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Parameters in Underwriting Motor Insurance



The underwriter uses several parameters to underwrite vehicle insurance risks. Here we explain three of these parameters:

Insured driver  

The driver is also an important parameter in underwriting. The best car, if driven by a bad driver will result in accidents and losses. Hence the underwriter will take into account a lot of information related to the Driver. 

The age of the driver has a bearing on the loss ratio. The younger drivers are prone to make accidents and cause losses. The younger drivers are more enthusiastic and easier to make bad decisions which will end up in accident and loss. 

Age of the driving license and the years of experience of driving a motor vehicle. A holder of a new driving license is considered a high risk. Apart from this the insured might have obtained a driving license but did not get an opportunity to drive hence the age of driving license may be more but the experience may be less. The underwriter must get detailed information in order to understand the real experience of the driver in driving the vehicle. 

The underwriters should also know whether the driver is suffering from any physical and or mental infirmity, hearing problems or defective vision, or even color blindness. These attributes will have an impact on the accidents. The healthy and physically fit drivers will have more endurance and will cause fewer accidents compared to the person with some of the defects as mentioned above. 

The gender of the driver may also be a criterion for underwriting. Studies have been done on this issue and it has been found that women are much safer drivers compared to men. Once again this is not the major criteria for underwriting. 

Apart from the age of the driver some even consider marital status, which has a bearing on the risk. There is an assumption that most married people tend to stay at home compared to bachelors. This assumption makes married people a safer risk compared to bachelors. 

Driver past accident records also help in making the right underwriting decision. If a driver has more accidents then the chances are that he may be a bad driver or a careless driver. The careless driver reflects a moral hazard. Hence, he should be rated higher and even the deductible can be increased. 

The occupation and educational level of the driver is also important as there are certain occupations that have proven to have bad accident records. Even driver with good education seems to be good drivers. Some insurance companies treat these as important underwriting criteria for motor insurance. 

Convictions of the driver for traffic violations is also an important criterion for evaluating the risk the underwriter is assuming. A person with numerous convictions will be a morale hazard and may cause a loss to the insurance company. The underwriter should be able to probe the detailed information obtained with regard to convictions normally during the last five years. 

No matter what type of driver you are, you can get a cheap Aflac auto Insurance. Just compare various quotes and get the policy that best meet your insurance needs. 

Geographical area of usage

Some insurance companies have differential ratings for different geography. Like a vehicle plying in the city, roads are considered at a higher risk than a vehicle plying in the countryside. Then the underwriters also categorize areas of risk, as the vehicle when used near a sea coast is more prone to rusting and may cause more accident and depreciation than the vehicles which are used in places away from the seaside.

Similarly, some areas are prone to natural disasters like floods. The rating for vehicles coming from such areas may have higher compared to the vehicles coming from other safe areas. There are also areas prone to theft and some areas are considered safer areas. The areas which are prone to theft will invite additional premium and a higher deductible the areas which are considered safer. 

Regardless of where you live or drive, you may qualify for cheap insurance such as car insurance with no down payment. Get fast and easy quotes online and find the policy you need. 

Insured estimated value or sum insured of the vehicle  

Insured estimated value (IEV) also known as the Insured declared value (IDV) is an important requirement of motor insurance. IEV becomes sum insured under the own damage section of the vehicle. It is required for package policies. This is not required for third party insurance. The rating for the vehicle is based on the IEV and the underwriters usually work out a percentage of the IEV and if the value is low then there is a minimum premium criterion that will take care of low-value cars.

This value is provided by the insured and the insurer will only make a judgment as to the correctness of the value. The declaration of low value will go against the insured. Whereas declaring a higher value than the real price of the vehicle will cause the insured to pay more premium without any benefit. 

For example, if Mr. X wants to insure his car which is worth US$ 100,000 and the underwriter decides to rate it at 4% then the insurer will charge 4% of 100,000 which comes to $ 4,000. The insurer has minimum premium criteria of $1,000. In another case, if Mr. Y wants to insure his car and the IDV or IEV is $ 20,000 and the rate arrived by the underwriter is 4%. Then based on the value the premium should come to US$ 800. But in view of minimum premium criteria, the premium charged to the insured will be $1,000, which is the minimum premium criteria.

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Advantages of Buying Facebook Page Likes or followers



Facebook Page Likes

Nowadays, Facebook is a popular marketing tool with the highest record of the top-visited social networking website. It is common throughout the world, connecting people on a single platform. Millions of users are active participants on the website, and in no time, they are looking for some new feed on their page.

It possesses many benefits for business, especially for products, brands, artists and vlogger. It is a fact that Facebook can potentially sell your brand, products, or other services in a short time without investing much. That is why people often choose to buy Facebook Page likes and establish their business online from trusted marketing agencies such as Famoid.

