Life and Health Insurance Policies - Life And Health Insurance Policies Knowledge Base

Life And Health Insurance Policies Knowledge Base

What is the best health insurance and life insurance policies? What is the best health insurance and life insurance policies? I am recently out of the military and need to purchase an individual health ins policy. However, I am not sure which ones are the best. I am a student, do they offer any good student policies? Also, is the SGLI to VGLI conversion a good change to make? If not, which is better term or whole life insurance policies?

What is the best health insurance and life insurance policies to go with? What is the best health insurance and life insurance policies to go with? I am recently out of the military and need to purchase an individual health ins policy. However, I am not sure which ones are the best. I am a student, do they offer any good student policies? Also, is the SGLI to VGLI conversion a good change to make? If not, which is better term or whole life insurance policies?

Insurance policies: life, health, and liability, which type is the riskiest for insurance companies? What types are the safest? Im trying to learn as much as possible about insurance company stocks.

Can I have my exwife on my Health and life insurance policy? My wife and I are getting a no default divorce here in PA. We have a one year old child. I currently have her and my child on my health and life insurance policies. For the sake of my daughter, would I be able to keep my wife and daughter on the policies at least until my daughter is 18? I do not mind paying for my wife, as she can barely afford one of her own.

Have you remembered to cancel your health and life insurance policies because Jesus is returning soon? Truth Seeker....Indeed, the sun could die before Jesus ever returns.

What is the best life insurance policy? What is the best health insurance and life insurance policies? I am recently out of the military and need to purchase an individual health ins policy. However, I am not sure which ones are the best. I am a student, do they offer any good student policies? Also, is the SGLI to VGLI conversion a good change to make? If not, which is better term or whole life insurance policies?

Anyone have info on the practice of purchasing/taking over someone else's health/life insurance policy? Essentially, one would pay the premiums for another person who may be in poor health and cannot afford their payments. This, in turn, makes the beneficiary the one who is paying on behalf of the other person. Some look at this as an investment, others look at it as unethical...either way, I would like a bit more information, links, etc... if anyone has it?

Anyone know anything about Mega Life and Health insurance? I am getting private health insurance, and after I called a number on a radio commercial I was visited by a salesman for Healthmarket selling Mega Life and Health policies. I looked them up online, and found some shady stuff, but a lot of it seemed a couple years old and you have to think, very few people are going to go online to write good reviews. Please let me know your experience.

when i get into life and health insurance can you switch other policies to you? even your own policies you have with somebody else? what i mean is if i just got my life and health and know people and family that have policies through different agencies can i get them to switch with me

What is the best health insurance policy to go with? What is the best health insurance policy to go with? I am recently out of the military and need to purchase an individual health ins policy. However, I am not sure which ones are the best. I am a student, do they offer any good student policies? Also, is the SGLI to VGLI conversion a good change to make? If not, which is better term or whole life insurance policies?

How To Get The Best Deals on Life & Health Insurance in India? How can one get the best deals on Life & Health Insurance in India. How do we know which is the best insurance policy and also the least expensive?

What is the health criteria for State Farm life insurance policies for preferred and super perferred rates? I am considering getting a life insurance policy through State Farm where they have different rates depending on the results of a physical that must be performed. The agent is not able to tell me but I would like to know what the criteria is for qualifying for the preferred and super preferred rates. BMI? (body mass index) blood pressure? cholesterol level? My objective is to find out if I qualify now and if not but am close I could work on improving my health over the next few months through diet and exercise. I realize that the criteria will vary based on age, sex, height, etc. but there must be some table, chart or formula they use to determine what rate you qualify for.

i need a health/life insurance policy? and i need it NOW. one that doesn't have a pre-existing condition policy. i had cancer in 2002. and there's a 70 % chance i have some form of skin cancer (just found out 1/2 hr ago). the pre-existing conditions clause kills us. can anyone reccomend an insurance company (especially if they have additional cancer benefits)? and i better get some life insurance too? and besides my 7, 4 legged liabilities that i need to figure out, i need to figure out how to tell my mom if the biopsies come back positive. she's already almost lost each of her parents this yr and she just had surgery 3 weeks ago to open a blocked artery. any suggestions for that?

How will Obama change health insurance and life insurance? I drank on and off from the age of 18 to 19. When I was 19, I got a DUI and the court told me I was an alcoholic. I have not drank since the night of my arrest and have been sober 2 years. I am 21. I am depressed because I think that if I apply for a health insurance policy or life insurance, they will turn me down or give my lousy rates because I am an alcoholic. Why do I have to carry this label for life? I have only drank about 10 times in my whole life and I quit after my DUI. Would Obama change the stimga that is attached to former alcoholics and people labeld as former alcoholics? I am in great health, but all they will think of me as is a defective person. Should I vote for Obama????

Elderly man with major pre-existing health issues buys life insurance. Is it worth it? A member of my family took out a life insurance policy. He is 80, has had stroke and other health issues. Obviously, the premiums are HUGE. But he says the pay off will be millions for his family. Will this be worth it in the long run?

Will my health issues effect my life insurance acceptance? I am a 27 year old female, scheduled to have a medical exam tomorrow for a $250k life insurance policy I applied for. I'm a little nervous about how my health issues may effect my insurability. 1) I have ADHD, for which I take 80mg Strattera, daily; 2) I have disc degeneration at three levels in my lower back, for which I occasionally (1 x a week or less) take Vicodin and/or Tizanidine to control the pain. I do not plan to have surgery for this issue, as it does not have a big impact on my life. Will either or both of these issues effect my insurability? The ADHD is treated by my primary doctor, which I will certainly have to disclose. The Strattera will show up on my blood test anyway. However, is it necessary that I disclose that I am also seeing an orthopedic doctor a few times per year? Niether the Vicodin or Tizanidine will be detected in my blood or urine, as it has been over two weeks since I have taken either. Serious answers only, please. Thank you

If someone sign up for life insurance now, and their health goes bad in 20 years, can the claim be denied? Lets say I open my life insurance policy now and fill out the application correct and everything truthfully. 20 years from now, my health is crap. Lets say I have diabetes, heart problems, high blood pressure, so on and so on. Then lets say I die... Can the life insurance claim be denied because of this?

