Boat Insurance

Boat Insurance Basics May Help You Stay Afloat

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Having the proper insurance may not be the most exciting part of owning a boat, but being savvy matters; the right coverage saves money, time, and hassle in case of an emergency. As a new boating season gets underway, boat owners should know the basics of different types of insurance coverage, review their current plan, and be sure they have the one that best meets their needs. Some key areas of coverage to consider this season include :

Salvage savvy

No one wants to lose a boat, but if the worst happens, don’t assume salvage is part of your insurance policy. According to the Boat Owners Association of The United States (BoatUS), some boat insurers will subtract the cost of salvage from the boat’s insured value. That means owners receive reduced funds for repairs, or less money back if the boat is a total loss. So seek out a policy that offers salvage coverage separate, but equal to the hull-value coverage.

Consequential concerns.

Consequential damage is a tricky area of boat insurance. Data from BoatUS indicate that about half of all sinkings occur when the boat is docked and a small part below the waterline fails, often as a result of wear and tear, corrosion, or inadequate maintenance. An insurance policy may not cover the failed part, but ensure that it covers "consequential damage," such as major repairs or the cost of the boat in cases of total loss in the wake of a failed part. This consequential damage coverage generally only applies to major or total losses. It’s typical, for example, to cover the immediate consequential damage resulting from any sinking, fire, explosion, demasting, collision or stranding.

Rescue review.

On-water towing assistance is an element of some boat insurance policies, but understand what type is right for your needs. If you have only one boat, ask your insurance company whether it offers a towing service. Some companies, such as BoatUS, have their own towing fleet. Important questions for your insurance company:

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  • Who is providing the towing service, if not their own fleet ?
  • Is there 24-hour service?
  • Will you have to pay out of pocket and seek reimbursement

For more tips and information to optimize your boat insurance, visit BoatUS.com/insurance for quotes or contact marine insurance specialists at 800-283-2883.

Insurance Plans

 Most Insurance Plans Cover Chiropractic Care

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It's being called “a game-changer”, and for good reason. Tens of millions of Americans seeking chiropractic care are now routinely covered by major medical plans, Medicare, workers’ compensation, and even some Medicaid plans.

Studies have shown that chiropractic reduces costs per episode of care by as much as 40 percent. And with more than $700 billion spent dealing with musculoskeletal disease in 2011 alone, that kind of savings  along with chiropractic care’s higher reported patient satisfaction should be applauded.


When you visit your doctor of chiropractic, feel free to have your insurance card ready.

About 30 million Americans seek chiropractic care annually, and apparently not all of them know their visits are routinely covered by major medical insurance carriers, Medicare, workers’ compensation, and even some Medicaid plans. Part of the increased availability is a result of non-discrimination measures in the Patient Protection and Affordable Care Act and the welcome mat to chiropractic care at various government levels, including military bases and Veterans Administration facilities.

Boosting awareness, say experts, could be a game-changer.

Consider this: The more than $796 billion spent caring for musculoskeletal diseases in 2011 made it among the costliest healthcare expenditures, according to the latest available statistics. Meanwhile, the “chiropractic-first” approach many experts advocate — avoiding traditional spine surgery when possible and potentially addictive drugs — has been shown in numerous studies as friendlier to both wallet and patients.

“Chiropractic care is documented to reduce costs per episode of care by up to 40 percent, while also yielding improved clinical outcomes and overall higher patient satisfaction,” notes Sherry McAllister, DC, executive vice president of the not-for-profit Foundation for Chiropractic Progress.

Doctors of chiropractic, who have a minimum seven years of higher education, practice a hands-on approach to addressing neuro-musculoskeletal conditions, including back, neck, and joint pain.

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Doctors of chiropractic are primary care professionals for spinal health and well-being, dedicated to conservative care that provides Americans an alternative to prescription drug use, abuse and opioid dependency. Learn more at F4CP.com.

Insurance

Insurance

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Insurance is a means of protection from financial loss. It is a form of risk management, primarily used to hedge against the risk of a contingent or uncertain loss.

