Organizing various events with combining customers

In recent times event insurance has been gaining popularity. It is envisaged that there are various types of risks involved in holding events If you are planning on hosting an event or party, it is advisable to cover the function with event insurance. Event insurance protects the event organizer or planner against risks that can cause loss of money or property from possible accidents and unplanned events. There is a wide variety of insurance to cover all sorts of popular events such as conferences, exhibitions, corporate days, parties, fairs, festivals, sporting, music concerts, wedding, meetings, street parties etc. Event insurance covers the potential risks and exposures involved in bringing a number of people together to celebrate an occasion. When planning your event, make sure you consider all of your risks and exposures. For example, if you plan to serve alcohol at your special event, make certain that the location you choose allows alcohol to be served. Also make sure to inquire about any special conditions, permits, or special event insurance. For example in Sri Lanka serving, sale of liquor and consumption of liquor in public places is prohibited on full moon days. Therefore it is necessary to be aware of the local laws that govern the sale and consumption of alcohol. If in doubt it is advisable to seek legal advice. Ensure that your special event insurance covers events where alcohol is served. Be sure that controls are in place to make sure that intoxicated or underage patrons are not served. Intoxicated guests may get involved in arguments and altercations which may prove detrimental. The following facts should be taken in to account 1. 2. 3. 4. Is there a procedure in place to check IDs? What action will you take if one of the guests becomes intoxicated and creates problems Is it necessary to have an outside caterer to provide the alcohol? When to end the serving of alcohol at your special event.

As such for events where alcohol is served, make sure you have coverage that at least covers Host Liquor Liability in your general liability insurance coverage terms. Alcohol is just one of the risks...as a event planner or organizer, are you using 3rd party vendors to sell food, serve drinks or for security? If you are, then you need to insure yourself against liable acts of the 3rd party. In any event an insurance covering third party liability is important. 1. Sign a hold harmless agreement 2. Provide you with a certificate of insurance naming you as an additional insured on their insurance policy 3. Provide you with proof of current license if a license is required - as an example, in many areas of the country, security firms are required to hold a license These are just a couple of the risks you should consider. Be sure to read your venue agreement carefully. Many risks will be called out in this document. Also, it is always a good idea to consult an attorney and your insurance broker to ensure that you have all your exposures covered.

Janashakthi support for Sri Lanka Freight Forwarders Association Cricket Carnival
Janashakthi Insurance PLC has come forward once again, for the second consecutive occasion, as Main Sponsor of the Six-A-Side Cricket Carnival organised by the Sri Lanka Freight Forwarders Association (SLFFA) This popular day-night event takes place this Saturday, 14 May 2011, at the NCC grounds, Colombo and is expected to draw a crowd of over 1000 participants, guests and spectators. Among them will be top officials such as Chairmen, Managing Directors, Directors and CEOs of member organizations. 48 teams, comprising member companies, have enthusiastically registered to partake in this event, which is held every other year. Janashakthis General Manager Sales and Marketing Ravi Liyanage said that the Company was happy to partner with the SLFFA on an event of this nature. We do recognise the pivotal role played by the SLFFA in taking the economy forward in post-war Sri Lanka. An event of this nature undoubtedly brings all key players together in a spirit of brotherhood and fellowship and this does augur well for further bonding. The carnival atmosphere at the grounds is ideal for the whole family with a kiddies corner, food stalls, a live band and of course the papare along with dancers to keep the audience entertained. Many prizes and surprises will be on offer courtesy of the sponsors and SLFFA. The events principal sponsors are CL Synergy (Pvt) Ltd, Dart Global Logistics (Pvt) Ltd, Freight Links International (Pte) Ltd, Hayleys Advantis Ltd, Hellmann Worldwide Logistics (Pvt) Ltd, Marine Transport Services (Pvt) Ltd, Phoenix International Logistics Lanka (Pvt) Ltd, Speedmark Transportation Services (Pvt) Ltd, Wings Logistics (Pvt) Ltd, Expolanka Freight (Pvt) Ltd and SLFFA Cargo Services SLFFA was established in 1981 with the objective of bringing all freight forwarders under one umbrella, with a view of institutionalising and professionalising the trade. Today the Government, relevant Government agencies and the trade have recognised the SLFFA as the Apex body representing the freight forwarders in Sri Lanka. The SLFFA currently has 92 leading freight forwarding companies in its membership. SLFFA is a member of the regional freight forwarding body - The Federation of Asia Pacific Air cargo Associations (FAPAA) and the International Freight Forwarding body FIATA. President of the SLFFA Tony de Livera said that the Association has been working towards maximising the benefits to the freight forwarding industry by exploiting to the maximum the potential of Sri Lanka's strategic geographical location. We have identified the need for greater investment for the development of air and sea freight facilities, infrastructure and in the development of human resources to sustain the fruition of Sri Lanka becoming the hub port in the region. The SLFFA is also mindful of the developments taking place in the international freight forwarding arena and tries to keep the Sri Lankan freight forwarding industry abreast with the rest of the world. SLFFA perceives in providing maximum benefits and opportunities to its members, which will lead to the betterment of the industry as a whole. The proceeds collected at this event will be in aid of the SLFFAs training arm - The Academy of International Trade and Transportation (AITT).

