He was reviewing publications on my wall of my Facebook profile when I have fallen in an advertisement for "Health insurance". More as a matter of curiosity (I already have another company health insurance) I have punctured the link and I have been analyzing carefully the web that ran me the ad.
I've been approaching small steps to the "facebook" scene, not only as a user but also as a possible point of destination of our brokerage business campaigns (by the way until that one does not have 25 fans not can customize the web address that assigns facebook)(I leave this topic for a future post).
Returning to the thread, I see Facebook as an ideal platform of advertising development or place where create commercial campaigns, I did not find anything, the statistics speak for themselves, millions of users around the world and growing at breakneck speed. I mention much when I have time, I do not see my daughter when is greater today is 8 years old) approaching the Office of an Ombudsman for the recruitment of a policy process, eye I refer to the recruitment process, if we need for other issues, or I hope so (this also gives for another post). The case is that I think that it will be on social networks where she will and will buy a number of services and products and quite possibly on the recommendation of its network.
I was surprised by a number of issues on the one hand, have agreed to it from facebook, on the other hand his impeccable and usable design (I have asked a budget from the Ipad without any kind of problems), clean, direct and with information supplementary content We a web book. But perhaps what most caught the attention that it is not a project of the company, which may well give that sense, what's behind according to the policy of the web is an exclusive insurance agency of Fiatc. This indicates that there are elements in the mediation are beginning to move very well executed and studied proposals for high-value and I think that deserves a mention.
Wednesday, May 18, 2011
Wednesday, May 11, 2011
Guide to good practice from UNESPA
UNESPA tend to edit some guides to good practice recommendation to consumers for the sake of transparency of the companies in the process leading to the hiring of the policy. In this case for your interest we link the last edited in February 2010 and that we have found little information on the internet:
Seems to be a great initiative that everything that goes to try to shake that reputation of obscurantism accompanied to insurance contracts are convinced that will help to improve the image of our industry.
In any case I tried to find on the website of Unespa the repository of these documents as well as a list of companies that have joined this initiative and the truth is that I had not been possible, I think that they should be leading the companies who will be joining these initiatives as they are a good guarantee of Home for the consumer.
In theory those insurance entities to freely adhere to this guide of good practice are committed to providing the potential policyholder on a mandatory basis as of September 30, 2010.
Guide of good practices in matters of information previous A LA recruitment in the insurance of car (download)
Seems to be a great initiative that everything that goes to try to shake that reputation of obscurantism accompanied to insurance contracts are convinced that will help to improve the image of our industry.
In any case I tried to find on the website of Unespa the repository of these documents as well as a list of companies that have joined this initiative and the truth is that I had not been possible, I think that they should be leading the companies who will be joining these initiatives as they are a good guarantee of Home for the consumer.
Abuse to customer
Companies in telecommunications, banking, insurance, utilities, each and every one of them is calibrated by attracting new customers. Gifts of mobile phones, game consoles, televisions, Ipads, prices more low, shares at half price, anything goes to attract your attention. Enormous amounts of money invested in advertising campaigns to attract a new customer that you improved even more supply if you come on top of the competition.
The thing does not end here, large corporations are also creating a culture that summarizes the typical saying that "no crying no mama". Little to talk about with your circle of friends you will find several instances of someone who has used the threat of to unsubscribe from a service to obtain special discounts.
What insurance concerns the situation becomes embarrassing in some cases and for some companies. Offers submitted that lack of the minimum technical analysis of profitability, enough that takes a reference premium from another company to lower half what is offered by the competition, or just with that report that the client requests the lower so that apply you the famous "portfolio retention" i.e.maintaining profitable customer if or if.
But
But I imagine that the results in the short term are those who send them, I guess it is studied that customer good will remain good client until the end of his days and what premium at the moment is to present results of growth, now come the returns later, dangerous game.
By finishing with a thread of hope we see that some companies, few, have put in place systems of loyalty based on profitability, as the case of managed client of Liberty, which seek to determine who is "loyal and profitable" and reward them for this reason avoiding this has to beg him.
