Risk management and insurance Essay Example | Topics and Well Written Essays - 500 words

Risk management and insurance - Essay Example an insurance agent, one is charged with the responsibility of contacting potential clients, selling different types of insurance, and explaining policies to customers (U.S. Bureau of Labor Statistics, n.d.). While the job can be greatly rewarding, it also has a lot of challenges especially for beginners. The insurance agent may have to walk the streets soliciting customers. The hustle involved in trying to convince potential albeit disinterested customers to buy an insurance policy seems too much for me especially considering that I am not as social as the job may demand. I especially do not like to engage complete strangers walking along the streets. Dealing with people unknown to me is especially stressful since they may hurl obscenities at me without any considerable provocation. In many cases, insurance companies place no requirement for working as an insurance agent. In any case, the insurance agents do not need much to be licensed to start working – passing a state administered licensing exam and taking a short course on insurance suffices to join the trade. While some may prefer to work with college graduates, this requirement is more often than not overlooked in a bid to find the right candidates for the job. In order to work as an agent, one may take economics and business courses (Career Planning.about.com, n.d.). This is not the case when dealing with insurance attorneys. Every organization wants to work with a competent insurance attorney which means that the candidate has to be well trained at college or university level at the least, law being a major component in his/her training. According to the requirements instituted by companies seeking insurance attorneys, it is beyond doubt that the candidate is better placed to earn much more than the insurance agent who may be earning on commission basis. According to the U.S. Bureau of Labor Statistics (n.d.), the median annual wage for agents stands at about 46,770 USD which is significantly lower

Malaysia briefing Article Example | Topics and Well Written Essays - 750 words

Malaysia briefing - Article Example The introduction of the Internet from the West to the people of Malaysia have given people a new way to find information and is a great influence (www.bbc.co.uk). Traditional culture has also been replaced by the Western influence of â€Å"partying† for young people. Even the number of people speaking English in Malaysia demonstrates the extent that the West has influenced Malaysia (www.buzzle.com). Malaysia is a very multi ethnic country and the people there are very open to people of all cultures. Visitors should be aware that public displays of affection are not common or looked upon favorably. The sharing of business cards is a gesture meaning that there is a desire to keep communication going. Be advised that not all areas of mosques can be entered by non –Muslims. Shoes are taken off and left by the front door when entering a home. Visitors may be called a â€Å"male uncle† by those who are at least 10 years younger than the visitor (solrehab.com). Tipping is not a common practice in Malaysia, but a visitor can tip if the service was exceptional (www.goway.com). Rabies is a concern in Malaysia, so beware of animals (www.lonelyplanet.com). Religion brings with it societal norms that people are expected to follow. For example, if a non-Muslim wants a dog as a pet, they must first get permission from their Muslim neighbors. Also, couples that are not married are not allowed to be alone together in secluded areas. However, Malaysia is becoming more accepting of other religions and cultures in that when Chinese New Year comes around, many Malaysian workers offer to work the shift of their Chinese co-workers so that they may take time off to celebrate the holidays of their culture (www.absoluteastronomy.com). About 60% of those living in Malaysia are Muslim. Schools include Islamic instruction with non-Muslims studying morals and ethics instead. While the people of Malaysia are tolerant of other religions, there is a