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Loan and mortgage protection insurance is designed to help you, and your family keep up-to-date with your loan repayments, when life events happen unexpectedly and regardless of mitigating circumstances. Put simply, mortgages or loans are often long-term commitments, so it makes sense to protect them.

Do You Think About the Unexpected?

There are a number of reasons why even the most responsible money managers may get into financial difficulty. Any of the following reasons can strike at any time and will leave you struggling to make your loan repayments:

>> Change in health – due to sickness, injury or disease

>> Loss of income – due to involuntary unemployment, or

>> Death and Terminal illness – when cancer, stroke or heart attack, etc. may occur.

Loan and Mortgage Protection Insurance – The Benefits

There are a number of benefits you can get from having a loan and mortgage protection insurance plan in place, which include:

>> The premiums are fully tax deductible

>> Financial protection (you will save your family the worry of lost income)

>> You will save at tax time (you will get more money back in your tax return, and this means more money in your pocket)

>> You can choose how long you would like to receive cover benefits if you are injured and unable to work

>> Benefit payouts for total and permanent disability

>> A benefit amount (e.g. hospital cash) can be calculated for each night you spend in hospital

>> Associated accident costs can be provided to cover incidental costs (e.g. counseling and rehabilitation).

Common Questions regarding Loan and Mortgage Protection Insurance

Is Lenders Mortgage Insurance (LMI) different to Loan and Mortgage Insurance?

>> LMI – is compulsory and covers the lenders/credit providers if they lend you 80% or more

>> Loan and Mortgage Protection Insurance – covers your mortgage repayments in the event of death, sickness, unemployment or disability

Does the Unemployment Benefit apply if I am Self-Employed?

Yes. You may make a claim if:

>> You have worked in your business (for an average of 20 hours per week) for 180 days immediately prior to becoming unemployed, or

>> Your business has permanently ceased trading

What Happens to my Policy if my Unemployment Claim is Successful?

Your cover continues for death or terminal illness after making a successful unemployment claim, and your premium and benefits will remain the same.

Who will be the beneficiaries?

>> For a single life policy, the benefit will be paid to the policy owner or their estate, and

>> For a joint policy, the benefit payments are made to the policy owners jointly or to the surviving policy owner in the case of the death benefit

What happens if I need to make a claim and I have other insurance policies?

Upon acceptance of your claim, the loan or mortgage protection policy will payout a lump sum benefit directly to you or your estate and this will be in addition to any other payments you may receive from other insurance policies.

What if I am a Smoker now, will my Premium Change if I Stop Smoking?

>> Yes. Your premium can be changed to a non-smoker rate if you stop smoking for 12 consecutive months, and

>> You will need to make a declaration that you have not smoked any substance during this period

So, now that you are familiar with how “Loan and Mortgage Protection Insurance” can protect you and your family against any of life’s unexpected events, contact an insurance broker. He/she will understand your situation and suggest the best possible insurance policy for yourself.

Singh Finance is the perfect solution for your finance and insurance needs. The firm will help you in getting low rate home loan packages. It will also make sure that you get the best loan and mortgage protection insurance policy. Contact Singh Finance and get ready to make your life less stressful.

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Acidity is very common, we all deal with it. In fact, for some of us, gastrointestinal problems have become so common that they have learned to avoid certain foods causing the problem. But, don’t avoid the problems of hyperacidity and bloating, it can be dangerous in the long run. Rather than suffering in silence try herbal supplements to relieve hyperacidity. You will be able to enjoy your favorite food once again.

You have tried almost everything to get rid of bloating but nothing works. Don’t get sad, ditch all the treatments and try the all-natural Herbozyme capsules, the best herbal dietary supplement. All kinds of digestive conditions including hyperacidity and bloating can be treated with these pills and that too without any side effects.

How to spot digestive conditions?

Here is a list of prevalent digestive conditions and some symptoms to help you spot the problem. Take a look:

1. If you are feeling chest pain then it’s clear that the acid is backing up into the esophagus, which is also known as acid reflux and heartburn.

