In the early sixties last century, was sent a staff member in the "Brodinchal" working in the headquarters of the company, which had a time in London, Louis Rolf as part of the training program, to conduct surveys about the quality of life experienced by the agents, from section to section, the insurance company Medlanz in the East.
Rolf spent a week traveling in the streets with the so-called "men of the Pro" (a reference to the name of the company) Men from the pru, and they receive premiums in Sheffield, at that time Britain was still a dominant industry, and for the families of the working class crowds was synonymous with sales of men to provide for expenses such as funeral service.
Rolf remember: This is why it must be a friend of the family of the agent, if customers need any advice outside the areas in which they operate, this is the side which provide assistance.
If they need a lawyer, for example, in the light of his contacts within the business sector, may be able to submit a proposal in this regard, the issue was almost like a roving office advised citizens.
But with the transformation of Britain's economy to a service, I discovered life insurance companies, such as "Brodinchal" it will not be able to continue relying on these relationships, such as warm and comfortable.
Currently facing a harsh new world, where the stained reputation, and the traditional role of the challenge facing the competitors a more active and less movement.
The model of work, which since the demise of the role of direct sales groups, depends to a large extent on the payment of money to pay brokers for the sale of Boualsa, is exposed to an attack by the oversight bodies and management.
It is expected to provide the Financial Services Authority FSA's proposals this week could push the industry away from this practice.
The mafia life insurance companies means a great deal for the British stock market to the extent the same shareholders and decision makers.
In the presence of one trillion and 200 billion pounds under management, it controls nearly a fifth of the shares traded on the London Stock Exchange.
With the colorful history and access to a mature domestic market, even if still in the process of growth, the life insurance companies of British, it must be the dominant industry.
But for the past 20 years, the nations of continental Europe is produced by the "heroes of securing" the nationalists such as Axa of France, Allianz of Germany, and "Dzali" Italian.
"Aviva" the largest British insurance company by market value, is the sixth-largest insurance company in Europe, not even among the top ten insurance companies in the world.
And Henry de Castrier says Chief Executive Officer of AXA without equivocation, that the life insurance companies, "shot on their feet" through mismanagement and the wrong selling, providing an opportunity for competitors from overseas for the robbery of their clients.
The roots of the crisis life insurance companies, to the demise of the so-called with-profit policies. For decades, the products of these complex and vague, they represent the true backbone of the life insurance sector in Britain, which promotes the return on investment for the bondholders, through the set aside a portion of the proceeds in support of good policies, when performance is weak.
In times of high inflation and the massive capital markets, with the funds they were invested in equities, made profits rewarding, but with the decline in inflation and the three consecutive years from the collapse of stock markets between 2000 and 2003, the proceeds of the policy less, also fell, with the sales policies of profit decline considerably.
Also, the confidence in the life insurance industry shaken, as a result of a series of scandals Sale wrong, and the crisis of the "Ekthbl Live" in 2000, which led to the loss of more than one million policy-holders the value of billions of pounds sterling, when it reached the cooperative insurance companies to the brink of collapse.
In response, it has stepped up oversight bodies to supervise the actions of industry. According to de Castrier: the vicious circle of selling scandals that have followed the wrong procedure in excess of the necessary oversight, led to the development of which the margins are in the United Kingdom, structurally lower than the rest of the world.
But with the fight against life insurance companies to save its reputation and cope with the reactions of the oversight bodies, there were other changes to arise, as the developments that have taken place in the markets of the United Kingdom and Australia, has managed systems at the present time savers to invest in the long term, to provide for retirement without recourse to the insurance departments of life.
And through these systems, known as "platforms" that can put individuals or their money in the thousands of investment funds in ways that ensure the efficiency of taxation. This represents a challenge to the traditional role of insurance companies on life, which revolves around an automated packaging elements in the form of long-term savings or retirement product.
When it comes to the provision of investment funds through these systems, there is little to distinguish between life insurance companies and other managers to Moain savings.
The Kazlet Nair, analyst with independent life insurance: If the life insurance companies think they are entitled to because of this historical work, it is wrong.