Janashakthi powers SJC Rugby

n the photo (L to R) are Ravi Liyanage (Janashakthis GM Sales and Marketing), Prakash Schaffter (Janashakthis Managing Director), Lalith De Mel (Chairman St Josephs College Sports Council & Chairman Hornets Association), Manik Pereira (Vice Chair St. Josephs College Hornets Association) and Sumith Adhihetty (Co-Head of Finance, St. Josephs College Hornets Association).

Colombo. Wednesday 04 May 2011. Janashakthi Insurance has signed up as the Principal Sponsor of the St. Josephs College Rugby Team for 2011. Janashakthis Managing Director Prakash Schaffter and Chairman St Josephs College Sports Council & Chairman Hornets Association Lalith De Mel inked the agreement.

Janashakthis Managing Director Prakash Schaffter said that the Company is proud to sponsor the St. Josephs College Rugby Team. We all know that rugby is a game that fires great passion across the whole of Sri Lanka, be it at school, club or national level. It ignites enthusiasm across all boundaries, and, is with no doubt, a unifying force in this country. School rugby produces and nurtures great players who invariably play club rugby and later at national level. This partnership is a win-win situation for both parties and were confident of a superlative performance through 2011 which will see the St. Josephs College Rugby Team emerge champions with JIPLC. The SJC 1st XIV rugby team was last years undefeated B Division Champions and also Cup Runners-Up at the Zahira 7s 2010. The Under 16 team was the Western Province Champions and All Island Runners-Up last year. Captained by 19 year old No 08 Malintha Soyza, the SJC rugby team 2011 has eight seniors this year and is well balanced. It enjoys a very good track record, is highly motivated and is expected to create a few upsets this season. The team is coached by Sunanda Fernando and ably assisted by Bilal Yusuf. Rector of St. Josephs College Rev Fr Sylvester Ranasinghe said, Were thankful to Janashakthi Insurance for this very generous sponsorship. It will help us to upgrade our training equipment, invest in our players and further raise standards. St. Josephs College has always been at the pinnacle of excellence, be it in studies, sports or any other activity among popular schools in Sri Lanka. Through its many gallant sportsmen over the years, the College has demonstrated its essential qualities of virtuousness, strength and honour on and off the field. Rugby, though not always gaining the success that it should have among popular sports at St. Josephs, has always churned out young Josephians who have not only been blessed with skill but have also been great ambassadors of their country, school, and for the game as a whole, the Rector added. Janashakthi has always supported sports and sportsmen and women. Best known for its long association with cricket, it has sponsored several Sri Lankan test cricket series during the past few years. Its current Brand Ambassador is national player Ajantha Mendis. Janashakthi also has two national cricketers on its staff Suranga Lakmal and Isuru Udana, together with the reigning South Asian Games High Jump Gold Medalist Priyangika Madumanthi on its staff. Janashakthi has also just launched its annual Athletes Sponsorship Programme for the third consecutive year whereby 08 outstanding outstation student athletes come under its wing. Among them are Ishara Sandeepani Dayananda (Best Athlete at the National Youth Sports Festival for the past three consecutive years) and Amali Harshini (First in the 100M Hurdles at the Thailand Open Athletic Championships 2010). It has parallely extended its support to several other sports at national level such as hockey, squash, rowing and sailing thus reiterating its commitment to the long term development of sports in Sri Lanka.

Janashakthis Conquerors triumph at Awards for Excellence 2011 !

Colombo. Thursday 17 March 2011. Janashakthi Insurance with its history of creative and spectacular award ceremonies in Sri Lankas insurance industry recreated the elegance and grandeur of the mighty Roman Empire as it rewarded over 150 sales and other achievers with air tickets, cash rewards, trophies and certificates of excellence at their Annual Awards for Excellence 2011.

