Use Premium Financing to increase your benefits

Stuart Chamberlin, President

Why you should use premium financing as a leverage to increase your benefits.

Leverage definition is – the action of a lever or the mechanical advantage gained by it.”

— Merriam-Webster

BOCA RATON, FL, US, June 21, 2018 /EINPresswire.com/ — Leverage is used every day from financing a home using a mortgage or using a credit line for a business. Leverage can be used for a lot more when it comes to insurance products and when it is used it’s called premium financing. Premium Financing involves the lending of funds to a person or company to cover the cost of an insurance premium.

This concept is not much different than using a bank mortgage to leverage assets to purchase a home. Money is borrowed to buy more house (or with premium financing access to more benefits) than one could purchase with assets on hand.

This concept has been used for years by high net-worth individuals who have illiquid assets or they don’t want to use a lot of their working capital to pay life insurance premiums. So instead they financing their premiums through a bank or lending institution at a low interest rate usually close to the LIBOR rate. By doing this they only pay the interest on the premiums being financed and still get the full benefit of the policy.

When using this strategy to finance the premiums of an indexed universal life policy (IUL) you have the potential of growth on the cash value since it’s linked to an index like the S&P 500 without the risk. All of the gains are locked in annually and there are many index strategies to choose from including some that have participation rates as high as 135%.

When the gains on the cash value are greater than the interest being charged on the financing you have what’s called an arbitrage situation. This can also be a more cost effective way to cover additional benefits to attract top talent for a business or to cover a key man policy or succession planning.

Most premium financing strategies are only available for high net-worth individuals with a net-worth of 5 mm or higher. The Kai-Zen strategy is available for individuals earning 150k a year or higher giving them the same advantage high net-worth individuals have been benefiting from for years.

Due to limitations, traditional retirement plans are typically insufficient for high-income earners. If you want to maintain your lifestyle in retirement, you need a proactive strategy that puts more money toward protecting your future income without putting a drain on your current finances.

Kai-Zen is the ONLY strategy that uses leverage to help you acquire more benefits you need to financially protect you and your family. It’s unique fusion of financing and life insurance offers you more protections and the potential to earn more retirement than you could obtain without leverage.

How it Works

The Kai-Zen strategy is simple. Premiums are jointly funded by bank financing and the participant or employer. The bank financing provides the majority of the total contribution to the plan, and the life insurance policy itself is the full security for the loan. This strategy is specifically designed so that the participant is not required to go through financial underwriting or sign loan documents. As an additional protection, Kai-Zen’s structure is also set up protect your benefits in the event of employer bankruptcy.

By using bank financing, the Kai-Zen strategy allows you to realize benefits beyond your expectations while keeping contributions within your means.

The most unique and compelling aspect of the Kai-Zen strategy is that the participant’s contributions are leveraged 3 to 1.

Stuart Chamberlin
Chamberlin Financial
561-962-2775
email us here


Source: EIN Presswire

SimScale Announces a Preview Program of FDS for Simulation of Fire Scenarios in Buildings

Temperature distribution in a car park fire scenario with SimScale

Temperature distribution in a car park fire scenario with SimScale

Smoke propagation in a car park fire scenario with SimScale

Smoke propagation in a car park fire scenario with SimScale

The provider of the world’s first cloud-based engineering simulation solution, launches Fire Dynamics Simulator (FDS) preview program.

SimScale’s CFD capabilities that are in production today, along with its seamless deployment, collaboration functionality, and scalability, have made it the tool of choice for many AEC companies.”

— David Heiny

MUNICH, BAVARIA, GERMANY, June 20, 2018 /EINPresswire.com/ — SimScale (“SimScale”), the provider of the world’s first cloud-based engineering simulation solution, today announced the launch of the Fire Dynamics Simulator (FDS) explorative preview program.

Fire Dynamics Simulator (FDS) is a solver developed by the National Institute of Standards and Technology (NIST) of the United States Department of Commerce, in cooperation with VTT Technical Research Centre of Finland. Throughout its development, FDS has been aimed at solving practical fire problems in fire protection engineering, while at the same time providing a tool to study fundamental fire dynamics and combustion.

The preview program is a response to the request of many customers to combine the maturity and reliability of FDS for modeling fire and smoke with the convenience and scalability of SimScale’s cloud-based simulation infrastructure. Most of these requests come from AEC (architecture, engineering, and construction) companies working on projects that require performance-based design, fire reconstruction, test planning, compliance with fire-related codes and standards, dispersion, calculation of smoke venting systems or indoor air quality.

“SimScale’s CFD capabilities that are in production today, along with its seamless deployment, collaboration functionality, and scalability, have made it the tool of choice for many AEC companies. SimScale already helps these companies—including ARUP, WSP, Aqseptence Group among others—tackle engineering projects in the space of thermal comfort, industrial ventilation, building wind loads and pedestrian comfort. The request from these customers to extend SimScale’s feature set to also cover fire and smoke scenarios seems like a natural next step for our development.” said David Heiny, CEO and co-founder of SimScale.

