Krong Khmer

Sunday, July 15, 2018

General Affectability Solutions

July 15, 2018 0
General Affectability Solutions
Standard sensitivities are an ordinary event of late. falling leaves, blossoming timber, brambles and sprouts - they may all be prepared for cause them. while solutions are a predictable assurance, there are a few normal treatment plans you can endeavor before bringing inside the fight.

saline nasal sprinkle

This impressively out-dated treatment has turned into each jap and western masters' favoring. it is a fundamental water-salt game-plan a good strategy to clean your nostrils from any difficulties and allergens, in this way empowering you to take in significantly less dreadful. to impact the strategy you to require a quart of water. bubble it to refine it and in a while, allow it chill. while it is warm, you could surmise three tbsp. of non-iodized salt (ocean salt works satisfactory and dandy) and one tbsp. warming pop.

the procedure of clearing your nostrils is greatly hard in light of the way that it involves pouring the blend for your nose to freed from the difficulties.

Steam interior breath

Another genuinely extraordinary approach for diminishing the markers of sensitivities to a honest to goodness least is by techniques for steam interior breaths. that is yet one extra exceptionally antiquated system which could have no symptoms. you ought to truly bubble water in a compartment of your picking. a sauce dish works great for me as it gives a wide surface to the water to misuse. at the point when the fluid air takes take it off the stove and notice it in a protected locale.

Drop a few drops of tea tree, rosemary, eucalyptus and myrtle central oils. tidy up the towel and district it over your head, with the objective which you generally tend the sauce dish. your face ought to be sufficiently far to avoid blasts yet, as near the water as might be sensible. live completed the steam for around 5-10 minutes and after that proceed nearby your well ordered inspiration.

two or three fixings like nectar and yogurt can stimulate your protected framework in this manner fortifying your resistance towards the allergens. try to exhaust the undefined grouping of load of the earth and center in your granny's thought - gobble up a tablespoonful of nectar every morning sooner than you eat!

Restorative focal points of Carrot

July 15, 2018 0
Restorative focal points of Carrot
The greater part of the Medical advantages of carrots can be credited to their beta carotene and fiber content. This root vegetable is besides a respectable wellspring of infection evasion expert directors. Also, carrots are wealthy in vitamin A, Vitamin C, Vitamin K, vitamin B8, pantothenic dangerous, folate, potassium, iron, copper, and manganese.
1. Enhances Vision: Western culture's impression of carrots being "profitable for the eyes" is one of only a humble cluster few we got right. Carrots are wealthy in beta-carotene, which is changed over into vitamin An in the liver. Vitamin An is changed in the retina, to rhodopsin, a purple shading essential for night vision.

2. Imagines Malady: Contemplates have indicated carrots lessen the danger of lung risk, chest advancement and colon tumor. Specialists have starting late found falcarinol and falcarindiol which they feel cause the anticancer properties.

3. Backs off building up: The bizarre state of beta-carotene goes about as a development shirking authority to cell hurt done to the body through standard preparing system. It empower backs to off the creating of cells.

4. Checks Ailment: Carrots are known by botanists to adjust ailment. They can be utilized on cuts – destroyed unpleasant or permeated and squashed.

5. Valuable for Skin: Vitamin An and tumor revultion administrators shields the skin from sun hurt. In ampleness of vitamin A reason dryness to the skin, hair and nails. Vitamin A parities badly designed wrinkling, skin exacerbation, dry skin, pigmentation, defects, and uneven skin tone.

6. Forestalls coronary ailment: Considers demonstrate that weight control plans high in carotenoids are related with a lower danger of coronary ailment. Carrots have beta-carotene and also alpha-carotene and lutein.

7. Anticipates stroke: From all the above central focuses it is nothing startling that in a Harvard College consider, individuals who ate more than six carrots seven days are less arranged to endure through a stroke than the general population who ate rise carrot multi month or less.

20 Fabulous Inspirations to Advance up and go beyond

July 15, 2018 0
20 Fabulous Inspirations to Advance up and go beyond
Flourishing, imperativeness, and serenity....Who might not have any desire to hold tight with far of life flooding with these 3 key fixings? Genuine and energized flourishing can't be master without attempt and tenacious works of art. You have to stand up and take in with a dash of luckiness.
Severa individuals figure the season of they may be by and by not unwell or experiencing contamination, they're wearing on with a solid lifestyles. Be that as it could, that is an imperfect judgment. Being in reality sound suggests that the imperativen and thoughts are playing out their duties precisely. It surmises having a superior than normal blood skim, adequate mental and stable fine, and enough stamina and essentialness to stay vivaciously and recognize nearness totally.