An entity which provides insurance is known as an insurer, an insurance company, an insurance carrier or an underwriter. A person or entity who buys insurance is known as an insured or as a policyholder. The insurance transaction involves the insured assuming a guaranteed and known - relatively small - loss in the form of payment to the insurer in exchange for the insurer's promise to compensate the insured in the event of a covered loss. The loss may or may not be financial, but it must be reducible to financial terms, and usually involves something in which the insured has an insurable interest established by ownership, possession, or pre-existing relationship.

The insured receives a contract, called the insurance policy, which details the conditions and circumstances under which the insurer will compensate the insured. The amount of money charged by the insurer to the policyholder for the coverage set forth in the insurance policy is called the premium. If the insured experiences a loss which is potentially covered by the insurance policy, the insured submits a claim to the insurer for processing by a claims adjuster. A mandatory out-of-pocket expense required by an insurance policy before an insurer will pay a claim is called a deductible (or if required by a health insurance policy, a copayment). The insurer may hedge its own risk by taking out reinsurance, whereby another insurance company agrees to carry some of the risks, especially if the primary insurer deems the risk too large for it to carry.



Insurance companies may sell any combination of insurance types, but are often classified into three groups:

  • Life insurance companies, which sell life insurance, annuities and pensions products and bear similarities to asset management businesses
  • Non-life or property/casualty insurance companies, which sell other types of insurance.
  • Health insurance companies, which sometimes sell life insurance or employee benefits as well

General insurance companies can be further divided into these sub categories.

  • Standard lines
  • Excess lines

In most countries, life and non-life insurers are subject to different regulatory regimes and different tax and accounting rules. The main reason for the distinction between the two types of company is that life, annuity, and pension business is very long-term in nature – coverage for life assurance or a pension can cover risks over many decades. By contrast, non-life insurance cover usually covers a shorter period, such as one year.


Mutual versus proprietary

Insurance companies are generally classified as either mutual or proprietary companies.[56] Mutual companies are owned by the policyholders, while shareholders (who may or may not own policies) own proprietary insurance companies.

Demutualization of mutual insurers to form stock companies, as well as the formation of a hybrid known as a mutual holding company, became common in some countries, such as the United States, in the late 20th century. However, not all states permit mutual holding companies.

Reinsurance companies

Reinsurance companies are insurance companies that sell policies to other insurance companies, allowing them to reduce their risks and protect themselves from substantial losses. The reinsurance market is dominated by a few very large companies, with huge reserves. A reinsurer may also be a direct writer of insurance risks as well.

Captive insurance companies

Captive insurance companies may be defined as limited-purpose insurance companies established with the specific objective of financing risks emanating from their parent group or groups. This definition can sometimes be extended to include some of the risks of the parent company's customers. In short, it is an in-house self-insurance vehicle. Captives may take the form of a "pure" entity, which is a 100% subsidiary of the self-insured parent company; of a "mutual" captive, which insures the collective risks of members of an industr); and of an "association" captive, which self-insures individual risks of the members of a professional, commercial or industrial association. Captives represent commercial, economic and tax advantages to their sponsors because of the reductions in costs they help create and for the ease of insurance risk management and the flexibility for cash flows they generate. Additionally, they may provide coverage of risks which is neither available nor offered in the traditional insurance market at reasonable prices.

The types of risk that a captive can underwrite for their parents include property damage, public and product liability, professional indemnity, employee benefits, employers' liability, motor and medical aid expenses. The captive's exposure to such risks may be limited by the use of reinsurance.

Captives are becoming an increasingly important component of the risk management and risk financing strategy of their parent. This can be understood against the following background:

  • Heavy and increasing premium costs in almost every line of coverage
  • Difficulties in insuring certain types of fortuitous risk
  • Differential coverage standards in various parts of the world
  • Rating structures which reflect market trends rather than individual loss experience
  • Insufficient credit for deductibles or loss control efforts

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Other forms

Other possible forms for an insurance company include reciprocals, in which policyholders reciprocate in sharing risks, and Lloyd's organizations.

