NWP Portrait

Total Page:16

File Type:pdf, Size:1020Kb

NWP Portrait Swiss Life Network Partners Country Network Partner Website Contact E-mail Telephone Argentina Galicia Seguros S.A. www.galiciaseguros.com.ar Ms. Lucía ARMANDO [email protected] +54 11 411 48 12 9 Australia Hannover Life Re of Australasia www.hannoverlifere.com Ms. Kristine NUGENT [email protected] +61 2 925 16 91 1 Austria Wiener Städtische www.wienerstaedtische.at Ms. Monika RUDICH [email protected] +43 50 350 26 76 3 Belgium Delta Lloyd Life www.deltalloydlife.be Mr. Stefaan CRUCKE [email protected] +32 477 974 28 9 Brazil Icatu Seguros www.icatuseguros.com.br Ms. Vanessa DONKE [email protected] +55 11 347 23 91 6 Canada Great-West Life www.greatwestlife.com Mr. David HENRY [email protected] +1 416 552 58 02 Chile Vida Security www.vidasecurity.cl Mr. Cristobal TAGINI [email protected] +56 22 584 25 07 China China Life www.e-chinalife.com Mr. Yifei YAO [email protected] +86 10 6363 18 86 China LZ Assist www.lzassist.com Mr. Ben SONG [email protected] +86 10 5925 5188 China Ping An of China www.pingan.com.cn Ms. Mengyuan (Rita) ZHOU [email protected] +86 21 3863 4794 Colombia Seguros Bolívar www.segurosbolivar.com Mr. Juan Camilo AGUDELO [email protected] +57 31 6524 0214 Costa Rica Mapfre Costa Rica www.mapfrecr.com Mr. Osvaldo GOUGH [email protected] +507 658 72 694 Czech Republic Kooperativa www.koop.cz Mr. Aleš ZETHNER [email protected] +420 956 420 318 Denmark Danica Pension www.danicapension.dk Mr. Jens-Henrik ANDREASEN [email protected] +45 2497 1125 Denmark PFA Pension www.pfa.dk Ms. Lis HASLING [email protected] +45 391 75 00 0 El Salvador Mapfre La Centro Americana www.lacentro.com Mr. Osvaldo GOUGH [email protected] +507 658 72 694 Finland Ilmarinen www.ilmarinen.fi Ms. Riitta RÄSÄNEN [email protected] +358 10 284 26 28 Finland Mandatum Life www.mandatumlife.fi Ms. Riitta JOKELAINEN [email protected] +358 50 426 74 92 France Swiss Life (France) www.swisslife.fr Mr. Thierry VILLETELLE [email protected] +33 6 60 62 37 20 Germany Swiss Life (Germany) www.swisslife.de Ms. Marion VINTZ [email protected] +49 89 381 09 18 72 Greece Groupama Phoenix www.groupama-phoenix.com Mr. Dimitrios KALOUDIS [email protected] +30 210 329 53 03 Guatemala Mapfre Guatemala www.mapfre.com.gt Mr. Osvaldo GOUGH [email protected] +507 658 72 694 Guatemala Seguros de Occidente www.occidente.com.gt Ms. Jennifer BRAHAM [email protected] +502 22 79 71 10 Honduras Mapfre Honduras www.mapfre.com.hn Mr. Osvaldo GOUGH [email protected] +507 658 72 694 Hong Kong Sun Life Hong Kong Limited www.sunlife.com.hk Mr. Cliff CHAN [email protected] +852 31 83 65 29 Hungary UNION Biztosító www.unionbiztosito.hu Mr. Gergely DANYADI [email protected] +36 1 666 76 54 India Kotak Mahindra Old Mutual Life www.kotaklifeinsurance.com Mr. Sandeep SHRIKHANDE [email protected] +91 22 666 21 59 99 India Apollo Munich Health Insurance www.apollomunichinsurance.com Dr. Ali NANDINI [email protected] + 91- 99 598 100 02 Indonesia PT Avrist Assurance www.avrist.com Mr. J. Alvin PANJAITAN [email protected] +62 21 5789 8771 Ireland Irish Life www.irishlife.ie Mr. Damian FADDEN [email protected] +353 1 704 12 72 Italy Apulia Previdenza www.apuliaprevidenza.it Mr. Gianrosario RUBINO [email