Why Do You Need Life Insurance

Why Do You Need Life Insurance

It’s hard to talk about death, especially when it involves people you love. Conversation about death really needs to happen if there is no delayed concern about health problems or when age is not a factor. This is something you should talk about openly, and do it when you’re young. There are a few things you want to consider when you are planning together. You want to have the will to make sure that the issue is handled as you see fit. Another area to consider is life insurance in Greenville, SC, or with companies in your area. There are many reasons why you should have life insurance. It’s important to protect your family, maybe your business, and maybe leave a legacy.

Reasons You Should Consider Life Insurance Why Do You Need Life Insurance

You really never know what the future holds for you. Every day, anytime, you can be involved in a fatal accident, an unexpected illness, or die of natural causes. Life insurance is a way to help your family and loved ones face the financial burden that may be caused by your death. Emotional worries are great, and the last thing you want to add is extra worry about how to pay mortgages, principal bills, tuition, and other expenses. Life insurance benefits can also help pay for housing taxes. Nothing will bring you back, but at least you can make it easier for the people you leave behind.
You never want to make the assumption that your family will bounce back after you die. It is possible that living parents may want to take time to work to care for children, especially after a tragic loss. You also do not want to plan a couple to remarry. You might think it could happen, but it should not be part of the financial plan. You want to do your best to let your family in a situation of having enough, through life insurance allowances, to provide the lifestyle you want them to lead. It’s important to work with a financial planner to evaluate your goals and find the best figure for your situation.
Death should not mean that your family is in debt to survive. Funerals are expensive events and choices that can be an add on when emotions are high. Life insurance can cover these costs as well as other expenses. You do not want to add to the burden they already feel with accumulated debt immediately. Why Do You Need Life Insurance
It is important to buy your life insurance at a younger age, when your health is at its best. Once you have your policy protected even if you suddenly find you have cancer or other conditions that might prevent you from getting protection. In other words, you lock your inability when you are most healthy. Many futures policies will also come with the option to change all life later on in the life of the policy. This is very valuable, because the whole life policy allows you to maintain your lifetime insurance and also creates a tax-free cash value and can even be used as a channel for pensions.

Why Do You Need Life Insurance

When you are young, you may think that you do not need life insurance in Greenville, SC, or wherever you live. You will want to take the time to evaluate what your family will do if tomorrow you do not come home. This is the thing that is responsible for doing, and although this may be a difficult discussion, it is one of the things you need to have.

How to Plan a Trip Worldwide

How to Plan a Trip Worldwide

For most people, taking time away from the routine routine to travel the world is a dream come true. With cities all over the world wooing visitors with discounted rates for places to stay and things to do, airline ticket sales and low annual travel insurance rates, uninterrupted world travel has never been so affordable. So if you’re ready for the adventure of a lifetime, I’ve put together some tips to start your planning!
Where to go?

How to Plan a Trip Worldwide

The first step in planning a world tour is to decide where you want to go! What do you want to see? Make a list of all the places, take a map and start planning the trip path from one place to the next.

If you want to see as many places as possible in the time you have to go, count two nights per city. Anything shorter and you will not have enough time to see a lot from one place, plus you will be very tired, very quickly. If you want to spend more time to visit fewer destinations, determine the number of nights you want to spend in each area and this will determine the number of stops in the prescribed time you have. Budget

Your budget will make many of your decisions for you. This will determine where you go, what type of accommodation you order, and how often you will move from one city to the next. You should also consider adding travel fares such as renewing your passport, annual travel insurance, as well as any required visas or vaccinations – depending on where in the world you plan to travel to. Transport How to Plan a Trip Worldwide

Many airlines offer round-the-world rates, each with its own conditions and limits, so make sure you know the rules before placing an order. Compare these tickets to individual segment rates to ensure you get the most appropriate travel schedule for you and according to your budget. See also travel points, to see if any accumulated points you have will qualify for the flight.

If you plan to travel by train or bus during your round-the-world trips, research routes, fares and online itineraries to get an idea of ​​what will work best for your imagined trip.

