Over 60,000 people helping customers manage risk in more than 170 countries.
|
|
- Rosa Sharp
- 7 years ago
- Views:
Transcription
1 Zurich at a Glance
2
3 Over 60,000 people helping customers manage risk in more than 170 countries. Zurich at a Glance 1
4 Since 1872 We ve been in the business of insurance. Reaching out from our home market of Switzerland, we expanded quickly into new markets. We now provide services in more than 170 countries, offering insight and guidance in Europe, North America, Latin America, Asia-Pacific, the Middle East and other markets. 2
5 Zurich at a Glance 3
6 Our business is insurance We divide our business into three main segments: General Insurance, Global Life, and Farmers. General Insurance provides property & casualty products and services to individuals, businesses, and major multinational corporations around the world. We reach these customers through a range of business divisions including Europe General Insurance, North America Commercial, and Global Corporate and a mix of distribution channels. Across General Insurance, we leverage the strength of a globally-integrated platform one which includes underwriting, claims, product management, distribution management, risk engineering, reinsurance and customer relationship services to make an array of risk management tools available to our customers. We continually refine our understanding of the risks our customers face, and through this practice generate new insights that we feed back into our underwriting process. This business model maximizes value and efficiency for our existing customers, and gives us a strong strategic foundation for selecting new markets and acquiring new businesses. Our General Insurance segment serves individuals, small and medium-sized businesses, commercial enterprises and major multinational corporations. Building from this global strength, and with a deep local understanding of markets across Europe, North America, Latin America, Southern Africa, Asia-Pacific and the Middle East, Zurich s General Insurance segment is well positioned for continued delivery of top tier performance in the property & casualty marketplace.. 4 Zurich at a Glance
7 Global Life offers a broad range of life insurance, investments, savings and pension propositions to individuals and groups, managed globally and focused on local customer and distributor needs. Farmers includes Farmers Management Services, through which our Group manages the Farmers Exchanges, as well as the Foremost, Bristol West and 21st Century range of products in the United States. 1 As measured by the Farmers Exchanges and AIG U.S. Personal Auto Group s combined direct written premium in the U.S. personal lines business for 2007, resulting in an overall market share of 7.6%. Source: SNL. Global Life offers a broad range of life insurance, investments, savings and pension propositions to individuals and companies across the world. Global Life is managed globally while remaining focused on local customer and distributor needs. Our strategic focus is on customer groups and three distribution channels that benefit from our global reach. Our customer groups consist of: retail customers, internationally mobile expatriates, corporate customers, and private banking clients. We reach the majority of our retail customers through three main distribution channels: Zurich agents, independent financial advisers/brokers, and banks. Customers and distributors of Global Life products look to Zurich to deliver when it really matters, which in the case of life insurance or pensions could be far into the future, making the long history and financial strength of Zurich a key part of Global Life s proposition. Farmers is the name of our third business segment. Through Farmers we also manage the personal lines and small business insurance sold in the United States by the Farmers Exchanges, which we do not own. Counting all insurance sold through the Farmers Insurance Group which includes not only insurance sold under the Farmers brand, but also Foremost, Bristol West, and 21st Century, the direct auto insurer makes Zurich responsible for managing the third-largest personal lines insurer 1 in the U.S. All three business segments are united by our common aspiration to be the leading insurance provider in our chosen markets, and to deliver to our customers when it matters. Zurich at a Glance 5
8 Here to help your world We take a global approach to our core businesses of general and life insurance. We have a strong presence in the world s most attractive insurance markets, and apply our scale and financial strength to deliver tailored, world-class service in more than 170 countries. North America Today we re the third largest commercial insurer in the U.S., as well as its third largest personal lines insurer through Farmers. 6 Zurich at a Glance
9 Europe We take a pan-european approach in the region, anchored by major operations in Germany, Italy, Spain, Switzerland and the United Kingdom. Asia-Pacific/Middle East Zurich, a long-standing presence in traditional markets such as Australia and Japan, is building its profile in Greater China and other regional markets to fuel further profitable growth. Latin America Emerging markets are key to our strategy for growth. Acquisitions in leading Latin American markets demonstrate our commitment to working in these thriving environments. Africa From marine and aviation insurance to microinsurance that can reach the poor, we offer a range of propositions and solutions to match Africa s diversity of individual, commercial and corporate needs. Zurich at a Glance 7
10 8 Zurich at a Glance
