When I was, younger, my mother used ripermi ... "study study study that opens the mind"
Then the meaning of that phrase, it is understood that the great that I considered in effect a real reminder from my mother's application school everyday.
But this sentence slowly over time he found his true understanding and purpose, becoming in fact a way of life. The firm intended to know as well as key to understanding the things of the world.
I just made this premise, it is better to mark that in this very delicate and difficult time that our class is going through, absolutely must open their minds to this epochal change.
Of everything I've had certainty and confirmation on 3 and 4 October in Milan during the forum organized by the Insurance Distribution and Provides Corporate Bank.
very interesting was the talk show, led by Maria Rosa stands above started with the help of Dr. Claudio Cacciamani (Cineas) who managed to make a comprehensive and accurate picture of the economic dell'internedario.
sieved, first, on the plans of macro and micro economics of insurance companies, which base their business plans (which lasts equal to the duration of their ad) mainly on three points 1) the merger process, 2) strategy (return to life insurance), and 3) governance. All
to result in more reddività . In contrast the
intermedario, while the coating legally as an entrepreneur, certainly can not apply an economy of scale (the relationship between the increase in scale of production and decrease the average unit cost of production) illuminating the audience with an example striking "a third party not conducting the negotiations with client groups (three or four customers at once) but unfortunately for selling a policy should address sigolarmente one by one. As well as the impact of current legislation: direct compensation, liability arising from Regulation Isvap, training requirements have meant that the costs levitate inexorably. To close the Bersani Bis and the ban on multi-year policies that actually issued shall have crumbled the foundation on which the economy was sustained by an agency that the commission and proclamation, thereby seriously jeopardizing the income of each party is, it , small and large.
The following are present:
- Dr. Ania Verdone with the usual sauce, no plurimandato against everything and everyone.
- Mr Elio Pugliese (UEA) initially ripercoso all stages in the evolution of the intermediary agent, broker, banks, post offices, placing the figures in a European market. Then in a second operation was able to be more pungent on steps such as conflict of interest that hangs over Fabio Cercone Ania president and also president of a bank.
-Dr Paparella (Aiba) which outlined a different professionalism between the agent and the broker as a representative of a brand the other as a representative of the customer.
- Mrs. Mara Colla (Confconsumatori), which has greatly appreciated all Normart on transparency and standards of conduct for intermediaries, the new rules of Bis Bersani, expressing some doubts about plurimandato which in fact is not used by companies.
-Dr. Mauro Tamagnone (AIPA) represented the association Primary branches of experts explains how the loss is to all intents and purposes the check time to the customer and perzo seen not as a cost but as an investment but as most of the time it takes customers to a greater reflection of sensibilazzione ' insurance needs. A
segiure in the afternoon panel discussion was held among intermediaries: rapprentati represented unions and business groups (single and multi)
... but I'll tell the next episode ... for now I wish you Goodnight and pleasant dreams.
What do we really need.
Angela Occhipinti