There is one option, which is to manage life insurance companies for the platform, and is at the forefront of this system, "Standard Dlaev" the former cooperative insurance company, says Trevor Matthews, head of retail at the British "Standard Life" I believe that this platform is the solution.
And others may adhere to the area and one which is constantly doing good for the life insurance companies, which is death (death).
Of course, its called the life insurance because the neighborhood is no doubt continue to die. And insurance companies still have the competitive advantage when it comes to managing the likelihood of death of people, known Balphenaiip.
This means that it is in a good position to make policies that pay money, in the case of the death of an individual to a specific time period.
And still other financial services institutions like insurance companies to catch up, when it comes to the management of seniority - the risk that people live longer.
This is an issue in the provision of mandatory annual installments - is committed to contracts pay holders of the policy, the income until his death. With the increase in life expectancy, this experience will be invaluable in full.
The other option is to waive the United Kingdom in full, and to focus on life insurance markets and overseas, which has some of the fastest growth rates and tax systems and environments and a stable legal order.
Faces "Brodnchal" pressure from some investors to sell or re-integration of the British arm of life insurance and, therefore, lawmakers left the door for the separation of the future.
One of the ways in which life insurance companies in the United Kingdom for the competition, is to provide pre-paid huge kickbacks to brokers in exchange for marketing their products.
However, this practice of the place of the attack by the oversight bodies, on the grounds that they lead to the erosion of vessel capital of insurance companies, and can be detrimental to customers.
FSA tests are on the way in which the distribution of retail investments, including long-term savings and pensions.
Proposal could result in the industry away from commissions paid in advance, will lead to more impulse.
But while that might be the "man of the Pro" MAN FROM THE PRU and his family in a steady decline, the life insurance companies, the British - either through the size or because of autism - are not likely to disappear any time soon.
Neil believes Bndov, a partner with LEK Consulting, who derive income life insurance companies in the past, the British, I mean that it is facing a "progressive ever."
According to the analyst Roman Syazdin "Aurel Skyotiz," he remembers talking with the investor in approximately 1980. Was very enthusiastic, because the stock broker, an expert told him that the insurance market life insurance in the United Kingdom, will become the market such as the United States, which led all of the cooperative insurance funds, and life insurance industry to extinction.
This was at the beginning of eighties, there was no such thing so far.
Rolf spent a week traveling in the streets with the so-called "men of the Pro" (a reference to the name of the company) Men from the pru, and they receive premiums in Sheffield, at that time Britain was still a dominant industry, and for the families of the working class crowds was synonymous with sales of men to provide for expenses such as funeral service.
Rolf remember: This is why it must be a friend of the family of the agent, if customers need any advice outside the areas in which they operate, this is the side which provide assistance.
If they need a lawyer, for example, in the light of his contacts within the business sector, may be able to submit a proposal in this regard, the issue was almost like a roving office advised citizens.
But with the transformation of Britain's economy to a service, I discovered life insurance companies, such as "Brodinchal" it will not be able to continue relying on these relationships, such as warm and comfortable.
Currently facing a harsh new world, where the stained reputation, and the traditional role of the challenge facing the competitors a more active and less movement.
The model of work, which since the demise of the role of direct sales groups, depends to a large extent on the payment of money to pay brokers for the sale of Boualsa, is exposed to an attack by the oversight bodies and management.
It is expected to provide the Financial Services Authority FSA's proposals this week could push the industry away from this practice.
The mafia life insurance companies means a great deal for the British stock market to the extent the same shareholders and decision makers.
In the presence of one trillion and 200 billion pounds under management, it controls nearly a fifth of the shares traded on the London Stock Exchange.
With the colorful history and access to a mature domestic market, even if still in the process of growth, the life insurance companies of British, it must be the dominant industry.
But for the past 20 years, the nations of continental Europe is produced by the "heroes of securing" the nationalists such as Axa of France, Allianz of Germany, and "Dzali" Italian.
"Aviva" the largest British insurance company by market value, is the sixth-largest insurance company in Europe, not even among the top ten insurance companies in the world.
And Henry de Castrier says Chief Executive Officer of AXA without equivocation, that the life insurance companies, "shot on their feet" through mismanagement and the wrong selling, providing an opportunity for competitors from overseas for the robbery of their clients.
