Life Insurance Sales Talk Essays

Life Insurance Sales Talk Essays Life Insurance Sales Talk Essay Life Insurance Sales Talk Essay Essay Topic: Talk What are the highlights of LIC’s Jeevan Vaibhav? LIC’s Jeevan Vaibhav is a Life insurance Plan especially designed to meet needs of Insurance Wealth creation and Liquidity What are the key features of LIC’s Jeevan Vaibhav? Single Premium non-linked endowment assurance plan. Maturity Benefit : Sum Assured and Loyalty Addition#. Liquidity : Facility for loan. Life Cover : Full Sum Assured Payable on death during the term. # Loyalty Addition, if any, payable on Death, if it occurs during the last olicy year or on maturity. Please explain the Maturity and Life Cover Benefits under the plan. The Maturity Benefits under LIC’s Jeevan Vaibhav plan include the Sum Assured and Loyalty Addition, if any. For a person aged 35 years, paying a premium of Rs. 95730/-, the Sum Assured shall be Rs. 200000/- .The Details of benefits payable are as under:- Jeevan Vaibhav Page 1 Benefit Illustration Age Policy Term Single Premium Amount 35 years 10 y ears 95730/-* Sum Assured payable on death or 200000/maturity Loyalty Addition payable on death during the last policy year or on maturity: Assuming 6% p. a. eturn Nil 25,000/Assuming 10% p. a. return * Premium shown above is exclusive of service tax. Am I eligible to take the plan? The Plan is available for person between 8 to 65 years of age. Eligibility Conditions Age at entry Policy Term Sum Assured Premium Mode Others 8 years to 65 years 10 years Rs. 200000/- onwards in multiple of 10000/Single Service Tax at the prevailing rate applicable on premium. What is the maximum amount of premium that I can pay? There is no upper limit on the premium. Moreover you shall enjoy a rebate of Rs. 2. 00†° in case you opt for Sum Assured between 4 lacs to 5. 90lacs and a rebate of Rs3. 0†° for Sum Assured 6 lacs and above. Jeevan Vaibhav Page 2 Can I avail loan under LIC’s Jeevan Vaibhav? Yes, Loan facility is available under this plan, after completion of one policy year. Th e Loan Value is to the extent of 70% of Surrender Value. What if I wish to surrender the policy before completion of the term? We would not advise you to surrender a policy because the risk cover ceases and the contract comes to an end besides it deprives you from enjoying the full returns under the plan. However we wish to inform you that the policy shall acquire surrender value after completion of one full year.On surrendering a policy the higher of Guaranteed Surrender Value and Special Surrender Value shall be paid. Guaranteed Surrender Value The Guaranteed Surrender Value shall be 90% of the Single premium paid excluding extra premium, if any. Special Surrender Value The Special Surrender Value will be the ‘discounted value’ of the Sum Assured. Why should I opt for LIC’s Jeevan Vaibhav plan ? Because LIC’s Jeevan Vaibhav combines Security with Wealth Creation in a single plan. You deserve it to celebrate your achievements in 2022. ************* Jeevan Vaibhav Page 3

