Breakdown Cover Cheap

[Part 1] Let Us Know The Basic Insurance

2011-08-22T06:55:00.000+07:00

Communities in developed countries are very familiar with insurance, but otherwise not so with people in poor and developing countries. Most people lack an understanding of insurance issues, It related with majority of people are relatively low level of education and high rate of poverty so that this issue received less attention except among the educated and middle to upper social class. In law and economics, insurance is a form of risk management primarily used to hedge against the risk of a contingent, uncertain loss.

Insurance is defined as the equitable transfer of the risk of a loss, from one entity to another, in exchange for payment.

An insurer is a company selling the insurance;

An insured, or insurance policyholder, is the person or entity buying the insurance policy.

The insurance rate is a factor used to determine the amount to be charged for a certain amount of insurance coverage, called the premium.

Risk management, the practice of appraising and controlling risk, has evolved as a discrete field of study and practice. The transaction involves the insured assuming a guaranteed and known relatively small loss in the form of payment to the insurer in exchange for the insurer's promise to compensate (indemnify) the insured in the case of a financial (personal) loss. The insured receives a contract, called the insurance policy, which details the conditions and circumstances under which the insured will be financially compensated.

Insurance involves pooling funds from many insured entities (known as exposures) to pay for the losses that some may incur. The insured entities are therefore protected from risk for a fee, with the fee being dependent upon the frequency and severity of the event occurring.

In order to be insurable, the risk insured against must meet certain characteristics in order to be an insurable risk. Insurance is a commercial enterprise and a major part of the financial services industry, but individual entities can also self-insure through saving money for possible future losses.

Characteristics of insurable risks

Risk which can be insured by private companies typically share seven common characteristics.

Large number of similar exposure units. Since insurance operates through pooling resources, the majority of insurance policies are provided for individual members of large classes, allowing insurers to benefit from the law of large numbers in which predicted losses are similar to the actual losses. Exceptions include Lloyd's of London, which is famous for insuring the life or health of actors, actresses and sports figures. However, all exposures will have particular differences, which may lead to different rates.

Definite Loss. The loss takes place at a known time, in a known place, and from a known cause. The classic example is death of an insured person on a life insurance policy. Fire, automobile accidents, and worker injuries may all easily meet this criterion. Other types of losses may only be definite in theory. Occupational disease, for instance, may involve prolonged exposure to injurious conditions where no specific time, place or cause is identifiable. Ideally, the time, place and cause of a loss should be clear enough that a reasonable person, with sufficient information, could objectively verify all three elements.

Accidental Loss. The event that constitutes the trigger of a claim should be fortuitous, or at least outside the control of the beneficiary of the insurance. The loss should be ‘pure,’ in the sense that it results from an event for which there is only the opportunity for cost. Events that contain speculative elements, such as ordinary business risks, are generally not considered insurable.

Large Loss. The size of the loss must be meaningful from the perspective of the insured. Insurance premiums need to cover both the expected cost of losses, plus the cost of issuing and administering the policy, adjusting losses, and supplying the capital needed to reasonably assure that the insurer will be able to pay claims. For small losses these latter costs may be several times the size of the expected cost of losses. There is little point in paying such costs unless the protection offered has real value to a buyer.

Affordable Premium. If the likelihood of an insured event is so high, or the cost of the event so large, that the resulting premium is large relative to the amount of protection offered, it is not likely that anyone will buy insurance, even if on offer. Further, as the accounting profession formally recognizes in financial accounting standards, the premium cannot be so large that there is not a reasonable chance of a significant loss to the insurer. If there is no such chance of loss, the transaction may have the form of insurance, but not the substance.

Calculable Loss. There are 2 elements that must be at least estimable, if not formally calculable: the probability of loss, and the attendant cost. Probability of loss is generally an empirical exercise, while cost has more to do with the ability of a reasonable person in possession of a copy of the insurance policy and a proof of loss associated with a claim presented under that policy to make a reasonably definite and objective evaluation of the amount of the loss recoverable as a result of the claim.

Limited risk of catastrophically large losses. Insurable losses are ideally independent and non-catastrophic, meaning that the one losses do not happen all at once and individual losses are not severe enough to bankrupt the insurer; insurers may prefer to limit their exposure to a loss from a single event to some small portion of their capital base, on the order of 5 percent. Capital constrains insurers' ability to sell earthquake insurance as well as wind insurance in hurricane zones. In the U.S., flood risk is insured by the federal government.
In commercial fire insurance it is possible to find single properties whose total exposed value is well in excess of any individual insurer’s capital constraint. Such properties are generally shared among several insurers, or are insured by a single insurer who syndicates the risk into the reinsurance market.