This gala event was held last week at the Sirimavo Bandaranayake Memorial Exhibition Centre under the distinguished patronage of Chief Guest, Chairman Mr. W.T. Ellawela, Guest of Honour, Deputy Chairman Mr. C. T. A. Schaffter, Managing Director Mr. Prakash Schaffter and the Janashakthi Board of Directors Mr. L.C.R. de Wijetunga, Deshmanya Dr. Nihal Jinasena, Mr. Eardly Perera, Miss. Anushya Koomaraswamy, Mr. Ramesh Schaffter and Mrs. Manjula Mathews, the top management, special invitees and selected staff who completed the list of over 1200 invitees This years theme The Conquerors took all invitees 2000 years back in time when the world was conquered and ruled by the mighty Roman Empire from England to Africa and from Syria to Spain when one in every four people lived under Roman law. Much of the Roman Empires conquests and victories are attributed to its army which was one of the most successful in the history of the world. Similarly Janashakthis sales force is a group of loyal, well disciplined and highly trained group of warriors who have gone beyond the call of duty and achieved heights of success that others only dream of. Held for the 17th consecutive year since 1995, the awards are Janashakthis springboard for excellence which recognises, reward and honour high flyers not only in sales and marketing, but also in several other areas of accomplishment including sports and special achievements. Rewarding individual successes, outstanding team achievements as well as effective partnerships, the awards showcase Janashakthis commitment to innovation and to delivering continuous service improvements. Over 150 winners demonstrating the highest standards of best practices and innovative initiatives during 2010, were recognised duly. Some of the main awards which were presented are as follows. Best Life Sales Person award was won by M. Thangiah of the Mahawewa Area Devolopment Office while the award for the Best Overall Life Team was won by U. S. N. Ferando of the Negombo Branch. K. M. S. Lakshman of the Dehiattakandiya Branch won the award for the Best Life Business Promotion Sales Supervisor while K. P. M. K. Kariyawasam of the Hanwella Branch walked away as the Best Business Promotion Assistant in Life Sales. Further P. H. D. S. Fernando of the Negombo Branch was awarded as the Best Senior / Business Promotion Executive in Life Sales. The Best Assistant Business Promotion Manager for Life Insurance was J. S. Adihetti. When it came to General Insurance, the award for Best Sales Officers in Non Motor was won by P. H. A. Madhushanka of the Colombo Metro Branch. M. Thangiah of the Mahaweva Area Devolopment Office won the award for the Best Area Development Office recognition award while K. H. Rajmohan of Colombo Intergrated became the Best Business Promotion Sales Supervisor in General Sales. Further G. L. N. C. de Silva of the Piliyandala Branch became the Best Business Promotion Assistant in General Sales whilst H. M. S. M. B. Herath of the Kurunegala Branch became the Best Business Promotion Officer in General Sales. R. P. W. Miyuru of the Colombo Metro Branch was awarded Best Senior Business Promotion Executive in General Sales whilst M. K. G. W. S. Ranasinghe of the Kandy Branch walked away with the award as the Best Assistant Business Promotion Manager in General Sales. M. R. Fairoze of the Colombo Metro Branch was presented the award for STAR PERFORMANCE in General Insurance. M. K. P. K. Perera of the Negombo Branch became the Best Assistant Portfolio Manager in Life Sales whilst M. S. Sampan of Colombo Metro became the Best Assistant Portfolio Manager in General Sales. H. M. D. S. Randika won the award for the Best Regional Sales Manager for General Insurance and Sakuna Jayasooriya won the award for Best Regional Sales Manager for Life Insurance. The highlight of the ceremony was the crowning of M. K. P. K. Perera, winner of the much coveted Chairmans Award as he was duly recognized duly for his great achievements in sales. The winner was brought on stage in a chariot with great fanfare and pomp and pageantry as befits a winner. Another notable feature was that some of the members of the sales force were recognised for their international standards. Five such highflying members of the Life Sales Team qualified for the worlds premier association for financial professionals which is MDRT (Million Dollar Round Table) in 2010. G.S. Ruwan Kumara of the Hatton Branch made history by qualifying for the MDRT for the seventh consecutive year. This is considered a landmark in Sri Lankas insurance industry. Together with him four more members of the Janashakthi family qualified for the MDRT Saman Morawaka, M. Thangaiyah, B. L. J. Sri and T. Jayasinghe.

Further 47 Janashakthi family members received IQA (International Quality Award) awards while 151 members were selected for IAP (International Award for Productivity) awards including 19 platinum qualifiers awarded by the worlds largest life insurance research agency LIMRA. Chairman of Janashakthi Mr. W.T. Ellawala thanked the staff for their dedication over 17 years of excellence. Our achievements in 2010 were extraordinary. Despite competition becoming sharper and stiffer with 19 players in the insurance arena, we continue to record strong growth. All credit goes to you, our strong sales force. Ellawala also paid tribute to the founder of Janashakthi Mr. C.T.A. Schaffter, a living legend in the Sri Lankan insurance industry. Counting more than 50 years in the insurance field, he is an encouragement and a great source of inspiration to us all. Speaking on the occasion, General Manager Sales and Marketing Mr. Ravi Liyanage expressed delight that the 2010 sales figures were positive. Thanking the winning team for its dedication and commitment, he outlined the targets for this year and expressed confidence that greater support and greater dedication would make 2011 a greater year. Managing Director Mr. Prakash Schaffter said, Today we honor our successful soldiers, those who lead in the battle field. We salute the best of the best - the most successful Conquerors. Last year was an exceptional year with the introduction of new trends to Sri Lankas insurance industry. Our harvest of awards also grew with victories both at local and international levels. He said that the Companys sales force is the symbol of professionalism. YOU are the Janashakthi Family, the ambassadors of the Company. You all have the potential to go out there conquer the market, and continue to achieve greatness, which is what we are celebrating today. While expressing his deep appreciation of the sales force for their noteworthy accomplishments, Mr. Schaffter thanked the staff who travelled from far and wide, especially from the North and East, to share in the triumph and glory that evening. Creating a paradigm of excellence necessitates pursuing new initiatives and opportunities, and building on core competencies, which Janashakthi embraces by pushing boundaries to new heights and raising standards each year. This striving for excellence has reaped rich results and firmly positioned Janashakthi as a company that creates and markets some of Sri Lankas most recognised and innovative brands within a value system that goes beyond mere business objectives to embrace Transparency, Trustworthiness, Dynamism and Dependability, which are the very essence of the Janashakthi brand.

RAM Ratings Lanka Upgrades Janashakthis Rating

Colombo, Monday 20 December 2010. RAM Ratings Lanka has upgraded Janashakthi PLCs claims-paying ability rating to A- from BBB+; the outlook is stable. The rating upgrade is premised on Janashakthis strong performance since the previous review, underpinned by its ability to improve its expense ratio and maintain a better claims ratio than most peers in the general segment. Janashakthis rating continues to be supported by the Companys strong competitive position in the general segment and its underwriting standards. RAM Ratings Lanka also viewed the introduction of a formalised investment framework positively.

