#What is Critical Illness Riders

[term-insurance]

How To Choose Critical Illness Health Insurance I Critical Illness Riders

Critical illness insurance, otherwise known as critical illness cover or a dread disease policy, is an insurance product in which the insurer is contracted to typically make a lump sum cash payment if the policyholder is diagnosed with one of the specific illnesses on a predetermined list as part of an insurance policy. The policy may also be structured to pay out regular income and the pay-out may also be on the policyholder undergoing a surgical procedure, for example, having a heart bypass operation.

[batsplat]

hello i saw in your tags that you don't think people on here get casey stoner and as someone relatively new into the sport i would love to hear your thoughts <3

(context here) okay first of all, this post will be framed as ‘things I wish people talked about more with regards to casey stoner’, rather than arguing against what I think people think

I've tried to come up with a concise response to this ask but kept heading into thesis-length territory. so I decided to write a bullet point list and it’s still… yeah… but well it could be worse. if you, dear anon, wish to read thousands of words of casey stoner lore then please let me know. otherwise, here are just a few things I find interesting about this bloke:

casey has a very complex relationship with the concept of confidence, both in other riders and himself, in the sense that he KNOWS how important it is but also believes/wishes that he specifically is kinda above all that

this feeds into how he wishes that racing were Just Racing and not all this other stuff… not his brain not his body not other racers being assholes on/off track not talking to journalists or doing photoshoots not having to deal with politics etc etc - central underlying tension of his career

he has openly spoken about not ever really enjoying race day, saying the only thing he's missed after retiring is qualifying. very perfectionist, the anxiety, the over-thinking, craving control… all key casey traits

(which also ties in with the valentino rivalry, because valentino obviously adores racing (in particular wheel-to-wheel battle) but he’s also great at all that other off-track stuff)

some very rigid ideas of How The Sport Should Look, which you can see in everything from how he talks about racing standards to the introduction of CRT riders (he had it OUT for them, head hot every time aleix espargaro shows up in parc fermé) to valentino’s influence on ducati and the importance of the colour red

let him have his mean streak! the grim satisfaction in discussing jorge’s 2008 injuries after his early-season arrogance towards casey, the dismissiveness towards dani, some of the wilder valentino remarks (this isn’t a criticism to be clear, alien-on-alien violence is part of the natural order of things)

casey is a classic case of ‘just because you’re paranoid, doesn’t mean they aren’t after you’. definitely a suspicious guy and perpetual underdog 'me against the world' mindset. not to get too psychoanalytic-y, but I reckon this was partly born out of how he had to leave australia as a teenager (with his family completely dependent on him succeeding) because of how the racing establishment down under fucked him over

they definitely were out to get him a lot of the time, cf yamaha and then ducati drama plus the slander from some of the greats of the sport, fellow riders, the media etc etc (particularly egregious in 2009 when he was dealing with his mystery illness and a lot of people said some pretty unpleasant stuff in his absence - here is just one example)

his struggles were constantly downplayed. the chronic fatigue misdiagnosed as lactose intolerance led to people calling him weak-minded, broken, running away from the sport (part of why he was so allergic to the idea his results might in any way be connected to what was going on in his head). add in the undiagnosed anxiety and you have all this invisible strife people wouldn't even take seriously

that being said, he definitely did have a propensity for jumping to the worst possible conclusions

two specific examples: firstly from his autobiography, where he makes the claim that valentino may have been sabotaged in the 2006 title decider and was deliberately given a rubbish tyre to make him lose the championship - to which casey’s response was: “welcome to my world, mate”. he does have a tendency to believe he’s being sabotaged, and is constantly on the look out for conspiracies even when they are… unlikely

the other example is mat oxley talking about his issues with casey in his stint working for ducati, partly based on a misunderstanding:

something allegedly written about him in 2001!

let’s just say he can definitely hold a grudge

the moaner stoner stuff was definitely nasty, calling him mopey and whiny and all of that, but he also has never shied away from some good old-fashioned complaining (some of this was a bit of a spiral - complaining for good reason worsening public perception of him leading to more reasons to complain)

see also the lingering marc grudge, who probably did play a significant part in getting casey kicked out of honda (as casey has accused him of). whether marquez prevented stoner from racing in 2015 is more of an open question. casey still speaks about how honda made a mistake by only listening to marc (which, again, does have some truth to it)

casey was always very quick to shut down the idea that momentum, motivation, confidence etc could affect his results (unlike that of his competitors) because he argues he was always very rational & clear-sighted about when things were his fault & when things could be blamed on the bike + extraneous factors. he really goes into detail about this when discussing 2008 laguna seca in his autobiography, which he argues had no effect on him psychologically (but was followed by him crashing out of the lead of the next two races)

has definitely spoken more about his rivalry with valentino than valentino has, which probably has also helped shape perception of it over time

on ‘ambition outweighed talent’ - I feel like people almost understate just what a (hilariously) out of pocket remark it was in context. it was rossi’s second ever race at ducati (and the start of his season was impacted by his shoulder issues) - and the rain meant he had a ~win it or bin it~ approach because he knew it was as good a chance as he might get for some time (despite starting from 12th). the move on stoner for second place was at best optimistic, most definitely impatient and at worst foolish - but sort of understandable in that situation, rossi was definitely rapid, and this stuff can happen in the wet. in that sense, it was obviously more a reaction to the manner of the apology (and his frustration with the stewards) than to what casey himself described as a racing incident

stoner made a remark in his autobiography about how rossi had stolen 25 points in a title battle he was never going to be a part of (oof). whether you're obligated to race title contenders differently is already a bit sketch but certainly should not be a consideration for anybody in round TWO

he was forced to publicly retract the remarks, though he doubled down on them to a deeply funny extent in his autobiography by suggesting they were true of valentino’s entire career and that he’d just benefited from a weak era. rossi mostly took it on the chin especially when interviewed about it for documentaries, probably because with something like that you do just need to take the L

it's understandable how it’s become such a defining image of their rivalry (along with laguna seca), not least because of how evocative the whole thing is - rossi showing up still wearing his helmet, trying to make a PR apology stick while he’s been eating nauseating amounts of humble pie at ducati; stoner casual as you like, pissed off about the points loss while still indulging in schadenfreude about how the Great Big Ducati Adventure is working out for rossi

but again, I think it’s funnier because of just HOW over the top an insult it was in that situation (and more broadly how it does have a different vibe to their interactions when they were meaningfully competing, aka 2007-2008)

in conclusion: casey has his doubts and his insecurities and his obsessions and his foibles… a complicated guy in his own right

and a big thing I’d like to stress here is that the rivalry with valentino does benefit from treating them both as somewhat unreliable narrators

I just think he's neat

[best-female-villain-tournament]

best female villain tournament!

SEASON 2

RULES:

- Only submit the same character once

- Multiple submissions with different characters are fine!

- Matchups will be posted as soon as I have enough submissions and will include the most submitted characters

-Resubmissions are fine as long as they weren’t on the tourney last time

- Please be as detailed as possible

I had issues on my end with some technicalities and media’s. eg a lot of characters from the hatchetfield musicals by team starkid were just submitted as hatchetfield which made it harder to search for them to identify them and get pictures etc. If those and similar fandoms could be submitted with what musical etc they’re from that would be great :)

Those who sent submissions through my askbox will be getting submitted by me unless it was off anon(because you’ll be getting a notification)

Cool people/awareness tags:

@tournament-announcer @bisexual-protagonist-competiton @the-ballerina-battle @the-great-british-blorbo-off @pinkhairswagtourney @childhoodfriendstoloversshowdown @most-tragic-character-tournament

characters in the last poll(please do not submit):

Makima(Chainsaw Man)

Dahlia Hawthorne(Ace Attorney)

The Handler(The Umbrella Academy)

Margaret Slitheen(Doctor Who)

Linda Monroe(Hatchetfield)

Miyo Takano(Higurashi When They Cry)

Diane Makepeace(Layton Brothers: Mystery Room)

Marisa Coulter(His Dark Materials)

Vespera(Keeper of the Lost Cities)

Master Cyclonis(Storm Hawks)

