The 6 Biggest Life Insurance Companies in Canada (, SLF) #canada #insurance #companies


#

The 6 Biggest Life Insurance Companies in Canada (GWO.TO, SLF)

Nearly 22 million Canadians owned some form of life insurance in 2014, according to industry figures. In the same year, 97 independent life insurers competed in the Canadian market, including domestic and foreign companies. In total, these insurers reported premium income amounting to about $13.7 billion for the year. About $8.3 billion of that total, or more than 60%, was captured by the six biggest life insurers in the market. These top insurers are all diversified financial services companies offering their customers much more than life insurance. This list introduces each of these top companies, with notes on market position and product offerings.

Manulife Financial

Manulife Financial is Canada’s biggest life insurance company as measured by revenue, but it is the second biggest as measured by domestic life insurance premiums. The company reported consolidated revenue of $40.4 billion in 2014, placing it among Canada’s 10 biggest companies in any industry. It also reported $2.2 billion in life insurance premium income in the Canadian market. In addition to the Canadian premiums, Manulife’s American subsidiary, John Hancock, reported written life insurance premiums of more than $4.7 billion in the United States.

Alongside an array of life and health insurance products, Manulife offers group benefits and retirement plans, investment products and wealth management services. Manulife Bank is a federally regulated bank serving customers in every Canadian province and territory. Manulife also operates a global real estate business and a global reinsurance business. The company has substantial business operations across North America and Asia.

In 2015, Manulife completed the acquisition of The Standard Life Assurance Company of Canada, adding 1.4 million additional customers and mutual fund and pension assets totaling nearly $20.5 billion. The company also announced the purchase of New York Life’s American retirement services division, which will add another $50 billion in pension assets once the transaction is complete.

Great-West Lifeco, Inc.

Great-West Lifeco, Inc. (TSX: GWO.TO) is an international financial services giant headquartered in Canada. The company had consolidated revenue of $29.7 billion in 2014. It reported premium income on Canadian life insurance policies of $2.7 billion, the most of any company in the country. Great-West Lifeco’s wholly owned subsidiary in the U.S. Great-West Life and Annuity Insurance Company, reported additional written life insurance premiums amounting to just under $1.5 billion on U.S. policies.

Great-West Lifeco operates as a holding company for six subsidiary companies that market insurance and financial services products in North America, Europe and Asia. In the insurance area, Great-West Lifeco subsidiaries offer a wide variety of life and health insurance policy options, including general health, disability and critical illness insurance products. Other major business areas include investment services, savings and retirement income products, pension plans, wealth protection and management services. Great-West Lifeco subsidiaries also participate in international reinsurance markets.

Sun Life Financial

Sun Life Financial, Inc. (NYSE: SLF ) ranks as the third-biggest life insurance company in Canada, reporting consolidated revenue of $19.5 billion and Canadian life insurance premium income of $1.7 billion in 2014. The company’s U.S. subsidiary reported additional written life insurance premiums amounting to more than $1.1 billion in the American market.

Sun Life Financial is a global financial services company with substantial operations in North America, Ireland and the United Kingdom, and valuable businesses in India, China, the Philippines and more than a dozen other countries. Its products are also available through independent agents in countries around the world. In addition to life insurance, Sun Life Financial offers health, dental and disability insurance, investment and retirement savings products, and financial planning services. The company has 37 million customers and nearly 28,000 employees working at dozens of subsidiary and joint-venture companies worldwide.

IA Financial Group

In contrast to the international giants that make up the top three spots on this list, Industrial Alliance Insurance and Financial Services, Inc. (TSX: IAG.TO), which operates under the IA Financial Group brand, conducts about 97% of its business in Canada. It reported consolidated revenue of $7.3 billion and $940 million in life insurance premium income in the Canadian market in 2014. The company’s U.S. subsidiary, IA American Life Insurance Company, reported about $151 million of written life insurance premiums in the U.S. market.

IA Financial Group offers a variety of insurance products and financial services to customers across Canada. In contrast to its larger competitors, IA Financial Group offers property and casualty insurance. in addition to life and health insurance products. It markets savings and investment products, group pension plans and financial planning services. The company also operates a lending arm offering mortgages and other types of loans.

RBC Insurance

RBC Insurance is a wholly owned subsidiary of the Royal Bank of Canada (NYSE: RY ). The company reported $457 million in Canadian life insurance premium income and total revenue of $3.76 billion in 2014. Its parent company is Canada’s biggest bank and one of the largest banks in the world, with about $25.8 billion in consolidated revenue in 2014 and a market capitalization of about $75.5 billion.

RBC Insurance offers a wide array of domestic insurance products, including many types of life and health policies, as well as home and auto policies and travel insurance options. Wealth management products, such as annuities and segregated funds products. are available to meet retirement planning needs. The company also offers credit protection plans for eligible mortgages, loans and credit card balances held with the Royal Bank of Canada. Additionally, RBC Insurance operates a global reinsurance business offering annuity, accident, and life and health reinsurance products.

