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AIA Group on Friday posted a 35% jump in value of new business (VONB) in the third quarter, driven by strong demand for insurance products across its operations including key markets in Hong Kong and mainland China. The growth, measured by a constant exchange rate, marked the highest increase in new business value for the insurer in the third quarter.
Insurance company VONB, which measures profit expectations from new premiums and is a key measure of future growth, rose to$994 million in the three months ended Sept.30, from$741 million a year ago.
Public asset insurance or state property and Insurance Program
“Rising revenues, low private insurance penetration rates, and limited social welfare coverage continue to drive demand for AIA insurance products across our markets,” said AIA CEO Lee Yuan Siong, quoted from the zawya page, Monday, November 6, 2023.
Mainland China was one of AIA’s biggest markets, reporting a 20% increase in VONB during the period, with sales jumping 62% through its distribution partners, as the insurer continued to benefit from the lifting of pandemic-related restrictions.
AIA, which relies heavily on its agents for insurance sales in the region, said agent recruitment remained strong, with very strong year-on-year (yoy) double-digit growth, supporting growth in agent numbers during the third quarter.
In Hong Kong, although domestic business was down slightly compared to last year, sales to mainland visitors continued to grow strongly, generating nearly half of VONB’s revenue in the reported quarter, in line with last year. AIA’s nine-month VONB reached US$3.02 billion, slightly below the full-year figure in 2022 of US$3.09 billion.
After years of default, the Financial Services Authority has sanctioned the revocation of business licenses (CIU) to two insurance companies, namely PT Asuransi Jiwa Adisarana Wanaartha (Wanaartha Life) and PT Asuransi Jiwa Kresna (Kresna Life).
To remember, Wanaartha Life had its business license revoked on December 5, 2022, while Kresna Life followed on June 23, 2023. Months have passed, the two privately owned insurance companies are now undergoing a series of liquidation processes to pay the arrears in claims payments for policyholders (pempol).
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Since the formation of the Wanaartha Life (WAL) liquidation team, there are 26,285 policies from 12,577 verified policyholders who are victims of Gaga paying insurance owned by the Pietruschka family.
Public asset insurance or state property
So far, the Wal liquidation team has reported to the OJK that the public accounting firm (KAP) has completed a closing balance sheet audit containing the value of assets based on liquidation value and the value of liabilities based on AUP (Agreed Upon Procedures) conducted by the Actuarial Consulting Office.
“The audited closing balance sheet is the basis for the liquidation team to prepare the interim liquidation balance sheet (NSL),” said Ogi Prastomiyono, Chief Executive of the OJK Insurance, Guarantee and pension fund supervisory agency, quoted Thursday (2/11/2023).
NSL is the basis for calculating recovery assets which will then be distributed to policyholders and other creditors proportionately in accordance with applicable regulations.
“Currently, OJK continues to monitor the process of preparing NSL by requesting improvements or adjustments to the NSL format in accordance with applicable regulations,” explained Ogi.
As for Kresna Life, the Kresna Life liquidation team conveyed to the OJK that the receipt of the policyholders ‘ bill submission until October 24, 2023, registered 3,903 policyholders who had submitted a bill of claim to the liquidation team.
“OJK monitors the process of registration of policyholders’ bills to be further verified and outlined in the interim liquidation balance sheet,” said Ogi.
During registration, Ogi also appealed to people who have a Kresna Life policy to be able to contact the liquidation team to register their policy.
Apply simultaneously in 2025 the latest regulations all motorcycles must be used or registered with insurance.
Later in 2025 all motorcycles must be insured without exception.
All types of motor vehicles including motorcycles are required to participate in Third Party Liability (TPL) insurance.
This policy takes effect immediately in January 2025.
Or about 5 months later the compulsory insurance policy for this motorcycle will apply.
Public asset insurance or state property
For those who do not understand, TPL itself is an insurance that provides protection against claims for compensation from third parties.
This TPL will later replace losses that should be the responsibility of the motorcycle owner or insured in an accident.
For example, such as bearing the cost of victims who were hit by a motorcycle.