How do you find out what Life Insurance Policies your husband/spouse has take out on you? I am a woman in general good health with no ailments or terminal disease. My husband had a $500,000 life insurance policy on me. I had originally signed a much lower amt to cover any funeral fees (the basic) for unexpected death, however, he deliberately raised it this much to half a million dollars without my knowledge. He currently has other life insurance policies, however, has mentioned it is only placed on him. I called the life insurance company in question and asked my policy to be deleted, however, I was told that it was not possible because my spouse was the Primary holder of that account. ALSO, I was told that even after a divorce, he could still have that insurance on me and there wasn't anything I could do about it. I am currently divorcing him over this matter and we have 4 children. How do I find out all of the insurance policies he may have on me and the kids? Any advise would be appreciated. Also, I might add that there is more to it about divorcing him than just that. This was just the last straw that made me want to get out. He has been very controlling and manipulative all of the time we have been married. Thanks to all of the answers I have received so far.

Dental, life, health insurance separate bills- can i pay with one check? I get dental, health, and life insurance through the same company, but they send me a separate bill for each one... my policy number is the same on each bill so can I just send them one check instead of three?

Life insurance companies and mental health issues? Someone I work with is interested in buying a term life insurance policy but is afraid she won't get coverage because she has had some situational depression and has had a suicide attempt as a minor. Do life insurance companies dig up health information of as far back as your health records go (minors?)?

Which term life insurance policy should i choose? I am 29 and deciding between 20 year and 30 year policies..? I am 29 years old, in good health and a non-smoker. We just added a new baby boy to our family and I wanted to get a good life insurance plan. I can't decide between 20 year and 30 year policies- the 30 year is about 1.5 times more expensive a year than the 20 year plan. Any advice?

Can I take a life insurance policy out on my dog? There are companies that deal in dog health insurance and dog funerals. Any place that will give my pooch a life insurance policy just in case something happens to him and I'm left with the bills?

why is there a survival period for health insurance policies? In the case of many insurance polices, there is a clause stipulating that the Life assured has to survive for 28 days to avail the claim. Why this clause and why this particular period of 28 days?

I would like to get two guaranteed life insurance policies on my dad. Can I do this? My fathers doctor told him five years ago if he did not quit smoking, he would be dead within three years. Well, my dad is alive and kicking, He has COPD really bad and I don't think he will last but a couple more years. Maybe five years tops. Anyway, there are a lot of companies offering no questions / no health checkup life insurance. The most I can find is $50,000. Would it be unlawful for me to get two sets of life insurance at $50k each? I really don't know anything about these life insurance companies. Is there a short period he would have to live through in order to collect? He isn't going to die in the next year... but I am thinking a year is all he has left. Thakns

Can anyone give tips for taking the Oregon Life & Health Insurance License Exam? They give you a "Lesson" online which is simply a list of vocab and definitions and very brief outlines of policies, then end with quizes that cover absolutely nothing in their lessons and even provide answers that don't apply.

health and life insurance... reasonable rates and types? what type of health insurance would you reccomend? HMO PPO, other. what kind of rates do you pay? what would you consider reasonable for a man, woman, child family plan? (self employed, small business owner) what about life insurance? difference between term life, whole life, cash value policies, etc.

What are my rights under the Health Insurance Portability and Accountability Act ? My 19 year old daughter, my only dependent, has been covered by my group health insurance policy all her life. She got pregnant last year and was unmarried. She carried the baby until the sixth month and lost it due to chromosomal abnormalities. That pregnancy was covered by my group insurance. She is now pregnant for a second time but has just informed me that she got married in February 2006. When I contacted my benefits office, I was told that I had missed the deadline for requesting a conversion policy for temporary coverage for my daughter and that there were no exceptions. This seems so harsh since she now has no coverage for this pregnancy. I am willing to pay the increased premiums back to the date of her marriage. I have continued to pay my family premiums and am not asking for a reimbursement. Do I have any rights under the federal law that requires a employer to allow a dependant to convert to an individual policy? Jan

Tax saving through family floater health insurance.? In India, suppose in some family both husband and wife are employed. If they sign a family floater health insurance policy, will both the husband and the wife be entitled to income tax savings, or only one of them? Another related question, if they jointly sign a life insurance policy, will both be able to save tax?

Rejecting pre-existing condition: Isn't that where Dems wait 'til they get cancer before buying health & life? ... insurance? "Dr. says I have stage-4 cancer. It's unfair if you don't now sell me a health policy and a $10 million life insurance policy!" Why can't Dems be responsible like other people and buy insurance BEFORE they get sick?

What companies still offer "actual" Mortgage Life Insurance policies? Unfortunately, there is some extensive health history that prohibits the application of such traditional Term/Whole life solutions. From what I understand, actual Mortgage Life Insurance is a decreasing plan (following the decreasing principle of your loan) that is shared by both borrowers and designed only to pay off the mortgage in the event one or both borrowers dies. Can you give me the names, ph#, email, URL, to any companies that offer this specific insurance product? I have already asked my lender, loan servicer, and about 100 different B.S. online quotes :) Thanks. Just to be crystal clear...I am not looking for Term Life Insurance, Whole Life Insurance, Variable, Universal, or any other typical live insurace vehicle. Eventhough the insurance industry has muddiedthe definiton; "Mortgage Life Insurance" is a specific product in it of itself.

why was i was denied life insurance?......my health is PERFECT? i just found out that they denied me for a life insurance policy i was applying for. the weirdest part is i have never had an accident, surgery, major sickness, no medications, never have smoked or drank, no history of illness in family. i had the blood work and urine test a few weeks ago and just found out that the lab work was what raised a red flag. the day before the blood and urine test i ran a marathon. could that have thrown off my fluids or cells somehow? too much/little potassium? that's what my wife thinks. when i run marathons it does crazy things to my system. thanks!

is there any legitimate companies that would secure a personal loan with a life insurance policy? I am wanting to take out a personal loan and want to secure it with my life insurance policy. I am in perfect health but have nothing else to use as collateral.

