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Thursday, December 10, 2009
Vitamin D Prevents Cancer: Is It True?
The geographic distribution of colon cancer is similar to the historical geographic distribution of rickets. The highest death rates from colon cancer occur in areas that had high prevalence rates of rickets-regions with winter ultraviolet radiation deficiency, generally due to a combination of high or moderately high latitude, high-sulfur content air pollution (acid haze), higher than average stratospheric ozone thickness, and persistently thick winter cloud cover. The geographic distribution of colon cancer mortality rates reveals significantly low death rates at low latitudes in the United States and significantly high rates in the industrialized Northeast. The Northeast has a combination of latitude, climate, and air pollution that prevents any synthesis of vitamin D during a five-month vitamin D winter. Breast cancer death rates in white women also rise with distance from the equator and are highest in areas with long vitamin D winters. Colon cancer incidence rates also have been shown to be inversely proportional to intake of calcium. These findings, which are consistent with laboratory results, indicate that most cases of colon cancer may be prevented with regular intake of calcium in the range of 1,800 mg per day, in a dietary context that includes 800 IU per day (20 μg) of vitamin D3. (In women, an intake of approximately 1,000 mg of calcium per 1,000 kcal of energy with 800 IU of vitamin D would be sufficient.) In observational studies, the source of approximately 90% of the calcium intake was vitamin D-fortified milk. Vitamin D may also be obtained from fatty fish. In addition to reduction of incidence and mortality rates from colon cancer, epidemiological data suggest that intake of 800 IU/day of vitamin D may be associated with enhanced survival rates among breast cancer cases.
15 Best Diet Tips EverBest 15 diet tips
15 Best Diet Tips Ever
Best Diet Tip No. 1: Drink plenty of water or other calorie-free beverages.
People sometimes confuse thirst with hunger. So you can end up eating extra calories when an ice-cold glass of water is really what you need.
"If you don't like plain water, try adding citrus or a splash of juice, or brew infused teas like mango or peach, which have lots of flavor but no calories," says Cynthia Sass, RD, a spokeswoman for the American Dietetic Association.
Best Diet Tip No. 2: Think about what you can add to your diet, not what you should take away.
Start by focusing on getting the recommended 5-9 servings of fruits and vegetables each day.
"It sounds like a lot, but it is well worth it, because at the same time you are meeting your fiber goals and feeling more satisfied from the volume of food," says chef Laura Pansiero, RD.
You're also less likely to overeat because fruits and vegetables displace fat in the diet. And that's not to mention the health benefits of fruits and vegetables. More than 200 studies have documented the disease-preventing qualities of phytochemicals found in produce, says Pansiero.
Her suggestion for getting more: Work vegetables into meals instead of just serving them as sides on a plate.
"I love to take seasonal vegetables and make stir-fries, frittatas, risotto, pilafs, soups, or layer on sandwiches," Pansiero says. "It is so easy to buy a variety of vegetables and incorporate them into dishes."
Best Diet Tip No. 3: Consider whether you're really hungry.
Whenever you feel like eating, look for physical signs of hunger, suggests Michelle May, MD, author of Am I Hungry?
"Hunger is your body's way of telling you that you need fuel, so when a craving doesn't come from hunger, eating will never satisfy it," she says.
When you're done eating, you should feel better -- not stuffed, bloated, or tired.
"Your stomach is only the size of your fist, so it takes just a handful of food to fill it comfortably," says May.
Keeping your portions reasonable will help you get more in touch with your feelings of hunger and fullness.
Best Diet Tip No. 4: Be choosy about nighttime snacks.
Mindless eating occurs most frequently after dinner, when you finally sit down and relax.
"Sitting down with a bag of chips or cookies in front of the television is an example of eating amnesia, where you mindlessly eat without being hungry, but out of habit," says American Dietetic Association spokesperson Malena Perdomo, RD.
Either close down the kitchen after a certain hour, or allow yourself a low-calorie snack, like a 100-calorie pack of cookies or a half-cup scoop of low-fat ice cream. Once you find that you're usually satisfied with the low-cal snack, try a cup of zero-calorie tea, suggests Perdomo.
Best Diet Tip No. 5: Enjoy your favorite foods.
"I think putting your favorite foods off limits leads to weight gain because it triggers 'rebound' overeating," says Sass.
Instead of cutting out your favorite foods altogether, be a slim shopper. Buy one fresh bakery cookie instead of a box, or a small portion of candy from the bulk bins instead of a whole bag.
"You can enjoy your favorite foods, but you must do so in moderation," says Sass.
Best Diet Tip No. 6: Enjoy your treats away from home.
When you need a treat, Ellie Krieger, RD, host of Food Network's Healthy Appetite, suggests taking a walk to your local ice cream parlor or planning a family outing.
"By making it into an adventure, you don't have to worry about the temptation of having treats in the house, and it is a fun and pleasurable way to make it work when you are trying to lose weight," says Krieger.