2. Another crucial problem of the digestive system is gallstones. You can spot it if you feel excruciating pain due to the hard deposits formed in the gallbladder.

3. Increased discomfort and the irritable digestive system indicate that you are suffering from irritable bowel syndrome.

4. Chronic constipation or diarrhea are some common problems that cause another digestive system disorder, known as hemorrhoids, which is described as a painful and itchy condition caused at the end of the digestive tract.

All the above mentioned problems will be gone in just few days, if you try Herbozyme capsules. These pills are the best herbal supplements to relieve hyperacidity and can be used by people at any stage in their life to overcome the above mentioned issues.

Get rid of bloating with Herbozyme capsules:

Herbozyme capsules are a surefire solution to the problems of acidity and bloating. With a regular dosage of this herbal supplement you will get substantial relief from the reoccurrence of varied digestive problems.

The powerful ingredients in these pills are Hing, Pudina, Ajwain and Madhur Kshar. All these carefully selected herbs known as enzyme stimulating ingredients that increase enzymatic activities.

Demanded widely as the best herbal supplements to relieve hyperacidity, Herbozyme capsules contain beneficial properties that provide varied benefits including:

1. Improvement in hunger
2. Protection of internal digestive organs
3. Establishment of healthy eating patterns
4. Treatment of toxins presence
5. Suppressed formation of gas and acid
6. Regular excretion of waste matter.

All kinds of burning, pain, and discomfort can be treated with these pills. All you need to do is, take these capsules for at least 3 to 4 months and get back the assurance of health and well-being.

Advantages of herbal supplements to relieve hyperacidity:

Hyperacidity and bloating have become so common that people who are suffering from digestive problems tend to treat the problems with varied at home treatments. There is no need to experiment with your body, simply take Herbozyme capsules to get rid of bloating and other digestive problems.

Take these pills twice a day, because the formula is free from side effects and beneficial for both men and women.

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It is a complicated task to make the kids have their daily breakfast. It is a known fact that breakfast forms the most important part of the daily diet. It is the most vital part of the day when the body requires sugar and energy. The body is low on energy and requires glucose in the morning. Most of the energy is utilized in the night for assimilating the food in the body. It is easy to include simple breakfast ideas for kids to have a great start for the day.

There are simple ways to get your kids to eat breakfast. This includes introducing colors in the breakfast; kids are attracted to vibrant colors. The food plate should be filled with yellow sunny side up eggs with toasted multigrain bread and cherry sauce. Orange slices should be cut with pineapple cubes. This will encourage them to finish the food. It is perfect breakfast idea to make them finish the meal for great nutrients.

It can be difficult to focus on the idea of breakfast for good. It is useful to pack bags of dry cereal to snack on for the kids. This will ensure that they can munch on to healthy foods when they are hungry later in the morning. It is considered easy ways to get your kids to eat breakfast.

It is healthy to include protein-rich food. This will help to feel them full without feeling stuffed. This includes eggs, cheese, peanut butter, yogurt, non-fat milk, cottage cheese, beans, lean sliced deli meats etc., the diet that contains whole-grain carbohydrate is also a good idea. It is the preferred carbohydrates as it is a source of energy. Whole-grain cereals can be hot or cold with at least 3 grams of fiber per serving, whole-wheat crackers, whole-grain waffles as sweet and healthy option, a whole-wheat tortilla or whole grain bread work. This can be topped with cherry sauce or favorite fruits dressing too. It will add flavor to the recipe as easy ways to get your kids to eat breakfast.

Trail Mix can be prepared by mixing whole-grain cereal, shelled pistachios, favorite dried fruit. This should be mixed with a glass of low-fat or fat-free milk. It is useful option and easy ways to get your kids eat breakfast.

The idea of banana dog can be healthy which can be made by spreading a couple of tablespoons of peanut or almond butter on a whole-wheat hot dog bun. A banana can be peeled and placed inside the bun. It has great source of energy and it is ideal as easy ways to get your kids to eat breakfast.

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