How come to have a visa to visit Latvia, you need health insurance and yet the UK does not make people have it? On short & long term visas. •A valid health and life insurance policy guaranteeing the coverage of costs associated with health care in Latvia, as well as those associated with repatriation to the visitor's country of permanent residence in cases of serious illness or death; Should the UK introduce such measures for issue of a UK visa? http://www.learn4good.com/travel/latvian_visas_requirements.htm Sir Charles, as EU members do not need a visa it does not apply to other EU member states. EU members have EU health insurance cards. Wail, can you provide a link please, as that is not what I know. Wail does not look like you know the regulations. http://www.ukvisas.gov.uk/en/advanced-search?post As a point - obviously it does not appy to EU fellow member states. A visa is required from outside the EU.

Any reason not to sign an Authorization for Release of Personal Health info when applying for life insurance? I am mid-50's, good health, in good condition, etc. I had a cancer scare a few years ago, but turned out I didn't have it. I'm thinking of applying for a new whole life policy that will replace another one I already have. They are asking me to sign this form that will tell all my doctors to release all my records. Is this normal and required in all cases? What's the downside? How do I know the agent won't disclose the info inappropriately?

If a person has a life insurance policy on someone, and then they die what happens? If a parent has had a life insurance policy on their child since they were small, what happens when the policy owner dies? My dad had one for all of us kids. He is 85 and in very poor health. Would it be possible for us to have our policies and keep up the payments or can't the beneficiary be changed? His wife may not give them to us anyway but I have no life insurance and it would help me immensely.

life insurance policies for U.S. students studying in the U.K.? I am a U.S. citizen, and will be studying in the Scotland for a year. I am looking for a term life insurance policy to cover me at least for a year or few years while I'm abroad. I'm having a lot of trouble finding a company to do that, and each place I've contacted has told me different things. I'm not looking for a health/medical or travel coverage, but life insurance that will go to my beneficiaries. I'm interested in a $250,000 or preferably a $500,000 policy. Any help or advice on this would be really appreciated. I'm not sure who to go to at this point.

What are requirements for starting a business to sell life, health ins policies & medicare supplement plans? More specifically what are the state, federal and/or medicare restrictions? ie posting surety bonds, liquid capital, insurance licenses, brick & border, etc.

What options are availible to me for life insurance for my father who has pre existing conditions? My dad over the past several years has seen his health go down hill, and until recenly, i have not been able to afford a life insurance policy for him. He has had strokes and heart attacks, so there are some pre existing conditions. Are there any life insurance policies that are affordable, that would cover him? Im just looking for something that would cover funeral cost.

Has anyone ever "sold" their own personal life insurance policy to someone else? I have been carrying two TERM life insurance policies for many years. Since I have retired, I can no longer afford to pay the premiums. One policy will terminate in 2013 and the other in 2024. I am 65, female, good health.

A health insurance question..? I live in Mississippi and have blue cross blue shield medical insurance through my work.. my mother lives without any health insurance and she doesn't work, and probably wont work, so i was wondering if anyone knew if there could be any way that i could claim my mother as a dependent and have her under my health insurance coverage? she lives by herself, and is living off of a significant amount of money left by my fathers life insurance policy prior to him passing away.. If there is a way, how would i go about doing this? im afraid of my mother getting sick and being out alot of money on dr bills, and i feel like i need to help her..

The New England Life insurance company issues one-year policies to 12 men who are all 27 years of age.? The New England Life insurance company issues one-year policies to 12 men who are all 27 years of age. Based on the data form from the Department of Health and Human services, each of these men has a 99.82% chance of living through the year. What is the probability that they all survive?

What company provides a good low cost life insurance policy for older people? My father just retired, but he is stubborn and against getting a life insurance policy. I would like one to cover expenses he may leave behind and to take care of his wife, but he just doesn't see the need for some reason. His wife (my mother) is also the same way and they are too old fashioned and set in their ways to change their way of thinking. My parents are not rich and does not have a lot of money saved up. As a result, I may have to pay it myself even though I am supporting my own family on a single income. Obviously, the older one gets, the more expensive a life insurance policy becomes. Does anyone know of any good, reliable low cost life insurance companies out there? He doesn't have any major problems, but it would be best if there are some that doesn't require any health checks.

An insurance company records on 1,000 insurance policy holders reveals the following information:? An insurance company records on 1,000 insurance policy holders reveals the following information: 1) 220 purchased only disability insurance. 2) 110 purchased health and life insurance. 3) 330 purchased health insurance. 4) 100 purchased only life insurance. 5) 100 purchased disability and life insurance. 6) 470 purchased only disability, only health, or only life insurance. 7) 330 did not purchase disability, health, or life insurance. Calculate the number of these policy holders that purchased life and health insurance but did not purchase disability insurance.

what is the best life insurance firm to have a policy with? im looking to set up a life insurance policy to help take care of my family , loved on and my son when im gone... what are the best firms to join. best offer iv had so far is with tesco for £500,000 cover for £37 a month. slightly less with the post office.. but they ask too many questions when it comes to mental health (i have depression and have self harmed) and when iv self harmed

Taking life insurance out of my dad, where do i start? My dad doesnt have a lot of money and he has encouraged me to take a life insurance policy out on him so he can leave something to my siblings and I, along with our children. I don't know where to start or even how much. Plus he smokes weed so I dont even know if a policy would pay out. Other then smoking he is in pretty good health.

27, single, no kids, great health, should i get term life insurance? I spoke to an agent and he recommended life insurance (since in the future I plan on having a family, kids husband). Term insurance for 10 20 or 30 years is pretty cheap ranging from 10-16 bucks a month for me, whole life is A LOT more. I understand the rate for whole life will just keep going up as i get older, but he said it would make sense for me to get term just so I can take the medical test and in the future 10 years (or before the term life insurance expires) I decide to get a whole life policy with the same company (met life) they would still quote me a premium at the health I had when I got my term policy (in case my health were to worsen).... Am i Making sense.. So basically he said to get the term insurance just so I can take the test now and wont have to in the future (20-30 years) which by then who knows what my health may be....My age will pay a factor at that time at how much whole life will be, but my health work for me and not against me.... What do you say? (then by 20 years I can really see if im going the route of having kids etc)

Where can I sell my unused insurance leads? I'm a part-time life and health insurance broker. I have unused insurance leads (for both life and health) that I want to sell. Since I sell so few life and health policies (I do mostly group sales) I'm not even sure what kind of web-board or forum I could utilize to sell them. Please advise

What typically happens to the insurance industry during a period of economic recession? Are people more afraid and purchase more insurance or less? Does it make them delay purchasing insurance? Life and Health insurance specifically. More specifically senior medical supplement policies, advantage plans, life insurance, long term care insurance, and annuities. I'm asking for myself. Is it a good time economically in the U.S. today to sell these products? General or specific information will be helpful. Thank you for your experience and thoughts.