The FDS preview program will explore and validate an offering of a simple workflow-driven interface for quick and robust modeling and visualization of complex fire scenarios in buildings, particularly parking garages and tunnels. Interested engineers and companies can apply for the program giving them a chance to shape the future workflow and user interface of the FDS integration, while in the meantime having their fire management-related simulation projects solved by SimScale’s engineers.

Companies interested in joining SimScale's explorative FDS preview program and leveraging FDS for their projects can request more information through the Fire and Smoke Simulation in a Browser – Contact Form.

Agata Krzysztofik
SimScale GmbH
89809132765
email us here

Visualization of the temperature distribution in a car park fire scenario with SimScale


Source: EIN Presswire

American Fidelity Makes IDG Computerworld's Best Places to Work in IT

American Fidelity Colleagues Attend Women in Technology Meeting

American Fidelity Colleagues Compete in the Office Olympics

OKLAHOMA CITY, OK, UNITED STATES, June 18, 2018 /EINPresswire.com/ — American Fidelity, based in Oklahoma City, once again made Computerworld’s list of Best Places to Work in IT. Landing at No. 18 among mid-sized companies, this is AF’s 15th appearance on the list.

“In the past year, IT has continued to undergo changes to help us align more closely to the business and prepare for the future,” said Kim Fisher, chief information officer. “We’ve worked to make our technology easier for our Customers and policyholders to use, such as simplifying and improving our Online Service Center and mobile app. We have also put succession plans in place to set us up for a smooth transition as Colleagues prepare to retire.”

American Fidelity is currently hiring for several positions within the IT team, including software developers, Citrix infrastructure engineer, security analysts and engineers, and technical infrastructure analysts and more. https://americanfidelity.com/careers/corporate-careers/it-jobs/

The Best Places to Work in Information Technology (IT) list is an annual ranking of the top 100 work environments for technology professionals by IDG's Computerworld. The list is compiled based on a comprehensive questionnaire regarding company offerings in categories such as benefits, career development, training and retention. In addition, Computerworld conducted an extensive survey of IT Colleagues, and their responses factor heavily in determining the rankings.

“Over the past couple of years, we've seen an already tight market for tech talent get even tighter,” said Computerworld executive editor Ken Mingis. “Computerworld's 2018 Best Places to Work in IT list illustrates that the companies that offer the best working environments aren't satisfied with rolling out one or two initiatives. They seek an edge in the talent marketplace through a combination of good salaries, great benefits, ready access to training, and the deployment of cutting-edge technologies. They recognize that the top tech talent can easily move to the organization that respects them best, and they are determined to be that organization.”

###

About American Fidelity
American Fidelity Assurance Company is a supplemental benefits provider serving more than 1 million Customers across 49 states with a focus on offering a different opinion for Customers in the education, public sector, auto retail and healthcare industries. More information can be found at https://americanfidelity.com.

American Fidelity has earned an “A+” (Superior) from the A.M. Best Company since 1982. One of the nation’s leading insurance company rating services, A.M. Best conducts a strict review process for financial stability every year.

American Fidelity has been recognized as one of the “100 Best Companies to Work for in America” by global research and consulting firm Great Place to Work® and Fortune Magazine 11 times.

The Company was also selected for several other lists by Fortune, including: Best Workplaces for Millennials, Best Workplaces in Finance and Insurance, Best Companies for Giving Back, Best Workplaces for Women, Best Workplaces for Diversity and the Human Capital 30: Companies that Put Employees Front and Center.

Contact:
Lindsey Sparks
Corporate Communications Team Leader
Lindsey.Sparks@americanfidelity.com
405-523-5901

Melody Wortmann
Assistant Vice President, Corporate Communications, Creative Services and Culture
Melody.Wortmann@americanfidelity.com
405-523-5979

About Computerworld
Computerworld is the leading technology media brand empowering enterprise users and their managers, helping them create business advantage by skillfully exploiting today's abundantly powerful web, mobile, and desktop applications. Computerworld also offers guidance to IT managers tasked with optimizing client systems—and helps businesses revolutionize the customer and employee experience with new collaboration platforms. Computerworld's award-winning website (www.computerworld.com), strategic marketing solutions and research forms the hub of the world's largest global IT media network and provides opportunities for IT vendors to engage this audience. Computerworld is published by IDG Communications, Inc. Company information is available at www.idg.com.

Lindsey Sparks
American Fidelity
4055235901
email us here


Source: EIN Presswire

HOW MACHINE LEARNING AND ARTIFICIAL INTELLIGENCE CAN HELP PRIMARY HEALTHCARE?