Empire Life

Empire Life Insurance is a subsidiary of the publicly listed holding company, E-L Financial Corp. Ltd. (TSX: ELF.TO). Empire Life reported consolidated revenue of $1.46 billion in 2014. Life insurance premium income amounted to $300 million. The company does not have any substantial international business operations.

The Empire Life product mix includes three main categories: individual insurance products, group benefit plans and wealth management products. The company offers a full selection of life insurance options, in addition to critical illness insurance. Group benefit plans provide flexible options to meet the health care needs of small and medium-size businesses and their employees. Wealth management products include mutual funds, annuities, segregated funds and savings plans.


Line of Credit & Loan Payment Calculator – RBC Royal Bank #line #of #credit #payment #calculator, #loan #payment #calculator, #rbc, #royal #bank #of #canada


#

Want to pay off your debt sooner?

A fixed rate loan from RBC Royal Bank can help you pay off your debt sooner by:
A fixed rate loan from RBC Royal Bank can help you pay off your debt sooner by:
  • Choosing a term from 1 to 5 years
  • Combining multiple debt payments into one easy payment
  • Saving on interest costs

Want to pay off your debt sooner?

An RBC Royal Bank line of credit is a flexible way to pay down your debt at a lower interest rate:
An RBC Royal Bank line of credit is a flexible way to pay down your debt at a lower interest rate:
  • Save on interest costs with a low rate
  • No annual fees
  • Low monthly interest-only payments available. Paying more may help to lower your debt sooner
  • Access your money at any time

Want to reduce your monthly interest costs?

A fixed rate loan from RBC Royal Bank may help you reduce your monthly interest costs by:
A fixed rate loan from RBC Royal Bank may help you reduce your monthly interest costs by:
  • Paying down your debt over a set period of time
  • Combining all your debts into one loan payment at a single interest rate
  • Reduce your overall interest costs over time

Want to reduce your monthly interest costs?

An RBC Royal Bank Line of Credit may help you reduce your monthly interest costs by:
An RBC Royal Bank Line of Credit may help you reduce your monthly interest costs by:
  • Saving on interest costs when you combine your debts into one low rate
  • No annual fees
  • Low monthly interest-only payments available. Paying more may help to lower your debt sooner
  • Access your money at any time

A Personal loan from RBC Royal Bank is a convenient way to finance your borrowing needs

  • Ideal for financing a major purchase where you need to use all the money up front
  • Easy payment options
  • Fixed payment schedule to suit your needs and budget

A Line of Credit Like the Royal Credit Line is a convenient way to borrow money at a low interest rate

  • Low interest cost
  • No annual fees
  • Pay interest only (or more) to suit your needs and budget
  • Apply once and use your repaid credit again and again, up to your credit limit Access your money at any time

A Personal loan from RBC Royal Bank is a convenient way to finance your borrowing needs

  • Ideal for financing a major purchase where you need to use all the money up front
  • Easy payment options
  • Fixed payment schedule to suit your needs and budget

A Line of Credit Like the Royal Credit Line is a convenient way to borrow money at a low interest rate

  • Low interest cost
  • No annual fees
  • Pay interest only (or more) to suit your needs and budget
  • Apply once and use your repaid credit again and again, up to your credit limit Access your money at any time

Get Behind the Wheel of Your New or Used Car

An RBC Royal Bank car loan is a convenient way to finance a new or used vehicle:
An RBC Royal Bank car loan is a convenient way to finance a new or used vehicle:
  • Your interest rate is guaranteed for the entire term
  • Flexible terms and payment options to suit your needs and budget
  • If you want to obtain financing at your dealership, don’t forget to ask for RBC Automotive Finance .

Get Behind the Wheel of Your New or Used Car

You may finance your car purchase with a RBC Royal Bank Line of Credit to take advantage of:
You may finance your car purchase with a RBC Royal Bank Line of Credit to take advantage of:
  • Low interest rates
  • Low monthly interest-only payments
  • Ready access to funds, up to your credit limit

A Personal loan from RBC Royal Bank is a convenient way to finance your borrowing needs

  • Ideal for financing a major purchase where you need to use all the money up front
  • Easy payment options
  • Fixed payment schedule to suit your needs and budget

A Line of Credit Like the Royal Credit Line is a convenient way to borrow money at a low interest rate

  • Low interest cost
  • No annual fees
  • Pay interest only (or more) to suit your needs and budget
  • Apply once and use your repaid credit again and again, up to your credit limit Access your money at any time

Savings Tip

A variable rate loan could help you pay off your loan sooner if the prime interest rate falls – ask for details when you apply or call 1-855-834-1782. 1-855-834-1782.

An RBC Credit Line allows you the flexibility to pay more than just your interest-only payment to reduce your debt sooner. Ask for details when you apply or call 1-855-834-1782. 1-855-834-1782.

By offering assets such as cash or real estate you will get a more favourable interest rate for your loan and reduce your overall interest costs. Ask for details on our secured instalment loan option when you apply or call 1-855-834-1782. 1-855-834-1782.

For potentially lower rates, consider a secured line of credit. Ask for details when you apply or call 1-855-834-1782. 1-855-834-1782.

