Choosing Health Insurance for Individuals

Providing an umbrella before it rains. That is the right expression when we have careful planning in anticipation of the worst possible including in terms of health financing. In an age that is too complex, have health insurance for individuals seems increasingly important given the cost of care and treatment of disease the more expensive and unpredictable. However, choosing the right health insurance is equally important so that you are not harmed in the future.

One of the problems in our health services are health care financing. About 70 percent of the population in developing countries finances their own doctor or hospital costs, while health costs continue to rise. Increasingly sophisticated medical technology increasingly expensive health costs.

Increased health costs not only happen in developing countries, but also throughout the world. Factors that increase the cost is the price of drugs, medical equipment, as well as doctor fees, doctor fees although the actual element is just a small part of overall health costs.

Although we have kept health care, diseases can come without warning. Traffic accidents are a common occurrence experienced by families in many countries, even some 30,000 people die every year due to traffic accidents. Therefore, it is very wise if the family used to protect themselves with family health insurance plans.

With regular pay the premium, if you are sick will be assisted health insurance, so do not burdensome family expenses. We often see families in debt to pay the hospital costs.

Actually, today's health insurance in developing countries is already quite good. Support major medical health insurance will depend on agreements between customers and insurance companies. The greater the premium paid support that is more complete for insurance.

Therefore, you must be careful about the scope of support for health insurance before choosing cheapest health insurance. Does coverage include outpatient services and inpatient? Is there a particular disease that is not guaranteed insurance company?

Also, note the place of service. Whether you can choose which doctor and hospital you want or are confined to a hospital that has been designated? All must be considered, including when the effective guarantee shall come into force. For example, there are certain health insurance quotes just beginning guarantees after 30 days after signing the agreement.

Health insurance services are now very varied. In addition to offering financial guarantees when sick, is that combining it with certain services, such as premiums paid in part shall be applied as a savings or investment.

Of course, this offer is interesting, but usually offered insurance premiums will also be greater. In addition, they are actually participating insurance program at a young age would get some ease, for example, no medical examination required and also to remember insurance premiums will increase with increasing age of the customer. So, sign private health insurance plans at a young age.

Although you and your family will already be a customer of family health insurance, healthy lifestyle should be maintained. It is certainly better healthy than sick though health insurance costs are covered. So, do not leave a healthy lifestyle has become a customer even though health insurance.

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Dream Job: Car Insurance Agents

Insurance agent has become one of the professions today. How could I not? There are many advantages gained by working to sell insurance products. There are no special requirements to become an car insurance agent. Everyone, whatever their background, can apply for work as an agent. What is important is our personality, and willpower to achieve success.

You also do not have to wait until the company's hiring. Now you too can apply. The company would welcome your application and follow up. After that, of course, will be training. You will be given materials regarding the company's history, insurance products, insurance agent websites, tips to capture customers and explain the benefits, and much more.

Training time varies, depending on the company. There is doing it in a matter of days, others within weeks. After officially became an agent, the company will hold another training at different times to continue to hone the ability of agents.

It would be better if an insurance agent had first felt the benefits of insurance. Thus, he could look more convincing when it comes to presenting various types of insurance products. If you have an insurance leads for agents in your subscription, simply, you can call to consult on this possibility.

Different from other types of businesses, selling insurance products do not spend much money. You do not need to have a certain amount of capital to get started. All products are prepared company. All you need to do is just get them to market to potential customers.

At most, you just need transportation and communication costs, and occasionally entertaining expenses, to be able to reach customers. If you have some customers who know each other, you can invite them to come together to meet them all at once. Practical and more efficient.

Being an insurance agent is not as most other employees are bound by office hours. Most of the time they spent outside with clients. Some customers come directly to the house, there is a visit to the office, and nothing more to make an appointment to meet at the mall or a cafe.

This is what caused many housewives interested in becoming an insurance agent. They can still work and earn additional income without having to sacrifice the interests of the family. The important thing is they have to be smart for the time.

There is one thing you need to remember. Flexible working time means you also must be willing to go to customers anytime he wanted or felt need. Not impossible if he asks you to come on weekends. Work also involves aspects of car insurance agents to serve customers best.

Although it can be very flexible working hours, the company continues to apply the rules for the performance of car insurance agents can be monitored. They asked the agency to provide regular reports on activity or achievement that has been reached. If you cannot come directly to the office, agents could report by phone or electronic mail.

One appeal of the insurance business is commission. While working as an agent does not get a salary, you will earn revenue from commissions. The commission amount varies according to the value of policyholders who were sold, but in general, rate is quite promising.

The higher the value of the policy, the greater the amount of commission that can be obtained. For example, you could get a minimum commission of 30 percent of the value of the policy. Therefore, if successfully sold policies worth $ 1000, you will be given a commission of $ 300.

That commission for each policy, if in a month can sell policies to four people, total commissions you get, could reach $ 1200. Profitable, is not it?

Without spending money, you can make a profit. Capital is only supple and diligent search for prospective customers. In the future, you can have a brilliant career in this field.

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Without Health Insurance, drug prices can not be controlled

As long as the price of drugs released into a free market then the prices will be difficult to control. Similarly, the doctor-pharmaceutical collusion. There will be no effect of drug price regulation on the affordability of the community against drugs, except through social health insurance plans that covers the entire population.

It is said by analysts insurance. According to him, due to the medical knowledge gap in developing countries, causing people do not have the control to determine the drugs used thus depends on the doctor chose.

For that, should there be a body that acts for the public interest in suppressing the price of drugs. In developed countries, are instrumentalities of social health insurance. Pharmaceutical companies could lower drug prices because there is a definite market (insurance) and do not need to spend money promoting ethical drugs (drugs that can only be used by prescription) to the doctors.

The Asian countries that implement social health insurance for individuals, among others, the Philippines, Vietnam, Taiwan, and South Korea.

But in some other countries such as Indonesia, the health insurance for people not protect the entire population of the poor. Several types of drugs not included in the list covered. As a result, patients with certain diseases susceptible to the impact high prices of medicines. Drugs that are not covered, usually severe disease medications, such as postoperative cardiac drugs.

