Awash Insurance Company: Fill & Download for Free

Short answer, quite a lot. And yes it did cause dampness and mildew. Even on a modern fibreglass yacht mildew is an ever present problem.Joseph Conrad, probably THE author of the sea, in “Youth,” talks about about a storm, with water coming through the hatches, through the planking seams, through deck leaks, and the soaking that the cargo of coal received then causing spontaneous combustion. To probably misquote:“It was our fate on that ship to pump. First we pumped water out of her for our lives to keep her afloat, then we had to pump water into her for our lives to stop being burnt to death.”And from Stan Rodgers, “Barrett’s Privateers:”“We were 91 days to Montego Bay, Pumping like madmen all the way.”Says it all, really.Crew slept in hammocks in the older ships, in the navy the hammocks were slung over the guns. In combat the hammocks, bundled up like sausages, were racked along the rails to absorb musket fire and splinters. The officers had bunks, in tiny cramped cabins. Later on, in the era of the clippers, thanks to the Merchant Seaman’s Act, the crew had narrow cramped bunks in the foc’sle. Since the hawse pipes for the anchor chain came through the foc’sle, and were imperfectly waterproofed, chain is not easy to seal off, in heavy weather the foc’sle was commonly awash.And what were the men doing? Log excerpts are enlightening:“August 15th: 0230, lost (first) Mate and eight washed from the main topsail yard. Put Second (mate) and five in number 2 boat, wore ship for a lee.0435, recovered all personnel, wind remains hurricane force, South East.Cape Horn bears 150 miles due North.”Think about it, read between the lines. No lights, no engine, in the middle of the Southern Winter, hurricane force (64 knots plus,) 150 miles South of Cape Horn. A sail made from damn near bullet proof frozen canvas being beaten into submission by men in likely bare feet standing on a one inch steel wire foot-rope 45 feet out on a topsail yard, 50 feet above the ocean are suddenly swept over board by a huge wave.The Captain sails backwards and forwards to create a wave break, launches a boat, signing his own death warrant if he does not get his crew back as he no longer has enough crew to work the ship, and gets them all back.Tough men, and skilled, the ocean has not seen men like them since.The insurance company actually criticised the Captain for going back for the nine men, as they considered his action had jeopardised the cargo.

Yes of course Republicans care about people going into bankruptcy. But the bankruptcy from medical bills is a canard foisted by Democrats and progressives. It’s a total misrepresentation of statistics.When anyone files bankruptcy, all outstanding bills are listed. That includes the house mortgage, the car loan, the business loan, whatever is owed on a lease, all the credit card bills and of course any medical bills. 10% of the bankruptcy bills are medically related, far out shadowed by the other stuff.Canada has national healthcare. The bankruptcy rates between both countries are nearly equal even before Obamacare. Bankruptcy: Comparing Ourselves With Our Neighbor to the NorthIt’s difficult to conclude that bankrupt folks are awash in healthcare debt when nearly 90 percent of their obligations are unrelated to health care … Will ObamaCare’s increased regulation of the healthcare marketplace help put an end to the phenomenon?Data from countries with government-run healthcare systems suggest not.Consider Canada. Our neighbor to the north features a government-run, single-payer healthcare system where private insurance is outlawed for procedures covered under the law. So you’d think that Canada would have a lower rate of bankruptcy than the United States, what with one big potential cause of bankruptcy — the cost of health care — absorbed by the government.But according to researchers at the Fraser Institute, a nonpartisan Canadian think tank, bankruptcy rates are statistically the same on both sides of the 49th parallel. In both the United States and Canada, less than one-third of 1 percent of families file for bankruptcy each year.Further, even with a socialized healthcare system, some Canadians go bankrupt because of medical expenses. Approximately 15 percent of bankrupt Canadian seniors — those 55 and older — cited medical reasons, including uninsured expenses, as the main culprit for their insolvency. Do 643,000 Bankruptcies Occur in the U.S. Every Year Due to Medical Bills?Why Warren's New Bankruptcy Study is So BadThe Myth of the Medical Bankruptcy

I read this article a while ago, when I was back in school. Strategic Innovations in Auto Insurance Industry courtesy of Big Data-driven Predictive AnalyticsInsurance companies today are awash with data from varied sources, which include, but not limited to policies, claims trends, sales quotes, user demographics, social media content, competitor products etc. The ability to analyze all this information in real or near-real time allows building more sophisticated & accurate predictive models that are free from clustering anomalies and providing innovative data points by correlating tangible information from external systems with current and historical data from core systems.In today's highly competitive Auto Insurance market place, the biggest challenge for companies seeking sustainable growth is to make premiums better reflect the company’s current risk and be able to price market segments with higher perceived levels of fraud that they are not currently reaching. This can be accomplished through better risk assessment, efficient claims processing and introducing creative product strategies.Risk Assessment:With Insurance companies continually challenged by strict regulations, emerging risks and market instabilities, Actuaries are progressively embracing Predictive Analytics to improve underwriting quality and optimize pricing byGenerating fraud propensity scores through innovative techniques like pattern and graph analysis, social network analysis, logistic and linear regression modelling etc. to expeditiously identify instances of insurance fraud.Building precise Price Optimization Models based on book of business, customer-sentiment analysis on premium adjustments, up-to-date market demand feeds from online channels etc. to identify lucrative pricing structures that allow price maximization without impacting customer retention.Underwriting policies in disaster-prone high risk regions by building behavioral models based on compiled customer data cross-referenced with satellite data and weather patterns to better understand and evaluate prospective risk.Claims Management:Recent technological advances in Big Data have prompted wide-spread adaption of Predictive modeling in Claims Management as well forComparing factors of ongoing claims like the insurance coverage, claimant demographics, injury specifics, treatment options, incident venue, fraud indicators, etc. against past claims with similar fact patterns to provide insights in more accurately formulating settlement values.Accelerating claim settlement times with fewer resources by, uncovering correlations to better match available time & talent to claim tasks and automating steps in the decision making process.Assessing historical claim data using Stochastic modelling for proactively identifying claims that have high probability of developing into substantial losses over time. This allows claims professionals to moderate cost escalation by allowing them time to effectively pool resources and apply optimal claim settlement strategies.Product Strategies:Big Data transformation is also empowering insurance companies to conduct business in dramatically new ways likeComparing comprehensive data on customers driving practices captured through telematics devices with aggregate data from other sources like policy, profile, claims, actuarial etc. to offer usage-based insurance with competitive premiums based on driver’s habits, history, and degree of risk.Intelligently develop content and promotions by leveraging the exhaustive heat maps generated from the website click stream data to improve customer engagement and drive online sales.Mining the comments, interests, tweets, connections etc. from social media profiles to identify potential customers, popular promotions, product reviews and feedback etc. without the need for elaborate surveys. [1]REFERENCES:[1] Strategic Innovations in Auto Insurance Industry courtesy of Big Data-driven Predictive Analytics