Budget Direct Insurance Sets the Benchmark in Digital Transformation

Singapore, (ANTARA/PRNewswire)- Budget Direct Insurance, an acclaimed industry leader, proudly asserts its position at the forefront of digital transformation for elevated customer service, backed by a proven track record of innovation.

As one of Singapore’s pioneering tech-driven insurers, Budget Direct Insurance adopted the Singpass Mobile login service, enabling customers to seamlessly access their online insurance accounts. Additionally, the company emerged as an early adopter of Myinfo, streamlining the car insurance quoting process by leveraging data from government sources.

The recent integration of PayNow QR (and SGQR) further enhances the customer experience, offering a convenient platform that simplifies payment, making it an efficient and user-friendly choice for Budget Direct customers when it comes to buying insurance. PayNow extends to the claims process too, allowing instant payouts for approved motor and travel claims through electronic fund transfers. In addition to these advancements, Budget Direct Insurance maintains one of the fastest quote processes, providing indicative quotes within a mere 30 seconds.

The integration of PayNow QR provides an efficient and user-friendly choice for Budget Direct customers when it comes to buying insurance.

Another technological stride by Budget Direct is the introduction of the SMS policy purchase and renewal option. This feature ensures a faster and more secure process, allowing customers to reply to an SMS for instant policy purchase or renewal.

Simon Birch, CEO of Budget Direct Insurance, remarked, “As Singapore propels itself toward becoming a smart nation, we lead the way as a truly smart insurer. Our commitment to embracing and implementing technological advances reflects in our customer-centric approach and consistently low premium prices.”

In the pursuit of next-generation customer service, Budget Direct Insurance has partnered with Genesys, a global leader in cloud customer experience solutions. The company has introduced cutting-edge call routing systems, enabling efficient matching

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Read This Before You Buy ‘Cancel For Any Reason’ Travel Insurance

When it comes to protecting your next vacation against unforeseen events, there’s insurance — and there’s insurance.

In fact, when most people think of travel insurance, they’re probably thinking of “cancel for any reason” insurance, which allows you to cancel your trip for any reason and get a partial refund.

“Travel insurance can help you get your money back should you have to cancel for unforeseen covered reasons,” explains Bailey Foster, vice president of trip insurance at Trawick International. “But if you want more flexibility, you may need ‘cancel for any reason’ coverage.”

“Cancel for any reason” insurance is hot this year. A new report by Cover Genius finds travelers are willing to pay extra for this comprehensive protection. The research also suggests that customers are happier with the added protection, with higher customer satisfaction scores when they buy a “cancel for any reason” policy.

The reason? “‘Cancel for any reason’ is a more comprehensive option many travelers choose for extra peace of mind when booking a trip in advance,” says Kyle Keogh, Cover Genius’ chief business officer for the Americas.

Normal travel insurance will cover a wide variety of events, notes Joe Cronin, president of International Citizens Insurance. “‘Cancel for any reason’ travel insurance provides an additional level of coverage to give you peace of mind before booking your trip.”

What Is ‘Cancel For Any Reason’ Travel Insurance?

“Cancel for any reason” insurance, as the name suggests, allows you to cancel your trip for any reason and receive a partial refund of your prepaid, nonrefundable trip expenses. It’s typically sold as an add-on to traditional travel insurance.

Here’s what

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Misguided Attacks On Title Insurance Could Have Grave Consequences

In the last couple of years Fannie Mae
and its government overseer, the Federal Housing Finance Agency have taken aim at the title insurance industry – an often overlooked but important part of the housing finance infrastructure that protects homeowners from possible issues regarding the provenance of the title of any home they are attempting to purchase.

For instance, Fannie Mae’s recently-scrapped title waiver pilot program – which would have resulted in the GSE taking on an altogether new role in the primary market with which it has no experience nor authority – and recent expanded acceptance of unregulated attorney opinion letters in lieu of title insurance on certain loans are evidence of the reality that government regulators have gaping misconceptions about what title insurance entails and the risks involved with alternatives.

