Time to Pop the Question – Engage With Consumers Maturing UBI Into a Mass Market Proposition

Usage-Based Insurance or UBI is at the embryonic stage and has a long way to go before turning into the norm of insurance. With that being said, there is no denial that UBI will become the future of auto insurance. While it has already started laying the foundation, the question still remains: How is UBI going to appeal to consumers? How is it going propel into a mass market proposition?

Usage-Based Insurance, as the name suggests, has two popular auto insurance models – pay as you drive and pay how you drive. The pay-how-you-drive model uses advanced telematics technology, where driving data as detailed as a hard brake or rapid acceleration can alter insurance premiums. Such detail-oriented system can change not just insurance but reform driving completely. Focusing on the USPs of Usage-Based Insurance can most definitely attract the auto insurance market.

Pay How You Drive

Initially, driving information was captured for the purpose of investigating accidents or insurance claims. However, the need arose to take this technology a step further leading to the initiation of pay how you drive. The implementation of this model requires capturing driving data in real-time – calculating every rapid acceleration and hard brake, average speeds, frequency of driving, usage information like locations, parking, etc. and combining them with historical data to draft an insurance plan and allocate premium values.


Any initiative that can save money will appeal to the mass market. With an economy that is as rough as sailing through the Bermuda Triangle, consumers are constantly looking for avenues to that can cut costs. Usage-based model of insurance combines telematics, analytics and shared data to calculate an insurance policy that does not burn the pocket. Insurance premiums are decided based on this data. For instance, if the policyholder does not use his vehicle much and is a very careful driver, his insurance premium will be relatively less.

Even insurance agencies benefit from this model. In the event of a car crash, for example, telematics can capture real-time driving data and determine how the accident exactly took place and what damage was done avoiding fraudulent claims and reducing the risk of losses.

Incentive-based System and Customizable Features

A cautious driver pays far lesser than a reckless one. However, improvement in driving does not go unrewarded. Who does not love rewards and perks! UBI uses an incentive-based system to encourage better driving. If the insured improves his driving style, his premium amounts are bound to reduce.

Apart from that, insurance providers offer other customized features that differ from one insurer to another. These features can include driving tips, roadside assistance, Geo-fencing, location information like fuel stations, eateries, etc.

Conditioned to Drive Safely

B.F. Skinner had conducted an experiment to study the effects of rewards and incentives. He put a guinea pig in a box that has a lever fitted inside. Every time the guinea pig pressed the lever a food pellet would fall out. The number of times the guinea pig pressed the lever in a day increased gradually. This behavior modification through a reward system is called operant conditioning. Humans yield to rewards as well. This principle has been used in various fields of education, human resource management, marketing, etc. and generated good results.

UBI inculcates this principle in its incentive-based model to encourage people to drive safely. Not only does this model save money for both the insurer and the insured but also encourages better-quality driving – a win for all stakeholders.


There are a few concerns that need to be addressed. Privacy issues top the list, as people are concerned about divulging details of their whereabouts. The other concern is regulating the method of collecting data so that clients can transfer their data to another insurance provider and avail benefits without having to start from scratch.

UBI is still at the infancy stage, and thus these concerns will be addressed in the course of time. However, these challenges outweigh the benefits that UBI has to offer.

These are UBI’s competitive advantages that can drive UBI into a mass market proposition. It is essential to educate the masses on how UBI can transform the auto insurance into a system that is profitable for all parties and socially responsible. Insurers can use this tool not only for offering insurance solutions, but also for marketing purposes through consumer engagement features. The policyholders will pay as they drive which can result in better driving.

Usage-Based Insurance is a multifaceted system of reduced costs, customer engagement and inspiration for responsible driving. The ultimate outcome of UBI will be the contentment of insurance providers, their respective clients, and the society at large

Xemplar’s intuitive and cost-effective mobile application provides insurers and customers with an integrated, full-featured telematics experience. It’s not just another “app for that”. Geolocation tools, speed and mileage trackers, traffic alerts, and plenty more allow insurance carriers to measure customer driving stats in real time, all while linking insurer rating engines and broker back-office systems to create quick and convenient processing. Thus, Xemplar telematics system helps significantly reduce your operating and capital costs, increases your revenue, and engages with customers on a regular basis. for more information on Usage-Based Insurance visit us at http://www.xemplartelematics.com

Article Source: http://EzineArticles.com/expert/Sud_Gover/2254163


Anger Vs Acceptance

Our country is divided and there are people who just cannot accept “What is.”

