BBM FUNNY: Overcome And Cure Shortness of Breath

JONNY Jinny in BBM FUNNY - BEST FUNNY STORY 2014 .....

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A wife suffering from shortness of breath and checked herself into the doctor

Wife: "Doc, .. lately I often experience shortness of breath, how to handle ya, ..?"

Doctor: "Since when does the mother feel shortness of breath?" (While checking his pulse)

Wife: "Since, .................. since I often see my husband with the widow of the car opposite the house, Doc ..."

Doctor: "$ $ # @ @ # # @ #%%!???"

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Premiums Two Life Insurance Growing over Industry

CIMB Sun Life Management and Commonwealth Life can breathe sigh of relief, because it managed to achieve premium growth above 15% over 2012, while the average premium of the life insurance industry grew 7%.

As of December 2012. CIMB Sun Life insurance gross premiums successfully recorded at Rp 1.08 trillion, an increase of 15% over the previous year. While the acquisition of Commonwealth Life gross premiums recorded Rp 1.65 trillion or grew 36% over the last year.

President Director of CIMB Sun Life, Vivien Kusumowardhani said the achievement of these results prove that the company as a new player to compete in the industry. CIMB Sun Life Penompang growth comes from the new premium redemptions of Rp 1.04 trillion, up 4% over the previous year to Rp 908 billion.

CIMB Sun Life has a total of 20 products on the market. Penompang Another potential market is vast cultivable, by targeting customers of Bank CIMB Niaga, and markets its products through bank branches CIMB Niaga, telemarketing, and bundled with the product and agent bank.

As for the level of health or risk-based capital (RBC) CIMB Sun Life last year reached 383% with total assets of Rp 1.83 trillion. The supporters of Commonwealth Life premium growth from unit-linked products, although the prestige of these products began to fade, the share of unit-linked in the Commonwealth to reach 70% of the total premium, and the rest of traditional products. Link units to grow 30%, as stated by Agus Setiawan, Director of Engineering Commonwealth. Another factor is the number of realtors Commonwealth Life, which last year reached 8,000 people and this year will be hoisted to 10,000 people.

Contribution to total agency premium is 35%, bancassurance 35% and 30% of direct marketing as well as group insurance. Based on data from the Financial Services Authority (OJK) until the end of 2012, life insurance premiums grew only 7% to Rp Rp 103.51 trillion, while the general insurance and reinsurance premiums rose 10% to Rp 42.9 trillion and social insurance grew 15.5% to Rp 7.79 trillion, insurance PNS / TNI / police normally grow with the increase of 28.3% to Rp 17.3 trillion.

Premi Dua Asuransi Jiwa Tumbuh di Atas Industri

Manajemen CIMB Sun Life dan Commonwealth Life boleh bernafas lega, karena berhasil mencapai pertumbuhan premi diatas 15% sepanjang 2012, padahal secara rata-rata premi industri asuransi jiwa tumbuh 7%.

Per Desember 2012. asuransi jiwa CIMB Sun Life berhasil mencatatkan premi kotor sebesar Rp 1,08 triliun atau meningkat 15% dibandingkan tahun sebelumnya. Sementara Commonwealth Life mencatatkan perolehan premi kotor Rp 1,65 triliun atau tumbuh 36% selama tahun lalu.

Presiden Direktur CIMB Sun Life, Vivien Kusumowardhani mengatakan, pencapaian hasil tersebut membuktikan kalau perusahaannya sebagai pemain baru mampu bersaing di industri. Penompang pertumbuhan CIMB Sun Life berasal dari hasil premi baru sebear Rp 1,04 triliun, naik 4% dibandingkan tahun sebelumnya Rp 908 miliar.

CIMB Sun Life mempunyai total 20 produk yang beredar di pasaran. Penompang lainnya adalah potensi pasar yang bisa digarap masih luas, antara lain dengan menyasar nasabah Bank CIMB Niaga, dan memasarkan produknya melalui cabang-cabang bank CIMB Niaga, telemarketing serta dibundel dengan produk bank dan agen.

Sementara untuk tingkat kesehatan atau risk based capital (RBC) CIMB Sun Life tahun lalu mencapai 383% dengan total aset Rp 1,83 triliun. Adapun pendukung pertumbuhan premi Commonwealth Life berasal dari produk unit link, walaupun pamor produk ini mulai memudar, porsi unit link di Commonwealth mencapai 70% dari total premi, dan sisanya produk tradisional. Unit link tumbuh 30%, seperti dikatakan oleh Agus Setiawan, Direktur Teknik Commonwealth. Faktor lain adalah banyaknya agen penjual Commonwealth Life, yang tahun lalu mencapai 8,000 orang dan tahun ini akan dikerek menjadi 10.000 orang.

Kontribusi agen terhadap total premi adalah 35%, bancassurance 35%dan 30% dari direct marketing serta asuransi kumpulan. Berdasarkan data Otoritas Jasa Keuangan (OJK) hingga akhir 2012, premi asuransi jiwa hanya tumbuh 7% menjadi Rp Rp 103,51 triliun, sementara premi asuransi umum dan reasuransi naik 10% menjadi Rp 42,9 triliun dan asuransi sosial tumbuh 15,5% jadi Rp 7,79 triliun, asuransi PNS/TNI/Polri tumbuh normal dengan kenaikan 28,3% menjadi Rp 17,3 triliun.