The bonus for the insurance. The contract with insurance companies

Profit sharing is a form of compensation, in which the company distributes profits from the interest among employees before taxes. Type of remuneration, a bonus (in French such and such (part)), works in different ways, depending on the structure of digging and decisions taken by employees and employers. Typically, these plans are being developed as an encouragement. When employees have a percentage of the profits, they are personally interested in its increase, as have the opportunity to get more money.
Any businesses, including dealing with the sale in St. Petersburg plant, may participate in the bonus.
Profits can be distributed in the form of cash, stocks and bonds or a combination of these forms of promotion. In the delayed agreement on the participation in the profits and retained earnings are used to finance the pension fund. But the advantage of delayed agreement on the participation in profits is that profits are usually free from taxes, because employees can not get at this stage, access to it and therefore it is not considered income. While getting paid, they will be required to pay taxes on them.

On new rules of responsibility of tour operators

Despite the fact that the Russians have already begun to shape the tradition of traveling the world at any time of year, summer is still the main holiday times, the eve of a string of scandals associated with the failure to travel companies of their obligations, has led to a very high interference the insurance process: on the day the Russian President signed a law that increased the size of the minimum financial security and ordered travel agencies to join a trade union.

Failed by the Federal Service for Financial Markets in April of this year, analysis of the results of the insurers that provide services to the insurance liability of tour operators, has demonstrated that this segment of the insurance market is rapidly becoming a territory of high loss, which causes some insurance companies will even think about the rejection of this type activity.

And there is reason to believe that such a decision can be regarded as quite reasonable: only the last few months of his largest tour operator insolvency declared "Lanta-Tour Voyage" and the travel agency "International Travel Club ITC», and the company is "ideal world" simply "vanished" , after having collected the most revenue from the sale of vouchers with a 50% discount.

Three main principles of insurance for the client. Principle 1: Do not save

"You should never skimp on insurance!"

This is the main motive of the Life of any insurance on any object in any region!

Life insurance, accident, car, building your own responsibility, any other insurance - Life, this motif must be respected always.

The basic meaning of the principle that there is some mathematical function for calculating tariffs. Most of those tariffs, which the insurer has to pay for the client to sign an insurance contract (policy).

Mathematical relations are based on the statistics of insurance claims, which in the same regions of the same objects (cars / buildings / life / health) for the same type of insurance, the more likely the same. And if the same statistics, then the tariffs that offer honest insurers in the region of the object should be roughly the same level. They may differ, but no more than 20-30% of each other (usually, the bigger the company, the higher rates), and, of course, can vary at times, as it happens!

Perhaps compulsory unemployment insurance

Compulsory unemployment insurance as a form of social protection, successfully operating in the United States and in Britain, provides for payment of insured (employees and workers) compensation upon the occurrence of insured events, like job loss, layoff or insolvency of the employer. The controversy on the need for such insurance in Russia is not the first year, but now some experts are inclined to link this project with the entry of the Russian Federation into the World Trade Organization (WTO).

For the first time on the need for insurance against unemployment in our country, talking to the crisis in 2008, when the massive reduction of employees of various companies, which led to defaults on bank loans. The initiator of the proposal, aimed at the beginning of 2009 in the Federation Council and State Duma, has leadership of the Kemerovo region.

Somewhat later, a similar proposal was made chairman of the Federation of Independent Trade Unions of Russia Mikhail Shmakov, and this proposal was supported and approved were present at the time as prime minister, Vladimir Putin, who openly called compulsory insurance against unemployment "absolutely market measure." However, the prime minister once said, and the practical impossibility of such an additional burden on the economy in crisis.

Failure at the state level to implement the idea to the full restoration of macroeconomic stability and the emergence of strong demand for this product has not stopped its development at the level of private insurance - though not as mandatory but as a voluntary (or, more true, as a quasi-voluntary) product. As a result - today the lion's share of this type of insurance (according to available data - 90%) are contracts that are concluded as a support for the design of consumer credit, protecting, thus, not so much the interests of policyholders, as the interests of the banks.

This product, in particular, offers an insurance company "Alfa Insurance": when you make a loan to "Alfa-Bank" offers to the client as possible unemployment insurance, which provides for a three-month (according to the company, it is time for such a borrower can find a new source of revenue) for payment of the loan job loss (the monthly cost of insurance services - 0.23% of the loan). Management believes that the insurance company, there is always the threat of unemployment, and wisely positioned the product will be in demand not only in times of crisis, but with the full stability of the economy.