To keep your debt repayment plan on track, choose a fixed repayment schedule with the shortest time frame you are comfortable with to help you repay your debt sooner. Ask for details when you apply or call 1-855-834-1782. 1-855-834-1782.

When buying a car, choose a fixed repayment schedule so you know how long it will take you to repay what you borrow.

To keep your repayment plan on track, we recommend paying more than just your interest-only payment so that your credit line is paid off within a timeframe you are comfortable with. Ask for details when you apply or call 1-855-834-1782. 1-855-834-1782.

Loan Repayment Period – Please select the loan repayment period for Scenario 1.

Payment Frequency – Please select the payment frequency for Scenario 1.

Scenario #1 – Please review and adjust your amounts for down payment, trade-in and cash incentive. Their current total is equal to or exceeds the vehicle purchase price.

Age of Vehicle – Please select the age of the vehicle for Scenario 2.

Loan Repayment Period – Please select the loan repayment period for Scenario 2.

Payment Frequency – Please select the payment frequency for Scenario 2.

Scenario #2 – Please review and adjust your amounts for down payment, trade-in and cash incentive. Their current total is equal to or exceeds the vehicle purchase price.

Age of Vehicle – Please select the age of the vehicle for Scenario 3.

Loan Repayment Period – Please select the loan repayment period for Scenario 3.

Payment Frequency – Please select the payment frequency for Scenario 3.

Scenario #3 – Please review and adjust your amounts for down payment, trade-in and cash incentive. Their current total is equal to or exceeds the vehicle purchase price.


Case Paper Company #case #paper #company, #merchant, #converter, #printing #papers, #new #york, #ny, #philadelphia, #pa, #chicago, #il, #miami, #fl, #charlotte, #nc, #los #angeles, #ca, #toronto, #canada, #irv #schaffer, #robin #schaffer, #peter #schaffer, #fsc, #certified, #forest #stewardship #council, #printers, #publishers, #packagers, #designers, #alta #high-yield, #sonata, #novalith, #concerto, #coated #paper, #uncoated, #paperboard, #recycled #paperboard, #litho #c1s, #c2s, #carbonless, #silver, #specialty #paper


#

Since 1943, Case Paper Co. has provided incomparable service to the printing and packaging industry. The foundation of this service rests on maintaining one of the largest inventories of coated paper and board in both rolls and sheets in the United States; providing swift delivery of custom-converted products from state-of-the-art equipment; and and the ability to process custom sizes.

In fact, Case Paper has an extensive inventory of over 75,000 tons of paper and board available for immediate delivery, warehoused in over 1.25 million sq.ft. of storage space across the U.S. We also provide state-of-the-art converting, warehousing, shipping, and logistics from several North American locations.

With a broad range of equipment—from Maxson, Marquip, and Goodstrong sheeters, up to 90″ Jagenberg and A F slitters, and up to 110″ Lawson guillotine trimmers—Case Paper can handle virtually every need, from small to large-format sheet sizes to narrow- to large-format digital rolls.

Our well-coordinated team of over 60 sales representatives and local customer service representatives serves U.S. domestic markets as well as Canada, Mexico, and South America. We have 24/7 access to real-time, nationwide inventory, and offer round-the-clock customer service.

Our Products

  • Coated Paper — for brochures, annual reports, book covers, and catalogs.
  • Uncoated Paper — for financial reports, direct mail, and newsletters.
  • Paperboard — for packaging, displays and signage, and board games.
  • Litho C1S — for labels, posters, corrugated lamination, foil/film lamination.
  • Carbonless Paper — for forms in duplicate, triplicate, etc.

NEWS & EVENTS

At the annual Printing Industry of the Carolinas (PICA) awards banquet on April 29, 2017, the Case Paper Award for Best Brochure or Broadside was awarded to TCG Legacy for Aralex’s Yosprala brochure. Considered to be the best of this year’s 32 entries in the brochure/broadsides category, and one of more than 670 entries from [ ] Read more

In November 2016, John R. Cumming joined the Case Paper Co. team as Director of Sales, Northeast. With over a quarter century of experience running companies that sell paper and board to the commercial print and packaging industries and a degree from the University of Pennsylvania, Cumming has experience in all aspects of the paper business, [ ] Read more

Case Paper recently announced the purchase of a MarquipWardUnited dual-rotary sheeter for their Philadelphia, PA plant. Able to sheet up to two rolls at a time, the new sheeter will provide custom-sized sheets of both paper and paperboard. The ninth sheeter and the tenth converting equipment purchase over the past seven years, Case Paper’s latest [ ] Read more

In September 2016, Case Paper completed the installation of a new Maxson MDH dual knife rotary sheeter at its manufacturing facility in Philadelphia, PA. Supported by skilled sheeting experts, the new sheeter increases capacity by 20 million pounds annually. For printers and packaging companies that have to turn around a job quickly, it also shortens [ ] Read more


