Reinsurance Business Essays - Types Of Insurance, Reinsurance

Reinsurance Business Portion SHARE REINSURANCE AGREEMENT DWVD NO. 900804 for Essential COLLEGE ACCIDENT AND SICKNESS Clinical EXPENSE INSURANCE (hereinafter alluded to as the Agreement) made and gone into by GERBER LIFE INSURANCE COMPANY White Plains, NY (hereinafter alluded to as the Company) what's more, PHOENIX HOME LIFE MUTUAL INSURANCE COMPANY Enfield, CT (hereinafter alluded to as the Reinsurer) Successful: January 1, 1999 - December 31, 1999 Chapter by chapter guide ARTICLE I ? Gatherings TO AGREEMENT 1 ARTICLE II ? Premise OF REINSURANCE 2 ARTICLE III ? Maintenance AND LIMIT 3 ARTICLE IV ? INURING REINSURANCE 4 ARTICLE V ? FACULTATIVE REINSURANCE 5 ARTICLE VI - EXCLUSIONS 6 ARTICLE VII ? Successful DATE AND DURATION OF AGREEMENT 7 ARTICLE VIII ? REINSURANCE PREMIUMS 8 ARTICLE IX ? PREMIUM REPORTS 9 ARTICLE X ? Surrendering ALLOWANCE/EXPENSES 10 ARTICLE XI ? Money 11 ARTICLE XII ? Cases NOTIFICATION 12 ARTICLE XIII ? Cases SETTLEMENT AND AUDIT 14 ARTICLE XIV ? EXTRA CONTRACTUAL OBLIGATIONS 15 ARTICLE XV ? SUBROGATION 16 ARTICLE XVI ? Recompense 17 ARTICLE XVII ? Cases FUND 18 ARTICLE XVIII ? Counterbalance 19 ARTICLE XIX ? Region 20 ARTICLE XX ? OVERSIGHTS 21 ARTICLE XXI ? ACCESS TO RECORDS 22 ARTICLE XXII ? Bankruptcy 23 ARTICLE XXIII ? Discretion 24 ARTICLE XXIV - CONTROLLING LAW 25 ARTICLE XXV ? SEVERABILITY 26 ARTICLE XXVI ? Unapproved REINSURERS 27 ARTICLE XXVII ? Duties 29 ARTICLE XXVIII ? Government EXCISE TAX 30 ARTICLE XXIX ? Classification 31 ARTICLE XXX ? Whole AGREEMENT 32 ARTICLE XXXI ? Middle person 33 ARTICLE XXXII ? EXECUTION 34 ARTICLE I ? Gatherings TO AGREEMENT This Agreement is exclusively between the Company and the Reinsurer and the presentation of commitments of each gathering under this Agreement will be rendered exclusively to the next gathering. In no occasions will anybody other than the Company or the Reinsurer have any rights under this Agreement aside from perceiving the Company has the sole duty regarding the assessment and arrangement of the Underwriting Manager, Managed Care Concepts of Delaware, Inc. (MCCI). Further, it is concurred that Associated Accident and Health Reinsurance Underwriters (AAHRU), a taking an interest Reinsurer, is regarded to be the Lead Reinsurer. In that limit, all activities of the Lead Reinsurer will be made to the greatest advantage of this Agreement and official upon the different reinsurers. Should the Company delegate another Underwriting Manager, the Reinsurer must affirm any adjustment in the Underwriting Manager, in any case the Reinsurer has the privilege to drop at the hour of progress. This Agreement will be authoritative upon the gatherings, their beneficiaries, and replacements, assuming any. ARTICLE II ? Premise OF REINSURANCE On and after the successful date of this Agreement, the Company will surrender and the Reinsurer will acknowledge as reinsurance, a Quota Share parcel, as appeared inside ARTICLE XXXII ? EXECUTION, of the obligation on approaches, covers, agreements or understandings of protection, hereinafter alluded to as strategies, gave or restored by the Company on or after the viable date of this Agreement and guaranteed for and for the benefit of the Company by the Underwriting Manager and delegated Basic College Accident and Sickness Medical Expense Insurance, as portrayed beneath: Fundamental College Accident and Sickness Medical Expense Insurance: Abundance of all other legitimate and collectible protection gave to the qualified understudies (different classes including, residential undergrad, local alumni and remote understudies) and their qualified wards. On the off chance that the qualified understudy doesn't have essential protection, this arrangement will be essential. A few plans might be composed on an essential reason for which advantages will at that point be facilitated with some other arrangement where the understudy is secured as a ward. Premiums must be paid before protection is in power and legitimate. The greatest advantage per individual secured safeguarded is $500,000. ARTICLE III ? Maintenance AND LIMIT The Reinsurer consents to acknowledge a fixed extent of 85% of the first $500,000 per individual per hazard for all business subject to this Agreement. The Company consents to hold for its own record 15% of the first $500,000 per individual per chance for business subject to this Agreement. ARTICLE IV ? INURING REINSURANCE Inuring Reinsurance ? The Company and the Reinsurer consent to buy abundance of misfortune reinsurance that guarantees to the advantage of all essential standard offer members of this bargain for all per individual dangers that surpass $500,000. The price tag and reinsurance security to be endorsed by the Company and Lead Reinsurer. Should worthy reinsurance not be accessible, the Company and Lead Reinsurer will update this Agreement likewise. ARTICLE V ? FACULTATIVE REINSURANCE For business that doesn't meet

