The Second President Of The United States Andrew Jackson

The seventh president of the United States Andrew Jackson was highly impacted in many ways. Jackson was represented as a villain because of his work against violating rules and hurting many people by his actions on trying to veto the constitution and taking control over the national bank. Also, Jackson was apart of the Trail of Tears because of many Indians being migrated to the west and he ignored the Supreme Court. Jackson viewed himself as a hero for multiple reasons. He became more beneficial to the nation by strengthening the economy to get rid of national debt and allowing opening up new land to make people civilized. Although, he did many good undertaking for the United States of America, he is not a hero he is a villain. Andrew Jackson was a villain when working against violating rules and hurting many people by ignoring higher representatives. Jackson action on vetoing the constitution leads up to an affective outcome. In document E, Jackson conviction is to a limited federal government and the protection of states and rights. He viewed the bill as an overhead of the federal government that may cause a harmful debt. However, Andrew Jackson tried to veto the constitution to have extent rule and a continuation for new power. Jackson is a villain because he tried to veto the constitution and considered the bill to authorize towards many states and purpose for many people. â€Å"Embark in the construction of roads and canals, and the extent to which it may impose burthensShow MoreRelatedAndrew Jackson : The Second President Of The United States Of America1733 Words   |  7 Pages Andrew Jackson, the seventh president of the United States of America, brave, tough, and mean as a snake but how did he g et that way? He was born in South Carolina to his newly emigrated family. His father died soon after he was born, so his mother raised three kids by herself and some Irish immigrant farmers. When he was thirteen he and his brothers joined the Revolutionary war to fight the British. His oldest brother died in battle, but Jackson and his other brother were captured. Jackson disobeyedRead MoreAndrew Jackson : The Second President Of The United States1580 Words   |  7 PagesAndrew Jackson, more commonly known as the seventh president of the United States, was a symbolic figure of the democratic advances of his time (1767 – 1845). He was also able to strengthen the power of presidential office in America. His journey to these accomplishments was not always easy but he was still a strong enough man to make them happen. Andrew Jackson was born March 15, 1767, in a settlement called Waxhaw. This settlement was made up of Scotch-Irish immigrants and located in along theRead MoreThe Contributions Of The Jacksonian Era1217 Words   |  5 Pages Andrew Jackson was president for only two terms, but he left behind a legacy that lasted for many years. His legacy lasted so long they named an Era after him, the Jacksonian Era. Andrew Jackson was unlike the presidents before him, and he was considered the first modern president. I agree that the Jacksonian Era was a pivotal period in American History when the role of the Federal Government and the President were redefined. Many changes occurred during the Jacksonian Era like the issue of slaveryRead MoreAndrew Jackson : Good President845 Words   |  4 PagesPresident Andrew Jackson Andrew Jackson helped to provide for a strong protection of popular democracy and individual liberty to the United States. Andrew Jackson known as the people’s president held a strong emotion in the states right’s which advocated to the increase of executive power. President Andrew Jackson was good for his country, because he provided certain decisions that helped form America into a better place than where it was before. President Andrew Jackson showed significant positivesRead MoreThe Doctrine Of The United States Essay1598 Words   |  7 PagesPurchase. 1824 Election John Quincy Adams vs. Andrew Jackson (and William H. Crawford and Henry Clay); John Quincy is elected by decision of the House of Representatives; only election in which the presidency had to be decided by the House because no candidate received a majority of electoral college votes and the only election in which the president with the most electoral votes was not elected president. Corrupt Bargain Election of 1824- No president received a majority of electoral votes leavingRead MoreAndrew Jackson Essay1451 Words   |  6 Pages Andrew Jackson strongly opposed the Second National Bank of the United States. The Panic of 1819 was a key motivator for the destruction of the Second National Bank for Andrew Jackson and many Americans (Shepard Software â€Å"Andrew Jackson†); it left many Americans unemployed and hundreds of businesses bankrupt especially farming businesses. A lot of the blame of the Panic of 1819 was put onto the Second Bank of the United States (Remini, American Empire, 164), and Jackson strongly believedRead MoreAndrew Jackson1431 Words   |  6 Pages Andrew Jackson, the seventh president of the United Stated of America, was born on March 15, 1767 and died on June 8, 1845 in Nashville, Tennessee. Jackson’s parents Andrew and Elizabeth Hutchinson Jackson were Presyberitains, Scots-Irish settlers whom in 1765 emigrated from Ireland. And rew’s birthplace is deduced to have been at one of his uncles houses in the Waxhaw’s area between North Carolina and South Carolina, his exact whereabouts is unknown. Jacksons mother emigrated across the AppalachianRead MoreAndrew Jacksons Presidency Essay524 Words   |  3 PagesAndrew Jackson was like no other president before him. The previous presidents had one thing in common, they were all part of the founding fathers or in John Quincy Adam’s case was the son of a founding father. However Jackson was a plantation owner from the west who had no connections with the government. He also had different views from other presidents that made his presidency unique. Two things that separated Andrew Jackson’s presidency from previous presidencies were he reached out to the commonRead MoreThe United States Presidential Office1620 Words   |  7 Pages The United States presidential office during the time period of 1829-1837 belonged to the nation’s se venth president, Andrew Jackson. According to the people he was the â€Å"Common Man’s President.† Jackson saw more of the potential this country had then what was already laid out. Jackson fought hard for what he believed in, and this country was one of those things. During his presidency he was faced with many hard decisions, but only a couple truly stand out: the â€Å"Kitchen Cabinet† , the Indian RemovalRead MoreAndrew Jackson And Theadore Roosevelt Essay1169 Words   |  5 PagesAndrew Jackson and Theodore Roosevelt were two men with very many things in common. They both were Presidents in the United States of America at some point in time. They each have served many years as some sort of governor with Jackson being the military governor of Florida and Roosevelt being the governor of New York. Roosevelt and Jackson were major influences towards this country. But even with those similarities between them they were two men with differences. One was a big m ilitary man while

