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A personal loan can be used for medical bills, debt consolidation, or events such as weddings and adoptions. However, you need to understand that 3-month loans monthly payments may not be the only associated costs. Most borrowers purchase personal loan insurance as security from defaulting just in case an unexpected event happens. In many cases, the added security of a personal loan can be an unnecessary added cost. However personal loan insurance should not be mandatory for people finding loans.
What is loan protection insurance?
Loan protection insurance is used to cover certain unexpected events that may occur for a short period, making you not pay your loan installments as expected for a specified period. There are four types of loan protection insurance covering various situation.
- Credit life insurance: This type of loan insurance covers those people that lose their lives before fully repaying their loans. It pays the whole amount of the remaining balance or part of it.
- Credit disability insurance: It is further referred to as health or accident insurance. It covers your loan payments for the period you can't work due to poor health.
- Involuntary unemployment insurance: This insurance coverage can pay your loan for a while, just in case you get laid off or lose your job.
- Credit property insurance: This is necessary when you have used your personal property as collateral for a loan. This insurance covers the property itself rather than the loan repayments.
Advantages and disadvantages of loan protection
A significant advantage of loan protection insurance is that it assists you not to default or make a late loan payment when unexpected events happen. Late payments and defaulting can significantly affect your credit score.
However, just like other types of insurance, your loan protection policy may not be necessary. Moreover, you are required to understand the details of your insurance policy before acquiring it.
What to look out for in a loan protection insurance
It is necessary for you to fully understand the claim process so that you don't get disqualified from using your insurance on the loan. Thus, you are required to read and understand the policy effectively. Filing an insurance claim after the payment due date has passed can disqualify you from an insurance cover.
Also, you need to understand what is covered by insurance. Missing work because of a medical condition can disqualify you from getting covered by insurance. There are also limitations if you are a part-time employee or self-employed.
Moreover, be cautious of lenders who make it mandatory for you to have a loan protection insurance to qualify for a loan. Credit insurance is usually optional. It's illegal for a lender to make it mandatory for you to have a loan insurance policy. The lender is also not allowed to include the loan insurance policy without your consent. However, lenders are required by law to notify their customers of the cost of credit insurance and loan costs. You are supposed to accept the insurance coverage in writing if you are comfortable with its terms and conditions.
Organizing events is a very stressful but fulfilling task once the event goes on smoothly. As explained by events company Manchester, for events to proceed without blunder or disaster (hopefully not!), a lot of health and safety considerations must be taken into account when organizing events. Event organizers have the ultimate responsibility for the success of the event, and they must be considering many things while planning the event including the safety of the attendees. For the security, health, and safety of the event, here are some tips to assess potential dangers that could hinder the success of the event:
Assess the Programme and Venue
It is important that the event has a rough or final program to ensure that the considerations and other assessments will not go to waste. Ensure that the program includes all activities that will be done and that there is an estimated number of attendees and their profile (e.g. mostly children, mostly elderly). Having considered this, one could assess the suitability of the venue via prior research and an actual inspection. Factors to consider include:
- Capacity – You must know if the capacity can handle the estimated number of attendees without sacrificing their comfort and safety.
- Convenience – Is the venue too hard to reach by the target audience? How does one commute there? Is there enough private car parking? Depending on the nature of the event, one might need easy access to emergency personnel (e.g. circus shows).
- Hazards – You must check common hazards such as the integrity of the structure (damaged ceilings, damaged power lines, etc.), the general safety of the area, and similar considerations.
After doing these assessments and the planned venue seems okay, the next step in organizing events that will consider health and safety is to draft a site map and make sure that it is detailed enough and everyone in the organizing team has a copy.
Create A Risk Assessment
Now that the venue has been assessed, you must consider possible hazards and the magnitude of the risks they present. Using scales to quantify the risk is also recommended.
The top hazards for events include:
- Equipment Hazards – Depending on the nature of the event, one must see if vital equipment poses any risk (e.g. electrical shock) to the attendees or if the attendees might damage the equipment.
- Crowd Control Hazards – Is there a chance that a stampede might occur? Will the crowd be sober or drunk throughout the event?
- Weather hazard – Check if the event date falls on a stormy day. This hazard might result in the postponement of the event depending on the severity of the weather.
Draft an Emergency Plan
Once the hazards have been identified and classified according to their severity, you must draft an emergency plan in the event that the hazards or feared incidents might occur. This is to add a safeguard to the integrity and smoothness of the event. Organizing events includes the need to be prepared for any untoward incident. The emergency procedures to be followed must be known to all key personnel (e.g. operators, ushers, security staff). Vital information such as potential hazards, traffic and parking guidelines, location of first aid stations, potential evacuation sites and nearest hospital(s) must be known. It is also suggested that signs and announcements be made before the event to inform the attendees.
Organizing events need not be stressful. Being well-prepared and taking into consideration health and safety issues during preparation can give you peace of mind.
Are you having a hard time at work and you can’t seem to meet your deadlines? Or are you stressed by the mounting responsibilities at home? Having a stressed mind and body not only slows down your productivity but also causes other health problems. As said by Relaxish, It is important to take some time to relax and unwind in order to be healthy and alert. Below are some simple Ways to Relax your mind and body.
How to Relax the Mind
Deep breathing is a relaxation technique that brings the mind to a relaxed state. This involves taking slow, deep breaths.
Most people can attest that expressive writing helps to calm down the mind. By writing down your personal life events and feelings, you will have a better outlook of life and this will undoubtedly reduce your stress.
Focusing on images that are amusing and appealing has been found to help calm and relax the mind. This is because the pleasing images act as a substitute for negative and stressful thoughts.
Meditation is an effective way to relax your mind as it aims in bringing your attention to your heart and the things happening presently. Mindful meditation is all about relaxing your body completely as you listen to it and let your inner experiences unfold. As you get absorbed in yourself, it’s important to pay attention to your breathing. Is it slow, fast, deep or shallow?
