#Surplus Lines Insurance

[martblogs]

Surplus Lines Insurance Market Research Report 2022 to 2028: Industry Trends, Regional Wise Outlook, Growth Projections and Opportunities

This report provides a comprehensive analysis of current Global Surplus Lines Insurance Market based on segmented types and downstream applications. Major product development trends are discussed  under major downstream segment scenario.This report also focuses on major driving factors and inhibitors that affect the market and competitive landscape. Global and regional leading players in the Surplus Lines Insurance industry are profiled in a detailed way, with sales data and market share info. This report also includes global and regional market size and forecast, drill-down to top 20 economies.

 According to this survey, the global Surplus Lines Insurance market is estimated to have reached $ xx million in 2020, and projected to grow at a CAGR of xx% to $ xx million by 2028.

 Get Sample Report @ https://martresearch.com/contact/request-sample/3/16963

 Covid-19 pandemic has impacted the supply and demand status for many industries along the supply chain. Global Surplus Lines Insurance Market Status and Forecast 2022-2028 report makes a brilliant attempt to unveil key opportunities available in the global Surplus Lines Insurance market under the covid-19 impact to help readers in achieving a better market position. No matter the client is industry insider, potential entrant or investor, the report will provide useful data and information.

 The Global Surplus Lines Insurance Market has been exhibited in detail in the following chapters

Chapter 1 displays the basic product introduction and market overview.

Chapter 2 provides the competition landscape of global Surplus Lines Insurance industry.

Chapter 3 provides the market analysis by type and by region

Chapter 4 provides the market analysis by application and by region

 Segmented by Type

l General Business Liability Insurance

l Allied Lines Insurance

l Fire Insurance

l Inland Marine Insurance

l Commercial Multi-Peril Insurance

l Commercial Auto Insurance

l Others

 Segmented by Application

l Commercial

l Personal

 Get Enquiry Report @ https://martresearch.com/contact/enquiry/3/16963

 Segmented by Country

   North America

       United States

       Canada

       Mexico

   Europe

       Germany

       France

       UK

       Italy

       Russia

       Spain

   Asia Pacific

       China

       Japan

       Korea

       Southeast Asia

       India

       Australasia

   Central & South America

       Brazil

       Argentina

       Colombia

   Middle East & Africa

       Iran

       Israel

       Turkey

       South Africa

       Saudi Arabia

 Get Discount Report @ https://martresearch.com/contact/discount/3/16963

 Key manufacturers included in this survey

l AXA

l Zurich

l Travelers Insurance

l Swiss Re

l ProSight Specialty Insurance

l Lloyd's

l Chubb

l Berkshire Hathaway Specialty Insurance

l American International Group, Inc.

l Aegis Security Insurance Company

 Contact Us:-

+1-857-300-1122

 enquiry@martresearch.com

 sales@martresearch.com

[awkward-teabag]

You're pretty correct, neither is actually good as the NDP idea of middle-class is not in line with the reality of things and their income thresholds to rent a unit from BC Builds are absurdly high.

That said, 15% of units would amount to <10 units (sometimes only 1 or 2) in most new builds that are rent-to-own given zoning laws and NIMBYs who fight against anything that's more than a couple stories tall.

Though my biggest issue is he wants to sell off Crown land to private developers rather than have the government build on that land. BC United (formerly BC Liberals) are notorious and infamous for privatization and selling off public land/companies to private ones.

One of the big examples being BC Ferries. It's the primary way for people to get to or from Vancouver Island (and the gulf islands) and considered part of the Trans Canada Highway. It was government-funded and controlled for a long, long time so while it wasn't ~fancy~ it was affordable and reliable and people would take monthly/multiple times a year/yearly trips to or from the island and/or you could impulse travel with a car and not break the bank.

Since it was funded by the government, there was no need to push for profits as operating costs were covered by its fares and provincial taxes.

Then the BC Liberals privatized it (saying it was a Crown Corporation) so the government was still the sole shareholder but suddenly it had a C-suite and motivation to drive profits up so said C-suite could get bigger bonuses. Union jobs were made redundant (as they couldn't target unionized workers specifically), corners were cut, fares went up (and continue to go up), routes were cancelled, sailings were cancelled...

Now people don't bother using them unless needed because it can cost $200+ one way if you drive and you never know if a sailing is going to be cancelled due to staffing issues because they have an asinine backasswards way of doing staffing (tldr: you get no set schedule but are on-call and expected to drop everything and work with an hour or so of notice if called in... also there is (or was) a marine workers shortage and BC Ferries paid less than what people could make for companies that gave them a set schedule and work hours).

Also they complain about usage going down constantly so they increase fare prices to make up for the shortfall and just hired 4 more VPs while saying they couldn't possibly hire more workers/make jobs permanent because that would be too expensive.

Oh and the ships built during the government era are still chugging along and keep being pulled out of retirement while the ones built after privatization are either being sold for scrap or limping along with constant mechanical issues because the company kept going for cheap contracts and didn't look at reliability or post-purchase costs.

Which is a long way to say that I would not trust BC United for anything other than making rich people richer and am also not surprised Falcon's proposal involves selling off Crown assets to private developers.

Some of the things he says makes sense but that's not worth the risk of everything else. While I don't like the BC NDP's plan and think it falls far short of what's actually needed, it's still better than Falcon's proposal.

Also the biggest obstacle is not the lack of new land, it's zoning laws that limit building up and it takes too much time and costs too much for developers to petition to get them changed. Plus NIMBYs who are determined to fight against it because they got theirs and it would "ruin their view" or "ruin the character of the town". If Falcon really cared about housing and not giving private developers sweet, sweet deals, he'd be proposing zoning changes instead of breaking new ground.

Oh and before they changed their name, BC United was tied to money laundering via gambling and public sentiment and suspicion was they were using housing as another way to launder large sums of money given luxury condos suddenly started springing up during the same time period but were suspiciously empty.

“You are not going to get there if you try to have the government build the housing or government be the developer, or government come up with these complex programs that nobody can figure out.”

-

That statement alone makes my head explode…

[thoughtportal]

Once You See the Truth About Cars, You Can’t Unsee It https://www.nytimes.com/2022/12/15/opinion/car-ownership-inequality.html

By Andrew Ross and Julie Livingston

Mr. Ross and Ms. Livingston are professors at New York University, members of its Prison Education Program Research Lab and authors of the book “Cars and Jails: Freedom Dreams, Debt, and Carcerality.”

In American consumer lore, the automobile has always been a “freedom machine” and liberty lies on the open road. “Americans are a race of independent people” whose “ancestors came to this country for the sake of freedom and adventure,” the National Automobile Chamber of Commerce’s soon-to-be-president, Roy Chapin, declared in 1924. “The automobile satisfies these instincts.” During the Cold War, vehicles with baroque tail fins and oodles of surplus chrome rolled off the assembly line, with Native American names like Pontiac, Apache, Dakota, Cherokee, Thunderbird and Winnebago — the ultimate expressions of capitalist triumph and Manifest Destiny.

But for many low-income and minority Americans, automobiles have been turbo-boosted engines of inequality, immobilizing their owners with debt, increasing their exposure to hostile law enforcement, and in general accelerating the forces that drive apart haves and have-nots.

Though progressive in intent, the Biden administration’s signature legislative achievements on infrastructure and climate change will further entrench the nation’s staunch commitment to car production, ownership and use. The recent Inflation Reduction Act offers subsidies for many kinds of vehicles using alternative fuel, and should result in real reductions in emissions, but it includes essentially no direct incentives for public transit — by far the most effective means of decarbonizing transport. And without comprehensive policy efforts to eliminate discriminatory policing and predatory lending, merely shifting to electric from combustion will do nothing to reduce car owners’ ever-growing risk of falling into legal and financial jeopardy, especially those who are poor or Black.

