Paying for life insurance can sometimes hurts especially if you live pay check to pay check. But only a few can do without it. The key is to insure yourself for what you may probably loss if the unexpected happens. Term life insurance may be the answer if you are not yet decided on which type of life insurance you want to take out. And there are so many small and large life insurance companies that offer all types of insurance you can possibly imagine. For temporary ones, term life insurance is what most people buy.
Term life is also called as temporary form of insuring yourself and will cover you for a specified period of time. If you die with the specified period of the term your benefits will be paid. Even one day later will not be good as the insurer will not pay out. This type is commonly used by people who are just starting or new families. With term it will cover you while you are still raising your children. And it is also inexpensive; in fact it is about 6 to 10 times cheaper than a whole life.Whenever you plan to purchase, just make that the insurer or the insurance company is licensed or authorized to sell life insurance in your state. Another thing you should look out for in an insurer is if they are reliable for the long haul. Some of these smaller insurers are just starting up and you will not be sure if they would still be there three or five years from now. Also check their practices on paying out their clients and beneficiaries. So it is critical that you know the insurer ratings and soundness. You need to be assured these companies would still there when time comes.There is a relatively new feature of term life insurance know as – Return of Premium or ROP for short. This form of coverage is a bit higher than the regular term life but has the benefit of refunding you a hundred percent of the paid premium. You can refund the premium paid at the end of the term or return period. The insurance company will invest the money from your premiums and at the end of the term you will get what you paid and the insurance company will keep the profits.Term functions in a manner similar to most other types of insuring. It satisfies the claim against what is insured if the premiums are up to date and the contract has not expired. And does not expect a return of premium dollars if no claims are filed by the policy holder. For instance, auto insurance will satisfy claims against the insured in the event of an accident. Whether or not these events will occur is uncertain and if the policy holder discontinues coverage because he has sold the car, the insurer will not refund the premium.Term life is good alternative to whole life. It provides very similar form of coverage like universal or whole life. It also provides several unique benefits that otherwise you may not find in other form or types of getting insured. So term life insurance is a good choice if your needs are temporary and just starting out.
Cheap and Affordable Term Life Insurance
Online Training Courses For Employers and Employees
Online learning or Electronic learning (e-Learning or eLearning) is a type of Technology supported education (TSL). The general idea is that rather than a tutor the student learns by using instruction through computer technology.In some instances, no face- to- face interaction takes place at all. E-learning is used interchangeably in a wide variety of contexts. In companies, it refers to the strategies that use the company network to deliver training courses to employees. In many cases the company might have several required courses and also several voluntary courses. The application which trains and tests the employee might be placed on the companies LAN or it might in fact be supplied by a third party vendor from their website.In the United States, it is defined as a planned teaching/learning experience that uses a wide spectrum of technologies. Again e-learning’s main avenue is via the Internet or more specifically the world wide web.Lately e-learning has been used to very great effect delivering courses or programs of study where the students rarely, if ever, attend face-to-face classes. Many colleges have rolled out extensive online learning applications to widen their appeal to users worldwide.The worldwide e-learning industry is estimated to be worth over thirty-eight (38) billion euro. Although in the European Union only about 20% of e-learning products are produced within the common market. Developments in internet and multimedia technologies are the basic enabler of e-learning, with content. The vast majority of courses are concentrated in the IT, Programming and computer skills areas. E-Learning is a catch-all term that covers a wide range of instructional material that can be delivered on a CD-ROM or DVD, over a local area network (LAN), or on the Internet. However most internet users would probably expect that whatever medium they use the application serving the course would be backed up by online updates and testing.By 2006, nearly 3.5 million students participated in on-line learning. This only counts those in accredited third level education in the United States. This has now been taken up to a very great degree by employers in the first world and developing nations such as India where in many cases there is a statutory obligation for employers to train their staff in several areas. These course might be ‘health and safety training based’ or they could also be ‘rights and responsibilities’ based. Governments tend to increasingly place the burden of training on the employer who must then supply training to employees. In this context e-learning has been a very great time and money saver from an employers perspective. Large employers specifically can see a return on their investment through the employers login to their training center. They can train, set up, schedule and award certification to employees without even leaving their seat.Many higher education institutions, now offer on-line classes. However the ‘for profit’ institutions have been able to adopt the technology more quickly than state universities and public education systems.E-learning is naturally suited to distance learning and flexible learning, So another benefit of e-learning to employers is that the employee might log in at home and continue learning on time which the employers is not paying for. Tests carried out in the UK suggest this to be the case. If incentives are offered almost all employees with internet access at home opted for online as opposed to traditional training.e-Learning can also refer to educational web sites such as those offering learning scenarios, worksheets and interactive exercises for children. The term is also used extensively in the business sector where it generally refers to cost-effective online training. Companies such as Thirdforce which are one of the market leaders in B2B online training can handle many tens of thousands of students. This makes Thirdforce and companies like it one of the largest online training and teaching establishments in the world.
Undergraduate Program: International Business Program
International Business Program is designed for students interested in a career in an international environment. The program (Undergraduate Program: International Business Program) meets the need for business men and women who are able to work in an international business life and contains general as well as specialized courses, all given in English. You will meet students from different parts of the world during the program (Undergraduate Program: International Business Program) which gives you an excellent basis for understanding other cultures. If you take the chance to go abroad, on a university exchange and/or an international internship, you will have experience from studying and working in an international environment. This provides you with valuable experience when applying for future work.
Career opportunities After studying on the International Business Program you will have the competence and qualifications to work with international business related tasks in companies, organizations or in the public sector. The internship program offers you a unique opportunity to work abroad where you will have the chance to practice and develop your skills in marketing, management or finance. The program (Undergraduate Program: International Business Program) gives you eligibility for advanced and post-graduate studies in business administration.
Program Outline
All courses are studied one at a time with an examination at the end of each module. Normally each course module is 5 weeks.
Courses in the first five semesters and part of the sixth semester are obligatory.
• Business International Administration A (International Business Environment, marketing, organization and management of the firm, management accounting)
• Statistics (Introduction into statistical quality control and statistical decision theory) and Economic History (about the evolution of economic phenomena in historical perspective)
• Economics (how to manage limited resources)
• Business International administration B (Financial accounting B, entrepreneurial and enterprise and enterprise resource planning systems, Research methodology in Business Administration, foundations of Finance.
• Business Administration C and electives (In this semester, you will study 15 credits at C level where you choose between marketing and finance, and 15 credits (elective courses) in any subject as long as you fulfill the requirements and there are seats available on that course. You are guaranteed a seat on all courses in the following institutions: Business Administration, Economics, statistics, Law and economic history. You may also apply for other courses with in languages, behavioral sciences and informatics. You may also go for exchange studies abroad in this semester.
• Jurisprudential survey course (Introduction to Swedish Law and Basic EU Law) and 15 credits elective courses (students have an opportunity to go for internship abroad ( optional) but which we highly recommend or choose to study 15 credits electives( same conditions as in semester 5)
In the seventh semester, you will choose a specialization between the unique courses for each emphasis in Business administration. (Marketing, Management,Business Development and Internationalization).
Semester 8: Degree project. The degree project should have the same emphasis as your area of specialization (to be written with another student).
Assistance in oral and written presentation in English will be given parallel with courses in semester 1 and 4.
Career Opportunities
Students that complete this program use their qualification to work in companies, organizations and authorities with an international emphasis. The program (Undergraduate Program: Business International Program) also prepares the student for an international work environment.