Many people go through, upon hearing bad news (to them) which, in their interpretation, is an attack on their beliefs. They have to go through a process before they can accept and of course, there will always be groups of people who will never accept an outcome of what they perceive to be wrong.

First, there may be shock. This is followed by blame, denial, depression and a need to “fight back.” It is a loss for these people, just like if one loses a dear friend or family member. It takes time to get to acceptance.

We can manage our anger or stress over an unexpected outcome by recognizing the difference between acceptance vs. agreement with an outcome. When we learn to accept the words of another, we are not telling them we are in agreement with what they say or do. Rather, we are just accepting the fact that other people do not share our opinion. And, that’s all it is… an opinion!

Due to the lack of acceptance, I have lost many friends (were they really friends?) In life people have paridigms, be in by nuture or nature about just about everything. This does not mean one person is right and another wrong. It means we share a different view.

In this complex world, it is important to learn from diversity, adversity and different points of view. If we can do this, we ALL benefit. Acceptance takes strengh and wisdom. You are not controlling anyone or trying to change another person; rather you have the courage to accept others for what they believe to be true.

Making the decision/choice to accept another’s view, you are making great strides to avoid conflict and even promoting the person well-being of the people who you come in contact with.

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Article Source: http://EzineArticles.com/expert/Dr._Joyce_Knudsen/64346


Women’s Beauty Is An Indescribable Subject

How do you measure a women’s beauty? By her character, by her profession, by her goals or by her looks? Each has its significance and every element is taken into consideration. It is the case with men too. They are judged or witnessed by their breeding, work and their character. Beauty is something that comes from within your body. It is connected with the soul that God has formed inside us Some enhancers from outside can magnify them but the real thing remains inside and only a special soul can ooze that out and spread it in the world.

Some radiate happiness in their smiles. Their smile is so beautiful that eases the upset person and feels elated and relaxed. Their aura is so magnificent and soothing that it calms the burning soul and sends peace within. We make such friends for lifetime and in our fields, these working angels help in our difficulties. We have our parents, our birth givers whose aura portrays eternal peace and love.

Women love from their hearts. I am stressing on the feminine aspect here because they are often underrated. They wish you the best of everything. If you need a testimony, look at your mother, your wife, your daughter,or your female friend. Every time you cry, they sit beside you, offer silent prayers, and shed tears to give solace. “Everything will be all right. I will lay my life for you my dear. You do not have to worry.”After these, who would not think that he has still something left inside? Greatest of the great warriors have been on their knees when a female brave heart came to their aid.

Kind hearts offer the greatest friendship. They will never leave their other-half at the needy times and will not hesitate to destroy the ill will. So much has been written on this subject that we are getting short of words we just need to understand relationship with any human being should stand on the pillars of hope, sacrifice, faith and love.

It is not wrong to complain about distances. We are but a foolish mortal and we need our loved ones to be close. We need to see them, feel their presence, and feel loved by their actions. It is not and never is a bad thing. Whoever it is, should always give some time to the person waiting for him or her on the other side of the continent. A person can never be that busy that he cannot spare a single minute to let you know about his condition.

Prayers and wishes do work for women. Nevertheless, she needs to be comforted from a physical aspect too. When she longs for the company of her friend or her mate, he or she needs to be around. It is not possible every time, but once in a day for a minute she needs to feel that, “I am special for someone in this world. And, no matter what, he will be with me here when I am in need.

Women are spiritual advisers. They will drag you back from your area of disappointment and help you reach the pinnacle of success. They will make the impossible possible confronting with the worst situations. They are not equal to men but far more superior and sensitive.

Either big or small, do not judge us by our caste, creed or height or education. We are the simplest form of angels designed by the name of females and we are here to love, cherish and protect you. We will always rise up to your support but we are also strong enough to live on our own.

Article Source: http://EzineArticles.com/expert/Janaki_Mehta/2173528


Leap & the Net Will Appear

February 8th 2017. That was the day that I officially took a break, took a step back, got some much-needed rest, went on hiatus… became unemployed. I’d spent most of my adult life working in an industry that was foreign to the word; down time. Being open 24-hours, 365 days a year, meant that like the career I’d chosen, I was available ALL THE TIME. It’d become commonplace to receive a call at 11pm (just after I’d had my third glass of Sangria), from a colleague stating that he couldn’t show up for work, and of course needed me to cover his shift. It was upsetting to get that text at 5am suggesting that I come in to scramble some eggs, because the breakfast cook had yet to arrive for her shift. It was hellish to be on vacation and receive a flood of emails, texts and voice mails indicating that my division was represented negatively on TripAdvisor, and I had one day to respond… from the boat… in the middle of the ocean… on my anniversary… on my vacation.

