How to insure your vehicle

Choosing an insurance company to protect the vehicle's pet is not a simple thing. In the midst of competitive insurance service providers, a variety of lure for consumers even perched on your ear. Starting from a low premium, a wide scope of coverage, vehicle replacement, warranty work shop, and others.

So, how consumers can clearly distinguish which car insurance to choose the most appropriate? Memorable because, once we are closing with a car insurance company, then at least, within one year ahead, you will be "bound", or a loss.

Let's look at some tips below:

1. Make sure the insurance company motor vehicles & car has a good financial skills (usually can be seen from the risk capital base / RBC). This is for you to believe that when there is a claim the company can pay for it.

2. See if the motor vehicle insurance company has complete assurance that you need, such as comprehensive, TLO, third party liability, personal accident, riot, flood, or earthquake. Ask for a detailed explanation about the various types of insurance offered by the government. Then select the type of insurance that is offered to suit your needs.

3. See if there are other additional benefits (usually called features) of the insurance. There are companies that can provide more benefits, such as providing free vehicle registration renewal services.

4. Do not forget to allocate funds each year for motor vehicle insurance. Choose the appropriate package and the needs of your financial ability, or in other words, you can find companies that are complete enough to provide a product package options.

5. See accessibility and service companies. Make sure the insurance company motor vehicles & car selected for opening convenience later on, when you should contact for the purposes of insurance claims or extension.

6. Select an insurance company that his ministry did not convoluted and facilitate the policyholder. This includes service as a claim that includes the survey process, the availability of the workshop, and the quality of the workshop.

Choosing Car Insurance

Maybe we are confused choosing car insurance. Not to mention that the vehicle was taken to the workshop modifications. A growing number of car insurance products on offer. Therefore, the principle carefully before buying, should be applied, so no regrets in the future. Before deciding to choose one of several car insurance products offered:

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

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

3. Many insurance companies are credible and bona fide, though without the support of re-insurance companies. But there was no harm in finding out track record.

Now, if only to learn automotive / automotive world knows, hopefully useful. And for those who are proficient may also be useful!

Target orientation had no concept of Very missed period; Note To Officers Insurance.

Apparently there are many marketing or sales level was well below that of the old culture trapped in the pursuit of target marketing. He had in mind was merely the sales target. So we see the proof now how many companies that still looks great (because they are good at making the company brand image), but very sad inside.

In my observation they rarely have the guts to properly educate the market, because that is the target pursued short-term satisfaction with the target company without going to care about customer satisfaction. Time that should be used to educate the market very often misused to pursue the target. As a result the market gradually experiencing burnout because they feel "loved".

It is time we leave away the old paradigm of how to sell, any product, whether insurance or other products. Create market "automatically"! how?

This way is not really a special way, but instead we use the old pattern is much better to achieve long-term targets:

1. Provide education to the market well and correctly, tell me what we sell all honesty is not merely to seduce because we need to cover our target. If we do AUTOMATIC them more love us and told other prospective buyers to purchase products that we offer. AUTOMATIC is the prospect of indirect progress will enjoy the future of our Auto.

2. Listen buyers always laments and continuously do internal reform. If we do AUTOMATIC buyers will feel safe buying our products, they will not worry about buying a product with us and this will create the AUTOMATIC strong reference from the buyer, yes is a hidden market that will run in AUTOMATIC.
3. Do not feel educate but do not educate the market. Reality of Education markets we can only see the survey in the market, do not close their eyes when we know that the market is still very blind to our products and do not believe in our products, please do not use our belief that the market understands and fine. Down spaciousness is a real solution to see what happens and do better. If we do AUTOMATIC market will understand that we are on the side of them, this will create the AUTOMATIC impression is our success for the long term.

4. Provide convenience to customers, both in terms of obtain product information, complaints procedures or claim procedures (in insurance), an easy way to contact us as the seller, payment procedures and so forth. If we do AUTOMATIC make a suggestion to the buyers that we are professionals, Automatic born from these suggestions also references our very lucrative long-term.

