Stopping fraud: how RBS protects you

“I would like to make a payment please” says the man. He is on the line to NatWest’s telephone banking call centre and has successfully gone through the security checks. Now he wants a payment for £1,972 to be paid into the account of one of his relatives.

There is only one problem. He is a fraudster who has “vished” (voice phishing via the phone to steal credit card numbers and other sensitive information) for the real NatWest customer’s login details and the money is destined for an account he has established.
natwest
The fraudster has initially approached the genuine customer in the guise of a pay-for TV service, asking for details of the customer’s online banking and card reader details in return for a £90 payment from the TV service. The customer did not use online banking, but unwittingly surrendered sufficient details of his bank account for it to be compromised.

RBS Group operates a huge anti-fraud operation to protect customers, covering mobile, online, credit card and branch banking. Fraud prevention measures range from the every day use of chip and pin to sophisticated software which the bank provides free of charge to customers to ensure their online banking cannot be breached.

It deals with about 7,000 credit card fraud prevention cases a week and monitors accounts so that if anything suspicious occurs the customers can be put in touch with the right team.

Colin Cowan, Head of Fraud, Operational Risk for RBS Retail, says: “Our controls are strong provided customers keep their details secure.”

However, if fraudsters manage to circumnavigate these measures, the Group employs four teams of people to take customer calls 24/7 relating to suspected fraud and security issues.

And if you lose money through fraud, it need not be a disaster. Cowan says: “We refund customers who are victims of banking fraud and where they are not at fault, but customers really must be vigilant too.”

In the case of the customer above, his account was recompensed, RBS alerts stopped further fraudulent payments going through, and the customer was asked to go into his local branch with photo ID to enable the account to be activated again with new security details.

Mortgage fraud
In Greenock, Scotland, the 30 members of the mortgage fraud team check out applications that have been flagged up for further investigation. This happens either because an RBS Group mortgage underwriter has concerns or because details of the borrower, solicitor or mortgage broker involved match those filed by another lender on a database that lists people found to be or suspected of being fraudulent.

Patricia Horley, a member of the mortgage fraud team, is checking out an application made to NatWest after being rejected by another lender. It seems from the information on the database that someone has stolen the applicant’s identity, as two addresses in completely different locations exist for this person. The occupant of one address has all the normal paraphanallia of everyday life filed against his name – bill payments, a credit record and he is registered to vote. The other has nothing.

“We wrote to the customer asking for proof of identity and residence to be taken into his local branch. They have confirmed the customer is the person pictured on the ID, then scanned and sent it to us,” says Horley. She checks the ID – the customer’s passport – through an indentity verification service and decides all is fine. The customer will get his remortgage after all.

eCrime
RBS Group was the first banking organisation to provide downloadable software called Trusteer Rapport free of charge to customers. Trusteer Rapport is designed to prevent malicious software or malware from manipulating webpages, and works alongside anti-virus software and firewalls.

But Neil Fleming, a member of the RBS eCrime team, says while installing anti-virus software is a sensible measure, “banking trojans have become increasingly sophisticated, and the method which anti-virus uses to detect threats is not necessarily agile enough”.

Rapport works differently and is specifically dedicated to detecting banking trojans.

It prevents keystroke logging and screenshot capture, and locks down the browser. It checks that the banking site the customer is trying to logon to is genuine, stops the theft of login ID, passwords and other sensitive information, and prevents malware from tampering with customers’ transactions – even if the computer is infected with a trojan.

RBS Group customers have downloaded Rapport more than 8 million times since 2008.

But malware can arrive on your computer through a wide range of routes, including opening an attachment or file such as a video or picture message, through using software targeted by criminals such as Java, or by looking at the web pages of companies whose computers have been infected.

Fleming says: “They will often use the names of large name retailers or other household names and these messages may take the form of a bill for goods the customer never ordered. All part of the process to get the customer to open the file.”

However customers should not allow this to deter them from using a very convenient a secure service – provided it is used correctly. Fleming points out that several million people use RBS Group online services on a daily basis, and “the amount of fraud we see is actually incredibly low”.

Simple precautions
“The precautions customers need to take are actually very simple, and if they take them, they’ll be absolutely fine,” he adds.