Accommodation

It’s easy to research accommodation options lately, with online reviews available on many travel sites like Tripadvisor and Booking.com. Read the overall reviews to get more accurate picture of what staying at a particular property would be like. Like transportation, the travel points you collect can often be used to purchase hotel rooms around the world. How to Plan a Trip Worldwide

The helpful tip in designing a round-the-world trip is to post your plan and any questions you may have on an online travel board at sites like Fodors, Tripadvisor or Lonely Planet. Tourists who have been to the same destination will offer useful tips on various travel subjects, from transportation to annual travel insurance, to the best times of the year to travel to specific destinations.

Once your plan is in place, you can relax, knowing that you have arranged a well planned trip. Realize, too, that even the best plan may end up with a detour here and there, but it’s all part of the journey. Happy traveling! How to Plan a Trip Worldwide

Patrick Chong is the Managing Director of InsureMore, an award-winning specialist team in a single global travel and annual travel insurance policy. In addition to offering attractive offers for travel insurance, Patrick also collects and shares the best free travel competitions to help his clients get the most out of their holiday.

Travel Insurance Claims Weird

Travel Insurance Claims Weird

Deciding whether to invest or not on a single trip, family or annual travel insurance is not always easy to do.
Maybe you think that “it will never happen”? If so, you may find the following real life examples and accepted claims convincing you otherwise.

Travel Insurance Claims Weird

No Blind …

One claim related to the damage caused by a family vehicle caused by a panicked deer and repeatedly continues to tilt the windshield.

Riding Waves

You may be surprised to learn that two passengers on a cruise ship seem to lose their dentures to the sea – while singing. It must be a sea shack!

The food is hot

Other travelers experience burns in a bar where a screen gives a flame as an entertainment effect. The person in question has stayed in the bar watching the ‘effect’, having failed to realize that this time the bar is really on fire and people are being asked to go with urgency when a major incident develops.

Oh Snow It’s not Travel Insurance Claims Weird

One of the annual travel insurance providers issued a claim to someone who had purchased a new ski for the holiday they were looking forward to but then could not use it because upon arrival in the mountains, a strange weather meant there was not any snow to go by.

Trendy Forest Dresser

Another claim is the replacement of clothes stolen from the bungalow by local monkeys – who then carefully distribute their clothing among the troops.

Light Beauty

At a wedding celebration, a bride is lucky enough to find that her wedding dress is on fire as she walks by a barbeque. Fortunately he escaped injury when his new husband picked him up and threw him into the sea.

Helping Future Archeologists

One strange claim related to the couple who went for a quick swim left their two small children on the sand. When they returned to the beach, their children claimed to have buried family video recorders in the sand – unfortunately in a location they do not now remember! It’s never seen again.

Disturbance Travel Insurance Claims Weird

Another tourist suffered injuries due to entry into a bus shelter (literally ‘being’ it). He explains this because he is walking while looking the other way at some women clad in clothing in a swimsuit.

Driving Your Nuts

One of the less fortunate tourists was a woman who suffered head injuries from sitting under a tree and then fell on a falling coconut.

Laughing good

The above case may be strange but not considered a matter of laughter. When you’re on vacation, you can easily become a victim of an accident or illness and if you do, you may face a big bill that in reality you have no way to pay – unless you have a single travel insurance cover or an annual trip. .

So do not just giggle at this case and think bad things can not happen to you while abroad, because you can!

Think carefully about the risks and if you are unsure, make sure you have annual travel insurance or some other cover form.

Patrick Chong is the Managing Director of InsureMore, an award-winning specialist team in a single global travel and annual travel insurance policy. In addition to offering attractive offers for travel insurance, Patrick also collects and shares the best free travel competitions to help his clients get the most out of their holiday. Travel Insurance Claims Weird

Aluminium Print For Wall Decoration

Aluminium Print For Wall Decoration Printing photographs and artwork for wall decoration has taken the world by storm. Every home has plenty of pictures hanging on the wall which have been taken by friends,family and also the home owners. There is a certain way these days to transfer your images to certain wall decoration.
With UV flatbed printing this opens up many unique and fascinating ways you can display your images. If you really wanted to give of a futuristic impression with your art or photos then printing your images to Aluminium could be a really effective solution. There are many different effects you can have when it comes to printing photos to aluminium. You can have a brushed aluminium effect, you can have a glossy looking effect, you can even have white ink printed into aluminium to.