Ottawa s Term Life Insurance Broker #guaranteed #issue #life, #life #insurance, #life #insurance #canada, #life #insurance #quotes, #life #insurance #ottawa, #critical #illness #insurance, #standard #life #insurance, #canada #life #insurance, #term #life #insurance, #whole #life #insurance, #life #insurance #ontario, #life #insurance #quote, #life #insurance #quotes #canada, #term #life #insurance #quotes, #term #life #insurance #canada, #universal #life #insurance, #term #insurance, #mortgage #life, #insurance, #best #life #insurance #canada, #life #insurance #calculator, #non #medical #life #insurance, #term #quote, #mortgage #protection #life #insurance, #rates #for #term #life #insurance, #life #insurance #no #physical, #affordable #life #insurance #quote, #online #life #insurance #broker, #toronto #life #insurance, #compare #life #insurance #quotes, #online, #life #insurance #quote #ontario, #life #insurance #rates #canada, #life #insurance #slogans #canada #life #life #insurance, #permanent #term #life #insurance, #insurance #for #life, #child #term #life #insurance, #term #life #insurance #quotes #canada, #buying #life #insurance #online, #health #and #life #insurance, #no #physical #life #insurance, #canada #life #insurance, #quote, #life #brokers, #life #insurance #rates #ontario, #affordable #life #insurance #for #seniors, #life #insurance #website, #purchase #life #insurance #online, #cheapest #life #insurance #quotes, #life #insurance #benefit, #life #insurance #free #quotes, #term #life #insurance #versus #whole #life #insurance, #find #life #insurance, #quotes #life #insurance, #life #insurance #over #70, #ontario #life #insurance #quotes, #online #life #insurance #quotes #no #medical #exam, #term #life #insurance #rating, #term #life #insurance #no #medical #questions, #quote #term #life #insurance, #online #term #insurance #quotes #about #term #life #insurance, #final #expense #whole #life #insurance, #life #insurance #over #50 #no #medical #exam, #life #term #insurance #quotes, #top #rated #term #life #insurance #companies, #life #term #life #insurance, #guaranteed #life #insurance #no #medical, #questions, #instant #online #life #insurance #quotes, #top #life #insurance #company, #online #life #insurance #application, #critical #illness #life #insurance, #affordable #life #insurance #quotes, #term #life #insurance #price, #online #term #life #insurance #quote #free #term #life #insurance #quote, #smoker #life #insurance, #insurance #online #quote #term, #cheap #life #insurance #for #seniors, #critical #life #insurance, #selling #life #insurance #online, #affordable #term #life #insurance #rate, #cheapest #life #insurance #policy, #what #is #a #term #life #insurance, #quotes #for #term #life #insurance, #rate #life #insurance #companies, #shop #for #life #insurance, #direct #life #insurance, #whole #life #insurance #rates #by #age, #whole #life #insurance #plan, #top #rated #life #insurance, #whole #life #insurance #company, #quick #life #insurance #quote, #10 #year #term #life #insurance #rates, #life #insurance #search, #what #is #life #insurance #for #cheapest #term #insurance, #guaranteed #whole #life #insurance, #life #insurance #company #rating, #term #life #insurance #prices, #life #insurance #agencies


#

Life Insurance-Ottawa.ca

Why we are different and better

We represent a wide range of companies that specialize in insuring people with different “risks”. If you’re a pilot, diabetic or scuba diver, for instance, we’ve got you covered. As a result, the companies we represent are often able to insure Ottawa residents who could not get term insurance other places.

No one else has our experience in finding your “best buy” from the insurance companies that we represent or in making the entire buying process customer friendly. That’s why we are by far the most experienced independent brokers for Mortgage Protection and Term Life Insurance in Ottawa, Ontario, Canada.

Experienced

Licensed Life Insurance Broker and CFP since 2007.

Customer Service

Recommendations are always in your best interest period. Our priority is to make sure your family is properly protected and be in the best financial position possible.

Transperancy

We take the time to clearly explain the recommendations so you can make an informed decision.

Independent Broker

We find the products and services that meet or exceed your needs at the lowest cost. There is no conflict of interest or company bias with our recommendations.

Advice you can trust

In the event of your death, improper financial planning could result in your family being faced with economic hardship, debts struggles and an inadequate income. We offer strong, reliable and affordable ways to protect your family’s financial well-being after you’re gone.

We’re committed to helping Ottawa families prepare for the future. Our trustworthy life insurance specialists can help you achieve financial protection with reliable, secure, and affordable insurance planning and policy structuring that works for you. If you have further questions, don’t hesitate to contact us immediately – we’re here to help.

Ottawa No Medical Life Insurance Quotes – Free online instant Ottawa no medical life insurance quotes from Life Insurance-Ottawa.ca, a life insurance broker licenced in Ontario, your online source for the best accurate, competitive and affordable life insurance rates in Ottawa, Ontario and surrounding areas

Our Standards

Privacy

Your information submitted is kept confidential. It is never sold or shared with other life insurance agents or third parties.

Speed

Our business model is built on providing fast life insurance quotes and utilizing technology to get policies issued & delivered quickly.

Value

By representing over 35 of the top life insurance companies we consistently save our clients over 50% on their insurance premiums.

Experience

Licensed Life Insurance Broker and CFP since 2007.