Replete Health, Pushing towards Democratization and Decentralization of Healthcare

NEW YORK, NEW YORK, USA, June 18, 2018 /EINPresswire.com/ — The care for patients has always been based on decision making depending on the kind of information that you have acquired from the patients. Health officers have for a long time relied on their skills, acquired experience and make judgments. But the changing times have led to the discovery of certain technologies to help both doctors and patients for easy medical decision making and practice.

The use of Artificial intelligence technology in health has not been so common up to the late years. This is simply because so many great thinkers, such as Elon Musk and Bill Gates, have criticized the move. However, the use of this technology can help improve the standards of healthcare even though there has been minimal use of it in the healthcare industry. The major challenge is the complexity of the healthcare. Before you can make a judgment on one’s health you will need to collect information on demographic and physiology and many other things, and also bank on the psychology of the patient to respond to treatment quickly. One of the setbacks of Artificial intelligence is the inability to help patients adhere to drugs according to the way it’s required.

Doctors do require information of the patient regarding their response to medication, diet and various activities they indulge in so that they can be able to prescribe drugs to them without difficulty. Replete Health Ecosystem allows patients to keep a record of medications they are using, and in case of any reactions to their current drugs the doctor will receive a notification and he will advise the patient accordingly. On top of that, the patients can also use it to access all their history on health and assess their care which can be shared with other providers.

The patient will not feel the pressure of getting to remember how they are feeling when they are asked every now and then. They will just need to spend very little time on the app since the doctor has a direct access to all the information. Replete health’s aim is to foster constant communication between the doctor and the patient, to improve the standards of healthcare. You don't have to intrude into the personal lives of the user for you to improve health outcomes. All that is needed is the valuable data that is collected from the ecosystem to help in addressing and countering health care related issues.

Venkat Timmaraju
Replete Health
7328758765
email us here


Source: EIN Presswire

Non-Life Insurance Market 2018 Global Share, Trend, Segmentation and Forecast to 2025

PUNE, INDIA, June 18, 2018 /EINPresswire.com/ —

Global Non-Life Insurance Market

WiseGuyRerports.com Presents “Global Non-Life Insurance Market Size, Status and Forecast 2025” New Document to its Studies Database. The Report Contain 99 Pages With Detailed Analysis.

Description

This report studies the global Non-Life Insurance market size, industry status and forecast, competition landscape and growth opportunity. This research report categorizes the global Non-Life Insurance market by companies, region, type and end-use industry.

This report focuses on the global top players, covered

Bupa
DKV
Swiss Re
Pacific Prime
Benefit Management, Inc. (BMI)
Gen Re
Fubon
Seoul Guarantee Insurance (SGI)
First Capital Insurance Limited
Asertec, S.A.
Claveseguros Proseguros Nacionales Cia.
Ltda

 

Get sample Report @ https://www.wiseguyreports.com/reports/3207067-global-non-life-insurance-market-size-status-and-forecast-2025

 

Market segment by Regions/Countries, this report covers
United States
Europe
China
Japan
Southeast Asia
India

Market segment by Type, the product can be split into
Health Insurance
Property Insurance
Cargo Insurance
Vehicle Insurance
Other

Market segment by Application, split into
Personal
Commercial
Industrial

Key Stakeholders
Non-Life Insurance Manufacturers
Non-Life Insurance Distributors/Traders/Wholesalers
Non-Life Insurance Subcomponent Manufacturers
Industry Association
Downstream Vendors

Available Customizations
With the given market data, QYResearch offers customizations according to the company’s specific needs. The following customization options are available for the report:
Regional and country-level analysis of the Non-Life Insurance market, by end-use.
Detailed analysis and profiles of additional market players.

 

Complete Report Details @ https://www.wiseguyreports.com/reports/3207067-global-non-life-insurance-market-size-status-and-forecast-2025

 

Table of Contents -Major Key Points

Global Non-Life Insurance Market Size, Status and Forecast 2025
1 Industry Overview of Non-Life Insurance
1.1 Non-Life Insurance Market Overview
1.1.1 Non-Life Insurance Product Scope
1.1.2 Market Status and Outlook
1.2 Global Non-Life Insurance Market Size and Analysis by Regions (2013-2018)
1.2.1 United States
1.2.2 Europe
1.2.3 China
1.2.4 Japan
1.2.5 Southeast Asia
1.2.6 India
1.3 Non-Life Insurance Market by Type
1.3.1 Health Insurance
1.3.2 Property Insurance
1.3.3 Cargo Insurance
1.3.4 Vehicle Insurance
1.3.5 Other
1.4 Non-Life Insurance Market by End Users/Application
1.4.1 Personal
1.4.2 Commercial
1.4.3 Industrial

2 Global Non-Life Insurance Competition Analysis by Players
2.1 Non-Life Insurance Market Size (Value) by Players (2013-2018)
2.2 Competitive Status and Trend
2.2.1 Market Concentration Rate
2.2.2 Product/Service Differences
2.2.3 New Entrants
2.2.4 The Technology Trends in Future