11 Zurich HelpPoint Understanding you and your needs, how you want to work with us, how we can serve you: Zurich HelpPoint demonstrates our focus on customers and delivering when it matters. Zurich HelpPoint is the collective term for the many advice, service and solution offerings we deliver that capture our commitment to putting customers at the heart of all we do. To understand how to do this best, we contacted over 39,000 customers from around the world and asked them what they wanted. The answer that came back? Help. Help at the moments that matter most. Help that understands your business. Help that shortens the distance between problems and resolution. Help that adapts and changes as your life changes. Help that goes the extra mile. Help that understands you and the world you live in. Help that delivers. Help that says the customer is the point. Zurich HelpPoint. With 60,000 employees able to serve customers in more than 170 countries, help is on the way. Zurich at a Glance 9
12 We put our customers at the heart of all we do If we re successful in helping our customers manage risk, they can enjoy the freedom to work, play and thrive. This means anticipating and understanding the needs of our personal, commercial and corporate customers, and being entirely focused on meeting those needs. To make this possible, we have aligned our resources across businesses, functions and countries, so that every corner of our business can make a contribution to serving our customers. We aim to make it as easy as possible for our customers to do business with us, and ensure that they receive quality service when they do. The advice we offer is professional and insightful, drawing on the benefit of our global scale. We offer customers expert guidance, a wide range of solutions, and efficient service that treats them as individuals, not policy numbers. 10 Zurich at a Glance
13 Zurich at a Glance 11
14 Looking to the future Providing products and services, no matter how high the quality, is not enough. We make sure that our business is constantly following a planned and systematic evolution toward greater effectiveness and efficiency. At the same time we remain committed to constantly evaluating change in our environment so that we as well as our customers are prepared for tomorrow. 12
15 Zurich at a Glance 13
16 Change is in our business model In our Group we search out and share best practices, we enhance the quality of our data, and we strive to improve our expense ratios. The Zurich Way Target of USD 2.7 billion for 2009 to 2011 USD 500m USD 700m USD 800m Total TZW planned benefits 2009 to 2011: USD 2.7 billion USD 900m Across our Group we search out and share best practices to continuously improve how we do business. We call it The Zurich Way our journey of ongoing transformation to make Zurich a truly outstanding company in our industry. Across the Group, people are doing great things for our customers, and The Zurich Way takes all these best practices and systematically transfers them across the organization to fulfill our commitment to bring everyone up to the same level. What does this achieve? Take, for example, our core processes of Underwriting and Claims, where The Zurich Way delivers fair pricing and better customer service in a consistent, recognizably Zurich way. Or take Zurich s ambitious goals for further profitable growth. These are largely driven by The Zurich Way of Tied Agent Distribution, Independent Distribution, Proposition Development and Cross-selling, each rowing in the same direction to better serve customers however they choose to access Zurich with products and services that truly meet their needs. The Zurich Way also helps integrate businesses we acquire so new colleagues can deliver a one Zurich experience to customers. What s more, The Zurich Way is reshaping the Group towards our aspiration of having the most effective, efficient and customer-focused operating model in our industry. Through The Zurich Way we re committed to delivering an anticipated USD 2.7 billion in total planned benefits between 2009 and 2011, helping Zurich sustain its financial strength underpinned by a total focus on what our customers want and need. At Zurich we ve institutionalized this culture of change, so that we re always preparing for the next transformation in the way we do business. 14 Zurich at a Glance
17 And so is growth Even under historically adverse conditions, our businesses deliver. Business Operating Profit (USD millions) 8,000 6,000 4,000 3,947 6, , ,186 5,593 Zurich is locked on course to seek out and exploit opportunities for profitable growth. We strive constantly to be first in creating propositions that match our customers needs, and to reach them through distribution networks that set an industry standard for efficiency and convenience. Through acquisitions we compound the gains from these innovations, securing profitable growth through new positions in both mature and emerging markets. Even under historically adverse conditions, our businesses deliver. Our General Insurance segment has exemplified distribution excellence, delivering strong growth even in mature markets by finding new ways to reach customers. Global Life has demonstrated the full potential of product excellence, reaching unique customers (like expatriate savers) with options that laser in on their specific needs. Farmers Exchanges, which we manage but do not own, fulfills the promise of customer excellence, excelling in the fast-growing Hispanic and Asian-American segments in the United States. 2, ,000 2, Restated Most often growth is achieved in a simple way: by listening to our customers, understanding their needs, and then letting them know how Zurich can help them meet those needs. Zurich at a Glance 15
18 16 Zurich at a Glance
19 We ve got the right people Under the leadership of our multinational senior executive team, we hire and develop future industry talent from all over the world. The kinds of people who can execute on our strategy successfully are always in demand. That s why we re committed to searching out and retaining the very best, and to keeping them challenged and motivated throughout their careers. We want to be an employer of choice not just in our industry, but across industries. Our workplace culture is stimulating, rewarding and collaborative. Compensation is competitive, career development opportunities are widely available, and performance is recognized and rewarded. Our flagship Global Associate Program is specifically designed to develop future industry leaders, drawing on our relationships with universities all over the world. Employees are encouraged at every stage of their career to take control of their own development goals, while all managers are given deep insights into how they can motivate and align their teams. Visit the Careers section on our Web site if you re ready for change. Zurich at a Glance 17
