Top 10 Insurance companies in Spain are as follows:

1. Knight Insurance company
This is an independent insurance company which was founded in 1966. Since its beginning this company was working for the elite class of Spain but in the recent past it has made certain developments and policies which are according to needs of the common man. This indeed has helped not only the people and the company but also the system on the whole.

2. Spain Agency
This is a typical Spanish based company which is serving the people for the last three generations so to speak of. This company has a very sound setup in which there is no discrimination among the people and the claim of the people is settled in a very short time.

3. Integra Global
This is typically a health insurance provider company working in Spain. Recently it has also launched its offices worldwide due to an increase in its market. Along with providing substantial health Insurance to the people, this company also provide the people with beneficial advices related to health.

4. Clements International
This is a worldwide insurance provider which has set its own standards in the field. This Company is not limited to any specific type of insurance rather it covers almost all the daily life insurance of the common man. They provide top quality customer services to the people and do not compromise on this.

5. Adeslas
This company is attributed to be the first Health insurance company in Spain. Their policies are widely ranged and let the customer to choose from the lot so that he might be able to configure that what is good for him and also he may not blame the company in the future for any wrong chosen policy.

6. Allianz
This is a worldwide recognized insurance company majorly known for its supreme services which it provide to its customers. This company has flexible interest as well as premium rates which allows even a common man to make deals with this company. From this company you will get something which you deserve and which is according to your needs.

7. Europe Assistance
This Company is also one of them which has its offices worldwide. Mostly this company operates in major part of Europe.The one thing which makes it different from other companies is that their online services are just awesome and let the people do all their deals online which is absolutely secure and make you feel like you are conversing one to one.

8. Genesis
This Insurance Company is solely related with Car Insurance. The facilities of this company are really unique which attracts the customers big time. Their profit and bonus is comparatively more than the other companies and equal to the leading insurance brands of worldwide recognition.

9. INOV Insurance
This Company is aiming for the betterment of the foreign people residing in Spain by providing them with certain financial and insurance benefits. They are highly dedicated to their work and their whole staff is working to achieve further success for the company.

10. Lapoliza.com
As the name indicates, the major work or should i say the whole work of this company is done through Internet which facilitates the people and let them know about the recent developments and new inductions in the company regarding insurance through this channel.

Here is some information about these insurance companies in Thailand.

1. AIA Insurance Thailand
AIA insurance company in Thailand is quite famous for their services, and they are ranked to be on top because of their security options and unbelievable services which they are offering.

2. BUPA Thailand
More than 25 years experience is being gained by this Thailand’s top insurance service providing firm. They are known to be  leading specialist in case of professional and corporate members.

3. AXA Insurance PCL
AXA informed insurance policy regarding decision making has made it popular amongst the people. They aim high to give quality insurance advice to their customers.

4. QBE Insurance (Thailand) Company Limited
QBE insurance company is considered to be one of the top class Limited insurance companies who have  expand steadily from a number of years. From 1989, till today they abet in giving strong support to their customers.

5. Worldcare Travel Insurance – Travel Insurance Online
Worldcare travel insurance is a type of online servicing firm who have gathered a team of online professionals or specialists with them. They abet in giving them a guidance for sake of travel insurance or holiday insurance purposes.

6. Premier International Healthcare
Premier international healthcare, you might be well aware with this Thailand’s insurance firm. This is only because of  lawsuits and medical insurance arm options which are available with them on affordable rates.

7. Ayudhya Allianz C.P. Life Public Co. Ltd.
Whether there is a need to have some unique kind of life insurance, marvelous health insurance plans or some outclass assets security insurances there is a need to get oneself entangled with this firm which is allocated in Thailand.

8. Thai Life Insurance Co. Ltd.
Thai life insurance company is an insurance policy providing firm, which is especially made for sake of life insurance purpose. That abet in getting pockets covered with secured income in future.

9. Trafalgar International Ltd.
Trafalgar international ltd. offers used to include the broking services which are provided by very less number of firms, that’s why they are out class insurance firm.

10. The Navakij Insurance Public Co. Ltd.
Motile insurance options which are available in Thailand’s famous firm i.e. navakij insurance uses to give a strengthening kind of aptitude to its customer. Which means that there would be positive end results which would be definitely attained through it in future.

1. ABSA insurance company
This is a leading worldwide insurance providing company which has its network spread in almost whole Africa. Not just it provides quality insurance services, it also makes the people aware about the latest happenings in the field of insurance by giving them useful advices relating to insurance.

2. AIG South Africa
This is also a worldwide leader in insurance providing companies which is working successfully in South Africa since the past many years. This Company is unique in its behavior that it provides its customers with something that others cannot think of. Besides that, there customer service is also superb.

3. Auto insurance
As the name indicates, this company deals in Auto Insurance but recently this company has made efforts to widen its sphere and has included general insurances to its policies. This is a small sized insurance company, but due to their struggle they have made themselves enable to be among the top ten.

4. Alexander Forbes Insurance
This is also a worldwide leading insurance company which is serving the nation for the past many years. One basic thing that distinguishes it from the other companies is that the claim that their customers make is settled within a short time and the customer do not have to wait long.

5. BOE Insurance Company
The customers of this company does not have to worry about their wealth because this is one of the most reputed insurance company in the region. This company claims to solve all the wealth concerns of the people and no doubt this is doing that quite nicely.

6. Compass Insurance Company
This is a business model to the insurance market because this company though not established on a very big scale yet its effort and sheer hard work has put this company among the top of the region.

7. Credit Insurance
As the name indicates, this company mostly deals in credit related insurance. One feature of this company is that they provide credit Insurance along with credit products which are in the market. This company has its own stature in the local as well as the international market.

8. Hollard Insurance
This company is aiming to make a difference in the insurance sector and to present to the people something new and in order to do that, they have made substantial efforts which are heading the people to the right track related to Insurance and these efforts are quite positive.

9. Nedcor Insurance Company
This is an extension of the bank so the policies and major deals they do are according to the bank standards. Their main objective is to empower the people by providing them with deals which have a strong affect on their life without effecting them financially which is a great task.

10. Rand Mutual Insurance
The history of this company relates back to mining industry which in 1894 founded this company. Initially it was a non profit company but later on as the time went by, it started to provide some extra quality services to the customers which in turn gained them a reputable position in the market.

1. Allianz

This company has its own reputation worldwide and is one of the leading insurance provider company in the world. In Russia it is highly recognized and rated as the top company. There good service to the customers makes them even more efficient.

2. AIG Russia

As the name (American international Group) indicates, this company was founded with the assistance of America but it soon stood on its own feet and took over as a sole Russian insurance Company. It was founded almost more than a century ago but its effort is highly appreciated.

3. ROSNO Insurance

This Company is working under a wide group of network, known as the ROSNO group of network. They aim at the upbringing of the people by providing them with many benefits which they can cash upon. This Group has one of the most widely distributed networks of Insurance Companies.

4. APOSTLE

This insurance Company has great value for its customers because they provide its customers with great luxuries along with flexible interest rates which adds to their liability. A new in the era but has coped with all the pressure and problems and has stood as a leading insurance Company.

5. URALSIB Insurance Group

This Company provides insurance of almost every kind and every aspect, because this is a Leading Group in Russia which provides the people with almost every kind of insurance. Their large network has not made them compromise on the various factors including the need of the people.

6. Vista Alliance Insurance Company

"Vista" is a Group which is offering its services in the market but it has launched Insurance programs for the people recently. Their good reputation in the market has urged people in Russia to make insurance deals with them and the people are being satisfied by their good services.

7. SOGAZ Insurance Group

This Company was founded around 2 decades back and is serving as one of the oldest Insurance Company in the federation. Good customer Service, highly trained staff and their will to serve the people makes them the leading Insurance Company of the Russian Federation.

8. Safe Insurance Line

This Company was built on a relatively small budget but that did not affect their mode of dealing with the people and that is why people also show faith in them and make subsequent deals with them. Their tireless efforts have made them very popular among the people of Russia.

9. Russian Insurance Centre

This is a state Company which is being funded by the state because the state also wants the upbringing of the people of Russia. This Company also looks after the transfer of funding being done at the higher level.

10. ING Life Insurance

As the name indicates, this Insurance Company deals in Life Insurance. Their market value is simply very good but there is still lot to travel by the Company in order to stand side by side with the leading Insurance Companies.

Remember the ‘good’ old Indian school punishments? Holding the earlobes with arms crossed over your chests, bending the knees and then sit and then stand and so on till the time Masterji is saying?

Ever thought why the traditional Indian school teachers would give this particular punishment? I believe even majority of the teachers who grant this punishment to their students do not know the reason behind it. This form of punishment has been in practice in our country since the Gurukul time and was given to the students who were weak in studies. That is a different question if now a days teachers grant this punishment for any mistake and not only for studies but originally it was meant for weak students only.

Talking about the logic behind this punishment, it is very interesting to know that this particular posture increases the blood flow in the memory cells in brain and synchronizes the right and left side of the brain to improve function and promote calmness, stimulates neural pathways via acupressure points in the earlobe, sharpens intelligence and also helps those with autism, asperger’s syndrome, learning difficulties and behavioral problems.

