Laferla Insurance Group Profile

Size: px
Start display at page:

Download "Laferla Insurance Group Profile"

Transcription

1 Laferla Insurance Group Profile

2 Ideally situated at the heart of the Mediterranean Sea, Malta can boast of a long-standing reputation as a vital commercial link to its much larger neighbouring countries. With its strong financial resources and professionally trained personnel, LAFERLA Insurance Group is well geared to provide ample cover for any form of business, wherever it may be. 2

3 THE FORMATION AND ACHIEVEMENTS OF LAFERLA INSURANCE GROUP

4 The man who set up the LAFERLA Insurance Group giving it his name and dedicating so much effort to its continued growth is Mark Laferla. A quiet spoken gentleman who believes in honouring promises made, Mark has seen the company grow from very modest beginnings into a leading force in the local market. Born in July 1952, Mark received a private school education and the values and principles he learnt in those early formative years, still serve as beacons in his private and business affairs. His interest in the insurance business started quite early in life whilst still at school, since his father was a shareholder in what was at that time one of Malta s larger local insurance agencies. Although determined to involve himself in the family s insurance business later on in life, Mark decided to first gain experience in what was in the late sixties the boom industry tourism. Employed for two years with the United Group of Companies, already at that time one of Malta s larger tourist services organisations, Mark obtained valid experience in the travel and car hire business. These sectors of business, remain to this day, strong areas for LAFERLA Insurance Agency Limited. 4

5 In 1984, a new company was established to handle all forms of insurance in Malta, a company everyone locally has come to know so well for its excellent services supported by one of the most modern computer networks which has given to the people of Malta a totally different concept to insurance efficiency. The company was LAFERLA Insurance Services Limited which was issued with the licence to act as an Insurance Agent and Broker, and started operating as an insurance agent to certain Lloyd s Underwriting Syndicates. In 1987 it was appointed sole agent for Private Patients Plan, also known as PPP healthcare Ltd. It later expanded its activities through the insurance broking sector. The operations of the Company grew enormously in the first five years, enough to necessitate an internal split into two distinct divisions, namely, the Agency Division and the Broking Division. Both Company Divisions outgrew growth expectations and management decided to split these divisions into two separate companies. In fact, on the 1st January 1993, the Agency Division (incorporating MOTOR, GENERAL and PRIVATE HEALTHCARE insurance binders) started operating under a different company name, i.e., LAFERLA Insurance Agency Limited, whilst LAFERLA Insurance Services Limited took over the Broking Division and changed its name to LAFERLA Insurance Brokers Limited. A holding company by the name of LAFERLA Holdings Limited was also formed to control the investment in these two companies. LAFERLA Insurance Agency Limited always had very good working relations with insurance brokers and the fact that the LAFERLA Group also had its separate insurance broking company competing with such brokers, who were also business producers to the agency company, created a hostile environment with certain brokers. A decision was eventually taken to amalgamate LAFERLA Insurance Agency Limited and LAFERLA Insurance Brokers Limited and to cease trading as insurance brokers. In fact, on the 1st January 1999, this amalgamation took place and the company continued to trade purely as an insurance agency under the name of LAFERLA Insurance Agency Limited. 5

6 An agreement was reached with the leading insurance broker on the island at the time, namely; Aon Malta Limited, to service the clients of LAFERLA Insurance Brokers Limited who required the services of a professional insurance broker. In return Aon Malta Limited agreed to reciprocate business to LAFERLA Insurance Agency Limited. The amalgamation of the agency and broking companies also served to restructure the LAFERLA Group and has increased the Group s cost-efficiency and profitability within the prevailing soft-market conditions. In 1999, the international insurance market was inundated with mergers and acquisitions on a worldwide scale. As a result of these international mergers, PPP healthcare Limited, whom LAFERLA Insurance Agency Limited used to represent in Malta up to the end of April 2000, was one of the UK companies that was affected by such international mergers. It was acquired by Guardian Royal Exchange plc, which in turn was bought over by AXA Assurance IARD. As the AXA Group were already represented in Malta, LAFERLA Insurance Agency Limited were given the option to merge with AXA s existing local agent or concede the PPP healthcare agency. Being one of the major players in the local private medical insurance sector with over thirteen years experience in this field at the time, LAFERLA Insurance Agency Limited decided to continue trading as a separate company and create its own branded health insurance products to continue servicing its clients. The LAFERLA healthplans were subsequently created as an exclusive product of LAFERLA Insurance Agency Limited. LAFERLA Insurance Agency Limited acts as an agent for Middlesea Insurance plc, a company authorised under the Insurance Business Act, 1998, and which forms part of the leading international insurance group, MAPFRE. LAFERLA Holdings Limited is a Tied Insurance Intermediary for MSV Life. 6

7 Today, LAFERLA Insurance Agency Limited is situated in Vincenti Buildings, which is one of Malta s most prestigious office blocks in the capital city, Valletta. In addition to this, the Company has a network of tied insurance intermediaries with offices spread all over Malta and Gozo and directly linked-up on computer to the head office block. The Company s staff is adequately trained and all senior personnel possess insurance qualifications recognized by the Chartered Insurance Institute (CII) in London, UK. 7

