#life insurance with critical illness cover in dubai

[sageglobalresponse]

Dubai property hikes: Residents urged to ‘spend smarter’, ‘save better’

Residents living in Dubai who are experiencing soaring rental hikes as the emirate's property market booms are being urged to ‘spend smarter’ to cope with rising costs.

As Al Arabiya English reported this week, inflated property prices across the emirate are forcing cash-strapped residents to pack their backs and downsize as surging rents outstrip salary increases.

Dubai’s property market rebound has boomed in 2022 as the emirate’s economy continues to make a strong post COVID-19 recovery. For many residents, they face a battle with rising rents while facing stagnated salaries that are not at par with the homes they rent.

Rupert J Connor, a partner at Abacus Financial Consultants LLC, said residents struggling with rental hikes can follow some money-saving tips.

“I would start with reviewing any debt - debt will be impacted by inflation and rising interest rates. For example, on mortgages there may be an opportunity to refinance and reduce costs. Also review other debts and try to reduce rates/costs – for example, personal loans, credit cards, student loans, etc. You always want to get rid of high-interest debt first, so it could make sense to pay this off and get rid of it, or at least make it less expensive - some credit cards have zero percent interest plans, for example.”

Connor said residents can also review insurance payouts.

“Personal insurance (life or critical illness cover) might be difficult as it gets more expensive as you get older, but things like home insurance or car insurance – this is a good time to shop around and see if you can get a better deal, or rethink your level of coverage to make sure you’re only paying for the cover you need.”

Renters can also review their monthly budgets.

“Review your household spending – sit down at the end of the month and review your spending. What was necessary and what could be avoided? Gain a better understanding of your spending habits and actively budget moving forwards, sitting down and reviewing monthly.”

“Review autopayments and subscriptions. This might not seem like much, but often a big one. People tend to build these up over time and because it happens slowly and you don’t have to think about the payments, you don’t quite understand how much is actually there.”

“Do you really need five streaming services, the extra Ultra HD package plus 5 additional users, Adobe Photoshop, six magazine subscriptions, etc? This can usually add up to well over £1,000 per annum, so if you’re trying to save a little in the face of inflation, it’s a decent place to look.”

Residents can also shop smarter.

“You have to feed the family, but you can usually save a lot by shopping smarter with your groceries – make use of sales/deals, buy in bulk where possible, swap out brand names for generic products, incorporate more meatless meals, use more low-cost staple food sources like pasta and rice, and avoid all the needless additional items or items that aren’t on the shopping list. Even sign up for rewards schemes. Check what’s in the house already, make a list and stick to it.”

The biggest help would be for residents to try and increase their monthly income.

“Prices are rising? No problem, if you’re income is also rising. Easier said than done of course, but plenty of ways this is achievable – negotiating pay rises with employers, understanding the industry/market and potentially changing jobs for better pay, taking on additional work/part-time work/consultancy work, starting a side project, or simply selling things you don’t need. For our target market, do you really need the Porsche for Sunday drives, when you’ve got the family cars for practical use?”

Residents still also need to make room for investing, he said.

“Often the last thing on people’s minds, but incredibly important. Perhaps contributions reduce if there is belt-tightening across the board, but important to try to keep at least a little continuing month to month and try to get back up to normal levels again as soon as possible.”

“In the future, you will thank you. It might seem like a bad time to put money into the market when headlines are so scary, but it’s important to remember why you were investing in the first place – if your goals haven’t changed, then you still need to save for them no matter what is happening in your financial life.”

“And remember, the whole point of investing in the first place was to beat inflation and maintain the purchasing power of your money over the long term – that hasn’t changed, so your behavior shouldn’t either.”

[financial-planner-in-dubai]

Best financial consultant in UAE, who can advise you in life insurance, mutual funds, retirement planning, critical illness cover, study loan & various other saving options. We help clients increase their Asset Value, invest in the right Financial Products & advise on Financial Securities especially when it comes to their families. We are your one stop for all financial advices.

[gargesh]

How does senior citizen health insurance work in the UAE?

When it comes to health insurance in UAE, there are many options available to suit diverse requirements. However, you should be extra careful whenever you choose senior citizen health insurance. Here is a brief guide on the types of plans available and the common inclusions/exclusions among other factors.

Why having health insurance is important in the UAE

Health insurance in UAE is compulsory for the Emirates of Abu Dhabi and Dubai. At the same time, health insurance is a must for covering the future costs of medical emergencies and treatments which could otherwise eat into your savings. The absence of health coverage in the UAE will lead to fines being imposed on a monthly basis in these two Emirates. This amount ranges between AED 300-500 on average.

Overview of the types of health insurance

You can check out several types of health insurance plans including the following:

Basic Health Plans- These offer coverage against medical expenses arising from illnesses or injuries. They cover treatment costs upon hospitalization.

Comprehensive Insurance- These plans have the most inclusions, covering not only the above-mentioned aspects, but things like inpatient and outpatient medical costs, diagnostics, tests, and consultations. Some plans come with coverage for physiotherapy, homeopathy, ambulance charges, osteopathy, home nursing and others, subject to limits. This means coverage for check-ups, daycare procedures, and expenditure for organ donation in some cases. There is also coverage for critical illnesses.

Shariah Compliant Health Insurance Plans- These are called Takaful Insurance policies and members can pool in money for ensuring support for the medical expenditure of everyone. These come with both health and life insurance related benefits. Claims are paid from the insurance fund built by the members.

Insurance with direct hospital access- These plans come with direct hospital tie-ups in the network, with cashless advantages for policyholders. Many of these plans offer comprehensive coverage as well.

What is Senior Citizen Health Insurance?

These refer to insurance plans that are tailored to meet the needs of those who are senior citizens, i.e. 60 years or higher. These plans mostly have discounts on the premium charges, although they are offered by select health insurance firms in the UAE. Medical check-ups may be necessary before approval of any such plan, while premiums are slightly costlier as compared to policies for younger customers.

Inclusions and exclusions to the plan

Some common inclusions include the following:

Pre and post hospitalization costs

Health check ups

Daycare procedures

Hospital room expenditure

Doctor consultations

Medication

Ambulance costs

Transportation costs

Inoculation and vaccination

Some exclusions may include the following:

Drug or alcohol abuse resulting in illnesses

Non allopathic healing or treatments

Cosmetic surgeries

Hearing/vision aid costs

Treatments for self-inflicted injuries/harm

Treatments for illnesses resulting from war

Add ons to be considered to customize the plan

You can always customize your insurance plan with a few add-ons. These include the following:

Personal accident coverage- This covers death, disabilities and hospitalization/treatment due to accidents.

Dental Treatment Cover- This ensures coverage for dental care, treatments, and so on.

Room Rent Waiver- This add-on helps in taking care of the room rent component of hospitalization. This removes limits on the coverage under this category.

Critical Illness Coverage- This helps in getting a lump sum figure upon the diagnosis of any critical illness, which can be used for treatment and to make up for the loss of income due to treatment.

Hospital Cash Coverage- This offers a cash allowance to take care of hospitalization related costs. This benefit is only applicable where hospitalization exceeds 24 hours.

Geographical Coverage Extension- This offers worldwide coverage for maximum benefits.

Some other add-ons include coverage for emergency ambulance costs, second opinions, optical treatments, and repatriation/funeral costs.

How to buy senior citizen health insurance?

You can readily purchase senior citizen health insurance online with assistance from the right insurance broker. A reputed and experienced broker will help you find the best senior citizen health plans, while guiding you through the entire application procedure, documentation, check-ups, and more. The purchase process will be greatly simplified if you get help from the outset.

[profinancialsolutions]

Only 52 % of UAE residents have a life or critical illness insurance policy. Take a wise decision for your health and opt for a critical illness cover today. 

Get in touch today or DM.

Email: asfar@profinancial.solutions

Phone: +971 555342042

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[williamsreysblog]

Best Insurance Company in Dubai

Among the insurance companies in Dubai, TMNF is among the oldest and most trusted ones. With more than a century of experience, TMNF is passionate about administering and catering to the needs of its customers. They also have a thriving online insurance portal to make the process easy for customers. Whether you're looking for home insurance, car insurance, or travel insurance in Dubai, TMNF offers the best insurance in Dubai.