protected] +39 2 725 66 741 Japan Meiji Yasuda Life www.meijiyasuda.co.jp Mr. Yasuhiro HIROTA [email protected] +81 3 32 83 30 15 Korea Hanwha Life Insurance www.hanwhalife.com Ms. Jieun LEE [email protected] +82 2 789 88 92 Luxembourg Swiss Life (Luxembourg) www.swisslife.lu Mr. Steve GOEDERT [email protected] +352 42 39 59 233 Malaysia Hong Leong Assurance www.hla.com.my Ms. Eng HOOI MEI [email protected] +60 3765 01 585 Mexico Seguros Inbursa www.inbursa.com Mr. Jorge NAVARRO [email protected] +52 55 532 50 42 3 Netherlands Zwitserleven www.zwitserleven.nl Ms. Rolina VON HEBEL [email protected] +31 65 379 57 52 New Zealand Hannover Life Re of Australasia www.hannoverlifere.com Ms. Kristine NUGENT [email protected] +61 2 925 16 91 1 Nicaragua Mapfre Nicaragua www.mapfre.com.ni Mr. Osvaldo GOUGH [email protected] +507 658 72 694 Norway Danica Pensjon www.danica.no Mr. Jens-Henrik ANDREASEN [email protected] +45 2497 1125 Norway DNB Livsforsikring ASA www.dnb.no Mr. Alexander Gellein WESTBY [email protected] +47 55 17 74 00 Panama Mapfre Panama www.mapfre.com.pa Mr. Osvaldo Gough [email protected] +507 658 72 694 Philippines First Life www.firstlife.com.ph Ms. Ninian CEDO [email protected] +63 2 893 30 24 Poland Compensa Group www.compensa.pl Mr. Sebastian BOROWSKI [email protected] +48 22 501 63 43 Portugal Groupama Seguros www.groupama.pt Mr. Rui ROSA [email protected] +351 21 792 32 27 Russia Rosgosstrakh www.rgs.ru Ms. Anastasia ZLATKUS [email protected] +7 495 783 24 24 Singapore Aetna www.aetna.com Ms. Shevaun NG [email protected] +65 6395 67 03 Singapore Prudential Assurance www.prudential.com.sg Ms Lynn LEE [email protected] +65 6233 3126 Slovakia Kooperativa www.koop.sk Ms. Bibiana KUČEROVÁ [email protected] +421 37 6521 018 South Africa Momentum www.momentum.co.za Mr. Redwaan ZOUTENBERG [email protected] +27 21 940 40 11 Spain SegurCaixa Adeslas www.adeslassegurcaixa.es Mr. Fabián VEGA RICHARD [email protected] +34 91 566 77 54 Spain VidaCaixa www.vidacaixaprevisionsocial.com Ms. Ana DELGADO [email protected] +34 93 227 89 57 Sweden Danica Pension www.danica.se Mr. Jens-Henrik ANDREASEN [email protected] +45 2497 1125 Switzerland Helsana www.helsana.ch Mr. Frédéric URIO [email protected] +41 43 340 11 11 Switzerland Sanitas www.scpc.ch Ms. Pascale SCHAUFELBERGER [email protected] +41 44 751 81 04 Switzerland Swiss Life (Head Office) www.swisslife.ch Mr. Fabian GEIGER [email protected] +41 43 284 35 38 Switzerland Swiss Life Pension Services www.slps.ch Mr. Patricio SCOTONI [email protected] +41 800 00 2525 Taiwan TransGlobe Life www.transglobe.com.tw Mr. Sam FENG [email protected] +886 22176 5166 3351 Thailand Bangkok Life Assurance www.bla.co.th Ms. Prangwalai SEANG-CHIN [email protected] +66 814 391 118 UAE Dubai Insurance Company www.dubins.ae Dr. Deepthy VELAYUDHAN [email protected] +971 4 269 30 30 152 United Kingdom Unum www.unum.co.uk Mr. Keith BALE [email protected] +44 1306 873025 USA Aetna www.aetna.com Ms. Linda COTE [email protected] +1 760 633 30 45 Venezuela Atrio Seguros www.atrioseguros.com Ms.Kleiby Depablos kdepablos@atrioseguros +58 212 264 68 89 Contact Swiss Life Network Partners Manager: 2 0 8 Ms. Sindy Stautemas: [email protected] – +352 42 39 59 357 or +352 691 264 038 20160.
