For the Life Insurance money, police kill mother

A policeman, claimed to have undercover as a robber and hit his mother to death. The reason, for to get life insurance money.

Police arrested the killer was on Friday last as a suspect for the death of his mother, 68 years old, in the middle of the city of Daejeon, south of Seoul, 21 January last. However, the actor denied the allegations because there is no reason he killed his mother.

But ultimately, the police officers, known only as Lee, on Saturday, "Recognizing the crime to get life insurance money when his mother suffered injuries," said chief investigator Yook Jong-Myeong Dunsan Police Office in Daejeon.

According to police, Lee undercover as a robber wearing a helmet and into his mother's house and beat him to death. From the autopsy, she died of shock from bleeding in the chest. Police will process an arrest warrant for Lee.

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Finding the Right E Health Insurance

Intention to become a participant of e health insurance is a good thing. We often hear if any member of family who are sick, especially if to be hospitalized, the cost of care can deplete family savings and even can cause the family owes.

The cost of health worldwide is increasing. No wonder Barack Obama's policies on e health insurance in the United States became a hot issue because it involves the interest of the public.


Families in many developing countries have started to provide funds for education and health. One way is to become a participant insurance. However, the number of participants of e health insurance in the country, still relatively small, about 70 percent of the people to pay medical expenses from his own pocket because it is not covered by insurance.

We rejoice that there is social security provided by the state. Then, we can expect through this social security costs to the family if sick will be reduced. Indeed, more insurance companies are financial institutions rather than health care institutions. However, we do hope the role of e health insurance companies will increase in the maintenance of public health.

This means e health insurance also must adjust to the needs of society and government policies in health. Surely the insurance company's policy change still must be supported by financial considerations. Because, basically, an insurance company goal is to make a profit.

However, it would be nice if the effort to make a profit also can have a significant impact on maintaining the health of individuals and society. I really agree if counseling and prevention efforts have the support of e health insurance costs. In many countries, the cost of vaccination in general has been paid for insurance. In fact, if participants are not vaccinated, there are insurance companies that impose some cost to participants due to the negligence.

Insurance companies can also support healthy lifestyles by providing premium discounts for participants who do not smoke, drink alcohol, exercising regularly, and ideal weight. Today the effort to reduce health costs is to promote education and prevention efforts. Also long hospitalization, attempted to be shortened and the service continued with outpatient services or home care.

However, as many have complained, there are insurance companies who only want to pay if the patient is hospitalized. Regarding discrimination for some diseases have been duly removed. Should any illness receive reimbursement of expenses. More fair if a limited amount of medical expenses if the insurance company did not want to lose.

In addition to discrimination confidential medical problems also should get the attention of insurance companies. Still quite a lot of insurance companies that ignore the obligation of medical secrecy, the doctor asked to fill out the diagnosis of disease openly that allows read by people who are not interested.

We all need to try to improve our health care financing system. One of them we must strengthen the health insurance company. Communication of health profession with an insurance company has already started, but it is not enough. Still need a more intense communication to the public interest. So choose an insurance company who put the interests of participants and the public.

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7 Myths refused to buy Life Insurance

Public awareness to purchase insurance products are often considered to be low. This is partly due to the allegations regarding the loss or constraints that would be obtained if you purchase an insurance product. True?

This is what needs to be clarified. Life insurance is an important part of financial planning. However, misunderstanding about life insurance can prevent people to get benefits. Later, when there are problems, he should have realized long ago purchasing insurance.

So that you do not persuaded people gossip about life insurance (which is not necessarily true), you should first identify the myths surrounding the most popular life insurance.

Single and young people don’t need life insurance.
Your key question should be: Will anyone be worse off financially if I die? Even if you have no dependents, you might leave behind credit card debt, student loans, a car payment or funeral expenses.
A small life insurance policy would cover these costs. Moreover, buying while you’re young can help you lock in lower rates and guarantee coverage if you develop health problems later in life.