Can my live in boyfriend add me on his health insurance policy if he is separated? His wife & kids are also covered. They can't reach financial agreement about division of assets so separation has been working for us. My boyfriend & I have been living together for years now and our relationship is not a secret. I need health insurance and since I'm his dependent I don't see what the problem should be. Will he have to list me as his "life partner" like same sex unions?

Help!! Need information about life insurance policies in Canada......? I have an elderly friend whose husband just passed away less than 2 weeks ago. She informed me that the life insurance company has asked her for a list of all the dr's visits and hospital visits that her husband had in the last five years, as well as the reason for all the visits. While I know she can pay a fee and get most of the information from our provincial health plan, I can't help but wonder about the legality of this requirement. I've had family members who have passed away and nobody ever had to provide this information before. Does anybody know anything about this, or perhaps a website where I might be able to find out? I've tried a google search but haven't come up with anything specific about this, and I really don't think this woman should have to hire a lawyer for this. If anybody can help, I'd sure appreciate it, thanks

Are you able to take out a Life Insurance Policy on Your Father? I know this guy his dad has a size able estate, but he is mortgaged to the hilt and has failing health. His son is to inherit everything, however all he will inherit is his fathers mounting debt. His father borrows and borrows and keeps digging a deeper hole. His son brought up the subject of Life insurance to offset the debt that he would inherit, his father was livid over his son insuring him. Is it possible to get Life Insurance without his father's consent?

