Retroactive period in the insurance business. Retrospective bonus program for wholesale customers New explanatory and derivational dictionary of the Russian language, T.F. Efremova

The conditions of modern insurance allow you to apply various methods of covering possible losses. One of the methods used is the insurance of the past tense - the so-called insurance in the retroactive period. This type of compensation is used in contracts concluded between legal entities in various areas of economic activity.

What is a "retroactive period"?

The retroactive period is the term of the insurance policy agreed by both parties. The insurance period begins in the periods preceding the date of the conclusion of the insurance contract and ends on the date of the policy issue. All insured events occurring during this period are covered from the amount of insurance compensation.

Typical clauses in an insurance contract

In insurance contracts, the retroactive period of insurance is a time factor that determines the payment of compensation for an event that occurred before the signing of the contract.

There are two types of such a period:

  • Annual base of the contract. In this case, the date of the report of the insurance period begins from the moment the organization is admitted to work. The damage to be covered in the event of an insured event must be caused no earlier than three years before the insurance period.
  • Project base of the contract. The retroactive period is counted from the start of work.

Consideration of claims

The priority area of \u200b\u200bimplementation (retroactive insurance) is construction,

The essence of the compensation is to compensate for the losses that have been identified for the work already performed. True, this rule is valid only if at the time of drawing up the insurance policy, the beneficiary did not know about the existing miscalculations and should not have known (did not receive letters, orders, or upon the discovery of the shortcomings).

The issue of including the past period in the validity of the insurance has been repeatedly considered by the arbitration courts. But the basic rule is that the retroactive period can be considered as such only with the agreement of the parties. Even if the parties assume the existence of such a clause, but do not include it in the insurance conditions, damages may be refused.

If the insured person knew about the mistakes made, but nevertheless bought the policy, then such actions are regarded as fraud.

Today, a variety of types of loyalty programs are widely used in retail to attract and retain customers. This marketing technique is also relevant for increasing the volume of wholesale purchases.

In the sphere of wholesale trade, the usual loyalty system has a number of features and implementation nuances.

The essence of the program

Each company adjusts to its needs, sales plans, changing mechanisms, conditions, time frames for calculating and using bonuses. Various modifications of the retrospective bonus program, or retro bonuses, are popular in wholesale retail.

Retrospective loyalty program for wholesale customers (rebate) is a marketing mechanism for encouraging buyers and supporting wholesale sales. The system assumes that the wholesale buyer is rewarded at a certain point in time (for example, quarterly) for purchases in the previous reporting period. The amount of remuneration is determined depending on the volume of purchases of the wholesaler (distributor) and the fulfillment of the conditions for receiving bonuses.

To build long-term and profitable relationships between the seller and the distributor, counterparties enter into special contracts. The contracts reflect the terms, conditions, mechanisms for calculating and using retrospective bonuses. Distributors and other wholesale buyers also have the right to use the retrospective discounts received as a tool to incentivize their purchasing partners by giving them a part of the bonus.

Ways to provide retro bonuses

In wholesale retail, merchant companies offer customers a number of ways to get retro bonuses:

    Material reward - the wholesaler receives an incentive in the form of a return of part of the money he spent on purchasing goods in the previous reporting period. This is the most profitable option for wholesale buyers to receive retro bonuses, since the money received can be spent for any purpose (often a fixed percentage of the cost of the purchased product).

    Cash bonus- is paid, as a rule, for the fulfillment of the terms of sale, the implementation of the established volume of sales (often a fixed amount).

    Option - a special marketing proposal for a specific wholesaler. The company offers a customer to buy a specific product at a discounted, discounted price for a fixed time. The number of preferential goods, as a rule, is not limited. The wholesaler decides for himself whether to use the offer or not.

    Bonus product - goods as a gift for the counterparty in gratitude for the loyalty to the company. For each wholesaler, the "gift" is selected individually based on the analysis of his purchases. From the point of view of taxation and accounting, this is a rather complicated way of providing retro bonuses. Therefore, you need to use the services of an experienced lawyer and draw up an additional contract to receive a "gift".

