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Exeter Friendly Society
Exeter Friendly Society (which since 2015 has traded as The Exeter) is a British friendly society offering a range of insurance products including Income Protection Insurance, Private Medical Insurance, Cashplans and Life Insurance. They are one of the United Kingdom's largest friendly societies with over 90,000 members and more than 100 employees. History The Exeter was established in 1927 and is to this day based in the city of Exeter, Devon. It originally traded under the name Exeter Family Friendly Society. In 2008, Exeter Family Friendly Society and Pioneer friendly society completed a merger, with Exeter Family Friendly becoming the trading name of the new merged organization. In 2015 a re-branding was completed, with the society now known simply as The Exeter. Later in 2015, The Exeter acquired a portfolio of individual and corporate cash plan schemes from Engage Mutual Health, extending their range of products which had previously been limited to Private Medical Ins ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Mutual Insurance
A mutual insurance company is an insurance company owned entirely by its policyholders. Any profits earned by a mutual insurance company are either retained within the company or rebated to policyholders in the form of dividend distributions or reduced future premiums. In contrast, a stock insurance company is owned by investors who have purchased company stock; any profits generated by a stock insurance company are distributed to the investors without necessarily benefiting the policyholders. History The concept of mutual insurance originated in England in the late 17th century to cover losses due to fire. The mutual/casualty insurance industry began in the United States in 1752 when Benjamin Franklin established the Philadelphia Contributionship for the Insurance of Houses From Loss by Fire. Mutual property/casualty insurance companies exist now in nearly every country around the globe. The global trade association for the industry, the International Cooperative and Mutual ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Exeter
Exeter () is a city in Devon, South West England. It is situated on the River Exe, approximately northeast of Plymouth and southwest of Bristol. In Roman Britain, Exeter was established as the base of Legio II Augusta under the personal command of Vespasian. Exeter became a religious centre in the Middle Ages. Exeter Cathedral, founded in the mid 11th century, became Anglican in the 16th-century English Reformation. Exeter became an affluent centre for the wool trade, although by the First World War the city was in decline. After the Second World War, much of the city centre was rebuilt and is now a centre for education, business and tourism in Devon and Cornwall. It is home to two of the constituent campuses of the University of Exeter: Streatham and St Luke's. The administrative area of Exeter has the status of a non-metropolitan district under the administration of the County Council. It is the county town of Devon and home to the headquarters of Devon County C ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Devon
Devon ( , historically known as Devonshire , ) is a ceremonial and non-metropolitan county in South West England. The most populous settlement in Devon is the city of Plymouth, followed by Devon's county town, the city of Exeter. Devon is a coastal county with cliffs and sandy beaches. Home to the largest open space in southern England, Dartmoor (), the county is predominately rural and has a relatively low population density for an English county. The county is bordered by Somerset to the north east, Dorset to the east, and Cornwall to the west. The county is split into the non-metropolitan districts of East Devon, Mid Devon, North Devon, South Hams, Teignbridge, Torridge, West Devon, Exeter, and the unitary authority areas of Plymouth, and Torbay. Combined as a ceremonial county, Devon's area is and its population is about 1.2 million. Devon derives its name from Dumnonia (the shift from ''m'' to ''v'' is a typical Celtic consonant shift). During ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
England
England is a country that is part of the United Kingdom. It shares land borders with Wales to its west and Scotland to its north. The Irish Sea lies northwest and the Celtic Sea to the southwest. It is separated from continental Europe by the North Sea to the east and the English Channel to the south. The country covers five-eighths of the island of Great Britain, which lies in the North Atlantic, and includes over 100 smaller islands, such as the Isles of Scilly and the Isle of Wight. The area now called England was first inhabited by modern humans during the Upper Paleolithic period, but takes its name from the Angles, a Germanic tribe deriving its name from the Anglia peninsula, who settled during the 5th and 6th centuries. England became a unified state in the 10th century and has had a significant cultural and legal impact on the wider world since the Age of Discovery, which began during the 15th century. The English language, the Anglican Church, and Eng ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Health Insurance
Health insurance or medical insurance (also known as medical aid in South Africa) is a type of insurance that covers the whole or a part of the risk of a person incurring medical expenses. As with other types of insurance, risk is shared among many individuals. By estimating the overall risk of health risk and health system expenses over the risk pool, an insurer can develop a routine finance structure, such as a monthly premium or payroll tax, to provide the money to pay for the health care benefits specified in the insurance agreement. The benefit is administered by a central organization, such as a government agency, private business, or not-for-profit entity. According to the Health Insurance Association of America, health insurance is defined as "coverage that provides for the payments of benefits as a result of sickness or injury. It includes insurance for losses from accident, medical expense, disability, or accidental death and dismemberment". Background A heal ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Income Protection Insurance