Aluminium Print For Wall Decoration

Printing an image direct to an Aluminium print is only something a professional in that trade can do as it requires a special machine when doing it. There is a top of the range machine that can print to many different substrates which is called a Mimaki JFX200 2513. This machine sprays the ink onto the material and then the UV light flashes and cures the ink as the print head moves across the substrate. It really is a beautiful sight to behold.

Lets face it. Aluminium printing looks great on a wall. you get that silver reflection/shimmery look along with the ink and art that is printed, giving the wall art such a brilliant and visual effect. Not only that but its so cool to see the results when printing photography images to it to, and every day amateur photographs to. You could every take a photo with your smart phone and have that image transferred to aluminium to. And the end results are stunning. They speak for themselves. Its so cool that gives of a metallic photogenic look.

One of the great things about an aluminium print is that unlike Acrylic printing where sometimes you would have holes in the corners, with aluminium printing you dont need to have this. You can place a wooden frame or a metal frame at the back of the dibond aluminium sheet for hanging purpose. that way its hidden behind the aluminium and it makes it look like the metal print is floating all on its own in the wall which is a great look. So that basically covers the hanging mechanism for this type of wall decor, its such a great way to display this type of professional piece.

The good thing about UV printing your image to aluminium is not only does the metal look really stand out and is so beautiful to look at. You also get the ultra violet colours and vibrancy from the actual inks. The metal enhances the UV inks to give of a spectacle of a masterpiece. If you are looking for this type of product then you can fund specialist inline that can help you with your printing needs. If you want something different instead of a picture inside a picture frame then choosing UV printing will definitely bring a shine to your home. Aluminium Print For Wall Decoration

Learn more about Vertigo Dizzy Spells

Learn more about Vertigo Dizzy Spells

, unbalanced, spinning head, and so on are some of the symptoms of Vertigo. This condition is caused when there is a problem in the inner ear. The most common causes are: BPPV or Benign Paroxysmal Positional Vertigo caused due to small calcium particles settled in the inner ear canal. These particles form clumps and block the signals that enter the brain. This signal is related to the body’s gravity which will help maintain balance. Meniere’s disease is caused when fluid buildup in the inner ear. It can also cause tinnitus or hearing loss. Labyrinthitis also known as Vestibular Neuritis is a viral infection and one can see inflammation around the inner ear nerves and this is what causes the imbalance. Learn more about Vertigo Dizzy Spells
Remedymyvertigo.com is a site that offers complete information about Vertigo and common causes, symptoms, treatments, medications, home remedies and more to get rid of the condition. This site tells us how potions such as peppermint, cypress oil, incense oil, lavender oil, ginger oil, hydrogen peroxide, etc. can be used to relieve symptoms. And then also bring the reader through certain supplements that can be taken to care for his condition. Vitamin D capsules and Ginkgo Biloba supplements are some of them. The root of ginger is another effective home ingredient that works very fast on this condition.

Learn more about Vertigo Dizzy Spells

Many patients who suffer from vertigo will be surprised that magnets can also be used to get rid of the condition. Magnets help to push excess fluid accumulated in the inner ear. Readers can discover how to use magnets in detail and in the process. Ear wax is another process that is found to be very effective. Instead of pouring so much money on drugs, it’s always better to try some home remedies. The treatments mentioned on this site have been tried and tested and proven to be successful. They are also safe as long as they are done as instructed and careful. Readers can also see Vertigo and Dizziness Programs that will help them get rid of vertigo permanently.