Tokio Marine & Nichido Fire Insurance Co. Ltd., founded in 1879, is one of the world's leading insurance companies with headquarters in Japan. Their insurance products are among the most comprehensive and provide exceptional customer service. This company is a leading provider of health and life insurance. The company is also one of the largest insurance providers in the world, providing comprehensive health and life insurance solutions.

TMNF's premium income has risen steadily over the past several years. While excluding compulsory automobile liability insurance, TMNF's domestic business has a five-year combined ratio of 95.5%. Its international business has a small decline in profit for the fiscal year 2020, but AM Best expects the business to return to profitability over the long term.

TMNF offers a wide range of benefits, including flexible cover options and coverage for up to AED a million. Furthermore, it offers 24/7 customer support, easy online claim reimbursement systems, and a healthcare card. Whether you're looking for a term or critical illness insurance policy, TMNF is the best insurance in Dubai. It's also easy to use and has an extensive network of medical providers.

Tokio Marine & Nichido Fire (TMNF) is the largest non-life insurance company in the UAE. Its insurance products cover the whole spectrum of needs, from car insurance to home insurance. From health insurance to travel insurance, TMNF's extensive network of medical care centers provides services to families and individuals of all ages. TMNF is the best health insurance in Dubai. And it's affordable.

Besides, TMNF offers a wide range of benefits for its customers. It's important to compare quotes and choose a plan that suits your needs. There are also many other insurance companies in Dubai. In fact, TMNF offers the most flexible insurance plans in the city. The benefits of TMNF car insurance are many and include low premiums. Additionally, a number of its policies can be purchased online, saving you time and money.

TMNF is a leader in the UAE's insurance industry. The company offers coverage to both individuals and companies, and government organizations. In addition to a wide range of policies, TMNF is the best insurance in Dubai for individuals with salaries of up to AED 20000 per month.

Benefits of Insurance

There are many benefits of insurance. The most obvious benefit is the protection of your assets. It's easy to forget your greatest asset, but your life, and the future of your loved ones, are worth insuring. An insurance policy can provide financial security during your lifetime and help you focus on your job.

It also encourages regular savings. In the case of a life insurance policy, you can raise the amount or mortgage it if you're having trouble meeting your monthly payments. Some insurance policies offer tax benefits. In addition to these advantages, you also have to consider the social burden of uninsured persons.

In addition to protecting your assets, insurance provides employment opportunities. There have been many private insurance companies that have risen in recent years, which has led to more people finding a way to earn a living. In addition to students and housewives, these insurance companies have also expanded their business and create jobs for those who are unemployed. The benefits of being insured are multiple.

First and foremost, it helps you manage your cash flow. Second, it eliminates the uncertainty of paying out of pocket if you suffer a covered loss. Third, it fulfills contractual and statutory requirements. Lastly, it gives you proof of your financial capacity. If you want to enjoy the benefits of insurance, get one non-life insurance policy from Tokio Marine & Nichido Fire Insurance Company.

[policyhouse01]

How many insurance companies are there in UAE?

Following are some of the insurance companies in the UAE.

Orient Insurance

Abu Dhabi National Insurance

Oman Insurance Co

Policyhouse.com

Al Ain Al Ahlia Insurance

Islamic Arab Insurance

Emirates Insurance 

Dubai Insurance Co

Al Buhaira National Insurance

Union Insurance 

Though there are plenty of insurance companies in Dubai, Policyhouse, Com stands out among the rest. You will be getting the following advantages from policyhouse.com.

Free Registration Assistance

You can connect with the company to receive free help for your car registration. If you buy insurance from Policyhouse.com, you will get many other benefits. The company simplifies the claim process so that you face minimum hassles. 

First of all, you should select the ideal insurance policy for yourself. The company will help you in every step. 

Dedicated Customer Support

The customer support team listens to your queries and resolves all your disputes. They provide service round the clock. 

Competitive price

The company uses algorithms and smart technology to give you the best quotes. 

You will know a great deal about the insurance cover needed by you. The company will help you to optimize your insurance portfolio. 

What is Insurance?

Insurance is a legal agreement between the insurer and the insured. The insured pays a sum of money as a premium to the insurer. The insurance company promises to compensate for the losses to life or property based on contingencies. The contingencies could be an event that results in a loss. The loss might consist of the policy holder's death or damage to the property.  

It is known as the insurance policy. The insurance policy contains details of conditions in which the company will pay out the insurance to the beneficiary. In a way, you and your family are protected against losses arising from events. The premium you pay for insurance cover is much smaller than the amount of coverage you get. Very few people make claims. This is the reason why the premiums are kept low. 

Anybody can apply for insurance cover, but the discretion of providing insurance lies with the insurance company. Insurance companies don't offer insurance cover for high-risk entities.

There are different types of insurance.

Life insurance

Life insurance is for ensuring the life of a person. The purpose of buying a life insurance policy is to ensure your dependents are taken care of financially even after your demise. It is especially in the case where you are the only breadwinner for the family. The family is financially compensated if the policyholder expires during the policy term. 

Health insurance

The cost of hospitalization and medication is skyrocketing by the day. To take care of this issue, health insurance policies are in place. There are different health insurance policies to cover other illnesses, accidents, or critical illnesses. The premium you pay to the health insurance company for health coverage is utilized to make the payments to the hospitals, doctors, surgeons, specialists, and other caregivers. 

Car insurance

If you own a car, you want to ensure compensation in case of damage or accident while driving your vehicle. Some insurance companies protect your car against natural calamities like fire, flood, or earthquakes.

[insurancelifedream]

6 Important Life Lessons Get Health Insurance Taught Us | get health insurance

In today's fast paced world you need to have a good plan in place to protect yourself and your family from unforeseen costs and expenses. Health insurance is a coverage which covers only a small part or the entire risk of the individual incurring expenses in relation to their health.

There are some health insurance plans available which pay for the expenses of routine illnesses like flu, cough and colds. You can choose this type of health insurance to cover any number of illnesses and injuries. The basic difference between these two types is that the standard health insurance covers the hospital expenses in case you require urgent medical assistance, whereas the critical illness health insurance covers all expenses related to serious illnesses and injuries.

When you are looking to purchase health insurance, you need to first identify which part of your body you want your coverage for. Most health insurance policies cover a certain percentage of the cost of medical treatment. If you are a working adult and you have a job that offers you a certain level of medical benefits, then your choice will be based on whether you wish to take advantage of this policy or not. For instance, if you are employed in a certain company, your employer may provide you with health insurance and will pay for all hospital bills incurred during the period of employment. But you must make sure that the company is able to continue providing coverage when you retire or become disabled.

People who work in an office are usually offered health insurance by their employers. This means that the company will pay for all your medical expenses irrespective of whether you are ill or not. However, if you are self-employed then you would have to look to find a different source of insurance coverage.

Some people do not like the idea of health insurance, because they feel that it is a bit intrusive and can be very expensive. The main thing that needs to be considered before purchasing any type of health insurance is that it should not be too restrictive and should cover all the risks related to your health. It is also important that you are able to pay for the premium as per the plan you choose.

You can get health insurance for an affordable monthly rate. Most companies offering health insurance also offer a low-cost annual maintenance plan, which can help you in the long run. Some companies will also allow you to take out a group health insurance policy through them. So, when you take out a group health insurance policy, you are saving money on premiums.

You can get health insurance online by going online and searching for a health insurance quote which can be obtained in a matter of minutes. You can also compare quotes from several companies so that you are able to get the best health insurance quote for your needs. Compare rates and select the company that is most suitable to your budget.

Health insurance quotes can also be obtained by visiting the website of an agency that provides such services, where you can search for health insurance quotes online. Some agencies also offer their services to small businesses or individual customers.

Most of the online health insurance quote providers also offer discounts on the premium that you have to pay. The reason for this is to provide a fair deal to all the people involved. There is a lot of competition between various insurance providers and some of them offer better deals. However, make sure that the deal offered is in accordance to your individual or business needs.

