Yannick Schmitz went on to lead a team of 52 employees. He is responsible for developing and driving marketing strategy across all markets group Macif (life insurance, health, welfare, services, credit, etc.).. He also mandated to ensure the satisfaction of the 4.7 million members provide the best value product offerings and services. He oversees the animation specific markets and professional piloting and monitoring of business development, Internet and intranet projects and the development of direct marketing.
Graduated from the Conservatoire National des Arts et Metiers, Yannick Schmitz began his career in specialized distribution. He held various positions in marketing and marketing at Armand Thierry before joining in 1995 the Go Sport in the Purchasing Division.
Yannick Schmitz: Executive portraits Insurance
August 26th, 2009The Canadian Group Scotiabank setting insurance services by opening an insurance center
August 26th, 2009Scotiabank Group Scotiabank Canadian development of insurance services by opening a center dassurancesLe Scotiabank Group today launched a new range and improved products and insurance services, as well as new useful functions online and opened the first counter of the Group, an insurance center Financial ScotiaLife.
The product range now includes a new home and auto insurance, as well as additional proceeds of life insurance and health, where a preview can be requested online.
“Insurance is a key strategic priority for Scotiabank Group. Today’s announcement represents the culmination of work we have done in the Strategic Initiatives Group. We still believe that insurance is a key growth area for the Scotiabank Group and we will work to further expand our activities in this sector in the future, “said Robin Hibberd, vice president of management, Lending and Insurance, Scotiabank.
Financial Scotia Life Insurance Brand New Canadian Scotiabank Group leverages a solid expertise and excellent products and services related to the life and health insurance, credit insurance, travel insurance and now, homeowners insurance and automobile.
This product provides complete protection for vehicles including motor homes and snowmobiles, and for homes and cottages, condos and personal belongings of tenants. It prompted an enthusiastic response.
“Our customers asked us for some time when we were offering home and auto insurance. We plan to expand our product offering, attract new customers and deliver an exceptional quality of services while working to grow our insurance business, “said Mark Cummings, Senior Vice President and Head, Insurance Canada, Bank Scotia.
Financial ScotiaLife now offers two new life and health insurance, reserved exclusively for clients of Scotiabank. The critical illness insurance Scotia Life supplements the disability insurance and health insurance supplemental existing customers and allows holders to receive any benefit single comprehensive after a diagnosis of heart attack, cancer or d ’stroke of up to $ 100 000. The health and dental insurance ScotiaLife covers medical care for emergency travel and offers an optional dental insurance for those who do not enjoy such protection in the framework of their benefits or who wish to complete their existing insurance.
The Scotiabank Group is also interested in how clients can access products and insurance services. Initially, the authorized agents offer home insurance and car on site at the insurance center Financial Scotia Life, which is back channel.
“Our first insurance is for those who prefer a personal experience. We will consider open later other pilot sites, “added Cummings.
“We believe that customers are seeking solutions from trusted organizations,” continued Mr. Cummings. “We appreciate the loyalty of our customers and we want to provide them with comprehensive insurance solutions, and this, in a simple and practical.”
Scotiabank is one of the major financial institutions in North America and most international bank. With their staff of nearly 69 000 employees, Scotiabank Group and its affiliates serve approximately 12.8 million customers in some fifty countries. Besides investment banking, Scotiabank offers a full range of products and services to individuals, small and medium businesses and large corporations. The assets of the Bank of Nova Scotia amounted to over 513 billion dollars (on April 30, 2009). Shares of Scotiabank are traded in Toronto (BNS) and New York (BNS).
Burglary, fraudulent payments: resolving disputes back from vacation
August 26th, 2009Dispute with the travel
If the provision of travel does not correspond to that promised by the operator, it is important to gather as much evidence on site dating all the documents collected as well as photos as evidence. The holiday must try to have the greatest number of witnesses. Returning home, he will send the travel all the documents collected by registered mail with acknowledgment taking care to keep a copy of each document.
