Learn More About Life Insurance Fraud

Life insurance fraud refers to illegal acts committed by those buying or selling life insurance policies. In-vestopedia defines five different types of buyer life insurance fraud, from accidental suicides to falsifying medical records. Find out more and learn about two of the more famous cases of life insurance fraud.

Types of life insurance buyer fraud

Post-dated life insurance: a policy that is purchased after the death of the insured person but appears to have been issued before their death.

False medical history:Withholding information about existing medical conditions, whether or not you smoke etc constitutes one of the most common types of fraud. Coming clean with your provider might mean that your premiums are more expensive but this cannot outweigh the risk of reduced or rejected claims. It is not uncommon for unscrupulous doctors to falsify medical records on behalf of buyers.

Murder for proceeds: In this instance the insured person (spouse, business partner etc) is murdered for their life insurance cover or a policy is taken out in somebodys name without their knowledge and they are subsequently murdered for the life cover payout.

Lack of insurable interest: Insurable interest stipulates that in order to buy a life insurance policy in somebodys name you have to be able to prove that that persons death would cause you financial distress.

Suicidal accidents: This occurs when a person commits suicide but tries to make it look like an accident in order to ensure that their family can claim their life insurance cover.

Faking death or disability:It is not unheard of for someone to fake either death or disability to claim insur-ance payouts for themselves or their families. People have also created fake identities which have been killed or died with the family claiming life insurance payouts.

Famous cases of life insurance fraud
John Darwin, a British teacher and prison officer died in a canoeing accident in 2002 but was discovered alive and well and arrested five years later. His wife, who had claimed his life insurance payout, said he had been secretly living in their house and the house next door. Both were sentenced to over six years in prison.

In 2008 Helen Golay and Olga Rutterschmidt were convicted of the murders of two homeless men, Paul Vados in 1999 and Kenneth McDavid in 2005. Both murders were staged as hit and run accidents. Multimillion dollar life insurance policies had been taken out on the men by Golay and Rutterschmidt.

Find Experienced DUI Atlanta Lawyer at a Registered Criminal Law Firm

If you or any of your relative has been accused of any crime, then you need to speak experienced and skilled lawyers including experienced DUI Atlanta lawyers. It is a fact that after finding involved in any case or your name is found in any criminal case, then your future becomes uncertain. Things become critical when you are placed under arrest. Moreover, failure to act in the best interest could result in disastrous consequences for your finances, your family and even your freedom as well. Some of the criminal and other cases include DUI, license suspension, drum crimes, theft and shoplifting, federal crimes, juvenile crimes, sex crimes, misdemeanors, probation violations, firearms and gun offenses, domestic violence and white-collar crimes.

As far as juvenile crimes are concerned, they can convert the entire life your children. Therefore, it is important to seek immediate solution for them from a reputed law firm. Calling experienced lawyers and attorneys is the first and foremost need, if you or any of your friend, relative, family member or colleague is charged against any case. Leading law firms not only provide you legal advice and assistance, but also provide you some added services. They take your needs to seal or remove your criminal records very seriously. They understand the impact of record, even when not convicted. Apart from this, they also make on your professional and personal life. However, before hiring the right professionals, it is also important to keep some essential points in mind. You should ensure that the professional lawyers are from a registered and reputed Atlanta law firm.

Find the Right Atlanta Criminal Law Firm to Get the Right Solution in Criminal Matters

Among a number of acclaimed law firms in the United States of America, the name of Rayasam Law Firm P.C. comes on the top. Having been on the forefront for last many years, the leading Atlanta criminal law firm is all set to exclusively help clients handle criminal legal matters successfully. Lawyers at this leading firm work with the same approach to each case along with focus on specific strengths and challenges of particular case and craft a detailed plan for resolutions. There are a number of added benefits of reaching at this acclaimed site. Find a reputed and registered Atlanta Law firm from where you can hire experienced DUI Atlanta lawyers. The Rayasam Law Firm PC is also one such reputed law firms in Atlanta Georgia.

Importance Of Product Liability Insurance In Businesses

Product liability insurance covers businesses from claims against injury, illness, or a loss caused by use of their products. In the realm of product liability insurance, product is defined as tangible goods which are sold or given away. A product supplier or manufacturer is duly responsible for any damage that his product might cause to a consumer.

If a product causes damages or injuries, the consumer can bring a claim against the supplier. It does not really matter whether he is the manufacturer or not. For instance, if you have an eatery and the food served leads to the death of more than fifty people, the product liability claim will be huge. As much as the conventional logic holds the manufacturer responsible for a defect, it’s quite hard to prove it.

