As often optimal project or undertaking failed only because of inefficiency, low qualification or easier unreliability of those to whom you trusted! Therefore not casually correct decision of a “personnel” question appreciably defines profitableness of any business.
Despite unemployment, the problem of search and deduction of really valuable experts and organizers of business gets all-important value. People, their talent and abilities, their interest in success, instead of cars and materials are the main condition of prosperity of business. But how to find, interest and keep class experts?

Certainly, the most simple decision is to offer the maximum salary. However it is not the most favourable and effective way. Because:
• you leave money immediately;
• you leave money for ever;
• you pay more taxes in a pension fund, on social insurance and other obligatory deduction;
• you do not provide loyalty and motivation of the qualified experts in long-term prospect.
The program «Gold handcuffs» urged to solve all these problems. It is widely used in the USA. Its essence consists that the firm carries out insurance of key heads of this business. In case of death of the expert the insurance company pays the insurance compensation. Under the preliminary arrangement the part of money can be transferred a family or successors of the died. The remained received sum can be used the enterprise for the indemnification, connected with death of the expert, search, attraction and arrangement of equivalent replacement or for other purposes. Also this insurance is used for attraction of the necessary experts from other firms and to deduction of the professionals as presence of the good insurance at times is better than high wages.

However insurance contracts provide not only payments of the insurance sums in case of death. They contain also very considerable accumulation on the enclosed means which are an integral part of the insurance contract. This accumulation, supporting the contract on the one hand, at correct registration can be withdrawn by the owner as the pension or other funds directed on encouragement of workers, without destroying thus the insurance.

If we wish to lift this kind of insurance in Ukraine on worthy level should exclude the requirement of the penultimate paragraph of item 15 of the Law of Ukraine “About insurance”, forbidding work of insurance intermediaries in interests of insurers-non-residents which is based on Instruction of 1993, concerning currency regulation. This draconian requirement remains since Post-Soviet times, “an Iron Curtain” epoch, and contradicts requirements of the Instruction of EU 92/2002 on the insurance.

To intermediary and the WTO legislation providing free moving of insurance services in the markets. For example, in the law of Poland on insurance intermediary, according to the specified Instruction of EU.
Any agent or the broker of other country can work in territory of Poland after corresponding registration with instructions, in interests of what insurance company it works. After all many foreign insurers are afraid to go here because of the imperfect legislation, corruption and bribery in authorities, not a legislation transparency etc. At the same time insurance intermediaries can and carry out these functions in many countries of the world without problems. And that after all as turns out, the insurance companies – the non-residents registered duly in Ukraine, offer not the best programs of life insurance. Our clients suffer from it, nothing knowing about existence only.

Those who are hunting for the health insurance quotes should keep in mind that today we live in the world where knowledge makes life easier.

Due to this if you are properly armed with the health insurance information in your sphere of interest you can rest assured that you will in any case find the way out from any bad situation. So, please make sure to get back to this blog on a regular basis or – best of all – sign up to its RSS. Thus you will have a direct shortcut to the latest info updates here. Blogging can be helpful, you just need to understand how to use blogging to find the best in the sphere of cheap health insurance and around this topic.