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Or the cost of repairing a car hit by a motorist
It is undeniable that the pandemic has created a crisis in various markets, including insurance. Nevertheless, Insurance managed to bounce back to its pre-pandemic position and is now growing steadily. The Total income of life insurance itself is rumored to have reached Rp. 62.3 trillion in Q1-2022.
Public asset insurance or state property
Based on banking data in February 2022 and The Life Insurance Industry and mutual funds in March 2022, insurance took first place in the total assets of the financial services sector as a business line under the Financial Services Authority (OJK) and the Non-Bank Financial Industry (IKNB). Total life insurance assets reached 617 trillion originating from at least 60 insurance companies in Indonesia. This figure is the result of an increase of 6.6% from Q1-2021.
This was stated by Budi Tua Arifin Tampubolon, Maitrise, MM, AAIJ, FSAI, AMRP. as chairman of the Board of the Indonesian Life Insurance Association (AAJI) in the Webinar “cross-disciplinary involvement in the development of The Life Insurance Industry” organized by Parahyangan Catholic University (UNPAR) with AAJI on Friday (17/6/22) and then in a hybrid at the Lecture theater of the Arntz-Geise Learning Center (PPAG) UNPAR.
Although the percentage of insurance revenue is gradually good, Budi stated that the density and penetration rate of Indonesia’s life insurance industry is still far behind compared to other countries.
“Density is the value of money spent by the people of a country for life insurance protection, generally measured in USD while penetration is how much life insurance contributes to our GDP,” said Budi.
With regard to life insurance, he further said that between new business and renewal business, management must be differentiated to maintain portfolio balance.
“New business is when one customer buys a long-term life insurance policy while business renewal is an Advanced year. Distinguishing new business and renewal business is important in life insurance, ” he said.
Meanwhile, the Chief Actuary and Senior Vice President of PT. InHealthDr Life Insurance. Benny Hadiwibowo, S.Si, MM, FSAI, CNLA, AAIJ, AAK, AMRP, QIP, CPLHI, FLMI, ARA. states that insurance companies are not only limited in actuarial. According to him, insurance companies should have at least underwriting, actuarial, and claims administration functions.
“When it comes to insurance, we’re not just talking actuarial. It turns out that in the insurance there must be several work units involved.”said Benny.
According to him, anyone can become an actuary. The role of Actuaries in insurance companies does not rule out coming from other fields of science other than mathematics.
“Indeed, an actuary is someone who is an expert in mathematics, statistics, or economics, risk management related to business issues in the company. For my friends majoring in mathematics, it may be easier to flow to actuaries. Although there is also a friend of mine graduated in economics could be an actuary. Engineering can also be an actuary as long as he takes actuary certification,” said Benny.
As for Benny gives an overview of the scope of duties and responsibilities of an actuary including :
Designing insurance products includes determining premium rates and profitability over insurance products.
Evaluate the level of financial health and capital adequacy of insurance companies.
Performs the calculation of the technical reserve of the insurance company.
Conduct statistical data quality test of insurance companies.
Participate in the implementation of Corporate Risk Management.
Evaluate actuarial aspects of the insurance process at the insurance company.
Draw up an estimate of the insurer’s ability to fulfill obligations in the future.
Behind that, there are five major actuarial unit structures that must be mastered, said Benny, including Pricing, valuation, Product Development, reinsurance, and Data Analysts.
“So, my friends, when you become an actuary, you must master these five aspects, yes. Not just calculating premiums, not just reporting, but all these aspects. And it is likely that in the future it will be more because the wider the business, the development of business, this will automatically develop again.”Benny
Lembaga Penjamin Simpanan (LPS) delivers the latest news related to the establishment of Lembaga Penjamin Polis (LPP) in the insurance industry. Chairman of the board of Commissioners of LPs Purbaya Yudhi Sadewa said that his party has recruited executive directors for insurance, including team members within LPP. Purbaya ensures that by the end of this year all LPP regulatory framework will be ready. “Now we are still in discussions with industry and other authorities, OJK and [Ministry of] Finance as well to determine the most appropriate form of what kind of policy guarantee program. But this is going on and I think the progress is faster than we thought,” said Purbaya when met in Jakarta, Thursday (29/2/2024). As is known, the LPP program is a mandate in Law Number 4 of 2023 concerning the development and strengthening of the financial sector (PPSK law).