I received an offer of employment from Western Geco Ltd. How can I know if this is a scam or not? Tel: +447045713892 Fax: +448704795285 Ingoted: +448063439406 Date: 05/06/07 Ref: WG-HR/OE/CSE-908/2007 Attention: MANISH VISHWAKARMA, RE: NOTIFICATION OF EMPLOYMENT/ JOB ENGAGEMENT: 1.1 After verification and confirmation of details contained in your submitted Resume/CV, it is with great pleasure that we extend to you the offer to join the Western Geco Ltd in UK as (SENIOR ELECTRICAL ENGINEER) a total monthly wage of GBP 8,200.00 (Eight Thousand Two Hundred British Pounds Sterling) Only. You have been requested to join the Western Geco Ltd in the UK on JULY 23RD 2007. Western Geco Ltd shall arrange and pay for your flight ticket to join us in the UK for commencement of job in due time upon your compliance with the Western Geco Ltd/ British Expatriate Services paper works requirements. JOB STATUS: You shall be expected to enter into an initial job engagement contract with the Western Geco Ltd for a maximum duration of 365 days and can be converted/renewed to full-time service or otherwise upon your successful/satisfactory performance and preference. Where the Government of the EU/UK either by legislation or administrative pronouncement, provides for new and/or additional benefits, including increase in salaries or directs that such benefits should apply to private sector, the Western Geco Ltd and you shall meet to discuss the new measures. You shall be entitled to travel and relocation expenses plus travel/ contingencies allowances of GBP3, 200.00 that is excluded of relocation expenses and flight ticket prior to your job commencement as part of our service commitment/incentive to encourage our employees who have met our official statuary requirements. 1.2 YOU HAVE BEEN OFFERED THE POSITION SENIOR ELECTRICAL ENGINEER: As one of our Senior Electrical Engineers, you’ll provide specialist engineering technical support and advice in specifying appropriate maintenance, inspection and reliability activities. We’ll also require you to evaluate new systems and procedures and provide advice regarding application and support for their introduction. You’ll identify, share and apply best practices, both from within Shell Group and from external sources, and provide electrical engineering support for projects and plant changes, either managed locally or by the project department. You can expect to assist the ENG Team Leader Electrical Engineering and ENG Distribution Engineer in long term planning of the electrical infrastructure and management of the generation and distribution system, including protection coordination, system modelling and system studies. In addition to these tasks, you’ll also have the following tasks: Acting as contract holder of a number of site term contracts Estimating or providing input to estimating for plant changes and projects Providing input to the site standards and procedures, electrical safety rules, guidance notes, electrical permit to work system, etc. Designing support for projects across the whole of the site Providing discipline input to multi-discipline teams looking at specific site issues or problems. 1.3 Other employment benefits/entitlements include and not limited to: . Fully furnished accommodation (Family/Single housing) . Medical, Dental and Optical care for employee/family . Scholarship / Educational assistance . Mobility. . Relocation Expenses . Life/Health Insurance Policy implementations . Overtime Allowance benefits 1.7PARTY A shall pay to EMPLOYEE on satisfactory performance of the services stated in 1.1, the sum of ₤9,200 (Nine thousand two hundred pounds sterling) monthly basic salary, or equivalent depending on EMPLOYEE’S home country and currency preference. (a)PARTY A shall pay EMPLOYEE for the services rendered under this agreement by cheque presented on a monthly basis upon due presentation and receipt of undisputed Quality single or family housing shall be provided by SPDC or in the alternative the sum of ₤2,000.00 per month shall be paid to you as Housing Allowance. (b)The sum of ₤3,100.00 shall be paid to you for personal effects shipment and excess baggage allowance. (c)SPDC shall provide you access to some of the finest social and recreational facilities in the United Kingdom. (d) SPDC will provide the employee with comprehensive health care for the terms of contract and follow-on care for injuries suffered during the term of contract for employer and family. (e)The sum of ₤2330.00 per month shall be paid to you as Educational Assistance Benefit with family status contracts. (f)Complete meals for you as deemed appropriate. (g) ₤3.200.00 flat rate travel / entertainment allowance shall be paid by your employer for each international trip. Travel shall be by business / first class. However for the purpose of commencement, the cost of travel ticket shall be paid in addition to travel / entertainment allowance. Cost shall be substantiated and shall be the rate charged at the period / time of employees. Travel ticket including that of employees’ family only on employees’ early notification to employer and as shall be requested by employee. (h) Employee shall also be entitled to maximum security including members of the state security service in housing community. (I) the employee will be reimbursed by the employer for reasonable moving expense incurred only as a result of relocation or early termination of leases, storage charges: procurement of travel documents, immunization etc. Reimbursements shall be paid not more than five (5) working days from submission of report / and receipt as proof of payments. 1.4 CONTRACT ADMINISTRATION AND MANAGEMENT. 1.8 Serve as other wise specifically stated in a superseding document, the project administrator of PARTY A, shall maintain general administration and management of this contract on behalf of PARTY A and all correspondences relating or pertaining with this agreement should be made, forwarded, addressed to same. 1.9PARTY B / EMPLOYEE agree to indemnify PARTY A in respect of any third party claims arising from PARTY B’s performance of this contract. 2.0 This agreement shall not be assigned or transferred in part of whole by due to termination of same any party to this agreement without prior written consent of the other party, which consent shall not unreasonably be withheld. Notwithstanding any of the aforementioned obligations, terms and conditions neither party shall be deemed, considered in default of any of its obligations under this agreement as a result of “Force Majeure”, but if an interruption of performing the obligations under this agreement as a result of “Force Majeure’ condition for a period more than one month; PARTY A shall pay EMPLOYEE only 70% of the amount stated in paragraph 1.7 of this agreement as standby or agreement termination fee. PARTY A shall; in the event of default or non-compliance of PARTY B/EMPLOYEE with the terms and conditions of this agreement; in writing give notice to PARTY B / EMPLOYEE specifying the areas of default and PARTY B / EMPLOYEE shall upon receipt of the said notice have ten (10) calendar days to rectify to the satisfaction of PARTY A the said default. 1.5 WORK HOURS. The working hours shall be 40 hours working per week: Monday to Friday inclusive. Saturdays, Sundays and Gazettes public holidays shall be rest days. However, some employees’ who work on shift may have different work hours and rest days other than Saturdays and Sundays. 1.6 WEEKEND/ HOLIDAY DUTY ALLOWANCE: Where an employee is required to be on duty on Saturdays, Sundays and Gazette public holidays, he will be paid as follows: Total Performance: 9.0%- for work done for 6hours and above Partial Performance: 4.5%- for work done for 3 hours but not up to 6 hours Transport Allowance: GBP 30.00 per day worked Meal Allowance: GBP 40.00 per day worked 1.7 SHIFT ALLOWANCE: Western Geco Ltd shall pay shift allowance of GBP 45.00 only per shift to employees who work on shift either in the offices or fields. Presence Weekend (PW), this rule will apply to periods arising from delays in evacuating the field, location site or office according to the arrangements subsisting between the Western Geco Ltd and the Department in question. 1.8 VACATION: You shall be authorized Three (3) times paid vacation (Not exceeding 21 Working Days) each year, to be used at your discretion after duly informing and receiving approval from employer’s management. Employer will pay for travel expenses (i.e. flight tickets) and flat rate travel allowance of GBP2, 800.00. COMPASSIONATE LEAVE: In the event of death or serious illness of employees’ father, mother, wife husband or child, necessitating presence of staff, Western Geco Ltd shall grant compassionate leave with pay up to a maximum of 12 working days per year. INTERNATIONALIZATION OF EMPLOYEE: You shall be given the opportunity for international assignments within the group for the acquisition of experience and exposure to enhance your competence and not limited to job engagements as shall be required by the Western Geco Ltd as such you shall also be entitled to benefits on such issues. DISCIPLINE: You are expected to recognize the right of the Western 1.TERMINATION: In addition, the company reserves the right to terminate the employment of any staff who flagrantly or repeatedly fails to comply with the company’s code of conduct or commits an offence of a magnitude that the company considers him unsuitable to be in its employment. 2.SUMMARY DISMISSAL: In rare cases, an employee may be dismissed for the commission of a grave offence, in which case no notice is given. Such offences shall include inter-alias. a)Theft and fraud in connection with company’s business or property. Any staff found guilty or implicated in any of these offences may be liable to prosecution. b)Disclosure of confidential information of the company or its associate to a third party. c)Conviction and/or imprisonment for criminal offence. The Employee’s High Commission, Embassy/Consulate shall be given benefit of consultation in any case involving the dismissal of its citizens as such, Employee will also be given the chance of fair hearing and proper investigation prior to decisions conclusion. With compliance with the mobilization, advancement & reimbursement policies (MA&DP) of the Western Geco Ltd, you shall be required to incurred all initial expenses as a result of your documentation & paper work processes/procurement and would be reimbursed in not more than five (5) working days upon your submission of invoice receipt or proof of incurred expenses. This is for confirmation of readiness & seriousness of employee to join the Western Geco Ltd. team within the stipulated time frame and also based on previous occurrences experienced by our corporate management from expatriate services employees. NOTE: You would be required to personally bear the initial expenses as regards the processing, procurement and acquisition of your legal immigrant paper works as a sign of your readiness and seriousness to join our team here in the UK in due time and you shall be reimbursed incurred expenses by the Western Geco Ltd management prior to your resumption in not more than Five (5) working days from date of your acquisition of the legal permit documentation , if you do not find this term agreeable, then do not hesitate to furnish us with a letter of declination of your job engagement offer as soon as possible to enable us timely replacement on your position. Welcome to our family. Sincerely, Prof. Richard Don Lawrence Human Resources Manager, Western Geco Limited. Gatwick Airport RH6 0NZ, West Sussex, United Kingdom. MANAGING DIRECTOR MR. MICHAEL FISH AND ………………………………………… EMPLOYEE SIGNATURE & DATE

Where can I get a good life insurance policy for my father? He is already 63 years old, a smoker, and not so great health. I don't want a million dollar policy just enough to cover a funeral and his last debts as I will be the one to take care of this. Any ideas?