Fleming suggests the following actions to help protect your computer from infection and keep your accounts safe:

  • Keep all the software on your computer up to date, especially Java, Flash and Adobe Acrobat.
  • Do not automatically open unsolicited attachments. Attacks have become much more sophisticated, so don’t assume that if a message with an attachment is correctly spelt and grammatical that it must be genuine.
  • Keep passwords unique for each service you use. This is particularly critical for email – if a fraudster gets access to your email, they have access to your life.
  • Download Rapport. It’s free, easy and quick to install and use, and could save you endless problems.
  • Do not give your login details, PINs, card reader details or any other sensitive information in response to unsolicited calls or emails. A bank would never ask for information in this way.

To find out more about the measures RBS Group takes to protect customers, visit Fraud prevention.

About NatWest

We are a member of the Royal Bank of Scotland Group (the Group).  For information about our Group of companies please visit www.rbs.com and click on ‘About Us’, or for similar enquiries please telephone 0131 556 8555 or Minicom 0845 900 5960.

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The Best Terms for Medicare Quotes Plans

People are having a hard time deciding when it comes to their health insurance plans. These plans can be very confusing especially for people who do not have enough knowledge about any insurance plan. There are a lot of terms that you need to understand in an insurance plan if you want to have the best options. People are using their health insurance every day, but majority of them does not actually understand what this insurance can offer. Aside from what it can offer to you, you need to be aware about the pitfall that awaits people with limited understanding and knowledge about Medicare Quotes. When you are looking for the perfect Medicare Quotes, you need to look at the most obvious items such as the deductible amount, monthly premium, co-pay and the drug coverage. There are other terms that are vital for everyone to know and to understand. Oftentimes, it has bigger impact on your financial status than those generally known terms.

The co-insurance is the percentage that the health insurance company pays after you have paid for your deductible. This percentage is commonly represented as 80/20, 50/50 or 70/30. It means that the company will pay 80%, 70%, or 50% of your bill right after the deductible was net, and you have to pay the remaining amount. Now, do not be too excited thinking that you will save a lot of money, there are certain policies regarding co-insurance maximums and it is called stop-lost limits. This kind of limit will keep the part of the amount paid by you. Co-insurance maximum is the maximum amount you need to pay right after you have met your deductible. It is easier if you will just add the co-insurance and you’re deducible. Another important thing that you need to consider in Medicare Quotes is the lifetime maximums.

This is the amount that they need for a lifetime. For example, if you have $3,000,000 lifetime maximum and you have consumed this maximum amount, the policy will already be terminated. Unfortunately, there are lots of companies that only offer small lifetime maximums within their policies in order for them to keep the cost down. Some people may think that the lower the premium the better the deal. It is important for every family to have a health insurance to depend on.

Later on these people will find out that they have already consumed their lifetime maximums and do not have anything left when they the Medicare Quotes the most. It is very difficult for ordinary people to quickly understand all crucial terms and policies within each Medicare Quotes. Above information will help you make any comparison regarding the insurance plan that you need. This will aid you in making a more informed as well as educated decision when you look for perfect health insurance plans. The best term is the one that can provide you with the right protection against paying hefty amount regarding your healthcare needs. Read each term offered carefully and compare each one of them.

Top 10 Insurance Plans – Get Free affordable individual health insurance quotes from the better carriers with low-cost rates for individual/families and self-employed. For more details visit http://www.top10insuranceplans.com

Contact Information –
Name – David Warn
URL – http://www.top10insuranceplans.com

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Locate for Health Insurance Quotes Suitable for you

Finding the right health insurance quote that is suitable according to individual needs is important because people nowadays are suffering from different kinds of health issues. Health condition should be treated properly and with the right medical service. There are several ways on how people can acquire health insurance that is perfect for you. The most effective way to acquire the best health insurance according to your own needs is to make several comparisons.Are you in need of a good and comprehensive healthcare plan? Well, everybody does. It is important for you to start locating for potential health insurance according to your own medical condition. Even if you do not have an existing medical condition, you need to start investing in comprehensive and good insurance. It is important and useful, if you will create your own list of plans to help you decide for a particular health insurance quote appropriate for your own needs. A short list of plan will provide you with greater options and smarter choice.