There is one and the best factor that may enable us to accomplish those clearly dangerous destinations, standard physical development. The assurance is yours, it can be dynamic by strolling, walking, going for walks, swimming, doing yoga, indoor or outside cycling, using prosperity adapt at family unit, taking off to a course steady or wagering some affiliation side interest always.

Human bodies are normal for centerpieces and keeping in mind that we let ourselves persuade the chance to be sluggish and idle, it's miles similarity giving our frameworks a hazard to close down, routinely and convolutedly. Our immediate need toward be to acknowledge medicinal issues as opposed to consider them to be and once they snowball into our life. Past any vulnerability severa outside segments can't be directed anyway last generous dynamic is generally in our own particular arms.

The advantages of standard genuine physical activities are severa anyway we ought to explore whether you may be instigated with the running with. Experts suggest that in vogue generous development for half-hour reliably can

1. Diminish academic broaden and help with extricating up

2. Expansion genuine momentous and stamina

3. Abatement beat and dreadful ldl cholesterol and unclog supply courses

Four. Enhance loosening up and battle absence of rest

Five. Help weight diminishing and regulate cumbersomeness.

6. Light up cardiovascularly and breath structures

7. Tone the muscle tissues with the desire that you appearance and sense first class.

Eight. Upgrade mental high gauge and help in fixation, center, and support.

Nine. Quiet wretchedness and fight occasional overflowing with feeling inconvenience (hopeless) by strategies for discharging endorphins in move structure

10. Complete closeness and sexual conjunction

11. Reduce menstrual issues in ladies

12. Create plot flexibility and rely upon muscle issues and wounds

Thirteen. Put off notice signs of creating and reducing the danger of falls

14. Excite wellknown thriving with the guide of boosting safe structure

15. Equalization drive and help you surrender smoking and substance manhandle

16. Make you altogether less inclined to diabetes, colon and chest risk, stroke, coronary heart issues and other nearness undermining contaminations

17. Help convenientce in status and smooth the system of osteoporosis

18. Imagine muscle shortcoming that causes returned throb

19. Smooth down degeneration of the focal substantial system which causes dementia

20. Decrease restorative expert's visit charges, journeys to helpful pro's concentrations and crisis rooms.

Insurance and its Essential Role to Play in the Life of an Individual

July 15, 2018 0
Insurance and its Essential Role to Play in the Life of an Individual
Monetary security implies fulfilling his or her needs like restorative care, safe house, nourishment and more in the present as well as even sooner rather than later. This dependably accompanies monetary hazard that is gotten from the distinctions of the normal result.

The good thing is that financial hazard is precisely overseen by the protection business. In such a formal course of action of protection, protection policyholder pools every one of his dangers with different policyholders. Be that as it may, at that point, a specific policyholder is never again expected of building up an immediate association with different policyholders.

Protection and its Fundamental Capacity

Protection is for the most part a valuable apparatus that aides in decreasing every single money related misfortune or hardships. This is basically present in light of the dangers that accompany it. As a matter of fact, all individuals might be considered as the casualties of unforeseen circumstances like robbery, mischances, damage mishaps, fire, serious climate, sickness, claims and some more. They are inclined to dangers at work, home, voyaging and autos.

In purchasing a strategy, you are likewise influencing consistent installments to like the premiums. In the event that you will make a claim, a guarantor will pay out for the conceivable misfortunes that are secured under the approach. If you'll not make a claim, you'll not have the possibility of getting your cash. This will be pooled with the majority of the premiums from different policyholders.

In settling on the sort of protection to look over, you have to continue contemplating:

The Explanation for Deciding for the Scope

Things to Incorporate into your Scope

The Reasonableness

The Length of the Scope

The Particular Part to Play by a Protection Consultant

You have to recall forget that a protection consultant has his or her basic part to play as far as money related arranging. He or she is the expert individual to assist you with your buy of a strategy. They are making an incredible and association with the organization and clients around.

A protection consultant has his or her particular part to play in discovering protection arrangements that are in the wake of addressing the requirements of customers and building the offers of an organization. In this manner, a counsel is expected of playing his or her basic part. By getting the help of a protection counsel, expect that you will likewise be getting the trust of a client and a back up plan.