Generally, the complaint procedures are written into the contract between the passenger and the tour operator. It is also the responsibility to quantify the damage, both from a substantive point of view as moral. An informal arrangement is often found with the tour operator. The same application can be made directly with the insurer of the travel agency.
Regarding air transport, it is accepted by the travel agents can sell more tickets that there are actually places on the plane. Tour operators rely on last minute cancellations from passengers for maximum return on your flights and thus offer passengers the opportunity to cancel. However, a Community Regulation dated February 17, 2005, passengers are required to get compensation for denied boarding or delays, flights only departs from a country of the European Union destination in a third country or vice versa. For flights outside the field previously mentioned, airlines are still required to board the passenger on the next flight.
The first person to notify in case of break is the insurer. Victims must provide certain documents. For those with a guarantee against theft in their contract of comprehensive insurance residential burglary must be reported to the insurer by letter within two days after discovery of loss. The insurer will also receive an estimate of stolen goods, and all documents which prove their value should be grouped as invoices, warranty cards, photographs, etc.. The police and the police are to be notified of the burglary.
The compensation will depend on all the evidence collected by the insurer within the ceiling set by the insurance contract subscribed. But for all these clauses work, it is imperative that a clause covering burglary if prolonged, especially for the holidays, is included in the insurance contract, failing which the insurer can deny the benefit warranty. The holiday should not be gone longer than permitted by contract, usually three months.
Fraudulent payment abroad
While returning from vacation, abnormal activities listed on bank statements of the holiday, immediately oppose the payment fraudulently. A number interbank available to users, 0892 705 705 (0,34 € / min), directly put you in touch with the bank and the requested service, whatever the type of credit card.
For purchases that could be made with the card is lost or stolen before the opposition, there are two scenarios:
- For fraudulent claims made without use of the code, can be liable to an amount of 150 euros.
- For fraudulent claims made with use of the code, can be liable up to the ceiling of operations specified in the contract.
But in case of negligence (eg No confidential listed with the card at time of loss or theft, use of the card by a family member), or if too late to oppose your card your responsibility will be fully engaged.
Packages left on La Poste
Post retains parcels not delivered in the post office specified on the notification that during 15 days. The holiday does therefore this long for power removal. Thereafter, the package is being shipped at the sender. The latter can always try to do redirect by explaining the reason for the absence of the holiday, and it depends only on the goodwill of the post office to ship back at their expense.
Mainsail to the legend
August 26th, 2009Piled in the hold adventure novels and history books. Fifty, no more: “I exchange them at each stop. “At 61, Peter Raffin-Caboisse knows what he likes, what he wants and how to obtain. -Saturday morning, he left Paimboeuf. He trimmed his mustache eternal, kissed his wife and three children, then took the sea for long months at sea: “Some are retiring at the end of life. I have taken a deposit while I was in shape, “laughs there. For the Canaries Islands, Easter Island, Noumea …
The Nantais has a world tour under his belt. Was in 1999, it took three years. At the time, he knocked on the trail Croisic Jacques-Yves Le Toumelin. This time, he sails in the wake of the Comte de La Perouse, left stranded in 1788 with his expedition on the coral Vanikoro north of New Caledonia. Eighty sailors had survived the shipwreck, built a canoe and left the island for a destination remained unknown.
Pierre leaves take their news, listen to legends and anecdotes. Once there, he will Noumea base until 2015, exploring six months a year the roads would have been able to borrow the shipwrecked “I hope to find some descendants. ”
His eyes are filled with crinkled insurance. She is passionate about this story, he who devours everything concerning the sailors of the eighteenth century and preparing a book on Bougainville. Adventurer knows: “It will not be easy to talk to the locals. He relies on Babar, his replica wooden lobster boat acquired in 1994. This boat, “we want to go to him. “Peter has been preparing for months on hold # 2 in Nantes. “He looks solid, but a breaker can break the shield. “Babar’s 28. He did not. The mast, sails and rigging are new. The kitchen, homemade “They kept only the hull, actually. ”
The trip is not given, “200 000 euros by 2015. But the ex-student of Fine Arts has managed to finance, inter alia, the sale of watercolors or books based on his last journey. No choice: even with an accountant father and a schoolteacher mother, the sea, he has in the skin. Since he “discovered Christopher Columbus.” Since his childhood in Noirmoutier. Since its first wooden sardine in 10 years. “My great transoceanic was Noirmoutier-Pornic. “Only the scale has changed.
