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Author: catherine

It has been revealed that life insurer Pru Life UK witnessed a 15.8% increase in net profit in 2008, despite a drop in single-premium sales resulting from the weak investment market.

Pru Life UK President Nishit Majmudar said the drop was due to lower sales: “This is because single premium sales were much lower in 2008 than in 2007, ”, he said.

The slowdown in take-up on single-premium insurance echoes the hostile industry, but Majmudar said that the company still benefited from the highest number of single-premium policies than any other competitor.

The company’s president seemed confident that his firm was a strong contender in the life sector and is here to stay, as he estimated the business ranked third based on first year premiums sales plus 100% of single-premium.

The insurer has also reported new found money from unit-linked business before insurance charges: “Considering the financial turmoil that started in 2008, this still would prove the investors’ confidence in our linked funds,” he said.
Despite an increase in sales, not many are buying

Despite life cover sales increasing elsewhere in the world, a recent survey from a leading life insurance company has revealed that many Brits do not bother buying such protection.

The study found that half of the British population would have no financial security in less than a month if their income were to dry up.

The research displayed that nearly half of UK residents (45%) have not purchased any form of protection cover, which includes policies such as income protection, life insurance critical illness cover.

72% stated that they save less than £100 a month, with half of these saving nothing for the future. Worryingly, 49% of adults have less than £1,000 in investments and savings.

Shockingly, only one third of the British public believe they have some sort of financial provision in place to cover their mortgage.

However, the average yearly household spending budget is around £450 a month, leaving millions with just enough money to survive less than a month is the worst should happen, and with redundancy and financial strains putting pressures on households, this is a real possibility.

One financial analyst said the problem of rising unemployment and dwindling savings was “only going to get worse.”
Gap in life insurance

It appears that people are hesitant to invest in protection policies when left to their own choices, according to the survey.

Only 5% committed to purchasing critical illness cover, 7% opted to buy life insurance cover and 10% were prepared to purchase an income protection policy.

Iain Mallon, head of protection at the insurance company said that education was key when making people understand that their life and future is worth protecting: “This is a serious issue for the UK public and one that needs to be addressed if people are going to be properly protected.”

He furthered: “Financial provision is generally seen as rather dull and low priority. But every year thousands of families are financially affected by the loss of income from a breadwinner. In the current economic climate this is only going to get worse.”

About the Author:

Are you part of the 45 per cent of British citizens without life insurance? Cover yourself for every eventuality and purchase life insurance now.

Article Source: ArticlesBase.com – Nearly half of the UK does not have life insurance cover

Author: bloom media

Action Against Business Crime was formed by the Home Office and the British Retail Consortium as a response to rising levels of crime in shops and other small businesses around the country. Crime problems for businesses had been made more difficult by police concentration on national key objectives such as domestic burglary, personal robbery, car crime and violence. With acquisitive crime increasing as the recession takes hold, now is the time for all businesses to ensure they protect their future from theft, burglary, robbery and violence.

By forming business crime reduction partnerships in cities, towns, shopping centres and other areas with concentrations of business, much has been achieved in reducing crime and anti-social behaviour in many areas. It is far better to develop a structured response to crime before it happens than to have to call police after it has happened.

By getting retailers and other businesses to communicate with each other by radio, sharing information about local criminals and alerting each other to suspicious people and transactions, a great deal more can be done to reduce the opportunity to commit crime. Remember, thieves operate best when their behaviour is anonymous and not known to other people. By working together, it reduces that anonymity, exposes criminals to greater risk of being detected and reduces their opportunity to commit crime.

Working together will not eliminate crime, but it will bring positive results as known local criminals and anti-social elements know they will be identified and that their details will be passed to other businesses. It also means that local police have a better chance of dealing with these people because they will have much more evidence of the actions and behaviour of those people who cause most trouble locally.

As part of its work, AABC now provides better and more cost-effective security systems for small businesses, which suffer higher levels of burglary and, in many cases, do not have adequate security. Bells only alarms are not normally responded to by police, so something better is required to give small businesses that level of protection provided by police response systems affordable generally by bigger businesses at far greater cost.

Working with a security provider, AABC has developed a keyholder response security system, which is monitored by a central security centre in the same way as a much more expensive police response system. The security centre can listen in to hear if anyone is on the premises after the alarm is activated and advise the keyholder accordingly. The system also has a lone worker alert, which allows staff to contact the security centre who will listen in and who can speak to the lone worker and provide assistance if required. The security system also features a smoke detector as fires frequently mean that effected businesses never recover.

To reduce the financial burden, there is no up-front capital outlay for the system. All that is required is a three year agreement that covers the cost of the hardware, the monitoring and maintenance, all this has been price pointed at £35 per month plus vat – or £38 per month plus vat with smoke detection, – that’s about £9 a week for first class security which is considered affordable to almost every business. This provides protection which is seen as being far more effective than bells only by your insurer and which will ensure you obtain the best insurance deals as well as protecting your future. On there web, you can check for online insurance quotes.

For more information visit www.businesscrimereduction.org to see the full range of security systems on offer – shop, office and unit.

About the Author:

Nasreen Haque

Article Source: ArticlesBase.com – Protecting small businesses from crime

Author: Richart Rick

Are you all geared up for the upcoming trade show of your company? A trade show is a great opportunity to attract prospective buyers. One can make full use of this opportunity by gifting promotional products to prospective customers. But choosing the right promotional gift is very important. There are two promotional items that are in great demand. They are:

Technology Items
Promotional items vary from t-shirts to pens and from mugs to calendars. But if you want to make an impression, then nothing looks more savvy then gifting technological items. In the era when laptops and mobile phones have swept the hearts of many, gifting a technological item is a great idea.

The reason why a technological item should be chosen as a promotional gift, besides it being in trend, is its durability. They remain with the customers for a longer time and are not thrown out of the window in a couple of months. This works in favor of the company as it lessens the need of an advertising campaign. Also, they come out to be a great way to promote business as their chances of display, in an office setting, are much higher than that of a mug or a calendar.

Some popular technological promotional gift items are mouse pads, USB flash drives, MP3 players, calculators, CDs, protective screens, computer bags, CD covers, etc. While mouse pads and CDs are ideal promotional gifts to a large number of recipients, promotional MP3 players can be given to important and high esteemed clients.

With so much of variety available in technological items, one can make a right choice of a promotional gift depending upon the recipient and the budget.

Promotional Apparel
Promotional apparel is undisputedly the king when it comes to visibility of promotional gifts. One may look around and will easily spot number of people sporting promotional apparels. From casual to formals, from ties to handkerchiefs, from t-shirts to tees, there is so much to choose from the apparel segment, to promote your business. One can witness the most fashionable men and women sporting their favorite brands by wearing promotional apparels. In fact, promotional apparels have become a fashion in itself.

There are many companies that are into the business of manufacturing promotional apparels. They have a vast variety for you to choose from. If you want you can also customize your promotional apparels by selecting the fabric, color, design, etc. The major advantage of gifting promotional apparels is that they tend to get noticed quickly and helps creating brand awareness. While a technological item is stationary, promotional apparels travel and give high exposure to company’s brand name.

Now, you must have got a fair idea of what to gift to your potential customers and clients. There are other types of promotional items also, but nothing comes close to technological items and promotional apparel today.

About the Author:

http://www.ipromo.com/ is the right destination to choose your promotional items from. From promotional MP3 players to promotional USB, they have everything in store to meet your diverse requirements.

Article Source: ArticlesBase.com – Choosing A Promotional Product Is Not Easy