Janashakthi is Sri Lankas third largest general insurer, accounting for 12.76% of the general insurance industrys premium in FYE 31 December 2009. The Company, which started in 1992, was able to achieve strong growth through its focus on the general segment. Premiums from this segment at present account for roughly 70% of the Companys income. Janashakthis strong competitive position is underpinned by its wide geographical reach, having a branch network only surpassed by the two largest insurance companies. In terms of life insurance, the Company is the fifth largest taking up 5.87% of the industrys premiums. Janashakthis Managing Director Prakash Schaffter said that Company was delighted with the RAM Ratings upgrade. This is indicative of the strong position were consolidating in Sri Lankas insurance industry and the credibility we enjoy with the public of Sri Lanka.

We recently introduced a formalised investment management framework. Our combined ratio in the general business charted an improving trend, backed by tight overhead controls. In terms of investments, the Company has shifted to a more liquid stance with fixed deposits and government securities taking up 60.51% of total investments. In fact our insurance liability to shareholders funds ratio stood at 3.35 times as at end-June 2010; healthier than similar-sized peers., he added Janashakthi Insurance PLC became the most profitable insurer among all quoted insurance companies by recording a Profit after Tax of LKR 145.4 Mn for the first half 2010. This is a remarkable achievement, given the nature of the industry which has 19 players competing. As the 3rd largest general insurer in Sri Lanka, Janashakthi Insurance goes on record as having paid over Rs. 16 billion in claims paid in the past six years. It paid in excess of Rs. 14 Bn over the last five years reflecting a steady increase in claim payments. Figures reveal Rs. 5 Bn in 2005, Rs. 2.23 Bn in 2006, Rs. 2.67 in 2007, Rs. 2.52 Bn in 2008, Rs. 2.82 Bn in 2009 and Rs. 1.56 Bn as of the first half 2010. Having acquired Rs. 11 billion in assets in a short period of time, the Company holds over Rs. 3.8 billion in Government Securities and is also the only insurance company to acquire a state owned insurance company. It was also the fastest to reach the Rs. 5 billion mark in annual revenue and enjoys the highest stated capital of Rs. 1.49 billion among quoted insurance companies Janashakthis large haul of awards this year has been quite remarkable. It clinched dual honours for two consecutive years at the glittering 19th World Brand Excellence Awards Ceremony. It was bestowed with the prestigious Award for Banking and Financial Services and the Award for Overall Brand Leadership. Winning triple honours at the glittering SLIM Awards 2010, it became the only insurance company in Sri Lanka to win the highest number of awards in the service category at this event. Janashakthi Insurance also clinched a Silver Award in the Insurance Category for the third consecutive year at the recent National Business Excellence Awards 2010 Janashakthis commitment to sports is seen in its programme which sponsors talented and promising rural athletes. It is also active in other areas of social responsibility such as installing signage at the National Eye Hospital, supporting sailing, squash and its other special interest sport, namely hockey. Janashakthi has, over the years, funded programs for the safety of people at pedestrian crossings, Tsunami-aid programs, safe bottle lamp projects and Dengue awareness projects. Good corporate governance has established the image of the company as a socially responsible entity delivering greater and consistent value to customers, employees, shareholders and the country at large during the 16 years of its service to the nation.

Janashakthi powers our flying heroes - Sri Lanka Air Force Rugby Team

Also present on the occasion were Prakash Schaffter - Managing Director Janashakthi, Ravi Liyanage - General Manager Sales & Marketing of Janashakthi, Air Commodore Vijitha Gunaratne and Group Captain Harsha Fernando of the Sri Lanka Air Force and SLAF Rugby coach Imthi Marikkar. General Manager Sales and Marketing of JIPLC Ravi Liyanage said that the Company is proud to be a partner of Sri Lanka Air Force Rugby. Rugby is a game that fires passion across the whole of Sri Lanka be it at school, club or national level. It ignites enthusiasm across all geographical and ethnic boundaries, and, is undoubtedly a unifying force in this country. The Sri Lanka Air Force Rugby team enjoys a brilliant track record. This partnership is a win-win situation for both parties and were confident of a superlative performance through 2011 which will see the SLAF Rugby team emerge champions with JIPLC Commander of the Sri Lanka Air Force, Air Chief Marshall Roshan Goonathilleke said, Were thankful to Janashakthi Insurance for this very generous sponsorship. It will help us

to upgrade our training equipment, invest in our players and thereby raise standards. 2011 will be the most eventful year in the history of the SLAF as we celebrate 60 years of sacrifice, commitment and dedication in service to the nation. We do have a lot of plans for the Sri Lanka Air Force rugby team this year. We have set our goals on being the rugby league champions this year and have a greater number of Air Force players in Sri Lankas national team. Brilliantly coached by Imthi Marikkar who is also the coach of Sri Lanka National 7s, the Sri Lanka Air Force rugby team leaves for New Zealand in the near future for further training. The team enjoyed a successful season last year and gained entry into Sri Lankas top four rugby teams after a lapse of six years. Last year also saw five of its players add weight and muscle to the Sri Lanka national rugby team. They were - Milinda Jayasinghe (Scrum Half ), Radika Hettiarachchi (Full Back), Dilan Soyza (Scrum Back), Chanaka Chandimal (Fly Half) and Charitha Seneviratne (Centre) Janashakthi has always supported sports and sportsmen and women. Best known for its long association with cricket, it has sponsored several Sri Lankan test cricket series during the past few years. Its current Brand Ambassador is national player Ajantha Mendis. Janashakthi also has two National cricketers on its staff Suranga Lakmal and Isuru Udana, together with the reigning South Asian Games High Jump Gold Medalist Priyangika Madumanthi on its staff. Janashakthi has also just launched its annual Athletes Sponsorship Programme for the third consecutive year whereby 08 outstanding outstation student athletes come under its wing. Among them are Ishara Sandeepani Dayananda (Best Athlete at the National Youth Sports Festival for the past three consecutive years) and Amali Harshini (First in the 100M Hurdles at the Thailand Open Athletic Championships 2010). It has parallely extended its support to several other sports at national level such as hockey, squash, rowing and sailing thus reiterating its commitment to the long term development of sports in Sri Lanka.