By the 1940s, African American car owners had more reason than anyone to see their vehicles as freedom machines, as a means to escape, however temporarily, redlined urban ghettos in the North or segregated towns in the South. But their progress on roads outside of the metro core was regularly obstructed by the police, threatened by vigilante assaults, and stymied by owners of whites-only restaurants, lodgings and gas stations. Courts granted the police vast discretionary authority to stop and search for any one of hundreds of code violations — powers that they did not apply evenly. Today, officers make more than 50,000 traffic stops a day. Driving while Black has become a major route to incarceration — or much worse. When Daunte Wright was killed by a police officer in April 2021, he had been pulled over for an expired registration tag on his car’s license plate. He joined the long list of Black drivers whose violent and premature deaths at the hands of police were set in motion by a minor traffic infraction — Sandra Bland (failure to use a turn signal), Maurice Gordon (alleged speeding), Samuel DuBose (missing front license plate) and Philando Castile and Walter Scott (broken taillights) among them. Despite widespread criticism of the flimsy pretexts used to justify traffic stops, and the increasing availability of cellphone or police body cam videos, the most recent data shows that the number of deaths from police-driver interactions is almost as high as it has been over the past five years.

In the consumer arena, cars have become tightly sprung debt traps. The average monthly auto loan payment crossed $700 for the first time this year, which does not include insurance or maintenance costs. Subprime lending and longer loan terms of up to 84 months have resulted in a doubling of auto loan debt over the last decade and a notable surge in the number of drivers who are “upside down”— owing more money than their cars are worth. But, again, the pain is not evenly distributed. Auto financing companies often charge nonwhite consumers higher interest rates than white consumers, as do insurers.

Formerly incarcerated buyers whose credit scores are depressed from inactivity are especially red meat to dealers and predatory lenders. In our research, we spoke to many such buyers who found it easier, upon release from prison, to acquire expensive cars than to secure an affordable apartment. Some, like LeMarcus, a Black Brooklynite (whose name has been changed to protect his privacy under ethical research guidelines), discovered that loans were readily available for a luxury vehicle but not for the more practical car he wanted. Even with friends and family willing to help him with a down payment, after he spent roughly five years in prison, his credit score made it impossible to get a Honda or “a regular car.” Instead, relying on a friend to co-sign a loan, he was offered a high-interest loan on a pre-owned Mercedes E350. LeMarcus knew it was a bad deal, but the dealer told him the bank that would have financed a Honda “wanted a more solid foundation, good credit, income was showing more,” but that to finance the Mercedes, it “was actually willing to work with the people with lower credit and lower down payments.” We interviewed many other formerly incarcerated people who followed a similar path, only to see their cars repossessed.

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LeMarcus was “car rich, cash poor,” a common and precarious condition that can have serious legal consequences for low-income drivers, as can something as simple as a speeding ticket. A $200 ticket is a meaningless deterrent to a hedge fund manager from Greenwich, Conn., who is pulled over on the way to the golf club, but it could be a devastating blow to those who mow the fairways at the same club. If they cannot pay promptly, they will face cascading penalties. If they cannot take a day off work to appear in court, they risk a bench warrant or loss of their license for debt delinquency. Judges in local courts routinely skirt the law of the land (in Supreme Court decisions like Bearden v. Georgia and Timbs v. Indiana) by disregarding the offender’s ability to pay traffic debt. At the request of collection agencies, they also issue arrest or contempt warrants for failure to appear in court on unpaid auto loan debts. With few other options to travel to work, millions of Americans make the choice to continue driving even without a license, which means their next traffic stop may land them in jail.

The pathway that leads from a simple traffic fine to financial insolvency or detention is increasingly crowded because of the spread of revenue policing intended to generate income from traffic tickets, court fees and asset forfeiture. Fiscally squeezed by austerity policies, officials extract the funds from those least able to pay. This is not only an awful way to fund governments; it is also a form of backdoor, regressive taxation that circumvents voters’ input.

Deadly traffic stops, racially biased predatory lending and revenue policing have all come under public scrutiny of late, but typically they are viewed as distinct realms of injustice, rather than as the interlocking systems that they are. Once you see it, you can’t unsee it: A traffic stop can result in fines or arrest; time behind bars can result in repossession or a low credit score; a low score results in more debt and less ability to pay fines, fees and surcharges. Championed as a kind of liberation, car ownership — all but mandatory in most parts of the country — has for many become a vehicle of capture and control.

Industry boosters promise us that technological advances like on-demand transport, self-driving electric vehicles and artificial intelligence-powered traffic cameras will smooth out the human errors that lead to discrimination, and that car-sharing will reduce the runaway costs of ownership. But no combination of apps and cloud-based solutions can ensure that the dealerships, local municipalities, courts and prison industries will be willing to give up the steady income they derive from shaking down motorists.

Aside from the profound need for accessible public transportation, what could help? Withdraw armed police officers from traffic duties, just as they have been from parking and tollbooth enforcement in many jurisdictions. Introduce income-graduated traffic fines. Regulate auto lending with strict interest caps and steep penalties for concealing fees and add-ons and for other well-known dealership scams. Crack down hard on the widespread use of revenue policing. And close the back door to debtors’ prisons by ending the use of arrest warrants in debt collection cases. Without determined public action along these lines, technological advances often end up reproducing deeply rooted prejudices. As Malcolm X wisely said, “Racism is like a Cadillac; they bring out a new model every year.”

Andrew Ross and Julie Livingston are professors at New York University, members of its Prison Education Program Research Lab and authors of the book “Cars and Jails: Freedom Dreams, Debt, and Carcerality.”

[cavewretch]

my insurance is currently nerfing me in every possible way it can before they kick me off in june and i'm in a lot of pain (migraine etc) in the dark just kind of weeping . time for a captains log entry (vent/rant)

thinking about how being a sickie means we are on the front lines to get worse/die in crisis but also in on the ground revolution. maybe i'm wrong about that but it feels like no political alignment actually has sickies in their ideal world for what comes after. and like ok. i never expected to live til i'm old, if i as an individual die in the process of fighting for something better that's okay. but if my whole social class of sickies (disabled/immunocompromised/high risk/surplus class, whatever u call us) has to die too then that's not something worth fighting for. where are the sickies in the revolution . where are the sickies in ur utopias .

im so tired of not being able to see anyone without a mask. i'm tired of my life not mattering enough to people i care about that they still won't crack the shell of their liberalism. i'm tired of watching people get sick and die . i'm tired of the us empire's tendrils poisoning the globe and i want it to fall apart desperately but i also know that as it does my health will get worse without medications and i will be useless to any movement and no movement would have me . my brain creatures whisper i am a parasite and social norms reaffirm the whispers at every turn.

it's raining again and i have to ride out the pain until i can try a double strength injection in april. i don't even know if it'll help. nothing gives me any relief anymore. insurance might not even cover the double strength dose, which means $800 a month, which is impossible for me . i have to beg people in positions of authority over me again and again and again for basic basic things and i'm sick of it . i want to live so bad that it's making me think death is the only way out . i refuse to do it myself, they will have to squash me themselves. but god does everything fucking suck . good night see u tomorrow xo

[female-malice]

Once You See the Truth About Cars, You Can’t Unsee It

By Andrew Ross and Julie Livingston

In American consumer lore, the automobile has always been a “freedom machine” and liberty lies on the open road. “Americans are a race of independent people” whose “ancestors came to this country for the sake of freedom and adventure,” the National Automobile Chamber of Commerce’s soon-to-be-president, Roy Chapin, declared in 1924. “The automobile satisfies these instincts.” During the Cold War, vehicles with baroque tail fins and oodles of surplus chrome rolled off the assembly line, with Native American names like Pontiac, Apache, Dakota, Cherokee, Thunderbird and Winnebago — the ultimate expressions of capitalist triumph and Manifest Destiny.

But for many low-income and minority Americans, automobiles have been turbo-boosted engines of inequality, immobilizing their owners with debt, increasing their exposure to hostile law enforcement, and in general accelerating the forces that drive apart haves and have-nots.

Though progressive in intent, the Biden administration’s signature legislative achievements on infrastructure and climate change will further entrench the nation’s staunch commitment to car production, ownership and use. The recent Inflation Reduction Act offers subsidies for many kinds of vehicles using alternative fuel, and should result in real reductions in emissions, but it includes essentially no direct incentives for public transit — by far the most effective means of decarbonizing transport. And without comprehensive policy efforts to eliminate discriminatory policing and predatory lending, merely shifting to electric from combustion will do nothing to reduce car owners’ ever-growing risk of falling into legal and financial jeopardy, especially those who are poor or Black.