Heatlhy Eating Free Essays

string(23) " these types of foods\." Healthy eating and exercise will help in the prevention or maintenance of sugar levels thus lowering the chance of developing diabetes and/or other illnesses. A well balanced diet and regular exercise are important for a healthy lifestyle to avoid these health issues. There are certain benefits and important reasons for eating healthy. We will write a custom essay sample on Heatlhy Eating or any similar topic only for you Order Now Eating healthy allows the body to operate more efficiently, so that the numbers of visits to the doctor’s office related to digestion or the lack there-of are kept to a minimum, and a better quality of life can be enjoyed. This paper will discuss the benefits of healthy eating, controlling diabetes and prevention of other diseases and illnesses. There are significant benefits of feeling better. For one, a healthy lifestyle promotes feeling better through exercise, and taking advantage of activities that are not regularly participated in, because of the way the body feels. Feeling better will also boost metabolism. This means the body does not feel tired and could potentially encourage a daily exercise plan. Exercising will get the cardiovascular, lungs and stigma pumping. This exercise plan could aid in the prevention of unwanted medication due to fatigue, being overweight and generally not feeling well. Just moving about and being active can work certain parts of the body. When the body feels good it releases adrenaline. Adrenaline helps with daily activities. Walking or running on a daily basis will provide the body with some kind of physical activity. Feeling better alone with healthy eating is a key essential to maintaining a healthy lifestyle. More than a decade ago, the U. S. Department of Agriculture created the Food Guide Pyramid. This simple illustration conveyed in a flash what the USDA said were the elements of a healthy diet. The Pyramid was taught in schools, appeared in countless media articles and brochures and was plastered on cereal boxes and food labels (Willett, 2000, 2005). From EAT, DRINK, AND BE HEALTHY by Walter C. Willett, M. D. Copyright  © 2001, 2005 by the President and Fellows of Harvard College. Reprinted by permission of Free Press/Simon Schuster, Inc. The Healthy Eating Pyramid sits on a foundation of daily exercise and weight control. Why? These two related elements strongly influence ones chances of staying healthy. They also affect what and how you eat and how your food affects you. (Willett, 2001, 2005) Does the body need three meals and two snacks between meals daily? Well, listen to what the body says. One way to listen to the body is to stop eating when the stomach feels full. When the stomach feels full, do not continue to eat. Feeling stuffed will cause fatigue, a sluggish and tired feeling accompanied with feeling uncomfortable. Do not over eat; this could result in stretching the abdomen. â€Å"Eating healthy foods provides your body with energy, strengthens your immune system and improves your ability to stay fit† (Segal, 2000). Another reason eating healthy foods is essential is it provides the body with nutrients needed to maintain energy levels throughout the day. A person will feel better and have higher sustained energy levels that could last until evening or when it is time to retire for the day. Here are some suggestions that should be used to start eating healthy. They recommend to develop a routine meal plan for daily meals and snacks. First, learn to not skip meals especially breakfast; a balanced breakfast is recommended every morning. Providing the body with breakfast in the morning is like starting the motor of a car with a full tank of gas. If there is no gas in the tank, the car will not run. With a full tank of gas, the car is able to run for days. By providing the body with fuel in the morning, the body is started for the day. When planning a routine meal plan for eating healthy, think about if the body weight is normal. If the body weight is normal, three meals a day and two snacks between meals can be enjoyed everyday. Snacks can be enjoyed between meals if hunger is experienced. Some suggestions for eating healthy without piling on calories are to eat raw foods like salads combined with low fat dressings. Drink plenty of water to dilute toxins the body stores, which could leave a sluggish feeling. If drinking water is boring, natural fruit juices low in sugars can be substituted. Healthy eating can prevent certain types of diseases and high cholesterol. When shopping for food at the grocery store, purchase certain foods that are low in saturated fats, low fat or skim dairy products. Try to avoid a large amount of red meat. Purchase meat products that are high in protein and buy products that have some fiber in them. Foods that are high in saturated fats and cholesterol are known to cause blockage in the body arteries. When these arteries are blocked, the blockage will cut off the supply of blood to the heart. If the heart does not get the oxygen it needs, this will result in a heart attack. Dairy products such as milk, ice cream, butter and cooking ils are high in fats and should be given careful consideration when being purchased. The reasoning for not eating a large number of red meat products is because these meats are high in cholesterol and the body produces its own cholesterol. Cholesterol is found in our hormones and in bile acids for digestion purposes. When cholesterol is deposited into the body from the food we eat, the ch olesterol goes into the arteries that could result in a blockage of the