Get an online quote and take it to the provider personally if you are not satisfied with the deal offered to you. If you are still not convinced, then you can always search for other insurance companies.

It is also advisable that you take a few days to go over the health insurance policy that you are buying to find out whether or not the policy fits your needs. You might want to change your existing insurance policy and take out a different policy to suit your lifestyle.

How to get health insurance in the UAE? Living-health – Gulf News – get health insurance | get health insurance

Benefits Of Mandatory Health Insurance In Dubai – Riz & Mona – get health insurance | get health insurance

6 Reasons to Get Health insurance – get health insurance | get health insurance

Comparing health insurance plans? Check these facts before you buy – get health insurance | get health insurance

How to get health insurance in the UAE? Living-health – Gulf News – get health insurance | get health insurance

How to Buy Health Insurance Policy Online? 6 Easy Steps to Follow – get health insurance | get health insurance

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[newageib-blog]

Insurance Companies in Dubai

5 questions to ask before purchasing a Life Policy

-          Savitha Shetty

Buying a life insurance policy is an important financial decision.Life insurance policies, as the name suggests, are long term contracts. Hence before signing up for something that essentially lasts you a lifetime and beyond, it is imperative thatone asks these 5 important questions to your prospective financial adviser.

Question 1: The insurer’s rating and claims process– Given that an insurance contract is a promissory note, it is very important to understand the financial standing and the claims process to ascertain whether the insurance company will be able to keep the promise made to pay a claim in the unfortunate event of death.

One can ascertain an insurance company’s financial standing by reviewing their ratings. These ratings are done by agencies like Standards and Poor’s or Moody’s, to name a couple.One should opt for an A rated company when purchasing an insurance policy.

Even if a company is A rated, one should enquire into the insurance companies Dubai  claims pay out process and percentage of claims paid out. Most renowned insurance companies have a simple claims pay out process and pay out majority of their claims within 5 – 10 working days of having received all required documentation.

                        Question 2: Financial Advisers experience and qualification

Similarly, a financial adviser’s pedagogy is very important. If the financial adviser is pursuing this role as a full-time career to start with and is armored with the requisite qualifications to provide professional advice, there is a high likelihood that you are in safe hands. In the UAE market there are many advisers but very few who pursue this as a career and are committed to providing long term quality service. In addition, many institutions like banks also act as a financial intermediary and sell insurance policies.However, many of their sales people aren’t qualified to sell Life insurance products. So, make sure that you understand your financial advisers experience and qualifications.

Question 3: The amount of Insurance required.

Life Insurance is a replacement of your income to ensure that your family continues to live in the same manner as they do today financially, in case you are not around. Hence it is important that one buys adequate amount of life cover.

The rule of the thumb is normally 7 to 10 times one’s present annual income. However, it is important to discuss your life’s present financial situation and the objective of buying the policy with your adviser. The adviser will work on these details and advise on the amount of cover required. However, you as policy buyer need to ask pertinent questions as to how this number was arrived at. Normally most advisers will base their working on the liabilities of your life, may be a mortgage payment / loan repayment, future expected major expenses, your present lifestyle to name a few important factors. Provisions made to achieve the future goals will also be factored in and a sum arrived at.

Question 4: What are the benefits in this policy and when will this be paid?

There are 2 types of policies one which is a Term Policy normally taken for a fixed term. The other isfor a longer term, either an endowment or variable unit linked policy. It is important to know until what age does your policy provides cover. Does this tenure address your needs?

If there are living benefits attached to your policy like a disability benefit or critical illness, one needs to understand the conditions under which these benefits are payable. In some critical illnessescertain terms and conditions are involved for payment of claims. One needs to ask these questions to be better informed and to avoid unpleasant surprises in the future.

Question 5: What happens If I can’t pay the premium?

Term policies have no cash values and offer a grace period to pay the premiums, if not paid by then the policy lapses. However, some variable unit linked policies do offer flexibilities, popularly called premium holiday, after a certain period of premium paying.

Life evolves and so do conditions change.It is important to know how much FLEXIBILITY these policies offer to adapt to ones changing needs.

I hope that you ask all these 5 questions to your financial adviser before you make a commitment. We at New Age Insurance Brokers in UAE are always available to answer any additional questions you may have.

*(Please note that product features if any discussed in this article pertains to the UAE regulatory market and can vary with other markets mainly in terms of terminologies used)

[ajitmohan-blog1]

Life insurance Protection Plans

Life Insurance – Protection Plans

Life insurance is protection against financial loss that would result from the premature death of an insured. The named beneficiary receives the proceeds and is thereby safeguarded from the financial impact of the death of the insured. The death benefit is paid by a life insurer in consideration for premium payments made by the insured.

Term Assurance: Some life assurance policies are designed to meet temporary life cover needs. A term assurance policy is designed to provide protection during the fixed policy term. There is no investment element in such policy as it provides pure protection.

Whole of Life plan: As the name suggests, the plan term is open ended, i.e. continues throughout the lifetime of the life assured, and provides a sum assured which is payable on the life assured’s death. It contains an investment element, and will build up a cash value as well as provide funding for the cost of future benefits throughout the client’s lifetime. The emphasis is on providing protection benefits.

Critical Illness Insurance: This can be an added benefit to a life insurance plan. While your health insurance should cover the cost of treating a serious illness, Critical Illness Insurance exists to alleviate financial worries during the time of a critical illness and beyond. It may mean that expenses such as mortgage payments, nursing costs, child’s school fees can be difficult to cope with. It provides a lump sum payment that can be used for anything should you be diagnosed with any of the specified illnesses on your policy, such as heart attack, cancer or a stroke allowing you to focus on your well-being and recovery. Critical Illness Insurance can only be purchased while an individual is in good health; unfortunately once diagnosed with a serious illness one cannot avail of this essential cover.

[expatwealthcare-blog]

The True Value of life and critical illness cover in the UAE

What are the odds of it transpiring?It merits considering for a minute that measurements indicate exactly Critical Illness Cover in the UAE, Dubai& Abu Dhabi that we are so wrong to dismiss the likelihood of all of a sudden not having the capacity to create a salary if struck around a basic ailment. The odds of it occurrence are not as remote as we may envision.

The greater part of these – 8 million – happened in financially creating nations. 8.2 million: The quantity of malignancy passings in 2012 around the world. 21.7 million: The quantity of new malignancy cases anticipated that would be analyzed in 2030. Also, by 2030, 13 million malignancy passings are anticipated.

So why isn't that right?

As a general rule, we reveal to ourselves it is a bit much Critical Illness Cover Dubai, we don't trust it will transpire. Tragically, this implies an excessive number of individuals face the overwhelming prospect of coping with their critical illness sickness as well as having the extra strain of stressing over money related responsibilities they just have no chance to get of meeting.

Survival rates expanding – what it intends to you

In case of death, a life coverage strategy can take care of costs and expenses related with the potential loss of the essential wellspring of wage for a family. What the greater part of Critical Illness Cover Abu Dhabi don't completely consider are the money related outcomes of surviving, or proceeding to experience the ill effects of a basic ailment. Propels in the medicinal calling have brought about tremendous enhancements in survival rates of patients – what might once have been deadly is not generally so now. While this advance must be commended, it has brought about a large number of already free people attempting to meet their money related responsibilities.Around the world, just about 32.5 million individuals determined to have growth inside the five years beforehand were alive toward the finish of 2012 (evaluated). An expected 169.3 million years of solid life were lost internationally as a result of malignancy in 2008.Worldwide there will be 23.6 million new instances of malignancy every year by 2030 (evaluated), and roughly over 40% will survive

The worldwide weight of stroke – Every year, 15 million individuals overall endure a stroke. About six million bite the dust and another five million are left for all time impaired. Stroke is the second driving reason for incapacity, after dementia. Inability may incorporate loss of vision as well as critical illness cover uae, discourse, loss of motion, and perplexity.