By the 1940s, African American car owners had more reason than anyone to see their vehicles as freedom machines, as a means to escape, however temporarily, redlined urban ghettos in the North or segregated towns in the South. But their progress on roads outside of the metro core was regularly obstructed by the police, threatened by vigilante assaults, and stymied by owners of whites-only restaurants, lodgings and gas stations. Courts granted the police vast discretionary authority to stop and search for any one of hundreds of code violations — powers that they did not apply evenly. Today, officers make more than 50,000 traffic stops a day. “Driving while Black” has become a major route to incarceration — or much worse. When Daunte Wright was killed by a police officer in April 2021, he had been pulled over for an expired registration tag on his car’s license plate. He joined the long list of Black drivers whose violent and premature deaths at the hands of police were set in motion by a minor traffic infraction — Sandra Bland (failure to use a turn signal), Maurice Gordon (alleged speeding), Samuel DuBose (missing front license plate), and Philando Castile and Walter Scott (broken taillights) among them. Despite widespread criticism of the flimsy pretexts used to justify traffic stops, and the increasing availability of cellphone or police body cam videos, the most recent data shows that the number of deaths from police-driver interactions is almost as high as it has been over the past five years.

In the consumer arena, cars have become tightly sprung debt traps. The average monthly auto loan payment crossed $700 for the first time this year, which does not include insurance or maintenance costs. Subprime lending and longer loan terms of up to 84 months have resulted in a doubling of auto loan debt over the last decade and a notable surge in the number of drivers who are “upside down”— owing more money than their cars are worth. But, again, the pain is not evenly distributed. Auto financing companies often charge nonwhite consumers higher interest rates than white consumers, as do insurers.

Formerly incarcerated buyers whose credit scores are depressed from inactivity are especially red meat to dealers and predatory lenders. In our research, we spoke to many such buyers who found it easier, upon release from prison, to acquire expensive cars than to secure an affordable apartment. Some, like LeMarcus, a Black Brooklynite (whose name has been changed to protect his privacy under ethical research guidelines), discovered that loans were readily available for a luxury vehicle but not for the more practical car he wanted. Even with friends and family willing to help him with a down payment, after he spent roughly five years in prison, his credit score made it impossible to get a Honda or “a regular car.” Instead, relying on a friend to co-sign a loan, he was offered a high-interest loan on a pre-owned Mercedes E350. LeMarcus knew it was a bad deal, but the dealer told him the bank that would have financed a Honda “wanted a more solid foundation, good credit, income was showing more,” but that to finance the Mercedes, it “was actually willing to work with the people with lower credit and lower down payments.” We interviewed many other formerly incarcerated people who followed a similar path, only to see their cars repossessed.

LeMarcus was “car rich, cash poor,” a common and precarious condition that can have serious legal consequences for low-income drivers, as can something as simple as a speeding ticket. A $200 ticket is a meaningless deterrent to a hedge fund manager from Greenwich, Conn., who is pulled over on the way to the golf club, but it could be a devastating blow to those who mow the fairways at the same club. If they cannot pay promptly, they will face cascading penalties. If they cannot take a day off work to appear in court, they risk a bench warrant or loss of their license for debt delinquency. Judges in local courts routinely skirt the law of the land (in Supreme Court decisions like Bearden v. Georgia and Timbs v. Indiana) by disregarding the offender’s ability to pay traffic debt. At the request of collection agencies, they also issue arrest or contempt warrants for failure to appear in court on unpaid auto loan debts. With few other options to travel to work, millions of Americans make the choice to continue driving even without a license, which means their next traffic stop may land them in jail.

The pathway that leads from a simple traffic fine to financial insolvency or detention is increasingly crowded because of the spread of revenue policing intended to generate income from traffic tickets, court fees and asset forfeiture. Fiscally squeezed by austerity policies, officials extract the funds from those least able to pay. This is not only an awful way to fund governments; it is also a form of backdoor, regressive taxation that circumvents voters’ input.

Deadly traffic stops, racially biased predatory lending, revenue policing have all come under public scrutiny of late, but typically they are viewed as distinct realms of injustice, rather than as the interlocking systems that they are. Once you see it, you can’t unsee it: A traffic stop can result in fines or arrest; time behind bars can result in repossession or a low credit score; a low score results in more debt and less ability to pay fines, fees and surcharges. Championed as a kind of liberation, car ownership — all but mandatory in most parts of the country — has for many become a vehicle of capture and control.

Industry boosters promise us that technological advances like on-demand transport, self-driving electric vehicles and artificial intelligence-powered traffic cameras will smooth out the human errors that lead to discrimination, and that car-sharing will reduce the runaway costs of ownership. But no combination of apps and cloud-based solutions can ensure that the dealerships, local municipalities, courts and prison industries will be willing to give up the steady income they derive from shaking down motorists.

Aside from the profound need for accessible public transportation, what could help? Withdraw armed police officers from traffic duties, just as they have been from parking and tollbooth enforcement in many jurisdictions. Introduce income-graduated traffic fines. Regulate auto lending with strict interest caps and steep penalties for concealing fees and add-ons and for other well-known dealership scams. Crack down hard on the widespread use of revenue policing. And close the back door to debtors’ prisons by ending the use of arrest warrants in debt collection cases. Without determined public action along these lines, technological advances often end up reproducing deeply rooted prejudices. As Malcolm X wisely said, “Racism is like a Cadillac; they bring out a new model every year.”

[anticorn-lawleag-ue]

Whoa there hold on. Capitalism and America's relationship with art and profit does not come down to Economists only. Our role in why profit maxxing (what this post is talking about, aka beating that dead horse until it stops spitting out money) became default/obsession is *not* small but we aren't the source from the top of these existing and dominating companies. Private sector economists typically get hired to do the dirty work; when they tell us to find the profit maximizing strategy, we do the analysis and interpret the conclusion in a meaningful way, and provide reasonable next-steps. Many also study poverty, international trade, why some countries are poorer than others, welfare participation rates and how to *increase participation* for those that qualify and don't take it, labor and wage stagnation, education (my specialty), crime, insurance, exchange rates, etc.... We *know* how to profit maximize with spread sheets sure, but we are a quantitative social science. We study human behavior through the lens of data and mathematics, but it must toe the line between numbers and human behavior. This is our role in the humanities.

There are different schools of thought and essentially political alignments within our field as well, such as the famous Keynes vs Hayek debate (post WW2) on degrees of government intervention in times of economic crises, and we even have slang for these debates that have existed for a while (google Fresh water vs Salt water economics; these are nicknames based on locations of universities). Notably, many economists are trying to increase the diversity and perspectives that exist in the field right now.

If you want to look at CEO education, here's source:

https://www.study.eu/article/the-academic-backgrounds-of-the-worlds-most-powerful-ceos

https://www.forbes.com/sites/kimberlywhitler/2019/10/05/new-ceo-study-the-undergraduate-degrees-and-majors-of-fortune-100-ceos/

I commonly see economists being confused as the only ones driving where the economic culture goes, but there is a reason Finance, Business, and Accounting majors are different degrees than Economics: we all actually do very different things. We simply frequent similar topics and areas of expertise. Note that in the source above, those with a Masters in Business Administration (MBA) are the majority (54%) in North American CEOs. Believe me, there are plenty of economists that notice and don't like the way things are going, and yes, even in the arts. My undergrad was in music before I pivoted to Econ for my masters; at the very least, I notice.

The common joke within the field is we get hired and then ignored. I've heard multiple stories from my professors being hired to analyze a situation, finding a way that maximizes everyone's welfare, presenting it, and they say "Wow thanks! Here's your payment, we won't be doing that. :)"

Note though that artists *do need money*. At some point you need income to cover your costs and to be fairly reimbursed for your labor. You even deserve to make a profit if people like your work so much! The problem is when this is taken to the extreme by unrestrained companies and their executives that will cost-cut and extract every last penny of consumer surplus in the market, leaving poor quality products for a high price. Those profits then don't get used in efficient ways that benefit their employees. Generally, this is characteristic of a market failure, when regulation needs to step in (part of econ theories btw). America doesn't uhhh do that these days, and you can look at econ and political history to verify this.

