Types and individual life insurance policies

Mixed insurance on the life of one person with participation in profits

The insurance company undertakes to pay the amount of insurance to the beneficiary specified in the contract in case of death of the insured during the term of the contract, or at the end of the contract period if under the insured alive, plus profits earned in both cases.

Mixed insurance on the lives of two people with the participation in the profits.

In this type of documents include coverage of two people bound together by family ties or business relationships, where the insurance company undertakes to pay the amount of insurance at the end of the insurance period date if under the two people insured their lives alive, either in the case of the death of one of them before the end of the insurance period, the company acted immediately the amount of insurance to the other person insured on his life and surviving plus earnings up to the date of death.

Temporary insurance premiums with the response in the case of life

This type of insurance, such as the type of "insurance temporary" but differs in that in the case of the insured to survive until the end of the insurance period, the company shall refund all premiums by the insured its performance during the period of insurance

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insurance

Insurance definition of life:

Defines insurance as a social system to reduce the risk show him the individual by grouping like-hazards and the distribution of the financial burden on earned on all of the participants have these meanings noble human manifested itself most clearly in the first shapes that are on the basis of which engage in the insurance business, such as associations of burial when the ancient Egyptians and the system securing convoys on my journey of winter and summer when the Arabs.

The emergence of life insurance and its development:

Aattabraltoman on the life of the oldest types of insurance such as insurance Maritime, which is the oldest types of insurance since he was believed on the lives of the ship's captain in the same insurance policy on the ship.

He was known for hundreds of years in some of the country's ancient civilization such as Egypt, China and India that some groups cooperate among themselves to ease what is under its family of need and deprivation upon the death of breadwinners and by providing subsidies and financial aid to members of the bereaved family, but this aid was mostly not enough to compensate financially the family for the loss of a breadwinner as well as where the prejudice to human dignity, therefore turned thinking afterwards to look for a better way to compensate the family for the loss of a breadwinner, and here the idea arose insurance head of the family at death and the first document of the life insurance issued by individuals in London in 1582 on someone's life for another person in the event of his death during the period of 12 months.

In the year 1693 the development of a sports scientists schedule of life Mortality Table This table was used in 1755 in a free secure insurance for life on the basis of the age of the insured at the start of the insurance premiums, and so the latest major development in the life insurance industry.

Insurance was not known in the Arab countries, but late last century and early this century.

Cooperation and life insurance:

The insurance system mainly based on the principles of cooperation and interdependence and solidarity between the individuals involved in the system, which calls for not leaving the individual bad luck that risk come true for him Ana alone under the burden of the loss, but does everyone to contribute to the unsustainable and therefore achieves insurance system a great benefit not only to subscribers but it extends to the whole of society.

Insurance and cares of life cover those types of hazards to the same person, such as death and disability kidney sustained and retirement, which entails achieved was due to the work entirely of income and permanent has recently increased the importance of life insurance as an inevitable result of increasing the relative importance of the component work as a major source, if not only for income in addition to the weakness of family ties and lack of benefits of social insurance systems for providing so much of the advantages achieved when these hazards commensurate with the income that was earned by the individual before achieved.

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Vehicle insurance

Insurance is defined compounds is a written contract between two parties, the first named insured (the insurance company usually) and the second insured (vehicle owner), and under this contract insured for reparations and compensation for insured shall abide by all the damage that get to his vehicle as covered by the contract of the damage, as opposed to financial premiums paid by the insured as agreed upon between the two parties (a year _ a month _ half-yearly). Insurance benefits on vehicles: - 1. a sense of protection: that the vehicle insurance provides a sense of protection from loss, believer him and when his commitment to hold a lock on his vehicle, feels that any damage carried out against the third party will be covered and protected under this contract, and thus feel safe and disappears feeling concerned, Qalkiedh in general need to rest and tranquility. That does not mean in any way neglect and causing accidents unnecessarily, there are views that were by the police or insurance companies will investigate the cause of the accident, and 

that turned out to be fabricated,  

there is no compensation for the accident, but there is a penalty on fabricated the incident. 2. protection of the community: This protection is divided into two parts: the "physical protection: insurance is society that protects against financial losses as a result of traffic accidents, it is known that insurance companies are re Accident Insurance with major international companies operating 

      in this area, and charge compensation for the lock it from accidents

.

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Phoenix Virtual University

One of the largest private universities in the United States, the university established in 1989 what it called The University of Phonix Online Campus, in San Francisco, which is a campus on the network, the development on a large scale in recent years as the Internet expands and spread. And provides two levels semesters are: university study in different disciplines and graduate to get diplomas and master's and doctoral degrees, note that the certificates awarded by recognized by the Central Authority for the universities. And require the university to register online proficiency of students of the English language so they can use various Internet services in the study, such as newsgroups and discussion groups, e-mail and video conferencing, and others. The university offers registration forms via e-mail in order to be checked by a special committee according to specific criteria. It currently has students studying undergraduate and postgraduate studies from across America and the world.

This university is one of the largest private universities in America, where there is (40,000 students)

Represents students studying through the Internet at this university 10% of the number of students (approximately 4,000 students) and require the university to accept students, but at least the age of 23 Aamaa (class of society that she died of education), also require that the employees, so in college Tstojr_bdla that buys _bdail temporarily in about 10 US states?

The curriculum focuses on information technology and education, health and longer college leader in providing course material online, university offers (800) separate the valuable (5) diploma programs and (5) Other BA, and a number of faculty members contracted the university with them to work through the Internet the students at the university Alantrentin equivalent (10%) of the total total students (Martin 1999)

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Egypt receives billion dollars of loan «World Bank»

Of the loan it received Egypt, yesterday, a first tranche of $ billion, three billion dollars provided by the «Bank» over three years to support the government's reform program.

