Showing posts with label policy. Show all posts
Showing posts with label policy. Show all posts

Thursday, August 16, 2012

Largest-ever tobacco study finds 'urgent need' for policy change

About half the men in numerous developing nations use tobacco, and women in those regions are taking up smoking at an earlier age than they used to, according to what is being called the largest-ever international study on tobacco use.

The study, which covered enough representative samples to estimate tobacco use among 3 billion people, "demonstrates an urgent need for policy change in low- and middle-income countries," said lead researcher Gary Giovino, whose report was published in the British medical journal The Lancet.

The figures bolster statements by the World Health Organization that while much of the industrialized world, including the United States, has seen a substantial reduction in smoking in recent years, the opposite trend is under way in parts of the developing world.

Australian tobacco packaging laws misguided
This week, Australia's high court upheld a rule that tobacco products must be in plain packaging without logos and bear graphic health warnings.

Other success stories include New Zealand, Ireland, and Britain, said Tusan D'Espaignet. Two of the countries in the new GATS study Turkey and Uruguay are also showing improvement due to such measures, he said.

The study got some of its funding from New York Mayor Michael Bloomberg's philanthropy, as well as the Bill and Melinda Gates foundation.

Bloomberg Philanthropies says that in 2007, it supported the WHO's efforts "to package and promote six proven policies to reduce tobacco use worldwide. These strategies including protecting people from tobacco smoke, offering help to quit, raising awareness about the dangers of tobacco through warning labels and public education campaigns, enforcing tobacco advertising bans, and raising the price of tobacco products are proven to reduce smoking rates. "

Since that initiative began in 2007, "21 countries have passed 100% smoke-free laws, the percentage of people protected from second-hand smoke has increased 400%, and almost four billion people worldwide are now protected by at least one of the six proven tobacco control policies," the group said.

By Josh Levs, CNN

Friday, June 8, 2012

The basics about the term life insurance

Insurance is what lets people go on nowadays. So many types of insurance have come around in the market. There are short term insurance policies and then there are long term insurance policies. Life is so unpredictable that people now go for short term insurance policies. Out of the short term policies of insurance, the term life insurance policy is very common that people opt for. It is initially low cost and does not even affect the life style of eh insurance policy bearer, or his dependants.

The term life insurance has low premium payment and has a short term, which is why it is called a term life insurance. Apart from all the people who go for short term life insurance, the people who have a short term need of the insurance also go for the term life insurance. This type of insurance covers a short term period of risk and the insurance payer provides insurance to the dependants. It is very much obligatory for the payer to savor the future of all the dependants that are on to him and are his responsibility. The term life insurance is very different from the whole life insurance because the first thing to note is that the whole life insurance covers the whole risk period attached to life and that is death. The term life insurance covers the period for which one feels that he has some risks to life. The other difference is that the term life insurances premium gets costly by time. The more you pay as you go about the policy the costlier it becomes. The term life insurance policy is protection-based completely. The certificate of insurance can be then taken by paying full payments of the policy. The policy also comes in to the beneficiary in the event of the death. Death is unpredictable, so it cannot be taken or cashed before the risk of death is surpassed.

However, if the term passes for which the policy is made, there is no payment that is given neither to the dependants nor to the beneficiary. If there is an inability to pay while the policy is being made, the policy is rejected. There is always a risk of loss of the policy so, the policy can only be taken by those people who may have the idea that they have to support their families and dependants after they die. The term can be decided based in the circumstances.

Usually, the term life insurance is of a maximum time period of 5 years. It is cost effective unlike the whole life insurance policies. The term life insurance can also be taken for the purpose of children who want to study, want finance for higher education, for travel etc. if you are willing to purchase the term life insurance, you can search for the insurance providing companies in the market. So many companies are even working online with the help of their websites and you can get an access easily to a reliable company online.

Author Bio:
Muhammad Azam is a financial blogger. He has written several blogs on life assurance, term life insurance and on other finance related topics. If are looking for reliable information on term life insurance then read his blogs.