Forsikring og aktuarstudier

Bogen giver en bred vejledning om sygedagpengelovgivningen og den praksis, der knytter sig hertil, og giver svar på de fleste spørgsmål om sygedagpenge.Denne 5. udgave af bogen er ajourført i forhold til de ændringer, der er sket i sygedagpengelovgivningen siden 2006. Der er sket en række ændringer i sygedagpengesystemet – flere af grundlæggende karakter. Der er således siden da vedtaget mere end 30 lovforslag på området.Bogen er udformet som opslagsbog med flere muligheder for en hurtig og målrettet informationssøgning.

En grundbog om sygedagpengeregres. Bogen giver en indføring i behandling af sygedagpengeregressager.

Bogen er en kommentar til en typisk forsikringspolice inden for husejerforsikring og ejerskifteforsikring.Denne 3. udgave af kommentaren beskriver ligesom de foregående en »gennemsnitshusejerpolice«, herunder også ejerskifteforsikringen, der som bekendt har standardvilkår og forfatteren gennemgår den nyeste praksis på området.Bogen falder i 19 kapitler, der blandt andet beskriver:- hvilke personer husejerforsikring dækker- hvilke bygninger og genstande, der er dækket af forsikringen- hvilke skader forsikringen dækker- bygningsbrandforsikring- forsikring mod svamp og insekter, vandskade, stormskade, brandskade, frostskade, tyveri og hærværk, snetryk, pludselige skader, rørskader, glasskader- husejeransvar- følgeudgifter- erstatningsopgørelsen- generelle regler- ejerskifteforsikringBogen er tænkt som et hjælpemiddel for forsikringstagere og andre til bedre at forstå, hvad en husejerforsikring og ejerskifteforsikring dækker, men retter sig mod alle, der har interesse i husejerforsikringer og ejerskifteforsikringer.Forfatteren er Henning Jønsson, direktør i Ankenævnet for Forsikring, der har mere end 20 års erfaring i at arbejde med forsikringsklager.

Håndbogen til både forsikringstagerne og dem der arbejder professionelt med forsikringer.Familieforsikringen er den mest udbredte forsikring i Danmark med ca. 2. mio. policer i kraft hos de ca. 2,3 mio. husstande.Familieforsikringen er et produkt med mange forskellige bestemmelser, der kan og skal fortolkes.Bogen her er tænkt som et hjælpemiddel både forsikringstagere og forsikringsagenter og giver hjælp til at få overblik over, hvad en familieforsikring reelt dækker.Bogen gennemgår både “gennemsnitspolicen” og Basisforsikringen, det vil sige Basis 2. I tilknytning hertil gennemgår forfatterne punkt for punkt forskellige typer af forsikringsvilkår med konkrete afgørelser fra domstolene og Ankenævn for Forsikring til at forklare og uddybe.Nyt i 5. udgaveDenne 5. udgave af bogen er ajourført med den udvikling, der har været på retsområdet siden sidste udgave i 2001– både vedr. selve familiesikringen som produkt samt den nyeste praksis og lovændringerne. Ankenævnet for Forsikring tegner i dag forsikringspraksis, da forsikringssager oftere afgøres her i stedet for hos domstolene. Og da nævnets praksis i høj grad har udviklet sig over tid er denne 5. udgave opdateret på dette område i forhold til tidligere udgaver af bogen.MålgruppeBogen kan anvendes både af forsikringstagerne og professionelle inden for forsikringsområdet.Om forfatterneBogens forfattere er forsikringsdirektør Jørgen Gawinetski og direktør Henning Jønsson – begge tidligere direktører i Ankenævnet for Forsikring.

Bogen er en kommentar til lov om forsikringsformidling.Siden forsikringsmæglerloven fra 1999 er reglerne om forsikringsformidling ændret flere gange. Implementeringen af EU’s direktiv om forsikringsformidling fra 2002 medførte omfattende ændringer i de regler, der gælder om forsikringsmæglere og om banker og andres formidling af forsikringer. I 2007 skete der væsentlige ændringer i reglerne om provision til forsikringsmæglere.Bogen indeholder en stillingtagen til de dele af lovgivningen, som kan give fortolkningstvivl. Derudover finder du en gennemgang af de gældende regler under hensyn til retspraksis og Finanstilsynets og Erhvervsankenævnets afgørelser.

