[Emotional Essay] Prudential family and World War II

 [Emotional Essay] Prudential family and World War II
Prudential (PRUDENTIAL) Group was established in 1848 in London, so far more than a half century, has experienced numerous disasters and during the baptism of war, including the famous over the company's past can see her future!
saying that the biggest disaster in the history, Prudential Group in World War II period of history can help readers better understand the company. This article is taken from British writer Lu Ruiyi? Dennett book Group's 150 years a sigh of relief, the war also temporarily disappeared. In response to the situation in Europe at this time, the Board to take protective measures. a few days, the Ministry of assets outside the outskirts of London began looking for a suitable property, in case the situation deteriorated. because of the war, if enemy attacks in London, thousands of injuries, coupled with large-scale damage to property, the situation would be disastrous .1938 at the end, the company continued to receive emergency first aid training staff, while also building a large bullet-proof basement Corporation to protect the contract and guarantee safe goods. copies of transaction records and also left and moved to less dangerous country, the company has become the basement bomb shelter, even with its internal power supply, but also the flow of air, water companies are also available at the courtyard.
the company's first priority is to protect the nearly one-third of the total British population of life insurance policy .1938 drafting of the is to enable the company to continue to operate on small mechanisms, and to be independent from the operation of London are not affected. through the winter of 1938, the Ministry of assets or continue to find a suitable second location. when the Government is also seeking suitable land , so we certainly are a big competition. Finally, the company finally settled down in ten Local hh
carrying office equipment, file copy, starting from Holborn Bars to go to the respective segments. special train carrying Quebec claims department to go to Bristol, and the general business sector and the industrial sector is also the last day of August, moved out of London. arrive in their new locations, the company representatives to help to help guide the work. The first task is to help remove administrative records of a large number of departments to this temporary office location. and surprising is that such a large scale evacuation, even very smoothly in to finish. About a week later, the claim department that began payment of compensation. and insurance departments have begun to charge. only lKr, lLr and lMr sector (in London) some of the key staff also continued to perform administrative work in the Holborn Bars. to the June 1940 defeat of France, the enemy may attack from the sea, lMr sector Then retreat to Bournemouth.
When World War I began, everyone believes victory will come soon. But in the spring of 1940, the defeat of a country one after another under attack in Germany, from Members of the war situation that is not burdened with too many expectations and fantasies. The Board believes that the war requires the full support of a large number of human resources and assets. in World War I, it decided to make up for employees to participate in the war between the pay and workforce gap. And the war came with the inevitable increase in the amount of claims is a huge amount of money can not be estimated. the company has more than 28,000,000 in 1939 were insured. All the industrial insurance and general insurance contains a : Insured Ruoyin war deaths, the total amount of the insurance can reduce the terms of the deal. Board of Directors decided in September 7th, 1939, at the time, all because of sea, land and air forces suffered casualties on the war claims who shall be full compensation for h. ..
1940 In the spring, toward the end of the war, false alarm, the air becomes a part of life. In theory, when the air raid sirens sounded during working hours, each person should leave their jobs and go up to the shelter. Each department is assigned a bomb shelter, but when employees are more accustomed to air raids, coupled with the impact point the observer can accurately predict the risk of getting the place, people began to ignore the warning sound off and still continue to work. gas masks at all times and must be readily available in the Department. from the top to the general manager, who issued a letter of transfer, to take turns to whether the roof to detect the location of fire and the enemy. In the incendiary bombs falling to the top of or inside the building, each person will have to use buckets of water or sand to the fight. easy to create explosives or flammable materials clear and present danger, but the danger is not easy to find those who can not explode by the impact of items, these items will usually be found at the head office of the roof, these seemingly silent objects, removal of the experts, often find that they actually have a considerable risk. After continuous slowing slightly after the London bombing, followed by a quiet night under the stars, the staff are to rely on the wall next to the hearts of a meditation-like calm, and the buildings under their feet, but also full of active in vibrant place. However, in bursts of Jixi in, and always must be vigilant, but also against the extreme exertion. fire warning take turns to work with, and bed and meals are always prepared for them in the side . at the head office of the first aid room, staff are on standby around the clock.
