563-4101 Discount Medical Plan Organiza
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Mutual Societies Application Form
Mutual Societies Application Form ChangeMutual Societies of Name Application Note Notes Change of name Please take time to read these notes carefully. They will help you to fill in the form correctly. These notes are for information only. They are not a full statement of legal obligations under the relevant legislation. The society or credit union may wish to seek legal advice on how to comply with the legislation. If after reading these notes you need more help please: • check our website for more information on Mutual Societies: http://www.fca.org.uk/mutuals • email [email protected]; or • call the contact centre 0845 606 9966 Terms in this form 'FCA', 'us' and 'we' refer to the Financial Conduct Authority or Prudential Regulation Authority. 'You' refers to the person signing the form on behalf of the society or credit union. ‘The 2014 Act’ is the Co-operative and Community Benefit Societies Act 2014 FCA Mutuals Change of Name (N) Release 2 July 2014 page 1 NOTES - Legislation and what to expect Legislation and what to expect Co-operative and Community Benefit Societies Act 2014 Section 10(1) of the 2014 Act states that a society may not be registered with a name we think is undesirable. A society is required to pass a resolution concerning its new name at a general meeting. It needs to give notice of the resolution, as is required by its rules. If its rules do not state the notice period for doing this, it needs to give the notice its rules require for a resolution to amend its rules. -
Insurance Special Report 2018 by Kim Rosenlof Industry Players Outline Challenges, Opportunities
SPECIAL report Insurance Special Report 2018 by Kim Rosenlof Industry players outline challenges, opportunities Keynote speaker Dr. Doris Höpke, a mem- ber of the Board of Management of Ger- man insurance giant Munich Reinsurance Company (Munich RE) since 2014, painted a cautiously optimistic picture of the U.S. general aviation insurance industry at the 2018 Aviation Insurance Association (AIA) conference held April 29 to May 1 in Austin, Texas. Höpke noted that while profitability remains a challenge in an environment where a judgment in excess of US$100 million can wipe out nearly 10 percent of aggregate annual premiums, new technologies and markets provide opportunities to return to profitability. JOHN A. MANFREDO “These days we are facing some chal- lenges that…could potentially change insurers can make a living on investment loss premium. This is an exposure show- that everybody adds value beyond capac- the entire business model of what we gains,” said Höpke. “This is in essence a ing that certainly the market cannot stand ity and beyond simply taking risks onto do,” said Höpke, “The biggest challenge misunderstanding of what insurance is on its own and it requires reinsurance to your balance sheet.” for us as a reinsurer is the [low] interest about. Our core is assessing and bearing transfer risk…But if historically the largest rate environment.” risk, and if we are not able to make a loss is 16 percent of the largest policy limit, New Insurance Markets: living on our underwriting results, there what about the remaining 84 percent? Cyber, Space, and Drones are many reasons to rethink how this This is capacity that is not needed. -
Design and Assessment of Tax Incentives in Developing Countries
DESIGN AND ASSESSMENT OF TA X INCENTIVES IN DEVELOPING COUNTRIES SELECTED ISSUES AND A COUNTRY EXPERIENCE UNITED NATIONS DESIGN AND ASSESSMENT OF TAX INCENTIVES IN DEVELOPING COUNTRIES SELECTED ISSUES AND A COUNTRY EXPERIENCE asdf United Nations New York, 2018 CIAT Copyright © United Nations 2018 All rights reserved Preface Tax incentives have traditionally been used by governments as tools to promote a particular economic goal. They are preferential tax treatments that are offered to a selected group of taxpayers and take the form of exemptions, tax holidays, credits, investment allowances, preferential tax rates and import tariffs (or customs duties), and deferral of tax liability. The generalized use of tax incentives has been justified by the need