And for those times you just can't get out? Krieger stocks her kitchen with fresh fruit, which she thinks can be every bit as delicious as any other dessert.
Best Diet Tip No. 7: Eat several mini-meals during the day.
If you eat fewer calories than you burn, you will lose weight. But when you're hungry all the time, eating fewer calories can be challenging.
"Studies show people who eat 4-5 meals or snacks per day are better able to control their appetite and weight," says obesity researcher Rebecca Reeves, DrPH, RD.
She recommends dividing your daily calories into smaller meals or snacks and enjoying as many of them as you can early in the day -- dinner should be the last time you eat.
Best Diet Tip No. 8: Eat protein at every meal.
Protein is more satisfying than carbohydrates or fats, and thus may be the new secret weapon in weight control.
" Diets higher in protein [and] moderate in carbs, along with a lifestyle of regular exercise, have an excellent potential to help weight loss," says University of Illinois protein researcher Donald Layman, PhD.
Getting enough protein helps preserve muscle mass and encourages fat burning while keeping you feeling full. So be sure to include healthy protein sources, like yogurt, cheese, nuts, or beans, at meals and snacks.
Best Diet Tip No. 9: Spice it up.
Add spices or chiles to your food for a flavor boost that can help you feel satisfied.
"Food that is loaded with flavor will stimulate your taste buds and be more satisfying so you won't eat as much," says Perdomo.
When you need something sweet, suck on a red-hot fireball candy for a long-lasting burst of sweetness with just a few calories.
Best Diet Tip No. 10: Stock your kitchen with healthy convenience foods.
Having ready-to-eat snacks and meals-in-minutes staples on hand sets you up for success. You'll be less likely to hit the drive-through or call in a pizza order if you can make a healthy meal in 5 or 10 minutes.
Sass stocks her kitchen with:
• 94% fat-free microwave popcorn (20-25 calories per cup, and you can make it in two minutes or less)
• Frozen vegetables
• Bags of pre-washed greens
• Canned diced tomatoes
• Canned beans
• Whole-grain wraps or pitas
• Pre-cooked grilled chicken breasts
• A few containers of pre-cooked brown rice
Within minutes, she can toss together a healthy medley.
Best Diet Tip No. 11: Order children’s portions at restaurants.
"When you are eating out, order a child's pizza or a small sandwich as an easy way to trim calories and get your portions under control," suggest Perdomo.
Another trick is to use smaller plates. This helps the portions look like more, and if your mind is satisfied, your stomach likely will be, too.
Best Diet Tip No. 12: Eat foods in season.
"If you don't love certain fruits or vegetables, it could be because you ate them out of season when they have little taste or flavor," says Pensiero. "When you eat seasonally, fruits and vegetables are more flavorful, at their best, and I promise you won't be disappointed."
At GiGi's Trattoria, her restaurant in Rhinebeck, N.Y., she serves simple fruit desserts, like naturally sweet strawberries topped with aged balsamic vinegar, or low-fat yogurt or fresh berries in a compote.
Best Diet Tip No. 13: Swap a cup of pasta for a cup of vegetables.
Simply by eating less pasta or bread and more veggies, you could lose a dress or pants size in a year.
"You can save from 100-200 calories if you reduce the portion of starch on your plate and increase the amount of vegetables," says Sass.
Best Diet Tip No. 14: Use non-food alternatives to cope with stress.
Sooner or later, you're going to be faced with a stressful situation. Instead of turning to food for comfort, be prepared with some non-food tactics that work for you.
Sass suggests reading a few chapters in a novel, listening to music, writing in a journal, practicing meditative deep breathing, or looking at a photo album of loved ones.
Best Diet Tip No. 15: Be physically active.
Although it may seem counterintuitive, don't use exercise either to punish yourself for eating or to "earn" the right to eat more.
"When you do, it sets up a negative thought pattern, which is why so many people say they hate to exercise," says May.
Instead, focus on how great you feel, how much better you sleep and how much more energy you have when you exercise. Physical activity is good for you whether you are trying to lose weight or not, so keep it positive and build a lifelong habit
Sunday, November 29, 2009
No fat stay healthy
There is no doubt that staying healthy is byitself an insurance policy for you. Many people think that being fat is because that you eat too much but this is not true . Here you will learn the secrets of this matter . Don't panic and read throug please.
Saturday, November 28, 2009
Bin Laden and the insurance
No doubt that since the war between U.S.A and Bin Laden the Insurance world did a big jumb to heaven . All sort of Insurance jumbed twice or more to insure the safty of every thing . Here is an article with more details over the situation between Bin Laden and U.S.A.
By CALVIN WOODWARD, Associated Press Writer Calvin Woodward, Associated Press Writer – 2 hrs 43 mins ago
WASHINGTON – Osama bin Laden was unquestionably within reach of U.S. troops in the mountains of Tora Bora when American military leaders made the crucial and costly decision not to pursue the terrorist leader with massive force, a Senate report says.