a series of bombs falling in the near Holborn, one of which caused serious damage to two staff members, but until 1940 December 29 No, the other a shell corporation was really damaging. this accident took place in London, seriously the first real air raid, the violent explosions of the shells, the destruction of a part of the department stores, also makes the area near the fire. January 16, 1941 incendiary bombs falling, making the observer suffocation, but in the March 8, six heavy ordnance caused more damage. the other in the same year the incendiary bombs falling like rain, are the terrible damage caused, before being stopped on the first, from the broken pipes and sprinkler pipes gush of water also caused a lot of damage. However, in the courtyard in the storage tank were also often played the role of savior, including which 12,000 metric tons of time with the national fire brigade's water to fight a nearby fire. Although the head office escaped significant damage, but also secondary damage, mainly because of guns being kept near the windows of the company damage, sometimes connected to the scene on the roof above the horizon, is a fire scene, and the heat of fires near the formation of even more dramatic picture. near the home, including leather classes Street and Saint Alban Church (Leather Lane and St. Alban), in April 16, 1941, by the heavy bombing. Holborn Bars underground bomb shelter that can accommodate 120 people inside the shop lying in rest, the shelter open at night because of the nearby residents made homeless by the bombing.
Paul Prudential was owned office buildings in the country, there are 99 because of the war damage suffered quite serious, and another around the office (at Coventry lCoventryr. lGreenock Hullr green gram and that Swan Lake lSwansear) is completely destroyed .'s office in Coventry and even had a new building, but in the November 14, 1940, bombing of the large fires, this city has not only destroyed the religious and historical significance of the Catholic church, this building will also building to ashes. and in the vicinity of green gram called the Cleveland game that was (Clydeside) the office of the town, although the enemy in May 1941 after two days of continuous bombing, luckily preserved, but unfortunately because of the bombing was caused by fire near the building who were affected. Duanbicanyuan in the ruins of these two, the only remaining evidence of Prudential evidence in this office, that is, companies which are looking to the safe. In the green that g Office for May 8, 1941 bombing of the fires burned, the making 34,000 homeless individuals. And because the office was destroyed, where there is no other suitable sites, so there is no documentation, no office equipment, There is nothing in the circumstances, we had to move to private accommodation within the office.'s guards and his family died in the incident, but the office in Swan Lake, also occurred the same tragedy. February 1941 on the 10th night of bombing, two powerful bombs in the office makes the Prudential Foundation to be uprooted, and then collapsed, a number of employees were buried under the tiles Zhuandui. In addition to several bombings in this tragedy, caused by building collapsed, casualties, the other in Manchester (Manchester), Yeovil (Yeovil) Plymouth (Plymouth), etc., are also coming disaster. in all locations, employees have become accustomed to transfer files every night to a safe place, but also some heroic act, for example: rescue from a burning building files; another occasion, forcibly collected from the butcher truck, the rescue of the Plymouth office files hh
extended period in the war at the same time, there are more and more people join the army, so to find a suitable replacement personnel, but to retain them, it becomes increasingly difficult. In the spring of 1942, Prudential has 57% of people join the army. a years later, in which non-temporary full male employees of companies (a total of 18,473 people), only 4,350 people remained in the original post.