Public asset insurance or state property
In the regulation, it is stipulated that the implementation of PPP will take effect five years from the moment this law is promulgated, namely 2028. The PPSK law itself was passed on January 12, 2023, meaning that this regulation has been running for one year. Purbaya said that currently his party is discussing the rules related to the number of policies that will be guaranteed by LPP, whether it will be equated with deposits guaranteed by LPS. “Because there are different views there. The others are also previously decided and may be decided again what kind of insurance companies are allowed to enter, the definition of healthy will be like what, ” he said. Read Also the LPs boss’s recognition of Jokowi’s government’s economic growth is lower than the era of President SBY the Brokers Association reveals the reality of credit insurance that is shunned by the health insurance industry and the shadow of a surge in medical inflation he said that LPS will conduct random health checks on insurance companies, namely a year before implementing LPP in 2028. “If everything is good, we accept it, but if out of 10 we test but nine are bad then we will check again,” he said. Meanwhile, one of the levels of health insurance companies will be measured from the solvency ratio or risk-based capital (RBC). However, Purbaya revealed that the RBC ratio is still in the discussion stage, where the direction of RBC talks is in the range of 120% to above 180%. “Of course, even though the RBC is good in 2027, it will be given its list to us, as long as we will test randomly, it is really good or not,” he explained. Purbaya explained that this was done to ensure that not many insurance companies collapsed in the first year of the policy guarantee program. “Then the credibility of the LPP is lost. And, the money is not enough because the dues have not started and only a little,” he added. Later, Purbaya also explained that unit-linked products aka Paydi and investment products are not guaranteed in this program, but only guarantee insurance protection. Nevertheless, the type of protection in question is still in the discussion stage. “If the economic count is [unit-linked] the risk is not clear, like we guarantee people’s investment, it’s very good if the investment is guaranteed, there is no loss, profit continues,” he explained. On the other hand, Purbaya said that there are a number of obstacles in carrying out the mandate to guarantee insurance policies, one of which is that the LPP has not been formed. Another obstacle is the incomplete data of insurance companies. As a result, IDIC must complete the data which is done by sharing data between IDIC and Financial Services Authority (OJK). “Furthermore, insurance companies are not ready, so should be given time to resolve themselves to improve management and business models. That’s still enough time until 2028, ” he concluded.
Director General of state assets Isa Rachmatarwata stated that public asset insurance or state property (BMN) can support the government’s efforts in improving fiscal resilience and budget flexibility that are needed in facing economic pressures after the Covid-19 pandemic. “Keeping the potential risk of financial losses to a minimum is one of the steps the government needs to take. BMN insurance is designed to achieve that,” he said when opening an international webinar entitled “Public Asset Insurance Portraits in Various Countries,” Wednesday (25/11).
In line with Isa, Senior Financial Sector Specialist in The Disaster Risk Finance and Insurance Program at the World Bank Group Benedikt Signer said that BMN insurance can be part of a broader risk management strategy. “After efforts to avoid and reduce risks, there will still be residual risks that must be accepted and allocated into the budget. On the other hand, the risk can also be shared financially through insurance,” he said.
The Directorate General of state assets (DJKN) implements this into Indonesia’s Disaster Risk Financing and insurance (PARB) strategy. BMN Director Encep Sudarwan explained that in the PARB strategy, disaster risk with frequent frequency but small impact is concentrated with budget allocation and reallocation, fund collection, and contingent credit. “Meanwhile, the risk of disasters with low frequency and large impact is transferred through insurance,” he said.
The BMN insurance Program in Indonesia was first initiated in 2016, and continued to be refined until the issuance of Minister of finance regulation number 97/PMK.06/2019 about BMN insurance. Insurance procurement is only implemented at the ministry level with the umbrella contract method signed by the Ministry of Finance. Insurance is provided on a single premium rate basis by an insurance consortium, with an all-risk insurance product. The object of insurance is focused on buildings or buildings that have an impact on public services and government performance, such as office buildings, educational buildings, and hospitals.
