Insurance Plan Ideas

Using insurance discretion can reduce the level of conflict between the parties and give extra security for claims settlement.

An insurance discretion should be an independent valuation of a damaged object in an insurance settlement.

It's meant to be an instrument to curb the level of conflict in a claims settlement, says Senior Advisor Paul John from the Consumer Council.

A working group consisting of the Consumer Council, NITO Inspectors and the Financial Services' Union (FNO) looked into the scheme.

Annual undertaken around 300 Insurance discretion in (2012). Meanwhile, there are reports every year hundreds of thousands of injuries to insurers. Although there are relatively few cases involving discretion, represents cases significant value in settling claims.

When Used Discretion:

Discretion may be required in the settlement of damages on most types of insured objects like cars, furniture and other belongings, equipment and various items of value, but most cases that require judgment, building damage.

The right to deduct insurance discretion is warranted in the insurance contract.

Examples of situations where discretion may be appropriate:

Must Require Discretion:

An insurance judgment starts with one of the parties in a claims settlement requires discretion. As a rule, the insurance company that requires discretion. When one of the parties has required judgment, the other party is normally three weeks to find and appoint an assessor. After the parties have chosen assessor will be held a meeting where everyone involved in the judgment being present. This is called a judgment setting meeting. During the meeting receive the assessors a mandate which further describes what the mission is. In judgment setting meeting, the parties informed about what discretion means in accordance with the insurance conditions. Then drag the people involved in the survey to examine the damaged object.

Gorgeous Internal Calculations:

This discretion is to obtain relevant information about the object instance of government and expert reports.

When all of the facts are collected and processed will the assessors prepare a description of the insured object damaged. On this basis calculates the assessors value of the damaged item. Valuations which the assessors have undertaken is presented to the parties in a discretionary report. This report does not contain detailed calculations, but provides answers to the key items specified in the mandate, which re-entry price, market value prior to the damage, additional costs for statutory orders. In a judgment is detailed calculations discretion internal, and is exempt from the parties' access.

Possible Sources Of Error:

An insurance judgment is binding. Parties may not require a judgment set aside if they disagree with the valuation. If it can be proven wrong committed during the valuation may be changed. This may be pure procedural errors or wrong assumptions in the valuation. It may be difficult for consumers to detect, since calculations are secret. Other forms of error could be that the assessors have assumed an incorrect understanding of the terms.

About Insurance Discretion Best Tips

It is established recommended standards for execution of judgment, and standard documents for assignment confirmation, declaration of impartiality of assessors and design of the mandate.

How To Choose Discretion Person?

When set discretion select / appoint both the policyholder and insurance company an independent assessor each. It's in terms of insurance that the assessors must be experts and impartially.

This means that they should have the necessary knowledge and qualifications to perform the mission and that they should not have ties to any of the parties (such as consanguinity / friendships, employment or financial ties).

These are issues that should be emphasized in the selection of assessors:

When policyholders should find an assessor, it is appropriate to know that there are two major tariff organizations in our country. Both of these web sites where it is possible to locate the relevant appraisers with discretion experience.

It is not a requirement that the judgment man you choose is a member of one of these organizations, but it can be okay to contact them if you do not know of other relevant assessors who can take the assignment.

It is discussed whether there should be created an independent registry of assessors, but for now the proposal is loaded.

Expenses:

The parties assumed initially to bear the costs for the judgment man party selected. Other expenses, divided by parties with half each.

According to the working report (2012), a judgment incur costs of well over ten thousand crowns.

Requires company discretion in settling claims for insurance related to consumer can be useful to know that the company will offer to cover consumer costs associated with the assessment.

Lack of knowledge:

The Working Group believes that it is extremely important that the insured is receiving comprehensive and comprehensible information about discretion institute.

The working group believes the main problem of confidence in the discretion department just consists in the insured does not have sufficient understanding of the content and procedure of the scheme.

Many owners of new vehicles further insure them under the policy Hull. Apart from the fact that almost all the banks when issuing auto loans require the borrower to purchase additional insurance, such a policy will help in case of an accident to cover part of the cost of repairs. But what about the nuances silent insurers in the insurance contract?

In the first six months of 2014, the Federal Service for Insurance Supervision, which controls the activity of insurance companies, complained about 16000 people. Almost half of the complaints related to auto insurance. Unreasonable refusal to pay, reduction of the amount of compensation, delaying the timing - is the main, but not a complete list of violations of insurers.