It is vital for every individual to find specific health insurance quote that will work for your own benefit. There are actually an overwhelming number of insurance policies available in the market today. You need to be aware that not all of these health insurances policies can provide a comprehensive and good service to people. You will discover that some are just interested in collecting money from people like you that do not have the right knowledge when it comes to health insurance policy. This kind of situations are not surprising because lots of health insurance services falter when it comes to covering medical expenses of people. Just like looking for other consumer items, there is also a need for you to shop around for good deal of health insurance. Treat this task as a shopping experience. You need to locate for products that would be if great help for you. As you ship around, you will encounter and realize health insurance quote and services that sound good at first, but are actually poor when it comes to its coverage. You will also find health insurance quote coverage that will best suit your needs.

Actually, there is no better way for anyone to locate for a good deal of health insurance policy, but compering each one of them is huge help. By doing this, you can gather as many quotes as you want from different healthcare plan providers. You can easily compare each one of them according to price and services they offer. Just like any other consumer, you will surely be particular about the amount of services. Majority of people nowadays want quality service for their hard earned money. Another important benefit of comparison is the opportunity to compare terms and conditions of a particular health insurance. It is not enough to gather feedback from different people. You need to find it for yourself in order to locate health insurance quote that is right for your needs. Help yourself and find comprehensive health insurance for your own medical condition.

Health Insurance Quotes – Get Free affordable individual health insurance quotes from the better carriers with low-cost rates for individual/families and self-employed. For more details visit http://www.top10insuranceplans.com

Contact Information –
Name – David Warn
URL – http://www.top10insuranceplans.com

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Health Insurance Prices According to Modern Times

Health care is one of the most essential things that a person needs to have. Health insurance price vary because of so many factors and these factors at times can hinder a person from not getting the right insurance they need. Everyone is just so susceptible to accidents and ailments, this simply means that accidents can happen anytime and people may get sick often without their awareness. The factoring method just signifies how bad the world economy is and a lot of times medical costs gets so high during the past years along with hospital bills. These are some of the reasons why getting a proper health insurance is really essential.

There are times when getting the right health insurance can be dependent on your age, time the insurance was acquired, health conditions, job, residence and income. The patient protection and affordable care act in the US is one of the most significant news in the world history these days. It became a law on March 2010 and this allows people to get lower health care insurance plan. Those who need to acquire the right health insurance coverage won’t have a hard time acquiring their needs through this law. There are lots of factors that affect health care cost and here are some of them for your reference:

You need to know that any type of health insurance plans have premiums which you need to pay every month for you to enjoy the health coverage you just acquired. Once the health insurance plan has been handed out to you, you need to pay for it because it will now be your responsibility. A lot of times, health care insurance contains deductibles which you need to pay out of your own money before you can use your health insurance plan. Coinsurance usually contains the percentage of payment that just adds to insurance prices and you just have to pay for a particular amount whenever there are extra. This only means that if your health insurance cost $2000 and your coinsurance is 10%, you only need to pay $200 before you can use it.

The family history of a person is also important to determine health insurance premiums. A lot of times, the insurance company will request for medical checkup and medical history documents to assess the application easily. There will be forms you need to fill up before you will be granted with the health insurance you are buying. What you can do is to answer all their questions and be honest at all times. By doing this, you will be able to find the right health insurance and company that will meet your needs when it comes to healthcare.

These are just some of the things that will be helpful to you. Normally, health care plans are personalized to meet everyone’s health concerns since no 2 persons have the same case. What you can do is to get health insurance quotes and compare one company to the other. By doing this, you can easily choose the right health insurance for your needs.

Health Insurance – Get Free affordable individual health insurance quotes from the better carriers with low-cost rates for individual/families and self-employed. For more details visit http://www.top10insuranceplans.com

Contact Information –
Name – David Warn
URL – http://www.top10insuranceplans.com

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Bancassurance in Indonesia Life, Non-Life and Creditor Insurance

Drawing on the results of a survey of 66 banking entities in Indonesia, the study verifies the percentage of organisations investigated that distribute each of the following 13 types of insurance: accident insurance, creditor insurance related to consumer finance, creditor insurance related to credit cards, creditor insurance related to mortgages, critical illness insurance, health / hospital cash plans, household insurance, income protection insurance, investment-related life insurance, medical expenses insurance, personal motor insurance, retirement savings, and risk life insurance.