8 THE GROUP S PHILOSOPHY

9 The directors and management of LAFERLA Insurance Agency Limited believe in honouring all promises made and in the need to continually update themselves and their staff on all new products which from time to time are launched in the international insurance markets. They do this in order to maintain the Company s professional status and reputation which it enjoys in the insurance industry. For this reason, the name LAFERLA Insurance is today well known in Malta as well as overseas. The style of management adopted is one of tight control and insistent on quality. Regular meetings between management and staff are held in order to discuss Company matters. All Company presentations and reports reflect the high standards of the Organisation which is backed by the latest computer technology. This makes it possible for management to have computerised up-to-date statistical reports on which the Company s strategy is planned. LAFERLA Insurance Agency Limited insists on quality and precision. It is a company which is always up-to-date on all insurance matters and ensures that its technical staff are continually updated too. There is no place for backlogs in the Company. The directors closely monitor all Company activities with the Consulting Board of Advisers with whom regular meetings are held. The standards the Company has set for itself are recognised in the Lloyd s quarters as well as in the local and international insurance markets. It has been this insistence on quality which has made the Company a market leader in a relatively short time. 9

10 THE GROUP S MISSION STATEMENT To provide individual and commercial clients, in Malta and within the Mediterranean Basin, with high calibre international professional insurance services and expertise providing clients with suitable cost-effective insurance policies to cover their various requirements. The highest standards of service to customers are to be reflected in all Group Company affairs; in the calibre of the staff engaged, in the maintenance of the offices and in the maintenance of a competitive edge through continued investment in modern technology. Through such high standards, the Group Companies seek to contribute in a significant manner towards the upgrading of the local insurance industry.

11 THE COMPANY S CORPORATE RESPONSIBILITY STRUCTURE

12 DIRECTORS represented by the CHAIRMAN & MANAGING DIRECTOR GENERAL MANAGER ADMINISTRATION & MAINTENANCE DEPT. FINANCE DEPT. ASST. GENERAL MANAGER in charge of Motor, General Business & Marine Technical Operations (Underwriting & Claims) ASST. GENERAL MANAGER in charge of Private Medical Insurance Technical Operations (Underwriting & Claims), Information Technology & Marketing 12

13 THE COMPANY S TECHNOLOGICAL LEAD

14 In any industry there are companies which establish themselves as leaders and others which have no option but to follow. Clearly, in the local insurance industry, LAFERLA Insurance Agency Limited has proved itself to be the undisputed leader. By setting new standards for personal service and commitment to client satisfaction, the Company has set a pace few of its competitors can keep up with. The level of the Company s technological lead reflects the manner in which the Company s competitive edge has been improved to the customer s advantage. Right from the Company s early days, management realised that one of the keys to growth was the investment in an advanced state-of-the- art computer based system which would allow it to provide its clients with a more efficient and effective service. Since those early days the Company has invested millions of euro to ensure that the right computer systems are developed to allow it to continually improve upon the service being given to customers. The current system features a wide variety of customised software packages to meet the varied departmental needs of the Company. These programmes were specifically written for LAFERLA Insurance Agency Limited by one of the leading software houses on the island. Each of the main software packages available comprises a multitude of very sophisticated programmes, which provide detailed statistical print-outs and management information reports. These reports prove to be a very important asset with regard to management control and planning. The Company also employs a full-time IT Systems Administrator as well as a Systems Development Engineer who guarantee the smooth running of the Company s present IT systems as well as the developments thereof which are requested from time to time. All systems are compliant with the security requirements set by the Malta Financial Services Authority (MFSA). 14

15 THE GROUP S PROFESSIONAL STANDARDS AND QUALITY OF SERVICE

16 Today, the LAFERLA Insurance Group has established itself in plush offices in Vincenti Buildings, which is one of the most prominent blocks in Malta s capital city, Valletta. This assists staff in achieving career satisfaction in a service-oriented environment supported by the latest state-of-the-art technology. Specialised technical staff have attended courses at the Mediterranean Insurance Training Centre (now renamed Malta International Training Centre) obtaining professional diplomas and recognition from the Chartered Insurance Institute (London). Company officials are regularly sent abroad to attend overseas refresher courses offered by various leading international institutions. All technical staff have the expertise to professionally handle the major accounts which the Company has on its books. This can be verified by all clients who vary in quality and size of risk. In fact, the Organisation has experience in dealing with various risks, from individual household risks to overseas projects in the oil and related services industry located in Saudi Arabia and Libya, from individual profit-linked Life Assurance Policies to the largest Bulk Group Private Healthcare Insurance Scheme on the island. In order to provide a professional insurance service in such vast and varied risk areas, the Company has back-up overseas connections, which provide all the necessary technical assistance required in offering specialised insurance covers. LAFERLA Insurance Agency Limited is today one of the leading private insurance organisations in Malta covering risks within the Mediterranean basin and beyond. It is backed by sound financial investments, professional staff and strong local and overseas connections. The office standards of the Group only reflect the quality of professional service for which the LAFERLA Organisation has built a reputation. This professional set-up, which is today recognised by leading international insurance underwriters and brokers alike, guarantees that the LAFERLA Insurance Group is in a unique position to provide any Client, however huge his business may be, with the highest order of professional insurance service. 16