Recommended publications
  • Part VII Transfers Pursuant to the UK Financial Services and Markets Act 2000
    PART VII TRANSFERS EFFECTED PURSUANT TO THE UK FINANCIAL SERVICES AND MARKETS ACT 2000 www.sidley.com/partvii Sidley Austin LLP, London is able to provide legal advice in relation to insurance business transfer schemes under Part VII of the UK Financial Services and Markets Act 2000 (“FSMA”). This service extends to advising upon the applicability of FSMA to particular transfers (including transfers involving insurance business domiciled outside the UK), advising parties to transfers as well as those affected by them including reinsurers, liaising with the FSA and policyholders, and obtaining sanction of the transfer in the English High Court. For more information on Part VII transfers, please contact: Martin Membery at [email protected] or telephone + 44 (0) 20 7360 3614. If you would like details of a Part VII transfer added to this website, please email Martin Membery at the address above. Disclaimer for Part VII Transfers Web Page The information contained in the following tables contained in this webpage (the “Information”) has been collated by Sidley Austin LLP, London (together with Sidley Austin LLP, the “Firm”) using publicly-available sources. The Information is not intended to be, and does not constitute, legal advice. The posting of the Information onto the Firm's website is not intended by the Firm as an offer to provide legal advice or any other services to any person accessing the Firm's website; nor does it constitute an offer by the Firm to enter into any contractual relationship. The accessing of the Information by any person will not give rise to any lawyer-client relationship, or any contractual relationship, between that person and the Firm.
    [Show full text]
  • 2. MS&AD Insurance Group Strategies
    Japan’s Insurance Market 2013 The Toa Reinsurance Company, Limited The Toa Reinsurance Company, Limited Japan’s Insurance Market 2013 Contents Page To Our Clients Tomoatsu Noguchi President and Chief Executive, The Toa Reinsurance Company, Limited 1 1. The Japanese Non-Life Insurance Market Yasuyoshi Karasawa President, Chief Executive Officer, Mitsui Sumitomo Insurance Company, Limited 2 2. Practical Risk Appetite David Simmons Managing Director, Analytics, Willis Re Head of Strategic Capital and Result Management 12 3. Japanese Insurance Company Management and the Introduction of Enterprise Risk Management Systems Nobuyasu Uemura Managing Director, Capitas Consulting Corporation 23 4. Enhancement of Enterprise Risk Management and Emerging Risk for Insurers Koichi Dezuka Executive Director, Ernst & Young ShinNihon LLC 27 5. Trends in Japan’s Non-Life Insurance Industry Underwriting & Planning Department The Toa Reinsurance Company, Limited 32 6. Trends in Japan’s Life Insurance Industry Life Underwriting & Planning Department The Toa Reinsurance Company, Limited 37 Supplemental Data: Results of Japanese major non-life insurance groups (company) for fiscal 2012, ended March 31, 2013 (Non-Consolidated Basis) 44 ©2013 The Toa Reinsurance Company, Limited. All rights reserved. The contents may be reproduced only with the written permission of The Toa Reinsurance Company, Limited. To Our Clients It gives me great pleasure to have the opportunity to welcome you to our brochure, Japan’s Insurance Market 2013. It is encouraging to know that over the years our brochures have been well received even beyond our own industry’s boundaries as a source of useful, up-to-date information about Japan’s insurance market, as well as contributing to a wider interest in and understanding of our domestic market.