Can American health insurance survive?

The book provides an overarching perspective on sustainability from a historical, practical and legal perspective. It offers a holistic understanding of economic and ecologic concepts. Schools for sustainable business models are introduced and discussed. As a broader concept Life Cycle Assessments are discussed and examples for their application are provided with a focus on CO2 Footprints. Ecodesign as measures for reducing Carbon Footprints are introduced both for physical products and for service organizations. From an organizational perspective it is clear that managing the reduction of the sustainability-related impact is a matter that has to involve all stakeholders. Tasks for all involved are given and their contributions are described. As it is crucial to provide evidence for the activities reported audits are described as well methods to transfer information to the appropriate stakeholders. The book is targeted at practitioners and students who want to get to know the subject or need to implement the respective measures in companies.

In jargon-free language, Cam lays out a step-by-step investment guide to give you:A clear understanding of the Australian property Investment landscape3 easy steps you can use to find the best investment, every timeTools and checklists which can reduce risk and maximise your returnsUsing Cam's Straight-Line To Wealth investing method, you'll also learn:How to identify market growth cycles, before they occurTo cut out media hype & invest based on factual market dataThe 10 biggest mistakes made by investorsHow to pay your home off in 10 years, not 30Finance structuring & taxation made easyHow to keep your own home safe & out of the bank's handsWhen not to invest in propertyHow to avoid 'sharks' who circle the property industryEasy to understand trusts, contracts & prenuptial agreements5 key exit strategiesWhy a modest income is no barrier to successful property investingHow passive income from growth property can fund a life you never thought possible

This is the Second Edition of this book - released in the beginning of 2024 - and is the updated version of Darren Sugiyama's original book that was released in 2021. A lot has changed in the world of Premium Financed Life Insurance in the last few years including increased interest rates, a recession, the crash of crypto currency, product changes, and industry regulated restrictions put on life insurance policy illustrations. As the most transparent premium financing intermediary in the life insurance industry, Darren Sugiyama thoroughly explains different methods of premium financing he uses with different types of clients based on their unique circumstances, including several new loan platforms he developed in 2023-2024. Sugiyama also takes a deep dive into discussing how IUL policy charges and credits work, the sustainability of the 0% floor, the difference between Fixed Policy Loans and Participating Policy Loans, and IUL multiplier features. The granular details of premium financing are articulated in a way that is highly detailed, yet succinctly expressed in a way that a life insurance novice can understand. Sugiyama transparently breaks down his methods of mathematically modeling Premium Financed Life Insurance with a spirit of authenticity, consumer protection, and full disclosure. In an industry that often times paints a very opaque picture regarding how financial instruments work, Sugiyama takes a disruptive approach by dispelling the myths and uncovering the truths about how many of these sophisticated estate planning instruments are built. This is an incredibly valuable book for both clients who are considering using Premium Financed Life Insurance as an estate planning tool, as well as financial advisors and life insurance agents who are considering offering these strategies as solutions for their high net worth clients.

Serving Health on a PlatterAre you searching for a compelling and evidence-based resource that can transform your family's eating habits and lead to healthier, happier lives? Look no further than "Serving Health on a Platter: SNAP-Ed Curriculum Analysis." This unique and insightful book is the key to unlocking the potential for positive change within your family.Unlock the Power of Family MealsWhat You'll Find InsideThe Power of KnowledgeIf you are committed to improving your family's health and well-being through the power of family meals, "Serving Health on a Platter: SNAP-Ed Curriculum Analysis" is an essential addition to your library. Join the growing movement of families who understand the profound impact of sharing meals together and making healthier food choices. Buy your copy now and embark on a journey toward a healthier, happier family life.