Mr Essays - Personality Traits, Personality,

It is difficult to decide whether character changes over our life expectancy through verbal activities and psychological reviewing. Discussions and studies dropped by to demonstrate their stands regarding the matter, where investigations and examination of character changes are tried across different phases of the existence cycle. Most quite, longitudinal inquires about on youthful adulthood are being contrasted with those in adulthood and mature age to certify that character steadiness is flimsy at first before fixing itself in the propelling years. As referenced already, character for the most part changes in youthful adulthood because of experiences that presented individuals to new happenings in life, for example, going to class and working in another condition. (Arnett, 2000; Erikson, 1963; Helson, 1983; White 1996). Costa Fraley, R. C.; Roberts, B. W.; Trzesniewski, K. H., 2001). Four kinds of character solidness and changes are utilized for studies to decide character dependability for youthful grown-ups. It is chiefly Normative Change; Rank-request Stability; Structural Stability and Ipsative Stability (eg. Squares Caspi Mortimer, J. T., Finch, M.D., Kumka, D. S. 1982). Under Normative Changes, a few examinations followed intently on character changes from immaturity through youthful adulthood. Dominant part of the investigations concentrated mostly on Openness to Experience, one of the components of the Big Five. Stewart (1964) led a multi year longitudinal investigation of Berkeley understudies and found a lessening in absolutism in like manner a raise in desire and inventiveness. Sanford (1956) found that Vassar College understudies turned out to be not so much wary but rather more receptive. Subsequently numerous qualities identified with Openness of Experience floods during youthful adulthood (Robin et al, 2001). Taking a gander at the following segment of the Big Five, Conscientiousness, Haan. N., Millsap, R. and Hartka, E. (1986) found an expansion in faithfulness in both genders age 17 to 30 years of age. Helson and Moane (1987) uncovered an ascent in forbearance in youthful adulthood. Blended longitudinal examinations in youthful adulthood were directed to discover the level of Extraversion in them. Stewart (1964) watched an expansion in matchless quality and extraversion in a gathering of understudies. Correspondingly, Carmichael and McGue (1994) took in an ascent in extraversion in an investigation of twins from ages 16 to 35. In any case, the most consistent decision will be the unaltered positive feelings during school years. Nichols (1967) found no adjustment in pleasantry and Haan et al (1986) noticed no adjustments in assurance in youthful adulthood. From the above models, longitudinal research to date shows that Extraversion remains generally unaltered in youthful adulthood (Robin et al, 2001). Conversely, investigations of Neuroticism yielded results that show either no adjustment in the characteristic or a diminishing in it. Nichols (1967) couldn't discover any adjustments in the degree of pain. No progressions were watched for joy (Roberts Viken et al, 1994). Different investigations indicated that change of youthfulness to youthful adulthood is recognized by the addition in self-acknowledgment (Stein et al, 1986) and affectability towards others (Carmichael Watson and Walker, 1996). In spite of the blend of results, there are extraordinary measure of proof which backs the speculation that neuroticism diminishes in school goers (Robin et al, 2001). A couple of studies were done comparable to Agreeableness. Haan et al (1986) revealed diverse adjustment arrangement for people in early adulthood. Men will in general experience bringing down of warmth while ladies will show greater neighborliness towards others. In another investigation directed by McGue et al (1993), there was a drop in threatening vibe from grown-ups old enough 20 to 30 years. The measure of longitudinal proof proposes an expansion in Agreeableness in youthful grown-ups. Concurring with that point, cross-sectional research shows that understudies are probably going to have diminished Agreeableness than more seasoned grown-ups (e.g., Costa and McCrae, 1994b). In general, past research on character change during youthful adulthood bolsters the speculation that Openness to Experience,