Exellinor the Witch(How To Train Your Dragon(books))

Lady Felmet(Discworld(Wyrd sisters))

Magica De Spell(Ducktales)

Twyla Sophio(Cemetery Mary)

Liliana(Oxventure)

Marie Campbell(Killer Frequency)

Jezaille Brett/Asa Shinn(Ace Attorney)

White Diamond(Steven Universe)

Medusa(Kid Icarus)

Bryce Tankthrust(Brandon Rogers/Bryce Tankthrust, CEO)

Beatrice(Umineko When They Cry)

Shiela young(Hatchetfield)

Odalia Blight(The Owl House)

Cora Mills(Once Upon a Time)

Alcina Dimitrescu(Resident Evil)

GLaDOS(Portal)

Eris(Sinbad)

Beroba(Kamen Rider Geats)

Poison Ivy(DC)

Harumi(Ninjago)

Lusamine(Pokemon)

Arlecchino(Genshin Impact)

Dr Olivia Octavius(Spiderman: Into The Spider-verse)

The Other Mother(Coraline)

Granny Rags(Dishonoured)

Larxene(Kingdom Hearts)

Morgana Pendragon(BBC Merlin)

Barbara Burgess(The Goes Wrong Show (90 Degrees))

Cinder Fall(RWBY)

Lanfear/Selene(Wheel of Time)

Azula(Avatar: The Last Airbender)

Queen Chrysalis(My Little Pony)

Mother Gothel(Tangled)

Cruella de Vil(101 Dalmations)

Missy(Doctor Who)

Nightmare Moon(My Little Pony)

Himiko Toga(My Hero Academia)

Maleficent(Sleeping Beauty)

The Iron Queen(Sonic the Hedgehog)

Lust(Fullmetal Alchemist)

Shego(Kim Possible)

Queen Beryl(Sailor Moon)

Medusa Gorgon(Soul Eater)

The Enchantress(Shovel Knight)

Delilah Briarwood(Critical Role: The Legend of Vox Machina)

Delilah Copperspoon(Dishonored)

Kaia(Motorcity)

Lady Gisela Sencen(Keeper of the Lost Cities)

Evelyn Deavor(the Incredibles)

Yzma(Emperors New Groove)

Madalena(Galavant)

Ragyo Kiryuin(Kill la Kill)

The Prince(Bullet Train)

Queen Cersei Lannister(Game of Thrones)

[where-dreamers-go]

Could I possibly request Eragon kissing reader for the first time, perhaps after a battle where emotions are high?

“Blood And Kisses” Eragon x Reader

(A/N: Thank you for requesting! So, I may have wrote this slightly more intense than planned. In my defense, I was watching Critical Role and trying to write at the same time. Warnings: Mentions of blood and fallen foes. Angst. Romance. Word Count: 683 words)

This was not how the trip was suppose to go. There had not been a plan in place for bloodshed. Not like that. Not with you with him.

Seeking out new locations and possible allies was suppose to be awkward and formal.

Eragon wished he had been in a diplomatic meeting as he wiped the blood off of his hand. The smear and stain was not his own.

A group of angry, loud, and fiercely loyal men had ambushed Eragon and yourself. No proper introductions.

Who the men were devoting themselves to? Eragon had no clue.

All the Dragon Rider knew then was that he needed to keep the pair of you alive. So he had you run. They wanted the magic user, the Dragon Rider. The hero.

Panting, Eragon did not begin to ponder how they knew him. Covered in sweat, he searched for you. His dear friend who was ill prepared for the amount of foes. His friend who held his heart.

Reaching out with his mind, he felt for your familiar presence. Those thoughts woven within images and songs.

Eragon’s heart hammered in his chest and distracted his hearing.

Where have they gone? He thought in worry as he stepped passed another lifeless body.

Faith that you avoided harm slipped from him every second without you in his sights. He needed to see you. Immediately. His close and dearest friend.

Brown eyes glanced towards any small change in his new environment. A bend in the grass. A creak of a door. Anything.

Where were you hiding?

Were there men Eragon had not stopped?

Did any target you?

The Dragon Rider could not bare the thought. His questions, his pleas, could only be answered once he found you. Once you were with him again. Close and safe. Out of any danger.

We need to leave this place. Whether those that attacked live in town or not, Eragon thought firmly, we need to go.

Boots hurriedly crossed atop trampled grass, he peered passed the last building on the road. Beyond that lay woods, hidden in the heavy shadows of sunset.

“Eragon.” A recognizable voice carried through the clutter along the back of the building.

He rushed forward without a thought. Spotting your form as you stood from your hiding place, relief flooded through his body and mingled in a whirling pool of emotions.

Before you could utter a single word, Eragon was in your personal space. His hand were examining yours with frantic intent upon sight of drying blood.

“Are you hurt?” Eragon asked, fingers moving to check your face. No ounce of timidness. He had no room for it.

“No. I got away.”

“You’re sure?” He tilted your face, gaze strong and heavy, not too unlike his breathing.

“I did what I had to. I’m not hurt physically. I promise.” You grabbed his forearm. “Are you all right?”

Eragon could see his worry mirrored in your eyes. He had never been so afraid of losing you. So suddenly. A scare of never seeing the light shining in your eyes again.

They’re alive.

Taking in a breath, Eragon leaned forward and became the closest he had ever been to his dear friend. Lips capturing your own with all of the weight of his emotions. The good, the bad, and the whatever he could describe running through him as he kissed you. Firm pressure as even his fingers barely moved on your face.

A minuscule separation for air and Eragon felt your free hand tangle into his hair.

“I can’t lose you.” Eragon whispered against your lips. His throat constricted upon hearing his own words. “I can’t. I’m sorry.”

You gave his forearm a light squeeze. “No apologizing. Breathe.”

“We must leave.”

“My dear, Eragon, catch your breath.”

Most tension left his muscles. Being with you allowed him to be himself. No mighty titles.

Yet the Dragon Rider found your order difficult. His attention securely on you as your lips greeted his own softly and your hands held him in a tender embrace. A caring love.

How could he ever breathe normally again? 

~~~

(If you love my writings and want to support me, I have a Ko-Fi where you can buy me a coffee. I would be eternally grateful.

Best wishes and happy reading.)

~~~~~

DreamerDragon Tags: 

Inheritance Cycle Tags: @shewhobreathesfire @

**Let me know if you would like to be tagged in insert readers, either through replies, ask, or message.**

[sparklecareforrealjustice]

this post is going to be about the fandom in general the whiteknighters the critters and kc so this will be a longer post from me broskis so in any fandom theres a bunch of ways to enjoy a medium however theres been an increase in vitriolic behaviors towards kc and her person i personally may not agree with kc nor her behaviors but more recently posts directly digging on her and proclaiming her nonsensical things have become more popular which is disturbing to see as not only are these posts hurtful but also creates and breeds ill-will for a mostly well meaning person who may incidentally be ignorant if you spot ignorance from kc the best way to deal with it isnt insulting squeaks character nor harassing and sending death threats more often than not talking to her or making a post about it to spread awareness is fine now all of this isnt to say that kc isnt without flaw nor is her comic claims of kc scamming being one flaw of the creator but the second you come to your sparklecrit blog and start insulting and attacking kc and using your audience to turn against her and then use the mask of 'criticism' thats not cool sparklecriticism should be about the comic not the creator not the fandom the comic which is a massive difference and while yes I am technically hopping on my sparklecrit account it is tagged with fandom criticism not sparklecriticism as this is by no means about the comic plus misusing the platform to harass and attack creators is generally not cool either and by slapping 'oh its sparklecriticism' your smearing the name upon those who mean genuine good will and not saying you have to suck up to or adore kc youre allowed to dislike her but if you dont like her simply dont talk to or interact with her as long as she isnt actively harming people or breaking the law bun should be allowed to be given space and not hated to her face however ever defending or arguing to not harass kc can be called a dick rider by some of the (more extreme) crit community because to some of these folks kc is irredeemable and deserves harm if you think kc or someone who mildly displeases you deserves harm torment or extended pain please step away and re evaluate as that thought process is not healthy for you or those around you now earlier i mentioned whiteknights and kc which is now what i will be digging upon now whiteknighters are a whole other can of worms they assume anyone with criticisms are to attack and harass kc they assumethat every glance is to harm someone in reality criticizing is a form of adoration for a medium as these folks feel so much passion and so much love for this project which takes time and effort to build and make it shows that there is so much love that someone can feel actual pain when they believe a character or scene is miscahracterized but whiteknighters have a very black and white view they give no room for sparklecritters to breathe nor say their piece and take every phrase and word as pure evil incarnate whilst on the other end these same whiteknighters will see kc and defend fen with tooth and nail any wrongdoing or miscommunication or harm is perfectly fine and surely the others blowing it out of proportions which isnt healthy either as we are all human and have flaws and to think one human is above the rest for any reason is obsessive to praise one and say that any mistake was merely an accident and does not need to apologize is lethal self adoration and praise will just lead to a point where others will be shoved away and silenced unless they do the utmost to praise at all moments being a complete opposite of the criticism side this post is more about how both sides can have some really strong extremists as most fans are chill and are willing to talk and not rely on mindless insults and harassment but it hurts to see anyone on either side turn to the extreme views a fandom is about building companionship over a shared interest not tearing one another down for the sake of it -uni

