Personal insurance planning protects individuals and their loved ones by paying out policies in the event of death, critical illness, accidents, or loss of income. Life insurance is especially important for those with dependents to provide for them financially in case of death. Critical illness cover and income protection can help protect against loss of income if an individual is unable to work due to serious illness or injury. Medical, accident, and long-term care insurance are also important to consider, as most countries do not fully cover healthcare costs. Globaleye offers assistance in determining the best personal insurance options.
LifePlan is such a policy. It offers you a bespoke range of protection benefits to perfectly fit your family’s specific needs. No two LifePlans are ever the same, and in this sense you and your trusted adviser will truly create a comprehensive policy suitable for your life now
and in the future.
LifePlan is such a policy. It offers you a bespoke range of protection benefits to perfectly fit your family’s specific needs. No two LifePlans are ever the same, and in this sense you and your trusted adviser will truly create a comprehensive policy suitable for your life now
and in the future.
THE WAY INSURANCE AGENCIES JUDGE RISKS & FIX PREMIUM ON HEALTH INSURANCE POLICYMandana Sharma
The premium of health insurance policies is considered as per the assured sum and investment of the insured but there are many things to look for before considering premiums.
The best Life Insurance for couples in Mississauga and TorontoPravesh Vasudeva
Life insurance for couples is one of the most important purchases you can make together. It's an investment into your future together that ensures peace of mind. Here's everything you need to know.
Learn to understand the different types of life insurance. Life insurance is different from most other types of insurance (like health, car and homeowner’s insurance) in at least one key respect: It covers against an event that is certain to occur at some point in time — the policyholder’s death. For this reason, life insurance should be viewed through a different lens than other insurance — more specifically, as an asset, instead of an expense. http://news.davidlerner.com/news.php?include=145418
Do you know what your car insurance covers? The worst time to start thinking about what insurance coverage you have or don't have is after an accident that has already occurred. The time to prepare and make sure you truly have the coverage you need to protect yourself and your family is before an accident.
http://www.burnetti.com/resources/
Bad news can impact on any one of us at any time, in the form of an illness, or sudden death. We don’t like to think about it, but we do have to plan for it. So having the correct protection strategy in place will enable you to protect your family’s lifestyle if your income suddenly changes due to illness or your premature death. But choosing the right options can be difficult without obtaining professional advice to ensure you protect your family from financial hardship.
Understanding the basics of life insurance is essential when researching and ultimately choosing which life insurance is right for you and your family.
THE WAY INSURANCE AGENCIES JUDGE RISKS & FIX PREMIUM ON HEALTH INSURANCE POLICYMandana Sharma
The premium of health insurance policies is considered as per the assured sum and investment of the insured but there are many things to look for before considering premiums.
The best Life Insurance for couples in Mississauga and TorontoPravesh Vasudeva
Life insurance for couples is one of the most important purchases you can make together. It's an investment into your future together that ensures peace of mind. Here's everything you need to know.
Learn to understand the different types of life insurance. Life insurance is different from most other types of insurance (like health, car and homeowner’s insurance) in at least one key respect: It covers against an event that is certain to occur at some point in time — the policyholder’s death. For this reason, life insurance should be viewed through a different lens than other insurance — more specifically, as an asset, instead of an expense. http://news.davidlerner.com/news.php?include=145418
Do you know what your car insurance covers? The worst time to start thinking about what insurance coverage you have or don't have is after an accident that has already occurred. The time to prepare and make sure you truly have the coverage you need to protect yourself and your family is before an accident.
http://www.burnetti.com/resources/
Bad news can impact on any one of us at any time, in the form of an illness, or sudden death. We don’t like to think about it, but we do have to plan for it. So having the correct protection strategy in place will enable you to protect your family’s lifestyle if your income suddenly changes due to illness or your premature death. But choosing the right options can be difficult without obtaining professional advice to ensure you protect your family from financial hardship.
Understanding the basics of life insurance is essential when researching and ultimately choosing which life insurance is right for you and your family.
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Trường Anh ngữ Philinter nằm ở thành phố Lapu-Lapu, tỉnh Cebu, Philippines, cách 5 phút từ sân bay Cebu. Trường dành riêng cho các học viên đến từ các nước không sử dụng tiếng Anh như Nhật, Hàn, Việt Nam, Nga, Trung Quốc, Đài Loan… là ngôn ngữ chính. Trường có tất cả các khóa học cho từng độ tuổi và cấp độ từ học sinh (7~17 tuổi) đến sinh viên, người đã đi làm và cả người có trình độ bậc cao.
