Life Insurance and its benefits

Life insurance is a cover which protects our dependents from any sort of financial difficulties at the time of sudden demise of the breadwinner. Why do we need to protect ourselves after we die?we cannot enjoy the money for what we are paying for entire life. Its a form of protection that we can give to our dependents, our loved ones to continue to enjoy their life without any financial constraints. The need arises for such a protection when you know the difficulties and trauma one will go through with the breadwinner’s demise.

Consider the additional benefit provided by few of the life insurance providers especially Zurich International with the added cover for critical illness and disability cover. Who will support us once we are infected with the critical illness? will our savings be enough for all the medical treatments required during the particular stages? In meantime how will our daily life run without a job in hand? who will take care of our dependents at that time.We cannot ask our family members to go to work just to cover our medical expenses. In this scenario Life insurance plays a major role in protecting you through these tough times.

The procedure, the paperwork may be complicated during the inception of the policy but that will cover you for the rest of the term period. The medical procedure is done beforehand during inception of the policy so denial of claim due to pre-existing chronic conditions will not be  constraint because no life insurance will cover you if any symptoms of critical illness is found during the medical test.

The life insurance can also be an as-surety  for Mortgage loan which will protect the financial burden on the family if the loan-taker dies without completing his installments.Protect yourselves before its too late,Insurance will not cover you at the last moment,Plan ahead and secure your family.



Medical Individual insurance-Focus on important criteria

Medical insurance we take up sometimes does not come to help us at the time its needed the most.why does this happen? We believe that joining any cheap insurance policy will cover our entire risk but no,they don’t do it.We have to understand that risk which insurance company is ready to take will be comparatively lesser with restrictive benefits then the high end plans .We fail to know the clauses and conditions put forth on those policy before entering to such scheme’s.In case of Medical insurance we must correctly asses the benefits and network of hospitals we are entitled to be on direct billing, if you go to any hospital which are outside network; you will end paying for it with hope of reimbursement which will be very less. Being from the insurance background I know the pros and cons in this field,my reason to put forth this information was to safeguard your interest while looking for any insurance.

The Medical insurance mainly focuses on important criteria such Pre-existing cover, Network of hospitals, Geographical coverage and deductible. The premium of medical insurance mainly depends on the network of hospital, if you choose high coverage of hospitals then your premium will increase substantially,same goes other way round. Pre-existing cover is any condition which is before the inception of policy and insurance may or may not cover.It is better to disclose all the material facts before the start date of the policy later to know that your policy does not cover any pre-existing cover. Also its very essential to know that any related conditions to pre-existing will also be not covered. Deductible is the excess one needs to pay while consulting a doctor.This is in place so that we don’t abuse our insurance card.


Look into these factors before always taking up the insurance policy



All of us know that insurance is an essential equipment which is required by any individual residing in UAE in order to protect against catastrophic conditions which can turn even an highly rich and influential person in debt.The conditions can be any but do we have enough monetary funds to withstand it or let us transfer those risk to an insurance companies

The insurance companies forms a barrier between you and the fatal conditions in terms of monetary safety. The insurance can be medical insurance, third party liability, office insurance, credit insursnce, property insurance, vehicle insurance or any other sort of insurance. Through these various risk are transfered to insurance companies for small amount of premium.

There are conditions put forth by insurance companies for any policy which should be adhered by an client. These clauses are implemented in policy to safeguard the interest of insurance from paying client for false claims. So its necessary for any client to know the policy before taking it.

The basic principle of any insurance is disclosure of material facts where any factor hidden before the inception date will lead to void in contract once the policy is issued. In that case an insurance will not be liable to pay for the claim aroused through that conditions.

So insurance helps us to have a peace of mind at the end of the day

Inspirational day

Today started of slow without any adventure, thrill or fun but as they say it time never let’s anyone stay without these things for long. I was previously traumatised by how things are heading but today was a different day. Today was something different , something more meaningful and slice of inspiration to gain from the movie” two states”.

Time so passed can not be verbally expressed in the minutes of words.I realized more valuable facts of life, though I had read the book before but as they call it life can be changed with a split second.The moment you start believing in your self , that’s the point where your action turns to achieve the dreams you carved for. Patience is the key to every successful endevears in life.

World wasn’t built in one day even the almighty took time to create a perfect place for us to survive and time so given by him to us to grasp all the knowledge and move accordingly. The moment you turn you entire focus on creating those possible favourable opportunities, does forming  events which will be blessed and graced with happiness.


Love ” worth millions”

From the moment I met you, I have lived my entire time thinking about you, about our future and about our life. Am I capable for you, Am I deserving, Am I mature to give you a settled life, to give you happiness, to solve your problems, to fulfil your dreams. All these in questions and none to answer. I have lived trying to unveil the perfect solution to all these and still trying.

I may not have much at the moment,nor the life to give,nor the ability to fulfil your dreams but what I have something is much greater then all this, its the love of life, carving to achieve your desires, life to build our future together and ability to protect you from all the odds.The life is what I have to dedicate for your happiness which is worth millions of any desires.

I may not be the best that you can get but I am surely the only one who can love you so much.

Jesus Christ “The hope”

My article today is purely on “One Man who changed the World” Who gave up his life for the sins of the people. A life dedicated to save us all from the clutches of  devil and turns us to the path of love and hope.


The name so pure and majestically enchanting that can create the feeling of safety and security in times of troubles, a hope when everything fails and love when there is hatred everywhere. He showed us a path where being rich and powerful dint mattered but what really mattered was loving one another, finding true meaning of peace and courage to stand against injustice without fear. Lord Jesus, son of God who went through all the problems
, pain, struggle, faced hatred, insult and humiliation to educate and teach us to believe in the Almighty who is Heaven, the creator of all sources. The Path he walked through his life being the Son of God showed us How to live life by simplicity and face difficulties with Courage.


I believe in the almighty who protects and guides us through all corners of life. The greatest gift of God to humanity is the love and hope where without love we would be nothing but mere mechanical robots and Hope is form of faith in the power of God who will never leave our side and walk us through to better future

Education Vs experience

Education is the most powerful weapon which you can use to change the world.” 
― Nelson Mandela

Is only education enough to succeed in life. The Education or training we go through from school days to the high school
is enough for our future endeavors or we need something more from that of education.Only education without the ability to push yourselves forward form all those conflicts within us i.e giving up without trying, emotional distress, strain and inability to move forward can withheld our skills, qualities and specialization from exposing to the world. So Experience is that key which gives a platform to showcase the skills, talents and specialization acquired through education..  

If Education is the foundation of skills, then experience could be polishing factor which enhances your skills to thousand times. Why experience is considered greater then education? Experience is  just a part of education, I call it real education where the learning takes place every moment. The specializations we do in our college will only helps us to the work but does it help us on how to handle a situation when there is a crisis? No it doesn’t, So we need education which exposes us to the practical world.Example Just like a doctor who just got out from college, will not be given to operate or the pilot who just got his commercial license will not be allowed to pilot the commercial airlines. Life is all about learning, the day you stop learning that’s the point where you stop growing.

When you feel that you have stopped learning from your job (work profile) then its the right time to move on.