When you are stressed, make efforts to listen to soothing music as this helps you maintain a state of relaxation. A study done at Stanford University found that just like medication, music has the ability to change brain function.
How to Relax the Body
According to a study done, yoga brings forth a relaxation response that reduces stress, promotes body flexibility and enhances muscular strength. Yoga also aims at improving breathing, heart function, and sleep patterns. The best thing about yoga is that it can be done standing or sitting. If you can’t go to a yoga studio, just pull a yoga video or book and take time to relax your body.
Progressive Muscle Relaxation
The aim of progressive muscle relaxation is to tense and relax every muscle in your body one at a time. Apart from decreasing muscle tension, this exercise has also been found effective at lowering blood pressure, reducing fatigue, anxiety and promote overall well being. With just 15 minutes, you can reap the full benefits of progressive muscle relaxation including falling asleep easily.
The next time you are stressed, pull off a funny video or call your funny friends who will make you have a good laugh. Many studies have shown that laughter reduces stress hormones, boosts energy and immunity. Elicit a relaxed feeling for both the mind and body. Laughter produces endorphins Also when you laugh; you take in oxygen-rich air that stimulates the lungs, heart, and muscles.
If you are stressed out and are having trouble falling asleep, try a glass of warm milk. Milk contains a tryptophan that stimulates serotonin production which induces feelings of sleepiness and pleasure.
A self-massage on your head, joints, and back helps to calm the nerves and promote alertness.
These are just some f the mind and body relaxation techniques that you can do in order to attain a state of balance. Identify what works best for you and take some time to engage in it.
In the early days, you used to take up you a few weeks after application for you to get a life insurance policy. However, advancements in technology have made it easier to get a life insurance policy. In fact, it now takes a few minutes. Companies such as the CUNA mutual group and Haven Life offer life insurance sản phẩm mới on online platforms. These companies utilize big data to get information about your health status since you don't need to take a health exam.
Prices of health insurance will vary between companies and people, as well. Healthy people are likely to find cheaper life insurance policies using the traditional route, which takes some time. They are also required to do an EKG test. However, less healthy people need to apply online platform for them to get a cheap life insurance policies. This is because they will not be subjected to a rigorous medical checkup. However, despite your health status, companies will always offer different prices for life insurance policies for a number of other reasons.
There is less advice available
Before shopping online for a life insurance policy, you first need to understand your financial strength. Whenever you find something that has been simplified, some information is normally left out. That is why obtaining a life insurance policy through an agent is better than through an online platform. In online platforms, some information that can be of help to you when deciding on the best policy to take is usually left out. Thus, you need to do research on different websites on the best life insurance policy
It looks like you may need more life insurance than you think
It is good to know that the term Life insurance policy gives beneficiaries a single-sum benefit when one dies. However, when one dies early, the beneficiaries receive the income of the deceased for a few years. For example, if a person was earning $30000, they need a policy that will pay their beneficiaries the single sum for some years.
Thus, a policy of about $30000 or $80000 would benefit the beneficiaries for only two years. Therefore, everyone needs a different policy altogether, depending on his income or health. However, you need a life insurance policy that is about ten times your income in environments where interests are low. Term life coverage tends to be cheaper than permanent life.
Ensure that your insurance company is stable and is scheduled to stay in the market for a long period
Life insurance policies normally take a long period of time to mature. Therefore, you need to ensure that the company you are planning to buy insurance from is stable and will be in the market for a long period of time. That is why you need to check the reviews and ratings of the companies you are considering, something easily done online nowadays.
Consider making your payments annually
Whether paying for your life policy online or not, annual payments are better than the monthly payments. Most insurance companies will leave you to choose between monthly, semi-annual, or yearly installments. However, most companies will charge you a high-interest rate if you decide to be frequently paying than once a year. Thus, you need to make a point of paying for a life insurance policy only once per year.
Shopping for life insurance online offers a great deal of convenience, but it is not without its own challenges. As with any purchase, exercise your due diligence and research carefully before making a commitment. Doing so will ensure you have a satisfying experience with the policy you ultimately decide to get.
The world has come a long way in terms of cooking. From making fire out of hard surfaces to the gas stove, we now have double induction cooktop and ranges.
Induction cooktops and ranges differ from gas and electric stoves and ranges in the way it heats the cooking vessel. In induction cooking, a coil made of copper wire under the cooking vessel serves as a way for the electrical current to pass through and heat it. Now, while induction cooking has been around for years, it is only recently that people have started giving it a place in their kitchens. If you’re one of those people thinking about getting an induction cooktop and range, review the following pros and cons to help you make the best decision.
1.They are faster.
They’re relatively faster than gas and electric stoves and ranges. With induction cooktops and ranges, the amount of time spent on cooking may be cut in half, which allows you to have time to do other things.
2.They don’t get too hot.
One of their best features is the ability to stay cool while heating the cooking vessel. Because almost all the heat goes directly to the pot, the surface can remain relatively cool, which lessens the possibility of getting burned.
3.They’re eco-friendly and user-friendly.
Since induction cooking is faster, it also uses less energy. With less energy, the planet’s resources get saved while the owner also saves money from bills.
4.They’re easy to clean.
The surface of induction cooktops and ranges are very smooth. This makes it so much easier to clean it; you can just swipe a rag over the surface to remove any residue on it.
5.They are at their cheapest.
Many appliance companies are releasing their own induction cooktops and ranges. Therefore, the competition among them is tough which makes for a lower price to convince more people to buy.
1.They require their own cookware.
Because induction cooktops and ranges use cutting edge technology, it’s only natural that they require a special kind of cookware. Traditional pots and pans won’t work on them as they require magnetic cookware.
While this is not entirely an issue, it can still be a bit distracting to have your cooktop and range create a buzzing sound.