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Tips for choosing best Life Insurance

In financial planning, insurance is seen as a protector when disturbed streams of income. For example, you experience a fatal accident, serious illness or even death. Fulfillment of a claim is very important for the heirs. Therefore very important for you to choose the best insurance fit individual needs.
Here are the things that you should learn before deciding to purchase life insurance products:

Company Financial Reports

Although the financial statements have limitations, but still can be a reference earlier to choose an insurance company. Indicators that can be used is the RBC (risk based capital), where a good life insurance company should have above 120 percent RBC. Next look at the net equity (own capital divided by net premium), because insurance companies are well, must have a net equity above 50 percent and gross equity above 20 percent.

Also assessed the quality of underwriting policy in a way to listen to the company's earnings trend for several years. Then check all operational cost of the insurance company. A good performance can be lost due to excessive operating costs will erode company profits.

Track Record Company and Management

After a concise list of choices while under financial reports go on to seek information about the insurance company. Ask colleagues or family, the research also via the Internet. Carefully whether the candidate has long been in the industry, company size, reputation and track record, reputation management company managers, and reinsurance conducted or its main reinsurers. Consider visiting an insurance company branches to be selected. The atmosphere in the office would seem to look directly at their branches.

Quality Service

Do a survey around you, ask the insurance company's service will be a choice. What is troublesome when taking care of the claim, ease what is given, and whether if there is risk of later claims received as promised in the policy, and the quality of knowledge and ability to explain by his agents.

Calculate Your Protection Needs, Make a Note

The next step is to calculate how much actual demand (target) protection, where between one person to another of course different. After the choose, record the name and address of insurance, policy number, the value of death benefits, heirs, insurance agents name and telephone, the policy effective date, and location of initial policy.

Select the appropriate product

Although the insurance company you select is already good but if the type of policy purchased do not fit will result in payment of any claim inconsistent with your financial goals. So, make sure the selected type of insurance that suits your needs and your family. Find insurance providers that offer the cheapest product prices are for the protection you need. Consider buying term life insurance or whole life insurance (endowment).

Do not be lulled by the offer premium discounts or other seductive, consider also buying insurance policies from agents trained and educated and also be personally known to be a plus. Research (products and insurance companies) before you buy!

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Due to cost, 60% of couples in the UK have 1 child only

A British study showed a surprising result. 60% of couples in the country pleaded not afford to have a second child due to cost.
The study was conducted by insurance company Aviva. There are 1,000 parents with children under 22 years of age, who were respondents in the study.

Nearly two in three parents surveyed said they do not have enough money to have a second child. Moreover, now known to raise a child from birth until they are 21 years the cost is £ 270,000.
These costs to buy a variety of needs ranging from nappies / diapers, shoes, doctors, new bicycle, school, tutoring, and others.

The cost of the above will further swell if the parents want to give their children a holiday abroad or private education. Additional costs could reach £ 8.000.
When asked the reason why these parents do not want to have a second child, 58 percent said cost was the main reason. Meanwhile, those who already had two children, there are 64% who claimed could not have a third child.

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10 Jobs Threatening Lung Health

Harmful substances in the workplace are inhaled in a long time on a regular basis, or within a certain amount can cause lung disease. The size of the effects depend on the amount and duration of exposure. In America, every year more than 16,000 people die of lung disease due to the workplace.
The good news, diseases of the respiratory tract can be prevented by using protective, such masks as well as avoiding other pollutants such as cigarette smoke and air pollution. Here are 10 areas of work which is susceptible to respiratory disorders.

Construction
Workers who inhale dust in demolitions or renovations can be at risk for lung cancer, mesothelioma, and asbestosis, a disease that causes scarring and stiffening of lungs. "We worry about people with exposure 20 to 30 years ago," Dr. Harber says, when many products containing asbestos were not banned. Wearing protective gear, including a respirator, when working around older buildings and avoiding smoking can help.

Manufacturing
Factory workers can be exposed to dust, chemicals, and gases, placing them at risk for COPD. In food plants, diacetyl—a flavoring agent used in microwave popcorn, some wines, and fast foods—can cause a devastating and sometimes deadly disease called bronchiolitis obliterans, a close relative of COPD.
The good news? Taking some easy steps can significantly reduce your risk. "Something as simple as when you put diacetyl into a giant pot to mix it, put the lid on and wear a filtering mask," Dr. Harber says.

Health care
An estimated 8% to 12% of health-care workers are sensitive to the powder residue found in latex gloves, which can cause a severe asthma-type reaction. "Even if you're not using [latex gloves], when I put mine on and take them off in the same room, little bits of latex get in the air and people become allergic to it," Dr. Harber says. Limiting exposure whenever possible can help. But for doctors and nurses, skipping the use of protective gloves is not always an option. In severe cases, Dr. Harber says, a latex allergy can end careers. Some hospitals like Johns Hopkins have switched to latex-free synthetic gloves.

Textiles
Byssinosis, also called brown lung disease, is common among textile workers who make upholstery, towels, socks, bed linens, and clothes. Workers can inhale particles released from cotton or other materials. "When cotton is ripped apart, it creates huge amounts of dust and can cause significant airflow obstruction," Dr. Harber says. Smoking increases the risk. Wearing a mask and improving ventilation in the work environment can be beneficial.

Bartending
Serving drinks in a smoke-filled room puts bartenders at high risk for lung disease, especially if they are regularly exposed to second-hand smoke over many years. Today, many states outlaw smoking in restaurants and bars, which has made a significant difference in the health of people working in this field. According to Dr. Harber, studies show that respiratory health among bartenders in cities with smoking bans has dramatically improved. If you work in a city that still allows smoking in bars, a good ventilation system can help.

Baking
Baking is near the top of the list of asthma-provoking jobs, which altogether account for an estimated 15% of new asthma cases in adults. "Bakers who are exposed to flour dust are at very significant risk of developing allergic sensitization," says Dr. Harber. An asthmatic reaction to enzymes used to alter the consistency of dough, as well as allergens shed by bugs, such as beetles, moths, and weevils, often found in flour, is common as well. Good ventilation and the use of a protective mask can help prevent illness.

