910 resultados para Northwestern Mutual Life Insurance Company.


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Risk identification is one of the most challenging stages in the risk management process. Conventional risk management approaches provide little guidance and companies often rely on the knowledge of experts for risk identification. In this paper we demonstrate how risk indicators can be used to predict process delays via a method for configuring so-called Process Risk Indicators(PRIs). The method learns suitable configurations from past process behaviour recorded in event logs. To validate the approach we have implemented it as a plug-in of the ProM process mining framework and have conducted experiments using various data sets from a major insurance company.

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In Century Drilling Limited v Gerling Australia Insurance Company Pty Limited [2004] QSC 120 Holmes J considered the application of a number of significant rules impacting on the obligation to disclose under the Uniform Civil Procedure Rules 1999

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It has long been known that disasters can have mental health consequences such as increased rates of PTSD, depression and anxiety. While some research has shown that secondary stressors during the aftermath of a disaster can influence psychological outcomes, this aspect of the disaster experience has not been widely studied. This paper reports on two studies that investigated which aspects of the experience of being flooded were most predictive of mental health outcomes. The first study was a qualitative study of adults whose homes had been inundated in the Mackay flood of 2008 (n=16). Thematic analysis of interviews conducted 18-20 months post-flood found that stressors during the flood aftermath such as difficulties and delays during the rebuilding process and a difficult experience with an insurance company were nominated as the most stressful aspect of the flood by the majority of participants. The second study surveyed Mackay flood survivors three and a half years post-flood, and Brisbane 2011 flood survivors 7-9 months post-flood (n=158). Findings indicated aftermath stress contributed to mental health outcomes over and above the contribution of perceived trauma, objective flood severity, prior mental health, self-efficacy and demographic factors. The implications of these results for the provision of community recovery services following natural disasters are discussed, including the need to provide effective targeting of support services throughout the lengthy rebuilding phase; a possible role for co-ordinating tradespeople; and training for insurance company staff aimed at minimising the incidence of insurance company staff inadvertently adding to disaster victims’ stress.

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Esta dissertação tem como objetivo a análise da eficiência técnica das operadoras de planos de saúde vis-à-vis a criação da Agência Nacional de Saúde Suplementar - ANS, no período de 2003 a 2008. Para tanto, foi utilizada a Análise Envoltória de Dados nos dados da saúde suplementar para geração das medidas de eficiência das operadoras, agrupadas em cinco modalidades: autogestão, cooperativa médica, filantropia, medicina de grupo e seguradora. Foram propostas quatro diferentes abordagens que pretenderam visualizar as performances das operadoras nas questões econômico-financeiras e assistenciais, bem como a relação do setor de saúde suplementar com o Sistema Único de Saúde - SUS. Além disso, os dados foram desagregados em grandes regiões brasileiras proporcionando a observação das diferenças regionais. Observou-se que existem grandes diferenças entre modalidades e também entre regiões. A comparação entre as medidas de eficiência nas quatro diferentes abordagens e a evolução, ano a ano, dos normativos da ANS, ainda necessita de uma análise mais detalhada, mas indica, ainda que primariamente, que as modalidades tiveram diferentes reações à regulação.

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This research aims to discuss it is the complexity of interpersonal association and job autonomy that influence the predictive validity of personality for job performance. In addition, for service profession, incumbents' personality can predict not only contextual performance, but also task performance. Salesclerks in shopping center and life insurance agents are selected as subjects. The job performance rating scale is produced by using Critical Incidents Technique. The research method is measuring NEO-PI and collecting direct supervisors' rating of salespeople's job performance. The research results are as follows: 1. The factor analysis result of job performance is different from the west. That is to say, the support for organizations which belongs to contextual performance in the west can not be distinguished from task performance. Therefore, in China, or to say in the shopping center selected, task performance includes both technical proficiency and the support for organizations, and contextual performance includes job dedication and interpersonal facilitation. 2. For salespeople, personality can be the antecedent of contextual performance and task performance as well. However, the predictive validity for task performance is very low. 3. The more complexity of interpersonal association, the stronger relationship between personality and job performance. 4a. The correlation between job performance and facets of Big Five is higher than the one between job performance and factors of Big Five, such as Agreeableness, whose facets have different impacts on job performance, some positive and others negative. 4b. The correlation between personality and the items of job performance rating scale is higher than the one between personality and the factors of job performance. 4. Working experience is the moderator of the relationship between personality and job performance. For salesclerks, only if the working experience of subjects is less than 3 years, achievement striving-one facet of conscientiousness-is significantly correlated with the ratio of finished sales volume at 0.01 level.