The risk magnitude, claim and premium are ascertained through various ways such as the customers purchasing the product, how it was used, and warning labels that the product has. The product liability cover guards a company against any unanticipated circumstances that may cause damages or injuries to the product users. In case a person manufactures inferior items, there is no insurance cover that can protect him. For a manufacturer, the cover is massively important; just a small defect could make a firm be a target for big claims.

Manufacturers should look for product liability packages that cover all manufacturing quality, indemnity costs, safety claims and others. They can also lower the premium costs by taking some measures in advance. These measures must however be disclosed to the insurance company.

Product liability insurance is there for the wider benefit of the business. There are occasions when a general liability insurance policy includes product liability although a business sometimes has to get a specific product liability cover. This type of insurance is so critical because the business of providing products to a customer is very risky, more so if the product can become defective and cause injuries or property damages. Whether a business is the distribution, manufacturing, retailer, intermediary, refurbishing or any other component of the distribution chain, the risk of product liability claims is quite high.

Rather than face lawsuits, legal claims or any other legal expenses, which can really devastate a company and make it run out of business, firms are encouraged to take product liability insurance. This is an aid against any consumer debacles that may arise on the legal front.

All About Property Investment in Canada

Canada is the best place for property investment. Many foreign investors are interested in buying property in Canada. As real estate investment in Canada offers some value. There are many advantages of buying the investment property in Canada. Although Canada is less expensive place to live and the standard of living is high.

How Canada come up as a Hot Investment Destination?

One thing that makes Canada a unique place is a beautiful landscape that has left with a large unspoilt and undeveloped locations of Canada. The mixture of modernism with the rustic charm of natural features and attractions is what defines Canada.

The near by cities of US-Canadian border have much developed to be in count of modern twenty-first century cities. Canada has enjoyed the pleasure of getting the maximum status in the worlds top most livable cities. This is because of the huge development in the country. Focus on development of Canadian cities is the major factor of becoming it as the hottest property investment destination of the world.

Why most of the people prefer property investment in Canada ?

Property agents, foreign investors and Canadian citizens are interested in buying the property in Canada, as Canada becomes the most desirable place to live. So the property investment in Canada is also becoming the most attractive prospect. Moreover, the property in Canada has good value because of the increasing demand day by day and as a reaction of which the value of property will also go on rising day by day. The most beneficial part of purchasing property in Canada is that the land is less expensive and the cost of living is lower but the standard of living is high.

Following are the ways to find the investment property in Canada:

-Talk to people. Let them know that you are looking for property and sometimes the property will come to you through them. There are lots of people who havent listed their property but want to sell.
-Online searching. Use internet for searching. Open any browser, enter the type of property, along with the city name where you want to invest in.
-Pay attention to different sign boards like “For Sale by Owner”. Owners often do this to get direct buyers without spending much on ads.
-Search abandoned properties. This type of property, owner might sell cheap.
-Contact to some good property agents. They will charge you but you will get your desirable property.
-Old FSBO ads. Find one/two months old “For sale By Owner” ads, Call them and if they have not sold their property yet then they may be ready to deal. Sometimes owners give up the effort, but still interested to sell.
-Put an ad in the newspaper might help you to generate few calls.
-Talk to bankers might help you to get cheaper property if they have not yet listed it to some real estate agent.

Bulk SMS Tool Enterprise is fast Bulk SMS sender Tool

Reach of Mobile telephony is vast and this is not due to its wide network but simply because it can be carried by the users wherever they go. This is the only advantage mobile phones have over landline phones. But this single difference creates an unsurpassable gulf between mobile and landline telephony. Land line phones makes a person unreachable as soon as he or she gets away from the phone but mobile is always in the pocket of the user ensuring round the clock reach ability. No wonder it has become single most important cog in business communication. Another benefit of Mobiles is SMS (Short Message Service). SMS is most probably fastest and easiest way to pass information. So, Bulk SMS tools have become very important for organizations interested in selling products through SMSs. We have come up with one such effective tool, Bulk SMS Tool Enterprise. This unique Bulk SMS software for PC and Laptop allows the user to connect unlimited mobiles to PC or Laptop through Bluetooth or USB to send Bulk SMSs to unlimited mobile numbers simultaneously. The tool boasts of highly advanced features. It automatically detects all connected mobile phones and user simply needs to select the phone from which Bulk SMSs need to be sent and send SMSs to intended recipients. The user has been provided with the option to import numbers from excel sheet. This is necessary to make a Bulk Text Messaging Software effective. User can send SMSs not only to list of numbers but also individual number. Manual selection of numbers is also allowed. Highly useful delayed delivery option has also been provided. Software provides value added features like Personalized message option also. The software provides a log file that contains all data related to Sent or failed messages. The data includes number, messages and date of sending. The tool is compatible with GSM mobiles. This SMS software Tool has different utility for different users. It can be used in offices as a Group SMS Sender tool to send a common SMS to share information about meetings, offs etc. For this user needs to just import numbers from a file containing numbers of all employees and Send Group SMS. This software tool is particularly useful for companies relying on Bulk SMSs to sell their products. One important benefit they get is speed. The tool allows sending thousands of messages at one go. Second and more significant benefit is log file. The software generates a log file containing all data related to messages sent and failed. This can be handy to maintain records and avoid duplicacy.