Automotive industry
Occupational asthma can be a risk for those in the automobile industry, particularly auto-body repair. Auto spray-on paints, such as isocyanate and polyurethane products, can irritate skin, create allergies, and cause chest tightness and severe breathing trouble. "Minor amounts of isocyanates can trigger an asthma attack once you become sensitized to it," Dr. Harber says. "Maybe 5% of spray painters become sensitized. But if you're in the unlucky 5% and get attacks, you can't be around it at all." Respirators, gloves, goggles, and ventilation can help.

Transportation
Delivery truck drivers, those who unload merchandise on loading docks, and railroad industry workers can be at risk for COPD. Diesel exhaust is the biggest factor. A 2004 study found a link between higher lung cancer death rates among U.S. railroad workers after the industry switched from coal to diesel-power in the 1950s. Although engines now emit less diesel exhaust due to improvements and use cleaner-burning diesel fuel, diesel exhaust is still widespread. Staying out of the direct line of diesel exhaust and wearing protective masks help reduce the risk of lung disease.

Mining
Miners are at high risk for a number of lung diseases, including COPD, because of dust exposure, Dr. Harber says. Airborne silica, also known as quartz, can lead to silicosis, a disease that scars lungs. Coal miners are at risk for another type of lung-scarring disease called pneumoconiosis (black lung). Years of exposure to coal dust is the culprit. Not smoking and using dust-filtering masks can help

Firefighting
Firefighters can inhale smoke and a wide range of chemicals that may be present in a burning building. Although the breathing apparatus does a good job of protecting them, it isn't always worn, especially during the so-called overhaul phase, when firefighters sift through debris to ensure that the fire doesn't reignite. Exposure to toxic materials and asbestos is a risk even after the fire is out, and the International Association of Firefighters recommends wearing respiratory protective equipment at all stages of firefighting.

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Insurance will protect the online retailers from Hackers

Hacker attacks from the growing online retailers started making some wary. Because for online retailers, hacker attacks with the loss.

Therefore, IMRG (industry body for global e-retailing) will provide extra insurance funds worth 57.8 billion pounds to protect online retailers from the threat of hacker attacks.

The fund is an insurance fund if at any time online retailer sites has become the victim of hackers.

Since the last few months online retailer sites are a target 'hacktivists'. In yesterday's sites like PayPal, Visa, and Mastercard become hacker target after the accused is subject to U.S. pressure to block a diplomatic cable published by WikiLeaks. In addition, Amazon also become victims of attacks since been deleted information Wikileaks from its servers.

Peter Wood, member of ISACA online safety organizations expressed motivation hackers attacking online retailer due to political motivation. This motivational shift happens after the rise of cases of WikiLeaks, a hacker wants more to have a broader impact.

"Cyber attacks will have serious implications for online retailers if the payment process involved." said Wood. James Roper, chief executive of IMRG, said the insurance covers the customer data protection, and protection servers.

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Ways to be a successful Insurance Agent

Insurance agent is a profession that is "happening" at this time. People who are not bound by a particular company, or who are looking for additional income, usually after work.
There are no special requirements to become an insurance agent. Everyone, whatever their background, can apply for work as an agent. All you need to do when doing this work is to apply a strategy or system that has given the company while training.

However, to become a successful insurance agent, basically you need to apply the following tips:

1. Familiarize yourself withthe field of of insurance . When you have a customer, you already have a basic knowledge about this. But there is nothing wrong to add knowledge by reading or consultation.

2. Continue to follow the development of the insurance world. Do not keep silence, and felt it was enough to have knowledge. Learn from the agents in the office who have achieved success.

3. Unyielding. It is not possible you were rejected when offering the product. Be patient and keep the spirit. There are many other potential prospects. Although rejected, do not disconnect the relationship with that person. Wait for a few moments. After that, re-approach him. It could be at that moment he had changed his mind. Do it all with courtesy.

4. Do not beat around the bush when describing a product. Notify customers with simple language. When you have to make calculations, do well with simple ways for customers really understand what the product will have.

5. Be a good friend for your customers. Listen to complaints that you really know his personality. You also be able to determine what products are best for him. Customers will feel to have an agent who really concerned him.

6. Always be diligent. Diligent search for prospective clients, diligently monitor the development of existing clients, diligently equip themselves with new information, and others. The amount of commission that we get also depends on how diligent we are moving.

7. Be honest to customers. Explain all of the terms and benefits of each insurance product. When he asked what insurance products are best suited to its condition, ask the right products. Do not veer-steered clients for personal gain.

8. Learn the proper way to sell products. There is no single formula for marketing an absolute right for all people. Everyone has different characteristics and personalities. Customize your moves with the person you are facing. It is better to find information about them before you offer the product.

9. Know any insurance product that the company had. It may be in the future you feel more comfortable selling a particular product type, such as direct car insurance. But you still have to know the other products. Do not let customers think you are an agent who is incompetent, just because you do not master product knowledge.

10. Ensuring the best for the customer. When deciding to become agents, you must prioritize its interests. Being an agent means to help create a better life for them. If you previously had insurance benefit, it's your turn to share the same with them.

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Protect your loved ones with Life Insurance

Still in the warm atmosphere of Valentine's Day, I congratulate enjoy the day of love with people you love. Let the spirit of Valentine's Day can further enhance your spirit in achieving the goals and bring prosperity to the people who loved.
Dear readers, each person must have diverse opinions about the definition of a romantic atmosphere. Dinner together at an expensive restaurant with candle light can be a romantic atmosphere for some people

Watching movies in theaters for the midnight premiere after dinner can also be a romantic moment for some other person.

Variety of opinion can arise due to the romantic atmosphere is the thing that is personal to everyone. Our desire to provide the best for a life partner and beloved children is also a form of romantic affection.

Essentially, we are working to provide a loving life and happiness for loved ones. However, what if you die tomorrow?

