Life Insurance

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Few people are keen to secure the worldly and Akrthm .. Best insurance companies
Many people are keen to secure the lives and property at the best insurance against accidents, thefts, other pay for the huge amounts of money and so few people are keen to secure the worldly and Akrthm and Ichaelvhm dinars and one that is light on the tongue and the words of a great balance, Jananne Mwnsp for long if the Muslim day and night for him and Omenth from the evils of the world, and villains, mutant
To you my brothers and Joati the great elements of this document

First Insurance triangular

I insurance

"The Messenger of Allah and peace be upon him" blessings of the morning, it is in the custody of God. " Narrated by> Muslim "

Insurance II

"The Messenger of Allah and peace be upon him," read a verse from the Holy masterminded every prayer written> did not stop him from entering Paradise except to die "

Insurance III

Mr. prayer for forgiveness: "The Messenger of Allah and peace be upon him," says the Lord God, You are the King Alnt and I am your servant and I am your custom Uadk Maasttat and forbid the evil of your Msnat and you Benamtk Abu Ali and Abu Bznbe Vagvrli you, it does not forgive sin Alnt "He said:" It is

Our words of the day by day and died from it before it dies from the people of Paradise is spoken of the night is sure to become before it is of the people of Paradise "(Narrated by al-Bukhaari (

Of the material on this every day, three leading human Mtdbera true God and Mojtnba Masih was within the God that is discharged and safe, and send him to paradise and those who in the era of God has won and safe-keeping of God and helped in the world and won Bjnth and satisfaction in the afterlife

II: comprehensive insurance

Here is my brother / that prayer which is as comprehensive insurance for you against the dangers of life and defeat the Iwmenk and against sudden calamities to shock and disrupt human life

"The Messenger of Allah and peace be upon him," Who said that the name of God, which does not harm anything with his name in the earth or in heaven, He is the Hearer, the Knower of three times, not even the scourge of Tfjoh Vajip night and it dies a dignified, while not Tfjoh Vajip to become the scourge of God "

III: insurance against the devil

Between us, the messenger of Allah and peace be upon him that the devil is in the blood stream, the son of Adam has been sewing and evil machinations Here is an insurance Mkaih the devil and evil of this modern comprehensive anti

"The Messenger of Allah and peace be upon him," Who said that if it gets out of his home the name of God, trust in God, and suffering and turn Aballah, said to him: and Ahdit spared and Oukit

And stepped down by the devil

IV: insurance against everything

"The Messenger of Allah and peace Aliha:" Say Allah is one Almaoztin while and when it becomes three times dismantling of everything "

These few words the wall, the great impact and meaning in the dismantling of the eye, witchcraft and the Elves care in the day and night so that the conservation and care of God. May Allah accept Taatkm.

Oh God, you know that the hearts had met, and met with Your love and united to Taatk for your invitation. And their association Vothag God created Adam and Ahdha ways and explain the surfeit of issued stock, and your faith to you and depending Ohiha Bmaraftk nation and to testify in Sbelk. You may be yes and yes advocate.

Life insurance (individual)

Common to all types of insurance in the profits with the exception of temporary insurance.


The minimum amount of insurance (1000) pounds for all types of insurance, except:

1 - temporary insurance (5000) LE
2 - bilateral document (2000) pounds.
3 - The document Quartet (4000) pounds.



Insurance without a medical examination until (50000) Egyptian pounds (the amount of risk) and not more than 40 years of age with the terms of the postponement for two years.


Require the disclosure of medical insurance for life and provisional.


Must obtain a token with the request for insurance - not less than a quarter of the annual premium for the amount of insurance, the right to be acquired at the end of the company called the insurance to take the actions or non-receipt of the document.


To calculate the annual premium: first determine the age at the commencement of the insurance, taking into account the age reparation to fracture if the full year, six months or more fractures and excluded if less than that.

First:
ý life insurance (with participation in profits) mixed in the end the age of five and eighty
Committed to the company under this insurance, regardless of the amount insured in one of the following circumstance:



In the case of the death of the insured.


In the case of the survival of the insured is alive at Bluap the age of eighty.

And that in return for an annual premium is paid as soon as the death of the insured or Bluap the age of five and eighty.
This document is involved in the actual profits earned in the section of Life Insurance to be distributed to policyholders 85% of the profits each year in the form of elevation of the amounts owed by insurance - as with the disposal of profits Amuallap insurance death benefit amounts, and did not deserve the profits in the event of liquidation or reduction.
Example: Thirty-year-old person wants to believe the amount of his life (1000) pounds - it's ability to pay annual installments of $ "14,172" pounds until his death, and even more Bluap the age of eighty-fifth
And paid the company Almstnfdin after the death of the insured directly to the amount of the "1000" pounds - in addition to profits Amuallap if death occurred before the age of eighty-fifth, and paid the amount of insurance in addition to profits Amuallap to the insured person if he was alive when they reach that age.
Note: This type of insurance can be obtained at the largest amount in exchange for lower insurance premiums as possible, which is suitable for people who wish to leave the largest possible amount of cash to heirs after them, at low costs.

"Delta" to divide the activity of life insurance company separate

Learned "money" that the Board of Directors of Delta Insurance Company has agreed in its meeting held on the establishment of an independent company for the capital of life insurance will be not less than 60 million pounds to comply with legislative amendments that have committed all the companies to separate the activity of life insurance for property insurance.