[jade-lop]

When I felt happy or excited, I lost words. The opening clips was so good it made me lost words.

It just so full of Found Family Vibe that I liked so much.

Sachika had a Big Sister Vibe. I hoped her character would not suffer a decay.

I also hoped she did not become a Rider or (implied) love interest to anyone.

Could they make another female character as the next female Rider?

I think Sachika accidentally summed up Shouma’s situation with his family.

Stomach Family reminded me of Sonozaki Family.

Did the Stomach siblings committed patricide?

I wondered how Shouma would react if he eat Chitato.

Death of thousand cuts. By potato chips.

What kind of form produced from eating banana chips?

Toei gave us double Momma’s Boys. What a plot twist.

I wondered if Shouma had his own monster form. Was his Rider form supposed to be his Granute form?

Granute targeting humans when they were happiest reminded of Garo episode where the Horror used its power to cure critically ill humans, saving them from despair and gave them new hope for life. Only to kill them in that state.

I wondered how Valen received his transformation form. Did Shouma spit them out as he did with his sword?

Considering the story was about snacks, I thought they would show the characters finishing their meals on-screen. I missed a scene like Shouichi finished a whole bento while the theme music played in the background.

The toothbrush finally showed up.

[howtowhumpyourhiccup]

Just a Kid - Epilogue

@evilwriter37@firerose

Summary: A Httyd Zombie AU set in the modern world. There are dragons.

At 15, Hiccup believes his biggest struggles are teachers who won't stop hounding him for his grades, a father who doesn't quite listen to him, or how unpopular he is at school. Every regular teenager's worst nightmare, right?

But then a new and mysterious illness that's been rapidly spreading amongst the populace takes a surprising turn and the day comes Hiccup wishes his former daily struggles had been the only struggles he would have to deal with.

He is, after all, just a kid.

Warnings: /

Rating: Mature

Words: 1 698

Fandom: How to Train Your Dragon

Characters: Hiccup, Toothless, Astrid, Stormfly, Snotlout, Hookfang, Ruffnut, Tuffnut, Barf and Belch, Fishlegs, Meatlug

Pairing: /

Author's Notes: AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAH

THREE YEARS OF WORK

IT ENDS TODAY

I posted the prologue in January of 2021! I'm posting the epilogue in January of 2024!

And now on to the sequel! :)

Constructive criticism is appreciated.

Enjoy!

--XOXOX--

Standing in the middle of a classroom, Snotlout can still see where the blood of his fellow students once stained the ground. On the tiled floor amidst all the dust, the dirt and leaves, there are dried brown stains of all sizes. Smears and footprints spread the stains all over the floor. Handprints are on desks, the wall, the blackboard and the door. Time has not washed them away.

School classrooms and hallways here are just big enough for a Monstrous Nightmare to stand in with a hunch, especially with all the tables and chairs pushed to the side. This wasn’t just any room, it’s where a bunch of teenage kids were holed up together and fighting for their lives. They’d been bitten.

Hookfang sniffs around. The air is stale. The reason why Snotlout would want to come here escapes him, but he’s been standing here. Quietly, unmoving. The Nightmare has tried to prod a response out of him, but he didn’t even complain. He hasn’t said anything in minutes and the dragon wonders if his human is broken.

He doesn’t understand the significance of the space they’re in.

“This is…” A girl’s voice. Dragon and rider look towards the door to find Astrid standing there, her hair length still kept above the shoulders.

She doesn’t need to say it out loud, it’s basically the room where it all began for them. It’s where Bjorn and most of everyone else lied sick for two weeks before they turned enmasse, when they realized what they were truly dealing with and the day they were forced to leave the last connection to their old life.

Bjørk school is completely abandoned now. Mrs. Bellum, Mr. Hoover and the infected students aren’t here anymore. They moved on a long time ago to begin their endless journey in search of a warm body to feed on, until their second death inevitably comes. The silence they left behind is chilling.

Astrid walks further into the room, it’s strange to be back home, strange to be in school again. It seems like a lifetime ago. She can’t even recognize it anymore.

Her boots crush pieces of glass on the floor. There was a big summer storm in August and it’s done a number on the building. The courtyard is full of shingles and a part of the roof is gone. A number of windows have been blown out and dirt, leaves, and sometimes entire branches fill classrooms and hallways. Not to mention the months of a lack of upkeep. There’s a significant layer of dust and webs everywhere they look.

“This place has seen better days,” she remarks softly. Their school looks the way they feel after everything they’ve been through since Outbreak Day back in March.

“No kidding,” Snotlout huffs humorlessly, it’s the first thing he’s said in a good couple of minutes. He wipes at his eyes, Hookfang comes closer and sniffs him, nudging him with his snout.

“I’m fine,” he tells his dragon, who shrugs it off like his human tells him to.

Astrid’s hand lands on his shoulder and squeezes. Unlike the dragon, she knows exactly what happened here and who he lost here.

“Come on, Snotlout, let’s go find Hiccup,” she tells him and they leave the room together.

But out in the hallway, Astrid comes across a pretty sight that makes her smile and lifts her heart; a gorgeous blue Deadly Nadder. They ran into her shortly after they were forced out of Forrædersk. Like this, every one of the teenagers have somehow gotten their own best friend in dragon form.

Stormfly is her name. She squawks when Astrid meets her. Her human girl approaches and hugs her horned nose, she’s in need of one. The dragon chirps contentedly.

“Where is everyone else?” Snotlout asks as they walk down the corridor, the occasional dry leaf crunching beneath their feet.

“Last I heard, the twins are goofing off in the gym,” Astrid replies. That’s certainly where she heard a lot of shouting and laughter. Who knows what the four of them are doing there, so long as they stay safe and don’t start a fire like a couple of weeks ago, it doesn’t really matter.

“Psh, of course they are,” Snotlout shakes his head as the two move on.

-XOXOX-

Hiccup and Toothless are in a different part of the school building; they find him in their English class, where they used to be taught by the once cheery and colorful Mrs. Bellum. A familiar bookcase with famous English literature is the first thing they saw when they entered. It’s the very same one, he’s seen entering this very room for every year he had this woman for a teacher. It was strange to see it again.

At first, the Night Fury had no idea what meaning this location had to their humans, but standing inside this room, he can make an educated guess what.

In the back of the classroom, there’s a wall of pictures and they all depict different humans of about his human’s age. Astrid’s picture is among them. But the spot Hiccup stares at is blank.

Toothless nudges his shoulder, clearly having a question.

“What are you looking at?” And he’s not the only one asking. Turning around, they watch Astrid enter. She’s followed closely by Snotlout, but Hookfang and Stormfly stay outside this time. These rooms have their limit and so does Hookfang, who would like to stretch his wings soon.

Hiccup looks back in front of him, back at the blank space.

“Students of the month,” Snotlout reads, then scoffs. “My picture was never on Mrs. Bellum’s wall.”