The report asserts that the failure to kill or capture bin Laden at his most vulnerable in December 2001 has had lasting consequences beyond the fate of one man. Bin Laden's escape laid the foundation for today's reinvigorated Afghan insurgency and inflamed the internal strife now endangering Pakistan, it says.
Staff members for the Senate Foreign Relations Committee's Democratic majority prepared the report at the request of the chairman, Sen. John Kerry, as President Barack Obama prepares to boost U.S. troops in Afghanistan.
The Massachusetts senator and 2004 Democratic presidential candidate has long argued the Bush administration missed a chance to get the al-Qaida leader and top deputies when they were holed up in the forbidding mountainous area of eastern Afghanistan only three months after the Sept. 11, 2001, terrorist attacks.
Although limited to a review of military operations eight years old, the report could also be read as a cautionary note for those resisting an increased troop presence there now.
More pointedly, it seeks to affix a measure of blame for the state of the war today on military leaders under former president George W. Bush, specifically Donald H. Rumsfeld as defense secretary and his top military commander, Tommy Franks.
"Removing the al-Qaida leader from the battlefield eight years ago would not have eliminated the worldwide extremist threat," the report says. "But the decisions that opened the door for his escape to Pakistan allowed bin Laden to emerge as a potent symbolic figure who continues to attract a steady flow of money and inspire fanatics worldwide. The failure to finish the job represents a lost opportunity that forever altered the course of the conflict in Afghanistan and the future of international terrorism."
The report states categorically that bin Laden was hiding in Tora Bora when the U.S. had the means to mount a rapid assault with several thousand troops at least. It says that a review of existing literature, unclassified government records and interviews with central participants "removes any lingering doubts and makes it clear that Osama bin Laden was within our grasp at Tora Bora."
On or about Dec. 16, 2001, bin Laden and bodyguards "walked unmolested out of Tora Bora and disappeared into Pakistan's unregulated tribal area," where he is still believed to be based, the report says.
Instead of a massive attack, fewer than 100 U.S. commandos, working with Afghan militias, tried to capitalize on air strikes and track down their prey.
"The vast array of American military power, from sniper teams to the most mobile divisions of the Marine Corps and the Army, was kept on the sidelines," the report said.
At the time, Rumsfeld expressed concern that a large U.S. troop presence might fuel a backlash and he and some others said the evidence was not conclusive about bin Laden's location.
Tuesday, November 24, 2009
Obama's Insurance project
By Alex Johnson
Reporter
msnbc.com
updated 11:04 p.m. ET Sept. 9, 2009
Declaring that he is determined to be the last president confronted with reshaping health care in America, President Barack Obama proposed a 10-year, $900 billion plan Wednesday night to overhaul a system that he said had left the country at “a breaking point.”
In a prime-time address to a joint session of Congress, Obama laid out the specifics of his proposal to change the way Americans’ medical care is paid for, responding to critics who have complained that he has not set forth precisely what he thinks the new program should be.
Obama outlined what he called the favored proposals of extremes on both sides of the health care debate: a single-payer system like Canada’s, in which the government provides coverage for everyone, and a dismantling of the employer-based system, leaving individuals to buy insurance on their own.
The president rejected both options, saying they would represent “a radical shift that would disrupt the health care most people currently have” — something that he said could not be allowed to happen. Instead, he charted a middle course on the most contentious issue of the entire debate — whether the government should directly pay for some Americans’ health insurance beyond the current Medicare and Medicaid programs.
While Obama strongly endorsed what has come to be known as the “public option,” he offered it as only a small component of a larger “insurance exchange” in which individual Americans and small businesses could pool their negotiating power to wrest better coverage and lower rates from private insurance companies.
“It would only be an option for those who don’t have insurance,” Obama said. “No one would be forced to choose it, and it would not impact those of you who already have insurance.”
And even then, he said that he would be open to alternatives as long as they accomplished the “ultimate goal” — ensuring coverage for uninsured Americans and promising “security and stability” for those who already have coverage.
That was not sufficient for Rep. Charles Boustany, R-La., who delivered the official Republican response.
“The president had a chance tonight to take government-run health care off the table. Unfortunately, he didn’t do it,” said Boustany, a cardiothoracic surgeon.
Obama: ‘Time for games has passed’
Obama’s address came against the background of harsh back and forth between proponents of competing health care proposals.
The president went out of his way to denounce the “scare tactics” of his opponents, which have included false claims that the government would convene panels to decide whether ill, elderly Americans should be forced to die.
Reporter
msnbc.com
updated 11:04 p.m. ET Sept. 9, 2009
Declaring that he is determined to be the last president confronted with reshaping health care in America, President Barack Obama proposed a 10-year, $900 billion plan Wednesday night to overhaul a system that he said had left the country at “a breaking point.”
In a prime-time address to a joint session of Congress, Obama laid out the specifics of his proposal to change the way Americans’ medical care is paid for, responding to critics who have complained that he has not set forth precisely what he thinks the new program should be.