Whether they can continue to enjoy the same prosperous life with when you are still there in their midst? Are they able to retain all future plans to remain "on track"?

That is the role of a life insurance policy that can protect the future of family travel as planned. Thus, they can be protected from financial hardship when misery comes.

If you agree that faith purchase of life insurance products is a priority for you to show affection for your spouse and children dear, this is the best to equip your beloved family with life insurance.

Immediately contact a professional life insurance agent. The agent can assist you in designing best life insurance programs for families who fit the needs and financial capabilities.

Obviously you hope and keep praying to avoid a variety of misery. However, life is vulnerable to the risk of emergence of various disasters / misery. Even if misery befall you, do not let your beloved children must change schools due to limited funds after you are no longer with them. Your partner also should not have to drudge and work hard to meet the needs of the household.

The quality of family life and study plan to the university not to cancel just because the disasters happened because you do not protect yourself and your family with life insurance.

When you do not equip yourself and your family with term life insurance policy, which resulted in misery you die can cause financial problems are quite complicated for your beloved family.

Essentially, buying affordable life insurance products is a priority and proof of your affection for your spouse and your children. Life insurance policies will perpetuate your love to your family and provide financial protection for them. Your decision in buying a life insurance policy for the sake of the family's financial security could avoid the possibility of suffering for them.

Children do not have to move the school to continue education. They also do not have to move from the house you already live together to a location more distant, small, and simple. There need not be words to use the money very efficient, and their life becomes very difficult when you are not on their side.

Therefore, you should immediately equip them with global life insurance policy. Policy benefits that you have will be keeping a future trip as you plan ahead.

Your family was spared from financial hardship when misery came suddenly. Your awareness to purchase a life insurance policy for loved ones is an act which actually is very romantic.

This is proof that you have a strong commitment to love and defend your family from a variety of unexpected risks in the future. You also have the sincerity to prove the promise of love for them in all circumstances. Why is that?

Even if you die, your family can still sustain life with an adequate standard of living through an insurance policy benefits the faithful to accompany them.

Beloved children can continue their studies up to the highest level according to which they aspire. Immediately protect the people you love with Life Insurance Policy. Happy Valentine's Day and Happy Life Insurance.

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Too ignoring sleepiness, millions of drivers in danger

Research shows that tired was a major cause of accidents. Because of tired, drivers often lose control of his car which eventually caused the accident. Research conducted by direct car insurance companies and safety organizations in the UK, showed that one in five fatal accidents caused by driver are tired.

But that number is expected to be much higher. Because it is difficult to determine whether the driver was asleep or not when there are accidents. Especially when it causes loss of life.

The survey also provides a solution for the driver rest every two hours when they travel long, although nearly three-quarters of respondents failed to do this.

If drivers feel are tired when driving they should stop in a safe place as soon as possible, drinking caffeinated beverages and a short sleep. Or if necessary, they should find a place to spend the night.

However, there remains the stubborn drivers. According to the 800 drivers surveyed by the car insurance company, they have their own sleepy popular drug that is opening the window, listening to music or their faces splashed with water.

"It is terrible how the driver satisfied with this situation. Yet only takes a few seconds sleep to cause fatal accidents, but millions of drivers tired regularly caught behind the wheel, and most do not know how to deal with drowsiness on a long journey," said Ellen Booth who become an organizational safety campaigners.

"We all know when we feel sleepy. Thinking that we can fight sleep, especially using the method of 'other', is a mistake that could harm your life or someone else,"he concluded.

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Prohibition to use the phone while driving not effective

A study by the direct insurance company in the United States to review rules on the prohibition of mobile phone use while driving. The results were surprising. Car accident rate remains the same, before and after the rule is enforced.

Even more surprising, according to a study conducted direct insurance company, using hands-free as an alternative did not show differences in accident rate.
After reviewing the data related to the level of accident insurance in several states that already enforce the rule of law, compared with countries that do not have it, the accident rate remains the same.

No different result, when a number of researchers compared the stack direct car insurance claims during the applicable rules of the ban and earlier, especially in New York, Washington DC, Connecticut, and California (USA).

Concluded that the law or legislation does not significantly affect the level of traffic accidents. In fact, the law does not reduce the accident rate, although we know that rule was enforced.
Previous studies which say that the call while driving increases the risk of accident as if it is not entirely accurate.

However, a study conducted Highway Loss Data Institute (HLDI) in Canada concluded the opposite. There, he added, the risk of accident increases fourfold.
So, these new findings is still not the same. Speaking of research about the risks of calling and SMS while driving is not always the same in all places.

In other countries similar rules have been enacted since the end of last year. They will provide sanctions for drivers who use the phone while driving a car.
Sanctions in the form of traffic tickets with penalties or jail sanctions. However, until now there is no local direct insurance company that examine the impact of the rules of this prohibition.

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Insurance Company to recognize the driver's character through the Zodiac

Earlier this year, the world community made splashy with the enactment of a new Zodiac named Ophiuchus. Now, with the stars of the 13th of this, the driver's character was changed.
Character driving a person claimed to be guessed only from their zodiac. Date of birth of a person believed to have a general pattern that ultimately predictable.

An direct car insurance company from the United States even claim to be able to explain the character of a person driving under the star.

Research from direct car insurance companies named Allstate is based on auto insurance claims during the years 2010 ago. From the list prepared Allstate this looks Virgo star driver, a rider of the most dangerous and most involved accidents. Followed by Leo, who is also considered dangerous.

