Tag Archives: Coverage

Technology

How to locate your mobile application and get more downloads from the App Store and Google Play Store? | Instant News


The characteristic of application store optimization is a series of technologies for organic positioning in the application store.

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April 6, 2021

6 minute reading

This article is taken from our Spanish version Use AI technology. Due to this process, there may be errors.

Opinions expressed entrepreneur The contributors are their own.


SpicyMinds website expert Juliana Santos (Juliana Santos)

According to data from the following industries, the application industry is considered a very competitive market Application business This is the reason for 2020. This is why one of the biggest mistakes when developing an application is to launch the application in the corresponding application store, expecting users to search and download the application.According to the data provided Application business, By 2020, 2.5 million applications have been created in the Play Store and 3.4 million applications have been created in the App Store, adding thousands of new applications every day.During the search, we were network , The user is interested in the top 10 results found in the list. But how can they find so many results? We will start by answering the following questions and ask ourselves the following questions:

What is ASO?

App store optimization , Better known ASO . The feature of this strategy is the use of a series of technologies aimed at organic positioning in the App Store (Apple) and Google Play Store.

It is based on the same concept SEO (Search Engine Optimization) , But its focus is on optimization application Developed specifically for mobile devices, aiming to: Market application The products in the category have good brand awareness, and users are interested in downloading and maintaining their active status on the device. In order to achieve this goal, we must not only focus on the title, description and keywords, but also the visual elements and a good user experience.

Because this is a strategy, it must be implemented, and the results it produces and the necessary adjustments must be constantly monitored, and new operations must be added that will help maintain a position in the best and recommended applications.

ASO technology/pictures aimed at organic positioning in the App Store and Google Play Store: Depositphotos.com

On the other hand, what are the benefits of having a good positioning in the market application?

  • Increased visibility: The better the location of the application, the greater the chance of being understood and downloaded. >Products quality: Know what users think and follow up with their Feedback, Allows continuous updates and improvements to the application.Therefore, user satisfaction is achieved, leaving good reviews and Review , Win trust, and ultimately become a high-quality product that attracts more new users.
  • competition: Since this technology is little known, well-executed search results are usually better compared to competitors. Therefore, if you don’t know much about her, it’s time for you to continue reading this article.

We tell you 5 important factors to consider, which will help you increase your positioning Apps in the market

1. Title: Not just the name! Through the title, the user can understand the purpose of the application, the title must be associated with its icon. These two factors will be the first method for your future users to use the application. AppStore allows up to 30 characters, and PlayStore allows up to 50 characters. You can add value keywords next to the name to generate more visibility in searches.

2. Icon: Is the most relevant visual element because it will provide your users with the first impression of the app. A creative and attractive icon represents the quality of the design, which is essential for users who are interested in learning about the application and considering downloading it.

3. Description: Usually one of the most challenging elements. This is not only to write a summary, but the user can easily understand the purpose and purpose of the application. This description is one of the best ways to increase visibility and ranking, as it ultimately results in the text attracting users to download.

4. Keywords: One of the most important projects ASO . Keywords have a great influence on search algorithms and can increase the number of times the application is displayed in search results by 2 to 4 times.To this end, investigate Key words The best platform that can run according to the category and theme of the application. It is recommended to choose keywords with large search volume and low competition to obtain excellent results.

5. Comments: Although comments are not directly controlled, users will rate the personal experience of the app to confirm whether its content, design, and usability meet the recommendations in the description and images. Every experience is unique, which is why many people regard user feedback as the deciding factor before downloading.

After letting them download, direct interaction with reviews is essential to understand what users think and understand whether they have a positive or negative experience with the product, or whether there are new areas of improvement opportunities.

If there is a problem or difficult to use, support channels are very important. Not only can they resolve errors, but they can also avoid negative feedback, keep reviews satisfied, and get positive reviews.

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Australia

Suncorp expects the Australian flood to be a single event for reinsurance | Instant News


The Suncorp Group, one of Australia’s largest insurers, said this morning that despite the vast areas affected by flooding in the country over the past two weeks, it expects the flooding to be categorized as a single event for reinsurance purposes.

The Australian Insurance Council’s latest claim estimate for nearly A $ 500 million, out of 33,152 filed, this morning.

Suncorp said rainfall and flooding in New South Wales, Southeast Queensland and Victoria have now driven more than 7,600 claims there and this figure is expected to increase when customers return to their homes.

Suncorp said about three-quarters of claims from flooding came from New South Wales, with about 20% from Queensland and the rest from Victoria and the ACT, while the severity of claims varied significantly between regions.

Based on claims received to date and anticipated receipts, Suncorp estimates its net claim costs will be between $ 230 million and $ 250 million.

$ 250 million is where Suncorp’s disaster reinsurance program starts, so that’s where losses will be limited.

Importantly, given the size of the area affected and the number of days of rainfall and flooding, Suncorp estimates that most of the rainfall and flood claims will be counted as part of the same catastrophic event for reinsurance purposes.

It is important for Suncorp’s ability to claim, as if the losses were divided into several cat events, for reinsurance, its ability to claim any recovery from the main program will be greatly reduced.

