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This article is about risk management. For Insurance (blackjack), see Blackjack. For the contract between insurer and insured, see Insurance policy.
Insurance is the equitable transfer of the risk of a loss, from one entity to another in exchange for payment. It is a form of risk management primarily used to hedge against the risk of a contingent, uncertain loss.
According to study texts of The Chartered Insurance Institute, there are the following categories of risk:[1]
Financial risks which means that the risk must have financial measurement.
Pure risks which means that the risk must be real and not related to gambling
Particular risks which means that these risks are not widespread in
their effect, for example such as earthquake risk for the region prone
to it.
It is commonly accepted that only financial, pure and particular risks are insurable.
An insurer, or insurance carrier, is a company selling the insurance;
the insured, or policyholder, is the person or entity buying the
insurance policy. The amount of money to be charged for a certain amount of insurance coverage is called the premium. Risk management, the practice of appraising and controlling risk, has evolved as a discrete field of study and practice.
The transaction involves the insured assuming a guaranteed and known
relatively small loss in the form of payment to the insurer in exchange
for the insurer's promise to compensate (indemnify) the insured in the case of a financial (personal) loss. The insured receives a contract, called the insurance policy, which details the conditions and circumstances under which the insured will be financially compensated.
Why You Should Let Your Car Insurance Company Ride Shotgun
Tired of paying too much for your car insurance? If so, you're not alone.
According to J.D. Power, car owners got hit with average increases of 35
percent -- $153 -- on their car insurance premiums last year. And that
was up from an increase of $113 in 2012.
As rates reach for the sky, more car owners are reaching out for options
to control their costs. And according to consumer financial website
NerdWallet, one option you should look hard at this year is usage-based,
or "pay-as-you-go" car insurance.
The 411 on Usage-Based Insurance
Usage-based insurance is a relatively recent innovation. The National
Association of Insurance Commissioners describes it as a way to align
the premiums that drivers pay with the amount and manner they drive, "making premium pricing more individualized and precise."
The basic idea is that the less you drive, the less chance your car will
be damaged while driving -- and so the less you should pay to insure
against the risk of such damage. Similarly, the better you
drive -- e.g., by driving "gently," obeying the speed limit, and neither
accelerating nor braking too precipitously -- the less you should be
charged.
The question is how to prove to an insurance company that you drive
little enough, and well enough, to deserve a discount. And the answer to
this question is telematics.
Big Insurer is Watching You
Telematics refers to new advances in technology that permit an insurer
to monitor how a driver drives. It basically boils down to you, the
driver, permitting your insurer to install a GPS monitoring device in
your car that records how the vehicle is driven over a period of time.
Whenever
an individual annuitant, who is receiving periodic payments under a
Structured Settlement, desires to sell some or all of their future
payments for a lump sum of money, the cash flows are sold at a discount
in exchange for the lump sum payment. This discounted Structured
Settlement is then available for sale to the Purchaser. This manner of
securing the payment streams at a discount directly from the seller is
how the Purchaser secures very favorable yields. This transaction is
normally facilitated by a financial broker on behalf of the seller (or
annuitant) and the purchaser.
These structured settlements normally earn more than two times the
yearly rates of Municipal or Corporate Bonds, Bank Issued Certificates
of Deposit (CD’s), or Government Issued Treasury Securities. Investors
can certainly purchase an annuity directly from an insurance company,
but these Direct Annuity Investments are backed by the same insurance
companies as the Structured Settlements arranged by a broker, and they
are typically originated with large sales charges or commissions, and
offer substantially lower yields.
The major benefits of purchasing these structured settlement annuities are:
1. Purchaser receives significantly higher yields than Purchaser can secure from comparable fixed rate investments.
2. Purchaser receives a fixed income over a defined period of time,
based on the specific parameters of the purchased Structured
Settlement.
3. Purchasers can aquire this asset to increase the yields in personal
holdings, to maximize income at retirement, or to preserve principal for
future years. They can be purchased by individuals, retirement plans,
corporate entities, foundations, trusts, through investment clubs, or
group investment accounts.
4. The Structured Settlement is backed or supported by annuity contracts
issued by a rated insurance carrier. The insurance carrier that issued
the annuity contract is state regulated and will generally have a
Standard & Poor’s credit rating between “A-” through “AAA”.
5. Purchaser has control throughout the investment process; Purchaser
receives assignment of the Structured Settlement payment rights directly
from the seller through an approved court approval process, and the
Purchaser receives the future cash flows directly from the rated
insurance company that is obligated to make the payments. At no time
during the lifecycle of the asset should the broker have possession, or
control, of the Purchaser’s money.
Considerations of Purchasing from Annuitant
1. The transaction process facilitates a court order of the asset
directly from the Seller to the Purchaser. The broker does not own the
Structured Settlement payment rights, and should not receive, hold, or
disburse any of the investor’s money. This is NOT a fund, and the
Structured Settlement payments are made directly to the Purchaser from
the insurance entity.
2. The security of the annuity is directly related to the claims paying
ability of the insurance entity. The designation of an annuity as a
“claims paying” obligation means that these obligations supersede
obligations to bond holders, stock holders and other debtors. The
insurance entities are required to hold capital to support these
obligations as required by the applicable state insurance regulator. To
date, a situation has not been reported where an insurance company rated
A, or better, by Standard & Poors has defaulted on an annuity
obligation that supported a structured settlement, and a concomitant
loss has resulted to the payee. However, as the current financial
markets illustrate, past history is not a guarantee of future results,
and there could be future issues that arise relating to Structured
Settlements that have not existed in the past.