Here is a character based on the zodiac driver and auto insurance claims at Allstate in 2010 ago, including new star Ophiuchus.
* Scorpio (November 23 - November 28) - Passionate, resourceful - 26,833 crashes
* Ophiuchus (November 29 - December 17) - Wise, ambitious, lucky - 83,234 crashes
* Cancer (July 21 - August 9) - Compassion, sensitivity - 101,539 crashes
* Aquarius (February 16 - March 11) - Progressive, independent - 106,878 crashes
* Libra (October 31 - November 22) - Cooperative, gracious - 110,592 crashes
* Aries (April 17 - May 13) - Impatience, determination - 112,402 crashes
* Capricorn (January 18 - February 15) - Responsible, disciplined - 128,005 crashes
* Gemini (June 20 - July 20) - Short attention span, nervous - 136,904 crashes
* Sagittarius (December 18 - January 17) - Impatient, idealistic - 154,477 crashes
* Pisces (March 12 - April 16) - Fearful, overly trusting - 172,030 crashes
* Taurus (May 14 - June 19) - Uncompromising, possessive - 177,503 crashes
* Leo (August 10 - September 15) Arrogance, inflexibility - 179,657 crashes
* Virgo (September 16 - October 30) - Worry, shyness - 211,650 crashes

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Choosing Cheap Car Insurances when Flood Season

The world today is more often hit by floods and more intense every year. The threat of flooding, increasingly difficult to predict in addition to the threat of other natural disasters. Floods in Australia, Brazil, Jakarta and some other countries make us more explosions.

Fears that flood caused damage to the car example is water hammer causing damage to hundreds of thousands. Losses due to flooding can indeed be claimed to the insurance, but there are some important things that need to be considered, that is the protection offered by the cheaper car insurance.

Please note that the standard protection cheaper car insurance generally does not include the risk of third-party Liability, floods, riots and others who are excluded by the policy. Therefore, make sure at the time of submission of application for cheap car insurances is equipped with the extension of protection to suit your needs including expansion of the flood.

Replacement of flood expansion includes repair or replacement to interior, exterior, dashboard panel, mechanical, electrical and other damage on the insured vehicle due to flood risk.

With the expansion of insurance coverage, we can better protect assets depends on how widespread the condition of protection required.

Already many cheaper car insurance companies that provide extended warranties so that vehicle owners can be more secure and comfortable ride. It also provides an easy claim service, by providing an extensive service station network with original parts warranties, and guarantees the work of a quality repair shop.

There is also a service to the needs of emergency services in the street for 24 hours. You can also enjoy services that make it easy to survey the claims in your home or office.

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Importance of Life Insurance Policy

In this edition I will present to you about the latest survey results regarding the urgency of life insurance in the United States (U.S.). This fact is important to note because of the impact of global crisis necessarily raise public awareness in the country for life insurance. The urgency should be a reference for us to quickly equip yourself and your family with life insurance.

Nationwide survey conducted in the U.S. last year to 1004 respondents. Statistically, the survey results show that the needs of the community in the country to insurance protection and financial security in the context of financial planning experience rapid growth.

This shows an increasing awareness among U.S. citizens to financial risks that they will naturally associated with negative impacts due to global economic recession hit. A wave of global financial crisis in 2007-2008 have hit the pulse of the world economy, including the existence of the stock market, the financial industry, business, and the dynamics of community life.

The global financial crisis seems to teach Americans about the importance of financial planning to cope with various uncertainties and risks that threaten their future. Previous economic crisis has destroyed the economy many families so that they become poor.

Property and wealth they suddenly diminish in value due to stock market and financial contraction. Their hope to enjoy a quality life to fall apart. Bankruptcy of many companies make a lot of people who work there do not have certainty in the future.

A series of adverse events has opened the hearts of U.S. citizens to equip themselves with life insurance products. One important reason why someone should buy a life insurance policy is that the concerned loving spouse and children dear.

When there is a life insurance policy in hand, there is certainty that a spouse and children get protection in terms of the related financial needs when the unfortunate/unexpected misfortune.

There are many benefits that we can get from a life insurance policy, including a income replacement, preparing education fund for children (education funding), preparation of funds for health care and accidents (health insurance), saving and asset accumulation, and to improve and develop the assets (asset enhancement).

What about you? When you do not have a life insurance policy, there are several questions that should be contemplation. What happens to families when a misfortune happens to you? Do you want your loved ones can continue living a good life in accordance with the quality that you have provided before you leave them? Are your kids can continue their studies until the college according to their ideals?

If later you are entering retirement age, if you do not want your spouse will still receive monthly income? Or, if you are an entrepreneur, if you do not want business partners or your successor will be to continue business with a good rate even though you are no longer with them? Reflection is ought to be able to raise your awareness to equip themselves with life insurance to suit your needs.

Life insurance plays a role in helping and supporting your family's finances when a misfortune/tragedy happens in your life. Simply put, life insurance helps you in ensuring the survival of the family with adequate financial support. Your decision in the insured is the real proof of love and attention to the spouses and children dear. Good life insurance.

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Strategies choose Cheaper Car Insurance

Choosing an cheaper auto insurance to protect the vehicle from unexpected hazards is important. You do not always able to guarantee the safety car for example of the collision, or theft of the car. With auto insurance in hand, at least you can drive a car with a sense of comfort wherever your destination.

Of course, to get protection, you have to pay a premium to be paid within a certain period to the cheaper auto insurance company you choose. To reduce the cost of the premium paid, you can perform a number of special tips:

• Rather than base your decision on the most memorable commercial, shop around. Insurance companies charge different rates for the same coverage: In National Underwriter’s annual online quest for the best six-month auto insurance premium, rates varied by as much as $450 for the same coverage on the same vehicle, up $150 from last year’s spread.
  
  
• If you’re in the market not only for auto insurance, but also for a new car, you can significantly sway auto insurance premiums up or down depending on what type of vehicle you buy and what kind of equipment it has. Mike Barry, vice president for the Insurance Information Institute, says that buying vehicles with anti-lock brakes, daytime running lights, and anti-theft devices can help reduce insurance premiums. “Some states require insurers to give discounts for cars equipped with airbags or anti-lock brakes,” he says.
  
  
• Dave Snyder, assistant general counsel for the American Insurance Association, recommends checking out the auto Insurance Institute for Highway Safety Web site for vehicles with high crash-test ratings as a way to mitigate insurance costs. He also points to the Highway Loss Data Institute Web site to find out which vehicles have the highest claims for Personal Injury Protection when involved in a collision. This can be an indication of vehicles in which occupants sustained severe injuries in a collision.
  