This Webinar presents, Greg Fowler, Former Government Official, Ministry of Business, Innovation and Employment of New Zealand, as a representative of a country with BMN insurance experience. He revealed that as one of the countries with the highest insurance saturation level in the world, ministries/institutions in New Zealand have long carried out BMN insurance. However, the running practice is insurance on an individual basis. Finally, after several earthquakes in 2010, 2011, and 2016, The New Zealand government finally realized their vulnerability to disasters and savings in the insurance market.
“We found a more efficient and effective approach to risk and financial management, which is to change from ministries / institutions that initially act as units that insure their own BMN, to an approach as a single unit of government,” he said. He hopes that this can be realized in the next two years.
Thomas Haller, head of South East Asia & East Asia, Public Sector Solutions at Swiss Re, presented a case study on the impact of earthquakes that occurred during 2010-2011 in New Zealand and Haiti. He said the losses from the disaster amounted to USD8.5 trillion or 120% of Haiti’S GDP. With only 1% insured, Haiti is forced to rely almost entirely on foreign aid. New Zealand, with a loss of $ 31 trillion, about 80% of that figure can be covered and replaced by insurance. “Although GDP declined slightly, growth soon resumed its rapid climb,” Thomas said.
He also reminded that the implementation of the BMN insurance program requires joint efforts from all stakeholders. Therefore, in facing the challenges of implementing BMN insurance, he emphasized the importance of effective cooperation between all stakeholders from an early age, sharing knowledge about the mechanism of insurance products, clarity regarding budget availability, asset values that are constantly updated and can be accessed easily, conducive policy scope, and implementation strategies for the use of insurance results.
Heddy Pritasa from ASEAN Research and Works Sharing, ASEAN Insurance Council, stated that although almost all ASEAN countries are vulnerable to natural disasters and have PARB, only Indonesia and the Philippines have included BMN insurance into their PARB strategy. “We hope that there will be continued collaboration among ASEAN members to overcome natural disasters,” he concluded.
Backlinks are links within website content that lead to other web pages or websites, usually used by website owners to improve the reputation and credibility of the website and its content. This Link is similar to a hyperlink, but it can help maximize website SEO and not just link resources.
So, in order for your website to be perched on the first page of search results, backlinks are a strategy that must be considered. Later your website or blog will have a high chance to be the first to be clicked, and profits will increase.
You could say the benefits of backlinks are so great for bloggers and entrepreneurs. This is because backlinks can help you get better known to your audience, have authority in your niche, and popularize your product or service on the internet.
Whatever type of website you have now, in this article we will help you understand what backlinks are. Not only that, we will also explain the types and functions of backlinks, as well as how to get quality backlinks. Let’s get started!
Understanding Backlinks
Internal Backlinks
External Links
Benefits of backlinks for website Ranking on Google
Influence of backlinks on website SEO
Types Of Backlinks
Juice Link
No-Follow Link
Do-Follow Link
Link Root Domain
How To Get Quality Backlinks (Link Building)
Like a crutch, the usefulness of backlinks is to strengthen the position of the website or content it refers to in order to get a high and stable ranking in the SERP related to certain keywords.
For example, we have an article on how to optimize a website. Well, to strengthen the position of this article on Google, there must be some other content or website that puts the link to our article in the content, as we did in this paragraph.
Then backlinks are divided into 2 general categories, namely:
Internal Backlinks
Internal backlinks are links that connect two web pages on the same domain so that visitors can find more information about a topic or read other relevant content.
Internal links are intended to increase the duration of audience visits to a domain, as well as increase the number of visits to certain content. Internal links can also reduce bounce rates, which is a metric that shows that visitors don’t feel like reading content and immediately close it.
External Links
An external backlink is a link that leads to or is received from another domain. This Link is needed if your website does not have content that can be linked to a particular topic, so you add resources from other websites.
External links not only help provide information to visitors, but also help other websites you refer to build their authority and relevance in search engines.