Record breaking profits by Janashakthi Crosses Rs. 6.8 billion revenue.

Colombo. 03 March 2011. Janashakthi Insurance PLC (JIPLC) recorded an impressive 17% growth in net profit-after-tax reaching Rs. 770 Mn and revenue of Rs. 6.8 billion with a growth of 13% during the financial year 2010. Chairman of Janashakthi Insurance PLC W.T Ellawala said, Rising above the challenges, Janashakthi achieved a total gross premium of Rs. 6.158 Billion which is an 08 per cent increase over 2009. The contribution of the General Insurance business was Rs. 4.5 Billion and from Life Insurance Rs. 1.68 Billion. I see this as a very positive trend amidst the challenges of an excessively competitive industry. A substantial part of our financial success came from the prudent and efficient management of our investment portfolio. We invested in a range of long and short-term instruments including gilt-edge securities and equity. This was as a result of our investment committee taking advantage of the bullish sentiment that prevailed at the Colombo Stock Exchange during 2010. During the year, we disposed of some of our strategic quoted equity investments, booking substantial profits that contributed significantly to the result for the year. Our strength was endorsed by RAM Ratings which upgraded our claims-paying ability rating to A- : the outlook is stable. The rating upgrade was premised on our strong performance since the previous review, underpinned by our ability to improve our expense ratio and maintain a better claims ratio than most peers in the general segment. The expansion of Life business during 2010 was most encouraging, with a significant growth of 18% over the previous year. The introduction of our new investment linked policies and availability of new business in the North and East have contributed to this

beneficial result. The General sector growth in 2010 fell below our expectations and failed to match the previous years increase of 09 per cent. This may be ascribed to a variety of reasons the most important being the entry of several new players offering very low premium rates albeit unviable and unsustainable in the longer term. Another reason was the strategic decision to discontinue certain accounts which have consistently proved to be unremunerative. Janashakthis Motor Insurance business especially the star performer the Full Option Policy - further reinforced by our innovative Motor Vehicle Emergency Policy - continued to be the popular choice, with revenue growth 11 per cent, the highest among the three top insurers. The companys Gross Written Premium (GWP) reached Rs. 6.2 billion at 8% growth and the revenue was Rs.6.8 billion at 13% growth. The total assets of the company stood at Rs. 11.8 billion while the company life fund grew by approximately 18% to reach Rs.3.8 billion. The Company paid claims amounting to Rs. 3.1Bn, which was 13% higher than 2009. 2011 ushers in a time of renewed hope and encouragement, flowing from the resilience that Janashakthi Insurance has reflected on all aspects of our business, the Chairman concluded. Managing Director of Janashakthi Insurance PLC Prakash Schaffter said, We will focus our sights on growing our top line in the year 2011, whilst ensuring that business written adds to the bottom line. The current and projected rates of growth for the countrys economy portend significant expansion in the insurance sector. Janashakthi is well poised with its extensive branch network and focused distribution strategy to capitalise on this. Claims control will continue, as in the past, to pose a major challenge. He went on to say that the Companys enhanced Management Information Systems and fully fledged Data Ware house System will give an edge to concentrate on the more profitable customer segments and to weed out the less beneficial business. The control of expenses during the year under review gives us cause for satisfaction. This is a continuation of the virtually zero rate of expenses growth in the previous two financial years. We are confident that we will be able to contain expense growth rates to single digit figures during the year 2011 as well. We also succeeded in curtailing headcount increase of office staff to almost zero level. We will continue to look at the development of selected new policies both in Life Insurance and General Insurance, after a comprehensive market study of customer needs and the identification of specific target segments. Our New Products Development process has been strengthened and the teams formed to develop the various new products launched have proved to be innovative, Schaffter added. With its inherent financial strength and stability, Janashakthi currently enjoys an enviable reputation decorated with many significant achievements and industry records created within a very short span of time. It was the first and only insurer to acquire a State-owned insurance company and swiftly went on to become Sri Lankas third largest General insurer within just one decade of operation. Janashakthi was also Sri Lankas first private insurer to venture into the South Asian market. The Company has also gone on record as having made the highest pay out in relation to Tsunami claims, in excess of Rs. 5 Billion. Janashakthi Insurance has the highest stated capital among quoted insurance companies amounting to over Rs.1.49 Billion, which is over 7.5 times the statutory requirement. The company is also backed by an asset base of over Rs.11.8 Billion, of which Rs. 4.7 Billion is in Government Securities. Janashakthi Insurance PLC has reached the Rs. 06 Billion annual revenue mark in the quickest time among all Insurance Companies and has an extensive branch network of over 98 locations island wide. Last year Janashakthi Insurance clinched dual honours for two consecutive years at the glittering 19th World Brand Excellence Awards. It was bestowed with the prestigious