  
• With regard to the amount of liability coverage to carry, opinions are divided. Jack Hungelmann, author of "Insurance for Dummies," estimates that raising liability coverage from $300,000 to $500,000 would only cost about $60 per year for two cars, or the same amount for one car driven by a young person. Given that critical care for serious injuries can easily run up to six figures, Hungelmann considers this a worthwhile investment. “Nobody should carry less than $500,000 per person,” he says.
  
  
• But before you pay for this coverage, consider that medical payment coverage through an auto insurance carrier might duplicate health or disability benefits you buy individually or receive through your job.
  
  
• ven how you buy consumer goods and pay your bills can have an impact on what you shell out for car insurance. About 10 years ago, insurance carriers started using credit history and insurance scores, which are essentially credit scores with other factors thrown in, to determine premium rates. The practice has survived many court challenges and complaints from consumer advocates who do not believe credit history is any indication of auto insurance loss. Many states have adopted enabling legislation that allows for discounts when a credit score suffers because of a job loss or unusual medical expenses. But in general, the practice is here to stay. So finding out your credit score and taking measures to improve it may help lower your auto-insurance premium.

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The Automobile Industry is also growing Car Insurance Industry

The role of the automobile industry for the economy was inevitable. The industry is listed as one of the largest tax contributor in many countries. Since long the industry to participate in improving the economy, the automotive industry also has a complete chain starting from the manufacture of components, production and vehicle assembly, distribution network and sales to after sales service.

Everything absorb a large workforce, in addition, this industry continues to develop other industries such as finance and car insurance.

Furthermore the auto industry to attract foreign investors to expand its business in the country.
So the car insurance company and automotive industry players are expected to be better able to improve the innovation that can produce a quality product with a design that is up to date, energy efficient, environmentally friendly, and affordable prices.

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People without health insurance in the U.S. up to 51 Million

The amount of poverty in the U.S. increased by about 4 million people to 43.7 million people in 2010. This is the highest in the last 51 years which was released by the U.S. census. In 2010, one of seven people in the U.S. live below the poverty line, or with income less than $22 thousand per year. This puts the level of poverty in the U.S. to 14%. As a percentage, is the highest since 1994. This was conveyed by the U.S. Census Bureau.

Data on the number of people without health insurance in the U.S. also reached a record is pathetic. There are 51 million people in 2010 who did not buy health insurance. This amount is up from 2009, which amounted to 46.3 million. This figure was the highest since 1987.

Poverty in the U.S. happen to black people and Latin people. About a quarter of blacks in the U.S. and Latin in the U.S. live in poverty. As for whites and Asia, only 12.5% living in poverty.

Faced with this data, President Barack Obama would immediately take steps to help millions of American people still survive in the midst of the economic situation is still sore from the financial crisis that hit.

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5 tips for your life insurance up to date

In the context of insurance coverage, your decisions and actions today to equip yourself and your family with life insurance aims to ensure the people you love safe under the protection of the insurance program.
In order to equip themselves with life insurance for one year ahead, a nonprofit organization, the Life and Health Insurance Foundation for Education (LIFE) published 5 tips that can help you to ensure that your insurance program up to date.

First, the beginning of the year is thegood time for you to evaluate and review any life insurance policy you already own . Some reasons that are often overlooked why you need to evaluate, among other factors raise, increased regular spending, new debt collection, or the addition of a dependent family member.

You need to check your policy to ensure the range of sum insured and insurance benefits contained in it quite adequate for your current condition.

Second, protect your most valuable asset. Income you earn each month is one of the most valuable asset! If income is stopped, you can imagine how long your family can survive to fulfill everyday needs! When the reserve fund runs out, you are conditioned to sell other property to cover the monthly expenditure.

Do not underestimate this one. Within this context, a life insurance policy with a benefit-oriented Income Replacement important to you now as well. This type of policy provides benefits for you as a replacement monthly income, if any time you suffer illness or disability and the cause you can not work normally.

Third, consider carefully to have a life insurance Long Term Care while you are still in good health condition. How old are you this year? If your financial budget allows, the best time to purchase a policy of this kind is when you are aged 40-50 years.

At that age range, you generally have relatively good health condition so that the insurance premium you pay is not too expensive. Also, chances are your insurance policy application is received by life insurance companies because of the risk level is still within their reach.

Fourth, review the list of your heirs. Weddings, baby births, sad events such as divorce, or various forms of adversity can make changes to the heirs from time to time.
Beginning of the year is a good time for you to evaluate the heirs of each life insurance policy you have. Make sure the list reflects any changes that may exist in your family since last one year.

Fifth, it is no less important to you is to meet with insurance agents. Together with a professional agent, you can perform an annual evaluation to examine all four of the above. Also, do a review with the agent, if there is an opportunity for you to reduce premium costs this year!

For example, in fact you have stopped smoking since a few years ago so that your health condition better. This fact can be submitted to life insurance companies in order to try a decrease in your insurance premium.

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Choosing a family doctor is covered by health insurance

Looking for a suitable family doctor yet qualified, is not easy. Need foresight and patience to find it.
For example, when you're enjoying the long holiday with family at the beach, the family suddenly hit by allergies from foods they consume. Want to see a doctor, but a loss for the right doctor in a place far from the city like this. But having a health insurance for individuals to solve problems experienced by your family.

The family doctor is usually easier to communicate by phone or even SMS, and be contacted whenever needed. Moreover, these doctor have the medical records of all family members, making it easier to make the analysis even though the distance like your case.

The so-called family doctor, the doctor who not only perform medical treatment, but also provide health counseling and are expected to have concern for the emotional problems their patients have. In some countries the family doctor specialist, called a family practitioner or usually the family doctor is a GP who understands all the common medical problems suffered by patients of all age groups.

Some things that can be taken into consideration before choosing a family doctor is covered by e health insurance, among others:

• Already experienced as a family doctor.
  
• Get recommendations from relatives or friends about a trusted family doctor.
  
• Find out the family doctor quality standards in general and adjust to your preference.
  
• Adjust the location of the practice with the location of your home.
  