How to Attack a Loving Relationship with Your Most Faithful Companions

How to Attack a Loving Relationship with Your Most Faithful Companions

As a psychotherapist, I am in the business of hearing how people, especially women, talk about their bodies using hateful and dismissive terms. They are not alone. I have done the same thing, so I know how hard it is to be at peace with our imperfect body (have they ever experienced anything else?) Moreover, loving him.
Some people spend time hating the way they are “represented” by their bodies. They have analyzed and criticized every inch of themselves when comparing their bodies with their other family members, to their friends, and to almost everyone they encounter in life, on social media sites, in movies and on television. And consequently, these same people more often than not feel “less than” as a result.

How to Attack a Loving Relationship with Your Most Faithful Companions

Many such individuals will use almost any way to change what they believe is wrong with themselves, including crazy food, hunger, cleansing, laxatives, overwork, and surgical and non-surgical intervention.

The advent of cosmetic surgery before the age of 30 has increased exponentially over the last ten years, and the increased use of surgical interventions in women over 40 years also increased rapidly during this same period of time. These interventions include minor procedures (chemical peels, botox, filler) and the main ones (face lift, liposuction, and other interventions that can increase the risk of death).

Unfortunately, some of these people die in their efforts to gain their body acceptance for themselves, and from others. So what needs to happen to lower the number of individuals who seem so committed to changing their bodies? Of course this is an old-fashioned question, but the answer is not as simple as self-acceptance.

Or is it?

For many people undergoing surgical intervention, it changes their lives. It changes the way they feel about themselves, regardless of how it may or may not change the way other people view it, and maybe here we have to draw the line. Right?

In other words, if the person improves their own perspective and they are unaffected by people outside them, is not that a sign of health? The answer is “yes” in some cases.

For example, take a person who decides to undergo surgical intervention because of the emotional pain they experience during most of their lives because of the part of their body they then choose to change, and who never regrets it because they find deep depth. the peace within them as a result. In this case, and many love it, I say “YES,” it’s definitely the right choice for the individual, because the change is for them and not become “more acceptable” by others.

However, consider people who suffer from all forms of eating disorders. They are not usually driven by what others think about their bodies. Instead, they are usually tortured by how they see themselves, and, regardless of how others ask them to eat because they are so skinny, they will argue that they need to lose a few pounds in order to be accepted by them.

Thus, it is also a personal choice based on how people perceive their bodies, as opposed to being “pushed” by outside forces. Right? Not.

We are all members of this society, and we have been taught from childhood from various sources, and what is not, is considered “beautiful”.

The decision to change our body in any form will sometimes be “infected” by social, health and not-so-healthy values. So, what we need to do is be very clear about the reasons why we do what we are doing to our bodies.

For example, what do we expect from that change? Are we going to change healthy physical and emotional ways? Are we ashamed of what we are doing to change our bodies?

If so, it might be a flag you should investigate. Another flag that reflects shyness is silent. Do we hope nobody will find what we do to change our bodies?

As a result, before making changes to our bodies, we need to really think about why we want to make it in the first place, and honesty is the key. Rejection, or in other words, lying to ourselves (and others) or drawing a number of reasons to justify our actions will only hinder our ability to

FR44 Springfield VA Insurance – Best Service Provider in the Field

FR44 Springfield VA Insurance – Best Service Provider in the Field

Breakthrough traffic regulations are a common issue almost everywhere in the world and the United States is no exception to this issue. People often get into trouble because of a rush driving, over speed and others, but the hardest is Driving Under Influence, DUI, of any nature, which is being balanced very seriously. If a person is caught in a DUI breach situation, immediate action must be taken by that individual to consult an expert lawyer to get professional help to get out of the problem with a positive solution. FR44 Springfield VA Insurance – Best Service Provider in the Field
But in many cases, the defendant gets punishment in accordance with state law, in the form of a fine, imprisonment, or both at the same time, which is quite inconvenient for anyone. It can be found that after filing a specific case with a duel attempt, that person may be found guilty and in such circumstances, the prisoner shall have FR44 insurance, which is nothing but a financial liability insurance certificate. After getting a penalty for the offense, the driver must file a FR44 which gives the least amount of coverage and the FR44 Springfield VA insurance can be of great help in obtaining essential assistance in preparing and filing the documents to the appropriate authorities. .