The thing does not end here, large corporations are also creating a culture that summarizes the typical saying that "no crying no mama". Little to talk about with your circle of friends you will find several instances of someone who has used the threat of to unsubscribe from a service to obtain special discounts.
What insurance concerns the situation becomes embarrassing in some cases and for some companies. Offers submitted that lack of the minimum technical analysis of profitability, enough that takes a reference premium from another company to lower half what is offered by the competition, or just with that report that the client requests the lower so that apply you the famous "portfolio retention" i.e.maintaining profitable customer if or if.
But
that pays your receipt religiously every year, which has remained faithful in our bag of customers, that whose profitability is extraordinary because it has not generated the lower domestic spending for your company. An unjust situation clearly and more if we think that basically is this which is paying the discounts that apply to those who "lloriquean" for a price better.
where we leave good customer?
But I imagine that the results in the short term are those who send them, I guess it is studied that customer good will remain good client until the end of his days and what premium at the moment is to present results of growth, now come the returns later, dangerous game.
By finishing with a thread of hope we see that some companies, few, have put in place systems of loyalty based on profitability, as the case of managed client of Liberty, which seek to determine who is "loyal and profitable" and reward them for this reason avoiding this has to beg him.
Refund of insurance policies
For a time this part insurance companies are becoming more strict with regard to the claim of insurance policies for cancellation outside time limits.
You should be aware that if you Mr. client does not communicate the advance referred to article 22 of law 50/1980 his opposition to the extension of the contract the company has the right to claim its extending down the road as it deems appropriate.
In other words, if an insured person falls on this humble blog, if not inform your insurance company with 2 months in advance which does not intend to renew your insurance, the company can claim even legal to do so.
This articles is nothing new, the novelty is that companies are starting to make effective the implementation of this article in a systematic way. To date seemed that a kind of Pact prevailed of non aggression between companies, mediators, and customers. The thing was obvious, much of the new business comes from competition if we are strict in the application of the standard captaremos much less business.
But it is that new customer acquisition is not so simple in the times in which we operate longer and added to this is an increase of the cancellation of existing business which causes closure of rows in an attempt to lose the less possible businessthe profitability of a policy is closely tied to its duration.
This is point is when companies have been strict and demanding returned receipts to support, in many cases, in external companies specializing in defaults.
¿Are in the right companies? Without a doubt, the article is very clear as regards the time limits, but customers should be aware that also they them protects other actions that can release it this extension
We are referring first to article 15, 2nd paragraph, LCS stating that the company has within 6 months from the due date to claim receipt, failing which the contract is extinguished.Also but with some nuances, it can be argued that if between lower communication made by the client (although it has been carried out outside that period but before the expiry date) the company no objection within a reasonable timethe contract could be interpreted as resolved as the silence of the insurer would be the cup of the low acceptance.Another line of support is on whether there was a change significantly from one of the essential elements of the insurance contract and unilateral (article 8 LCS: Premium, insured amount, mediator, risk, etc.), it could not be seen as a case of extension of the insurance contract but as a true renewal of the same ason the one hand, it has to be formalized in writing to the policyholder (article 5 LCS) and, on the other, calls for the provision of the consent of both parties for their validity (articles 1203,1256, 1261.1 Civil Code).In this case they would not be implementing articles 15 and 22 LCS to represent the novation a new contract and it not the extension of a contract prior to the same conditions.This repository (developed by the Legal Department of Espabrok) can help customers in its defense in case of return of receipts out deadlines, although our recommendation to customers and to avoid problems is to request a preventive cancellation more than 60 days in advance that will release them from his contract and they will allow them to explore new alternativesapproaching its mediator of confidence that surely you will be able to complete this information.
We additionally recommend the reading of one of the threads of the Rankia forums in which Carlos Lluch adds light to the consultation of a user and as always with very good judgement
View the original article here
Statement of claims to the Consortium
This article was written by the company AXA for the electronic newsletter of its mediators. What we bring to this blog since we believe that it can facilitate the Declaration of a sinister many affected without the help of a mediator for the management of these incidents.Claims with flood damage will be served entirely by the insurance compensation Consortium. It is necessary that the Declaration becomes in the first 24 - 48 hours, given that the Consortium manages their affairs in order of receipt. They have respected the steps contained in its procedure.