For those banking entities that are active in one or more of these fields, the reports ascertain the operating models that they use to source the type of insurance in question (e.g. external, joint venture or captive underwriters) and the identity of the specific providers used. This information is then displayed in terms of the weighted share of partnerships of these providers, which takes into account the number of retail customers of the partner banking entities, thus highlighting those insurance companies that hold the distribution relationships that offer the most potential.

You may be able to use this report, plus the PartnerBASE™ dataset and market data annexes that accompany it, in one or more of the following ways:

– gain access to a source of information that provides a comprehensive overview of the provision of personal insurance products by all significant banking entities in Indonesia;

– identify partnership opportunities for the same personal insurance products that may arise either because a banking institution is not currently active or because there is scope for replacing an existing initiative;

– understand which underwriters and other product providers have been successful in establishing distribution relationships with the most important banking entities in Indonesia;

– assess how the evolving regulatory environment may open up or block opportunities for your organisation to sell through the bank distribution channel;

– appreciate the magnitude of the opportunity to sell personal insurance products through banks and other lending institutions in Indonesia.

Overall, in a market in which bancassurance claims a distribution share of over 40% in life insurance and over 10% in non-life insurance, across the 66 banks and other lending institutions researched in Indonesia, Finaccord’s research identified 277 bancassurance distribution initiatives for the various types of insurance investigated.
0.0 EXECUTIVE SUMMARY

1.0 INTRODUCTION
What is this report about?
Distribution partnerships with banks and other lending institutions constitute the focus of this report
Rationale
Bancassurance has become the most important distribution channel for life insurance in Indonesia
Methodology
Survey of banks and other lending institutions
Market data
Definitions
Investment-related life insurance
Retirement savings
Risk life insurance
Critical illness insurance
Income protection insurance
Accident insurance
Health / hospital cash plans
Medical expenses insurance
Personal motor insurance
Household insurance
Creditor insurance
Mortgages, consumer finance and credit cards
Weighted provider share of partnerships
Operating models
Abbreviations and exchange rates
PartnerBASE™ and market data annexe
Finaccord

2.0 MARKET BACKGROUND
Banks and other lending institutions covered
Economic background
Indonesia’s economy benefits from a young population and rapid urbanisation…
… and has tended to recover swiftly from economic crises…
…meaning that it is now well-positioned for further growth
Indonesia occupies a lowly position in the World Bank’s Ease of Doing Business Index
Introduction to the banking sector

For more information kindly visit : http://www.bharatbook.com/market-research-reports/insurance-market-research-report/bancassurance-in-indonesia-life-non-life-and-creditor-insurance.html

Or

Contact us at :

Bharat Book Bureau
Tel: +91 22 27810772 / 27810773
Toll Free No for USA/Canada : 1-866-279-8368
Email: info@bharatbook.com
Website: www.bharatbook.com
Follow us on twitter: https://twitter.com/researchbook
Follow us on Linkedin : http://www.linkedin.com/company/bharat-book-bureau
Our Blog : http://blog.bharatbook.com/

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Extended Warranties and Insurance for Mobile and Non-Mobile Consumer Products in the USA

The study draws on extensive primary and secondary research covering 276 organisations involved in the production and distribution of mobile and non-mobile consumer products including manufacturers, mainstream mobile network operators, mobile virtual network operators (MVNOs), specialised retailers of consumer electronics, supermarkets and other types of retailer (namely, department stores, DIY / furniture / home outlets, speciality retailers and variety retailers). Hence, it provides a comprehensive overview of this activity across the US, which is the world’s largest market for extended warranties and related insurance.

Key features of this publication include:

– quantification of the market size for extended warranties and insurance linked to mobile and non-mobile consumer products: how much is the market likely to be worth in the US, and how does it segment between white goods, brown goods, grey goods, mobile gadgets and mobile phones?

– analysis of extended warranty underwriters and brokers that have established scheme relationships with manufacturers and retailers of white goods, brown goods, grey goods, mobile gadgets and mobile phones, including their unweighted share of partnerships;

– consideration of the potential for cross-selling stand-alone extended warranty and insurance policies through independent channels that are separate from either manufacturers or retailers: to what extent has this form of distribution developed in the US?

– forecasts for the market size for extended warranties and insurance linked to mobile and non-mobile consumer products up to 2016: assuming no significant changes in the number of manufacturer and retailer schemes, what factors will cause this sector to grow or decline in the next few years?