Among the particular parts to play by a protection counselor incorporate understanding the speculation and protection assurance needs of a man. Aside from it, he or she has the part of prescribing and recognizing the best arrangements in addressing the customers' needs. Item portfolios are likewise offered for the ensured fulfillment everything being equal. Such conventions are likewise finished by a counselor for the approach to be issued totally.

Thursday, June 21, 2018

Car Insurance Terms and Glossary

June 21, 2018 0
Car Insurance Terms and Glossary
No car insurance resource would be complete without a comprehensive glossary of car insurance terms. We've compiled a list of terms and their definitions to better help you navigate the sometimes confusing world of insurance Accident - This is an unexpected sudden event that causes property damage to an automobile or bodily injury to a person. The event may be an at-fault or not-at fault and it may be report or unreported. An accident involving two vehicles may be termed a collision. Accident report form - This is the report filed by police, often called the police report, containing the important information regarding the vehicle collision. This report will include the names of all individuals involved, vehicles involved, property damaged and citations that were issued. Adjuster - This is the person who will evaluate the actual loss reported on the policy after an accident or other incident. They will make the determination on how much will be paid on the auto insurance policy by the Insurer. Agent - This is a licensed and trained individual who is authorized to sell and to service insurance policies for the auto insurance company. At Fault - This is the amount that you, the policy holder, contributed or caused the auto collision. This determines which insurance agency pays which portion of the losses. Auto Insurance Score - This is a score similar to credit score that evaluates the information in your consumer credit report. These scores are used when determining pricing for your auto insurance policy.
Negative marks on your credit report can increase your auto insurance premiums. The use of this information to determine policy pricing does vary from state to state. Automobile Insurance - This is a type of insurance policy that covers and protect against losses involving automobiles. Auto Insurance policies include a wide range of coverage's depending on the policy holders needs. Liability for property damage and bodily injury, uninsured motorist, medical payments, comprehensive, and collision are some of the common coverage's offered under an auto insurance policy. Binder - This is a temporary short-term policy agreement put in place while a formal permanent policy is put into place or delivered. Bodily Injury Liability - This is the section of an insurance policy that covers the cost to anyone you may injure. It can include lost wages and medical expenses. Broker - This is a licensed individual who on your behalf sells and services various insurance policies. Claim - This is a formal notice made to your insurance company that a loss has occurred which may be covered under the terms of the auto insurance policy. Claims Adjuster - This person employed by the insurance agency will investigate and settle all claims and losses. A representative for the insurance agency to verify and ensure all parties involved with the loss, get compensated fairly and correctly. Collision - The portion of the insurance policy that covers damage to your vehicle from hitting another object. Objects can include but are not limited to; another vehicle, a building, curbs, guard rail, tree, telephone pole or fence. A deductible will apply. Your insurance company will go after the other parties insurance policy for these cost should they be at fault. Commission - This is the portion of the auto insurance policy that is paid to the insurance agent for selling and servicing the policy on behalf of the company. Comprehensive - This is a portion of the insurance policy that covers loss caused by anything other than a collision or running into another object. A deductible will apply. This includes but is not limited to vandalism, storm damage, fire, theft, etc. Covered loss - This is the damage to yourself, other people or property or your vehicle that is covered under the auto insurance policy. Declarations Page - This is the part of the insurance policy that includes the entire legal name of your insurance company, your full legal name, complete car information including vehicle identification numbers or VIN, policy information, policy number, deductible amounts. This page is usually the front page of the insurance policy. Deductible Amount - This is the portion of the auto insurance policy that is the amount the policy holder must pay up front before the Insurance Company contributes and is required to pay any benefits. This amount can be within a wide range in price and varies from approximately $100 - $1000. The larger amount you pay in a deductible the lower your normal monthly/yearly policy will cost. This is the portion of the auto insurance policy that would be applicable only to comprehensive or collision coverage. Discount - This is a reduction in the overall cost of your insurance policy. Deductions can be given for a variety of different reasons including a good driving record, grades, age, marital status, specific features and safety equipment on the automobile. Emergency Road Service - This is the part of an auto insurance policy that covers the cost of emergency services such as flat tires, keys locked in the car and towing services. Endorsement - This is any written change that is made to the auto insurance policy that is adding or removing coverage on the policy. Exclusion - This is the portion of the auto Insurance policy that includes any provision including people, places or things that are not covered under the insurance policy. First Party - This is the policyholder, the insured in an insurance policy. Gap Insurance - This is a type of auto insurance provided to people who lease or own a vehicle that is worth less than the amount of the loan. Gap auto Insurance will cover the amount between the actual cash value of the vehicle and the amount left on loan should the care be stolen or destroyed. High-Risk Driver - If you have a variety of negative marks on your insurance record including driving under the Influences, several traffic violations, etc. you may be labeled as a risk to the insurance company. This will