to: (i) correct market inefficiencies associated with the externalities of certain economic activities; (ii) target new industries and mobile investments that are subject to tax competition; (iii) generate a form of agglomeration economies, or concentration externalities; and (iv) subsidize companies during their sector’s downturn. As a matter of fact, developed countries normally use tax incentives to promote research and development activities, export activities, and support the competitiveness of their enterprises in the global market; while developing countries use them to attract foreign investment and foster national industries. Although at first, tax incentives appear to be costless because they do not seem to affect the current budget, they may entail significant costs, such as revenue loss, low economic efficiency, increased administrative and compliance costs, and excessive tax planning and tax evasion, which may exceed their benefits and considerably erode the general tax base. Given that costs and benefits of tax incentives vary from country to country, the impact of tax incentives on the economic growth and expansion of the overall tax base is not uniform. -
Download Entire Chapter (PDF)
TITLE 41 INSURANCE CHAPTER 32 FRATERNAL BENEFIT SOCIETIES 41-3201. FRATERNAL BENEFIT SOCIETIES. Any incorporated society, or- der or supreme lodge, without capital stock, including one exempted under the provisions of section 41-3237(1)(b), Idaho Code, whether incorporated or not, conducted solely for the benefit of its members and their beneficia- ries and not for profit, operated on a lodge system with ritualistic form of work, having a representative form of government, and which provides bene- fits in accordance with this chapter, is hereby declared to be a fraternal benefit society. [41-3201, added 1995, ch. 213, sec. 2, p. 723.] 41-3202. LODGE SYSTEM. (1) A society is operating on the lodge system if it has a supreme governing body and subordinate lodges into which members are elected, initiated or admitted in accordance with its laws, rules and rit- ual. Subordinate lodges shall be required by the laws of the society to hold regular meetings at least once in each month in furtherance of the purposes of the society. (2) A society may, at its option, organize and operate lodges for chil- dren under the minimum age for adult membership. Membership and initiation in local lodges shall not be required of such children, nor shall they have a voice or vote in the management of the society. [41-3202, added 1995, ch. 213, sec. 2, p. 723.] 41-3203. REPRESENTATIVE FORM OF GOVERNMENT. A society has a represen- tative form of government when: (1) It has a supreme governing body constituted in one (1) of the fol- lowing ways: (a) Assembly. -
Aspects of Insurance in Aviation Finance Rod D
Journal of Air Law and Commerce Volume 62 | Issue 2 Article 4 1996 Aspects of Insurance in Aviation Finance Rod D. Margo Follow this and additional works at: https://scholar.smu.edu/jalc Recommended Citation Rod D. Margo, Aspects of Insurance in Aviation Finance, 62 J. Air L. & Com. 423 (1996) https://scholar.smu.edu/jalc/vol62/iss2/4 This Article is brought to you for free and open access by the Law Journals at SMU Scholar. It has been accepted for inclusion in Journal of Air Law and Commerce by an authorized administrator of SMU Scholar. For more information, please visit http://digitalrepository.smu.edu. ASPECTS OF INSURANCE IN AVIATION FINANCE ROD D. MARGO* TABLE OF CONTENTS I. INTRODUCTION .................................. 424 II. THE NATURE OF INSURANCE ................... 428 A. INSURABLE INTEREST ............................ 430 B. THE DUTY OF DISCLOSURE ...................... 430 1. Good Faith .................................. 430 2. Nondisclosure and Misrepresentation.......... 431 III. THE INTERNATIONAL AVIATION INSURANCE M A RKET ........................................... 433 IV. THE ROLE OF THE INSURANCE BROKER ...... 435 V. CERTIFICATES OF INSURANCE AND LETTERS OF UNDERTAKING ............................... 437 VI. TYPES OF COVERAGE ............................ 439 A. HULL INSURANCE ............................... 439 B. LIABILITY INSURANCE ............................ 