He said one of the members of the Board of Directors of the Delta to ensure that the decision to establish the new company came in response to a letter sent by the Egyptian Authority for the Supervision of Insurance, which called for the officials of the company to identify their position on the separation of my life and property.

It is known that the activity of insurance is divided into two sections: the life insurance and related documents in this section of individuals, which covers the risk of death, disability and general insurance branch and includes all the documents that provide compensation for any loss of property clients.

He told the source of "money" that there are some other reasons that prompted the board of directors of Delta to agree to the establishment of an independent firm of life insurance, including the difficulty of applying the proposal to merge the companies was the governor of Al-Hayat, the Suez Canal and the Delta and the establishment of an independent entity in addition to the company's initiative to secure the Suez Canal, the declaration independent company founded on the life insurance capital of up to 60 million pounds.

The source added that the meeting of the Governing Council yesterday failed to address the process of financing the capital, but only to the approval of the establishment of the new company, pointing out that the budget presentation of the company in the period from July 1, 2008 until December 31 of the same year and sent for ratification by each of the Egyptian Insurance Supervisory and the Capital Market Authority.

Life insurance .. The latest fashion among artists in Egypt

Life insurance has become a new fashion among artists since the signing of Elham Shahin for her life insurance policy the amount of twenty million pounds, due after twenty years, the phenomenon has spread among the many artists and singers.

Madeleine has linked the signing of an insurance policy on her life ten million pounds, with one of the global insurance companies, and deserve, after twelve years, and paid thirty thousand pounds a month .. Amer Monib singer revealed an Egyptian insurance company for the amount of a secured life in return for five million pounds.

Mentioned that the upper has been charged following a quarter of a million pounds, the price of an insurance policy paid 18-year-old deserves after 20 years and obtained a few years ago and had to repeat the experience, but not revealing the amount and number of years.

Tremendous opportunities to buy in the area of life insurance settlements, and assets are sold at a faltering faltering assets

"Life Solutions International," is hosting a free online discussion focused on opportunities for troubled assets associated with the insurance field

San Diego, United States of America, February 2, 2009 (Business Wire): the market has become associated with the assets of insurance buyers market where conditions are generally considered very favorable to those who now buy life insurance settlements, or engaged in the latter arena. This opportunity has resulted in part from the turmoil in global financial markets, but it does not expect these conditions to last forever.
While this market provides opportunities for investors, many of the buyers are perplexed about how to initiate the process of procurement and source selection, which would provide them with reliable information to allow evaluation of the category of those assets.
The "Solutions for Life International", a pioneer in helping buyers of assets related to insurance, the day of the fourth Wednesday of the month of February, in conjunction with the company's "Life Settlement Solutions" - a pilot with adjustments in the list of life insurance in the United States - to host lecture The panel discussion is the first online (and Ipinar) among a set of awareness, which stretches for over a month - TM ILIAM) (- and which will be the title of "investment opportunities in the troubled insurance-related assets."
Says Larry Simon, President and Chief Executive Officer of the "Life Settlement Solutions": "We have seen the number of buyers who wish to exploit the opportunities associated with the purchase of assets insured by the unprecedented growth dramatically. We note the rise to the level of demand by investors from different sectors, and we need to know more adjustments to life insurance, to finance the premiums as well as related products. We hope that this type of lecture and Ipinar centered on the troubled assets - such as the awareness of all the events of the first of its kind on investments relating to insurance ILIAM-in bridging the gap of awareness and allow before more investors to enter this growing market. "
It will include a lecture and Ipinar a panel of experts in the sector, such as Steve Bodger, Chairman of the company, "Bodger and Co." (Boger & Assoc., LLC), a consulting company in the insurance field, and Daniel Basag, a partner in the "Ooumilffine and Myers" (O''Melveny & Myers,) in Los Angeles in addition to Larry Simon. And will provide all members of the Board a unique perspective on the important aspects of understanding of insurance-related assets as part of the presentations of each of them.
The Commission will meet for the first time on the Internet at ten o'clock in the morning according to the timing of the United States - the Pacific, and remember that participation is free of charge. The opportunities for participation is open to institutions operating in various sectors, including hedge funds, private equity funds and pensions, in addition to insurance and reinsurance companies, and family offices.

The other events that are part of a series of two parts ILIAM focus on industry trends and investment associated with the field of insurance. Will be the first part of the series on the tenth of February and the second in the seventeenth of February as being a debate centered on the financing of premiums in the twelfth month of February. Planning is under way for more events to be held later in the month, which will be announced as they become available.

In light of the expectations of the future that is not optimal from the present Life insurance industry, the British re-read the fact

In the early sixties last century, was sent a staff member in the "Brodinchal" working in the headquarters of the company, which had a time in London, Louis Rolf as part of the training program, to conduct surveys about the quality of life experienced by the agents, from section to section, the insurance company Medlanz in the East.

Rolf spent a week traveling in the streets with the so-called "men of the Pro" (a reference to the name of the company) Men from the pru, and they receive premiums in Sheffield, at that time Britain was still a dominant industry, and for the families of the working class crowds was synonymous with sales of men to provide for expenses such as funeral service.

Rolf remember: This is why it must be a friend of the family of the agent, if customers need any advice outside the areas in which they operate, this is the side which provide assistance.

If they need a lawyer, for example, in the light of his contacts within the business sector, may be able to submit a proposal in this regard, the issue was almost like a roving office advised citizens.

But with the transformation of Britain's economy to a service, I discovered life insurance companies, such as "Brodinchal" it will not be able to continue relying on these relationships, such as warm and comfortable.