3.They rely on electricity.
They require electricity to work; therefore, if your power suddenly goes out, so does your chance to cook that time.
4.They require you to prepare early.
Yes, they are faster. However, because they are faster, you cannot do your cooking preparation while heating the pan or the range. Everything has to be prepared before turning your cooktops and ranges on to avoid burnt food.
5.They are more expensive.
It’s true that induction cooktops and ranges are relatively cheaper now, but they still aren’t cheaper than gas and electric stoves and ranges. Buying one still requires a great sum of money.
After reviewing the pros and cons, it can be concluded that induction cooktops and ranges are for busy people who want to live a minimalist lifestyle, but they may not be for the ones who prefer to take their time cooking and who do not live in areas where electricity can be unreliable.
You must have heard stress associated with various workplaces. But how does it feel to be stressed up in a call center environment? Most people have attested that stress in a call center environment is pervasive. Thus, managers in call centers should use QA for call centers to make the environment in a position to identify sources of stress and deal with it.
The following is a list of 27 sources of stress that call center agents experience.
It can be termed as the occurrence of two types of pressures, and compliance with one might make compliance with the other difficult.
- Lack of consistency between evaluation and performance expectations
Managers have different ways in which they evaluate the performance of each employee; this makes call agents feel unfairly treated.
When employees' roles are not defined clearly, they can get confused about the responsibilities they should carry out.
Employees who do not have enough knowledge and experience normally feel lost and out of place when kept in the same basket with those employees who are experienced.
When call monitoring becomes more frequent and intrusive, call agents do not feel trusted, and it also causes work strain.
- When job demands become overwhelming
When one is overwhelmed by work, at times, one may feel confused and undecided; this makes one less productive.
People are social beings and can't always stay in isolation. When the job gets too heavy that they don't have time for interaction, it can start to feel isolating and draining.
Call center agents that have tight performance schedules and strict rules to keep up to are unable to make decisions on their own based on what they see best for the company.
The standardized work process makes call agents unable demonstrate their sense of innovation while faced with hard tasks to carry out.
- Lack of appropriate awards and recognition
Every person expects to be rewarded or appreciated after performing an outstanding job. If this is not done, the employee loses his morale.
- Call agents not being recognized in the company
Most companies, especially those that have more important tasks to carry out, do not recognize call agents in a meeting, events, or awards; this makes them feel left out.
- Lack of status associated with their job
Sometimes call centers may hire employees whose qualities do not match with those of the job requirements. This makes the employees feel incompetent, confused, and left out.
- Lack of pride associated with the position
Most call center agents are not proud of their jobs because it was not part of their career. Thus, they keep looking for other better jobs which they would want to work for.
Some call center agents offer 24/7 customer support; this causes adverse effects on their physical and mental health when late and long hours are demanded.
Workers in all fields want to be treated fairly based on workload, awarding, and evaluation. If this is not so, there are likely to be disunited, making it impossible to work as a team.
- High consumer expectation
Some customers raise issues that cannot be solved through a phone call; instead, they need to resort to higher authorities. The customer can easily term this as poor customer service.
It is hard to handle abusive words from customers and this makes call center agents emotionally upset, thus losing their calm.
- Lack of good computer software
Lack of suitable computer software makes call centers agents unable to meet their goals thus putting their jobs at risk
Call center agents are always worried and uncertain about their jobs; therefore, they cannot give their all to tasks.
- Lack of opportunities and advancement
Call center agents are not able to add to their skills and capabilities because of the nature of their work; this makes them feel stagnant, uninspired, and disengaged.
- Lack of training and development
Most call agents are not trained to handle their jobs properly. When this happens, they are incompetent in handling some tasks, making them feel disengaged.
Call center agents are often supposed to remain seated and only take their breaks when they are supposed to do so. This can lead to voice loss, neck pain, and postural problems.
- Unpredictable work environment
Too heavy and unmanaged call volume leads to uncertainty since you can't tell how many customers you will handle. This makes it difficult to set goals and targets.
Poor posture and inappropriate computer monitor distances can lead to poor health among employees.
Most call center agents are not involved in the decision-making process, while some managers involve them in some small objectives which are not goal oriented.
- Difficult work environment
Call center environments sometimes happen to be excessively loud, which can, in turn, lead to physical and emotional strain.
Poorly paid employees are always looking for other job opportunities, thus not being able to pay more attention to the tasks at hand.
The factors mentioned above are the significant causes of stress in call centers that need to be watched out for to ensure that your employees are happy and your business flows smoothly.
Guns and Violence
A wide unfortunate events of mass killing has been rising. Not preventing those ill-fated events can cause harm and death to people. This has been an issue in many countries all over the world.
Gun with violence and mass shooting have been an epidemic that seemed to be unstoppable. A lot of families worry that in the future, the next innocent victim will be one of their family members. Another reason of these acts is, many guns add-ons like scope mount are very easily available in the market.
Pondering about it gives frustration to many. Laws and legislations have been proposing different solutions to stop this dreadful event. Unfortunately, gun violence or illegal possession of firearms is not yet totally wiped out. People are still asking and rallying about the citizens’ safety over guns.
Guns and Laws
Laws about guns have been established way before violence related to guns happened. These laws have been protecting the citizens from illegally owning guns and from using it in unsuitable situations. With this, laws for guns have been teaching the owners to be more responsible with the lethal weapon they possessed.
Over these laws, a mass shooting has reportedly happened in one California city. It resulted in three deaths and more than twelve injured people. One of the innocent victims was a 13-year old girl named Keyla. The families of the victims expressed their disappointment and fright as the tragedy happened.
That incident is only one of the examples of unstoppable violence through guns. The tragedy is indeed unexpected and terrible, most especially for the victims and their families. Nobody predicted the event, so there were no safety precautions to prevent it.