These attempts to sidestep title insurance is a mistake, and any ostensible cost savings would likely be outweighed by the lack of coverage and uncertainty these efforts would create in the real estate market.

Title insurance is fundamentally different from property and casualty insurance or other insurance products, where most of the upfront cost is marketing. Title companies incur significant upfront expenses related to conducting public records searches and rectifying any problems found before the buyer closes on the home. For a one-time fee that typically costs the borrower approximately 0.5% of the home’s purchase price, less than most all other fees involved in the mortgage process over the life of a loan, title insurance companies ensure clear property ownership rights for home buyers and provide comprehensive coverage if a problem arises.

Title insurance rates are regulated at the state level, and due to significant fixed costs to produce a title policy, the industry’s profit margins are much lower than other lines of insurance. The National

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Is the Talent War Over?

Since March 2020, the data privacy team at Lewis Brisbois Bisgaard & Smith has worked remotely, handling client breaches from a variety of locations and only going into the office on an as-needed basis. This is because of the diffuse nature of cybersecurity legal services, says practice group chair Sean Hoar, which relies on the group operating around the clock from a variety of locations.

When Hoar’s 44-member group relocated to Constangy, Brooks, Smith & Prophete at the beginning of this year, the team’s virtual work preference was a “unique” arrangement that leaders at labor and employment-focused Constangy were happy to agree to.

“We’re treating this group as both a virtual office and a practice group,” says Neil Wasser, chairman of the executive committee at Constangy. “It’s going to be fully integrated group that works together daily as a virtual office. We think it is reflective of how we’re going to see law firms work in the future.”

The Lewis Brisbois to Constangy move, one of the largest lateral group moves in the first month of 2023, indicates that, under the right circumstances, firm leaders are still willing to allow the kind of workplace flexibility that firms had no choice but to accept over the past several years. If the COVID-19 pandemic showed that remote work was a viable stop-gap solution, the frenzied pace of deal work that prompted 2021′s hiring boom kept it going by tilting labor market dynamics in candidates’ favor.

Neil Wasser, chairman of the executive committee at Constangy;. Courtesy photo

However, as receding demand for legal services and correspondingly legal talent sends the seesaw tilting in the opposite direction, the willingness of law firm leaders to accommodate the workplace preferences of candidates is now an open question. Industry observers and firm leaders say the visible manifestations 

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Rule 1.2 Scope of Representation And Allocation of Authority Between Client And Lawyer

Client-Lawyer Relationship

Allocation of Authority between Client and Lawyer

[1] Paragraph (a) confers upon the client the ultimate authority to determine the purposes to be served by legal representation, within the limits imposed by law and the lawyer’s professional obligations. The decisions specified in paragraph (a), such as whether to settle a civil matter, must also be made by the client. See Rule 1.4(a)(1) for the lawyer’s duty to communicate with the client about such decisions. With respect to the means by which the client’s objectives are to be pursued, the lawyer shall consult with the client as required by Rule 1.4(a)(2) and may take such action as is impliedly authorized to carry out the representation.

[2] On occasion, however, a lawyer and a client may disagree about the means to be used to accomplish the client’s objectives. Clients normally defer to the special knowledge and skill of their lawyer with respect to the means to be used to accomplish their objectives, particularly with respect to technical, legal and tactical matters. Conversely, lawyers usually defer to the client regarding such questions as the expense to be incurred and concern for third persons who might be adversely affected. Because of the varied nature of the matters about which a lawyer and client might disagree and because the actions in question may implicate the interests of a tribunal or other persons, this Rule does not prescribe how such disagreements are to be resolved. Other law, however, may be applicable and should be consulted by the lawyer. The lawyer should also consult with the client and seek a mutually acceptable resolution of the disagreement. If such efforts are unavailing and the lawyer has a fundamental disagreement with the client, the lawyer may withdraw from the representation. See Rule