Probably we have forgotten this ancient method of increasing memory power but the West is now using is very diligently and they are recommending this posture or exercise to treat many a diseases.

Brazil is the 17th largest insurance market in the world and the largest in Latin America. As of July 2013, the market had about 130 insurance companies and the top 10 largest insurance groups accounted for approximately 83% of insurance premiums. Bancassurance is the dominant distribution channel for individual life insurance and retirement savings products in Brazil. The dominant players for Bank Insurance Model include Banco Bradesco, Itau Unibanco, Caixa Economica Federal, Banco do Brasil, ING, HSBC and Santander. The size of Brazil's life insurance market is expected to increase from US$35 billion in 2011 to US$60 billion in 2015.

1. Allianz Brasil (Allianz Seguros S.A.) 
A subsidiary of a German multinational insurance group Allianz SE. It provides a wide range of insurance products including life, health and auto insurance. The company was formerly known as AGF Brasil Seguros S.A. and changed its name in 2008.

2. Bradesco Vida e Previdencia 
A subsidiary of Banco Bradesco. It is one of the top providers of life and pension products in the country. As of March 2012, the company had over 22.3 million life insurance policies.

3. Brasilprev Seguros e Previdencia 
One of the largest private pension companies in Brazil. It operates as a subsidiary of Banco do Brasil. As of March 2012, Brasilprev had over US$30 billion in total assets.

4. Caixa Vida e Previdencia
A subsidiary of Caixa Seguros S.A. The company was established on March 14, 2000 and offers life insurance and pension services. As of March, 2012, it had US$10.2 billion in total assets.

5. Companhia de Seguros Aliança do Brasil (Alianca do Brasil) 
A subsidiary of Banco do Brasil. The company provides life insurance, property insurance, credit insurance and rural insurance. As of March 2012, Alianca do Brasil had US$2.2 billion in total assets.

6. COSESP 
Companhia de Seguros do Estado de São Paulo

7. HSBC Vida e Previdência (Brasil) 
A subsidiary of HSBC Seguros (Brasil) SA. HSBC Seguros operates as a subsidiary of HSBC Bank (Brasil) S.A. – Banco Múltiplo.

8. Icatu Hartford Seguros 
A subsidiary of Grupo Icatu. The company was established in 1991 and is headquartered in Rio de Janeiro, Brazil.

9. Itau Vida e Previdencia 
A subsidiary of Itaú Unibanco. The company offers life, health, auto insurance and pension products.

10. Mapfre Vera Cruz Vida e Previdência 
A subsidiary of Mapfre America Vida SA. The company offers a wide range of insurance and pension products.

11. MetLife Brasil (Metropolitan Life Seguros e Previdencia) 
A subsidiary of MetLife International Holdings. The company was founded in 1999 and is based in São Paulo.

12. Porto Seguro 
The largest auto insurer in the country with over 10,000 employees. The company also provides life, health, home, accident, travel and cargo insurance. Porto Seguro operates in Brazil and in Uruguay.

1. Tesco Compare Car
Compare policy features, not just price. Free and convenient service from a name you can trust.

2. AVIVA Car Insurance
Up to 20% online discount

3. Admiral
Admiral's comprehensive insurance policy includes lots of great benefits as standard

4. Sainsbury's Finance Car Insurance
Sainsbury's Car Insurance- Underwritten by U K Insurance Limited
Car insurance for as little as £224 - 10% of new customers who bought Sainsbury's car insurance from 1st of September 2012 - 28th February 2013 paid £224 or less.  Source : U K Insurance Limited. A wide range of benefits including a courtesy car included as standard while your car is being repaired by an approved repairer, subject to availability.
5 year guarantee on car repairs when using an approved repairer.
Windscreen repair or replacement

5. NatWest
NatWest does car insurance! - immediate cover available

6. LV= Car Insurance
With up to 75% no claim discount isn't it time you found out how much you could save?
Multi Car discount when you insure two or more cars with us which recommended Car Insurance provider July 2012
Awarded 5 Stars by Defaqto
Info And Reviews

7. esure Car Insurance
A car insurance policy with esure offers you more. You get a comprehensive package of benefits included in your policy - like a free courtesy car if your car is being repaired by one of our recommended repairers. If you have 5 years no claim discount we give you an instant 70% discount, rising by 1% every additional claim free year you renew your existing policy with us, up to a maximum of 75%. Terms and conditions apply

8. Swiftcover Car Insurance
Swiftcover has taken the pain out of getting car insurance. There are no queues, no unnecessary chat and no endless questions.

9. Churchill Car Insurance
Buy Churchill car insurance and get 12 months for the price of 10 on Car Insurance! Churchill Car Insurance customers can also benefit from:
-  Uninsured driver cover
-  24 hour recovery helpline
-  Repairs guaranteed for 5 years when you use an approved repairer

10. Barclays Car Insurance
Barclays Car Insurance search their panel of leading insurers to find their cheapest quote

There are numerous companies who rate insurance firms on numerous financial power aspects to be able to help customers make much more informed choices (insurance provider ratings)

If you’re looking for insurance, you need to look to have an organization that’s existed a whilst, with an established ability to settle claims in the event that you’re in an accident.

The insurance providers listed below  may offer a mix of property, injury, life, and/or wellness insurance coverage, along with a range of financial products too.

Insurance businesses, much such as other big corporations, don’t always focus on just something. However, they do often stick in order to insurance as well as financial providers.

There are a large number of insurance companies available to select from; some concentrate on only one kind of insurance or even one particular region of america.

It’s not essential to purchase an insurance plan from among the companies in the above list to make sure you receive sufficient coverage or even service.

Actually, it’s recommended that you simply obtain quotes online and talk to an independent insurance professional to make sure you receive the best coverage in the lowest cost

Here are your Top 10 Insurance Companies in the USA

1. Allstate Insurance
2. State Farm Insurance
3. Travelers Insurance
4. Prudential Insurance
5. Fidelity Insurance
6. MetLife Insurance
7. Farmers Insurance
8. AIG Insurance
9. The Hartford Insurance
10. MassMutual Insurance

Here is a list of top 10 Insurance companies in India; these are the best companies in life insurance and finance sector. Ranking process of companies is being frequently updated by our expert team.

1 |Life Insurance Corporation of India (LIC)
Website – www.licindia.in
Corporate Office – Mumbai, Maharashtra | Employees - 115900+ |
Business –  Financial services | Establishment – 1956 |
Details – Best Insurance Company in India dominating the market since then it established in market. In other word, It is the synonyms of Insurance in India, most important they have best settlement ratio.

2 | SBI Life Insurance
Website -www.sbilife.co.in
Corporate Office – Mumbai, Maharashtra | Employees – 7300+ |
Business –  Insurance | Establishment – 2001 |
Details -State bank of India life insurance is a joint venture between BNP Paribas Cardif holding 74:26 ratios. It has great hold in Indian market as far as concern of Finance and banking sector, best in insurance sector after LIC.
Top 10 Insurance Companies in India | Insurance Sector

3 | Birla Sunlife Insurance 
Corporate Office – | Employees – 133000+ |
Business –  Financial services | Establishment – 2000 |
Website -www.birlasunlife.com
Details - It is finacial and Insurance company, a Joint venture of Aditya Birla and Sun life Insurace. Company offers life insurance products including health, wealth and retiral plans.

4 | Reliance Life Insurance (RLIC)
Website -www.reliancelife.com
Corporate Office – Navi Mumbai,Maharashtra | Employees – 1000+ |
Business –  Insurance | Establishment – 2001 |
Details – Company is group company of Reliance, among of top insurance company in India. In year 2011 Nippon life insurance, Japan acquired 26% share in this company.
Top 10 Insurance Companies in India | Insurance Sector

5 | ICICI Prudential Life Insurance
Corporate Office – United Kingdom | Employees – 15000+ |
Business – Life Insurance | Establishment – 2000 |
Website -www.iciciprulife.com
Details – ICICI prudential is a joint venture between ICICI and prudential Plc, United kingdom. ICICI Prudential offers wide range of Insurance Products including health, wealth, life insurance, medical insurance and retiral solutions.

6 | Tata AIG Life Insurance 
Website -www.tataaiginsurance.in
Corporate Office – Mumbai, Maharashtra | Employees – — |
Business – Insurance | Establishment – 2001 |
Details – Tata AIG is a joint venture between Tata and AIG, It is flagship company of Tata group. Started insurance business in year 2001, company launched many insurance products such as Motor, travel, health and accidental insurance.
Top 10 Insurance Companies in India | Insurance Sector

7 | ING Vysya Life Insurance 
Website -www.inglife.co.in
Corporate Office – Bangalore, Karnataka | Employees – 7800+ |
Business –  Insurance | Establishment – 2001 |
Details – ING vysya is a insurance company offers insurance policies and retiral plans. It has been serving in more than 200 cities in India and almost 10 lacs customer base.

8 | Bajaj Allianz Life Insurance
Website -www.bajajallianz.com
Corporate Office – Pune | Employees – 1000+ |
Business – Insurance | Establishment – 2001 |
Details – It is a private Insurance company offers many insurance plan & policies including ULIP, pension plans and term Insurance.
Top 10 Insurance Companies in India | Insurance Sector

9 | Max Life Insurance
Website -www.maxlifeinsurance.com
Corporate Office – New Delhi | Employees – 8000+ |
Business –  Financial Services | Establishment – 2000 |
Details – Max life insurance is another private company offers Insurance plans for everyone.