How not to get in the number of those who are now forced to seek the assistance of officials? We examined the terms and conditions of insurance dozen major companies and to identify the provisions that might conceal a trick and that you should pay special attention to signing a contract with the insurer.

Many companies offer payment in installments of the policy. However, according to the rules of "Ingosstrakh", "AlfaStrakhovanie", "Renaissance Insurance", "Tsyurih.Riteyla" ROSNO and the Military-insurance company terminates the contract in case of delay in the payment of the next day.

"Rosgosstrakh-Stolitsa" admits the 10 days of delay, "RESO-Guarantee" - 15 "MSK-Standard" and "Uralsib" - 30 days. The "MSK-Standard" and "Uralsib" does not recognize the insurance cases that occurred during the delay of payment (which is slightly better than the termination of the contract: after making the money you do not have to re-call the evaluator, fill in the documents and so on. D.). A "RESO-Guarantee" on the contrary, will be fully responsible under the contract during this period. If payable in installments policy the insured event occurs, according to the rules of the majority of companies, the payment would be reduced by the amount not yet paid contributions.

Franchise is a part of the damage that the insurance company will not reimburse the customer. If, for example, the deductible - $ 500, all losses up to that amount the customer pays for itself. If the above - the difference is paid by the insurer. This franchise is most often used by domestic companies, called unconditional. Due to the small franchise insurers greatly reduce the flow of applications for payments, because most of the insurance cases - minor accident. Policy with a deductible cheaper, but its use can lead to additional complications.

The client, for example, directly on the place of accident should be able to accurately assess the damage that is difficult to do. If later it turns out that the price of repairs over the size of the franchise, and while you have already left the accident scene, is to require the insurer to pay the difference will not happen: no statement about the insurance case and protocol inspection of the car. There are other subtleties that if the insurance contract provides for the repair of the direction of the insurer, the company may ask the client (the rules of "Ingosstrakh") before the insurer to compensate the franchise. Only after that it will receive the corresponding direction.

The rules of the companies are many exceptions. Almost all insurers do not recognize the damage to the insured event the wheels not related to damage other machine elements. Usually non-refundable damage caused as a result of damage during normal operation of the vehicle.

Special article - fire. By definition, the insurers, in particular, "Tsyurih.Riteyla" is "burning because of external influence". Thus, if the car caught fire due to the wiring, the payment of damages in the majority of insurers do not see. Violation of fire safety rules, careless use of fire in the insured car - the reasons for the refusal. Under the careless handling of fire "Ingosstrakh", for example, understand the smoking in the cabin CAR.

A different look at the insurance company and the machines from harming animals: damage from accidents involving them is paid, and damage to vehicles, no pets in the accident are often excluded from coverage.

Pay special attention to this rule are: a hijacking insurers sometimes understand very different things. Criminal Code treats the theft as the taking vehicle without theft: someone took a car ride. The first two months of the police is the case of the theft, and then re-classified it in the theft. These subtleties worth remembering, learning the rules of insurance. If the insurer pays compensation only in the theft of a vehicle, it could mean a two-month delay in payment.

Therefore, payment periods for insurers can be different: ROSNO, for example, enough copies of the decision to institute criminal proceedings, to 10 days to pay the compensation. "Ingosstrakh" will pay for the completion of the preliminary investigation into the theft or theft (2-3 months).

Insurers in most cases, require documentary evidence of the damage with all sorts of references, ranging from certificates from the traffic police and ending with references disaster. At the conclusion of the contract, some companies offer customers trust them to collect all these documents.

Before you agree, you should study in detail the conditions for the provision of this service and try to collect feedback on how faithfully the company fulfills its obligations to collect documents. Often, because of the slowness of the insurer delayed the proceedings for payment.

Personal insurance is important to inform the prescribed rules and contract terms. Must immediately notify the company in any way possible and then for 3-10 days to submit a written statement on the insurance case. Failure to do so rules can be grounds for refusal to pay.

Indemnify, or motivated to refuse payment to the insurer shall, within a specified period "from the date of receipt of all necessary documents." This phrase allows for massive delays in payments. Companies often request additional documents in order to pull in the payment, "lose" has received documents. Therefore, it makes sense to require the client a written justification of additional requests and retain a copy of all documents sent with a note on their admission. In the case of conflict situation to prove their case will be easier.