“Spare, trovatemi if you are capable”
August 21st, 2009Who knows if in the end find him, Evan RATLIFF, and where, while drinking beer in a ramshackle tavern outside Sonoma, California, or hidden in a hole in the Fifth Avenue, New York, look at the last drops of a beautiful late summer afternoon. There until September 15 is anyone of us can do. And there are five thousand dollar prize. To succeed, we can have everything that the police, the data of his credit cards, the number of your phone, we can follow his travels on the Internet looking for pictures and memories wherever we are. And there are everywhere. Matthew Alan Sheppard, too, have caught, when it seemed impossible for a stupid search listing on Google before you leave. And John Darwin, nicknamed ‘canoe man’ for how it was managed to eclipse navigating on a river, he screwed the DNA, seven years later when he wanted to return.
In the society of Big Brother, it is easier to appear or disappear? It may well be that the answer is obvious. Spar is not the easiest thing, “says RATLIFF. He decided to prove it. “Try to remain hidden for 30 days – has explained on Wired, the magazine for which he works -. Remain in the United States, in my usual environment, would not hide in a shack in Montana. Continue to use sites like Facebook and Twitter and a telephone call from my numbers. Controller my followers, looking for news about me. ”
Evan has worked many times with people and disappearance of large cheating via the Internet. The idea of the hunt came after passionate case of Matthew Alan Sheppard, manager of a peaceful province married for ten years, with a daughter of seven. So he arranged everything with “Wired”. We think the editor’s friend, Nicholas Thompson, to coordinate the hunt. Nick knows everything about him. The only thing I do not know where it is hidden. I do not know anyone, even his family. But Nick will network all the tracks are: payments by credit card (if I’m foolish or desperate enough to use my accounts, “said Evan before squagliarsela), telephone calls, e-mail.
The game provides rules. Vince who locates, identifies, and the photographer sends the images to “Wired” using password “Fluke!” Lucky shot. Who can not win, during the search, committing crimes, contact the family of Evan or physically harm him. The winner receives five thousand dollars and must agree to be interviewed, because Evan tell the whole story about each other ‘Wired’. The fame of course, is a game. But a real game. “Today – wrote on his site – it is easier to steal an identity to get rid of his own.” It is no longer as it once was, “when you could move in several states, as in the Hitchcock film, with a new name and changing your life with a minimal risk. Now your tracks from GPS chase is able to detect mobile phones, and ATM, IP addresses, electronic transactions and computer research. ”
In society we have built, maybe somewhere there is your double, but it is almost impossible that you can disappear. And ‘This is the contradiction. Matthew Alan Sheppard, the man who inspired RATLIFF was screwed by this. Had died drowning in a river before the eyes of his wife and daughter. None of them knew something and were really desperate. The search lasted throughout the weekend, but found only his orange hat. Sheppard had begun to squander the money in computer games. He had a life insurance policy and had discovered that, in face of death, the insurance would pay his wife even without the body. That is not said nothing.
But then he wanted to return, after the insurance had paid the amount due. He did not know there was an investigator that he had believed, Sergeant Roberson, one of those heavywheight we are only in movies or in books by James Crumley. Sergeant was tripped in an article that talked about Steve Fosset, disappeared without leaving traces and still never found. He had used a trick: he left the phone, hoping that someone rubasse him and lead the police on his tracks. He went his way. How odd. Matthew also had lost a mobile phone: he had lost to a gas station nearby. Sergeant reread the computer Sheppard: Matthew had only used Google and LexisNexis. But going back in time once he discovered that he had placed on its search engine the name of Steve Fosset. Bingo. The rest he did the thief who had screwed the phone: the left now, do not create any false track.