Obama outlined what he called the favored proposals of extremes on both sides of the health care debate: a single-payer system like Canada’s, in which the government provides coverage for everyone, and a dismantling of the employer-based system, leaving individuals to buy insurance on their own.
The president rejected both options, saying they would represent “a radical shift that would disrupt the health care most people currently have” — something that he said could not be allowed to happen. Instead, he charted a middle course on the most contentious issue of the entire debate — whether the government should directly pay for some Americans’ health insurance beyond the current Medicare and Medicaid programs.
While Obama strongly endorsed what has come to be known as the “public option,” he offered it as only a small component of a larger “insurance exchange” in which individual Americans and small businesses could pool their negotiating power to wrest better coverage and lower rates from private insurance companies.
“It would only be an option for those who don’t have insurance,” Obama said. “No one would be forced to choose it, and it would not impact those of you who already have insurance.”
And even then, he said that he would be open to alternatives as long as they accomplished the “ultimate goal” — ensuring coverage for uninsured Americans and promising “security and stability” for those who already have coverage.
That was not sufficient for Rep. Charles Boustany, R-La., who delivered the official Republican response.
“The president had a chance tonight to take government-run health care off the table. Unfortunately, he didn’t do it,” said Boustany, a cardiothoracic surgeon.
Obama: ‘Time for games has passed’
Obama’s address came against the background of harsh back and forth between proponents of competing health care proposals.
The president went out of his way to denounce the “scare tactics” of his opponents, which have included false claims that the government would convene panels to decide whether ill, elderly Americans should be forced to die.
Friday, November 6, 2009
OBAMACARE Health Care
There is a big discution over OBAMACARE Health Care Reform see in this video what is it actually?
Wednesday, November 4, 2009
House Democrats set stage for health care vote
WASHINGTON - In a coup for House Democrats, AARP will endorse sweeping health care overhaul legislation headed for a history-making floor vote, officials told The Associated Press on Wednesday.
An endorsement from the seniors' lobby was critical when then-President George W. Bush pushed the Medicare prescription drug benefit through a closely divided Congress in 2003. House Democratic leaders are hoping it will work the same political magic for them as they strive to deliver on President Barack Obama's signature issue.
An announcement from the 40-million member group is expected Thursday, said officials with knowledge of the group's decision. They spoke on condition of anonymity because the endorsement is not official yet. Backing the 10-year, $1.2 trillion House bill is a tricky move for AARP. Many retirees are concerned about cuts in Medicare payments to medical providers, which will be used to finance an expansion of health insurance coverage to millions of working families who now lack it.
An endorsement from the seniors' lobby was critical when then-President George W. Bush pushed the Medicare prescription drug benefit through a closely divided Congress in 2003. House Democratic leaders are hoping it will work the same political magic for them as they strive to deliver on President Barack Obama's signature issue.
An announcement from the 40-million member group is expected Thursday, said officials with knowledge of the group's decision. They spoke on condition of anonymity because the endorsement is not official yet. Backing the 10-year, $1.2 trillion House bill is a tricky move for AARP. Many retirees are concerned about cuts in Medicare payments to medical providers, which will be used to finance an expansion of health insurance coverage to millions of working families who now lack it.
Vehicle insurance
If your car is used for anything but personal use, then you will probably need to extend your personal auto policy to cover business use of your vehicle.
Don't think just because you were unaware of your coverages this will get your accident paid for--your insurance policy is a contract that you agreed to adhere to.
If you don't understand all the coverages in your contract you need to contact your agent .
Don't think just because you were unaware of your coverages this will get your accident paid for--your insurance policy is a contract that you agreed to adhere to.
If you don't understand all the coverages in your contract you need to contact your agent .
Credit insurance
Credit insurance repays some or all of a loan when certain things happen to the borrower such as unemployment, disability, or [[death],and or what].
Mortgage insurance insures the lender against default by the borrower. Mortgage insurance is a form of credit insurance, although the name credit insurance more often is used to refer to policies that cover other kinds of debt.
Many credit cards offer payment protection plans which are a form of credit insurance.
Mortgage insurance insures the lender against default by the borrower. Mortgage insurance is a form of credit insurance, although the name credit insurance more often is used to refer to policies that cover other kinds of debt.
Many credit cards offer payment protection plans which are a form of credit insurance.
Liability insurance
Liability insurance is a very broad superset that covers legal claims against the insured. Many types of insurance include an aspect of liability coverage. For example, a homeowner's insurance policy will normally include liability coverage which protects the insured in the event of a claim brought by someone who slips and falls on the property; automobile insurance also includes an aspect of liability insurance that indemnifies against the harm that a crashing car can cause to others' lives, health, or property. The protection offered by a liability insurance policy is twofold: a legal defense in the event of a lawsuit commenced against the policyholder and indemnification (payment on behalf of the insured) with respect to a settlement or court verdict. Liability policies typically cover only the negligence of the insured, and will not apply to results of wilful or intentional acts by the insured.