Insurers are trying to assess the size of the payment based on the factory prices for parts. In their work they use specific directories and programs - Eurotax, Mitchell, Motor, Audatex. Why did receive payment for repairs is often not enough? Firstly, the real cost of spare parts can be higher. Second, the price used in the calculation of hours of service centers for the insurance company (wholesale distributor customers) may be lower than for private clients.

A common variant of damages - car repair services to those recommended by. This can mean a long wait and poor quality of repair: Car insurers are not in attracting customers. The best option - paying bills after the repair service center, car owners conducted at his own expense. But this method of compensation raises the price of the policy 15-25%.

How often ordinary motorist thinks, what he needed power of attorney for driving a car? No, that will tell his nearest traffic police post, if it suddenly does not submit. And in general: Why do I need this document, handwritten owner of the car? In most cases, does not think: we must - write and go. Demand - shall present. So it is accepted, there is something to think about. Well, at least it is not necessary to certify the notary.

And yet with the advent of this insurance document, by and large, I lost the last point. Who already had a little, especially after the advent of electronic databases in the traffic police, if the machine is not stated in the hijacking, then the driver drives it legally, and there is no reason to require more and authorization. So it is accepted throughout the world, but for us it is too much freedom: everyone must prove that he is not a camel, and the car is not stolen. With the advent of CTP to prove this in fact was enough policy: because it listed all the citizens who trust the owner of the car driving right.

So reasoned the two State Duma deputy from the LDPR, Igor Lebedev, and Sergei Ivanov, and wrote an amendment to the law on providing replacement power of attorney to manage vehicle insurance policy. It is not a general power of attorney shall be certified by a notary public and gives the right, including, sell the car, but only about power of attorney to manage. "The owner of the vehicle insurance contract specifies the persons allowed them to control the vehicle, that is, in fact, indicates the persons to whom he gives the right to use" - write the deputies in the explanatory note to the bill, and added that the responsibility for driving without policy above than for driving without a power of attorney: a fine of 300 dollars and 100 dollars, respectively. And why do we need an additional document, if the policy is written, that liability is insured, which means that the citizen has the right to control the car.

It would seem that everything is logical, but the government has written a negative review on the bill, and the Committee on Financial Markets of the State Duma on January 18 recommended the lower house of parliament to reject it on formal grounds: not one law deputies propose to make changes. The arguments of the government deeper. Firstly, the insurer is not the owner of the vehicle, and therefore can not confirm the powers of citizen management.

 Moreover, the Government considers that by approving the replacement of the power of attorney by the insurance policy, it will impose on insurers' non-core functions to verify the legality of the transfer of rights to use reason. " Based on the logic of the government, if it is no one checks written out the legitimacy of the power of attorney, the law inscribed in the insurance policy will have to check the names. Maybe this is the logic, but some are very bureaucratic, inaccessible to the ordinary citizen. For example, all the same law will replace the authorization policy or not, and their views on this issue they do not have. Indeed, the case of the insurer in this case - the party, he was not concerned citizen who trusts his car. In contrast to the government.

The impact the government's argument, however, is not even "uncharacteristic" burden on the insurance companies, and trailers that insurance policy is not allowed. If you replace the authorization policy, trailers will remain outside the law: to manage them will not be anyone other than the owner. What if someone wants to steal the trailer? What about law enforcement? Really it is necessary to punch numbers through the database? It's time-consuming, and is it possible to allow controlled trailer without a warrant? Well, what if there are documents - can they fake. So what that the hijacking of a trailer is not declared - you may have forgotten.

Another argument against the insurance policy replacement attorney - power of attorney indicated passport data and address registration and the owner of the car, and to whom he entrusted the management. This is extremely important in a country where at the entrance to any institution must present a passport.

Negative feedback on the bill says more than any error of Deputies or not they belong to the party. The government is not prepared to actually take the presumption of innocence: every citizen should first demand the authorities to prove that he is not a criminal, and did not steal anything. E-government in its utilitarian sense - as a large database - this is not an assistant: the burden of proof rests with each citizen, so he has to carry a pile of documents.

According to the All-Russian Insurance Association (ARIA), the share of payments in cases of fraud in 2014 amounted to about 20%. Try to figure out which is why the number of fraudulent appeals to insurers is growing, and consider whether the ordinary citizens themselves criminals?