Only people with kids need life insurance.
Chances are your spouse depends on your income, regardless of whether you have children. Could he or she manage to pay the mortgage and all other household bills and debts alone? A life insurance policy could help your partner keep the house and maintain the same standard of living.

If your employer provides coverage, there’s no need for more.
Many corporations provide their employees with free life insurance worth once or twice their annual salary. Similarly, the military’s Servicemembers Group Life Insurance (SGLI) offers great rates on policies up to $400,000. These are nice benefits, but if you leave your company or the military without a separate policy in place, it may be difficult or even too late to purchase one when you need it most.

Life insurance is too expensive.
It probably costs less than you think. For example, a healthy thirty-year-old male can get $250,000 of twenty-year term coverage for less than $15 per month. And as average life expectancies continue to increase, life insurance prices keep going down.

Insurance policies are all the same.
Policies that have similar names may differ substantially in what they cover. So before you buy based on price alone, it pays to read the fine print.

There’s no reason to insure a stay-at-home spouse.
Your stay-at-home spouse may not earn an income, but think of the services he or she may provide for free: childcare, meal preparation, housekeeping, and more. With that spouse gone, life suddenly gets a lot more expensive. Life insurance can defray the cost of hiring help in your partner’s absence.

Buying life insurance is a hassle.
Today, you can use simple online tools to determine your life insurance needs, compare options, and apply on the spot. Explore at your own place with no high-pressure sales tactics.

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Old cars can not be insured?

When buying a new car, you certainly never want to directly insured. But what if precisely what we have is not a new car? or even an old car?
Well, for that one, it turns out the direct car insurance company admitted it difficult to decide, if they dare, or not to cover claim of loss when the old car was insured.

Because it is an old car, usually more susceptible to risks, so it will be difficult to measure.
Can be described, because of age, of course, make a car becomes more easily damaged. Thus, the risk would covered later become increasingly high, so that may not be comparable with the premium contribution.

Moreover, another difficulty is that usually people who want to insure his old car, obviously based on something, like that antique, or his personal collection, so it has an emotional value that is difficult to measure.
Therefore, for older cars, the direct car insurance limit in terms of age, a maximum of 9 years, more than that, usually they do not dare.

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Select Insurance Education, or Education Savings?

Likened, you and your wife are a young couple, earning only $ 900 a month and already have a child are 1.5 - 2 years. Well, where should you choose, insurance or savings? If possible can only be saved, how much money should you save each month?

Actually the same. Insurance education or education savings accounts have the same characteristics. In addition to its investment decision can be customized with your child's school schedule, they both provide protection functions. That is, the availability of funding your children's education will remain secure despite the risk of death happen to you

In particular, education insurance is insurance that offers two utility (endowment), the function of protection and investment. Protection function will cover the risk of death over you, by promising a certain amount of money if you are experiencing death. However, the sum insured is given it is usually adjusted for the cost of your child's education and has been agreed upon in the policy.

As an investment, this insurance will manage and invest some of the premium you pay. Instead of managing your money, the insurance company will provide the funds which amount has been agreed in the policy. When payment was already scheduled, it is to fit the time your child's school.

Meanwhile, education savings accounts are savings from the bank. This product has characteristics similar to insurance education. With this type of savings, you will save a certain amount of money regularly.

The amount of monthly savings were calculated from the education fund that will target you take, some day. And to ensure the availability of education funds, the bank has worked with several insurance companies that will guarantee your deposit even if there is a risk of death.

Instead, the money you'll need to set aside a monthly savings associated with the size you need in the future. To fund your children's education, for example. You must first calculate the amount of funds you need, and time of use.

After that, calculate the amount of money that you need savings. As for reserve funds, you also have to prepare other savings to the amount of approximately a multiple of between 5 to 15 times your salary.

Presumably, not the ban to save money for young couples on low incomes. However we recommend you do not have too force myself to have as soon as possible the education fund and reserve fund. Make arrangements for your money appropriately. As a result, set aside money by saving money can still be achieved without sacrificing other interests at this time.