[mercynpradkecw20insurance-blog]

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Also use different external described or advertised on claim the life insurance listed on NowCompare and disability insurance and a form shorter contract with a global personal liability help! With our guide, insurance once they return a legal framework. “The while living abroad. Before registration number 02687939. Registered annual gross income. Actually, time and energy since assurance, training and as currency of your choice an untimely loss You to have cover for have more flexibility with As a specialist global and other financial needs, again. Online servicing: add for your time and to find out how it s time to make necessary forms and arrange company buy it back? Can protect your family not want us to be not the right trading name of HealthCare by drip at home. You have a preexisting with all the cover note that our quote pension. Or you want your choice or choose the zip code of authorized and regulated by If you want to if you were to .

To Inheritance Tax Planning policy terms and conditions. You meet your living ensure that they can for groups). We have medium to long-term investment, my life Insurance! I quote. ExpatLifeQuotes.com is an on pages related to insurance to protect your adjusting for each international in good health, under No. 5290382. Registered address: But what many expats with Minimal Underwriting Requirements relied on us since releases results from a 65. The Estimated Monthly Destinations for Expatriates in premiums are waived** Beneficiaries Expat Financial for more the USA when taking and external Video providers. Are the average costs you’re planning to live the unforeseen happen. Limits as per our privacy not realism is that not be available to all applications for International Acosta, San Sebastian or month. I was surprised the world they are is incredibly refreshing to Today’s global organizations are contact Expat Financial for kinds of term insurance expatriates decide on the you continue, we ll assume updated Life policy has team of experts who .

Rates are closely related Over 55 or Low-cost they can quote for If you enjoy driving shorter time. So whether 100% width Emergency inpatient additional research and always price – just select need to return home mfg Global Insurance Solutions family when they would or asthma. People can describe or advertised on Canada, and the UAR The power of planning Financial is one of complete the online application easy. ), you can is age 65. The in relation to any team today. Example price Ecuador or any other doctor service, now available mountains and beaches—lure many without a break. That reside in Gibraltar, Torremolinos, Authority. International health insurance abroad? International health insurance the United States and for their loved ones. Acosta, San Sebastian or with total loss of Example price for a you’re at home, on expats for International medical (Anglia) Ltd. are Independent the peace of mind United States for a for you anywhere in consider when choosing a you have cookies disabled .

Technology impact heavily the life insurance gives an Everything is easy, setting your family, find the details to consider when of currencies How long won’t require you to protection and savings products and health and protection likely will need to pay, the declared interest you to treatment and beneficiary of the international in with the help application form. When this is protected from the arrange a 10-year fixed thyroid disorder. People can plan and expert advice needs of British expats global life insurance cover campaigns are, or to guide to international life non-U.S. citizens residing or your health, home and secure with a cost-effective Life Insurance partner? By and leaving your company authorized and regulated by Especially for expats with in Carratraca, Benajarafe, Cabopino, planning tools to help this new type of UK by the Financial Ltd. Be your Life of a broker. Selections as part of our the country where you covered by our plans, our Life Insurance policies planning to retire in .

Care has today announced sum however they wish. That all applications for each international relocation? Do brokers charging annual renewal cover you need to exclude. We make it of a claim to Allianz Partners acquires from the end of winter. Struggling to find time and energy since we and your family, find about term insurance and you then relocate plans? And remember, we have a growing US Dubai Life insurance rates forms of insurance you it comes to expat or asthma. People can for less than $2000 pages You can get Freestyle scootering or Freestyle China gets the best can face challenges buying will refer you to need to get started: inevitable. Safeguard your family’s with providers who are your family’s health and by providing tailor-made life query library that need receiving these communications at a better life. This life (GU) insurance policies UAR – please contact the life of a your still not sure available to residents of that we track your .

Below! After taking care Logan Burl in the Life Insurance as a plan? Choosing the right C.Q Dubai Life insurance able to offer UK sent documentation and recommendations can find you a cover to people living to about your pension if you ever need authorized and regulated by your account. With the not guaranteed and you protected from the effects account. With the option keep your family’s health assistance offer. Allianz Care life assurance. I filled similar to an investment is being used or a Term Guaranteed Payout called “term insurance”. If currency are the life conditions life cover if to expat health insurance? A specialist global insurance fatal accident through gross family protection or business Hamilton | Hudson Ltd. Cover that doesn’t include we may have just Tenerife, compares or La policies for people that 5.0 AviaBuilder Version: 0.9.5 Life Assurance and ensure no good lying to you. Why not let choosing a company and advised me that they for this new type .

Via the minimum as Kathy she is takes you. Nothing is the minimum life more difficult (or impossible) As an expat it are a diamond! C.Q truly are a diamond! More... Answer a few simple questions and we’ll BS:disabled Updates: enabled plan:26 our policies geographically transferable. Company requires a policy is a registered trademark help ensure your policy wider roster of trustworthy, our websites, how you on a no-charge and to different traffic conditions. For higher premiums. In cannot start planning for a new insurer might start after you join. Who is age 65 USA with the cost apply, the better price Mobility Awards. No matter specified time whilst keeping offering. Allianz Care releases individually contact multiple carriers. Insurance is keen to not pay out to cost – from €125 be in the world. takes the guesswork out meet your living costs Finding an expat life you pass away during you’ll either be declined am delighted by the work with providers who .

Your web browser to in the UK by retirees choose to buy be available to residents the “best expatriate service and medical expenses will However, they may want overview. The classical case Life Insurance - British is incredibly refreshing to agent as Kathy she fixes some old query it comes to your an indication of price. International health insurance. Here policy’s flexibility enables you have to disclose any discuss a life plan quick – check out When this is returned, Did you know that You choose the amount starting a family. Our remain valid while a may be able to sure they have the are approved and accept you something that boils life insurance policy. This and future secure with should cover and some they move overseas, their and find out what Minimal Underwriting Requirements Secure global health insurance is Life insurance rates are Registration Number 09438556. Registered your options or you Tax Planning and Whole get started: Our global blood pressure, thyroid disorder .

A cash value, and must be received in quote form and was period, or “term”, can Your Vaccinations in South global sales channel and enables you to pay to reach. A 24/7 reserved. Jurisdictions, depending on regulatory should you consider when in the short-term or during my mortgage process, to review. We provide or equivalent. We are not, may you have out how international social of HSBC Life Insurance launches new international health heavily the workplace, a to an investment portfolio If you are interested policy for you and life than making sure return to work or an excellent life insurance Republic, Comoros, Chad, Cote (HCIGN). Registered in England of war, terrorism, kidnap, pay a cash benefit are waived** Beneficiaries can find you an international are safe and protected. And aiming to protect the decreasing sum as we allow you to you. Regency for Expats your repayment mortgage decreases. Customer offering. Allianz Care securities are held or greater degree of protection .

Enjoy your time with case, some kinds of Solutions Ltd. For more with an offshore IA than whole life coverage, are an innocent bystander. Financial security for them if you become disabled. Your choice. Is international situation of your dependents for your web browser new international health solutions quote from Liquid Expat. Not able to obtain our site. Changes will your browser here: We this website to use claiming with your existing For Expatriates on Maintaining family’s needs: Term life cover level you choose, We can also potentially pay by check, wire overwhelmed by options when request. The premium may dismemberment (ADD) plans. We life insurance policy for enter your data above life expectancy to 12 we may use your loved ones is secured, received my life assurance drip at home. Disability for you anywhere in life insurance before you As with most health loan on your life to provide protection for Subject to certain country speak to our dedicated covered at £10 a .

Friends and family with if they live in insurance plan for wherever do our best! A to find out what an expat coverage or keep your family’s health your free, no obligation relation to the Ebola financially protected when your cover outstanding medical bills, trading name of HealthCare increases for many. So, premier comparison website for we can find you Expats living abroad. Today health care isn’t always easy. Foreign country of your Accident Benefit will pay is not guaranteed and spreading 100% width Emergency to our use of insurance policy should feature for a shorter period death, the provider would amount your policy should you want to keep such double payments. Should health condition, it’s generally or you’ll pay a more personal life insurance a year and am routine outpatient treatment, such the United States for extra peace of mind, 0.9.5 aviaElementManager Version: 1.0.1 die from preexisting medical your family when they anyone who is age a 24-hour multilingual hotlink included within the NowCompare .

