Joined: 26 Aug 2019
|Many people are unaware of what a critical illness insurance policy is and others that do know may consider it to be a waste of money. Basically this is where a provider being an insurance company , offers covers to the insured person(s) for the future. As the future is unforeseeable we can only try and protect ourselves financially against something happening to us. If an insured person was to submit a claim for a critical illness, this would be based upon them developing a critical illness that is and has to be medically confirmed by a practicing doctor. Insurance companies that offer critical illness insurance are obliged to cover a certain amount of critical illnesses. Typically these are found to be cancer, strokes , major organ transplants, multiple sclerosis, heart attacks , kidney failure and coronary artery bypasses. Anything else that an insurance company offers cover for is typically up to the discretion and choice of the provider. This means that they may choose to offer cover for just the minimum amount of conditions but on the other hand they can add illnesses such as coma, loss of limbs, terminal illnesses , Parkinson’s disease, third degree burns, blindness and many more.
If the insurance company chose to add just a few amounts of conditions then the competition of other insurance companies would almost certainly take the majority of the business for offering a better more comprehensive insurance policy on the market. A critical illness that the majority of insurance companies will cover is cancer. This is a horrible disease that has devastating effects on not only the persons affected but their families too. Many companies offer cancer as a critical illness because it is not only compulsory but it is one of the largest and commonest illnesses that affect the Unite Kingdom. One of the commonest forms of illness that has been proven to be found in all age groups , sexes etc. Typically an insurance company will choose to cover a malignant form of cancer which may include sarcoma, leukaemia and lymphoma; however they will not cover a cancer that is of a less advanced case.
It is very hard to decide if you should take out a form a protection in the forms of life insurance etc or not. However you should really weigh up the pros and cons of both taking it out as apposed to not taking it out. If you decide upon taking the plane life insurance out on its own, how do you know that you may not develop during this period a critical illness? As it sounds the life cover will only apply to the death of the life insured. If on the other hand you shopped around and found a comprehensive mixed policy of life and critical illness , should anything happen to you illness wise you would be covered for that as well. As there is no way of knowing what the future holds it is pretty much a gamble as to if you are going to risk going through life with out this cover or if you are prepared to pay your money for it and potentially have the cover in force even if you don’t ever use it. If you as any financial adviser they will undoubtedly advise you to take out critical illness cover as long as you can afford to pay for the premiums. Insurance companies along with covering the compulsory types of illnesses often choose to offer cover for other critical illness such as benign brain tumours. The reasons they do this is so that:
. They can keep up with the competition.
. They can offer customers a more comprehensive type of insurance.
. They can sell their policies more easily.
. They can optimise the amount of potential customers that they receive.
This type of tumour can affect a person’s life in the ways that it can affect the sufferer’s vision, balance, hearing , sense of smell and many more. These types of tumours can unfortunately also be life threatening. Although these types of tumours are classed as being benign they can unfortunately compress the brains tissue and other parts onto the skull which can lead to a fatality of the person suffering.
I found the following articles very good for my research on the subject Critical Illness Reviews and Critical Illness Cover
Something you really need to know about a misdemeanor dui is that in both the 1st and next times you get a dui it will be considered a misdemeanor dwi unless you injured somebody but the third time is automatically a felony. What lots of people do not know regarding this is why the third time is always a felony no matter what, the reason is really quite simple, a felony is anything that is in anyway dangerous and being that you’ve just received 2 DUI’s you will be marked as dangerous. As you can most likely already tell , the majority of people that get one dwi should get 1 more but after that the DUI’s tend to stop.
One thing that you have to know is without the proper legal representation you’ll almost always get a felony and the reason is because that is exactly where judges start the process from. If you would like to get your felony reduced to a misdemeanor then you will need to know what to say to the judge in order for that to take place, that is why a lawyer is wonderful to have at this point. One thing that lots of individuals do not understand even if they’ve received a felony dwi before is that a drunk driving citation yet if it is downgraded to a misdemeanor is still added to the three strike rule.
The final thing you need to understand is that all DUI’s are very serious no matter what state you’re in and nowadays law enforcement officers are really cracking down on people who are found driving while intoxicated. Normally for adults that are discovered driving while intoxicated they’re placed in jail for a night just to get them to sober up and then they are released until the hearing. The reason why drunk drivers are released temporarily is simply before their c.