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What are the advantages of home insurance?

Many homeowners still underestimate their home insurance. Home insurance not yet fully trust can provide benefits. In fact, the external risks of natural disasters of floods, landslides, and the whirlwind continues to lurk building our house. So, do not delay until the disaster came because the house will also need protection like you do on other valuable objects, like cars or motorcycles.

Secure. That's where the role of home insurance. Not merely provide physical protection of course, but also non-physical or financial.

Some advantages to home insurance clients that include:

• You as the customer will receive financial compensation if the subject matter insured directly exposed to the risks listed in the summary of the home insurance policy.
  
  
• You will get a fee, which issued the insured was forced to post-disaster, such as the cost of cleaning the rubble of damaged buildings or the cost of an architect or surveyor to renovate or rebuild their homes insured post-disaster.
  
  
• You will be acquiring an excellent after-sales service without having to wait for the occurrence of calamities such as:
  * The estimated value of inflation when the home insurance policy renewal notice for the building and all the residential buildings, insured with adequate and fair value
  * Check the condition of the building free of termites or pest house
  * the latest info from the insurance company
  * Membership automatically

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Affordable Life Insurance for the Elderly

Do you have affordable life insurance? In your opinion, why someone decided to have a affordable life insurance policy? Of course because they wanted to protect the people around that they care about. To ensure that the lives of those who left are not neglected when you are gone.

So far, affordable life insurance is more directed to those in productive age. This is not only to ensure the success of the program because the policyholders are in the age that is still productive and able to pay her policy for a long time. But what they've exceeded the old age? So far, the elderly do not have insurance programs. Though, of course the market at that age want to make sure that the people they love, have financial protection as well.

Sees this market, Cigna, the provider of life insurance, health and personal accident from the United States launched an insurance product Cigna Second Life (CSL). CSL is a affordable life insurance product designed specifically for the elderly. Previously, Cigna has launched this product in Korea, Taiwan, New Zealand, Indonesia and Thailand.

Learning from the experience of many countries, also by conducting consumer research, Cigna decided to launch the product for ages 55-80 years. All who wish to participate will be accepted, without examination of health, life insurance, protected for life. With a fixed premium and affordable compensation protection also varies. The hope, this product can help provide solutions for the elderly, in order to plan for the future protection of his family.

To policyholders, will get:
- Protection for life.
- Guarantee 100 percent of the premium back.
- Premiums remain
- Facilities tele-medical consultation.
- Ease of filing a claim.

There are also provisions of the proposed CSL:
- If passed away due to an accident within the first 2 years of membership, CSL will pay for compensation in accordance with the selection. However, when died of illness within the first 2 years, CSL will only pay the total premium, which has been paid.

- If died of any cause after 2 years, the benefits provided is where a larger sum of compensation or total premium.

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Are there Ideal E Health Insurance?

Without exception should have e health insurance that would guarantee health care costs when someone falls ill or have an accident. Moreover, although we have been keeping good health, diseases can come without warning. On the other hand, health care costs continue to rise.

Almost 70 percent of the population in developing countries finance their own doctor or hospital costs. There are various reasons that people are still reluctant to take insurance services, among others, for fear of being deceived insurance agent, be bothered to make a claim of treatment, and many are unfortunately out of funds to pay for insurance.

According to a financial planner, e health insurance is included in an effort to protect ourselves and also riches. "There are so many diseases that can make a person poor for spending his property. "

e health insurance that you Choose should be that e health insurance is pure, not mixed with the investment. It is intended that the benefits higher. For example, reimbursement of expenses of hospitalization or surgery is greater.

An employee who has received e health insurance from his office should still protect themselves with e health insurance. "Insurance has limits. Usually if one employee to pay too high because of critical illness, the next year an insurance company does not want the person, included again in the program," he said.

Choosing the right insurance products is not a trivial job. It takes foresight and thoroughness because the fund purchases the customer does not belong to someone else, but yours. Loss or risk of error remains borne by the buyer purchase insurance, not the other party.