Philinter có 140 phòng học 1:1, 28 phòng học nhóm, phòng đa phương tiện, hội trường, thư viện, phòng internet, phòng tự học…
Ký túc xá tiện nghi được được trang bị đầy đủ tiện nghi, mang đếm cho học viên sự thoải mái nhất (giường, bàn học, máy lạnh, ti vi, tủ lạnh, bình nóng lạnh…) Ngoài ra trong mỗi phòng còn được trang bị wifi miễn phí. Trường áp dụng mô hình Semi Sparta nhằm giúp học viên vừa học tập tốt vừa có thể tham quan, khám phá thành phố xinh đẹp Cebu.
Trong mùa hè 2016 sắp đến, nhiều quý phụ huynh muốn chọn lựa cho con em mình là học sinh du học tiếng Anh tại nước ngoài để vừa học, vừa du lịch, học tập kỹ năng sống, giao lưu với các bạn nhỏ quốc tế khác từ nhiều nước khác như Hàn Quốc, Nhật Bản, Đài Loan, Trung Quốc, Thái Lan… Nếu như trước đây, nhiều phụ huynh sẽ nghĩ ngay đến Singapore hay Malaysia, thì năm 2016 này, một đất nước được xem là thiên đường học tiếng Anh tại Châu Á với chi phí rẻ nhưng hiệu quả cao vì tiếng Anh giọng chuẩn Mỹ và Philippines là quốc gia sử dụng tiếng Anh như là ngôn ngữ chính thức.
Nhiều năm nay, các trường tiếng Anh tại Philippines đã liên tục tổ chức trại hè (Summer Camp) để các em học sinh đến học tập tiếng Anh, du lịch, giao lưu với bạn bè quốc tế, học tập kỹ năng sống… cho nhiều học viên, nhất là từ Nhật Bản, Hàn Quốc và Đài Loan. Tiếp tục sự thành công này, Summer Camp năm 2016 tại Trường Anh ngữ CIA hứa hẹn sẽ mở ra nhiều điều hay, hữu ích cho các bé học sinh Việt Nam.
Running Head INSURANCE COVERAGE1INSURANCE COVERAGE5.docxcowinhelen
Running Head: INSURANCE COVERAGE
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INSURANCE COVERAGE
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Importance of insurance in Estate and Gift Plans
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Insurance coverage is a vital aspect of estate planning. It is essential to help your family after the passing of the insured individual. For estate owners, seeking insurance cover is crucial for their families. The following are some of the benefits that are associated with insurance in estate and gift plans.
1. Avoiding Liquidity Problems
Gifts are frequently attached to less money, and your domain might be made principally out of tangible assets, for example, firmly held business premiums, land or other assets. If your beneficiaries require money to pay home duties or to help themselves, these advantages can be difficult to offer. So far as that is concerned, you may not need these benefits sold. Protection can be the best answer for liquidity issues.
Regardless of whether your estate is in considerable esteem, you might need to buy protection just to evade the pointless offer of advantages for pay costs or duties (Black et al., 2014). Once in a while second amazing promises well. Apparently, your circumstance is one of a kind, so it requires one to get expert guidance before buying estate coverage plans.
2. One can be able to Pick the Best Owner
If one claims insurance for an estate at your demise and you die while the domain assesses in actuality, the returns will be incorporated into your quantifiable inheritance. A proprietorship is typically dictated by a few elements, including who has the privilege to name the recipients of the returns.
Figuring out who should claim protection on your life is a complicated undertaking because there are numerous conceivable proprietors: you or your life partner, your kids, your business, an Irrevocable Life Insurance (ILIT), a family constrained association (FLP) or Limited Liability Company (LLC). The insured person should, therefore, make sure that they outline well the rightful conceivable proprietors to the insurance claim before they die to avoid the cases of misunderstanding among the left candidates.
Possession by you or your life partner, by and large, works best when your joined resources, including protection, don't put both of your homes into a quantifiable circumstance. There are a few non-tax cuts to your possession, primarily identifying with adaptability and control (Thurman, 2016). The most significant disadvantage to possession by you or your life partner is that on the demise of the surviving companion (accepting the returns were at first paid to the mate), the protection continues could be liable to government home assessments, contingent upon when the surviving mate dies.
3. One will be able to Pass riches to the kids
Possession by your youngsters works best when your essential objective is to pass fortunes to them. This makes their life more comfortable at the time when the insured person dies. In addition to this, ...
2. Personal Insurance
Personal insurance planning is all about protecting yourself and your loved ones
– paying into a policy that pays out in the event of your death, a critical illness,
accidental injury, or loss of income.
Life Insurance
The very foundation of insurance is the ability to protect both yourself and your
family against the things in life that you can’t control – your health and, of course,
your death. Arguably, the most important stone in this foundation, especially if
you have dependents, is life insurance. If you have dependents, you want to
provide for them. Providing for them in the event of your death will mean
securing an income.
It’s time to ask yourself some difficult questions… What would happen if you
died? What would the future hold for your dependents? What problems would
they have? What would they have to give up? What effect would this have on
them?
