NCRIB Advocates Compulsory Agric Insurance For Economic Growth


The Nigerian Council of Registered Insurance Brokers (NCRIB) has underscored the need for government to make agricultural insurance compulsory in the country.

NCRIB President, Shola Tinubu, made this known while addressing Course 39 set of the Nigerian Institute of Policy and Strategic Studies (NIPSS), Kuru.

According to him, the government’s quest to reflate national economy and put the nation on sustainable path of economic vibrancy should necessitate the need to make agricultural insurance compulsory as a pre-condition for facilities, subsidies and other government support.

Tinubu, who applauded government’s progressive moves to diversify the economy from oil to non-oil, averred that in order to increase insurance penetration in a geometric proportion there should be concentration on the Agric sector in terms of marketing the intrinsic value of Insurance products to farmers and other Agricultural and Agro allied sectors.

He highlighted the need for the government to embrace insurance in its efforts to take prudent economic strides, considering the scarce resources and government’s tight budget make it less likely to easily replace assets in the event of loss.

He opined that it was time for governments across levels to transfer their risks to the insurance market and free funds for other developmental projects, noting that the time was ripe for them to issue directives to ensure that all assets are insured through licenced insurance brokers, with risks premiums provided for in their yearly budgets.

On payment of bidding fees by brokers, NCRIB President urged the government to retool the procurement rules for brokers, making it to be in tandem with similar professional bodies like lawyers, accountants, architects, and other allied professionals.

Tinubu urged Nigerian Interbank Settlement System (NISS) to utilise its pivotal position to advice government on the crucial roles of brokers in the insurance value chain and the growth of the industry, which he noted was the linch pin of sustainable economic growth of progressive nations in the world.

He lauded NIPSS for retaining its prestige as the foremost leadership institution in the country, with attendance of top level policy makers and executors drawn from different sectors of the economy, with a view to widening their outlook and perspectives on issues and improving their conceptual capacity..

He further said the Council has joined the league of notable professional bodies and functionaries, such as the Central Bank Governor; the Service Chiefs; the Inspector General of Police and numerous academia, who had in past added value to policy conception and advocacy roles of the Institute.

Earlier, the Acting Director-General of the Institute, Jonathan Juma, advised the insurance industry to create more awareness about the value of insurance to national economy and be ingenious in the creation of valued products that would meet the needs of the people.

He said from comparative studies the industry is the main catalyst of economic growth in most advanced climes visited by the institute and there was no basis why Nigeria should not witness the same development if the industry positioned itself positively for desired growth and profitability.


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  55. Seeking to get a medical marijuana card on-line in California.
    This proposition allowed adults to cultivate one hundred sq.
    foot garden of marijuana and possess all the hashish products from that garden. There’s the
    potential for public consumption of marijuana in licensed marijuana lounges and different license
    places that may promote it. In different phrases, adults can be allowed to eat cannabis both in personal residence and other licensed public location. Also illegal possession and
    cultivation below this proposition is just not enough purpose to take
    away a toddler or deliver expenses towards the mother and father.
    The proposition allowed eight completely different industrial marijuana licenses to be issued.

    For that reason, I extremely recommend In case you use this firm then your suggestion might be
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    When individuals are searching for a health care
    provider to get a medical advice one essential criterion is price.
    Fact is, many of the current medical marijuana doctors are charging nicely
    over $100 for a suggestion and renewals aren’t any cheaper.

    At you only pay $fifty nine in the event you’re a new affected person and $forty five for
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    California’s medical hashish program was established when state voters permitted Proposition 215 (often known as the Compassionate Use Act of
    1996) 12 on the November 5, 1996 pollwith a 55% majority.
    The first answer of this got here by laws that established statewide pointers
    for Proposition 215 by Senate Bill 420 in January 2003.
    To distinguish patients from non-patients, Governor Grey Davis signed California Senate Invoice
    420 (colloquially generally known as the Medical
    Marijuana Program Act) in 2003, establishing an identification card system for medical marijuana patients.
    SB 420 additionally allows for the formation of patient collectives, or non-revenue organizations, to offer the drug to patients.

    California is one among eight states the place recreational
    hashish usage is legal, together with Alaska , Colorado , Maine , Massachusetts
    , Oregon , Washington, and Nevada Adults are allowed to possess up to one ounce of
    hashish for recreational use and can develop up to six
    dwell crops individually or extra commercially with a license.
    Licenses shall be issued for cultivation and enterprise institution starting in 2018.
    California was the first state to ascertain a medical marijuana program, enacted by
    Proposition 215 in 1996 and Senate Bill 420 in 2003. California’s Supreme Court has
    dominated there aren’t any specified limits as to what a affected person might possess of their private residence if
    the cannabis is strictly for the patient’s own use.