[Part 2] Let Us Know The Basics of Insurance

2011-08-22T06:52:00.000+07:00

Insurance marketer, usually called insurance agent or financial consultant, is an unpopulair profession in Indonesia. The most of people lack an understanding of insurance issues, especially outside the developed countries. It related with majority of people are relatively low level of education and high rate of poverty so that this issue received less attention except among the educated and middle to upper social class.

The profession of agent insurance promises unlimited income and insurance industry grows rapidly. One day maybe you will be interested with this job. Perhaps in the near future you want to purchase car insurance or home insurance, property insurance etc. It's OK. I think, you should know 10 [ten] issue about insurance, like bellow :

1.   What is a Risk?
Risk is a possibility of adverse results arising from any occurrence. Therefore Risk arises out of uncertainty. In Insurance the term risk is used to mean either a peril to be insured against (fire is a risk to which property is exposed) or a person or property protected by insurance, (miners are not considered as good risk for accident insurance).

2.   What is an Insurance?
insurance is a form of risk management primarily used to hedge against the risk of a contingent, uncertain loss.
3.   What is a Policy of Insurance?
Policy of Insurance is The formal contract issued by an insurance company [called "insurer"] that contains terms and conditions of the insurance cover and serves as its legal evidence.
4.   What is a peril?
A peril is the cause of loss in a situation i.e. fire, storm, flood or theft etc. By taking an insurance cover, one protects himself or his property against certain perils.

5.   What is a cover note?
It is not always possible on the part of the Insurance Company to issue an actual policy document immediately as soon as the proposal is signed and premium is paid. There may be a need for the insured to prove that the cover is in force,for instance in motor insurance, there is a legal requirement. In such cases as a temporary measure, a document which is known as 'cover note' is issued to the insured which briefly gives the details of the cover. Subsequently, cover note is replaced by the policy document.

6.   What is utmost Good Faith?
This is one of the basic principles of insurance. When a person comes to the Insurance Company for any Insurance, he knows everything about the property or the person to be insured whereas the insurance company knows nothing. Hence it is the duty of the insured to make a full disclosure to the insurance company without being asked of all material circumstances. This is expressed by saying it is a contract of the utmost good faith.

7.   What is insurable interest ?
The existence of insurable interest is an essential ingredient ofany insurance contract. In an insurance contract, it is not the house or machinery or the ship that is insured, but it is the pecuniary interest of the insured in that house, machinery or shop etc. which is insured. The insured must stand in a relationship with the subject matter of insurance whereby he benefits from its safety or well-being and would be prejudiced by its loss or damage. And this relationship must be recognized by law.

8.   What is indemnity ?
'Indemnity' for the purpose of insurance contracts, is a mechanism by which insurers provide financial compensation sufficient to place the insured in the same financial position after a loss as he enjoyed immediately before it occurred. In layman's language, if your old property is totally damaged or lost, insurance company will normally, reimburse the present market value of the old property and not the value of a brand new property of similar nature. But there are certain exceptions to this principle.

9.   What is reinstatement ?
As a method of providing indemnity, reinstatement refers to property insurance where an insurer undertakes to restore or rebuild a building or piece of machinery damaged by any specified perils or by breakdown under an engineering policy.Under a 'reinstatement value policy' if the SI is chosen for the new value of the property, in case ofa loss, the insured can be reimbursed the current replacement value of the property without any deduction for wear and tear or depreciation.

10.   What is Sum Insured ?
Sum Insured is the value for which a property or a person is insured. There is no system which makes you to determine the exact value of property to be insured. In fire insurance or engineering insurance,, insured has the option to select the new replacement cost of the Building / Property or machinery as the Sum Insured and in case of a loss, they may get reimbursed the said cost under the principle of "new for old".For covering a person, there is no set formula and the insurance companies (insurers) normally accept maximum 3 to 5 times of annual income of the person as the Sum Insured under accident policy.

The IIHS's mission is to reduce losses - deaths, injuries and property damage – due to crashes

2011-08-18T13:11:00.000+07:00

The Insurance Institute for Highway Safety (IIHS) has been a leader in finding out what works and doesn't work to prevent crashes in the first place and reduce injuries in the crashes that still occur for over 30 years. The IIHS is an independent and non-profit organization as well as a scientific and educational organization wholly supported by insurance companies in US dedicated to the mission of reducing the losses - deaths, injuries and property damage - from crashes on the US national highways. In it's official website IIHS is based on :

Insurance Institute for Highway Safety
1005 N. Glebe Road, Suite 800
Arlington, VA 22201 USA
tel 703/247-1500
fax 703/247-1588.