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This study examines managers‟ perceptions of Knowledge Management (KM) prior to implementation of KM-systems in a global insurance company and investigates whether Hierarchical structures are conducive to KM. Mixed methods are used, combining large scale surveying and case study using content analysis to organize the data into themes that provide the basis for arguments. Evidence suggests that managers strongly align their perception of KM with communication. Despite a multi-layered, hierarchical structure and strong middle management presence, organizational structure was not viewed as an issue. These factors are usually barriers to communication and organizational flexibility, yet managers believe that they may not inhibit KM becoming fully embedded. This evidence is contradicted by the results of a global KM study where silos, stovepipe and hierarchical structures were commonly cited as barriers. This contributes to the understanding of managerial mis-conceptions of knowledge as opposed to communication, and how organizations effectively share knowledge.

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Dissertação apresentada ao Instituto Politécnico do Porto para obtenção do Grau de Mestre em Logística Orientada por: Professor Doutor José António Baptista da Costa Coorientada por: Dr. Lourenço Fernando Gomes Pinheiro

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Dissertação apresentada à Escola Superior de Comunicação Social como parte dos requisitos para obtenção de grau de mestre em Gestão Estratégica das Relações Públicas.

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O aumento verificado nos últimos anos em fusões e aquisições (F&A) resulta da opção dos gestores para fazer face ao aumento da pressão competitiva e ou à necessidade de crescimento rápido. A literatura sobre os efeitos dos processos de F&A é diversificada e as conclusões são contraditórias. Neste trabalho pretendemos verificar se o processo de F&A se traduz na criação de valor para o acionista da empresa adquirente. Como métrica de avaliação utilizamos o método de análise dos fluxos de caixa atualizados ou o Discounted Cash-Flow (DCF). Para o efeito efetuamos um estudo de caso que vai incidir sobre uma empresa seguradora portuguesa – A Lusitania Companhia de Seguros, S.A. – que recentemente adquiriu, por fusão por incorporação, a Real Seguros, S.A. Efetuamos uma análise de natureza quantitativa através dos dados do relatório e contas e encontramos evidência de que o desempenho diminuiu após a transação.

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Trabalho de Projeto de Mestrado apresentado ao Instituto Superior de Contabilidade e Administração do Porto para a obtenção do grau de Mestre em Empreendedorismo e Internacionalização sob orientação da Doutora Celsa Maria Carvalho Machado

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1. Personal insurances in the Portuguese law: life insurance and health insurance. 2. The protection of personal data in the Portuguese law, particularly the health data. 3. The access to the health data of the insured person in general and of the deceased in particular. 4. Typical cases.

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From the 1st of January 2011, new conditions have been validated in which surgery for weight loss is borne by the basic insurance. These are very significant changes compared to the old criteria. Indeed, on one hand, patients with BMI > or = 35 kg/m2 may, without age limit and in the absence of comorbidities benefit from surgery without prior request to the medical council health insurance company concerned. On the other hand, the notion of a minimum casuistry is for the first time introduced in centers performing this type of intervention. In addition, certified centers are required to follow standard procedures for the patients' teaching and follow up.