To seek compensation from the insurance compensation Consortium on damage to persons or property, the statement may be filed by the insured, policyholder or beneficiary, or their respective representatives legals in any of the following ways:
Presentation in writing before the regional delegation of the Consortium, that you can directly perform the insured to gain speed in compensation.Delivering to the Consortium the following of the national identity card / N.I.F. of the beneficiary of the compensation.Photocopy of the particular conditions and general policy (Individual or collective) and all its appendices or supplements.Photocopy of the receipt of payment of premium existing on the date of occurrence of the incident, specifying clearly the amounts corresponding to the commercial premium and the surcharge paid to the consortium of .In compensation if there is a beneficiary mortgage clause in the policy It will be necessary to provide the beneficiary entity authorization to proceed with the payment of compensation to the insured.
To view the data of contact with the regional offices of the Consortium, click the following link.
Presentation by phone:
Now also can occur the application for compensation for damage in risks extraordinary calling of the Consortium 902 222 665 (from 09: 00 to 18: 00 hours, from Monday to Friday). This type of declaration us has especially been suggested by the delegations of the consortium of insurance compensation, taking into account the speed of this type of statement, but it's decision to our customers, how to carry out the communication incident.
At the time of the phone call is essential to have the data set out below:
Data from the insurance policy: insurance company and policy number.Who submitted the request for compensation for telephone and data of the insured, if they were different people: name and surname or company name; NIF or CIF; address and phone number of contact.Bank details for payment of compensation: code has current (20 digits), composed of number of Bank; number of the branch of the same; control digits; and account number.
In the case of damage to motor vehicles
brand, model and registration of the damaged vehicle.If it is found in a workshop to be repaired, it is recommended to provide name, address and phone of the same.
Subsequent to the application for compensation made via phone call, shall submit the following documentation:
Photocopy of the DNI / N.I.F. of the beneficiary of the compensation.Photocopy of the particular conditions and general policy (Individual or collective) and all its appendices or supplements.Photocopy of the receipt of payment of premium existing on the date of occurrence of the incident, specifying clearly the amounts corresponding to the commercial premium and the surcharge paid to the consortium o.In compensation if there is a beneficiary mortgage clause in the policy It will be necessary to provide the beneficiary entity authorization to proceed with the payment.
This documentation will be given to expert assessor of insurance which is appointed by the consortium to assess the damage, or to the own compensation insurance Consortium, at their request.
On the following link, you can consult the information published on the subject on the official website of the insurance compensation Consortium.
The end of the neutrality of the network affects us all
Often we bring to this blog information not directly related to our industry, but which in any way it can affect our future. One of the topics that more sensibilities is raising is the end "of the net neutrality". We do not have sufficient capacity to summarize that we can affect us, or at least don't know doing so as well as others have already expressed that prefer to select some references which can give a global idea that this is a problem that we can not turn back and all small noise that we generate and that can make known and this situation will be welcome because as almost always this affects us more small than large infinítamente.
Jesus Encinar, idealista, one of the most successful Spanish companies founder and whose business model is based 100% on the net says in his article:
When I decided to set up business on the internet it was because it was the only segment of our economy not dominated by oligopolies.
The end of the net neutrality can stop this in one fell swoop, I hope that we will still be in time of being able to brake at what seems an irreversible situation. We leave you some references that you can complete with a quick query to Google that you will obtain hundreds of more articles, including those who defend other position, as it cannot be otherwise in a system that prioritizes still not content.
View the original article here
Our National Health Insurance Plan Don`t Get Sick pinTuesday, May 10, 2011
RSVP White Marble Mortar and Pestle
This fabulous Mortar & Pestle is made out of a solid piece of marble. The wonderful characteristics of marble make each piece unique and special! Using a mortar and pestle is a centuries old method of food preparation that is still considered the best way of releasing the full, true flavors of herbs and spices. This solid round mortar and pestle is a gorgeous contemporary style white marble and features a felt lined base to protect work surfaces. Easily used by both home chefs and pharmacists!