The need for Buying Facebook likes

Well, when you want to expand your business, your posts, campaign, and services must get millions of likes, your page has high numbers of followers, and your videos get a large number of views. This is when buying Facebook likes, and followers become significantly important, and it becomes wise to buy the service.

Advantages – Why Should You Buy “Likes”

  1. The best option for a newly launched business

Buying Facebook likes and followers is the best choice if your product or brand is newly launched as getting likes and followers is usually a slow process. In fact, your target group might be unaware of your page, which is why buying likes is the only option to boost your new page in no time.

  1. Legitimate your page or service

It will legitimate your page or service campaign which you are running. It is not easy for people to trust a service which holds merely 23 or 30 likes. Buying “Likes” gives your product or brand an instant rise in the marketplace. Buying thousands of likes on your Facebook page will likely advertise your product, brand or service to a huge number of people.

  1. Make a good brand reputation.

More likes will help you in making a good reputation for your brand or product. With a huge number of likes, your page will surely be visible to more people more frequently. It is a practical way to create an environment that will support your brand’s establishment to remind more people to think about your product or service.

  1. Increase your Page Fans

This is an ideal way to make an increase in your fans. A huge number of likes on your page will attract more people who see your page in their news feed through Facebook ads and another campaigning.

  1. Optimize the credibility and sustainability

Buying Facebook page likes or followers optimize the credibility and sustainability of your product, brand or services. Your content becomes more competent and reliable if a large number of people will back it up. Obviously, you will have an opportunity to reach a large community in a short time.


It is hereby being concluded that buying Facebook page likes or followers will help you grow as a business with more ease. No matter what is your product or service, it needs to be recognized by more people. Buying Facebook page likes is a quick way to reach a large number of people in no time.

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The aging population and the younger ones, creating a perfect balance – caregivers in Nj




One’s health refers to the traditional, objective and biomedical view of the absence of infirmity or disease. And for this we say home health care at home. But to a holistic view, that adds mental resources and social well-being to physical health. So, Health services goes beyond health education and disease prevention. In as far as it is based on that concept and enhances the analysis and development of the health potential of individuals.

The WHO Ottawa Charter defines health in a broader concept as: “the process of enabling people to increase control over, and improve, their health”. Based on this notion of health as a positive concept, the Ottawa Charter put forward the idea. And their idea is that “People create and live health within the settings of their everyday life; where they learn, work, play and love”. This approach on health, founded on the experience of community and organizational development led to a number of initiatives. And in which one of these is the ROYAL CARE GIVERS.  Royal Care Givers is a local family-owned boutique care agency with a focus on maximizing the health and quality of life of each individual served.

Who are Royal Care Givers?

We are a religious oriented, cloister-affiliated institution providing flexible personalized care to the elderly, psychologically deviant and others in need.

Eventually, parents become older. They become sick, weak and frail. With their conditions come the need for more attention, more love, more understanding, and more importantly, quality elderly care. While you as a child or relative can care for your elders, often, the challenge can be huge as you juggle caregiving with your own family, life, and career. Caregiving for the elderly can be a demanding task, and you can find yourself torn between your own needs and those of the elderly you’re caring for.

While elderly care can be difficult with its many demands, it is still important to provide them what they deserve for their own health, safety, and well-being.

This is where you can fully count on us. We provide

  • Companionship
  • Personal care
  • Transitional care

And additional services such as

  • Medication reminder
  • Long-term care
  • Errands (grocery)
  • Light housekeeping, among others.

Providing elderly care with the help of ROYAL CARE GIVERS stops them from feeling isolated and depressed. We help to partake in social activities, community engagements and exercises that empowers and energizes them.

ROYAL CARE GIVERS do more than just care for your elderly parents or loved ones, we also become almost part of the family. We nurture, care for, interact, and bond with the elderly as well as their families.

How we do home health care at home?

Part of our properly caring for your elderly is providing them a sense of purpose so they will always look forward to the days ahead of them instead of filling with dread or uncertaintyWegain insight into their values by spending time to talk to them and getting to know their history, how they lived, how life was in their times, and learn values that we can also apply to your generation.

Empathy, patience, attentiveness, dedication, creativity and trustworthiness characterize us.

Our caregivers are highly skilled accredited and licensed professionals dedicated to providing the highest degree of personalized home care services in an efficient and professional manner.

Our services are very flexible as we have live-in and live-out options available to our cherished clientele.

We provide flexibility in terms of payments too. We strive to be an inclusive agency and care for clients with different budgets.

Royal Care Givers, love and excellence in home care!