Is there any single insurance policy covering life risk & health?If so which company offers the same in india? At present separate policy is to be taken for life &health.

I already have a health insurance policy. Should I still buy a life insurance policy?

Some days before, I have purchased a health insurance plan. Should I take a life insurance policy with riders?

How do major life insurance policies work? I have only ever had the ones offered through jobs.? I am single, non-smoker, 25 year old female in reasonablly good health. Non-homeowner & no kids. How do you invest through life insurance? Etc...

Need a term life insurance policy with no medical exam or health questions.? Preferrably online. As simple as possible.

Can I convert a Northwest Mutual Variable Life Insurance policy to a Term Life Insurance Policy? I signed up for the expensive Variable Life Insurance policy when I was making lots of money. Now that my earnings have dropped, the Variable plan is too expensive. I have some health issues which will prevent me from getting a reasonable rate on a new term life policy. Is it likely that NW Life will allow me to convert to term at the "health standard" that they used to sign me up 15 years ago?

Why do people think the insurance companies are lying when they say the Baucus health care bill will raise? the cost of health insurance for Americans? The Baucus bill requires all future health insurance policies to include: Cover all preexisting conditions. No life time cap on claims. All doctors office visits. Dental coverage on all policies. All prescriptions included. All mental health issues. How can Liberals gloss over the fact that that's going to make health insurance more expensive? Just saying the insurance companies make too much money already is not going to change reality.

Could the Insurance Industry take out a life insurance policy on the Insurance Industry? Yah know....just in case the public option does actually put the American insurance industry out of business? Could they maybe get a policy written from an insurance company from another country? If they could then health care reform would be a win-win situation for them...if they go out of business they collect, if they stay in business they continue to collect (only from conservatives of course). Either way they win...unless the company they buy the life insurance from points out a hidden loophole which allows them to deny the claim. But that NEVER happens right?

re: Universal Life Insurance. What happens at end of insured period? Do I get my money back? I was given a Universal Health Insurance policy. It is all "paid up", meaning I do not have to put any more money into it. It says that the policy will continue in force until "Maturity". What happens at maturity if the person insured hasn't died? Is there money left in the policy?

getting life insurance policy for someone who is already sick? I would like to take out a life policy on a family member who is very ill. They have had health problems for years, but I think they may pass away very soon. What types of options do I have at this point? What is the biggest policy I can take out this late in the game? If you take out a policy, is there a time period of how long you need to have it before it becomes valid? Policy would be for; a male, 69 years old, in a nursing home, receiving disability or SSI.

What is the best health insurance policy? What is the best health insurance and life insurance policies? I am recently out of the military and need to purchase an individual health ins policy. However, I am not sure which ones are the best. I am a student, do they offer any good student policies?

where can I find life insurance for people with mental disorders? when people have high risk health issues or challenges it is often hard to find reasonable life insurance policies, I have a relative with a mental illness, but other wise healthy do you know of any insurance companies with such help?