Over the past ten years, insurers periodically reminisce about insurance fraud - trying to get insurance benefits by illegal means. Serious research scope of the problem was not, but the insurance company before the crisis assured that fraudsters gets 10-15% of all payments. It is about 30 billion rubles a year, if we take as a base compensation to individuals. And in 2014, it is estimated the All-Russian Insurance Association (ARIA), the share of payments in cases of fraud rose to 20%.

What does it mean and how the insurers, these figures are real? According to the BCC, of ​​all fraud cases only 5-7% is like a criminal "of the bases" - specially organized accidents. Such crimes are today quite easily expanded - insurers are sharing information about the participants of suspicious incidents and to quickly calculate the intruders. And what about the other 95%? This, according to insurers, domestic crooks. In fact - the ordinary Russian citizens, insured car or an apartment, and no accidents or arson are not satisfied with.

Imagine a typical situation: two cars collided, the drivers who have comprehensive insurance policies. You can wait for the traffic police, creating a traffic jam on the road during rush hour, and can be left for home the next day to issue an accident in the yard, pretending that the car damaged in the parking lot. Ask for car owners: so did almost every second. From the perspective of the insurer, it is a scam. And from the point of view of the motorist - all to be honest. The car is damaged in an accident, then the insurer must pay, but how it is executed - minor matters.

Another example. Banks are often forced to mortgage borrowers to insure the life and health. Eight people out of a hundred, are recognized as the security of insurance companies, with the questionnaire "forget" to indicate their chronic diseases. Serious illness can increase the cost of the policy is 20% - but why not save on imposed because apparently meaningless service?

Or here's another case that happened recently with my friends. Behind the wheel was the wife, and her name was not written in the policy. To get paid, they had to present the matter as if the wheel was the head of the family. And about different kinds of agreements with appraisers, which can increase the amount of payments, says almost every car owner, who was in an accident. No precise estimates, but security officials privately claim that at least 7 out of 10 drivers in such situations, go to the hoax.

Clients have something to say in his defense. Many companies in the early 2000s tried to understate the amount of damage, lousy service offered, pulling in payments for several months, if not disappeared from their offices. Until now, there are all sorts of insurance rules pitfalls, allowing no compensation for the damage. The procedure for registration of losses is still long and difficult. Have left their mark and the introduction of the 2013 insurance policies. Insurers could not cope with the settlement procedure and the cost of policies was well above expectations. And who in this case is a crook?

Therefore, customers do not hesitate called rogue insurers and consider: get the insurance company to pay - a holy cause, and any means are good here. And attempts to expose the cheating customers of companies perceived as yet another scam.

 

In order to somehow reduce the number of cheaters, insurers could go towards customers. To facilitate the procedure of registration of damage, remove the rule, some exceptions. Steps in this direction, of course, being made. For example, insurance for small accidents without injury since March 2014. You can claim without reference traffic police. However, in this case, the payment may not exceed 25000 rubles. This innovation, which car owners have received in exchange for an average 10 percent increase in tariffs on insurance, could significantly reduce the number of traffic jams on the roads, but actually does not work - the maximum amount of compensation for accidents, decorated without the participation of the traffic police, is too small.

The liberalization of the order of execution is not too fast - insurers it is absolutely not necessary. Cases of "consumer fraud" incorporated in the tariffs, pre-paid customers the opportunity to deceive the insurer. And he opened the deception, in no hurry to start criminal proceedings, preferring simply to convince the client to give up the money. And this kind of a social contract in which each of the parties to deceive others, in general, work. That's only operating costs and expenses for intermediaries are too high.

This year, the legislative and judicial authorities have finally put an end to disputes that are intended to compensate the insurers for insurance: the cost of repairing the vehicle , "innocent victim" in an accident, or the residual value of the damaged parts with regard to their wear and tear?

Presidium of the Supreme Arbitration Court of the Russian Federation explained (to dull judges and motorists requiring insurance companies full reparation for harm) that the size of the victim's recovery costs should be determined on the basis of the cost of bringing the damaged car in the operation, given the wear. 

Actually, all the controversy arose around this latest addition of wear. Earlier this interpretation formally contrary to the law of insurance and the Civil Code. But the law is corrected, and the conflict with the Civil Code has eliminated its explanation of the Presidium: now the account of wear and tear should be considered a "special rule in relation to the general rules of the Civil Code for damages." All legal and logical. Case closed.