Currently facing a harsh new world, where the stained reputation, and the traditional role of the challenge facing the competitors a more active and less movement.

The model of work, which since the demise of the role of direct sales groups, depends to a large extent on the payment of money to pay brokers for the sale of Boualsa, is exposed to an attack by the oversight bodies and management.

It is expected to provide the Financial Services Authority FSA's proposals this week could push the industry away from this practice.

The mafia life insurance companies means a great deal for the British stock market to the extent the same shareholders and decision makers.

In the presence of one trillion and 200 billion pounds under management, it controls nearly a fifth of the shares traded on the London Stock Exchange.

With the colorful history and access to a mature domestic market, even if still in the process of growth, the life insurance companies of British, it must be the dominant industry.

But for the past 20 years, the nations of continental Europe is produced by the "heroes of securing" the nationalists such as Axa of France, Allianz of Germany, and "Dzali" Italian.

"Aviva" the largest British insurance company by market value, is the sixth-largest insurance company in Europe, not even among the top ten insurance companies in the world.

And Henry de Castrier says Chief Executive Officer of AXA without equivocation, that the life insurance companies, "shot on their feet" through mismanagement and the wrong selling, providing an opportunity for competitors from overseas for the robbery of their clients.

The roots of the crisis life insurance companies, to the demise of the so-called with-profit policies. For decades, the products of these complex and vague, they represent the true backbone of the life insurance sector in Britain, which promotes the return on investment for the bondholders, through the set aside a portion of the proceeds in support of good policies, when performance is weak.

In times of high inflation and the massive capital markets, with the funds they were invested in equities, made profits rewarding, but with the decline in inflation and the three consecutive years from the collapse of stock markets between 2000 and 2003, the proceeds of the policy less, also fell, with the sales policies of profit decline considerably.

Also, the confidence in the life insurance industry shaken, as a result of a series of scandals Sale wrong, and the crisis of the "Ekthbl Live" in 2000, which led to the loss of more than one million policy-holders the value of billions of pounds sterling, when it reached the cooperative insurance companies to the brink of collapse.

In response, it has stepped up oversight bodies to supervise the actions of industry. According to de Castrier: the vicious circle of selling scandals that have followed the wrong procedure in excess of the necessary oversight, led to the development of which the margins are in the United Kingdom, structurally lower than the rest of the world.

But with the fight against life insurance companies to save its reputation and cope with the reactions of the oversight bodies, there were other changes to arise, as the developments that have taken place in the markets of the United Kingdom and Australia, has managed systems at the present time savers to invest in the long term, to provide for retirement without recourse to the insurance departments of life.

And through these systems, known as "platforms" that can put individuals or their money in the thousands of investment funds in ways that ensure the efficiency of taxation. This represents a challenge to the traditional role of insurance companies on life, which revolves around an automated packaging elements in the form of long-term savings or retirement product.

When it comes to the provision of investment funds through these systems, there is little to distinguish between life insurance companies and other managers to Moain savings.

The Kazlet Nair, analyst with independent life insurance: If the life insurance companies think they are entitled to because of this historical work, it is wrong.

There is one option, which is to manage life insurance companies for the platform, and is at the forefront of this system, "Standard Dlaev" the former cooperative insurance company, says Trevor Matthews, head of retail at the British "Standard Life" I believe that this platform is the solution.

And others may adhere to the area and one which is constantly doing good for the life insurance companies, which is death (death).

Of course, its called the life insurance because the neighborhood is no doubt continue to die. And insurance companies still have the competitive advantage when it comes to managing the likelihood of death of people, known Balphenaiip.

This means that it is in a good position to make policies that pay money, in the case of the death of an individual to a specific time period.

And still other financial services institutions like insurance companies to catch up, when it comes to the management of seniority - the risk that people live longer.

This is an issue in the provision of mandatory annual installments - is committed to contracts pay holders of the policy, the income until his death. With the increase in life expectancy, this experience will be invaluable in full.

The other option is to waive the United Kingdom in full, and to focus on life insurance markets and overseas, which has some of the fastest growth rates and tax systems and environments and a stable legal order.

Faces "Brodnchal" pressure from some investors to sell or re-integration of the British arm of life insurance and, therefore, lawmakers left the door for the separation of the future.

One of the ways in which life insurance companies in the United Kingdom for the competition, is to provide pre-paid huge kickbacks to brokers in exchange for marketing their products.

However, this practice of the place of the attack by the oversight bodies, on the grounds that they lead to the erosion of vessel capital of insurance companies, and can be detrimental to customers.

FSA tests are on the way in which the distribution of retail investments, including long-term savings and pensions.

Proposal could result in the industry away from commissions paid in advance, will lead to more impulse.

But while that might be the "man of the Pro" MAN FROM THE PRU and his family in a steady decline, the life insurance companies, the British - either through the size or because of autism - are not likely to disappear any time soon.

Neil believes Bndov, a partner with LEK Consulting, who derive income life insurance companies in the past, the British, I mean that it is facing a "progressive ever."

According to the analyst Roman Syazdin "Aurel Skyotiz," he remembers talking with the investor in approximately 1980. Was very enthusiastic, because the stock broker, an expert told him that the insurance market life insurance in the United Kingdom, will become the market such as the United States, which led all of the cooperative insurance funds, and life insurance industry to extinction.

This was at the beginning of eighties, there was no such thing so far.

What is the ruling on the insurance, whether life or property?