Disregard for the arts is something that is not isolated to the business adjacent fields, but I believe it is cultural. Arts programs have been decreasing in public schools for a while in the States, so it shouldn't be surprising this is where it ends up. Fundamentally, we need to start prioritizing something else than profit margins for top companies as an indicator for general welfare in a country... something some economists have been pushing for for a while now.

The world is vast and complicated and nuance exists; its disregard will be a disservice to you and others. Hope this helps.

Sincerely, an Econ PhD student.

Why the media CEOs will always learn the wrong lessons

Yesterday a friend and I talked about how the entire (AAA) game industrie looked at BG3 being as popular as it is and going: "Oh, we need to produce 100+ hour games, I guess! Those sell!" Which... obviously is not why it is popular. The game is not popular because it has 100+ hours of gameplay, but because it has engaging characters, that are well-acted and that work as good hooks for the players. Like, let's face it: The reason why I so far have sunken 160 hours into this game is, because I wanna spend time with these characters - and because I wanna give them their happy endings.

But the same has happened too, just a bit earlier this year, right? When Barbie broke the 1 billion and every Hollywood CEO went: "Oh, so the people want movies based on toy franchises! Got it!" To which the internet at large replied: "... How is that the lesson you learned from this?"

Well, let me explain to you, why this is the lesson they learn: It is because the CEOs and the boards of directors at large are not artists or even engaged with the medium they produce. They mostly are economists. And their dry little hearts do not understand stuff more complex than numbers and spread sheets.

That sounds evil, I know, but... It is sadly the truth. When they look at a successful movie/series/game/book/comic, they look at it as a product, not a piece of art or narrative. It is just a product that has very clear metrics.

To them Barbie is not a movie with interesting stylistic choices that stand out from the majority of high budget action blockbusters. It is a toy movie with mildly feminist themes.

Or Oppenheimer is not a movie to them with a strong visual language and good acting direction. No, it is a historical blockbuster.

And this is true for basically every form of media. I mean, books are actually a fairly good example. In my life I do remember the big book fads that happened. When Harry Potter was a success, there was at least a dozen other "magical school" book series being released. When Twilight was a big success there was suddenly an endless number of "teen girl falls in love with bad boy, who is [magical creature]" YA. When the Hunger Games was a success, there were hundreds of "YA dystopia" books. Meanwhile in adult reading, we had the big "next Game of Throne" fad.

Of course, the irony is, that within each of those fads there might have been one or two somewhat successful series - but never even one that came even close to whatever started the fad.

Or with movies, we have seen it, too. When Avengers broke the 1 billion (which up to this point only few movies did) the studios went: "Ooooooh, so we need shared universe film series" - and then all went to try and fail to create their own cinematic universe.

Because the people, who call the shots, are just immensely desinterested in the thing they are selling. They do not really care about the content. All they care about is having a supposedly easy avenue of selling it. Just as they do not care about the consumer. All they care about is that the consumer buys it. Why he buys it... Well, they do not care. They could not care less, in fact.

So, yeah, get ready for a 20 overproduced games with a bloated 100+ hours of empty gameplay, but without the engaging characters. And for like at least 15 more moves based on some toy franchise, that nobody actually cares about.

And then get ready for all the CEOs to do the surprised Pikachu face, when all of that ends up not financially successful.

Really, I read some interviews yesterday from some AAA-studio CEOs and their blatant shock and missing understanding on why BG3 works for so many people.

Because, yeah... capitalism does not appreciate art. Capitalism does not understand art. It only understands spread sheets.

[roshmedia]

Wildfire Insurance Claims - Preparation for Residents

Living in the northwest means access to beautiful forests and mountain landscapes, but it also comes with a heightened wildfire risk, especially during drier months. With wildfires becoming more frequent and intense due to climate change, property losses have increased. If you live in a wildfire-prone area, preparation is key to safeguarding your home and finances. Understanding your insurance, preparing ahead of time, and having a plan for filing claims can make all the difference in recovering quickly. This guide will walk you through what you need to know about wildfire insurance and how to get prepared.

Know Your Insurance Coverage for Wildfires

Most standard homeowners' insurance policies cover damage from fire and smoke, including wildfires. However, since wildfires are more frequent and destructive, insurance companies are getting stricter in high-risk areas, which can mean higher premiums, coverage limitations, or even denied coverage. If you live in an area with a significant risk of wildfire, it’s essential to know your policy thoroughly, understand what it covers, and make sure you have adequate protection.

Essential Coverage Areas

Dwelling Coverage: This portion of your policy protects the structure of your home (walls, roof, and attached buildings) up to a specified limit. Ensure you have enough dwelling coverage to fully rebuild your home based on current market prices, as post-wildfire construction costs often surge.

Personal Property Coverage: This coverage protects your belongings, including furniture, electronics, clothing, and other personal items. It’s important to estimate the total value of your possessions to ensure your coverage limit matches their replacement cost.

Additional Living Expenses (ALE): ALE covers the cost of temporary housing, meals, and other living expenses if you are displaced. Check the monetary and time limits of this coverage since wildfires can lead to extended displacement times.

Alternative Policies for High-Risk Areas

If you struggle to obtain a traditional homeowners’ policy due to wildfire risk, you may be eligible for Fair Access to Insurance Requirements (FAIR) Plans or surplus lines. FAIR plans offer basic coverage for high-risk properties, while surplus lines are policies for special cases like wildfire zones. These policies vary in coverage, so it’s important to understand their limitations and any exclusions before committing.

Preparing in Advance for Wildfire Claims

In the event of wildfire damage, acting quickly and accurately is essential for a successful claim. The following steps will help you get organized and prepare the necessary information.

1. Document Your Belongings

Creating a thorough home inventory is one of the most important steps. Document each room with photos or videos, making sure to capture high-value items along with their details like brand, model, and serial numbers. You can use apps like Encircle or Sortly to streamline this process or keep a detailed spreadsheet. Back up this information digitally on cloud storage so it’s safe and accessible, even if your devices are damaged or lost.

2. Secure Important Documents

Place your insurance policy, receipts, and other critical documents in a fireproof safe, ensuring they’ll remain intact if your home is damaged. Additionally, scan these documents and keep digital copies in a secure cloud storage solution. These documents are essential for proving ownership, value, and other claim-related details.

3. Understand Your Policy Details

Take the time to fully understand your insurance policy, including any exclusions and limits. Speak with your agent to clarify questions about coverage or to discuss the possibility of additional riders for unique or high-value items. Make sure to keep updated copies of your policy so you’re aware of any recent changes in coverage.

4. Build a Relationship with Your Insurer

Developing a good rapport with your insurance provider can be helpful. Many insurers offer fire-prevention resources, such as assistance with clearing flammable vegetation around your property or providing ember-resistant vent installation. Knowing your agent’s contact information will also make communication smoother if you need to file a claim quickly.

Protecting Your Property from Wildfires

Beyond insurance, taking steps to reduce fire risk around your property is crucial. These proactive measures not only protect your home but may also reduce insurance premiums.

1. Create Defensible Space

One of the best ways to protect your home is to create a defensible space, a buffer zone that reduces the risk of fire spreading. Keep vegetation trimmed, clear dead plants, and maintain at least a 30-foot buffer zone around your house. In high-risk areas, some states recommend up to 100 feet of defensible space.

2. Use Fire-Resistant Building Materials

Whenever possible, use fire-resistant materials in your home’s construction or renovations. Roofing materials with a Class A fire rating, fire-resistant siding, and tempered glass windows offer additional protection. Adding ember-resistant vents can further safeguard your home by preventing embers from entering and igniting inside.

3. Install Fire Suppression Systems

Consider installing a sprinkler system or fire-resistant shutters to reduce fire spread. Many insurers provide discounts for these features, which add protection and may also lower your premiums. Be sure to discuss any available discounts with your insurance provider.

Filing a Wildfire Insurance Claim

If wildfire damage occurs, follow these steps to ensure a smooth claim process:

Contact Your Insurer Promptly: Notify your insurance provider as soon as possible after the fire. Many insurers allow you to initiate the claim online or via mobile apps, streamlining the process.