“Maybe because you made life hard for everybody else in class?” Astrid suggests the first reason that comes to mind, hands on her hips. Her raincoat makes some noise as it moves.

“Nah, that can’t be it,” Snotlout denies it.

Their English teacher had this wall to praise certain students; those that delivered hard work, those whose grades went up, those who needed the encouragement… She could never put just one student per month.

“So what are you staring at?” Astrid repeats the question. She can’t help but notice the way Hiccup shifts his weight off his stump.

Almost half a year since his amputation, he’s still trying to get used to the prosthetic they found him. They couldn’t believe their luck when they came across one that fit him perfectly on the orthopedics floor of the hospital in Forrædersk. It was probably meant for someone.

After a couple of moments of silence, this is what he says; “I think my dad is alive.”

“How do you know?” The girl asks.

“Mrs. Bellum used to have a picture of me right here,” he points the blank space out. “But none of the others have been taken. The only one who would’ve wanted to have my picture is my dad.”

“Then that’s good! Right? You were hoping to find proof that your dad was alive, he is!” Astrid encourages him. Alvin told him a lot of things in the time he was held captive and Heather couldn’t provide any clear answers either.

“And if Hiccup’s dad is alive, maybe my parents are too! Maybe all of our parents are!” The news hypes Snotlout up.

“Yeah… Which means we missed them. By a couple of months,” Hiccup deflates and Toothless purrs, giving him a comforting headbutt. The boy scratches his chin, grateful for his attempt.

It’s not like it was his idea to crush his ankle and then lose a great deal of his leg beneath his knee. He needed a long time to recover, they haven’t been on the road all that long. And as it turns out, traveling by dragon back is a lot faster than by car. Dragons don’t have to stick to a set path. Although it takes a little bit of a change in navigation.

“Hiccup, we now know that they’re alive. This trip home wasn’t a loss,” Astrid tells him and Hiccup forces a small smile.

She’s not wrong, but he still wishes they could’ve gotten here sooner. It’s almost winter, who knows how long their parents stayed in Bjørk hoping to find their kids? Who knows how long his dad and Gobber waited for him? Waited until they had no other choice but to admit that they weren’t here? Was Stoick as disappointed in missing his son as he was? Do they believe he’s dead?

Astrid wants to take Hiccup’s shoulder, but he inhales deeply and turns around to face the three of them.

“Let’s go find the others, the sun is setting and we need to set up camp and make a fire before we lose too much light,” he decides and off they go, in search of Fishlegs, Meatlug, Ruffnut, Tuffnut and Barf and Belch.

-XOXOX-

The sun is setting and the beach is getting chillier. By now, his friends have retreated for the night, dinner must be almost ready. The only one still with him is Toothless, who lies curled up around him. He doesn’t appear to mind the sand as much as his human does and still comfortably snoozes away.

Hiccup realizes he’s done telling their story. And just in time, too, he’s run out of pages to tell it.

Ah well, a new chapter in life, a new book right?

Closing his very worn notebook, he turns to his dragon, who must’ve sensed a change as he places his head on his lap.

“What do you say, Bud? Ready to leave? Find the others?” He asks, a relaxed smile on his face. It really was a good idea to write about everything that’s happened. If anything, it helped him put his thoughts in order, give everything a place.

Toothless warbles an agreement and stands, stretching his back and each of his limbs. Hiccup pulls out a plastic bag to put his notebook in, he’s been using it to keep it safe.

The dragon helps him to his feet and they turn only to realize that they’re not as alone as they once thought. Toothless begins to growl.

Up on top of the dunes, stands a pair of brothers.

[faithdeans]

western au fic recs part 1

i have loads of these but i've decided to re-read them all before reccomending them. idk how many parts there will be of this but probably at least another 2 and one for ficlets! anyway hiii have fun and pls let me know how you find them!!! i also left comments because idk how to shut up!

Vagabonds by chevrolangels [89k]

Dean is a sheriff in a tiny town in Colorado, restless and unsatisfied with his life. It's not like what he's read about in the dime novels since he was little, capturing dangerous outlaws and being the last word of the law. More like tossing the town drunk in a cell to sober up when they get a little too rowdy. But Dean's chance comes when a thief rolls through their town. He pursues the thief, which puts him right into the path of Emmanuel, a notorious outlaw. When he is captured by the outlaw and his gang to be held for ransom, Dean starts off on a journey he could have never envisioned, and learns that perhaps there's more to Emmanuel than meets the eye.

i reread this the other day and if you didn't already see my posts let me say i lost my damn mind all over again. the pacing and characterisation in this fic are perfect. it's a delicious slowburn, the action is amazing, and also as someone who has a hard time handling angst, this fic is the perfect level for me. the end makes me cry because i never wanna finish it. the stories of the side-characters are just as enthralling as dean and cas. i could read a million one-shots based on this fic. i'd probably say it's my favourite fic, period.

The Shawnee Trail by emmbrancsxx0 [166k]

In 1887, Dean Winchester and Castiel Novak lead a peaceful life in Lawrence, Kansas. Dean and Sam are stagecoach messengers for Wells, Fargo and Castiel is the town doctor. When Castiel's patient, Kelly Kline, knocks on their door one night about to give birth, she asks for the Winchesters and Castiel's help in protecting her son against one of the west's most notorious outlaws. To fulfill that promise, the men set out on a journey full of shootouts, trouble with the law, gambling, and an important discovery: Dean and Castiel really need to define the nature of their relationship.

okay to everyone asking which fic i was talking about when i posted "fics that make you pace around your room at midnight while sobbing", i was talking about this. this fic felt like a movie, it felt like i was living it, like i was riding with them. the storytelling is unbelievably vivid. i was hanging on to the "angst with a happy ending" tag for dear life. this fic is a rollercoaster of an adventure and a wonderfully moving ode to the western genre. it's truly one of those fics where you finish it and you can't believe this is supernatural fanfic and not a critically acclaimed piece of literature.

Lonesome Rider by onwardorange [67k]

Dean Winchester, better known as the “Lonesome Rider” throughout the Wild West, spends his days galavanting from town to town, drinking, dancing, and flirting his way into people’s beds. He’s got no responsibilities and no direction in life; it’s just him, his beloved horse, Baby, and the open road. And that’s just the way Dean likes it𑁋or so he tells himself. That is, until the day Sam falls deathly ill. When nothing is able to cure him, Dean makes a desperate deal to save Sam’s life that puts his own on the line. Enter Castiel Novak, a small town preacher in possession of the Colt, a gun rumored to be able to kill just about anything as well as the one thing that could save Dean’s life. When the gun is stolen by a gang of infamous outlaws, Dean and Castiel must travel across the West together to get it back, though what they discover between themselves along the way may turn out to be more powerful than the Colt itself.

this fic was so sweet and full of heart that it actually left me breathless in places. the way dean and cas bickering was written was so s spot on. hurt/comfort that will blow your cock and balls straight off. and the pining!!!! oh the pining!!! something about this story is like a warm hug and i just didn't wanna put it down. also the constellation scene and certain recurring themes to do with it. *dies*

[exdraconi]

ˋ°•*⁀➷  jai piyawat ratanaporn  ,  he  /  them  :

member of squad three. thirty. rider to phayanak. kind, conscientious && attentive ╱ reticent, self-critical && zealous.

gentle  hands  guiding  you  on  your  first  steps,  the  cold  that  seeps  into  your  bones  in  their  absence,  the  warmth  that  welcomes  you  in  the  form  of  a  creature  you  would  not  expect,  the  fire  burning  bright  within  you  to  protect  those  you  care  about.  the  wind  that  brushes  your  hair,  the  ground  that  disappears  under  your  feet,  the  sky  that  welcomes  you  home

