Why Telematics Is a Major Disruptor in Insurance?

The vehicle telematics system and User-Based Insurance (UBI) are key trends in the auto insurance industry and expect a disruptive change in the near future.

Digital technology is transforming the insurance marketplace enormously and the insurers are investing significant attention to meet the customer expectations by adopting vehicle telematics system. The customer vehicle integrated with the telematics system helps to calculate insurance premiums which is dependent on the distance covered by the vehicle, the speed the driver maintains while driving, and also the overall driving habits of customers as this information can be read and stored by the telematics app and made accessible to not only the insurers but also all stakeholders.

Vehicle telematics is recalibrating the auto insurance industry expectations and opening new ways to reach out to the clients. The rise of vehicle telematics not only changing the policyholders’ demands, but also disrupting the way it should be supplied. Many insurers are offering more personalized insurance policies to each and every individual.

Telematics as a major disruptor

The digitization process that telematics has brought in recently has made the total insurance industry to stand up and take notice and eventually catch-up with this change. Recent research studies have revealed that vehicle telematics is playing a prominent role to disrupt the auto insurance industry for positive business outcomes. In this way, Big Data is playing a vital role in helping insurers to solve various challenges such as data mining, handling, warehouse data, building data path for user applications and among many others by adopting extensive and varied data structure, which are made easily accessible to vehicle telematics system with the influence of cloud computing. The access control of the vehicle, real-time updates of traffic congestion and weather forecasts and many other vehicle telematics options are remotely accessed with the help of cloud computing, for both customers and insurers. The big data and cloud computing technologies are the mainstream of vehicle telematics system and hence are attracting new customers towards insurance policies by providing convenience and comfort in service.

Over the years, the auto insurance companies have successfully reduced the gap between insurers and customers. The vehicle telematics-enabled usage-based insurance is gaining momentum to meet the customer satisfaction with a flexible pricing model over the traditional pricing model and as a result policyholders can pay the insurance rates based on their driving behavior. It is an ultimate transformation that is giving customers complete control over their insurance premiums. To help policyholders for their driving risks, User-Based Insurance (UBI) model encourages individuals to drive safe and lower the risk of accidents happening through live feedback even as they can save money by improving their driving skills.

In the US, Insurance companies are implementing different approaches in User-Based Insurance model and the simplest, auto insurance policies are trending in the auto insurance market, such as Pay As You Drive (PAYD) is one among them. Rather than paying a fixed annual premium charge, PAYD ensures premiums are calculated based on the number of miles/kilometers driven by the policyholder with the help of vehicle telematics system.

United States is considering the UBI model as their grid. The spate of recent successes has confirmed immense response of policyholders towards this new approach. Even in many European countries, insurers moved to the next level of Pay-How-You-Drive (PHYD) right after the huge success of Pay-As-You-Drive (PAYD) model.

The Pay How You Drive (PHYD) monitors the driver behavior and driving style, the premium charges are reduced accordingly with improvements in driver behavior.The UBI has a great potential gateway to digitally enhance customers, as a result, PHYD has created a remarkable platform for auto insurance policies, but a number of insurers have started looking beyond the Pay How You Drive (PHYD)model for better user experience, as a development Manage How You Drive (MHYD) considered as the next move of UBI. Manage How You Drive (MHYD) offers a discount to safe drivers and also intimates the policyholders about driving performance through monthly feedback depending on their driving score.

Vehicle telematics benefits:

• Experienced drivers often pay unreasonably high premium charges which can be reduced easily.
• Encourages policyholders to drive safely and reduce the risk of accidents.
• If the policyholder drives very often then he/she will get fewer premium charges.
• Continuous monitoring of the driver helps to improve the driving behavior.
• It’s very easy to track vehicle health and fuel consumption of the vehicle.