20 And they ve got great insight With a deeper understanding of our customers needs, we can develop new solutions for a new age. Zurich is a thought leader. We house internal think tanks to stimulate critical thinking on new developments arising in the risk landscape, such as pandemic flu and nanotechnology. We bring in external experts to work on our Advisory Councils, which advise management on the broader risk implications of global challenges, such as natural catastrophes and climate change. We fund academic programs around the world, and contribute to the global stock of knowledge by being a strategic partner of the World Economic Forum. We re engaged in these activities first because it makes good business sense: our customers expect us to provide risk insights on their behalf. Just as importantly, we aim to make our risk insights available to the public at large stimulating more informed reactions to risk, and giving a more expansive view of the role insurers play in society. In these and many other ways, Zurich is a leader of the insurance industry in thinking about and evaluating change. 18 Zurich at a Glance
21 Zurich at a Glance 19
22 Contact us Registered Office Zurich Financial Services Ltd Mythenquai Zurich, Switzerland Media Relations Zurich Financial Services Ltd, Switzerland Telephone: +41 (0) media@zurich.com Investor Relations Zurich Financial Services Ltd, Switzerland Telephone: +41 (0) investor.relations@zurich.com 20 Zurich at a Glance
23
24 Here to help your world. For more information please visit: Zurich Insurance Company Ltd Mythenquai Zurich, Switzerland Phone +41 (0)
Building a Global Business Architecture Function Global Life Business Division, Zurich Insurance Services
Building a Global Business Architecture Function Global Life Business Division, Zurich Insurance Services Author: Tim Blaxall, Chief Business Architect, Global Life Version 1.0 June 2013 Global Life Architecture
More informationZurich the global insurer
Zurich at a Glance 2 Rubrik 3 Zurich the global insurer We aspire to become the leading global insurance group in our chosen general and life insurance markets, consistently delivering top-tier results
More informationHigh impact recruitment solutions
High impact recruitment solutions Talent with impact About Futurestep We are the global industry leader in high impact recruitment solutions; offering fully customized, flexible services to help organizations
More informationLetter to Shareholders 2010
Letter to Shareholders 2010 Results for the nine months ended September 30, 2010 Dr. Manfred Gentz Martin Senn We are pleased to present the results of our Group s solid operating performance over the
More informationGlobal vision financial solutions. Zurich International Life
Global vision financial solutions Zurich International Life Why Zurich? Zurich Insurance Group is a leading multi-line insurance provider with a global network of subsidiaries and offices. With about 60,000
More informationFinancial supplement 2013. Zurich Insurance Group Annual Report 2013
Financial supplement 2013 Zurich Insurance Group Annual Report 2013 2 Contents Results for the Year ended December 31, 2013 Financial supplement (unaudited) Financial highlights (unaudited) Business operating
More informationFinancial supplement (unaudited) 2014. Zurich Insurance Group Annual Report 2014
Financial supplement (unaudited) 204 Zurich Insurance Group Annual Report 204 2 Contents Results for the year ended December 3, 204 Financial supplement (unaudited) Financial highlights (unaudited) Business
More informationWelcome to ERGO Insurance Group
Welcome to ERGO Insurance Group If people are looking for protection or provision, we almost certainly have a suitable solution in our wide-ranging portfolio. Above all, however, we are on hand to answer
More informationwww.pwc.com/us/insurance Wielding Distribution Forces for Global Growth
www.pwc.com/us/insurance Wielding Distribution Forces for Global Growth Table of contents Wielding Distribution Forces for Global Growth... 1 Step one: Market Maturity Analysis... 2 Step two: Charting
More informationWhat have you got in mind?
What have you got in mind? Instituto Superior Técnico EIM10 Frederico Machado Jorge Maria João Almeida José Pedro Marques 10 de Fevereiro de 2010 2010 Towers Watson. All rights reserved. What to expect
More informationRemarks by George Quinn (slides 2, 11 and 12), Chief Financial Officer, and Vibhu Sharma (slides 3 to 10), Group Controller of Zurich Insurance Group.
Q1 Results 2014 Remarks by George Quinn (slides 2, 11 and 12), Chief Financial Officer, and Vibhu Sharma (slides 3 to 10), Group Controller of Zurich Insurance Group. May 15, 2014 Slide 2: Key messages
More informationSEYMOUR SLOAN IDEAS THAT MATTER MOVING BEYOND CUSTOMER EXPERIENCE TOWARDS CUSTOMER ENGAGEMENT - A WINNING APPROACH
SEYMOUR SLOAN IDEAS THAT MATTER MOVING BEYOND CUSTOMER EXPERIENCE TOWARDS CUSTOMER - A WINNING APPROACH INTRODUCTION The traditional discussion within organisations has always focused around the customer
More information2016 Edenred-Ipsos Barometer Understand and improve Wellbeing At Work. May 2016
2016 Edenred-Ipsos Barometer Understand and improve Wellbeing At Work May 2016 INSIGHTS Wellbeing at work is a growing challenge for companies struggling with an unpredictable economic environment and
More informationRemarks by George Quinn (slides 2 to 12), Chief Financial Officer of Zurich Insurance Group.