10 | HDFC Standard Life Insurance
Website -www.hdfclife.com
Corporate Office – Mumbai, Maharashtra | Employees – 15500+ |
Business – Insurance | Establishment – 2000 |
Details – Group company of giant Housing development finance corporation, it is joint venture with Standard life Insurance.

Did you know that once you hit 40 years of age, whether you're a man or a women, your body starts aging FASTER than normal? Studies have shown that without the proper nutrients and exercise, your body will age about 6 months EXTRA for every year that passes. Think about that! If you are 40, that means by the time you hit 44 you will LOOK and FEEL 48. And by the time you reach 60, you will LOOK and FEEL 70 YEARS OLD! We see this every day... just look around you.

Did you know that 90% of people over the age of 35 lose enough muscle every year to burn off an additional 4 pounds of body fat? That means you not only lose the only thing on your body that creates shape, tone, and strength—you also gain more fat every year, even if your calories stay the same.

Did you know that all of this is reversible at any age? That there are specific ways to move, eat, and think that tell your brain to STOP this rapid aging process... and even SLOW IT DOWN to the point where you're aging less than a year for every year? That means you can look younger at 40 than you do at 35... or if you're like Becky and I, younger at 50+ than we did at 40!

This is not fantasy talk. This does not require a boatload of anti-aging drugs, supplements, or gimmicks. And, this works for anyone, male or female, and works at any age. 35, 45, 55, 65, 75... you name it. The biology is exactly the same.

My years as editor-in-chief at Iron Man Magazine have allowed me to peer into the secret routines of the anti-aging experts. Over the years, both Becky and I have picked up SO many tips, tricks, and strategies that have allowed us to literally reverse the aging process, at least from a cellular level. That means our body's look, feel, and MOVE younger than our chronological age.

We've taught this System to countless men and women over the years, and it always begins with these 5 key principles you must apply in order to STOP the rapid onset of aging that's going on right now, reverse it, and begin "aging backwards" by restoring your body's natural youth hormones.

That said, we have to warn you: What you are about to hear may go against all the conventional diet and exercise advice you've been hearing. That's because the world has, to be utterly frank, gone soft! "Core training", hot yoga, spin classes, tai chí all of these are just fine, but they won't slow your aging, and they certainly will never shape your muscles or burn off stubborn body fat. No way!



Step 1: Forget Low-Fat Diets

Forget Low Fat!Low fat everything has been the craze now for decades and look around. What has that wonderful bit of advice done for the bodies you see? We're fatter, sicker, and more addicted to sugar and carbs than any other time in history. And, we're passing these habits to our kids.

Fats are not to be feared – they're to be embraced. They do not make you fat; rather, they help your body regenerate your power hormones. Testosterone, the 'strength' hormone, for example, is the direct result of cholesterol and dietary fat intake. That's right: "Cholesterol" isn't a dirty word! Your body needs dietary fat and cholesterol in order to produce ANY AND ALL vital hormones.

People on low fat diets look drawn, gaunt, and weak. They are often sick, sometimes to the point of literally breaking down. And, they can never just enjoy eating out. Every meal and every gram must be accounted for. Do you really think this will make you younger? Of course not... it will worry you to death if it doesn't kill you first!


Step 2: Stop Running in Circles

Stop Spinning Your Wheels!Gym classes can be fun, if you like sitting in one place and torturing yourself. But have you noticed how little people change their bodies in these classes? Sure, it's good "cardio", but cardiovascular conditioning can be gained with far less time and effort.

Treadmills, and any form of endurance training (especially running) does very little to help the age reversal process. Many times, these long-duration exercise bouts accelerate the aging process by increasing free radicals. These free radicals are scavengers that prey on your body's essential nutrients and tissues.

There's a smart way to exercise... we'll cover that in a minute. And, what's wonderful is that it takes you about ¼ the time of traditional workouts. We'll cover more details on the next page.


Step 3: Stop Blaming Everything On How Old You Are

Stop Spinning Your Wheels!The guys to the left are not fat because they are old—they're fat because they eat, think, and move like a fat, old, dying person! Becky and I are both in our 50s—older than the guys in this photo—and I still sport a nice six-pack, and Becky transformed her body from the typical "middle age mom" to a slim, toned, and super-sexy woman who looks 10 years younger. (See the next page for photos!)

Listen: Your body doesn't own a clock. Studies have shown that men and women in their 90s were able to gain muscle tone in just a matter of weeks of simple weight training. I've personally seen men and women transform their physiques at literally all ages—25 to 95!

If you're around those naysayers who are constantly talking about growing old, all their aches and pains, and how life is just down hill after 40—LEAVE! Surround yourself with positive thinkers who absolutely crave a challenge. A challenge is what keeps you YOUNG, and the best challenge there is happens to be taking control of your health and body.


Step 4: Avoid Chronic Dehydration

Drink Your Water!Water isn't just "good for you" — water burns fat. Water suppresses hunger. Water renews your skin. Just drinking 12 ounces of pure water every day can take a few years off your face in a matter of weeks. You'll also drop fat, have more energy, and save your kidneys and liver from chronic overwork.

When your kidneys are taxed from too little water, your liver has to take over. Now, get this: Your liver is your number one fat-burning organ. Do you REALLY want it processing liquids and toxins rather than BURNING FAT? No way, right? Well, grab a glass of water, and watch the mirror. Within a few weeks, the change to your face and body will be noticeable.


Step 5: Work Out LESS (Yes, Less)

Work Out LESSIf you don't work out at all, you're going to lose muscle tissue every year. That means you'll get fatter and flabbier each and every year with less shape and more sag. Is this what you desire? No way, right?

Well, the answer is old school resistance training. Here's the secret: hardly anyone is doing it right!

Becky and I have seen literally thousand of pro fitness athletes train over the years. The ones who looked the best — and that means looked the youngest, most toned, and had the least amount of unwanted fat — were the ones who left the gym while others were still warming up!

Over the past decade, Becky and I have developed a men and women's workout system that we call F4X Training System. This is a revolutionary way of combining four specific exercises done in literally a matter of minutes. That's ALL YOU NEED... And don't let anyone tell you otherwise!

That's right: We do not do endless cardio sessions (the F4X Training System is a great cardiovascular workout) and we do not spend an hour a day in the gym. We have a life, thank you. We have kids, and we value being both fit and real people at the same time. The F4X Training System was our personal breakthrough to achieving our ideal bodies, staying in tip-top shape with minimal time, and having a life outside a gym.

Insurance companies are primarily of 2 types – life insurance and non-life insurance such as auto, property, casualty insurance etc. Here is the list of top 10 insurance companies across the world, 2012 ranking.

1. Berkshire Hathaway
Market Cap (in US$bn) = 201.135
The very fact that all of Berkshire’s major insurance subsidiaries are rated AAA by Standard & Poor’s, and A++ by A. M. Best stand testimony to their global standing as no. 1 in the field of insurance. The exceptionally high capital strength maintained by its subsidiaries is its most significant differentiating factor. It offers automobile insurance through GEICO, property/casualty reinsurance through General Re, life insurance through NRG and government bond insurance through Berkshire Hathaway Assurance.

2. China Life Insurance
Market Cap (in US$bn) = 73.371
Based out of Beijing, it is the largest insurance company in Asia. It is listed in 3 markets - the Hong Kong Stock Exchange, the Shanghai Stock Exchange and the New York Stock Exchange – the first Chinese insurance company to achieve this distinction. Though it originally began as fire and marine insurance providers, it now primarily focuses on individual and group life insurance.

3. American International Group
Market Cap (in US$bn) = 58.480
Popularly known as AIG, it is based out of New York City. It underwrites commercial and industrial insurance along with life insurance (with the acquisition of American General Life Insurance) and travel insurance (through Travel Guard). AIG suffered heavily during the global financial meltdown in 2008 which resulted in downgrade of its credit rating and had to be bailed out by the government.

4. Allianz
Market Cap (in US$bn) = 54.245
This German company is the largest insurance company in the European market offering both health/life insurance as well as property/casualty insurance. In India, it has formed a joint venture with Bajaj Finserv Limited called the Bajaj Allianz General Insurance Company Limited which also offers travel and motor insurance. Allianz’s marketing activity revolves around sports with a football stadium in Munich named Allianz Arena.

5. Ping An Insurance
Market Cap (in US$bn) = 51.463
Ping An Insurance offers life insurance, property and casualty, and health insurance. With foreign investors in its shareholding structure, Ping An is the first Chinese insurance company to have done so. HSBC holds minority stake in the company which it plans to sell in 2013.

6. AIA
Market Cap (in US$bn) = 44.133
Though the acronym stands for American International Assurance, it is based out of Hong Kong where it is the market leader with a market share of more than 25%. In India, it operates through 26% stake in a JV with Tata Sons offering accident and health insurance in addition to life insurance. Primarily strong in Asia, AIA is now looking at expanding its wings to the rest of the world.