Document the Damage Extensively: Take thorough photos or videos of all damaged areas before any repairs are made. Use your home inventory as a reference for listing damaged items.

Keep All Expense Receipts: Keep receipts for temporary housing, meals, and other expenses, as these may be reimbursed under ALE coverage.

Prepare for the Adjuster’s Visit: An adjuster will assess the damage to estimate repair costs. Having all documentation, including before-and-after photos, will support your claim.

Final Thoughts

Preparing for potential wildfire insurance claims can seem overwhelming, but taking proactive steps will give you peace of mind and financial protection. By thoroughly understanding your policy, creating a detailed home inventory, taking steps to fireproof your home, and maintaining key documents, you can reduce the impact of wildfire risks on your property and family.

[flooddamagerestoration1]

Flood Damage Restoration In Menzies Creek-Restoring Peace Of Mind By Melbourne Flood Master

Floods can have disastrous effects, leaving Menzies Creek businesses and homeowners in shock. It's critical to locate a trustworthy partner to restore properties and peace of mind in the midst of the upheaval. This is where Melbourne Flood Master, top authority on flood damage restoration in Menzies Creek, comes in. Our company has a track record of quality and offers comprehensive solutions to mitigate flood damage, guaranteeing that properties are returned to their pre-loss state. Flood damage can have a wide range of effects, including electrical dangers, mold growth, and structural problems. Quick action is essential to stop additional damage and protect the health of the residents. Melbourne Flood Master understands the urgency and provides prompt reaction and effective solutions to address every aspect of flood damage restoration. Among our areas of competence are:

Recognizing and dealing with hidden hazards Stopping the development of mold and mildew Putting the structure back together Maintaining safety and electrical regulations You can depend on Melbourne Flood Master's commitment to quality, prompt response, and painstaking attention to detail to revitalize your property and bring you piece of mind when you entrust us with your flood damage repair requirements.

The knowledgeable staff at our firm does a thorough inspection to ascertain the complete degree of the damage after reaching the impacted property. This well-informed assessment makes it possible to create a personalized restoration plan that details the exact actions needed to minimize damage, remove surplus water, dry the building, and return damaged portions to their pre-damage state. Our knowledgeable professionals use state-of-the-art tools and methods to speed up the restoration process while maintaining an emphasis on effectiveness, quality, and safety. Using strong pumps and specialized extraction equipment, the property's excess water must be removed as the first crucial step. This meticulous procedure guarantees that all impacted areas—including walls, floors, and furniture—are free of water.

Mold development after a flood can quickly become a major issue and endanger residents' health. Understanding the importance of mold treatment, Melbourne Flood Master uses sophisticated methods to locate and eradicate mold colonies. Our staff uses EPA-approved antimicrobial treatments to disinfect impacted areas, stopping the spread of mold spores and guaranteeing a safe and healthy atmosphere. In addition to mold cleanup, flood damage can jeopardize a property's structural stability, requiring immediate reconstruction and repairs. The knowledgeable staff at Melbourne Flood Master has the tools and know-how to effectively handle structural problems. From fixing broken walls, floors, and ceilings to rebuilding whole areas of the property, our talented artisans provide superb craftsmanship and meticulous attention to detail.

It can be quite difficult to handle insurance claims during a flood, but Melbourne Flood Master makes it easier. Through careful damage recording and open lines of contact with insurance adjusters, their staff works closely with property owners. By doing this, the claims procedure is streamlined and clients are guaranteed the maximum coverage to which they are entitled. When it comes to flood damage restoration in Menzies Creek, Melbourne Flood Master is the trustworthy professional to rely on. In addition to restoring homes, they also bring back peace of mind with their all-inclusive solutions, skilled staff, and steadfast dedication to quality. Do not hesitate to contact Melbourne Flood Master for prompt, expert aid in the event of a disaster.

Call us today!

[alpinebrokeragenorth]

Top Wholesale Insurance Brokers – Alpine Brokerage

Wholesale insurance brokers act as intermediaries between retail insurance agents and insurance carriers. They specialize in providing access to insurance products that may not be available to retail agents, often in the surplus lines or specialty markets. We are brokers help retail agents place complex or high-risk policies by connecting them with insurers who offer coverage for unique or non-standard risks.https://alpinebrokeragenorth.com/

[vrcsystems]

Bridging the Gap for Remote and Hybrid Workspaces

Transform the Insurance Experience & Drive Growth

Power The Future Of Work

With the workplace undergoing a seismic shift, employees are now working remotely, in the office, or splitting their time between both. MGAs and insurance carriers need robust technology to effectively adapt, transform, and support this massive transition to remote and hybrid work environments.

Enter Verity, the Ultimate Playbook for Today’s Workplace

Verity is a performance-based policy administration system designed for MGAs and carriers, enabling your staff to deploy and manage policies from any location. It provides a comprehensive view of operations and allows employees to keep track of their work efficiently. Verity’s task management system automatically creates diaries for timely follow-ups on important assignments.

With intuitive dashboards, all tasks are easily viewable in one place. Verity simplifies redundant tasks through batch processing, streamlining activities such as automated renewals, mass cancellations, and overnight batch processing of reports.

Core Product Features

CRM

Rating Engine

Policy Issuance

Automated Renewals

Claims Administration

Billing & Accounting

Task Management

Document Management

Product Features for MGAs

We specialize in custom development around our software suite, offering:

Quoting & Policy Issuance

Surplus Lines Reporting

Carrier Reporting

Electronic Payments

Insured, Agent & Carrier Portals

Product Features for Insurers

Claims Administration

Fiduciary Accounting

1099 Reporting

Agency & Direct Billing

Reinsurance Tracking

Bordereaux Uploads

Insured & Agent Portals

Modern User Interface

VRC has invested heavily over the past six years in developing a new, modern user interface for Verity, featuring:

Browser-based application

Role-specific visual dashboards

Dynamic screen sizing

Enhanced intuitive navigation

Modernized input screens

User-selectable color themes

Flexible Architecture

Verity’s toolset allows for rapid programming with increased functionality, flexibility, and complexity. It runs on Linux/Intel hardware configured to support hardware and software hypervisors for network management and containerization, ensuring high efficiency and availability.

[cogitateus1]

Important Role Data Science And Analytics Play In E&S Markets

Data science and analytics have emerged as pivotal tools for transforming the insurance industry. It is helping to drive innovation, improve risk assessment, and boost operational efficiency, especially in the excess and surplus (E&S) sectors where traditional insurance solutions fall short. With the use of these cutting-edge analytical tools, insurers can better understand complicated and singular risks and create customized insurance plans and pricing models that better satisfy the changing needs of their customers.

Features that Define E&S Markets

High-Risk Nature: E&S markets frequently handle risks that traditional insurers would consider too high or unusual. This covers companies with a bad track record of losses, unusual business models, or a history of catastrophic incidents.

Specialized Coverage: These markets offer a wide range of distinctive insurance solutions, including excess liability, professional liability, and specialty lines of insurance that are customized to meet the needs of particular clients. They specialize in providing coverage for hard-to-place risks.

Flexibility in Underwriting: Rather than following strict rules and regulations, E&S insurers are able to underwrite policies based on the particular risks involved. This enables them to create individual insurance solutions that cater to the particular difficulties that each of their clients faces.

How can Data Science Help with the E&S Market?

Better Risk Assessment: The enormous volume of data provided by data science helps find patterns, trends, and correlations associated with certain risks, which facilitates the creation of more precise and customized risk profiles.

Predictive analytics: Data science can forecast future claims and losses by using predictive models. This allows insurers to foresee risks and take proactive steps to reduce them. Proactively managing risks can result in lower claim payouts and improved risk management.

Dynamic Pricing: Data science makes it possible to implement dynamic pricing strategies that change in real-time in response to variables, including risk profiles, consumer behavior, and market conditions. Because of this flexibility, insurers can provide customized insurance plans at a cost that accurately represents the risk involved.

Customized Coverage: Data science may assist insurers in creating insurance solutions that are tailored to the particular requirements and preferences of each client, thus increasing customer satisfaction and retention. This is done by evaluating market trends and consumer data.

