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Life Insurance- Meaning and Advantages

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Life insurance

Life insurance or commonly mentioned as “life assurance” in the Commonwealth, is a contract between an insurance policy holder and an assurer or insurer , where the insurer promises to pay a designated beneficiary a sum of money or the benefit in exchange for a premium, upon the death of an insured person (often the policy holder). It is depending on the contract, other events for example terminal illness or critical illness can also trigger payment. The policy holder naturally pays a premium, either on a regular basis or as one lump sum. Other expenses (for instance funeral expenses) also can be included in the benefits.

Life policies are lawful contracts and the terms of the contract explain the limitations of the insured incidents. Particular exclusions are often written into the contract to limit the liability of the insurer; widespread examples are claims relating to suicide, fraud, war, riot, and civil commotion.

Life-based contracts tend to fall into two main categories:

Protection Policies – It is designed to offer a benefit, typically a lump sum payment, in the event of specified event. A general form of a protection policy design is term insurance.

Investment Policies – where the major objective is to make easy the growth of capital by normal or single premiums. Common forms (especially in the U.S.) are universal life, whole life, and variable life policies.

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Advantages of Life Insurance

Life insurance provides an infusion of cash for trade with the adverse financial penalty of the insured’s death. Life insurance enjoys complimentary tax treatment unlike any other financial implement. Death benefits are normally income-tax-free to the beneficiary.

Life Insurance provides the double benefits of savings and security. The following benefits give details why this investment instrument should be an essential part of your financial plans.

  • Risk Cover – Today life today is full of uncertainties; in this scenario Life Insurance ensures that your loved ones continue to enjoy a good quality of life against any unforeseen event.
  • Planning for life stage needs – Life Insurance not solely provides for backing within the event of untimely death however conjointly acts as a protracted term investment. You’ll meet your goals, be it your children’s education, their wedding, building your dream home or coming up with a relaxed retired life, in line with your life stage and risk appetence. Traditional life insurance policies i.e. traditional endowment plans, offer in-built guarantees and defined maturity benefits through variety of product options for example Guaranteed Cash Values, Money Back, and Guaranteed Maturity Values.
  • Protection against rising health expenses – Life Insurers through riders or stand alone insurance plans provide the advantages of protection against vital diseases and hospitalization expenses. This profit has assumed vital importance given the increasing incidence of life style diseases and escalating medical prices.
  • Builds the habit of thrift – As we know life Insurance is a long-term contract where as policyholder, you have to compensate/pay a fixed amount at a defined periodicity. This builds the custom of long-term savings. Habitual savings over a long period ensures that a decent amount is built to meet financial or monetary needs at various life stages.
  • Protection plus savings over a long term – Since usual policies are viewed both by the distributors and the customers as a long term promise; these policies facilitate the policyholders meet the dual want of security and long term wealth creation competently.
  • Assured income through annuities – Life Insurance is one of the best tools for retirement planning. The money saved during the earning life span is utilized to afford a steady source of income during the retired phase of life.
  • Growth through dividends – Customary policies recommend an chance to participate in the economic growth without taking the investment risk. The investment income is distributed among the policyholders through annual proclamation of dividends/bonus.
  • Facility of loans without affecting the policy benefits – Policyholders have the choice of taking loan against the policy. This helps you meet up your unplanned life period needs without adversely affecting the benefits of the policy they have bought.
  • Mortgage Redemption- Insurance acts as an effective tool to cover mortgages and loans taken by the policyholders so that, in case of any unforeseen event, the burden of repayment does not fall on the bereaved family.
  • Tax Benefits-Insurance plans provide attractive tax-benefits for both at the time of entry and exit under most of the plans.

NEXT: Buying Financial Insurance Policy in Canada

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How have information systems affected everyday life?

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How have information systems affected everyday life?
Though computer systems have been sources of effectiveness, efficiency and wealth, they have a number of negative impacts. Computer errors can cause serious damage to individuals and organizations. Poor data quality is also responsible for losses and disruptions for businesses. Jobs can be lost when computers substitute workers or tasks become needless in re-engineered business processes. The ability to possess and use a computer may be exacerbating socioeconomic disparities among different ethnic groups and social classes. Extensive use of computers raises opportunities for computer crime and computer abuse. Computers can also produce health problems, for example computer vision syndrome, RSI and techno stress.

NEXT: Why Do Contemporary Information Systems Technology And The Internet Pose Challenges To The Protecting Of Individual Privacy And Intellectual Property?