    [Show full text]
  • Annual Report 2018 1 Corporate Profile
    Annual Report Meiji Yasuda Life Insurance Company, 20Year ended March18 31, 2018 Contents Corporate Profi le 2 Individual Administrative Services (Individual Administrative Service Reforms) 36 Meiji Yasuda Philosophy 4 Group Insurance Administrative Services (Group Insurance Administrative Service Reforms) 37 A Message from the President 6 Asset Management (Asset Management Reforms) 38 History of Our Challenges 8 Asset Management Administrative Services (Asset Management Administrative Service Reforms) 39 Value Creation Process at Meiji Yasuda Life 12 Overseas Insurance Business Contributing to the SDGs through Business (Overseas Insurance Business Reforms) 40 Activities 14 Domestic Affi liate Business (Domestic Group Company Management Reforms) 41 Topics Operating Base Reinforcement Strategy Stepping up After-Sales Service Tailored for the Elderly 16 Adopting a More Sophisticated Management Enhancing Our Product Lineup 18 Approach (Governance Reforms) 42 Pursuing Customer-Focused Business Operations 19 Human Resource Management (HR Reforms) 43 Our Support of Meiji Yasuda J. League and General Affairs, Infrastructure Management Other Initiatives to Vitalize Local Communities 20 and Working Environment Development (General Affairs Reforms) 44 Promoting Sustainable Investment and Financing 22 System Development Structure Community Vitalization Initiatives via (System Development Structure Reforms) 45 Partnerships with Local Governments 23 Brand Strategy Initiatives to Realize Improved Work Engagement 24 Solidifying Brand Recognition by Disseminating
    [Show full text]
  • Insurance Market Report 2019 Foreword
    Insurance market report 2019 Foreword 2 This report provides an overview of the Swiss sets as well as amounts due from derivative financial insurance market in 2019. The first part contains instruments no longer form part of the investments, information about the market as a whole. Parts 2, 3 some of the key figures published in the insurance Foreword Foreword and 4 provide detailed information on the life, non- market report 2018 such as the total assets, the in- life and reinsurance sectors. vestments, the underwriting liabilities, the gains on investments, the return on investments and the in- The figures presented in the report have been pre- formation on asset allocation differ from the previous pared on a statutory basis; any changes in the values year’s figures provided in this report. of assets and liabilities generally do not correspond FINMA | Insurance market report 2019 FINMA | Insurance market report to market value adjustments. For example, bonds are As announced in last year’s report, since the 2019 shown at amortised cost, which means the carrying annual survey, this report includes information on the values are not sensitive to interest rates. On the li- group life reporting for occupational pension schemes abilities side, technical provisions for life insurers are of life insurance companies for the first time and discounted with technical interest rates and not with replaces the transparency report on occupational the prevailing market yield curve. Technical provisions pensions. The information on the group life reporting for non-life insurers are generally undiscounted, while for occupational pension schemes of life insurance accident insurance benefits (UVG) have been companies can be found in ”Life insurance com- specifically excluded.
    [Show full text]
  • Swiss Life Investment Foundation
    Swiss Life Investment Foundation Benefit from the experience and up-to-date investment principles of large pension funds. • Top 5 investment foundation with assets of 14 billion • More than one in three Swiss employee benefits institutions as investors Cornerstones of Swiss Life Investment Foundation Tax-exempt foundation for the collective investment of Employee benefits foundations for Swiss Life personnel pension assets (established in 2001) as important key investors Gross assets of with around CHF 14 billion, and thus Majority of Board of Trustees members are investor among the top 5 of the 35 Swiss investment foundations representatives Strongest growing investment foundation in the past Supervisory authority: OAK BV (Federal Occupational ten years Pensions Regulatory Commission) Over 680 pension funds and collective foundations Member of KGAST (Conference of Managers of Swiss and thus every third Swiss employee benefits institution Investment Foundations), complying with its quality as an investor guidelines Comprehensive modular product range BVG-Mix 15 BVG-Mix 25 BVG-Mix 35 BVG-Mix 45 BVG-Mix 75 5% 2% 5% 2% 2% 2% 3% 2% 2% 5% 2%5% 5% 2% 13% 12% 5% 13% 16% 14% 9% 13% 11% 15% 5% 7% 13% 9% 7% 12% 17% 22% 20% 37% 6% 8% 24% 38% 13% 28% 18% 28% 23% Liquid Assets Bonds CHF Domestic Equities Switzerland Real Estate Alternative investments Mortgages Switzerland Bonds CHF Foreign Equities Foreign Switzerland (CHF hedged) Bonds Foreign Currencies Real Estate Foreign (CHF hedged) (CHF hedged) State-of-the-art investment philosophy Objective selection of asset managers The best qualified asset managers are selected on the basis of objective criteria and taking into account the specific requirements of the various investment groups.