I complained a lot, imbibed a bit, complained some more, drank some more, and chalked it all up to, “that’s why I get the big bucks!” I consumed stress for breakfast, lunch and dinner, and gobbled it all up with a hint of thyme. After the company closed my division, I accepted a job offer with another like business. During my first day of training, a colleague joked about the busyness of the company. His exact words to me were, “prepare to never sleep again.” I’d learn later that he’d just returned from a two-month absence due to a heart attack. In the days that followed, I’d worked 10-12 hour days, pacify livid customers, placate irate staff threatening to quit, reconcile payroll from three weeks ago, and assist the police with a drug sting… no, really.

On the fifth day of my ‘training’, I excused myself to the restroom. I grabbed my purse on the way the door, and walked directly to my car, where I sat for several minutes with my head buried in my hands. I sobbed uncontrollably, and experience a panic attack so troubling that I considered driving to the ER. I called my husband, and in a rapid, incoherent rant told him that I just couldn’t do it anymore. I apologized repeatedly, and highlighted the many reasons that I was having a mental breakdown in my SUV. Expecting him to be sensible and urge me to put my big girl panties on and get back in there and push through it, he simply said, “Baby, just quit and come home.” WHAT?!?! Did he just tell me to quit? Doesn’t he realize that I have a car payment? Doesn’t he realize that we’ve got a trip out of town coming up? Doesn’t he realize that we have one more dependent child left at home? Doesn’t he realize that I have a handbag addiction? Doesn’t he realize that the house payment is coming due, again? WHAT?!?!

February 20, 2017. I woke up at 9am (instead of 5am), because I could. I watched as my gorgeous husband made me a killer omelet, followed by me enjoying an hour-long relaxing bubble bath. I took my doxies to the lake and was able to leisurely walk along the shore with them. I sat on the bed with my two youngest daughters, reminiscing, laughing, and sharing family memories. I followed up with clients from as far away as China, and thus generated additional income. I wrote some more chapters, and submitted another blog. And then it happened. I casually looked over at him as he worked on an art piece for an upcoming show, and it clicked… this is what I want, this is actually, ALL that I want.

Now, don’t go searching for the GoFundMe link at the bottom of this page, because you won’t find one. And no, I’m not selling my Coach bags on eBay… yet. But I can tell you what I am doing. I am seriously investing in myself, and focusing on my personal businesses. I fully intend to take my ‘hobbies’ to the next level. I am cutting expenses in my life that are eating away at funds best used elsewhere (buh, bye Sirius XM, it’s been fun cable TV). I am setting the stage for what I will, and won’t settle for in my life. The older I get, the less tolerance I have for drama and BS. And most importantly, I’m spending quality time with the ones I love. The past few nights have been the most restful, and enjoyable evenings I’ve had in several years. I went to bed knowing that no one would be calling, emailing, or texting me with an issue. It was fantastic!

Will I ever go back to working for someone else? I don’t know. Will I ever sacrifice my health and well-being for a plaque on some wall attempting to showcase my worth? Definitely not! I’m sitting in my PJ’s wrapping up my novel, invoicing clients, listening to Prince, sipping my oolong tea, petting my pooch, and watching him paint. I’m unsure of how long this ideal happenstance will last, but I am sure that I will work towards it extending a lifetime.

I feel good. I feel really GOOD. And now that I’ve leapt, I’m fully confident that the Universe will cause the net to appear…

Article Source: http://EzineArticles.com/expert/Clarena_Wise/2271234


Getting Educated on India’s Aadhaar Card: Why and How

Providing identity proof in India is not a matter to be taken lightly. Legitimacy can be often proven through various cards, depending on the situation. Along with the passport and the Indian driving license, an individual may also prove their legitimacy using an income tax pan card.

So far, there have been various cards used in different circumstances. Finally, Indian authorities have thought about a more unifying method – an all-purpose social identity document or proof, to be used universally. This is how the Aadhaar Project has come into being. Created by the Government, the project aimed to establish a unique way to prove the social identity of all Indian citizens.

The UID or Aadhaar Card was thus launched. Each piece is inscribed with a unique series of 12 digits to help identify an individual. The biometric function allows gathering data on physical features which are different from one individual to another, such as fingerprints or iris. In addition, the technology also makes use of DNA, plus hand and facial features to distinguish between individuals. Even the voice can be included.

This method does not eliminate the need of a photo of the individual to prove their identity. At this point, citizens can also be identified using their passport or driver’s license. The authorities still rely on these documents.