3 Company (Top Players) Profiles
3.1 Bupa
3.1.1 Company Profile
3.1.2 Main Business/Business Overview
3.1.3 Products, Services and Solutions
3.1.4 Non-Life Insurance Revenue (Million USD) (2013-2018)
3.2 DKV
3.2.1 Company Profile
3.2.2 Main Business/Business Overview
3.2.3 Products, Services and Solutions
3.2.4 Non-Life Insurance Revenue (Million USD) (2013-2018)
3.3 Swiss Re
3.3.1 Company Profile
3.3.2 Main Business/Business Overview
3.3.3 Products, Services and Solutions
3.3.4 Non-Life Insurance Revenue (Million USD) (2013-2018)
3.4 Pacific Prime
3.4.1 Company Profile
3.4.2 Main Business/Business Overview
3.4.3 Products, Services and Solutions
3.4.4 Non-Life Insurance Revenue (Million USD) (2013-2018)
3.5 Benefit Management, Inc. (BMI)
3.5.1 Company Profile
3.5.2 Main Business/Business Overview
3.5.3 Products, Services and Solutions
3.5.4 Non-Life Insurance Revenue (Million USD) (2013-2018)

……..CONTINUED

 

Norah Trent
WiseGuy Research Consultants Pvt. Ltd.
+1 646 845 9349 / +44 208 133 9349
email us here


Source: EIN Presswire

The in-and-out of the Cards and Payments Market in Australia

Australia-Cards-and-Payments-Market

Australia Cards And Payments Market – By Cards (Debit Cards, Credit Cards, Prepaid Cards), By Payment Terminals (POS And ATM’s), By Payment Instruments (Credit Transfers, Direct Debit, Cheques And Payment Cards) – Transaction Value, Volumes, Historical Tr

Australia Cards And Payments Market – Transaction Value, Volumes, Historical Trends, Analysis And Forecasts (2017 -2022)

Further, the increasing launches of mobile wallet developed particularly for the mobile marketplace is projected to drastically alter the mechanism of payments in Australia. ”

— Market Data Forecast

HYDERABAD, TELANGAANA, INDIA, June 18, 2018 /EINPresswire.com/ — The Australia cards and payments market has displayed marginal incremental growth during the forecast period. The requirement for more advanced prepaid cards, an optimistic outlook for the economy, and the rapid increase in shopping, particularly online shopping are the major drivers of market growth in this region.

During the forecast period, the card and payments market in Australia is expected to grow at a CAGR of more than 5 percent to reach a market value of more than USD 700 billion. The increasing shift of consumers away from cash is also expected to provide a boost to the growth of the market during the forecast period.

Browse our latest research report on Australia Cards and Payments Market @ https://marketdataforecast.com/market-reports/Australia-cards-and-payments-market-6926/

Potential for growth in the already developed market of cards and payments of Australia
The Australia Cards and Payments Market grew at an average pace during the forecast period both in value terms and volume terms. The number of transactions through the channel of cards has already crossed 1 billion. The transactions of credit and debit cards continue to remain the most significant drivers of market growth. The category of prepaid cards closely follows the debit and credit card category.

The volume of transactions of the total number of cards is projected to grow at a CAGR of more than 4 percent during the forecast period, with the transactions in terms of volume growing at a CAGR of more than 5 percent. The rising demand for having prepaid cards among consumers, the advancements in the framework of regulations, the robust growth experienced in the markets of mobile commerce as well as online commerce, and the positive economic future of the country, are among the other key drivers of Australia cards and payments market growth.
Convenience of consumers being enhanced by the provision of secured environment in banking and the emergence of innovative technologies

The rise of the online commerce, particularly mobile commerce in the region has augmented the growth of platforms using NFC technology as well as contactless payments. The launch of MasterCard PayPAss, which is a mechanism of payment via smartphone using the contactless technology is a major development to be taken note of. To capitalize on the benefits offered by PayPass, many issuers are now providing PayPass enabled cards. Further, the collaboration of Vodafone with Visa had led to the introduction of mobile based wallet service which enables shoppers for making payments relating to services and products using their smartphones.

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Regulatory norms pertaining to prepaid and gift cards are yet to be solidified
The central bank of Australia, The Reserve Bank of Australia, is aiming for the promotion of competitive effectiveness and providing stability by taking a plethora of significant steps, which include the restriction of the honor all cards rule for allowing the declining of cards by merchants and sellers. The bank has also capped the interchange fees relating to the Visa debit cards, decreased the interchange fees for funds transfers of electronic domestic origin at POS, and has also brought about measures to increase transparency and requirements for disclosure pertaining to fees of merchant services and interchanges.

However, the prepaid category remains unregulated, but still has to adhere to certain legislations such as the Corporations Act of 2001. ePayments code is an exception wherein there is a requirement for the issuers of gift cards to have information about the identity as well as the transaction history of the card holder.