These questions are not easy to answer because it’s hard to be objective when
confronted with such an emotive issue. Yet it is simply a matter of discussing
your needs with a professional adviser who can show you how to protect both
you and your family.
With a vast array of policies to cover all types of personal insurance – be it life
insurance, critical illness insurance, medical, accidental death, disability,
long-term care or family income protection – it can be a bit of a minefield sorting
through the fine print and caveats.
Globaleye offers personal insurance assistance by taking you through the
relevant options available for the type of insurance you need. This alleviates the
worry and allows greater peace of mind, leaving you secure in the knowledge that
both you and your family are protected against any eventuality in the way you
want to be.
Personal Insurance 01
3. Critical Illness Cover
One in three people, aged 30 now, by the age of 65, will have suffered a critical
illness – an alarming statistic. If the one-in-three turns out to be you, consider
the financial effects this would have if you couldn’t continue to work, let alone be
able to afford the cost of any treatment. Mortgage payments, bills and the
general costs of living won’t disappear if you are taken ill, but the income that
provides for your family’s needs will cease, at least for a time. Critical illness cover
is there to protect you in this eventuality and will pay out if you are unable to work
due to serious or ongoing illness.
Income Protection
If you haven’t quite suffered what is termed as a critical illness, but you can’t work
for, say two years, because of a complex leg fracture, or the loss of sight in one
eye, would your employer continue to pay a full salary to cover all your utility bills
and credit cards?
Whole of Life Insurance – is insurance that pays out to your beneficiary in the
event of your death, whenever that may be. Benefits are paid on death or an age
specified in the policy, typically at the age of 100.
Term of Life Insurance – is insurance against your untimely death for a fixed
number of years, for example, for the duration of your children’s education.
Decreasing Term Insurance – is insurance which can be used to pay off a
mortgage or other loans in the event of your death during the outstanding period
of the loan. The death benefit decreases over the term to virtually nothing in the
final year.
Annual Renewable Life Insurance – is insurance applicable for expatriates who
would like to insure themselves for one year at a time in response to changing
circumstances.
Personal Insurance 02
4. Medical Insurance
Some countries in the world offer a free health service or one where the cost to
the individual has been greatly reduced. Yet what happens when you move to a
country and start work where this advantage just doesn’t exist?
Accident Insurance
An accident insurance plan is designed to pay out after an accident, from a whole
gamut of consequences such as losing a thumb, through to complete loss of life.
Long Term Care Benefit
You have settled in the country you want to retire in and life is good, but then you
or a loved one falls ill and needs constant care. Will your adopted country pay for
all the care costs? Most won’t.
Do you ask other family members for help, sell your assets, your home? The
solutions are many, but all involve some form of long-term planning and
insurance, by making good use of current assets and/or saving for this potential
problem.
There are many flexible plans from a multitude of providers to choose from. Your
Globaleye insurance specialist will help you sift through the options and decide on
the right insurance protection for you.
The cost of medical insurance can become very expensive in many cases. So, if
your company doesn’t provide medical insurance or the benefits it offers are just
too basic, then a full comprehensive ‘needs analysis’ is required from your
financial adviser to show you the types of cover available from the huge number
of companies offering these types of schemes.
Costs can vary greatly between providers, as well as across the countries they
cover, so it is extremely important to discuss this with a specialist in this subject.
If the answer is no, then the solution is to secure protection for a percentage of
your income if you are unable to work due to injury or serious illness that will pay
out either a lump sum or scheduled payments.
Personal Insurance 03
5. Family Income / Benefit Protection
Usually less expensive than lump-sum level term insurance, family income
protection pays out a regular income to dependents in the event of your death,
either monthly, quarterly, half-yearly or yearly.
Your next move…
Globaleye consistently delivers unbiased and professionally tailored insurance
solutions, continuously providing clients with the best advice at all levels.
Contact us for a bespoke service with one of our highly qualified international
insurance specialists and find the way to protect you and your family.
The advice we provide in this guide is free and without obligation.
Personal Insurance 04
6. Abu Dhabi
Doha
Hong Kong
Singapore
Ho Chi Minh City
Geneva
Moscow
Kuala Lumpur
Bangkok
Sri Lanka
Additional Office LocationsGlobaleye Headquarters
PO Box 24592
Villa 801
Al Thanya Street
Umm Suqeim 3
Dubai, UAE
Toll Free: 800 4558
Tel: +971 4 404 3700
Email: info@globaleye.com
This material is for information purposes only and does not contain investment advice or an
investment recommendation, or, an offer of or solicitation for, a transaction in any financial
instrument. Always seek independent financial advice before investing in any product. The
information provided and contained in this brochure are believed to reliable, but are subject to
change without notice and Globaleye makes no representation as to the completeness or
accuracy of the information or of any opinions expressed.