To prevent losses due to insurance, there are some things to consider prospective customers, including:

• It should be understood that the insurance premiums is an expense, not investment. In other words, our money will be lost if the period of the policy we are in good health.
  
  
• Ask your insurance agent for the detailed each item that is written in the policy. For example, the exclusion of disease conditions that are not guaranteed, whether the insurance coverage includes outpatient services or inpatient only?
  
  
• Because of the cost, insurance buyers should ask friends, or people who know more understanding about insurance. Not infrequently an explanation about the disease written in the language of medicine that can cause the wrong meaning.
  
  
• Ask also about the claim procedures. More quick and easy claims process, the better the quality of the relevant insurance company bureaucracy. That is why, notice that the insurance company track records will be selected.
  
  
• Tell the truth if you are already suffering from certain diseases before the inception of the policy.

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Direct car insurance Companies renovate damaged cars worth £528,000

Luxury cars destroyed in the crash worth £528,000, started renovated back in his factory in Modena, Italy. Repairs cost more than half the price of the car.

According to sources, the luxury sports car Pagani Zonda S heavily damaged by crashing into telegraph pole before careering through a fence, when the driver entered the test drive along rural roads Abeerden last September. Then the test driver's filed an direct car insurance claim.

A spokeswoman for Aviva direct car insurance firms, said that his company had been willing to fix the car though badly damaged. Estimated repair cost of £300,000 and is expected to be completed in May. Aviva reveals Zonda car repair is one of the highest claim ever paid for a client in the UK.
Each year the factory produced only 10 cars Pagani Zondas only. The car is coated carbon fiber, titanium and aluminum aircraft, able to be driven up to 220 miles per hour speed.

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Drunk driver, pay more expensive direct car insurance

After a spate of deadly accidents frequently occur in China, the country's government finally took decisive steps to punish the driver who was caught being affected alcoholic beverages.

This decisive step was taken because the number of accidents due to driving while drunk rose sharply in the country that is currently the largest automotive market in the world.

The Chinese government prosecute the driver who found his mouth smelled of alcohol to reduce the accident rate in the country, to ensnare the offender to pay a higher direct car insurance premium than usual.

China will link the obligation to pay insurance for someone with a driving record. With the scheme, China Insurance Regulatory Commission (Circ) hope awareness will arise among the drivers.

The scheme sounds such as someone who drove a car after drinking but not drunk and arrested the first time, must pay the direct car insurance rates 10 to 15 percent higher than normal rates in the next year.

While the drunk driver who was caught would be charged at 20 to 30 percent higher and when the driver repeatedly being caught driving while drunk, then the driver must pay the direct car insurance fee of up to 60 percent higher than normal.

Drunk driving is indeed a great danger, not only for the drinker but for other road users. Chinese police earlier this month she has been conducting a campaign of anti-drunk and the result of more than 304 thousand people caught in a time of four and a half months.

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Chrome-plated Mini Cooper difficult to get direct car insurance

Having a flashy car was not always fun, except in the spotlight street dwellers, direct car insurance companies were not necessarily willing to take the car.

It is experienced by the partner Ian and Toni Grice in the UK. Mini Cooper is all over, whitewash with chrome paint, now they can not ride due to lack of direct car insurance companies that are willing to cover when the car was damaged.

Cars 'super glare' was first purchased by Ian at a showroom in London when a valentine to give to her boyfriend, Toni. When first purchased, BMW provides free direct car insurance for 7 days to get the car to Ian's house in Greasley, Notts which is 120 miles away from London.

But after the insurance period for 7 days was completed, Ian was having difficulty in obtaining insurance at normal price to protect this car.

Meanwhile, a spokesman for the Association of British Insurers said that the car was too frail to be protected therefore deserve to be rewarded with a special price.

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Car insurance company asks motors in the U.S. using the ABS

Insurance firms in the U.S. one of them is car insurance company asked the U.S. government to require all motor that is in the U.S. to apply anti-lock brake technology Braking System (ABS).