Business and economic drivers are projected to drive the growth of the Australiancards and payments market
There have been significant changes in the business, infrastructural, and economic drivers in the industry of the Australia cards and payments market. The GDP growth per capita and the lesser pressures of inflation are contributing robustly to the market. Government purchase cards, mobile commerce, prepaid cards, and e-commerce are also expected to be substantial drivers. The infrastructural contributors to Australia cards and payments market growth include the insistence of the government on the use of software applications which have been developed by banks for purposes of e-banking and mobiles.

Inquire before buying @ https://marketdataforecast.com/market-reports/Australia-cards-and-payments-market-6926/inquire

Market competitiveness and strategies of pricing
In a rapidly developing market such as this, there are substantial pressures of competition. To cope up with the same issuers and banks are in the means of the development of pricing and marketing strategies which have the goal of bringing more customers. Insurance covers, discounts, reward points, and cashbacks, are the some of the major strategies that are being used by banks.

Further, banks are also competing by strategizing via the segmentation of their target customers and existing customers for the maximization of the potential of the expansion of their shares in the market. The Commonwealth Bank of Australia and Westpac have released credit cards which particularly target students of colleges, with ANZ and the Commonwealth Bank establishing a wide array of cards for corporate purposes which have been specifically designed for corporate users. The Commonwealth Bank of Australia is also offering a management card for procuring of the end to end activity, and the offerings from ANZ include payroll cards.

Purchase this report @ https://marketdataforecast.com/cart/buy-now/Australia-cards-and-payments-market-6926/

About Market Data Forecast:
Market Data Forecast is a firm working in the areas of market research, business intelligence and consulting. We have rich experience in research and consulting for various business domains to cater to the needs of both individual and corporate clients. A few key business areas that we handle with excellence include business process improvement, corporate financing and decision making based on market research, assisting in developing appropriate strategy and providing consultancy based on extensive research.

Contact Us:
Abhishek Shukla
Sales Manager
Market Data Forecast
Direct Line: +1-888-702-9626
Mobile: +91 998 555 0206
Mail: abhishek@marketdataforecast.com

Sai Kutumbarao
Market Data Forecast
7680952236
email us here


Source: EIN Presswire

An overview of the Cards and Payments Market in India

India-Cards-and-Payments-Market

India Cards And Payments Market – By Cards (Debit Cards, Credit Cards, Prepaid Cards), By Payment Terminals (POS And ATM’s), By Payment Instruments (Credit Transfers, Direct Debit, Cheques And Payment Cards) – Transaction Value, Volumes, Historical Trends

India Cards And Payments Market – Transaction Value, Volumes, Historical Trends, Analysis And Forecasts (2017 -2021)

The debit and card transactions has mounted up to 84% increase with the push on cashless payments and POS transactions raised by 86% compared to 2016. ”

— Market Data Forecast

HYDERABAD, TELANGAANA, INDIA, June 18, 2018 /EINPresswire.com/ — The India Cards and Payments Market is expected to have stable growth during the forecast period. There are many new opportunities for both non-banking and banking issuers of cards such as the Diners Club, American Express, and ITZ Cash Cards. The prepaid segment is also set to expand given the positive growth potential seen in online sales, government welfare schemes, and remittances of travelling expenses. The use of prepaid cards by the government to distribute welfare benefits is one of the major factors contributing to the growth of this segment. Further, an increase in the number of customers using prepaid cards for leisure holidays as well as business trips is also augmenting the growth of this segment. In the case of debit cards, expansion in retail sales, bill payments, and entertainment expenses is contributing to the growth of this segment. Offline and online retail, travel expenditures, and entertainment expenses are the factors contributing to the growth of the credit and charge cards category.

Browse details of our latest research report on India Cards and Payments Market @ https://marketdataforecast.com/market-reports/India-cards-and-payments-market-6918/

Doing away with cash transactions
More than 40 percent of the population of the country remains unbanked and the payment system of the country is comparatively underdeveloped. The central of the country, RBI has launched initiatives to expand the financial inclusion of the populace by extending banking facilities to unbanked and untapped regions. People without bank accounts have been issued prepaid cards owing to which the prepaid card segment is expected to grow with the highest CAGR during the forecast period.

Specific consumer targeting
The female populace accounts for more than 48 percent of the population of the country which is a significant size of a customer group. The above has attracted banks to start the specific targeting of the female populace by launching customized card offerings. In the case of the developed markets of the world, banks are in the process of capitalizing on the female segment by launching a variety of banking services related to retail. A similar trend is anticipated in India as key banks such as Citibank and HDFC Bank have already issued female centric cards.