Discover the detrimental impact of loans and expenses, from student loans to unplanned expenses, and learn how to break free from the cycle of accumulating debt. Explore traditional investment options like fixed deposits, gold, and real estate, as well as the power of the stock market and mutual funds. Unveil the remarkable potential of index funds, a low-risk investment avenue that offers guaranteed returns in the long term.But it doesn't stop there. This book goes beyond financial investments, highlighting the importance of investing in yourself through education and skill development to enhance your earning potential. Things you'll learn:Crafting your early retirement plan: learn step-by-step guidance to create a tailored roadmap for retiring early.Financial independence strategies: discover proven methods to attain and maintain financial freedom.Wealth accumulation techniques: master the art of accumulating wealth through savvy investment practices.Retire young and prosper: uncover the secrets of retiring early while living a fulfilling life.Investment planning for retirement: navigate investment options tailored for retirement success.Let me also say this. When i speak of retirement, i'm not talking about sitting around doing nothing. While that might be enjoyable for a few days or weeks, that would quickly get old. If you're ambitious enough to pursue an early retirement, you'd be bored out of your mind if your retirement years didn't include meaningful activities.

Rethinking Tourism and Environmental Governance Subtitle: A Study of Decision-Making in St. Kitts for Long-term PreservationRethinking Tourism and Environmental GovernanceBook DescriptionExplore the critical intersection of tourism and environmental sustainability in the Caribbean with "Rethinking Tourism and Environmental Governance." This insightful book delves into the challenges faced by the wider Caribbean region, especially in economies heavily dependent on tourism. The narrative takes a deep dive into the delicate balance between economic growth and environmental preservation, using the case study of St. Kitts.Preface OverviewIn the preface, the author highlights the pivotal moment the Caribbean finds itself in, having experienced remarkable growth in tourism over two decades. However, this success comes at a cost-the strain on finite natural resources and the resulting environmental decay. The book underscores the irony that an industry designed to showcase natural beauty has become a significant contributor to its decline.Key Themes Explored1. Closed Environmental PolicyThe research contends that St. Kitts exhibits a closed environmental policy, where citizen concerns are not adequately considered in decision-making.2. Citizen EngagementEmphasizes the importance of soliciting opinions and concerns from citizens and stakeholders to create a comprehensive understanding of the issues at hand.3. Government-Community RelationsAddresses the need for fostering support and trust in government actions to avoid confusion and resentment, which can impede effective environmental policies.4. Perceptions and BeliefsInvestigates the perceptions, opinions, attitudes, and beliefs of local citizens regarding the environment, tourism development, and the relationship between government leaders and citizens.5. Exclusion and Self-InterestExplores the hypothesis that specific user groups feel excluded from the decision-making process and that government actions may be driven by the self-interest of the political and economic elite.6. Recommendations for Sustainable DevelopmentProvides recommendations based on research findings, including the importance of increasing public awareness, environmental education programs, involving specific groups in project planning, and empowering the community to take responsibility for their surroundings.7. Youth InvolvementAdvocates for the involvement of young people in implementing recommendations, recognizing their role in shaping the future of sustainable development.Why You Should Read This Book"Rethinking Tourism and Environmental Governance" offers a compelling exploration of the complex relationship between tourism, environmental policy, and citizen engagement. By examining the case of St. Kitts, it provides valuable insights and practical recommendations for achieving sustainable development in tourism-dependent economies. This book is a must-read for policymakers, environmentalists, and anyone passionate about the delicate balance between economic growth and environmental preservation.Tourism;Environmental Governance;Caribbean;St. Kitts;Sustainable Development;Citizen Engagement;Environmental Policy;Tourism Industry;Economic Impacts;Community Empowerment;Government Relations;Environmental Education;User Group Perceptions;Decision-Making Process;Community Involvement;Young People;Political and Economic Elite;Public Awareness;Tourism and Environment;Caribbean Development

"Get All The Support And Guidance You Need To Be A Success At Living Your Life!"For those who want to design their own destiny and path, this book may be one of the most helpful resources available anywhere!Do you take charge of your life, or does it take control of you? Which path ought you to choose? Which route will get you to your desired destination, do you know? Only a select few people are able to successfully create and shape their own destiny; the most drift aimlessly through life, hoping that one day their predestined fate will intervene and good fortune will smile upon them.This effective tool will supply you all the information you require to succeed and realise your aspiration of living a better life.Introducing... Living With A Purpose.This product will take you, step-by-step, through the exact procedure we devised to assist individuals gather all the information they need to be successful. It also contains wonderful advice about living on purpose. Who Can Use This Book? - Entrepreneurs - Internet marketers - Network marketers - Life Coaches - Personal Development Enthusiasts - Self Improvement Bloggers - Web Publishers - Writers and Content Creators - And Many More! In This Book, You Will Learn: - Living On Purpose Basics - Figuring Out What You Want Your Life To Look Like - Making Goals And Sticking To Them - How Living On Purpose Works - And so much more!

