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Do Allergies Affect the Life Insurance Process?

Allergies are common health problems that cause the body to react to certain foods, substances, chemicals or even insect bites. Life insurance is quite a personal buy, and your health plays a major role in deciding your premiums. While major health problems and illnesses are investigated thoroughly by underwriters, what about allergies? Will they affect your premiums? Let’s find out.

How severe is your allergic reaction?

Your premiums are usually not drastically affected by an allergy. Underwriters look at what the allergy is, and how severe the reaction is. If your allergy causes a minor reaction such as a bout of sneezing or a rash, it is generally ignored. However, if it causes a life-threatening reaction like Anaphylaxis your premiums are sure to be higher.

Should you divulge all your allergies to the life insurance company?

Many life insurance companies don’t ask questions about allergies, except in the case of serious allergies like asthma. However, even if you are not asked directly, you should be upfront and reveal the medications you have taken for allergic treatments especially if an allergy has caused you to seek emergency care, or use epi-pen (epinephrine).

If you end up dying from an allergic reaction, and if your medical records show that you have had the same allergy reactions even before you bought your life insurance policy, the life insurance company can deny the death benefit to your family.

The wise thing to do is to divulge all your allergic reactions. The underwriters only scrutinize the ones with severe reactions that require emergency treatment. It is likely that mild allergic reactions will be totally ignored during the underwriting process. Unless an allergy is life threatening it won’t cause a significant increase in your premiums.

Qualify for cheaper premiums in spite of serious allergies

The underwriting process differs for different life insurance carriers. While some companies may charge higher premiums for those with certain allergies or allergic reactions, there are companies out there that may look more favorably on your case. It is difficult to identify these companies on your own, or even through a broker because underwriting guidelines change every few months.

Online life insurance agencies are perhaps the only way to get in touch with such companies. Why? Because they have hundreds of life insurance companies on their database, and changes in these companies’ guidelines are reflected in real-time, in the quotes they give you. When you access a life insurance agency websites, you are asked to divulge some information about yourself. Try to answer the questions about your allergies as honestly as possible, because the quotes are customized to your answers.

That’s not all. You will also be provided with comparison charts for the quotes you receive and complete financial information on the life insurance companies that are associated with those quotes, so that you can make a well-informed decision.

Life insurance is meant to protect your loved ones

Admitting that you have a certain allergy can affect your life insurance rate, but chances are the increase won’t be very significant. On the other hand, not divulging allergy-related information can cause your loved ones to suffer in the unfortunate event that you died from an allergy.

Don’t be afraid of buying a permanent or term life insurance policy if you have allergies. Even if you are paying slightly higher premiums because you have a life-threatening allergy, some insurance is better than none at all. It is your loved ones who matter the most, and this is the right way to protect them.

About Author

About AccuQuote:
AccuQuote is a leader in providing term life quotes to people across the United States. In 1986 it began operating with a single goal: to make the process of buying term life insurance as easy as possible for its customers.

Beauty Therapy Recruitment Process

The recruitment process for work in beauty therapy will usually follow a fairly standard procedure. The first contact that you will have with a spa, salon or other employer will be through your CV and covering letter of application. It is vital, therefore, to make sure that you take this opportunity to ‘sell’ yourself, and your own particular skills, to whoever is to review your application.

If you have any previous experience in the beauty industry, then it is, of course, vital to highlight this from the outset: if you can demonstrate that you have successfully acquitted yourself in a similar position before, your potential employer will begin by being well-disposed towards your application. As such, you should definitely highlight relevant previous experience in your CV, especially if you have taken time away from the beauty field.

If there is an application form involved in the recruitment process, you will probably be asked to delineate those specific skills which will help you get to grips with a new job quickly and easily. Even if you are not asked specifically, however, it will help your application no end to make it very clear, in your CV, that you have the skill-set necessary to make you a successful and useful member of the team that you hope to join. As such, try to bolster the details of your previous employment by making a special note of the duties that you undertook – and the things that you achieved – in previous jobs that make you a great candidate for the one that you are currently applying for. Of course, details of your relevant training and qualifications will also help: if you are a fully qualified nail technician, the person reading your CV needs to know!

If you progress to the interview stage, you should be prepared to back up everything that you have put on your CV, as well as demonstrate your personal aptitude for work as a beauty therapist through your appearance, professionalism, inner confidence and friendly attitude.

Enterprise Application – Widening The Scope Of Your Business Process Exposure

Enterprise applications can be designed, developed and implemented within an organization. It may also be purchased from an independent software developer that often installs and maintains the software for their customers.

But what is an Enterprise Application?

It is a software that performs business functions such as Accounting, Production scheduling, Customer Information Management, Inventory Management and the likes.

A common concept of such an Enterprise application is the ERP (Enterprise Resource Planning) software. Major players in this field include SAP, Oracle, Peoplesoft, JD Edwards and MFG Pro but there are thousands of competing vendors. These ERP packages are built on various platforms using different technologies, but they all perform more or less similar tasks in the manufacturing and logistics domain.

For instance, if you take any manufacturing organization, it would ideally have these major operations:

1) Sales – You have the sales orders generated

2) Production –The goods manufactured / produced based on the order

3) Warehouse – Where the goods are stored before dispatch

4) Distribution – Dispatch the product to the customer who has placed the order

5) Finance – Where all the accounting entries are registered

With application software, an organization can merge all these individual operations and create a workflow. This would give the baseline of how the information will be shared within a system. Any standard ERP can take care of these operations.

Additionally, there are a few more handy features which an Enterprise Application software should consist of:

*How is a Sales Order Generated?

It is based on a requirement given by the “Customer” – hence the software must take care of “Customer management”. All information related to a customer is stored in the system

A manufacturing company has its own set of vendors too– hence the application must have “Vendor management”. This includes accepting quotations from the vendor and feeding them in the system. A popular ERP has an in-built logic – which selects a preferred vendor based on the quotations received.

The Distribution channels could consist of own transport vehicles or the company ties up with a local forwarder. Here, the application should be able to expand its compatibility to outsourced partners. These forwarders are not part of the vendor list but a separate entity. The popular ERP’s have a feature where in they can have EDI (Electronic Data Interchange) transactions for all the goods dispatched to be interfaced with the forwarder’s system and in return capture the Airway bill number which is sent to the customer so that he can trace his goods.

So eventually the goods reach the customer and that closes the loop.

Actually, not yet – we forgot to bill the customer. That’s where the finance aspect appears. An invoice is generated once the order is placed in the system. This is sent to the customer along with the dispatched goods. This goes under the ‘Accounts Receivables’ group. A credit entry is created against the customer’s name. When the payment is eventually received, a debit entry is created against the same customer and that finally closes the loop of a single delivery.

An ERP is usually spoken about in terms of its modules – e.g. SD (Sales and Distribution), PP (Production Planning), and FI (Finance) – because each in itself would be a system big enough that needs a professional approach to be developed and implemented.

There is much more to it, but the important factor is, it manages end-to-end workflow of an organization within a computerized system, Thus, lessening paper work, and reducing the checklist that every department needs to maintain to ensure completeness.

Recently an end-to-end Solution provider company, V2Solutions acted as a consulting partner for a well-known Logistics Service Provider and provided them enterprise services for application built up on Oracle ApEx (Application Express) with Oracle Database. The Client was looking out for a partner, who brought in domain expertise, technical knowledge and support capabilities. This application has helped client save on more than 80-90% of the costs.

About Author
Mark Anderson

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