RuPay vs MasterCard and Visa
The National Payment Corporation of India had launched RuPay in 2012, which is the domestic card payment network of the country. The platform was established at the request of the central bank with the aim of competing with global network providers such as MasterCard and Visa. Owing to this initiative, key public sector banks such as SBI, Bank of India, Union Bank of India, and Bank of Baroda, have already launched RuPay debit cards in the year 2012 itself. The domestic platform is expected to break the stronghold of MasterCard and Visa on the India Cards and Payments Market, and is also expected to decrease the processing fees charged, as the processing fees of RuPay is 40 percent lesser than the competition. This low rate allows for the encouragement in the acceptance of these cards by retailers.

Avail Sample Market Brochure of the report to evaluate its usefulness, Get a Copy @ https://marketdataforecast.com/market-reports/India-cards-and-payments-market-6918/request-sample

Debit Cards transactions to be charged lower at POS
The use of the debit card segment in the cards and payments market of India has been limited to that of cash withdrawals from ATMs instead of transactions at POS. The capping of the MDR for debit card transactions at 0.75% for any transaction below 2000 INR and 1% for transaction exceeding the same amount, is expected to encourage the use of debit cards at POS. Merchants will also be motivated to install POS terminals by installing the necessary infrastructure.

Banks are also projected to utilize marketing for encouraging customers for using debit cards beyond ATMs and at POS terminals for things such as e-commerce transactions.

Prepaid cards segment altered by the entry of non-banking companies
The entrance of non-banking companies into the prepaid card segment is anticipated to augment the growth of the cards and payments market in India. There has been an expansion in the services and products offered in the prepaid cards segment owing to the entry of non-banking companies into this segment. Firms are expected to capitalize on the existing offerings of cards and also incorporate these with the latest technology for tapping a bigger segment of the market.

Travel prepaid cards expected to contribute to market growth
The prepaid travel card segment of the India Cards and Payments Market is expected to grow at a robust CAGR of more than 50% during the forecast period. Substantial corporate demand accounting for more than 80% of the value of travel cards is the major factor contributing to the growth of this segment. Companies are also being aided by travel prepaid cards for exercising control over the expenditure of their employees, as prepaid travel cards help the company to keep track of the expenses made by the employee, particularly during business trips. The increase use of prepaid cards by corporations is set to further expand and consequently drive the growth of both the prepaid cards and travel card segments.

Inquire before buying @ https://marketdataforecast.com/market-reports/India-cards-and-payments-market-6918/inquire

About Market Data Forecast:
Market Data Forecast is a firm working in the areas of market research, business intelligence and consulting. We have rich experience in research and consulting for various business domains to cater to the needs of both individual and corporate clients. A few key business areas that we handle with excellence include business process improvement, corporate financing and decision making based on market research, assisting in developing appropriate strategy and providing consultancy based on extensive research.

Contact Us:
Abhishek Shukla
Sales Manager
Market Data Forecast
Direct Line: +1-888-702-9626
Mobile: +91 998 555 0206
Mail: abhishek@marketdataforecast.com

Sai Kutumbarao
Market Data Forecast
7680952236
email us here


Source: EIN Presswire

Different retail segments of the Spain Cards and Payments Market

Spain-Cards-and-Payments-Market

Spain Cards And Payments Market – By Cards (Debit Cards, Credit Cards, Prepaid Cards), By Payment Terminals (POS And ATM’s), By Payment Instruments (Credit Transfers, Direct Debit, Cheques And Payment Cards) – Transaction Value, Volumes, Historical Trends

Spain Cards And Payments Market – Transaction Value, Volumes, Historical Trends, Analysis And Forecasts (2017 -2022)

The internal slowdown of economies and eurozone debt crisis resulted in a declined growth of payment cards market in Spain during the review period. ”

— Market Data Forecast

HYDERABAD, TELANGAANA, INDIA, June 18, 2018 /EINPresswire.com/ — According to the research report published by Market Data Forecast on Spain Cards and Payments Market, the Card-based transactions are growing at a rapid pace in online and retail transactions of Spain increasing the competitive landscape of the country between the local and foreign financial institutions through new product offers and customized solutions for customers. Below are some of the retail and corporate uses targeted marketing strategies implemented by the overseas and foreign banks.

Browse the following URL for more details of report @ https://marketdataforecast.com/market-reports/Spain-Cards-and-Payments-Market-6929/

Industry segmentation
The payment cards demand in the Spanish market varies for corporate and individual users, different age and income groups, travelling for business purpose and holidays, and other factors. The whole industry is categorized into various segments by the domestic banks to identify and capitalize on the most profitable segment to increase their presence in the market and cut down the expenses.

The card payments channel’s customer segmentation is mainly separated into retail and corporate customers. The retail segment comprises income, demographic and psychographic levels. The corporate segment is separated into small, medium-sized and large enterprises.

High profitable segments are the primary focus areas for the leading banks of Spain to capitalize the increasing payments channel market of the country. They mostly include the categories of students, high net worth income individuals and frequent travellers. Several banks of Spain offer value-added services, investment suggestions, and cross-selling card products to their corporate business customers.

