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  • Advice about Prevention | Alternative Insurance Compagnie | AIC
    is working to create a shift away from the Haitian God will prevail mindset The answer lies in education understanding that insurance is not an expense but rather a financial tool that acts as an investment preserving the wealth that you have created in your lifetime wealth that is there to protect your wellbeing and that of your family 80 of Haiti s population is vulnerable having access to insurance

    Original URL path: http://www.aic.ht/content/advice-about-prevetion/ (2016-01-31)
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  • How to Understand Insurance | Alternative Insurance Compagnie | AIC
    a broad range of generally conservative high quality investments in its portfolio such that policyholders funds are protected in the event of a large stock or bond market driven shock High and medium risk bonds Refers to bonds and other fixed income investments that do not meet the criteria of high investment grade investments based on internationally recognized ratings by Moody s Standard Poor s and Fitch but carry a return for the insurance company that is higher than investment grade debt thereby generating more income for an insurance company and adding more stability to its capital base over time A diversified combination of both investment grade and high and medium risk debt is found in the portfolio of an insurance company providing a combination of both stability and returns Lapse ratios The ratio of the number of life insurance policies that lapsed or were not renewed within a given period to the number in force at the beginning of that period Also known as the renewal rate Liability liability insurance protects against pecuniary loss that third party claims for bodily injury and property damage caused by you Loss ratio The ratio of losses and related expenses to net premiums earned This ratio measures the company s underlying profitability or loss experience on its total book of business Losses Expenses Represents the total amount of claims submitted by policyholders for losses that they incur from their policies and expenses include all costs associated with the core insurance operations including loss adjustments Low risk bonds See Investment grade debt Money market securities Consist of short term very liquid easy to sell and conservative investment instruments in Government and quasi Government securities whose returns are typically small but offer extreme stability for a portfolio Net earnings The total after tax earnings revenues minus losses and expenses generated from operations and investment income as well as any other income generated by the insurance company over a certain period of time Operational earnings Income revenues minus losses and expenses generated from an insurance company s principal insurance business and not including other income such as investment income over a certain period of time Policy the written contract effecting insurance or the certificate thereof by whatever name called and including all clause riders endorsements and papers attached thereto and made a part thereof Portfolio every insurance company invests its premiums in a variety of money market instruments bonds and equities so that the capital base of the company continues to strengthen and thereby providing greater stability to manage through loss events The sum of all these financial instruments is called the portfolio Premium the price of insurance protection for a specified risk for a specified period of time Policy holder An individual a company or a counterparty who enters into a contract with an insurance company who in turn promises to make payment in the event of a loss Reinsurance insurance that an insurance company buys for its own protection so that the full extent

    Original URL path: http://www.aic.ht/content/how-to-understand-insurance/ (2016-01-31)
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  • Enterprises - Alternative Insurance Company
    our Affiliated Services Contact Us 2014 Annual Report PDF 2014 Annual Report eBook Insurance Summit PDF Our Products Individuals Professionals Enterprises Are you traveling Get A Quote Anual Reports 2014 Annual Report PDF 2013 Annual Report PDF 2012 Annual Report

    Original URL path: http://www.aic.ht/english/anual_reports.html (2016-01-31)
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  • Testimonials
    légal Jul 20 2015 11 compagnies d assurance sont habilitées depuis un certain temps à effectuer des opérations dans le pays Elles luttent chacune pour Read more Testimonials Ingrid Carlou CEO Reaseguradora Patria S A B Our partnership with AIC

    Original URL path: http://www.aic.ht/english/testimonials.php (2016-01-31)
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  • Alternative Insurance Company
    are Contact us welcome AIC is a Haitian multiline insurance company that provides services such as Auto Homeowners Life Group health Business Funeral and Micro insurance products to individuals to professionals to small medium and large companies and organizations Contact

    Original URL path: http://www.aic.ht/movil/eng/ (2016-01-31)
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  • Our Numbers - Alternative Insurance Company
    over 5 years 12 years of leadership 102 000 clients 102 direct jobs 7 lines of business including traditional products and innovative products for the mass market 28 distribution points in alliance with banks and microfinance institutions a presence in 13 cities with 14 distribution points in the provinces outside of Port au Prince and 14 points in the metropolitan area AIC is glad to present its 2012 Annual Report

    Original URL path: http://www.aic.ht/our_numbers.htm (2016-01-31)
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  • Service Funéraire - Alternative Insurance Company
    Hinche Chapelle Funéraire Paradis Morgue Privée 37579142 Saint Marc Salon Funèbre la Résurrection 34624854 38734877 Cap Haitien Parloir Funèbre la Résurrection 34577504 34420921 22623420 Cayes Entreprise Sacré Coeur 37704748 37244748 22860074 Jérémie Pax Dei 29420203 31582255 Gonaïves Roland Placide Entreprise Funéraire 37656954 Jacmel Les Entreprises Lanauze Ange de la Gosseline 37356629 37649572 Aquin Nenette Entreprise Funéraire 37168248 34434455 Port au Prince Pax Villa 38696084 36858085 Entreprise Celcis Ange Bleu 29414842 29410144 Pompe Funèbre Roger Lanauze 37356629 34030876 38251720 Pompe Funèbre Albert Chancy 22575591 22572195 22578590 Horizon Salon Funéraire 37263004 34492201 31582255 Cabaret Always Maison Funéraire 29435072 36289214 37807636 Léogâne Chapelle Paradis 38392950 38392946 BNC Fonkoze and Sogesol Nom et province Téléphone BNC BNC Aquin 2940 0639 BNC Cabaret 2940 0090 BNC Cap Haïtien 2943 2056 BNC Cayes 2942 1442 BNC Delmas 2 2943 2464 Delmas 52 2940 0073 BNC Croix des Bouquets 4799 8455 BNC Choucoune 4799 8459 BNC Jacmel 2942 1531 BNC Jérémie 2912 0004 BNC Arcachon 32 4799 8458 BNC Miragoane 2940 0637 BNC Sonapi 2940 0085 BNC Place Boyer 4799 8461 BNC Petit Goave 2940 0084 BNC Pavée 2912 0003 BNC Port de Paix 2943 1955 BNC Hinche 2940 0638 BNC St Marc 2942 1317 BNC Gonaïves

    Original URL path: http://www.aic.ht/trouve_%20nos_services_funeral.htm (2016-01-31)
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  • Garage Service - Alternative Insurance Company
    20 Blvd Toussaint L ouverture APPOLO MOTORS g dominique apollo motors com 2813 1 90 10 rue Barbancourt route de l Aéroport CARIBE MOTORS cdm caribe motors com 29 40 30 01 33 Blvd Toussaint Louverture COMPAGNIE HAITIENNE DE MOTEURS S A sales chdm ht 2813 1112 Angle Delmas 2 et Autoroute de Delmas EUROPEAN MOTORS europeanmotors1 gmail com 3608 1823 100 Angle Rues du Quai et Bonne Foi HINOTO

    Original URL path: http://www.aic.ht/trouvez_nos_services_garage.htm (2016-01-31)
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