Others include leasing, credit and debit cards, asset management, securities broking, pensions and insurance.
This has put a premium on generating more revenue from fee-based services, for example by selling pensions and insurance policies.
But a VC's allegiance is really to the pensions, insurance companies and other financial institutions that entrust them with huge sums of money.
Certainly, the government was embarrassed by the collapse of pension funds controlled by the late Robert Maxwell, and by the sale of inappropriate personal pensions by insurance companies.
Some schools face six-figure budget deficits as a result of extra payments for pensions, National Insurance and other staffing changes.
Another ruse is to raise the contribution-free limit for pensions and unemployment insurance but lower it for health cover (meaning more paperwork).
So will the maximum contribution for both pensions and unemployment insurance, and the minimum salary needed to opt out of state health insurance.
Half-hearted efforts have been made at revamping pensions and health insurance.
That's because the bonds, which are held by hedge funds, pensions and other insurance companies, are structured in a way that makes hitting the triggers for a loss all but impossible to reach.
The lower castes also lose out on generous benefits, such as transport allowances, company pensions, subsidised insurance and paid holiday (though regular workers have long been pressured not to use it, to show dedication to the company).
It shows the joint and several influence on prices (measured as percentage points of extra inflation) from unemployment, import prices, cheap oil and the cost of employer-provided fringe benefits (including pensions and health insurance), from 1994 until the first quarter of 1998.
At home, meanwhile, the life companies are frantically diversifying away from life insurance and pensions into other financial services.
SIB's proposal to offer the public a single telephone help-line for calls on everything from motor insurance to pensions.
Egg, the online bank of UK life insurance and pensions group Prudential, starts trading on the stock exchange on Monday.
Potential investors, he added, are also reticent because of the burdensome regulations now placed on long term investments in insurance and pensions.
Other funding will come from previously-announced changes to National Insurance and pensions.
Savings are better measured by the Fed's quarterly survey of bank accounts, stocks, life insurance, pensions and debt, which shows, as one would expect, robust financial accumulations from America's hard work and freedom.
Prime Minister Manmohan Singh's government had been hoping to push through legislations on easing foreign-investment rules in the insurance and pensions sectors and acquiring land for industrial and infrastructure projects in the budget session.
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Those figures reflect the fact that higher-income consumers have much better insurance coverage--those in the top fifth spend 15.1% of their budget on personal insurance and pensions, compared to just 2.4% in the bottom fifth--so their out-of-pocket expenses are much lower, says Scott Hoyt, director of consumer economics at Moody's Economy.com.
Public pensions became the main form of unemployment insurance, as unwanted workers were permitted to retire early and draw pensions.
It has details of life insurance policies, pensions, unit trusts and share dividends.
The company charges a fee but it can help track down a wide variety of financial assets including insurance polices and pensions.
So too for stockbroking, mutual funds, pensions and life and car insurance.
Under Jean-Pierre Raffarin, the previous centre-right prime minister, reforms of both public-sector pensions and public health-insurance were pushed through despite demonstrations and strikes.
But, as Mr Storm sees it, selling car insurance, personal pensions or protection for a North Sea oil rig are entirely different things.
In addition to the systemic risk board, the other three regulators would be the European Banking Authority, the European Securities and Markets Authority, and the European Insurance and Occupational Pensions Authority.
From health reform, Hainan wants to put pensions and industrial and commercial insurance on the little cards with the ultimate goal of reducing the use of cash and checks to the bare minimum.
Ted Kennedy's Health, Education, Labor and Pensions committee gets enacted, health insurance pricing will enter a time warp.
"IUE-CWA has met its goals of safeguarding affordable health insurance and substantially increasing pensions for our members, " said IUE-CWA President Edward Fire .
But trickier reforms, of, for example, health insurance, social security and pensions, are proving hard to enact.
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