arteries. The coronary arteries narrow with high cholesterol foods. A person can develop angina, or result in a heart attack. Foods we can eat to maintain a healthy body have carbohydrates low in total fat, non-dairy products, soy products, skinless chicken, fish e. g. salmon, cod, trout, and nuts. There are benefits to eating these types of foods. You read "Heatlhy Eating" in category "Papers" Eating these types will provide the body with the nutrients the body needs to stay healthy. Carbohydrates low in fat, reduce the amount of starch the body will absorb. These starches found in carbohydrates turn into certain sugars once it passes through the digestion track. Too much sugar in the body can be filtered into the blood. If there is a family history of diabetes, I would suggest being mindful of products purchased high in carbohydrate and sugars. This is why it is recommended to purchase products low in carbohydrates because as the body ages it unable to breakdown these products as effectively as it did when the body was younger. As the body ages, the body loses certain hormones that are not reproduced therefore compromising overall health. Sugars are measured with a glycemic index (GI). The glycemic index measures how fast carbohydrates are digested when it enters the bloodstream which raises the blood-sugar levels in the body. When foods with a low glycemic index enter the bloodstream the insulin trigger is slower contributing to a steadier blood sugar level. When foods have a higher glycemic index entering the blood stream quickly, it causes the insulin to respond more quickly resulting in large blood sugar swings. This is why it is so important to balance carbohydrates each meal since the effect of one food offsets the other, and all foods turn into sugars to fuel the body. Non-dairy products are recommended in practicing good choices for healthy eating. There are a couple of good reasons for purchasing non-dairy products. Non-dairy products are low fats. Non-dairy products provide the body with the benefit of getting some extra protein in the diet. An additional good product to include when making good quality choices for healthy eating is soy. There are many benefits for including soy in a daily diet routine. Soy is high in protein. Soy can be substituted for red meat. Soy comes in a variety of forms. Soymilk is a non-dairy product. Soy products can be purchased in hamburger, hot dog, sausage, bacon, buffalo wing and host of other forms. It is possible to find soy products in a grocery store. There are many different brand names to choose from. In some studies, soy has been known to reduce hot flashes in women during menopause. Soy products can be used with hormone replacement therapy. Skinless chicken is another product that is beneficial for healthy eating. Chicken also provides the body with protein. Removing the skin from the chicken is important for a couple of reasons. One reason for removing the skin is, so the body does not absorb all the fat that is stored in the skin. The fat from the skin contains and holds toxins that are not good for the body. These same fats produce starches and sugars in that could aid in blockages in the arteries over time. By simply removing the skin from the chicken that is one step forward in practicing good eating habits. Fish alone is good for the body. Fish has certain oils that aids in the production of a healthy heart alone with providing the body with good saturated fatty oils. If fish is not a favorite to eat, a supplement of fish oil caplets or pills can be included in a daily diet routine. Nuts are also an enormous source of nutrition with any diet plan. Nuts are an excellent source of protein, minerals and other nutrients found beneficial to the heart. According to the FDA in July, 2003, it is suggested that eating 1. 5 ounces of some nuts as part of a diet low in saturated fat and cholesterol, may reduce the risk of heart disease. Six of the healthiest nuts to choose from are: walnuts that contain the antioxidant compound ellagic acid, which is known to fight cancer and support the immune system; almonds are rich in potassium, manganese, copper, the antioxidants vitamin E and selenium, and calcium. Just a quarter cup of almonds contains as much calcium as a quarter cup of milk. Cashews are lower in fat that other nuts and 90 % of the fat found in cashews is oleic acid, the heart-healthy fat found in olive oil. Eating three quarters a cup of pecans can help lower bad cholesterol (LDL) and help clear the arteries. Brazil nuts are rich in selenium which may help with breast cancer. Macadamia nuts are also a good source of protein, fiber, healthy monounsaturated fats, potassium and magnesium. These nuts are also shown to lower bad cholesterol (LDL) just as the pecans do. As with all daily routine diets, a good multivitamin is recommended. Even though this meal plan is a good choice for healthy eating, a multivitamin can be used in conjunction to maximize the benefits of healthy eating. There are a variety of multivitamins to choose from. Choose the multivitamin that best fits the body and lifestyle. Vitamins come in a host of categories. Vitamins can be purchased depending on the age of a person and other factors. For younger adults who are very active, a multivitamin choice may be a multivitamin with a higher percentage of B6 and B12 for energy. For older adults with a calcium deficiency a multivitamin high in calcium would be a good choice. Whatever the need, there is multivitamin suited for the body and all lifestyles. To ensure that the multivitamin being purchased is tailored for the body and lifestyle, check with a doctor or pharmacist for help in choosing a good multivitamin. Therefore, by following a basic guideline for healthy eating, the benefits of feeling better will be greater, and there will be fewer trips to the doctor’s office and a reduction in diseases and illnesses. A better quality of life can be enjoyed with a healthy diet and exercise. References Kemp, J (2001). Preventing and Healing heart disease. Healthy guide. org. Retrieved 01-07, 2009, from http://www. helpguide. org/life/healthy_eating_diet. htm Bray, G (1988). Partnership for a Healthy Management. Obesity Part 1 Pathogenesis, 149, Retrieved 01-07-2009, from http://www. consumer. gov/weightloss/bmi. htm Dorsey, J (2001). Diabetes diet and Nutrition. Healthy guide. org. Retrieved 01-07, 2009, from http://www. helpguide. org/life/healthy_eating_diet. htm. Segal, J (2001). Healthy Eating: Tips for a healthy diet. Healthy guide. org. Retrieved 01-07, 2009, from http://www. helpguide. org/life/healthy_eating_diet. htm Willett, W (1988). Eat. Drink, and be Healthy. Free Press/Simon Schuster, Inc. , Retrieved 01-07-2009, from http://www. hsph. harvard. edu/nutritionsource/pyramids. htm Chordas, L. (Dec 2008). One life to live: employers extend retirees’ wellness programs and benefits in order to trim rising health care costs. (Health/Employee Benefits: Wellness Programs). Best’s Review, 109, 8. P. 48(4). Retrieved January 07, 2009, from General OneFile via Gale: http://find. galegroup. com/ips/start. o? prodId=IPS Stengler, M. (2008, November). Spotlight on diabetes. Alive: Canadian Journal of Health Nutrition, Retrieved January 7, 2009, from Alt HealthWatch database. Wedro, B. C. (2009). Heart Disease. 