0.0 EXECUTIVE SUMMARY

1.0 INTRODUCTION
What is this report about?
Rationale
The market for extended warranties and insurance for consumer products has been little studied
Evolving distribution channels both favour and compromise extended warranty provision
Methodology
Manufacturer and retailer survey
The survey’s scope covers 276 manufacturers and retailers of mobile and non-mobile consumer products
Market data
Distribution channels for retailers
Most distributors of consumer electronics in the US operate mixed retail models
Definitions
Extended warranties and insurance
Extended warranties and insurance linked to consumer products come in a variety of formats…
…and are frequently marketed to consumers under alternative titles
Premiums and other revenues
Operating models
PartnerBASE™ and market data annexe
Finaccord

2.0 WHITE GOODS
Introduction
Underlying market value and volume
The value and volume of sales of white goods has increased only slightly in recent years
Manufacturers’ original warranty length and consumer law
More than two thirds of manufacturers offer only one-year warranties for white goods
Manufacturer schemes for extended warranties and insurance
More than 40% of manufacturers of white goods in the US maintain an extended warranty program…
…with Assurant holding the most partnerships in this field
Assurant secured total extended warranty premiums of USD 1.47 billion in the US in 2011
Retailer schemes for extended warranties and insurance
Around three quarters of retailers of white goods have developed extended warranty schemes…
… with AmTrust identifiable as the most frequently used warranty and service specialist
In the wake of funding from Bain Capital, SquareTrade reported rapid growth in 2012
Assurant and NEWAsurion also fill roles as prominent external providers for white goods cover
Sears Protection Company serves as captive provider to two different brands in the Sears group…
…while a significant proportion of retailers operate internally-administered schemes
Risk coverage of all schemes for extended warranties and insurance
Extended warranties for white goods are focused mostly on cover for breakdown
Independent distribution channels
Several independent extended warranty options are available to US consumers…
… and ‘home warranties’ are important in the context of the white goods market
Market value for extended warranties and insurance
Market forecasts to 2016
The white goods market is forecast to experience modest growth through to 2016…
…which will help boost the market for extended warranties

3.0 BROWN GOODS
Introduction
Underlying market value and volume
The value and volume of sales of brown goods both declined between 2008 and 2012
Manufacturers’ original warranty length and consumer law
Almost all manufacturers of brown goods offer only a one-year original warranty
Manufacturer schemes for extended warranties and insurance
Most manufacturers with extended warranty schemes administer these internally
Retailer schemes for extended warranties and insurance
Over two thirds of retail chains selling brown goods promote related extended warranties…
…with the partnerships very similar to those observed for warranties for white goods
SquareTrade provides coverage for several national retailers…
…while Best Buy and its subsidiary use Chartis in addition to in-house service provision
Risk coverage of all schemes for extended warranties and insurance
Around one in ten extended warranty schemes for brown goods include cover for accidental damage
Independent distribution channels

 For more information kindly visit : http://www.bharatbook.com/market-research-reports/insurance-market-research-report/extended-warranties-and-insurance-for-mobile-and-non-mobile-consumer-products-in-the-usa.html

 Or

Contact us at :

Bharat Book Bureau
Tel: +91 22 27810772 / 27810773
Toll Free No for USA/Canada : 1-866-279-8368
Email: info@bharatbook.com
Website: www.bharatbook.com
Follow us on twitter: https://twitter.com/researchbook
Follow us on linkedin : http://www.linkedin.com/company/bharat-book-bureau
Our Blog : http://blog.bharatbook.com/

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Bancassurance in India Life, Non-Life and Creditor Insurance

Drawing on the results of a survey of 72 banking entities in India, the study verifies the percentage of organisations investigated that distribute each of the following 13 types of insurance: accident insurance, creditor insurance related to consumer finance, creditor insurance related to credit cards, creditor insurance related to mortgages, critical illness insurance, health / hospital cash plans, household insurance, income protection insurance, investment-related life insurance, medical expenses insurance, personal motor insurance, retirement savings, and risk life insurance.

For those banking entities that are active in one or more of these fields, the reports ascertain the operating models that they use to source the type of insurance in question (e.g. external, joint venture or captive underwriters) and the identity of the specific providers used. This information is then displayed in terms of the weighted share of partnerships of these providers, which takes into account the number of retail customers of the partner banking entities, thus highlighting those insurance companies that hold the distribution relationships that offer the most potential.