more Prudential later set up its own in-house committee plan to the company's human more rational and has played a greater effect. In 1943, the company delay the recruitment of staff on the one hand the requirement to recover the one hand, employees in more than make up the new policy, an increase of more than 600 over 35 to assist managers. hh < br> In the temporary staff to 10,000 accounted for the largest part of the President, 1945, the number increased to 15,000, their position in the company's premium income is responsible for every household. Ladies and toll collectors who, while pushing baby carriages, while fees and charges, was a common sight. and when the large-scale evacuation, making the regional office records to become very confusing, the most difficult is that these temporary employee. The company wants to continue to serve policyholders in times of war subject, also because of this and all the more difficult. For example, if hundreds of people from one region to another region in the shortest time, their insurance records are also from the original area to another area. like the following example of this often happens:
in the spring of 1940, two thousand people from the East Pawnee (Eastbourne) is moved to withdraw Tan Han (Cheltenham), in their retreat at the time, and no time to let them leave a note account for the whereabouts of the future. At that time, there is a whole week, Prudential withdrawal Tan Han's office, people are rolling in, the insurance requirements of their transfer. paperwork finally, and only discovered on Friday withdrew tanks Han is a pre-military areas, all the people they must move to another place, a week of work is in vain to say, then, Prudential have a busy man.
sometimes is, a population of the town by a sudden dramatic surge of violence. For example, Number Dayton (Southampton) for recruitment and evacuation, the population reduced to 122,000 from 181,000, between the Prudential 300 people in ordinary streets, only to see 3 individuals. a variety of different situations also impact on the company's operations, such as: people leave, the receipt of this loss, or remain in the country of origin, or stolen, or move to a new place, or return to their shattered homes, But these are not notified of any person. such a situation in air strikes, the more serious charge of our members may want to look to the policyholders in a gravel mound. customers are alive or dead issue will continue to haunt toll, But the form that is the sky, posters, distributed to the people who survived air raids and told how to get in touch with the company personnel. Also, be sent through the post office has a new address of the people, so that knowledge of the staff once again .
work in an air strike can be said to be full of thrills and incredible coincidence. a female staff member in charge when the bomb exploded, there are two garden 被震 fly Bureau, the miracle is not the time in the fall injuries, but also found in the basement next door before the insured can not be found. policyholder the premium charged on the agreed place to pick up members is common. If the policy holders will be away from home, or live Few of the country in the air, charges may be home place the jar on the mantle, or kitchen table; were often air raids in the cities, the fees may be changed to a safer location in the garden below. because the toll at the toll may encounter when idle, so they usually will be trained policyholders, the insurance and the receipt on the back door, so they sought refuge, to the way the document away, then charge their members and about as long as the Anderson shelter (Anderson Shelter) can work out. the northern city of the most common charging method, is the city where most of the work of middle class housing with back alleys (Back lane). rely on these lanes, toll collectors and refuge in the shelter between the activities so that they can be found in the sanctuary policy holders, and are not afraid of a leak. the evening is usually the best time to visit, if earlier that may not touch the person may later run into power, or there is ferocious bandits.
The toll in human services, can in fact be said to stand in the forefront of the war. a young temporary staff meeting, but once in Di (Dundee) Experience:
will usually housewives We are not lock the door, so we according to the doorbell, open the outside door and shouted: Prudential! often you will hear: they come in, little girl h happy to see that we are full of their husbands at home on leave, but Sometimes, when you see standing on the side of people dressed in strange uniforms, we can not say anything. After all, the war changed many things, our job is to pay, and keep smiling.
as They said the insurance manager, these are very high toll of trust: our work is not limited to toll, as housewives like to have girls come to visit, then we may become their friends. We exchange ideas, knowing how to make war rations and a long life, and exchange power failure occurs when the joke, or buy Shiyao Which store things, or because of the sharp decline in discount coupons during the war, we will exchange some tips to modify clothes to make up . clients are very generous to my door, and often sent me some stuff, like candy, eggs, oranges or apples. In the absence of these materials at the time, even more of their generosity.
wartime sympathy for the people to play, allows the company representatives and customer relationships has changed. For the wartime situation, we laugh together, however, are some of Daya jokes do not hurt, we will not mention which young men gone, because the topic is We are sad about it. And it is because I am near her, I can help share some of her concerns. Sometimes the capacity of the President sounded tears will tell me that her son or husband is no longer I might write back to ask her h theater in which they, then I would say: Actually, this week or last week, no letter, because I have not received a letter next week you will receive h letter. these words in the mouth that is very simple, but they are relieved of the expression, to know this work is very worthwhile.