7. Metlife
Market Cap (in US$bn) = 39.719
Metropolitan Life Insurance Company, popularly known as just MetLife, began its journey insuring Civil War sailors and soldiers against casualties. To this date, Metlife is the largest life insurer in the United States. Though it provides a host of financial services, insurance accounts for more than 50% of its revenues. Metlife uses popular cartoon characters from Peanuts, most notably Snoopy in all its advertising.

8. Zurich Insurance Group
Market Cap (in US$bn) = 39.559
Based out of Zurich, and hence the name, Zurich Insurance Group is the biggest Swiss insurance company. It offers general insurance, life insurance and farmers’ insurance. It features in both Interbrand’s top 100 brands as well as Fortune Global 500 companies.

9. AXA
Market Cap (in US$bn) = 39.017
AXA offers life as well as non-life insurance (savings, property and casualty). Based out of France, AXA is rated the best insurance brand by Interbrand for 3 consecutive years. AXA entered India forming a JV with Bharti Enterprises called the Bharti AXA Life Insurance Company Ltd.

10. ING
Market Cap (in US$bn) = 31.863
Headquartered in Netherlands, the ING group offers life insurance, banking and asset management services. In India, ING holds 26% stake in the ING Vysya Life Insurance Company. ING has been closely associated with around sports, sponsoring many marathons like the New York City Marathon and the Renault F1 team from 2007 to 2009.

1- Ingat yang kita tak melahirkan robot, tapi seorang manusia. Walaupun masih kecil, anak-anak ini sudah mempunyai emosi yang kadang-kadang ok, atau kadang-kadang merasa tidak selesa dan marah dengan sesuatu. Maka tugas kita sebagai ibu bapa untuk memujuk dan mendidik mereka dengan sebaiknya.

2- Menangis atau meragam adalah cara anak kecil berkomunikasi dan menyampaikan kepada kita sesuatu maksud. Mungkin mereka ingin memberitahu kepada kita yang mereka demam, sakit perut, minta bantuan kita untuk sesuatu dan sebagainya. Sebaiknya periksa dulu apa yang membuatkan anak menangis.

3- Ingat bahawa ingatan anak kecil sangat kuat dan mudah mengikut perbuatan dan percakapan kita. Kita pastinya tidak mahu anak- anak kita membesar menjadi seorang yang pemarah dan emosi yang tidak stabil. Jaga percakapan dan tingkah laku kita daripada melampaui batas.. Elakkan daripada menyebut perkara-perkara negatif kepada anak kecil.

4- Bersyukur yang kita dikurniakan anak. Berapa ramai pasangan suami isteri di luar sana yang tidak mendapat cahaya mata. Bersyukur yang Allah maha pemurah kerana memeberikan kita peluang menjadi ibu dan ayah.

5- Fikirkan yang jika sesuatu yang tidak baik berlaku kepada anak kita, pastinya kita akan merasa terkilan kerana memarahi mereka yang bukan-bukan. Pastinya juga kita akan menyesal yang tidak berkesudahan.

6- Banyakkan istighfar dan selawat jika kita mula hilang sabar. Jika merasa hendak marah yang amat sangat, biarkan anak seketika. Ambil masa untuk kita tenangkan diri, dan pada masa yang sama anak juga dapat bertenang seketika. Bila sudah dapat menenangkan diri, pujuk anak kembali.

7- Fikirkan adakah kita mahukan anak yang sihat, boleh menangis dan meragam.. atau pun mempunyai anak yang tidak menangis dan meragam, tapi hanya terlantar kesakitan?? pastinya kita akan merasa bersyukur kerana anak-anak masih sihat walaupun kadang-kadang meragam.

8- Banyakkan memperdengarkan anak-anak dengan bacaan Al-quran, supaya hati mereka lembut dan mudah mendengar kata.

9- Bercakap kepada mereka dengan lembut kerana jika kita bercakap kasar dan meninggikan suara, itu langsung tidak akan menyelesaikan masalah. Fikirkan bagaimana perasaan kita jika ada orang memarahi kita sebegitu.

10- Fikirkan yang anak-anak menangis atau meragam kerana mungkin nak mendapatkan perhatian kita. Muhasabah diri mungkin kita kurang memberi masa dan kasih sayang kepada mereka.

The other day my friend and I we talk about Insurance. His idea of guide to life insurance. I am not 100% agree to his idea.   

His simple guide to life insurance.

Life insurance is an insurance. It is used to protect against of the risk of lost of income. For example, let's say A is the bread winner of the family. If something happen to A ( for example die in an accident), you will not longer have income from A. The family still need to survive. Life insurance can provide/replace some portion of the income so that the family still can survive. In some circumstances, A will suffer some form of disability and can no longer work, life insurance provide some compensation to help the family to survive too. Please noted that in Malaysia, the protection against disability is limited to what is specified in the policy. In advanced countries like USA, they have disability insurance that pays as long as you cannot work regardless whatever the cause is. This kind of disability insurance does not exist in Malaysia. In summary, life insurance is used to protect against the loss of income and disability.

So, does life insurance makes sense to you??

1) Do you have dependents?

A) If you are single and have no dependent, it really does not make much sense to buy life insurance.

B) If something happen to me, I would like to leave something for my parents. Is your parent depend on your income for survival?? If answer is no, why buy life insurance?? If you want leave something for your

parent, why not give your parent the money now?? Save the money from insurance premium and give to your parent now every month.

2) If you are home maker and makes no income, why buy life insurance??

3) If you are married and your family depend on you to provide income, in general, you should buy life insurance.

4) However, it may NOT be worthwhile for you to buy life insurance if you have a lot of savings (more than 200K). In general, life insurance in Malaysia get very expensive for payment greater than 200K.

All my comments does not necessary apply to medical insurance. Do your own research to find out what is right for you. If your insurance agent cannot explain to you why you should buy life insurance, why are you buying??

The very complicated and complex thing about insurance in Malaysia is that we do not have pure term life insurance. All insurance product in Malaysia is normally a combination of life insurance, disability protection and medical protection. In most cases, unless your insurance agent is good and you do a lot of research, you really have little or no idea what you are buying. I am not qualify to tell you what you should buy and how much to buy in each circumstances.

The bottom line is you need to know is

1) what are you protect against??

Life, disability, medical

2) What is the likelihood for each risk at your age??

3) What is the cost for each option??

4) What is the maximum pay and deductible in each situation??

Insurance is used to protect against the situation where you do not have enough resources to cover. You need to buy just enough so that when the bad thing happen, you are covered. Buy, you should NOT buy so much that it costs too much to you.

1. Berikanlah ubat paracetamol dengan sukatan yang dibenarkan oleh doktor.

2. Bukakan pakaian anak dan gunakanlah tuala basah yang direndam di dalam air sejuk untuk menyapu pada bahagian muka, kepala, leher, ketiak, depan dan belakang badan serta kaki. Selimutkan bahagian dada anak dengan tuala kering (bagi mengelakkan anak mendapat batuk) dan biarkan tanpa pakaian untuk beberapa jam.

3. Biarkan tuala sejuk tersebut pada bahagian pelipat ketiak dan dahi.

4. Berikan susu dan air masak dengan kerap bagi mengelakkan anak anda dari mengalami dehidrasi.

5. Anak yang kelihatan lemah sewaktu demam adalah menunjukkan tanda lebih sakit, berbanding anak yang masih aktif walaupun demam.

6. Bukakan tingkap bilik / rumah bagi memastikan pengudaraan rumah dalam keadaan lancar dan tidak berhawa panas. Buka kipas atau kekalkan suhu penghawa dingin pada paras 27°c.

7. Sekiranya terdapat tanda-tanda seperti ruam pada badan, bintik di dalam mulut, muntah tanpa henti, cirit-birit, anak mengalami kekejangan / sawan serta tanda-tanda lain yang membimbangkan segera bawa anak berjumpa dengan doktor bagi mendapatkan rawatan lanjut. Seelok-eloknya bawa anak pergi ke hospital / klinik yang menyediakan rawatan khusus untuk kanak-kanak.

8. Sentiasa pantau keadaan demam anak kerana demam yang berlarutan lebih daripada 2 hari memerlukan rawatan segera di klinik mahupun di hospital

Do you know that nearly 90% of Malaysians are clueless on the types of policies they have bought over the years. They have been paying for the policies with assumption that it will pay them in full no matter what their claims are without understanding the underlying limitations! And most of them not even know what are they paying for. Common reason of Malaysian buying policies is mainly because the agent is their friends, family etc. and some even bought the policy based on the branding and marketing "claims" that it's the No.1 insurance company in Malaysia. Please be noted that branding of the insurance company won't help you at all! What matters the most is in your policy documents! Most people won't even bother to read the term and condition clearly but just blindly listen to the agent! Different medical plans in Malaysia have different limitation! There's no such thing as all medical insurance are the same!!

If you already have policies, please get them reviewed and I promise you will get the shock of your life!!! Make a choice to understand the limitations of your policies before its too late! Don't just sit and get quotation thru email for comparison in premium cost and investment return but sit down with financial advisor who can help you and assist you in choosing the best medical plan based on your needs, budget and how to avoid costly mistakes.