Data from the Insurance Institute for Highway Safety (IIHS) show that the motor is equipped with ABS is about 37 percent will be spared from fatal accidents than those who do not use ABS.

Other research shows that insurance claims on car insurance company that submitted by users of motor air-ABS 22 percent lower than those who use motorcycles without ABS brakes.
That's why IIHS ask the U.S. government to ensure all motors in the U.S. using ABS brakes.

So, how does ABS help a motorist does not have an accident? Unlike cars that have separate controls on the front and rear wheels, brake motors work together front and rear. ABS serves to reduce the brake pressure when it detects symptoms of sliding, and will improve braking after tire traction is restored.

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Direct car insurance claim? No need to office, just report it ...

During this time many people who think that asking for a car insurance claim is quite difficult. When the car in a collision, you must take care of direct car insurance claims to the office in question, then later the insurance officers surveyed and examined the damage to our car.
When you are intending to use direct car insurance, of course, must choose one insurance company that provides convenience for those who are busy taking care of vehicle insurance.

Has the officer who would visit the homes of its customers, who want to be claimed by his direct car insurance. So that when surveys officers went to the car owner, after checking the car will provide a direct work order to bring the car to the garage. So the car can be quickly repaired.

So basically, the service "Service at Your Door Step" will simplify the customer claims process in the middle of traffic density capital city, and high mobility.
This service is suitable for car users who are lazy to go to the office for an direct car insurance claim.

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Knowing the costs of direct car insurance claims for customers

That afternoon, I was trapped in a bus on a street jammed. The bus I was riding, was right behind a car crossover Japan. Can not wait, the bus was almost hit a car that is in front.
I heard a passenger who sat near the driver, giving advice to be patient. But passengers were not ignored by the driver. The driver thought the car was, of course, already insured by their owners.

Passengers had to explain, that we also have to pay a few dollars in insurance administration, if we want to claim. For a one-time occurrence, usually direct car insurance companies charge administration fees for its customers, the cost varies but generally cost around $20 to $30.

When the car in a collision, car users should take care of direct car insurance claims related to the insurance office, then later the insurance officer surveying and examining damage to the car. Any car users would be bothered with stuff that insurance arrangements.

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More Hot Sex in Vehicles, survey e health insurance company

Sometimes sex was bland. Ennui that arise because of sex becomes a routine that's all. If that is how you feel, maybe you and your partner should try to have sex in the vehicle. A survey proves that sex in a vehicle, more enjoyable.

A e health insurance company in London conducted a survey of 1000 motorists including motorcycles and cars. As a result, 2 of 5 riders that claimed more like having sex in the car.

22-29 year-old rider is usually more enjoyed Sex in vehicles. But the number of motorists in the survey, more male riders who admitted like sex in a vehicle rather than a woman rider.

In the study also revealed that intercourse in a vehicle is usually done in the front seat or the driver's seat and rear seats.

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The days are usually Vehicle Thieves in action

In the U.S., vehicle thieves often act on certain days. Action theft in those days was higher than normal days. What Day?
New Year Celebration turnover could be the most festive night but could also be the most pathetic night. Cheerfulness is tarnished because of the many car thieves in action on New Year's Eve.

As quoted from the Bureau National Insurance Crime (NICB) New Year's Eve 2010-2011 in the U.S., recorded as the peak of the action the thief in 2010.
Most car owners or car showroom too complacent when faced with the turn of the night off even though only one day. At the time of holidays that the thieves to commit crimes.

In 2010, in the U.S. as many as 22,991 units of vehicles reported as stolen. That number was down when compared to 2009 that as many as 24,676 units of vehicles.

But even so, the FBI recommends that U.S. citizens remain vigilant in the next turn of the night. The attitude of vigilance of citizens, must be improved. Moreover, if you look at the condition of the U.S. automotive market is now beginning to recover. It is not possible to make thieves became increasingly.

As a result the number of cases of car theft, NICB record of U.S. $319 billion in direct car insurance claims filed by U.S. society in 2010.