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Professional Independence of a Lawyer

Law Firms And Associations

(a) A lawyer or law firm shall not share legal fees with a nonlawyer, except that:

(1) an agreement by a lawyer with the lawyer’s firm, partner, or associate may provide for the payment of money, over a reasonable period of time after the lawyer’s death, to the lawyer’s estate or to one or more specified persons;

(2) a lawyer who purchases the practice of a deceased, disabled, or disappeared lawyer may, pursuant to the provisions of Rule 1.17, pay to the estate or other representative of that lawyer the agreed-upon purchase price;

(3) a lawyer or law firm may include nonlawyer employees in a compensation or retirement plan, even though the plan is based in whole or in part on a profit-sharing arrangement; and

(4) a lawyer may share court-awarded legal fees with a nonprofit organization that employed, retained or recommended employment of the lawyer in the matter.

(b) A lawyer shall not form a partnership with a nonlawyer if any of the activities of the partnership consist of the practice of law.

(c) A lawyer shall not permit a person who recommends, employs, or pays the lawyer to render legal services for another to direct or regulate the lawyer’s professional judgment in rendering such legal services.

(d) A lawyer shall not practice with or in the form of a professional corporation or association authorized to practice law for a profit, if:

(1) a nonlawyer owns any interest therein, except that a fiduciary representative of the estate of a lawyer may hold the stock or interest of the lawyer for a reasonable time during administration;

(2) a nonlawyer is a corporate director or officer thereof or occupies the position of similar responsibility in any form of association other

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Rule 3.7 Lawyer As Witness


[1] Combining the roles of advocate and witness can prejudice the tribunal and the opposing party and can also involve a conflict of interest between the lawyer and client.

Advocate-Witness Rule

[2] The tribunal has proper objection when the trier of fact may be confused or misled by a lawyer serving as both advocate and witness. The opposing party has proper objection where the combination of roles may prejudice that party’s rights in the litigation. A witness is required to testify on the basis of personal knowledge, while an advocate is expected to explain and comment on evidence given by others. It may not be clear whether a statement by an advocate-witness should be taken as proof or as an analysis of the proof.

[3] To protect the tribunal, paragraph (a) prohibits a lawyer from simultaneously serving as advocate and necessary witness except in those circumstances specified in paragraphs (a)(1) through (a)(3). Paragraph (a)(1) recognizes that if the testimony will be uncontested, the ambiguities in the dual role are purely theoretical. Paragraph (a)(2) recognizes that where the testimony concerns the extent and value of legal services rendered in the action in which the testimony is offered, permitting the lawyers to testify avoids the need for a second trial with new counsel to resolve that issue. Moreover, in such a situation the judge has firsthand knowledge of the matter in issue; hence, there is less dependence on the adversary process to test the credibility of the testimony.

[4] Apart from these two exceptions, paragraph (a)(3) recognizes that a balancing is required between the interests of the client and those of the tribunal and the opposing party. Whether the tribunal is likely to be misled or the opposing party is likely to suffer prejudice

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How to become a lawyer

If you’ve got your sights set on becoming a lawyer there’s a number of ways you can achieve your goal. Learn more about the different qualifications, skills and experience you’ll need to become a solicitor, barrister, chartered legal executive or paralegal

What’s the difference between a solicitor and a barrister?

Lawyer is a general term referring to anyone who is qualified to give legal advice as a licensed legal practitioner. This includes solicitors and barristers.

Solicitors provide legal support, advice and services to clients, who can be individuals, private companies, public sector organisations or other groups. Working in private practice, in-house for commercial organisations, in local or central government or in the court service, they may specialise in certain areas of law such as property, family or finance.

In England and Wales, barristers represent individuals or organisations in court, carry out research into points of law and advise clients on their case. Many are self-employed in chambers, while others work in government departments or agencies including the Crown Prosecution Service (CPS) and Government Legal Service (GLS). Advocates play a similar role in Scotland.