The most crucial aspect of claiming is what documented in your policy document, you need to understand the fine prints, black and white! You need to know how to avoid and save yourself from burning ship before its too late! Because health changes overnight!!!

An experienced agent would have done many hospitalisation claims for his/her clients over the years. Through the experience, one can tell what it gonna work for you & what can be the biggest financial cost of your life!! 

If you have a choice to choose:

1. Which one is the smarter choice?

A) Company A pays 90% of your Medical Bills- 10% Co Insurance borne by policy holder

B) Company B pays 100% of your Medical Bills fully

2) Are you aware of the difference between Inpatient Hospitalization & Outpatient Treatment in your policy? Why is it separated in your Medical Schedule of Benefits?

3) What are the limitations in your policy Vs the Actual Cost of Hospital Bills in Malaysia

Actuaries are highly trained individuals with such intelligence to determine the risk factor before getting a plan approved by Bank Negara. Do not just take the word of an agent verbally, but always look at the fine prints black&white, and the Cost of Insurance chart in the policy documents- understand the pros and cons clearly before you make any Costly Mistakes especially during Hospital Claim!

**Please take note- this is mainly to create awareness for Malaysians to Make A Smart decision before its too late!!

1. Campurkan segenggam asam jawa dengan air sejuk dan lumurkan pada kepala dan seluruh anggota badan. Asam jawa berfungsi untuk menyejukkan badan dan menurunkan suhu panas pada badan.

2. Mandikan anak dari paras bawah anggota badan hingga ke atas secara perlahan-lahan iaitu bermula dari kaki, punggung, badan dan akhir sekali pada bahagian kepala.

Banyak kes dan kejadian yang tidak diingini berlaku apabila demam anak dibiarkan begitu sahaja. Penting untuk kita sebagai ibu bapa memastikan kesihatan anak berada dalam keadaan yang stabil.

PADA 5 JULAI 2013, Bank Negara menguatkuasakan peraturan baru menghadkan: (i) pinjaman peribadi setakat 10 tahun maksimum (dahulu 25 tahun); pinjaman hartanah dan rumah 35 tahun (dahulu 45 tahun), dan (iii) tidak membenarkan lagi pinjaman pra kelayakan.

Alasan yang diberikan Bank Negara adalah untuk menangani kenaikan hutang isirumah yang meningkat dari RM465.2 bilion pada tahun 2008 kepada RM754.6 bilion pada pertengahan tahun 2013. Dengan harga rumah mahal, harga kereta mahal dan kos hidup yang mahal, rakyat Malaysia adalah ‘juara’ dalam membuat hutang, iaitu hutang isirumah kita adalah 140% berbanding dengan pendapatan, Singapura 105%, Amerika 123%, Korea 101%, Thailand 53% dan Indonesia 38%. 

Akibat hutang yang banyak ini, kadar individu yang diisytiharkan bankrap pada tahun 2012 ialah 19,575 ataupun 53 orang sehari dalam setahun, di mana 50% adalah dari golongan berumur 25-44 tahun. Jumlah individu yang bankrap dari tahun 2007 sehingga 2013 adalah 245,000 orang yang mana faktor utamanya adalah disebabkan oleh kegagalan untuk membayar pinjaman (hutang). 

Persoalannya, kenapa hutang rakyat kita tinggi? Menurut data Bank Negara, 64% pinjaman yang dibuat oleh isirumah adalah dari pinjaman perumahan dan kereta sahaja. Pinjaman peribadi jatuh ke tempat ketiga paling banyak. 

Pertanyaannya, mengapa harga rumah mahal sehingga boleh membuatkan kita terhutang sampai ke tua? Bila rakyat bertanya hal ini, jawapan pemaju mudah sahaja, iaitu kerana barang kos pembinaan seperti simen, pasir, batu-bata dan seribu satu macam perkara lain lagi naik harga. Bagi ahli ekonomi, mereka menjawab kerana permintaan melebihi penawaran. 

Saya pun hairan kenapa kerajaan tidak boleh mengawal harga rumah ini? Apakah payahnya sangat untuk kerajaan menetapkan harga rumah mampu milik kepada rakyat, iaitu rumah yang boleh dibeli oleh golongan berpendapatan sederhana yang harganya dalam lingkungan RM100-RM200 ribu sahaja.

Ini kerana saya lihat harga rumah yang ditetapkan oleh pemaju sekarang sudah di luar dari istilah rumah mampu bilik. Bayangkan bagaimana seorang yang baru bekerja boleh memiliki rumah jika harga rumah dua tingkat di Bandar Baru Bangi dengan keluasan 20”X70” pun sudah mencecah RM500 ribu. Bayangkan harga rumah kondominium di Bangsar yang seluas 2,000 kaki (185 meter) persegi dijual pada harga RM2.4 juta seunit dan harga sebuah rumah semi-D di Sri Hartamas berharga RM1.5 juta. Siapakah yang mampu membelinya?

Bayangkan pula kalau ada hutang kereta, anak kecil 3 orang, kena beli lampin anak, bayar orang gaji, kad kredit, pakaian, persekolahan, minyak kereta dll, maka apa lagi yang tinggal? Bagaimana mungkin mampu untuk membeli rumah semahal ini jika pendapatan suami isteri hanya RM5 ribu sebulan sahaja dengan bayaran yang ditetapkan dalam masa 35 tahun. Jika suami isteri berpandapatan RM5 ribu pun tidak mampu, bagaimana bagi mereka yang berpendapatan lebih rendah dari itu?

Saya cukup risau dengan harga rumah yang tidak terkawal dan over priced ini. Sekarang ini pun dengan gaji RM6 ribu sebulan, belum tentu dapat membeli rumah yang berharga RM400 ribu. Andaikan si pembeli meminjam RM400 ribu sahaja daripada bank dengan purata kadar faedah enam peratus setahun, peminjam perlu membayar ansuran bulanan sebanyak kira-kira RM2,400 selama 30 tahun. Ini bermakna peminjam yang membeli rumah teres pada usia 30 tahun hanya akan habis membayar hutang pada usia 60 tahun. Persoalannya, berapa ramaikah rakyat kita memiliki pendapatan RM6 ribu sebulan sekarang?

Apabila melihat kepada masalah harga rumah yang semakin ‘tidak masuk akal’ sekarang ini, saya terpanggil untuk membincangkan masalah ini. Saya sedih melihat nasib rakyat yang terhimpit dengan masalah ini kerana biarpun sudah berumur 45 tahun dan berkelulusan universiti, sehingga sekarang pun masih ‘menyewa’ lagi. Itu belum lagi mengambil kira mereka yang bekerja di bawah dari tahap gaji pegawai yang berkelulusan universiti.

Atas masalah harga rumah yang tinggi ini, saya mencadangkan kepada pihak kerajaan supaya mengambil tindakan berikut:

i. Turunkan kadar faedah daripada 4% kepada 2% sahaja untuk pinjaman kerajaan dan dari 6% kepada 3% sahaja untuk pinjaman bank bagi rumah pertama. Ambil perhatian kerajaan Kelantan tidak mengenakan faedah kepada kakitangan awamnya dan Public Bank hanya mengenakan kadar faedah sebanyak 1% sahaja kepada kakitangannya.

ii. Naikkan elaun perumahan untuk kumpulan sokongan dari RM180 sebulan kepada jumlah yang lebih wajar. Di Kuala Lumpur, sewa sebilik pun sudah RM250-500 sebulan. Bagi pekerja swasta pula, kerajaan perlu mewajibkan syarikat membayar elaun perumahan kepada pekerjanya campur dengan gaji minimum yang baru diwajibkan.

iii. Kerajaan sendiri membina lebih banyak rumah sesuai dengan permintaan dengan tidak lagi menyerahkannya kepada pemaju swasta. Sekiranya syarikat swasta mahu juga membinanya, kerajaan perlu meminda akta supaya segala pembangunan perumahan yang dilakukan oleh syarikat swasta hendaklah mengikut syarat-syarat ketat harga yang ditetapkan kerajaan supaya harga menjadi terkawal dan tidak lagi melampau.

iv. Menteri Perumahan yang baru sepatutnya merangka mekanisme untuk menurunkan harga rumah sama ada dengan mengurangkan kos pembinaan dan lain-lain tindakan yang wajar.

v. Jika harga rumah mahal disebabkan oleh harga tanah, maka kerajaan hendaklah menetapkan harga siling bagi setiap kaki persegi tanah kerana tanah adalah milik kerajaan yang boleh dikawal.

vi. Jika harga tanah di bandar mahal untuk membangunkan perumahan, maka binalah apartment ‘layak duduk’ yang sesuai untuk golongan berpendapatan rendah. Mereka tetap perlu disediakan rumah kerana itu adalah keperluan asas manusia yang perlu disediakan oleh kerajaan untuk rakyatnya. Jangan pula cari alasan ‘kalau ayam mahal jangan makan ayam’, atau ‘kalau rumah di bandar, mahal sewa atau belilah rumah di kampung’. 

Saya yakin jika kerajaan boleh membuat pelbagai program seperti Hari Sukan, Hari Wanita dan Hari Belia dengan kos yang berjuta, tentunya tidak sukar bagi kerajaan untuk mengambil langkah lebih adil bagi menyediakan perumahan kepada rakyat ini.

