Juvenile Or Child Life Insurance Tips


 Juvenile Or Child Life Insurance Tips

Many people know the importance of life insurance. However, when it comes to children, people may not know what to choose. When it comes to the types of life insurance available for children, there are two: child life insurance and juvenile life insurance. A child’s requirements for coverage will depend on their age and needs while a juvenile will require different coverages based on their age and activity level. Here are some tips for choosing the right insurance for your child:

· Generally, children need to be insured from ages 2 until they reach age 18. Even after they turn 18, many states require certain minimum basic life insurance coverage from a parent or guardian in case of their accident or injury.

· Make sure the child’s needs are assessed and that they have a clear picture of what they want. It is also important to note that even if you have the best coverage in the world, if your child doesn’t really need it, you won’t use it and paying it will ultimately end up costing you more money.

· The best coverage available is one that is right for the child. Consider their future educational goals and plans for going beyond college as well as what they plan to do with their money and possessions. Also talk to them about how they intend to take care of themselves in case they become ill or disabled. For example, if they are planning to teach or an athlete, then you will want a higher level of coverage than if they plan on working at McDonalds or some other job that doesn’t involve a lot of risk. Consider all of these aspects to determine what level of coverage is needed.

· Consider different types of policies. There are a number of options available for children, including the basic term policy, which protects you against death only, and cash value insurance policies which grow over time as you pay in. Some consider cash value insurance better because it offers more protection over time and it can continue to be used even if the child is sick or disabled. Although these policies are more expensive, they offer a lot more coverage and protection than other types of children’s life insurance policies.

· Make sure you are well aware of the different types of options and their coverage levels so that you can choose one that is best for your situation and your child’s needs. For example, if your child is looking towards college, they will need more coverage than if they are planning to do a year or two at a local community college.

· Also, be sure to work with an insurance agent who specializes in children’s policies. They will be able to advise you on the best options for your situation as well as the costs involved.

· The best time for children to get life insurance is when they are still very young since they may not really understand what it means to have protection against death. It is also a good idea to get life insurance before the child starts school since it will help them financially in case of an illness or accident that sidelines them from school.

· Get as much coverage as you can afford while your child is still young since the costs will be much lower than if they are older and need more coverage. As your child gets older, always work with an agent so that you can make sure the coverage fits their needs and the premium costs remain at a level that works for your family’s budget.

TIP: Life insurance for a child should be thought of as “livesaving” instead of “money saving”. Insurance is meant to protect you and your family from financial loss should they become hurt or disabled, so it is important to make sure that the cost of insurance doesn’t make the loss more difficult to bear.

The article above was originally written by a life cover agent for Prudential Insurance Company. All articles are reviewed and approved by the Prudential Life website design team before being published on this site. Prudential Life does not endorse the contents of these articles..

Source: http://www.prudential.co.uk/pages/Page_305889_1_0_0.htm

Life Cover for Israeli Settlers in the West Bank

by Tarek El-Tactaweel (The Observer, Sunday May 13th, 2009)

The violent raids of settlers on Palestinian villages is a commonplace feature of life in the occupied territories, but despite an official policy that such attacks are wrong and must be restrained, Israel has repeatedly flouted international law with impunity. After years of painstaking diplomacy, however, success is finally being achieved under pressure from the European Union and with US support.

Tarek El-Tactaweel writes: - Israel’s illegal settlement policy is on the point of collapse. Its destructive and provocative effect on Palestinian life cannot be denied any longer.

The extraordinary decision of the French government to end its construction of a new settlement for religious Jews in Jerusalem is, therefore, an important victory for peace and justice in the holy city – and an opportunity to bring a permanent solution closer. France’s move was impressively swift after it had concluded that Israel has no intention to curb its colonialist project.

It follows months of intense efforts by the European Union (EU) to enforce its stated policy on settlements, which is that they are illegal under international law. Israel and the US have been acting aggressively to undermine EU efforts, and have even supported moves by a number of member states, notably Germany, Holland and Sweden, to circumvent the policy on settlements.

Now, however, it appears as if there is a method in the madness of international diplomacy. The diplomatic positions of Israel and its most important allies – Washington and Paris – are being increasingly forced into alignment through diplomatic manoeuvres other countries are undertaking. This gives us an opportunity to bring permanent peace closer.

Although Israel has recently suffered a series of setbacks in its schemes to undermine the EU’s policy on settlements, there is every reason to believe it will continue its efforts. The US government also wants to push for a settlement freeze in order to get pressure off Israel.

With so much on the line, it is quite surprising that anyone would try to sabotage international opinion on this issue. But that, sadly, is what some European governments have been doing: a recent report by Amnesty International found new evidence that Italy and Denmark had broken EU guidelines by deliberately undermining the EU’s stance by continuing funding for Israeli settler communities in illegal settlements.

The damage done so far is considerable.

Conclusion: We seem to have turned a corner in the face of an historic policy reversal on Israel. For a long time, it seemed impossible to expect righteous or generous behaviour from the arrogant and imperious Israeli government, but this seems to be changing.

For the first time in many years, day-to-day life in Palestine has been transformed by international outrage at its colonialist policies, not least because of its recent settlement activity. However, this process cannot end with the French withdrawal of further funding for a new Jewish settlement in East Jerusalem – and not only because it is illegal under international law.

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