Mit diesem Buch erwirbst du nicht nur umfassendes und essentielles Wissen über Versicherungen und Baufinanzierungen, sondern es wird dir ebenso aufgezeigt, wie du zwischen qualitativ hochwertiger und suboptimaler Beratung unterscheiden kannst.

The Healing Code: An All-In-One Resource for Health and HealingEmily Roberts is the author. In her book "The Healing Code: A Comprehensive Guide to Health and Medicine," Emily Roberts leads readers on a fascinating exploration of the medical and health fields. Roberts provides a holistic viewpoint that encourages people to take responsibility for their health by drawing on her broad knowledge and compassionate attitude. If you're lost in the healthcare system's maze, this guide will be your guiding light. Emily Roberts combines time-tested medical advice with the latest discoveries to give readers a full picture of the therapeutic procedure. Her meticulous research and clear writing help demystify the human body and give people the knowledge they need to make better health choices. Roberts covers a lot of ground, from preventative medicine to treatment alternatives to the role of mental and emotional health in achieving physical wellness. This book is a great resource for people of all walks of life since she offers concrete advice for living a healthy, happy life. When it comes to improving one's health, "The Healing Code" is more than a book; it's a road map that can provide readers newfound understanding and empowerment. With Emily Roberts by your side, you can expect to take the first steps towards a new and improved you. If you're looking for a medical system that treats the whole person and gives you agency over your health, this book is for you.

Dive deep into the world of AFLAC insurance sales with this comprehensive and insightful guide, tailored specifically for agents aiming to master their craft and excel in their careers. "Mastering AFLAC Insurance Sales: A Guide to Success" is an indispensable resource, meticulously crafted to navigate you through the intricacies of AFLAC's insurance products, the essential licensing and regulatory landscapes, and the effective strategies required to build and sustain a successful career in insurance sales. From understanding the diverse range of AFLAC's insurance offerings and the specific audience each product caters to, to mastering the art of prospecting, lead generation, and closing deals with finesse, this eBook covers it all. Delve into the nuances of sales techniques and strategies, learn how to build trust and rapport with clients, and discover the secrets to managing and retaining a robust client portfolio for long-term success. Crafted with precision and care, each chapter unfolds a new aspect of insurance sales, providing in-depth knowledge, practical strategies, and real-life case studies of successful AFLAC agents. Whether you are a newcomer eager to start your journey, or a seasoned agent looking to refine your skills and expand your knowledge, this guide serves as your roadmap to success in the competitive world of insurance sales. Embrace the journey of mastering AFLAC insurance sales with this guide by your side, and unlock your potential for unparalleled success and professional fulfillment. Welcome to the definitive guide to excelling in AFLAC insurance sales, where your journey to mastery begins.

What the hell is going on? Why are cities, governments, and even countries going bankrupt, rather than simply individuals? What is causing protesters to take to the streets and shoppers to resort to violence? Why has the weather become so extreme? The world has gotten out of hand. What do you do when confronted with seemingly insurmountable problems? You have the power to change your life! Dr. James B. Richards reveals the singular problem and simple solution to the world's troubles in this must-read book. What is the issue? Codependency. What is the solution? Believe God and disregard everything else."This book is about regaining control of your life by identifying and overcoming all codependency tendencies." As you peel back the layers of emotional addiction, you will discover a liberation you have never felt before. "You will become a beacon of light in a dark world." When people change, the world changes. When people transform, they discover a new realm known as God's Kingdom, where justice, peace, and joy reign. This dimension exists within your heart. When you stop looking out there, you may look "in there" and find the world you've always wanted." James B. Richards, M.D.