Q1 Results 2015 Remarks by George Quinn (slides 2 to 12), Chief Financial Officer of Zurich Insurance Group. May 7, 2015 Slide 2: Key highlights Good morning or good afternoon. My name is George Quinn
More informationZurich Insurance Group. Our people 2014
Zurich Insurance Group Our people 2014 Zurich Insurance Group 1 Our people 2014 We aim to create sustainable value for all our stakeholders, in line with our values as set out in Zurich Basics, our code
More informationREPRIORITIZING WHAT MATTERS MOST: A Focus on Career Management to Drive Business Results
REPRIORITIZING WHAT MATTERS MOST: A Focus on Career Management to Drive Business Results Keith Caver Towers Watson Melissa Jones CSAA IG Renée Smith Towers Watson April 1, 2014 Recent Headlines Highlight
More informationMarket comparison: sales and distribution of travel insurance and the growth of bancassurance
Market comparison: sales and distribution of travel insurance and the growth of bancassurance Simon Tottman 20th June 2012 Finaccord Ltd., 2012 Web: www.finaccord.com, E-mail: info@finaccord.com 1 Introduction
More informationHow To Improve The Value Of Helvetia
Your Swiss insurer. helvetia 20.20 14 March 2016 Strategy helvetia 20.20 The Helvetia 2015+ strategy was successful... What we are proud of: Market positions expanded considerably Volume increase 2010-2015:
More informationCharlene Hamrah (Investment Community) (212) 770-7074 Joe Norton (News Media) (212) 770-3144
Contact: Charlene Hamrah (Investment Community) (212) 770-7074 Joe Norton (News Media) (212) 770-3144 AIG REPORTS FIRST QUARTER 2006 NET INCOME OF $3.20 BILLION NEW YORK, NY, May 10, 2006 American International
More informationBancassurance Models. Around the World
Bancassurance Models Distribution Channels for Life Insurance: A Global Perspective Around the World 2nd Life Insurance Forum Amsterdam, April 9 th 10 th 2014 Finaccord Ltd., 2014 Web: www.finaccord.com.
More informationBe the Future of Banking
Create your own Career PatH Be the Future of Banking Careers for UAE Nationals CoNteNtS 3 our Bank 4 overview of the Programmes 6 the skills we look for 7 amanah 7 Success story Amani Ali 8 Success story
More informationHow To Launch A Micro Insurance Consortium And Micro Insurance Venture Incubator
NEWS RELEASE Media Contact: Edward L. Dandridge Marsh & McLennan Companies +1 212 345 9751 ed.dandridge@mmc.com Investor Contact: Keith Walsh Marsh & McLennan Companies +1 212 345 0057 keith.walsh@mmc.com
More informationPwC s 5th Annual Digital IQ Survey
www.pwc.com/digitaliq PwC s 5th Annual Digital IQ Survey Digital Conversations and the C-suite Digital IQ PwC s 5th Annual Survey Findings: Leadership teams integrate digital conversations across all aspects
More informationEffective Strategies for Modern Sales
Effective Strategies for Modern Sales Featuring Frank V. Cespedes, Harvard Business School Professor and author of Aligning Strategy and Sales: The Choices, Systems, and Behaviors that Drive Effective
More informationHow international expansion is a driver of performance for insurers in uncertain times
How international expansion is a driver of performance for insurers in uncertain times Accenture Global Multi-Country Operating Model Survey May 2009 Copyright 2009 Accenture. All rights reserved. Accenture,
More information2015 Trends & Insights
Asia Pacific Mobility The Asia Pacific Mobility Brookfield Global Relocation Services Trends & Insights report is reflective of the global economy which is strongly tied with the economic realities of
More informationExtract of article published in International HR Adviser magazine 2013. The role of HR in global mobility
Extract of article published in International HR Adviser magazine 2013 The role of HR in global mobility Increasingly the regional HR director for Asia Pacific for many large multinationals will be based
More informationSpecialty Insurance Where Are We Headed?
2013 PLUS D&O Symposium Specialty Insurance Where Are We Headed? David Cash Endurance Specialty New York - February 6-7, 2013 Keynote Outline 1. Who are the Specialty Companies? 2. Economic drivers for
More informationOrganization transformation in times of change
Organization transformation in times of change Insurance is sold, not bought is a phrase of unknown attribution, but common wisdom for decades. Thus, insurers and most financial services organizations
More informationINDEX SERIES FTSE PUBLICATIONS. FTSE ETF Issuer Services.
