scholarly journals Value Investment Based on Data Analysis with Comparison of Three Insurance Corporations in the US

2020 ◽  
Vol 214 ◽  
pp. 01001
Author(s):  
Jinnan Sun
Keyword(s):  
Data Analysis ◽  
Crucial Role ◽  
Insurance Industry ◽  
Investment Analysis ◽  
Insurance Companies ◽  
Specific Data ◽  
The Us ◽  
Investment Advice

Value investment analysis plays a crucial role in people’s judgment of whether an enterprise is worthy of continuing investment. Because it helps people reduce the likelihood of making a bad investment, whether it’s worth it, and how do you combine the various factors. The purpose of this paper is to analyze the value of the company’s investment in the insurance industry. AIG, ALL and MET were selected from a large number of insurance companies. Using P/E and P/S ratio to compare the prospects of several companies of the same type through specific data, investment analysis. Finally, the best companies to invest in among the three companies are obtained by combining the display situation, and give final investment advice.

HUMAN CAPITAL DI ERA DIGITAL

2020 ◽  
Vol 3 (1) ◽  
pp. 21-32
Author(s):  
Hani Damayanti ◽  
Nur Efendi ◽  
A. Rifa'i
Keyword(s):  
Human Capital ◽  
Data Analysis ◽  
Insurance Industry ◽  
Rapid Development ◽  
Development Program ◽  
Insurance Companies ◽  
Product Knowledge ◽  
Analysis Model ◽  
Digital Era

The insurance industry shows rapid development which proven by the improvement of the number of users of insurance products and high level of competition. To be able to compete in the digital era, insurance companies must be supported by marketers who have the knowledge, expertise, abilities and skills that make human capital or company assets (human capital). Human capital development program is not just a cost, but a long-term investment that can benefit the company in the long term. This study was aimed to determine, describe, and analyze the development of human capital marketers in the digital era in terms of insurance industry (Prudential Indonesia). The data analysis used was an interactive data analysis model developed by Miles & Huberman. The results of the research showed that Prudential Indonesia developed the human capital as a strategy for Prudential Indonesia to be the best and undefeated insurance industry in the digital era through continuous and up-to-date training. The development of human capital for marketers is done through the identification of human capital components, so that the marketers have product knowledge, licenses, experience, appearance, networks / connections, self-quality, independent, and creative. The other components such as motivation, support leaders, organizational atmosphere, and work group effectiveness will also influence the marketers to be able to achieve higher performance in order to compete in the digital era.   Program pengembangan human capital bukan hanya sekedar biaya, melainkan investasi jangka panjang yang dapat menguntungkan perusahaan dalam jangka waktu yang lama. Penelitian ini bertujuan untuk mengetahui, mendeskripsikan, dan menganalisis pengembangan human capital tenaga pemasar di era digital dalam industri asuransi (Prudential Indonesia). Analisis data menggunakan model interaktif yang dikembangkan oleh Miles & Huberman (2009). Hasil penelitian menunjukkan bahwa pengembangan human capital menjadi strategi untuk dapat bersaing di era digital melalui pelatihan yang berkelanjutan. Pengembangan dilakukan melalui identifikasi komponen human capital, agar tenaga pemasar memiliki pengetahuan produk, lisensi, pengalaman, penampilan, jaringan/koneksi, kualitas diri, mandiri, serta kreatif. Komponen lain seperti motivasi, support leader, suasana organisasi, dan efektifitas kelompok kerja juga akan mempengaruhi tenaga pemasar untuk dapat mencapai kinerja yang lebih tinggi agar dapat bersaing di era digital.