Measurements :
Price:
Week of insurance, 18th Edition
Once again approaching the week insurance and once again we will be in attendance to listen, learn and interact.
We want to stress that for the second consecutive year new technologies and social networks have their space in the tight agenda of the Conference and also gaining in importance over the last year, in which I had the opportunity to participate as rapporteur.
This year they have invited speakers of the highest quality along with a program that I believe that it will address almost all matters which are being discussed more. I copied the program if one ends up animandose at the last minute.
9: 00 Presentation of day
INO Henríquez Navarro, Director CEO REED BUSINESS INFORMATION9.30 Clients and direct insurance: telephone, internet and other channels
Carlos Fernandez Fuente, Director of SegurosRed-Case study
Montse Díaz Romero, Manager of Call Center of production of MUTUA MADRILEÑA10: 30 Round table discussion: insurance companies and social networks. News and trends
Mariano Arnáiz, Director of systems of CESCE
Pedro Yuste, Director of Internet of SANITAS
Santiago Sanz, Webmaster web Portal AXAModerator: Carlos Fernandez Fuente, Director of SegurosRed
11.30 Break / coffee
12.00 Community Managers and insurance companies: tasks and advantages of having this profile
in the structure of the company
Jesús Pérez Sánchez, partner of SegurosRed and Director of Financialred.com-Practical experiences
Miriam Algueró, Community Manager of Aragon
Iratxe Perez, Community Manager of insurance LAGUN ARO13: 00 Roundtable: impact of social networks in Contact Center and CRM "Social crm"
Representative of attentive
Norman Castro, Director of business and development of CODEOSCOPIC
Silvia López, Director of product INSARE
By the way @ blogdelseguro will be there as I mentioned at the beginning of the post, if you want to match us send us an RT via Twitter and we are happy to greet you.
View the original article here
General Healing of Health Problems with Hypnosis
You may & should continue to use your regular medical treatments while consulting with your physician about using hypnosis.C.J. Savage uses her expertise to guide you in one of her best Hypnosis sessions, through this meditation, using your Super-Conscious Mind, once known as "the subconscious mind" to heal your body, soul & mind of anything that is causing you to be sick or hurt. Some people can work wonders in one session while others may need to repeat this session many times.
Hypnosis used for therapeutic reasons is called hypnotherapy. Hypnotherapy is completely safe & very beneficial for a wide variety of illnesses and injuries. There are reported cases of people using this audio to heal such conditions as cancer, tumors, etc., listening to it daily for weeks or months.
The super conscious mind, or your higher self, never rests anymore than the heart does. This is where all the power lies within you.
These same principles C.J. Savage has used since 1991 have been studied in numerous leading research institutions and universities across the United States, such as Duke University, North Carolina; University of Texas, Texas; The Mind Science Foundation Laboratory, California.
This is a very simple and easy meditation but incredibly powerful while she guides your imagination using the white beam of light, the Universal light or God's light (however you are most comfortable in recognizing this light) to come in and through your body. Feel the warm sensation of this light coming in and through you as it heals every cell of your being, Listen often or daily and watch your health improve, becoming healthier and stronger everyday.
There are some basic facts about hypnosis you must realize to be a good subject. When you are hypnotized, you will simply sit back, relax, close your eyes and listen to my voice. You can't do anything wrong, nothing can go wrong. There are no dangers in this type of hypnosis. All hypnosis is self hypnosis. You are always in control. You will never do or say anything against your will, desires, beliefs or morals, regardless of what some think. It is like a mind exercise. You do not lose control of your mind. You are always in control. You do not lose your hearing or any of your senses. Your senses actually become keener and you become more aware, not less. You will always hear me whether you think you do or not. You do all the work and all the work is in your mind. There isn't any feeling of being hypnotized. The only feeling you have is kind of relaxed to very, very relaxed. Some feel only slightly relaxed and listen to every word and remember it all while others become so very relaxed, they snore but they will not go to sleep unless you're home in bed for the night and tired anyway. If you go to sleep, you will not benefit from the hypnosis. You need to know, if you are hypnotized, you will open your eyes within 10 mins. after I tell you to. You do have to participate, thinking about what C.J. Savage is saying.