    Virtual currency- providing the opportunity to pay for future purchases with retrospective bonuses. Depending on the importance of the counterparty for the selling company, the percentage of payment, the term for using points, and additional conditions may be limited.

Conditions for calculating retro bonuses

Companies can meet different criteria and conditions for earning flashback points. Often the following criteria for awarding points are used to organize a retrospective bonus program:

    sales plan fulfillment - accumulation of a certain amount of sales in the previous period with detailing to specific groups of goods;

    early repayment of debts - if the products are taken in installments (debt), then the seller can encourage the refund by accruing additional points;

    growth in the number of sellers in the trading network Is also a popular incentive to reward wholesale buyers. New distributors will significantly increase sales, gain additional profit for the seller, so this direction of the distributor's activity should be encouraged.

The conditions for receiving retro bonuses are determined for each counterparty individually. They are formed on the basis of the analysis of cooperation indicators, the importance of the wholesaler, and the degree of his loyalty.

The Manzana Group develops effective loyalty programs to support wholesale sales. Our specialists take an individual approach to the execution of each order, taking into account all the wishes of customers and the specifics of their business If you are planning to organize a retrospective bonus program, then we are waiting for you in our office.

Retrospective

RETROSPECTIVE oh, oh. retrospectif, -ive adj. lat. retro back + specio look. ABOUT turned into the past, containing a review of past events... BAS-1. In general, "Dramatic" wears a strong, very elegant way of speaking nowadays, retrospective, and this is precisely what makes it unusually curious. BDCH 1851 105 6 134. We received from St. Petersburg, but more historical, that is, retrospective than reporting news. Hertz. ... A. Bludova. It is an omnipotent science - already because, to say, it is retrospective. 1927. Amphitheaters Firebird. Retrospectively , adv. Then in Samara, when I was a middle school student, it did not occur to me to find out whether there was discrimination between genuine Russians and foreigners. Only now, in retrospect, I can say that there was no such discrimination. Yu. K. Meyer Zap. last. cuirassier. // POA 6 570. - Lex. SIS 1937: retrospective / clear.


Historical Dictionary of Russian Gallicisms. - M .: ETS Dictionary Publishing House http://www.ets.ru/pg/r/dict/gall_dict.htm. Nikolay Ivanovich Epishkin [email protected] . 2010 .

See what "retrospective" is in other dictionaries:

    RETROSPECTIVE - looking backward, extending to the past or the previous (retrospective look at the past). Dictionary of foreign words included in the Russian language. Pavlenkov F., 1907. RETROSPECTIVE facing the past. Complete dictionary ... ... Dictionary of foreign words of the Russian language

    RETROSPECTIVE - RETROSPECTIVE, retrospective, retrospective; retrospective, retrospective, retrospective (from Latin retro back and look specto) (book). Containing a statement or overview of the past, moving from the present to the past. Retrospective ... ... Ushakov's Explanatory Dictionary

    Retrospective - (looking back in time, touching the past). Wed My retrospective stories, published under the title "Yudol", caused bewilderment in some people. Luskov. About the quakers. Wed Very happy (you played)! I obscured, admiring ... ... Michelson's Big Explanatory Phraseological Dictionary (original spelling)

    RETROSPECTIVE - RETROSPECTIVE, oh, oh; veins, vna (book). Looking to the past, in retrospect. R. look. R. screening of films. | noun retrospective, and, wives. Ozhegov's Explanatory Dictionary. S.I. Ozhegov, N.Yu. Shvedova. 1949 1992 ... Ozhegov's Explanatory Dictionary

    retrospective - adj., number of synonyms: 1 looking to the past (1) ASIS synonym dictionary. V.N. Trishin. 2013 ... Synonym dictionary

    retrospective - (looking back in time, concerning the past) Cf. My retrospective stories, published under the title Yudol, aroused bewilderment in some people. Leskov. About the Quakers. Wed Very happy (you played)! I noticed, admiring ... ... Michelson's Big Explanatory Phraseological Dictionary