Get In Touch

We Are Always Here For You

Toll-free: 1-800-668-2317

Emergency Hotline: 973- 991-3736


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The new output optimizing model: the digital oilfield




To promote exploration, development, and wellhead operations, petroleum and oil and gas companies rely increasingly on a stable and robust communications network. For these businesses, transformation to the digital oil field is necessary to support the development and establishment of productive, connected enterprises and foster offshore and onshore innovation.

To maximize output and minimize downtime, unplanned repairs, futureon well visiting, and other operating costs, oil and gas producers have expanded data access.

Allow the remote monitoring of the digital oilfield.

Access to pump, lift, wellhead, and other devices knowledge has historically been a challenging work operation. Onshore, workers had to move and physically collect data from platform to platform. The output is supervised offshore by one person stationed on each platform. In terms of actual oil and gas, such as pressure, the pumped capacity, etc., field engineers made assumptions on each platform. These practices have not only endangered lives, but they have also taken the time and brought in the potential for data polluted by human error. For this purpose, leading automation providers combine the information gap with fully automated, integrated systems to allow data to be collected and sent from a remote location to a centralized location. Using advanced wireless communication and visualization solutions, petroleum and gas companies can now remotely access and track machine data and collect analytics of the natural oil and gas coming from the ground to develop the digital petroleum industry. As the advantages of automation, connectivity, and IT converge, these wireless solutions combine various oilfield information into sources of information that are operational, irrespective of origin.

With investment in remote monitoring technology in the digital oilfield future, operators may use multiple applications from one place to access and control equipment, production data, and asset analytics, which may be hundreds or thousands of kilometers from the platform itself. This technology combines software, hardware, and sensors seamlessly in a range of wellhead applications to obtain key operating details, such as daily oil production, energy consumption, oil pressure, etc. Back in realtime to a central spot. Operators can track the current operating conditions continuously, repair bugs, and make earlier process improvements to boost uptime – all without leaving their workstations. They may also follow their most essential assets more efficiently to streamline the sector results, assign resources effectively, foresee adjustments to well data, and assume based on continuous process data variables.

Harness Data Deluge Prevention Management

Although remote monitoring contributes to maximizing production, oil and gas companies need to be careful about overloading information. With the quantity of information relating to the assets increasing, operators may be overwhelmed.

Operational management tools can be used to avoid overloading information to help turn data from across the digital oilfield network into information that is easy to understand. These systems capture, interpret, contextualize and exchange information for oil and gas support over remote monitoring. Manufacturers optimize operations. Operating management systems can automatically collect production data, measure KPIs and view easily through the wireless remote technology by combined production intelligence with intuitive dashboards and historical features.

Furthermore, the application of operational management provides an alternative to data drift by facilitating collaborative environments in which remote experts determine and qualified operators apply their recommendations. Automation providers provide remote service support to delegate centrally located automation data collection and analysis, troubleshooting, and maintenance Professionals. Professionals. Diverting knowledge to specialists outside the premises will help providers concentrate on ensuring a smooth operation.

Cloud technology support for digital oils in the future

Much as the cloud has helped revolutionize banking, telecoms, and back-to-business services over the past decade, oil and gas companies are helping develop the digital oil field by providing an alternative to conventional on-site facilities. Cloud technology primarily removes the need for capital investments, particularly for small to medium-sizing businesses with no budget to invest in infrastructure, to design and maintain a physical data storage infrastructure.

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Solve 3 water network challenges with smart water solutions




The efficiency of water networks in New Zealand and Australia can be enhanced by smart water solutions. These solutions are cost effective and scalable, and require the engagement of specialist smart water solutions providers. These solutions focus on pipeline condition assessment, water loss management and active leak detection. If you need help developing or implementing smart water networks, we can help you find the solutions. 

Solve 3 water network challenges with smart water solutions:

A good company help water utilities operate efficiently via best and right smart water network technologies application, pipeline condition assessment technologies and smart water software platforms.

  1. Water loss management:

Water loss management projects establishment needs a different range of leakage reduction activities like leak detection, step-testing, pressure management and DMA establishment. It is critical to measure and monitor water movement within water network.

Water distributes via underground pipes that can leak before reaching the final point. There are many projects that have achieved success in lowering the leakage level via ongoing field activities and better processes.

Nowadays, water loss management strategies can prove helpful. These strategies change with time and now they are available at lower cost too. Water utilities should consider the main issue in formulating a plan for reducing leakage. These issues include political considerations, steps in formulating plans, regulators, savings estimation and more.