17 Laferla Insurance Agency Ltd. 204A Old Bakery Street Valletta VLT 1453 Malta T: (+356) F: (+356) laferla.com.mt

Welcome to Atlas. Michael Gatt CEO

Welcome to Atlas. Michael Gatt CEO Let s talk Welcome to Atlas The Atlas Group of companies is one of Malta s foremost insurance and financial services organisations. The basis of Atlas operations is a philosophy of integrity, honesty and

More information

GROUP HEALTH & GROUP LIFE COVER

GROUP HEALTH & GROUP LIFE COVER GROUP HEALTH & GROUP LIFE COVER Why should my organisation choose the Laferla Group? With so many options available, it is important to identify the right insurance provider. We are determined to offer

More information

Corporate Health Insurance

Corporate Health Insurance Corporate Health Insurance Protects You, Your Business and Your Employees your first choice for independent medical insurance cover and advice FirstUnited is a leading insurance intermediary group operating

More information

Delivering financial freedom. UK and European financial management specialists

Delivering financial freedom. UK and European financial management specialists Delivering financial freedom UK and European financial management specialists Our origins and brief history We provide the big-picture oversight that you need to succeed. The Blacktower group was formed

More information

Association of Business Executives (ABE) U.K.

Association of Business Executives (ABE) U.K. Association of Business Executives (ABE) U.K. Association of Business Executive programmes are taught at institutions worldwide, and such institutions are given approval to run ABE only after they have

More information

There s More to Sterling

There s More to Sterling There s More to Sterling Sterling Insurance Group Contents About Us Our Culture and Values Our Customers and Clients Our Products Our Services Don t Take Our Word For It 5 7 9 11 13 15 2 There s More to

More information

PJ Aiken Insurance Services

PJ Aiken Insurance Services PJ Aiken Insurance Services PJ Aiken was established in 1974 to provide independent insurance advice to the thriving community around Dorset s historic county town of Dorchester. Founded by Peter Aiken,

More information

A Personal Approach to Business Insurance. The Bateman Group Advice and Service Guide

A Personal Approach to Business Insurance. The Bateman Group Advice and Service Guide A Personal Approach to Business Insurance The Bateman Group Advice and Service Guide Introducing The Bateman Group Since its creation in 1967, The Bateman Group have been providing clients with independent

More information

Professional Indemnity Insurance for Insurance Intermediaries Proposal Form

Professional Indemnity Insurance for Insurance Intermediaries Proposal Form Professional Indemnity Insurance for Insurance Intermediaries Proposal Form Professional Indemnity Insurance for Insurance Intermediaries Proposal Form Please read the following carefully before completing

More information

DETERMINATION OF MERGER NOTIFICATION M/12/025

DETERMINATION OF MERGER NOTIFICATION M/12/025 DETERMINATION OF MERGER NOTIFICATION M/12/025 AIB / ARK LIFE Section 21 of the Competition Act 2002 Proposed acquisition of Ark Life Assurance Company Limited by Allied Irish Banks plc Dated 19 December

More information

Delivering excellence in insurance claims-handling. A response to AIRMIC s best practice guide

Delivering excellence in insurance claims-handling. A response to AIRMIC s best practice guide Delivering excellence in insurance claims-handling A response to AIRMIC s best practice guide Content 01 Client charter 02 Our core values 03 Culture & philosophy 04 Communication 05 People 07 Infrastructure

More information

English UK: promoting and supporting the world s leading English language destination

English UK: promoting and supporting the world s leading English language destination English UK: promoting and supporting the world s leading English language destination English UK English UK is the national association of English language teaching centres in the United Kingdom. We represent,

More information

Trust us to protect your business

Trust us to protect your business Trust us to protect your business 2 bpif insurance services Trust us to protect your business BPIF Chief Executive s statement you can receive a tailored offering coupled with exclusive benefits at a competitive

More information

trust When you choose an accountant, you need someone you can trust. This trust does not come from a job title - it needs to be earned.

trust When you choose an accountant, you need someone you can trust. This trust does not come from a job title - it needs to be earned. about us trust When you choose an accountant, you need someone you can trust. This trust does not come from a job title - it needs to be earned. At Duncan & Toplis we understand this and our clients trust

More information

These licensing criteria are applicable with immediate effect to all new applications submitted to the Authority after the date of this Notice.

These licensing criteria are applicable with immediate effect to all new applications submitted to the Authority after the date of this Notice. Notice regarding applicants for a Category 2 or Category 3 Investment Services Licence that would like to carry out online forex trading in terms of the Investment Services Act, Cap. 370 The Malta Financial

More information

The Flying Start Degree Programme Henley Business School at the University of Reading

The Flying Start Degree Programme Henley Business School at the University of Reading The Flying Start Degree Programme Henley Business School at the University of Reading Start your degree Start your career Realise your potential BA Accounting and Business (NN41) The Flying Start Degree

More information

Back office administration for the financial services sector

Back office administration for the financial services sector Back office administration for the financial services sector WHY BACK OFFICE - WHY MALTA Back office services include routine administrative and clerical services in relation to, or in support of, any

More information

A new and unique insurance programme for members of Professional Associations or Societies that are subject to statutory or voluntary Regulation

A new and unique insurance programme for members of Professional Associations or Societies that are subject to statutory or voluntary Regulation A new and unique insurance programme for members of Professional Associations or Societies that are subject to statutory or voluntary Regulation Key Features - Cover that goes beyond the minimum standard

More information

How do professional accountancy bodies measure up?

