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The Need for Caution When Dealing With Brokers, Agents

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In sourcing for an insurance policy, some prospective buyers often get carried away by the sweet-selling efforts made to them by the insurance agents and brokers. Due to the sweeping financial implications of an action not well taken at the point of buying your policy, it is advisable that prospective buyers should be cautious when going for an insurance policy. Take your time in analyzing the various options before making a decision. Do not get forced into a decision by the pressure of the insurance agent. Insurance brokers have vested interests and they work for the insurance company and not you. Remember this when dealing with them. The more you pay to the insurance company the more the broker gets as a commission. There are some basic things you need to know when dealing with agents or brokers. First, you must need to understand the simple fact that insurance agents may go to any extent to sell their insurance product, however they do not sell any redundant product, hence one need to be extremely cautious. They will never highlight the drawbacks of their policies; hence one should himself clarify all doubts. They are most interested in obtaining the signatures of the client of the agreement papers. Each time you come across an insurance broker, there’s a desire to have a look on their career ups and down; often times one may be tempted to interrogate them regarding their business background. When dealing with these classes of people, sometimes, you may also think it necessary to watch their confidence and behaviour. They may tell you about what you are expecting and at the same time may think of some unwanted careless thoughts. When you are uncertain about anything, you must pursue what your mind states and do not have any business with the individual. You can locate different agents and have them complete the same assessment before you acquire someone whom can lay your confidence in and you are complacent with them. Your financial limitations must be the primary factor in deciding which broker or which policy you will opt for. The agent might try to convince you that a more costly policy may save you more money eventually. This is a possibility but just in case it is beyond your means don’t be talked into it. If the broker is still trying to sell a more expensive policy, ask him why you must comply and if you find the answer unsatisfactory you can always go in for another agency. Finding an insurance broker who you can trust and who works in your best possible interest may prove a stressful task for most people, but remember that the well being of you and your family depends totally on it. It is foolish to invest in a policy with such high end premiums that it results in your cutting down on daily necessities like food and medicines. Persons must avoid the advice of others and resist temptations regarding spending money or spending an excessive amount of money on unnecessary items. Conservation of funds must be a top priority until financial times are more secure. Also, it is important to know the broker deeply, making sure that he is registered under the National Council of Registered Insurance Brokers (NCRIB) who has the mandate to regulate the work of brokers. But above all things, the watch word is being careful before you put sign any contract agreement.


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Cloud Energy Solar Shines Bright with 200 Watts Street Lighting Bulb

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Nigeria’s foremost indigenous Renewable Energy Company, decorated by industry partners as the most Outstanding Energy Provider, Cloud Energy Solar, living true to its appellations, is focusing its renewable energy competencies beyond the home and office.

Cloud Energy has increased its impact in street lighting with the design and production of the 200 Watts street lighting bulb.

The 200 Watts bulb consolidates the reputation of brightness and long lasting for the Cloud Energy range of energy saving bulbs, in the homes and offices.

Spurred by the abundance of the sun, the Cloud Energy Solar Company seems challenged to never let the sun set. The Managing Director of Cloud Energy, Mr. Theophilus Nweke, launching the 200 Watts bulb observed that the times are dangerous in terms of security.

Therefore, the brilliance of the street lighting will eliminate all lurking shadows from the streets and security posts. It is an answer to a call to duty for all patriots to deploy their competencies to enhance national security.

The renewable energy boss said that citizens must be prepared to make sacrifice to give Nigeria its deserved place as the giant of Africa. These sacrifices can come from the kind of opportunities that OEMs give to Nigerians. For example, Cloud Energy, a leading solar practitioner is currently offering rooftop solar panels with a flexible payment plan up to two years or more.

Property owners can now design their buildings with solar panels on the roof and keep paying long after they have completed and moved into the houses.

This flexible payment consideration, the Cloud Energy Boss explains, extends to the entire range of Cloud Energy Solar products – Energy storage products, Inverters, Batteries; Lifestyle products, Fridges, Freezers, Fans Television sets, and solar accessories.

These offers are conveyed in a campaign entitled Bridge the Energy Gap, a clear departure from the traditional way of presenting offers in the market.

The bridge has been used as a symbol to convey a sense of professional support, assistance, and partnership.

The bridge beyond meaning a make-up for a shortfall also provides a thorough fare to the energy transition, without bottlenecks. It deletes all doubts and gives a sense of certainty for a transition.to Solar.

The bridge is the fact that Cloud Energy in partnership with its finance partners offers different kinds of payment plan to ensure a done deal, in electricity, without tears.

Cloud Energy, founded in 2015 has earned respect by installing Solar and Inverter systems for discerning clients, mainly academic, research institutions and multi-nationals across the nation.

In less than a decade Cloud Energy has foot prints in the Banking and Finance sector with ATM installations; Homes and Public buildings with Solar Systems; and is a viable partner to governments through the Rural Electrification Project.


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Airtel HR Director, Adebimpe Ayo-Elias Honoured as HR Leader of the Year

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The Director of Human Resources and Administration at Airtel Nigeria, Adebimpe Ayo-Elias, has been awarded as HR Leader of the Year at the 2024 HR People Magazine Awards, organized by Mapelwood Global Resource.

The award ceremony, held recently at the Lagos Oriental Hotel, celebrated the achievements of outstanding HR professionals across Nigeria who have contributed significantly to organizational success and workplace culture.

Speaking on the recognition, Carl Cruz, CEO of Airtel Nigeria, expressed immense pride in Ayo-Elias’s achievement, describing it as a milestone not only for her but also for the company.

“Adebimpe’s impact, dedication, and leadership extend well beyond Airtel, and this award is a well-deserved recognition of her influence in the HR field. We are incredibly proud of her accomplishments and look forward to her continued contributions to the industry,” he said.

Receiving the award, Adebimpe expressed gratitude for the honour, reiterating her commitment to advancing world-class HR practices within her organisation.

“I am deeply grateful for the opportunity to contribute positively to the lives of those we serve within and beyond the organization. Airtel Nigeria creates an environment that nurtures growth, encourages innovation, and prioritizes the well-being of every employee and as such, this award motivates me to continue championing these values,” she said.

This award reaffirms Airtel Nigeria’s commitment to developing and empowering talent, further establishing the company as a leading force in creating an impactful, forward-thinking workplace.


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Canada Orders TikTok to Shut Down Operations Amid National Security Concerns

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Canadian government has ordered TikTok to shut down its operations within Canada, directing the social media platform to close its offices in Toronto and Vancouver.

Despite the office closures, Canadian users will continue to have access to the app itself.

The decision was announced following a national security review led by the Canadian Security Intelligence Service (CSIS). Innovation Minister François-Philippe Champagne stated that TikTok’s activities posed a threat to national security, though he declined to provide specific details.

“We came to the conclusion that these activities… would be injurious to national security,” Champagne told CBC News, underscoring the seriousness of the government’s actions.

TikTok has voiced strong opposition to the order, vowing to challenge it in court. A spokesperson for TikTok argued that the closure will lead to significant job losses and stated, “Shutting down TikTok’s Canadian offices and destroying hundreds of well-paying local jobs is not in anyone’s best interest.”

The move follows Canada’s previous restrictions on TikTok, including a ban from government-issued devices in 2023 due to privacy and security concerns.

TikTok’s parent company, ByteDance, has faced similar scrutiny from the U.S. government, which has also considered further restrictions over national security concerns.

TikTok maintains that it will continue to serve Canadian users on its platform, allowing creators to connect and businesses to operate.

However, the dispute between TikTok and Canadian authorities signals ongoing tensions between governments and the app’s China-based parent company.


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