442 1. PassengerLiability Insurance ................. 443 2. Third Party Liability Insurance ............... 444 C. WAR AND ALLIED PERILS INSURANCE ............ 445 VII. PROTECTING THE INTERESTS OF FINAN CIERS ....................................... 449 A. PROTECTING THE INTERESTS OF FINANCIERS UNDER A HULL POLICY ......................... 449 1. Additional Insured Endorsement .............. 450 2. Loss Payable Clause.......................... 450 * Member of the California and District of Columbia bars; Partner, Condon & Forsyth, Los Angeles; Lecturer in law, UCLA School of Law, Los Angeles. I have received helpful advice and comments from individuals too numerous to men- tion. -
Reduce Premium Subsidies on Buy-Up Coverage by 5 (Against a Loss of Revenue Caused by Low Prices, Low Yields Percentage Points
58 ANALYTICAL PERSPECTIVES • Reduce premium subsidies on buy-up coverage by 5 (against a loss of revenue caused by low prices, low yields percentage points. or a combination of both) or yield protection (for produc- tion losses only), all within the same policy. RMA also • Increase the government’s share on underwriting continues to pursue a number of avenues to increase pro- gains to 20 percent from 5 percent. gram participation among underserved States and com- • Reduce the face value premium on Catastrophic modities by working on declining yield issues and looking Crop Insurance (CAT) by 25 percent and charge an at discount programs for good producers who pose less administrative fee on CAT equal to the greater of risk. $300 or 25 percent of the (restated) CAT premium, subject to a maximum fee of $5,000. Insurance against Security-Related Risks In addition to these changes, the Farm Bill authorized Terrorism Risk Insurance the Federal Crop Insurance Corporation (FCIC) to have the option of renegotiating the financial terms and condi- The Terrorism Risk Insurance Program (TRIP), autho- tions of the Standard Reinsurance Agreement with the rized under P.L. 107-297, helped stabilize the insurance crop insurance companies during FY 2010. If the FCIC industry during a time of significant transition follow- exercises this authority, it could result in more efficiency ing the terrorist attacks of September 11, 2001. Initially, for risk sharing between the government and the crop in- TRIP was a three-year Federal program that provided surance companies. a system of shared public and private compensation for There are various types of insurance programs. -
List of Insurance Companies Authorized to Transact Business In
List of Insurance Companies Authorized to Transact Business in South Carolina as of May 2020 NAIC Name of Company Company Type Mailing Address City State Zipcode Phone Lines of Authority Code 23833 @HOME INSURANCE COMPANY Property & Casualty P.O. BOX 905 LINCROFT NJ 07738 - 0905 (302) 252 - 2000 Casualty, Marine, Property Risk Purchasing c/o ALLIANT INSURANCE 1285 DRUMMERS 123CPL Group SERVICES, INC. LN, STE 305 WAYNE PA 19087 - 0000 (610) 635 - 3311 21ST CENTURY ASSURANCE Accident & Health, Casualty, 44245 COMPANY Property & Casualty 3 BEAVER VALLEY ROAD WILMINGTON DE 19803 - 1115 (302) 252 - 2000 Marine, Property 21ST CENTURY CASUALTY 36404 COMPANY Property & Casualty 3 BEAVER VALLEY ROAD WILMINGTON DE 19803 - 1115 (302) 252 - 2000 Casualty, Property 21ST CENTURY CENTENNIAL Accident & Health, Casualty, 34789 INSURANCE COMPANY Property & Casualty 3 BEAVER VALLEY ROAD WILMINGTON DE 19803 - 1115 (302) 252 - 2000 Marine, Property, Surety 21ST CENTURY INSURANCE 12963 COMPANY Property & Casualty 3 BEAVER VALLEY ROAD WILMINGTON DE 19803 - 1115 (302) 252 - 2000 Casualty, Property 21ST CENTURY NORTH AMERICA Accident & Health, Casualty, 32220 INSURANCE COMPANY Property & Casualty 3 BEAVER VALLEY ROAD WILMINGTON DE 19803 - 1115 (302) 252 - 2000 Marine, Property, Surety 21ST CENTURY PACIFIC INSURANCE 23795 COMPANY Property & Casualty 3 BEAVER VALLEY ROAD WILMINGTON DE 19803 - 1115 (302) 252 - 2000 Casualty, Marine, Property 21ST CENTURY PREMIER Accident & Health, Casualty, 20796 INSURANCE COMPANY Property & Casualty 3 BEAVER VALLEY ROAD WILMINGTON DE 19803 - 1115 (302) 252 - 2000 Marine, Property, Surety 2 Mid America Plaza, Suite Oakbrook 80985 4 EVER LIFE INSURANCE COMPANY Life 200 Terrace IL 60181 - 0000 (630) 472 - 7833 Accident & Health, Life 77879 5 STAR LIFE INSURANCE COMPANY Life 909 N. -
