The efforts of people to make money in unusual ways is growing. In the UK, the number of insurance fraud animals in a way that increasingly varied skyrocketed during 2010.
In fact, more and more pet owners are killing their own pets to be able to claim the insurance money.

This shocking fact revealed by the British Insurance Association, as published Daily Telegraph, Sunday, November 13, 2011. They noted an increase in insurance fraud than 420 thousand pounds (Rp 6 billion) in 2009 to 1,929,900 pounds (Rp27, 7 billion) in 2010.

Insurance agents believe, a form of fraud that dilakukukan among pet owners who try to get rid or kill the animal, and then claim the insurance money to cause early death. Even the worst, the animal probably never existed.

Another way of deception is the owner who intentionally injure the animal in an accident that made-up to cover injuries or conditions that are not reimbursed insurance. Another form of fraud that was deliberately removed from the animals because of the partial guarantee insurance that pays claims if an animal is lost or stolen.

Another tactic that terendus by insurance companies is the claim for actual veterinary care is never a given, not required, or more expensive than it should. Insurers suggests the involvement of veterinarians in this regard.

A large insurance agents revealed that between 2008 to 2010, the number of suspicious claims pets up to 440 percent. “I am aware of pet owners who deliberately maim their pet in order to submit an insurance claim,” said Carrys Clarke, a lawyer who also worked as an insurance fraud investigator.

“The increase in insurance fraud is quite significant. Fraud is most detrimental to animal insurance agents and insurance premiums will have an impact on others in the future,” said John Ellenger, manager of animal insurer More Than.

Society Indonesia so far still have the perception that insurance is a luxury. Insurance is considered as an ideal item aspired and expected to be achieved with increasing income. It was said to be chairman of the AIA Peter J. Crewe and Chief Marketing Officer of AIA Ade Youngest d Tuesday.

It is said Crewe, but it’s still a lot of people are less aware of the importance of anticipating the risk of life in the future, such as hospitalization, accidents resulting in disability, as well as the treatment of critical illness and death.

Top mistakes of perception, then conducted a study that aims to build public understanding of the needs of protection and seeks to bridge the gap protection through products and services owned. “AIA finance to assess the importance of having optimal protection, comprehensive and holistic in every life by doing research,” he said.

This study, said Ade, indicates that the majority of the population of Indonesia does not have adequate insurance. The difference between the protection needs and funds available to cover such protection is USD 105.7 million / family. The survey was conducted in the period July 2011-September 2011 with 1208 respondents in 10 cities. The survey was also mentioned by 60 per cent of respondents did not have insurance or a reserve fund to protect themselves (protection) himself or his family in anticipation of health risks.

The conclusion from the results of this study are still very few people of Indonesia who have life insurance. “Under these conditions, then we hope that through educational workshops, exhibition events, seminars and financial instruments can assist communities in understanding and awareness of insurance,” said Ade Youngest.

The insurance industry in 2012 will experience growth of approximately 25 percent to 30 percent, said Department Head of Bancassurance Channel Distribution Life Insurance Association of Indonesia (AAJI), Handojo Gunawan Kusuma.

On Wednesday, he said that the increase in growth was driven by increased market share in the segment of the middle class to bottom.

“The population of Indonesia society’s fourth largest in the world with 238 million inhabitants. Of this amount still many who do not use insurance,” he said.

Seeing its development, he considered, insurers in various parts of the world will continue to experience growth, particularly in developing countries, including Indonesia.

With an average growth of double digits through 2014, according to him, then the total assets of life insurance industry is estimated to reach Rp 500 trillion.

“Until now the industry’s total assets had reached Rp249 trillion souls,” he said.

Meanwhile, Head of Distribution Channel AAJI, Oemin Handayanto, said that efforts to increase public awareness of insurance must involve all parties, including the government and the insurance company itself.

“The government could help strengthen education in the field, while the insurance companies also do not ever tired to strengthen the performance of his agent,” said Oemin.

Charleston, South Carolina, United States – A mother from South Carolina who report to the police his son had killed three family members and himself, was indicted on charges of killing in order to obtain insurance money, police said.

Susan Hendricks (48) charged with killing two boys, ex-husband and her stepmother after being arrested at a motel on Monday night, police said.

He was also charged with possession of a weapon during the criminal action – a gun that is stored in the small closet.

Police were called to a house in Liberty, South Carolina, on October 14, said Pickens County Assistant Police Chief Tim Morgan.