Life insurance and property can not be forbidden, because it involves gharar, usury, had been deprived of God - the Almighty - All transactions and usury transactions where Gharar the mercy of the nation and to protect them than it would harm her, he said Allah - Almighty -: (Allah has made lawful, and denied the sale and usury). Access to the Messenger of Allah, may Allah bless him and grant him salvation, it forbade the sale of gharar, and reconcile with God.

Answered by Allama Ibn Baaz, the Almighty God's mercy

Who is required to borrow (life insurance)

I work in a company without giving housing loan at usurious interest, but require that the employee life insurance in order to take the company right from the insurance company in the event of the death of the employee prior to the payment of the loan.
Is this loan halaal or haraam? May Allah Ovetona good.

Praise be to God

Take the good loans that are not legitimate and their Lord: permissible, but may not be linked to conditions that are illegal, and what is stated in the question, which is disturbing to say the passport requirement is the company to ensure that the borrower for his life, and there is no doubt that the insurance life - indeed, all kinds of insurance - which is forbidden contract facilitator.

Sheikh Abdul Aziz bin Baz - may Allah have mercy on him: --

Life insurance and property: can not be legally forbidden; for the Gharar of usury and, deprived of God mean that all transactions and transactions in which Gharar the mercy of the nation and to protect them than it would harm her, he said, the Almighty God: (God and the lawful sale and the campus of usury), for access The Messenger of Allah may Allah bless him and forbade the sale of gharar, and reconcile with God.

"Islamic fatwas" (3-5).

Thus: it may participate in the program of housing loans, which require the company to ensure that the beneficiary on his life.

(And fear of God makes a way out. And for him to get out of where it is looking to God, it is calculated that God has made him very Allah much everything) Divorce / 2, 3, (and fear of God makes it easier to order) Divorce / 4, and "left nothing to God's good offset it."

And Allaah knows best.

"Gulf" first-called services, life insurance law,

Dar Gulf, UAE

First Gulf Bank announced the launch of a wide range of products and services, life insurance and savings schemes. In this regard, Mfazl Kgiji, head of the private wealth of the First Gulf Bank: "We strive to provide our customers by consistent with the actual needs. Through this new initiative, we offer our customers the opportunity to achieve financial stability in critical situations, and protect the future of the financial burden. "

These products include life insurance programs to ensure that the financial protection, particularly in the event of illness, disability and loss of employment. Kgiji added: "our products and services reflect the new confidence and credibility that customers usually obtained from First Gulf Bank, said that our name is synonymous with banking solutions with the highest international quality. We have designed this solution is designed to keep pace with the needs of the growing insurance market in the United Arab Emirates. "

Provision of health insurance

Is it permissible to believe the person is on his health by paying an annual subscription to a health insurance company is in turn cover the expenses of treatment as needed for health, to treatment, the treatment expenses may amount to more than the amount of the contribution paid by the person on a yearly basis?

Answer

Commercial life insurance or other goods or different than the views of contemporary scholars, have tended to the opinion of the Committee on the likelihood that the permissibility of insurance of all kinds, other than life insurance, where the Commission did not consider legalizing it, and stipulated for the legalization of non-life insurance to be within the limits of compensation actual damage, and not for good grapes, and, since the company was responsible for treatment includes insurance and life insurance, the Committee is of the opinion dealing with the legalization of the company in matters of their own without treatment and death, whether ordinary or accident.
And Allaah knows best.

Dinner life insurance

In many non-Islamic countries are keen for their large number of insurance on their lives in the Sudan, but we do not do so on the conviction that the living God and God as flat Hnka Diao and vision insurance, life, where nothing condemning the view of many of the public, but the inviolability of the call to us by the insurance company Shaikan a few days ago and that most of Baja editors and leaders of journalism, and drafters of the page size of the economic dialogue was important about the experience initiated by Shaikan company said its Director General Professor Ibrahim Othman Hadi they invoked the legitimacy of the opinions Jost life insurance and was a professor editor-in-chief Mahjoub Erwa Sudanese had been made his remarks on the formation of an advisory committee says it has been fixed and there is no non-members of our country ... Important that the life insurance Shaikan project launched during the call telling us a lot longer in the back after a meeting of editors of newspapers were found to have left the printing presses and the breeze of dawn «Hbhbn» company wants to be present among the people, the project benefits and proceeds to set out many of the participants, said its director, but that such this work and need to talk about the biggest media effort and the participation of scientists to speak and demonstrate to the wider benefits both to the subject and how to subscribe to the service ... and thanks to Shaikan they have chosen to start such a meeting, leaders of journalism and should not fail as long as the benefits of the project, such as those mentioned Pacific must be the use of different templates for the delivery of the idea and persuade the people of legitimacy through the opinions of scientists ... and an invitation to the wall in the administration's insistence Shaikan competent journalists to attend the meeting of the degree to which we are accepted by the large number of contacts imagine all communication is one of the phones, making the audience Shaikan great enrichment this urgency, and we take on the meeting, which was written on a background of a deliberative forum that turned into a news conference stressed on the podium to ask any question and the means to make one of the editors except Erwa intervention and were reluctant to just listen, hoping to exceed Shaikan such meetings in the next calls Qamat large Tvakr, not until there is no question they hear themselves talk or in the inventory of one question only
Finally,
Othman Hadi I liked the arrangement of ideas and enthusiasm to the project, which needs considerable work to become the size of the company's desire Shaikan Thank you for the invitation to the best advantage of the Pacific in terms of covering us in various areas of work and many achievements we knew we did not know in the areas of medical insurance, agricultural and other