You may be able to use this report, plus the PartnerBASE™ dataset and market data annexes that accompany it, in one or more of the following ways:

– gain access to a source of information that provides a comprehensive overview of the provision of personal insurance products by all significant banking entities in India;

– identify partnership opportunities for the same personal insurance products that may arise either because a banking institution is not currently active or because there is scope for replacing an existing initiative;

– understand which underwriters and other product providers have been successful in establishing distribution relationships with the most important banking entities in India;

– assess how the evolving regulatory environment may open up or block opportunities for your organisation to sell through the bank distribution channel;

– appreciate the magnitude of the opportunity to sell personal insurance products through banks and other lending institutions in India.

Overall, in a market characterised by the involvement of over 20 joint venture underwriters, across the 72 banks and other lending institutions researched in India, Finaccord’s research identified over 500 bancassurance distribution initiatives for the various types of insurance investigated.
0.0 EXECUTIVE SUMMARY

1.0 INTRODUCTION
What is this report about?
Distribution partnerships with banks and other lending institutions constitute the focus of this report
Rationale
Bancassurance is the most rapidly growing distribution channel in India
Methodology
Survey of banks and other lending institutions
Market data
Definitions
Investment-related life insurance
Retirement savings
Risk life insurance
Critical illness insurance
Income protection insurance
Accident insurance
Health / hospital cash plans
Medical expenses insurance
Personal motor insurance
Household insurance
Creditor insurance
Mortgages, consumer finance and credit cards
Weighted provider share of partnerships
Operating models
Abbreviations and exchange rates
PartnerBASE™ and market data annexe
Finaccord

 For more information kindly visit : http://www.bharatbook.com/market-research-reports/insurance-market-research-report/bancassurance-in-india-life-non-life-and-creditor-insurance.html

 Or

Contact us at :

Bharat Book Bureau
Tel: +91 22 27810772 / 27810773
Toll Free No for USA/Canada : 1-866-279-8368
Email: info@bharatbook.com
Website: www.bharatbook.com
Follow us on twitter: https://twitter.com/researchbook
Follow us on linkedin : http://www.linkedin.com/company/bharat-book-bureau
Our Blog : http://blog.bharatbook.com/

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Elite Contractors Insurance of San Diego Showcases Its Brand New Custom Virtual Insurance Office and Digital Marketing Campaign

San Diego, California – May 25, 2013 – San Diego insurance agency, Elite Contractors Insurance, is excited to showcase its brand new and improved website and interactive digital marketing campaign. This up and coming way of marketing is designed to enhance the way the agency connects with, markets to and serves its clientele.

At Elite Contractors Insurance, it is a priority to match clients with the most comprehensive and affordable insurance solutions. Serving the state for over 5 years, the agency is ready to offer its products and services in a new light. The main purpose of the agency’s new website, http://www.elitecontractorsins.com/ , is to make the online shopping experience both simple and educational for prospective and current clients.

The website is divided into separate categories, making it much easier for online insurance shoppers to find exactly what they need. The agency offers professional insurance products, such as California Contractor Bonds. It also specializes in a wide variety of commercial insurance services, including the basics (workers compensation, liability, etc.) and the unique (motor vehicle surety bond, car and auto dealer bond, and more.)

Elite Contractors Insurance is dedicated to providing business owners with the most affordable and comprehensive solutions possible. To learn more about the agency and its services, fill out a free quote form online or get social with them on various social media sites. Those interested can also give the agency a call by dialing (877) 331-9149. The agency is pleased to move forward with this initiative and cannot wait to share the excitement and experience with the rest of its clientele and prospective clients.

About Elite Contractors Insurance:

We are backed by over 100 carriers who support your needs as well. By establishing great relationships throughout the years we have been able to secure quite an extensive market base to support our client’s needs. Customer Service is our #1 goal & we have not done our job until you are completely satisfied.

Our agency also offer’s Surety Bonds of any type with the exception of “bail bonds”. There are over 20,000 different types of bonds out there & our goal is to find you the best possible price for the type of bond you are looking for.

http://www.elitecontractorsins.com

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Rreinsurance.net Reveals the Peculiarities of Insurance Market

Though people do their best to control each aspect of their lives, there are situations we cannot predict. Indeed, life is very unpredictable and no one knows what difficulties are awaiting us. However, this does not mean you should sit and wait till difficulties ruin your life. Every self-respecting person must be prepared to meet all quirks of fate with dignity. Taking safety measures is especially crucial if you have a family which you want to protect. The best way to protect your family or belongings is to purchase an insurance policy.

