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Založený: 21.09.2019
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Equality is something what the gender movements are after. Waves after waves of feminism clamor for equality regarding gender and the rights that comes with it. Women struggle had gone successful since then. Even now
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, there are realms where they triumph over men - like in the insurance business.
Car insurance companies prefer women over men. It is because they found women to be safer drivers in general. Hence, if a driver is safer, they would not end up paying for accidents all the time and they can devout their resources to the expansion of the business and to answering to the real accident scenarios. After all, the risks are lower because statistically speaking; there are more male drivers than female.
So why do they consider women to be safer drivers? Below are the few things that they claim.
Women maintain consistent speeds while driving. One common cause of vehicle collisions is that a car tries to break speed limits while on the road. Drivers either wants to overtake because the vehicle in front is at snail's pace or they want to get to their destinations faster or they just want to beat the red light. Whatever the reason is
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, not maintaining a consistent pace can have unintended consequences on the road. If you look at the trends of accidents, you will find more male drivers than female citing impatience or the above said reasons for speeding and overtaking. Of course, for insurance companies, whenever one of our folks did something bad the whole team was compromised.
Lesser DUI frequencies. Again
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, looking at trends in car accidents more specifically at DUI cases resulting to vehicle collisions, women fared better than men. It is either they don't get caught that often or they are really more obedient drivers. Whatever the reason is, it became a plus point for them in the eyes of insurance companies. As statistics would show, there are more cases of DUI accidents in males than females. And most of the time
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, at least for college students, when a boyfriend is out cold and too drunk to drive, the girlfriend takes the wheels.
More observant of street signs. While on the road, statistics would also show that women are observant of details such as the road signs. In mountainous areas or roads beside cliffs
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, the common cause of accidents is that the driver failed to see a sign saying that there is a sharp curve ahead so they end up driving right into the cliff. And it seems that there are more male drivers involved in such accidents than females - another plus point for their team.
Now, whether those things are true or just a statistical glitch, women get the best deals in car insurance. So if you happen to be a woman or you know somebody looking for a car insurance, take extra time to look for the best deals. It is true that most car insurance companies offer cheaper premiums however there is still a less expensive deal among those offers.
Looking at the very high cost of care nowadays
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, you have to admit that there is no other product that is as reliable as a long term care insurance policy. Apart from long term care (LTC) coverage and asset protection, the tax advantages of long term care insurance (LTCI) should be looked into.
Of course, before the tax benefits that you can enjoy you have to study fist the policy which you intend to buy. It has to naturally match the cost of care in your area otherwise your hard earned money could go to waste as you may never get to use the policy.
When studying a potential LTCI policy you have to give equal attention to the amount of your maximum daily benefit and the benefit triggers. So many stories have been told of unpaid claims and it’s usually the insurance company that lands in hot water when in fact, it’s the policyholder who had failed to read and understand the fine print of her LTCI policy.
That fine print usually contains provisions on one’s health that will qualify him or her for LTC.
For example
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, a specific LTCI stipulates that the insured will qualify for LTC once she can no longer perform two or more of the six activities of daily living (ADL) without assistance. These ADLs would be eating, bathing, dressing, toileting
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, continence, and transferring.
So, when the insured woke up one morning and realized that she has completely lost her ability to hear she rushed to her insurer to make a claim. Unfortunately, the insurer told her that she does not qualify for her policy’s benefits because deafness does not fall under the list of her benefit triggers.
It has to be understood that most LTCI policies concentrate on the ability or capacity of a person to live as normal as possible. In the sample scenario above
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, deafness did not hinder the insured individual from performing the basic ADLs and thus she does not need LTC.
Tax Advantages of Long Term Care Insurance
Before an insured individual can be eligible for his policy’s benefits, he should require 90 days of assistance in at least two ADLs resulting from physical disability, chronic illness, or cognitive impairment. This must be certified by a licensed caregiver or nurse.
Once the insured has qualified for his insurance benefits these will start rolling once he has satisfied the elimination period stated on his policy. This is the length of time that he will be paying for all of his expenses on care from out-of-pocket.
This is the reason LTCI is not encouraged to everybody. You will need a strong nest egg to satisfy the waiting period of your policy because if you fail you will not qualify you for your benefits.
Despite being expensive LTCI offers federal tax advantages.
Tax qualified policies entitle the policyholders to deduct a portion of their annual premiums
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, which is considered as medical expenses, from their income tax. One’s age at the end of the taxable year will determine the amount of his premium that shall be consi.
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