Mengingatkan tentang hutang rakyat kita yang terlalu tinggi dan ramai lagi dari kalangan mereka yang masih belum mempunyai rumah sendiri, hati saya mengeluh. Semoganya tidak lagi selepas ini.

Peranan ibu bapa dalam mendidik anak adalah tanggungjawab yang besar dalam melahirkan insan yang soleh dan solehah..kadang-kadang memenuhi permintaan anak-anak adalah diluar kemampuan ibu bapa. Mari kita sama-sama bermuhasabah diri dan merenung sejauh mana kesilapan kita didalam mendidik anak..

40 KESILAPAN IBU BAPA


1. Pemilihan jodoh tanpa memperhitungkan mengenai zuriat

2. Perhubungan suami isteri tanpa memperhitungkan mengenai zuriat

3. Kurang berlemah lembut terhadap anak-anak

4. Memaki hamun sebagai cara menegur kesilapan anak-anak

5. Tidak berusaha mempelbagaikan makanan yang disajikan kepada anak-anak

6. Jarang bersama anak-anak sewaktu mereka sedang makan

7. Melahirkan suasana yang kurang seronok ketika makan

8. Membeza-bezakan kasih sayang terhadap anak-anak

9. Kurang melahirkan kasih sayang

10. Sering mengeluh di hadapan anak-anak

11. Tidak meraikan anak-anak ketika mereka pergi dan pulang dari sekolah

12. Tidak mengenalkan anak-anak dengan konsep keadilan

13. Tidak memberatkan pendidikan agama di kalangan anak-anak

14. Tidak terlibat dengan urusan pelajaran anak-anak

15. Tidak memprogramkan masa rehat dan riadah anak-anak

16. Tidak menggalakkan dan menyediakan suasana suka membaca

17. Mengizinkan anak-anak menjamah makanan dan minuman yang tidak halal

18. Tidak menunjukkan contoh tauladan yang baik di hadapan anak-anak

19. Jarang meluangkan masa untuk bergurau senda dengan anak-anak

20. Terdapat jurang komunikasi di antara ibubapa dengan anak-anak

21. Tidak menggunakan bahasa yang betul

22. Suka bertengkar di hadapan anak-anak

23. Sentiasa menunjukkan muka masam di hadapan anak-anak

24. Tidak membimbing anak-anak supaya mematuhi syariat

25. Memberi kebebasan yang berlebihan kepada anak-anak

26. Terlalu mengongkong kebebasan anak-anak

27. Tidak menunaikan janji yang dibuat terhadap anak-anak

28. Tidak menunjukkan minat kepada aktiviti anak-anak

29. Tidak memupuk semangat membaca di kalangan anak-anak

30. Tidak berminat melayan pertanyaan atau kemusykilan anak-anak

31. Tidak memberi perhatian terhadap buah fikiran anak-anak

32. Lambat memberi penghargaan kepada anak-anak

33. Kerap meleteri sesuatu kesilapan yang dilakukan anak-anak

34. Hukuman yang tidak setimpal dengan kesalahan yang dilakukan

35. Sering mengancam dan menakutkan anak-anak

36. Menghukum tanpa menyatakan kesalahan yang dilakukan

37. Tidak konsisten dalam menjatuhkan hukuman ke atas anak-anak

38. Memberi nasihat yang sama kepada anak-anak

39. Tidak tegas mendidik anak-anak

40. Tidak menggalakkan anak-anak hidup bekerjasama

TOP 10 GENERAL INSURANCE

Kurnia Insurans (Malaysia) Berhad

Kurnia Insurans has grown to become one of the leading general insurers in the country and region. A part from having a well-recognised brand, a solid foot holdin the motor insurance sector and gross premiums exceeding the RM1 billionmark, Kurnia Insurans also features an impressive network which consists of a workforce of 1,200 employees and 30 branches across Malaysia. The company also runs operations in neighbouring Thailand and Indonesia.

Allianz General Insurance Company (Malaysia)

Berhad Allianz General Insurance Company (Malaysia) Berhad (“Allianz General”) is the leading general insurer in Malaysia and has a broad spectrum of services in personal lines; small to medium enterprise business and large industrial risks. Allianz General recorded RM852.5million in GWP for the first six months of 2012. This is an increase by 14.2% as compared to RM746.7 million in 2011.

Etiqa Insurance Berhad

Etiqa Insurance Berhad was the result of the merger between Malaysia National Insurance (MNI) Berhad and Takaful Nasional Sdn Berhad.Functioning as the insurance and Takaful arm of Maybank Group. Etiqa Insurance Berhad today is the longest Takaful operator in Malaysia with a 2,000-strong employee force and is a true multi-channel distributor of insurance and Takaful products via its 23,000 agency force, 30 Insurance and Takaful branches, more than 450 Maybank branches, ATMs andother third-party banks, providing full accessibility and total convenience to customers

MSIG Insurance (Malaysia) Berhad

MSIG, a member of MS&AD Insurance Group is a subsidiary of Mitsui Sumitomo Insurance Group.MSIG has become one of the largest general insurers in Malaysia with a nationwide network of 20 branches. It has a multi-channel distribution network established in partnerships with agents,brokers, motor franchise, local and Japanese corporate clients as well as partnership programmes with financial institutions.

Chartis Malaysia Insurance Berhad

Chartis Malaysia Insurance Berhad’s presence in Malaysia can be traced back to the 1920 in Kuala Lumpur and it became a locally incorporated Malaysian insurance company in 2008. Today, the company provides its services to businesses and individuals via its 16 offices nationwide making use of a network of more than 3,000 professional agents, brokers and staff. It is part of the Chartis Group, one of the world’s leading general insurers that serves more than 70 million clients worldwide and has one of the industry’s most extensive range of products and services, deep claims expertise and excellent financial strength.

Berjaya Sompo Insurance

Berhad Berjaya Sompo Insurance Berhad,previously known as Berjaya General Insurance Berhad, beganits operations in Malaysia in 1974. It became known as Berjaya Sompo Insurance Berhad after Sompo Japan Insurance Inc – Japan’ssecond largest insurance company– purchased a 30% equity stake inthe company from Berjaya Capital Berhad. Sompo Japan Insurance Inc has 41 offices and subsidiaries in 27 countries. Currently, Berjaya Sompo has a network of 22 offices in Malaysia providing a wealth of experience and expertise to policyholders.

Uni.Asia General Insurance Berhad

Uni.Asia General Insurance Berhad was the brainchild of a strategic partnership between DRB-HICOM Berhad and United Overseas Bank Group. DRB-HICOM is one of the largest integrated groups in Malaysia and has contributed significantly to the region’s industrialisation.The United Overseas Bank (UOB) Group was founded in 1935 and United Overseas Bank (Malaysia)Berhad was incorporated in 1993.It is a subsidiary of United Overseas Bank Limited (UOB), a leading bankin Singapore with an international network comprising 385 offices in18 countries and territories in Asia Pacific, Western Europe and North America. It is their mission to see Uni.Asia General grow into a leading force in the general insurance industry.

AmG Insurance Berhad

Formerly part of the composite insurance (life and general) operation of AmBank Group, AmG Insurance Berhad is a general insurer which carries the Am Assurance brand. It leverages on an extensive distribution network which consists of the AmBank Group’s 190 bank branches, 19 AmAssurance branches plus 2,900 agents who provide the services forthe insurer’s one million policy holders.

MCIS Zurich Insurance Berhad

The merger between MCIS Insurance and Zurich Malaysia a decade ago culminated in a strategic and synergic amal gamation that is complemented by decades of local knowledge and strong global links. Currently, MCIS Zurich boasts a total of 400,000 policy holders in the country and has assets in excess of RM3 billion with a solid record for good corporate governance.

AXA Affin General Insurance Berhad

Born of a joint venture between AXA Group and Affin Holdings Berhad – the former being a long-serving leader in the local finance services industry – AXA Affin General Insurance Berhad has earned its keep as one of Malaysia’s most profitable insurance providers. The company employs 3,000 agents and 700 employees, spread across 21 branches nationwide to serve its 300,000 policy holders. It also provides services in formulating comprehensive plans specially designed for SME businesses as well as providing insurance services in specialist fields such as Marine and Trade Credit Insurance.

Adalah dikisahkan….pada ketika seorang bayi akan dilahirkan ke dunia nyata.

* Bayi itu bertanya kepada Tuhan nya : “Para malaikat di sini mengatakan bahawa besok Engkau akan mengirimkan saya ke dunia, tetapi bagaimana cara saya hidup di sana? Saya begitu kecil dan lemah.”

Tuhan menjawab: “Aku telah memilih satu malaikat untukmu. Dia akan menjaga dan mengasihimu dengan sepenuh hatinya.”



*Bayi bertanya lagi: “Tetapi disini, didalam syurga ini, apa yang saya lakukan hanyalah bernyanyi, bermain dan tertawa…Inikan sudah cukup bagi saya untuk berbahagia.”

Tuhan menjawab: “Malaikat mu nanti akan bernyanyi dan tersenyum untukmu setiap hari. Dan kamu akan merasakan kehangatan cinta dan kasih sygnya dan menjadi lebih berbahagia di sana”

* Bayi bertanya lagi: “Bagaimana mungkin saya dapat memahami orang-orang bercakap dengan saya sedangkan saya tidak memahami bahasa mereka?”