The Vehicle Research Center (VRC) was opened in 1992. This center, which includes a state-of-the-art crash test facility, is the focus of most of the Institute's vehicle-related research. The Institute's affiliate organization, The Highway Loss Data Institute gathers, processes, and publishes data on the ways in which insurance losses vary among different kinds of vehicles. The Institute's research focuses on counter-measures aimed at 3 factors (human, vehicular and environmental) and on interventions that can occur before, during, and after crashes to reduce losses.

The Highway Loss Data Institute (HLDI) carry out the IIHS's mission to reduce losses - deaths, injuries and property damage – due to collisions on the US highways. HLDI share and support the mission through the study of data that represent the human and economic losses as a consequence of ownership and operation of various types of vehicles. The HLDI is a non-profit public service organization that closely associated with and funded through the IIHS which is totally supported by auto insurers.

Highway Loss Data Institute
1005 N. Glebe Road, Suite 700
Arlington, VA 22201 USA
tel 703/247-1600
fax 703/247-1595

The HLDI shares and supports the mission through the study of insurance data that represent the human and economic losses as a consequence of ownership and operation of various types of vehicles. The HLDI also publishes data reports on the ways losses vary among different kinds of vehicles and analyzes the cost to insurance companies from theft, collision, and injury claims as they relate to cars.

I suppose that's useful if both are adopted in Indonesia. The mission is to reduce losses — deaths, injuries, and property damage — from crashes. Certainly carrying out of the mission is very good for insurance industry. In the long run IIHS and HLDI will be able to reduce claim losses. Eventually the insurers will be able to provide service better.

For general inquiries, see http://www.iihs.org/

All About Contractor’s All Risk Insurance **

2011-08-07T15:52:00.000+07:00

Let talk about Insurance. If you interested of insurance business especially in general insurance, I think you might be also want to know about :

CAR insurance

Policy Contractor’s All Risk insurance or CAR insueance that covers all risks associated generally with construction project. Issued commonly under the joint names of a contractor and a principal (client), it usually also includes public liability insurance.

Insurance benefits : Making Financial Recovery is Possible

2011-06-24T11:33:00.000+07:00

I think we totally agree if someone say that Insurance makes economic recovery possible for victims of earthquake catasthrope in Chili, New Zealand and Japan. Economic recovery will be more fast if the risks are coverage with insurance. It’s so much better than not having anything at all. The above statement is all right.

The catastrophic earthquake in Japan, Mart 2011, made the insurance industry swallow loss more than US $ 35 billion. The catastrophic earthquake in New Zealand make insurance claims approximately NZ dollar 11 billion in February 2011. The catastrophic earthquake that struck central Chile in April 2011 is estimated to have caused billions of dollars in insured and economic losses. Insured losses are being estimated between U.S. $2 billion to $8 billion and total economic losses may cost between U.S. $15 billion to $30 billion.

If it wasn’t for the highly developed insurance market in Chile, economic recovery would be much more difficult. In addition to a number of its own insurers, Chile also has many large international insurers and reinsurers (mainly American and European) that will provide the financial resources necessary for Chile’s reconstruction, according to the Insurance Information Institute (III).

That makes Chile’s situation much different from Haiti’s, which was struck by a devastating earthquake on January 12. Haiti has almost no private insurance market.

According to III, direct premiums written in Chile in 2008 totaled roughly U.S. $5.8 billion. Of that, nonlife (i.e. coverage on homes, businesses and vehicles) insurance premiums accounted for U.S. $2.3 billion and life premiums U.S. $3.5 billion. By contrast, in Haiti, estimated total nonlife premium income written in 2008 was $19 million. Makes you wonder how different recovery would be for Haiti if it had a stronger insurance market.

Unfortunately, the benefits of insurance are often seen only after a disaster strikes. While no amount of money can ever make up for loss of life, insurance makes it possible for survivors to rebuild their lives. I often hear people complain about paying for insurance – saying it’s a waste of money. But it’s situations like these that remind us why insurance exists. Insurance business really give more benefits for insurance industry - insurance companies - and insurance policyholders each other. Insurance business makes economic recovery more faster and financial business more lively. Insurance services is rational needs for anticipating any catasthrope, disaster and accident.