The vehicle telematics system and User-Based Insurance system is imparting a major disruptive change in the auto insurance industry with innovative insurance policy models for customer convenience. However, insurers are implementing different strategies to improve the marketing and sales process of UBI model to maintain the balance in insurance policies, perhaps the priority is also given to the risk management and price calculation from the customers’ stand point. The disruptive vehicle telematics system can trigger the process of auto insurance policies and can be sustained without any major change in the insurance company structure, business model, and strategy. The vehicle telematics system is known for its conservative posture and disruption is never really easy for such systems, especially in the auto insurance industry. But the year 2016 can be a year of continuing transformation of vehicle telematics system, in which the insurance companies who remain as innovators will be those who are willing to engage in significant rethinking.

Prime’s telematics system, Xemplar, enables fast and efficient two-way communication between insurers and customers. Xemplar’s mobile app-based system saves you money on hardware and infrastructure costs while also accommodating any mobile device or tablet, reaching drivers anytime and anywhere, and providing your business with critical information in real-time. Contact us now, and in less than 24 hours you will have the best technology solution for auto insurers. for more information visit us http://www.xemplartelematics.com/

Article Source: http://EzineArticles.com/expert/Sud_Gover/2254163

 

How Did the Devil Get My Cell Phone Number?

I am not one easily rattled. When I am rattled, look out for anything can happen.

For the most part, I try to stay calm, cool and collected. Then there are times when I have had enough and I am not going to take it anymore.

When I am rattled about something, it is not small or insignificant. I can swat pesky little bugs all of my life and never get rattled by a bug.

Lately, some things have been developing “in my world,” that has me more than a little concern. In fact, it is bordering on the territory of being rattled. Something needs to be done because if I am rattled in this area, look out!

I am not sure, if I am just now noticing it or if it has been here for a while. When I got my cell phone, I was under the impression the only people who would have my cell phone number would be those I gave it to. I am not one to give out my cell phone number to just anybody. If you have my cell phone number, you are in a high-level category of BFFs.

I believe sincerely that the devil has hacked into my cell phone, collected my cell phone number and is selling my number to the most despicable people he owns.

Lately, I have been getting political calls. People trying to interview me concerning the up coming election. They want me to contribute to political polls being evaluated. They want my opinion and they have a whole slew of questions they are going to be asking me.

I know they do not want my opinion because all of these calls are what is called Robo calls. In other words, is not an actual person asking these questions, but rather a machine. If you think for one moment that I am going to carry on a conversation with some machine, you do not have all your wires connected.

How they get my cell phone number, is beyond me. It probably is their close connection with the devil himself.

I have also been getting calls from some company that feels I am in some sort of pain. They call and say I requested on their website this pain solution. Now, what they want to know is it my back pain, or elbow pain, or a knee pain?

I have been so fed up with these calls that I finally said, “I do have a pain in the neck.” To which, I got an excited reply as to how they could help my pain in the neck.

You know what’s coming. I told them that the pain in my neck was them calling me and if they want to help this pain in the neck go away to stop calling me, for Pete’s sake.

I just about had it with this. The question I wrestle with is, should I lie to these people calling me?

For instance. Somebody called me last week telling me they noticed a certain virus on my computer and if I would allow them access to my computer they could fix my computer. Talk about a pain in the neck!

This was about the 15th time this company called me offering to fix my computer. So, I thought if they are going to waste my time by calling me, maybe I should waste their time by trying to get them to fix my computer.

“Oh yes,” I said as excited as I could sound, “please fix my computer for me.”

Now they wanted me to turn my computer on and so forth and so on. I must confess that at the time I wasn’t your my computer I was on my cell phone.

They gave me instructions and I obeyed them, or at least I told him I was obeying him.

“All right,” I said, “My computer is on what I do next?” I will confess to you if you promise not to tell anybody, but I did not have my computer on.

Then they gave me instructions that I was to go to a certain website.

“Okay,” I said, “I’m there, what do I do now?”

They gave me a password I was supposed to use to get access to them so they could get access to my computer.

“Have you done it yet?”

“Yes, I punched it in and what I do next?”

“Something’s wrong,” the person at the other end of the phone said. “You must not have put in the right password. Let me give it to you again.”

He gave it to me again, which in turn I gave it back to him, again.

This went on for about 20 minutes and the person on the other end of my cell phone was getting very frustrated and borderline anger. I, on the other end of the cell phone, could hardly control my laughter.

