Profiting from the boom in affinity marketing

Article Abstract:

Lower commission rates of agents and better risk assessment due to the relative homogeneous nature of an affinity group have fueled the growth of affinity marketing in the US, in both the personal property/casualty and life/health segments. Other benefits of affinity-marketed insurance are convenience and ease of payment as bills are mostly deducted from a payroll or checking account. Affinity markets are predicted to post a compound annual growth of 15% to 20% from 1996 to 2001. This has prompted insurers to bank on affinity marketing to boost sagging markets or firm up stable ones.

Direct Life Insurance Carriers, Life insurance, Group Life Insurance, Economic aspects, Services, Insurance industry, Group insurance

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Hawaii's dry forests

Article Abstract:

Hawaii's dry forests are on the verge of annihilation with over 90% of the area destroyed and the remaining portion threatened by alien plants and animals. The North Kona region, one of the largest remaining forests, is scarce in native vegetation. Dominant vegetation in the area is fountain grass, which is fire prone and threatens other native plants. The Hawaii Division of Forestry and Wildlife in coordination with other agencies has taken up the cause of restoring the dry forests. Fencing, fire breaks control, and removal of fountain grass are some of the measures adopted.

Environmental aspects, Hawaii, Forest conservation, Reforestation, Hawaii Island

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America the inescapable

Article Abstract:

The end of the cold war is an important reason for the decline of anti-American feeling. Cultural attraction has replaced war as a means for controlling other countries, and US culture is the most universally attractive.

International aspects, History, International relations, Culture diffusion, Anti-Americanism

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