Abandoned Consumers: Deregulation and Fraud in the California Auto Insurance Industry

2003 ◽  
Vol 2 (1) ◽  
pp. 45-53 ◽  
Author(s):  
Robert Tillman
Keyword(s):  
Insurance Industry ◽  
Insurance Market ◽  
Insurance Companies ◽  
Auto Insurance ◽  
Goods And Services ◽  
The Us ◽  
Two Factors ◽  
Common Situation

This paper presents a case study of frauds committed by offshore companies in the California auto insurance market in the late 1980s and early 1990s. The opportunities for these crimes were created by two factors: the departure of legitimate insurance companies from the market and the adoption of deregulatory policies by state regulators. The case study illustrates some of the consequences of the increasingly common situation in the US in which consumers find themselves abandoned both by government and by legitimate providers of goods and services. The criminal consequences of this situation have also been observed in other markets.

scholarly journals An Analysis of Insurance as An Investment Strategy

2019 ◽  
Vol 13 (01) ◽  
Author(s):  
Tulja Bhavani
Keyword(s):  
Insurance Industry ◽  
Investment Strategy ◽  
Pension Plans ◽  
Insurance Companies ◽  
Insurance Markets ◽  
Middle Classes ◽  
General Insurance ◽  
The Us ◽  
Indian Insurance ◽  
India And China

Death and Risk in life are certain but Date of Death and Risk are uncertain and this is the only reason that we are happy today. Uncertainty is the fundamental fact of life and this uncertainty leads to fear of risk in life. In spite of taking all necessary precautions, accidents occur. So, Insurance is one of the best techniques to face this uncertainty. It is worth interesting to note the origin of the concept of Insurance is as old as the Second Civilization of India that is the Aryan Civilization way back in 1000BC. The Aryan Civilization or Vedic Civilization gave the idea of “Yougkshema” means a promise to provide community insurance to the risk bearers which are clearly visible in the Indian Scriptures. The global insurance industry is one of the largest sectors of finance. It ranges from consumer to corporate and industrial insurance, and even reinsurance, or insurance of insurance. The major insurance markets of the world are obviously the US, Europe, Japan, and South Korea. Emerging markets are found throughout Asia, specifically in India and China, and are also in Latin America. Indian insurance companies offer a comprehensive range of insurance plans, a range that is growing as the economy matures and the wealth of the middle classes increases. The most common types include: term life policies, endowment policies, joint life policies, whole life policies, loan cover term assurance policies, unit-linked insurance plans, group insurance policies, pension plans, and annuities. General insurance plans are also available to cover motor insurance, home insurance, The present paper aims at understanding the awareness of insurance as an investment strategy with special reference to Angel Broking.

E-Insurance :A Platform For Insurance Penetration In India

2019 ◽  
Vol 118 (6) ◽  
pp. 90-93
Author(s):  
L. Terina Grazy ◽  
Dr.G. Parimalarani
Keyword(s):  
Insurance Industry ◽  
Cost Effective ◽  
Online Marketing ◽  
Insurance Companies ◽  
The Internet ◽  
Insurance Sector ◽  
The People ◽  
Cost Effective Approach ◽  
Time And Energy ◽  
Work Done

E-commerce is a part of Internet Marketing. The arrival of Internet made the world very simple and dynamic in all the areas. Internet is the growing business as a result most of the people are using it in their day to day life. E-commerce is attractive and efficient way for both buyers and sellesr as it reduce cost, time and energy for the buyer. No surprise the insurance sector has become quite active within the internet sphere. Most insurance companies are offering policies to be brought online and also the portals for paying premiums. It actually saves from hassles involved in going to an insurance office and spend hours to get the insurance work done. Insurance has become an important and crucial aspect of life. Online insurance is the best and most cost effective approach of taking the insurance deal. This paper focused on influence of online marketing on the insurance industry in India, usage of internet in India , the internet penetration in India and the online sale of insurance product by the insurance sector.

The Usefulness of Readability Formulas in the Insurance Industry

2015 ◽  
Vol 10 (4) ◽  
pp. 339-351
Author(s):  
Katarzyna Barczuk
Keyword(s):  
Final Section ◽  
Insurance Industry ◽  
Insurance Market ◽  
Insurance Companies ◽  
Text Readability ◽  
The Given ◽  
Readability Formulas

The aim of this paper is to characterize the most important methods which are used to determine the level of text readability. The author presents practical examples of the usage of chosen methods by foreign insurance companies. The final section of the study is completed with general conclusions relating to the application of the given solutions to the Polish insurance market. 