3. Annuities, depending on the amounts owed, are partially or fully
guaranteed by state insurance funds, and are designed to protect annuity
holders from loss. This may provide an additional level of security to
the potential Purchaser.
4. Structured Settlements are issued in U.S. dollars. Foreign Purchasers
should consider the impact of exchange rates and U.S. withholding taxes
on any potential investment.
5. A Structured Settlement may be less liquid than other investment
options. The court order assigns the payment rights directly to the
Purchaser or designee, and any future assignments may require an
additional court order. There is no established secondary market for the
resale of Structured Settlements and hence, Purchasers should be
prepared to hold the Structured Settlements for the entire term.
6. In evaluating Structured Settlement payment rights, Purchasers should
review the structure of, and support for, the payment rights. For
example, some Structured Settlement payment rights are guaranteed by the
related insurance company.
7. The Structured Settlement payment rights purchased may be all of the
payments due to a Plaintiff or only a portion of the payment rights.
Because the court will only approve a transaction that is in the best
interests of the Plaintiff, in many instances, only a portion of the
payments can be purchased since the purchase price for these limited
payments will meet all of the Plaintiff’s current needs. Because most
state guaranty funds have dollar limits on the amount that they can be
obligated to pay in respect to annuities and life insurance policies
issued by insolvent insurance companies, Purchasers should be cognizant
of the size of the underlying annuity that supports the Structured
Settlement relative to those limits.
8. There are tax considerations applicable to purchasing, collecting,
holding and selling Structured Settlements. Please note that Section 104
of the Internal Revenue Code, which exempts Structured Settlement
payments being made to an injured person pursuant to a settlement, is
not applicable to
Secondary market purchasers. Hence, the receipt of Structured Settlement
payments are generally taxable to a secondary market purchaser.
Purchasers should consult their own tax advisor as to the tax
considerations that would be applicable prior to purchasing any
Structured Settlements.
Risk Mitigation of Purchasing from Annuitant
The purchasers return on the investment is based entirely on timely
receipt of payments outlined in the court order which assigns the rights
to those payments to the Purchaser. The risk associated with receipt of
those payments is mitigated by the historical performance of the asset,
as well as the various guarantees that may apply.
1. In most cases, the seller has already been receiving payments related
to the original Structured Settlement. This indicates that the
insurance company has accepted that obligation, and has established a
pattern of making timely payments.
2. Annuities are typically secured through a process of matching assets,
meaning that the insurance entities typically invest the original
principal received from the defendant or assignment company into
investments which offset the obligation.
3. The annuity companies have historically performed as agreed.
4. The Court Order process establishes the rights of the purchaser
related to receipt of the payments, as well as the completion of a
process that includes the acceptance and acknowledgement of the specific
insurance entity.
5. Annuities are “Claims Paying” obligations, and they supersede other
creditors in the unlikely event of default or liquidation.
6. The underlying rating of the insurance entity is available.
Structured Settlements where the underlying annuity is from a company
with an S&P rating of A- or better are normally very safe
investments.
7. The insurance entities typically have large parent companies, with a significant asset base.
8. Finally, each state provides a limited guarantee fund to support the obligations of the entities within that state.
The ownership of some Structured Settlements represents a direct
investment in an annuity contract. In some states, this provides the
sophisticated Purchaser an opportunity to shield assets from creditors
since annuities and/or the cash proceeds thereof can be exempt in whole
or in part from creditor claims. The laws differ by state, and
Purchasers should thoroughly research how this applies to their
situation and consult with their own legal counsel.
Fixed Rate Annuity Backed Structured Settlements are not typically
offered directly to the general public, except in connection with the
settlement of lawsuits and certain other limited circumstances.
Therefore, they provide a limited opportunity to sophisticated and
cautious purchasers to secure safe fixed returns at superior rates of
interest.
Burt Kroner is the President and CEO of Client First Settlement Funding,
a company focused on providing alternative financial options for owners
of Structured Settlements. In the last twenty years, Mr. Kroner has
completed thousands of transactions that provide consumers cash for
their periodic payments.
Web hosting is a generic term which we will explain in the context of the web services you receive. Such services include:
Registering a domain name, such as example.org.
Using this domain name for serving a website such as http://example.org.
Having a website building tool or a blog or CMS application.
Using email by your domain name me@example.org.
Others - backing up your important data online, supporting chat / voice services and so on.
Free web hosting?
It is important to know that web hosting
is not necessarily purchased. You can have your own web hosting for
free - almost every computer with internet access can offer web hosting
with a little technical knowledge on your end. On the other hand,
reliable web hosting for busy / feature-rich web sites is expensive and
would require complex setup. In other words, it all depends on your
needs and abilities.Fortunately most people have common needs, which
include a relatively simple website (blog, CMS, forum or other
mainstream software) and an email solution for their domain name.
Shared or Dedicated hosting?
Most people's needs fit in the popular shared hosting
solution. It is quite affordable, fast and stable. However, resources
are shared among users and this has drawbacks in terms of performance
and configuration flexibility. For example, if your application has a
specific server requirement you should not expect the shared server to
be re-configured to meet your needs.That's where the expensive dedicated
solutions come - usually high end servers with dedicated resources
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re-configurations.Prices vary between $5 and $10 per month for a shared
hosting to more than $100 for a dedicated solution. If you are not a
very experienced user and your website needs a dedicated machine, it
would be best to purchase managed dedicated hosting
solution, where the hosting company would make all server settings and
security protection for you. The managed dedicated solutions prices
start from $200/month.