• Communicative and not stingy in sharing knowledge.
  
• Make you and your family feel comfortable if her medical treatment.
  
• It has a hotline number, which can and are willing to be contacted in times of emergency (either by phone or SMS).
  
• Having complete patient medical record files with settings files are neat.
  
• Having good relations with colleagues, labs and hospitals, making it easy to give referrals to specialists, and can send patients to laboratories and hospitals if necessary.
  
• Finding doctor who practiced in hospitals are included in the territory covered by insurance, so they can save costs.

Some advantages of having a family doctor, among others:

• The existence of medical records containing medical history and your family makes you do not need to complain at length presents a history of illness or disease during treatment.
  
• Doctors have identified a history of disease, so avoid the use of drugs or medication errors that flit.
  
• It's easier to make an appointment so no need to queue for hours.
  
• Habituation use the services of the same doctor to make the child feel comfortable to complain about the disease and get immunization.
  
• The benefits will be felt, especially times when families need emergency treatment.

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Participate Sharia Insurance, What the rulings?

Law to follow the insurance is fine, no problem, as long as we follow the appropriate insurance with Islamic Shariah. Even if you look at history, the discussion about insurance long-standing. For example, Ibn Abidin, a fuqoha sect Hanafi (1784 - 1836 AD), has conducted studies on definitions, concepts, and patterns of insurance transactions in accordance with Islamic Shari'a.

In general, there are some fundamental differences between sharia insurance, and conventional. The difference can be seen from the agreement, the principles of halal or haram, and the structure of insurance companies.

First, in terms of the contract. Participants sharia insurance policy, the funds entrusted to the company, usually using a two contract. Namely, tabarru'(virtue) and mudaraba. In agreement tabarru', the sharia insurance policyholders are agreed to set aside part of the funds deposited for the common good. In principle, one with the other cover one another's burdens. This is called takaful. Funds collected in the account tabarru 'is usually used to pay insurance claims of the unfortunate participants.

The second contract is mudaraba, where participants insurance, act as rabbul Maal (owner funds) and the company as mudarib (fund manager). There is a profit-sharing ratio agreed by both parties. The size of an acceptable return policy holders are very dependent on the success of the investment made by the company.

This is different to conventional insurance, where the funds raised through insurance premiums paid by participants will be wholly-owned company. Companies are free to use and invest these funds in accordance with her wishes.

Interestingly, the term "sunk funds" is not recognized in sharia insurance. If the policyholder had resigned, he is entitled to withdraw the remaining funds, except for some funds that have become part of tabarru '. Unlike conventional insurance, which applies the principle of sunk funds if the participant resigns insurance.

The second difference located in the screening halal haram. sharia insurance company would not be likely to engage in businesses that were contrary to the provisions of sharia. While in conventional insurance, the issue of halal haram is not too get attention. What is overlooked is purely a business advantage.

Third, the structure of sharia insurance companies, there is a sharia supervisory board (SSB). SSB is tasked to supervise and ensure conformity between practice and insurance products with Islamic law. Unlike conventional insurance that do not have the SSB at all.

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Cheaper Car Insurance cover Damage due to Earthquakes

Recently in some countries often rocked by earthquakes. It might make us fear for the fate of our cars, because there has been an car insurance that does not dare to cover the losses caused by natural disasters such as earthquakes.


Well, it's been a lot of companies that responded to these concerns with the ready, to cover consumer losses due to natural disasters, including earthquakes, of course, after inserting a clause earthquake in the policy.

"Consumers can file a warranty extension, where an earthquake can be included in an agreement on policy," according to cheaper car insurance agent who gave his presentation would dare do to a car insured losses from natural disaster.

"Although the standard policy, an earthquake does not exist, but with the extension of these guarantees, disaster losses can be our responsibility," they added.

Of course, consumers who already have cheaper car insurance, just ask extension of the guarantee, by paying an additional premium, which is adapted to estimate the amount of risk.

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Know the types of Direct Auto Insurance for Beginner

Basically for a automobile, there are two types of direct auto insurance that is generally used on a automobile there are two: Total Lost and All Risk. But it's best to choose which type of insurance suitable for your automobile, then you should understand what kind of insurance that best suits both economically and functionally.

1. Total Lost
This means your direct auto insurance claim will be granted when it has occurred, the total damage that can not be recovered or exceeded 70% - in this case as if your bike is lost because it was stolen by thieves, burned, or destroyed so it can not be repaired, as a result of accident. Usually when you buy a new automobile pay in installments, then automatically you have to get automobile insurance Total Lost, from the credit agency you use.

2. All Risk
All risk insurance is direct auto insurance that will cover all kinds of automobiles both major damage to the minor damage. Users only pay insurance claims to get a replacement even though the damage on his automobile only minor damage. But to get a warranty insurance policy with All types of risk will usually be charged higher than the total lost insurance - usually charged 3x or 4x premium.

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Carefully Choosing term Life Insurance rates

Life insurance is one important requirement related to financial planning. In recent years, unit-linked products including term life insurance rates category is increasingly growing and provides many offerings. We recommend carefully before choosing an investment that also have this protection.

Choose products that provide space for customers to adapt to the needs and abilities. There is an enticing product, because only by paying $ 30 a month, you can pay a premium for protection and long-term investment. But not just cheap, you need to also examine the extent of adjustments that you can do.

For example, changing the benefits of investment, in this case increase, reduce or even eliminate the benefits of protection, adjusted for the amount of premium. Is then the premium will also increase or follow the previous premium, if the customer then make adjustments as needed benefits.

Term life insurance rates products should be representative and correspond to the needs of customers. Customers should be involved in managing finances. Older models, the financial institutions to act unilaterally in the ownership of the product is no longer relevant to see the conditions present.

To ensure the product is safe, also check the financial institution issuing the product. This can be seen from the professionalism of insurance agents. Just ask, if the agent has a certification from the Insurance Association. It could also recognize the company's performance by measuring against the insurance industry recognition. The award of a number of economic media company's performance and even recognition of the world should be a consideration.