    [Show full text]
  • General Policy Conditions for Group Life Insurance
    Swiss Life Ltd, General-Guisan-Quai 40, P.O. Box, 8022 Zurich Swiss Life Ltd, Zurich (Swiss Life) General Policy Conditions for Group Life Insurance Effective date: 1 January 2020 web0136 | 01.2020 Contents Art. 1 General 3 1 - Basis of the contract 2 - Specially agreed terms 3 - Entitlement to benefits 4 - Legal basis Art. 2 Insurance protection 3 1 - Insurance year 2 - Application 3 - Assumption of liability 4 - Underwriting 5 - Breach of the duty of disclosure 6 - Change in benefits Art. 3 Premiums 3 1 - Definition 2 - Due date 3 - Calculation 4 - Experience rating 5 - Settlement 6 - Consequences of default 7 - Refund of premiums Art. 4 Costs 3 Art. 5 Duty to inform; establishment of entitlement 3 1 - Duty to inform 2 - Certificate of life 3 - Disability 4 - Death 5 - Children in continuing education Art. 6 Subrogation 4 Art. 7 Bonus 4 1 - Bonus distribution 2 - Calculation of the bonus 3 - Bonus reserve 4 - Bonus allocation 5 - Entitlement to participation in surplus 6 - Information Art. 8 Premature withdrawal from the portfolio of insured persons 4 1 - Termination of the insurance 2 - Surrender value 3 - Extension Art. 9 Termination of insurance contract 5 1 - Termination of the insurance 2 - Partial termination 3 - Surrender value 4 - Deduction due to the interest rate situation Art. 10 Premium rate 5 1 - Guarantee of insurance tariffs 2 - Modification of the insurance tariffs 3 - Collective and individual insurance tariffs Art. 11 Further provisions 5 1 - Gross negligence 2 - Suicide 3 - Communications to Swiss Life 4 - Change of address 5 - Place of performance and jurisdiction Art.
    [Show full text]
  • Business Activities
    Business Activities Individual Insurance Marketing General Agent Marketing We are drastically reforming our sales personnel channel With regard to OTC sales at banks and other fi nancial as part of our initiatives to thoroughly enhance customer institutions, we launched individual annuity insurance satisfaction. in April 2008, and single premium increasing whole life More specifi cally, in April 2008, we adopted the "Ease insurance products (nursing care type)—the fi rst nursing of Mind Service Program" to standardize the frequency of care assurance products designed in response to the policyholder visits and service level in order to enhance total removal of the ban on insurance sales by banks and communications with customers and make customer other fi nancial institutions—in August 2008. The launching services more consistent. We also introduced a "Company of single premium individual annuity insurance in March Training Authorization System" for all sales personnel to 2009 further strengthened our product line-up. reinforce education and training, and regularly confi rm At the beginning of fi scal 2008, we reorganized our their knowledge and skill levels. As these programs marketing organization into three marketing departments gained momentum, we started calling our sales personnel depending on the type of fi nancial institution we "MY Life Plan Advisors" from November. Premised on collaborate with, thus strengthening our support for sales their implementation of "Ease of Mind Service Activities" activity in such institutions. and their acquisition of knowledge and skills, we We continue to enhance new partnership agreements endeavored to stabilize our treatment of sales personnel. with corporate agencies and tax accountant agencies, we We also altered the focus of our operations management have also strengthened our sales support by reinforcing at regional offi ces and agency offi ces to emphasize training for agencies.