BIOGRAPHY

( death, illness tw )

you  are  raised  with  warm  hands  cradling  you.  helping  you  on  your  first  steps,  tucking  a  knitted  hat  over  your  ears  during  winter,  the  smell  of  herbal  tea  whenever  you  fall  ill.  there's  always  a  warm  bowl  of  porridge  when  you  come  home,  and  a  calloused  hand  to  run  through  your  dark  hair. you  only  have  your  mother,  but  never  once  do  you  feel  like  your  family  is  half,  for  her  presence  fills  every  room  she  steps  in.  you  swear  that  her  smile  can  rival  the  sun. she's  a  physician,  loved  and  well-regarded  through  the  kingdom.  a  lot  of  people  come  and  go  to  see  her,  plenty  of  visitors  stopping  by,  some  having  to  stay  for  longer  amounts  of  time,  some  leaving  as  soon  as  they  have  been  treated.  you  start  helping  her  from  a  young  age,  and  she  teaches  you  her  craft. you  want  to  be  like  her  when  you  grow  up.  to  help  people,  regardless  of  who  they  are.  you  want  to  be  the  warmth  of  a  home  she  offers  to  others,  and  you  work  hard  to  learn  and  become  her  apprentice. life  is  great  — until  everything  turns  upside  down.  you  are  away  from  home  for  a  school  trip,  only  for  a  few  days,  when  you  return  to  find  your  mother  on  the  bed,  bandages  wrapped  around  her,  injuries  littering  her  frame  that  even  her  medicine  cannot  heal. other  healers  tell  you  it's  the  infection  that  takes  her  life,  slowly  spreading,  making  her  more  and  more  feverish,  less  coherent.  but  you  know  better  that  it  was  someone.  someone  you  don't  know,  someone  who  did  this  to  her.  even  in  her  last  days,  she  refuses  to  tell  you,  not  wanting  to  fill  your  heart  with  ill  thoughts.  you  don't  want  to  spend  your  last  moments  with  her  poorly,  so  you  do  not  ask  one  more  time,  yet  you  know  it  to  be  impossible. she  passes  on  a  rainy  day.  you  are  sure  you  will  never  be  the  same  again. that  same  week,  you  meet  phayanak.  he  becomes  your  ray  of  light  through  the  ever-consuming  grief.  giving  you  purpose,  making  you  realize  that  while  medicine  is  a  way  to  help,  there  is  a  much  better  way  out  there to  protect  others  before  they  come  to  harm,  before  any  evil  can  be  spread  to  the  innocent. he  becomes  your  companion,  and  your  most  trusted  friend. it  becomes  an  easy  choice  to  join  the  squad,  and  you  do  everything  in  your  power  to  be  a  good  member.  in  your  heart,  you  will  always  seek  the  truth  of  what  happened  to  your  mother,  but  protecting  lyris  keeps  you  busy.  gives  you  a  purpose  you  desperately  needed  all  those  years  ago.  and  you  swear  to  yourself  that  you  will  do  it  well,  no  matter  what.

[jaysbookofnothing]

Forth Wing Review

What is there not to love about the fourth wing? We have dragons, we have a found family, we have smut, a mildly confusing plot, an enemy to a lover that moves by too fast for it to be an enemy to a lover. So let's go into my thoughts about it. The story follows Violet Sorrengail, who, despite her small stature and preference for scholarly pursuits, is forced by her mother to join the elite dragon rider academy, Basgiath War College.

Violet Sorrengail, the protagonist—I didn't mind her that much; she was an okay character. I wish we got more onto her having a cronic illness or having a disability of some sort that would excuse the whole "Youre too weak" thing because it got annoying to read so many people call her weak when she's pretty average. Another thing I liked about Violet being short was that she didn't just get forgotten about immediately; she had to get extra things to make up for it.

Xaden Riorson was okay—nothing amazing, nothing horrible—to me personally. didn't like how quickly he and Violet were set up as enemies and then to just not be? It felt more like Violet thinking they were enemies, but Xaden not caring that much and just trying to not get in trouble?? I liked the rebellion set up at the end of the book; it felt like a nice tie-in. As said before, he's just another tall, dark, and handsome guy with shadow powers, as if we don't already have hundreds of them. I am curious as to how he's going to become king at the end, though (I think we're all aware that the rebellion is going to win and they'll be king and queen, yada yada). The whole "violence" thing is such a disgusting thought, and I will never forgive him for it. 

The dragons—yes, I am thinking of the dragons as characters because they are!! I honestly wanted more of the dragons; I wish there were more conversations with them, especially due to the bond and being able to talk to them. It just felt like a loss. I just really like dragons, okay?

Dian Aethos, nepo baby Gale. He's just annoying and pathetic. At the end, we say that his power is seeing people's memories after touching them, and how all through the book he was touching Violet (and reading her memory) just rubbed me the wrong way. The fact that he always tried to downplay her and never took her seriously annoyed me as well. It was funny to see him take up Xaden's role in the second book and look so weak in comparison. I wouldn't mind a revenge arc for him, honestly; I just want to go off and live his sad wet dog life somewhere else.

Rhiannon Matthias, I honestly don't know if I can count her as a main character, but since that's what the wiki says, I shall. Rhia is cool; she's ready to fight for Violet. She's a good friend, and I'm excited to see what happens to her plot line!

My nitpicks now! It was confusing as to why children of the rebellion aren't allowed to gather in groups of 3 or more but are still able to bond with dragons. I get they are forced to join in order to kill them, but if they don't die, then they have a dragon??? There was also (in my opinion) a lot of foreshowing, like Xadens always saying cryptic things about Violet's brother and Yada Yada. I don't have much to say that's bad. Fourth Wings is your basic romantic book for those who are into it. It was an entertaining read; of course there's criticism to be given, but I don't think it should be hated, like it's the worst thing ever. 

[mesillusionssousecstasy]

The Idol 1x01: Quotes

“- But what is the image saying? (Xander) - That she’s young, beautiful, and damaged. (Nikki) - Sh... - Eh, not damaged. She had problems that she overcame beautifully. (Nikki) - O-Okay. Uh, the robe, the hospital wristband. (Xander) - Mm-hmm.  - I mean, are we romanticizing mental illness? (Xander) - Absolutely. (Nikki) - And you’re fine with that? That’s cool? (Xander) - You people are so out of touch. (Nikki) - You people? (Xander) - You college-educated internet people. (Nikki) - Okay, yeah. You’re criticizing me for going to college. (Xander) - Oh, will you let people enjoy sex, drugs, and hot girls, okay? Stop trying to cock-block America. (Nikki) - No, Nikki, I’m not some sort of prude. I just don’t think that with everything that she has been through, she should be wearing a hospital wristband. (Xander) - Mental illness is sex. (Nikki) - No, it’s not. (Xander) - Yeah. If you live in Sioux City, Iowa, you are never gonna meet a girl like Jocelyn. She’s not walking down the street, she didn’t got to your high school, she doesn’t work at the bar or the diner, and she did not marry your best friend. And if, on the off chance, she did, she is still never, ever gonna fuck you. Unless, she has some very, very serious mental problems. And that right there is why mental illness is sexy.” (Nikki)

“- According to the nudity rider, we only can show the side boob, the under boob, and the side flank. (the intimacy coordinator) - I didn’t ask. She did it. (the photograph) - Okay, so I’m not allowed to show my body? (Jocelyn) - Not in the general, like, human rights structure of it all. (the intimacy coordinator) - You realize how fucking annoying and insane that sounds? (Xander) - It’s actually very progressive. It’s to make sure she doesn’t feel pressured. (the intimacy coordinator) - Right. I don’t feel pressured. (Jocelyn) - Fully respect that. (the intimacy coordinator) - This is her album cover. (Xander) - It’s also my boob and my house. (Jocelyn) - Fully respect body autonomy.” (the intimacy coordinator)

- “Hey! You! Come here! You want $ 5′000? You keep this door shut for the next three hours. Hold it. You gotta hold it really hard. (Chaim) - Who’s in here? (a guy) - All right? None of your business. Just take it or leave it, yes? Yeah? Okay, good. (Chaim) - Yeah, yeah.” (a guy)

“- No one’s having a pschotic... Let’s all calm down. (Benjamin) - Yeah, please.(Chaim) - Deep breath. Kay. I’m gonna give some information. I need it to be received peacefully, calmly. Okay? We’re the number one trending topic on Twitter. (Benjamin) - Okay. All right. (Nikki) - It’s not... (Benjamin) - No. I find out who did this. May God have mercy on their fucked up, depraved soul. Okay?” (Chaim)