INDEX SERIES FTSE PUBLICATIONS FTSE ETF Issuer Services. BEIJING BOSTON DUBAI HONG KONG LONDON MILAN MUMBAI NEW YORK PARIS SAN FRANCISCO SHANGHAI SYDNEY TOKYO FTSE FTSE Group ( FTSE ) is a world-leader
More informationGenerali, Your Loyal Insurance Partner Since 1831
Generali, Your Loyal Insurance Partner Since 1831 Generali Global Corporate & Commercial U.S.A generali.com 1 Assicurazioni Generali - Generali Global Corporate & Commercial U.S.A Generali. One of the
More informationUK Insurance Key Facts. September 2010
UK Insurance Key Facts September 2010 The UK insurance industry is the third largest in the world and the largest in Europe. It is a vital part of the UK economy, managing investments amounting to 24%
More informationBuilding a leading e-commerce business: The 3 Pillars
Building a leading e-commerce business: The 3 Pillars Get em, convert em, get em back! How should we organise our e-commerce team? Sales are growing, visits to the web site are up, we re recently launched
More informationDILUTED EPS $1.04, UP BY MORE THAN 50% FROM $0.68
FOR IMMEDIATE RELEASE Citigroup Reports Record Core Income for the First Quarter First Quarter Core Income Rises 49% to $3.6 Billion from $2.4 Billion Revenues up 19% to $17.5 Billion from $14.7 Billion
More informationInformation Services Group Agrees to Acquire TPI, Global Leader in Sourcing Advisory Services
For immediate release Press Contacts: Barry Holt /ISG 203-517-3110 bholt@informationsg.com Andrea Riffle/TPI 954-659-8616 andrea.riffle@tpi.net Information Services Group Agrees to Acquire TPI, Global
More informationBank of America Merrill Lynch Banking & Financial Services Conference
Bank of America Merrill Lynch Banking & Financial Services Conference Manuel Medina Mora Chairman of the Global Consumer Banking Council November 17, 2010 Consumer Banking in Citicorp Agenda Our Business
More informationSTRATEGY CONSULTING With a difference RECRUITMENT
STRATEGY CONSULTING With a difference RECRUITMENT 02 ocean strategy LEADING STRATEGY FOR MEDIA & INFORMATION OCEAN STRATEGY Ocean is the leading media strategy consultancy in Europe. We tackle the most
More informationEmployer Branding Today APAC. Employer Branding ROIs. APACMarketing@universumglobal.com
Employer Branding Today APAC Employer Branding ROIs APACMarketing@ January 2014 EDITOR S NOTE Dear Reader, I hope 2014 has been great for you so far. The fact that you are reading this means we share something
More informationLife & Protection. Scott Ham CEO. John Hunter COO. Analyst & Investor Conference
Life & Protection Scott Ham CEO John Hunter COO Analyst & Investor Conference New York City, December 2010 Key messages Grow profitable new sales Leverage expertise to increase recruiting and expand existing
More informationDoing Business With TSYS our approach to commerce and payments
Doing Business With TSYS our approach to commerce and payments www.tsys.com TSYS at a Glance our purpose is to Improve Lives and Businesses by Putting People at the Center of Payments. WHO WE ARE Company
More informationTransform HR into a Best-Run Business Best People and Talent: Gain a Trusted Partner in the Business Transformation Services Group
SAP Services Transform HR into a Best-Run Business Best People and Talent: Gain a Trusted Partner in the Business Transformation Services Group A Journey Toward Optimum Results The Three Layers of HR Transformation
More informationBenefits make up an important component of the employment. Employee Benefits in a Total Rewards Framework. article Business Case for Benefits
article Business Case for Benefits Employee Benefits in a Total Rewards Framework Benefits represent one of the largest investments a company makes in its talent. However, our tendency can be to design,
More informationAn Oracle White Paper February 2012. Oracle Human Capital Management: Leadership that Drives Business Value. How HR Increases Value
An Oracle White Paper February 2012 Oracle Human Capital Management: Leadership that Drives Business Value How HR Increases Value Introduction Joyce Westerdahl shares the story of how Oracle s HR organization
More informationCommercial Insurance >
Commercial Insurance AIG Commercial Insurance combines one of the world s farthest reaching property casualty networks with our diversified, multichannel distribution network to offer our customers a broad
More informationCLUB MANAGER JOB SURVEY 2008
CLUB MANAGER JOB SURVEY 2008 Page 1 of 12 EXECUTIVE SUMMARY The CMAE has been through a tremendous period of growth in the past two years, and we have welcomed into our family a network of national club
More informationAnnual Report 2012. Zurich Insurance Company Group
Annual Report 2012 Annual Report 2012 About Zurich Zurich is a leading multi-line insurance provider with a global network of subsidiaries and offices. With about 60,000 employees, we deliver a wide range
More information02 / 2013 CMP MKT 120082. Be a future leader of SABB
02 / 2013 CMP MKT 120082 Be a future leader of SABB Be a future leader of SABB Contents 3. Be a future leader of SABB 4. Overview of the Programme 4. Programme objectives 5. The skills we look for 6. Learning
More informationHalf Year Report 2015
Zurich Insurance Group Half Year Report 2015 Report for the six months to June 30, 2015 About Zurich Zurich is a leading multi-line insurer that serves its customers in global and local markets. With about
More informationAIG, today and tomorrow THE COMPANY AT A GLANCE
AIG, today and tomorrow THE COMPANY AT A GLANCE 130 + Countries where AIG operates 90 + Years in operation $ 66 BILLION AIG s revenue in 2012 $ 6.7 MILLION Donations from AIG s Matching Grant Program to
More informationInvestment Counselling Program
Investment Counselling Program To us there are no foreign markets. N19 70 56 W155 08 58 Golfing with friends, Hawaii Your life has a geography. Where you re from, where you re going, where you aspire to
More informationGlobal Management of Human Capital
Global Management of Human Capital The development of software solutions for managing human capital has become a strategic tool for any company. For the last two decades, Meta4 has supplied proprietary
More informationHow does a venture capitalist appraise investment opportunities?
