Amanda was 42 when she was given the difficult news that she had ovarian cancer.

The West Yorkshire woman received chemotherapy treatment after diagnosis, but Amanda became one of the unlucky ones. She had a bad reaction to the chemotherapy and because of this she was unable to work.

So when a tax bill arrived in the post for a large sum of money, re-mortgaging her house felt like the right thing to do. The building society with whom she had the mortgage asked her to bring along her life insurance papers to support the mortgage application.

But to Amanda’s surprise, what she thought was a life insurance policy was in fact critical illness insurance instead. She had been paying out 80 per month for two separate insurance policies with Scottish Provident and Norwich Union and had absolutely no idea that those two policies covered her for critical illness.

As a result, Amanda claimed back a staggering 100,000, which paid not only the tax bill but her mortgage as well.

Many of us haven’t got a clue about the exact sum we’re paying on insurance each year or the details of what we are in fact covered for. Not only are we shocked to find out that we are actually covered for more than we in fact realise, but that we’re doubling up by paying for various types of insurance that actually cover the same thing.

You’ll find that it’s areas such as loss of income, legal expenses, theft and death which most often people wind up paying out twice for when there is no need – mainly because they haven’t carefully read the insurance policy or because it has been the case that some insurance has been put on to some policies as an added bonus.

In a recently released Financial Services Authority survey, it shows that car insurance policies also come with added extras like breakdown recovery and legal expense cover. Paying out for these added extras when you do not want them is an easy mistake to make, according to the survey, because you actually have to physically ring the insurance firm and tell the staff that you do not want them before these ‘options’ are removed from your agreement.

Take permanent medical insurance (PMI) for example. Many aspects of this policy cover you for the same things that Payment Protection Insurance covers you for. But few people realise this and so they take out both.

The FInancial Ombudsman is very aware about the situation surrounding insurance duplication. They say that “people often do not realise until they make a claim that they have been paying for a policy that provides very little, if any, benefit”.

Take a look at your Critical Illness Insurance, as this is one area in which you sometimes get cover from your employer. Find out whether you have this type of insurance with your work before you make the purchase on this policy. Do the same with life insurance, because if you have a company pension scheme, life insurance is something you do not actually need. The reason? Because most company pension schemes have a death-in-service benefit. What this means that should you die while you are still an employee at that particular firm, then large, a tax free payment will be made – a payment which could add up to four times your annual salary at the time of your death, or more.

Other types of insurance you might not need includes mobile phone insurance. The consumer watchdogs will tell you this is something that’s often a waste of money because you have to pay the first 50 of the claim and if you already have home insurance, that insurance might provide you with some protection.

Others include car insurance extras such as legal expense cover. If you are a member of a trade union, then you could have some legal cover anyway.

Some companies trying to get people to take out ID theft insurance. A waste of money? The consumer watchdogs think so because if it is the case your ID gets stolen you are only responsible for the first 50 and most of the time the banks are prepared to waive charges.

Announcing the Best Guarantee in a Long Term Care Policy

Are you 60 to 70 years old? If not you, maybe a family member? Then you’re about to discover something that could help prevent the total devastation of your personal estate.

Truth is, it’s likely the most important asset you could ever own. Here’s why.

For over 24 years, I have helped hundreds of individuals understand and implement money saving ideas. From birth to death I’ve witnessed families in every financial situation.

As my clients age (and me, too), I can tell you without hesitation the biggest fear of growing old is losing your ability to remain independent.

We might be living longer, this doesn’t mean we’re living any better.

Chronic disease is rampant… and it strikes with a vengeance when you least expect it.

How many people who have experienced a stroke knew it was going to happen to them?

How many anticipated that particular moment when they began to forget things?

The facts speak for themselves. Literally millions of Americans require long term care… either in nursing homes, day care centers, assisted living facilities or in their own homes.

And the cost of providing long term care is rising with no end in sight.

Think it won’t happen to you? Well, I’m sorry. Because this article doesn’t try to convince anyone about the likelihood of their needing care before they die.

It’s intended for those who understand and appreciate the importance of arming themselves with protection against the horrific expense of long term care.