p>

Ways to Become A Successful Entrepreneur

Managing once business is not easy, you have to be creative and flexible to become success. Its about create ones life as it is about making a living. It takes time, courage and determination to become a successful entrepreneur. There are a lot of ways to become one of the successful entrepreneur, these ways are proven to some people who achieve their goal. Check if you possess one of them:

Discipline yourself. Adam smith once said, Do what you should do, when you should do it, whether you like it or not. Self discipline is the most important traits to success. You have to be strong in every step that you and this will lead you into some kind of satisfaction.

Have Faith. If you do it very easy, then youre not doing it right. If you do it hard, then you are doing right. Some entrepreneurs suffered failure and defeats, even bankruptcy, yet eagerly stand up to make it big in their fields. If you have faith, nothing can stop you. You must learn to pick yourself up to start all over again. You have to learn some experience that can teach you a lesson which wakes you up from a suffering.

Work Hard. As many success people do, they actually work harder and harder. No one achieves goal just by simply waiting for a chance and sitting in the chair thinking every single day. Working hard will be easy if you have a mission and vision in your life. Erase all temptations that could distract you determination to become success.

Focus on your strength. Each of us has strengths and weaknesses. To be more effective, you have to know your strength and concentrate on it. You will become more successful if you are able to connect your efforts to areas that you do best.

Eagerness to learn. You dont have to be a degree holder or a PhD graduate to succeed in your own business. In fact, there are a lot of entrepreneurs are degree holders. Some didnt finish college. These people reached their full potential achieved their financial and personal goals in business because they are willing to learn. To be successful, you must be willing to ask questions, this will help you to gain more knowledge to some experts. You must be interested to every detail, because that would serve as the new knowledge to reach and fulfill your goal. Willingness to learn is one of the most important in doing business.

What Motivates the Typical Online Entrepreneur

The typical online entrepreneur is a different species insofar as they generally work alone and within an industry that can be very stressful and demanding. Being your own boss is great however many are prone to second thoughts about this when they find that everything’ is their responsibility! Without physical, or often times, moral support, people working online have to reach deep within themselves for the strength or motivation to get the job done. Obviously those who succeed on the internet have mastered the ‘art form’ of learning how to motivate themselves! Learning how to get motivated however always has its roots in a very strong reason as to ‘why’ it is people are working online! It is the ‘why’ of every entrepreneur that ultimately keeps them moving forward!

Here are the 3 biggest ‘whys’ entrepreneurs use when learning how to motivate themselves in order to maintain the drive necessary to succeed on the internet.

Money

Always a big motivator, money is one of the most ‘popular’ reasons people market on the internet. Whether it is for need or perhaps to expand an already existent ‘offline’ business earning or increasing an income is a powerful and popular force for people to be working online.

Passion

Some people have taken advantage of the easy to use and inexpensive internet platform to pursue a personal passion. Whether it is a cause, hobby or perhaps a business idea, if it is fueled by passion there is little doubt that these people will lack motivation.

Lifestyle

Most internet businesses involve working online from home or actually anywhere one may choose and this is a very attractive option. In addition, the potential for earning a significant income is very real due to the access you have to a global audience, on a 24/7 basis no less! A lifestyle like this is hard to ignore and even harder to not strongly desire! Even working longer hours is not an issue since you can pick and choose where and when you work!

As we have spoken about here today the typical online entrepreneur must absolutely posses some strong motivations in order to be successful working online. Due to the ‘isolated’ nature of internet marketing, individuals must learn how to get motivated and stay that way without the help or support of others. For this reason their motivations need to be strong and lasting and 3 of the most common motivations people have for working online are reviewed above. As you can see any of these 3 factors that drive people to succeed on the internet are very strong. It is an absolute must however that the individual has the great ‘desire’ or ‘need’ first or they will not be able to sustain their efforts and achieve success.