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Fonds contains materials related to the St. Catharines, Hamilton and Toronto Offices of the Ontario Editorial Bureau, from the early 1940s to 2008. All invoices and personal documents (life insurance plans, T4 slips, vacation pay, doctor's notes etc.) have been removed from this collection. Resumes have been removed and, if appropriate, placed in the biographical file. Duplicates have been removed.

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L’objectif de ce mémoire est d’étudier les liens entre le climat psychologique des unités organisationnelles et la détresse psychologique. Il s’agit plus précisément de déterminer si le climat psychologique des unités organisationnelles peut être considéré comme un facteur professionnel pouvant favoriser le développement de la détresse psychologique. Nous avons recueilli des données primaires en transmettant un questionnaire spécifique auprès de 362 employés de cinq départements différents d’une société d’assurance du Canada. Deux échelles de mesures de détresse psychologique ont été utilisées aux fins de notre étude : l’échelle de Kessler (1998) utilisée dans l’Enquête Nationale sur la santé des populations du Canada de 1999 et celle d’Ilfeld adaptée par Préville (1994) utilisée dans l’Enquête de Santé Québec de 1998. L’analyse des résultats a partiellement démontré que les dimensions du concept de climat psychologique (la qualité des relations avec les collègues, la qualité des relations avec le superviseur et la qualité de l’environnement immédiat de travail) influencent le degré de détresse psychologique au sein des unités organisationnelles. De plus, les trois composantes du climat psychologique ne prédisent pas de façon similaire les résultats des deux échelles de détresse utilisées.

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Résumé: Les progrès réalisés dans le domaine médical ont permis un prolongement de l’espérance de vie, l’amélioration de la qualité de vie des patients; ce qui implique aussi des changements dans des domaines comme l’assurance-vie. Le principe de la tarification en assurance-vie est basé sur la comparaison du risque (probabilité) de décès d’un individu candidat à une police d’assurance à celui d’une population de référence la plus proche possible du candidat. C’est ainsi que l’analyse de la littérature médicale est devenue un outil indispensable dans la sélection des risques. L’assurance-vie est présente en Afrique subsaharienne depuis environ deux cents ans, mais les assureurs ne disposaient pas jusqu'à nos jours d’outils de tarification spécifiques au contexte africain. A notre connaissance notre travail est le premier effort de ce type à s’intéresser à ce sujet. Son objectif est d’élaborer un outil de tarification qui tiendra compte des aspects spécifiques de la mortalité et de la morbidité sur le continent africain. Dans une première partie nous avons conduit une revue de la littérature médicale disponible sur différents problèmes de santé; dans une seconde étape nous avons identifié les facteurs de risque de morbidité et de mortalité afin de proposer une sélection des risques pour une tarification. Les résultats montrent que les études de mortalité, et principalement les cohortes de suivi à long terme sont rares en Afrique subsaharienne; la majorité des études sont de courte durée et en plus elles enrôlent un nombre restreint de patients. Ces insuffisances ne permettent pas une analyse actuarielle approfondie et les résultats sont difficiles à extrapoler directement dans le domaine de la tarification. Cependant, l’identification des facteurs d’aggravation de la mortalité et de la morbidité permettra un ajustement de la tarification de base. Le sujet noir africain présente un profil de mortalité et de morbidité qui est sensiblement différent de celui du sujet caucasien, d’où la nécessité d’adapter les outils de tarification actuellement utilisés dans les compagnies d’assurance qui opèrent en Afrique subsaharienne. L’Afrique au sud du Sahara a besoin aujourd’hui plus que jamais de données épidémiologiques solides qui permettront de guider les politiques sanitaires mais aussi servir au développement d’une sélection des risques adaptés au contexte africain. Ceci passera par la mise en place d’un réseau coordonné de santé publique, un système de surveillance démographique fiable et un suivi continu des mouvements de la population. Pour atteindre un tel objectif, une collaboration avec les pays développés qui sont déjà très avancés dans de tels domaines sera nécessaire.