Award for Banking and Financial Services and the Award for Overall Brand Leadership which was as a total endorsement of its endeavours in brand building and brand management efforts. Clinching triple honours at the glittering SLIM Awards 2010, Janashakthi became Sri Lankas only insurance company to win the highest number of awards in the service category at this event. Adding yet another to its haul was a Silver Award in the Insurance Category for the third consecutive year at the National Business Excellence Awards 2010 With its growing array of local and global awards, Janashakthi continued to create value for customers. It created yet another revolution in Sri Lankas insurance industry with the launch of the countrys first-ever 24-hour vehicle breakdown policy. This much acclaimed industry first Full Option Vehicle Emergency Policy is operative 24 hours a day and 365 days of the year. Its Janashakthi Life Unlimited policy goes on record as being the only life insurance policy in Sri Lanka or perhaps in the world, which gives customers a lifetime hospitalization cover even after the policy matured, thus challenging the world and norms of life insurance. Janashakthi Golden Bond was an investment lead policy which gave customers unmatched returns when compared with similar Life Investment products available in the market. Janashakthis commitment to supporting sports continued with its unique Rural Athlete Sponsorship Program for the third consecutive year. The results can be seen from the surge of ourstanding performances by all Athletes now being supported by Janashakthi. It parallely supports sailing, squash, cricket and hockey, among other sports. It is also active in a wide range of areas of social responsibility such as installing signage at the National Eye Hospital, Point Pedro Base Hospital and Anuradhapura General Hospital, the 24-hour Vehicle Breakdown Assistance Service in Anuradhapura and Kandy during the Esala Perahera season and at Mihintale during Poson Poya. Added to this is street signage across the country including Jaffna, programmes for the safety of people at pedestrian crossings, Tsunami-aid programs, safe bottle lamp projects, AN1H1 and Dengue awareness projects, etc. Good corporate governance has established the image of the company as a socially responsible entity delivering greater and consistent value to customers, employees, shareholders and the country at large during the 16 years of its service to the nation. Janashakthis Board of Directors consists of eminent professionals, with proven track records in the business world including Mr. W.T.Ellawala (Chairman), Mr. C.T.A. Schaffter (Deputy Chairman) & Mr. Prakash Schaffter (Managing Director). The rest of the board comprises Mr L.C.R. de Wijetunga, Deshmanya Dr. Nihal Jinasena, Mr. Eardly Perera, Miss. Anushya Koomaraswamy, Mr. Ramesh Schaffter and Mrs. Manjula Mathews.

Forces triumph at Janashakthi Nijabima Satana All Island Men & Women Hockey Sevens 2009

CORPORATE SOCIAL RESPONSIBILITY

The CSR activities carried out by Ceylinco Insurance Co. Ltd. are at best judged by the tangible benefits delivered to communities over the years. Our approach to CSR ensures that all projects make a statement for non-discrimination. Our projects, especially in tsunami-ravaged areas, have benefited victims across the social divide, without heeding geographic or racial boundaries and disregarding religious and caste divisions. Perhaps it is fitting testimony to the wide-ranging effectiveness of our CSR activities that we received international recognition in September 2005. Recent Activities Assistance For Mentally And Physically Handicapped Brothers Blood Donation Camps Ceylinco Insurance Donation Of House Donations To The Activities Of Sarana Fund Doo Daruwo Parents Fund Ensuring Students Continued Education Medical Camps

Assistance For Mentally And Physically Handicapped Brothers Ceylinco Insurance - General has committed to provide living assistance, on a monthly basis, to a family in Habarana, where both sons are mentally and physically handicapped. Blood Donation Camps Over 160 staff members and customers of Ceylinco Insurance General donated blood at a Blood Donation Camp held in March 2005 at the Head Office premises. Held for the third consecutive year, the Camp was organised by the Welfare Association of the Company. Meanwhile, the Kiribathgoda Branch of Ceylinco Insurance General, also conducted a Blood Donation Camp in October 2004, for the seventh successive year, where over 120 people donated blood. Ceylinco Insurance General demonstrates its commitment to the wellbeing of the Nation with Tsunami relief Ceylinco Insurance stood up to its bold statement Big or Small Ceylinco Protects Them All, when the Company responded to the call of the nation in assisting the rebuilding of the lives of those affected by the Tsunami. Ceylinco Insurance was the first insurance company to give an assurance that it would pay all claims, whether liable or otherwise, considering the humane side of the tragedy. In keeping with its promise, Ceylinco Insurance General, honoured all claims, whilst a significant amount of them were from customers who were not entitled for compensation under their insurance covers. The Company was able to pay out these claims on an ex-gratia basis, out of its own profits due to the strength and stability of the Company. Donation Of House Ceylinco Insurance General donated a house to a poor family of four in Pallewela, where both the father and the mother were blind. Their existing house was on the verge of collapse and they were in no position to rebuild. Donations To The Activities Of Sarana Fund During the year 2005, Ceylinco Insurance contributed handsomely to the Sarana Fund, which provides a yeoman service to the needy, by way of medical assistance, financial assistance for treatment of critical illnesses, providing spectacles, shelter etc. The employees of the Company also unhesitatingly contributed their fair share to this worthy cause. Doo Daruwo Parents Fund -