However, again the actual topic of compulsory insurance against work was precisely in anticipation of economic change: as you know, 16 December 2011 in Geneva, signed a protocol on Russia's accession to the WTO, which must be ratified before the end of July this year. It is associated with the event concerns the public: if you focus on the experience of neighboring Ukraine, opening the national market for foreigners with no guarantee that domestic industries will be able to successfully "break" in the foreign markets, could lead to a surge in unemployment, which may last up to three years .

However, regarding the introduction of compulsory unemployment insurance experts from the insurance market are set quite skeptical in the Russian insurance against involuntary unemployment is certainly unprofitable, and the employers' legal nihilism is unlikely to fine-tune the mechanism of such insurance - just remember that the dismissal of workers are often being forced to write a statement about the care of their own volition. Prove the existence of an insurance case by the citizens will be extremely difficult.

On the other hand, it is impossible to insure all cases of loss of employment, because under this article will get, for example, people are constantly changing their place of work because of incompetence, and in anticipation of an unemployed insurance benefits will be required to register with the unemployment and refuse to display any -or initiatives (for example, to access business).

Finally, in our country there is simply no bankruptcy of natural persons, which means that there is no mechanism for assessing the possibility of citizens to meet the demands of their creditors.

There are, of course, the experience of the U.S. and Britain, where the payment of insurance premiums for this type of insurance is divided between workers and employers, which is enshrined in law (employers deduct money for this type of insurance in the amount of 0,23-1% of payroll ), but we were before, perhaps, so far away.

Mortgages in Crisis

It is known that the most common period for which our country is issued mortgage - 15-20 years. More than half of the respondents entered into an agreement with the bank it was during this period. Only about one in ten study participant must return the borrowed money within 5 years. Loan term of 30 years was the least popular. Apparently, banks are not willing to take risks and to lend for such a long period, and customers, in turn, are hesitant to take the sum, which for as long as 30 years will grow on a monthly basis in accordance with the prescribed interest rate.
It should be noted that the period for which the mortgage is issued, is closely related to the residence of the borrowers. Thus, the Muscovites are inclined to assume the obligation to repay the debt as soon as possible: for 5-10 years. Here, the borrowers who have issued a contract for five years, there were more than in the regions, by 12 percentage points (10% vs. 22%). At the same time, who took credit for a period of 15 years in the capital by 10 percentage points less than in the regions (19% vs. 29%) - see Fig. № 1.1. This is likely due to the fact that the level of income in Moscow is higher than in many Russian regions, which allows its residents to pay off the loan faster

Insurance went bankrupt? What should I do?

Good evening. Communicated to the Legal Forum with a man who had a bad experience getting insurance reimbursement from insurance traditions. The situation is this: hit the crash. The culprit was insured in the Insurance FY tradition. At this point, the victim had not received the insurance compensation, though the fact of the insured accident was reported at the time. A few negative matches in the way of obtaining insurance reimbursement forced the victim to contact the MTIBU for obtaining insurance reimbursement for what he's got this response:
I can only add that if it turned out that the insurance went bankrupt - watch the stages of liquidation. There will be a commission, headed by managing readjustment. In the address, please contact the Commission for a debt. The faster you do this, the more likely it is that the money you pay in the amount of damages. Commission on the Elimination of all forms by which pays the creditors. If I am not mistaken, only 6 queues, insurers fall into third place. Definitely, all the money is not enough.

Despite the fact that even after the bankruptcy of an insurance company, it continues to be responsible in full, I would not trust it and just rushed to write a statement in the liquidation commission. Remember, the elimination of not only the insurance company, but also the elimination of any form of ownership of firms - a lengthy process and only depends on you what do you have time to submit documents on time.

The main features of deposit insurance

One of the priorities of social problems in many developed countries is the insurance of deposits of citizens, as the need to protect the financial interests of the population. EU member states have solved this problem at the legislative level. A similar system has long been operating in Japan and the United States, as well as some time in a number of post-Soviet countries - Kazakhstan, Ukraine, Armenia.

Unfortunately, the memory of Russians have not erased the event of bankruptcy of a number of commercial banks in Russia and the associated loss of personal savings. Therefore, deposit insurance was introduced in the Russian Federation as a system of protection of legitimate rights and interests of depositors, in order to improve confidence in the banking system as a whole, to raise funds in the banking sector.
Deposit Insurance - Legislation