Reinsurance Business Essays - Types Of Insurance, Reinsurance

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

Impact of Islam on West Africa Essay

Islam affected West Africa from numerous points of view. It changed the people’s perspectives on their rulers, and in certain individuals, even the manner in which they saw the world. Different angles remained the equivalent, similar to the convictions of the agnostic individuals and how they lived. The most significant association that Islam made comprehensively was the foundation of exchanging focuses and courses. At the point when Muslims brought Islam into West Africa from over the Sahara, Africans were pulled in to it since it helped them through a period where their rulers were evolving. Rulers were incredibly pulled in to the Islamic thought of state and religion being joined under one ruler since they figured it would help strengthen their power. Additionally, many lower individuals changed over to Islam as a result of its populist convictions. The way that all individuals were seen as equivalents engaged them, for they at that point would be equivalent to the individuals that looked downward on them. From various perspectives, Islam changed the perspectives on the individuals in West Africa. As Islam was developing quickly, numerous individuals were changing over, yet agnostic individuals would not like to change their polytheistic perspectives on life since that was the main thing they needed to anticipate. In contrast to Hinduism, Islam was severe when it came to incorporating different convictions alongside theirs. Agnostic individuals made up an enormous piece of the West African populace. Hence with the goal for Islam to spread considerably further, Sufi spiritualists incorporated agnostic convictions into Islam. The convictions didn't change, and the agnostic individuals found a sense of contentment with the agnostic individuals and its thoughts. In worldwide setting, Islam made a significant association with different pieces of the world through exchange. West Africa had numerous focuses where Muslims built up exchanging focuses that exchanged with Asia and Europe. Exchange spread Islamic plans to different pieces of the world, acquainting new areas and domains with populist and monotheistic convictions. These convictions helped different areas on the planet manage war, vanquishing of their property, and unlawful tax assessment that was a piece of the people’s every day lives. Without setting up exchange courses, Islam couldn't have affected different pieces of the world as much as it had in such a brief timeframe. The progressions Islam made in the perspectives on the West Africans helped them traverse unpleasant occasions, and bound together them. The progression of the convictions of the agnostic individuals additionally helped Islam spread, and kept the vast majority of the domain all together. The effect of Islam in various manners bound together West Africa, and set up significant associations around the globe.

Lysistrata Essays (923 words) - Lysistrata, Women In War, Myrrhine

Lysistrata Lysistrata A play about creation war - and not having intercourse? The Talbot Theater creation of Lysistrata both engaged and charmed this individual from the crowd, who was there incompletely as a result of an English task necessity, however basically as a result of the chance to appreciate a live theater creation. The performance center organization utilized a wide range of parts to breath life into this antiwar play that night on the stage. These parts can be broken into three classes, which outwardly upgraded the content of the play. The first of these classes is the setting, the stage lighting, and the props. The subsequent segment is the imagery of a portion of those props, and the third segment is the character depictions by the on-screen characters on the stage. To return us to antiquated Greece, the props ace utilized a straightforward translation utilizing sections on a raised arrangement of steps, with a background of blue. To add to the vibe of the time, a sculpture remains in the stage. This stage serves twofold obligation as the Akropolis and as the Citadel, the two of which the ladies have involved. At the point when the men light a fire beneath the dividers of the Akropolis, smoke spills out of the heap of sticks, causing it to show up as though a fire has truly been touched off. Luckily the ladies are prepared and the fire is stifled and the men all soaked with water, which is depicted well with basins and activities that look as though the men are being driven away by the water. When Kinesias comes to see Myrrhine, and they head off to Pan's cavern, the stage lighting is darkened to give the impact of the murkiness of being in a cavern. The most strikingly visual utilization of stage props is the presence of overwhelming erect phal luses under the tunics of all the male fundamental characters during the second 50% of the play. These apparently bizarre male individuals serve to represent the disappointment of the men. Notwithstanding, they are additionally an image of how the men's political force has been superceded by the crude desire for sex, and how the ladies currently hold control over the men. The sculpture, which is on the stage, is wearing reinforcement and represents the war. The shield is taken by the ladies to be utilized to swear their promise, yet they rapidly understand that they can't swear for tranquility on a shield utilized for war. This warrior sculpture vanishes toward the finish of the play, returning as a female, the sculpture of PEACE, significantly shapelier and all the more luring to the men. The characters introduced the most noteworthy visual segment. Lysistrata was depicted superbly as a sensible lady who has had enough of war and is eager to lead a transformation to end it. The majority of the remainder of the ladies are depicted as being foamy seemingly insignificant details, progressively keen on attire, shopping and sex, interests which Lysistrata feels that she can utilize to achieve the adjustment in the men's mentalities. The outfits on the fundamental characters evoked the picture of the time, and assisted with characterizing the characters. Both the individuals from the female ensemble and the male tune are wearing white, to keep them separate in our psyches from the fundamental characters of the story. Be that as it may, they are utilized in such a path in the play as to clarify a great deal of the story to us via conveying a ton of the activity and discourse of the fights between the genders. The fundamental characters utilized various acting strategies to pass on the pictures of the play. Lampito holds herself distinctively and talks with a highlight, and in spite of the fact that she is dressed to some degree equivalent to different ladies, we understand that she originates from Sparta. The Magistrate swaggers on to the stage, joined by a constable, just to be badgering and at last mortified by the ladies, who won't be captured. They reverse the situation on the constable by tying him up with his own rope, and afterward send the judge and the constable pressing. Comic minutes happen when the edgy for-sex ladies attempt to slip away from the Citadel and are gotten by Lysistrata.