How do professional accountancy bodies measure up? How do professional accountancy bodies measure up? Introduction Introduction In the ever changing and highly competitive accountancy and finance sector, it s essential to keep your skills up-to-date through

More information

Make your career work for you. Sanlam Financial Advisers

Make your career work for you. Sanlam Financial Advisers Make your career work for you Sanlam Financial Advisers For more than This is Sanlam At Sanlam, we understand that people have hopes and dreams - hopes for themselves, for their children, for their future.

More information

The Flying Start Degree Programme Henley Business School at the University of Reading

The Flying Start Degree Programme Henley Business School at the University of Reading The Flying Start Degree Programme Henley Business School at the University of Reading Start your degree Start your career Realise your potential BA Accounting and Business (NN41) Welcome This booklet will

More information

Video Conferencing Overview

Video Conferencing Overview Video Conferencing Overview Video conferencing can transform the quality, efficiency and interactivity of your company s communications. InterCall is one of the largest conference services providers in

More information

In partnership with. Food & Drink A fresh approach to risk management

In partnership with. Food & Drink A fresh approach to risk management In partnership with Food & Drink A fresh approach to risk management A thriving sector... In these difficult economic times the Food & Drink industry is a refreshing example of a sector that is expanding.

More information

Underwriting with intelligence, insight and authority

Underwriting with intelligence, insight and authority Underwriting with intelligence, insight and authority Glemham was established in March 2006 to offer Property, Liability and PI Insurance directly to a select number of specialist and regional brokers.

More information

Actuarial services that enhance performance. Insurance PRECISE. PROVEN. PERFORMANCE.

Actuarial services that enhance performance. Insurance PRECISE. PROVEN. PERFORMANCE. Actuarial services that enhance performance Insurance PRECISE. PROVEN. PERFORMANCE. Today s challenges, tomorrow s opportunities In today s ever changing insurance market, companies face more stringent

More information

RFIB > From the big picture - to the fine detail. Delivering our knowhow to strengthen your business. RFIB > Insurance & reinsurance knowhow

RFIB > From the big picture - to the fine detail. Delivering our knowhow to strengthen your business. RFIB > Insurance & reinsurance knowhow RFIB > From the big picture - to the fine detail Delivering our knowhow to strengthen your business RFIB > Insurance & reinsurance knowhow RFIB > Insurance & reinsurance knowhow Our ability to deliver

More information

MBA in International. Hospitality Management Programme AIMING FOR GLOBAL EXCELLENCE. validated by Manchester Metropolitan University UK (MMU)

MBA in International. Hospitality Management Programme AIMING FOR GLOBAL EXCELLENCE. validated by Manchester Metropolitan University UK (MMU) MBA in International AIMING FOR GLOBAL EXCELLENCE Hospitality Management Programme ) validated by Manchester Metropolitan University UK (MMU) TWO INTAKES Summer and Winter INTRODUCTION TO IMI IMI University

More information

Sustainability and Environmental Review. Introduction

Sustainability and Environmental Review. Introduction Sustainability and Environmental Review Introduction Edmundson Electrical Ltd is a long established privately owned company with an unrivalled reputation in the marketplace and with a unique culture that

More information

Administration & Accounts

Administration & Accounts Introduction The Coversure Insurance Services group was founded by Mark Coverdale in 1986 with the aim of providing franchise holder members with a fertile environment in which they could own and manage

More information

Our specialist insurance services for Professionals risks

Our specialist insurance services for Professionals risks Our specialist insurance services for Professionals risks Price Forbes & Partners is an independent Lloyd s broker based in the heart of London s insurance sector. We trade with all of the major international

More information

The Chartered Insurance Institute

The Chartered Insurance Institute Professionalism in the insurance & financial services markets The Chartered Insurance Institute Introducing the CII Protecting the public by guiding the profession Leadership - World s largest professional

More information

Giving you peace of mind 24 hours a day Wherever you operate

Giving you peace of mind 24 hours a day Wherever you operate Giving you peace of mind 24 hours a day Wherever you operate Contents Contents Introduction - Medilink International 2 Your Business in Safe Hands 10 Our People 11 Our Services 11 Health & Safety 12 Audit

More information

The Insurance Industry in Malta

The Insurance Industry in Malta The Insurance Industry in Malta Malta is an independent republic, gaining independence from the U.K. in 1964. It is a full member of the European Union (from 1 st May 2004) and is one of the 15 members

More information

International Hospitality, Tourism & Events Management Programmes

International Hospitality, Tourism & Events Management Programmes AIMING FOR GLOBAL EXCELLENCE Hospitality, Tourism & Events Programmes validated by Manchester Metropolitan University UK (MMU) ENTRY DATES January, March, July and October INTRODUCTION TO IMI IMI University

More information

An introduction to our General Insurance Broking Service. We ll develop a customised insurance and risk management solution to protect your business

An introduction to our General Insurance Broking Service. We ll develop a customised insurance and risk management solution to protect your business An introduction to our General Insurance Broking Service We ll develop a customised insurance and risk management solution to protect your business We ve been helping Australians create secure financial

More information

Our specialist insurance services for International motor risks

Our specialist insurance services for International motor risks Our specialist insurance services for International motor risks International Insurance Services aims to leave you with one thing less to worry about when you consider us for the overseas insurance protection

More information

HR Professionals Building Human Capital

HR Professionals Building Human Capital Human Resource WSQ 1 Marina Boulevard #16-01 One Marina Boulevard Singapore 018989 Tel: 6883 5885 Fax: 6512 1111 Email: http://portal.wda.gov.sg/feedback Website: www.wda.gov.sg Printed in Feb 2015 HR

More information

7 great reasons to choose ABE. ABE progression route. What happens to our alumni? Our qualifications. Business Management. Where can you study?