Admitted versus non-admitted

Admitted insurance companies are those in the United States that have been admitted or licensed by the state licensing agency. The insurance they sell is called admitted insurance. Non-admitted companies have not been approved by the state licensing agency, but are allowed to sell insurance under special circumstances when they meet an insurance need that admitted companies cannot or will not meet

Insurance consultants

There are also companies known as "insurance consultants". Like a mortgage broker, these companies are paid a fee by the customer to shop around for the best insurance policy among many companies. Similar to an insurance consultant, an "insurance broker" also shops around for the best insurance policy among many companies. However, with insurance brokers, the fee is usually paid in the form of commission from the insurer that is selected rather than directly from the client.

Neither insurance consultants nor insurance brokers are insurance companies and no risks are transferred to them in insurance transactions. Third party administrators are companies that perform underwriting and sometimes claims handling services for insurance companies. These companies often have special expertise that the insurance companies do not have.

Financial stability and rating


The financial stability and strength of an insurance company should be a major consideration when buying an insurance contract. An insurance premium paid currently provides coverage for losses that might arise many years in the future. For that reason, the viability of the insurance carrier is very important. In recent years, a number of insurance companies have become insolvent, leaving their policyholders with no coverage (or coverage only from a government-backed insurance pool or other arrangement with less attractive payouts for losses). A number of independent rating agencies provide information and rate the financial viability of insurance companies.

Insurance companies are rated by various agencies such as A. M. Best. The ratings include the company's financial strength, which measures its ability to pay claims. It also rates financial instruments issued by the insurance company, such as bonds, notes, and securitization products.

Source : wikipedia.org

Permanent Life Insurance

 Permanent Life Insurance Has Real Benefits

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When you are young, you are offered perfectly sound advice on a wide variety of topics, which you often ignore. One piece of advice that shouldn’t be ignored is the suggestion to consider purchasing a permanent life insurance policy early in your working life, while you’re young and healthy.

Too many young Americans see life insurance as a death benefit only, and fail to consider the advantages and complete value that it can provide. Permanent life insurance provides valuable death benefit protection but also builds cash value that policyholders can use to pay for college, make a down payment on a home or serve as an important source of income for any other purpose throughout their life.

The difference in benefits when purchasing a permanent life insurance policy at 25, versus age 40, is eye-opening.


A 25-year-old female paying a little more than $180 per month in a Flexible Choice Whole Life insurance policy will build more than $29,000 in guaranteed cash value by age 40, and by age 65, the guaranteed cash value would grow to $120,600, with a guaranteed death benefit of $300,000.

If this female were to wait until age 40 to make the same monthly payment in a Flexible Choice Whole Life policy, she would have just over $53,000 in guaranteed cash value at age 65, with a death benefit of $161,000. (Nearly half of the amount that could be available if she were to make the purchase at age 25.)

A financial professional will tailor a plan to fit your own financial goals, and demonstrate how permanent life insurance fits within a sound financial plan.


To learn more about the real benefits of a financial plan that includes permanent life insurance, and the advantages to starting today, visit www.Pennmutual.com.


1. Accessing cash values may result in surrender fees and charges, may require additional premium payments to maintain coverage, and will reduce the death benefit and policy values.

2. Assumptions: 25-year-old female, preferred plus non-tobacco, $183 monthly premium, $300,000 death benefit.

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3. Assumptions: 40-year-old female, preferred plus non-tobacco, $183 monthly premium, $161,503 death benefit. Assumes only a minor decline in health rating. Additional change in health would result in higher premium or inability to obtain coverage.


Minimize Retirement Risk With Permanent Life Insurance


With persistent economic uncertainty, retirement worries plague many Americans. Instead of dreaming about their golden years, workers may be haunted by the possibility of a retirement where the idea of not having enough money may not be hyperbole. Consumers are looking to diminish risk and take control. A financial professional will tailor a plan to fit an individual’s own financial goals, but permanent life insurance should be a part of any diversified retirement strategy and can offer security and growth for those with a number of working years ahead.
Permanent life insurance offers death protection as well as the potential for cash value accumulation, which can be an important source of retirement income. As the value of a permanent policy grows tax deferred over time, the cash may be used for any purpose. This kind of life insurance offers a measure of flexibility that enables consumers to make choices and better manage their financial lives and can augment other income sources like Social Security, 401k savings or pensions for those lucky enough to have them.The income stream from a permanent life insurance policy may also help cover the "gap years," which fall between retirement and the age when Medicare and Social Security benefits begin.