Public liability insurance covers a business against claims should its operations injure a member of the public or damage their property in some way.
Directors and officers liability insurance protects an organization (usually a corporation) from costs associated with litigation resulting from mistakes made by directors and officers for which they are liable. In the industry, it is usually called "D&O" for short.
Environmental liability insurance protects the insured from bodily injury, property damage and cleanup costs as a result of the dispersal, release or escape of pollutants.
Errors and omissions insurance: See "Professional liability insurance" under "Liability insurance".
Prize indemnity insurance protects the insured from giving away a large prize at a specific event. Examples would include offering prizes to contestants who can make a half-court shot at a basketball game, or a hole-in-one at a golf tournament.
Professional liability insurance, also called professional indemnity insurance, protects insured professionals such as architectural corporation and medical practice against potential negligence claims made by their patients/clients. Professional liability insurance may take on different names depending on the profession. For example, professional liability insurance in reference to the medical profession may be called malpractice insurance. Notaries public may take out errors and omissions insurance (E&O). Other potential E&O policyholders include, for example, real estate brokers, Insurance agents, home inspectors, appraisers, and website developers.
Public liability insurance covers a business against claims should its operations injure a member of the public or damage their property in some way.
Directors and officers liability insurance protects an organization (usually a corporation) from costs associated with litigation resulting from mistakes made by directors and officers for which they are liable. In the industry, it is usually called "D&O" for short.
Environmental liability insurance protects the insured from bodily injury, property damage and cleanup costs as a result of the dispersal, release or escape of pollutants.
Errors and omissions insurance: See "Professional liability insurance" under "Liability insurance".
Prize indemnity insurance protects the insured from giving away a large prize at a specific event. Examples would include offering prizes to contestants who can make a half-court shot at a basketball game, or a hole-in-one at a golf tournament.
Professional liability insurance, also called professional indemnity insurance, protects insured professionals such as architectural corporation and medical practice against potential negligence claims made by their patients/clients. Professional liability insurance may take on different names depending on the profession. For example, professional liability insurance in reference to the medical profession may be called malpractice insurance. Notaries public may take out errors and omissions insurance (E&O). Other potential E&O policyholders include, for example, real estate brokers, Insurance agents, home inspectors, appraisers, and website developers.
Property insurance
Property insurance provides protection against risks to property, such as fire, theft or weather damage. This includes specialized forms of insurance such as fire insurance, flood insurance, earthquake insurance, home insurance, inland marine insurance or boiler insurance.
Automobile insurance, known in the UK as motor insurance, is probably the most common form of insurance and may cover both legal liability claims against the driver and loss of or damage to the insured's vehicle itself. Throughout the United States an auto insurance policy is required to legally operate a motor vehicle on public roads. In some jurisdictions, bodily injury compensation for automobile accident victims has been changed to a no-fault system, which reduces or eliminates the ability to sue for compensation but provides automatic eligibility for benefits. Credit card companies insure against damage on rented cars.
Driving School Insurance insurance provides cover for any authorized driver whilst undergoing tuition, cover also unlike other motor policies provides cover for instructor liability where both the pupil and driving instructor are equally liable in the event of a claim.
Aviation insurance insures against hull, spares, deductibles, hull wear and liability risks.
Boiler insurance (also known as boiler and machinery insurance or equipment breakdown insurance) insures against accidental physical damage to equipment or machinery.
Builder's risk insurance insures against the risk of physical loss or damage to property during construction. Builder's risk insurance is typically written on an "all risk" basis covering damage due to any cause (including the negligence of the insured) not otherwise expressly excluded. Builder's risk insurance is coverage that protects a person's or organization's insurable interest in materials, fixtures and/or equipment being used in the construction or renovation of a building or structure should those items sustain physical loss or damage from a covered cause.
Automobile insurance, known in the UK as motor insurance, is probably the most common form of insurance and may cover both legal liability claims against the driver and loss of or damage to the insured's vehicle itself. Throughout the United States an auto insurance policy is required to legally operate a motor vehicle on public roads. In some jurisdictions, bodily injury compensation for automobile accident victims has been changed to a no-fault system, which reduces or eliminates the ability to sue for compensation but provides automatic eligibility for benefits. Credit card companies insure against damage on rented cars.
Driving School Insurance insurance provides cover for any authorized driver whilst undergoing tuition, cover also unlike other motor policies provides cover for instructor liability where both the pupil and driving instructor are equally liable in the event of a claim.
Aviation insurance insures against hull, spares, deductibles, hull wear and liability risks.
Boiler insurance (also known as boiler and machinery insurance or equipment breakdown insurance) insures against accidental physical damage to equipment or machinery.
Builder's risk insurance insures against the risk of physical loss or damage to property during construction. Builder's risk insurance is typically written on an "all risk" basis covering damage due to any cause (including the negligence of the insured) not otherwise expressly excluded. Builder's risk insurance is coverage that protects a person's or organization's insurable interest in materials, fixtures and/or equipment being used in the construction or renovation of a building or structure should those items sustain physical loss or damage from a covered cause.