Guns and Insurance
In those distressing days, people are relying on the law system to give proper justice for everyone. With this, the mayor of San Jose, Sam Liccardo submitted his proposal. Mayor Liccardo expressed his opinion that thoughts and prayers are not enough to mend the broken lives of victims. That is why he proposed to have liability insurance for gun owners. The said insurance will be used for many instances.
First, every gun owner must submit an application for registering their guns. With this, illegal possession of firearms could also be prevented. Second, liability insurance will be used in the medical and court expenses of the victims. Third, training about responsible usage of guns will also be supported by the insurance. And lastly, the said insurance will also be given as assistance to survivors.
Mayor Liccardo stated that stopping gun violence could not be that easy. However, reducing it could result in something bigger for the benefit of citizens.
Guns and End
Indeed, guns are powerful weapons that people use. It can break or end another person’s life. Protests regarding a gun-free society are already being discussed. As Mayor Liccardo has said, it is not an easy task, but harm reduction could also be an alternative solution.
The proposed liability insurance for gun owners will undergo and be presented to the San Jose City Council. Hopes and improvement will be expected in this newly proposed policy.
The use of crypto tokens as digital currency has been starting to grow globally. According to FeedBox - Bitcoin Is Not a Currency, these crypto currencies are virtual coins that a person has in stock once he enters stock trading or foreign exchange investments.
Cryptocurrency has actual monetary value, and it helps people because it gambles itself in global stock markets without the need to be controlled or manipulated by the investor. This means that its value may fluctuate depending on the current inflation rate. In this way, the investor's assets may be able to adapt to the fast-changing economic set-up.
This type of modern currency is being studied, and can actually be used as a tender for payment in retail shops, online trading, and even medical billing services. Cryptocurrency's role in medical billing services shows a promising future for the advancement of health care, hospital transactions, and security of patient's records.
Secured Digital Transaction
Cryptocurrencies like BitCoin, Eretheum, Ripple, LiteCoin, and Dogecoin are beyond government data access and have security systems that can keep their firewall safe from any malware and hacker attacks. Digital transaction always has the advantage of less risk of theft and miscount when compared to actual cash transactions.
Cryptocurrency, at the same time, can work as a security system for a patient's confidential health records. Transacting with crypto tokens will not require government valid documents, so your data may not be breached or hacked. This is also convenient since it can be applied as a worldwide currency. You may manage your payables anytime and anywhere. Also, this will help your insurance company track your hospital bill for a faster and more convenient payment process. This will mostly benefit people involved in accidents and unexpected incidents.
Faster Capital Conversion
Since this type of tender can be done online, transactions are easier. There will be no more over-the-counter lanes and transaction traffic. Using crypto tokens isn't under any tax-regulating body, so both income and expense will be of a lesser amount and an intrinsic price. Moreover, using cryptocurrency as a billing medium will increase receivables turnover; bad debts will then be lessened and can actually be zeroed out. Making cryptocurrency beneficial to both the trader and the consumer.
The Future of Medical Billing Services
It is being studied that medical billing systems should be value-based and not quantity-based. This means that a medical professional will be paid depending on the quality of care or service he has provided the patient and not by the number of patients he can cater per day. This benefits not just medical experts but also the medical field in general. This will encourage integrity to medical employees and trust and reliability for the patients.
This can be possible with cryptocurrency being used in lieu of actual cash. This is because the value of money is increased, thus promoting less tax and an increase in incentive. In a recent study by Singaporean scholars, it is most likely that the cryptocurrency will be proclaimed as a legal tender by the year 2022.
There are many serious instances of mold-related insurance claims throughout history. These pesky fungi have caused a number of claims of property damage and serious mold infestations in a lot of properties already. This has also led to some cases of people suffering from exposure to mold. Most of the time, insurers have not been able to remediate and cover these concerns, leading to a number of bad faith claims, and this is why molds are toxic to insurers.
Molds are a form of fungus that spread through their spores. Though they have been around for hundreds of millions of years, they have spread into urban areas at a sporadic rate. This is due to how they grow through carbon-based materials, which are present in many buildings. Paper and drywall make excellent food sources for mold, especially when these materials are within hot and damp areas.
Some species happen to be toxic and these are the primary concerns for those making insurance claims. These include “black mold” (Stachybotrys) and Aspergillus, which are common examples. These molds have been known to produce mycotoxins, a type of cytotoxic or toxin that disturbs cellular activity once it penetrates human flesh. There are studies that support the idea that mold exposure can aggravate pre-existing conditions such as asthma.
Effect on the Insurance Industry and Consumers
Due to how grave the impact mold cases have on the industry, insurers have limited coverage and exposure over any mold-related claims. Because of how some companies no longer touch these cases, the insured often resort to third-party claims against contractors and anyone remotely tied to the construction and maintenance of their domiciles. There have also been a number of uninsured mold losses, thus increasing the loss of exposure for insurance agents and brokers.
Mold-related cases have affected the insurance industry so much that they have increased homeowner insurance costs, which, in turn, led to a decrease in home sales. However, the approach taken by the companies has prevented the worsened spread of claims involving asbestos before.
Types of Claims
There are two types of claims: requests for reimbursement for remediation of property damage and claims of personal injury. These claims fall under homeowner policies, even when some have been exposed to mold in workplaces. There have been many claims of bad faith as well. In the case of bad faith, most of the insured argues that mold would have propagated had the insurer not found a way to remediate water damage or prevent the spread of fungi in the area.
A Frenzy of Cases
Due to how prevalent personal injury claims have been, the government have found difficulty controlling their volume or how to properly assess and judge them. There are ongoing studies and even within the medical and scientific community, there are many disagreements as to the correlation between health and the mold. As far as legislation goes, states have made laws to look into and study these cases properly. The volume of personal injury claims is so costly to insurers that it is no wonder why they are pulling out from these cases.