“- It’s gotta say, it’s gotta say “revenge porn”. It’s gotta say “revenge porn” or they’re not gonna take it down (on the phone). - Andrew Finkelstein (at the gate). - Do you have ID? (security guard) - No, I’m from Live Nation. I’ve been here many, many times. (Andrew) - That’s great. Do you have ID? (security guard) - No, I don’t fucking have ID! (Andrew) - There’s a lotta people here today. We can’t let anyone in without an ID. (security guard) - Jesus fucking... Okay, let me deal with this fuckin’jabroni. Hang on. I’m gonna Google myself. Here, watch this. Ready? “Andrew Finkelstein, Live Nation”. What? Whoa! Who’s that? Huh? See that punim? See this face? See that face? Wow, they’re similar. (Andrew) - Okay, okay, sir, calm down. You don’t have to be so rude about it. I’ll get this figured out, okay? (security guard) - Yeah, I don’t have to be so rude. You know, my fucking star client has face full of cum. I’m not rude. (Andrew) - Mr. Finkelstein. So sorry for the inconvenience. (security guard) - Now you’re sorry. Thank you. (Andrew) - Right this way. (security guard) - You’re mensch. Wonderful fucking service.” (Andrew)

“- Lock him in a closet, too? (Destiny) - Remind me to let that guy out at some point, but not yet. (Chaim)

“- You know, you worry too much. Just relax. (Chaim) - I worry too much. My shareholders think I worry too little. You know, every time I fuckin’ breathe in and out, I hemorrhage money for Christ’s sake.” (Andrew)

“- Oh, there’s no shame in being a slut, case in point. I’m just worried she’s having another psychotic break. (Andrew) - No, no, she never had a psychotic break. Never had one. She was just exhausted and she was tired. (Destiny) - She’s a trouper. She reminds me of myself at that age. Okay, the thought of you younger is terrifying to me. (Benjamin) - I was having fun. I was getting fucked in the ass of the Capital Records building stairwell and then walking straight into meetings. (Nikki) - Yeah, I remember. I was the one fucking you. (Andrew) - Jesus Christ! (Benjamin) - Learn form the best. (Andrew) - Can I just remind everybody that we have “Vanity Fair” with us today? So, if we could just... keep the shit-talk to a... (Benjamin) - Oh, my God! Having her around is like living in communist China. (Nikki) - Benjamin, did you get the revised statement from Holly? (Andrew) - Revenge porn? (Benjamin) - Yeah, exactly that. Make sure that every dipshit with a keyboard has it spoon-fed down their fuckin’throat. (Andrew) - But it’s true? (Benjamin) - Well, if we say it it. (Andrew) - I’m in a “Twilight Zone” episode. (Benjamin) - All right, people. (Andrew) - Okay, see you later. (Nikki) - We live to fight another day.” (Andrew)

“- Tomorrow, I wanna wake up to, uh, like, 150 Google Alerts telling me Jocelyn’s some kind of feminist hero, right? (Nikki). - Okay. Yeah, me too. (Benjamin) - You can do that. (Nikki) - But I’m gonna start with victim and move up from there. (Benjamin) - Yeah well, it’s the same difference. (Nikki) - I don’t understand anything. How could it possibly be any fucking worse? Just tell me a scandal that was worse, recently! (Chaim - we don’t want to know). - She’s coming out of it more famous than when she came in. And that’s! That’s the win. Let’s just put it that way.” (Benjamin)

- “Ah, you’re dangerous. I mean, how could anyone not fall in love with you? (Tedros) - I don’t even know you. (Jocelyn) - You fit perfectly in my arms.” (Tedros)

- “What a fuckin’ boner killer. (Tedros) - I know, she prevented us from starting our family. (Jocelyn) - (...) and I hate it, and you’re gonna hate it, too. (Jocelyn) - You hate it? How can you put out something you hate? (Tedros) - Well, you obviously don’t work in the music industry. Pop music is just... superficial. (Jocelyn) - I think Prince would disagree with you. (Tedros) - I love Prince. (Jocelyn) - Are you gonna call “When Doves Cry” fuckin’ superficial? (Tedros) - No, I love that song. (Jocelyn) - If that song came out today, it’d be a smash tomorrow. (Tedros) - So, all I have to do is make music like Prince? (Jocelyn) - I didn’t say that. (Tedros) - Easy. I’ll just do that. (Jocelyn) - No... I didn’t say that. (Tedros) - Why didn’t I think of that? (Jocelyn) - You can’t make music like Prince. Pop music is like the ultimate Trojan Horse. Ya get people to dance, ya get people to sing along. Could say whatever you want. Shit’s powerful. (Tedros) - I like you. (Jocelyn) - I like you, too. You got the best job in the world. Should be having way more fun. (Tedros) - I’m trying.” (Jocelyn) While playing “Pieces of Your Heart” by Meduza & Goodboys)

“- Did it hurt? That photo? The betrayal of it? (Talia from Vanity Fair) - Of course. But, I mean, what am I supposed to do? (Jocelyn) - I don’t know. Fuck up the guy that did it to you. (Talia) - Like in the piece you’re writing? (Jocelyn) - Yeah, actually. I think it would be inspirational for young women and girls all around the world who have been targeted and humiliated in the way you were. (Talia) - Revenge is empowerment? (Jocelyn) - It’s human, I think. (Talia) - Look, I mean. I think... five years ago when people would tell me that it was important to comment on something publicly, I would buy into it. But now I just know that I’m being hustled. (Jocelyn) - Yeah, I mean, obviously, my editor is breathing down my neck, gun to my back, trying to get me to get you to talk about this photo. It’s all anyone can talk about. (Talia) - I get it. We all have to answer to somebody. (Jocelyn) - Who do you answer to? (Talia) - God.” (Jocelyn - Wrong, the public opinion).

“- I don’t know. I haven’t done anything in, like, a year. And I just feel like people are, like, waiting for me to fail. And I just don’t wanna, like prove them right. (Jocelyn) - Yeah, but, Joss, you always do this. You always second-guess yourself right before something comes out. You’re just gonna drive yourself crazy. (Leia) - I just don’t wanna, like, make a fool of myself. I don’t want people to, like, make fun of me. (Jocelyn) - They are not. Trust me. It’s good. It’s, like, really good. (Leia) - (....) What’s wrong with him? (Jocelyn) - He’s so rape-y. (Leia) - Yeah, I kinda like that about him. (Jocelyn) - Joss... No. Gross. So disturbing.” (Leia)

“- Hello, Angel. (Tedros) - You call all the girls Angel? (Jocelyn) - Just you. (Tedros) - Yeah right. (Jocelyn) - Fuck’s up with her? She doesn’t wanna hang out with us? (Tedros) - She’s my assistant. And my best friend. (Jocelyn) - She’s your best friend and your assistant? (Tedros) - Yeah. (Jocelyn) - She’s your best friend that words for you? (Tedros) - Yeah, isn’t that nice? (Tedros) - Really? Hm. (Jocelyn) - Don’t you think that’s kinda, like a nice arrangement? Oh, for her it’s amazing. Fuck. Can I be your best friend? I’d love to get paid. (Tedros) - Can I play you my new song? (Jocelyn) - Are you desperate to put this specific song out? (Tedros) - No, I’m not desperate to put anything out, my team is. ‘Cause everyone in my life is, like, telling me that it’s really great, but I don’t believe them. (Jocelyn) - Why? (Tedros) - ‘Cause when you’re famous, everyone lies to you. (Jocelyn) - And you trust me? (Tedros) - I just think you’re enough of an asshole that you might tell me the truth. (Jocelyn) - Cheers to that. (Tedros) - I don’t know. I feel like it’s, like, too superficial or something. (Jocelyn) - (...) If you’re gonna sing a song called “I’m a Freak” you should at least sing it like you know how to fuck. You gotta stop carin’ what people think. You are too locked up in your head. (Tedros) - Yeah? (Jocelyn) - Yeah, you’re thinking too much. You need to block out the world. Feel it. Do you trust me? (Tedros) - No. (Jocelyn - Good reply!)