Crop insurance "Farmers use crop insurance to reduce or manage various risks associated with growing crops. Such risks include crop loss or damage caused by weather, hail, drought, frost damage, insects, or disease, for instance
Earthquake insurance is a form of property insurance that pays the policyholder in the event of an earthquake that causes damage to the property. Most ordinary homeowners insurance policies do not cover earthquake damage. Most earthquake insurance policies feature a high deductible. Rates depend on location and the probability of an earthquake, as well as the construction of the home.
A fidelity bond is a form of casualty insurance that covers policyholders for losses that they incur as a result of fraudulent acts by specified individuals. It usually insures a business for losses caused by the dishonest acts of its employees.
Flood insurance protects against property loss due to flooding. Many insurers in the U.S. do not provide flood insurance in some portions of the country. In response to this, the federal government created the National Flood Insurance Program which serves as the insurer of last resort.
Home insurance or homeowners' insurance: See "Property insurance".
Landlord insurance is specifically designed for people who own properties which they rent out. Most house insurance cover in the U.K will not be valid if the property is rented out therefore landlords must take out this specialist form of home insurance.
Marine insurance and marine cargo insurance cover the loss or damage of ships at sea or on inland waterways, and of the cargo that may be on them. When the owner of the cargo and the carrier are separate corporations, marine cargo insurance typically compensates the owner of cargo for losses sustained from fire, shipwreck, etc., but excludes losses that can be recovered from the carrier or the carrier's insurance. Many marine insurance underwriters will include "time element" coverage in such policies, which extends the indemnity to cover loss of profit and other business expenses attributable to the delay caused by a covered loss.
Surety bond insurance is a three party insurance guaranteeing the performance of the principal.
Terrorism insurance provides protection against any loss or damage caused by terrorist activities.
Volcano insurance is an insurance that covers volcano damage in Hawaii.
Windstorm insurance is an insurance covering the damage that can be caused by hurricanes and tropical cyclones.
Life insurance
Life insurance provides a monetary benefit to a decedent's family or other designated beneficiary, and may specifically provide for income to an insured person's family, burial, funeral and other final expenses. Life insurance policies often allow the option of having the proceeds paid to the beneficiary either in a lump sum cash payment or an annuity.
Annuities provide a stream of payments and are generally classified as insurance because they are issued by insurance companies and regulated as insurance and require the same kinds of actuarial and investment management expertise that life insurance requires. Annuities and pensions that pay a benefit for life are sometimes regarded as insurance against the possibility that a retiree will outlive his or her financial resources. In that sense, they are the complement of life insurance and, from an underwriting perspective, are the mirror image of life insurance.
Certain life insurance contracts accumulate cash values, which may be taken by the insured if the policy is surrendered or which may be borrowed against. Some policies, such as annuities and endowment policies, are financial instruments to accumulate or liquidate wealth when it is needed.
In many countries, such as the U.S. and the UK, the tax law provides that the interest on this cash value is not taxable under certain circumstances. This leads to widespread use of life insurance as a tax-efficient method of saving as well as protection in the event of early death.
In U.S., the tax on interest income on life insurance policies and annuities is generally deferred. However, in some cases the benefit derived from tax deferral may be offset by a low return. This depends upon the insuring company, the type of policy and other variables (mortality, market return, etc.). Moreover, other income tax saving vehicles (e.g., IRAs, 401(k) plans, Roth IRAs) may be better alternatives for value accumulation
Annuities provide a stream of payments and are generally classified as insurance because they are issued by insurance companies and regulated as insurance and require the same kinds of actuarial and investment management expertise that life insurance requires. Annuities and pensions that pay a benefit for life are sometimes regarded as insurance against the possibility that a retiree will outlive his or her financial resources. In that sense, they are the complement of life insurance and, from an underwriting perspective, are the mirror image of life insurance.
Certain life insurance contracts accumulate cash values, which may be taken by the insured if the policy is surrendered or which may be borrowed against. Some policies, such as annuities and endowment policies, are financial instruments to accumulate or liquidate wealth when it is needed.
In many countries, such as the U.S. and the UK, the tax law provides that the interest on this cash value is not taxable under certain circumstances. This leads to widespread use of life insurance as a tax-efficient method of saving as well as protection in the event of early death.
In U.S., the tax on interest income on life insurance policies and annuities is generally deferred. However, in some cases the benefit derived from tax deferral may be offset by a low return. This depends upon the insuring company, the type of policy and other variables (mortality, market return, etc.). Moreover, other income tax saving vehicles (e.g., IRAs, 401(k) plans, Roth IRAs) may be better alternatives for value accumulation
Casualty
Casualty insurance insures against accidents, not necessarily tied to any specific property.