Income Protection Insurance (IPI) is an insurance policy, available principally in Australia, Ireland, New Zealand, South Africa, and the United Kingdom, paying benefits to policyholders who are incapacitated and hence unable to work due to illness or accident. IPI policies were formerly called ''Permanent Health Insurance'' (PHI). The same concept is instantiated in the United States as disability income insurance (disability insurance). A study by British insurer Legal & General Legal & General Group plc, commonly known as Legal & General, is a British multinational financial services and asset management company headquartered in London, England. Its products and services include investment management, lifetime mortg ..., entitled Deadline to the Breadline Report 2014, found that only 8% of UK households have income protection insurance. Further work to bring the topic into the public domain appears in the 7 Families project. References {{Insurance Personal finance ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Life Insurance
Life insurance (or life assurance, especially in the Commonwealth of Nations) is a contract between an insurance policy holder and an insurer or assurer, where the insurer promises to pay a designated beneficiary a sum of money upon the death of an insured person (often the policyholder). Depending on the contract, other events such as terminal illness or critical illness can also trigger payment. The policyholder typically pays a premium, either regularly or as one lump sum. The benefits may include other expenses, such as funeral expenses. Life policies are legal contracts and the terms of each contract describe the limitations of the insured events. Often, specific exclusions written into the contract limit the liability of the insurer; common examples include claims relating to suicide, fraud, war, riot, and civil commotion. Difficulties may arise where an event is not clearly defined, for example, the insured knowingly incurred a risk by consenting to an experimental ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Friendly Society
A friendly society (sometimes called a benefit society, mutual aid society, benevolent society, fraternal organization or ROSCA) is a mutual association for the purposes of insurance, pensions, savings or cooperative banking. It is a mutual organization or benefit society composed of a body of people who join together for a common financial or social purpose. Before modern insurance and the welfare state, friendly societies provided financial and social services to individuals, often according to their religious, political, or trade affiliations. These societies are still widespread in many parts of the developing world, where they are referred to as ROSCAs (rotating savings and credit associations), ASCAs (accumulating savings and credit associations), burial societies, chit funds, etc. Character Before the development of large-scale government and employer health insurance and other financial services, friendly societies played an important part in many people's lives. ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Mergers And Acquisitions
Mergers and acquisitions (M&A) are business transactions in which the ownership of Company, companies, other business organizations, or their operating units are transferred to or Consolidation (business), consolidated with another company or business organization. As an aspect of strategic management, M&A can allow enterprises to grow or Layoff, downsize, and change the nature of their business or competitive position. Technically, a is a legal consolidation of two business entities into one, whereas an occurs when one entity takes ownership of another entity's share capital, equity (finance), equity interests or assets. A deal may be euphemism, euphemistically called a ''merger of equals'' if both Chief executive officer, CEOs agree that joining together is in the best interest of both of their companies. From a legal and financial point of view, both mergers and acquisitions generally result in the consolidation of assets and Liability (financial accounting), liabilities un ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Type 2 Diabetes
Type 2 diabetes, formerly known as adult-onset diabetes, is a form of diabetes mellitus that is characterized by high blood sugar, insulin resistance, and relative lack of insulin. Common symptoms include increased thirst, frequent urination, and unexplained weight loss. Symptoms may also include increased hunger, feeling tired, and sores that do not heal. Often symptoms come on slowly. Long-term complications from high blood sugar include heart disease, strokes, diabetic retinopathy which can result in blindness, kidney failure, and poor blood flow in the limbs which may lead to amputations. The sudden onset of hyperosmolar hyperglycemic state may occur; however, ketoacidosis is uncommon. Type 2 diabetes primarily occurs as a result of obesity and lack of exercise. Some people are genetically more at risk than others. Type 2 diabetes makes up about 90% of cases of diabetes, with the other 10% due primarily to type 1 diabetes and gestational diabetes. In ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Body Mass Index
Body mass index (BMI) is a value derived from the mass (weight) and height of a person. The BMI is defined as the body mass divided by the square of the body height, and is expressed in units of kg/m2, resulting from mass in kilograms and height in metres. The BMI may be determined using a table or chart which displays BMI as a function of mass and height using contour lines or colours for different BMI categories, and which may use other units of measurement (converted to metric units for the calculation). The BMI is a convenient rule of thumb used to broadly categorize a person as ''underweight'', ''normal weight'', ''overweight'', or ''obese'' based on tissue mass (muscle, fat, and bone) and height. Major adult BMI classifications are underweight (under 18.5 kg/m2), normal weight (18.5 to 24.9), overweight (25 to 29.9), and obese (30 or more). When used to predict an individual's health, rather than as a statistical measurement for groups, the BMI has limitations ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
Just Group Plc
Just Group plc, formerly JRP Group plc and, before that, Just Retirement Group plc, is a British company specialising in retirement products and services headquartered in Reigate, Surrey. It is listed on the London Stock Exchange and is a constituent of the FTSE 250 Index. History The company, which was established as Just Retirement in 2004, was listed on the Alternative Investment Market until it was bought out by Permira in 2009. It launched a fixed-term product that links with enhanced annuity rates in 2011 and then set up a pensions de-risking arm in 2012. It went on to join the long term care market and to offer individually underwritten annuities in 2013. The company was the subject of an initial public offering An initial public offering (IPO) or stock launch is a public offering in which shares of a company are sold to institutional investors and usually also to retail (individual) investors. An IPO is typically underwritten by one or more investme ... in Novemb ... [...More Info...] [...Related Items...] OR: [Wikipedia] [Google] [Baidu] |