Aviation Insurance Walter C
View metadata, citation and similar papers at core.ac.uk brought to you by CORE provided by Southern Methodist University Journal of Air Law and Commerce Volume 2 | Issue 2 Article 3 1931 Aviation Insurance Walter C. Crowdus Follow this and additional works at: https://scholar.smu.edu/jalc Recommended Citation Walter C. Crowdus, Aviation Insurance, 2 J. Air L. & Com. 176 (1931) https://scholar.smu.edu/jalc/vol2/iss2/3 This Article is brought to you for free and open access by the Law Journals at SMU Scholar. It has been accepted for inclusion in Journal of Air Law and Commerce by an authorized administrator of SMU Scholar. For more information, please visit http://digitalrepository.smu.edu. AVIATION INSURANCE* WALTER C. CROWDUSt INTRODUCTION Over three and a half centuries ago, in opening Queen Eliza- beth's first parliament, Sir Nicholas Bacon remarked, "Wise mer- chants, in every adventure of danger, pay part of the value of their cargo to have the rest insured." Since that time, insurance has become almost a universal necessity, and the foundation upon which industry of all kinds is built. The entrance of insurance into the field of aeronautics was, therefore, to be logically expected. As pioneer underwriters of unusual and hazardous risks (or, rather, gambles) Lloyds London were the first to make possible and to offer insurance for aviation. This was just prior to the opening of the World War in 1914. It had been ten years since man had first flown in a heavier-than-air machine, but in those few years the growth and development of aviation had made it neces- sary that the protection afforded by insurance become available. -
Article 24. Fraternal Benefit Societies. § 58-24-1. Fraternal Benefit Societies
Article 24. Fraternal Benefit Societies. § 58-24-1. Fraternal benefit societies. Any incorporated society, order or supreme lodge, without capital stock, including one exempted under the provisions of G.S. 58-24-185(a)(2) whether incorporated or not, conducted solely for the benefit of its members and their beneficiaries and not for profit, operated on a lodge system with ritualistic form of work, having a representative form of government, and which provides benefits in accordance with this Article, is hereby declared to be a fraternal benefit society. (1987, c. 483, s. 2.) § 58-24-5. Lodge system. (a) A society is operating on the lodge system if it has a supreme governing body and subordinate lodges into which members are elected, initiated or admitted in accordance with its laws, rules and ritual. Subordinate lodges shall be required by the laws of the society to hold regular meetings periodically in futherance of the purposes of the society. (b) A society may, at its option, organize and operate lodges for children under the minimum age for adult membership. Membership and initiation in local lodges shall not be required of such children, nor shall they have a voice or vote in the management of the society. (1987, c. 483, s. 2.) § 58-24-10. Representative form of government. A society has a representative form of government when: (a) It has a supreme governing body constituted in one of the following ways: (1) Assembly. – The supreme governing body is an assembly composed of delegates elected directly by the members or at intermediate assemblies or conventions of members or their representatives, together with other delegates as may be prescribed in the society's laws. -
2008 Annual Report