Life insurance

Introduction:


When the need to protect valuable property, the facilities to secure the services that make life easier and more accessible, most people believe that they have adequate insurance on the valuable property, but there are very few homes properly insured against fire, theft and damage caused by storms and simply, in the Sometimes, while going through the years, people forget that the level of insurance Guetahm no longer keep pace with changing conditions or the rate of inflation, however, the vast quantity of available insurance programs, it is difficult to know what is most appropriate for them, including determining the level of insurance coverage that meets their needs as we can here to make life easier and more accessible facilities for all customers of Bahrain, we offer you advice and provide clear and useful to you time and gives you the facts you need and whether you want to arrange insurance for the first time, or add more features to your insurance policy or reviewing your current insurance in full, you can get all the advice you need free of charge and without any commitment from your side, in the facilities of the Counseling Center of insurance, which is located in the headquarters of the facilities of Bahrain Isa Town. This report on the various types of insurance for your home and property in addition to a brief presentation of other types of insurance.

Width:


* Life insurance:
That a life insurance provides protection for your family from suffering any financial hardship in addition to psychological suffering in the event of any harm to you, as the document provided to pay the remainder of the loan and document life insurance is a prerequisite in the case of mortgage loans and other secured loans, which constitute a significant financial commitments , where the lender is eager to take care of the interests of his client Kmutirh all clients auto loans and personal loan facilities in Bahrain for the cover of free life insurance for the duration of the loan.




(1) * home insurance:
The aim of the insurance on homes is to provide protection for the installation of the structure of your home against various types of disasters - from the explosion or storm water pipes to fire or collision resulting from one of the vehicles and if you have a real estate loan on your home, you will require adequate insurance coverage.

* Home contents insurance:
That the contents insurance policy provides protection for the household personal property against damage that may cause emergency or fire, theft, always remember that you need to make Guetaik insurance in line with your increasing over the years - the new imaging machine or a piece of precious jewelry, or even furniture can be means all you need to cover only the additional perception of the extent of the damage that can be inflicted on your child or a pet Bothazq new
And inflation can affect the cost of replacement as well, so you should re-evaluate the Guetaik insurance at least every three years, there are two types of insurance manipulated thief is usually at the state Saik for insurance coverage on household effects are compensation cover and replace the cover.

* Fire insurance:
It is essential that the insurance be fully equipped to meet the optimal Baanjatkm although one of the most popular types of insurance protection and widespread is the fire insurance in the following summary of cover:
(1) fire and lightning and an explosion of gas cylinders or boilers.
(2) theft.
(3), wind storms, floods, leakage or overflow of water tanks or water pipes, the collision with the property on the highway and the damage caused by cars or horses or cattle or aircraft
Riots and public disturbances and acts of vandalism (with an additional premium).




(2) * Compensation cover:
This type of insurance does not give you a new instead of the old compensation for your property, but the insurance company repair or replacement of parts damaged or stolen Moreover, the insurance company takes into account the amount of consumption when the insured is compensated in this case, you'll find a large difference between the amount of compensation and the current price for the purchase of an alternative.

* Cover the replacement:
This type of insurance, as its name suggests, gives you a new instead of old and this means that you will receive the full value of the repair, or the current market value for the purchase of stolen or thing, which was completely destroyed and the insurance cover is obtained by clients of the facilities.

* Auto insurance:
By law, all motor vehicles traveling on public roads must be secured by appropriate insurance must also be a certificate of insurance with you always and at all times to provide proof of insurance coverage necessary to ensure the work is not advised to less than the required value, as the insurance companies had refused to settle this type of claims. If, however, obtained a loan to buy a car, you will be required to document and comprehensive insurance, a kind of security to the lender, which is a joint owner with you throughout the duration of the loan.

There are three different types of insurance covers:

* The third party only:
This is the minimum insurance cover is essential and this includes liability cover for all licensed drivers Balsyakp, towards the other person or other persons (and they know the third party) in the event of an accident resulting in a third-party injury or death in addition to the damage to his vehicle and his property does not include cover injuries suffered by the insured person himself, and does not include damage to the private car.



(3) * Third party insurance cover against fire and theft:
This cover extends the basic insurance coverage to include the above-mentioned damage to Bseartk as a result of fire, lightning or explosion, theft or attempted theft, there is usually one of the mandatory restrictions, which means that it requires you pay the first part of any claim.

* Comprehensive Insurance:
This provides cover for more insurance coverage to cover damage to the emergency Bseartk usually involves the theft of personal property from your car, and there may be other benefits such as insurance coverage for medical expenses, insurance coverage for personal accidents to your wife and the availability of some of the more insurance coverage against damage to emergency situations such as young drivers and those with little experience. And this is usually the preferred option for new car insurance, where the expensive replacement of the vehicle in some cases, you can pledge to pay a higher amount for the first part of any claim (a so-called "voluntary as well") which would reduce the reimbursement of the premium.



* Conclusion:


Insurance is essential to its existence must be to ensure that every human being on the property, including his personal life, which includes several aspects, including insurance on the house and its contents from the fire because it is the most important means to preserve life, as well as insurance on the car because they are considered at the present time the means to reach the end .
In conclusion, one must take advantage of the insurance services provided by a country that desperately need to preserve the life of any damage that might be facing.

Iraq: the provision of life insurance and protection of the university professors

The Iraqi Ministry of Finance to provide life insurance to university professors after the increasing number of them leaving the country due to the ongoing violence. This initiative also includes the provision of personal security guards of the university teachers.