and comfort the bereaved woman, has become the work of these young girls. they are the most difficult task , is to try to persuade them to lose a child or a woman who lost her husband, and in their very, very sad mood, the signed document can receive death benefits. very strong, however, often a room, difficult passes to tears. very sad, they still continue to work. a district manager, wrote: We also remember the lady we have a charge, then 65, was wounded in the house on Sunday, nine o'clock Monday morning to report for duty on time also.
various locations can be used as temporary offices. a toll recalled that, when artillery shells exploded in the regional office, he and his assistant on the opposite side of the profit quickly (Express Dairy) set up tables, handle customer inquiries and claims. Another swing-up table and deal with two customer case, a few minutes later, the queue to the front door, went to the courtyard has been discharged. all day, dealing with the case of claims, sometimes to listen to some examples of really sad, for example: a family, four generations are our policyholders, but all died in an explosion. Staff day's work, they often will be interrupted, for example: The staff will want to go home to see the situation, and unfortunately, sometimes all night only to see the fire, taking everything away.
addition to the operation of the company does, Prudential will be sent to the correct claim payment as soon as possible beneficiaries priority. When tragedy occurs, Prudential's toll revenue to provide the most rapid financial ease, often without other formal certification. thanks to the various local offices keep information. even one case, was buy insurance the insurer in less than an hour, unfortunately killed in an air raid, the results of beneficiary (the insured's son) or received compensation. often when people come to claim, and can not provide proper documentation, they birth, marriage certificates, insurance documents or other property usually have switched with the fire. and every time after a serious air, check the status of the individual policyholders will become more difficult. London was badly hit some areas, is Prudential is the focus of insurance areas. Prudential several offices, including: the history of Nepal, Martin and package Mossy (Stepney, Bow and Bermondsey), and 57 regional offices also are forced to close because of severe air makes many people fled the local or death, the peak in the air, just east (East End) will have 2,000 people missing. Some of the survivors left a note to the staff, but most people did not leave a word.
then the other withdraw from the headquarters to the field division of the situation then? Quebec and some, like Leo Boni Mo, the situation is still subject to air strikes, while the northern segment, such as Darling Dayton and Wigan, then subject to frequent air raid alerts. But these places can not match the operation of the Corporation of London to the hard work. For example, to retreat to Holborn Bars in almost all departments can do something for the war, force, or to participate in ARP local volunteers (Local Defence Volunteers), a special police force, the Royal reconnaissance teams. there are other people into air raid warning people, ambulance drivers, Red Cross volunteers, fire reconnaissance teams. on Sunday by the time they are also to support local help: arms manufacturing, farming, transport the injured and so on. There are also many women to help YMCA staff work in wartime cooking, or as nurses to help. in all divisions and the capital are facing the same problem is the shortage of manpower. In nearly 2,000 certified to retreat to department employees Toll Quebec, only 530 employees to continue working with the war, other people are not being recruited, that is, to war-related factories to work. the company had recruited local people, but there is one indisputable disadvantage is that when they finally learn to work content, but may be immediately transferred to his Department by the government.
drawn up in 1938, evacuation plan, which was originally due, that London serious air raid would be unprecedented. Later in the various field office locations have become self-sufficient, have their own bank channels, and complete accounting system, also have their own audit and claims capabilities. As was published services, salute people, but everyone, almost familiar because of the war were forced to leave home to come here, so they hope the manager can provide the security of their previous familiarity provided by Prudential on behalf of the family's calm and stable life. --- on a learning experience to the general manager, although he may be doing at the head office management of high-end, but this time, he may have to repair their leaky roof: down to the second teller, may also and do not own the original work.