But the trouble: the logic is different. Insurers have one - on what grounds the owner battered car in an accident victim must at their own expense to update the old parts? No, let pays out of pocket! Car owners have another line of thought - I was not going to change anything in your car, I really liked the shabby, with traces of rust, rear wing, which had entered into. So why do I suddenly have to shell out when responsibility "who has entered" was insured? No, let the insurer will pay for all, or - if you will - to put the wing with the same share of wear and tear ...

Both approaches have their place. The question is on whose side the law and authority. Recently, they took the side of the insurance business. However, and for the benefit of motorists it made several clarifications. For example, given that the wear may not exceed 80% (and thanks for that, though 20% of the parts may be claimed from the insurer). It was also noted that the insurer shall indemnify the replacement elements completely eliminates damage. That is, if the proverbial wing was attached in any kind of one-off rivets or bracket, you need to replace them as well. Also, do not wear should be considered components and assemblies, a fault which prohibits the operation of the vehicle. The exact list of them yet, but here is theoretically possible to carry quite a wide range of parts from the braking and steering systems to the lighting equipment .

All points above the i, seemingly apart, but disputes over insurance continues. The fact that there is still no single methodology for calculating the wear and tear of vehicles - it must be developed by the government. It thinks about it, but so far has not responded to all the questions. And that has already established, it is quite contentious. For example, one of the main factors influencing the timing of depreciation, it is proposed to consider the country of origin of the car. The most durable recognized as "Japanese", followed by "Europeans." And all the cars produced in Russia - including the "Ford" and "Toyota" - set to last place.Where is the justice, not to mention patriotism?

However, concern about the national insurance business - is also patriotism. And I must say it, we have achieved good results. The paradox, but in times of crisis insurance was the main "growth point" of the insurance market. According to statistics market insurance grew in the first quarter of 2015 by 13.5% compared to the same period last year (18,8 billion). This was the highest rate of growth in almost two years.

What had caused this growth? Motor Insurers surveyed recently RIA "Novosti", give different answers. Some argue that it resumed growth in sales of new cars, of course, be insured. But if it was only this, it would grow and the market hull. He sank, as well as other types of property insurance. So, it is not in sales. Obviously, a more detailed answer is given by representatives of "Ingosstrakh" and "Rosgosstrakh": they believe that the real reason for the growth of insurance market was the new multiplying factors to tariffs, which were introduced in March last year. 

It was then raised territorial surcharges, interest on age and length of service, as well as allowance for the conclusion of the contract, without limiting the number of persons admitted to management. Accordingly, these developments have led to a gradual increase in fees the insurers, which was reflected in the statistics by the middle of the year. Indeed, if in the first quarter of 2014 insurance market fell by 3.1% already in the first half rose by 1.7% in the first three quarters - by 5.4% and for the year - 6, 6%. The first quarter of this year was the peak, since it is compared with the last period before raising rates.

Needless to say, the markets are "mandatory services" stimulate not hard enough to oblige citizens to pay more. However, in the future - and it is recognized by insurers - the growth of insurance premiums has slowed down in 2015, it amounted to 5% - 7%. This means that the effect of last year's increase in tariffs is completed, and the Russian insurance market may lose the main point of growth. Now all hope that will start a real recovery: without it, the main types of property insurance will not grow. However, it is possible that the government experiments with the procedure for calculating depreciation of cars again stimulate growth in the sector of car insurance - car owners will be less rely on compensation for insurance and will actively enter into contracts Hull.

Rates for insurance may rise by 50%. Increasing the value of the policy is associated with a threefold increase in limits payments for damage to life and health and property.

The Ministry of Finance sent the government a new version of the bill on insurance, reported yesterday Vera Balakirev. According to the new version of the project, the limit payments to victims in the accident for damage to health will be 500 thousand. Rub. instead of the current 160 thousand. Limit of payments on property damage of 400 ths. rub. (Now - 120 thousand. Rub.).

As described by Ms. Balakirev, in the case of adoption of the law on compulsory motor TPL insurance rates could rise by 50%, reports Prime-TASS (now the base rate is 1,980 rubles.), While at the same time, she also said that the Ministry of Finance is ready to consider raising the tariff by 20 -30%. Terms adoption of the law is not yet known, said yesterday Ms. Balakirev. In February, the head of Rostekhnadzor Alexander Koval said that the tariffs for compulsory motor insurance is necessary to increase this year.