2009 MedicineNet, Inc. Retrieved January 16, 2009, from http://www. medicinenet. com/heart_disease/article. htm Wells, K. Odle, T(2005). Exercise. In Jacqueline Longe (Ed. ), Gale Encyclopedia of Alt ernative Medicine, Vol. 2(2nd ed. , pp. 722-726). Detroit: Gale. Retrieved January 07, 2009, from Gale Virtual Reference Library via Gale: http://find. galegroup. om/ips/start. do? prodId=IPS Active People Can Make Mistakes Too – In Their Diet That Is; American Council on Exercise (ACE) Lists Top Nutrition Mistakes Made by Active People. (Nov 9, 2004). PR Newswire, p. NA. Retrieved January 07, 2009, from General OneFile via Gale: http://find. galegroup. com/ips/start. do? prodId=IPS Ask Dr. Sears Family Nutrition/Sugar Retrieved on 1-25-2009 http://www. askdrsears. com/html/4/T045000. asp#T045005 Barrie – Advance,1 (2008, November 10) Healthy workplaces recognized Retrieved January 07, 2009, from Canadian Newsstand Torstar database. Document ID: 1592924671). Partnership for healthy weight management- Body mass index. Retrieved January 16, 2009, from Nursing Standard, 23(10), 17(2008) Upward mobility in the workplace encourages healthy lifestyles Retrieved January 7, 20 09, from Career and Technical Education database. (Document ID: 1599494081). Six wise. If You are Nuts About Health, Try the Top 6 Healthiest Nuts. Retrieved 01-25, 2009http://www. sixwise. com/newsletters/05/06/29/if_you_are_nuts_about_health_try_the_top_6_healthiest_nuts. htm How to cite Heatlhy Eating, Papers

Managing Dynamic Environments Industry

Question: Discuss about the Managing Dynamic Environments Industry. Answer: Introduction: In the current business situation, the Airline Industry is growing very fast and has become as the highest profitable business around the world. Emirates Airline was started in the year 1985. At the time of its initiation, the company had only two aircraft. It is a subsidiary of Emirates Group that is wholly owned by the Dubais Government. Emirates Airlines is the largest airline industry in the Middle East, with operations of around 3,600 flights per week from its hub i.e. Dubai International Airport. With the initiation of just two aircraft, the company is now worlds third largest airline. Today, the institute flies the worlds largest fleets of airbus A380s and Boeing 777s. The company aims in comforting its customers of the latest and with most-efficient aircraft. This airline industry is now operating in more than 60 countries with around 160 destinations (Logothetis Miyoshi, 2016). The slogan of the company to keep deserving portrays that the company is full of innovative ideas and always maintains a healthy competitive environment. Identify triggering event that might signal a need for change. The main event of the Emirates that need to change is the working and living conditions of the Cabin Crews. As the members have to adapt to living in different culture and have to deal with a difficult and demanding customers, Emirates Management can adopt changes to enhance the situation of these individuals. The company is always criticized for its lack of focus towards the cabin crew members (Bergman Gillberg, 2015). As the cabin crew members work in a much-disciplined manner, the management of Emirates should bring some positive change in it. Conduct a SWOT analysis of the organization. Strengths As a global and competitively recognized industry, Emirate airlines have been able to maintain a solid strategic position in the global market. With several years of disciplined work, the company has outshined its most competitors and managed to become a global firm. Here are some of the strengths of this mighty company: The major strength of the company is its background as the company is totally owned by the Dubais government. As Dubai headquarters of many of the global firms, huge figures of people have to travel the country daily. Emirates Airline also have the advantage of size The company also has a strong and efficient workforce that is over 50,000 employees. The decision of the company to focus on the diversified markets and by also considering the cargo shipping. The customer service of the company is also at its very best (Logothetis Miyoshi, 2016). Investment in the A380 Airbus, which is the worlds most fuel-efficient planes. The ability to continuously improve their services in the airline while efficiently managing the necessities of the target markets. Weakness The major weakness of the Company is the unsuccessfulness of its some approaches and diversification. The company is criticized for focusing too much on their high-end acquisition and diversifications decisions. Some of the major weaknesses of the company are: The company has to face stiff and intense competition with its rival companies that indicate that the company has a limited market share. The company has to incur a huge cost as to maintain the bench strength. The company relies heavily on the moving traffic of the international business (O'Connell, 2006). The criticism that the company operating profit is based on the low wages paid to the workers, such as baggage handler, cleaners, caterers and other low-grade workers. The corporation does not stream much flight to the different places in the US which is the worlds leading economy country. Does not have many flights for the middle class and budget traveler. Opportunities Having long-term competitiveness enhances the ability to continuously new generations to be more advanced and efficient airline services. Here are certain opportunities that the Company has: A chance to progress and