Most retirees will need the guidance of a financial professional to determine the best use of resources during the gap period and throughout retirement. However, consumers should know that a permanent insurance policy could be the difference between retirement at an age you desire instead of when Social Security and qualified plan distributions start. This additional resource may also enable a retiree to delay the start of Social Security payments, which will ultimately deliver larger monthly sums over time.

In addition to assisting with bridging the gap years, a permanent insurance policy may help cover unexpected or planned expenses from healthcare costs, to paying for a grandchild’s college education, to contributing to the start-up of a family business. No matter how permanent insurance is ultimately used, if structured properly, a policy can provide an income tax- and estate tax-free death benefit. Retirees can then spend their retirement income knowing they will still leave a legacy to their children or a favorite charity.


To learn more about how to leave a legacy and strengthen your retirement plan with permanent life insurance, please visit www.pennmutual.com.

Accessing cash values may result in surrender fees and charges, may recquire additional premium payments to maintain coverage, and will reduce the death benefit and policy values.

Value Of Life Insurance

 Complete Value Of Life Insurance And Working With A Financial Professional

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Over the last several years, planning for retirement has been anything but simple. Market uncertainty, lower real estate prices and for some, job loss or stagnant salaries, have made saving and investing for a sound financial future more challenging than ever. That’s where a financial professional comes into play.

A financial professional can help you save, invest and grow your money, while protecting what matters to you — your family, a business or standard of living. But, how do you find a financial professional that’s a good fit for you?

1. Start by considering his or her philosophy and approach to retirement planning. In today’s tenuous financial environment, a professional who believes permanent life insurance plays a critical role in a financial plan should be a strong consideration. Permanent life insurance provides a guaranteed safety net, should the unthinkable happen. A death benefit can give you peace of mind that your family or business is properly protected. Plus, the cash accumulation potential of permanent life insurance can be used to launch a second career, pay for a grandchild’s education or supplement retirement revenue streams. Permanent life insurance also allows other elements of a financial plan, such as annuities, investments or disability insurance, to do their job.

2. Make sure the financial professional has the proper education and training. Here are the top credentials to look for:

  • Chartered Life Underwriter (CLU) — an insurance designation often held by those who specialize in life insurance and estate planning and given by The American College, a nonprofit dedicated to educating individuals in financial services.

  • Certified Financial Planner (CFP) — a designation given and governed by the Certified Finacial Planner Board of Standards.
  • Chartered Financial Consultant (ChFC) — a designation on par with the CFP, also given by The American College.
3. Make certain you have a good comfort level with the financial professional, and how they communicate with clients. You can do this by scheduling an in-person meeting, preferably at their office, to ask the following questions:
  • What is your approach to retirement planning?
  • How often will I have the opportunity to meet in person to make sure my plan can adjust as my life evolves?
  • What is the average length of your relationships with clients?
  • Will you offer options and help me compare risks, costs and benefits?
  • How will you communicate with me about my finances?
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To learn more about working with a financial professional to take full advantage of the complete value of life insurance, visit www.PennMutual.com.


  • All guarantees are based on the claims paying ability of the issuer. Accessing cash-values may result in surrender fees and charges, may require additional premium payments to maintain coverage and will reduce the death benefit and policy values. Any examples are hypothetical, intended for illustrative purposes only, and highlight a single possible outcome. Individual results will vary.


Life Insurance: Possibilities In A New And Complex World

According to a recent study published by the Life Insurance and Market Research Association, last year only 44 percent of U.S. households had individual life insurance, and 30 percent of U.S. households had no coverage at all.