The pecking in Mexico, Sheppard. He opened an inn, and was sitting in the shade of a porch to a sip tequila after another, such as wanting to remove the taste of the mouth of death. Why disappear is a little ‘trick as death or life. I do not understand well. He will explain Evan, when he returned.
The Woodstock of the skate fanatics
August 21st, 2009Today, the ramps are part of the daring street furniture, from the Chelsea Pier sull’Hudson and 23rd at the time of the bridges between Manhattan and Brooklyn. There is even a public park, the Skate Park, Riverside on the Upper West Side, the first dedicated to skate. He was due to Andy Kessler, the community of skaters celebrated Saturday with rallies and exhibitions in the city, before the funeral on Sunday in New Jersey. Kessler had died the week before for an allergic reaction to a wasp sting.
The table from the road, born of surfers in California, has made millions of followers worldwide, and before that elsewhere in New York. Last Saturday generations of followers have gathered to honor the memory of the ‘king’ or ‘godfather’, as they called friends. Forty-eight years, Kessler was one of the pioneers of the skating world, among the first to grasp its appeal ‘west coast’ and translate it into the fabric York. It was the’70s and megalopolises bankrupt districts offered degraded, disused factories and parks Malten. Born in Athens, an orphan adopted by an American family, there Kessler begins his journey, now in dramatic balance between drugs, alcohol and virtuous developments.
Always on the edge, always looking for new steps of difficulty. But the first real obstacle, the harder, the more than a leader. Around 25 years, knows to stop with the drinking and the ’stuff’ and concentrates on skating. Not only continues to practice alternative to surfing in the sea off Long Island, but institutionalises. It deals with the city parks department and to convince the establishment to create an official meeting place for skaters in a park on 108esima and Riverside Drive. Draw him pathways, ramps. Constructs his myth scar on scar. Among the fans is an icon, and Saturday night hundreds gathered in Brooklyn, on the esplanade in front all’East River, in Greenpoint, a tribute to the Autumn Bowl, a bowl of autumn, inside an old brick factory. There was even those who knew him personally: “He raised the flag higher and more strongly than anyone, ‘he told the New York Times Tony Alva, the epitome of skating on the coast, arrived from Santa Monica (California ): “embodied the spirit of New York, and now it is here that makes skating with me.”
With the soundtrack of the songs of the Who and the Beastie Boys, dozens of skaters have crossed on the walls of ciotolone from 230 square meters of area, more than two depths: an exhibition-tribute to the achievements of Andy: its “go vertical ‘revolutionary thirty years ago and now normal practice, but also its commitment to fostering places for the table. He was raised by finding that the tracks in extreme places, like the “Death Bowl”, an abandoned swimming pool in the Bronx, or the ‘Suicide Hill’, a steep descent sull’Hudson.
Graffiti and skating went hand in hand in the pre-Rudy Giuliani, and in fact, Andy became a member of ‘Artists of dell’Anima Park Zoo; rather, it “was the president,’ he recalled Zephir, one of the group. In 2005, when he had his most serious incident, the money to rebuild the knees and elbows were collected from friends and fans because he did not have health insurance. In addition to conversion to ‘architect’ of the tracks in the park, which became his work in America and abroad, Kessler was able to transform his direct experience in doped by example not to follow, and many friends will remember. “He saved my life,” said Harry Jumonty, 41 years, NY, telling that Kessler had led to Montauk last week to keep away from drugs. There, very tip of Long Island, Kessler went to surf and brought his friends at risk. “Maybe I could have saved his life, the cries Jumonty hours. But the evil of Montauk wasp had already decided his fate.
FOREIGN TRAVEL: COPAS, INSURANCE REQUIREMENT AREAS AT RISK
August 21st, 2009General obligation of insurance for travel abroad in areas “classified” at risk seizure. E ‘quanto proposes Copas in one of the chapters of its annual report.