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What Specific Principles For Conduct Can Be Used To Guide Ethical Decisions?

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What Specific Principles For Conduct Can Be Used To Guide Ethical Decisions?
There are Six(6) ethical/moral principles to judge conduct include the Golden, Rule, Immanuel Kant’s Categorical Imperative, the Utilitarian Principle, the Risk Aversion Principle, Descartes’ rule of change and the ethical “no free lunch” rule. These type of principles should be used in combination with an ethical analysis.

education-finance-accounting-business-marketing-banking-law-human-resource

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Managers Need To Know To Build And Use Information Systems Successfully

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Which Features Of Organizations Do Managers Need To Know About To Build And Use Information Systems Successfully? What Is The Impact Of Information Systems On Organizations?

All current organizations are specialized, hierarchical and impartial using explicit routines for maximizing competence and efficiency. All organizations have their personal cultures and politics arising from differences in interest groups and they are truly affected by their surrounding environment. Organizations vary in goals, served, group’s leadership styles, incentives, social roles, types of tasks performed and type of structure. These characteristics help make clear differences in organizations’ exercise of information systems. Information systems and organizations wherein they are used act together with and influence each other. The introduction of a new information system will affect organizational structure, goals, values, work design, and contest between interest groups, decision making and day-to-day behavior. At the same time, information system must be designed to provide the needs of significant organizational groups and will be shaped by the organization’s structure, processes, business culture, goals, politics and management. Information technology can decline agency costs and transaction and such changes have been accentuated in organizations using the Internet. Latest systems disrupt established patterns of work and power relationships; therefore there is often significant conflict to them when they are introduced.

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NEXT: What Specific Principles For Conduct Can Be Used To Guide Ethical Decisions?

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Blair Witch (2016)-Review and Official Trailer

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Blair Witch (2016)-Review and Official Trailer

2016 ‧ Thriller/Horror ‧ 1h 29m

Blair Witch (2016) is an American found footage psychological horror film which directed by Adam Wingard and written by Simon Barrett. It is a direct sequel to The Blair Witch Project and stars James Allen McCune, Brandon Scott, Callie Hernandez, Wes Robinson, Corbin Reid and Valorie Curry. The movie follows a group of college students and their neighboring guides who venture into the Black Hills Forest in Maryland to uncover the mysteries surrounding the vanishing years ago of Heather Donahue, the sister of one of the characters. Primarily, the film’s link to the Blair Witch franchise was kept secret, with the film having been shot under the fake title, The Woods.

A young man and his friends venture into the Black Hills Forest in Maryland to uncover the mystery surrounding his missing sister. Many believe her disappearance 17 years earlier is connected to the legend of the Blair Witch. At first the group is hopeful, especially when two locals act as guides through the dark and winding woods. As the night wears on, a visit from a menacing presence soon makes them realize that the legend is all too real, and more sinister than they could have ever imagined.

  • Initial release: September 15, 2016 (Brazil)
  • Director: Adam Wingard
  • Film series: The Blair Witch Project film series
  • Producers: Keith Calder, Roy Lee, Steven Schneider, Jess Calder
  • Production company: Vertigo Entertainment

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Top 10 Most Expensive Google Keywords (Updated)

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Top 10 Most Expensive Google Keywords

The Top 10 Most Expensive Keywords are:

  1. Insurance
  2. Loans
  3. Mortgage
  4. Attorney
  5. Credit
  6. Lawyer
  7. Donate
  8. Degree
  9. Hosting
  10. Claim

You will see that these top ten most expensive AdWords keywords deal mainly with financing and industries that manage vast sums of money. The fact that the educational keyword “degree” is one of the top 10 most expensive and exclusive Google keywords, right up with lawyers and credit, reminds us of the growing cost of education.