We suggest you to buy any insurance according to your requires and how much money do you have for buying insurance.

Explanation of Contractor's All Risk Insurance

2011-06-15T11:39:00.000+07:00

The Meaning Contractor's All Risk Insurance

CAR Insurance is the insurance policy that covers all risks associated normally with a construction project. Issued commonly under the joint of a contractor and a principal (client), it usually also includes public liability insurance.

This article is a continuation of the first part of Contractor's All Risks Insurance and acted as an additional explanation. In the previous already alluded to the definition of Contractor's All Risks Insurance or CAR insurance along with a brief description and overview of the contents of the CAR insurance policy. So in this advanced section provide additional information and a more detailed explanation of the first part.

Risks (in Insurance), it means Situation where the probability distribution of a variable (such as burning down of a building) is known but its mode of occurrence or actual value (whether the fire will occur at a particular property) is not. A risk is not an uncertainty (where neither the probability nor the mode of the occurrence is known), a peril (cause of loss), or a hazard (agent or condition that makes the occurrence of a peril more likely or more severe).

Risks in general, it means, probability or threat of a damage, injury, liability, loss, or other negative occurrence, caused by external or internal vulnerabilities, and which may be neutralized through pre-mediated action.

Policy (in Insurance), it means formal contract issued by an insurer that contains terms and conditions of the insurance cover and serves as its legal evidence. Formal contract is contract made legally enforceable by following a prescribed format, and by incorporating standardized conditions and provisions in its body. Insurance company that issues a particular insurance policy to an insured. In case of a very large risk, several insurance companies may combine to issue one policy.

Project it means planned set of interrelated tasks to be executed over a fixed period and within certain cost and other limitations.

Construction, in general, it means works of clearing, dredging, excavating, and g rading of land and other activity associated with buildings, structures, or other types of real property such as bridges, dams, roads.

Contractor means Independent entity that agrees to furnish certain number or quantity of goods, material, equipment, personnel, and/or services that meet or exceed stated requirements or specifications, at a mutually agreed upon price and within a specified timeframe to another independent entity called contractee, principal, or project owner.

Principal in contracting or in insurance, it means a client who awards a contract to a contractor for completion of a job or project in accordance with terms of the contract. Also called owner. Client in general inusrance, it means customer of a professional service provider, or the principal of an agent or contractor.

Liability Insurance is insurance policy that covers civil liabilities to third parties, arising from bodily injury, property damage or other wrongs due to the action or inaction of the insured. It covers only civil liabilities and not criminal liabilities.

What can be insured on a construction project

Project work in accordance with the contract, typically, include :

1. Main work

2. Preparation work

3. Temporary work

4. Contractor's plant and equipment : Great tools and other machineries used in
the implementation of the work

5. Third party liability : It covers disability / death / hospital expenses and third
party property damages

6. Material handling on-supply by the owner (Principal)

7. Damage and or loss during the maintenance period

8. Cost of clearance of debris

9. And others.

Motorcycle Insurance Plus LIFE INSURANCE

2011-06-15T11:10:00.000+07:00

Population of motorcycles and other motor vehicles in Jakarta increased rapidly, while highway congestion getting worse because almost no new highway length added. The risk of accidents was even greater. Then the motorcycle insurance is no longer sufficient if only to otorcycle alone. Motorcycle insurance with a label name Takaful Anshor added benefit of death.

TAKAFUL ANSHOR

Takaful insurance company offers 2 types of motorcycle insurance. The first namely Standard Motorcycle Insurance is pure motorcycle insurance without any additional, It cover Total Loss Only due to a theft case or an accident caused more than 75% of destruction level. Rate premium for standard motorcycle insurance is 1.25%. The second type of motorcycle insurance we offered is Takaful ANSHOR. The product will replace total loss only due to a theft case or an accident with additional life insurance or Personal Accident insurance for compensation of death.

A Takaful insurance product for motorcycle with coverage warranty risk of total loss caused by theft case or accident with additional compensation for death due to an accident or died NOT because of an accident (Life Insurance).

<></>

	Membership Terms Motorcycles Insurance
1.	For Personal ownership in accordance with the Participant's name or vehicle registration in accordance with the receipts purchasing of the motorcycle except for ownership by Business Entity
2.	Use for Personal, Office, Institution, business company and not leased or for motorcycle taxis
3.	Maximum age of 7 years and a maximum sum insured of Rp. 50,000,000.
4.	Insurer is only obligated to pay a death benefit to a policy (no multiplier) if the Participant has more than one policy.