The Insurance Services Office (ISO) has provided a provision that limits mold-related cases to only damages that have occurred without the knowledge of the insured, among others. This is the pro-active approach taken by the companies. With so many cases, there is only so much that the companies can handle. With varying degrees of coverage, the mold-related cases have, in a way, become as toxic to the industry as they have been to consumers’ bodies.
One component of a good financial plan is purchasing insurance. According to https://snurl.com/, It is a fundamental element in which one policyholder can be covered financially in times of catastrophes, accidents, illness, disability, and death. As life progresses on, moments like these are inevitable and people need to be prepared. Insurances can help you and your loved ones in times of need. Here are several products and packages that are offered by insurance companies:
While having a car is a dream come true for many, it also has inherent responsibilities. Many states and countries require new car owners to have auto insurance. These car insurances are important to protect the policyholder against the costs sustained from mishaps. It also covers the person if someone else damages your vehicle while driving it.
Accidents and illness are unforeseeable. This is where disability insurance comes in. This type of
insurance can aid employees who got into an unfortunate incident or sickness and will be unable to work for a period of time. This will safeguard the insured from financial loss that results from being put out of work.
Medical Insurance is accessible through an employer as an employee benefit or for personal. Proprietors can either select between Health Maintenance Organizations (HMOs) and conventional fee-for-service care. Usually, HMOs have an economical rate; however, it has more limitations. Meanwhile, privately-acquired medical insurance is substantially higher-priced.
This type of insurance can help you reconstruct and renovate your home after a disaster strikes such as earthquakes and tornadoes. It also helps in covering the expenses from lawsuits if someone is harmed on your premises.
This insurance, often called umbrella liability coverage, is meant to protect your wealth. liability
insurance covers the insured party with protection against the demands that stem from injuries and damage to claimants and/or possessions. This covers both the legitimate costs and any sum of money in which the insured party would need to reimburse if found lawfully responsible.
Life Insurance is a type of insurance to be paid when the claimant has departed. This ensures that the claimant’s surviving partner, children, and people who are supported by the insured will be provided with the resources imperative to them. Life insurance will help in continuing care by maintaining the living standards of the inheritors, can aid in paying financial obligations such as mortgages, and assist in sponsoring academic tuition expenses. Lastly, life insurance can be used to cover funeral cost so that surviving family members can have an expeditious payment for the funeral of the insured.
Long-term Care Insurance
This insurance product helps pay the expenses related to long-term care. This covers the lofty cost of a nursing home or at-home health care and assists the elderly in paying them rather relying on others such as their own family member or the government. Clients of this insurance policy are senior citizens who are over the age of 65, retirees, and those individuals who have long-standing and incapacitated conditions that require continual supervision and care.
Preparing for the future is better than having none. That is why this is often great financial advice for every individual to include insurance on their financial plans. Not only does it cover the insured to any calamity, accidents, and retirement, it will also help their families with expenses, especially in times of need.
Whether it be for our home, vehicle, or health, insurance is essential. People are aware it is a must to get anything insured, which is why this sector of the finance industry has been in demand. Good business, yes, but a tough one too. There is competition everywhere; and despite its importance, today’s generation is too absorbed on the "you only live once" mindset.
Money is spent on night-outs, travels, and just about any type of activity instead of setting it aside for the more important stuff. Plus let’s face it, insurance talk is boring. So how does your insurance company thrive to overcome these challenges?
The traditional way of agent-client meetings still work no doubt; but when it comes to sales, it is critical to always be on the trend. Technology plays a big role in today’s fast-paced environment. According to certahosting getting a website is the key. With people being on the internet almost the entire day, having an online presence is crucial for your insurance business.
Already have a website? Good!
Now all you have to do is make sure your website does what it’s supposed to do. Here are some tips on how you can maximize your website’s potential.
Pay Attention to Your Website's Appearance
Your website represents your company, hence its appearance at a glance, either makes or breaks your brand. Have your website designed in such a way that it conveys the essence of what your company does. Its layout should be pleasing to the eyes. Make use of call-to-action buttons to influence and direct your potential buyers’ actions.
Make Quality Content
Content matters just as much as looks, if not more important. You would still want to immediately address questions or concerns without having to be physically present Your website should at least have the following pages:
- Vision / Mission statement – let your page visitors know who you are, what your company does, and what it aims to do. Be concise.
- Your team – this is a good way for prospective buyers to know who they’d be in contact with. Photos with brief introduction may also help the prospects feel at ease as this gives a sense of familiarity.
- FAQs – anticipate all possible questions your prospects may have and compile them in one page.
- Contact – there might be specific queries not found on your page for FAQs so this should have all means of communication used by your company: mobile/telephone numbers, email, P.O. Box, or physical address. Having an online chatting option is a plus.
- Feedbacks and testimonials – your social proof which encourages prospects and increases your credibility.
- Online forms or downloadable documents – it is convenient to have these easily downloadable or for filling out on the website once your prospect decides and becomes an actual buyer.
Make Sure it's Mobile Responsive
People on the go are more inclined to use their smartphones and tablets to search for anything on the internet. Make your website responsive so it’s available across all forms of devices and platforms, especially mobile. You should also not miss out on your website’s speed. What good is a good website if it takes forever to load all contents?
The list can go on and there are many other ways to improve your insurance website. It is also important to note that you should be compliant with security and that your website is hosted by a reputable web hosting service provider.
You might think that insurance as a theme in a movie is plain and boring, but it’s actually a very interesting subject to tackle in the big screen, especially for insurance agents who work in insurance firms. If you’re an agent who’s looking for ideas to enhance your chosen career, read below and get to know our list of putlocker movies for insurance firms.
It’s frightening to file insurance claims and get a huge amount of money from it. If it is not the right time to push it, the action can be so damaging, and you wouldn't know what will happen next. This is what the movie is all about. The movie involves a man named Andrew Wyke who receives an offer that is too good to be true. The other person, Milo Tindle, agrees for the sake of love. Sleuth is a film directed by Joseph Mankiewicz based on a 1970s play by Anthony Shaffer.