endure the revolution of advanced airline amenities. Emirates airline could enter into some more markets as a result of the innovations in the airline services. As China and India are the most populated countries and is also in the list of growing economy, Emirates could invest there with some more flights as these countries have a greater demand of air movements (O'Connell, 2006). The corporation could take particular steps to progress the sureness of the customers of the airline. Globalization is in its altitude, so Emirates should look out for newly developed industrial zones and should start some flights there. Threats The major threat for every industry irrespective of the fact to which sector it belongs is its rival companies. Some of the major threats of Emirates Airlines are: Its rival companies, mainly Gulf Air, and Etihad. The firms inability to maintain the recognition of its demand. Low-cost carrier planes, such as Air Arabia, Jazeera Airways. Increasing the price of fuels. Identify a plan to implement the change. For bringing changes in the current situation of the Emirates Airlines, the most successful plan will be the involvement of the Employees (Pearson Merkert, 2014). The specified company should involve the employees at some level. It will help the company for bringing changes in the work process, improving the customer satisfaction and also in finding the ways to reduce the costs. Identify three strategies to sustain the gain. Emirates management has to identify its capabilities and competitive advantages to understanding how to gain advantages in the field. Three strategies that Emirates can adopt to sustain competitive advantage are: Cost leadership: this strategy helps the company to sell its services at a lower cost than its competitors. It is a non-practical industry as it requires high investment to achieve the economies of sale. Differentiation: in this strategy, Emirates can distinguish its services from its competitors through its fractures and services (Pearson Merkert, 2014). The Company will be able to charge a premium price for its services and can earn profits that will more than the average profits. Focus: This strategy helps the company to reach a position. As Emirates is already a global firm, The Company will be able to maintain its position. With a focus strategy, Emirates will be able to gain competitive advantage. References Bergman, A. Gillberg, G. (2015). The Cabin Crew Blues. Middle-aged Cabin Attendants and Their Working Conditions. Nordic Journal Of Working Life Studies, 5(4), 23. https://dx.doi.org/10.19154/njwls.v5i4.4842 Logothetis, M. Miyoshi, C. (2016). Network performance and competitive impact of the single hub A case study on Turkish Airlines and Emirates. Journal Of Air Transport Management. https://dx.doi.org/10.1016/j.jairtraman.2016.10.003 O'Connell, J. (2006). The changing dynamics of the Arab Gulf based airlines and an investigation into the strategies that are making Emirates into a global challenger. World Review Of Intermodal Transportation Research, 1(1), 94. https://dx.doi.org/10.1504/writr.2006.011154 Pearson, J. Merkert, R. (2014). Airlines-within-airlines: A business model moving East. Journal Of Air Transport Management, 38, 21-26. https://dx.doi.org/10.1016/j.jairtraman.2013.12.014.

Aviation insurance Essays

Aviation insurance Essays Aviation insurance Essay Aviation insurance Essay Words fall short to express my deep sense of gratitude towards them all, who have imparted their valuable time, energy and intellect towards the beautification of my project. I express my sincere gratitude to our principal our coordinator for their continuous support and encouragement. I extend my sincere gratitude to PROOF. PROHIBIT JITTERS my guide for guiding me throughout the project and for helping me whenever required. I also thank my collage library for also thank My God, My parents and My friends for their contribution towards the project. Objective of the project This project has been undertaken with following objectives in mind: To understand the Insurance Sector in India, its nature functioning. To understand the concept of Aviation Insurance. To comprehend the impacts of the new norms on the functioning of the Insurance sector in India. To understand how these norms are put to practice. This involves understanding of the coalition of input data, the process of data sorting, computing according to the norms, assessing different stress scenarios and the final output of such computations. It also involves close observation of the problems faced in implementation. To draw a parallel of this situation to the Insurance industry as whole. RESEARCH METHODOLOGY Research always starts with a question or a problem. Its purpose is to question through the application of the scientific method. It is a systematic and intensive study directed towards a more complete knowledge of the subject studied. There are two types of data collection method use in my project report. Primary data For my project, I decided on primary data collection method for observing Aviation Insurance Company. For this information I visited to the Reliance General Insurance. Asked the questions to sales manager about the aviation insurance. Secondary data I decided on Secondary data collection method was used by referring to various websites, books, magazines, Journals and daily newspapers for collecting information regarding project under study. Executive Summary Aviation Insurance was first introduced in the early years of the 20th Century. The first aviation insurance policy was written by Loads of London in 1911. The company at an air meet caused losses on many of those first policies. Insurance is one of the most popular in business today since they characterized the new economy acceptance of country boundaries. The purpose of these study the valuation process approaches in aviation by analyzing the insurance corporation case base upon the valuation this report will identify the why aviation insurance is needed. This report the Indian Insurance sector, History of insurance in India, History of Aviation Insurance, products features of Aviation Insurance, Effects Of 9/1 1 Attack On Aviation Insurance INDEX SIR. NO CHAPTER History Of Insurance 9_15 2. Origin Development Of Insurance 16-21 3. History Of Aviation Insurance 22-27 4. Products Of Aviation Insurance 28-37 5. Future of aviation insurance 38-49 6. Case Study 50-58 7. Conclusion Bibliography Aviation Insurance CHAPTER 1 HISTORY OF INSURANCE 1. 