Calculation of Insurance Premium :

1] Takaful Anshor [Extended motorcycle insurance]:

Rate Premium          :   2.50 %
Occupation              :   Motorcycle YAMAHA MIO SOUL issued year of 2010
Sum Insured            :   IDR 13.000.000,-
Basic Premium        :   IDR 13.000.000 x 2,50%         = Rp. 325.000 ,-

Annual premium paid                                              = Rp. 325.000 ,-

2] Standard Motorcycle Insurance :

Rate Premium          :   1.25 %
Occupation              :   Motorcycle YAMAHA MIO SOUL issued year of 2010
Sum Insured            :   IDR 13.000.000,-
Basic Premium        :   IDR 13.000.000 x 1,25%         = Rp. 162.500 ,-

Annual premium paid                                               = Rp. 162.500 ,-

Insurance benefit :

* Total Loss Only due to a theft case or an accident

Additional personal accident and life insurance :

* Death compensation is due to an accident IDR 10.000.000,-

* Death benefit is NOT due to accident IDR 5.000.000,-

------------------------------------------------------------------------

How to Insure?

Information :
Phone / SMS : +62 815 8525 9555
Email : yusuf.edyempi@yahoo.com

Let we serve you

Dramatic Tsunami Has Terrified Japanese's Mind **

2011-05-14T08:19:00.000+07:00

In February 2011 large earthquake occured in Southern Pacific. insurance industry had to pay claim (especially for property insurance, earthquake insurance and fire insurance or home insurance) of New Zealand earthquake NZ $ 11 billion. In Mart 2011 large earthquake repeat again in Northern Pacific. Insurance industry back to bear huge losses and had to pay earthquake insurance, property insurance and fire insurance claims in Japan.

The earthquake soon followed tsunami and great fire. Temporary calculation claim to end of March 2011 reached US $ 35 Billion and life insurance claims reached US $ 4.5 Billion. Losses do not include the effects of leaking nuclear reactors due to earthquake in Fukushima.

Japan has been very frequently hit by earthquakes like Kanto earthquake, 1923, which killed 123,000 people. Tsunami (overflow of sea as the impact of large earthquakes with the epicenter below sea-ground) has also been hit coastal towns in Japan 1957. Earthquake in March 11, 2011 leaved a sorrow story, the coastal cities in northern Japan has swept away by tsunami as high as 10 meters.

It will be dangerous accident. Is Chernobyl nuclear disaster in Ukraine (USSR) April 26 1989 will repeat again? But there are signs that the insurance industry will not pay claims due to nuclear crisis.

Now some cities was smashed due to earthquake, tsunami and big fire. In the beach cities houses and building have not only collapsed, even drift by waves, leaving ruins and strewn garbage after the tsunami.

See the dramatic Tsunami in Northern Japan.

Dramatic sorrow moment when Tsunami wave smashed a coastal town in Northern Japan

We have seen a lot of footage of the tragic Japan tsunami, but this clip is the most horrifying yet. Entitled “South Sanriku — Tsunami seen from Shizugawa High School,” it’s shot from high ground, but toward the end of the video you can see panicked residents running for their lives.

Almost as dramatic as the video is its audio track, where even if you don’t speak Japanese, you can tell the people are expressing concern at the beginning, but by the end, their voices have reached a high level of panic and horror as they watch their homes washing away.

Shortly after the tsunami, one survivor called the oncoming deluge “a gigantic pile of garbage coming down the street.” That’s an apt description, as you can see an entire town reduced to a huge pile of watery debris in a matter of minutes. Shocking.

Human nature is not powerless to face fury of natural disasters, how much effort to anticipate when it comes, they will be utterly unable to avoid. Eventually people will just be a game 'Acts of God' And that's if you believe in the existence of God who created the entire universe.

If you do not believe in God, the Lord of all of our, or maybe you are agnostic, communism, pagan and / or do not believe that life after death, then you do not have to think about it. Do not worry, because your life will still run.

This is About Home Insurance

2011-05-10T10:00:00.000+07:00

Awareness for buying general insurance, especially home insurance in developed countries and emerging countries is not same exactly. The homeowners in Indonesia, for example, are very few who buy home insurance. In fact most of them do not think about home insurance when they first buy a house or build a new home. Similarly, when insurance marketers come, some of them still do not want to buy home insurance, even for the most basic warranty of home insurance, like fire insurance. Fire insurance is a relatively small value in IDR currency (Indonesian Rupiah), but they still would not buy.