increase your insurance policy or may make you ineligible for coverage. Insured - The policyholder (s) who are covered by the policy benefits in case of a loss or accident. Insurer - Is the Auto Insurance company who promises to pay the policy holder in case of loss or accident. Liability insurance - This part of an auto insurance policy which legally covers the damage and injuries you cause to other drivers and their vehicles when you are at fault in an accident. If you are sued and taken to court, liability coverage will apply to your legal costs that you incur. Most states will require drivers to carry some variation of liability coverage Insurance and this amount will vary state by state. Limits - This is the portion of the auto insurance policy that explains and lists the monetary limits the insurance company will pay out. In the situation you reach these limits the policy holder will be responsible for all other expenses. Medical Payments Coverage - This is the portion of an auto insurance policy that pays for medical expenses and lost wages to you and any passengers in your vehicle after an accident. It is also known as personal injury protection or PIP. Motor Vehicle Report - The motor vehicle report or MVR is a record issued by the state in which the policy holder resides in that will list the licensing status, any traffic violations, various suspensions and./ or refractions on your record. This is one of the tools used in determining the premium prices offered by the insurance agency. This is also used to determine the probability of you having a claim during your policy period. No-Fault Insurance - If you reside within a state with no-fault insurance laws and regulations, your auto insurance policy pays for your injuries no matter who caused the accident. No-fault insurance states include; Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania, Utah and Washington, DC.. Non-Renewal - This is the termination of an auto insurance policy on the given expiration date. All coverage will cease as of this date and insurer will be released of promised coverage. Personal Property Liability - This is the portion of the auto insurance policy that covers any damage or loss you cause to another person's personal property. Personal Injury Protection or PIP - This portion of an auto insurance policy pays for any lost wages or medical expenses to you and any passengers in your vehicle following an accident. PIP is also known as medical payments coverage. Premium - This is the amount charged to you monthly, yearly or any other duration agreed upon by insurance company and policy holder and paid directly to the auto insurance company. A premium is based on the type and amount of coverage you choose for your vehicle(s) and yourself. Other factors that will affect your insurance premium prices include your age, marital status, you're driving and credit report, the type of car you drive and whether you live in an urban or rural area. Premiums vary by insurance company and the location you live. Quotation - This is the amount or estimated amount the insurance will cost based on the information provided to the agent, broker or auto insurance company. Rescission.- This is the cancellation of the insurance policy dated back to its effective date. This would result in the full premium that was charged being returned. Rental Reimbursement - This is the portion of the auto insurance policy that covers the cost of an automobile rental of similar size should the covered vehicle be in repair from a reported incident. Replacement Cost - This is the amount of money it would cost to replace a lost or damaged item at it is actually new replacement value. This monetary amount would be based on a new identical item in the current local market. Salvage - This is the auto insurance policy holders property that is turned over tot eh insurance agency in a loss final settlement. Insurance companies will sell the salvage property in hopes to recoup some of its monetary loss due to the loss and settlement. Second Party - this is the actual insurance company in the auto insurance policy. Surcharge - This is the amount added to your auto insurance policy premium after a traffic violation or an accident in which you were found to be at fault. Third Party - This is another person other than the policy holder and auto insurance company who has faced a loss and may be able to collect and be compensated on behalf of the policy holder's negligence. Total Loss - This is complete destruction to the insured property of a policy holder. It has been determined that it would be a great sum of money to repair the item rather than replace the insured piece of property to its state prior to the loss. Towing Coverage - This is the portion of the auto insurance policy that covers a specified amount for towing services and related labor costs. Under insured Driver - This is the portion of an auto insurance policy which covers injuries to you caused by a driver without enough insurance to pay for the medical expenses you have incurred from the accident. This is portion of the policy can vary state by state as some states include damage to the car in this section. Uninsured Driver or Motorist - This is the portion of the auto insurance policy which covers injuries to you caused by a driver who was without liability insurance at the time of the accident. Uninsured driver or motorist coverage comes in two different sections; uninsured motorist bodily injury and uninsured motorist property damage. Uninsured motorist bodily injury coverage covers the injuries to you or any passenger in your vehicle when there is an accident with an uninsured driver. Uninsured motorist property damage coverage covers the cost for the property damage to your vehicle when there is an accident with an identified uninsured driver. Uninsured driver or motorist coverage must be offered when you purchase the required liability coverage for your vehicle. You must sign a declination waiver if you decline Uninsured driver or motorist coverage. The majority of states require drivers to carry some form of uninsured motorist coverage. Some states include damages to your car in this coverage. Vehicle Identification Number or VIN - A VIN is a 17 letter and number combination that is the identification of the specific vehicle. It will identify the make, modem and year of the automobile. This number is typically located on the driver's side window on the dash. It can also be found on the vehicles registration and title. Article Source: Article Source:

A Beginner's Guide to Insurance

June 21, 2018 0
A Beginner's Guide to Insurance
Having the right kind of insurance is central to sound financial planning. Some of us may have some form of insurance but very few really understand what it is or why one must have it. For most Indians insurance is a form of investment or a superb tax saving avenue. Ask an average person about his/her investments and they will proudly mention an insurance product as part of their core investments. Of the approximately 5% of Indians that are insured the proportion of those adequately insured is much lower. Very few of the insured view insurance as purely that. There is perhaps no other financial product that has witnessed such rampant mis-selling at the hands of agents who are over enthusiastic in selling products linking insurance to investment earning them fat commissions. What is Insurance? Insurance is a way of spreading out significant financial risk of a person or business entity to a large group of individuals or business entities in the occurrence of an unfortunate event that is predefined.
The cost of being insured is the monthly or annual compensation paid to the insurance company. In the purest form of insurance if the predefined event does not occur until the period specified the money paid as compensation is not retrieved. Insurance is effectively a means of spreading risk among a pool of people who are insured and lighten their financial burden in the event of a shock. Insured and Insurer When you seek protection against financial risk and make a contract with an insurance provider you become the insured and the insurance company becomes your insurer. Sum assured In Life Insurance this is the amount of money the insurer promises to pay when the insured dies before the predefined time. This does not include bonuses added in case of non-term insurance. In non-life insurance this guaranteed amount may be called as Insurance Cover. Premium For the protection against financial risk an insurer provides, the insured must pay compensation. This is known as premium. They may be paid annually, quarterly, monthly or as decided in the contract. Total amount of premiums paid is several times lesser than the insurance cover or it wouldn't make much sense to seek insurance at all. Factors that determine premium are the cover, number of years for which insurance is sought, age of the insured (individual, vehicle, etc), to name a few. Nominee The beneficiary who is specified by the insured to receive the sum assured and other benefits, if any is the nominee. In case of life insurance it must be another person apart from the insured. Policy Term The number of years you want protection for is the term of policy. Term is decided by the insured at the time of purchasing the insurance policy. Rider Certain insurance policies may offer additional features as add-ons apart from the actual cover. These can be availed by paying extra premiums. If those features were to be bought separately they would be more expensive. For instance you could add on a personal accident rider with your life insurance. Surrender Value and Paid-up Value If you want to exit a policy before its term ends you can discontinue it and take back your money. The amount the insurer will pay you in this instance is called the surrender value. The policy ceases to exist. Instead if you just stop paying the premiums mid way but do not withdraw money the amount is called as paid-up. At the term's end the insurer pays you in proportion of the paid-up value. Now that you know the terms this is how insurance works in plain words. An insurance company pools premiums from a large group of people who want to insure against a certain kind of loss. With the help of its actuaries the company comes up with statistical analysis of the probability of actual loss happening in a certain number of people and fixes premiums taking into account other factors as mentioned earlier. It works on the fact that not all insured will suffer loss at the same time and many may not suffer the loss at all within the time of contract. Types of Insurance Potentially any risk that can be quantified in terms of money can be insured. To protect loved ones from loss of income due to immature death one can have a life insurance policy. To protect yourself and your family against unforeseen medical expenses you can opt for a Mediclaim policy. To protect your vehicle against robbery or damage in accidents you can have a motor insurance policy. To protect your home against theft, damage due to fire, flood and other perils you can choose a home insurance. Most popular insurance forms in India are life insurance, health insurance and motor insurance. Apart from these there are other forms as well which are discussed in brief in the following paragraphs. The insurance sector is regulated and monitored by IRDA (Insurance Regulatory and Development Authority). Life Insurance This form of insurance provides cover against financial risk in the event of premature death of the insured. There are 24 life insurance companies playing in this arena of which Life Insurance Corporation of India is a public sector company. There are several forms of life insurance policies the simplest form of which is term plan. The other complex