Maintaining the pH in Its Normal Levels Prevents the Growth of Research Paper

Maintaining the pH in Its Normal Levels Prevents the Growth of Methicillin-Resistant Staphylococcus Aureus - Research Paper Example Methicillin-resistant S. aureus (MRSA), just like other S. aureus strains avoids such immune response through catalase, which efficiently breaks down hydrogen peroxide into water and oxygen. This activity of the catalase in the escape of the host’s immune reaction has been shown in a murine animal model (Das and Bishayi, 2009). What was not mentioned in the primary reference is that what is so distinct about MRSA is the fact that the bacteria cannot be killed by the most common antibiotics, penicillin and cephalosporin groups, characterized by their beta-lactam ring. Briefly, these antibiotics prevent the production of the bacteria’s peptidoglycan-rich cell wall by inhibiting transpeptidation. MRSA contains beta-lactamases that bind to beta-lactams, and render these bactericides inactive (Agrawal, n. d.). Effectiveness of alkaline solution against MRSA infection It has been proposed by Shannon Brown (2010), in his article, â€Å"End of MRSA-How?†, prevention of M RSA infection simply involves avoiding acidic food products and stress, which increases the acid in the digestive tract. According to Brown, the acidic environment allows the normal flora of the gut to die and the acidophilic MRSA to thrive. The solution to a potential MRSA infection is said to lie on increasing the pH of the environment to which it is exposed to. Despite the seemingly simple solution to the problem of MRSA infection, prevention still poses a great challenge as the current food products available in the market are cultivated using acidic fertilizers and pesticides. Many people also enjoy drinking coffee, tea, wine and alcohol, all of which make the gut more acidic. As such, the article suggests that alkaline solutions can prevent uncontrolled MRSA growth in the body. Specifically, taking in pHenomenal, an alkaline water concentrate, as food supplement is said to potentially increase the pH of the digestive tract, and to subsequently prevent MRSA infection. Such acti vity has been shown through an in vitro pH neutralization test, whereby lactic acid was neutralized by pHenomenal at approximately 1:22 acid-to-pHenomenal ratio. Another alkaline product suggested to prevent MRSA infection is B-pHree, which can be applied on the skin, where MRSA normally resides. In an antibacterial efficacy assay done on this substance, it was found that it effectively inhibited the growth (100% growth reduction) of Staphylococcus aureus inoculated in Tryptic Soy Agar (TSA) incubated for 24 hours. Despite the promise of MRSA prevention and the availability of prophylactic measures, there are potential problems regarding the claims of preventing bacterial infection by increasing the pH in the gut. Literature review Normally, the stomach is highly acidic, with pH of approximately 2. This acidity is a strategy to control the activity of pepsin, which catalyzes the breakdown of proteins into organic compounds that can be used by the body in its various physiologic proc esses. In addition, the highly acidic environment of the stomach prevents the growth of most pathogens that cannot thrive in such extreme conditions. In fact, it has been shown by Suzuki (1994) that the low pH of gastric pH is directly related to decreased amounts of pathogenic bacteria such as Staphylococcus and MRSA in the gut. In addition, it was found that cancer patients before and after operation, who have high levels of gastric pH are more likely to have Staphylococcus and MRSA in the gut. Although the in vitro experiments have both supported

International and Pacific Asian Business Essay Example | Topics and Well Written Essays - 3000 words

International and Pacific Asian Business - Essay Example New Trade Theories The new trade theories address the area of competitive strategy in various ways, usually (but not always) relating to globalisation. Sloman (2005 p.307) identifies the following as reasons for organisations to expand beyond their home nation: access to new markets, new customers, new supply sources and new ideas and skills. They also have to deal with competition within their home nation from overseas organisations who can produce goods at a lower cost or with some innovative function or features. One of the main reasons organisations go overseas is to reduce their overall costs. Sloman (2005 pp.310-311) identifies the following as areas within which costs can be reduced by setting up operations overseas: Resource costs, including labour Skills held by workers, including entrepreneurial and management skills Cost reductions as a result of the learning curve Economies of scale Transport costs Government policies. Many of these areas are addressed by new trade theori es. Economies of Scale Economies of scale result from increasing production capacity to reduce the overall costs of production. Lynch (2009 p.801) defines them as â€Å"the extra cost savings that occur when higher-volume production allows unit costs to be reduced†. ... The presence of economies of scale can prevent new competitors entering the market if they involve large-scale production facilities or very specialised facilities requiring significant capital investment to replicate. Demand-Led Growth Setterfield (2003, p.25) identifies a counterpoint to the focus on supply-side driven growth in the form of demand-led growth. He outlines two effects on growth rates stemming from the demand-side of the growth equation: the potential for demand failures in the long run, and the impact of demand conditions on productive resources over time. The theory states that â€Å"there is no supply-determined equilibrium† (ibid) for output levels. Instead output levels are determined by relatively autonomous demand conditions coupled with supply-side conditions. Setterfield (2005, p.26) says that â€Å"the sequence of short-run outcomes associated with the demand-determined utilisation of productive resources traces out the economy’s long-run grow th path† and does not automatically to the output path of the economy. He further points out that â€Å"the potential growth rate of the economy depends on the growth of physical capacity, labour resources and factor productivity† but that â€Å"each of these is affected by the demand-determined actual rate of growth† (ibid). In short, demand-led growth requires attention to be paid to the demand side of the supply = demand equation. The Product Life-Cycle Every product has a life-cycle, starting with growth and ending with decline and obsolescence: Figure 1: The stages in a product’s life cycle (Source: Sloman, 2005, p.313) When considering the global situation, launch would normally take place in the country