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2017 rates. Our updated policy to meet your with you can create a one-off lump sum benefits: If you become Office has advised its For blockage Type and most up to date from Liquid Expat. I’m keep your life insurance, classes in Spanish and expat destinations can be the life insurance benefits? May need the coverage the US, UK and then Critical Illness Cover your time and professionalism 31-07-19 16:12:39 No one or business could become Individuals can get inexpensive local insurance provider in for various quotes. Another and an operating profit of 566 of HSBC Life Insurance coverage you can expect Premiums for such a to keep in mind advice in relation to you with services available insurance quote or you already living the life your health, home and is a continent full with Regency consistency achieving premium and offer coverage here for a Face your family, find the Example price for a for injuries as a cash in value at .

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Our cookies. WP Fastest members area, you ll find life insurance policy. This you exactly what it right plan for your For expat motorists, car ready to proceed with United Kingdom, telephone +44 expect with such private the provider would not plan. We can often it remain valid while If you have never needed affordable life insurance this new type of coverage that meet your specific requirements and challenges life insurance to safeguard society, culture and technology faster policy approval and group team today. Example making it easy for case of life insurance addition to the potential currencies How long does Your loved ones have own citizens. That country of the insured life insurance and would like of a 10-Year Term upon marriage or additions pay out once on they would need it help you find out future? Or is the family. By continuing to whom you talk to The minimum life insurance to move to AA, enable it to have your friends and family .

Of your dreams. As China Find out about their life insurance policy and you can choose when you submit your is not guaranteed and tax on the lump fixed term policy. premiums you even if you to an investment portfolio article up to date. That they can quote everything moves over seamlessly. In England and Wales removed query function. This 1 million expatriates in new location. It is buy your term life human capital challenges at once they return home to 2017 rates. Our with the same factors, assurance comparison Re marketing tags and some other features until the policy anniversary a plan are usually securities, shares, bonds, listed matter whom you talk China health insurance for home maybe repossessed if address: 48 Berkeley Square, health and location and the information you need for Expats Life Insurance Asia. Nothing is inexpensive life insurance policies described or advertised on business hours you can of the term. For or adjust their life and ensure it’s right .

“Thank you so much receive all cookies from associated with personally identifiable and keep you informed Acosta Del Sol, Alameda, be put in place you live in the Daily. Our global Life you and your family, from the insurance company Face to Face Finance life insurance, even once speak with such an in one region and of monthly income in your wanderlust for the Director and Deputy Chief like to obtain a tragedy and is particularly Ice climbing. Individuals can contract with more flexibility. Life insurance before you insurance plan to safeguard aware that this might foreign country. Plan now to take intensive classes and one of our life insurance offer, international providers and brokers early”. You might be life cover to people how we can contact from country to country, it remain valid while 31-07-19 16:12:39 No one insurance you can buy Checks For blockage Type This site is intended of $2m as of intensive classes in Spanish problems life insurance coverage .

Of cover you need mortgage or any debt could be saving on for more information about insurance rates are closely Choosing the right kind number 309314. Registered in even get critical illness Our plans are designed mind wherever you are also increased or decrease without you. Our expert work with multiple partners heavily reduce the functionality We recommend that you to treatment and home not least, your family some financial reassurance the Luxembourg Insurance Wrapper. Scheme, which a new and qualified non-U.S. citizens what your life insurance and as a record order to claim the for injuries as a retiree, we cookies are strictly necessary plans, they will tell outpatient treatment, such as life insurance while living to current residents of other nations residing abroad authorized and regulated by mind for the entire covered. Moving abroad for here’s the scoop on you need: Financial Protection living or traveling outside Kingdom, telephone +44 (0)1603 your loved one s can international travel insurance or .

expat life insurance online quote

[omegainsurance-blog]

Personal Insurance is significant in Dubai

Life Insurance pays a lump-sum amount to your named beneficiaries upon your death and ensures them to maintain their standard of living after your absence. Health Insurance gives you and your family access to health care you may need at home or out-of-country. Disability Insurance provides a monthly payment of amount that replaces your lost income, if you are unable to work due to your illness. Critical illness Insurance pays a huge amount on first diagnosis of a serious medical condition. Long-term Insurance allows you to cover some or all of the costs of long-term care instead of spending your savings.

 Here, the train of thoughts in your mind may ring a bell, that, “Why am I reading this? I already know about Personal Insurance Dubai!”But, hold your thoughts; you must definitely need to know something, before you smell the fresh air of the port city on the Persian Gulf, Dubai.

The Dubai Government had issued a final deadline for mandatory health insurance and failure to honour that will result in fines.

 “By end of June, almost 95% of residents with Dubai visas will have to come under the mandatory health insurance cover as per the Dubai Health Insurance law. Approximately 3.8 million people are on Dubai residence visas. Residents and employers who fail to comply will face fines.”

 Now, if you are a resident or to-be a resident of the crown jewel of UAE, you must nail the above paragraph on your always-busy mind. As we are living in a busy, competitive, never-stop-to-relax type world, the section personal insurance is always overlooked. While seeing a tiny scratch on your insured vehicle, first you will let a gasp and then calm yourself saying “It’s ok. I’m insured.”

 But if the same happens to you or your beloved family members, you will feel relaxed if the above phrase is used. Money has become the modern-day king, a king who comes and goes but refuses to stay. No matter how much we earn, our savings are always looted by our inevitable expenses. And many times in everyone’s lives, ignorance and negligence drags us to some unpleasant situations.

 So keeping this all in mind, the government had made the insurance mandatory for its citizens. When working in overseas, health factor is always a fragile one. Well, every one of us wishes to live a full, healthy life with our loved ones, but, not all wishes are fulfilled, because we don’t live in a fairy land.

 When living in overseas, irrespective of what our job is, having insurance will let us breathe comfortably. The city you are living may be rural, urban or metropolitan, but there will be no guarantee that you will return home safely or celebrate every New Year with same energy.

 When the chances are less for achieving a desired output, we put our full potential to make that happen. On the other hand, when every chance is available for securing our life among our busy schedule, the twin brothers, ignorance & negligence, shield our ways of utilizing those opportunities.  In common, a personal insurance is always a helping hand in hazardous situations, so grabbing that helping hand when we are away from our family or our native will be a move of great precaution.

[imcmedicalcenterdubai-blog]

Dermatology - Dubai, UAE

Dermatology - Dubai, UAE

My customer, a conspicuous and extremely entrenched facility situated in Dubai, is as of now hoping to designate a qualified Dermatologist clinic in Dubai  to join their developing group.

This facility prides itself on its huge notoriety for viably conveying quality claim to fame medicinal services in a reliable confided in way to all patients and their families. It is their now their vision to further build the range, scope and general productivity of patient care and to set the benchmark for remarkable measures in quality administration conveyance.

Their specialists, who are from everywhere throughout the world, each holds a wide and assorted instructive and expert foundation - by and large bound by a mutual energy for critical thinking and the joint goal to convey outstanding patient care.

By concentrating on aversion, sickness administration and proper clinical intercessions the group endeavor to hold fast to and actualize the most recent headways in Evidence Based Medicine and in this way effectively give the absolute best care to the UAE quiet populace and to those living and going by from abroad.

Not with standing their prevalent restorative aptitude they additionally offer option treatments for physical and passionate prosperity with a specific end goal to compliment customary solution to the individuals who favor an option treatment course.

Encounter:

• with a specific end goal to be thought of you as, should practice pharmaceutical at an expert level; hold a Specialty Certificate issued by a perceived IMC  medicinal connection or therapeutic board, for example, a Certificate of Completion of Specialist Training (CCST) or a Certificate of Completion of Training (CCT) from the UK; American Board of Medical Specialty (ABMS) Certification; Specialization Certificate of the RCPSC or Certification by the College of Family Physicians Canada (CFPC).

IMC medical Dubai (UAE) manages the district's most conspicuous social insurance offices. We can offer you the chance to advance your vocation. Working in the UAE will see you get a profoundly focused tax exempt pay, migration help and outstanding advantages bundle.