Who needs a private sector when we have a Clinton make our health-care choices? Who needs a private sector when we have a Clinton make our health-care choices? The new Hillary health-care plan is very different from the old 1993-1994 Hillary plan. It is far slyer, and far cleverer, far more well-packaged. The same arguments that applied to the old Hillary plan do not necessarily apply to the new plan. But the new health plan ends up in the same place as the old health plan — with the government running everything. Here are the primary problems with the new Hillary health plan: What Entitlement Crisis? As everyone should know by now, our nation faces a dramatic entitlements crisis that will play out over the next 30 years. Federal spending has been hovering in a fairly stable manner, around 20-percent of GDP (Gross Domestic Product), for over 50 years now, since the early 1950s. But the Federal government’s own official projections show that over the next 30 years or so, federal spending will soar to 40-percent of GDP, requiring total federal taxes as a percent of GDP to double. This is due to the exploding costs of the entitlement programs we already have, primarily Medicare, Medicaid, and Social Security. Hillary Clinton and other Democrats respond to this overwhelming crisis by proposing that we not reform any of the existing entitlements. Rather, they suggest that we endorse massive new entitlements, including for instance, National Health Insurance. Policy suggestions like this force one to wonder, are the democrats numerically illiterate? The Individual Mandate Hillary Clinton’s plan starts out very simply: she will mandate under federal law that everyone in America must buy health insurance, and by this she supposedly achieves universal coverage. The catch, of course, is that once you start down the road with this mandate, you end up with government-run health care. If you are going to require people to buy health insurance, then the next question which follows is, exactly what do they have to buy to fulfill this requirement? Suppose they buy the Fraternity Plan that pays only for unlimited beer and pizza during the weekends? Have they satisfied the requirement? The serious point is if you are going to require people to buy health insurance, then you are going to have to specify exactly what health-plan people will have to buy to satisfy this requirement. So the government has gone from telling you that you need health insurance, to telling you what kind of health-insurance coverage or plan you must have. And with Hillary, we can assume that this will be no basic, minimum plan. But Hillary continues to insist that this is not government-run health care. And this, of course, is only the beginning. Special interests will swarm to get their favored coverage in the required plan. People will merrily get used to billing everything in the plan to the insurance company. And costs will rise. People will start complaining that they can’t afford paying for this costly coverage, and whining that the government must do something. The government itself will already be paying for a lot of this coverage, and budgets will therefore explode. So the government will do something to control costs. It will start rationing. It will start telling people what services and treatments they can have, and when. It will start delaying access to new innovations. It will squeeze payments to health care providers so much that the providers will start rationing what they provide. Government guidelines will start dictating to these providers that they ration care, and how to do it. After a while, people start to realize, “hey, we have government run health care.” Don’t doubt it. This is exactly what happens with every other country that tries to mandate or provide coverage through government. They realize ultimately there must be some way to control costs. There is no market in these plans to control costs. So the government must do it through the only alternative – rationing. Indeed (we will see below), Hillary’s plan already includes the machinery for this rationing. It doesn’t help that a small band of too clever conservatives have been supporting just such an individual mandate since 1993-94, when broad objections from conservatives defeated their plan. Congratulations to these folks today. Hillary Clinton has adopted their plan, just as they were forewarned. The Employer Tax Since workers would now have to buy insurance under the Hillary plan; employers would have to pay for it wherever possible. All large companies would be required to provide health coverage for their workers (a plan, again, specified by the government), or pay a tax to the government. Already paying among the highest corporate tax rates in the industrialized world, this is just what our corporations need — another tax. Once the politicians get used to raiding this corporate cookie jar, the tax will soon be higher than the corporate income tax. When that tax burden leads to unemployment, no problem, we will just raise taxes on the rich again, and pay for more welfare. All of this will just improve the economy, the Clintons promise. The Refundable Tax Credit Where employers don’t pay for health coverage, the government will. Hillary proposes a refundable tax credit for the purchase of health insurance that will leave workers paying no more than a specified percentage of their incomes for the coverage. Hillary’s campaign is already calling this “A Net Tax Cut for American Taxpayers.” The problem with this is that the bottom 40-percent of income earners do not pay any income taxes, and the middle 20-percent now pay for very little (this is the end result of all those Republican tax cuts for the rich all these years). But the tax credit is refundable, meaning that if you don’t have enough tax liability to take advantage of the credit, the government will still send you a check for the entire credit. So the tax credit here is not giving you back your own tax money. It is giving you back other people’s tax money. So this is not, in fact, a tax cut. It is a new spending program, a new entitlement program, in fact. We already have a huge program called Medicaid to pay for health coverage for people who are too poor to pay for it themselves. The federal government is now spending close to $250 billion on this program, in addition to probably another $150 billion from the states. And these costs are just projected to explode and explode again over the next 30 years. In other words, we already can’t afford the Medicaid program as it currently stands. But what Hillary is proposing with these tax credits is a massive expansion of it. And we are back to the democratic chimeras again. Unfortunately, some conservative Republicans have recently toyed around with the idea of refundable tax credits for the purchase of health insurance as well. They have rightly been trying to change tax code incentives to get workers to own their own health insurance rather than relying on employers. Realizing, however, that the tax changes would do nothing for at least half of all workers who now pay little or no income tax, they have been considering various refundable plans to expand the help to lower income workers. The fallacy here is trying to provide assistance to the poor, and to low income workers, through the tax code. This is what Medicaid is for, and lawmakers should focus on helping those with lower incomes through reforming that program. But Hillary is not done with the refundable tax credits. She would provide such credits as well to small businesses who buy health insurance for their workers, paying for as much as 50-percent of premiums for firms with fewer than 25 employees. And she would also bail out big companies, who are now being crushed by foolish past promises to pay for health insurance for their retirees, with still more tax credits. In return, corporate big shots from these companies publicly intone that indeed, it is time for national health insurance. A better solution would be to just have the government take over these already socialized companies and finish running them into the ground. Government-Run Health Care Hillary wisely calls her plan the American Health Choices Plan. Accordingly, everyone will be “free” to choose one of the health insurance options in the Federal Employee Health Benefits Plan. But how is this not government-run health care? No company gets on the list of plans in the FEHBP without first complying with a host of federal requirements and controls. That’s alright when the government is providing insurance for its own employees. But should we be treating all workers in the economy as if they are government workers when it comes to health insurance? Is this not precisely what is meant by excessive government control? While the FEHBP embodies good policy for the federal government dealing with its own employees, excessive rhetoric from the original designers of that system (about how it is a model for all health insurance) has now brought us to the point of believing that all workers in the private economy ought to be treated as government employees when it comes to health care. Hillary will also provide, as another option, the choice of a completely government run, government financed health insurance plan. Why? And, again, how is this not government run health care? Moreover, how benign will this plan really be when she is done subsidizing it up the kazoo, and driving all the private plans out of business with her blizzard of regulatory requirements? Bye, Bye Private Insurance Hillary’s plan will also impose guaranteed issue on all private health-insurance plans. This means that insurers cannot reject anyone for their insurance, even on the grounds that the patient is already woefully sick and costly. Moreover, insurers won’t be able to charge more costly patients higher premiums. Effectively, this would necessarily end any real private insurance in America. Under these requirements, companies are no longer insuring health costs, they are simply financing health costs. Health insurers would be like fire insurers who are required to issue new policies at standard rates to those who show up to buy coverage after their homes have already caught fire. Clearly, this is unworkable. Hillary says the insurers are supposed to be in the business of spreading the risk, not cherry picking the most healthy. But when someone shows up to buy health insurance with cancer and heart disease, we are no longer talking about risks. We are talking about payout. This is not an insurance business. Rest assured, moreover, that the healthy with health insurance do not want to see the “risks” of the irredeemably unhealthy spread to them. Those without health insurance who have become uninsurable can, and should, be served through other means, such as state uninsurable risk pools that do not involve trashing the health-insurance system for everyone else. But trashing the private health-insurance market is exactly what Hillary and her allies advocate. Rationing Finally, there is the Best Practices Institute, which should be called the Ministry of Truth for health care. These folks will study all sorts of medical care, issue protocols, and standards for what is the best way to treat this or that. And don’t expect any insurers anywhere, public or private, to pay for anything other than what these folks say is the best practice. To oppose the Institute, of course, would just be to pay for waste and inefficiency. So this is the ideal mechanism for imposing the inevitably necessary rationing. New, expensive medical breakthroughs will be overlooked, or delayed. If your doctor has a brilliant insight on how to treat you, no problem. All you have to do is go to the Best Practices Institute in Washington, explain why this treatment is the right one for you, and get the regs changed. In this brave new world, life insurance will be a lot more valuable to people than health insurance. Insurers, now all under the control of government, will also impose rationing by squeezing reimbursements to health providers, with the limited funds the new system will allow them, until the providers themselves cut back. This is what the government already does with Medicaid, and increasingly with Medicare. And there is so much more. In Hillary’s three speeches and three papers on her website, she outlines dozens of new health care requirements in her new system, which will not be government run. The government is all wise and all knowing, and just needs to make sure the rickety old health-care system gets it all right, as it is dragged into the 21st century. And when Hillary gets done with those fascist drug companies, you can forget about any new breakthrough drugs coming to market in the future, running up costs. But remember, the system is not government run, and don’t let those nasty Republicans tell you otherwise.