By the time he hung up, he was very frustrated and could not understand why it was not working.

After this person hung up on me and I quit laughing, I thought of what David said. “Give them according to their deeds, and according to the wickedness of their endeavours: give them after the work of their hands; render to them their desert” (Psalms 28:4).

Sometimes giving back what you get can bring you to a certain level of joy you did not have before.

Dr. James L. Snyder is pastor of the Family of God Fellowship, Ocala, FL 34483, where he lives with the Gracious Mistress of the Parsonage. Telephone 1-866-552-2543, e-mail jamessnyder2@att.net. Website is http://www.jamessnyderministries.com.

Article Source: http://EzineArticles.com/expert/James_Snyder/2116

 

I Want to Live in a Truly Inclusive World, Do You?

Pope Francis recently declared that a woman would never serve as a priest in the Roman Catholic Church. This is not a change in stance; he has always said the door was closed on women being ordained as priests. But when pressed about the matter by a journalist during a press conference on the papal plane, Francis intimidated that the ban would be eternal because Jesus only chose men as his apostles.

I want to live in a truly inclusive world, do you?

Is THIS how you get gender equality?

Jimmy Carter “lost his religion” for equality in 2013. He said it was a painful and difficult decision but women and girls have been discriminated against in a twisted interpretation of the word of God for too long.

It’s wonderful that men like Jimmy Carter support gender equality in religion. But women need to support gender equality in religion, too.

Dr. Elizabeth Debold is a developmental psychologist and founding member of the Harvard Project on Women’s Psychology and Girls’ Development. She says traditionally, the role of women has been to ensure the propagation of the species but sometimes women have made conscious choices to bring in something new. (Women supported the birth of Christianity and Martin Luther’s Protestant Reformation in 1517. They spoke out in the early nineteenth century to fight against slavery and their own second-class status.) Debold says when women speak out, it brings about giant shifts in our culture.

If we want to change the Catholic Church’s stance on gender in the priesthood (and we should or we’ll never have an inclusive society), women need to stand up and speak out again. We need to confront damaging habits of the pasts in order to liberate our daughters and granddaughters from similar damaging habits in the future.

If women were to stand up for equitable treatment of women in the Catholic Church alongside men like Carter who are speaking out, men, women and children everywhere would benefit. We’d all be released from stereotypes and other habits of the past, and it would create a more peaceful and inclusive society for everyone to enjoy.

It’s great that men like Jimmy Carter are speaking out but women need to speak out, too.

Gender equality is not only a fundamental human right. It’s a necessary foundation for a peaceful, prosperous and sustainable world.

Gender equality doesn’t happen by chance.

Gender equality doesn’t happen automatically.

And gender equality won’t happen – ever – if the Catholic Church continues its ban on female priests.

Debbie L. Kasman is author of the book Lotus of the Heart: Reshaping the Human and Collective Soul, and she blogs weekly about topics that pertain to spirituality, education and female leadership.

Visit Debbie on Facebook at http://www.facebook.com/DebbieLKasman

Subscribe to Debbie’s blog at http://www.debbielkasman.com to receive a FREE download: How to Develop Your Powerful Potential.

You can buy a copy of her book at http://booklocker.com/books/6848.html. It’s available in print and eBook (PDF, ePub, and Kindle) versions.

Article Source: http://EzineArticles.com/expert/Debbie_L_Kasman/1728371

 

How Pyramid Energy Speeds Up Your Personal Growth

Pyramid Energy is incredibly powerful. If you know how to use it you will find that it increases your personal growth and development and is capable of opening doors to infinite new possibilities.

Pyramid energy is a vital part of Holistic Feng Shui which I teach mainly to professionals helping them to improve their work lives.

Not any old pyramid works

Before we go deeper I want to issue a caveat: Don’t rush out to your nearest alternative shop to purchase a pyramid for a few dollars. It won’t work.

The small pyramids we use to create better energy in offices or homes are specially made from precious materials which are put together to a special proven formula.