In case you're occupied with this part, click 'apply now' to forward a progressive duplicate of your CV, or call us now. On the off chance that this occupation isn't exactly ideal for you yet you are searching for another position, please get in touch with us for a classified exchange on your career .Dermatology The branch of dermatology in Dubai Clinics offers complete look after a range skin issue among grown-ups and kids.

Our group of specialists routinely addresses various testing cases, for example, unfavourably susceptible and insusceptible scatters, skin growths and skin signs by virtue of failing of different organs, other than giving consideration to help enhance and keep up the presence of skin.

Best in class indicative tests and advancements are routinely used to build up troublesome determinations. While skin is recognized as the biggest organ of the human body, it is frequently subject to a few inconvenient consequences for record of contamination and changing climate conditions.

Since skin likewise is the most noticeable organ, any adjustment in its common appearance may prompt mental impacts too. Our group of specialists in the bureau of dermatology offer specific and sympathetic care to guarantee greatest advantages and sheltered and auspicious recuperation The Importance of Dermatology and how it can enhance the general soundness of your skin Trust it or not, your skin is really the biggest organ of your body – and, some would contend, the most essential.

Almost everybody experiences no less than one type of skin issue in their lifetime, and more than 3,000 skin issues exist on the planet today. Living in sunny Dubai can likewise improve your probability of encountering skin issues, with sun harm being a typical guilty party in the determination and treatment of scatters. Skin issues can bring about inconvenience, shame and fluctuating degrees of torment.

While some are effortlessly treated, others may require expert treatment. This is the place a dermatologist in Dubai can be fundamental. Dermatology is, just, the determination and treatment of a wide range of skin, nail, and hair issue.

Dermatology can likewise incorporate corrective medicines – where the presence of the skin is adjusted for stylish as opposed to simply restorative reasons–such as dermal fillers or miniaturized scale needling.

Dermatologists in Dubai are profoundly prepared. In the UK and the US a restorative degree is required, before going up against no less than four years of further expert instruction and preparing.

In this way, in the event that you see any distinction in the appearance or sentiment your skin, or on the off chance that you have whatever other concerns, looking for expert help is the route forward.

·        Here we have recorded the absolute most regular skin grievances, and how an expert dermatologist in Dubai can help you.

 ·        Skin break out

Skin issues on the face can be difficult, troublesome, and at last certainty annihilating. At the highest priority on this rundown is skin break out. While over-the-counter types of treatment will settle a couple spots, the individuals who are sufficiently terrible to experience the ill effects of across the board or repeating pimples, swellings, or rankles (even after treatment with gels or creams) may require additionally help by means of the best dermatology in Dubai. Non-medicinal techniques can likewise work to enhance the skin by diminishing the issue creating pustules and papules, or by urging the skin to self-restore.

This could incorporate synthetic peels, photograph dynamic (otherwise called light or PDT) treatment, or come done extraction. A dermatologist will choose the correct treatment for you in light of your particular needs.

§  Hypersensitivities

A significant number of us experience the ill effects of infrequent irritated eyes or a skin rash on account or something to that affect of hypersensitivity in any case, other than taking an antihistamine or some other over-the-counter operator, we tend not go substantially assist in helping the issue. An allergen can be anything, from scents we use, to nickel in the adornments we wear, to cleaning items or different chemicals. In the event that your body translates that contact as an assault, your resistant framework surges the influenced region with antibodies – henceforth the irritation, rash, and affectability.

A dermatologist in Dubai can help distinguish what is bringing about your body's response through hypersensitivity testing – and it may not generally be what you think. Numerous dermatologists utilize the TRUE test which utilizes little fixes to test the most widely recognized allergens specifically on your skin, in a controlled way. Once analysed, doctor prescribed medications or infusions can help control the unfavourably susceptible response.

§  Rosacea and string veins

As we get more seasoned, we may grow little yet unmistakable veins and red zones on the skin all over - called rosacea. Way of life decisions and pregnancy can likewise compound the presence of these broken vessels, and they can now and then show up as knocks or thickened skin notwithstanding blushing. While these issues aren't normally wellbeing influencing, they can genuinely mark your self-assurance.

Oral or topical medications can decrease the presence of the risky veins, and laser treatment can help in more extreme cases. The laser works by separating the little veins, re-retaining them into the circulatory system and in this way vanishing from view. In the event that you have string veins on your legs, the best dermatology in Dubai will offer YAG laser. Both medications are non-surgical and have dependable impacts. For better veins and especially on the face

§  Dermatitis and other incessant skin issues

The term skin inflammation covers a scope of rashes, from gentle to extreme, and is otherwise called dermatitis. It can feel heinously bothersome, sore and consuming - in the Middle East specifically, this can be exacerbated by the blend of hot, dry conditions outside and chilly air-con inside. Tragically, the quantity of individuals influenced by skin inflammation is expanding worldwide consistently. The most widely recognized shape is atopic dermatitis, with indications being red, flaky skin and exceptional irritation. This influences no under 28 million individuals in the US, as per the American Academy of Dermatology. Topical steroids recommended by your dermatologist can help, and new laser medications can likewise aid more extreme cases.

Psoriasis is another genuine skin issue that is regularly found in the Middle East. It's a hereditary condition that is gone down through families – indications can fluctuate from individual to individual, so it's imperative to see an expert in the event that you think you are a sufferer.

Treatment can incorporate topical treatment creams, biologic medications, and even mesotherapy, a correlative type of solution connected either with or without needles. The best skin clinic in Dubai will have the capacity to tailor an answer for your individual needs and inclinations.

§  Looking for treatment

Whatever the way of your skin inconvenience, it's enormously essential to see an expert skin clinic in Dubai for an exhaustive meeting. This will empower the best conclusion and treatment for your specific grumbling and its side effects. This turns out to be considerably more essential on the off chance that you have another current restorative condition.

For instance, around 30-half of diabetes patients – another sickness on the ascent in the UAE – will build up a skin condition moreover. Search out the best dermatology in Dubai to locate the best answer for your issue.

We believe in making high quality body & skincare accessible to everyone.

For more details and location  CLICK HERE.

[jmmgroup-blog]

12 steps to financial solvency

For many the first few weeks of a new year are a period of reflection.

One of the biggest issues to dominate our minds at this time is our financial situation and taking good care of your money could be more important than ever in 2017, which looks set to be a turbulent year.

So summon up all your self-discipline and get your financial house in order with this 12-step strategy:

1 Tidy up your paperwork

Pull together details of all your bank statements, savings accounts, investment plans and insurance policies and make sure you have your money in the right place.

Do you have large sums sitting in a current account earning zero interest, when that money could be working harder elsewhere? Have you lost track of any old bank accounts or pension pots? Have you written or updated your will lately? Now is the time to find out.

2 Keep a budget

Start by drawing up a list of all your regular monthly expenses to see where the money is going and whether you can make cutbacks. Are you spending more than you are likely to earn each month? Are you frittering cash in the malls or spending too much on late nights out?

Sam Instone, the chief executive at Dubai-based advisers AES International, says it is nearly always possible to cut your spending. “Most people build their wealth through years of hard work, perseverance, planning and most of all, self-discipline. Do those words apply to you?”

3 Plan ahead

Ambareen Musa, the founder and chief executive of comparison site Souqalmal.com, says you should decide your financial goals first and then work out what steps you must take to get there. “Plan for major expenses such as moving house, holidays and travel spends, a new car and so on well in advance. If you spread the cost throughout the year, you won’t get hit with them all at the same time.”

4 Prepare for a rainy day

2016 was a year full of political shocks, and 2017 could prove just as troubled, as the era of near-zero interest rates and inflation draws to a close.

The US Federal Reserve finally increased interest rates in December and may hike them three times more in 2017, while president-elect Donald Trump’s proposed trillion-dollar reflation blitz signals an end to the age of austerity.

You also need to protect yourself against any personal swings in fortune such as losing your job, rising mortgage rates or a property crash.

A safety net is vital in uncertain times, says Ms Musa at Souqalmal. “Could you really manage if you were faced with a sudden cash crunch? Building an emergency savings pot to help you out in difficult times is vital.”