7 great reasons to choose ABE. ABE progression route. What happens to our alumni? Our qualifications. Business Management. Where can you study? 02 Contents Contents 02 04 05 06 07 08 12 16 18 20 22 23 Welcome 7 great reasons to choose ABE ABE progression route What happens to our alumni? Our qualifications Business Management Where can you study?

More information

Your source of competitive advantage in Saudi Arabia

Your source of competitive advantage in Saudi Arabia Your source of competitive advantage in Saudi Arabia The Tamer Group exceeding your expectations Healthcare, prestige products or fast moving consumer goods is your business. You see Saudi Arabia and the

More information

Occupational Disease Claims Practice The Disease Liabilities Risk Management Tool Disease Liabilities Risk Management Tool

Occupational Disease Claims Practice The Disease Liabilities Risk Management Tool Disease Liabilities Risk Management Tool Occupational Disease Claims Practice The Disease Liabilities Risk Management Tool Disease Liabilities Risk Management Tool Contents Contents i Introduction 1 Why should I hire Marsh? 2 Disease Liabilities

More information

Independent insurance brokers and financial advisers. Offering tailored solutions for corporate and personal clients

Independent insurance brokers and financial advisers. Offering tailored solutions for corporate and personal clients Independent insurance brokers and financial advisers Offering tailored solutions for corporate and personal clients Innovative solutions, personal service Good insurance brokers should listen carefully

More information

Hospitality, Tourism & Events Management) Programmes

Hospitality, Tourism & Events Management) Programmes AIMING FOR GLOBAL EXCELLENCE Hospitality, Tourism & Events ) Programmes validated by Manchester Metropolitan University UK (MMU) ENTRY DATES January, March, July and October INTRODUCTION TO IMI IMI University

More information

Allianz as an employer

Allianz as an employer Allianz as an employer Allianz Headquarters in Munich Allianz SE Allianz SE is one of the leading integrated financial services providers worldwide. With approximately 155,000 employees worldwide, Allianz

More information

LETTER TO BROKERS. Today we are launching Reputation Risk Solutions Limited:

LETTER TO BROKERS. Today we are launching Reputation Risk Solutions Limited: LETTER TO BROKERS Today we are launching Reputation Risk Solutions Limited: We are a new and unique independent specialist Reputation Risk Insurance Intermediary. We believe Reputation Risk Insurance is

More information

can Empowering Professional Advisers Technical Services For professional advisers only

can Empowering Professional Advisers Technical Services For professional advisers only can Empowering Professional Advisers Technical Services For professional advisers only Empowering Professional Advisers can Technical Services Every individual within our Technical Services Team understands

More information

About Us. Our Mission

About Us. Our Mission Maritime Insurance Our goal at Osprey Insurance Brokers is to provide complete marine insurance to meet all of your needs even in this growing and innovating industry. Experts believe risk mitigation will

More information

LEEDS BUSINESS SCHOOL Institute of Directors (IoD) Development Programmes. Exceptional programmes for exceptional people. www.leedsbeckett.ac.

LEEDS BUSINESS SCHOOL Institute of Directors (IoD) Development Programmes. Exceptional programmes for exceptional people. www.leedsbeckett.ac. Institute of Directors (IoD) Development Programmes Exceptional programmes for exceptional people Leeds Business School holds an exclusive regional franchise to deliver Institute of Director (IoD) programmes

More information

HSBC Exchange Traded Funds

HSBC Exchange Traded Funds HSBC Exchange Traded Funds EXCHANGE TRADED FUNDS WWW.ETF.HSBC.COM For professional investors only WWW.ETF.HSBC.COM Just scan what s important to you HSBC Exchange Traded Funds HSBC Exchange Traded Funds

More information

Management Liability Policy

Management Liability Policy TOTAL HEALTHCARE PROFESSIONALS Management Liability Policy Protecting you and your practice from risk Exclusive cover and advice to reduce your risks The Total Healthcare Professionals Management Liability

More information

Insurance Market Review

Insurance Market Review Insurance Market Review His Highness Shaikh Khalifa Bin Salman Al Khalifa His Majesty King Hamad Bin Isa Al Khalifa His Highness Shaikh Salman Bin Hamad Al Khalifa The Prime Minister King of The Kingdom

More information

WEALTH MANAGEMENT FOR WEALTH CREATION AND PRESERVATION

WEALTH MANAGEMENT FOR WEALTH CREATION AND PRESERVATION WEALTH MANAGEMENT FOR WEALTH CREATION AND PRESERVATION PLANNING YOUR WEALTH MANAGEMENT STRATEGY Wealth creation and wealth preservation at LighthouseWealth we achieve this balance for our clients through