policies are endowment plan, whole life plan, money back plan, ULIPs and annuities. General Insurance All other insurance policies besides Life Insurance fall under General Insurance. There are 24 general insurance companies in India of which 4 namely National Insurance Company Ltd, New India Assurance Company Ltd, Oriental Insurance Company Ltd and United India Insurance Company Ltd are in the public sector domain. The biggest pie of non-life insurance in terms of premiums underwritten is shared by motor insurance followed by engineering insurance and health insurance. Other forms of insurance offered by companies in India are home insurance, travel insurance, personal accident insurance, and business insurance. Buying Insurance There are an umpteen number of policies to choose from. Because we cannot foresee our future and stop unpleasant things from happening, having an insurance cover is a necessity. But you need to choose carefully. Don't simply go with what the agent tells you. Read policy documents to know what is covered, what features are offered and what events are excluded from being insured. 1. Know your Needs Determine what asset or incident must be protected against loss/damage. Is it you life, health, vehicle, home? Next determine what kinds of damage or danger exactly would the assets be most probably be exposed to. This will tell you what features you should be looking for in a policy. Of course there will be losses which cannot be foreseen and the cost of dealing with them can be very high. For instance nobody can predict that they'll never suffer from critical illnesses no matter if they're perfectly healthy at present. The biggest mistake while it comes to buying insurance, particularly life insurance is to view it as an investment. Clubbing insurance and investment in a single product is a poor idea. You lose out on both fronts because for the premiums you're paying more cover could've been got in a term plan and if the premiums were invested in better instruments your returns could've been several times more. Be wary of agents who want to talk you into buying unnecessary policies like child life insurance, credit card insurance, unemployment insurance and so on. Instead of buying separate insurance for specific assets or incidents look for policies that cover a host of possible events under the same cover. Whenever possible choose riders that make sense instead of buying them separately. Unless there is a fair chance of an event happening you do not need insurance for it. For instance unless you are very prone to accidents and disability due to your nature of work or other reasons you do not need an Accident Insurance policy. A good Life Insurance policy with accidental death rider or waiver of premium rider or a disability income rider will do the job. 2. Understand Product Features and Charges The worst way of choosing an insurance product or insurer is to blindly follow the recommendation of an agent or a friend. The good way to do it is to shop around for products that suit your need and filter out the ones offering lower premiums for similar terms like age, amount of cover, etc. All details you need about the product features and charges will be provided on the company's website. Many insurance policies can now be bought online. Buying online is smarter because premiums are lower due to elimination of agent fees. If buying offline in case of life insurance, tell the agent that you're interested only in term insurance. Before you sign on the contract make sure you have understood what items are covered and what items are exempted from the cover. It would be so devastating to learn in the event of damage or loss that the item you hoped to cover with the insurance was actually excluded. So many people rush to their insurers after being treated for diseases only to realize that the particular disease was excluded. Understand details like when the cover begins and ends and how claims can be filed and losses be reported. Don't choose an insurance company because your neighbourhood friend is their agent and never let them coax you into buying from them. Insurance premiums run for years and it means a sizeable amount of money. Apart from the premiums charged look for the service provided. When you are faced with a peril you want the claims collection processed to be complicated with non-cooperating staff in the insurance company's office. Seek answers from people who have had previous experience with the company for questions like how customer friendly and responsive the company is when it comes to handling claims. 3. Evaluate and Upgrade in Time As you walk from one life stage to another or when the asset insured changes your policies must be reviewed. Perhaps your cover will need to be increased (or decreased) or you'll need to top it up with a rider. Some instances when you need to review your cover are when you getting married, when you have children, when your income increases your decreases substantially, when you're buying a house/car and when you're responsible for your ageing parents. For more information, visit Personal finance is explained in a very easy to understand language. All the articles and reviews are unbiased and neutral. 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