World s Scariest Hikes #catskills #+ #hudson #valley,new #york,u.s.,u.s. #+ #canada,victoria #+ #vancouver #island,british #columbia,canada,kauai,hawaii,anchorage,alaska,yosemite #national #park,sierra #nevadas #+ #yosemite,california


#

World’s Scariest Hikes

His left hand clutching rock, a foot searching for purchase on an icy plank below, writer and TV host Robin Esrock looked down from his precipitous position on China ’s Mount Huashan. A spiraling fall, hundreds of feet to a canyon floor, would be the result of any misstep. “This is the moment where I’ve officially lost my mind,” he said, recording his adventure with a handheld camera.

The Mount Huashan trail, popular with domestic tourists, trudges up steep staircases cut into rock. It climbs ladders bolted into stone. Eventually, it becomes a dicey balancing act where hikers traverse a vertical face on wooden planks fastened to a sheer cliff wall. Esrock hiked and ascended for hours to complete the route and reach a temple at the peak.

Risking your life to go for a hike may seem extreme. But around the world, thousands of travelers boot up and take a gamble for a walk in a magical place like Mount Huashan. These hikes, though frightening, are accessible to almost anyone in moderate physical shape.

A good example is the Kalalau Trail in Kauai. an 11-mile route along the island’s remote Na Pali Coast that is among the most paradisiacal paths on earth. Green walls rise 4,000 feet from the ocean waves, but loose rock, cliff falls, and flash floods are dangers on the winding tropical trip. Fit hikers complete the Kalalau Trail in a long day. Backpackers camp halfway through.

The trail itself is not the only danger. A couple miles into the Kalalau hike you’ll find Hanakapiai Beach, an epic and remote strip of sand below Kauai’s cliffs. Powerful riptides can carry swimmers away, and the beach has been the unfortunate site of many drownings. Despite the dangers, the trail is safely traversed by thousands of hikers each year.

In Canada, another infamous trail follows Pacific Ocean waters on a remote stretch of Vancouver Island. The 48-mile West Coast Trail was built decades back as a route to rescue shipwreck victims. Today, the WCT is within the Pacific Rim National Park Reserve. Along the rugged route, animals haunt many hikers’ fears. Three potential man-eating beasts—bears, wolves, and cougars—lurk in the thick woods along the path. But you’re more likely to twist an ankle than encounter a wolf. Terrain on the WCT is notoriously harsh. Muddy trails, hand-over-hand ascents, and wooden ladders positioned for passage up vertical valley walls offer multiple venues to tempt fate and test Murphy’s Law.

In China, on Mount Huashan, Robin Esrock knew he was tempting the gods. He hiked and climbed on the edge for hours. At the end of his self-filmed production, Esrock kneeled at a temple on the peak and uttered a quiet prayer. “Thank you for letting me survive that,” he whispers, a soft voice trailing as the wind picked up.

5 of 6 Daniel Leclair/Corbis

Routeup Pacaya Volcano, Guatemala

A trek uphill to see steam vents and rivers of lava on Guatemala’s Pacaya Volcano is a popular tourist hike, since it’s near Guatemala City. But after a shower of volcanic rock killed a reporter this spring, Pacaya National Park closed the trail. Visitors were soon bypassing the usual route, according to an Associated Press article, and heading up the volcano through a private farm in a nearby village.

6 of 6 Edward Reeves/Alamy

KokodaTrack, Papua New Guinea

For various tragic reasons, four hikers died in separate incidents on the Kokoda Track during the 2009 trekking season. The trail runs for 60 extremely remote miles overland through Papua New Guinea’s Owen Stanley Mountain Range, climbing to more than 7,000 feet. A journey on the trail—which was the site of a World War II battle between Japanese and Australian forces—takes 4 to 10 days for most groups. Weather swings between hot days and frigid nights. Malaria and other tropical diseases are constant threats on what is among the world’s most dangerous long-distance backpacking routes.


Top Bachelors & Masters Programs Abroad #schoolapply, #school #apply, #study #abroad, #study #overseas, #university #abroad, #university #overseas, #college #abroad, #college #overseas, #foreign #university, #foreign #college, #study #in #the #united #states, #study #in #united #kingdom, #study #in #canada


#

Study at the.
schools abroad

Levels Explained

Bachelor’s

A bachelor’s degree (also called a first degree or undergraduate degree) is attained after receiving a post-secondary (high school) education and generally spans four years. Students pursuing these types of degrees are commonly referred to as bachelor or undergraduate students. A bachelor’s degree is usually offered at an institution of higher education, such as a university.


  • Master’s

    A master’s degree (or postgraduate or graduate education) involves learning and studying for academic or professional degrees. This degree is preceded by a bachelor’s degree and generally takes two years to complete. Students pursuing these types of degrees are commonly referred to as master’s, or grad students.


  • Pathway

    Bachelor’s and master’s pathway programs are designed for international students who need additional English language and academic preparation before continuing to a degree program at a university. The purpose of these programs are to give students the confidence and skills needed to succeed in college.

    Why Choose SchoolApply?

    We ll help you get to your dream school.