The Doo Daruwo Parents fund, which was established ten years ago, continued to assist senior citizens with medical assistance, spectacles, living aides etc. Over 80 such deserving elders benefited through the activities of the fund, which is managed by both the Life & General Divisions of Ceylinco Insurance, where a contribution from every policy sold by the two divisions, strengthens it. Ensuring Students Continued Education Aloka grants are paid from an educational fund set up by Ceylinco Life to support the education of selected children of deceased policyholders, for up to three years after the policyholders death. Ceylinco Aloka grants come at no extra cost to the policyholder and pay up to Rs.54,000 in 36 equal monthly instalments, upon the death of an active policyholder. Since the funds launch in August 2003, 65 such grants have been paid and represent a commitment of Rs.3.36 million. Medical Camps With an annual commitment of Rs.3 million and with a team of doctors hired by the company, a series of free medical camps, called Vaidya Hamuwa, were conducted at more than 25 locations throughout the country. has already provided free diagnosis and treatment to over 5,000 people in extremely remote areas. OUR RE - INSURERS The key to our success is our customers , hence in order to give a better service to them we go for the worlds best re insurers Ceylinco makes a virtue of its claims paying capacity despite the large number of transactions. Ceylinco has long been committed to making prompt claims settlements. This is an important factor in the high level of customer satisfaction the company enjoys. Ceylinco's technical expertise evaluates financial strength & credit risk to minimize our exposure to significant losses from re-insurance solvency. Thus the ultimate collection of reinsurance recoverable depends on the financial soundness of the individual reinsurers. This strengthens our claims processing ability. Ceylinco recognises customers as a key asset. The expertise knowledge and the long term relationship we share with the re-insurers help us to provide our customers with better services than the competitors. The strength of our reinsurers back us in facing tragic events such as the tsunami, to settle 100% of the claims successfully. SPONSORSHIPS Sponsoring the Rugby Team of Kinswood College , Kandy Sponsoring the Tele Drama, 'Tharu Udawa' , telecast on SL Rupavahini, every Sundays at 9.30 p.m

CRM - Customer Relationship Management

Welcome to the CRM Solutions Guide. The benefits of CRM Software are multi-faceted and range from optimization of customer service response times and satisfaction to reduction of operational cost. Customer Relationship Management (CRM) has also helped to increase access to and reliablility of company, market, and client information. CRM makes doing business online faster and easier. Businesses small and large have found CRM to be beneficial and essential - to their success, growth and development.

CRM Software: CRM Definition

CRM software stands for Customer Relationship Management software. CRM provides an integrated approach to identifying, acquiring, retaining and managing customers. For most organizations, CRM is usually implemented through a software package - such as a database linked to a web interface - designed to support these processes. CRM is about organizing and streamlining of processes and information. CRM software enables companies to quickly and easily get and provide access to all aspects of business management and customer interactions, and also allows customers to quickly and easily find and use information on their own. By streamlining aspects of vendorclient interactions, CRM software helps organizations manage and coordinate their businesses efficiently, as well as provide excellent customer service. No longer just for tech companies, industries such as the pharmaceutical, automotive, construction, and airline industries have been implementing CRM to manage all aspects of business and customer managment. Hospitals, banks, and educational institutions are are also using CRM to manage qualitative data - such as a customer's favorite products and testimonials or a patient's history - making it easier to respond quickly and easily to individual customer needs without having to look through files or records. CRM software makes it easier for businesses large and small to manage the vast amounts of information that running a business in today's world produces. CRM software packages are highly customizable and are tailored to each organization's individual needs for data and resource management. CRM vendors implement single, easily navigable and user-friendly software systems that paperlessly bring all kinds of customer and product information to employee fingertips, thereby reducing overhead costs and saving both the organization and client time and money. More than just customer service, CRM combines all aspects of vendor-client relationships. CRM combines marketing, customer, and financial information so that management, salespeople, customer service, and also the customer can access the same information. CRM enables companies to automatically remind customers of billing and service requirements, know what other products a customer has purchased, and keep track of customer feedback in a detailed way. CRM integrates all these business functions together. Visit CRM Customer Stories for examples of successful CRM strategies used by various companies worldwide.

CRM Solutions: Business Benefits

The benefits of CRM solutions are multi-faceted and range from optimization of customer service response times and satisfaction to reduction of operational cost. Employees can manage their own 401(k) plans online, employers can manage project schedules and organize employees remotely, travelers can get flight times and transportation updates automatically, and financial transactions are immediate and seamless. The goal of CRM solutions is to establish relationships with customers on an individual basis, and then use that information to treat different customers differently. The exchange between a customer and a company then becomes mutually beneficial.