That is 4 of the many ways of creating "Auto Market"

With the creation of " market Auto" is of course not be denied this would be easier to build whatever we want. High Target? Kanvasing method? going green all the easier if we've succeeded in creating "market AUTO" is

Finally, sit down and write the concept of selling on the table and say to yourself that we are a good seller. Then run what we have and start selling concept. Do not ever sell without the concept.

TRIANGLE OF LIFE WHEN THE EARTHQUAKE

By. Doug Copp, Rescue Chief and Disaster Manager of the American Rescue Team International (ARTI)

Experience

I have crawled inside 875 collapsed buildings, worked with rescue teams from 60 countries, and founded rescue teams in several countries and one UN expert for Disaster Mitigation for 2 years.
I've worked at every major disaster in the world since 1985.
In 1996 we made a film that proved the accuracy of survival methods that I created.


Trial

We tear down a school and a house with 20 dolls in it. 10 doll "duck and cover" and the other 10 using survival methods "triangle of life".
After the simulated earthquake, we crawled into the rubble and entered the building to make a movie about dukumentasi results. The film shows that those who did not duck and cover to survive and those who use my method of 'triangle of life "survival 100%.
The film has been seen by millions of people through television in Turkey and parts of Europe, and the witnessed on television programs in the USA, Canada and Latin America.

Facts

The first building I entered was a school in Mexico City in an earthquake in 1985.
All children take shelter under their desks.
All children crushed to the thickness of their bones. They could have survived by lying down next to their desks in the hallway.
At that time, students are taught to hide under something.

Triangle of life theory

Simply stated, when buildings collapse, the ceiling is falling upon the objects or furniture inside crushes these objects, leaving a blank space next to it.
This space is what I call the "triangle of life".
The larger the object, the stronger the body and less likely to crumble.
The less the object compacts, the greater the empty space, the more likely for people who use it to survive the wounds.

Observe

One time you watch collapsed buildings on television, count the 'triangles' you see. This triangle is everywhere and is a common form.

Ten (10) Tip of the Earthquake Safety:
1. Almost all the people who just "duck and cover" when the building collapsed died from falling debris. The people who took shelter under a body will compress the body.

2. Cats, dogs and babies often take the natural curled position. That's what you should do in an earthquake. This is a natural instinct to save ourselves. You can survive in a narrow room. Get next to an object, next to the sofa, beside a large object that will compress slightly but leave a void next.

3. Wooden buildings are the best type of construction is safe during an earthquake. Wood is flexible and moves with the force of the earthquake. If the wooden building was still falling, a lot of voids will be formed. In addition, the wooden building has less concentrated, heavy parts. Brick building would be blown to pieces. Bricks will cause many injuries but only a few agencies who crushes bodies than concrete slabs.

4. If you are in bed when an earthquake occurs, roll to the side of the bed. Voids will be at the bedside. Hotel will have a high level of safety with just put a warning on the back door so the guests lying on the floor beside the bed when an earthquake happens.

5. If an earthquake happens and you can not get out through a window or door, then lie down and curl up next to a sofa or large chair.

6. Almost everyone who is behind the door when the building collapsed will die.
Why? If you stood in a doorway and the doorjamb falls forward or backward you will be crushed by the ceiling above it. If the door jam falls sideways you will be cut in two by it. In both cases, andatidak be safe!

7. Never go to the stairs.
Appliances have a "moment of frequency" different (ladder they swing separately from the main building). Stairs and other parts of the building continuously bump into each other until structural damage from the stairs. The people who ran into the stairs before they fell to pieces by it. Even if the building does not collapse, stay away from the stairs. Appliances will be part of the building most likely to be damaged. Even if the earthquake does not break down the ladder, the ladder may collapse later when people were running to save diri.Tangga still be checked even when the rest of the building is not damaged.