On this issue, explained Marwan Imad, Information Officer, Ministry of Finance that "the targeting of teachers on a daily basis, which is pushing them to flee the country, creating a major gap in the educational system. Therefore, the ministry decided to provide them with a system of life insurance and the security guards of their own choosing."

The backbone of that system "would give the teacher a special budget for the hiring of security guards from private companies who will protect them. In the event of any harm they would get their families to sufficient funds to meet the needs."

According to the official, this initiative aims to protect teachers and university educators to convince those who left Iraq in fear for their lives to return to the country and to continue teaching at universities.

The Ministry of Higher Education has expressed its deep concern at the result of leaving the most qualified professors in the country.

The targeting of teachers''who are daily pushing them to flee the country, creating a major gap in the educational system. Therefore, the ministry decided to provide them with a system of life insurance and the security guards of their own choosing''
As explained Ahmed, Abdul Bari, a senior official of the Ministry of Education, that "in addition to the growing sectarian violence, the majority of professors have left the country. We rely only on the few remaining, including the new graduates, so we face a critical situation now is getting worse when Lectures begin in the month of September. "

According to the Ministry of Education that the insurance company of the Government will give teachers "to ensure a comprehensive," but it did not specify the amount of the award decision. A statement issued by the Ministry of Finance last week that "The purpose of this policy is to contribute to avert the threat of military operations and ease the impact on Iraqi families," . Although it is difficult to obtain accurate figures in this regard, it could be argued as Abdelbari that more than 240 university professors have been killed since the start of the US-led forces in Iraq to the U.S. in 2003 and left the country, thousands of them abroad.

The violence in the country have been exacerbated to the extent that the government allowed for the month of May 2005 for the doctors to carry arms to defend themselves.

Said Dr. Rafed Mohammed, a professor in the Faculty of Medicine at the University of Baghdad: "The life insurance is good for us that in the event of any harm, our families are protected. This noble initiative and I believe it will contribute to the return of qualified nationals to the country."

Forum Arabic in Damascus to discuss the insurance implications of the global crisis

Damascus: Events that began on Sunday, the fourth forum organized by the insurance of the Syrian insurance companies in collaboration with the Arab public to ensure the participation of 500 of the personal and domestic insurance companies and the Arab world.

The Forum will discuss the two effects of the crisis and its implications for the global insurance and reinsurance sector and the current reality of the global insurance market and the role of Arab and regulatory bodies in the light of the crisis.

The participating delegations as contained in the Qatar News Agency "Qena" official figures, executives and heads of the Governing Council of the insurance companies, reinsurance intermediaries and insurance agents from Qatar, Britain, Switzerland, France, Russia, Germany, Tunisia, Bahrain and the UAE, Saudi Arabia, Egypt, Jordan, Lebanon, Kuwait, Oman, Iraq, Libya, Sudan and Yemen in addition to Syria.

The lifting of mandatory insurance premiums

Insurance Authority submitted a new proposal to link premiums to the mandatory vehicle traffic accidents, so as to reduce insurance premiums by between 5% -15% in the absence of the commission of any vehicle accidents or serious irregularities.
This, coupled with the proposed lifting of the compulsory insurance premiums have gone up by 35% -200%, in the case of traffic accidents leading to physical and material damage, as the premium by 35% when there are minor material damage, and 75% in the medium-material damage, and to 125% in serious physical damage.
As premiums rise at the same proportions causing bodily harm (simple, medium, heavy) in the event of death rate to rise 200%.
According to the proposed project instructions will be issued the new mandatory insurance will be reduced in the proportion of 5% of the amount of the premium, in the absence of a vehicle belonging to the insurer of any accident or committed any serious traffic offense during the year preceding the date of the insurance premium will be reduced by insurance.
Will also be reducing the rate of 10% of the amount of the premium, in the absence of a vehicle belonging to the insurer of any accident or committed any serious traffic offense during the two years preceding the date of the insurance premium will be reduced by insurance.
Will be reducing the rate of 15% of the amount of the premium, in the absence of a vehicle belonging to the insurer of any accident or committed any serious traffic offense during the three years preceding the date of the insurance premium will be reduced by insurance
The proposal in the event of damage in more than one incident to the adoption of the highest percentage of the most serious damage to the goals and added to the premium paid by him Almmermn for the year preceding the date of the insurance, and may not be the collection of such rates in case of multiple damage in the incident one. In the event that caused the vehicle to more than one incident during the year, bringing the amount of compensation paid by the insurance company for the purpose of determining the rate of increase on the insurance premium, may not exceed the percentage increase in all cases of 200%. And adopts the date of payment of compensation by the insurance company for the purpose of calculating the rate of increase on the premium of insurance for the year following the date of payment of compensation, regardless of the date of the accident.
And exempt vehicles that have been increased by the premium increase because of the accident, the insurance premium if the vehicle did not cause this accident insurance during the year were met, the second increase in the early stages and to satisfy the insurance of the third installment in the original, without an increase or reduction.
In the event of disagreement, which the insurance company has paid the amount of compensation from the insurance company that meets the insurance premium increase for the year following the insurance, is met by the insurance company to increase the insurance premium to increase the amount of the transfer of the insurance company has paid the amount of compensation and in accordance with the mechanism to be agreed upon by insurance companies.
In the case of multiple insurance companies that deserve the increase in premium because of the delay in the payment of compensation for any reason, the increase in the premium is divided between insurance companies by the amount of compensation paid by each company to the total amount of compensation paid by all these companies.
Begin the registration of hazardous incidents and irregularities on the vehicle for the purpose of the application of the increase and reduction of insurance premium from the date of entry into force of instructions that will be the subject may not calculate the increase retroactive for the year preceding the effective date of these instructions.
Section proposed awards to be paid by insurance companies according to the material and physical damage caused by accident, in the event of physical damage was minor pay 250-500 dinars, and in material damage to the medium of DINARD 501-3000, extensive material damage, and over 3001 dinars, and in minor physical damage if the company paid 250? 500 dinars, and in the physical damage to the medium 501-3000 DINARD serious physical damage and 3001 dinars and more deaths in the event of the company paid 12 thousand dinars.