Fraud Detection and Claims Processing: By automating the processes involved in claim validation and settlement, advanced analytics can expedite the claims processing process. Additionally, by identifying potentially fraudulent claims, data science techniques like anomaly detection and pattern recognition can lower fraudulent payouts and safeguard the insurer's bottom line.

The Role of Cogitate in the E&S Market

The Cogitate team recently attended the WSIA Insurtech Conference 2024, where their CEO and co-founder, Arvind Kaushal, demonstrated POCs of their insurance underwriting platforms to facilitate discussions on predictive modeling, AI and data. This Roundtable included 20 insurance executives. The POCs included:

Predicting quote to bind success probability rating

AI underwriting assistant

Prominent figures in the industry joined them to facilitate three distinct discussion topics:

Piyush Singh, director of Signal Mutual, will chair a discussion on the role of predictive analytics in the establishment of new businesses.

Insurance House CEO Jacqueline Schaendorf will host a discussion on AI's role in addressing E&S concerns.

Rachael Hudson, Vice President, Head of Data and Analytics at Bridge Specialty Group, will moderate the data priorities for 2024.

If you are interested in joining an executive round table, you can contact them to be notified about their next events.

About Cogitate

Cogitate is a digital insurance platform that constantly develops innovative technology products, especially when fulfilling the need to modernize and transform how insurance products are accessed and delivered.  They help insurance companies transform their business models to create a competitive advantage in the rapidly changing insurance industry. Their innovative insurance software solutions are helping insurance carriers, brokers, MGAs, and agents to accelerate digitalization and expand their business. Check out their website to learn more about their services.

[testbank-zone]

Test Bank For Issues in Economics Today 10th Edition By Robert Guell

Test Bank For Issues in Economics Today 10th Edition By Robert Guell

Table of Contents Issues for Different Course Themes   Required Theory Table   Chapter 1: Economics: The Study of Opportunity Cost   Chapter 2: Supply and Demand   Chapter 3: The Concept of Elasticity and Consumer and Producer Surplus   Chapter 4: Firm Production, Cost, and Revenue   Chapter 5: Perfect Competition, Monopoly, and Economic versus Normal Profit   Chapter 6: Every Macroeconomic Word You Ever Heard: Gross Domestic Product, Inflation, Unemployment, Recession, and Depression   Chapter 7: Money, Interest Rates, and Present Value   Chapter 8: Aggregate Demand and Aggregate Supply   Chapter 9: Fiscal Policy   Chapter 10: Monetary Policy   Chapter 11: Federal Spending   Chapter 12: Federal Deficits, Surpluses, and the National Debt   Chapter 13: The Great Recession   Chapter 14: The COVID-19 Recession   Chapter 15: Is Economic Stagnation the New Normal?   Chapter 16: Is the (Fiscal) Sky Falling?: An Examination of Unfunded Social Security, Medicare, and State and Local Pension Liabilities   Chapter 17: International Trade: Does It Jeopardize American Jobs?   Chapter 18: International Finance and Exchange Rates   Chapter 19: The European Union, Debt Crisis, and Brexit   Chapter 20: Economic Growth and Development   Chapter 21: Are Trade Agreements Good for Us?   Chapter 22: The Economics of Terrorism   Chapter 23: The Line between Legal and Illegal Goods   Chapter 24: Natural Resources, the Environment, and Climate Change   Chapter 25: So You Want to Be a Lawyer: Economics and the Law   Chapter 26: The Economics of Crime   Chapter 27: Antitrust   Chapter 28: Health Care   Chapter 29: Government-Provided Health Insurance: Medicaid, Medicare, and the Children’s Health Insurance Program Chapter 30: The Economics of Prescription Drugs and Vaccines   Chapter 31: The Economics of K–12 Education   Chapter 32: College Education: Why Is It So Expensive?   Chapter 33: The Economics of Sex, Race, and Ethnic Discrimination   Chapter 34: Income and Wealth Inequality: What’s Fair?   Chapter 35: Farm Policy   Chapter 36: Minimum Wage   Chapter 37: Rent Control   Chapter 38: Poverty and Welfare   Chapter 39: Head Start   Chapter 40: Social Security   Chapter 41: Personal Income Taxes   Chapter 42: Energy Prices   Chapter 43: If We Build It, Will They Come? And Other Sports Questions �� Chapter 44: The Stock Market and Crashes   Chapter 45: Unions   Chapter 46: The Economics of Big Retail: Walmart and Amazon   Chapter 47: The Economic Impact of Casino and Sports Gambling     Read the full article

[devotedlydeliciouscollection]

Strategies to Prevent Flooding in Your Home

Take these expert-recommended precautions both inside and outside your home to be ready for flooding. They'll all aid in your preparation, some of which you may do yourself and some of which call for a pro.

Discuss about grading. Make sure the area is properly graded away from the house to prevent surplus water from regularly entering your property. Utilize garden drainage options as well to manage runoff and safeguard vegetation.

Pay attention to runoff. To guarantee appropriate water drainage, keep leaves, debris, and animal nests away from gutters and downspouts. In severe weather, a little routine maintenance pays big benefits.

Consider surfaces outside. Think about front yard and backyard landscaping that reduces the amount of impermeable surfaces. Flooding can be lessened by planting native plants and erecting swales or other natural barriers to absorb excess water.

Elevate the equipment. It is advised to elevate outdoor equipment, such as heat pumps and air conditioner compressors. He continues, noting that you must confirm that the work complies with any applicable local building codes in your area.

Pay attention to the gas tanks. Install cheap ground anchors that are attached across the top of the tank with metal straps, or secure outside fuel tanks to a sizable concrete slab heavy enough to withstand the force of flooding.

Employ barriers and flood vents. Dry floodproofing prevents floodwater from entering a building by erecting a barrier, typically across doors or windows. It's critical to evaluate your property, the degree of flood danger, and your local rules prior to selecting a particular application.

Set up the sump pump. Water that builds up in crawl spaces and basements can be removed with the installation of a sump pump. Make sure the pump is installed correctly, serviced on a regular basis, and equipped with a battery backup in case of an electrical outage.

Sewer lines should be observed. In order to stop floodwater from backing up into your drains, install check valves in your sewer lines. In the event of a flood, this can lessen the chance of sewage backup. To complete the installation, use a qualified plumber.

Seal the walls. Watch out for potential entry points for water and take action to prevent it. To stop water seepage, apply waterproof sealants to the floors and walls of your basement.

Protect indoor equipment. Certain objects, including water heaters, cove security detectors and HVAC units, can be suspended from ceiling joists or placed on walls if the appliance is made for mounting and the ceiling or walls are sturdy enough to hold its weight.

Obtain an insurance. It is usually necessary to obtain a separate policy for flood damage since standard homeowners' insurance usually does not cover it. It's a means of safeguarding your house and possessions.

Not only may flooding cause damage to your house, but it can also result in injuries and even fatalities, therefore protecting it against it is crucial.

[nagarajseofreelancer]

Advantages of Renting a Warehouse

The biggest benefit of outsourcing warehouse operations is that you can focus on running your business. When in-house storage is full, peak demand is high, or a new product line is introduced, public warehousing is a possibility.

If you're still on the fence about whether or not it's the correct move for your company, here are key advantages of renting warehouse storage in Bangalore.

Possession of Useful Means:

Businesses that lease warehouse storage in Bangalore in a public facility can use the cutting-edge tools and technology used by 3PLs. A fully automated order fulfilment process, a flexible racking system, and many other features are all part of Distribution & Services' state-of-the-art warehouse management system.

Complementing the technology are highly qualified professionals who expertly deliver various logistics services. Since all employees have been trained in safe material handling practices, you can trust that your possessions will be taken and stored carefully.

A Low-Cost Method of Broadening Market Reach:

Many incidental costs are associated with expanding a business that can quickly deplete any surplus funds. Instead of spending money on building out new facilities, companies can enter new markets or expand internationally by leasing warehouse storage in Bangalore.

It is more cost-effective to outsource services like storage, distribution, and other logistical operations to expand a corporation. It enables companies to save money and reinvest in increasing their customer base.