1 How does a venture capitalist appraise investment opportunities? Michael Queen - Finance Director, 3i Group plc A presentation to: 23 Pensions Convention 2 June 23 A How presentation does a venture to:
More informationHow to Culturally Embed Total Rewards into the DNA of Your Organization
How to Culturally Embed Total Rewards into the DNA of Your Organization Lisa Silcox Senior Communication Consultant Eckler Ltd. Companies spend millions every year providing benefits that employees don
More informationDiscover What s Possible
Discover What s Possible Accumulation Builder Choice SM IUL for Business Accumulation Builder Choice SM Indexed Universal Life for Business Owners Building your path to success As a small business owner,
More information1.New product introductions
Key Account Management Leadership by Sonia Lemmen, deputy General Manager Batenborch Germany Today a Key Account Manager is a Business Manager type, who need to have consultative, managerial and leadership
More informationThe Allstate Corporation
The Allstate Corporation Bank of America Merrill Lynch 2015 Insurance Conference Thomas J. Wilson: Chairman and Chief Executive Officer February 12, 2015 Forward-Looking Statements and Non-GAAP Financial
More informationThe Deloitte Millennial Survey
Big demands and high expectations The Deloitte Millennial Survey January 2014 Executive summary Big demands and high expectations: What Generation Y wants from business, government, and the future workplace
More informationInternational Health Insurance for Expatriates and Students: a Worldwide Review
International Health Insurance for Expatriates and Students: a Worldwide Review Report Prospectus November 2015 Finaccord Ltd., 2015 Web: www.finaccord.com. E-mail: info@finaccord.com 1 Prospectus contents
More informationOptimizing Rewards and Employee Engagement
Optimizing Rewards and Employee Engagement Improving employee motivation and engagement, and identifying the right total rewards strategy to influence workforce effectiveness. Kevin Aselstine, Towers Perrin
More informationTELEKOM AUSTRIA SUCCESSFULLY COMPLETES SERVICE FULFILLMENT PROJECT
AMDOCS CUSTOMER success story TELEKOM AUSTRIA SUCCESSFULLY COMPLETES SERVICE FULFILLMENT PROJECT Breaking the overall transformation program into well-defined projects means that we can enjoy immediate
More informationElevating the Customer Experience in the Mobile World
Elevating the Customer Experience in the Mobile World Mobile devices are now an ever-present feature of our daily lives Tablets, phones, watches we rely on them and the applications and services that they
More informationCustomer Relationship Management (CRM) Analytics Global Market Analysis - Forecast (2014-2020)
Brochure More information from http://www.researchandmarkets.com/reports/3164949/ Customer Relationship Management (CRM) Analytics Global Market Analysis - Forecast (2014-2020) Description: The report
More informationIntroducing the Customer Mix
Introducing the Customer Mix Why the Marketing Mix is no longer a relevant framework for multichannel retailers and what they should focus on instead January 2016 Introduction Practicology markets itself
More informationSO WHERE IS THE CONSUMER IN CONSUMER BANKING?
SO WHERE IS THE CONSUMER IN CONSUMER BANKING? Consumer Banking 3 SO WHERE IS THE CONSUMER IN CONSUMER BANKING? BANK CUSTOMERS CONSUMERS NEED TO BE AT THE HEART OF A LOYALTY-BUILDING ECOSYSTEM. ONE THAT
More informationwww.casece.com kwanchit.netprapa@cnhind.com Tel. +66 2645 8147 CNH INDUSTRIAL SERVICE LTD. 173 South Sathorn Asia Center 23rd floor, Bangkok,
www.casece.com kwanchit.netprapa@cnhind.com Tel. +66 2645 8147 CNH INDUSTRIAL SERVICE LTD. 173 South Sathorn Asia Center 23rd floor, Bangkok, Thailand A DEALERSHIP OPPORTUNITY WITH A LEADING COMPANY AWAITS
More informationAlere: diagnosing and monitoring health conditions globally.