    LATEST BLOG POSTS

    Top programs

    • Engineering View programs
    • Business View programs
    • Medicine View programs
    • Law View programs
    • Social Sciences View programs
    • Science View programs
    • Education View programs
    • Architecture View programs
    • Fine arts View programs
    • Mathematic View programs
    • Sports View programs
    • Computer science View programs
    • Engineering View programs
    • Business View programs
    • Medicine View programs
    • Law View programs
    • Social Sciences View programs
    • Science View programs
    • Education View programs
    • Architecture View programs
    • Fine Arts View programs
    • Mathematic View programs
    • Sports View programs
    • Computer science View programs

    We get you accepted into any of our 4000 universities colleges.

    Copyright Schoolapply AG All rights reserved.

    Login

    or login with your email address

    Don’t have an account yet? Sign up

    Reset Your Password

    Please enter the email address used for your SchoolApply account, and we’ll send you a link to reset your password.

    Check your email

    Follow the instructions sent to your email address to reset your password

    Didn’t receive the email? Try again

    Sign up

    or sign up with your email address

    Already have an account? Sign in

    Personalize your experience

    To help you select the best universities and colleges we need to know a few things about you.

    Search Schools

    Sorry, no records found

    We use cookie policy to help us optimize your experience, by continuing you accept this. Read our cookie policy here


  • Special Events Liability #insurance, #liability, #events, #party, #sporting #events, #general #liability, #event #host, #cgl, #liquor #liability, #party #insurance, #special #event, #function, #service #of #alcohol, #low #premium, #great #rates, #third #party #injury, #weddings, #meeting, #family #reunions, #festivals #street #party, #theatre, #film #shoot, #rodeo, #craft #show, #online #application, #canada, #short #term, #event #insurance, #


    #

    This program provides Event Hosts with protection in the event of lawsuits arising out of single/multi-day functions with or without service of alcohol.

    Designed for
    • Hosts of single/multi day events who are seeking coverage (other than 1 day reception style event – ALL events with live entertainment or sports MUST be submitted on this form) OR
    • Hosts of single/multi day events where NO alcohol will be served (however, liquor extensions are available)
    Coverage

    We offer limits of liability from $1,000,000.00 to $5,000,000.00 with deductibles from $1,000.00.

    Coverage included: Commercial General Liability, including Third Party Property Damage/Bodily Injury, Medical Payment ($2,500.00pp/$25,000.00 max), Non-Owned Auto, Food and Beverage Product Coverage, Cross Liability, Employees/Volunteers as Additional Insured and Tenant’s Legal Liability ($500,000.00 +)

    Exhibitors

    Are you running an exhibitor booth, vendor booth or kiosk at an event, flea market or mall?

    Having a wedding?

    You might want to look at our NEW Weddinguard package. It Includes three(3) 24 hour periods of liability coverage as well as cancellation coverage and much more. The cost is comparable to our Party Alcohol rates; be sure to check it out!

    All other special events

    Meetings, family reunions, music festivals, concerts, ball tournaments, street parties, conventions, film shoots, hockey tournaments, theatrical performances, youth dances, film festivals, camps, rodeos, craft shows and more.

    Please note that we are unable to provide you with a quote for events more than 120 days inadvance.

    PLEASE REVIEW YOUR RENTAL AGREEMENT OR CONTRACT WITH THE VENUE PRIOR TO SUBMITTING YOUR SUBMISSION AS ANY CHANGES AFTER POLICY ISSUANCE WILL BE SUBJECT TO A $25 FEE AND / OR ADDITIONAL PREMIUM.

    Contact information

    Please dial 1-800-265-8098 EXT: 828 or 1-800-661-1608 EXT 828 to reach a Special Events Underwriter


    Graduate Study Online #graduate #study, #program #eligibility, #psychology #departments,,psychology #programs, #united #states, #canada, #graduate #psychology #education, #graduate #study #in #psychology,,education,


    #

    Graduate Study Online

    This online database gives you complete searching capacities on more than 500 psychology programs in the United States and Canada.

    Based on APA’s popular print volume, Graduate Study in Psychology. Graduate Study Online helps you make detailed comparisons across a wide range of programs more quickly and easily.

    For $19.95 you’ll get three months of access to the database. You can log on anytime and search for as long as you need.

    Graduate Study Online is also available part of the APA PsycNET Platinum package.

    Find Information On

    • Program Descriptions
    • Degrees Offered
    • Admission Requirements
    • Application Information
    • Financial Aid
    • Tuition
    • Housing
    • Deadlines and Fees
    • Contact Info

    Graduate Study Online gives you three months of access for $19.95. You will be given a user ID and password at the time of your order.

    Access is granted for individual use only.

    If you have any questions about the ordering process or problems during ordering, please send an email to APA Developers .

    Massachusetts, University of

    Department of Psychology
    Tobin Hall
    Amherst, MA 01003

    Department Information:

    Department established: 1947
    Chairperson: Melinda Novak

    Financial Information/Assistance:

    Tuition for Full-Time Study:
    Doctoral:
    State residents: per credit hour $110.00.
    Nonstate residents: per credit hour $415.00.