Besides solicitors and barristers, other legal jobs that are often collectively referred to as ‘lawyers’ can include:

  • Chartered legal executives are qualified lawyers who specialise in particular fields of law such as civil and criminal litigation, corporate law or public law. Only those who complete the Chartered Institute of Legal Executives’ (CILEx) training programme can use this title.
  • Paralegals carry out legal work without being qualified as a solicitor or barrister. They support lawyers by, for instance, preparing briefing notes and interviewing clients and witnesses.

Try to arrange work shadowing and work experience placements, and attend insight days, to help you decide which path suits you. Find out more about law careers and the different areas of

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Lawyer asks to prosecute Xinjiang governor in the UK | UK news

A lawyer representing a Kazakh man who has alleged severe human rights violations perpetrated by the Chinese state has requested permission from the UK attorney general to prosecute a Xinjiang governor expected to arrive in Britain on Sunday.

On Wednesday, the Foreign Office shocked cross-party opponents of the Chinese treatment of Uyghur people and other Turkic groups who called it “incomprehensible” that the Xinjiang governor, Erkin Tuniyaz – who has been sanctioned by the US – is planning to visit the UK next week.

Tuniyaz, whom MPs allege has played “a central role in the persecution of Uyghurs”, also plans to make trips to other European countries to meet “stakeholders” to “discuss the situation in Xinjiang”, according to an email from the Foreign Office.

The prosecution request over Tuniyaz’s role in alleged human rights violations perpetrated against Uyghur people and other Turkic groups in China over the crime of torture was made by the barrister Michael Polak on behalf of Erbakit Otarbay, a Kazakh camp survivor now living in the UK. Polak sent the request to the attorney general late on Wednesday night and hopes to receive a response later on Thursday.

“Because the client is in the United Kingdom and an alleged victim of torture, he’s entitled to bring a case against Mr Tuniyaz,” said Polak. “Of course, Mr Tuniyaz is entitled to a fair trial … and he can reject or fight the allegations.”

In 2021, Ortabay submitted a statement to the Uyghur Tribunal, an independent and unofficial tribunal that found Uyghur people living in Xinjiang province had been subjected to crimes against humanity directed by the Chinese state.

In May 2017, Ortabay said his passport was confiscated by Chinese authorities on his way back to visit his father in China. He emigrated to Kazakhstan with his family

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AI Lawyer “Ross” Has Been Hired By Its First Official Law Firm

Law firm Baker & Hostetler has announced that they are employing IBM’s AI Ross to handle their bankruptcy practice, which at the moment consists of nearly 50 lawyers. According to CEO and co-founder Andrew Arruda, other firms have also signed licenses with Ross, and they will also be making announcements shortly.

Ross, “the world’s first artificially intelligent attorney” built on IBM’s cognitive computer Watson, was designed to read and understand language, postulate hypotheses when asked questions, research, and then generate responses (along with references and citations) to back up its conclusions. Ross also learns from experience, gaining speed and knowledge the more you interact with it.

“You ask your questions in plain English, as you would a colleague, and ROSS then reads through the entire body of law and returns a cited answer and topical readings from legislation, case law and secondary sources to get you up-to-speed quickly,” the website says. “In addition, ROSS monitors the law around the clock to notify you of new court decisions that can affect your case.”

Ross also minimizes the time it takes by narrowing down results from a thousand to only the most highly relevant answers, and presents the answers in a more casual, understandable language. It also keeps up-to-date with developments in the legal system, specifically those that may affect your cases.

Click to View Full Infographic

Baker & Hostetler chief information officer Bob Craig explains the rationale behind this latest hire: “At BakerHostetler, we believe that emerging technologies like cognitive computing and other forms of machine learning can help enhance the services we deliver to our clients.”

“BakerHostetler has been using ROSS since the first days of its deployment, and we are proud to partner with a true leader in the industry as we continue to develop additional

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