More information

SWAZILAND ROYAL INSURANCE CORPORATION ANNUAL RESULTS

SWAZILAND ROYAL INSURANCE CORPORATION ANNUAL RESULTS SWAZILAND ROYAL INSURANC CORPORATION ANNUAL RSULTS Overview of 2011 The Swaziland Royal Insurance Corporation s (The Corporation) main business activity is the provision of short-term insurance, life assurance

More information

Stackhouse Fisher. Specialist insurance services

Stackhouse Fisher. Specialist insurance services Stackhouse Fisher Specialist insurance services Stackhouse Fisher - Specialist insurance services About us Stackhouse Fisher Limited provides specialist insurance broking services to private clients and

More information

Insurance management services

Insurance management services Insurance management services Global vision, local view About us Heritage Insurance Management is the leading independent insurance manager in the European time zone. We are part of the Heritage Group,

More information

Apprenticeship Opportunities

Apprenticeship Opportunities Apprenticeship Opportunities aonearlycareers.co.uk Risk. Reinsurance. Human Resources. Table of contents About us... 3 Why become an Aon Apprentice?...4-5 Apprenticeships...6-7 Full support...8-9 Our requirements...8-9

More information

High Net Worth home insurance guide August 2012

High Net Worth home insurance guide August 2012 High Net Worth home insurance guide Sponsored by www.defaqto.com/gi/free-guides About Defaqto We are an independent financial research and software company. We specialise in collecting, researching and

More information

FREEING YOU TO DO WHAT YOU DO BEST

FREEING YOU TO DO WHAT YOU DO BEST PROAKTIVE PEOPLE FREEING YOU TO DO WHAT YOU DO BEST PROAKTIVE PEOPLE FREEING YOU TO DO WHAT YOU DO BEST WHY? Freeing you to do what you do best. This is our purpose. The reason why ProAktive exists. This

More information

About the course. www.sheffield.ac.uk/is

About the course. www.sheffield.ac.uk/is 1 About the course www.sheffield.ac.uk/is Skills relevant to your career The course is designed to prepare you for a career as an information professional, or for organisational and consultancy roles which

More information

Money Without Frontiers

Money Without Frontiers Money Without Frontiers Universal Foreign Exchange Sterling House Fulbourne Road London E17 4EE United Kingdom Dealing Desk Tel: +44 (0)20 8498 2777 Dealing Desk Fax: +44 (0)20 8527 2848 Switch Board Tel:

More information

A Guide to Invoice Finance

A Guide to Invoice Finance A Guide to Invoice Finance Contents The Skipton Way 3 Invoice Finance explained 4 Sectors using Invoice Finance 5 What is Factoring? 6 An illustrated guide to Factoring 7 What is Invoice Discounting? 8

More information

Personal Financial Planning

Personal Financial Planning Personal Financial Planning Traffic light guide to regulation BUSINESS WITH CONFIDENCE icaew.com Personal Financial Planning Advice Regulation considerations Contents In 2015 we launched Tomorrow s Practice,

More information

OFFICE FOR HARMONIZATION IN THE INTERNAL MARKET (TRADEMARKS AND DESIGNS) Quality Management Department. The Quality Management System Manual

OFFICE FOR HARMONIZATION IN THE INTERNAL MARKET (TRADEMARKS AND DESIGNS) Quality Management Department. The Quality Management System Manual The Quality Management System Manual TABLE OF CONTENTS 1. MESSAGE FROM THE PRESIDENT OF THE OFFICE (THE OHIM QUALITY POLICY)... 3 2. INTRODUCTION... 4 2.1 MISSION OF THE OFFICE FOR HARMONIZATION IN THE

More information

Terms and Conditions

Terms and Conditions Terms and Conditions Terms and Conditions Thank you for choosing drive like a girl which is a trading style of Insure The Box Limited and underwritten by the insurers named below and on your Schedule.

More information

Types of Job in Retail

Types of Job in Retail Types of Job in Retail There are nine job areas that cover the multitude of career options in the retail sector: Store Operations Human Resources / Training Finance and Administration Buying Customer Contact

More information

Opportunities for Growth in the UK Events Industry

Opportunities for Growth in the UK Events Industry Opportunities for Growth in the UK Events Industry Roles & responsibilities A report to the All Party Parliamentary Group For Events Presented jointly by the October 2011 1 Contents 1.0 The UK events industry

More information

Leading Interim Specialists in HR, Change Management and Corporate Communications

Leading Interim Specialists in HR, Change Management and Corporate Communications INTERIM PERFORMERS Leading Interim Specialists in HR, Change Management and Corporate Communications A dedicated provider of interim management solutions London Manchester Brussels About VMA Group VMA

More information

Company Overview. Contact: info@ostiasolutions.com. Address: 6 The Mill Building, The Maltings, Bray, Co Wicklow. Web: www.ostiasolutions.

Company Overview. Contact: info@ostiasolutions.com. Address: 6 The Mill Building, The Maltings, Bray, Co Wicklow. Web: www.ostiasolutions. Company Overview Contact: info@ostiasolutions.com Address: 6 The Mill Building, The Maltings, Bray, Co Wicklow Web: www.ostiasolutions.com Phone: +353 1 276 80 48 About Ostia Solutions Ostia Solutions

More information

ForexPrince : FXP Liquidity Ltd. Reg.No.9568035, 20-22,Wenlock Road, London N1 7GU. Tel : + 44 203 8088959 Email : support@forexprince.

