Posts Tagged ‘glossary’
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Life insurance has a vocabulary of its own. Some insurance terms might sound familiar, but have a different meaning when are used in the world of life insurance.
The following glossary provides definitions of insurance and life insurance for you help to speak the language of life. "
There are two basic types of life insurance, Universal Life and Term Life.
Term Life
This is the simplest form of life and the most popular. It is intended to provide a large amount insurance for a period of time, but for those on a budget. Payments are fixed for the duration of the policy that can last, 5, 10, 20 or 30 years.
Universal Life
Universal life insurance is for the duration of your life and having a cash value. The premium payments are above the cost of insurance and the amount of additional payment is credited account of the cash value plus interest paid.
The amount of interest credit insurer is often linked to a financial index, it is possible to see the gains or losses from the total cash value depending on how the indices perform. The potential benefits of universal life is also a stable investment vehicle.
Beneficiary
The beneficiary of your policy is the person designated by you to receive the benefits of this policy at your death. You may designate that the benefits of your policy be allocated to beneficiaries Multiple. And you may change your beneficiary designations at any time.
Coverage Amount / Face Amount
The initial value of the policy be paid to the insured's beneficiary or beneficiaries when the insured dies while the policy is in force.
This value does not include adjustments for outstanding policy loans, withdrawals, dividends, paid additions or late payment / outstanding premium.
Health & Lifestyle Profile
The premiums that insurance companies free life insurance are also based largely on general health and lifestyle profile of the person to be insured.
Typically, healthy people who do not use any kind of tobacco products or engage in dangerous activities will be able to get coverage cheaper than those in poor health or who use tobacco or who engage hazardous activities.
Different insurance companies use different criteria to determine the health status and lifestyle of the person to be insured.
Date of Birth
The premiums that insurance companies free life insurance are based largely age of the person to be insured. Some companies use the attained age of the insured in this calculation, while other companies use the nearest age of the insured.
Insured
A person who is currently covered by an insurance existing life.
Length coverage
Different insurance policies term life have different durations.
10, 15, 20, and 30 term policy year life insurance are very frequent. A 10-year level term policy will have an initial term of 10 during which premiums are level.
Premium
This is a payment to a life insurance company in exchange for a policy of life insurance. Payment does not generally change on term life for the duration of the policy.
Premium Mode
The frequency at which premiums are paid. Typically, the total annual premium is slightly higher when payments are spread over the course of the year instead of being paid at once.
For example, a policy with an annual premium of $ 200 also may offer a premium semi $ 101 ($ 202 total annual cost), a $ 52 quarterly premium ($ 208 annual cost) and $ 18 monthly premium credit ($ 216 annual cost).
Proposed Insured
A person who applied for coverage under a life insurance policy. (See also: Insured).
Classification subscription
(See: Health & Lifestyle Profile, above).
Gender
Sex (male or female) of the insured or proposed insured.
Guidelines subscription
Underwriting guidelines are the criteria of health and lifestyle for the person to ensure that insurance companies use to determine the appropriate underwriting classification upon which to base premiums for coverage.
These criteria typically include age, sex, smoking, height and weight, build, and family history of heart disease or cancer, cholesterol, blood pressure, the specific health conditions, driving record, occupation or hazardous activities.
In addition, military service, aviation, Travel abroad or residence, citizenship of the United States and felony criminal activity. It is important that these guidelines warrants are taken into account when evaluating any premiums quoted for life insurance coverage.
Home State
The state in which the insured or proposed insured resides. It is not unusual for an insurance company determined to be authorized to conduct business in certain states and not others depending on their license.
If an insurance company is not licensed to do business in a particular state, the company may not offer its products in this state.
If an insurance company is authorized to do business in a particular state, each company's products must be individually approved for sale in this state. It is not unusual for a given insurance company to have products that are approved for sale in one state and not approved for sales in others.
About the Author:
Christina Costa, a freelance insurance writer, recommends Equotegrabber – where you can get free insurance quotes online in seconds! Visit Equotegrabber.com
Article Source: ArticlesBase.com – Life Insurance Guide and Glossary
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The DARE project was the idea of 1950's well-known linguist Frederick Cassidy, who sent field workers across the country to save Regional obscure expressions. In Maine "monkeys" marriages "are chaotic situations. In New Jersey" cockroach killers "are pointed shoes. In North Carolina "squibbles mumble" are noog. The first volume of DARE – "Dictionary of American Regional English, Volume 1: Introduction and AC "- was published in 1975, with additional volumes following. After 50 years of research the final volume "SZ", supplementing 75,000 entries will be published in 2010. Because Cassidy died in 2000, his gravestone reads: "AZ!"
Automakers have a difficult time because of the recession, but sales remain strong for the best in the country's best selling car – Little Tykes Cozy Coupe. The Little Tykes plant in Hudson, Ohio, operates 24 hours a day, turning a molded plastic, yellow and red sub-compact every minute. The biggest design change was made in 2009, when a happy face was added to stop the front of the car. While celebrating its 30th anniversary, the Cozy Coupe was inducted into Crawford Auto-Aviation Museum in Cleveland. Considering the low cost Tyke very reasonable $ 49 and requires no gas or batteries, hopefully Detroit will soon pedal cars that are fuel efficient too.