The Truman Show
This movie is starred by the famous actor Jim Carrey, playing the role of Truman Burbank, an insurance salesman. In this story, you will learn how to deal with reality as different people unlocks the art of building relationships. The movie is directed by Peter Weir and written by Andrew Niccol.
Evil Under the Sun
Businesses face different challenges every day, and it's a part of the strategy to put up an investigation in place when it comes to dealing with losses and threats. In this movie, it reflects how a detective, hired by an insurance company, deal with tracing the root of the crime. This film is based on a book Evil Under the Sun by Agatha Christie.
This movie presents the lighter side of the insurance industry. It follows the journey of a rather ingenuous agent as he attends a conference in Cedar Rapids. Despite the setbacks, the main guys eventually succeed in their venture.
The Raisin in the Sun
This 1961 movie may be a classic film, but it gives people an insight on how important life insurance can be. The movie is all about a family living in a small apartment following the death of the father. The family waits for the check from the insurance company which each member wants to spend for different purposes.
Alias Jesse James
Starred by Bob Hope, this insurance themed movie is a comedy film with a plot that involves Hope as an insurance agent who sells a life insurance policy to Jesse James and subsequently protects the insurance holder so that the company will not pay out. The plot twist is that James plans to collect the policy while he’s still alive.
The world of insurance is a tough industry for insurance agents. If you’re an insurance agent who constantly struggles in your career, you need inspirations from movies to remind yourself that your work is important and that you can be successful in your field as long as you work hard for your feat.
If you’re asked to undergo surgery, immediate concerns and worries can be elicited by this common announcement from surgeons and medical experts. Be it major operations such as heart bypass or appendectomy to minimally-invasive surgeries like arthroscopy, the primary concern is the cost. Whether it is to improve one’s health or save your life, surgeries need attention and funds. This is the primary reason for getting a health insurance from reliable companies. But how much can your insurance support your surgery? Will you have to pay for excess?
Each insurance is unique from each other. One plan may offer more and the other may provide less. It all depends on what kind of health plan you are enrolled in. Thus, it is best to educate yourself on how your insurance can cover your surgery.
Inquire about your Surgical Expenses
If you are having problems with your spine and you need to undergo an operation, you may need to ask your spine surgeon in NJ about the breakdown of your operation. If you are planning to get a cosmetic surgery, ask your surgeon about an estimate.
Doing so will help you prepare for the surgery. Remember that doctors may not have an accurate estimation of the expenses for the preparation, care, and follow up of your operation. However, the more you ask, the more idea you will have of your future expenses.
Include other Additional Costs
The financial expenditure may include pre-operative examinations such as x-rays, blood tests, intravenous medications, anesthesia, and hospital stay, among others. Make sure that you have estimated these costs to equip oneself of the budget needed before the operation.
Study your Health Plan
Understanding your coverage plan helps you assess whether or not it caters to your needs. There are hospitals that align with your insurance network. This means that certain operations and services are provided by the hospital in accordance with your health plan network.
If you think your insurance plan lacks something, you need to enroll in another plan that suits your needs better. Some countries implement legislation and regulations protecting patients from sudden hospital billings. It would be better to call or visit your insurance company to verify the services if they’re full or partial coverage.
What’s not Covered
As enticing as any health plan sounds, there will always be limitations and commonality to their coverage. These are the usual needs that most insurances do not cover:
An operation to make you look better is not deemed as medically necessary by health plans. However, if you need a nose job to improve breathing or breast surgery after a mastectomy, then that becomes part of the medical necessities.
Cholesterol screening and mammograms are usually covered, but there are also tests that are not included. Thus, it’s better to be sure with your insurance company.
Typhoid or Yellow Fever vaccine like any other travel vaccines are not considered as medical necessities by insurance companies.
Insurance coverage all depends on the type of health plan you are enrolled in. That’s why before a major or minor surgery, make sure to check on your insurance plan.
With the presence of cryptocurrencies growing due to the usage of various cryptocurrencies and crypto trading, it’s no surprise that a lot of other industries are trying to get into the bandwagon. Lately, insurance giant Allianz has announced in a Bloomberg news report that the company has become interested in creating an insurance medium for cryptocurrency. As this is something rather new, Allianz’s movement could pave way for cryptocurrency insurance to become mainstream.
Why Is Insurance Needed for Cryptocurrencies?
The thing about the cryptocurrency market is that it is still rather small since it is made out up just tech startups, tech enthusiasts, and investors. However, these participants have been exposed to the unstable nature of cryptocurrencies with it being pretty new and all. In fact, cryptocurrencies are quite vulnerable to theft on the internet. Take the example of the big Coincheck hack where a lot of cryptos were stolen. Another example would be from those who do Bitmex trading and part of the Bitmex Telegram Group in the popular platform Bitmex. A number of users have reported their accounts being hacked and their money still inside. Bitmex’s hacking incident wasn’t as big as Coincheck’s but was still enough to cause a ruckus.
Of course, the price instability and the security issues can already show you that the money of the people isn’t secured when on the web. That’s where cryptocurrency insurance comes in. With all the possible threats that investors, traders, and startups can experience, it would be great to have a blanket of insurance just in case of a whopping loss.
The Current State of Cryptocurrency Insurance
As early as February this year, there have already been a few companies that have started to offer some cryptocurrency insurance premiums. These include AIG, Chubbs, and XL Group. However, these companies haven’t gone mainstream with these service yet as the market is still very raw. They have been quietly offering these premiums to crypto startups so that these startups can be protected from hacking or theft. In fact, BitGo is one of the first tech companies to avail of these types of insurance policies.