Increasing the limits will be a half-step, the head of Center for Strategic Studies "Rosgosstrakh" Alex Barb. According to him, the insurance companies may face increasing loss, despite the increase in rates for insurance policies. "The increase in losses can be associated with the new order of payments on health. If before the insurers pay the costs of the victims, in the future it will be necessary to carry out the payment upon receipt of damage, "- says Mr. Jag.

Deputy General Director of "AlfaStrakhovanie" Alexander Gorin agree that the loss ratio in the insurance market can grow. "If there is a major accident, and the culprit is detrimental to ten machines currently limit payments on the property - 120 ths. Rub. for everyone. This level will rise to 400 thousand. Rub. for each victim, "- said Mr. Gorin. He also believes that the difficulties may arise with the new order of compensation for damage to health. "In England, the payment is also carried out on the fact of injury. There are cases of fraud when the alleged victims bring a fake certificate of damage, "- said Alexander Gorin.

Day today suggests that stand on a par with major employers and proudly call myself a businessman just incredibly difficult. All areas of profitable operations have long been captured. Need to invest is not small money, get insanely huge number of different kinds of certificates, to issue mandatory for the selected type of activity documentation. In the next step: the selection of professional staff, search and registration office space. And even if all this and be able to properly do, it remains perhaps the most important point to develop your business can not everyone.

Today is guaranteed to have a successful business is extremely difficult, the slightest omission or neglect of some trifles and the risk of losing nearly that well-functioning business grows exponentially. Is it possible to find the optimal solution for creating your own business on the criterion of "guaranteed reliability - lowest costs on - the maximum profit"? Current opinion: - This is fantastic! It just can not be, as there can be no such business - criterion.

Do not forget we live in Stunning World, the smart, enterprising and highly talented people and the fact that for many seems fantastic, we often - everyday reality.

So this time, it offers even more simple, however, advanced, cost-effective and highly relevant idea of ​​creating your own full and profitable business to create its own as an "insurance company".

Well, that's somehow become attached to the soul Sergey large and small outlets gastronomic orientation. And one day, replenishing goods in one of its profitable stores of five baskets, he became a witness impartial communication between the buyer and the furious the store owner. Buyer required to return the money for a loaf of sausage, which he brought from home after shopping in this store. From his point of view, the product was defective. From an administrator's perspective - everything was in order.

When the dust settled, Sergei talked with sellers, and then the administrator and found that for certain types of food such cases is quite commonplace and occur with surprising regularity. Any store has a fund to cover the cost of paper spoilage, but "sometimes" these products in the shopping cart yet fall. So was born his idea to create their own insurance company "Apple".

The essence of the idea is very simple, more importantly, do not be greedy! He agreed with a number of food stalls, and then a large grocery stores that all risks in cases of low-quality products customers return to his insurance company incurs. For this shopkeeper contract with them, places in the store advertising products his insurance company, and cashiers to everyone insure their purchase offer plastic cards with the logo of the company, physical address and phone number. But a prerequisite for such insurance is premium products purchased by exactly 1 ruble. Who would think - nothing, but it is not so. Average store serves between 1,000 and 3,000 thousand customers a day, let half of them, and - this is the case, take advantage of this service insurance, because the ruble is not a pity, daily profit from one of the store will average 2,000 rubles, or about 60,000 rubles a month. For example, in the supermarket, which is now visible in the window of our office, a day is up to 10-15 thousand people will agree - this is a big business.

Insurance business enjoyed a "frenzied" popular - is one of the modern services, which is already on the first day of the opening ensures you stream of regular customers. Transfers to your account, with a minimum of your effort will come every day.


If you are interested in opening a personal insurance business, be sure to check with a free video course from Sergei Semenov:

                       "OPEN YOUR INSURANCE COMPANY PRODUCTS".


Sergei popular in detail and objectively describe a phased plan of action for your discovery of the insurance business. The license for this activity, instructions, examples of contracts with the administration of stores, plans and materials advertising companies are also presented free of charge. In fact, you will get their hands on almost finished turnkey business system, and with her financial independence and stability.

Be of good cheer, prosperity, luck and success!

PS Again, what's the catch, and where is the self-interest? What kind of altruism is giving away right and left is not just an idea, but just did ready-made business? Have you tried yourself to issue, for example, the license for any type of activity? Immediately say: - Sorry, hemorrhoids still that. But Sergei and her, and virtually all other documents simultaneously, and presents you with a gift. That is, your insurance company initially will be like a branch, and you business - partner.