In fact, this article is ideal for those who have already looked at traditional types of long term care policies and are trying to determine which type is best for them.

One of the biggest objections to buying a long term care policy is that if the benefit is never needed the premiums paid for the policy will be wasted.

This is somewhat like buying automobile insurance. You have to pay the premium in order to get your car repaired. But what if you never have an accident. Is that considered losing your premium?

Funny isn’t it? People hardly question paying for car insurance, but they frequently resist doing so for a long term care policy.

So… what if you could always get your premium back – guaranteed – if you never require any long term care?

And, what if you die before receiving long term care? Wouldn’t it be great if your loved ones could recover 100% of your premium expense?

How about this? You actually use up all of your long term care benefit. And then you die. What if your family could still get back 10 percent of your premium.

Now if you know anything about long term care policies you’re probably wondering why you haven’t heard of this type before.

One reason is because it is non-traditional and not included in the mainstream marketing of long term care policies.

Another is because it takes a large sum of money to buy the policy. 50,000 is typical and it’s a one-time single premium, which means you will never get stuck with a premium increase.

It is not uncommon for people between 60 and 70 to have large sums of money stashed away in bank CDs earning low interest. Kind of an emergency fund.

Transferring a portion of this fund into the policy makes sense because the money continues to earn interest. Besides, it usually pays more than the bank… plus, the policy interest is tax deferred.

It’s also common for people this age to have old life insurance policies with significant cash value.

Many times it’s possible to transfer the cash into the long term care policy and still retain a meaningful death benefit.

And the future long term care benefit could easily be worth over one million pounds.

This policy has a 90 day waiting period before benefits are paid. The length of the benefit can be as short as 4 years or as long as your lifetime. You can also get a 5% compound interest inflation protection rider to help keep up with the rising cost of care.

The name of this policy is MoneyGuard. It is a universal life insurance policy with a long term care rider. The issuing life insurance company is Lincoln Life, a subsidiary of Lincoln Financial Group.

By the way, this policy was initially developed by First Penn-Pacific Life many years ago. They have years of experience and an excellent reputation. Lincoln recently bought First Penn-Pacific.

Ask your life insurance agent to get you more information about this single premium policy. For the right situation it is absolutely the best guarantee in a long term care policy.

The amusement ride operatorattendant has full control on most rides and must be proactive and capable of reacting quickly to situations as they arise.

The safety record of the amusement ride industry has greatly improved as a result of inspections, ride maintenance, safe operations and better ride designs, and ride operatorsattendants play an important role in maintaining amusement ride safety.

Most countries have occupational health and safety legislation designed to protect the health and safety of workers and the public. Herein is a discussion of the role that amusement ride operatorsattendants play in maintaining the highest possible level of safety on the rides on which they work.

Amusement ride operatorsattendants should work safely, get as much training as possible in the safe operation of the equipment they are working with and stay alert to prevent safety hazards.
Amusement ride operatorsattendants should not engage in any unsafe activities such as horse-play, showing off, or any unseemly behavior while on the job.

Every amusement ride operatorattendant is responsible for on-the-job safety. They are responsible for their own safety as well as the safety of other employees and that of the general public.

Here are some basic rules for a safe workplace that amusement ride operatorsattendants should follow:

Be sure that you know and obey all safety rules and procedures

Keep your surroundings neat, clean and free of hazards

Immediately report hazardous situations that might result in an accident

Complete the inspection checklists prior to operating the ride

Develop safe work habits and participate in safety training

In addition, there are a number of workplace hazards for which amusement ride operatorsattendants should be on the look-out and attend to at once:

Anything that can cause someone to trip

Anything that can cause someone to bump their head

Anything that can cause someone to get a splinter

Anything that can cause someone to fall

Anything that can cause someone to get a cut

Amusement ride operatorsattendants must work in accordance with the Health and Safety legislation in affect in their area. They must also follow their employers policies and safety procedures. They should also be sure not to work when they are tired. Breaks should be taken away from the ride in order to enable the amusement ride operatorsattendants to properly relax so that they may return to work refreshed and rested.