Air New Zealand has developed a unique way to make sure that all passengers on their Boeing 737 domestic flights to watch the pre-launch, the video security. In the video, the pilot and crew wearing only body paint. Nevertheless, carefully chosen camera angles managed to provide the video with a rating "G". The same attention tactic has been used in the campaign Marketing Air New Zealand for its cheap price. This video includes personal as well as the CEO, wearing only body paint. This must be new, light weight packaging for a combination of knowledge.
Scientists are using satellites to monitor weather coverage cloud and surface temperature rise. Both are indicators of heavy rains, which may be an indicator of disease. In September 2006 Dr. Assaf Anyamba, who tracks the climate data at Goddard Earth Science Center at NASA, has predicted heavy rains in East Africa. Heavy rains cause flooding, causing the outbreak of a specific type of mosquito eggs, which contain Rift Valley Fever. The first case of this fever was occurred in mid-December, giving authorities almost 4 months for mosquito control, public education and vaccination – which has prevented an epidemic. Sometimes even scientists are studying high and low for answers.
About the Author:
Knight Pierce Hirst has written for television, newspapers and greeting cards. Now she writes a 400-word blog three times a week. KNIGHT WATCH, a second look at what makes life interesting, takes only seconds to read at http://knightwatch.typepad.com
Article Source: ArticlesBase.com – Do Good Ideas Keep Getting Better?
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All international aircraft operators, whether drivers or workers control of air traffic control (ATCO), must meet the minimum requirements proficiency in English language specified by the International Civil Aviation Organization (ICAO) which come into force March 5, 2008. The objective ICAO is to raise standards in "communications Aviation English" Overall, as a means of improving the safety of both in the air and ground.
Aeronautical communications in all languages are highly specialized. The term 'Aviation English' embraces a great field broader knowledge of and expertise than most native speakers of English use in their daily lives. In addition, another consideration important is that the aviation environment and 2 significant factors of everyday life in this community: those of the emergency and where non-routine. Aircraft operators learn very precise procedures, definitions and rules and regulations, and all are presented in very formal, precise and unambiguous. Introduce the unknown, those frequent occasions when something does not happen as it should, or how we expect people involved, and we can easily determine where many of the major communication problems ahead.
Pilots and air traffic controllers are trained to deal with the unexpected, and yet, no organization or individual may respond to any eventuality in an environment of precarious work. In these situations, therefore, yet another factor comes into play: the degradation of an individual's performance under stress and under duress. In a very difficult and constantly changing and ever-challenging work environment, which is fraught with danger and unexpected circumstances can change within seconds, causing both crises and panic in those who are directly concerned. At that time, levels of individual performance probe and instinct takes over. Effective communication is paramount and must be instinctive. If we then consider the additional complication of a particular individual, except 2, one in the air and the other on the field, operating in a second language, performance may deteriorate further. Therefore, the importance and necessity of a high level of competence in English in all concerned.
Trainers English therefore face a huge task in facilitating the necessary service to meet the requirements for effective training in aviation worldwide in English. The leadership of ICAO, rightly, is usually English-language comprehension, which should be the basis for any training. However, to meet the minimum standards of communication for safe aircraft operations internationally, trainers must also take into account contextual issues. It is the enormous scope of English in the context of aviation that presents language trainers with a challenge.
Aircraft operators require an enormous range of knowledge, of terminology and phraseology to function effectively in their daily role. In a short English language courses for aircraft operators, therefore, trainers should consider the place where to place the accent. Many trainers focus on R / T phraseology, but if the standard phraseology is an important aspect of communications aviation, it is just one of many. Most aviators are familiar with the standard R / T phraseology, they use every day. Trainers languages must therefore focus on the many aspects of non-standard and non-routine phraseology which could be used in emergencies and potentially create difficulties for non-native speakers, namely the aspects of English are not necessarily in the textbooks of aviation.
Often, language training is a requirement more often driven by budgetary constraints, operational constraints and logistics from a client, which has not always satisfactory as aviation English training takes time. The trainers are often required to form groups sponsored trainees, a scenario that works well only when the specialties of individual trainees, their respective training needs and levels of English language of each are similar. It must be stressed that the needs of pilots and air traffic controllers are very different: while the script runs the group sponsored generally well with the drivers of similar notation in the case of ATCO training must take account of 3 very different professional specializations, each has its own requirements: Aerodrome Control, Approach Control radar and the control zone.
Problems arise when these opportunities where either a sponsor chooses to, or training provider attempts of "one-size-fits-all" scenario, an option that is too often considered most convenient from the sponsor, for operational reasons, or the most economical from the training provider in terms of facilitation. The result is too often inadequate, with trainees single or a small group of trainees, being placed on courses where the group as a whole is quite incompatible – by far the least effective way to achieve a satisfactory outcome in all respects.
Provided there is compromise, understanding and agreement between the client and training provider, however, the authors group scenarios can give good results, as all parties concerned to ensure each group selected for training includes trainees from the specialization of aviation Similarly, individuals of similar experience with English and personal skills comparable language skills. The real key to success, however, is that before the course begins, training objectives and learning outcomes are clearly defined and, more importantly, they agreed in advance between the client and provider training. In this package, professional trainees can then negotiate their own learning program and to be precise and specific results learning effectively and efficiently.
About the Author:
Ian Gault is the Executive Director of BBSI one of the most highly-accredited English language schools in the UK, specializing in
aviation English training
.
Article Source: ArticlesBase.com – Aviation English Language Training – A Perspective
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