Trending curation Essay Example | Topics and Well Written Essays - 750 words

Trending curation - Essay Example Just like in tweeter, where we have tweets as message sent by people, pins in pinterest are shared images that people can pin on customized boards. Users have freedom to customize their own boards with their preferred categories such as car models, funny photos, or amazing architects just to name a few. The article titled, a guide to the new and fun social media for the starters http://mashable.com/2011/12/26/pinterest-beginners-guide/ explain how Pinterest works. Snapchat despite of being around for a year has gained much popularity among the young people where they talk of snapchatting each other. By the end of last year, Snapchat was rated number three among the most popular sites in Itunes free app. Snapchat offers an exciting and interesting way to share images with relatives and friends. The unique feature in snapchat is that the user has the control the amount of time the image can be viewed before it is removed automatically. The article on this link http://infospace.ischool. syr.edu/2012/11/29/what-is-snapchat/ best explains how snapchat operates. Do you think photo communication or social wordless have changed the way we communicate and how? Taking and sharing photos have greatly changed how we used to communicate, for instance, if a person text you wanting to know where you are, one can take a snapchat and share with the person, the photo will explain in precise where you are without additional details. In addition, some people have are shy to talk to people face to face , but social media allows these person to share their moments or thoughts through a simple photo. For instance, one can share a moment of his first-born child across the whole world, where people will congratulation and like the photos of the child electronically (Petrescu 1). How do these social networks ensure that the privacy of individuals is safeguarded? A person can only view your pinterest if invited which is very similar to following in twitter. One is required to register to receive invites or invite the person you know to see your pins. Pinning is a simple process that involves using a pin it button, easily drag and place the pin on the browser extension, click to the photo or image you find exciting and select it, then finally place the pin to the appropriate board with a descriptive text, and the pin is shared. Pins can also be shared via other sites such as Facebook and twitter in order to gain more audience across all networks. In snapchat, the image or photo shared can only be available to a friend for a time ranging from one to ten seconds. Photo captions using snapchat is very easy since it requires the user to tap on the screen or create a doodle. Photo created can be shared with one person or a group a group of persons. Snapchat automatically creates a best friend alternative by identifying the persons you have shared most photos (Petrescu 1). Which do you think are the most common features of photo communicating sites such as instagram and sn apchat? Sharing of photos is the main feature of wordless social, where the user can take photos within the customized app or share the already taken photos via the phone camera. All these social sites allow people to share photos to each other such as Facebook, tumbr, and twitter. Photo manipulation is a feature that allows users to modify their photos to their liking, one can add names and funny texts on the photo to make it exciting. Instagram, snapchat, and