FR44 Springfield VA Insurance – Best Service Provider in the Field

Useful information about FR44

The situation, where FR44 filing is required, applies particularly in the State of Virginia and Florida, which is a mandatory requirement in cases of DUI offenses, is as follows:

? If the driver is caught in an abnormal state, affected by drugs, alcohol or other liquor; FR44 Springfield VA Insurance – Best Service Provider in the Field

? If the driver is caught driving a vehicle, while the driver’s license has been terminated due to other beliefs;

? In the case of being caught driving any car while the driver’s license has been suspended due to a Juvenile case or similar type of offense;

? If the driver has violated any of the provisions of federal law, legal provisions in other territories or violations of applicable local regulations. Springfield VA VA Insurance has all the knowledge, skills and expertise required, which can greatly assist their clients, who have been caught driving under the influence and gain confidence in the form of termination of licenses, fine or prison penalties, in filing the required FR36 with appropriate premium .

Limousines and Insurance

Across the United States, limousine rental services have a huge market and there are many companies and individuals, who have limousines or provide limousine rental services. While the market is so large, other support services are also there to provide assistance on various issues and limousine insurance is another important issue, which needs to be done to get appropriate coverage in the event of any damage. Limo Insurance Virginia has all the required knowledge of the information sector, as well as extensive exposure in the field and is able to provide structured and affordable services at:

? General Liability? Damage to any body or mechanical arrangement? Obligations of workshop? Compensation for workers and others. Most importantly, this unique service is available for all types of limousine vehicles with vehicle or fleet size.

4 Tips to Turn Your Bedroom into a luxurious Retreat

4 Tips to Turn Your Bedroom into a luxurious Retreat

The bedroom is a place that is supposed to offer relaxation and rest. The bedroom should be able to offer the best sleep so that you can have a cozy night and wake up refreshed. There is no limit to the décor ideas of the bedroom so you can get as creative as you want. But while decorating the bedroom you should make sure that there is a balance between aesthetics and comfort.
Having a bedroom that is a luxurious retreat is the most important room. To create the perfect bedroom you need to combine the right lighting fabrics and accessories. Here are a few tips that will help in creating a luxurious retreat.

Bed: the focal point:

The bed is the most important piece of furniture in the bedroom. It is the focal point of the room so make sure that it is the most gorgeous part of the whole room. Make sure that the bedding you use is luxurious and ensures comfort. For the chilly weather make sure that you have a 13.5 tog duvet while for summer you should have a light duvet. You can find an extensive variety of colors, designs and patterns so you will always be able to find the one that goes perfectly with the color scheme of the room. If you want to make your bed luxurious then you should never compromise on the quality of the bedding items you use. 4 Tips to Turn Your Bedroom into a luxurious Retreat

Adding lighting sources:

If you want the bedroom to feel like a bedroom of a five-star hotel then you need to pay attention to the lighting sources. The lighting plays a significant role in determining the feel and atmosphere of the room. If you want to create a relaxing and soothing atmosphere then you should make sure you use recessed lighting. Add side lamps to get task lighting. Installing dimmers will allow adjusting the intensity of the overhead lighting according to your preference. Add mirrors so that the light bounces off around the bedroom. it will make the bedroom look comfortable and warm. If you have a small bedroom the mirrors will make it look spacious as well.

The color palette:

The color palette of the room plays an important in making the room soothing and relaxing. The bold prints and colors are not the best choice for creating a calm environment. The pastel colors are a good choice a luxurious and relaxing look. The shades of green and blue are a nice choice. The neutral color base makes it easy to refresh the look of the room from time to time without changing everything because they go well with most of the colors.

Fresh smell:

The smell of the place also affects the atmosphere of the bedroom so make sure that the bedroom smells nice. Natural oils like lavender or light incense can bring a lot of freshness to the room. The nature inspired scents are a perfect way of adding luxury to the room.

If you want to make the bedroom a luxurious retreat then you should make sure that you make high-quality and smart decisions.