1 Introduction Humans have always sought security. This quest for security was an important motivating force in the earliest formations of families, tribes, and other groups. The groups have been the primary source of both emotional and physical security since the beginning of humankind. Humans today continue their quest o achieve security and reduce uncertainty. We still rely on groups for financial stability. With industrialization our physical and economic security has diminished. Mankind is exposed to many serious hazards, which cause stoppage of income. The biggest worry any human being has is the economic worry. He is always thinking of tomorrow and the days to come and he will be planning to meet the demands of his family, his business and that of his own needs. The economic worries may arise due to stoppage of income. Our income dependent, wealth- acquiring lifestyle renders us and our families more vulnerable to environmental and social changes over which we have no control. There may be accidents, sickness disability, or due to premature death of the readiness. It is impossible to prevent such calamities. But it is always possible to provide against the loss of income that may result out of such these perils. Risk is defined as uncertainty of financial loss. If the event were certain to happen, then there be no loss if the event were certain not to happen, then also there is no loss. It is the uncertainty about the time of loss that worries the mankind. Insurance in India The insurance sector in India has come a full circle from being an open competitive market to nationalization and back to a liberalized market again. Tracing the developments in the Indian insurance sector reveals the 360 degree turn witnessed over a period of almost two centuries. 1. 2 An Overview of Insurance Industry Insurance has a long history in India. Life Insurance in its current form was introduced in 1818 when Oriental Life Insurance Company began its operations in Triton Insurance company set up its base in Kola. History of Insurance in India can be broadly bifurcated into three areas: a) Pre Nationalization b) Nationalization and c) Post Nationalization. Life Insurance was the first to nationalize in 1956. Life Insurance Corporation of India was formed by consolidating the operations of various insurance companies. General Insurance followed suit and was nationalized in 1973. General Insurance Corporation of India was set up as the controlling body with New India, United India, National and Oriental as its subsidiaries. The process of opening up the insurance sector was initiated against the background of Economic Reform process which commenced from 1991. For this purpose Malory Committee was formed during this year who submitted their report in 1994 and Insurance Regulatory Development Act (ERDA) was passed in 1999. Resultantly Indian Insurance was opened for private impasses and Private Insurance Company effectively started operations from 2001. 1. 3 Global Standards While the world is eyeing India for growth and expansion, Indian companies are becoming increasingly world class. Take the case of LICK, which has set its sight on becoming a major global player following an Rests-core investment from the Indian government. The company now operates in Mauritius, Fiji, the I-J, Sir Lankan, and Nepal and will soon start operations in Saudi Arabia. It also plans to venture into the African and Asia-Pacific regions in 2006. The year 2005 was a testing phase for the mineral insurance industry with a series of catastrophes hitting the Indian sub- continent. However, with robust reinsurance programmers in place, insurers have successfully managed to tide over the crisis without any adverse impact on their balance sheets. With life insurance premiums being Just 2. 5% of GAP and general insurance premiums being 0. 65% of GAP, the opportunities in the Indian market place is immense. The next five years will be challenging but those that can build scale and market share will survive and prosper. 1. REGULATORY ACTS A number of acts govern the insurance sector The Insurance Act, 1938 The Insurance Act, 1938 was the first legislation governing all forms of insurance to provide strict state control over insurance business. General Insurance Business (Nationalization) Act, 1972 The General Insurance Business (Nationalization) Act 1972 was enacted to nationalize the 100 odd general insurance companies and subsequent ly merging them into four companies. All the companies were amalgamated into National Insurance, New India Assurance, Oriental Insurance, and United India Insurance. Insurance Regulatory and Development Authority Act, 1999 Till 1999, there were not any private insurance companies in Indian insurance sector. The Gobo. Of India then introduced the Insurance Regulatory and Development Authority Act in 1999, thereby De-regulating the insurance sector and allowing and capped at 26% holding in the Indian insurance companies. 1. 5 Regulations for Indian Insurers To protect the interests of holder of insurance policy and to regulate, promote and ensure orderly growth of the insurance industry Insurance Regulatory and Development Authority (ERDA) was established. Under the new dispensation Indian insurance companies in private sector were permitted to operate in India with he following conditions: Company is formed and registered under the Companies Act, 1956. The aggregate holdings of equity shares by a foreign company, either by itself or through its subsidiary companies or its nominees, do not exceed 26%, paid up equity capital of such Indian insurance company. The Companys sole purpose is to carry on life insurance business or general insurance business or reinsurance business. The minimum paid up equity capital for life or general insurance business is crossers. The minimum paid up equity capital for carrying on reinsurance business has been prescribed as crossers. . 