It is of the utmost importance that amusement ride operatorsattendants be totally familiar with the rides that they are operating. They should observe how the ride operates, and the motions involved in their operation until they understand them completely.

Every ride has a safety zone, which is the area from which the ride is operated. This safety zone is usually designated by the manufacturer or owner of the ride, and should be clearly defined and fenced off, in such a way as to be easily identified by the riders. The safety zone should also be an area that is easily controlled by the amusement ride operatorsattendants. The safety zone is for the personal safety of the amusement ride operatorsattendants while the ride is in motion, and should never be left while the ride is in motion, or before it has come to a full stop.

The safety of the amusement ride operatorsattendants and that of their riders is equally important. Unsafe riding practices are the major cause of incidents on all types of rides.
Rider responsibility should be encouraged, and the amusement ride operatorsattendants can play an important role in this. Safety instructions should be clearly posted at the entrance to the ride and the amusement ride operatorsattendants should strictly enforce all of them.

It is especially important to reach out to the parents of young children and to enlist their help and support in promoting safe riding practices and in enforcing all safety instructions.

Be alert to unsafe conditions that could cause trips or falls on the ride platform or steps

Be alert to unsafe conditions that could cause injury

Always check that seat belts or safety restraints are fastened and locked in place before the ride starts

Be careful not to close the door or restraint on any part of the riders body while the riders are getting on or off of the ride

If there is even a suspicion that a rider is under the influence of alcohol or drugs, they should not be allowed them

Remind riders to follow the posted rules for the ride regarding age, height andor weight restrictions

Be sure to alert pregnant women and people with heart conditions to possible risks involved in using the ride

Remind riders to keep hands, arms, legs and feet inside the ride at all times

Remind riders to remain seated until the ride comes to a complete stop

If there are any problems with a rider or parent because of ride restrictions or behavior, amusement ride operatorsattendants should not operate the ride. They should stop the ride if in motion and only resume operation after the problem has been settled.
Amusement ride operatorsattendants should always report all safety-related matters to their immediate supervisor, the insurance company and local safety authorities. They should also update the ride manufacturer and consult with them.

Amusement ride operatorsattendants should never leave the ride while it is operating.

Amusement ride operatorsattendants should watch the ride and riders at all times while it is operating.
Remembering and following these rules while operating amusement rides will significantly increase the chances of a safe and enjoyable time for everyone, riders and operatorsattendants alike, while lessening the prospect of stricter insurance terms and licensing requirements for the amusement ride hirersoperators.

In young age you are energetic, full of glamour and perfection, but with time they all fade away. What were all beautiful and filled with colours change into gray. This is all but natures law and you should happily accept this changing phase in your lifetime. As you grow old your body gets easily susceptible to various physical ailments – you need to go regularly to the hospital; do various tests and then undergo treatments and all these cost you a fortune. To make yourself feel safe in old age you should get a senior life insurance.

Senior life insurance pays for almost all the major mishaps in an individuals life. If you are suffering from a chronic disease, senior life insurance will bear your medical expenses. Senior citizens are most susceptible in regard to illness; hence, many government corporations and private companies provide senior life insurances. Life insurance policies even provide money for funerals and other ceremonies after death. So each and every senior citizen should go for a senior life insurance.

Senior life insurance can be obtained for people in the age group of 55-75. You should do a bit of research work before buying your policy to know the authenticity and reputation of that company or discuss with an expert before choosing a senior life insurance.

Some benefits of choosing a right senior life insurance:

1.A fixed premium, which will not increase.

2.You can also avail a no medical life insurance, which is also called as no exam life insurance.

3.You will get death benefits, which will not decrease up to three years.

4.With senior life insurance you will get facility of senior life settlement or life insurance settlement: Senior life settlement is a deal where a senior citizen sells his life insurance policy and in reward gets some cash, which can be utilized for some other purpose.

5.Guaranteed cash value on tax deferred basis.

A senior life insurance benefits also depends upon the insurer. The policy of benefits differs from one company to another. If you are net savvy can get free online life insurance quotes from various web sites and can then go for the best offer.