    Possess, plant, domesticate, harvest, dry, or process not more than six reside vegetation and the
    produce of these vegetation in a non-public residence, in a locked space not seen from normal
    view, in compliance with all native ordinances. Possess, transport, buy, obtain, use, manufacture,
    or give away marijuana paraphernalia to peoples the age of 21 or older.
    Possess, ingest or smoke within 1,000 ft of a day care,
    college, or youth center whereas children are current
    (besides inside a private residence and if stated smoke is not detectable
    to mentioned youngsters). Manufacture concentrated hashish using a volatile solvent without a license underneath Chapter three.5 of Division 8 or Division 10
    of the Business and Professions Code.

    For areas in Utah outdoors that area, just contact me and
    we’ll discuss it. You really needn’t have a card
    to grow or possess pot in the state. The kind described at the
    California Department of Public Health Web page. Jerry Brown on Friday, October 9, 2015 signed into law a legislative package of payments that seeks
    to supply regulations for California’s medical cannabis trade.

    The Medical Marijuana Regulation and Security
    Act creates a brand new state agency inside the Department of
    Consumer Affairs to develop rules and licensing procedures for approved medical cannabis dispensaries.

    Dispensaries must be compliant with native guidelines previous to
    receiving a state license.

    However, you may doubtlessly save yourself a problem down the line
    by applying for, and obtaining a voluntary State issued medical
    marijuana card. California regulation SB 420 mandates every county to determine a Medical Marijuana ID Program to problem elective
    ID playing cards to folks with critical medical circumstances and their caregivers.
    With or without the non-obligatory ID card, people with documented severe
    medical situations and their caregivers are protected from arrest for possession, transportation, deliver or cultivation of marijuana.
    The law requires that a doctor certify that the person has
    a critical medical situation and that medical marijuana is acceptable for their use.

    Written statement from their physician MD
    or DO (Physician of Osteopathy licensed in California) stating that the patient has
    a severe medical condition and that medical use of marijuana would be
    acceptable. At the appointment, a photograph will likely
    be taken and the Contra Costa Health Services will send the
    information and photo to the California Department of Well being Services.
    Following the state’s verification of knowledge, a state-issued Medical Marijuana ID card will
    probably be sent to Contra Costa Health Services and you may be notified that your card is able to be picked up.
    New affected person: $35.00 for one full yr with 24/7 verification.

    On account of the newfound leisure legality, adults are legally
    allowed to possess as much as one ounce of marijuana at a time, and cultivate as much as
    6 vegetation – as long as they are out of public view.
    Individuals searching for a medical marijuana identification card should first prove they are
    over the age of 18 and a California resident. A certified affected person could possess as much as eight ounces (half
    pound) of marijuana at one time. Qualified patients are additionally allowed to
    grow up to 6 mature crops or 12 immature plants. Culturally, California is
    pretty accepting of leisure pot. If leisure use is
    legalized, folks will have the ability to grow in additional public places (like
    their backyards) and the threat to the National Forest can be lowered or eliminated.

    California law has historically required patients seeking
    state-issued cannabis playing cards to travel to particular clinics to
    be evaluated by licensed medical doctors. If a affected person passes analysis, they should pay a payment,
    around $100 or extra, and wait just a few days earlier than receiving their card within the mail.
    EazeMD provides a new system that founder Keith McCarty says will streamline the process and help sufferers obtain their medicinal marijuana playing cards in a legal and extra environment
    friendly way. The Medical Board of California states that telehealth is seen as a software when practising medication; it’s
    not a separate form of drugs.

    And so it came to go that every time I went to meet this common guy, I handed an institution known as Doctor
    Kush. Physician Kush didn’t appear to be a medical institution, I need to
    say. A tragic-faced physician sat waiting within,
    staring into space. The second time past, my years of rigorous journalism training
    kicked into gear. The physician was a pleasing, tired-looking girl in a white coat named Carolyn. I walked out and proceeded on to Physician Kush’s
    related institution, the Medical Kush Beach Membership, which is true throughout from Muscle Beach and up a slender
    flight of stairs. I left a few minutes later, feeling very very like a man who stopped off for a chilly one on the way in which house
    — fairly a distinction from the furtive forays to
    the prison underworld that knowledgeable sources so usually describe.

    What is your condition?” he asked with out making eye contact.
    I was about to experience firsthand a course of the state is working to reform: how Californians get medical marijuana playing cards.

    But it surely was my first week on the job as the Register’s
    first pot reporter,” and I used to be intent on overlaying
    High Instances magazine’s Hashish Cup. Then we observed The Green Medical doctors, a Venice-based mostly enterprise
    that had arrange a cell clinic simply contained in the festival.
    We handed over our driver’s licenses and each acquired a two-page form.
    Then there was space to record well being circumstances we’ve
    had for six months that we felt is likely to be helped by way of

    He did not ask comply with-up questions about our circumstances.
    And the doctor didn’t offer advice as to
    how we would deal with these maladies, such as what type of hashish would finest ease my migraines or how much my husband ought to consume to assist him sleep.