The roots of the crisis life insurance companies, to the demise of the so-called with-profit policies. For decades, the products of these complex and vague, they represent the true backbone of the life insurance sector in Britain, which promotes the return on investment for the bondholders, through the set aside a portion of the proceeds in support of good policies, when performance is weak.
In times of high inflation and the massive capital markets, with the funds they were invested in equities, made profits rewarding, but with the decline in inflation and the three consecutive years from the collapse of stock markets between 2000 and 2003, the proceeds of the policy less, also fell, with the sales policies of profit decline considerably.
Also, the confidence in the life insurance industry shaken, as a result of a series of scandals Sale wrong, and the crisis of the "Ekthbl Live" in 2000, which led to the loss of more than one million policy-holders the value of billions of pounds sterling, when it reached the cooperative insurance companies to the brink of collapse.
In response, it has stepped up oversight bodies to supervise the actions of industry. According to de Castrier: the vicious circle of selling scandals that have followed the wrong procedure in excess of the necessary oversight, led to the development of which the margins are in the United Kingdom, structurally lower than the rest of the world.
But with the fight against life insurance companies to save its reputation and cope with the reactions of the oversight bodies, there were other changes to arise, as the developments that have taken place in the markets of the United Kingdom and Australia, has managed systems at the present time savers to invest in the long term, to provide for retirement without recourse to the insurance departments of life.
And through these systems, known as "platforms" that can put individuals or their money in the thousands of investment funds in ways that ensure the efficiency of taxation. This represents a challenge to the traditional role of insurance companies on life, which revolves around an automated packaging elements in the form of long-term savings or retirement product.
When it comes to the provision of investment funds through these systems, there is little to distinguish between life insurance companies and other managers to Moain savings.
The Kazlet Nair, analyst with independent life insurance: If the life insurance companies think they are entitled to because of this historical work, it is wrong.
There is one option, which is to manage life insurance companies for the platform, and is at the forefront of this system, "Standard Dlaev" the former cooperative insurance company, says Trevor Matthews, head of retail at the British "Standard Life" I believe that this platform is the solution.
And others may adhere to the area and one which is constantly doing good for the life insurance companies, which is death (death).
Of course, its called the life insurance because the neighborhood is no doubt continue to die. And insurance companies still have the competitive advantage when it comes to managing the likelihood of death of people, known Balphenaiip.
This means that it is in a good position to make policies that pay money, in the case of the death of an individual to a specific time period.
And still other financial services institutions like insurance companies to catch up, when it comes to the management of seniority - the risk that people live longer.
This is an issue in the provision of mandatory annual installments - is committed to contracts pay holders of the policy, the income until his death. With the increase in life expectancy, this experience will be invaluable in full.
The other option is to waive the United Kingdom in full, and to focus on life insurance markets and overseas, which has some of the fastest growth rates and tax systems and environments and a stable legal order.
Faces "Brodnchal" pressure from some investors to sell or re-integration of the British arm of life insurance and, therefore, lawmakers left the door for the separation of the future.
One of the ways in which life insurance companies in the United Kingdom for the competition, is to provide pre-paid huge kickbacks to brokers in exchange for marketing their products.
However, this practice of the place of the attack by the oversight bodies, on the grounds that they lead to the erosion of vessel capital of insurance companies, and can be detrimental to customers.
FSA tests are on the way in which the distribution of retail investments, including long-term savings and pensions.
Proposal could result in the industry away from commissions paid in advance, will lead to more impulse.
But while that might be the "man of the Pro" MAN FROM THE PRU and his family in a steady decline, the life insurance companies, the British - either through the size or because of autism - are not likely to disappear any time soon.
Neil believes Bndov, a partner with LEK Consulting, who derive income life insurance companies in the past, the British, I mean that it is facing a "progressive ever."
According to the analyst Roman Syazdin "Aurel Skyotiz," he remembers talking with the investor in approximately 1980. Was very enthusiastic, because the stock broker, an expert told him that the insurance market life insurance in the United Kingdom, will become the market such as the United States, which led all of the cooperative insurance funds, and life insurance industry to extinction.
This was at the beginning of eighties, there was no such thing so far.
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