CRM benefits are multiple - both quantitative and qualitative - and as unique as the businesses using them. Any organization that suffers from information overload, whether it's keeping track of clients, transactions, or providing efficient customer service, will benefit from implementing a CRM Solution. CRM works to organize all aspects of the vendor-customer relationship into one easily navigable format. Small businesses suffering from large amounts customer paperwork - due to things like credit cards and credit accounts - can use Customer Relationship Management software to keep track of transactions, and link that to their inventory. Call centers can use CRM to identify a customer before the call is taken, and quickly access their purchase history as well as any previous customer service transaction notes, thereby saving time and money. Medium size businesses can integrateCRM solutions with their accounting records, automate quarterly customer reports and eliminate third party services. CRM can significantly cut the amount of outsourcing any business has to do for most aspects of Customer Relationship Management, and greatly reduce overhead costs. CRM has also helped to increase access to and reliability of company, market, and client information. CRM solution enables investment firms to significantly increase investor activity by providing current and reliable investment information - including complete customer portfolio information - online. Consumers are more confident and comfortable making purchases online because they are able to read and access product reviews. People get better medical care because health organizations have accurate and immediate access to drug and health information. The benefits of CRM solutions - financially and sevice-wise, are both immediate and long-term for vendors and their customers. CRM makes doing business online much faster and easier. Businesses small and large have found CRM solutions to be beneficial - and essential - to their success, growth, development, and return on investment (ROI). Visit CRM Customer Stories for examples of successful CRM strategies used by various companies worldwide.

CRM Solution Success Stories

How are companies using CRM solutions? The range of organizations using CRM systems today varies widely. While CRM was developed largely for service providers such as banks, hospitals, and universities, businesses small and large have found CRM to be beneficial to their bottom lines, regardless of size. Small businesses are finding CRM solutions save them time and money by organzing their client information, making it easier to provide quick and easy customer service without all the paperwork and staffing. Larger companies are using CRM to not only manage their clients, but also identify and retain new customers. Below are a few customer stories about their experiences using CRM in different industries worldwide.

Alta Resources
Alta Resources is an outsourcer of customized sales and service applications such as call center management and customer data analysis applications. To keep up with increasing internet and global demands, Alta needed a CRM solution that integrates its clients' business processes with its own applications to create mutual customized call center solutions for its clients. Alta Resources turned to PeopleSoft to help them create a unified, seamless CRM solution that resulted in their ability to expand their business, enter new markets, take on more clients, and increase revenue significantly within a relatively short period of time.

IBM
As a longstanding technology organization, IBM suffered from too many departments running on different platforms and applications that were no longer compatible, as some upgraded while others didn't and new systems were introduced. IBM was already using Sieble's CRM solution for it's call centers and technical support, so when IBM needed help with it's sales and marketing, they turned to Siebel once again to create a single integrated, company-

wide CRM solution platform that supports IBM sales and marketing worldwide by providing a single source for customer and marketplace data, in several different languages and currencies.

Bedfordshire County Council

It's not surprising that the public sector has turned to higher-tech CRM solutions in the past few years. Government and public agencies are responsible for interfacing with and servicing everyone from private citizens to public corporations and military agencies, and even small organizations can be overwhelmed with management issues. Bedforshire City Council in the U.K. was experiencing significant growth and a rapidly changing economy. SAPworked with the Council to create a CRM solution that makes the Council more efficient and enhances communications within its own department, with private companies, and with the general public. Bedfordshire County, and other communities worldwide, has realized that CRM has huge potential benefits to the efficiency of our government agencies, and can change the way government interacts with the public.

America OnLine
America Online, the world's largest Internet Service Provider, turned to SalesForce.com to help it manage its extensive customer base and, on the IT end, their customer - server interactions. AOL also had an increasingly complex sales and marketing process that involved multiple external partners, and managing information across multiple groups and contracts. SalesForce.com provided AOL with a CRM solution that directs customers and employees through the fastest and most efficient channels when seeking information or solutions, increasing productivity for the entire organization.

Three Rivers Pharmeceuticals (3RP)

3RP is an example of a start-up company that implemented a CRM solution from the beginning in order to maximize its profits and efficiency during this most important growth period. 3RP had planned to do its CRM in-house, but after researching the amount of staff and financial resources it would take to do so, especially considering the FDA requirements they would be subject to, 3RP opted to outsource their software services to Oracle. Oracle quickly implemented an e-business solution that allows 3RP to focus on it's research and business development while the Oracle solutions work to manage its contracts, business transactions, and helps to automate reports.

Blue Cross Blue Shield

Blue Cross Blue Shield worked with Pegasystems to organize and implement a CRM system to provide accurate information via one application that could do several functions, as opposed to several, disconnected information centers. BCBS saw the time it took to train new employees diminish significantly because of less time spent teaching system navigation - only having to teach them to navigate one or two screens instead of six or eight - and more time focusing on quality customer-service interactions. Employees now have more time to focus on customers instead of searching for information from several sources. The CRM solution also allows them to automate processes such as updating an address or requesting a member card, saving company time. Not only that, but the amount of technical support now needed to maintain the system is decreased.

American Airlines
American Airlines wanted to better understand its growing customer base, specifically the members of its AAdvantage Travel Awards program. AA worked with Epiphany to create a unique system that helps recognize customer differences through company-wide sources of data. Using this system, the airline and it's individual employees can offer personalized services to its most loyal customers - frequent fliers - and potentially greatly increase their profitability by retaining customers in an increasingly dynamic and competitive industry.

Boehringer Ingelheim
In 2003, Boehringer Ingelheim (BI), a pharmaceutical company, implemented the Siebel ePharma customer relationship management (CRM) suite to create a new way of approaching the companys markets and to standardize information. As a global company, BI needed to standardize its sales and marketing practices worldwide. The Siebel system allows BI to compile and track product and client information in order for it to be deployed at any time, to any client, worldwide. The CRM solution, combined with other factors, optimized the company's effectiveness in such a way that BI saw their revenues double in a two-year period.

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