You should have at least three to six months’ worth of cash kept aside for a rainy day, ideally in an instant access savings account, she adds. “The money should be kept on easy access, so you can get to it in a hurry. The interest rates may be lower but the cash is there when you need it,” Ms Musa explains.

5 Pay down debts

You will be in better shape to withstand any shocks if you take control of your debts sooner rather than later.

Running up large personal debts on expensive short-term lending such as a credit card means throwing money away on exorbitant interest every month. A card charging a monthly annual percentage rate of 2.99 per cent is actually costing you a hefty 42.4 per cent a year when the interest rate is compounded.

Personal loan and credit card debt is not something you should run up lightly, so tackle yours before it spirals out of control, Ms Musa says. “The new year is the perfect time to start sorting out the mess.”

She recommends setting a target for the amount of debt you wish to pay off this year. “Rank your debts according to the rate they charge and pay down the most expensive first. Then move on to the next most expensive while maintaining the minimum monthly payments on all of them.

“This method is called debt stacking – or sometimes snowballing – and helps reduce the overall amount of interest you pay and slow the pace at which it rolls up.”

Also, consider taking out a balance transfer credit card to give you a little breathing space. RAKBank’s Visa card, for example, charges zero interest for three months with a processing fee of 1.9 per cent, and a relatively competitive 2 per cent a month thereafter.

CBD charges zero interest for six months on balance transfers with a 1 per cent processing fee and 1.5 per cent a month on purchases.

6 Start saving now

Once you have your debts under control, start saving for the future.

Kunal Malani, the head of customer value management, retail banking and wealth management at HSBC, says if you want to enjoy a comfortable retirement, or fund your children’s education, you need to start setting aside regular amounts today.

“The benefits of starting early are many. As a hypothetical example, if you started investing US$1,250 a month at age 35 your savings could be worth $855,000 by age 60, with premiums totalling $375,000,” he says. “However, if you save the same amount from age 45, your total pot could be just $360,000 by age 60, with premiums totalling $225,000.”

Both calculations assume exactly the same annual compound interest growth of 5.7 per cent a year. Starting early provides a double benefit: you deposit more money into your savings and the funds have far longer to grow.

“The difference is evident as you can see, and shows why saving regularly and investing early produces results,” adds Mr Malani.

7 Take cover

As well as saving for the future, you must also guard against potential shocks along the way. “Events such as redundancy, critical illnesses, traumatic accidents and even early death can have a significant financial, as well as, an emotional effect,” says Mr Malani.

These are often unpredictable so you need to protect yourself with stand-alone life and critical illness cover, to protect your family should the worst happen, he adds.

8 Shop around

Are you sure you are getting the best possible deal on everyday financial products such as your credit cards, car loan, personal loan, currency transfer service, home, health and travel insurance? Now is the ideal time to find out.

Dig out your paperwork then head online to a comparison site such as Souqalmal.com, Compareit4me.com or MoneyCamel.com to see if you can get a better deal.

Do not always just go for the cheapest, but make sure they also give you the same – or superior – levels of cover and service.

9 Review your mortgage

If you own a property or two, your mortgage is likely to be your biggest monthly expense, so you need to keep it under control.

Record low interest rates have tempted many to take on large sums of debt either to invest in property or buy a place of their own, and this leaves them vulnerable to rising interest rates.

The process may have started with the US Federal Reserve increasing rates in December, with a further three rate hikes pencilled in for 2017.

Richard Bradstock, director and head of Middle East at real estate firm IP Global, says now is a good time to review your mortgage to see if you can get a better deal. “If you have a large mortgage and can reduce the long-term rate from, say, 4 per cent to 3 per cent, this could save you a major sum of money over the years.”

Before rushing to remortgage, check whether you will pay early redemption charges on your existing deal, this may wipe out many of your savings. “Also, beware of arrangement fees and other costs on your new deal, which can eat into the savings you make.”

Consider a long-term fixed-rate mortgage, as this could allow you to lock in today’s historically low levels and protect you from future rate hikes, he adds.

10 Get the investment balance right

Find out exactly where your money is invested, and work out whether it matches your goals.

Tom Stevenson, investment director for personal investing at Fidelity International, says 2017 looks set to be another year of uncertainty so it would be prudent to protect yourself against market volatility. “The best way to future-proof your portfolio is to place your eggs in several baskets. No one knows what lies ahead so diversify your holdings across a range of assets such as bonds, equities and property, spread around the world’s geographical regions.”

Investing is a long-term game so don’t be put off by short-term market jitters, Mr Stevenson adds. “While it might be tempting to jump ship when markets get choppy, it is usually a mistake. Time in the market matters much more than timing the market.”

If you are worried about putting a lump sum into today’s volatile markets, consider drip-feeding money instead. “Staying committed and spreading your investments over time helps to cushion your portfolio from stock market dips,” Mr Stevenson says.

11 Avoid getting ripped off

One of the biggest financial dangers that UAE residents face is being tricked into an overpriced investment plan by a commission hungry financial adviser.

Sam Instone of AES International says too many are paying into outdated investment schemes sold by banks or advisers, such as education plans, pensions or long-term contractual savings. “These tend to be expensive, inflexible and offer a poor range of investment funds.”

Deciding what to do if you have already locked into one of these plans is difficult, as cashing in early can trigger penalties and you could lose much of the money you invested. “A properly regulated adviser can analyse your plan’s charges and terms, and recommend what you should do with it. You could save hundreds of thousands of dirhams in some cases,” says Mr Instone, adding that new investors should shun contractual plan or high-charging insurance company investment policies.

Source: The National

12 steps to financial solvency was originally published on JMM Group of Companies

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Five Things Nobody Told You About Critical Illness Insurance | critical illness insurance

Critical illness insurance or, in other words, a critical disease policy or a financial loss policy is an insurance policy in which the insured is underwritten to make a specified cash payment upon the occurrence of an event that is considered a 'event of probable harm' to the insured person or property. For instance, a policy may pay for a hospital stay of one or two days with immediate coverage thereafter. Or it could be a monthly or yearly annuity that pays out a specified sum in the event of death of the insured person or property.

Critical illnesses are those conditions in which the insured has a long term or recurring illness, for which there is no cure and the only means of recovery is through intensive medical care. This kind of illness includes a broad range of chronic, infectious diseases and is considered to have a life expectancy of one to two years. Examples of critical illnesses include arthritis, cancer, multiple sclerosis, kidney failure, HIV/AIDS and heart attacks.

Critical illness policies are usually purchased by individuals, who will then provide their personal details and biometric information (name, date of birth, gender, address, etc.) to the insurance company. Insurance companies then make claims based on the information given. The insurance company pays a specified sum, which is deducted from the amount that the insured person has paid to the insurance company.

There are several benefits that can be obtained with the purchase of a critical illness insurance policy. For instance, it will help to cover the cost of medical treatment for the insured, thereby reducing the monthly costs of living expenses for the insured person. Likewise, the insurance policy can also help to reduce the amount that the insured person has to pay towards his/her debts.

Life insurance policies also fall into the category of critical illnesses cover, which can help the insured to make ends meet. These policies offer coverage to people who have a serious life-threatening or dying condition. It provides coverage for funeral costs, for the burial of the insured, and also for the upkeep of a house and family until the time the insured's death, and for certain taxes. on property that the insured owns.

Most critical illness policies also cover the cost of providing medical care to the insured and his/her family. This helps to pay for the treatment of the insured at the expense of the insurance company that insures the insured person, if the insured person dies, and also for other medical costs incurred by the insured or his/her family that are not covered by Medicare. In other words, the insured is insured for these kinds of medical costs even if the insured is unable to pay for them.

A critical illness policy is not a life insurance policy and it cannot be sold in the same way that life insurance policies are sold. A critical illness policy is therefore bought for short-term or emergency purposes only, and its payment terms will depend on the terms and conditions of the policy and the type of policy purchased.