Alere: diagnosing and monitoring health conditions globally. Healthcare innovator develops engaging websites, communications, and sales tools using Adobe solutions. Through Adobe Experience Manager, Adobe
More informationAmerican International Group, Inc. Financial Supplement Fourth Quarter 2005
Financial Supplement Fourth Quarter 2005 This report should be read in conjunction with AIG's Annual Report on Form 10-K for the year ended December 31, 2005 filed with the Securities and Exchange Commission.
More information2013 Insurance Megatrends Survey Final Results
2013 Insurance Megatrends Survey Final Results 2013 Towers Watson. All rights reserved. About the Study Towers Watson s 2013 Insurance Megatrends survey was fielded online from March 19 th through April
More informationBuilding a Unique Total Rewards and HR System For A Unique Company At
Building a Unique Total Rewards and HR System For A Unique Company At Since Starbucks isn t your typical company, this isn t a typical case study. Rather than focusing on a single reward program or even
More informationWelcome to Harleysville Insurance
Welcome to Harleysville Insurance Meet our Recognized as Good people to know in the markets we serve, Harleysville has gained prominence within the insurance industry with our long-standing record of financial
More informationBusiness Intelligence and Strategic Choices
Business Intelligence and Strategic Choices Walter Cunningham Paul McNamara BenchMark Consulting International Introduction In the preceding article in this series, strategy was defined as a series of
More informationAgreement to Acquire a World Leading Specialty Insurer, HCC Insurance Holdings, Inc.
(English Translation) June 10, 2015 Tokio Marine Holdings, Inc. Agreement to Acquire a World Leading Specialty Insurer, HCC Insurance Holdings, Inc. Tokio Marine Holdings, Inc. ( TMHD )(President: Tsuyoshi
More informationMentoring YOUR ROAD MAP TO SUCCESS. By Nona Chigewe
Mentoring YOUR ROAD MAP TO SUCCESS By Nona Chigewe 28 CERTIFIED June 2012 ORGANIZATIONS AND THEIR EMPLOYEES HAVE ONE VITAL purpose in common: both are striving to accomplish a life-changing, impactful
More informationProperty & Casualty: AXA Direct
Investor Day 4 December, 2013 Property & Casualty: AXA Direct Stéphane Guinet CEO, AXA Global Direct Cautionary note concerning forward-looking statements Certain statements contained herein are forward-looking
More informationSupport across the value chain. Expertise for Offshore Renewables Projects. rpsgroup.com/downstream
Downstream Consultancy Support across the value chain Expertise for Offshore Renewables Projects rpsgroup.com/downstream 2 Downstream Consultancy RPS Energy a global energy consultancy n RPS Energy is
More informationGLOBAL CORPORATE SERVICES
GLOBAL CORPORATE SERVICES ALIGNING CBRE s Global Corporate Services (GCS) is the world leader in commercial real estate services. As the top real estate services provider named to the Global Outsourcing
More informationThe Allstate Corporation. Bernstein 2015 Strategic Decisions Conference Thomas J. Wilson: Chairman and Chief Executive Officer May 28, 2015
The Allstate Corporation Bernstein 2015 Strategic Decisions Conference Thomas J. Wilson: Chairman and Chief Executive Officer May 28, 2015 Forward-Looking Statements and Non-GAAP Financial Information
More informationHP Strategic IT Advisory Services
HP Strategic IT Advisory Services Optimizing the value of IT investment Brochure The world has changed dramatically, and we increasingly live in a world where enterprise and personal IT experiences are
More informationHELP YOUR BUSINESS GROW DEVELOP YOUR HR PROFESSIONALS FIRST
HEALTH WEALTH CAREER HELP YOUR BUSINESS GROW DEVELOP YOUR HR PROFESSIONALS FIRST MERCER LEARNING 1 You ll know it better than most: your people are your greatest asset. But at Mercer Learning, we believe
More informationThe Digital Utility. Point of View
Going digital to transform how utilities serve customers and empower employees is a huge challenge and opportunity. Today s utility providers are challenged to find new avenues for growth due to shifting
More informationTALENT TRENDS AND PRIORITIES 2016
HEALTH WEALTH CAREER TALENT TRENDS AND PRIORITIES 2016 WEBCAST 27 APRIL HEALTH WEALTH CAREER 2016 GLOBAL TALENT TRENDS KEY FINDINGS TODAY S SPEAKERS EPHRAIM SPEHRER-PATRICK EuroPac Talent Strategy Practice
More informationFOSSIL GROUP, INC. REPORTS FOURTH QUARTER AND FISCAL YEAR 2014 RESULTS; Fourth Quarter Net Sales of $1.065 Billion; Diluted EPS Increases 12% to $3.