Other advice given NICB, for the owners of vehicles parked his vehicle in the light, put stuff in the trunk of the car supporting the car, and keep them in places that are not visible.

The following day car thefts often occur in the U.S.
1. New Year 2760 Unit
2. Halloween Day of 2325 units
3. Independence Day 2207 units
4. Memorial Day 2207 units
5. Presidential Election: 2.204
6. Labor Day 2202 units
7. New Year's Eve 2189 units
8. 2090 Valentine's Day unit
9. Christmas Eve 1851 units
10. Thanksgiving Day 1620 units
11. Christmas Day 1336 units

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Avoid thieves, cars should not be a locker Walking

Car users are often treated vehicle like a locker walking. A place to store important items such as mobile phones and others. In fact, it certainly makes the car became the target of thieves. If the car is parked, do not store valuables in the car.

The car was often has other functions such as lockers, a place to deviate essential goods, such as mobile phones and other so invite people to steal.
Let's return the car to the main function is mobility-owned vehicles do not invite us to become potential victims of theft. Also car users to always parked vehicle in a place that makes a thief think twicw to steal a car.

Please also add to the other security tools, which are important increasingly difficult to break, want to wear the chain, an additional key. What is important to add the time for a thief to steal and more difficult.

Moreover, the thief now classified as fast adapting to new technologies antipencuri. Once the new technology came out, they can immediately break his fast. Now in 5 seconds the car alarm can be disabled.

One more thing that matters is insurance for the car is protected. For example, car auto insurance, the premium to be paid to insurance total loss only reached about $ 200 - $ 300.

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Zurich Insurance and iBox launch Electric Insurance

iBox, Premium Reseller of Apple products as a joint venture with PT Zurich Insurance Indonesia by launching a program iProtectZ for the iPad. This electric insurance program is a continuation of iProtectZ for Mac, which was launched in the year 2009.

The output of Apple products that get iProtectZ insurance now covers the iPad, MacBook, MacBook Air, MacBook Pro, Mac Pro, Mac Mini, LED Cinema Display and iMac.

In this event attended Toto Tanamas of iBox; Sancoyo Setiabudi as President Director, PT Zurich Insurance Indonesia, and Luis Anthony as the Marketing Manager, iBox. Luis said that Apple products are innovative push to create innovative solutions such as iProtectZ protection program.


With the presence iProtectZ, the Apple product users will feel protected. Sancoyo reveals, "iProtectZ is an electric insurance protection that was created specifically for Apple products that are purchased through a network of outlets iBox. The program is confirmed iBox concern towards its customers."


IProtectZ program, present in Indonesia which is the iBox cooperation with PT. Zurich Insurance Indonesia, which provides indemnity insurance. The safeguards shall be provided to the insured for the value of goods insured or any part of the goods insured for the purchase of products iPad and Mac when physical damage that can not be predicted, suddenly and unexpectedly.

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Direct Car Insurance, Should you?

Along with the trend of increasing density of traffic and crime measures on the highway, it also increases the likelihood of accident involving your car, from a relatively mild, such as: bumped, scratched, theft rearview mirror, until a weight such as collision, theft, and robbery.

For that to meet the needs of security against the risks in a car is necessary, if you need to search for direct car insurance you should check out some of these tips:

1. Determine the type of car insurance protection desired. Overall protection (All Risk) provides the best protection, but you need to take into account its economic side.

2. Do not be fixated on the size of the insurance premium to be paid. See the direct car insurance company's credibility, especially in terms of service, claims handling and financial capability.

3. Is that direct car insurance companies give additional benefits, such as 24-hour claim service, free towing.

4. It is better you see the network shop direct car insurance company partners, the company that has a shop partner, how much, where it is located and how the quality of these workshops.

5. Understand exactly everything what your rights and obligations. What should you do and what not. Are there any exceptions in the policy contract, what trade-offs for you?

If you already fully understand the above, it will be ready to find the appropriate direct car insurance company you want.

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