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Will your universal life insurance policy LAPSE while you are still alive?Attention Policyholders: If you own a universal life insurance policy (UL, IUL, VUL) or Group UL/VUL insurance policy from ANY life insurance provider, you must purchase this book to learn why your "permanent" policy could lapse (cease to exist) despite making all your payments. Attention Investors: If you are an investor (bonds or equities) in the life insurance sector, you must purchase this book to understand the massive risk to which you are exposed. After researching over 5,000 MetLife individual UL and VUL policies totaling over $1,000,000,000 ($1B) in death benefits, author and financial advisor, Elan Moas exposes how these policies are designed to fail rather than succeed. In Q1 2023, he presented his findings to the state of Massachusetts, the SEC, and submitted two new whistleblower complaints based on his research. His findings show why 90% of these policies will likely lapse before paying a death benefit. The research reveals how:· Lapsing UL and VUL policies are an entire life insurance industry problem, not just MetLife· "Target" funding is where advisors and insurers maximize their commission but leave the insured with a policy destined to lapse. · The May 2023 IUL Actuarial Guideline 49B (AG49B) update means that IUL sales made prior to that date were likely made with wrong investment illustration assumptions. The IUL chapter will leave all IUL policyholders horrified.· Group UL/VUL policies offered to entire states and Fortune 500 companies are full of fatal structural policy flaws.· Older adults' cash values are wiped out prior to their policy lapsing. That is elder abuse.· To request your very own "in-force illustration," which is the future policy projection. The unfortunate result of decades of life insurance industry greed and regulatory oversight incompetence will lead to the "Subprime Universal Life Insurance Company Crash of 2023." Which company will be the next Lehman Brothers? www.MoasConsulting.com

It's designed to track all essential automobile, truck repairs, maintenance tasks and record the number of miles traveled by a vehicle by a certain amount of fuel within a specific period.A vehicle log book proves ownership and satisfaction to the car's driver!This logbook will help to keep track of your vehicle repair and services. It is suitable for all kinds of vehicles such as cars, RVs, jeeps, trucks, and motorcycles.

"The first systematic treatment of model risk, this book provides the tools needed to quantify and assess the impact of model uncertainty. It will be essential for all those working in portfolio theory and the theory of financial and engineering risk, for practitioners in these areas, and for graduate courses on risk bounds and model uncertainty"--

As a financial advisor, it's critical to stay ahead of the game when it comes to Medicare. With the ever-changing landscape of healthcare, it's easy to fall into common mistakes that can lead to costly missteps for your clients. 10 Medicare Mistakes Financial Advisors Make and How to Avoid Them is here to help. This comprehensive guide will outline the top 10 mistakes financial advisors make when navigating Medicare and provide actionable steps for avoiding them. From underestimating the complexity of Medicare to neglecting to consider Medicare Advantage plans, you'll learn about the pitfalls to avoid and gain a deeper understanding of the system. With real-world examples, expert insights, and practical tips, this book is your essential resource for ensuring your clients have the coverage they need. Don't let Medicare mistakes cost your clients their peace of mind. Avoid common pitfalls and give your clients the security they deserve with 10 Medicare Mistakes Financial Advisors Make and How to Avoid Them.

Cyberrisiken sind für Unternehmen weltweit das größte Geschäftsrisiko. Die zunehmende Wahrscheinlichkeit, von einem Cyberangriff betroffen zu werden, wirft die Frage der Absicherung potentieller Schäden durch Versicherungen auf. Vor diesem Hintergrund untersucht die Autorin anhand der Musterbedingungen des Gesamtverbandes der deutschen Versicherungswirtschaft zur Cyber-Risikoversicherung (AVB Cyber), inwieweit Cyberrisiken angemessen abgesichert werden können. Daneben widmet sie sich der Absicherung durch traditionelle Sach- und Haftpflichtversicherungen. Ein wichtiger Aspekt betrifft die Problematik um ¿silent cyber". Unter diesem Stichwort wird die Absicherung von Cyberrisiken durch konventionelle Versicherungen zusammengefasst, die diese Risiken weder ausdrücklich ein- noch ausschließen.