    [Show full text]
  • 2011-2012 HR Service Delivery and Technology Research Report
    Keep Your Eye on the Prize An ERM Update on the Global Insurance Industry April 2013 2012 Global Insurance ERM Survey Report Since our 2010 survey, Financial Crisis Puts the Spotlight on ERM, insurers have endured volatile investment markets, persistently low interest rates, and a number of major natural and man-made catastrophes. Meanwhile, insurance regulations around the world are undergoing significant change, adding to the uncertainty and in some regions drawing materially on resources, with unclear tangible benefits to the business. As insurers set priorities for 2013 and beyond, there is a need to focus on those aspects of enterprise risk management (ERM) that will truly add value to your business, and to “Keep Your Eye on the Prize” — the theme we have chosen for our 2012 Global Insurance ERM Survey. Keep Your Eye on the Prize An ERM Update on the Global Insurance Industry Table of Contents Executive Summary 2 Introduction 4 Seven Major Findings 6 Finding One: Insurers see the value in ERM 6 Figure 1: How ERM is expected to enhance business performance 7 Finding Two: The business impact of ERM continues to grow, albeit slowly 7 Figure 2: Business changes resulting from insurers’ ERM programs 7 Finding Three: Those that stay the course reap the rewards 8 Figure 3: Making progress with ERM enhances business performance 8 Finding Four: Risk culture is critical to long-term ERM success 9 Figure 4: Risk culture’s importance in the end-state vision of ERM 9 Finding Five: Defining risk appetite and monitoring against it are key short-term
    [Show full text]
  • Annual Report 2020 1 Corporate Profile
    Annual Report Meiji Yasuda Life Insurance Company Year ended March 31, 2020 1-1, Marunouchi 2-chome, Chiyoda-ku, Tokyo 100-0005, Japan Phone:+81-3-3283-8293 Fax:+81-3-3215-8123 Contents Value Created by Meiji Yasuda Life 2 Relationship with Stakeholders 85 Corporate Profile ..................................................................... 3 Relationship with Customers Meiji Yasuda Philosophy .......................................................... 4 Initiatives to Ensure the Swift, Accurate Payment Thoughts behind Our Corporate Emblem and Logo................. 6 of Insurance Claims and Benefits ....................................... 86 Meiji Yasuda Life at a Glance ................................................... 6 Initiatives to Promote Customer-Oriented Financial and ESG Highlights ................................................... 8 Business Operations .......................................................... 88 History of Our Challenges ........................................................ 10 Initiatives to Enhance Customer Satisfaction Value Creation Process at Meiji Yasuda Life ............................. 12 with Regard to Sales Personnel ......................................... 89 Contributing to the SDGs through Business Activities .............. 14 Diversifying Our Sales Channels A Message from the President ................................................. 18 while Developing New Markets .......................................... 90 Our Products and Services Aimed at Delivering Our Value Creation Strategies
    [Show full text]
  • Important Notice This Offering Is
    IMPORTANT NOTICE THIS OFFERING IS AVAILABLE ONLY TO INVESTORS WHO ARE NON-US PERSONS AND ADDRESSEES OUTSIDE OF THE US IMPORTANT: You must read the following before continuing. The following disclaimer applies to the attached Prospectus accessed via internet or otherwise received as a result of such access and you are therefore advised to read this disclaimer page carefully before reading, accessing or making any other use of the attached Prospectus. In accessing the attached Prospectus, you agree to be bound by the following terms and conditions, including any modifications to them from time to time, each time you receive any information from us as a result of such access. NOTHING IN THIS ELECTRONIC TRANSMISSION CONSTITUTES AN OFFER OF SECURITIES FOR SALE IN ANY JURISDICTION WHERE IT IS UNLAWFUL TO DO SO. THE SECURITIES HAVE NOT BEEN, AND WILL NOT BE, REGISTERED UNDER THE US SECURITIES ACT OF 1933, AS AMENDED (THE "SECURITIES ACT''), OR THE SECURITIES LAWS OF ANY STATE OF THE UNITED STATES OR OTHER JURISDICTION, AND, SUBJECT TO CERTAIN EXCEPTIONS, THE SECURITIES MAY NOT BE OFFERED OR SOLD WITHIN THE UNITED STATES OR TO, OR FOR THE ACCOUNT OR BENEFIT OF, US PERSONS (AS DEFINED IN REGULATION S UNDER THE SECURITIES ACT). THE FOLLOWING PROSPECTUS MAY NOT BE FORWARDED OR DISTRIBUTED TO ANY OTHER PERSON AND MAY NOT BE REPRODUCED IN ANY MANNER WHATSOEVER. ANY FORWARDING, DISTRIBUTION OR REPRODUCTION OF THIS DOCUMENT IN WHOLE OR IN PART IS UNAUTHORISED. FAILURE TO COMPLY WITH THIS DIRECTIVE MAY RESULT IN A VIOLATION OF THE SECURITIES ACT OR THE APPLICABLE LAWS OF OTHER JURISDICTIONS.