Statical Data in a Business Essay Example | Topics and Well Written Essays - 500 words

Statical Data in a Business - Essay Example A focal stop is set up, where all the cleanser that is fabricated by the two plants is sent and combined. Following a cautious examination, the creation supervisor built up that 10% of the cleanser produced in Florida and 5% of the cleanser made in Texas is defective and henceforth can't be utilized. It is additionally realized that when the organization sells broken items, its altruism is corrupted and the expense of supplanting the flawed item is high. The creation chief thinks that its judicious to apportion these expenses sensibly between the two creation offices. This distribution requires information on the likelihood that a specific creation line will deliver defective cleanser. Specifically, the creation director should look for answers to the accompanying inquiries: To discover the answer for this issue, a likelihood work is developed, whereby, F represents the occasion that a unit of cleanser is broken. At the end of the day, the creation supervisor knows about the accompanying? It is at this point realized that 40% of the cleanser is created by Florida plant and 60% from Texas. All things considered, P (Florida) = 0.40 and P (Texas) = 0.6. Utilizing Bayes’ Theorem, the accompanying likelihood from every creation line is introduced: These probabilities infer that 57.14% of the broken expense ought to be appointed to the Florida plant and 42.86% relegated to the Texas plant. It is outstanding that P (F) speaks to the likelihood of the defective cleanser. This likelihood can be spoken to as follows: The creation chief has applied Bayes’ hypothesis to make a reasonable technique for distribution cost that is related with creation of damaged items between the two creation offices (Peebles, 1993). Despite the fact that the creation supervisor was not sure of the specific cost that originates from each plant, the probabilities have been shaped without predisposition. In this way, the organization will be progressively definitive while distributing these expenses between

