Health, Ageing and Retirement in Europe — Starting the Longitudinal Dimension. Factors affecting decisions[ edit ] Many factors affect people's retirement decisions.
The task manager for the World Bank was John Pollner. He was assisted by W. Ed Morris, consultant to the World Bank. Coordination and supervision was provided by Jan C. Many Caribbean people from government, financial, and insurance circles kindly gave of their expertise and time during consultant visits in Their assistance and contributions are greatly appreciated.
The adaptation of a claim put in by an insured to conform it to the coverage conditions of the policy for settlement purposes. A major disaster event causing damage to multiple interests.
An insurance company owned by its policyholders and primarily concerned with insuring the owners' risks; industry trade associations often set up their own captive companies. A policy provision reducing the amount of claim settlement, often expressed as a percentage of the sum insured.
An insurance agency empowered by the insurance company ies it represents to accept stipulated risks and settle claims on behalf of the insurer.
A natural phenomenon with the potential to cause damage, including its location and the severity and probability of the damage. Probable Maximum Loss, a term used by insurers to signify the estimated amount likely to be claimed under policies, often expressed as a percentage of the full values insured.
A generic term to signify those classes of insurance covering real and personal property buildings, equipment, contents, etc. The mechanism by which one insurance company contractually passes a proportion of insured risks to another insurance company, the reinsurer.
The consideration paid by the reinsurer to the reinsured company. Estimate of probable loss expected from the effects of a given hazardous event on a given element, or all elements, in an area. Risk relates a hazard to vulnerability. A technology also a profession whereby risk exposures are systematically identified and quantified and determinations are made about whether to eliminate or modify the risk, self-insure the risk, or purchase traditional insurance protection.
The level amount of risk retained by an insurer before reinsuring self-insurance. The amount of risk-taking borne by property owner. Degree of loss that may be expected of an element e. The former are ultimately more efficient, although the latter can reduce economic volatility by spreading risks more evenly.
The Caribbean insurance industry has been existence for some 25 years, principally as a component of the larger financial products and services industry.
Relatively few independent insurers operate in the area. Caribbean insurance companies have not been motivated to generate and expose significant capital for underwriting catastrophe perils.
Characteristically, they limit their catastrophe risk retention levels to under 15 percent, the remainder being ceded to reinsurers. The availability of reinsurance affects the profitability of Caribbean insurance companies, as it governs the ability to write policies and thus generate subsequent income from reinsurance commissions.
Policy coverage restrictions are generally designed and imposed by foreign reinsurers, and their effect falls on the policyholders rather than on the insurance companies.
In recent years the Caribbean area has seen its share of natural disasters, and its insurance markets have been through one of their most difficult periods. As a result, Caribbean insurers need to evaluate their portfolio risks with greater precision so that they can prove to reinsurers their true exposures and thereby maintain reinsurance protection at reasonable cost.At some point in their exploration of Brazil, the Portuguese encountered an animal they called bicho-preguiça (lazy animal or animal sloth).
(Portugese Wikipedia).The French called it Paresseux and the Spanish Perezosos or Pereza (lazy). The English called it a Sloth. A collection of scholarly works about individual liberty and free markets. A project of Liberty Fund, Inc. Facsimile PDF MB This is a facsimile or image-based PDF made from scans of the original book.
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The study Comparative Analysis on Mutual Fund Scheme MBA Project has tried prove that mere returns of a fund or the past performance.