    Retrospective - adj. 1.rel. with noun retrospective, retrospection, associated with them 2. Peculiar to retrospective, retrospection, characteristic of them. 3. Located in the time sequence of creation, moving from the present to the past (about works ... ... Modern explanatory dictionary of the Russian language by Efremova

    retrospective - retrospective, retrospective, retrospective, retrospective, retrospective, retrospective, retrospective, retrospective, retrospective, retrospective, retrospective, retrospective, retrospective, retrospective, ... ... Forms of words

    retrospective - facing back or into the past, referring to the past, to past events ... Explanatory translation dictionary

    retrospective - retrospective; short the shape of the veins, in ... Russian spelling dictionary

Books

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  • Gasification of condensed fuels: a retrospective review, current state of affairs and development prospects, V. V. Kopytov. This book presents an illustrated historical path of origin, formation, prosperity, temporary oblivion, the current level of development and prospects of technology and equipment ...

The section is very easy to use. In the proposed field, just enter the desired word, and we will give you a list of its meanings. I would like to note that our site provides data from various sources - encyclopedic, explanatory, derivational dictionaries. Also here you can get acquainted with examples of the use of the word you entered.

Retrospective

Dictionary of Medical Terms

Explanatory dictionary of the Russian language. D.N. Ushakov

retrospective

retrospective, retrospective; retrospectively retrospectively, retrospectively (from Latin retro - back and specto - I look) (book). Containing a statement or overview of the past, moving from the present to the past. A retrospective view.

Explanatory dictionary of the Russian language. S.I.Ozhegov, N.Yu.Shvedova.

retrospective

Aya, th; -ven, -vna (book). Turning to the past in retrospect. R. look. R. screening of films. n noun retrospective, -and, well.

New explanatory and derivational dictionary of the Russian language, T.F. Efremova.

Examples of the use of the word retrospective in the literature.

And, for example, the fratricidal struggle in the temple during the siege of Jerusalem, although it took place more than thirty years after the crucifixion of Jesus, retrospectively sheds light on his time, for it represented the logical finale of the same drama, the culminating manifestation of the disease that has long tormented the Jewish people.

This hateful penalty work on a given topic had the desired effect on Perigrin, who considered it not only a gross abuse directed against his own behavior, but also retrospective insulting the memory of his grandfather, who during his lifetime was famous more for his cunning than for his honesty in the trade.

In part, I have already spoken about Anna Vasilievna's relationship to me as a child, describing our life in Zavidovo and Rybinsk, but I understood it very much retrospectively.

The meeting with Anna Vasilievna was arranged for Elkin Maria Rostislavovna Kapnist, whom he met by chance in Crimea, and when he met, he shared his work plans - he was busy then retrospective an assessment of various versions of the death in 1916

A strong personality, Harris was able to inspire the crews and improve the organization of the bomber command, however retrospectively many of his views and decisions appear to be erroneous.

From the analysis of the Aristotelian concept of time, it also becomes retrospectively it is clear that Kant's comprehension of time moves in the structures identified by Aristotle, and this says that Kant's ontological basis orientation - with all the differences in the new question - remains Greek.

The ontological structures of presence obtained so far must retrospectively highlight their temporal meaning.

No, they were not right, passivity in the face of active evil cannot be retrospectively justified by no turn of events.

Makar Devushkin's obsession to upset Varenka's marriage to the landowner Bykov retrospectively repeats the dream of the real Dostoevsky to free his sister from marriage with a guardian.

However, judging by the fact that the date of the reply note, February 20, 1949, was attributed by the hand of the younger brother only retrospectively, one must think, he hardly suffered from forgetfulness.

Fyodor, the defender of his older brother, memoirist Andrei Mikhailovich made an attempt to defend himself against accusations of treason, which retrospectively brothers Michael and Fyodor could lay on him.

No, the situation is simpler: Radek and Romm, under the leadership of the GPU, built retrospectively in 1937 a diagram of the events of 1932.

Subjective retrospective the assessment of early homosexual experience depends mainly on the sexual orientation of the boy and on the circumstances under which it happened.

Diachronic linguistics was divided into prospective and retrospective.

 

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