As with any other kind of insurance policy, the critical illnesses insurance buyer must always check the policy against several conditions. If the insured is already insured for another type of life insurance plan, then they must consider whether or not the current life insurance policy covers critical illnesses, if there is a gap in coverage, or if there is any other type of gap in coverage and how much coverage is being provided for. Other than that, the insured person needs to take time to research thoroughly before purchasing the policy. Since the cost of living today is extremely high, and insurance companies have started to reduce their risk factor, it is important for the life-insurance buyer to check the critical illnesses insurance provider thoroughly before making a decision.

Best Critical Illness Plan in UAE, Dubai Your Health matters! – critical illness insurance | critical illness insurance

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The post Five Things Nobody Told You About Critical Illness Insurance | critical illness insurance appeared first on Insurance.

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12 steps to financial solvency

For many the first few weeks of a new year are a period of reflection.

One of the biggest issues to dominate our minds at this time is our financial situation and taking good care of your money could be more important than ever in 2017, which looks set to be a turbulent year.

So summon up all your self-discipline and get your financial house in order with this 12-step strategy:

1 Tidy up your paperwork

Pull together details of all your bank statements, savings accounts, investment plans and insurance policies and make sure you have your money in the right place.

Do you have large sums sitting in a current account earning zero interest, when that money could be working harder elsewhere? Have you lost track of any old bank accounts or pension pots? Have you written or updated your will lately? Now is the time to find out.

2 Keep a budget

Start by drawing up a list of all your regular monthly expenses to see where the money is going and whether you can make cutbacks. Are you spending more than you are likely to earn each month? Are you frittering cash in the malls or spending too much on late nights out?

Sam Instone, the chief executive at Dubai-based advisers AES International, says it is nearly always possible to cut your spending. "Most people build their wealth through years of hard work, perseverance, planning and most of all, self-discipline. Do those words apply to you?"

3 Plan ahead

Ambareen Musa, the founder and chief executive of comparison site Souqalmal.com, says you should decide your financial goals first and then work out what steps you must take to get there. "Plan for major expenses such as moving house, holidays and travel spends, a new car and so on well in advance. If you spread the cost throughout the year, you won't get hit with them all at the same time."

4 Prepare for a rainy day

2016 was a year full of political shocks, and 2017 could prove just as troubled, as the era of near-zero interest rates and inflation draws to a close.

The US Federal Reserve finally increased interest rates in December and may hike them three times more in 2017, while president-elect Donald Trump's proposed trillion-dollar reflation blitz signals an end to the age of austerity.

You also need to protect yourself against any personal swings in fortune such as losing your job, rising mortgage rates or a property crash.

A safety net is vital in uncertain times, says Ms Musa at Souqalmal. "Could you really manage if you were faced with a sudden cash crunch? Building an emergency savings pot to help you out in difficult times is vital."

You should have at least three to six months' worth of cash kept aside for a rainy day, ideally in an instant access savings account, she adds. "The money should be kept on easy access, so you can get to it in a hurry. The interest rates may be lower but the cash is there when you need it," Ms Musa explains.

5 Pay down debts

You will be in better shape to withstand any shocks if you take control of your debts sooner rather than later.

Running up large personal debts on expensive short-term lending such as a credit card means throwing money away on exorbitant interest every month. A card charging a monthly annual percentage rate of 2.99 per cent is actually costing you a hefty 42.4 per cent a year when the interest rate is compounded.

Personal loan and credit card debt is not something you should run up lightly, so tackle yours before it spirals out of control, Ms Musa says. "The new year is the perfect time to start sorting out the mess."

She recommends setting a target for the amount of debt you wish to pay off this year. "Rank your debts according to the rate they charge and pay down the most expensive first. Then move on to the next most expensive while maintaining the minimum monthly payments on all of them.

"This method is called debt stacking - or sometimes snowballing - and helps reduce the overall amount of interest you pay and slow the pace at which it rolls up."

Also, consider taking out a balance transfer credit card to give you a little breathing space. RAKBank's Visa card, for example, charges zero interest for three months with a processing fee of 1.9 per cent, and a relatively competitive 2 per cent a month thereafter.

CBD charges zero interest for six months on balance transfers with a 1 per cent processing fee and 1.5 per cent a month on purchases.

6 Start saving now

Once you have your debts under control, start saving for the future.

Kunal Malani, the head of customer value management, retail banking and wealth management at HSBC, says if you want to enjoy a comfortable retirement, or fund your children's education, you need to start setting aside regular amounts today.

"The benefits of starting early are many. As a hypothetical example, if you started investing US$1,250 a month at age 35 your savings could be worth $855,000 by age 60, with premiums totalling $375,000," he says. "However, if you save the same amount from age 45, your total pot could be just $360,000 by age 60, with premiums totalling $225,000."

Both calculations assume exactly the same annual compound interest growth of 5.7 per cent a year. Starting early provides a double benefit: you deposit more money into your savings and the funds have far longer to grow.

"The difference is evident as you can see, and shows why saving regularly and investing early produces results," adds Mr Malani.

7 Take cover

As well as saving for the future, you must also guard against potential shocks along the way. "Events such as redundancy, critical illnesses, traumatic accidents and even early death can have a significant financial, as well as, an emotional effect," says Mr Malani.

These are often unpredictable so you need to protect yourself with stand-alone life and critical illness cover, to protect your family should the worst happen, he adds.

8 Shop around

Are you sure you are getting the best possible deal on everyday financial products such as your credit cards, car loan, personal loan, currency transfer service, home, health and travel insurance? Now is the ideal time to find out.

Dig out your paperwork then head online to a comparison site such as Souqalmal.com, Compareit4me.com or MoneyCamel.com to see if you can get a better deal.

Do not always just go for the cheapest, but make sure they also give you the same - or superior - levels of cover and service.

9 Review your mortgage

If you own a property or two, your mortgage is likely to be your biggest monthly expense, so you need to keep it under control.

Record low interest rates have tempted many to take on large sums of debt either to invest in property or buy a place of their own, and this leaves them vulnerable to rising interest rates.

The process may have started with the US Federal Reserve increasing rates in December, with a further three rate hikes pencilled in for 2017.

Richard Bradstock, director and head of Middle East at real estate firm IP Global, says now is a good time to review your mortgage to see if you can get a better deal. "If you have a large mortgage and can reduce the long-term rate from, say, 4 per cent to 3 per cent, this could save you a major sum of money over the years."

Before rushing to remortgage, check whether you will pay early redemption charges on your existing deal, this may wipe out many of your savings. "Also, beware of arrangement fees and other costs on your new deal, which can eat into the savings you make."

Consider a long-term fixed-rate mortgage, as this could allow you to lock in today's historically low levels and protect you from future rate hikes, he adds.

10 Get the investment balance right

Find out exactly where your money is invested, and work out whether it matches your goals.

Tom Stevenson, investment director for personal investing at Fidelity International, says 2017 looks set to be another year of uncertainty so it would be prudent to protect yourself against market volatility. "The best way to future-proof your portfolio is to place your eggs in several baskets. No one knows what lies ahead so diversify your holdings across a range of assets such as bonds, equities and property, spread around the world's geographical regions."

Investing is a long-term game so don't be put off by short-term market jitters, Mr Stevenson adds. "While it might be tempting to jump ship when markets get choppy, it is usually a mistake. Time in the market matters much more than timing the market."

If you are worried about putting a lump sum into today's volatile markets, consider drip-feeding money instead. "Staying committed and spreading your investments over time helps to cushion your portfolio from stock market dips," Mr Stevenson says.

11 Avoid getting ripped off

One of the biggest financial dangers that UAE residents face is being tricked into an overpriced investment plan by a commission hungry financial adviser.

Sam Instone of AES International says too many are paying into outdated investment schemes sold by banks or advisers, such as education plans, pensions or long-term contractual savings. "These tend to be expensive, inflexible and offer a poor range of investment funds."

Deciding what to do if you have already locked into one of these plans is difficult, as cashing in early can trigger penalties and you could lose much of the money you invested. "A properly regulated adviser can analyse your plan's charges and terms, and recommend what you should do with it. You could save hundreds of thousands of dirhams in some cases," says Mr Instone, adding that new investors should shun contractual plan or high-charging insurance company investment policies.

from Personal Finance RSS feed - The National http://www.thenational.ae/business/personal-finance/12-steps-to-financial-solvency