It welcomed the Egyptian Minister of International Cooperation Sahar Nasr b «World Bank support the government's program of economic reform transformative», arguing that this process «a key part of the Bank's support for Egypt to benefit from the full potential and capabilities and raising the standard of living of all its citizens levels».

Egypt had reached a tentative agreement with the «International Monetary Fund» last August for a loan of $ 12 billion over three years. However, this requires the agreement of Egypt bilateral funding measure of six billion dollars from other countries.

Loan «World Bank» does not include the $ three billion dollars within six billions of dollars needed for a loan «Monetary Fund», as it does not enter the agreed loan of «African Development Bank» amounting to $ 1.5 billion, which Egypt has already got a slice of it $ 500 million.

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Israeli international gas companies do not attract

Every now and then, Israel announces new discoveries in the field of gas in the presentation of the Mediterranean, especially in the northern region. More recently, announced a high likelihood of the presence of a relatively large gas field is like «Sunrise» Egyptian field not far from Netanya beach. There are those who believe that Israel made political concessions to Turkey in the hope that you can invest in the Israeli gas sector. But the newspaper «New York Times» US recently confirmed that Israel suffers from serious difficulties in the offshore gas sector due to the reluctance of the international energy companies to cooperate with them for fear of a collision with the Arab boycott laws.

Israel's Ministry of Energy has offered a few days ago on foreign exploration companies geological information that there are prospects for another large gas field on the beach away 50 kilometers west of Netanya Beach. He said that the ministry's experts in this field is similar to the geological structure «Sunrise» Egyptian field, which was discovered last year, the company «Eni» Italian combination. Israel has Osmt this reservoir as «Leona», which is located within the exploration labeled «Mira license.» The search proved Sasmologi Old presence of 40 billion cubic meters of gas only acknowledges the precedence of 58 percent. But the exploration of this reservoir failed four years ago, was re-licensing of the state, which he today to invest, but the most important with data. The Israel's offer to grant new exploration licenses in the sea opened the door for the licenses, which was closed four years ago.

In order to facilitate investments, traveled days prior to the overseas delegation from the Israeli Ministry of energy experts to convince international companies to participate in tenders to obtain new licenses to explore for oil and gas in Israel's economic waters, but the Energy Minister Yuval Steinitz and the director general of the ministry Shaul Meridor also traveled to participate in attempts to persuade. It is clear that the recent data on the chances of having a large field based on a poll conducted for the Israeli Ministry of Energy reported that there is great potential for the presence of additional gas reservoirs in the Mediterranean basin by about 2200 billion cubic meters, and acknowledges the precedence of 50 percent.

Israeli energy expert explains that he had already published such data in the past, but many had abused them with suspicion. An estimate that the publication of these data again aims to arouse the interest of the global energy sector Israeli gas fields, especially in this period in which the Israeli economy suffers from crises. Most of the royal Israeli companies have failed to exploration concessions in attracting major companies to drill in its privileges, and this is what led to multiple failures.

Because of this, a major Israel consulting firms advised to hire my company RPS Services and IHS to view these Israeli goods, which has recently been in both London and Singapore, and is expected to be the weight of persuasion moves soon to Texas American to identify companies there are Israeli fields. In attempts that took place in London afternoon interest from two Italian companies, «Edison» and «Eni» ENI and Almtlten on exploration operations in Israel because of their work in Egypt. The effort is aimed in Singapore to persuade Asian companies and Australian interest in Israeli fields.

It is known that Israel deliberately earlier this month to restore the economic waters of Israel was divided into 60 Luca, the 24 of them on the Israeli and foreign companies. The area of ​​each block of the 400 square kilometers and is away from the beach more than seven kilometers.

It is possible according to the newspaper «New York Times» Israel not to attract the investment needed to develop the gas production sector for reasons including able to leading global oil companies that have extensive activities in parts of the Arab world may avoid investing in Israel for fear of the province. He wrote newspaper editor in the field of energy, Stanley Reed, the «attract investors may pose a challenge to Israel. Major oil companies are, by falling incomes have become more discretionary in the selection of projects ready for funding, which operate them in the Arab countries may show wary of investing in Israel ».

The economic analyst Martin Murphy told the newspaper believed that «interested in what will emerge, but it is doubtful if it will come from the major oil companies, along with political considerations».

Also, another factor that may affect the investment in Israel negatively, is the collapse of the price of natural gas in recent years. Reid wrote that «there is a general cooler in this area, on the back of falling gas price by more than 50 percent in Europe in the last four years».

He added that «despite the fact that medium-sized businesses may be willing to invest in Israel, but the cost of more than $ 100 million for any exploration in deep water, have deterred risk

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"OPEC" expects to increase oil production from competitors larger surplus in 2017

It raised the Organization of Petroleum Exporting Countries (OPEC) forecast for oil supply from outside the organization in 2017 with the entry of new fields of production and prove prospecting for US shale oil companies greater flexibility than expected in dealing with crude prices lower, suggesting a large surplus in the market next year.

OPEC said in a monthly report released Monday that the average demand for oil produced by the SCO member states will reach 32.48 million barrels per day in 2017, down from 33.01 million bpd in the previous forecast.

The report said that OPEC itself has kept production close to its highest level in several years in August, where he pumped 33.24 million barrels per day, according to data collected by OPEC from secondary sources decrease of 23 thousand barrels per day from July.

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