Green Investment Trends

If finance experts are to be believed, green investment is still worth despite the global economic blues. Sustainable investment options are set to become more attractive in the long run with the incorporation of the eco-stimulus. Currently, green stocks are showing stable returns on investments and investors who care about how and where their money is being used are opting for the “go green” option.

Investment can be a great way of making money if done in a logical and systematic manner. In the last few years, significant changes have been visible in the interest of investors across the world. Other than oil and gas, interest has deviated to sources of energy as it causes less harm to the environment and society. Thanks to the increased awareness on sustainable investment opportunities, several companies across the world are realizing the importance to preserve and protect the planet. In the form of a contemporary type of stock investment, green investments are becoming popular for the investors who want to use it as a source of helping the earth and the atmosphere.

There is no significant difference in green investment and stocks and mutual funds. The difference lies in the fact that green investment is made in companies committed to conservation of natural resources. These companies are actively involved in producing sources of alternative energy, clean water and air projects and products and services that bring a significant change to the communities and environment.

As far as sustainable investment is concerned, green based projects are the main concern. Even though this movement includes companies that are into other lines of business, organizations that have modified their operations for running environment-conscious business can also be included in it. For the next several decades, green building, recycling and water will be the strongest growth points. Earlier this year when the market was up for 21% in March, market for green stocks rose to 30%. As part of the American Recovery & Reinvestment Act of 2009, approximately 14% is comprised of clean energy and efficiency.

What Type Of Entrepreneur Business Opportunity Should You Choose

Choosing an entrepreneur business opportunity is actually a lot harder than it used to be. There are a lot of scams out there, and sometimes you just never know what you are getting yourself into. But by taking care and learning to identify scams, you can avoid making mistakes and having your money stolen.

The good news is that if you do choose the right entrepreneur business opportunity, you could end up making quite a lot of money. For people who are looking to make a little extra money to supplement their full-time income or even to replace it altogether, you will find that there are many options to choose from.

One of the most popular opportunities right now has to do with selling online travel memberships. These memberships provide extremely good travel discounts for people who buy them, and for you, they can provide a very nice income. In addition, if you sign up for the discount program, you will make even more. By saving money on flights, cruises, and high-end resorts, you are actually adding to your income.

An entrepreneur business opportunity should be fun and enjoyable for you, not to mention provide you with some other benefit rather than just an income, and that is what makes a travel membership business the ideal business for many people. You can learn about travel, get discounts on it, and encourage other people (both online and offline) to sign up and get more travel for less money.

As long as you do your research and choose a legitimate business that has a proven track record of paying on time and providing good service to its affiliates, then you will be in a great position to make a good income and be able to create a business that you can one day hand down to your children.

Is Whole Life Insurance Investment a Worthy Investment

A whole life insurance investment is a relatively simple concept. You will be presented with a product that has a set premium and you will be paid the agreed upon amount of the death benefit at the end of the policy holders life. You will also have an investment component included in the policy. All money you contribute over and above the premium will be placed into a cash value account which is then invested on your behalf by the insurer.

Apart from providing you with cash value account and a guaranteed death benefit to leave to your heirs a whole life investment has some other features as well. You have the option to borrow against the cash value your policy or fully withdraw an amount if you have an emergency need for the funds available during the life of the policy.

The theory behind a whole life policy is that it will pay out set death benefit and a cash value to your beneficiaries all while you are guaranteed a set, unchanging premium for the life of the policy. It does more than this, though, when you consider the fact that all the money is tax free and/or tax deferred.

Because of this tax free feature you will have the ability to make a portfolio that can achieve a number of goals that you otherwise may not be able to. You can actually use the whole life policy to secure a smooth succession in the case of a family owned business or to protect your other assets.

You may be met with derision about your interest in a whole life insurance investment by detractors who say that it isnt a real investment because it isnt run like ones stocks, bonds, and mutual funds. While it may not grow that fast, it has the potential to a much safer long term investment since it is done in a safer manner that is designed to ensure your money keeps growing despite market ups and downs.

A whole life insurance investment policy is generally seen as a “savings asset” as opposed to an “investment asset” because your money is saved and grown in a much less aggressive fashion than regular stocks and bonds. With a whole life insurance policy your additional money will be placed into a savings account where it will accrue interest. You dont have to invest the money within this savings account, but you can do so if you wish to. The savings account on its own, though, will become a huge asset over time.