ForexPrince : FXP Liquidity Ltd. Reg.No.9568035, 20-22,Wenlock Road, London N1 7GU. Tel : + 44 203 8088959 Email : support@forexprince. ForexPrince : FXP Liquidity Ltd. Reg.No.9568035, 20-22,Wenlock Road, London N1 7GU. Tel : + 44 203 8088959 Email : support@forexprince.com A Broker on Your Side Forex Prince is a true No-Dealing-Desk broker

More information

Vocational and Higher Education. Business and administration courses. Courses commence February. Take Action. Get Set for Life. www.holmesglen.edu.

Vocational and Higher Education. Business and administration courses. Courses commence February. Take Action. Get Set for Life. www.holmesglen.edu. Vocational and Higher Education Business and administration courses Courses commence February. Take Action. Get Set for Life www.holmesglen.edu.au Career Pathways: Get Set for Life Making the right tertiary

More information

Department of Economics. Postgraduate Study

Department of Economics. Postgraduate Study Department of Economics Department of Economics Postgraduate Study The Department of Economics has an international reputation for practical and real world economics. We are a leading research University

More information

E ternal audits. grow. NHS Credit Union Ltd. arising during the audit can be dealt with quickly have presented courses on credit union auditing

E ternal audits. grow. NHS Credit Union Ltd. arising during the audit can be dealt with quickly have presented courses on credit union auditing E ternal audits Alexer Sloan, Chartered Accountants have add real value to y Credit Union with experts on The NHS Credit Union has enjoyed a long sting highly effective business relationship with Alexer

More information

REQUIREMENTS. for OMAN S SYSTEM OF QUALITY ASSURANCE IN HIGHER EDUCATION

REQUIREMENTS. for OMAN S SYSTEM OF QUALITY ASSURANCE IN HIGHER EDUCATION APPROVED VERSION Page 1 REQUIREMENTS for OMAN S SYSTEM OF QUALITY ASSURANCE IN HIGHER EDUCATION APPROVED VERSION Page 2 TABLE OF CONTENTS INTRODUCTION Part One: Standards I. Standards for Quality Assurance

More information

MA Applied Project. Management. people. development. growth. strategy. knowledge. solutions. process

MA Applied Project. Management. people. development. growth. strategy. knowledge. solutions. process people MA Applied Project development strategy solutions growth knowledge QA is the foremost provider of education in the UK. We work with individuals at all stages of their careers, from our award winning

More information

Management accountancy and the changing face of the finance function.

Management accountancy and the changing face of the finance function. Management accountancy and the changing face of the finance function. Thierry Iovane (CIMA Director of Europe). E-mail: Thierry.Iovane@cimaglobal.com There has never been a better time to be a management

More information

Delivering Excellence in Insurance Claims Handling

Delivering Excellence in Insurance Claims Handling Delivering Excellence in Insurance Claims Handling Guide to Best Practice Delivering Excellence in Insurance Claims Handling Contents Page 1. Introduction 1 2. Executive Summary 2 3. Components of Best

More information

QBE Dubai The specialist in business insurance

QBE Dubai The specialist in business insurance QBE Dubai The specialist in business insurance Introduction If you ve been given this brochure, it probably means you re considering doing business with us. We hope that what you read here will tell you

More information

Capstone Financial Group Client focused, integrity driven advice

Capstone Financial Group Client focused, integrity driven advice Capstone Financial Group Client focused, integrity driven advice Welcome to the Capstone Financial Group. We are an Independent Financial Planning and Wealth Management Company, specialising in providing

More information

Binary Options 14.07.2015 1

Binary Options 14.07.2015 1 Notice to applicants for a Category 3 Investment Services Licence that would like to carry out binary options trading in terms of the Investment Services Act, Cap. 370 The Malta Financial Services Authority

More information

Study at one of the top 25 universities in Europe

Study at one of the top 25 universities in Europe Masters programmes Executive MBA Business Studies Computer Science Psychology English Studies Study at one of the top 25 universities in Europe Success in a world without borders Career matters Your studies

More information

Oppor o t r unit i ie i s e s W it i hin i T h T e e M alt l e t s e e s e Fin i ancia i l l S ec e to t r o Banking

Oppor o t r unit i ie i s e s W it i hin i T h T e e M alt l e t s e e s e Fin i ancia i l l S ec e to t r o Banking Opportunities Within The Maltese Financial Sector Banking Growth of the Industry Malta s international banking centre has been gaining considerable ground in establishing itself as a finance hub in the

More information

All available Global Online MBA routes have a set of core modules required to be completed in order to achieve an MBA.