The unique UID number is relevant to the distribution of governmental welfare, too. The new scheme will heavily rely on it. A card exhibiting this number can have plenty of uses, starting with allowing one stay in India legally. It can thus point out to individuals staying illegally or to those having criminal intentions. India’s body of government has therefore launched a vast project aiming to control immigration and citizenship matters closely, as well as to handle the security aspect with more ease and efficiency.

A card holder isn’t necessarily an adult – children may have one, too. In fact, the project aims to reach the largest part possible of the Indian population. The card is not yet obligatory, but it could become so in the near future. The Aadhaar or UID card status can already be checked online.

Since it is a biometric document, a card of this kind can only be read with compatible technological devices. Several other Asian states have adopted similar social identification methods: China and Korea, to name a few. The system is also well known to the American public. In India, the UIDAI is the institution responsible with issuing unique Aadhaar card numbers. The cards are expected to be the most powerful verification tool to this date.

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Article Source: http://EzineArticles.com/expert/G_Sonali/1312363


Massage in Bucharest

Recognize it! You’re busy! And so must be! That’s what life is like! But you want more than that, you want to do more for yourself and massage can help. Because massage makes more than a simple relaxation of the mind and body. It keeps your body in shape and gives you enough energy to make you enjoy a longer life better than you do it today.

Massage releases stress. At the moment, stress is a universal evil. Every time you are late, every time you avoid a car in traffic, every time you have trouble working, stress is doing his job. Each time adrenaline increases heart rate and cortisone levels and organs respond to the measure. You will be in a state of nerves and constant agitation.
When there is no release of stress, serious problems such as an upset stomach, hypertension, sleep disturbances, chest pain, or existing illness may worsen.

Some of the changes that may occur are: Anxiety, lack of concentration, depression, permanent fatigue, muscle or bone pain, sexual dysfunction, excessive sleep or insomnia

All these stress-related problems can be diminished and some can be totally eliminated by massage. The researchers concluded that a massage session can lower heart rate and blood pressure, relax your muscles and increase endorphin production. The massage also releases serotonin and dopamine and the result is a general relaxation, both physical and mental.
Our body care must be at the top of the priorities.
By adding the massage to your routine you will look much better and you will be much healthier and relaxed. Massage can improve your vitality and mood. Massage can prepare for a long and beautiful life.

Our masseuses personalize each massage session according to the needs of the individual.
Our massage parlors offer a variety of relaxation styles and techniques to help you. Apart from relaxing, massage can be a powerful ally in reducing pain, increasing energy levels, improving mental and physical performance

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After a massage session, you will see how the mental prospects are enriched, the body allows easier handling, better pressure resistance, relaxation and mental alertness, calm and creative thinking.
When you have the impression or force yourself to stay straight, your body is not actually aligned properly. Not only does the posture look bad, but it forces some of the muscles to go muddy all day, while others become weaker. After a long time, the incorrect position may cause other drops. For example, internal organs press on what affects digestion, breathing ability is also diminished, which means that much less blood and oxygen reaches the brain and hence all sorts of other complications.

Massage allows you to return your body to the track. Allowing the body to make healthy and accurate movements is one of the greatest benefits of massage. Massage can relax and restore muscles injured by bad posture, allowing the body to position itself in a natural, painless position.
Apart from posture, there is also anxiety. One of the signs of anxiety and stress can also be heavy breathing. When the body begins to breathe too little and deeply instead of breathing at a natural rithm, it is impossible for one to relax. One reason may also be that the chest muscles and the abdomen get tightened and the air gets harder.

Massage plays an important role in learning the body how to relax and how to improve breathing. Respiratory problems such as allergies, sinuses, asthma or bronchitis are a group of conditions that can benefit from massage. In fact, massage can have a positive impact on respiratory function.

Many of the muscles in the front and back of the upper part of the body are breathing accessory. When these muscles are tight and shorten they can block normal breathing and interrupt effective breathing natural rithm. Massage techniques for stretching and relaxing these muscles improves breathing function and breathability. Massage leads to an opening of the chest as well as structural alignment and nerve dilatation that are required for optimal pulmonary function. A good way to treat respiratory problems with massage is the taping made in Swedish massage. When done on the back, along with vibrations, it can detach the mucus from the lungs and can clean the airways for better later function.

Massage not only relaxes muscles, but helps people become aware of daily stress levels. Once the body recognizes what really means relaxation, the mind can rest easily relax before the stress becomes cornice and harmful. This will help you enjoy a balanced life. Massage controls breathing, allows the mind to re-create relaxation before the occurrence of chronic and harmful stress and increases the level of energy.