The Tragic Comedy of The Winter’s Tale - Literature Essay Samples

William Shakespeare’s vast collection of plays can generally be categorized by genre: his plays such as Romeo and Juliet, Macbeth and Hamlet are considered tragedies, while Twelfth Night and A Midsummer Night’s Dream are considered comedies. One of his plays, however, falls short of both categories: The Winter’s Tale, written in the early 1600’s. Though The Winter’s Tale draws on elements of both comedy and tragedy, the play simply cannot be boxed into one genre because of all the different features that come into play throughout the story. The first few acts of the play tend to show off the more tragic elements of a Shakespearean production, while the last few bring about a more comedic mood; so which genre can The Winter’s Tale be considered? Due to the use of both tragic and comedic elements throughout The Winter’s Tale, I would like to contend that it is a tragic comedy as opposed to a comic tragedy because of its ending and the me ssage it leaves. The first three acts of The Winter’s Tale display elements typical of Shakespearean tragedies, especially regarding King Leontes. When the audience is first introduced to Leontes, he is unsuccessfully attempting to convince his good friend Polixenes to stay in their kingdom for just a few days longer. He enlists the help of his wife Hermione, who succeeds in convincing Polixenes to remain in Sicilia for a week more. Seeing this interaction between his wife and his childhood friend leaves Leontes distressed and immediately suspicious: â€Å"to be paddling palms and pinching fingers, As now they are, and making practiced smiles As in a looking glass, and then to sigh†¦ O, that is entertainment My bosom likes not, nor my brows† (1.2.146-150). Leontes’ suspicion leads to an immense amount of jealousy, which leads us to the first element of Shakespearean tragedy in The Winter’s Tale: the fatal flaw. Leontes is distressed by the interaction he witnesses and suspects that Hermione and Polixenes are having an affair behind his back, so he orders his courtier Camillo to poison Polixenes. His rage and his jealousy cause Leontes to act rashly, and this irrationality and haste is a common theme of the fatal flaw. Instead of heeding the king’s orders, however, Camillo warns Polixenes of the threat to his life, and they both flee Sicilia. With no one left to blame but his wife, Leontes publicly accuses Hermione of infidelity and indicts that the child she is carrying is illegitimate then throws her in prison for good measure. To confirm his suspicions, he sends for the Oracle of Delphi; in the meantime, Hermione gives birth to a little girl. In the hopes that the sight of the child will calm Leontes, Hermione’s lady-in-waiting Paulina brings the baby to the king, who tells her, â€Å"This brat is none of mine. / It is the issue of Polixenes. / Hence with it, and together with the dam / Commit them to the fire† (2.3.119-12 2). He then orders Antigonus, Paulina’s husband, to abandon the baby somewhere desolate. Once news comes from the Oracle of Hermione and Polixenes’ innocence, the audience learns that Leontes and Hermione’s son Mamillius, who has fallen gravely ill at the accusations against his mother, has died. Subsequently, Hermione also dies. Leontes’ radical jealousy clearly has great effects on his family, damaging it seemingly beyond repair and making him penitent and regretful. If The Winter’s Tale were just a tragedy, the show would probably end here, with all hope for Leontes and his family seemingly lost forever. At the opening of Act IV, Time appears personified on stage and speaks to the audience, explaining that there has been a sixteen-year jump in the story: Impute it not a crime To me or my swift passage that I slide O’er sixteen years, and leave the growth untried of that wide gap, since it is in my power to o’erthrow law and in one self-born hour To plant and o’erwhelm custom (4.1.4-9). It may seem unusual for a Shakespearean play, and even a little disjointed or out-of-place in the flow of the play, but the appearance of Time on stage marks a shift in the theme and the mood of the show. In Act IV of The Winter’s Tale, the audience begins to see elements of a typical Shakespearean comedy. One of these classic elements is Autolycus’ song at the beginning of Scene 3, drawing on the archetypal use of song and dance in traditional comedies. Autolycus, an engaging and good-humored rogue, plays a trick on the Shepherd’s Son and steals from him; this whole act that Autolycus puts on is also typical of a comedy. It is the very final act of the play, however, that The Winter’s Tale truly sheds the traces of tragedy from the beginning and becomes what is normally recognized as comedy. Over the past sixteen years, Leontes has lived in self-loathing and shame for his actions and their subsequent effects, and Paulina has been encouraging his contrition all these years. The next scene is told secondhand by Autolycus and the lords of Leontes’ court; the audience learns that Perdita, the Shepherd’s daughter, has been recognized as the princess of Sicilia, and Leontes, Polixenes, his son Florizell, Perdita, Camillo and Paulina all go off to see the statue of Hermione residing in Paulina’s home. Upon their arrival, Leontes weeps, and the statue comes to life, revealing Hermione alive once again. Though it is unclear as to whether Hermione was ever dead or just hidden away by Paulina, she returns, and her family is reconciled. This is the classic happy ending so typical of Shakespearean comedies: Leontes, Hermione and their lost daughter Perdita are reconciled. Though Paulina’s husband Antigonus is lost forever, â€Å"never to be found again† (5.3.168), she finds a new husband in Camillo. Perdita and Florizell, whose love was once forbidden, is now celebrated; even though Mamillius is never to return, both kingdoms Sicilia and Bohemia have heirs, and their rulers are reconciled as friends once more. This reconciliation of family, friendship and kingdom is a perfect ending for a comedy, in spite of the elements of tragedy previously seen in the earlier acts of The Winter’s Tale. Because of the dual elements of tragedy and comedy throughout The Winter’s Tale, the play cannot be defined as one, but rather a tragic comedy. Though the beginning of the play displays classic elements of Shakespearean tragedy, it is the ending and the reconciliation of the play that makes it definably more comedic than tragic. The message that the play leaves audiences with proves that, while it is easy to destroy things in life that cannot come back, we can always come out on the other side just fine, and sometimes, it is even better than what we had before. This hope and resolution at the end of The Winter’s Tale makes it decidedly a tragic comedy, with the overarching themes of tragedy playing into the wholly comedic ending.