Fololio Mulagia Essay Example for Free

Fololio Mulagia Essay In May of 2011 a Samoan schoolteacher by the name of Folole Muliaga was sent home from a New Zealand hospital suffering from a terminal illness called cardiomyopathy. Because, doctors believed she did not have much longer to live she was sent home with two oxygen tanks to help aid her with her illness. McNaughton (2006) states that on May 29 a contractor for Vircom EMS was sent by Mercury Energy to the Muliaga’s home to disconnect the electricity supply. Mrs. Muliaga pleaded with the contractor to keep the electricity because of her health condition but he disagreed. A few short hours later Mrs.  Muliaga would perish. Prior to the Muliaga’s electricity being disconnected, the family had an outstanding balance of $168. 00, and could not afford to pay the bill. The case of Folole Muliaga would later be broadcast around the world capturing the attention of many government officials. This paper will cover many aspects including but not limited to: the consequences and outcomes of the scenario, the illegal and unethical aspects of the Mercury Company, was the role of the coroner and police department justifiable, and lastly, what reforms and guidelines were put in place as a result of the devastating tragedy? Evaluate Ethical Behavior: The Historical Case of Folole Muliaga Folole Muliaga, a 44 year old terminally ill mother of four suffering from cardiomyopathy perished after not being able to pay a $168. 00 electricity bill. As a result of Mrs. Muliaga sickness she was unable to continue her teaching career which brought in the majority of the household income. Johnston (2007) states that Mercury Energy was unaware that disconnecting power to a South Auckland home could have potentially life-threatening consequences. The resulted consequence was too harsh; to disconnect the electricity given that Mrs. Muliaga was just released from the hospital days earlier. The major price Mrs. Muliaga paid was dying 3 hours after the electricity was disconnected from her home. The family of Mrs. Muliaga would later dispute that the bill was not overdue, and that it was actually due days later. Bennett (2007) states that Folole’s husband actually made a partial payment on May 17 and would make another payment a few days later. The Mercury Energy contractor who disconnected the power says he was unaware that Mrs. Muliaga depended on oxygen tanks to live. What’s disturbing is that the Muliaga family states that when the ontractor arrived, Mrs. Muliaga invites him in and thourgly explains to him her health circumstances. She begins to plead with him not to disconnect the electricity, but he is not being attentive to her needs. He states he is simply doing his job, and that she must contact Mercury Energy to have the electricity restored. Although health professionals who treated the victim said her health problems had tremendously worsened over the past few months, does not make it morally nor ethically factual for the company to not hear the concerns of its customers. After the incident went ational the general manager for Mercury Energy stated that he was sure the company was not at fault for Mrs. Muliaga’s death. Cleve (2007) He contended: I’m confident that the processes we have put, the communications we had with the customer, were very clear about the circumstances that would happen. The general manager’s arrogance toward Muliaga’s death clearly shows his lack of concern and unethical behavior. His thoughts are that the company done nothing immorally or illegally wrong. In the case of Folole Muliaga there was almost a trial by media, pressuring Mercury to change how they conduct business with customers who ave severe medical conditions. A company’s culture is the biggest element of how it handles difficult situations. Companies no matter how large or small should have a value statement that aids them on what is considered ethical behavior. The actions of Mercury Energy were illegal in the eyes of many consumers and shareholders around the world. It’s very bothersome and also reality that individuals who occupy senior level managenet roles does not uphold the standards and intergrity when it comes to satisfying the needs of customers. Meredith (2007) says the behavior of Mercury Energy top xecutives serves to do no more than confirm just about every negative stereotype there is about impersonal, arrogant, and greedy corporates. What makes Folole’s story so alarming is that Mercury Energy is a state owned enterprise, which means the taxpayers solely, owns the company. Research states that Jones (1991) a moral issue is present when a person’s actions, when freely performed, may harm or benefit others. It’s imperative to know that many judgments are moral decisions because they have a moral component, such as the case of Folole Muliaga. The actions that took place in Mrs. Muliaga’s home was horribly illegal and unethical, because the situation was not investigated thourghly. If the contractor would have taken five minutes to contact someone about Mrs. Muliaga’s severe health condition her life probably could have been prolonged. The contractor’s irrational behavior to further assist the family is what makes this situation so demoralizing. A few weeks after Folole’s Muliaga’s death, Police announced that there was no evidence that did not point to Mercury Energy nor the contractor’s that they were at fault for Mrs. Muliaga’s death. After Folole’s death the family expressed that the Police department showed lack of â€Å"Cultural Awareness† and had â€Å"institutionalized racism†. Bridgeman (2010) Coroner Gordon Matenga concluded that Mrs. Muliaga died of natural causes but, an arrhythmia caused by morbid obesity and that the cessation of oxygen therapy and stress arising from the fact of the disconnection (as opposed to the way in which the power was disconnected) have contributed to her death. To agree with the coroner’s report individuals would really have to reexamine Folole’s case. Certainly, the victim had health issues that contributed to her death. But, the question we must ask ourselves is that if Mrs. Muliaga’s electricity was never turned off would she have still perished a few hours later. Many of us would answer the question by saying no, she would still be alive. In many of our thoughts and private belief’s we would say that Mercury Energy is responsible for her death. Summary: The Folole’s Muliaga’s story should have been an eye opener for all major corporations. Many companies today do not follow Corporate Social Responsibility. Many top managers and executives are simply in the business to make a large profit off of its shareholders and onsumers. Organizations have to reexamine the culture, morals, and values of why they are in business. Meredith (2007) In the case of Mercury Energy, those needs should have been understood to include the cultural and economic issues of a Samoan family struggling to make a go of their lives in New Zealand and to have been deserving of care and respect in addressing what turned out to be the life threatening issue of the discontinuation of their electricity supply. A variety of theoretical perspectives have been established to support researchers and most mportantly managers on social issues. These concepts would help organizations to understand the importance of having values and morals when it comes to dealing with the public. The social life cycle theory was used to analyze the Mercury Energy case. Ackerman (1975) found that, in general, the responsiveness of business organizations to social issues progresses through a three-phase trajectory; policy, learning, and commitment. Most of us who are familiar with the Muliaga case would say that the company was in refutation about the Muliaga issue.