FOSSIL GROUP, INC. REPORTS FOURTH QUARTER AND FISCAL YEAR 2014 RESULTS; Fourth Quarter Net Sales of $1.065 Billion; Diluted EPS Increases 12% to $3.00 Fiscal Year 2014 Net Sales Increase 8% to $3.510 Billion;
More informationFINDING BIG PROFITS IN THE AGE OF BIG DATA
FINDING BIG PROFITS IN THE AGE OF BIG DATA UNLOCKING THE ENTERPRISE POTENTIAL OF BEHAVIORAL SEGMENTATION Alex Tavera Senior Loyalty Consulting Manager Behavioral Segmentation / 2 SEGMENTATION HAS EVOLVED
More informationNewTalent Management Network. www.newtmn.com 2ND ANNUAL TALENT MANAGEMENT SURVEY. Conducted with support from:
NewTalent Management Network www.newtmn.com 2ND ANNUAL TALENT MANAGEMENT SURVEY Conducted with support from: TABLE OF CONTENTS 2ND ANNUAL TALENT MANAGEMENT SURVEY About the Survey/About NTMN...3 Executive
More informationIPA Global Publishing Statistics. Rüdiger Wischenbart
IPA Global Publishing Statistics Rüdiger Wischenbart 1 International Publishers Association The 20 Largest Publishing Markets A list of the 20 largest publishing markets therefore highlights complex dynamics
More informationPRESS RELEASE 9M results Ageas UK, 6 November 2013
PRESS RELEASE 9M results Ageas UK, 6 November 2013 Ageas UK delivers good result in tough conditions Executive Summary Continued growth in net profit Net profit up 5.6% to GBP 73.7 million (9M 2012: GBP
More informationClient Engagement and Compensation Guide
Aon Risk Solutions Client Engagement and Compensation Guide Risk. Reinsurance. Human Resources. Introduction The aim of this document is to provide a high-level summary of the work that Aon Risk Solutions
More informationHow B2B Customer Self-Service Impacts the Customer and Your Bottom Line. zedsuite
How B2B Customer Self-Service Impacts the Customer and Your Bottom Line Introduction For small to mid-sized businesses trying to grow and compete with their larger counterparts, having close relationships
More informationLiberty Africa Insurance
Highlights Opened a life insurance business in Zambia Liberty Online was implemented in three countries and enhanced business integration in East A new short-term administration system was implemented
More informationEmpowering Agents to Employ Digital as a Competitive Weapon
Empowering Agents to Employ Digital as a Competitive Weapon 2 Empowering Agents to Employ Digital as a Competitive Weapon For most personal lines insurers, agents bring a hands-on advisory role that can
More information5 Steps to Optimizing Customer Value in Insurance
5 Steps to Optimizing Customer Value in Insurance LEVERAGING PREDICTIVE ANALYTICS TO ENGAGE YOUR CUSTOMER Tom King Senior Director, Industry Principal Insurance PEGASYSTEMS Despite the lure of customer
More informationWelcome to Zurich Insurance Group s results presentation for the first half of the 2015 financial year.
Q2 Results 2015 Remarks by Martin Senn (slides 3 to 8), Chief Executive Officer, and George Quinn (slides 10 to 22), Chief Financial Officer of Zurich Insurance Group. August 6, 2015 Slide 3: Key financials
More informationPersonal and Commercial Client Group Canada
Management s Discussion and Analysis Personal and Commercial Client Group Canada Robert W. Pearce President and Chief Executive Officer, Personal and Commercial Client Group Canada Group Description Personal
More informationMaking Leaders Successful Every Day
Making Leaders Successful Every Day Succeeding In Global ecommerce Forrester Research Benjamin Ensor Research Director, ebusiness & Channel Strategy March 13, 2013 For internal use only Agenda What s the
More informationSydney office - 2016 Firm Profile. Sydney NSW 2000. http://www.klgates.com/ Telephone: (02) 9513 2000. Facsimile: (02) 9513 2399
Sydney office - 2016 Firm Profile Firm Name: Office address: Website: K&L Gates Level 31, 1 O'Connell Street, Sydney NSW 2000 http://www.klgates.com/ Telephone: (02) 9513 2000 Facsimile: (02) 9513 2399
More informationArgyle Conversations
by Argyle Executive Forum SM Leverage a Customer-Centric Strategy! Merkle's David Williams Discusses How Businesses Can Use a Customer-Centric Strategy to Transform Their Brands Into World-Class Organizations
More informationSeeing you through refinancing
REFINANCING GUIDE Seeing you through refinancing hether you re moving home, renovating, or simply looking for a different home loan, refinancing doesn t need to be complicated. At QuickSelect we are interested
More informationRISK BASED INTERNAL AUDIT
RISK BASED INTERNAL AUDIT COURSE OBJECTIVE The objective of this course is to clarify the principles of Internal Audit along with the Audit process and arm internal auditors with a good knowledge of risk
More informationYOUR BIG DATA AUDIENCE INSIGHT
YOUR BIG DATA AUDIENCE INSIGHT Sam Zindel _ DATA MODELLING ANALYST TODAY S AGENDA BIG DATA IN THE DIGITAL WORLD BUILDING THE BRAND/CUSTOMER RELATIONSHIP SIGN-POSTING THE CUSTOMER JOURNEY AUDIENCE INSIGHT
More information