In addition, this type of backlink will slowly ‘flow’ more traffic to the external domain it refers to.
Benefits of backlinks for website Ranking on Google
In general, the function of backlinks is to evaluate the authority and relevance of a domain over certain products, services, and topics. Of course, this will be very profitable for those of you who manage websites to earn income.
If there are many backlinks placed and received by your website from other websites, search engines will prioritize them to get a high ranking.
Yes, search engines such as Google consider that websites or content that is widely referenced through backlinks are credible and trustworthy sources, so they will appear faster on the first page of the SERP for related search terms.
If you get a high ranking, organic traffic and page authority (DA and PA values) on the internet will also increase, strengthening its reputation as the most suitable reference for a particular topic.
The advertising or marketing team can also start creating product sales campaigns, or work together to put sponsored ad banners on websites that have achieved high positions in SERPs.
Well, with this principle, it must always be remembered that internal and external backlinks are quite crucial for your website. In addition, you should also know how to get quality backlinks, not just quantity.
Influence of backlinks on website SEO
There are so many business opportunities that you can get if you are able to reach the first position in Google. Of course, this is something that is coveted by almost all website owners.
A high position in Google indicates that your website or content has good quality and relevance so that other users reference it on their websites, or share it on social media by directing backlinks directly to your domain.
When people search for a particular topic on Google, your website will become one of the main references thanks to its compatibility with the topic you are looking for, and can even be displayed as a recommendation article.
If there are a lot of people sharing and referring your content, it means they feel helped by it. Well, this is where backlinks can be very influential on SEO, namely as one of the determining factors for website ranking.
The number of backlinks coming to your website from other domains is an indicator that is seen by search engines as proof of the credibility of the website. The more other domains that add backlinks to your website, the faster it will rank at the top.
Types Of Backlinks
In addition to internal and external categories, backlinks are also divided into several categories according to their particular characteristics. It is important to understand each of these types so that you can determine your focus and get backlinks effectively.
Who doesn’t want their website to appear on the first page of Google? We’re sure you’ll want it too. Here are some examples of backlinks that are currently commonly used:
Juice Link
Link Juice is the most basic and common type of backlink. This type of link can direct visitors from other websites to your website or blog so that it can help increase traffic.
As you know, higher traffic means better website ranking in SERP. Search engines know that your website has content that will attract many visitors. This is called domain authority (DA).
When it reaches the first position in Google, your website will automatically become the main reference in its niche. Various other website pages will make it as an example, even by competitors.
No-Follow Link
A No-Follow Link is a type of backlink that confers authority and relevance on a limited basis. This means that even if your website is referenced by another website, the “nofollow” tag placed in the script will hinder the full functioning of the link.
The “nofollow ” Tag is usually used by websites that have high authority. They apply it to backlinks that come from less quality websites so that the website does not get Authority and appear in the SERP.
This method can also prevent useless links from obscure sources on the internet. Such links are often used by government-owned websites (public bodies) and schools (educational institutions).
No-Follow links are also often used for blog comments so that there are no annoying messages, without context, or spam from visitors who have bad intentions to reference their website for free.
Do-Follow Link
Do-Follow links are links that you should focus on in your strategy to get quality backlinks. These backlinks are the opposite of No-Follow and actually link one domain to another.
That is, a link placed on a website that has a “follow” tag on its page script will ‘drain’ the authority and relevance of the website to the referred page.
This type of Backlink is used by search engines to identify the authority of a website. The more Do-Follow links a website receives, the more it will rise in position over time.
Do-Follow links are commonly used by companies in similar or related industries. These types of backlinks can be a good strategy for introducing businesses to each other’s customers, as well as exchanging backlinks to strengthen authority and relevance on Google.
Link Root Domain
Domain Root links refer to the number of backlinks from one domain received by a website. This means that no matter how many Do-Follow backlinks a page receives, if they all come from the same domain, the link will still count as 1 backlink.
So there will be no point in you asking for many backlinks to one website in order to get the same authority and relevance even though the reputation is good. Because, no matter how much the number will only be considered as one backlink.