In developed countries, for example United State of America, lots of homeowners tend to overlook one necessity, Home Insurance. Although nearly six out of 10 American homes don’t have enough insurance to protect them in the event of an emergency, according to a recent study conducted. Question is,”is your home covered?”

Home Insurance

Having a Home insurance is a necessary investment, though many people are paying hundreds of bucks more than needed because they didn’t avail of a home insurance. Since no we know that home insurance is an investment, have it in your list to shop around for the best deals.

Whether we like it or not, events such as fire, natural disasters (i.e. earthquake, flood, tsunami, windstorm) and house burglary (theft and robbery) do happen and all of this calamities is not unforseen. This is why having a home insurance is important. It will truly give you the peace of mind that your financial assets will remain intact if any tragedies happened. Insurance services will be the solution.

But if you will buy home insurance you must be careful. You should know that some aspects of the policies are just hard to understand. You can’t actually comprehend everything in just one sitting.

For example, even though the insurance companies say that they cover flood insurance, and say don’t rejoice and sign that contract instantly. There are things to consider before the insurance company gets that signature of yours. The best thing to do is for the broker to define what flood is. Also, if he or she says it’s something water related, then ask if mudslides caused by the softening of the land due to heavy rains and flood are covered by home insurance. If he says no, then might as well turn your back and walk away.

New Era in Virtual Media : Will Contribute in Insurance Industry?

2011-05-10T08:14:00.000+07:00

The convergence of TV and Internet is here and creating an innovative service in virtual media. Of course the smart advertisers should take notice and make a strategic adaptation. Every innovation of technology creates more easier way to make higher comfortable life. Remember! you also require insurance service to keep comfortable life after a calamity due to accidents or catastrophe like fire, flood, earthquake etc. Buy home insurance or fire insurance or property insurance and burglary insurance so that you still can has this product if fire destroy your house or be victim of crimes.

Here is new generation of TV and or internet connection. The advanced innovation technology has combined 2 media and made be Internet Connected TVs. With the growth of on-demand video, Internet-connected applications on TVs, and a plethora of new devices that make online connections easier, a growing percentage of consumers are watching online content on their TVs, and the trend shows no sign of slowing.

Basically, more higher quality of our life with more sophisticated completeness became us more dependent on technology. The dependency and fear of missing the comforts of life would create a need of insurance services increasingly.

In facts, history of insurance industry continue to increase rapidly as more advanced teknonogi and human civilization. Types of insurance services are increasingly diverse and objects of insurance add even more and more, The growth of sum insured [SI] and insurance premium grew significantly.

Quoted from Yahoo Advertising, published: January 2011 | By Yahoo! - In order to better understand consumer usage of Internet connected TV devices and gauge consumers’ attitudes around advertising on Yahoo!’s Connected TV product, Yahoo! partnered with Ipsos OTX MediaCT to survey 1,902 broadband/DSL. In addition to questions about general Internet connected TV interest and behavior, respondents were also shown a one-minute video demo of the Yahoo! Connected TV product to measure their perceptions.

What are the key findings?

THE TUBE EVOLVES AGAIN.

1 in 3 broadband households are using Internet connected TV at least once a week or more, and 3 in 5 have online connected TVs. Households are no longer exclusively viewing TV on their TV sets. They are also streaming Internet content such as music and video clips.
BUILT-IN WIDGETS AND GAME CONSOLES WILL DRIVE THIS TREND.

Game consoles and built in Internet- TV applications will drive Internet connectivity with 32% showing interest for each. Users are more interested in accessing the Internet through their TV, rather than relying on an extra box such as a dvd player or cable box.
ON-DEMAND VIDEO, WEATHER, GAMING AND MUSIC STRONG CONTENT PLAYERS.

Currently full-length TV or movie programming (68%), weather (65%) and gaming (64%) are the most common types of content accessed via Internet-connected TV. Interestingly, weather and video games are accessed more frequently on a weekly basis. Consumers are very interested in accessing music on their TVs, reporting 44% interest in the next 12 months, second only to TV/movies.
HOOK THEM WITH THE TV SHOW.

53% desire special content around the TV shows they watch and 28% want to include their friends via social media when watching. Content around TV shows will spur the growth of these applications, especially among women.
INTEREST IN ADVERTISING IS HIGH.