Effective Customer Support System of Life Insurance Companies

2014 ◽  
Vol 4 (2) ◽  
Author(s):  
Rajesh Srivastava ◽  
Dr. Preeti Sharma
Keyword(s):  
Life Insurance ◽  
Economies Of Scale ◽  
New Technologies ◽  
Insurance Industry ◽  
Integrated Approach ◽  
Customer Experience ◽  
Disruptive Innovation ◽  
Insurance Companies ◽  
Insurance Business ◽  
Strategic Imperative

Increased competition, new technologies and the shift in power from the provider to the customer have produced unrelenting pressure on life insurance business. The market forces point to one overwhelming strategic imperative: customer-focused strategy. Customers are willing to build long-term relationships based on trust and mutual respect with firms that provide a differentiated and personalized service offering. Over the past few years, life insurance industry responded to intensified competition and high customer attrition by entering each other’s markets to capture greater “wallet share” and ostensibly lower their economies of scale. The service delivery process is influenced by quality of personnel, information technology, internal processes, human resource practices, and even an institution’s own change orientation. Now a day’s customers are demanding seamless, multi-channel sales and service experiences. Simultaneously, other players are looking for opportunities to invade this space or to redefine it through disruptive innovation. The result is forcing life insurance companies to examine a more balanced, integrated approach to the customer experience and growth. This research, we analyze the need, preference and satisfaction of customers in life insurance business and provide perspective on how to improve the customer experience.

scholarly journals CioSy: A Collaborative Blockchain-Based Insurance System

Electronics ◽  
2021 ◽  
Vol 10 (11) ◽  
pp. 1343
Author(s):  
Faiza Loukil ◽  
Khouloud Boukadi ◽  
Rasheed Hussain ◽  
Mourad Abed
Keyword(s):  
Data Storage ◽  
Insurance Industry ◽  
Emerging Technology ◽  
Third Party ◽  
Insurance Companies ◽  
Smart Contracts ◽  
Insurance Policy ◽  
Insurance System ◽  
Advanced Technologies ◽  
Multiple Challenges

The insurance industry is heavily dependent on several processes executed among multiple entities, such as insurer, insured, and third-party services. The increasingly competitive environment is pushing insurance companies to use advanced technologies to address multiple challenges, namely lack of trust, lack of transparency, and economic instability. To this end, blockchain is used as an emerging technology that enables transparent and secure data storage and transmission. In this paper, we propose CioSy, a collaborative blockchain-based insurance system for monitoring and processing the insurance transactions. To the best of our knowledge, the existing approaches do not consider collaborative insurance to achieve an automated, transparent, and tamper-proof solution. CioSy aims at automating the insurance policy processing, claim handling, and payment using smart contracts. For validation purposes, an experimental prototype is developed on Ethereum blockchain. Our experimental results show that the proposed approach is both feasible and economical in terms of time and cost.

scholarly journals XRD Data Visualization, Processing and Analysis with d1Dplot and d2Dplot Software Packages

Proceedings ◽  
2020 ◽  
Vol 62 (1) ◽  
pp. 9
Author(s):  
Oriol Vallcorba ◽  
Jordi Rius
Keyword(s):  
Data Analysis ◽  
Data Visualization ◽  
X Ray Diffraction ◽  
Specific Data ◽  
X Ray ◽  
Software Packages ◽  
Compound Database ◽  
Synchrotron Light ◽  
User Friendly ◽  
Transformation Processes

The d1Dplot and d2Dplot computer programs have been developed as user-friendly tools for the inspection and processing of 1D and 2D X-ray diffraction (XRD) data, respectively. d1Dplot provides general tools for data processing and includes the ability to generate comprehensive 2D plots of multiple patterns to easily follow transformation processes. d2Dplot is a full package for 2D XRD data. Besides general processing tools, it includes specific data analysis routines for the application of the through-the-substrate methodology [Rius et al. IUCrJ 2015, 2, 452–463]. Both programs allow the creation of a user compound database for the identification of crystalline phases. The software can be downloaded from the ALBA Synchrotron Light Source website and can be used free of charge for non-commercial and academic purposes.