Bringing Cryptocurrency Insurance to the Mainstream Market
As mentioned above, Allianz is also getting into the whole cryptocurrency insurance craze simply because there is a market for it. In fact, Allianz spokesperson Christian Weishuber states that:
“Digital assets are becoming more relevant, important and prevalent on the real economy and we are exploring product and coverage options in this area”
This shows that he does see the potential of cryptocurrencies to prevail as one of the main currencies on the future. This gives room for the growth of the cryptocurrency insurance premiums and may possibly allow it to go mainstream.
Of course, all of this is still yet to be seen since not many people or companies have availed of cryptocurrency insurance premiums yet due to the high cost. If the demand keeps going up though, then we may see the costs go down. With that, cryptocurrency insurance policies can be more welcomed by the market.
Insurance companies need graphic designers from time to time for their marketing tools and other campaigns. The success of the graphic design project lies in how well you collaborate with your chosen graphic design Singapore firm. If you’ve had a bad experience with a graphic design firm before or this is your first time working with one, the following are some of the tips to ensure a smooth transaction from start to finish:
Allow your graphics professionals creative leeway
Instead of demanding them to paint by numbers, give some leeway to exercise their creativity. Graphic design firms like Secret Hideout (a creative design agency based in Singapore), especially those who have been in the industry for long years, have most likely stayed afloat because they have what it takes. Their strength lies in their creativity and if you go too formulaic when it comes to the deadline and execution, that could be counterproductive. Stay open-minded when receiving fresh concepts and just be results-based. After all, your main goal is just to use their talent to come up with a message that’s unique and memorable.
Trust your chosen graphic design firm
You may have a particular picture in mind out from that snapshot you took on vacation and you though it should really be integrated into your design as well. However, when your designer tells you that the resolution or lighting is not good or that font is obsolete or has certain connotations, trust them. After all, they are the ones operating in that industry. One of the jobs of graphic design experts is to know the trends. And instead of pushing your pre-conceived ideas too much, appreciate that your chosen graphic designer is actually suggesting and giving relevant and updated information rather than just following you for the sake of it. In the end, remember who is the expert.
Pay per project rather than per hour
Hourly setup may only lead to too much paperwork and even delays because of constant project estimation and re-estimation. Per-project deals are better and more manageable. The success rate of per-project deals is also higher.
Understand that digital media is a huge marketing deal today
After your graphics firm has completed the design work you’ve paid for, check if they can also have something to add to better your social media profile. Remember: consistency is important in branding. There should be cohesion when it comes to the designs you use across all of your marketing platforms.
Working with a graphic design firm is an investment. If you want your insurance company to make it to the top, you have to be willing to do whatever it takes to cover all aspects thoroughly. From building your website to crafting your brochure, you need the help of a graphic design expert to get the job done the best way possible. First, choose the right firm with a solid reputation. Second, trust their expertise. And lastly, wait and see how excellent graphic design works wonders in driving your business success.
The use of medical marijuana products like CBD oil is spiraling in popularity all over the United States. Based on studies, 90% of those who use medical marijuana claim to have acquired positive results while 80% of doctors support the use of CBD oils and other medical marijuana products. Though this is the case, CBD oils and other products extracted from marijuana are yet to get federal approval.
What Truly Is CBD Oil
CBD is one of the compounds of marijuana. It is the natural extract from the cannabis plant which, when combined with ingredients like coconut or olive oil, make CBD oil. CBD is a non-psychoactive compound so it does not make you high. CBD oil is essentially extracted from hemp rather than marijuana itself. Hemp is quite different from marijuana in that it does not affect the functionality of the brain cells.
Studies and researches have already confirmed CBD oil to have extensive medical benefits. It is widely recommended for patients with inflammation and pain problems. In fact, it is approved in some states in the US. This does not mean, however, that it is already cleared as a prescription med for use in treatments.
CBD Oil and Insurance Coverage
With a huge number of studies backing the use of CBD oil for medical treatments, some states all over the United States have already approved its use while some states are yet to legalize its use. Regardless of the legalization status of CBD oil, the big concern among most people is the issue of insurance coverage. Only a few insurance companies cover CBD oil use in their medical insurance coverage. The biggest problem is that the premiums are extremely high and not many people can afford them.
Unfortunately, almost 99% of insurance companies do not cover CBD oils. This is based on the fact that CBD oil is a product of marijuana so it is categorized as one of the Schedule 1 controlled substances at the federal level. Drugs and substances that are classified as Schedule 1 are considered illegal due to serious concerns on safety, the increased potential for abuse, and supposed non-medical use. That said, even in the states that have approved the medical use of CBD oils, people have to use their out-of-pocket money to pay for the medication.
When deciding which drugs to add to their medical cover, most insurance companies only settle for medications that are clinically researched and clinically approved. Even with the extensive researches and scientific narratives recommending the use of CBD oil for treating different health conditions, there are no rigid clinical reports to support these claims.
Likewise, CBD oil is not FDA approved either, which means that its efficacy is still undergoing testing. It is good to get your facts right before you go ahead to buy a medical insurance policy. While it is already confirmed that most insurance companies do not offer coverage for CBD oil, you may be surprised to realize that your insurance company offers insurance coverage for CBD oil. Just do not be in a hurry to make your decision when choosing an insurance company. Conduct a thorough and extensive research to find the perfect insurance company for you. And, do not hesitate to make inquiries about the drugs the insurance company covers on their medical insurance policy.
Starting a new family entails a lot of responsibility in ensuring the wellness and safety of every member. It is best, therefore, to always be prepared, most especially for the unexpected. This is the reason why it is prudent to take out an insurance policy or two for the family's protection. However, choosing which kind of insurance coverage to have might be a confusing task. There are several types of policies that cover almost everything, from protection from car theft to home and property insurance, the selection process can become a confusing one.
However, the new family should prioritize and choose the most important insurance coverages suited to them. They can then opt to add more policies as their finances allow them to and their needs and lifestyle require them to do so.