These statistics come at a time when using life insurance for both its protection benefit and as a way to build cash has never made more sense. Once pillars of financial stability, home equity, defined benefit plans, 401(k) matches and social security are now under threat. Under these circumstances, funding a college education, launching a new business or meeting an unexpected health emergency are daunting and cannot easily be resolved with many of yesterday’s financial solutions.

A permanent life insurance policy that is reviewed and updated on a regular basis protects more than just assets. It brings stability and can help you take advantage of so many of life’s possibilities.

If you are thinking about buying life insurance or increasing the amount of coverage you already have, here are some common misperceptions you should know:

  • Life insurance is a death benefit only. In addition to a death benefit, permanent life insurance offers cash value accumulation. This money can be used to cover all kinds of life expenses for you and your family, or, small business.
  • Buying term insurance with a minimum amount of death benefit and putting the rest of your money in other investments is the way to go. While death protection is important, permanent life insurance offers that protection and cash accumulation, thereby meeting your needs as they evolve throughout your lifetime.
  • Life insurance matters only when you have children. Life insurance can fulfill many different needs aside from protecting children. For instance, you can access the cash value of a permanent policy to help grow a business or fund a favorite philanthropy.
  • Life insurance is a monthly bill. Premium payments on a permanent life insurance policy are an investment in your future. A permanent policy is like paying yourself, as the policy accumulates cash value over time that can be used when and however needed.

For more information about all of life’s possibilities that life insurance may fulfill, please visit www.pennmutual.com.

NoLoad Config Update

 Part 90| SocksIP Tunnel | SBR Injector | OpenTunnel | NoLoad for GTM

08 October 2021 ● SIP ● Update

DOWNLOAD FILE BELOW


Update : October 08 (Evening Update)

Note : Pakibasa nalang po ng mga nakasulat para iwas maraming tanong. Anjan na po lahat ng kailangan nyo para makagamit ng libreng internet.

🔴 Sa chrome to eopen para di mahirapan sa pagdownload ng config. iclick mo tatlong tuldok sa taas at piliin ang "open with chrome. 🔴


Tip : Download kayo isang config bawat server para may pangpalit dahil minsan may mga oras na humihina o nagdadown ang isang server.

May exclusive config para lang sa mga nakasubscribe sa Telegram Channel ko.
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☆ May emoji reaction po sa ibaba nitong post, pakireact po para malaman ko kung gaano karami ang natutuwa sa mga config ko. Thank You !! God Bless Everyone !!! ☆

Suggested VPN to use :
SBR Injector & SocksIP.
minsan nagloloko ang Open Tunnel.

Not working po ang Open Tunnel.

NOLOAD CONFIG
FOR GLOBE/TM ONLY




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VPN ( Virtual Private Network )

● VPN technology was developed to provide access to corporate applications and resources to remote or mobile users, and to branch offices. 
For security, the private network connection may be established using an encrypted layered tunneling protocol, and users may be required to pass various authentication methods to gain access to the VPN.
In other applications, Internet users may secure their connections with a VPN to circumvent geo-blocking and censorship or to connect to proxy servers to protect personal identity and location to stay anonymous on the Internet.
Some websites, however, block access to known IP addresses used by VPNs to prevent the circumvention of their geo-restrictions, and many VPN providers have been developing strategies to get around these blockades.



Ano nga ba ang silbi ng VPN sa madaling salita ?
  • Kayang itago ng VPN ang iyong original IP address upang hindi ito makita ng mga nagtatangkang kumuha ng mga informasyon tungkol sayo katulad ng mga hacker.
  • So, kapag nakatago ang iyong IP address makakapagbrowse ka na sa internet anonymously. Hindi na basta-basta makakakuha ng impormasyon tungkol sayo o sa gadget na ginagamit mo ang mga hacker.
  • Dito sa pilipinas marami ang gumagamit ng vpn para makapag-internet kahit walang load. Pero syempre kailangan may alam ka din para mapagana ang vpn at magamit mo sa pag-iinternet ng libre.
  • Kung gusto mo matuto paano gamitin ang vpn sa pagconnect sa internet ng libre, click here.