Crime insurance is a form of casualty insurance that covers the policyholder against losses arising from the criminal acts of third parties. For example, a company can obtain crime insurance to cover losses arising from theft or embezzlement.
Political risk insurance is a form of casualty insurance that can be taken out by businesses with operations in countries in which there is a risk that revolution or other political conditions will result in a loss.
Accident, Sickness and Unemployment Insurance
Disability insurance policies provide financial support in the event the policyholder is unable to work because of disabling illness or injury. It provides monthly support to help pay such obligations as mortgages and credit cards.
Disability overhead insurance allows business owners to cover the overhead expenses of their business while they are unable to work.
Total permanent disability insurance provides benefits when a person is permanently disabled and can no longer work in their profession, often taken as an adjunct to life insurance.
Workers' compensation insurance replaces all or part of a worker's wages lost and accompanying medical expenses incurred because of a job-related injury
Disability overhead insurance allows business owners to cover the overhead expenses of their business while they are unable to work.
Total permanent disability insurance provides benefits when a person is permanently disabled and can no longer work in their profession, often taken as an adjunct to life insurance.
Workers' compensation insurance replaces all or part of a worker's wages lost and accompanying medical expenses incurred because of a job-related injury
Health
Health insurance policies by the National Health Service in the United Kingdom (NHS) or other publicly-funded health programs will cover the cost of medical treatments. Dental insurance, like medical insurance, is coverage for individuals to protect them against dental costs. In the U.S., dental insurance is often part of an employer's benefits package, along with health insurance
Home insurance
Home insurance provides compensation for damage or destruction of a home from disasters. In some geographical areas, the standard insurances excludes certain types of disasters, such as flood and earthquakes, that require additional coverage. Maintenance-related problems are the homeowners' responsibility. The policy may include inventory, or this can be bought as a separate policy, especially for people who rent housing. In some countries, insurers offer a package which may include liability and legal responsibility for injuries and property damage caused by members of the household, including pets
Types of insurance
All risks which can be quantified can potentially be insured. Specific kinds of risk that may give rise to claims are known as "perils". An insurance policy will set out in detail which perils are covered by the policy and which are not.
Below are lists of the many different types of insurance that exist. A single policy may cover risks in one or more of the types set out below.
For example,
Vehicle insurance would cover both property risk, theft or damage to the car and liability risk (covering legal claims from causing an accident against someone).
A homeowner's insurance policy in the U.S. typically includes property insurance covering home damage and the owner's belongings, liability insurance covering certain legal claims against the owner, and even a small amount of coverage for medical expenses of guests who are injured on the owner's property.
Auto insurance
Auto insurance protects you against financial loss if you have an accident. It is a contract between you and the insurance company. You agree to pay the premium and the insurance company agrees to pay your losses as defined in your policy.
Auto insurance provides property, liability and medical coverage:
Property coverage pays for damage to or theft of your car.
Property coverage pays for damage to or theft of your car.
Liability coverage pays for your legal responsibility to others for bodily injury or property damage.
Medical coverage pays for the cost of treating injuries, rehabilitation and sometimes lost wages and funeral expenses.
An auto insurance policy comprises six kinds of coverage. Most countries require you to buy some, but not all, of these coverages. If you're financing a car, your lender may also have requirements. Most auto policies are for six months to a year.
In the United States, your insurance company should notify you by mail when it’s time to renew the policy and to pay your premium
Tuesday, November 3, 2009
Insurance options
The statistics are startling when it comes to the amount of uninsured Americans. So what do you do if you don't have a job and can't get affordable health insurance - either individually or for your family? Or if you have a job but still cannot afford the health insurance offered by an employer? There are options for finding more affordable health insurance.
There are low cost health insurance options out there that, in fact, many Americans have already implemented and are beating the rising battle against being uninsured
COBRA :
One can find an affordable health insurance with the Consolidated Omnibus Budget Reconciliation Act (COBRA).
In case of unemploymnt you may be eligible to continue your previous employers' health insurance through COBRA.
The children going off to college can continue on their parent's insurance coverage through COBRA.
This is an excelent choice for people who lost their jobs and are still undergoing medical treatments. Beware : In this case this will not be an affordable health insurance option. The premiums will be much higher. It is best to gather all your available health insurance options first and then pick the best health insurance plan for you.
There are low cost health insurance options out there that, in fact, many Americans have already implemented and are beating the rising battle against being uninsured
COBRA :
One can find an affordable health insurance with the Consolidated Omnibus Budget Reconciliation Act (COBRA).
In case of unemploymnt you may be eligible to continue your previous employers' health insurance through COBRA.
The children going off to college can continue on their parent's insurance coverage through COBRA.
This is an excelent choice for people who lost their jobs and are still undergoing medical treatments. Beware : In this case this will not be an affordable health insurance option. The premiums will be much higher. It is best to gather all your available health insurance options first and then pick the best health insurance plan for you.
Sunday, November 1, 2009
Health insurance is a must
People who decided not to buy health insurance eventually affect the lives of every American.