Obama starts to reform the health insurance system

U.S. President Barack Obama consultations to achieve one of the main promises during his election campaign, which is to reform the health insurance system in the United States.

And more than 120 experts in the health services sector, including lawyers, doctors and experts in insurance, in an expanded meeting in the presence of Obama White House to discuss the best ways to develop this sector.

An estimated 50 million Americans lack health insurance and provide them with treatment at a low price, even though the United States spends about 2.5 trillion dollars annually on health care.

Obama said in front of the participants in the meeting that all the topics open for discussion, and all the alternatives available.

Obama said there is no question that all Americans should have a decent medical care and affordable, but the debate over how to achieve this.

Obama said that investment in medical services is no longer just a moral responsibility, but also an economic necessity to create more jobs.
The failure of earlier

The previous efforts to reform the medical insurance system in the United States, failed because of the huge cost of providing such service to tens of millions of Americans who lack it.

And tried to former U.S. President Bill Clinton's introduction of a new medical insurance system, but strong objections from the pharmaceutical companies that eventually led to the lack of application.

But Obama said that "the situation is different this time .. the call for reform are coming from all sectors: from doctors and patients, and trade unions, companies, hospitals and health insurance companies."

A poll conducted by "Harris" about the U.S. 80% of Americans believe that the system of medical services in the country need to change the destruction.

Obama and pledged to allocate an amount of 634 billion dollars to pay for better health care system during the next ten years.

Insurance in the opening symposium of engineering .. Motawakil: engineering insurance uncommon in Yemen, Tarek: Symposium is not just for marketing

Egyptian Minister of Industry and Commerce (Yahya Mutawakil) each to support the government initiatives to develop the economy of Yemen and the introduction of modern methods to help the regional economy and its integration with the world. Mutawakil, and in his speech before a crowd of businessmen and foreign ambassadors in the co-insurance engineering symposium, organized by the company over the two days of collaboration with the insurance company (Arig) Bahraini insurance, pointed to the government's efforts in cooperation with insurance companies to improve the insurance sector, and to exercise a greater role in support the national economy and to commit stakeholders (governmental and private) Nien threw the implementation of all relevant, and to encourage local insurance companies in return for it to improve their performance and provide excellent services, despite the difficulties faced by him.
Motawakil and considered the establishment of the United Company (Insurance Engineering) initiative that could open the horizons for the development work of the insurance, and contribute to economic activities in general and especially the service sectors, and expressed hope for further cooperation between all the insurance sector to give more care and attention, pointing at the same time that the size of the insurance market in Yemen is still limited and did not meet the ambitious goal, insurance and engineering is one of the unfamiliar species in Yemen.
He urged the Minister of Industry and Trade insurance companies to expand as it addresses the provision of safe Biip engineering projects for the protection of the risk, calling on the Ministry of Works to carry out a greater role in the insurance sector through the adoption process engineering insurance to insurance companies, local saying that, according to the benefit of the parties involved and prevent the carrying Project financial burdens and bear the consequences of physical damage to the government and contractors result of such errors.
Mutawakil warned the insurance sector remained unchanged, if adopted, a new perspective based on strengthening the capacity of insurance companies in the creation of elements and reasons for assistance in the process of growth and increasing demand through awareness and good marketing, and addressing the imbalances and weaknesses in the insurance market and insurance companies of the existence of a small capital and low, Apart from the urgent need to review the insurance laws and regulations to fit with the recent developments of the insurance industry.
The Director of United Insurance (Tariq Abdul-wide) has noted in his opening remarks for the symposium to establish a company of the symposium is to strengthen its role in society, it is not just marketing to the extent that aimed to establish a culture of insurance which will contribute to the protection of society, expected to work to increase the Symposium scientific and practical skills for those involved in various projects, as well as reduction of the stalled project and the resulting financial burdens and bear the consequences of damage to various government and contractors, as well as to protect the contractors and engineering companies of potential risks, and creating insurance awareness among all relevant actors need to activate Qguanien insurance compulsory for all types of insurance.
He said that the adoption by the insurance company for a seminar of engineering, comes within the framework of its prevention and precautionary cover all the risks faced by different types of insured property and the nature of the work, in addition to being the first of its kind in Yemen, and is at the forefront of the areas that are of great importance, especially to ensure (the dangers of contractors), which includes covering the risks during the implementation of construction projects, engineering, and to cover damage caused to the machinery and equipment.
For his part, Undersecretary of the Ministry of Public Works and Roads (Abdel-Wahab Governor) to establish proof of the symposium on private-sector interest and participation in the course of development, blessed by the United set up the symposium, which he said "will contribute to raising the awareness of engineering and consulting companies to reduce the risk, noting that" Engineering insurance Ihoudy with great interest in the construction sector ", expressing at the same time, the ministry's application of construction contract and consulting services between the parties executing the projects included the necessary insurance on projects to reduce the risk and investment protection.
The representative of the Higher Committee for Tenders (Fawzi Mujahed) the relevance of the symposium, "In light of the evolution of development projects and active role," referring to the urgent need for the dissemination and development of the engineering concepts of insurance markets in order to create a comprehensive insurance service economy and contribute to the State's plans for social protection, to the remarkable Government's vision that "the view that the contractors of construction projects all give serious thought to the activation of this type of insurance to the motivation to implement the projects and not to consider insurance as a document to complete the official papers to the use of special permits for projects and engineering insurance premiums are low compared with the capital project.
As he (the struggling) the reasons for the decline in the application of engineering to the lack of insurance awareness of the importance of contractors, and the limited number of insurance companies that provide this type of insurance, and exaggeration in the price of insurance for contractors and consulting offices, the representative of the Yemeni General contractors (Ahmed Asbahi) insurance companies to reduce insurance rates and to facilitate Tammelth, as investors and encourage them to go to pay the insurance companies, asking them to reconsider the problems that sometimes occur during the process of compensation and for a shift from some of the compensation in full, which is considered an obstacle to the deal with insurance companies.
Asbahi called stakeholders in the Government to prepare a study for a new bill to make insurance mandatory on projects. The events included a seminar in the first day, reporting that the definitions of the United Insurance Company to review by the light of mourning Business insurance and engineering conditions of the insurance, in addition to the insurance application form and ensure all the risks.