The cards and payments industry operating banks and payment solution providers of Spain categorize their retail customers based on age, gender, behaviour of spending, and level of income. Customized products, innovative market approaches, and specific promotional offers are provided separately by banks to each section. The popular segments of the retail industry are detailed below.

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Co-branded cards
Different company associated cards are provided by the banks as a part of their marketing approach targeting potential customers that regularly purchase products of particular renowned brands in the market. Filled with special offers and reward points, these cards can be redeemed by the cardholders at the respective brand stores.

Conservative Customers
The eurozone debt crisis has forced many customers of Spain to control their spending and follow a limit pattern for their monthly expenses. To encourage such customers, several banks of Spain are offering prepaid cards and cards with fixed spending limits. Bankia offered prepaid cards can be loaded with fixed amount through online or bank branches, which can be helpful for the retail customers that have a predefined monthly budget. Similarly, CaixaBank provides Money Visa card online without any extra charges and concessions like zero maintenance fees for online reloading.

HNWI Customers
High net worth individuals are offered special benefits like more credit limits and premier facilities by the banks and card providers along with the additional advantages of wealth management, legal and tax suggestions, and business advises.

Banks of Spain such as CaixaBank offers the American Express Card Plus credit card particularly for HNWI customers with features like wealth management and business advisory solutions. Similarly, Banco Sabadell offers the Platinum card for HNWIs providing priority services at all the bank’s branches in the country.

Inquire more @ https://marketdataforecast.com/market-reports/Spain-Cards-and-Payments-Market-6929/inquire

Philanthropic and social activists
Philanthropic customers are one of the mainly focussed segments of Spanish banks in terms of both debit and credit cards. Several banks are offering customized cards for such customers. For example, Bankia offers Action Against Hunger card, Red Cross card, and Manos Unidas card that donate some portion of each card-based transaction to the charity organizations. Solidarity cards offered by the banks make regular donations to institutions like Down’s Syndrome Foundation. The Solidarity Visa card provided by Bankinter donates some percentage of their transactions to social action projects.

Self-employed and micro enterprise cards
Several banks offer value-added services like business and legal advisory services, travel accident and assistance to the customers that are self-employed and part of micro-enterprises. For instance, Bankia provides Professional Credit and Professional Debit cards to its customers without any charges, and CaixaBank and Banco Popular also provide cards with multiple advantages.

Outbound business travellers
Travel cards and credit cards are the main preference for the outbound business travellers prior to the eurozone crisis in Spain. The tourism industry has also faced the negative impact due to the financial crisis that resulted in the decreasing outbound business travels during the review period.

To promote the payment cards in this division, different variety of cards were introduced by the banks in Spain. Exciting features like international use, insurance coverage for travel accident and assistance and concierge services are integrated to those outbound business travellers’ targeted cards.

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Source: EIN Presswire

Property Damage Attorney Discusses What Flood Insurance Covers and Does Not Cover

Saffren and Weinberg - Personal Injury Attorneys

A flood can quickly destroy an entire home and you should be proactive in seeking flood insurance to protect you. This is why having a property damage attorney could help.”

— Marc Weinberg, Partner

JENKINTOWN, PENNSYLVANIA, UNITED STATES, June 15, 2018 /EINPresswire.com/ — We are finally about to hit our summer months. As a homeowner, you need to be mindful of potential property damage claims associated with this time of year. Specifically, floods are a major concern. A flood can quickly destroy an entire home and you should be proactive in seeking flood insurance to protect you and offer you the outlet to file water damage claims with your homeowner’s insurance. This is why having a property damage attorney could help.

Flood insurance is the only insurance that will indemnify you for flooding that is caused by weather and other external forces. Homeowners’ insurance on its own will not. Typically, these policies under the National Flood Insurance Program (NFIP) do not kick in until 30 days after purchase, so as a homeowner you should buy sooner rather than later.

Unfortunately, flood insurance is not full proof. According to the NFIP, this is a brief overview of what is and is not covered in a homeowners’ claim for water damage when they have flood insurance as a part of their policy.

What is covered?

Essential systems in the home:

-Every home is made up of a variety of systems that provide us with water, electric, sewage, heat, air conditioning, and much more. All of these systems are protected and insured in the event that a flood damages them or causes them to become inoperable.

Appliances:

-In your home, appliances can be accounted for some of the most expensive aspects alone. Flood insurance will cover refrigerators, stoves, dishwashers, washing machines and dryers, freezers, and even portable window air conditioners.

Carpeting and windows:

-Permanently installed carpet overtop of unfinished floors or any type of hardwood should be covered by your policy. Window blinds and curtains should also be covered.

Foundation walls and attached staircases:

-The only exclusion under these coverages is for any loss that is caused by earth movement, even the earth movement is caused by a flood. Any other damage resulting directly from flooding will be covered.

Detached garages:

-As the policyholder, you can distribute 10 percent of your total building coverage to detached garages.