8. Stand near the outer wall of the building or on the outside if possible. Would be safer to be on the outside of the building rather than in it. The farther you are from the outside of the building will be more likely that your escape route is closed.

9. The people who were in vehicles are crushed when the road above falls and crushes their vehicles; this was happening on the ground-floor Nimitz highway. Victims of the San Francisco earthquake all stayed inside of their vehicles & die. They could have survived with out of the vehicle and was lying next to their vehicles. All vehicles that were destroyed have voids as high as 1 meter in the next, except for vehicles that had columns fall directly across them.

10. I found, when I crawled under the newspaper company office and other offices with a lot of paper that the paper does not compact. A large empty space found around piles of papers.

Travel Insurance Protects

For all travel warnings go to the FCO website, which provides information on where not to travel. The swine flu outbreak in Mexico is a case in point. The FCO imposed a full travel ban on the country for a short period of time because of risk of spreading the disease. Insurers, tour operators and airlines all follow this advice and so customers were entitled to have their money refunded.

But now the ban has been raised as the threat recedes. Unfortunately those who fear swine flu and no longer want to go to Mexico are not entitled to a refund, unless there happens to be other legitimate reasons to stay at home. The opposite also applies. People who ignore the FCO warnings put themselves at risk, because they will be invalidating their travel insurance.

Frequent updates to the status of places occur, so it is important to take a look often. The FCO warnings are region-specific, so might include only part of a country. An example would be the recent bomb in Lahore, Pakistan, which put parts of the country off limits whilst other parts were open to travel to.

If it happens that the travel company is responsible for disrupting or cancels your holiday they should give you an alternative or your money back. However, they are not obliged to compensate you for any disturbance, inconvenience or disruption caused. They might if you are lucky.

Once you arrive safely and on time at your destination, be aware of how to keep yourself healthy whilst away. Much of it is obvious. In many areas tap water will upset your stomach, so if the Lonely Planet says don't drink it then listen to them. Bacteria and germs thrive in warmer climates and so prosnal hygiene, such as hand-washing, is particularly important to take care of.

When dining out or cooking yourself make sure meat is properly cooked, so that any germs have been killed in the cooking process. White meats should be pale and of an even colour, with no traces of pinkish opaque flesh showing through. The juices that flow from white meat when cooked should be clear, not pink or bloody. Red meats obviously aren’t necessarily well done and can be bloody.

Other annoyances occur for a vast number of reasons, such as the incident at Bangkok airport in November, when protesters held a sit-in and stopped the airport from functioning. There was no danger of violence but it did casue a lot of flights to be cancelled. Travel insurance really helps under these circumstances because it means another flight will be provided for you, so you won't end up stranded.

The bottom line is, anything can happen. So whilst you shouldn't be put off travelling overseas by the dangers or inconveniences that may occur, you should buy a decent travel insurance policy to give you peace of mind and make sure you’re protected.

Factors that Determine Term Life Insurance Rates.

With term life insurance policy, you are provided with limited coverage for a period that you wish, usually between 10 to 20 years. Term term life insurance policy, is the most popular insurance policy in the country because it is the cheapest. However, there are different plans for different people. With this policy, you will not receive any payout when your term expires. Payouts are only made to the beneficiaries in case you pass on during the period that is covered by the term policy. The rates of the policy depend on a number of factors such as age and occupation. Taking the policy at a younger age entitles to you to much lower rates. This is because you are expected to live past the period of the insurance.

The total sum of the term life insurance can be difficult to calculate. While some policies may appear to cost more, the may actually be much cheaper when you consider the total cost of the plan. For instance, policies that are renewable every year may appear to cost more than those whose premiums remain constant throughout the years. However, when you look loser, you may find the level term policy may cost higher especially when it comes to renewing the policy at the end of the term. This is one reason why you have to be careful when choosing an insurance plan. In fact, it is recommended that you engage the services of a professional insurance broker to advise you on the cover that you should take.