Comparing the Great Gatsby and American Beauty - 1954 Words

Set in the summer of the Roaring Twenties, The Great Gatsby follows the hedonistic and destructive lifestyles of the upper social classes of post-war America. This novel, written by F Scott Fitzgerald in the same time period, criticizes the shallowness of the actions of this outlandish generation and their eventual disillusionment with their society. American Beauty, the 1999 film directed by Sam Mendes and written by Alan ball, uses the setting of contemporary middle-class suburban America to examine the differences between the inner and outer realities of a â€Å"typical† American Beauty are obvious in connection between Fitzgerald’s The Great Gatsby and Mendes’ American Beauty are obvious in the themes, plots and the actions of the†¦show more content†¦The colossal dream that Gatsby builds up and holds onto eventually becomes his downfall and is the most prominent illustration of the failure of the American Dream in The Great Gatsby. Although it is the repercussions of their deceptive fantasies that Gatsby and Lester fall victim to, it was their continued search for love that leads them to these. Love is the principal value in The Great Gatsby and is illustrated best by the contrast of Gatsby’s idealized romantic love for Daisy with Daisy’s â€Å"love† for wealth and status, a love which is common to the majority of their irresponsible society. F Scott Fitzgerald emphasizes Gatsby’s â€Å"romantic readiness† through this contrast as well as Gatsby’s fall from grace that results in him becoming lost in â€Å"the colossal vitality of his illusions† (pg. 92). Daisy characterizes the power of a love of money in the Great Gatsby and is used by Fitzgerald in condemning Gatsby’s hedonistic society as well as his own. However it is the absence of love –rather than the presence- that is most prominent in AmericanShow MoreRelated F. Scott Fitzgeralds The Great Gatsby Essay1411 Words   |  6 PagesScott Fitzgeralds The Great Gatsby The greatness of an individual can be defined in terms far beyond tangible accomplishments. In F. Scott Fitzgeralds classic American novel, The Great Gatsby, Jay Gatsbys greatness comes from his need to experience success and his will to achieve his dreams. Nick Carraway narrates the story, and his cousin, Daisy Buchanan, is Gatsbys love. Daisy, however, is married to Tom Buchanan, a wealthy, arrogant womanizer who despises Gatsby. Gatsby feels the need toRead MoreElizabeth Barrett Browning And F. Scott Fitzgerald s The Great Gatsby984 Words   |  4 PagesThe universal values portrayed through the texts ‘Sonnets from the Portuguese’ (1845) by Elizabeth Barrett Browning and F. Scott Fitzgerald’s novel ‘The Great Gatsby’ (1926) highlight the similar and different intertextual perspectives and values relevant to the Victorian Era and 1920 s Jazz Age. 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There Is Not One American Identity - 1066 Words