If you want to learn how investors can create significant wealth in multifamily real estate, Multifamily Apartment Syndications is the book for you!Veteran real estate investor and syndicator Chris Roberts, a passionate proponent of the investment potential of multifamily real estate, draws on his extensive experience making money for himself and his investors in the sector to explain how he invests in multifamily value-add projects.In this book, you will discover:How to create and build a real estate company to purchase and renovate existing multifamily properties.What you need to know about sourcing and negotiating multifamily deals with high profit potential.Why Class C properties can offer significant upside potential for investors who renovate these types of apartment complexes.A step-by-step description of how Sterling Rhino Capital, Roberts company, purchased, renovated and sold a Class C multifamily property for a ROI substantially greater than anticipated.The type of terms savvy investors seek when engaging in contract negotiations with a property seller.How to work with contractors to get a rehab done on time and within budget.Steps to take to help maximize the price you get when selling a multifamily property.How to work with investors to amplify your ability to purchase multifamily properties.The book provides a comprehensive recipe for learning the skills necessary to purchase, rehab and sell value-add multifamily property. It includes the story of how Roberts went from earning uninspiring returns in the stock market to making substantial sums of money running a real estate company investing in multifamily apartment buildings.Roberts explains how he started in real estate buying, rehabbing and selling single family homes before expanding into multifamily properties. He also covers the benefits real estate offers investors as an asset class. These include: the ability to earn monthly income from rent payments, tax benefits in the form of depreciation, and the possibility of capital gains if the property increases in value.Multifamily Apartment Syndications demystifies the process of investing in value-add multifamily real estate, making it a compelling read for anyone interested in learning how investors can profit from this asset class.

A contingent colouring compendiumFrom the author of The Ultimate Actuarial Joke Book comes this collection of more than 180 delightful drawings inspired by the geekiest actuarial jokes.With silly statistical sketches covering the actuarial world from mortality to modelling, reserving to recruiters, and data to distributions, there's bound to be something to let loose your actuarial artistry.The perfect gift for actuaries trying to relax away from their laptop.

"Understanding Your Employee Benefits: Employee's Guide to Benefits" is your essential guide to navigating the complex world of employee benefits. Designed to supplement your employee handbook, this book provides the expertise you need to understand, choose, and manage your benefits effectively. Remember, employee benefits can sometimes be as important as the salary itself.What's Inside:Health Plan Types and Selection: Insights to help you choose plans that align with your lifestyle and budget.Life Events, Including Divorce: Whether celebrating a newborn's arrival or navigating the intricacies of divorce, find the guidance you need to manage your benefits during life's pivotal moments.Terminating Coverages & Options: Understand when you can and how to terminate coverage, while exploring alternative options to safeguard your interests and ensure a smooth transition.Cost-Saving Strategies: Tactics to reduce out-of-pocket expenses before, during, and after a claim.Preparing for Surgery: Learn how to leverage your benefits to prepare both physically and financially for surgery.Ancillary Coverages: See if additional coverages such as disability insurance or enrolling in a Flexible Spending Account (FSA) are the right choices for you.Claims Management: How to avoid non-network claims and address issues effectively at the doctor's office or hospital.Financial Planning for Healthcare: Informative chapters to help you understand your doctor's bills and brace for out-of-pocket costs with a strategic approach.Taking the time to understand your employee benefits can lead to significant savings and invaluable peace of mind.

What's Your Plan? What you can expect to learn: The three steps of empowermentHow to determine if you need a planThe four funding optionsConversation topics for "The Kitchen Table Chat"How to choose a qualified advisorAnd much, much moreTom Rasmussen has helped thousands of people with life, disability and long-term care planning across the country through his articles, radio talks, seminars and workshops, and general advising in the income protection realm. Tom classifies himself as a certified Long-Term Care specialist through his business, Clean Solutions Insurance Services.

Are you new to the project sponsor role or want to improve? This book's practical guidance will help you successfully fulfill your role. We understand you are time-challenged. This book is short, direct, and focuses on the most common project issues. The book's guidance is helpful for projects of all sizes and across all sectors.Completing the warp-speed project assessment will assess your project's risks and better understand the topics that need more attention. With our practical actions, you can champion the project for success.