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Now the next 10 most expensive keywords complete our total list, resulting the top 20 most expensive AdWords keywords:

  1. Conference Call
  2. Trading
  3. Software
  4. Recovery
  5. Transfer
  6. Gas/Electricity
  7. Classes
  8. Rehab
  9. Treatment
  10. Cord Blood

Six sectors pay the big money

In addition to gambling, there are 4 other special sectors that appear in top 100. Companies in these categories require deep pockets to buy ads on Google. They are as follows:

  • Technology [10/100]
  • Finance [8/100]
  • Legal [3/100]
  • B2B [2/100]

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Justice League (2017): Review and Trailers

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Justice League

2017 film

Justice League (film 2017) is an upcoming American superhero film based on the DC Comics superhero team of the same name, distributed by Warner Bros. Pictures. It is intended to be the fifth installment in the DC Extended Universe. The film is directed by Zack Snyder, with a screenplay by Chris Terrio, and features an ensemble cast that includes Ben Affleck, Henry Cavill, Gal Jason Momoa, Gadot,  Ezra Miller and also Ray Fisher. In Justice League, Batman and Wonder Woman bring together a team consisting of The Flash, Aquamanand Cyborg to face the catastrophic threat of Steppenwolf and his army of Parademons.

This movie was announced in October 2014 with Snyder onboard to direct and Terrio attached to write the script. Principal photography commenced on April 11, 2016. Justice League is scheduled to be released on November 17, 2017 in 2D, 3D and IMAX 3D.

Batman (Ben Affleck), Superman (Henry Cavill), the Flash (Ezra Miller), Wonder Woman (Gal Gadot), Aquaman (Jason Momoa) and Cyborg (Ray Fisher) unite to battle the evil Steppenwolf.

  • Initial release: November 16, 2017 (Denmark)
  • Director: Zack Snyder
  • Film series: Justice League Film Series
  • Cinematography: Fabian Wagner
  • Produced by: Deborah Snyder, Charles Roven, Geoff Johns

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Alien: Covenant- Review and Trailers

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Alien: Covenant- Review and Trailers
Alien: Covenant is an upcoming American Science Fiction Horror Film which directed by Ridley Scott and written by John Logan, Michael Green, and Jack Paglen. It is sequel to the 2012 film Prometheus, second installment in Alien prequel series, and sixth installment overall in Alien film series. The film stars Katherine Waterston and Michael Fassbender, with Danny McBride, Noomi Rapace, and Demián Bichir in supporting roles. The film is scheduled to be released on August 4, 2017.
Bound for a remote planet on the far side of the galaxy, the crew of the colony ship Covenant discovers a dark world whose sole inhabitant is David (Michael Fassbender), the synthetic survivor of the doomed Prometheus expedition.

Initial release: August 4, 2017 (USA)
Director: Ridley Scott
Film series: Alien
Cinematography: Dariusz Wolski
Music composed by: Harry Gregson-Williams

Alien: Covenant-cast

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The Legend of Tarzan (2016): Film Review And Trailers

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The Legend of Tarzan
It is been almost a decade since Tarzan (Alexander Skarsgård), also known as John Clayton III, left Africa to live in Victorian England with his wife named ‘Jane’. Danger lurks on horizon as Leon Rom (Christoph Waltz), a treacherous envoy for King Leopold, devises a scheme that lures the couple to Congo. Rom plans to capture Tarzan and convey him to an old enemy in exchange for diamonds. When Jane becomes a pawn in his devious plot, Tarzan must return to jungle to save the woman he loves.

Initial release: June 30, 2016 (Russia)
Director: David Yates
Distributed by: Warner Bros.
Box office: 354.7 million USD
Budget: 180 million USD

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Which Features Of Organizations Managers Need To Know About Building And To Use Information Systems Successfully? What Is The Impact Of Information Systems On Organizations?

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Which Features Of Organizations Managers Need To Know About Building And To Use Information Systems Successfully? What Is The Impact Of Information Systems On Organizations?

All recent organizations are really specialized, hierarchical and also impartial using constant and also explicit routines to maximize efficiency, competence. About all organizations have their own politics and cultures which are arising from differences in their interest groups and are really affected by their surrounding situation/environment. Organizations differ in goals, groups served, leadership styles, social roles, incentives, types of tasks that are performed and type of structure. These type of features really help to make flexible/clear differences in organizations’ use of information systems. Information systems and organizations wherein they are used act together with and persuade each other. The introduction of a latest information system will easily affect organizational structure, values, goals, work design, and competition between interest groups, decision making and also day-to-day behavior. At the same time, information system must be designed to serve/provide the needs of significant organizational groups and will be shaped by the organization’s structure, business processes, culture, goals, politics and management. Information technology can decrease agency costs and transaction and such type of changes have been accentuated in organizations using the Internet. New systems disrupt established patterns of power relationships and work, so there is often considerable conflict to them when they are come to introduced.

NEXT: What Specific Principles For Conduct Can Be Used To Guide Ethical Decisions?

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