There is not one American identity. There is not a single consistent plan for what American policy is, should, or will be. Sure, this political scientist might present a plan for a specific crisis, but there is always a politician in the wings with another plan to counter the first. Every politician’s opinion is different, just as every citizen’s is. Our experiences shape our identities, as does the information we are fed in school, by our families and friends, as well as the media. The view I have of the United States and its place in the world is quite different than most because I am a first generation American. Moreover, my family comes from Venezuela, where their international policy is starkly different than America’s. The United States of America’s international role has unquestionably shaped my opinions, outlook, and behavior. To most Americans the United States works on an imperial system, they are the center of the world with the United States go vernment controlling most of the world with sanctions and leading by example. To other developed countries like Denmark, Australia, and Canada the image of the United States seems less like a hegemony and more like another country working toward the greater good. We see this in their news articles and in their responses to politicians’ speeches. For me, it is definitely beyond that. My parents and family still in Venezuela critic every action or lack thereof. My closest friends live in Scotland and England and frequentlyShow MoreRelatedHow Should One Define The American Identity?1642 Words   |  7 PagesHow should one define the American Identity? The American Identity should be defined as multicultural individuals who commit to similar common values, ideas, beliefs, and personal freedom rather than being defined by race, ethnic identity, and religion. 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Others develop their identities by the way they dress, music they listen to, and their sexual identity. We can clearly see some of the largest factors used to develop one’s identity is the area in which they live inRead More Compare and Contrast the Way in which Emerson and Thoreau Represents American Identity1290 Words   |  6 PagesAmerica became an independent nation, European culture was still playing its role. Therefore, American writers namely Ralph Waldo Emerson and Henry David Thoreau presented an idea about American Identity. Emerson in The American Scholar and Thoreau in Walden represents the idea of American identity by connecting this concept with nature and individuality but Emerson presents his idea about American identity in an intelligent manner whereas Thoreau uses mockery to present his idea. 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Effect of Job satisfaction and Motivation towards Employee’s

Question: Discuss about the Effect of Job satisfaction and Motivation towards Employees Performance. Answer: Brief Description of Research Project, and What Participation Involves: The research project will involve an in-depth study on the impact that job satisfaction and motivation factors induce on the performance of employees. The major participants will be workers from various organizations who will voluntary be engaged in conveying information related to the research. The estimated number of participants will be 150 who will be randomly selected from various organizations. The invitation to participate in the research is through the human resource department that distributed the letters to the participants. The participants will participate in interviews and in filling questionnaires which may consume approximately 45 minutes of their free time. The participation involves conveying information via questionnaires and interviews. The interviews will be recorded and the questionnaires will be answered online and sent back to the researcher through the mail. Participation will call for honest feedbacks though undue pressure will not be put on the participants in any way. According to the nature of the research, the participants are required to be beyond 28years with at least 3years of working experience. The data that will be collected will be retained for at least 5years and the data can be used for other future studies(Myers 2013). The risks that may be faced by the participants include professional risks that may call for the participants to part with information such as the policies at their workplaces, violated policies, or the leadership structures of their organization. In addition, there may be psychological risks that will be tied to the exercise being stressful or sensitive to some point. Lastly, there may be relationship risks amongst the participants and their seniors or their colleagues appertaining to the nature of the information that may be given. The results of the research will be sent via mail to the participants (Seidman 2013). At no instance will the interests of the researcher be prioritized to prejudice the objectives of the research, such as pressuring the participants to give specific feedbacks so as to attain a predetermined outcome. I affirm to participate in this particular research, it is to my knowledge that I can withdraw from the exercise without prior reasons to the researcher. I am informed of the withdrawal process which will require me to fill a withdrawal form. I am aware that after the withdrawal, my data may be used in the compilation of the results of the study. I understand clearly that any information that I will render will be taken as confidential by the researcher. My identity as a participant is to be protected. I expect the researcher to comply with the Data Protection Act of 1998. I understand that I will be reimbursed for any expenses (travel costs, printing costs etc.) that I will incur during the research. I am informed that whatever that will be paid to me will be compensation but not a payment. Please note: As a participant, in case you have any concern(s) in regards to the research, you have the right to contact the researcher or to the DOS. In the instance, that you would wish to have the services of an independent party, then you will have to contact the HOD first. In addition, there shall be no waiver of any of your legal rights both as a citizen and as a worker. It should also be noted that any information that will be presented during the research and seem most likely to pose harm to human life will call for the duty to report to the legal authorities. Bibliography Myers, M 2013, Qualitative research in business and management, Sage. Seidman, I 2013, Interviewing as qualitative research: A guide for researchers in education and the social sciences, Teachers college press.