Serious answers only please- About life insurance -policies- best etc... more info....? Looking for a great ins. policy or a company that has the best rates for a non-smoker 37 year old male with no health issues- looking for around 100,000.00 policy term or 30 year- If you have a good one let me know or a family member etc- looking to change the one our family has so everything would be taken care of for the family. Thanks!

Married couple health insurance living in two different states? I live in Illinois but my wife currently lives in California. Down the line we will want to have kids and as her dad is a doctor in California, would like for her to give birth there but is it possible to do so covered under a health insurance policy if we were both Illinois residents?

do any companies offer life insurance settlements for those under 65? i'm not a senior and i have relatively good health. do any companies offer settlements/buyouts for life insurance policies for non-seniors?

Does anyone know a good life insurance policy? I have been shopping around for life insurance that will not cost crazy premiums, anyone have good experiences. I am in my 30's and in good health.

Can I buy a life insurance policy on my mother without her knowing it? My mother is convinced she can't get a life insurance policy (just for burial purposes) because she has degenerative disc disease and that it would be too expensive. I know people who have heart conditions (including relatives) who died and their family had life insurance for them. She has no life ins on her but my father has it on him. All my siblings including myself have gotten into arguments with her because we don't want to have to foot all the bills after she has passed away and we equally don't think my father should take out a loan to pay for her burial. I've seen these commercials with AARP through New York Life stating that regardless of age or health condition you can get a $10,000 policy. Are there such policies out there and can I get a policy on her without her knowing about it? I want to do this to have a peace of mind and don't want to see my father go through all these stressful things when she passes away. Do I need her SS# to do this?

life insurance for dummies question? i want to get a life insurance policy on my father. Is that possible? Also i want to get the no health exam policy but i'm not sure how this works. what is the average cost per month. i know mine would vary i just want to know if it's hundreds or under a hundred. Also how does life insurance work. do you buy a policy and then when they person dies they just mail you a check or can the policy just lapse. is there a policy to cover his whole life and which is better term or permanent. i have no idea so can someone explain this to me as if i were 5.

Can my adult children purchase a life insurance policy on their granmother? She is 63, and in good health, this was her idea because she wants to be able to leave them something. Or would the price be to high for college students.She would pass any health exam.

Question about Life Insurance Claim For a Minor? My son's father passed away last month from what appears to be an accidental overdose. Although the Coroner has not given the cause of death just yet, we have our reasons to believe that this is the case. It was not ruled suicide, no note, etc.~cause of death, pending. My question is this, we have a 11 year old son. He has a Psychologist at a very large hospital and had a life insurance policy that our son is the beneficiary of. Since I am sole custodian of my son, I am the guardian of the inheritance for him. The insurance company is telling me that I have to have a motion filed at the court. I am assuming that we must have the cause of death and the guardian papers both before the claim is paid. How long does it take to receive the claim?Am I free to invest the money into an account as I wish for him, such as a prepaid college tuition plan? Am I able to use a portion to secure his health insurance through Cobra? Since his fathers death we are struggling financially but should be alright in a month or two. Being able to access a small portion would help immensely, is there a company that does such a thing? Sorry for all the questions, but I feel as if I have lost a part of my soul, its hard to wrap my head around his death, as I had no idea he was using drugs. Let alone to the extent I found. We were separated but the best of friends.Now I think I didn't know him at all. Thanks to all in advance.

Can my son be covered under his father's girlfriends health insurance? I was just notified by my sons father that his current girlfriend would be covering my son under her health insurance policy through her workplace. It was stipulated through the courts that he was to supply coverage. I don't believe that she should even be able to cover my son, I am the custodial parent so its not like she can claim that he lives with them.

How much would this kind of life insurance policy cost? I am a female. I am in the age range of 20-25. I want $100,000 worth of coverage. I smoke, but I have no other health issues. How much would it cost me? Also, how much would it cost me for a $500,000 policy? The same for age group 40-50? I have tried to go online for free quotes but they always want my name and all that other info and I don't want to give that information online.

Which life insurance is better? Any ideas on ROP? I am 28 years old/non smoker/good health/no existing health conditions. I am looking into get a life insurance policy. I am more inclined to get a term life insurance, but I heard about this ROP(return of premium)., do any of you have any advice regarding this kind of policy. Also which companies/website you recommend to get a life ins. policy. thanks in advance

Do we need to deregulate the health insurance industry? Insurance companies are one of the most regulated industries on the planet. Instead of putting in place a Universal Healthcare System, should we model health insurance around the life insurance model in place today? If we deregulate the insurance industry and allowed competition across state lines, it would be affordable. You can have whole health that grows in value until you need it like whole life. You buy it young to get the cheap rates. You have term health that can be bought in 1 year, 5 year, 10 year or 20 year increments like term life. Premiums would be based upon the policy you choose and a physical exam. 1 year term health would be the cheapest and would cover the basic healthcare and the cost adjusts every year we get older. Whole health would be the most expensive and if you didn't use the entire policy when you die, the retained value passes onto your children or spouse. To me this makes sense vs. UHC. Thoughts?

What is the best health insurance and life insurance policies to go with? I am recently out of the military and need to purchase an individual health ins policy. However, I am not sure which ones are the best. I am a student, do they offer any good student policies? Also, is the SGLI to VGLI conversion a good change to make? If not, which is better term or whole life insurance policies?

will a new health insurance policy pay for a breast reduction? my husband has a very small business and we do not have any health insurance, we have a general physician that we rarely need. I was wondering if there is any time limit on how long you need to have coverage should you opt for a breast reduction. I am a size 36DD, my breast are really huge and they hurt like helll. I don't like them touched and my back it beginning to hunch over little by little. my shoulders have indentions in them because of the weight and I can't go jogging without being tied up with something. I can't sleep on my stomach at night because its like I am sleeping on two canteloupes. I really need a breast reduction. If anyone knows anything helpful please enlighten me as this will improve the quality of my life.