All available Global Online MBA routes have a set of core modules required to be completed in order to achieve an MBA. All available Global Online MBA routes have a set of core modules required to be completed in order to achieve an MBA. Those modules are: Building High Performance Organisations Management and Organisational

More information

Aston Martin is proud of its graduate development programme and will be looking to recruit graduates across the following functions:

Aston Martin is proud of its graduate development programme and will be looking to recruit graduates across the following functions: Graduate Recruitment Aston Martin was founded in 1914 by Lionel Martin and Robert Bamford. They believed that a sports car should have a distinctive and individual character, that it should be built to

More information

HW Fisher & Company A guide to our services

HW Fisher & Company A guide to our services HW Fisher & Company A guide to our services Working with you... Everything we do is designed to meet the needs of our clients, helping them to grow and prosper in their marketplace. We work in partnership

More information

EasyBuild provides unique specialist software for the construction industry. Modules provide all the management and accounting functionality to

EasyBuild provides unique specialist software for the construction industry. Modules provide all the management and accounting functionality to EasyBuild provides unique specialist software for the construction industry. Modules provide all the management and accounting functionality to bridge the gap between office and site, enabling your business

More information

Generali, Your Loyal Insurance Partner Since 1831

Generali, 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 information

MSc in Banking Practice and Management and Chartered Fellowship

MSc in Banking Practice and Management and Chartered Fellowship MSc in Banking Practice and Management and Chartered Fellowship Part-time Executive and Online programmes +44 (0)1227 829499 enquiries@ifslearning.ac.uk www.ifslearning.ac.uk The ifs School of Finance

More information

HR ADVISOR JUNE 2015

HR ADVISOR JUNE 2015 HR ADVISOR JUNE 2015 About Us With a history reaching back more than a century, King Edward VII s Hospital is dedicated to offering its patients the most up to date treatment facilities in the UK. Together

More information

Introduction to Grant Thornton s General Insurance Actuarial Services

Introduction to Grant Thornton s General Insurance Actuarial Services Introduction to Grant Thornton s General Insurance Actuarial Services Contents What our clients say about us 2 Our key principles 4 How we can help 5 Reserving 7 Solvency II 8 Independent expertise 10

More information

GII founding shareholders are leading major regional and international corporates in the insurance industry :

GII founding shareholders are leading major regional and international corporates in the insurance industry : www.giionline.net Mission The GII is a leading centre of excellence which, in cooperation with international qualifying bodies, provides learning, sustains development and rewards achievement for professionals

More information

International money transfers made easy.

International money transfers made easy. International money transfers made easy. A bit about Moneycorp Foreign exchange explained Any reason, any currency We ve been in business since 1979. And our clients have always been at the heart of what

More information

Insurance Brokers Private Clients

Insurance Brokers Private Clients Insurance Brokers Private Clients Bruce Stevenson Service Bruce Stevenson understands that every client is different and that many require a type of cover that is wider to that supplied to the mainstream

More information

Building International Capability

Building International Capability Building International Capability Introducing BridgehouseLaw and DWF link TOP 5 5 STAR Futures TOP 10 Employer NPS 61 crisis response pinpoint C.Sat 8.6 30 % FTSE 100 7,764 pro-bono hours invested Better

More information

SWAZILAND ROYAL INSURANCE CORPORATION

SWAZILAND ROYAL INSURANCE CORPORATION SWAZILAND ROYAL INSURANCE CORPORATION Financial Highlights for the Year Ended 31 December 2014 Short-Term Insurance Business Movements Gross Written Premium (GWP) 6.83% Investment Income short-term funds

More information

Irish Life Corporate Business Group Pensions Made Easy. Pensions Life Assurance Income Protection

Irish Life Corporate Business Group Pensions Made Easy. Pensions Life Assurance Income Protection Irish Life Corporate Business Group Pensions Made Easy Pensions Life Assurance Income Protection Overview of Irish Life Overview of Irish Life Irish Life is Ireland's biggest life and pension company and

More information

Customer Centric Cloud Based CRM Pricing

Customer Centric Cloud Based CRM Pricing Customer Centric Cloud Based CRM Pricing Customer Centric Cloud Based CRM Pricing Template Customer Centric, Cloud Based, CRM Price Bands Complexity (Prices from) Pricing method Low Medium High CRM System

More information

Introducing. A new company set to make an impact on the South African life insurance industry

Introducing. A new company set to make an impact on the South African life insurance industry Introducing A new company set to make an impact on the South African life insurance industry Executive summary BrightRock is a new financial services provider offering differentiated life insurance products,

More information

Taking the helm. Helping your business reach calmer waters

Taking the helm. Helping your business reach calmer waters Taking the helm Helping your business reach calmer waters David Rubin & Partners provides a specialist service to individuals and organisations wishing to restructure their financial arrangements. We add

More information

6PM is based in Malta and has offices in the UK, Ireland and Macedonia.

6PM is based in Malta and has offices in the UK, Ireland and Macedonia. Corporate Profile 6PM is a leading IT and software solutions company delivering award winning healthcare solutions as well as professional services and infrastructure enabling organisations to enhance

More information

www.amc.edu.au/mlm 2014 COURSE GUIDE

www.amc.edu.au/mlm 2014 COURSE GUIDE Imagine life without logistics nothing would get from A to B. Shops would be empty, you wouldn t have fuel for your car, and the order now button would be useless. With a maritime and logistics management

More information

Even the best CRM software in the world will not meet expectations if its implementation does not meet your specific requirements.

Even the best CRM software in the world will not meet expectations if its implementation does not meet your specific requirements. Fact: But... To maintain a competitive edge in today s tough markets, a well-implemented customer relationship management (CRM) solution has become an essential investment, increasingly so for small to

More information