a memorable moment :: essays research papers

On April 17th, 2004, my eldest sister went into labor around 5:30 A.M. I honestly wasn't in the mood to go to the hospital so early in the morning, but my mother told me I should. My mom told me that it was a time when my sister really needed us. All I thought about was that she wouldn't even know whether I was there or not. My family and I took her to the hospital, and then everyone waited in the adjacent room. I never thought much about it, so I fell asleep. To me it was like," Whatever," she's just having a baby, another niece or nephew for me. You see, my sister and I were never that close to begin with. While we all waited in the waiting room, the nurse unexpectedly came in and asked for me by my name. She told me to follow her. My sister said that she wanted me by her side as she delivered. In my head I was thinking," Me...why me?" As I walked into the room, my sister looked at me and whispered," Hello." The doctor told me to keep feeding her ice cubes and keep her calm because the contractions were getting closer together and stronger. More doctors and nurses started pouring in and then it was time. Something inside me told me to just go to my sister and comfort her, so I went to her and grabbed her hand. She was experiencing a lot of pain, but still she managed to look at me and smile. I couldn't do anything but smile back. It seemed that everything was happening so fast because the next thing I remember was the doctor yelling," It's a girl!" My sister and I were so excited and we were both crying tears of joy. My sister hadn't let go of my hand, and I felt her squeeze me a little bit. I turned to her and she mouthed to me," Thank you," just before they handed her the baby. That one simple word just made me feel the warmest sensation in the world. It was as if everything at that moment was right. I stayed with me sister that day and the next and just stared at my niece until I fell asleep.

Hundreds Years War Essay -- essays research papers fc

Hundred Years War The definition of the Golden Rule is that those with the gold make the rules. In other words, those with the gold have the power as well as those with the power have the gold. History books will discuss the general reasons for war such as freedom from adversity or freedom from religion. But the real issue for any war is the thirst for power and control; and the means to finance them are the economic issues. Nations will endure years of fighting for power and control. France and England fought each other for more than a hundred years to have control of the Channel trade routes. 1 This century of warring was known as The Hundred Years' War and is the longest war in record history. It began in 1337 when King Edward III invaded Normandy and ended in 1453 when France won the Battle of Bordeaux. However, it was not a hundred years of constant battle; there were periods of truces in between. 2 One cause for the Hundred Years' War was the claim to the French throne. The conflict began when t he direct line of succession died without a male heir and the nobles decided to pass the crown to a cousin, Philip of Valois. But this left two other male cousins equally deserving of the crown; Charles, King of Navarre and Edward III, King of England. 3 Edward III claimed that he himself was deserving of the throne because his mother was the sister of the late French king, while Philip VI was only a cousin. But according to French law, no women could inherit the throne, nor could the crown be inherited through a woman. 4 "Philip of Valois chances of becoming King of France had been remote and he had not been brought up as the future lieutenant of God on Earth. Philip VI spent much of his resources on entertainment and finery with gay abandon." 5 This caused conflict with the king's subjects. Since the king was considered to be sacred and inviolable, neither cousin would challenge Philip VI. However, they would exploit the situation and King Edward III lost no time and inv aded Normandy with an army of 10,000 men. 6 This leads to another cause for The Hundred Years' War. The land along the Channel and Atlantic coasts was England's first line of defense against an invasion. England held claim to this territory from the twelth century through the marriage of King Henry II and Eleanor of Aquitaine. King Edward III was determined to gain control of the Fr... ...ot;Hundred Years' War." Compton's Online Encyclopedia. 1995. Hutchinson, Harold F. King Henry V. New York: John Day Company, 1967. Palmer, J.J.N. England, France and Christendom. London: University of North Carolina Press, 1972. Vale, M.G.A. English Gascony 1399-1453. London: Oxford University Press, 1970. --- Notes 1. Palmer, J.J.N., England, France and Christendom. London: University of North Carolina Press, 23. 2. "Hundred Years' War." Compton's Online Encyclopedia. 1995. 3. Palmer, 47. 4. "Hundred Years' War" 5. Duby, Georges. France in the Middle Ages 987-1460. Paris: Blackwell, 1987, 274. 6. "Hundred Years' War" 7. Barnie, John. War in Medieval English Society. Ithaca: Cornell University Press, 1974, 181. 8. Palmer, 120. 9. "Hundred Years' War" 10. Barnie, 219. 11. Duby, 233. 12. "Hundred Years' War" 13. Palmer, 161. 14. "Hundred Years' War" 15. Barnie, 25. 16. Hutchinson, Harold F. King Henry V. New York: John Day Company, 1967, 214. 17. Hutchinson, 214. 18. Barnie, 245. 19. "Hundred Years' War" 20. Vale, M.G.A. English Gascony 1399-1453. London: Oxford University Press, 1970, 165. 21. Vale, 215.