Here are the top 3 insurances a new family must consider getting:
This insurance is also known as homeowners insurance. This type of insurance covers four types of incidents: interior damage, exterior damage, loss of or damage to personal belongings, and injury occurred while on the site.
There are different varieties that offer different coverages but often cheap home insurance isn't hard to find. There are 8 coverage levels from HO-1 to HO-8 namely basic form, broad form, special form, tenant's form, comprehensive form, condo form, mobile home form, and older home form.
- HO-1 is the most basic which only covers your home from events of fire and lightning.
- HO-2 (broad form) has the coverage of HO-1 and additional events like natural occurrences of hail and windstorms, and man-made events like theft, vandalism, and explosion, among others.
- HO-3 (special form) provides insurance for your home and additional structures like garages, boathouses and other similar structures. Although, when it comes to personal belongings, HO-3 only insures belongings that are covered by an HO-2 form.
- HO-4 (tenant's form) has the same policy or damage coverage as HO-2 but is offered to tenants to protect their belongings on locations they have rented out.
- HO-5 (comprehensive form) insures your home from all perils, unlike the previously mentioned forms that only cover specific perils or events.
- HO-6 (condominium form) insures items not covered by the condominium's existing home insurance form.
- HO-7 (mobile home form) accounts for similar insurance of property and belongings to homes that fall under the mobile home category.
- HO-8 (older home form) covers homes that are built with discontinued materials and insure the costs of modern installations and updating of fixtures
Health insurance helps you from incurring health-related expenses s such as doctor's appointments, test, drugs, and surgeries to name a few. It may also reimburse your expenses for the treatment of specific injuries and illnesses. It would be best, however, to be thoroughly knowledgeable with what the health insurance covers.
Some varieties of health insurance are health maintenance organizations (HMO), preferred provider organizations (PPOs), and exclusive provider organizations (EPOs).
- A Health Maintenance Organization has the least paperwork to fill out but also has the least "power" to pick your healthcare providers. Referrals are mostly needed before you can have an appointment.
- Preferred Provider Organizations (PPOs) give you more freedom in choosing your health care providers compared to HMOs. They also do not require referrals from an accredited healthcare professional. You may also see out-of-network doctors. However, this kind of health insurance can be more expensive.
- Exclusive provider organizations are similar to PPOs. They give you more freedom in choosing your physician with no referral needed. However, if you have this type of health insurance and decide to see an out-of-network doctor, you must pay all costs as EPOs do not cover it.
Life insurance is essential, most especially for the family you leave behind when you pass. This can help your family who may lose their means of sustaining themselves, especially if you are the primary breadwinner. It also covers the fees incurred as a result of the policy holder's passing such as mortuary and burial fees.
There are many types and forms of insurance that are needed by an individual and their family. Hence, you should know and fully understand the particular insurance program that is best suited to your family's lifestyle and financial capacity.
Understanding your health insurance as a mom-to-be is a very important step, considering that you will need a series of doctor visits and tests to be run on you and your baby. Being conversant with what your private health insurance can cover during your pregnancy can greatly assist you in avoiding surprises at the most crucial times.
In the past, private insurance companies offering health insurance could decline and refuse your application for their coverage while you are pregnant. This was mainly due to the fact that they considered pregnancy as a preexisting condition. However, this is not the case anymore. Nowadays health plans are not allowed under the Health Care Law to add additional charges just because you are pregnant.
Private health insurance plans (with maternity coverage) can foot the bill for every cost ranging from pregnancy to childbirth. This is applicable even if you were pregnant before your insurance coverage took effect. To young parents, this is a great relief financially since maternity care plus childbirth services are provided in their coverage before and after delivery of the baby. This can last up to when your baby starts to walk. Parents who look for the best baby walker on the market often pick up additional insurance at this time too.
Having a baby is one of the rare moments we get to experience in life. Availing of child and maternal services by using a private health insurance program has some added benefits compared to using public health services. Most private health insurance companies tend to exclude pregnancy coverage in their insurance policies, but if that clause is added in your coverage you have all the reasons in the world to be happy. If you are wise to have private health insurance with a maternity cover, you will be able to avoid some heavy bills that come along with giving birth.
In private health systems, parents are offered high-quality services, continuity of services, and above all, they experience a high level of comfort during pregnancy when giving birth, and in the immediate days after the birth. In a private insurance cover, the parents have the privilege of choosing their obstetrician, and other specialists such as a midwife and pediatrician. They can also access high-quality healthcare check-ups compared to their equals in the public system.
The private system gives one also the freedom to be consulted before certain decisions are made regarding your pregnancy and delivery process. For instance, you can have a discussion with your obstetrician about the best way of delivery. You can opt for a much suitable way either cesarean option or the normal childbirth after proper consultations with your obstetrician.
Members covered by private insurers enjoy lengthy stays in the hospital as opposed to those who deliver in public hospitals. During their stay in the hospital after the delivery, they get access to quality post-natal recovery services compared to their colleagues in public facilities. After natural delivery, they stay on average three days and five days when delivery was on the cesarean process this is mainly done to ensure the parent heals fully and is healthy to breastfeed the baby.
During their stay, they are offered a private room which often includes a bed for the patient and another one for the patient's partner or relative. This is to enable them to spend some quality time with the newborn and comfort the mother on the first few nights. This extra stay in private hospital ensures the parents receive more comprehensive advice on how to take care of the baby.
It is therefore important for soon-to-be parents or those who are thinking of having children to rethink their stand on whether they should get pregnancy cover as a couple when they take out a health insurance from a private provider. They have to weigh the pros and the cons while bearing in mind that when they do, they can opt for one with a pregnancy cover for the mother and another one without such coverage for the father. The fathers do not actually need such a coverage, therefore taking out a couple policy at this time would not be advisable.