Suncorp, like its competitor, IAG, also highlighting that they expect further erosion from reducing their aggregate reinsurance due to flooding.

Suncorp said that while full per-event disaster reinsurance limits remain in place as well as dropdown aggregate reinsurance coverage, Aggregate Excess Loss reinsurance coverage has seen the reduction eroded by $ 370 million by the end of February.

The aggregate XoL agreement encloses more than $ 650 million and then provides $ 400 million in reinsurance coverage.

Floods will further erode the reduction, but at this stage it seems unlikely to install an agg layer, with per-event reinsurance claims more likely at this stage, in addition to restoring the quota share that Suncorp will also undertake.

Suncorp Group CEO Steve Johnston commented, “Suncorp continues to work with our customers, particularly in the worst affected areas of Mid-North Coast NSW and Western Sydney.

“Floods too often destroy communities across Australia, therefore as a country we must address this risk. Unfortunately, many homes in Richmond, Windsor, Penrith, Port Macquarie and Taree are in areas at moderate to very high risk of flooding.

“As a country, we need to discuss how we can protect homes in flood-prone areas through government investment in mitigation infrastructure. We also have to improve our planning decisions to ensure we don’t build new homes in high-risk areas. “

Also read:

– Australia’s flood losses totaled A $ 438 million, to push reinsurance costs higher.

– IAG highlighted severe erosion, as Australia’s flood claims exceeded A $ 385 million.

– ICA highlighted the potential billions of dollars in losses from Australian floods.

– Low reinsurance retention to help Australian insurers when flood claims increase.

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Australia

Australia’s flood losses totaled A $ 438 million, to push reinsurance costs higher | Instant News


Heavy flooding and storms that hit eastern and southeastern Australia recently are expected to add to reinsurance price pressures for major insurers operating in the country.

The flood insurance claims are now estimated to have caused A $ 438 million in losses, according to the latest figures from the Australian Insurance Council (ICA).

ICA’s tally of claims filed due to catastrophic floods and bad weather in parts of New South Wales and Queensland is now close to 30,000 and this figure is expected to continue to increase over the coming days.

Australia’s largest major insurer is expected to exceed their disaster budget for the last fiscal year, according to analysts at Morgan Stanley, with a reinsurance recovery expected through their quota shares and potentially over-losing their towers.

As we explained Friday, IAG estimated the net flood and weather costs to be around A $ 135 million after reinsuring the quota share, but A $ 200 million in the pre-quota share.

IAG’s net costs from a flood event will be capped at A $ 169 million, which is the maximum retention per event, for the first event, under the 2021 disaster reinsurance program. So if the claims situation worsens IAG can definitely see recovery under this tower.

Additionally, the company predicts heavy rains and flood events will erode about $ 150 million from the $ 400 million deductible on these aggregate reinsurance towers.

The Morgan Stanley team of analysts believes that Suncorp will likely also exceed its disaster budget for the period as a result of flooding and rain, which could again mean that insurance partners are required to increase this budget for the next year.

Australian insurers have continued to increase their disaster budgets and strengthen their reinsurance provisions in recent years, as catastrophic weather and climate events have hit their business hard.

Their favorable pricing on the inside side of their business will help offset higher disaster budgets and costs, but there are also to be expected higher costs, on the other hand, in their reinsurance purchases, Morgan Stanley analysts said.

Analysts report that feedback from reinsurance companies shows that Australian insurers in recent years have suffered catastrophic losses and the resulting losses are seen as a problem.

As a result, the cost of reinsurance protection is expected to increase further for them in the next renewal and increasingly, Australian operators are seen as sensitive to these higher costs.

However, lowering the volatility in their business is seen as key and of course reinsurance is one way to achieve it.

Both of these insurance companies doom budgets increase as a percentage of net earned premiums and have been increasing for over a decade now.

It is not surprising that we have seen the introduction of a stop-loss layer in their reinsurance program, or that aggregate reinsurance has proven to be very important to them and seen them share most of their losses with global reinsurance as well as ILS funds in recent years.

Reinsurance capital will only become more important for these companies, as they face increased costs due to frequent and severe weather and losses caused by disasters.

But they will pay more for access to it, which could make their way of locking up protection for several years more attractive and could result in them seeking reinsurance from the stock market, potentially even through catastrophic bonds.

Also read:

– IAG highlights agg erosion, as Australia’s flood claims exceed A $ 385 million.

– ICA highlighted the potential billions of dollars in losses from Australian floods.

– Low reinsurance retention to help Australian insurers when flood claims increase.

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New Zealand

Parametric earthquake offer launched in New Zealand – Corporate – Insurance News | Instant News


Parametric earthquake insurance products supported by Lloyd’s and other industry players have been launched in earthquake-prone New Zealand.

Bounce, developed by the New Zealand start-up of the same name, also has the backing of US-based Guy Carpenter, Marsh, and Jumpstart Insurance.

This product aims to provide customers with affordable earthquake insurance and prompt payment of claims within five days of a strong earthquake. It works by tracking Peak Ground Velocity, a measurement of earthquake intensity. Payments will be triggered when a reading of 20cm per second and above is detected, which is the equivalent of a “severe” earthquake.