    My husband and I didn’t notice once we left the physician’s table that our examination” was over.

    Lucy Khalil, common supervisor of The Green Doctors, was waiting with a white lab coat on. She informed us
    it was $80 for a three-month referral or $a hundred and sixty for a 12 months.
    Khalil mentioned superb, however it could still be $forty for the examination. Dozens of on-line Yelp opinions and a
    Better Business Bureau complaint by folks claiming to have been prospects of the Venice Seaside
    shop raised bait and switch” concerns, claiming sidewalk hawkers quoted them a value of
    $forty that greater than doubled before they had playing cards in hand.

    The proposition exempts certified sufferers and first care-givers from possession and cultivation legal guidelines for personal
    medical functions. SB 420 was later enacted to exempt qualified
    patients from transportation laws within CA as effectively, and offers
    a codified threshold quantity of a minimum of 8 ounces and 6
    vegetation. The voter pamphlet for Proposition 215 from 1996 moreover makes zero reference to
    MMJ qualification applying to solely California residents.
    There is no such thing as a robust argument suggesting that Proposition 215
    solely applies to CA residents — and never one known CA appellate court docket determination has dominated in any other case.

    California enacted Prop 215 in a 12 months of Civil Rights primarily based propositions
    hitting the ballot. The initiative was designed to permit, as far as California
    legislation is worried, certified patients from anyplace within the United States to come back to California
    and qualify for the medical use of marijuana. Senate Invoice 420 grants collective
    cultivation rights, allowing certified patients who’re out of state to obtain their
    needed medicine by growers in California while within the state of California.
    When an out-of-state qualified affected person, corresponding to somebody from Oregon, comes
    into the state of CA with an Oregon advice, that individual (on this writer’s opinion)
    has the identical right to possess and domesticate marijuana
    under Proposition 215 as lawful residents.

    After I showed as much as the analysis heart (the place you get your license, not the weed),
    all that was required was a few twenty-minute wait
    and a few pages of paperwork to fill out. The one thing that does suck,
    however, is that not all dispensaries settle for
    out-of-state sufferers, so it’s best to test in forward of time earlier than you go in and purchase.
    Anything from again issues to sleeping points and loss
    of appetite are all considered legitimate reasons to get your card.

    Nevertheless, you must also be aware of people who find themselves utilizing marijuana for serious medical situations.
    During the evaluation, the doctor will listen to you intently and prescribe to
    you precisely what it’s essential really feel better.

    A medical marijuana affected person and their major caregiver are permitted to own up
    to eight ounces of dried marijuana and can maintain as
    much as 6 mature or 12 immature plants. Nevertheless, a doctor could write a recommendation permitting the
    affected person and caregiver to carry a better quantity fairly related to the needs of the affected person. A certified caregiver who possesses a state issued
    medical marijuana ID card should typically be protected against arrest and
    marijuana seizure. The California Department of Public Well
    being’s Medical Marijuana Identification Card Program (MMICP) was specifically established to create a State-authorized medical
    marijuana identification card, along with a registry database for verification of qualified patients and their
    primary caregivers.

    Participation by sufferers and first caregivers on this identification card
    program is voluntary. The net-based registry allows law
    enforcement and the general public to verify the validity of a professional patient or main caregiver’s MMIC as authorization to possess, develop, transport, and/or use medical marijuana inside California.
    Nevertheless, these notes are much less secure than a state issued ID card as
    police are granted more discretion in their dedication of the validity of the prescription notice.
    A person could serve as primary caregiver for more than one patient
    so long as the primary caregiver lives in the identical
    metropolis or county because the patients they serve.

    You have to be a California Resident with a sound California I.D.

    as proof of residency. Give us a name at 888-MY-420-MD or email us by the contact us section. If you arrive at
    our workplace, you will be asked to fill-out a medical history form along
    with some additional documents and disclosures. Patients must have
    on their individual a legitimate state-issued ID or driver’s license
    with them to ascertain proof of residency. Patients are strongly encouraged
    to herald medical information or previous prescription bottles with their identify on them.

    In some instances, exceptions will be made for sufferers who should not have entry to or have misplaced their documentation.

    In other phrases, you solely pay the evaluation charge if you are
    authorised. No, so long as the authorized guardian signs a
    waiver for the minor, someone who’s beneath 18 should still be eligible to turn into a patient.

    On September 9, 2008, the Fresno County Board of Supervisors accepted implementation of the Medicinal Marijuana Identification Card Program (MMIC) by
    the Fresno County Division of Public Well being. The purpose of this program is to confirm these patients and caregivers that
    have authorization to possess, grow, transport, and/or use medicinal marijuana
    in California. This program permits certified sufferers to use for
    and obtain identification playing cards for themselves and their major caregiver by their county of residence.

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