Just like the mysterious big pyramids of Egypt and many other places, a pyramid that fulfils its function needs to conform to certain universal principles. These principles have to be strictly adhered to, or you get no benefit from pyramids.

With that in mind let me tell you what happens when you bring a pyramid into your home

Pyramids transform chaotic energy which is generated by our thoughts, feelings and emotions into harmonious energy patterns. You can feel the harmony that is emitted within the field of the pyramid. If you have spent time alone on top of any of the large pyramids of the world you will know that it is a mind altering experience.

All pyramids have three main areas from where their power is released. The places are the tip of the pyramid, in the upper third of the pyramid and at the bottom. The bottom of a pyramid emits energy into the ground.

When you spend time in the vicinity of a pyramid chaos disappears and harmony sets in

Obstacles begin to be smoothed away. They are smoothed away by making you see your life with more clarity. You suddenly begin to notice how you do your thinking. Unconscious behaviours and subconscious thoughts will come to the surface.

As you know we can only change something that we are aware of

When you have pyramids in your office or home everything accelerates. You have to be careful that you don’t overdo it. Quantity does not improve results, correct placement is vital to get good results. While the energy smoothes your path it also will show up everything that needs to change and that can be a little overwhelming. If you have too many pyramids, or use them incorrectly their power can overwhelm you.

Handled correctly the right kind and number of pyramids are fantastic personal growth tools and environmental harmonizing tools. I wouldn’t be without my pyramids under any circumstances.

Mercedes Oestermann v. Essen is a well known success coach and the creator of HOLISTIC Feng Shui, a complete Personal Development and Success Program that brings renewal and regeneration to your mind, body and environment with innovative and unique strategies.

Please visit http://TheBuddhistTrader.com, a rich resource for innovative success strategies. Please sign up for her monthly newsletter for special offers, courses and monthly success tips.

Article Source: http://EzineArticles.com/expert/Mercedes_Oestermann_Van_Essen/112733

 

The World Through The Lens of My Eyes

When I look at the world through the lens of my eyes, there is a huge gap and resistance that lurks and is now spreading. The constraints of the city where I live, the call for immigration restrictions and its consequences especially technological changes have shifted our growth paths. The new wave of technology is a powerful agent of change since it can alter a city’s location advantage turning a bad location into a good one. Multiculturalism and diversity also has become an agent of change. Our personal beliefs and values, diverse perspectives including intolerance are challenges of a global setting. There is a need for a deep immersion within different cultures to understand their values and specific context. Knowing other cultures deeply can effectively link the dots between countries and highlight meaningful differences between cultures that impact and connect the world.

The global community has an enormous opportunity all the time specifically our generation compared to previous civilizations. For instance, enculturation or group identification is an avenue for individuals to accept the culture, norms and values of the society where they live. Hence, this calls for a more culturally congruent atmosphere when addressing social context. Every country has its own distinctive characteristics, history and political realities and as a result, access to institutions across the world is mandatory.

From my perspective, many countries do not have similar goals and frameworks that enhance global performance in terms of per capita income. For better, for worse, the disparity has generated low quality of life of citizens and impoverished some economies. Even though every county has diverse set of experiences, I believe the global community can reach similar targets and policies that deepen universal connection. Moreover, no country would argue against it. Instead, each economy should claim that its goal is to participate in a heavy global investment that supports international connection. All countries are linked by international trade and as we live in a global village, there is no modern example of a country that has shifted itself from world affairs and yet prospered. In light of this, one country cannot ever know it since the acceleration of our connected world and its dynamic complex system.

Equally notable is the overall freedom and a country’s standard of living. Greater freedom means greater performance. Freedom means diversity and mobility. People achieve higher income levels when the global world is barrier free. Both local and international barriers create distortion, bribery and extortion which eventually affect every part of our global system. Likewise, lack of integrity continues to impose high cost of illegal transactions in world market interaction.

In the same way, our lives are driven by fear that inhibits collaboration. Great by choice is a reminder of the strength of human spirit and the rewards come to those who are fearless and passionate.