[coverfox-insurance-01]

How Health Insurance Saves You from Medical Financial Stress

The Growing Burden of Healthcare Costs

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For example, a single hospitalization for a chronic condition like heart disease can cost thousands of dollars, leaving many individuals and families struggling to cope. Without health insurance, these expenses often result in dipping into savings, taking loans, or even delaying necessary treatments. This financial strain underscores the importance of having a comprehensive health insurance plan.

How Health Insurance Provides Financial Relief

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With cashless facilities, you can receive treatment at network hospitals without making upfront payments. The insurer directly settles the bill with the hospital, providing immediate relief during emergencies.

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Health insurance policies also cover expenses incurred before admission and after discharge, such as diagnostic tests, medications, and follow-up consultations. This comprehensive coverage ensures you don’t face financial challenges even after your treatment ends.

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Plans offering critical illness coverage provide financial aid for severe conditions like cancer, kidney failure, or strokes. These policies either offer lump-sum payouts or reimburse the treatment costs, making long-term care affordable.

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Medical emergencies can wipe out years of savings in one go. Health insurance protects your savings, allowing you to use them for other essential financial goals like education, retirement, or investments.

Looking for Best Health Insurance visit Coverfox.com

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Health insurance premiums are eligible for deductions under Section 80D of the Income Tax Act, providing financial benefits along with health coverage.

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Paying a relatively small premium secures you against high medical bills, offering immense value for money.

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Modern treatments often don’t require hospitalization. Health insurance covers procedures like chemotherapy, dialysis, and cataract surgery, making it easier to access advanced healthcare.

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Understand Policy Terms: Know what’s included and excluded to avoid claim rejections.

Add Riders: Enhance your policy with riders like critical illness or maternity coverage.

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The rising costs of healthcare highlight the importance of having reliable health insurance. It protects you from financial stress, preserves your savings, and ensures access to quality treatment when you need it most. By investing in the right health insurance plan, you can secure your financial future and focus on recovery during medical emergencies.

Assess your healthcare needs and choose a health insurance plan that provides comprehensive coverage and peace of mind.

Read More Related Blogs Which Are the Best Health Insurance Aggregators in 2024? What Are the Different Types of Health Insurance? A Detailed Overview

[sonalj]

Buy Best 2 Crore Term Insurance Plan Online In India 2025

Why Buy a ₹2 Crore Term Insurance Plan? When it comes to securing your family’s future, there is nothing better than having a solid financial plan in place. A ₹2 crore term insurance plan ensures that your family will not be left in a difficult situation in case of any mishappening. The maturity amount is paid to your family if anything unfortunate happens to you during the policy term. But why should you consider this specific coverage amount? Let us understand:

Affordable Premiums Unlike other life insurance plans, a ₹2 crore term insurance is designed to provide pure life cover without the investment components found in other types of life insurance. This means you are paying only for protection. So, if you are a healthy, non-smoking 30-year-old, you can get a ₹2 crore term insurance policy with premiums starting at just ₹1000 to ₹2000.

Comprehensive Coverage With a term insurance ₹2 crore, your family can manage a range of expenses like home loans, educational fees for children, or even long-term medical care. The term plan’s comprehensive coverage can also help clear major debts like mortgages and cover daily expenses.

Flexibility and Customization You can tailor your term insurance policy to suit your unique financial situation or personal circumstances. For instance, many insurers offer specialized and customized plans like term insurance for NRI. Moreover, you can add optional riders like critical illness cover, disability benefits, waiver of premium, or accidental death benefits, to extend the protection even further.

Save More on Premiums In addition to affordable premiums, term insurance plans allow you to save money with tax benefits. Premiums paid for a ₹2 crore term insurance policy are eligible for deductions under Section 80C of the Income Tax Act. Also, the payout your family receives is tax-free under Section 10(10D), further boosting your savings.

What is a ₹2 Crore Term Insurance? A ₹2 crore term life insurance plan is a type of life insurance policy that provides a coverage amount of ₹2 crore to your nominees or beneficiaries in the unfortunate event of your demise during the policy term. Term insurance is characterized by its simplicity; it offers a life cover without any investment or savings component. This means that if you (the policyholder) pass away within the policy tenure, your family will receive the predetermined sum assured, which in this case is a substantial ₹2 crore.

[southwesterninsurance]

Understanding Exclusions in Short term General Liability Policies

For trucking companies and independent operators, understanding the intricacies of Short Term General Liability Insurance is crucial for maintaining proper coverage and protecting their business interests. While this type of insurance provides essential protection, being aware of common exclusions can help prevent costly coverage gaps and unexpected denials when you need protection most.

What is Short-term General Liability Insurance?

Before diving into exclusions, let’s briefly define what short-term general liability insurance is. This type of policy provides coverage for businesses needing protection for a limited duration. Common scenarios include temporary projects, seasonal operations, or businesses testing new markets.

The Basics of Short Term General Liability Insurance

Short Term General Liability Insurance offers flexible coverage options for businesses that need temporary protection or want to test operations before committing to a longer policy term. This insurance type is particularly relevant for trucking operations that may have seasonal peaks or specific contract requirements. For those in the trucking industry, whether you're working with Western Truck Insurance Services or other providers, understanding these policies becomes even more critical due to the unique risks associated with transportation operations. 

Short-term general liability insurance typically covers:

Bodily Injury: Injuries to third parties caused by your business activities.

Property Damage: Damage to someone else's property due to your operations.

Personal and Advertising Injury: Claims related to defamation, libel, or advertising-related liabilities.

Common Exclusions in Short-term General Liability Insurance

1. Professional Services

Short-term general liability insurance does not cover errors or negligence related to professional services. For example, if a truck maintenance provider offers faulty repairs resulting in damage, this scenario would likely fall under professional liability rather than general liability.

2. Injury to Employees

Claims related to workplace injuries or illnesses are excluded. Businesses must rely on workers' compensation insurance to cover such claims. For instance, if a trucking company’s driver gets injured while on the job, Truck Insurance or workers�� compensation is necessary.

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Coverage does not extend to damage or loss involving property owned, leased, or rented by the insured business. A trucking company’s fleet, for instance, would require comprehensive Truck Insurance to safeguard these assets.

4. Contractual Liability

Many short-term general liability policies exclude coverage for liabilities assumed under contracts unless explicitly stated. This exclusion often arises in industries like trucking, where contracts often define responsibilities for cargo damages.

5. Intentional Acts

Claims resulting from intentional or fraudulent acts are excluded. For example, if a business knowingly engages in fraudulent activities, any resulting liabilities would not be covered.

6. Pollution and Environmental Damage

Pollution-related liabilities, such as oil spills from trucks, are commonly excluded from general liability policies. For trucking businesses, adding specialized coverage like pollution liability is essential.

7. Product Liability

Product-related claims, such as defects causing injury or damage, are generally excluded unless product liability coverage is included as a rider.

Real-world Implications of Exclusions

To illustrate the impact of exclusions, let’s explore a hypothetical case:

Scenario:

A trucking company operating under a short-term project causes accidental oil spillage during loading. The spill damages the client's property and incurs environmental cleanup costs.

Outcome with General Liability Insurance Only:

The short-term general liability policy may cover property damage to the client but exclude the environmental cleanup due to pollution exclusions.

Outcome with Supplementary Policies:

If the company has pollution liability insurance through a provider like Western Truck Insurance Services, the environmental cleanup costs would also be covered.

Tips for Selecting the Right Coverage

To avoid gaps in coverage and ensure peace of mind, follow these tips:

Analyze Your Business Needs: Understand the risks specific to your operations. For instance, trucking businesses should prioritize coverage for cargo, environmental risks, and vehicle damage.

Seek Expert Guidance: Insurance providers like Western Truck Insurance Services can help customize a policy portfolio that minimizes exposure to uncovered claims.

Regularly Review Your Coverage: Business needs evolve over time. Regularly update your insurance coverage to reflect changes in operations or risks.