Claims are based on the strength of the earthquake, with payments based on “measures”. This means that the stronger the earthquake, the more that is paid.

Lloyd’s said the new offering reflects its commitment to eliminating product complexity and providing customers with increased coverage and clarity through simpler risk solutions.

“Lloyd’s has a long and proud history of supporting New Zealand by insuring some of its greatest assets and innovations, right down to some of the most destructive earthquakes to have survived in this incredibly resilient country, especially over the past decade,” said CEO John Neal.

“We are very pleased to be able to upgrade and provide an innovative and technologically advanced earthquake insurance product, Bounce, which will provide customers with much-needed support and financial resilience in the immediate aftermath of an earthquake.”

Bounce founder and CEO Paul Barton said the offer would give households and businesses confidence that they would have some form of financial support to initiate their recovery plans if they were caught in a severe earthquake.

The product is available to individuals, households, and small and medium-sized businesses, he said.

“We will mostly take advantage of the direct-to-consumer distribution model via our website,” Barton told insurersNEWS.com.au. “But where possible, we are also exploring broker distribution arrangements, particularly to support small and medium sized businesses interested in this type of protection.”

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Food & Drink

Opinion: Food or medicine? A dangerous choice that many seniors have to make | Instant News


You need to keep a roof over your head, refrigerate food and continue taking medication. But what if you can’t afford all three? What are you doing? The choices are tough – and potentially dangerous.

This is what many Americans experience, says a study by GoodRx, a Santa Monica. California-based health care company that tracks prescription drug prices across the country.

In 2020, note Amanda Nguyen, Ph.D., a GoodRx health economist, nearly 40% of those surveyed said paying for a prescription was financially difficult. Writing on the company blog, he adds that “over 20% said they struggled to pay for basic necessities such as food and shelter as a result.”

The COVID-19 pandemic, which has cost millions of Americans their jobs, is clearly making things worse. Job loss usually means loss of health insurance, forcing people to spend savings, take on debt “and (make) potentially dangerous changes to prescribed treatment regimens,” wrote Nguyen.

In January, a separate GoodRx survey reported that the price of 832 drugs increased by an average of 4.6%. Of these, says the company Tori Marsh MPH, 822 are brand-name drugs, 175 are specialty drugs (meaning they may be expensive at first), and the remainder are drugs administered by health care practitioners (available only under the supervision of a healthcare provider). The overall increase appears to be the biggest in years, he said.

Prices of some drugs are rising faster. The world’s best-selling drug, Humira – an anti-inflammatory drug used to treat rheumatoid arthritis, psoriasis and Crohn’s disease – was up 7.4% in January, and up 21% over the past three years, Marsh said. Humira is the ATM machine for its manufacturer, AbbVie Inc., which says that was responsible for a net income of $ 5.152 billion in the fourth quarter of 2020 only. The Food and Drug Administration has coincidentally approved five generic versions of Humira, but so far these “biosimilars” (as the industry calls generics) have not stopped AbbVie’s sauce train.

The GoodRx study covers all age groups, but there is no doubt that such price increases can be overwhelming for seniors, who tend to leave the workforce and rely too much on Social Security. As I mentioned earlier, files the average Social Security recipient earned $ 1,543 a month this year– An increase of only 1.3% from last year – and for millions of Americans, that’s the only source of income they have.

So, when the cost of required medical treatment is rising faster than that, tough choices will have to be made.

Marsh says this is what a lot of people do.

“In 2020, 20.7% of people reported taking on debt or declared bankruptcy because of the cost of their prescription medication. Borrowing from friends or family was the most common financial act (16.8%), followed by getting a loan (5.0%), taking out another mortgage (1.2%), and filing for bankruptcy (1.0%). “

Imagine: Having to mortgage your home or declare bankruptcy because the combined costs of maintaining the roof, food in the fridge, and medicine in the bathroom cupboards are too much. I feel that this is not what the term “golden years” mean.

What can be done about all of this? The US health care system is a big mess. We spend more on health care – twice as much as the developed world average – but have worse outcomes, said this sad report from the Commonwealth Fund. Trust me: It’s a downer.

Some proposals, however, center on the idea of ​​spending more money. As a candidate, Joe Biden suggests lowering the age of eligibility for Medicare by five years to 60.But most Americans – 85% Democrats and 69% Republicans – want to drop it even more, to be as young as 50, according to a 2019 Kaiser Family Foundation poll.

Where did the money come from? Medicare’s finances have faltered. Hospital Insurance Trust Fund, for example, will not have enough money to cover all support costs starting in 2024 – very close. What happens if millions of new beneficiaries are added to the system? A much higher tax seems to be a painful answer. Good luck getting a big tax hike through Congress.

And even if the Medicare eligibility age remains at 65, thousands of Americans qualify for it every day. Hard choices for millions – food, rent, medicine, and more – await. Tell your story. Do you have to make a choice like this? Between food / rent – and your medicine? I won’t identify you if you will. My email: [email protected].

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