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The bedroom is a place that is supposed to offer relaxation and rest. The bedroom should be able to offer the best sleep so that you can have a cozy night and wake up refreshed. There is no limit to the décor ideas of the bedroom so you can get as creative as you want. But while decorating the bedroom you should make sure that there is a balance between aesthetics and comfort.

Having a bedroom that is a luxurious retreat is the most important room. To create the perfect bedroom you need to combine the right lighting fabrics and accessories. Here are a few tips that will help in creating a luxurious retreat.

Bed: the focal point: 4 Tips to Turn Your Bedroom into a luxurious Retreat

The bed is the most important piece of furniture in the bedroom. It is the focal point of the room so make sure that it is the most gorgeous part of the whole room. Make sure that the bedding you use is luxurious and ensures comfort. For the chilly weather make sure that you have a 13.5 tog duvet while for summer you should have a light duvet. You can find an extensive variety of colors, designs and patterns so you will always be able to find the one that goes perfectly with the color scheme of the room. If you want to make your bed luxurious then you should never compromise on the quality of the bedding items you use.

Adding lighting sources:

If you want the bedroom to feel like a bedroom of a five-star hotel then you need to pay attention to the lighting sources. The lighting plays a significant role in determining the feel and atmosphere of the room. If you want to create a relaxing and soothing atmosphere then you should make sure you use recessed lighting. Add side lamps to get task lighting. Installing dimmers will allow adjusting the intensity of the overhead lighting according to your preference. Add mirrors so that the light bounces off around the bedroom. it will make the bedroom look comfortable and warm. If you have a small bedroom the mirrors will make it look spacious as well.

The color palette:

The color palette of the room plays an important in mak

A Time Line To Create Wealth

A Time Line To Create Wealth

PALOS VERDES, CA- Our investment philosophy is based on an individual’s chronological time line, which consists of three periods: (1) asset accumulation, (2) wealth building, and (3) asset conservation and how they are used to create wealth
The Playing Field is not level

 

The financial journey through life’s time line starts at different levels, depending on whether you were born with a plastic or a silver spoon in your mouth. As you travel through your time line, your in-vestment options change. Knowing where you are and what options are available will help you make the right choices.

A Winning Financial Plan up to Age 35 A Time Line To Create Wealth

The first chronological period of your life—mid-twenties to mid-thirties—should be devoted to accumulating assets and acquiring basic necessities. When you’re just starting out, your assets are usually limited and the major portion of your income goes for the basic needs—food, clothing, and shelter.

This is the time to save, save, save! Amass as many investment dollars as possible. Your approach to investing during this period should be through tax-deferred plans at work or Individual Retirement Accounts (IRAs). Your degree of risk should be moderate. Investments included in this category are high quality corporate bonds, blue chip stocks, and growth-oriented no-load mutual funds.

Every effort should be made to purchase a home now. The advantages, from tax savings and equity buildup, historically outweigh the short-term benefits of lower monthly rent payments.

Be careful when sheltering yourself and your family from liability. Only pay for protection when you’re purchasing life insurance. Purchase whole life insurance if it will yield a higher rate of return than other investments. After reading the chapter on asset protection, you might seriously consider reducing your liability coverage.

Remember, your main financial goal during this time is tax-deferred accumulation of capital. Don’t take risks with your investments. Save as much as you can so that when you enter the next phase of the time line you’ll be ready to move forward. A Time Line To Create Wealth

Investing between the Ages of 35 and 50

After earnings have increased, assets have been accumulated, and necessities are under control, it’s time to move on. Ready or not, you must face the challenges during this aggressive investment period of your life, when you are between your mid-thirties and early fifties.

The Best Financial Plan for You

Your best financial plan is to create the maximum wealth during this aggressive investment period of your life. Build financial security yourself. Don’t rely on others to do it for you. Many people who relied on major banks and insurance companies for financial security ended up short when these institutions failed. The social security system will not do much better.

You should be careful not to over diversify your assets or adopt a “hold-back” attitude. You must concentrate your assets into one or two aggressive investments rather than spreading them out. Diversification often leads to ineffectiveness.