“The responsibility ‘of individuals – first, the Committee – the decisive element appears on which to focus attention in advance. Indeed, without disregarding the need ‘to intervene to protect the lives of our fellow citizens in every situation, it is discouraging to most tools’ penetrating those Italians who – to choose adventure travel and insecure – put at risk their personal safety’ and of officials responsible for security called to intervene, determining also the emergence of critical situations for the state in terms of political-diplomatic relations and the need ‘to tackle, at least, ordered logistic costs borne by the community’. ” Hence the stress on “a review of the feasibility ‘of a general insurance from tour operators and agencies for those going to areas where there are risks of seizure in accordance with the classification provided by the Ministry of Foreign Affairs. The insurance should cover expenses incurred by public bodies, in consequence dell’avvenuto seizure and the need for intervention to follow. ”
In one of the hearings, the Minister Frattini has stated that she can not ‘be hit the Freedom’ individual citizens’ but ‘it is imperative that each and felt discouraged from visiting certain areas. They would ‘you could connect a general insurance for some trips, distinguishing the case of foreseeable risk than risk unpredictable: for this second case, according to the government, one could envisage the establishment of a fund from which to derive the resources financial assistance needed. “
Lufthansa launches insurance against time on holiday
August 21st, 2009This is laid down in the initiative launched by the airline Lufthansa, which, through an “insurance on their own,” undertakes to reimburse up to 200 euros (20 per day for ten days) in the event of bad weather during the holidays. The formula is called “Sunshine-Insurance” and provides for the respect of a number of conditions: it is valid on tickets to 36 destinations (in Italy, for Rome, Venice, Florence, Bologna and Verona), you can buy it without charge until August 18 for a trip that will end no later than November 8, and EUR 20 per day.
Forgetful Drivers: Record already expired license renewal
August 21st, 2009Automobile Club Modena, has touched a record negative and very worrying. 50% of those who have undergone the medical check for the renewal of the license had already expired, with 4 licenses withdrawn by the police on the road. Another 27%, of the 28 present, l ‘was due to expire by midnight.
Within 50% of forgetful, for a half, plenty, the expiry dates back even to a few months ago.
An embarrassing situation for several reasons. The less “urgent” are the penalties provided by the code. More “serious” is, however, be involved in an accident, being in the wrong.
In this case, the insurance, once compensated the victim, followed by an action of revenge, recovering damages from those who drove with expired license.
The data, yesterday, are to be evaluated very carefully, even in their disorder, as well as those related to the number of false licenses that the police discovered on the road thanks to electronic controls.
The Automobile Club urges motorists Modena Modena, to enable them to check the validity of their license, before you travel for vacation.
If the police find that the license has expired, and to board the means there is no other person qualified to drive, you must do to return home, in the time allowed by the minutes and depending on the distance traveled.
Liberty Seguros has launched a motorcycle insurance policy that covers injury to passenger, passenger or pedestrian
August 14th, 2009The insurance also covers application of goods to a third party, roadside assistance, accident and total loss of the transport vehicle.
Liberty offers motorcyclists the new insurance, making it the leading company in the Colombian market through their vehicle and wide range of specialist policies.
The Liberty policy covers motorcycles cilindraje low, usually used to work until the highest range. Provides assistance for travel, special coverage for accessories up to 10 percent of the market value of the bike as luggage, luggage, protective bars, among others.
It covers medical expenses for the driver and passenger, in addition to damage of accessories such as helmets, vests and jackets.
Travel under this coverage, the policyholders of Liberty Motorcycles will travel and lodging for the occupants of the motorcycle for immobilization, localization, and shipping of parts, report on the state of the roads, towing assistance, assistance of legal counsel in the site of the accident, medical home for the insured in case of disease transmission Carriage Workshop in the main cities: Bogota, Cali, Medellin, Barranquilla, Bucaramanga and Pereira, in addition to recognizing the cost of house arrest.
Accidents, a motivation
According to the Road Prevention Fund until November 2008, over 700 people between 21 and 30 years old, killed in a traffic accident, either as driver or passenger of motorcycle (also known as “barbecues”) .
The progressive increase of traffic accidents due to the growth of the motorcycle to run over the past four years the park grew in engines 1,114,164 units.