Conclusion

Understanding exclusions in Short Term General Liability Insurance policies is crucial for maintaining effective coverage for your trucking operation. By working with specialized providers, maintaining thorough documentation, and regularly reviewing your coverage needs, you can better protect your business from unexpected gaps in protection. Remember that while general liability insurance is essential, it works best as part of a comprehensive insurance program tailored to your specific operational needs. Regular consultation with your insurance provider ensures your coverage evolves with your business requirements.

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How Term Insurance Can Help You Save on Taxes?

When it comes to financial planning, one of the smartest moves you can make is to invest in a term insurance plan. Not only does it secure your family’s financial future, but it also helps you save on taxes. This dual benefit makes term life insurance a popular choice among individuals looking to balance their financial goals with tax-saving opportunities.

In this blog, we’ll explore how a term plan can be your ultimate tax-saving tool and why it should be an essential part of your financial portfolio.

Understanding Tax Benefits of Term Insurance

1. Tax Deductions on Premiums Paid

Under Section 80C of the Income Tax Act, the premiums paid for a term insurance policy are eligible for tax deductions.

You can claim a deduction of up to ₹1.5 lakh annually.

This applies to premiums paid for yourself, your spouse, or your children.

By choosing the best term insurance plan, you ensure both security and tax efficiency for your family.

2. Tax-Free Payout on Death Benefits

The sum assured received by your beneficiaries under a term life insurance plan is entirely tax-free under Section 10(10D) of the Income Tax Act.

This ensures that your family gets the full benefit of the payout without any tax liabilities.

For example, if your term policy offers a sum assured of ₹1 crore, your family receives the entire amount.

3. Tax Benefits on Riders

Adding riders like critical illness or accidental death to your term plan also offers tax benefits.

The premiums paid for these riders are deductible under Section 80D, up to ₹25,000 annually (₹50,000 for senior citizens).

Riders enhance the coverage of your term life insurance and maximize your tax savings.

Why Choose the Best Term Insurance Plan for Tax Savings?

Opting for the best term life insurance ensures that you maximize both financial security and tax-saving opportunities. Here’s what to look for:

Competitive term life insurance quotes for affordable premiums.

Flexibility to choose from different types of life insurance to suit your needs.

High claim settlement ratio to ensure reliable payouts.

How to Maximize Tax Benefits with Term Insurance

Start Early: The earlier you buy a term life insurance policy, the lower your premiums will be, leaving more room for other investments.

Combine with Other Tax-Saving Tools: Pair your term plan with other instruments like PPF or ELSS to maximize deductions under Section 80C.

Opt for Longer Tenures: A long-term policy not only provides extended coverage but also locks in premiums for years to come.

Final Words —

Investing in a term insurance plan is more than just a financial safeguard — it’s a smart tax-saving tool. With benefits under Sections 80C and 10(10D), along with optional riders, it ensures your family’s future while reducing your taxable income.

As you explore the best term life insurance options, focus on policies that offer comprehensive coverage, affordable premiums, and maximum tax benefits. A well-planned term policy not only secures your loved ones but also helps you achieve your financial goals effectively.

Ready to secure your family’s future and save on taxes? Start comparing term life insurance quotes today!

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Understanding ULIP Premiums: Your Key to Smart Investing

In today's dynamic financial world, individuals are constantly on the lookout for investment options that offer both security and growth. A unit linked insurance plan (ULIP) is one such financial product that combines the benefits of life insurance with investment opportunities. It provides policyholders with the advantage of life cover along with the potential for wealth creation by investing in various market-linked instruments like equities, bonds, or a mix of both. Understanding ULIP premiums is key to making the most of this financial tool and leveraging its full potential for smart investing.

1. What is a Unit Linked Insurance Plan (ULIP)?

A unit linked insurance plan is a hybrid financial product that serves two primary purposes: life insurance protection and wealth creation. The premiums paid for a ULIP are allocated towards both life coverage and investment in various funds. The plan offers flexibility, allowing investors to choose between different types of funds according to their risk appetite and financial goals. The performance of the investments is linked to the market, meaning that the value of your ULIP units fluctuates based on market conditions.

2. Understanding ULIP Premiums

The premiums you pay for a unit linked insurance plan are the key to enjoying both insurance benefits and investment growth. The structure of ULIP premiums can be divided into two components:

1. Life insurance premium: This part of the premium goes towards providing a life cover, which is the fundamental feature of any insurance policy.

2. Investment premium: The remaining portion of the premium is invested in various market-linked funds as per the policyholder’s choice.

The investment component is further divided into units, and the value of these units is dependent on the performance of the chosen fund. The premium amount you pay is typically more flexible compared to traditional life insurance policies, allowing you to adjust your contributions and fund choices according to your financial situation.

3. Types of ULIP Premiums

ULIP premiums can be classified into two categories:

1. Regular Premium: This is a fixed amount that the policyholder pays periodically (monthly, quarterly, or annually) throughout the policy term. Regular premiums ensure continuous coverage and investment, building wealth over time.

2. Single Premium: In a single premium ULIP, the policyholder makes a one-time lump sum payment. This premium is invested in the chosen funds, and no further premiums are required during the policy term.

Each type of premium comes with its own set of advantages and suits different investment needs. Regular premiums are ideal for individuals looking to make smaller, consistent contributions over time, while single premiums offer a more substantial initial investment with no future commitments.

4. Factors Affecting ULIP Premiums

The amount of premium you pay for a unit linked insurance plan is influenced by various factors:

1. Sum Assured: The higher the sum assured, the higher the premium. The sum assured is the amount your beneficiary will receive in case of death during the policy term.

2. Age: Younger individuals tend to pay lower premiums as they are considered less risky by insurers, while older individuals may face higher premiums.

3. Policy Term: The duration of the policy also plays a role in determining the premium amount. Longer policy terms typically have lower premiums.

4. Investment Fund Choice: The type of investment fund you select (equity, debt, or hybrid) can impact the amount of premium you pay, as certain funds might come with higher management fees.

5. Riders and Additional Benefits: If you opt for additional riders like critical illness or accident benefits, these will increase the overall premium cost.

5. How to Choose the Right ULIP Premium

Choosing the right unit linked insurance plan premium depends on your financial goals and risk appetite. Here are some tips for selecting the appropriate premium:

1. Assess Your Financial Goals: If you are looking for long-term wealth accumulation, a larger premium may help grow your investment faster. However, if you are more focused on insurance, you may opt for a smaller premium that provides sufficient life coverage.

2. Evaluate Your Risk Tolerance: If you are willing to take on more risk for potentially higher returns, consider equity-oriented funds, which may require a larger investment. For a more conservative approach, debt funds may be a better choice.

3. Consider Flexibility: ULIPs are known for their flexibility. Ensure that the plan you choose allows you to switch between funds or increase/decrease premiums as needed without penalty.

6. Advantages of ULIP Premiums

Paying a premium for a unit linked insurance plan offers several benefits:

1. Dual Benefit: You get both life coverage and investment opportunities, which helps build wealth while protecting your loved ones.

2. Tax Benefits: ULIP premiums qualify for tax deductions under Section 80C of the Income Tax Act, up to ₹1.5 lakh annually. Additionally, the maturity benefits are also tax-free under Section 10(10D), making it a tax-efficient investment option.

3. Transparency: ULIPs provide regular updates on the performance of your investments, offering greater transparency compared to traditional insurance products.

7. Key Considerations

While ULIPs offer a combination of life insurance and investment, it's essential to understand the associated risks. The value of your ULIP can fluctuate based on market conditions, so it’s important to have a long-term investment horizon and be prepared for market volatility. Additionally, ULIPs come with charges, such as administration fees, fund management fees, and mortality charges, which can impact the overall returns.

Conclusion

A unit linked insurance plan (ULIP) is a powerful financial tool that offers both life insurance protection and the potential for wealth creation. Understanding ULIP premiums is critical to making the right investment decisions and maximizing the benefits of this dual-purpose product. By selecting the right premium amount, evaluating your risk appetite, and choosing the appropriate funds, ULIPs can become a key component of a smart and secure investment strategy. Whether you are focused on long-term growth, tax savings, or financial protection, a ULIP can help you achieve your financial goals while ensuring your family’s future is secure.