Este lindo libro de asistencia fantástica para maestros es su mejor opción. Puede ayudarlo a realizar un seguimiento del progreso, las calificaciones y la asistencia de todos sus estudiantes. Delgado y portátil para cuando estás en movimiento.Manténgase organizado y al tanto de la asistencia y las calificaciones de sus alumnos con nuestro elegante y optimizado libro de calificaciones para maestros

Unveil the power of safety culture in this thought-provoking and inspiring read that challenges the way we think about employee safety. "The Safety Investment" will leave you with a newfound appreciation for the human lives behind the hard hats and remind us all of the immense cost of neglecting their well-being. Direct and challenging, this book poses tough questions to those in management and supervision and reveals the heartbreaking realities of the families affected by workplace tragedy. It's time to face the truth that the pain, suffering, and heartache caused by accidents cannot be described in words. But it's never too late to make a change. Are you, as a CEO, CFO, COO, or executive, ready to lead the way in proactively investing in the safety of your employees? Safety must come before profits, and the reputation of your company depends on it. So, ask yourself, what is a life worth to you? It's time to make a life-changing impact on the safety culture of your workplace. Safety is an investment, not only in your employees but in your company. The choice is yours, what is a life worth, and what are you willing to accept, the consequences are life-changing. Are you ready to accept this challenge?

Sometimes people go into sales thinking it will be easy or it's a surefire way to make extra money on the side. It might work for some pyramid sales operations or selling candles and creams; however, becoming a sales professional takes hours of training and discipline. Insurance sales takes an added burden of knowing that you are definitely doing the right thing for the human being relying on your professional opinion to make the appropriate decision among sometimes dozens of options protecting them from losses. Here's just a little of what you'll discover inside:Commercial Insurance 101 - Everything You Need To Know (Even If You're a Complete Beginner)Straightforward Advice That Cuts Through The Mystery and Confusion Behind Insurance BrokeringEssential Negotiating Tips That Will Help You Win More ClientsOrganizational, Technical, and Analytical Strategies Made Easy Bonus Questions at The End of Each Chapter To Test Your Knowledge and Improve Your MemoryAnd Much More!The fundamentals of how risk is measured and financed are shifting rapidly. Additionally millennial are becoming the largest cohort in the workforce and technology startups target insurance, funded by a sea of venture capital flowing into the sector, prod traditional incumbents to innovate or perish.

Jest on przeznaczony do ¿ledzenia wszystkich istotnych napraw samochodowych, ci¿¿arowych i zadä konserwacyjnych oraz rejestrowania mil, które pojazd pokonuje przy okre¿lonej ilöci paliwa w okre¿lonym czasie.Ksi¿¿ka dziennika pojazdu dowodzi w¿asnöci i satysfakcji kierowcy samochodu!Cechy:- Prosty i zorganizowany;- 6 "X 9" Paperback - Idealny do schowka, skrzynki narz¿dziowej lub kieszeni siedzenia.- Zapisuj na swoich warunkach - Szybkie i przejrzyste strony zawartöci;- Szybkie i ¿atwe dodawanie wpisów.- Dwustronny;- Wielki rozmiar do noszenia ze sob¿; - Sekcja na komentarze - zachowaj wszystkie szczegó¿y bardziej precyzyjnie