Reduced Costs and Quicker Shipping:

Companies need help to keep up with the increasing demands of their customers for faster delivery. However, companies can use a public warehouse to meet distribution demands at a price within their means. A third-party logistics (3PL) public warehouse has a streamlined distribution system to manage all modes of transportation, from local to long-distance shipments and from trucking to shipping to air cargo.

This distribution method is automated, so it calculates the quickest and cheapest way to transport your shipment to its final destination. This distribution method cannot be matched by businesses for which distribution is not a primary focus.

Saves Room:

When a business requires more room at its headquarters, it might free up space by outsourcing its warehousing operations to a third-party provider. This rental warehouse or household storage in Bangalore helps enterprises expand without investing in a new facility. It eliminates the added expenses of property taxes, insurance, equipment, and other resources.

Flexibility:

Public warehouse leasing allows enterprises flexibility when they need it. Companies can expand or contract their operations as required because they only pay for the resources they utilise. This adaptability is particularly useful at times of high demand, such as the holidays, when many firms are already stretched thin or need more resources to meet the influx of new customers.

Conclusion:

They all know that stores see a spike in customers during the holiday season. Utilise the conveniences of a storage facility and lighten your load. Warehouse storage in Bangalore is a cost-effective option for your business because you only pay for the space you utilise. So, whether you're attempting to wrap up the year with less worry and more manageability by expanding your business, storing extra inventory, optimising your fulfilment, or just finding a place to store all of your party supplies, they can help.

[thecookgroup]

License to Thrive: How to Become a Licensed Insurance Agent

The insurance industry is renowned for its long-term and lifelong benefits. Insurance has already transformed countless lives by offering valuable financial assistance. A wide variety of insurance options are available, catering to individual preferences. Yet, it can be a source of intrigue for those curious about how to become a licensed insurance agent.

In all honesty, the role of an insurance agent is a multifaceted career. It involves persuading individuals to invest in insurance products, demanding considerable patience. However, the question remains: Is it the right fit for you? Let's explore and find out.

The Allure of a Career as an Insurance Agent

For many, an insurance career is an enticing path to explore, thanks to its many rewarding facets. Beneath its challenging exterior, the opportunity to advocate for the benefits of insurance can positively impact the world. If you aspire to become an insurance agent, it's crucial to understand the factors that contribute to the allure of this profession.

Financial Potential

Insurance agents frequently reap the benefits of a substantial professional income, primarily derived from the commissions earned through policy sales. Although this can be demanding, it acts as a powerful motivator, spurring individuals to strive for continuous growth in their earnings.

Independence

Numerous insurance agents enjoy a high degree of independence in their careers. This profession allows them to manage their schedules and tailor client interactions according to their preferences. Insurance agents can opt for online or in-person client engagement. Nevertheless, success in this field hinges on their ability to sell and perform effectively.

Helping Others

When contemplating how to become a licensed insurance agent, it's vital to recognize another gratifying facet of the profession: the opportunity to assist individuals. As insurance agents, the goal is to offer clients valuable insights and comprehensive information about insurance products.

Diverse Career Opportunities

Another advantageous aspect of the insurance industry is its flexibility, which allows insurance agents to choose from a wide array of insurance specialties. They can specialize in life, health, property, or auto insurance, aligning their career with their interests and passions.

Educational Requirements

This section guides you about what you need to know about the educational requirements in the insurance industry. While the insurance industry isn’t stringent regarding requirements, it’s worth noting that possessing specific degrees may have several advantages. 

High School Diploma or Equivalent

The initial and fundamental aspect to grasp in your journey on how to become a licensed insurance agent is the educational requirement. While a college degree isn't necessary, it offers numerous advantages that can increase prospects. The minimum educational prerequisite is attaining either a high school diploma or equivalent, such as a GED (General Educational Development.

College Degree

Like the high school diploma, a college degree is not obligatory but recommended. College degrees offer several advantages that enable insurance professionals to understand their roles better, thanks to specialized knowledge and skill sets. Some recommended college courses and majors for insurance agents include insurance and risk management, finance, economics, business administration, and more.

Licensing Process Demystified

Before you embark on the journey to secure your insurance license, paying close attention to these vital details is crucial. This section outlines the various license types and the associated licensing requirements on how to become a licensed insurance agent.

Different Types of Insurance License

Life and Health Insurance License

Property and Casualty Insurance License

Surplus Lines Insurance License

Variable Annuity and Variable Life Insurance License

Licensing Requirements

It’s worth noting that licensing requirements may differ depending on the country or state. The regulations and licensing requirements in the United States vary depending on the state. It’s best to inquire about the licensing requirements to keep you well informed. However, the typical requirements may include:

Minimum Age: In most states, individuals must be at least 18 or 21 years old to be eligible to apply for an insurance license.

Criminal Background Check: Numerous states require individuals to undergo a thorough criminal background check as part of the licensing process. 

Pre-License Education: Applicants are encouraged to complete a state-approved pre-licensing education program. The specific length and content of these programs may vary.

Examination: After completing the pre-licensing education program, candidates must pass a state-specific insurance licensing exam. It's important to remember that the format and content of this exam can vary significantly depending on the license type and state.

Application and Fees: Be prepared to include the requisite fees when submitting your application to your state's insurance regulatory agency.

Wrapping Up

Let's acknowledge the reality: the role of an insurance agent isn't for everyone. Some individuals find this profession complex and demanding. To be more specific, reaching out to people and convincing them to consider your insurance products demands patience, unwavering dedication, and a significant amount of effort. Therefore, the next time you contemplate how to become a licensed insurance agent, you must thoroughly assess the pros and cons before deciding. Discover how The Cook Group can offer you further insights into insurance and why insurance agent jobs may be the right fit for you. Visit our website today to explore the full range of our expertise.

[birdzflycom]

What Companies Are in the Finance Field in 2023?

List of some companies in Finance Field Undoubtedly, you've encountered the adage, "Currency propels the terrestrial sphere." The fiscal realm endows our pockets, safeguards corporate entities, and allocates resources for all prerequisites, alongside extravagances, we ardently pursue. If you're in pursuit of career prospects within this remunerative domain, continue perusing to unearth the identities of companies within the financial milieu and the enticements they proffer to their workforce. The financial sphere proffers a harmonious fusion of employment stability and emolument grandeur. According to the Bureau of Labor Statistics, certain vocations within finance, such as financial connoisseurs and personal fiscal guides, are poised to burgeon at rates surpassing the norm in the ensuing decade. Herein, we shall embark upon a comprehensive exploration of the most customary variants of financial establishments, and we shall pinpoint the superlative havens for financial vocation.

Types of Finance Companies

Varieties of Financial Enterprises Preceding an in-depth exposition of the financial corporate landscape, invest a modicum of time acquainting yourself with the archetypal genres of financial enterprises: - Commercial Banks: Commercial banks constitute financial emporiums that extend universal financial amenities to both individuals and corporate entities. - Central Banks: Central banks represent monetary overseers dispensing financial accommodations to governmental bureaus and the commercial banking nexus. - Cooperative Credit Unions: These credit unions are community-owned and altruistic financial cooperatives that provide services akin to those dispensed by mainstream banks. - Investment Banks: Investment emperiums procure assets and freshly minted equity stakes, subsequently vending them to investors. - Savings and Credit Pools (S&L) Associations: S&L establishments render deposit sanctuaries, mortgage advances, and financing for domestic remodeling ventures. - Assurers: Assurers formulate insurance protocols engineered to shield individuals and business entities from culpability and impairments. - Intermediary Agencies: Intermediary agencies forge connections between procurers and peddlers to consummate pecuniary transactions. They generally focus on equity shares, treasury instruments, and alternative securities. - Mortgage Syndicates: Mortgage syndicates undertake the assessment and issuance of funding for abode purchasers, leveraging their indigenous pecuniary resources. - Fiscal Mapping and Consultative Enterprises: These consultative establishments assist individuals and enterprises in formulating fiscal aspirations and allocating their assets strategically to foster affluence. Companies Pervading the Financial Sphere In the United States solo, a surplus of a million financial corporations exists, encompassing localized, statewide, regional, national, and global entities. Herein, you'll uncover insights into the most substantial financial corporations, together with the ingress points for employment prospects within these empires. Bank of America Established in 1904, Bank of America stands as a preeminent global institution in the realm of commerce and investment. Beyond traditional financial services, it extends its purview to encompass wealth management, risk assessment, and a gamut of financial products, including corporate loans, credit lines, and mortgage facilities.