Themes in Song of Roland - Literature Essay Samples

In Song of Rowland, the author tells the story of Charlemagnes attempted takeover of Saragossa, a land controlled by the Muslim king, Marsilla. The poem covers the feud between Rowland and his stepfather Ganelon, as well as the disastrous consequences that come from that feud, including the betrayal of their lord and kinsman, Charlemagne. Through characterization and plot, the author is able to convey the overall theme of the work—that of loyalty. Over the course of the poem, three characters are introduced to show varying degrees of loyalty. One of those characters is Ganelon, a vassal to Emperor Charlemagne and stepfather to the title character, Roland. After being nominated by his stepson for a suicide mission as a messenger to Marsilla, Ganelon travels to Saragossa and, acting disloyally to Charlemagne, betrays Roland to Marsilla. He tells the Muslim leader that Roland is the reason that they continue to fight, and that they will not have peace while he still lives. Ganelon even gives Marsilla the location where Roland is likely to be when they return to France, saying â€Å"The king will reach the main pass at Sizer, while having left his guard deployed behind him. His nephew will be there, the rich Count Roland, and Olivier, whom he relies on so. Theyll have a force of twenty thousand Franks. Send out a hundred thousand of your pagans† (Roland, 583-588).Marsilla then prepares to ambush Roland and his men as they return to France with the gifts of the Muslims. Although it is debatable whether or not this move is disloyal, as Ganelon had issued Defiance to Roland, there can be a strong case made that Ganelon was acting disloyally. Ganelon first acted disloyally to his family. Roland was his stepson, so trying to harm or kill him would be seen as a disloyal act, as they are kin, if only because Ganelon was married to Rolands mother. However, Roland was carrying out Charlemagnes orders, so not only did Ganelon betray Roland, but by default he also betrayed Charlemagne, a person that Ganelon swore an oath of loyalty to. Ganelons first duty was to his lord, not his feud with Roland. Also, Ganelons act of disloyalty affected more than just Roland, as he was not the only person to be killed as a result of it. Ganelons disloyalty led to the destruction of nearly 20,000 men. Therefore, Ganelon is the most obvious character to act disloyally, as he betrayed both his family and his lord. However, Ganelon was not the only one to act disloyal to Charlemagne. At first glance, Roland appears to be the perfect example of a model vassal. In court, he speaks against sending a messenger to negotiate a peace treaty, as the previous messengers have all been killed. He says â€Å"some fifteen pagans he dispatched, each carrying an olive branch; they said the very same words to you thenyou sent two of your counts out to the pagans (Basan was one, the other one was Basil) who promptly took their heads near Haltilie.â₠¬  (Roland 202-209) While he is being loyal to Charlemagne by having the best interest of the Franks at heart, Roland is inadvertently disloyal to his fellow vassals, as he speaks out of turn. As Roland was a younger vassal, he should have waited to speak until higher ranking vassals had done so. He also proves disloyal while under attack by the Muslim forces at the pass at Sizer. After seeing the size of the Muslim army, Olivier asks Roland to blow the horn and call for aid, as they are outnumbered severely. However, Roland refuses to call for assistance, saying â€Å"May God forbidthat it be said by any man alive I ever blew my horn because of pagans! My family shall never be reproved. When I am in the midst of this great battle and strike a thousand blows, then seven hundred, youll see the blade of Durendal run blood.† (Roland 1073-1079) Roland refuses to surrender his honor, even if it means the loss of his men and even his own life. This is clearly disloyal to Charlemagne, as a loyal vassal does not get 20,000 men killed, simply because he does not want to lose honor. Therefore, while Roland was loyal for the most part, he allowed personal honor to interfere with that loyalty. Also, the loyalty to his family is called into question, as he nominated Ganelon to be the messenger back to Marsilla. As Ganelon was his stepfather, it was both disrespectful and disloyal to his family for Roland to suggest that Ganelon travel to Saragossa. Ganelon acknowledges this disloyalty, saying â€Å"They know quite well that I am your stepsire—yet you name me to go out to Marsilla. If God should deign that I come back again, then I shall stir up such a feud with you that it will last as long as you live.† (Roland 287-291) Roland, knowing that the messenger to Marsilla would most likely be going to his death, nominates Ganelon, acting disloyal to his family, as the death of Ganelon would be detrimental to the entire family, not just Ganel on himself. The most loyal character in the poem is Olivier, Rolands best friend and a vassal to Charlemagne. He shows his loyalty to Charlemagne, offering to go with Blancandrin back to Saragossa, saying â€Å"But if it pleases the king, Id like to go.† (Roland 258) Charlemagne, however, refuses, as Olivier is one of the twelve peers, and Charlemagne refuses to allow any of the twelve peers to serve as the messenger. However, Olivier is not only a loyal vassal. He is a loyal friend as well. At the battle at the pass at Sizer, he suggests that Roland sound the horn and call for help, as they are outnumbered. Having seen the number of pagan soldiers that they are up against, Olivier advises Roland, saying â€Å"There are many pagans, and, it seems to me, we Franks are few. Companion Roland, you should sound your horn so Charles will hear and bring the army back.