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The interaction between mathematicians and statisticians has been shown to be an ei ective approach for dealing with actuarial, insurance and financial problems, both from an academic perspective and from an operative one. The collection of original papers presented in this volume pursues precisely this purpose. It covers a wide variety of subjects in actuarial, insurance and finance fields, all treated in the light of the successful cooperation between the above two quantitative approaches. The papers published in this volume present theoretical and methodological contributions and their applications to real contexts. With respect to the theoretical and methodological contributions, some of the considered areas of investigation are: actuarial models; alternative testing approaches; behavioral finance; clustering techniques; coherent and non-coherent risk measures; credit scoring approaches; data envelopment analysis; dynamic stochastic programming; financial contagion models; financial ratios; intelligent financial trading systems; mixture normality approaches; Monte Carlo-based methods; multicriteria methods; nonlinear parameter estimation techniques; nonlinear threshold models; particle swarm optimization; performance measures; portfolio optimization; pricing methods for structured and non-structured derivatives; risk management; skewed distribution analysis; solvency analysis; stochastic actuarial valuation methods; variable selection models; time series analysis tools. As regards the applications, they are related to real problems associated, among the others, to: banks; collateralized fund obligations; credit portfolios; defined benefit pension plans; double-indexed pension annuities; efficient-market hypothesis; exchange markets; financial time series; firms; hedge funds; non-life insurance companies; returns distributions; socially responsible mutual funds; unit-linked contracts. This book is aimed at academics, Ph.D. students, practitioners, professionals and researchers. But it will also be of interest to readers with some quantitative background knowledge.

Discover the ultimate life manager and record all of your personal information in one simple book!Designed as a practical workbook to record your essential information, personal details, financial records and beyond, My Life Manager© aims to provide people with an easy place to keep track of important documents, set valuable life goals for yourself, and never lose important information again.With an easy-to-use layout and ample space for recording your reminders and warranties, resumes, legal agreements, assets and net worth, contacts, and more, this handy log book ensures that you'll never be stuck turning your house upside down for misplaced information. You can even store your original documents in a binder or file cabinet and use this book as a complete index!Book details:· Features a Beautiful Layout with Plenty of Tables & Forms To Record All Your Personal Information In One Easy-To-Access Book· Great For Keeping Passport Expiry Dates, Contacts, Goals, Reminders, Budgets & Beyond· Includes Space For Legal Agreements, Job or School Applications, Warranties, & Resumes etc· Track Your Financial Goals, Assets, Net Worth, Estate Planning & Retirement Savings¿As an essential companion for anybody who dreams of being more organized, My Life Manager© is a simple record keeper that suits individuals or families who want to have a dedicated place to store and retrieve personal information.

ALL THE INFORMATION YOU NEED TO MAKE BETTER-INFORMED INSURANCE DECISIONS TO PROTECT YOUR REAL ESTATE INVESTMENT PORTFOLIOIf reading the word "insurance" is as soothing to you as watching someone chew Styrofoam, don't walk away. Trust me, this is the book for you.Shawn Woedl's sharp wit and good nature shines as he shares the practical (and sometimes comical) side of insuring real estate investments. Whether you own a portfolio of thousands of properties or are merely toying with the idea of getting a little place to fix up and rent out, getting the right insurance is crucial.But how does an investor know when they have the right policy for their specific circumstances?This deeply helpful book provides the information you actually want (and need) to know about how to ensure adequate coverage for your assets, according to your investment goals. Lighthearted, historical, and philosophical, Woedl has a genuine desire to help people avoid the common (and not so common) traps and missteps investors fall into when choosing an insurance plan. Whether you want to finally figure out what the word "subrogation" means, you want to control costs without putting yourself at risk, or you want to learn what questions to ask a new insurance broker, Innovative Insurance can help.