What positions Bank of America as an exemplar amongst financial enterprises for employment?

The answer lies in its extensive workforce of more than 200,000 professionals spanning a diverse array of roles, spanning from tellers to call center operatives, and customer service experts. Discover career opportunities at Bank of America on Monster Capital One Capital One proudly claims its status as one of the world's premier financial organizations. Its core services revolve around consumer and corporate banking, coupled with credit-related undertakings. Moreover, Capital One distinguishes itself through a commitment to financial inclusivity, philanthropic initiatives, and a commitment to delivering top-tier customer support. For those contemplating a career with Capital One, a spectrum of opportunities awaits, ranging from customer service roles to positions in software engineering. The company's employment roster currently encompasses over 50,000 individuals. Explore career openings at Capital One on Monster American Express American Express unfurls a diverse array of credit options catering to individuals, small and medium-sized enterprises, and corporate entities. Notably, it pioneered the concept of the credit card in the United States and Canada in 1958. Presently, it offers an array of member privileges and incentives, including the redeemable Membership Miles program designed for avid travelers. Within the ambit of American Express, job seekers will encounter a wide array of positions, ranging from financial analysts to tech-savvy roles and travel consultants. Explore career opportunities at American Express on Monster Liberty Mutual Liberty Mutual, a powerhouse in the global insurance sector, revolves its ethos around sustainable growth and innovation. The corporation extends a gamut of insurance services, encompassing automobile insurance, workers' compensation, group disability coverage, property insurance, and a plethora of others. For those in pursuit of career avenues as insurance underwriters, claims adjusters, software engineers, or financial analysts, Liberty Mutual emerges as a prime destination. Discover career openings at Liberty Mutual on Monster Citigroup Ranked amongst the leading financial service providers, Citigroup proffers an extensive spectrum of offerings, including commercial banking, financial advisory services, securities management, treasury and trade solutions, and a manifold of others. Originating in New York City in 1812, Citigroup has, since then, disseminated its services on a global scale. Citigroup beckons with diverse job prospects, spanning customer service to financial consultation, and portfolio oversight. Currently, over 200,000 individuals find their vocation within the expanse of Citigroup. Explore career opportunities at Citigroup on Monster Goldman Sachs The roots of Goldman Sachs trace back to its establishment in 1869, and since then, it has risen to prominence as a premier entity in private financing circles worldwide. It carves a niche for itself in real estate financing, municipal financial management, and the global domain of equity trading. Commencing a career at Goldman Sachs is an opportunity unlike any other in the financial sphere, replete with an array of openings across its 60 global locations and remote work opportunities. Roles such as financial planning and analysis, accounting, and data science shine as popular career pathways within the organization. Discover career openings at Goldman Sachs on Monster Morgan Stanley Morgan Stanley beckons those who aspire to play a pivotal role in assisting individuals, corporations, and institutions in realizing their financial aspirations. As one of the world's largest wealth management establishments, it opens doors to careers in investment banking, financial analysis, client services, product management, and the realm of auditing. The organization's workforce spans more than 60,000 professionals, with offices dotting the global landscape. Explore career opportunities at Morgan Stanley on Monster JPMorgan Chase JPMorgan Chase, ushered into existence in 2000, commands reverence as one of the foremost financial service entities across the globe. It specializes in financial holdings and investment banking, making history by introducing mobile banking in 2010. JPMorgan Chase presents a multitude of employment prospects, ranging from entry-level roles to positions of seniority. Among them are openings in wealth management, financial analysis, accounting, auditing, marketing, and IT. It's no surprise that more than 250,000 individuals elect to pursue careers within the precincts of JPMorgan Chase. Discover career opportunities at JPMorgan Chase on Monster Fannie Mae Originally, Fannie Mae was instituted by the U.S. Congress in 1938, amidst the tumultuous Great Depression. Over the decades, it has been an instrumental force in facilitating housing financing for countless veterans of World War II and American families. In the contemporary landscape, Fannie Mae stands as a preeminent financial institution within the United States, specializing in long-term, fixed-rate home loans. Fannie Mae presents a myriad of opportunities, encompassing underwriters, property preservation specialists, IT professionals, and various other roles. With its extensive network spanning more than 50 offices throughout the United States, the organization proudly sustains a workforce exceeding 7,000 dedicated individuals. Explore Fannie Mae job listings on Monster Allstate Allstate ranks among the foremost insurance enterprises in America, heralded by its renowned motto, 'You're in good hands.' Allstate extends a spectrum of flexible insurance plans, inclusive of automobile, property, life, business, identity protection, and phone safeguard policies. The company additionally avails online and app-based policy management services. Whether you seek remote employment, aspire to a paralegal designation, or envision a career as an actuary, Allstate boasts a plethora of opportunities. The conglomerate currently nurtures an employment cohort surpassing 50,000 professionals across a diverse array of roles. Discover Allstate job openings on Monster Travelers Travelers solidifies its position as a paramount provider of both individual and corporate insurance policies. Their repertoire encompasses auto insurance, workers’ compensation, homeowners' insurance, in addition to property, casualty, and risk-management services. The organization orchestrates a national workforce exceeding 30,000 individuals, spanning departments encompassing customer service, claims adjudication, underwriting, sales, technology, analytics, and a profusion of other domains. Furthermore, Travelers offers an assortment of entry-level, remote, and advanced corporate positions. Browse Travelers' job opportunities on Monster MetLife For well over a century, MetLife has been celebrated as a vanguard in the insurance and investment sector in the United States. Their diverse array of services encompasses auto insurance, health insurance, retirement investment schemes, and an array of savings products. In the current milieu, the organization extends its services across more than 40 global markets. From entry-level to advanced designations, MetLife presents a plethora of avenues for professional growth. Bolstering its workforce with over 40,000 employees, MetLife's most sought-after positions comprise customer service roles, actuarial services, adjuster positions, and legal services. Peruse MetLife's job listings on Monster The Merits of a Career in the Financial Sector Now that we have acquainted ourselves with the entities in the finance domain, let us delve into the compelling reasons to seek employment within these esteemed establishments. Here, we elucidate four advantages that await those considering a career with top financial institutions: Lucrative Remuneration: For those in pursuit of a financially rewarding vocation, the realm of finance beckons. Gain insights into the earning potential that the financial sector affords by perusing a compilation of the most high-earning finance positions. Additionally, leverage Monster's Salary Tool to ascertain the compensation associated with specific finance roles. Merely input the job title and your location, and uncover the median salary and remuneration range. Abundant Career Trajectories: Whether you are freshly graduated in finance or an entry-level professional aspiring to ascend the corporate ladder, the financial industry unfurls an array of career avenues. Finance institutions perennially seek adept candidates to fill roles in finance, marketing, management, information technology, and the legal realm. Copious Room for Advancement: Irrespective of your point of origin in the financial sphere, the scope for professional advancement is boundless. Indeed, Monster has identified financial management as one of the finance vocations offering the most promising prospects for future growth. Exemplary Benefits: The constellation of benefits in the financial sector varies among companies. Some of the perks typical to this industry encompass annual bonuses, 401k matching, stock options, health coverage, paid family leave, reimbursement for business-related travel expenses, provisions for disability and sick leave, in addition to vacation time. Furthermore, select organizations extend offerings such as student loan assistance, tuition reimbursement, incentive programs, provision of company cars, and other inducements. Invest in Your Financial Career Today So, having acquainted yourself with the notable entities in the financial domain, you may have resolved to explore career opportunities within this sphere. How can you seize upon the multitude of prospects that the financial job market offers? As you craft your profile on Monster, you can harness the advantages of complimentary email alerts and render your resume accessible to the discerning eyes of hiring managers within financial organizations. Moreover, our extensive repository of career guidance articles stands ready to assist you on your journey in the financial sector, whether you seek to refine your resume or excel in high-stakes interviews." Read the full article