What if you fail during this period? What is your down side? If you consider your ability to bounce back because of your age, the political influence of your generation, taxes, and inflation, the real risk is minimized. Make your aggressive investments now. As you get older, your ability to rebound declines. If you do not try at this stage in your in-vestment time line, you probably will never do it, and more importantly, you will never know whether you could have made it.

Control Risks A Time Line To Create Wealth

Becoming wealthy requires taking “controlled” risks. If anyone tells you that they became wealthy without taking any risks, they inherited wealth or they won the lottery. Years ago, I discovered that real estate was the best investment to control risk and to create wealth. The Real Estate Digest reports that seven out of ten millionaires made their money in real estate, and Forbes Magazine states that there is a three times greater chance of becoming wealthy through real estate than with any other type of investment.

Real estate allows you to control your risk because you can actively participate in the decision-making process. Passive investments such as stocks don’t give you this opportunity. Movements in real estate values are less erratic than in the stock market. Most people don’t understand the economic forces influencing the market. Since real estate is less volatile, it’s easier to control and to understand. Real estate is tangible. You can touch it, you’ve been exposed to it all your life, and you can identify with it. As a result of this familiarity, you are better able to understand it.

Annual travel insurance Some alarming statistics

Annual travel insurance Some alarming statistics

Statistics relating to public understanding of the need for single or yearly travel insurance are truly terrible.
That means a large number of people leave the UK every year without proper cover – and the results can be disastrous.

 

Terrible facts

Regardless of the government’s efforts and the insurance industry to draw people’s attention to the importance of travel insurance:

• Almost a quarter of all people travel out of the UK without insurance • That number increases by almost 50% for people in the 15-24 year age group.

To understand why these numbers should be alarming, keep in mind that on 2011/12:

• Every day, an average of 10 UK people are hospitalized while abroad

Why Do People Not Take Closures?

There is no definite answer to the question but it is possible to draw two definite conclusions. Annual travel insurance Some alarming statistics

First, higher statistics in the 15-24 age range indicate that young people may suffer the invincible illusion of youth and the syndrome “will never happen to me”. Unfortunately, they are too often wrong.

That’s especially true for this age group, as they are most likely to exercise strenuous sports, hazardous sports or related activities.

A second and more worrying cause is the false belief that the European Health Insurance Card (EHIC) provides ‘free health insurance’. Almost 20% of all age groups consider that the problem.

In fact, apart from only one or two non-EU European countries with affiliates, EHIC does not cover any other country outside the EU. Even in the EU country, EHIC covers only medical expenses that can also be free from local residents in the country itself. Therefore, it will not cover such things as medical repatriation, additional hotel and flight costs for health care providers etc.

The falsely linked assumption of about 17% of travelers without a single trip or annual travel insurance is that somehow the UK government will pay for their medical repatriation, if that need arises. That is not the case at all and even if the government does help, they may take legal action to return the money from you once back in England.

Cost Annual travel insurance Some alarming statistics

The above statistics are alarming in themselves, but it is even more alarming because of poor awareness of how expensive medical care abroad.

In the United States, for example, major surgery and medical care can easily generate bills that reach hundreds of thousands of pounds – or even millions in extreme cases. It is not often recognized that in some situations, some countries may refuse to provide medical assistance to you unless you can indicate that you have the means to pay for it – usually a single or annual travel insurance.

Conclusion

The current level of misunderstanding regarding the risks and potential costs of medical care abroad coupled with significant confusion regarding the role of EHIC causes a large number of British people to travel abroad each year with little or no cover.

This must be resolved as soon as possible through some form of publicity campaign that is relaunched.

A single travel insurance, family or good travel insurance is usually not expensive and is a small price to pay for peace of mind.

Patrick Chong is the Managing Director of InsureMore, an award-winning specialist team in a single global travel and annual travel insurance policy. In addition to offering attractive offers for travel insurance, Patrick also collects and shares the best free travel competitions to help his clients get the most out of their holiday. Annual travel insurance Some alarming statistics