Advertising is also a key driver of usage as about 2 in 5 are interested in content relevant to commercials they see, provided it’s interesting. Half of respondents reported they are likely to interact with an ad on Yahoo! Connected TV and this increases even more for Internet TV users (63%) and among those interested in Yahoo! Connected TV (70%). See chart 1. Advertising should also be relevant when searching for certain info (45%), and be related to products featured in the program (42%) and commercials (41%).

Poetry of General Douglas Mac Arthur : a Lesson for Insurance Marketers *

2011-05-09T11:48:00.000+07:00

Insurance agent or insurance marketer and some people call this profession as insurance consultant becames the least popular for new graduates that will seek employment. Their presumption that to sell insurance policy, especially in Indonesia is very difficult due to low awareness of the importance of insurance.

Indeed profession of insurance marketer is promising unlimited income for those who love challenges because it requires tenacity, strong will, fortitude, perseverance, patience and ingenuity. This profession without salary, the source of their income solely derived from commission fee. Of course this is not attractive for new job seekers. Except for lovers challenges and have strong willingness to be insurance marketer. very few are willing to become an insurance agent, most beginners are those who lose to get other job or as a profession instant for employees who resign.

This following Poetry's Gen. Douglas Mac Arthur hopefully will inspire us to love challenges, especially for insurance agents like me or who wish to pursue a challenging profession in selling insurance. This talk about how to address a difficult life and how to believe a view that life which is full of challenges is an opportunity to increase personal qualities. His inspiring poem send us a teaching and his quotes inspire us how to educate our childs.

Issues That Need To Be Known In The House Insurance **

2011-05-07T14:34:00.000+07:00

Because your home deserves to be protected with Home Insurance

If you buy any insurance services, i.e. homeowner's insurance or home insurance or fire insurance, you should know all about insurance issues. You should read its brochure if available and examine contents of the insurance policy wording, especially the problems of what insurance covered and what is included exceptions that can not be claimed. You also need to know what is causing insurance claims can not be done.

Protect With Home Insurance

You can fullfill your home happiness with lovely family. Back home to meet them and for a comfortable rest after work time is our dream. Your home is full of all of the things that are most precious to you – and you need to protect them. Your home is likely to be your largest investment, and home insurance is not only the smart thing to do, it is a necessary. Are you really need insurance? Ok, but you should be careful before buying home insurance.

Burglary Insurance : Historical Review **

2011-05-07T14:04:00.000+07:00

You should buy burgary insurance. One time the crime was rampant and people are helpless. Thief, robbery, riots, burglary, vandalism and many tipes of crime always be a threat to peace and comfort in our lives. Crime is our common enemy and the war against crime will never stop. You can Minimize the risk of financial losses and property damages due to criminal acts by purchasing policies of fire insurance or home insurance or property all risk insurance and BURGLARY insurance.

Cheap Extended All Risks Insurance

2011-05-06T19:46:00.000+07:00

Safe driving habits can protect you. But it was not enough. You have been careful but the causes of accidents and calamities would not come from you. You need Insurance services, so you will be able to continue the comfort of your life after loss or damage. Especially if you live in big cities, auto Insurance is required. Traffic congestion, high speed driving, carelessness of yourself and others, vandalism, car theft and many unexpected acts have contributed to chances of the calamity that befall.

An Alternative Insurance Based on Islamic Laws **

2011-05-06T18:29:00.000+07:00

Shariah financial System has been more 30 years offering alternative products in global financial industry, starting from banking industry and growing rapidly in the United Kingdom, one of Europe's financial business centers. Now London has been being the world shariah financial business center. Then followed the development of Shariah insurance called Takaful Insurance founded in 1980s.

Property Insurance in US **

2011-05-05T13:12:00.000+07:00

Fire Insurance as a forerunner of the insurance industry. Property insurance has a long history, over 200 years of history in America. The early fire marks of Benjamin Franklin's time can still be seen on some Philadelphia buildings as well as in other older American cities. Subscribers paid fire fighting companies in advance for fire protection and in exchange would receive a fire mark to attach to their building. The payments for the fire marks supported the fire fighting companies. Volunteer fire departments were also common in the US, and some fire insurers contributed money to these departments and awarded bonuses to the first fire engine arriving at the scene of a fire.

How to Protect Your House by Home Insurance? **

2011-05-05T05:21:00.000+07:00

You really need insurance services i.e. car insurance, home insurance or namely fire insurance, life insurance and so for. Why we must buy insurances? We were created to love our property or treasury. Then our instincts push to develop and maintain the properties of all possible disasters that cause loss or reduction in property. But the problem, sometimes we are not powerless against nature disasters or crimes. To anticipate losses or damages caused by these threats you need insurance services.