Retirees institutions (amounts) complain about losing health insurance

Consumer Net - Ahmed eagles - the loss of health insurance for families and staff of institutions and companies that were privatized and transferred ownership from public to private sectors, has become a curse for the majority, especially after the retired from the companies and institutions in transition.
And Adnan al-Najjar and his family of six members have become a model after his retirement from the telecommunications sector and the loss of health insurance coverage for as long as the currency, which amounted to (25) years.
Najjar says ... You are an employee in an organization of telecommunications since the previous year (84 to 2007) and I hold a health insurance card to me and my family from the health insurance and remain valid for up to 98 and by the deduction of 2% of my salary for the benefit of insurance to the secured Althakna as the Royal Medical Services, we and our families The exchange rate of health insurance cards .. After the retirement of 112009 and have reviewed the company's giving me a book for a review of health insurance in order to obtain a health insurance card (....) but I was not to exchange cards, health insurance for me and my family,''without mentioning the reasons.
The following Elnaggar''and since then I revise for health insurance, but without result .. Is it justice that serves the 26-year-old officer in the post did not receive health insurance upon retirement or to withdraw from the insurance card reward him''.
He said''I have a review of health insurance for more than (5) times and the recall, the Ministry of Health and were rejected on the grounds of laws and regulations of the Ministry of Health, which does not apply to my (...) and also interviewed the director of health insurance and responded that the law does not allow for the payment of health insurance cards without clarifying the reasons (...) Hollene with the media once again to the ministry of health insurance when the complaint was filed there, but in vain''.
Najjar confirms that in this time and five children, however, covered by any type of health insurance at the time who is now post-retirement benefits and service, which lasted for a period of (26) years in dire need of insurance in light of the drought, noting that the sources of income, salary and pension of $ (227) ID is not enough to heal, if two of his sons suffered a sudden diarrhea.
For its part, the Ministry of Health announced the resumption of a program to provide a social safety net category and its intention to provide some (300) A citizen of the year, and be subjected to health insurance regulations and in accordance with the foundations laid by the relevant ministries in cooperation with the Directorate of health insurance to include in the end to provide some (2 .1) million citizens do not have any the umbrella of health insurance.
The Minister of Health Dr. Nayef Al Fayez said in an earlier meeting with reporters that the Ministry of Health will focus over the next three years largely on the coverage of health insurance all Jordanians.
Fayez stressed that the year 2012 will cover all citizens health insurance.
Did not clarify the rules or laws, including health insurance must be carried out by retirees in this category (Transferors result of privatization) of the public sector to private Social Security account of how the purchase of health services provided by some shelter from the consequences of the fall of age.
The ratio of health Insurance covered so far to 86% and are as follows: civil health insurance covers approximately 42% of the UK population, including a large segment of the category of the poor and the Health Insurance Fund covers the military and the rate of 30% of the population, and health insurance funds of the Agency Relief cover per 5 .8% and the private companies, the private sector 7%, and the staff of the Jordanian public universities 5 .1%.
The Ministry of Health has developed over the last three years a new health insurance programs is a program to provide retirees over the age of 60 years and to provide children under the age of 6 years, including the children of the Gaza Strip and the category of poor, pregnant women and the social safety net insurers, raising the proportion of health insurance to 9% for the percentage of believers until now to 86%.
Characterized as a civil health insurance compulsory for all staff in the civil service in government and is not specific to the type of the roof of a service that can be obtained in exchange for monthly subscription of $ 3% of the salary of the employee with a higher 30-dinar, a staff member to contribute a symbolic contribution to the service upon receipt directly.
The health insurance mandatory for all military and retired military personnel in the armed forces of Jordan and their families, including parents, brothers and sisters until the age of 18, and sisters who are for themselves, however, in addition to people with special needs.
It covers the health insurance of the University of Jordan Hospital, the university and the hospital staff and their families, university students, who make up 5 per .1% of the population.
Opinion