Tuhan menjawab: “Malaikatmu akan berbicara kepadamu dengan bahasa yang paling indah yang pernah kamu dengar. Dan dengan penuh kesabaran dan perhatian. Dia akan mengajar kepadamu cara untuk berkata-kata.”

* Bayi bertanya lagi: “Apakah yang boleh saya lakukan ketika saya ingin berbicara kepadaMu?”

Tuhan menjawab: “Malaikatmu akan mengajarkan bagaimana cara kamu berdoa dan bermunajat kepadaKu.”

* Bayi bertanya lagi:”Saya mendengar bahawa di Bumi banyak orang jahat. Siapa yang akan melindungi saya nanti?”

Tuhan menjawab: “Malaikatmu lah yang akan melindungimu, walaupun mungkin jiwa dan raga terpaksa dikorbankannya.’

* Bayi bertanya lagi: “Tapi, saya pasti akan merasa sedih kerana tidak lagi dapat melihatMu lagi.”

Tuhan menjawab: “Malaikatmu akan menceritakan kepadamu tentang Aku dan akan mengajarkan bagaimana kamu nanti akan kembali juga kepadaKu, walaupun sesungguhnya Aku akan sentiasa disisimu.”

Pada saat itu, Syurga begitu tenang dan hening sehingga suara dari Bumi dapat jelas kedengaran.

* Dan sang bayi bertanya perlahan : “Tuhan, jika saya terpaksa pergi sekarang ini, bolehkah Kamu khabarkan kepadaku nama malaikat yang Kamu maksudkan itu?”

Tuhan menjawab: “Kamu akan memanggil malaikatmu itu sebagai “IBU”. Maka ingatlah, sentiasa kamu berkasih sayang dengannya dan menghargai setiap pengorbanan ibu mu. Berbakti, berdoa dan cintailah dia sepanjang masa. Dialah satu-satunya harta mu yang tiada galang gantinya, dunia mahupun akhirat.”

Dan untuk para Ibu, ingatlah kisah ini dikala kamu hilang sabar dengan karenah anak-anak mu yang sedang membesar. Sesungguh nya Syurga itu dibawah telapak kakimu.

Insurance companies have been operating in the country for decades,serving the needs of all and sundry. Top 10 of Malaysia looks at some of the country’s leading life and general insurers (presented in no particular order).


LIFE INSURANCE

Great Eastern Life Assurance (Malaysia) Berhad

The company’s tagline, ‘Life is Great!’ aptly reflects its ambition for continuous growth. Great Eastern currently employs more than 21,000 agents and has 21 operational branches in the country alone. Today, Great Eastern benefits from a wide network across South-East Asia – one which covers neighbouring countries: Singapore, Brunei and Indonesia as well as China and Vietnam. It is also the largest life insurance company in Singapore.

American International Assurance (AIA) Berhad

AIA Berhad is the largest independent listed pan-Asia life insurance group in the world. In Malaysia, the insurer boasts a network of 23 branches and markets a portfolio of life insurance products via a multi-distribution system.

Allianz Life Insurance Malaysia Berhad

Allianz Life Insurance Malaysia Berhad (Allianz Life) offers a comprehensive range of life and health insurance and investment-linked products. Allianz Life has been recorded as one of the fastest growing life insurers in Malaysia and continues to show strong growth with RM621.6 million in GWP for the first six months of 2012, increasing by 12.5% since last year.

Prudential Assurance Malaysia Berhad

Prudential Assurance Malaysia Berhad (PAMB) is part of Prudential plc of the United Kingdom and was established in Malaysia in 1924.Currently it has the backing of some1,300 employees and over 13,000 agents and wealth planners to offer its full range of financial solutions through 43 branches nationwide

Mayban Life Assurance Berhad

Mayban Life Assurance Berhad(Mayban Life) is the life insurance subsidiary of Maybank which started operations in 1993. The absence of an agency force sets Mayban Life apart from the rest. Its products are not distributed by life agents,but by trained specialists located in Maybank branches throughout Malaysia. Mayban Life customises its life insurance schemes exclusively for Malaysians from all walks of life and that incudes financial planning for children’s education, retirement,protection and investment schemes.

Tokio Marine Life Insurance Malaysia Berhad

Tokio Marine Life is the preferred life insurer with over 130 years of global experience and over 60 years of local presence in delivering solid propositions to their customers through its products and services.Tokio Marine Life is a member of Tokio Marine and Nichido Fire Insurance Co., Ltd, the oldest and largest non-life insurance company in Japan with more than17,000 employees, 46,000 agents and operates in 446 cities over 39 countries* worldwide. It is has a credit rating** of AA- by Standard & Poor’s, Aa3 by Moody’s and A++ by A.M. Best.

Zurich Insurance Malaysia Berhad

Zurich Insurance Malaysia Berhad was born when Zurich Insurance Group acquired Malaysian Assurance Alliance Berhad from MAA Holdings in 2011. Acquiring a wealth of talent, the company is powered by an employee base of more than 1,000 people, excluding 4,500 life agents and 3,000 general insurance agents.

Manulife Malaysia

Manulife Malaysia has long enjoyed a presence in Malaysia,albeit under different names.Having first been established as a branch of Bahamas-based British American Insurance Co, it went on to become British American(Malaysia) Insurance Berhad and later, John Hancock Life Insurance Berhad before becoming Manulife Malaysia as it is known today.Currently, the company serves its customers through its 1,900 agents and 50 branches spread across the Peninsular and East Malaysia.

Hong Leong Assurance Berhad

Hong Leong Assurance Berhad (HLA) has been operating in Malaysia as a general insurance company under the name, Malaysia Pacific Insurance Berhad in 1972 but only added the life insurance business into its range of products and services a year later. HLA today is one of Malaysia’s leading domestic brands for financial planning and protection solutions, specialising in Life Insurance products and services

Renungan Bersama:

1) Jangan pukul anak dari lutut keatas

2) Jangan gunakan tangan/anggota tubuh kita utk memukul anak dengan tangan dan jangan sesekali menampar anak pakai tangan kita. nanti anak jadi bertambah degil dan nakal dan tak boleh control

3) Rotan/pukul anak di telapak kakinya . Secara saintifiknya ada kaitan dengan refleksologi dan merangsang ke bahagian otak

4) Mulakanlah hidup anak anda dengan nama panggilan yang baik. Nama panggilan yang kurang baik akan menyebabkan anak anda malu dan merasa rendah diri. (Dalam Islam sendiri nama panggilan yang baik adalah digalakkan).

5) Berikan anak anda pelukkan setiap hari (Kajian menunjukkan anak yang dipeluk setiap hari akan mempunyai kekuatan IQ yg lebih kuat daripada anak yang jarang dipeluk)

6) Pandanglah anak anda dengan pandangan kasih sayang (Pandangan ini akan membuatkan anak anda lebih yakin diri apabila berhadapan dengan persekitaran)

7) Berikan peneguhan setiap kali anak anda berbuat kebaikan (Berilah pujian, pelukkan, ciuman, hadiah ataupun sekurang-kurangnya senyuman untuk setiap kebaikan yang dilakukannya).

8) Janganlah mengharapkan anak anda yang belum matang itu melakukan sesuatu perbuatan baik secara berterusan, mereka hanya kanak-kanak yang sedang berkembang. Perkembangan mereka buatkan mereka ingin mengalami setiap perkaratermasuklah berbuat silap.

9) Apabila anda berhadapan dengan masalah kerja dan keluarga,pilihlah keluarga (Seorang penulis menyatakan anak-anak terus membesar. Masa itu terus berlalu dan tak akan kembali).

10) Di dalam membesarkan dan mendidik anak-anak, janganlah tuan/puan mengeluh. Keluhan akan membuatkan anak-anak merasakan diri mereka beban.

11) Dengarlah cerita anak anda, cerita itu tak akan dapat anda dengari lagi pada masa akan datang. Tunggu giliran anda untuk bercakap (Ini akan mengajar anak anda tentang giliran untuk bercakap)

12) Tenangkan anak anda setiap kali mereka memerlukannya.

13) Tunjukkan kepada anak anda bagaimana cara untuk menenangkan diri. Mereka akan menirunya.

14) Buatkan sedikit persediaan untuk anak-anak menyambut harijadinya. Sediakanlah hadiah harijadi yang unik walaupun harganya murah. Keunikan akan membuatkan anak anda belajar menghargai. (Anak2 yg dtg daripada persekitaran yang menghargai akan belajar menghargai orang lain).

15) Kemungkinan anak kita menerima pengajaran bukan pada kali pertama belajar. Mereka mungkin memerlukan kita mengajar mereka lebih daripada sekali.

16) Luangkanlah masa bersama anak anda diluar rumah, peganglah tangan anak-anak apabila anda berjalan dengan mereka. Mereka tentu akan merasa kepentingan kehadiran mereka dalam kehidupan anda suami isteri.

17) Dengarlah mimpi ngeri anak-anak anda. Mimpi ngeri mereka adalah begitu real dalam dunia mereka.