in the field of solidarity shown by the office can be said that the achievements of the staff. Some married staff can rent for the door to their families, and enjoy near-normal life. the other person, Tizhexingli live in dormitories distribution, through the limited resources, suffer the inconvenience of daily life, try to build their own protection from the atmosphere, the resistance from time to time hit the loneliness, anxiety h especially young people even more so. to complete its work is everyone's priority, not counting hours of work, but usually work with the department, but now with the withdrawal because there are vacancies in the space, but also to remind everyone to treasure existing common resources. The increasingly blurred the definition between departments, causing people became standard provisions do not pay attention. For example, should have to wear uniforms into civilian clothes to wear: As for the obnoxious noise of London and cold humane people, when the Office of the evacuated areas than the countryside, the feel is a pleasant change. However, the traffic is relatively inconvenient. As for the weather, the northern city of winter cold, but people can not imagine . In order to keep warm and comfortable, both men and women regard the city replaced the uniform, to wear more comfortable clothing. skirt was gone, replaced by trousers. thin shoes replaced, and to wear thick boots. As for those from quarters of people went to the office, or those who ride a bicycle, then found their own health improved. hh
[emotional Essay] I'm busy for the education of their children Kim family
clear financial goals, do not nobody knows for sure
case information
29-year-old 31-year-old Ms. Sun and Mr. Wang are a young couple soon married, the income of the two evenly matched, the monthly wages of 5,000 yuan each stand to gain, year-end bonuses are also two months salary. Ms. Sun and Mr. Wang worked for the company gave them one gold on the three insurance, also have insurance coverage 20 million and 2 million accident insurance accident medical insurance, in addition they did not buy commercial insurance .
Although the income is not high, but the cost of the couple usually not much, except for items of basic living expenses and to buy, but also about 4,000 yuan to 5,000 yuan in the balance. husband and wife purchased a few years ago a 50 million real estate for their own homes, there are contributions to the current 10-year period, the monthly repayment amount of 3,000 yuan, which is their biggest monthly expense.
Ms. Sun's now one year old child, but the couple have not prepared any educational fund for her, in addition to real estate outside the home, Ms. Sun does not have many assets, demand deposits only have 10,000 yuan and 3,000 yuan in cash, no cars No purchase vehicle program. For the family's financial situation, Ms. Sun and Mr. Wang is basically no concept, no clear financial goals, let alone complete the planning, family finances can be said that a br> financial analysis
1. daily expenses well controlled.
2. monthly repayment amount of 30%, still within the normal range of risk control, but close to the ceiling in the family during the repayment total monthly income to be maintained at 1 million yuan.
3. spare cash almost no investment direction, investment return rate is very low, taking into account the inflation rate, even negative growth.
4. no insurance, means that the family has no anti-risk ability of any accident, family members in the event of unexpected expenses, will allow families into financial crisis, and even endanger their children's education funds.
5. there is no children's education funds, and a degree of protection, but also a serious hazard .
gold mmm children's education before high school each year 1 million, about 500,000 yuan high school to college.
financial advice
1. daily expenditure control is better maintained. At the same time develop the best record account habits, type of statistical analysis of household spending, as incomes increase a modest increase in some of the necessary classes can improve the quality of life.
2. monthly repayment amount equal to 30%, risk control in the normal range, but close to the ceiling in the monthly household income during the loan repayment to be maintained at 1 million yuan; Also note that the national interest rate adjustment policy, 10-year repayment period is likely to raise interest rates in emerging policy to increase home loan repayment pressure , the proposed approach to fixed interest loans.
3. for 1 million families in emergency cash, half in the form of demand deposits, half of the investment Monetary Fund, Monetary Fund, after all, not the day of redemption arrival, the deposit at any time take now, as a family emergency cash, liquidity is very important.
4. consider the family is a moderate growth investors, it is recommended: (1) Time deposits 1,000 yuan per month as a child's education fund, that is 12,000 yuan a year down , if persevered for three years in the nursery before the child is 36,000 yuan education fund, sufficient for most kindergarten education funding. to such deposits, primary and secondary education funding to meet the needs of 1 million per year; fourth grade may be appropriate to put into education savings interest tax free.