    [Show full text]
  • 2019 Complaint Ranking Report
    STATE OF CONNECTICUT INSURANCE DEPARTMENT 2018 Complaint Rankings Accident & Health Auto Insurance Andrew N. Mais Insurance Commissioner August 1, 2019 The Connecticut Insurance Department investigates thousands of complaints each year from consumers on all types of insurance policies including health, auto, homeowners, renters and life insurance. Our primary mission is consumer protection and we closely monitor insurance companies to make certain they adhere to state laws and are financially solvent to fulfill their obligations to their policyholders. In 2018, the Department’s Consumer Affairs Unit (CAU) fielded 6,349 complaints and inquiries from consumers. As a result, we were able to recover and return nearly $5.6 million back to consumers who turned to us for help. Those complaints are an important tool in helping us regulate the insurance industry. Our CAU examiners are effective liaisons between policyholders and their insurance companies. They assist consumers by: • Ensuring companies comply with state laws and the terms of the insurance policy • Communicate with a company on a policyholder’s behalf • Correct misunderstandings and provide consumers with information • Work with policyholders proactively before a problem develops In this report, companies that sell Auto and Accident & Health insurance are ranked by the number of complaints reported, whether those complaints were justified or questionable by company, by market share, identified by written or earned premium. A company’s ranking is determined by a “complaint ratio,” which is the total number of complaints divided by the direct premium and multiplied by 1 million. A company with the lowest complaint ratio is ranked No. 1. The types of complaints reviewed for the purposes of this report include claims handling, underwriting, marketing and sales, and policy service.
    [Show full text]
  • Aegon N.V. Executive Board Remuneration Policy 2020
    Aegon N.V. Executive Board Remuneration Policy 2020 The Hague, March 2020 Executive Board Remuneration Policy 2020 Version History Last Version March 24, 2011 Revised and updated March 11, 2020 Endorsed by the Supervisory Board of Aegon N.V. March 17, 2020 Adopted by Shareholders at the Annual General Meeting of Shareholders May 15, 2020 2 Executive Board Remuneration Policy 2020 1. Policy 1.1 Remuneration Policy This Executive Board Remuneration Policy (the 'Policy') outlines the terms and conditions for the board agreement with and remuneration of the members of the Executive Board of Aegon N.V. (the 'Executives'), to be submitted for approval by the shareholders of Aegon N.V. (the 'Shareholders') at the Annual General Meeting of Shareholders on May 15, 2020. This Policy replaces the Aegon N.V. Executive Board Remuneration Policy of 2011. Remuneration of all employees of Aegon N.V. and its direct and indirect subsidiaries ('Aegon') and the Executives is governed by the Aegon Group Global Remuneration Framework (the 'Remuneration Framework'). This Policy is aligned with the current version of this Remuneration Framework, which was adopted by the Supervisory Board of Aegon N.V. (the 'Supervisory Board') on December 18, 2019. The Remuneration Committee of the Supervisory Board of Aegon N.V. (the 'Remuneration Committee' ) prepared the changes to this Policy, which were endorsed by the Supervisory Board on March 17, 2020. At the date of approval, the Policy complies with the applicable rules and regulations such as the Dutch Financial Supervision Act, the Dutch Civil Code, the Dutch Corporate Governance Code and the Solvency II Legal Framework.
    [Show full text]