All things considered, the opportunities and challenges of our connected world is an ongoing process and it plays a key role in our current relations. As a result, the ability to grow and minimize world trials in the years ahead depends on the size of the gap between economies. In essence, if the gap between the rich and poor is minimized, the bigger the room for long-run growth and sustainable global connection.

Moronke Oluwatoyin wrote this original article. You can learn more at http://www.susxtutor.co

Thanks for your patronage.

Article Source: http://EzineArticles.com/expert/Moronke_Oluwatoyin/1275037

 

Massage in Bucharest

Recognize it! You’re busy! And so must be! That’s what life is like! But you want more than that, you want to do more for yourself and massage can help. Because massage makes more than a simple relaxation of the mind and body. It keeps your body in shape and gives you enough energy to make you enjoy a longer life better than you do it today.

Massage releases stress. At the moment, stress is a universal evil. Every time you are late, every time you avoid a car in traffic, every time you have trouble working, stress is doing his job. Each time adrenaline increases heart rate and cortisone levels and organs respond to the measure. You will be in a state of nerves and constant agitation.
When there is no release of stress, serious problems such as an upset stomach, hypertension, sleep disturbances, chest pain, or existing illness may worsen.

Some of the changes that may occur are: Anxiety, lack of concentration, depression, permanent fatigue, muscle or bone pain, sexual dysfunction, excessive sleep or insomnia

All these stress-related problems can be diminished and some can be totally eliminated by massage. The researchers concluded that a massage session can lower heart rate and blood pressure, relax your muscles and increase endorphin production. The massage also releases serotonin and dopamine and the result is a general relaxation, both physical and mental.
Our body care must be at the top of the priorities.
By adding the massage to your routine you will look much better and you will be much healthier and relaxed. Massage can improve your vitality and mood. Massage can prepare for a long and beautiful life.

Our masseuses personalize each massage session according to the needs of the individual.
Our massage parlors offer a variety of relaxation styles and techniques to help you. Apart from relaxing, massage can be a powerful ally in reducing pain, increasing energy levels, improving mental and physical performance

We recommend : HotAngels , VipZone , JadePalace , ThaiPassion

After a massage session, you will see how the mental prospects are enriched, the body allows easier handling, better pressure resistance, relaxation and mental alertness, calm and creative thinking.
When you have the impression or force yourself to stay straight, your body is not actually aligned properly. Not only does the posture look bad, but it forces some of the muscles to go muddy all day, while others become weaker. After a long time, the incorrect position may cause other drops. For example, internal organs press on what affects digestion, breathing ability is also diminished, which means that much less blood and oxygen reaches the brain and hence all sorts of other complications.

Massage allows you to return your body to the track. Allowing the body to make healthy and accurate movements is one of the greatest benefits of massage. Massage can relax and restore muscles injured by bad posture, allowing the body to position itself in a natural, painless position.
Apart from posture, there is also anxiety. One of the signs of anxiety and stress can also be heavy breathing. When the body begins to breathe too little and deeply instead of breathing at a natural rithm, it is impossible for one to relax. One reason may also be that the chest muscles and the abdomen get tightened and the air gets harder.

Massage plays an important role in learning the body how to relax and how to improve breathing. Respiratory problems such as allergies, sinuses, asthma or bronchitis are a group of conditions that can benefit from massage. In fact, massage can have a positive impact on respiratory function.

Many of the muscles in the front and back of the upper part of the body are breathing accessory. When these muscles are tight and shorten they can block normal breathing and interrupt effective breathing natural rithm. Massage techniques for stretching and relaxing these muscles improves breathing function and breathability. Massage leads to an opening of the chest as well as structural alignment and nerve dilatation that are required for optimal pulmonary function. A good way to treat respiratory problems with massage is the taping made in Swedish massage. When done on the back, along with vibrations, it can detach the mucus from the lungs and can clean the airways for better later function.

Massage not only relaxes muscles, but helps people become aware of daily stress levels. Once the body recognizes what really means relaxation, the mind can rest easily relax before the stress becomes cornice and harmful. This will help you enjoy a balanced life. Massage controls breathing, allows the mind to re-create relaxation before the occurrence of chronic and harmful stress and increases the level of energy.