Speditør- fragtfører- og stevedoreansvarsforsikring er en samlet juridisk fremstilling af de almindelige betingelser for de professionsansvarsforsikringer, der i Danmark tegnes af transport- logistik og havnevirksomheder til dækning af det ansvar, der bl.a. kan ifaldes iht. NSAB 2015, DHAB 2016 og DSHAB 2021.·Bogen behandler bl.a. spørgsmål om:Tegning af forsikringerne.Det forsikringsdækkede ansvar.Afgræsning til andre forsikringer.Dækning af særlige risici og skader.Dækningsundtagelser.ToldkravNyt i 2. udgaveDenne 2. udgave er bl.a. udvidet med et kapitel om stevedoreansvarsforsikring baseret på DHAB 2016 og DSHAB 2021. Bogen indeholder derudover en mere udførlig behandling af produktansvarsreglernes betydning for speditionsvirksomhedernes forsikringsbehov, ligesom der er udarbejdet nye kapitler om dækning af udleveringsansvar og om ansvar for skade på fejllastet gods, som fragtførere kan ifalde. Dele af fremstillingen er omarbejdet, og der er i forhold til 1. udgaven medtaget flere eksempler fra forsikringspraksis med stillingtagen til konkrete dækningsspørgsmål. Formålet med disse ændringer er at gøre bogen mere anvendelig for praktikere.MålgruppeBogen henvender sig til skadesbehandlere i branchen og hos forsikringsgivere, underwritere, assurandører, mæglere, jurister og andre, der beskæftiger sig med speditør- fragtfører- og stevedoreansvarsforsikring.Om forfatterenJesper Windahl er advokat og partner i WSCO advokatpartnerselskab og har i en lang årrække beskæftiget sig med ansvars- og forsikringsforhold i transportbranchen. Han underviser i sø- og transportret og har været lektor på Københavns Universitet i transportret.

In today's uncertain times, risk has become the biggest part of management. Risk management is central to the science of prediction and decision-making; holistic and scientific risk management creates resilient organizations, which survive and thrive by being adaptable. This book is the perfect guide for anyone interested in understanding and excelling at risk management.It begins with a focus on the foundational elements of risk management, with a thorough explanation of the basic concepts, many illustrated by real-life examples. Next, the book focuses on equipping the reader with a working knowledge of the subject from an organizational process and systems perspective. Every concept in almost every chapter is calibrated to not only ISO 9001 and ISO 31000, but several other international standards.In addition, this book presents several tools and methods for discussion. Ranging from industry standard to cutting edge, each receives a thorough analysis and description of its role in the risk management process. Finally, you'll find a detailed and practical discussion of contemporary topics in risk management, such as supply chain risk management, risk-based auditing, risk in 4.0 (digital transformation), benefit-risk analyses, risk-based design thinking, and pandemic/epidemic risk management.Jayet Moon is a Senior ASQ member and holds ASQ CQE, CSQP, and CQIA certifications. He is also a chartered quality professional in the U.K. (CQP-MCQI). He earned a master's degree in biomedical engineering from Drexel University in Philadelphia and is a Project Management Institute (PMI) Certified Risk Management Professional (PMI-RMP). He is a doctoral candidate in Systems and Engineering Management at Texas Tech University