    Financial Assistance:
    First Year Students:

    Teaching assistantships are available for first-year.

    Average amount paid per academic year: $12,000.00
    Average number of hours worked per week: 20
    Tuition remission given: Full

    Research assistantships are available for first-year.

    Average amount paid per academic year: $12,000.00
    Average number of hours worked per week: 20
    Tuition remission given: Full

    Traineeships are available for first-year.

    Average amount paid per academic year: $12,000.00
    Average number of hours worked per week: 20
    Tuition remission given: Full

    Fellowships and scholarships are available for first-year.

    Average amount paid per academic year: $10,500.00
    Average number of hours worked per week: 0
    Tuition remission given: Full

    Teaching assistantships are available for advanced students.

    Average amount paid per academic year: $12,500.00
    Average number of hours worked per week: 20
    Tuition remission given: Full

    Research assistantships are available for advanced students.

    Average amount paid per academic year: $12,000.00
    Average number of hours worked per week: 20
    Tuition remission given: Full

    Traineeships are available for advanced students.

    Average amount paid per academic year: $12,000.00
    Average number of hours worked per week: 20
    Tuition remission given: Full

    Fellowships and scholarships are available for advanced students.

    Average amount paid per academic year: $10,500.00
    Average number of hours worked per week: 0
    Tuition remission given: Full

    Of all students currently enrolled full-time, 100% benefited from one or more of the listed financial assistance programs. For information on financial assistance: http://www.umass.edu/umfa

    Internships/Practica:
    Clinical students must complete an APA-approved clinical internship. None of these required internships are offered by our program. For those doctoral students for whom a professional internship is required prior to graduation, 6 applied in 2001-2002. Of those who applied, 0 were placed in internships listed by the Association of Psychology Postdoctoral and Internship Programs (APPIC); 6 were placed in APA accredited internships.

    Housing and Child Care:
    Housing information is available at this webpage: http://www.umass.edu/grad_catalog/housing.html

    Child care information is available at this webpage: http://home.oit.umass.edu/

    Employment of Department Graduates:

    No employment information was provided.

    Additional Information:

    Orientation, Objectives, and Emphasis of Department:
    The psychology program is designed to develop research scholars, college teachers, and scientific/professional psychologists in the six areas listed. Individual student programs combine basic courses and seminars in a variety of specialized areas, research experience, and practica in both on- and off-campus settings. Students may elect to minor in certain areas as well, including personality-social, quantitative methods, and applied social research. In addition, the social-personality area has begun a new specialization in the Psychology of Peace and Prevention of Violence. Students with applied interests, such as clinical and developmental, have ample opportunity for in-depth practical experience.

    Special Facilities or Resources
    The Department has specialized laboratory facilities, including biochemistry, eyetracking, video data analysis, and other laboratories. It maintains its own clinic for research, clinical training, and service to the community. It provides students with access to microcomputers and to the VAX mainframes at University Computing Services. Departmental facilities and faculty are supplemented by the University’s participation in Five-College programs (with Amherst, Hampshire, Mount Holyoke, and Smith Colleges) and by cooperation with other University departments including Computer and Information Science, Industrial Engineering, Education, Linguistics, Sociology, and Biology. The University of Massachusetts also offers a separate PhD degree-granting program in neuroscience and behavior. Many of the students in this program receive the bulk of their training in the Psychology Department and work primarily with Psychology faculty. Students interested in training in neuroscience and behavior should apply for admission directly to that program.

    Application Information:

    Send to: Graduate Admissions Office, Goodell Building; University of Massachusetts, Amherst, MA 01003. Students are admitted in the fall, application deadline is See below. January 2 for Clinical; January 15 for Neuroscience Behavior; February 1 for all other programs. Fee: $45.00.

    Application is available online.
    http://www.umass.edu


    Free Frequent Flyer Miles #free #frequent #flyer #miles, #free #frequent #flier #miles, #free #airline #miles, #airline #miles, #cheap #frequent #flyer #miles, #cheap #frequent #flier #miles, #cheap #airline #miles, #miles, #travel #deals, #earn #miles #online, #credit #cards, #financial #offers, #miles #for #shopping, #value #of #miles, #value #of #frequent #flyer #miles, #frequent #flyer, #cheap #airline #tickets, #cheap #travel, #alaska #airlines, #usairways, #u.s. #airways, #hawaiian, #hawaiian #airlines, #frontier #airlines, #grupo #taca, #lacsa, #air #france, #virgin #airlines, #lufthansa, #sas, #s.a.s., #klm, #k.l.m., #eva #air, #alitalia, #japan #airlines, #qantas #airlines, #quantas #airlines, #south #african #airlines, #air #new #zealand, #malaysia #airlines, #cathay #pacific, #singapore #airlines, #china #airlines, #mexicana #airlines, #lan #chile, #bwia #west #indies #airline, #air #new #zealand, #emirates #airline, #swiss #international #airlines, #amtrak, #aer #lingus, #asiana #airlines, #korean #airlines, #air #canada #aeroplan, #earn #frequent #flier #miles, #gold #points, #goldpoints, #radisson #gold #points, #radisson #goldpoints, #airmilesmart, #mypoints, #bonusmail, #giftcertificates.com, #skymall, #wall #street #journal, #n.y. #times, #ny #times, #usa #today, #u.s.a. #today, #san #francisco #chronicle, #honolulu #star #bulletin, #arizona #repubic, #dealermiles, #hertz #used #cars, #peoplefirst.com, #eloan, #wells #fargo #bank, #cendant, #gmac, #safeway, #vons, #dominick’s, #flybuys, #sack #’n #save #e-rewards, #travel #for #free, #free #travel, #amtrak #guest #rewards, #td #ameritrade, #sharebuilder, #clickrewards, #click #rewards, #milesmall, #miles #for #shopping, #frequent #flyer #programs, #airline #awards, #gary #steiger, #airline #mileage, #loyalty #programs, #bonus #programs, #loyalty #programmes, #bonus #miles, #mileage #plus, #affinity #credit #card, #mileage #junkie, #free #travel, #skymiles, #network #solutions, #networksolutions, #verio, #creative #generation #communications, #skyhound, #t-mobile, #metrocall, #gsm #wireless, #vodafone, #mobal, #1-800-prepaid, #global #one, #teleconferenceusa, #college #plus


