Lloyds Banking Group announces bonus adjustments

Lloyds Banking Group announced it would claw back some executive bonuses after the state-rescued British lender was forced to pay out billions of pounds (dollars) in compensation over mis-sold insurance. 

The board of Lloyds Banking Group announces that it will make an adjustment to a proportion of the bonus awards in respect of 2010 for a number of its senior employees, including five executive directors, LBG said in a statement.

In total, LBG was clawing back more than £1.63 million (1.95 million euros, $2.59 million) in share awards, while the bank added that 2011 bonuses have been affected for the same reasons.

It said that former chief executive Eric Daniels would lose 40 percent or £580,000 of his £1.45 million share bonus award, while four other current and former directors would forgo sums of up to £262,500.

A further eight executives, below board level, were to be stripped of five percent of their bonus awards.

LBG, which is 40.2 percent owned by the British government after a huge bailout, made the announcement ahead of its annual results on Friday.

In August, the bank took a hit of £3.2 billion after being forced to compensate clients who were mis-sold payment protection insurance (PPI).

In April 2011, British banks lost a high court appeal against tighter regulation of PPI, which provides insurance for consumers should they fail to meet repayments on a credit product such as loans, mortgages or payment cards.  PPI became controversial after it was revealed that numerous consumers had been sold the insurance without understanding that the cost was being added to their loan repayments.

Britain has since banned simultaneous sales of PPI and credit products.  LBG said Mondays announcement reflected the assumed impact of PPI compensation costs on the banks earnings in 2010.

The bonus pool for 2011 will reflect a further reduction in respect of the above mentioned provision, which will affect all individuals eligible to be considered for a discretionary bonus for that year, it added.

LBGs move will heap pressure on Royal Bank of Scotland to adopt similar measures. Bailed-

Full story…

No end near in uproar over insurance coverage of contraception

President Obama’s efforts last week have failed to quell the fury over his decision to require most health plans to cover contraception. Republicans are still promising a fight in Congress, and two leading Catholic groups remain on the fence although the administration thought they had been won over.

In response to outrage from Catholic and other religious groups, Mr. Obama said Friday that he would revise the policy to exempt religiously affiliated employers from buying plans that provide free contraception to employees, but he said insurance companies still would have to provide coverage.

The announcement won quick approval from some Catholic groups, but the U.S. Full story…

Guaranteed Issue Life Insurance: Who Should Buy It?

Guaranteed Issue life insurance seems like an excellent choice at first glance.

The commercials and advertisements can be very alluring because the insured is not asked to complete any health questions and there are no medical tests. However, this convenience comes at a big cost. Most guaranteed issue life insurance plans have a two-year waiting period or longer on non-accidental death. Moreover, the issue limits are very low on these policies and the premiums are quite high.

The best fit for these type policies are individuals who have very serious health issues and are unable to qualify for Simplified Issue or traditional life insurance policies.

Full story…

Three arrested after Groupama fraud investigation

Three individuals have been arrested on suspicion of selling fake Groupama insurance policies.

The arrests come after a six month long investigation led by Groupama. The insurer passed the case on to the Insurance Fraud Enforcement Department (IFED), ahead of their launch in January.

Full story…

It Contractor Insurance: Necessary to Cover for Possible Claims

Posted by · Leave a Comment 

Information technology is the fastest emerging business in all industries today as computers and their use is no longer limited to knowledge based industries. With all pervasive computer technology and the growing demands of all sectors of economy to have hardware and softer solutions to their problems, the IT sector has evolved the practice of IT contractors that secure the order from a client and get their work done through sources known to him.

This is like brokerage as is common in many sectors of economy and suits both the vendors and the clients as they know what is required and to be delivered on time.

Full story…