As the title indicates, this book is about risk management and about insurance and provides an essential resource for all those involved in delivering high quality advice about protecting both personal and property for all Australians, their families and businesses. Financial planning involves more than just solving accumulation of capital problems. It has evolved to include advising on strategies to protect assets against catastrophic events should they happen and reducing their financial impact. This book introduces the risk management process and shows how insurance fits into the process. It also outlines how the process is applied to small business, personal property and personal financial protection; that is, the book focuses on the practical application of the techniques.Financial planning exists in a dynamic environment where legislative change is the only constant. From the introduction of the new Corporations Act (2001), the FOFA legislation and the new education requirements adopted by the Turnbull government signals the government's expectations of higher professional and ethical standards of financial planners.The third edition goes a long way in meeting these increased expectations as it includes the new legislative reforms as well as the reforms contained in the Insurance Contracts Amendment Act 2013. (the Act). This Act introduces changes such as to: the duty of disclosure, subrogation, misstatement of age, the removal of unfair terms in insurance contracts and much more. It also includes the FOFA reforms and advice to financial planners on conducting due diligence. Many sections have been updated and additional cases and illustrated examples added. The sections in the 2nd edition referring to New Zealand have been removed to avoid confusion with the Australian insurance scene.Insurance and Risk Management is the only Australian text book that focuses exclusively on the Australian Insurance Contracts Act 1984, Australian regulatory environment, Australian insurance environment, Australian insurance policies and as such, is an invaluable resource for Australian students and professionals.It: includes all the material that is required to be covered for graduates to gain entry into the Financial Planning Association of Australia meets the education content requirements for the proposed legislation to raise the professional standards of financial planners provides a practical explanation of risk management and its application explains complicated and technical general and life insurance concepts in plain English outlines how the general and life insurance industries operate in Australia provides practical instruction that will enhance the financial planning and insurance curriculums, and empowers readers to present life and general insurance risk management solutions in an authoritative and professional manner.Insurance and Risk Management is an invaluable resource for practicing financial planners, students and the public as the reader is taken from the basics through to a deeper level of understanding on a range of topics. Each chapter concludes with specific review questions, which makes the book particularly useful for: Diploma of Financial Planning students Advanced Diploma of Financial Planning students students studying for a degree in financial planning or as a major/minor area of study in an accounting or other degree students studying for a master's degree in financial planning or as part of a master's degree in business, or those who wish to know how a better understanding of risk management and the application of insurance can increase the financial security of their families and businesses.

This book discusses the payout phase of the old-age pension saving scheme, the so-called effective premium, and offers detailed actuarial models and analyses of five old-age pension saving products used in practice. These include the basic permanent monthly annuity, without any benefits for survivors, as well as products which, in addition, also include benefits for survivors or authorized persons in the event of the pensioner¿s death. The purpose of the book is to point out the method of determining future old-age pensions from old-age pension savings, and to present the advantages and disadvantages of such a pension. The book also emphasizes the role of the profitability testing of the products and answers questions concerning the effectiveness of old-age pension savings and insurance. The book is primarily intended for students of actuarial and financial mathematics and future economists.

The Federal Emergency Management Agency (FEMA) operates multiple hazard mitigation assistance (HMA) grant programs as a way to promote a national culture of preparedness and public safety, mitigate the consequences that disasters have for communities and infrastructure, and reduce future draws on the Disaster Relief Fund. The Robert T. Stafford Disaster Relief and Emergency Assistance Act requires FEMA to ensure that these mitigation activities are cost-effective. To determine cost-effectiveness, FEMA currently requires any project seeking HMA grants to include a benefit-cost analysis (BCA), implemented in accordance with Office of Management and Budget Circular A-94. Applicants for mitigation grants have provided extensive feedback that the BCA process is cumbersome and that finding the right data to include in the calculations of costs and benefits is difficult. FEMA is concerned that the administrative burdens and the costs of application processes could discourage subapplicants with fewer resources from applying or place them at a disadvantage in developing quality applications. Furthermore, two 2021 executive orders direct federal agencies to achieve greater equity and fairness in allocating federal resources. Two HMA grant programs have been selected as pilot programs for the corresponding federalwide Justice40 Initiative. The authors found that FEMA's dual goals of equity and simplicity occasionally compete, that FEMA has the authority to implement recommended changes, and that FEMA's approach to BCA differs from those of other federal entities. The authors identify nine changes that FEMA could implement to address the inequities introduced by the use of BCA in the HMA grant process.

As a financial advisor, you play a crucial role in ensuring your clients have the resources they need to make informed decisions about their health and financial well-being. Medicare is a remarkably complex and ever-changing aspect of retirement planning, and it can be easy to fall into common mistakes that could have significant consequences for your clients.That's why I wrote this book - 10 Medicare Mistakes Financial Advisors Make and How to Avoid Them. In it, I'll outline the top 10 mistakes financial advisors make when navigating Medicare and provide actionable steps for avoiding them. Whether you're a seasoned pro or just starting, this book will help you understand the Medicare system and avoid costly missteps that could impact your client's health and financial stability

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