TAILIEUCHUNG - Insurance 2020: Turning change into opportunity

Owners of high cash businesses used multiple cash equivalents from different banks and money services businesses to pay into policies and annuities. In one case, an insurer reported the owner of a landscaping business who paid the premiums on a universal life insurance policy with multiple money orders of no more than $1,000 each, some purchased on the same day at different post offices, or on separate visits to the same post office, creating the appearance of structuring. Another company filed a report on a woman who made multiple structured pre- mium payments totaling $100,000, with cashier’s checks and money orders. | insurance Insurance 2020 Turning change into opportunity January 2012 Insurers who anticipate and plan for change can create their own future pwc Contents Introduction 01 The key STEEP drivers 02 Implications for the future of your business 12 How to design your business strategy 16 to face the future Giving you the edge 19 Contacts 20 Introduction The future may be hard to predict but need not be hard to prepare for. Insurers are grappling with the tough new business investment and regulatory environments that are emerging from the financial crisis. The industry however also faces far broader challenges. Demographic shifts the rise in power of the emerging markets and changing customer behaviour will all help shape the sector s longer term future. Insurers who can anticipate and plan for change can create their own future. Others who are fast followers will need to be agile enough to recognise the leaders and adopt similar strategies. The survivors are likely to be focused on short-term performance. Which one are you In this report we take a two-stage approach see Figure 1 to help you address this key question and to develop a strategy to exploit the opportunities the future holds Analysis of the key market drivers. We have conducted extensive research to develop a set of future scenarios. We have based our research on an outsidein scenario planning analysis that takes into account the impact of global social technological environmental economic and political factors STEEP across three major insurance industry sectors - personal commercial and life annuity and retirement. We take into consideration more than 30 different drivers that could potentially impact insurance globally. We describe in this document the drivers but due to space limitations do not cover each one in depth. Implications for insurers business models. Our second stage is an inside-out business design analysis which evaluates the impact of these different scenarios on developed and .

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• Static Headspace
• Gas Chromatography
• Method Using
• Chromatography –Mass
• Spectrometry
• Detection of Mycotoxins
• Substances
• Forensic Samples