† (Roland 1049-1052) He was loyal to both Charlemagne and Roland, as he offered Roland advice in time s of trouble and suggested that Roland try to avoid the deaths of 20,000 men. He also stands by Roland, rather than leaving, even though he knows it will ultimately lead to his death. Roland, seeing that Olivier has died in the fight, acknowledges his loyalty, saying â€Å"Olivier, fair comrade, you were the son of wealthy Duke Renier, who ruled the frontier valley of Runners. To break a lance-shaft or to pierce a shield, to overcome and terrify the proud, to counsel and sustain the valorous, to overcome and terrify the gluttons, no country ever had a better knight.† (Roland 2207-2214) Olivier can be seen as the model example of a loyal vassal not only because of his loyalty to his lord, Charlemagne, but also because of his unfailing loyalty to his friend, even until death. Loyalty is not confined to the Christian side, however. Blancandrin, the Muslim vassal of Marsilla, is described as â€Å"Among the wisest pagansvery chivalrous and dutiful and able in the service o f his lord.† (Roland 24-26) Blancandrin advises Marsilla to tell Charlemagne that he will accept the Christian faith, become a vassal of Charlemagne. He also advises that they offer many gifts, including hostages, in exchange for the Franks leaving Spain. He goes as far as to offer his own son as a hostage, saying â€Å"If he [Charlemagne] should ask for hostages, then send them to gain his confidence—some ten or twenty. Well send the sons of our own wives to him; though it will mean his death, Ill send my own. Much better that they should lose their heads up there than we should lose our honor and our lands and let ourselves be brought to beggary.† (Roland 40-46) Blancandrin knows that his son will be killed, as he does not actually intend for Marsilla to to convert to Christianity or become a vassal to Charlemagne, but merely promise to do so to get the Christian king out of Saragossa. That Blancandrin is willing to offer his own son as a sacrifice goes to show just how loyal he is to King Marsilla. Loyalty also comes into question during the trial of Ganelon for treason against Charlemagne. Thirty of Ganelons kinsmen are present to show support for Ganelon. One of these kinsmen is Pinabel. Pinabel places his loyalty to his kinsman, Ganelon, above his loyalty to his lord, Charlemagne. In court, he convinces the barons who decide Ganelons fate to let him live. The barons then tell Charlemagne â€Å"Sire, we pray that you will call it quits with Ganelon—hell serve you then in loyalty and love—and let him live, for hes a well-born man. (Count Rolands dead; youll not see him again,) and death itself cannot return that lord, nor will we ever get him back with wealth.† (Roland 3808-3813) However, Charlemagne declares that they are all traitors. Thierry places his loyalty to Charlemagne above any other loyalty. Out of loyalty to his lord, he argues that Ganelon should be punished, saying â€Å"Your service should have guaranteed [Rolands] safety. Betraying him made Ganelon a felon; he broke his oath to you and did you wrong. For this I judge that he should hang and die and that his corpse should be thrown [out to the dogs] like that of any common criminal.† (Roland 3828-3833) The following battle that ensues not only determines the fate of Ganelon, but also which loyalty should come first: loyalty to kinsman or loyalty to lord. During the battle, each attempts to persuade the other to act disloyally. Pinabel asks Thierry to reconcile the king to Ganelon, while Thierry tries to persuade Pinabel to forsake Ganelon and surrender without fighting. However, both refuse. In the end Thierry defeats Pinabel, resulting in the death of Ganelon and all thirty relatives who had shown up to support him. The reasoning behind this was â€Å"A traitor kills himself as well as others.† (Roland 3959) The triumph of Thierry over Pinabel did more than decide the fate of Ganelon. It can also be seen as a symbol that the duty and loyalty to the lord always outranks the duty and loyalty to the kin. In the epic poem Song of Roland, the theme of loyalty is explored thoroughly. Loyalty and the lack of loyalty can be seen through several characters, including Ganelon, Roland, Olivier, and Blancandrin. The poem also uses the trial of Ganelon to show that loyalty to lord always trumps loyalty to kin. Characterization, plot, and symbol served as means through which to show the theme of loyalty.Works Cited: Harrison, Robert L. 44. The Song of Roland. New York, NY: Signet Classic, 2002. 583-88. Print. Harrison, Robert L. 14. The Song of Roland. New York, NY: Signet Classic, 2002. 202-09. Print. Harrison, Robert L. 85. The Song of Roland. New York, NY: Signet Classic, 2002. 1073-079. Print. Harrison, Robert L. 20. The Song of Roland. New York, NY: Signet Classic, 2002. 287-91. Print. Harrison, Robert L. 18. The Song of Roland. New York, NY: Signet Classic, 2002. 258. Print.Harrison, Robert L. 82. The Song of Roland. New York, NY: Signet Classic, 2002. 1049-052. Print. Harrison, Robert L. 163. The Song of Roland. New York, NY: Signet Classic, 2002. 2207-014. Print. Harrison, Robert L. 3. The Song of Roland. New York, NY: Signet Classic, 2002. 22-26. Print. Harrison, Robert L. 3. The Song of Roland. New York, NY: Signet Classic, 2002. 40-46. Print.Harrison, Robert L. 276. The Song of Roland. New York, NY: Signet Classic, 2002. 3808-813. Print. Harrison, Robert L. 277. The Song of Roland. New York, NY: Signet Classic, 2002. 3828-833. Print. Harrison, Robert L. 288. The Song of Roland. New York, NY: Signet Classic, 2002. 3959. Print.

A Very Basic Overview of English Grammar

A Very Basic Overview of English Grammar

A Very Basic Overview of English Grammar