Modern people seem to insure virtually everything they have, including pets. While insuring property, health or life you can receive a decent monetary compensation for the sustained injuries or losses. Of course, this compensation will not bring back your health or loved one, but you will still have money for improving your health or living a decent life (in case you lose a breadwinner). Getting adequate compensation for the sustained losses is important. However, purchasing an insurance policy is not enough, because the key of successful insurance is the right choice of the insurer and coverage protection plan.

The competition on the modern insurance market is rather tough. The number of insurance providers and services they offer is really impressive. Thus, many people looking for a suitable insurance plan get confused and invest money in the wrong coverage protection plan. To invest money in the right insurance policy and therefore to get a decent compensation on the insured accident it is necessary finding a reliable insurer offering excellent services and reasonable rates. You will make this task easier by visiting Rreinsurance.net. This company provides comprehensive information about various types of insurance plans and can help find the one that will meet your budget and current requirements. By visiting this website, you will find answers to all your questions.

On the top of that, Rreinsurance.net can help individuals trying to enter the insurance market in the role of insurance agents, advertise their companies or personal services. Insurance market is getting more and more profitable, because an increasing number of people realizes the importance of timely insurance. Thus, if you want to enter this successful and profitable market pay a visit to Rreinsurance.net. Here you will find useful information and recommendations that will help you find a prestigious job and become a successful insurance agent. You will also get an opportunity to read the latest news or post your own news and articles about your own agency. To do this you need to visit this http://www.preinsurance.net/?do=feedback feedback page.

Whether you want to protect your life, health, vehicle, property, etc., or want to enter this market as an insurance agent, Rreinsurance.net will help find answers to your questions and make the right decision that may greatly influence your future life.

About the company

If you want to learn more about modern insurance market pay a visit to Rreinsurance.net. This website contains lots of useful information that will help discover all peculiarities of insurance protection – http://www.preinsurance.net/?do=feedback

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I’m an Expat… Get Me Out of Here!

Moving overseas to live and work can be an exciting time, but expats can find themselves facing a number of issues that will make or break them quickly, here are the most common challenges according to the survey.

Loneliness:

Leaving your friends and family behind can be difficult, facing new challenges on your own can be overwhelming. This is the biggest challenge for expats according to NowCompare and it is the main reason people will end up returning to their home country.

This is not only the case for single travelers but also for those who are moving overseas with a spouse or partner that is unable to work in the new location.

Statistics show that this can cause a dramatic increase in the number of people suffering from depression and or physical illness but it doesn’t have to be this way. Making friends is not always easy but it is important to remember that there are others in the same situation and newcomers to the expat life will be able to join social groups and clubs when they arrive overseas.

Cross-Cultural Communication:

Language barriers and cultural differences can be a cause of much frustration. It is quite often the case that expats celebrate these in the initial stages of living overseas, however, once the honeymoon period is over and it is back to a normal everyday lifestyle, these can become quite challenging.

It is the simple things like buying a telephone, setting up a bank account or even discussing matters with local service providers that can become complex, time consuming activities. And as time goes by the cultural views, personalities and the ways in which things “just are” can start to gnaw away at the nerves of an expat.

Home Comforts:

Everybody has that “thing they do”, whether it’s a television program they watch, a bar they go to, a sports team they support or a specific brand they like to treat themselves too every once in a while.

As an expat, it is likely that at least one of those “things” if not all will be unavailable to them whilst overseas. Inevitably expatriates will develop new habits as they immerse themselves into their new environment, however, nostalgia will set in and the home comforts will be seen as “the good old days”.

It is said that expats go through a number of stages of cultural integration from fascination to frustration to acceptance before ultimately returning home. Today, 90% of expats will return home within seven years of their initial arrival; it is how they progress through these stages and how they engage with the cultural differences that will ultimately determine their experience.

NowCompare, the expat insurance website has carried out a survey of the challenges expatriates face once they have reached their destination. For more information, please visit : https://www.nowcompare.com

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