scholarly journals Health Insurance as a Healthcare Financing Mechanism in India: Key Strategic Insights and a Business Model Perspective

2021 ◽  
pp. 025609092110270
Author(s):  
Rohit Kumar ◽  
Aditya Duggirala
Keyword(s):  
Health Insurance ◽  
Business Model ◽  
Critical Success Factors ◽  
Success Factors ◽  
Insurance Industry ◽  
Insurance Companies ◽  
Healthcare Financing ◽  
Strategic Choices ◽  
Critical Success ◽  
Health Insurance Industry

This study provides strategic insights and a business model perspective on health insurance as a vehicle for financing healthcare. It uses both primary (expert interview) and secondary data to investigate the overall disease burden and healthcare industry trends and track healthcare financing through the health insurance mechanism in India. To identify the critical success factors and to gain a business model perspective within the health insurance industry, telephonic and face-to-face interviews were held with 27 experts in the healthcare, insurance, and strategic management field. The study’s findings suggest that the growth of health insurance as a healthcare financing mechanism in India has been challenged continuously and impacted by multiple changes in the health insurance and healthcare industry over the last decade. One of the critical challenges faced by insurance companies is the high incurred claim ratio. We find the Indian health insurance industry to be very competitive and that the focus on critical success factors can help insurance companies gain a competitive advantage. The health insurance business model is unique, with varying configurations, and broadly comprises strategic choices and consequences. In this article, drawing from the strategic management literature on the resource-based view (RBV) and insights gained from the interviews of healthcare and health insurance experts, we highlight the six critical success factors relevant for competing in the health insurance business. We also list five strategic choices that can help health insurance companies improve their profitability and gain a sustained competitive advantage. We recommend that the insurance companies design and develop an innovative business model centred around lowering the claim ratio and simultaneously increasing the customer willingness to pay. To increase the customer willingness to pay and reduce the claim ratio, the insurance companies should focus on the six critical success factors and invest in the five strategic choices.

scholarly journals Impact of RNA-seq data analysis algorithms on gene expression estimation and downstream prediction

2020 ◽  
Vol 10 (1) ◽  
Author(s):  
Li Tong ◽  
◽  
Po-Yen Wu ◽  
John H. Phan ◽  
Hamid R. Hassazadeh ◽  
...  
Keyword(s):  
Gene Expression ◽  
Data Analysis ◽  
Disease Outcome ◽  
Rna Seq ◽  
Next Generation Sequencing Technology ◽  
Normalization Methods ◽  
The Us ◽  
Sequencing Quality ◽  
Improved Accuracy ◽  
The Impact

Abstract To use next-generation sequencing technology such as RNA-seq for medical and health applications, choosing proper analysis methods for biomarker identification remains a critical challenge for most users. The US Food and Drug Administration (FDA) has led the Sequencing Quality Control (SEQC) project to conduct a comprehensive investigation of 278 representative RNA-seq data analysis pipelines consisting of 13 sequence mapping, three quantification, and seven normalization methods. In this article, we focused on the impact of the joint effects of RNA-seq pipelines on gene expression estimation as well as the downstream prediction of disease outcomes. First, we developed and applied three metrics (i.e., accuracy, precision, and reliability) to quantitatively evaluate each pipeline’s performance on gene expression estimation. We then investigated the correlation between the proposed metrics and the downstream prediction performance using two real-world cancer datasets (i.e., SEQC neuroblastoma dataset and the NIH/NCI TCGA lung adenocarcinoma dataset). We found that RNA-seq pipeline components jointly and significantly impacted the accuracy of gene expression estimation, and its impact was extended to the downstream prediction of these cancer outcomes. Specifically, RNA-seq pipelines that produced more accurate, precise, and reliable gene expression estimation tended to perform better in the prediction of disease outcome. In the end, we provided scenarios as guidelines for users to use these three metrics to select sensible RNA-seq pipelines for the improved accuracy, precision, and reliability of gene expression estimation, which lead to the improved downstream gene expression-based prediction of disease outcome.

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