Meanwhile, an opinion from a financial planner, says you should select a pure life insurance. This means that there are no payments from insurance companies for customers is still alive for the protection of certain diseases, which can be claimed from the publisher of unit-linked products. Pure life insurance means that payment is made if the customer dies.

Many conveniences provided by the investors if they have a link unit. But the benefits can be obtained relatively small. Items in the category of this advance can be very good as investment protection. But not necessarily fit everyone.

Recommended for people with an income of $900 - $1200 a month should choose other investment products. Investment products such as gold, or deposits more appropriate. However, this option remains be returned to your needs, short, medium, long, and risks.

We recommend that you select the term life insurance rates product by first discussing in detail the advantages and disadvantages. Professional insurance agent should provide a space for discussion and not just "sell"products.

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Should Insurance for Injury Sex?

Injury during intercourse is a lot happening. This is because during sexual intercourse, the couple less attention to their personal safety. If so that, should a person have health insurance for injury sex?

So far, the general insurance is only intended to protect certain body parts that are considered important, accident insurance, and insurance to help the cost of treatment of some diseases. Yet unwittingly having sex can also cause injury to the spouse.

This is very interesting, although not yet found data on injuries caused by sexual intercourse. Based on several surveys known to average Americans have sex as much as 85 times a year. Another report that is obtained is one-third of the participants complained of injury associated with sex.

In addition, about 5 percent of the adult population have to take time off work because of injury associated with sex.

There are 10 most common injuries associated with sexual intercourse, ie:

1. Pulled muscle
2. The injured limb
3. Spasms in the neck
4. Injured elbow and knee
5. Bruising on the shoulder
6. Twisted knee
7. Sprained wrist
8. Sprained ankle
9. Curved-finger
10. Burns

In the case of a fairly extreme, sex can make a broken rib. These conditions provide an assessment that sex is also one activity that could pose a risk.

Most of the injuries from sex is related to the location of sex such as on the stairs, in the car, in the bathroom tub, above the office desk or even in the cabinet office.
Sofa or bedroom can become a dangerous place, especially if nearby there are items such as cups, plates or other glassware.

Therefore, it may not hurt to start thinking about sex injury insurance. And to prevent injuries that might arise from having sex is to avoid dangerous objects before making love and care in moving.

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High Health Costs, Government Need to Promote Health Insurance

The cost of treatment, the more expensive so it is difficult to reach by the poor economic groups. To overcome the high cost of treatment, the government assessed needs to develop a health insurance program for all communities.

Increasingly expensive health costs. Pity the poor economic groups, because the more difficult to reach medical expenses. The government needs to make a breakthrough, for problems of higher medical costs can be solved.

Breakthrough programs that government can do that is with the development program for all public health insurance.

Health problems parallel with education is the responsibility of the state, so the need to provide a large share of attention because it involves the welfare of the people.
So the next government needs to promote health insurance program that can include all citizens of the nation. The existence of an insurance program is expected to help the community to improve the quality of healthcare.

Development of insurance that covers all that is required is a customer of all citizens health insurance. Need to develop health insurance is managed directly by the state. All customers must give a monthly premium or annual dues.

Collecting the insurance contributions, adjusted for the economic ability of each customer. Insurance card was taken during treatment. Anyone seeking treatment must be completed by the insurance card. That way health care costs will be much more affordable.

In addition, the health of the world climate, will also be much improved and aligned to the community, because doctors and all who work in the health sector will be oriented to public service.

If the development of an integrated insurance can be done well, the cost of treatment will be more affordable. Doctors and all parties involved in the health sector can take advantage of the insurance, so it will be more focused in serving the public health.

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Seat Belt, Save Millions of People

Seat belts, safety devices in cars is often overlooked by many people. Did you know that seat belts have been discovered by a technician Volvo, Nils Bohlin, since 1959 last? According to the car insurance company, because the seat belt is the first step that is really effective in handling car safety.

And in August 2009, Volvo also remove their patents, to the most important safety device and let all other car manufacturers use it for free. At that time, Volvo Car Australia managing director, Alan Desselss said, "The decision to release the patent three-point seat belt is our vision and is also in line with the principles of Volvo who always put safety,"

Seat belts were found by Nils is a three-point seat belts in the form of the letter 'V' as long as this commonly used in each car passenger.
Seat belts are considered smart, because besides ease of use, seat belt is also proved helpful passenger or driver of the car to secure his position.

This tool was even referred to as an innovation that deserves calculated in the auto industry already has a history of more than 120 years. Because the estimated more than a million of people owed his life on this tool.

"That's why we want to say that there is little sense of Volvo in every car," said Alan.

And until recently, most countries have created regulations requiring that every person who drove the car to use their seatbelt.

Victoria which is a state of Australia was the first country in the world who regulate it in 1970 ago. And incredibly, in the first year be carried out, using a seat belt legislation has been to reduce the impact of fatal accidents by 18 percent.

In future, these safety devices will certainly continue to grow, Volvo also promised to continue to explore the design of their belts in order to create a seat belt which is easier to use as well as safe.

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Be careful, check your direct car insurance policy!

Insuring the car certainly makes the heart calm, because all the losses eventually going to covered by the insurer. However, many users have complained direct car insurance when they wanted to make a claim, as many who feel treated unfairly, even car insurance agencies can reject claims consumers.

Indeed, nothing is wrong, because all of it based on what is stated in the policy agreement that we signed. Thus, if less careful, can be detrimental consequences.

The first thing to note is that the main cause of loss. For example, when our car safely parked in the garage were destroyed because of our garage wall collapsed.

Well, after further investigation, the collapse of the wall of the garage due to falling trees due to lightning strikes. Does lightning exists in the policy? if no, the insurer will not provide indemnity.

"Because it is lightning does not exist in policy, and the leading cause of loss was the lightning, it must be careful," said one direct car insurance agent when giving his presentation.

Thus, he added, consumers are indeed required flair and thoroughness, so as not to get caught up in the clause which was agreed in the policy.

"So not only collect the claim because our cars were destroyed, but the destruction caused by what? Is there a clause in its policy?".

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