It is simply a guided meditation & incredibly very powerful. The only thing that can keep you from being hypnotized is you, yourself. Anyone can be hypnotized if they want to be. Each time you are hypnotized, you will become better, healthier and happier. It will work even if you don't think it will work. Continue listening to this audio hypnosis as much as possible in a quiet space until you achieve the health you desire.
The mind can and will manipulate every cell in your body. When you are not using the hypnosis audio, C.J. suggests using a self hypnosis affirmation, repeating silently in your mind when the mind is not needed for good use: "I am whole, perfect, strong, powerful, loving, harmonious and happy" while you fall asleep, while driving, etc or say it loud enough you can hear yourself say it. The more you say it, the more powerful it becomes and the more you listen to your hypnosis audio, the more powerful it becomes
This product is manufactured on demand using CD-R recordable media. Amazon.com's standard return policy will apply.
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Triple protection
They asked us from the mutual company of owners to escribieramos an article for its e-newsletter focused on our vision of the bouquet of communities from our point of view of brokers and our relationship with the administrators of estates. As you know Brokalia.com it is one of our most successful projects and we wanted to highlight the figure of the administrator of estates as a key factor in this success.
Until few years ago, our relationship as insurance brokers with multiple communities branch was almost exclusively in the demands that we we received directly in our offices by the Presidents of turn of the communities. This did not give us a positive vision of this branch, firstly because we we received a lot of requests for quote which, in a much higher than our usual average percentage, not turned in recruitment and, secondly and more importantlygiven the fact that the half-life of these policies not reached almost two annuities, something very profitable for the company and the broker.
That volatility in the duration of the contracts was probably motivated because thing had a new President of community during its annual mandate was reviewing multirisk into force policy and change it to a new company, bringing to auction among the different alternatives of recruitment in the marketwithout very in-depth analysis if the behaviour of the company or the brokerage in the care of the incident had been correct. It was because of trying to lower raw material or to facilitate the operation to a known.
This had generated in our mind, with the passage of time, an idea that the marketing of this branch was not too profitable for our business, so we not made special efforts to increase our portfolio, while, as it is known, the multirisk of communities is a type of insurance policy that combines the features of having an average premium and a cadre of high commissioning.
Join all the above that the processing of claims is very complicated in many occasions, well because required policy most of it covering or, as happens in many cases, because an incident affecting several neighbors was hardly coordinable company, runner, President and adversely affected.
This perception of the industry radically changed a few years ago when Brokalia.com since we started to specialize in the multiple communities branch, providing services for brokerage of insurance through a close collaboration with the administrators of estates. From the outset, we sense that the situation was completely different in each and every one of the processes that go since that was initiated contact with the request of a project up (if necessary) opening and processing a case of accidents.
This way, traveled with the administrator of estates and, of course, to the company, we could see (always from our perspective) that the administered, which is the most important in this equation, feels with a triple protection and that it has 3 figures to ensure the interest of the property that is found.
This triple protection begins with the administrator of estates in the first place, which is the figure who is fully aware of the property and ensuring that it is kept in good condition. It is not only his work to communicate an incident when it happened but that it is able to predict future failures and recommend maintenance which will prevent possible incidents. Our experience tells us that the managed communities claim frequency is lower due, in large part to this preventive work.
Secondly, the broker, which has analyzed the risk to ensure is and recommended policy and company better able to respond in case of sinister. The corridor sailing to avoid the infraseguro, by the choice of a good Pack of guarantees and insured limits and tell the administrator what type of coverage is going to hire and, in due course, accompany and advise in the communication and processing of the part of sinister.
And, finally, the insurance company, which must comply with all what has been agreed in the contract and that we have to say that, in General, it has improved much in the processes that allow closed incident records in a satisfactory way for the parties involved.
Is, therefore, for us the figure of the steward the link key better behind the chain that includes company, broker and customer, and will do well the companies if they have with them wherever they pose new productsguarantees and services. Adapt to your demands will improve their fidelity, this increasingly complex concept of safeguarding in the current economic situation.
View the original article here
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