6 Role Functions of ERDA: Section 14 of ERDA Act, 1999 lays down the duties, powers and functions of ERDA. Subject to the provisions of this Act and any other law for the time being in force, the Authority shall have the duty to regulate, promote and ensure orderly growth of the insurance business and re-insurance business. Without prejudice to the generality of the provisions contained in sub-section (1), the powers and functions of the Authority shall include. Issue to the applicant a certificate of registration, renews, modify, withdraw, suspend or cancel such registration. Protection of the interests of the policy holders in matters concerning assigning of policy, nomination by policy holders, insurable interest, settlement of insurance claim, surrender value of policy and other terms and conditions of contracts of insurance. Specifying requisite qualifications, code of conduct and practical training for intermediary or insurance intermediaries and agents. Specifying the code of conduct for surveyors and loss assessors. Promoting efficiency in the conduct of insurance business. Promoting and regulating professional organizations connected with the insurance and re-insurance business. Levying fees and other charges for carrying out the purposes of this Act. 1. 7 Functions of Insurance The function of insurance is to safeguard against such misfortunes by having contributions of the many pay for the losses of the unfortunate few. This is the essence of insurance- the sharing of losses and, in the process, the substitution of certain, small loss called the premium for an uncertain, large loss. From an economic perspective, insurance is a financial intermediation function by which individuals exposed to a specified contingency each contribute to a pool from which overfed events suffered by participating individuals are paid. Insurance then is a is an agreement, the insurance policy or insurance contract, by which one party, the policy owner, pays a stipulated consideration called the premium to the other party called the insurer, in return for which the insurer agrees to pay a defined amount of provide a defined service if a covered event occurs during the policy term. The person whose life, health or property is the object of the insurance policy is referred to as the insured. Insurance provides certainty of payment of sum assured at the happening of the event. Since no one can predict the happening of the event in advance, it is not possible to compensate against the loss There is an uncertainty about the time of the event happening. We will not be also sure about the quantum of loss. Provides Assistance to Business Large capital investments on buildings and machinery can be protected against loss by Insurance. The cost of Insurance will be very small compared to the total loss. Provides financial stability to commerce and industry When material damage takes place due to peril, there will be stoppage in production resulting in reduction in profit. Loss of profit Insurance can take care of the loss in net profits in addition to loss of machinery. Insurance serves as a basis of credit Industry and commerce approach banks and financial institutions for financial assistance to develop their business. A collateral security may be necessary to secure against the finance advanced. Insurance policies can provide against such advances. Insurance plays a role in reduction of losses. Insurance companies render advice as to how losses can be minimized by using various safety measures because of their experience. Insurance provides fund for investment The Insurer will have huge funds collected from Insured by way of premiums. These funds are not kept idle, but invested in nation building activities. Insurance earns foreign exchange Indian Insurance companies have branches in different countries, where large volume of business is transacted. This will fetch huge amount in foreign currency. 1. Nature of Insurance Sharing Of Risk Insurance is a social devise to share the financial loss, which may befall individuals due to many events. Whereas it is not possible to share deaths, accidents or sickness, it is always possible to share the economic losses, which come out of Hess events. All persons who are exposed to similar risks come together and share the loss. Co-operat ive Endeavourer In every type of Insurance, large number of persons are brought together to share the loss. They have a common goal biz. , to plan the economic future. Such people come together voluntarily or through publicity or through soliciting. It is the Insurer who compensates the loss of few from the contributions received from many. Value of risk The risk or financial loss is measured in terms of money before insuring. This is done by means of past experience of the Insurer. This will enable him to collect the cost of Insurance in adequate measure. Payment at contingency insured. It may be premature death or end of the term in Life Insurance. In non-life, it may be the happening of the event. Amount of payment In Life Insurance the amount is fixed at the beginning of the contract and full amount is paid at death or end of term. But in other types of Insurance the amount of loss only is paid. CHAPTER 2 Origin and Development of Insurance 2. 1 Introduction Insurance in the modern form originated in the Mediterranean during 14th century. The earliest references to insurance have been found in Babylonian, he Greeks and the Romans. The use of insurance appeared in the account of North Italian merchant banks who then dominated the international trade in Europe at that time. Marine insurance is the oldest form of insurance followed by life insurance and fire insurance. The patterns that have been used in England followed in other countries also in these kinds of insurance. The origin and growth of Marine Insurance, life Insurance, Fire Insurance and miscellaneous insurance are given below: 1. Marine Insurance The oldest and the earliest records of marine policy relates to a Mediterranean voyage in 1347. In the year 1400, a book written by a merchant of Florence, indicates premium rates charged for the shipments by sea from London to Pisa. Marine Insurance spread from Italy to trading routes in other countries of Europe. Marine Insurance in India There is evidence that marine insurance was practiced in India some three thousand years ago. In earlier days travelers by sea and land were exposed to risk of losing their vessels and merchandise because of piracy on the open seas. Moreland has maintained that the practice of insurance was quite common during the rule of Kafka to Rearrange, but the nature and coverage f insurance in this period is not well known. It was the British, insurers who introduced general insurance in India, in its modern form. The Bruisers opened general insurance in India around the year 1700. The first company, known as the Sun Insurance Office