Benefits of water loss management:

  • There are so many benefits of water loss management Sydney. You can get benefit of reliable water supply.  Damaged pipes are prone to catastrophic bursts, so it is important to fix it to manage water loss. 
  • It is important to find and fix all sorts of leaks as it improves quality of water that reduces various health risks.
  1. Smart water networks:

Smart water networks Australia solutions aim at improving the reliability and durability of the physical water network. In order to achieve this, it analyses measures and does the detailed inspection of the network. Smart Water network solutions also provide the detailed report of the same. It uses latest technology and various digital solutions such as field sensors to improve the quality of the network. 

Why one should go for Smart Water Network?

In order to ensure better quality of physical water network you should get network solution from professionals. There are various issues that need to be addressed while examining a physical water network such as a leakage, hydrogen sulphide deposition or inadequate pressure at the mains and many others.

Smart Water Network Solutions is about using latest technology to develop an effective interface between digital and physical parts. Some of the salient features are:

  • Customer gets real time notifications about incidents such as burst water mains. In addition to it, customer also gets regular updates regarding the status of repair through SMS or social media platforms.
  • Customer can check information about the quality of water on our dashboards.
  1. Active Leak Detection:

There are so many technologies are used for active leak detection in water supply networks. These technologies include correlating leak noise loggers, pipe and cable locators, leak noise correlators, ground microphones, amplified electronic acoustic listening stick and more. These are used to find out leak locations in buried potable water pipelines. A pressurised water pipe can create acoustic signature of the leak that is transmitted by the water main.  When water escapes the pipe it makes a sound under pressure that helps detect the leak. 

You can find the best company that can offer you professional’s services and solutions that can prove helpful to you. You can achieve lower levels of water loss by choosing these solutions, so go for the best.

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How to Achieve Optimal Results With Marketing and Advertising




While often used interchangeably, there really are quite a few key differences between strategic marketing and advertising. In short, marketing is the act of identifying consumer needs and then determining how best to fulfill those needs. On the other hand, advertising is essentially the act of selling a business and its goods or services via paid media.

So just what are the differences, and why is marketing often considered by so many people to be inferior to advertising? Well, it has long been known that marketing and advertising are basically the same thing. And while this may seem to make sense on a surface level, there are actually several distinctions that have been made over the years. One of the first major distinctions came about with the rise of brand names. Creative Advertising initially started off as merely a method for marketers to get any information across to consumers, and that was about it. Check out how can tackle your digital problems.

However, in the decades that have passed since, advertising strategies have come a long way. Today, marketing is often used in tandem with advertising in an effort to get consumers to recognize particular brands and to bring about a brand recognition within the market. For example, the creation of the blockbuster movie The Social Network was largely driven by the marketing techniques of the film’s producers, rather than on the back of solid, original filmmaking.

But even within the realm of traditional marketing and advertising campaigns, you’ll find that some have more influence over the outcomes than others. For instance, while SEO has come to be recognized as something that can help you get found on Google and other search engines, many businesses still do not fully utilize this tactic. This is because SEO can be a bit complicated, and many people do not feel they possess the expertise level to master it. On the other hand, if done poorly, it can get your website banned or even penalized by the search engines.

The other form of digital marketing, you need to learn about are social media marketing and digital advertising strategies. The success of Facebook and Twitter, as well as YouTube and other video sharing sites, has demonstrated the effectiveness of these types of marketing techniques. But they have also made the task of getting your target audience to react poorly a lot harder. In essence, this involves using certain social media platforms to “pimp” up your website or blog with captivating ads and links and then having your target audience to click those links in order to visit your site. There are some great reasons to invest in this form of advertising strategies, but you’ll need to work hard to make sure you’re doing it right.

As a digital marketing and advertising practitioner, the kind of effort that you put into this form of marketing is going to go far towards determining whether or not you succeed at the endeavor. So it goes without saying that the kind of work you do as a product marketing manager will determine the results that you achieve. If you want to get the best results, you should always aim to put in the kind of effort and time that would be required to find the best people to market to. Doing this sort of work online can be a very rewarding experience, but it also requires a fair amount of effort on your part to make sure that you can find the best people to work with.

Getting the best out of digital marketing communications requires more than just being able to come up with great business ideas. You also need to know how to effectively implement those ideas. For example, if you have an idea for a social networking site that could connect a large number of people, then you’ll need to learn all about Internet business practices so that you can be sure that your social networking site is both legal and safe. You must also take the time to learn about the different ways that you can market your site once it’s up and running. These include everything from the proper digital marketing communications techniques to the kinds of promotional tools that would help you get the most out of your business. Social media can be a highly effective way of reaching potential customers because there are many people who are interested in it. That means there’s a lot of potential customers to be reached, which is one of the reasons why social media is becoming such a big deal these days. Even more importantly, it can be used as a very effective means of marketing and advertising because of the huge number of users it has. It’s one of the most powerful marketing tools that many businesses have at their disposal.

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