Personal property:

-Coverage under personal property can include clothing, electronic equipment, and furniture so long as they are not stored in the basement.

Specific Valuables:

-Certain personal property will carry a higher monetary value and will be protected. Most policies allow for up to $2,500 value in coverage for items such as artwork and furs.

What is not covered?

Based on the previous list of what is covered, you would think that when filing a homeowners’ insurance claim for water damage that everything would be covered and there would not be any speed bumps in the path to recovery. Unfortunately, flood insurance is full of eligibility requirements and exclusions. Flood insurance also contains a cap in coverage of $250,000 per building and $100,000 for its contents (this is only the maximum, you can attain policies with lower limits). Additionally, flood insurance has separate deductibles for dwelling versus contents of the dwelling. Flood insurance exclusions and exceptions can be confusing so it is important to speak with an educated attorney who has experience with personal property damage law to ensure a full recovery after a flood.

How can you get flood insurance?

The Program of National Flood Insurance Program is a great source for providing flood insurance through numerous private insurance companies. Your local agent, who provides homeowners coverage will be able to assist you in finding the policy that is right for you.

FEMA also provides certain programs for high-risk areas that allow homeowners to pay set premiums that provides protection when there is a flood. FEMA provides an interactive map that will allow you to see a flood map of your area and average premiums for flood insurance in your area.

If you are in a high-risk area, your premium will likely be higher due to the increased risk of flood damage. There are many variables that will be considered when determining your premium that include: age of home, location of home and its proximity to water, house elevation, and that value of the home.

Marc Weinberg, Lawyer, of Jenkintown and Ken Saffren, Attorney are named partners at Saffren & Weinberg which is located in Jenkintown, PA. The team works tirelessly to help improve the situations and lives of victims that have been involved in auto accidents and suffered personal injuries. The firm is known as "The People's Voice In Court" and they make themselves available via email on the website or by phone 215-576-0100. They provide a no-charge, complimentary case review and are more than happy to answer any questions that you may have.

+++++ Disclaimer+++++ This press release is considered advertising and does not constitute any client-attorney privilege and does not offer any advice or opinion on any legal matter. This release was drafted by Results Driven Marketing, LLC a digital marketing, Public Relations, advertising and content marketing firm located in Philadelphia, PA

Marc Weinberg, Partner
Saffren & Weinberg
215 576-0100
email us here


Source: EIN Presswire

A Pothole in Your Business's Sidewalk Could Cost You $125,000

Saffren and Weinberg - Personal Injury Attorneys

Attorney Ken Saffren of Jenkintown's Saffren & Weinberg successfully obtains settlement for injured victim.

The sidewalk in front of this business was dangerous and posed a safety threat to those who were walking on it. The business owners were negligent by not fixing the sidewalk before injuries occurred.”

— Ken Saffren, Partner

JENKINTOWN, PENNSYLVANIA, UNITED STATES, June 15, 2018 /EINPresswire.com/ — Jenkintown's Ken Saffren of Saffren & Weinberg fights for those who have suffered from personal injury incidents. Throughout the years, Saffren and the rest of his team have been able to win millions of dollars for those who have sustained injuries due to the negligence of others.

Ken Saffren specializes in personal injury cases along with social security. His firm also handles cases involving wrongful death, property damage, product liability, workers' compensation and medical malpractice.

Attorney Saffren was recently able to help a victim obtain justice for a personal injury she sustained on a business's sidewalk. The client was walking into the building of a well-known electric company when her walker got stuck in a hole in the sidewalk right before the entrance. As she tried to release her walker from the hole, she fell and sustained multiple injuries.

"The sidewalk in front of this business was dangerous and posed a safety threat to those who were walking on it. The business owners were negligent by not fixing the sidewalk before potential injuries occurred."

The client suffered a fractured shoulder along with fractures of the ribs, a shoulder sprain, and shoulder strain. The injured victim also ended up having to spend a few weeks in the hospital.

When she contacted Saffren & Weinberg, Ken was more than happy to take on the case. He resolved the case and obtained a $125,000 settlement for the victim.

Ken Saffren, Lawyer, of Jenkintown and Marc Weinberg, Attorney are partners of Jenkintown's Saffren & Weinberg. The team works to improve the situations and lives of those who have been involved in accidents on the job. Known to many as "The People's Voice in Court", Saffren & Weinberg make themselves available on the website or via phone at 215-576-0100. Saffren & Weinberg provides a no-charge, complimentary case review and is more than happy to answer any questions you may have.

+++++ Disclaimer +++++ This press post/release is considered advertising and does not constitute any client-attorney privilege and does not offer any advice or opinion on any legal matter. This release was drafted by Results Driven Marketing, LLC: a full-service digital marketing, public relations, advertising and content marketing firm located in Philadelphia, PA

Ken Saffren, Partner
Saffren & Weinberg
215 576-0100
email us here


Source: EIN Presswire