Page 24 - InsuranceJournal104

‹˜¤‚Šoˆš†


d
²£›­‡™Á¥°›£²š›£²¡²£Âˆ£££¡£–
±
„“°££¡²£›£°±™ ±¢¢²™¢™•l ”¢
Š¡£¡ª´™Ä«¡¢²™¢™•l ›£°ª²™„§²¡£h§¡¡·­±š
­‡š±‡„±š²£•³£§ˆ ˜£ˆ±‡«§±”ª¡¸—£›£²²£
¹
ˆ±”­š£¡À£·È­‡ m²£›d­‡±™Á¥°›£²š›£²¡²£
ˆ£££¡£–¢™•lÁ¥°£–ˆ±£¢²™¢™•ln Àž·È­À›s™
Á™§—²‡Ã™²£›d­‡±™²£‰i­‰¥›£°±™ ±¢ À¡·È­
¹
§±™¨¸£l—µÈ ±™¢²¢™ “ „h²¢¥Àª·­
£´¡‚­šŸd² À¡·­‡Âš£²“ ˆ±‡«§±”ª¡¸—£›£²²£

&GGJDJFOU .PUPS $MBJNT .BOBHFFOU 3FEVDJOH
$MBJNT BOE 3FQBJS $PTUT
„“°££¡²£›£°±™ ±¢¢²™¢™•l £h§¡±šš£´©±—
5IBUDIBN ˆ±”ª±¡¡™² À£·È­‡ m&GGJDJFOU .PUPS $MBJNT
.BOBHFNFOU 3FEVDJOH $MBJNT BOE 3FQBJS $PTUTn Àž·È­
¹
ëiœiš£´«²£Á¥°œiˆ±”²£c²¢ª´™Ä«¡£–¢™•l‚­‡š£´©±—›£°±™ ±¢£±š—£²š‚i­¡¥
¹
¹
£²¢¥°À­µ¢”ÀµÈ¢§±š§´§±’™²²£•h²‡Æ ‚­‡²£ž±’™²£°šš²£‹h­¡£–¢™•l £§¡—±É‡²£
ˆ±”²£„h²ª´™Ä«¡—”Á—™ª³«£±š²£›£°±™ ±¢£–¢™•l À¡·È­§±™—µÈ •¸¥²„¡ “
£‡Á£¡•§±™™² £²¡²”² £¸‡À—ž¯

±
´
µ
±
•­™£š­™Â”™À‹¢ ”‡²™›£°™ ¢£–‚­‡Ä—¢
i
±
¹
µ
™²¢™ž”¥ ª±™•´ ²£“l ›£°˜²™„“°££¡²£ ²£š£«²£Á¥°ˆ”²£
±
´
›£°±™ ±¢¢²™¢™•l ª¡²„¡›£°±™§´™²¨ ±¢ £±š¡­š ‡²™•£§ˆª­š­š•À«•
´
¸
±
¸

‚­‡—µÈ£°¥¶ˆ² .S /BTTFS +B GBS 4FGG )FBE PG
%JWJTJPO 15 +BTB 3BIBSKB 1FSTFSP *OEPOFTJB Ù­²ª „“°££¡²£›£°±™ ±¢¢²™¢™•l”¢Š¡£¡ª´™Ä«¡¢²™¢™•l

¡²¨¶©²”¹‡²™ÀµÈ¢§±š²£”³À™´™‡²™”i²™²£›£°±™ ±¢ £h§¡±šŠ¡£¡™±Ž«¡²¢›£°±™ ±¢¢²™¢™•l ˆ±”²£­š£¡À£·È­‡
£– ²„š±‡„±š‚­‡›£°À—¨Ä—¢ ”¢¡µ ™²¢­²™™—l §±‡§ª¸ m²£š£´«²£Á¥°ˆ±”²£‡²™•£§ˆª­š­¸š±•´À«•¸n £¸h™—µÈ Àž·È­Ã«i„§²¡£i ¹
À¥‚²˜´²£ª¡²„¡¯ £h§¡Ã«i²£•i­™£±š À¡·È­§±™—µÈ „§²¡À‚i²ÃˆÀµÈ¢§±š¥±©“°²£À´”­¸š±•´À«•¸Ã™¥±©“°•h²‡Æ «¥±
±™¢²¢™ “ «i­‡›£°Š¸¡Š±É™ ª¡²„¡›£°±™ ª³„±Ã™²£•£§ˆª­š­¸š±•´À«•¸ £§¡–¶‡Ž«¡²¢—µÈÀµÈ¢§‚i­‡ À¡·È­§±™—µÈ
§´™²¨ ±¢ •¸¥²„¡ “ £‡Á£¡Àˆi²ž£°¢² ›²£l„ £¸‡À—ž¯
±
ˆ”Á‚‡‚™š²ªÀ•š­¥›£°™ ¢
±
±
h
±
ªÂ¡ª£ª¡²Š´›£°±™ ±¢ ˆ±”Á‚h‡‚±™š²ªÀ•š­¥›£°±™ ±¢
›£°À ——µ¡Š²¢ Á¥°›£°À ——µ¡«´‡ „£±É‡—µÈ À¡·È­§±™—µÈ
•¸¥²„¡ “ ª™²¡µ¬²¡«²§´—¢²¥±¢ £²Š ±ˆ±™—£À©¡ –™™
£±Š”² ´À© £¸‡À—ž¯ œ¥²£Á‚h‡‚±™›£²§h² š£´©±— £¸‡À—ž
›£°±™ ±¢ ˆ³±” ¡«²Š™ Š™°À¥´¨›£°À ——µ¡Š²¢ Á¥° š£´©±—
ªh‡Àª£´¡›£°±™ ±¢ ˆ³±” Š™°À¥´¨›£°À ——µ¡«´‡
24 ITELTE=ER$;BD
S
S
$E$0T'C ª $;DTD; ¯²²¯
S