Ligtas ba gamitin ang mga VPN ??
  • Oo, Ligtas na gamitin ang mga vpn, mas maganda nga na palaging gumamit ng vpn para safety ang mga online activities mo.


Legal ba ang paggamit ng VPN ?
  • Ang paggamit ng vpn sa iba't-ibang bansa ay legal, kabilang na dito ang pilipinas. Subalit, kapag gumamit ka ng vpn upang gumawa ng illegal, mananatiling illegal pa din yun, at alam naman natin na ang pag gawa ng illegal ay may kaukulang parusa.





Ang ibang mga VPN ay gumagamit ng configuration file para makaconnect sa internet at pwede kang din gumawa ng iyong sariling configuration file.


What is Configuration Files ?
  • A files that contain the shared key, user identification, IP addresses, and settings that are used to create a secure tunnel connection. Configuration file is now commonly used in different kind of VPN, like OpenVPN, Http Injector, SocksIP, etc.
  • Kung naghahanap ka ng configuration file ng mga vpn na nabanggit sa itaas, pwede mong ivisit ang facebook group na ito RG EHI FILE.
  • Kung gusto mo naman matuto kung paano gumawa ng sarili mong configuration file ng vpn, pwede mo panoorin ang mga video tutorial sa youtube channel na ito RG CHANNELlibre lang din ang magsubcribe para maupdate ka sa mga iuupload na video tutorial tungkol sa vpn.

Free Configuration File

◇ Free Configuration File ◇
| PART 99 |
| SBR INJECTOR |
| SOCKSIP TUNNEL |
| OPEN TUNNEL |
◇ NoLoad/NoPromo ◇
| GLOBE/TM |

12 October 2021 • EHI • Update
🔽 DOWNLOAD CONFIG BELOW 🔽


Update : October 12 (Update sa Hapon)

Note : Libreng gamitin ang lahat ng mga config file ko na makukuha nyo dito sa website ko. Kahit kailan di ako nagbenta/magbebenta ng config file.



Please don't use on torrent and/or any illegal activities !!!
Upang tumagal ang buhay ng mga server, maawa kayo sa mga master natin na nagpapakahirap para lang makapag provide ng free internet !!!



^^NoLoad Config^^
Good for:
  • Facebook
  • Youtube
  • Surfing
  • Livestreaming
  • Downloading
  • Gaming (depende sa area)



READ THIS !!!

Paano idownload ang Config File ?

  1. Kung hindi ka sa chrome naka-open, click mo ang 3 tuldok sa taas sa may right side then piliin mo yung "open in browser" then piliin mo ang chrome.
  2. Scroll down mo, makikita mo sa may ibaba ang download button at pumili ka ng category ng file na gusto mo idownload then iclick mo.
  3. Mapupunta ka sa mga link ng config file, pumili ka ng server na gusto mo then iclick mo ang link.
  4. Mapupunta ka sa ibang site. Sagutan mo lang ang captcha para madownload mo na ang ehi file.Tapos na !
  5. Kung gusto mo ang mga config file na gawa ko, ifollow mo ang site na to dahil dito ako magpopost ng mga update ng config file, at ishare mo na rin. : )

May exclusive config para lang sa mga nakasubscribe sa Telegram Channel ko.
Join/Subscribe to My Telegram group/channel.


☆ May emoji reaction po sa ibaba nitong post, pakireact po para malaman ko kung gaano karami ang natutuwa sa mga config ko. Thank You !! God Bless Everyone !!! ☆

Suggested VPN to use :
SBR Injector & SocksIP.
minsan nagloloko ang OpenTunnel.

Not working po ang OpenTunnel.


NOLOAD CONFIG
GLOBE/TM ONLY





Please feedback po mga paps para ganahan pa lalo sa paggawa ng mga config.
At kung may mga katungan kayo pwedeng magcomment sa ibaba.





Hebrews 13:5-6

Keep your lives free from the love of money and be content with what you have, because God has said, "Never will I leave you; never will I forsake you." So we say with confidence, "The Lord is my helper; I will not be afraid. What can mere mortals do to me?"