OKLAHOMA 101ST ANNUAL REPORT & DIRECTORY OF INSURANCE AND RELATED COMPANIES OKLAHOMA INSURANCE DEPARTMENT|800.522.0071|405.521.2828|WWW.OID.OK.GOV KIM HOLLAND, INSURANCE COMMISSIONER The Honorable Brad Henry, Governor of Oklahoma The Honorable Chris Benge, Speaker of the House The Honorable Mike Morgan, President Pro Tempore The Honorable Glenn Coffee, Co-President Pro Tempore The Honorable Steve Burrage, State Auditor and Inspector I am pleased to present to you the 2007 Annual Report of the Oklahoma Insurance Department. This report is established by the provisions of Oklahoma Statutes Title 36 § 307 and summarizes the activities of the Oklahoma Insurance Department through the period ending Dec. 31, 2007. In addition to the required financial disclosures and listing of companies operating in Oklahoma, this report highlights the work of the Oklahoma Insurance Department on behalf of Oklahoma taxpayers. Sincerely yours, Kim Holland Oklahoma Insurance Commissioner The Oklahoma Insurance Department is accredited by the National Association of Insurance Commissioners (NAIC). To achieve this accreditation, the department must meet stringent national standards that demonstrate it effectively regulates insurance companies for solvency and market conduct. Commissioner Holland and the staff of the Oklahoma Insurance Department view accreditation by the NAIC as an important part of our commitment to the citizens of Oklahoma. Accreditation standards enable us to provide expanded consumer protections and to institute and maintain the highest standards -
Labor Flexibility, Legal Reform and Economic Development
Georgetown University Law Center Scholarship @ GEORGETOWN LAW 2009 Labor Flexibility, Legal Reform and Economic Development Alvaro Santos Georgetown University Law Center, [email protected] This paper can be downloaded free of charge from: https://scholarship.law.georgetown.edu/facpub/295 50 Va. J. Int'l L. 43-106 (2009) This open-access article is brought to you by the Georgetown Law Library. Posted with permission of the author. Follow this and additional works at: https://scholarship.law.georgetown.edu/facpub Part of the International Law Commons, and the Labor and Employment Law Commons GEORGETOWN LAW Faculty Publications March 2010 Georgetown Public Law Research Paper No. 10-14 Labor Flexibility, Legal Reform and Economic Development 50 Va. J. Int’l L. 43-106 (2009) Alvaro Santos Professor of Law Georgetown University Law Center [email protected] This paper can be downloaded without charge from: Scholarly Commons: http://scholarship.law.georgetown.edu/facpub/295/ SSRN: http://ssrn.com/abstract=1573554 Posted with permission of the author Labor Flexibility, Legal Reform, and Economic Development * ALVARO SANTOS Introduction ............................................................................................ 44 I. The Debate over Labor Market Institutions ................................ 47 A. The Case for Flexibility of Labor Institutions ...................... 49 B. Skeptics of Labor Flexibility ................................................ 50 C. The State of the Empirical Evidence ................................... -
Simply GOVERNANCE
Simply GOVERNANCE A comprehensive guide to understanding the systems and processes concerned with the running of a sustainable community enterprise 1st Edition June 2011 Published by: Co-operatives UK Holyoake House Hanover Street Manchester M60 0AS Tel: 0161 246 2900 Fax: 0161 831 7684 email: [email protected] web: www.uk.coop © Copyright: Co-operatives UK 2011 Co-operatives UK is the national trade body that campaigns for co-operation and works to promote, develop and unite co-operative enterprises. Co-operatives UK aims to bring together all those with a passion and interest in co-operative action. Design, artwork and illustration by www.wave.coop Printed on recycled paper. You can get details of other publications from our website. This guide has been produced as part of the Making Local Food Work Project. ISBN: 978-0-9549677-2-7 Foreword Co-operatives UK has come up with a This guide demystifies governance in worthy sister publication to the highly a way that makes it possible for every respected Simply Legal guide. member of any community enterprise to understand how their organisation ticks Good governance is critical to the success and how they can engage positively with of any enterprise and is particularly the rest of the membership to ensure the important in an enterprise which is owned organisation is effective, accountable and by a large number of people. It is vital to sustainable in all senses of the word. balance the needs and aspirations of all members in a way that also allows the David Button membership to participate in the decision- Chair, Co-operatives UK making process.