Regardless of the reasons, having so many uninsured individuals drives up the cost of goods when people get sick and cannot do their job.
Also when many people in a company choose not to purchase health insurance, it sends a message to the employer that health insurance may not be an important benefit which in-turn could cost other workers a loss of their health insurance benefit.
In addtion when healthy people choose not to be a part of their company's health insurance pool, it raises the costs for everyone else because the risk is spread through less people.
And, when people make such low wages that they cannot afford health insurance, the number of people eligible for Medicaid rises (which is paid by your tax dollars!).
For these reasons, many have encouraged the government to switch to a Universal Health Care System where the government would help manage health care.
Regardless of the reasons, having so many uninsured individuals drives up the cost of goods when people get sick and cannot do their job.
Also when many people in a company choose not to purchase health insurance, it sends a message to the employer that health insurance may not be an important benefit which in-turn could cost other workers a loss of their health insurance benefit.
In addtion when healthy people choose not to be a part of their company's health insurance pool, it raises the costs for everyone else because the risk is spread through less people.
And, when people make such low wages that they cannot afford health insurance, the number of people eligible for Medicaid rises (which is paid by your tax dollars!).
For these reasons, many have encouraged the government to switch to a Universal Health Care System where the government would help manage health care.
unmbrella insurance
With the common occurrence of lawsuits, umbrella insurance for every home, auto, and watercraft owner is a must.
Umbrella insurance is make to give one extra liability protection above and beyond the limits on homeowners, auto, and watercraft personal insurance policies.
With an umbrella policy, depending on the insurance company, one can add an additional 1-5 million in liability protection.
Umbrella insurance is make to give one extra liability protection above and beyond the limits on homeowners, auto, and watercraft personal insurance policies.
With an umbrella policy, depending on the insurance company, one can add an additional 1-5 million in liability protection.
You must not count on Medicare or Medicare Supplemental Insurance to pick up the bill.
If you can qualify, Medicaid may pay up to half of the cost. Choosing long term care insurance can help you pay for the costs of a nursing facility or home care if the need arises.
Also, do you really want your family to have to pick up the bill if you acquire a long term illness or disability? Long Term Care Insurance is a great option and if started early in life the premiums can be very reasonable.
If you can qualify, Medicaid may pay up to half of the cost. Choosing long term care insurance can help you pay for the costs of a nursing facility or home care if the need arises.
Also, do you really want your family to have to pick up the bill if you acquire a long term illness or disability? Long Term Care Insurance is a great option and if started early in life the premiums can be very reasonable.
You must not count on Medicare or Medicare Supplemental Insurance to pick up the bill.
If you can qualify, Medicaid may pay up to half of the cost. Choosing long term care insurance can help you pay for the costs of a nursing facility or home care if the need arises.
Also, do you really want your family to have to pick up the bill if you acquire a long term illness or disability? Long Term Care Insurance is a great option and if started early in life the premiums can be very reasonable.
If you can qualify, Medicaid may pay up to half of the cost. Choosing long term care insurance can help you pay for the costs of a nursing facility or home care if the need arises.
Also, do you really want your family to have to pick up the bill if you acquire a long term illness or disability? Long Term Care Insurance is a great option and if started early in life the premiums can be very reasonable.
Disability insurance
If you become disabled don't count on Social Security to take care of all your needs .
If you are able to get Social Security for your disability
Then you will still have to wait months before you receive benefits and your disability needs to be long-term to qualify.
And even if you qualify for benefits, will it match your current salary? Probably not.
If you are able to get Social Security for your disability
Then you will still have to wait months before you receive benefits and your disability needs to be long-term to qualify.
And even if you qualify for benefits, will it match your current salary? Probably not.
Flood insurance
The people who live in a National Flood Insurance Program area is eligible and can buy flood insurance.
These areas are not always prone to floods so even if you think your area is low risk you may be eligible.
Check with your insurance agent to learn more about this matter.
These areas are not always prone to floods so even if you think your area is low risk you may be eligible.
Check with your insurance agent to learn more about this matter.
The need of Insurance
Insurance is needed as a protection against catastrophic disasters.
As a rule if you can pay for the loss or damage without a financial hardship then pay it, otherwise expect your insurance premium to eventually show an increase.
Also, buying every type of insurance just isn't necessary. Sometimes the risk is worth taking rather than paying a premium
My advise is don't buy insurance policy which you don't need
Wednesday, February 11, 2009
Life insurance
If you are Alive, Insurance is a must! Life insurance is designed to help one's dependants after death.
If you have no dependants, then you might not need life insurance.
Dependents includes a wife, children and retired persons... usually they don't have people that depend on their income so life insurance for these groups can, in rare instances, be beneficial but is usually unnecessary
If you have no dependants, then you might not need life insurance.
Dependents includes a wife, children and retired persons... usually they don't have people that depend on their income so life insurance for these groups can, in rare instances, be beneficial but is usually unnecessary
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