Really You Require Car Insurance! ***

2011-05-04T14:14:00.000+07:00

Car insurance is so important

You should buy car insurance? Driving car in metropolitan, like Jakarta, Paris and New York without car insurance or auto insurance is extremely high-risk. The risk is collided with another vehicle or a single accident due to human factors, machine or road conditions while driving. Accidents may involve third party - person or object that was hit and or lawsuits that followed.

Takaful ABROR Brochure : Extended CAR INSURANCE *

2011-05-04T12:53:00.000+07:00

PT Syarikat Takaful Indonesia as Insurance Holding Company is the first pure shariah Insurance in Indonesia, founded in August 1994. The Holding has 2 subsidiaries PT ATK with core business in life insurance and PT ATU which is in general insurance. One of insurance services offered by Insurance Takaful is car insurance in All Risk extended insurance (exlusive), All Risk Standard insurance and Total Loss Only.

Driving car without car insurance is very risky action. The cost of accident if not car insurance protected and all must be borne by yourself would be very troublesome. This is why car insurance is so important. All of the risks require mitigation of loss. The cost of car repairs, medical care due to accident, claims for compensation and legal liability to third parties. All of these if not protected by insurance services and must be borne yourself would be very burdensome.

Takaful Shariah : Cheap Car Insurance *

2011-05-04T10:02:00.000+07:00

Why car insurance is so important?

Should I buy car insurance? Did you know there is a car accident in the US every 5 seconds? That means a dozen times a minute. Safe driving habits can protect you. But it was not enough, you have been careful but the causes of accidents and other calamities would not come from you. You really need to add car insurance. Driving car in big city without auto insurance is extremely high-risk. The risk is collided with another vehicle or a single accident due to human factors, machine, road conditions or natural while driving. Accidents may involve third party - a person or object that was hit and or lawsuits that followed.

All About Auto Insurance policy *

2011-05-04T08:30:00.000+07:00

In big cities certainly car insurance or auto insurance much-needed. Driving in Jakarta, San Francisco or Paris without auto insurance is very risky. Traffic jam, high speed on freeway, own carelessness or other riders, theft, vandalism and many unforeseen factors have contributed to chances of disaster that struck the vehicle. Theft and costs due to accidents if not protected car insurance and must be borne own would be so burdensome, troublesome and very inconvenient. Finally auto insurance will be the solution.

All About Fire Insurance in Indonesia **

2011-05-02T09:51:00.000+07:00

Fire insurance business is governed by the authorized bureau, in Indonesia the insurance bureau under Finance Ministry, that lays down the terms of coverage, the premium rates and the conditions of the Fire Policy. The fire insurance policy has been renamed as standard fire insurance called PSAKI (Indonesia Standard Fire Insurance Policy) and Special Perils Policy. The risks covered are as follows :

Tambora : The Greatest Global Climate Catastrophe *

2011-04-30T18:10:00.000+07:00

Real need of earthquake insurance

Really, we require home insurance or fire insurance that expanded with insuring risk of earthquakes and volcanic eruptions. Almost all of Indonesia prone to earthquakes and volcanic eruptions (except Borneo) because of impassable track "Ring of Fire." Note the map on the side, the yellow is subduction zone lines and almost all parts of Indonesia in the yellow-block, which means that Indonesia is save powerful disasters potential (such as grand eruption which created the former giant crater that is now Lake TOBA). Topography and geological structure of Sumatra, Java, Nusa Tenggara, Maluku, Papua, North Sulawesi to show proof of the existence Earth's plates and faults. This facts tell about a rationale need for earthquake insurance after buying fire insurance or home insurance.

[2] All About Property Insurance Part 2 **

2011-04-30T09:16:00.000+07:00

Property Insurance is one of general insurance services that covers the owner or another person with interests in the property. Property Insurance can be types of home insurance or fire insurance and PAR insurance. Property All Risks [PAR] insurance has a wider warranty when compared with the type of home insurance or fire insurance. For example PAR insurance covers the loss of income.

Brief of Contractor’s All Risks Insurance *

2011-04-28T06:47:00.000+07:00

Contractor’s All Risk insurance or CAR insurance generally use in construction project. CAR insurance is one of general insurance services which give compensation of loss due to physical damage suffered by the insured during the execution of civil engineering works projects (generally). Damage and losses that are guaranteed to be a sudden, unexpected and occurred in project site.