    #

    free frequent flyer miles, free frequent flier miles, free airline miles, cheap frequent flyer miles, cheap frequent flier miles, cheap airline miles,miles, deals, earn miles online, credit cards, financial offers, miles for shopping, value of miles, value of frequent flyer miles, frequent flyer, United, United Airlines, American, American Airlines,AAdvantage, Alaska Airlines, Delta, Delta Airlines, USAirways, Northwest, Hawaiian, Hawaiian Airlines, Grupo Taca, Lacsa, earn Frequent Flier Miles, MyPoints, BonusMail, e-rewards, travel for free, free travel, American Express credit card, Visa credit card, MasterCard, Master Card, Starwood American Express, Amtrak Guest Rewards, Marriott Rewards, Holiday Inn Priority Club, U.S. Savings Bonds, TD Waterhouse, E-Trade, CSFBdirect, Ameritrade, ClickRewards, Click Rewards, MilesMall, miles for shopping, frequent flyer programs, airline awards, Gary Steiger, airline mileage, loyalty programs, bonus programs, loyalty programmes, bonus miles, Mileage Plus, affinity credit card, mileage junkie, free travel, SkyMiles, Hilton HHonors, Hilton, HHonors, College Plus, Smarter Living, WebFlyer, FrequentFlyer.com, The Mileage Workshop, FrequentFlier Forum, Frequent Flyer Forum, FlyerTalk forum.

    This site requires a browser that can handle frames. The latest Microsoft and Netscape browsers can do this, and they are free. I don’t know what AOL, LENOX, and UNIX based browsers can do. Please let me know if you are using one of these and are reading this.

    I use frames only to provide convenient indicies to large pages. Someday I might get around to providing a no-frame version of my site, but doing this is tedious, time consuming, and not very interesting. I would rather add new stuff to my site. I think it would be easier for you to download a new browser than for me to provide a no-frames version. If you disagree, please politely tell me why .


    Human Resources Management – MacEwan University #hr #certificate #online #canada


    #

    Human Resources Management

    No Information Sessions Found

    A diverse, complex and global job market these factors translate into an increasing need for organizations to differentiate themselves through their people practices. Welcome to the world of Human Resources Management, where the pressure to find and retain talented employees requires skilled professionals who can implement forward-thinking practices in the areas of employee compensation, staffing, training and development, and employee relations.

    MacEwan s Human Resources Management program prepares you for a career in HR with a comprehensive, no-nonsense program of study. A balance of practical skills and strategic thinking, the program delivers both general management skills and the very latest in HR-specific training. Subjects include organizational behaviour, labour relations, recruitment and selection, employment law, workplace health and safety training, compensation, and change management.

    The program also offers a certificate exit option after completion of the first year of study, and students who complete the full diploma, can transfer directly to the third year of MacEwan’s Bachelor of Commerce degree – so you can graduate with both a specialized diploma AND a degree.

    CPHR Accreditation

    MacEwan University s Human Resources Management program is now accredited with the Chartered Professionals in Human Resources of Alberta (CPHR). As one of Alberta s post-secondary institutions offering this to students, MacEwan University makes another move to prepare their graduates for success in their careers.

    What does this mean?

    • The HR courses you take align with the content tested on the CPHR Designation National Knowledge Exam, making you eligible to have the National Knowledge Exam (NKE) of your designation waived.
    • Graduates from 2012 and onwards who meet the requirements are eligible.

    The fine print:

    • You must have a minimum cumulative GPA of 2.7 in the program.
    • In addition to the NKE portion of the CPHR designation you will also need between three to eight years of professional level HR work experience to achieve the CPHR Designation. Please consult the CPHR website for information on the exact number of years of experience required based on your educational background.
    • You must pay the NKE exam fee when applying to waive the exam.

    Visit the CPHR Alberta Designation page which outlines the process required to achieve the designation, and includes information on how to waive the NKE.