NLIC.org

Alan Said:

Renter's insurance in Edmonton, Canada?

We Answered:

It depends on how you wish to proceed. Your best bet is to speak with several brokers and discuss your needs with them. Take a look in the Yellow Pages or see if any of your family/friends can recommend someone. Brokers will be able to shop among several companies for you and have extensive knowledge. Most major banks sell insurance as well, and you may be able to get a quote online. However the agents you speak to (if you speak with anyone at all if you do it online) only sell the bank's product, and will have knowledge in the bank's product and may or may not be able to answer more general questions. You may want to hold off this route until you become better informed. Keep in mind your deductible is likely to be $500, so you may want to discuss scheduling your more valuable collectibles. This will cost more, however the coverage is more broad plus either the deductible will not apply or a smaller deductible will apply.

Terri Said:

What will happend to all insurence holders from AIG, if the company does not make it? ?

We Answered:

IF they filed for bankruptcy protection (which we now know won't happen with the gov't assistance) the life insurance holders should be fine. If anything they'd spin off the profitable insurance unit to a buyer in order to raise cash. AIG doesn't sell insurance...American General does (as does their other subsidiaries)....keep that in mind. AIG just owns American General.

Charlotte Said:

The purpose of the (CALEA) is to?

We Answered:

B

The purpose of CALEA’s Accreditation Programs is to improve the delivery of public safety services, primarily by: maintaining a body of standards, developed by public safety practitioners, covering a wide range of up-to-date public safety initiatives; establishing and administering an accreditation process; and recognizing professional excellence.

Specifically, CALEA’s goals are to:

Strengthen crime prevention and control capabilities;
Formalize essential management procedures;
Establish fair and nondiscriminatory personnel practices;
Improve service delivery;
Solidify interagency cooperation and coordination; and
Increase community and staff confidence in the agency.
The CALEA Accreditation Process is a proven modern management model; once implemented, it presents the Chief Executive Officer (CEO), on a continuing basis, with a blueprint that promotes the efficient use of resources and improves service delivery - regardless of the size, geographic location, or functional responsibilities of the agency.

This accreditation program provides law enforcement agencies an opportunity to voluntarily demonstrate that they meet an established set of professional standards which:

- Require an agency to develop a comprehensive, well thought out, uniform set of written directives. This is one of the most successful methods for reaching administrative and operational goals, while also providing direction to personnel.

- Provide the necessary reports and analyses a CEO needs to make fact-based, informed management decisions.

- Require a preparedness program be put in place - so an agency is ready to address natural or man-made critical incidents.

- Are a means for developing or improving upon an agency's relationship with the community.

- Strengthen an agency's accountability, both within the agency and the community, through a continuum of standards that clearly define authority, performance, and responsibilities.

- Can limit an agency's liability and risk exposure because it demonstrates that internationally recognized standards for law enforcement have been met, as verified by a team of independent outside CALEA-trained assessors.

- Facilitates an agency's pursuit of professional excellence.

Jon Said:

Why has Obama's message of "hope" become "hopeless"?

We Answered:

Maybe it is hopeless to you, but not me.
I don't buy into the fear and loathing.