Ltd. Was set up in Calcutta in the year 1710. This followed by several insurance companies of different parts of the world, in the field of marine insurance. In 1972, the government of India nationalized the general insurance business by forming GIG. 2. Life Insurance The early developments of life insurance were closely linked with that of urine insurance. The first insurers of life were the marine insurance underwriters who started issuing life insurance policies on the life of master and crew of the ship, and the merchants. The early insurance contracts took the nature of policies for a short period only. The underwriters issued annuities and pension for a fixed period or for life to provide relief to widows on the death of life of William Gibbons for a period of 12 months. Life Insurance in India The British companies started life insurance business in India, by issuing policies exclusively on the lives of European soldiers and civilians. They sometimes issued policies on the lives of Indians by charging extra. Different insurance companies like Bombay Insurance Company LTD. 1793) and Oriental Life Assurance Company (1818) was formed to issue life assurance policies in India. Gradually, the first Indian Company named as Bombay Mutual Life Insurance Society Ltd. Was formed in DCE. 1870. By 1971, the total numbers of companies working in India were 15, out of which 7 were Indian and the remaining were British companies. After several changes have been made for the period from 1930 to 1938, the Government of India passed Insurance Act, 1938. The act still applies to all kinds of insurance business by instituting necessary amendments from time to time. . Fire Insurance Fire insurance has its origin in Germany where it was introduced in municipalities for providing compensation to owners of the property, in return for an annual contribution, based on the rent of those premises. The fire insurance in its present form started after the most disastrous fire in human history known as the Great Fire in London, which had destroyed several buildings. It drew the attention of the public and the first fire insurance commercially transacted in 1667. The Industrial Revolution (1720-1850) gave much impetus to fire insurance. The Nineteenth century marked the development of fire insurance. Fire Insurance in India In India, fire insurance was started during the British regime. The oldest of these companies include the Sun Insurance Office, Calcutta (1710), London Assurance and Royal Exchange Assurance (1720), Phoenix Assurance Company (1782), etc. 4. Miscellaneous Insurance Due to the increasing demands of the time, different forms of insurance have been developed. Industrial Revolution of 19th century had facilitated the placement of accidental insurance, theft and didactic, fidelity insurance, etc. In 20th century, many types of social insurance started operating, biz. , unemployment insurance, crop insurance, cattle insurance, etc. This way the business of insurance developed simultaneously with human and social development. Today, the use of computers in the field of insurance is frequently increasing. Insurance becomes an inseparable part of human development. Miscellaneous insurance are of many types like: Health Insurance All-risks Insurance Consequential Loss Insurance General Public Liability Insurance Burglary Insurance Golf Insurance Money Insurance Fidelity Guarantee Insurance Workmen Compensation Insurance Aviation Insurance which is again a type of miscellaneous insurance, concentrating on each and every aspect of aviation insurance and how it has affected the service sector in recent times. Aviation is the most expensive industry means of transport today. This sector gained importance and created awareness after the 9/1 1 attack on the twin towers of America. After this attack lot of changes took place in the aviation sector and also lot of amendments were made by the law to regulate the aviation insurance contracts. So let us see what these changes are and how aviation insurance forms one of the important part of any countrys insurance sector. 2. 2 Effects of 9/1 1 Attack on Aviation Insurance Following the September 1 1 the attack in the United States, the subject of aviation insurance attracted much attention in the media and elsewhere after aviation insurers worldwide withdrew cover for the specific acts of war and terrorism. As a result, many national governments stepped in to provide temporary insurance cover to ensure that airlines continued flying. Short to medium term solutions At the request of the airline industry the International Civil Aviation Organization established a special group on war risk insurance (SWIG) which, as a short and medium term measure recommended the setting up of an international mechanism funded by insurance premiums to provide no concealable third-party aviation war risk coverage through a non-profit special purpose insurance entity (GLOBAL TIME) with multilateral government backing for the initial years. As a long-term solution the SWIG recommended that an international convention be developed which would limit the third-party liability of he aviation industry for losses arising from war, hijacking and allied perils. Uncertainty ahead? Some four years on from 9/11, most governments have withdrawn guarantees for hull and over to airlines and airport service providers. Notable exceptions include the United States, China and Singapore. The market has now responded with certain insurers offering major airlines limited no concealable third party coverage. Enthusiasm for GLOBAL TIME has waned and a new convention on damage caused to third parties on the ground has yet to be agreed. In Asia at least, the airline industry has experienced a dramatic turnaround in retunes with renewed prosperity. However, as with other classes of catastrophe business, there remain underlying uncertainties in the aviation insurance market that could dramatically change the environment. Convention and statutory limits The Montreal Convention 1999, which governs the liability of airlines in relation to passengers and cargo interests, requires airlines to obtain adequate insurance to cover their liabilities under the Convention. In addition, airlines are required by many states to have minimum insurance limits to cover such liabilities including third party surface damage. After the September 1 1, 2001,

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