Based on the investigation at the crime scene (the scene), forensic evidence and interviews with family members, police concluded that the information submitted Hendrick is not true, he said.

Family members told police about the true motives Hendrick, the insurance money. Based on police reports, Hendrick will receive insurance money is the number doubled from the victim if the action succeeded.

Chairman, Department of Geophysics and Meteorology Faculty of Mathematics and Natural Sciences, Bogor Agricultural University Dr. Rini Hidayati propose to the government to provide insurance coverage to farmers due to climatic uncertainty.

“The role of government in agriculture is necessary, because at this present season, in which the weather or climate is no longer hostile, then the farmer must be insured, so what if there is crop failure, farmers do not lose money to pay a premium (bill) because the government will overcoming it, “he said through a press release PR IPB in Bogor on Tuesday.

He said, contrary to the good harvest time, farmers will feel the results of the plant itself.

“So farmers do not worry about crop failure if they can get new things from the government, because the farmers themselves who will accept the claim,” he said.

He proposed that the aid and defense of government to farmers in the form of notice and knowledge of climate index as well as agricultural insurance is required by farmers.

“So that created the conditions in which farmers will be more eager to grow crops because they do not fear going to lose, and the results obtained will be abundant,” he said.

The impact, according to him, commodity prices will stabilize, and communities in need is not difficult to obtain.

Thus, he says, global agriculture will increasingly fertile Indonesia and in turn will create a country that is able to provide adequate food.

According to Rini Hidayati, defense of government to farmers, because now it has always been a victim, be it a victim of the price game, the climate or weather and pest attacks.

“One of the most dominant factor for the farmers failed to harvest is the climate, because in recent years or said to be uncertain climate extremes, where droughts and the dry season would be flooded in the rainy season,” he said.

According to him, farmers who most profoundly ignorant about the climate becomes powerless accept circumstances, such as this.

He considered the preaching of the Meteorology, Climatology, and Geophysics (BMKG) on the climate of a general nature only and preach things globally, so do not touch to anything more specific.

Life Insurance Sinarmas now renamed Sinamas MSIG Insurance.

Life Insurance PT Sinarmas officially changed its name to PT Sinarmas MSIG Insurance took over the company Mitsui Sumitomo Insurance Co., Ltd.. With the change of name and composition of these shareholders, Sinarmas MSIG Insurance claims to be the company with the largest capital in Indonesia.

“Through the endorsement letter, then we also officially changed the name to PT Sinarmas MSIG Insurance,” said Director of PT Sinarmas MSIG Insurance, IJ Sugeng Wibowo during a press conference at the Hotel Kempinski, Jakarta, Thursday, August 18, 2011.

Sugeng said, the certainty of this name change after the issuance of the letter obtained approval from the Ministry of Justice and Human Rights-32784.AH.01.02 AHU No. 2011 dated July 1, 2011 and letter from the Ministry of Finance No. S-876/MK.10/2011.

With the entry of Sumitomo, the current shareholding Sinarmas owned insurance company is changing. Noted, Tbk PT Sinarmas Multiartha have a 50 percent stake and the rest is held by Mitsui Sumitomo Insurance Co., Ltd..

“What is certain is joining Mitsui Sumitomo Insurance Co., Ltd. and PT to PT Sinarmas Life Insurance Life Insurance Sinarmas MSIG Indonesia has the largest capital Rp8, 5 trillion,” he said, adding Sugeng Sumitomo had to inject capital amounting to Rp 7 trillion and Sinarmas Rp1, 5 trillion .

The plan, said Sugeng, the total capital Rp8, 5 trillion will be allocated for business expansion which has already run the company.
A number of business expansion include the development of distribution channels, and marketing agencies, and increase business development efforts sharia.

Especially for business sharia, Sinarmas MSIG Insurance confirms the business separation plan (spin off). Currently, the effort was being prepared by the company. Targeted, this corporate action can be completed in 2 years.

Currently, Sugeng resume, business development company owned sharia is still quite small. Nevertheless, the growth of the business is getting better.

Assets of shariah business unit first half of 2011 totaled Rp82, 9 billion, up more than 100 percent compared to the first half of 2010 amounted to Rp41, 3 billion. “The first half of 2011 is very small, but the first half of 2010 compared to a big increase,” he said.

Meanwhile, in terms of profits, business unit sharia Sinarmas Life Insurance recorded a net profit print Rp4, 9 billion, or jumped 250 percent compared to the first half of 2010 amounted to Rp1, 4 billion.