There are different factors that affect the rate of the term life insurance plan. Some of these include the following:

a) Your physical health. The insurer will check your medical record to check you health history. If you have heart disease, you can get a policy but at much higher rates. If you have a terminal disease, it is unlikely that you will be offered a life insurance cover.


b) Your occupation and hobbies also matter. For instance, if you work in a company in the gas storage facility, you will be considered a high risk client. Also, if you are into high risk activities such as bungee jumping, mountain climbing, and sky diving, your rates are likely to go up.


c) The company will also check whether you smoke or not. Smokers are considered to be high risk clients as they are twice as likely to die as nonsmokers. This will therefore raise the rates of a smoker by 20 to 30 percent. Quitting smoking will help you get a lower term life insurance cover rate.


There are different types of term life covers that you can go for. However, all companies consider the above factors when coming up with a rate for you. You can enjoy lower rates by taking the initiate to live healthily, quit smoking and avoiding putting your life at risk through activities such as bungee jumping. This will help you secure a lower rate insurance plan.

The Primary Types of Life Insurance & How Their Cost is Determined

There are many forms of life insurance policies available to a potential policyholder but all life insurance policies will always fall under two different categories:

Term Life Insurance - these types of policies are only active for a specified amount of time of your life, called a "term". When the term ends, so does the policy. Payout only occurs should the insured die sometime within the policies defined term. This type of life insurance is best used for temporary or shorter term needs: 20-year mortgage, college education costs for children, and helping to support children and assist with family income needs should one of the parents die.

Permanent Life Insurance - this type of policy covers you for your entire life and will pay death benefits when you eventually die. This type of insurance policy is best for "permanent" related needs: burial fees, estate taxes, providing income for a spouse, etc.

Whichever type of insurance policy you choose, there are two factors that determine its cost: Mortality Cost and Policy Expense Cost.

Policy Expense Cost is the cost of insurance company expenses such as office rent, utilities, general staff, and agent commissions. Depending on the type of policy you purchase, this fee can either remain constant or fluctuate throughout your policy's lifespan.

Mortality Cost is determined by the odds of the insured dying at that particular moment. Obviously, the odds of the insured dying increase exponentially with age. To avoid an ever increasing insurance premium that correlates directly with the insured's aging, insurance companies average the increase and adjust the early premium payments accordingly. Essentially, you are paying an inflated premium when the insured is younger and a much lower premium as the insured individual ages, but the actual payment remains constant. This overpayment is called "cash value" and must be reimbursed to the policyholder should he or she cancel an existing permanent life insurance policy early. It is important to note that Term Insurance premiums increase with the policy holder's age but they will never accrue a "cash value". When a Term Insurance policy is terminated early, there is no refund for overpayment due from the insurer.

Additional life insurance terms you should know:

Beneficiary - This is the person or organization to whom the insurer will pay proceeds to should the insured die. This could be your husband/wife, or your spouse. It could also be your children or a perhaps your favorite charity.

Primary Beneficiary - This is the person or organization that will be paid upon the insurer's death.

Contingent Beneficiary - This is the person or organization to which the proceeds will be paid to should the Primary Beneficiary be dead or no longer exist (such as a company or corporation named as the Primary Beneficiary). If no Contingent Beneficiary was named in the policy, proceeds will be paid to the Primary Beneficiary's estate.

Face Amount - This is the amount of money payable at time of death. It is usually found on the first page of every Life Insurance policy, whether it's a Term or Permanent policy.

Purchase Options - These are options that can be purchased throughout the life of the policy regardless of the insured's health. A good example of a purchase option is allowing the policyholder to increase the amount of the policy without having to re-evaluate the health of the insured.

Waiver of Premium - This is an optional coverage that permanently suspends your premium in the event that you are disabled. However, you must first be disabled for six months before the waiver takes effect. Additionally, this option is quite expensive and may not be necessary should the insured have substantial disability coverage.