(2) 1,500 yuan a month invested in balanced funds (a conservative estimate the average yield of 4%).
(3) 1,000 yuan per month to invest in stocks type or index fund (a conservative estimate the average yield of 8%).
(4) end of the year award 2 million thus 50% of investments in accordance with medium-risk financial investment products (such as balanced funds), 30% of high risk and high investment income products (stocks, gold, stock funds, index funds, etc.), 20% low-risk investment products (such as bonds, regular savings, etc.) to be allocated, if the actual operation of an investment rate of return lower than the lending rate, also can be arranged in advance .16 years after the child credit into the high school, according to conservative estimates calculated annual rate of return, item 2 plus item 3 of the total revenue will reach 70 million, enough to the child's high school and college education fund.
5. now families without any protection, means that families without any anti-risk ability accident, family members in the event of unexpected expenses, make families into financial crisis, and even endanger their children's education funds, but you have social security, so the current proposals: family economic pillar re-purchase of life insurance + security + disability exemption (10 million + 10 ten thousand yuan worth of severe illness); family accident insurance (currently only the adults have group insurance, should give due consideration to the child); children on a regular basis to buy life insurance + severe illness + health + accident + exemption (worth 5 million yuan severe illness +2 +5 +1 million copies of medical accidents.) premium of about 1 million a year the whole family.
the same time because of security to can have more confidence in the investment funds, and increase return on investment, this money into a virtuous cycle of operation of the system.
6. the other is not clear the physical condition of both parents and security benefits, etc., need your own consider this preparation, the need for other investment income from these funds for emergency medical care.
risk of major diseases to determine a necessary disease
7 13, the China Insurance Regulatory Commission announced the major diseases industry-standard definition of draft has been completed. The reporter learned from the industry, 7-10 types of cancer and other major diseases has been designated as kinds of as the Supervisor will seek the views of medical experts outside the industry, check whether the definition was consistent with clinical practice, industry standard definition of major diseases for further modifications.
consumers to buy critical illness insurance more peace of mind. Yesterday, the China Insurance Regulatory Commission also said that the completion of major diseases to develop industry standard definition will be recommended by the insurance industry together with industry associations.
【Background】
re-introduction of the unclear definition of disability insurance disputes
severe illness caused by the definition of risk has been risk of severe illness caused by the source of disputes. At present the field of major diseases in Beijing less than 40 kinds of insurance products, competitive market. In order to attract the attention of consumers, companies have a big fuss in the disease. But the company's definition of major diseases and claims the standard is different. For example, the reporter in a company's critical illness insurance policy Shui to see, critical illness insurance policy, the deductible is not included in the scope.
in this year's outbreak of the April, Insurance Association of China founded the standard definition of critical illness insurance illness formulation of the office. It is reported that China Reinsurance, China Life, Fidelity Life, Ping An, Pacific Life Insurance, Xinhua Life Insurance, life insurance companies such as 10 to participate in this meeting the definition of major diseases, the formulation of industry standards.
. As before, the CIRC on the the first to respond to the call, in addition to full and immediate risk of severe illness terms of updating the definition of new and old customers to make and enjoy the benefits of commitment, but also a grand launch of the new health insurance products mm Prudential additional [time to] the long-term sickness insurance. of the product available to further help consumers recognize that a comprehensive health care plan an important role. can be said that a head start for the Prudential additional [time to] insurance really return to the true meaning of health insurance. it will suffer serious illness of the insured to provide more timely treatment, help them regain their health as soon as possible.
Fidelity [time to] the original characteristics reflected in the development as part of the disease is not to ; interests, to give customers some Peifu meet their urgent needs. That is, not for some other companies shall be paid the lesser symptoms, [time to] provide basic insurance accounted for 15% of the timely assistance ...