18) Hargailah permainan kesayangan anak anda. Mereka juga dalam masa yang sama akan menghargai barang-barang kesayangan anda. Elakkan daripada membuang barang kesayangan mereka walaupun sudah rosak. Mintalah kebenaran mereka sebelum berbuat demikian.

19) Janganlah membiarkan anak-anak anda tidur tanpa ciuman selamat malam,

20) Terimalah yang kadangkala anda bukanlah ibubapa yang sempurna. Ini akan mengurangkan stress menjadi ibu bapa.

21) Jangan selalu membawa bebanan kerja pejabat ke rumah. Anak-anak akan belajar bahawa kerja pejabat selalunya lebih penting daripada keluarga.

22) Anak menangis untuk melegakan keresahan mereka tetapi kadangkala cuma untuk sound effect sahaja. Bagaimanapun dengarilah mereka, dua puluh tahun dari sekarang anda pula yang akan menangis apabila rumah mula terasa sunyi. Anak-anak anda mula sibuk mendengar tangisan anak mereka sendiri.

   Berita terbaru dari Suruhanjaya Siasatan Diraja (RCI) berhubung pendatang haram di Sabah. Seorang saksi dari etnik Sulu yang menggunakan nama "No Name" dalam sijil lahirnya selama hampir 40 tahun. Mahat Haji Ismail, 65, berkata sijil lahirnya dikeluarkan pada 1948 dan bapanya tidak sempat untuk menguruskan pertukaran nama disebabkan kesibukan tugas di Hospital Tawau. "Bapa kerja di hospital ... sibuk tak sempat mahu uruskan, jadi surat beranak keluar nama 'No Name',"katanya kepada panel inkuiri di Mahkamah Tinggi Kota Kinabalu hari ini.Beliau menjelaskan, penukaran namanya hanya dibuat pada tahun 80an, dengan Jabatan Pendaftaran Negara (JPN) kemudiannya membuat penukaran melalui satu cop pengesahan di belakang surat beranak beliau menggunakan namanya sekarang.

    Kes sepertinya bukan kes terpencil kerana terdapat banyak individu yang mempunyai nama "No Name".

Kenyataan itu turut disokong oleh panel inkuiri, Tan Sri Herman Luping yang turut mempunyai kenalan daripada ahli politik yang mempunyai sijil kelahiran dengan nama "No Name".

    "Masalah ini bukan perkara luar biasa, ia juga tidak hanya kepada masyarakat Sulu, tetapi juga terjadi  kepada suku kaum Kadazan. Saya kenal seorang pemimpin politik yang menukar namanya daripada 'No Name', dan juga seorang wanita yang menggunakan nama 'No Name' sepanjang hayatnya," kata Herman.

    Pegawai penyiasat inkuiri, Jamil Aripin kemudiannya membangkitkan kesukaran yang mungkin dihadapi individu seperti Mahat sekiranya kerajaan memutuskan untuk menarik balik kad pengenalan warga Sabah bagi mengenalpasti warga asing yang memperolehi kad pengenalan secara tidak sah ekoran perbezaan nama dalam sijil lahir, dan ada antara mereka yang tidak mempunyai sijil lahir. 

   Sebelum ini, saksi ke-169, Ismail Johari, 75, yang juga berketurunan Sulu turut tidak mempunyai sijil lahir kerana kelahirannya tidak didaftarkan. Ismail lahir sebelum Sabah menyertai Malaysia dan hanya mengetahui tarikh lahirnya ditandakan di atas bakul yang digunakan ibunya untuk ke pasar.

    "Ayah kata itu tarikh lahir saya ... Saya tiada daftar kelahiran," katanya yang juga berasal dari Tawau.

Sebelum ini terdapat beberapa badan bukan kerajaan dan pemimpin politik yang mempertikaikan nama "No Name" dalam daftar pemilih, dan mendakwa pengundi dengan nama berkenaan adalah pengundi hantu. Isu "Projek IC" yang didapati bermula lewat tahun 1970an juga telah mencetuskan kemarahan banyak pihak apabila pendatang asing dari Filipina, Indonesia dan Pakistan telah diberikan kad pengenalan bagi membolehkan mereka mengundi dalam pilihan raya umum. 

    RCI juga mendedahkan beberapa saksi yang mengakui menerima kad pengenalan yang sah melalui cara yang salah.

    Ismail yang merupakan generasi ketiga keluarganya di Sabah mengakui kepada panel yang diketuai bekas Hakim Besar Sabah dan Sarawak, Tan Sri Steve Shim Lip Kiong bahawa sekiranya kad pengenalan tidak dikeluarkan kepada warga asing, parti politik pembangkang akan menang di Sabah.

"Pemimpin-pemimpin (politik) ini kadang-kadang susah juga. Kalau tak pakai orang asing kita kalah, pembangkang menang," katanya lagi.

    Sementara itu saksi terakhir untuk sesi inkuiri kali ini, Juak Borneo, 61, yang dilahirkan di Semporna turut tidak mempunyai sijil lahir ekoran dilahirkan di atas bot. Ketua Kampung Bangau-Bangau dari etnik Bajau Laut itu turut mengakui masih ramai masyarakat Bajau Laut yang tidak memiliki dokumen kewarganegaraan ekoran akses yang terhad ekoran mereka menghabiskan hayat di laut.

    "Saya dilahirkan di atas perahu, sebelum ini tidak ada pengenalan diri ... hanya apabila JPN datang menaiki bot ke kampung kami baru kami mendaftar warganegara," katanya kepada panel inkuiri, dan menambah perkara itu dilakukan sekitar tahun 1960an. Beliau turut berkata, ekoran kesukaran itu, ramai anak-anak Bajau Laut tidak dapat bersekolah kerana tidak mempunyai dokumen pengenalan diri.

    "Kami hidup pindah-randah di laut, ikut arah angin dan ombak, kadang-kadang angin tolak pergi pulau sini, buat pondok, nanti angin tolak pergi pulau lain," katanya.

    Daripada sekitar lebih 5,000 penduduk Bajau Laut di kampung berkenaan, Juak menganggarkan hanya sekitar 3,000 etniknya yang memiliki kad pengenalan merah.

    "Kalau kami pergi ke tanah beli barangan keperluan kami akan ditahan dan anak dan isteri akan menangis seolah-olah berlaku kematian," katanya menjelaskan, bagi masyarakat Bajau Laut, ditangkap pihak berkuasa adalah mimpi ngeri buat mereka.

    "Antara kami yang tidak memiliki dokumen itu merasakan kami warganegara, tetapi sebenarnya kami tidak memiliki sebarang pengenalan diri," tambahnya.

    Justeru beliau turut mengharapkan agar kerajaan mempertimbangkan tindakan yang sewajarnya diambil kerajaan bagi membolehkan etnik Bajau Laut ini diberikan kerakyatan.

    "Kerajaan perlu keluarkan (dokumen) walaupun berbentuk sepucuk surat sahaja, (mereka) wajar diberikan penentuan pengenalan diri supaya mereka boleh bergerak seiring dengan kehidupan org lain."

Ini kisahnya... kepada pemilik website yang melanggan domain *.co.cc yang tiba-tiba mendapati website milik anda tidak dibuka lagi. Ini jawapan yang telah dikemukakan oleh google. Salah satut website saya yang menggunakan domain co.cc tidak boleh diaksess begitu lama. Untuk membolehkannya diekess semula oleh pengguna internet, kenalah ubah setting.

Google has blocked all .co.cc websites from its search results because the domain has been found to be too "spammy." The .cc top-level domain, which belongs to the Cocos (Keeling) Islands, and regular .cc websites are unaffected by Google's changes, according to The Register.

The .co.cc second-level domain, meanwhile, is not officially authorized (like .co.uk or .com.au). Instead, it is owned by an independent Korean company. The firm claims to have 11,383,736 registered domains and 5,731,278 user accounts. If those numbers are accurate, that means Google has blocked one of the largest domain extensions in the world (bigger than both .org and .uk by over 2 million domains), or simply put, 11 million websites in one fell swoop.

"We absolutely do try to be granular, but I wanted to mention that if we see a very large fraction of sites on a specific freehost be spammy or low-quality, we do reserve the right to take action on the freehost as a whole," Matt Cutts, head of Google's web spam team, said in a statement. "I think most savvy search/SEO folks would understand this completely, but I figure it's better to over-communicate than under-communicate."

Google considers the Korean company a freehost, which is a domain that will let anyone register a site under it. There are many high-quality freehosts out there (such as wordpress.com), but there are of course poor ones, like .co.cc, according to the search giant. The .co.cc registry offers single sub-domains for free, and also lets you register 15,000 addresses at once for a mere $1,000 (just seven cents a name).

The Anti-Phishing Working Group (APWG) recently released a 29-page report titled "Global Phishing Survey: Trends and Domain Name Use in 2H 2010" (PDF). The report revealed that the .cc top-level domain hosted 4,963 phishing attacks in the second half of 2010, almost twice the number found under any other extension, according to the APWG.

"Google's automated malware scanning systems detect sites that distribute malware," a Google spokesperson said in a statement. "To help protect users we recently modified those systems to identify bulk subdomain services which are being abused. In some severe cases our systems may now flag the whole bulk domain."