1. a)
鞋子的品牌有哪些In this ca study, Jim, is a bricklayer, he have not enough work experience, so employment is sporadic. However, his wife, ro, has not been in full-time employment. So they have not fixed income. Jim and Rosie lived in the accommodation which they rented, they did not have hou. So they can not consider the pressure of mortgage. This couple had a two-year old daughter, and another child, the expenditure is incread, but the family had not stable income.
When we choo a type of contact, we should consider three reasons. They are death, sickness and redundancy.
Death: it can be caud by accident or natural caus.
Spou or long-time partner: once the spou die, the income will decread, if this family has mortgage, the others would hard to repay. According to this ca study, even though this family has not mortgage, Jim is the main income source, if Jim die, Rosie would hard to arai their children.
Children: Certainly, a lot of cost need be provided for children. If the family has daughter, it also exists wedding cost. A divorce can result one parent family and make their children have traumatic. In this ca study, Jim and Rosie have had a daughter, and another child on the way, one parent leaves always can hurt them. 食品手抄报
狗细小是什么病Sickness: when decide whether there is a need for sickness we should consider that long-term state sickness benefit should not be relied upon too much as it may disappear. ()
Redundancy: many families have lost their homes becau they have been unable to maintain their mortgage payments and the hou is then repossd by the lender. ( form textbook )llotape
b) as a professional, through communication, collect information, and bad on the family's statement, such as, their income is not high, unstable, and they have no saving, and this couple had two child, Rosie had not full-time job. And in this ca, Jim's aunt died, and Jim is her executor. So Jim want to provide a protection need for their family. Lif
e insurance includes two types, they are term assurance and whole life. Term life is protection product, premium is low, curity is high. So this term insurance is suitable for this family.
Term assurance is a purely protection products except the premium that give the administrative expens. There is no surrender or maturity value. The life assured always covers a period, once the period end, there will no return of premiums. If the life assured dies during the term, the policy expires and the company will provide a lump sum. If dies after the term, no payment is made.
Whole life assurance is not limited in a specific period. A whole life assurance can continue as long as the life of insured and keep pay the relevant premium. It must be return, becau of the insurance period is long, so the premium is higher than term assurance, and it has saving functions.
杭州人力社保2. a)
this clau details the type of event insured against. In the ca of a life policy it is usually very brief. That is, it only covers the death of the insured. ( from textbook )
For the ‘whole of life policy’, when the insurant is confirmed death, the insurance company will give compensation bad on contact. If someone disappeared over two years, it will be confirmed for death, the contract become effective. If it is suicide, it will not take effective. After two years, the people who purchad the insurance kill himlf, the company also make compensation.
b)
Proviso clau always called exceptions. There are usually some instances in which the policy will not operate. The exclusions or exceptions are usually found after the operative claus. (from textbook )
Some of the contractual exceptions may be peculiar to life assurance. In this ca study, jenny has a 'whole of life policy'. Generally, the insurance company won't pay if it is
caud by mountain climbing or stunt driving. In addition, company will not pay if the death is caud by nuclear fuel or terrorist activity
经营之道C)
Conditions always can be divided two methods to analyze. They are type and time. Type includes implied conditions and express conditions.
Implied includes 陀螺简笔画
that the insured has an insurable interest in the life of the subject; that both parties have obrved the utmost good faith in their dealings with one another;
That the life insured actually exists;
That the life insured can be uniquely identified.
Express includes general:
Protection against misreprentation and fraud
Alterations to be notified to insurer
Claims procedures
Privileges to either party
Contribution with other insurers of the risk
Cancellation clau
and particular:
It may be, to give an example, that the insurance company will require a periodic medical examination of the insured. ( from textbook )
d)
Endorments is necessary to make some adjustment to the detail of policy to record the changes in premium or the exchange of one item for another. In some cas, a new polic
y always can not be stopped, instead, an endorment slip can be published. The changes and some additional or return premiums involved.
