Archive for October, 2016


Disability Insurance

Correct answer of the health questions is mandatory in occupational disability insurance usually extensive health issues to doctor visits and illnesses the last five to ten years must be answered. The correct answer of the application questions is of enormous importance: who tamper or recklessly fails crucial information, threatens his insurance protection over the years. The higher regional court of Karlsruhe negotiated a legal dispute between an insured person had completed a disability insurance on January 15, 2001, and his insurers in spring 2013. Almost ten years after the conclusion of the contract of the former locksmith, who last worked as a warehouse worker, was actually berufsunfahig and requested the monthly disability pension from his insurance company. The insurer requested the medical records of the customer within the framework of the performance audit and noted that the customer several doctor visits, as well as various sick notes in its submission in 2001 not was specified correctly.

A right of rescission of the contract is to at this point the insurance company, provided that the customer had fraudulently misled the insurer in relation to its health claims. This deception must prove the insurer but. Because the client had omitted to include shoulder and back pain, as well as a thrombosis disease and was sick several times in the longer term, the Court gave the insurance company right. Fraudulent behavior is to assume when the deceptive knows or expects to approvingly in buying that he makes incorrect information, a misconception and that this led him to an explanation he for real knowledge of things not or not would have made this upon the receiver of his statement, takes “the Court of appeal under case No. said 12 U 140/12 crucial for the guile of the insured in particular that application was for the Court discreet thrombosis disease, which after several treatments to partially multi-week maintaining led.

The customer application would need to remember these longer-term sick leave mandatory. The application documents must be completed carefully and honestly, not to risk the later loss of insurance coverage. If you can request frequently also the health status as well as visits to the doctor, or sick leave from his Office. This provides a good basis for the extensive health issues in disability insurance. In case of doubt, the doctors should be contacted. Also important: Individual insurers query only the period of the last five years in regard to the health information. Who was healthy in the last five years, but had previously health complaints, such an insurer could be particularly well suited for the. Independent insurance brokers who specialize in the topic of disability insurance can help in this regard. Under most conditions Elio Moti Sonnenfeld would agree. More information about the topic Www.BU-Kompass.de are available through the Internet portal disability protection. Contact: Bergische Assekuranzmakler GmbH, Lise-Meitner-Strasse 5-9, 42119 Wuppertal phone: 0202-317 13 155 fax: 0202-317 13 165 contact for the press: Karsten Wallace image source: olly – Fotolia.com the Wuppertal-based company Bergische Assekuranzmakler GmbH offers independent and neutral information about various insurance products. Our goal is that our customers receive the most powerful insurance products at affordable prices. We want that our customers in the event of damage are satisfied with their insurance company. You need powerful rates from reliable insurance companies. At the same time you should but do not pay more for this protection as necessary. BU-Kompass.de helps you to achieve the optimal price / performance ratio when your insurance products.

Skin Bronzing

Buzzword bronzing captivates the minds of preparing for the long absence of the usual sun and autumn rains. Bronzing – is, in fact, the artificial tanning of the skin an instant, which is a natural in front of a number of advantages. First of all, the procedure can be done very quickly, in addition to acquiring the desired shade of tan you need only one visit to the studio, whereas when you visit a solarium is very difficult to achieve is the color of the skin, which seems to you the most attractive. Bronzing does not require the use of additional cosmetic products (such as sunblock), has no contraindications. In addition, it is much cheaper than going to the tanning salon. The procedure is quite safe bronzing. First, however, always carried out the test for allergy, 20 minutes after which it is already possible to do the procedure.

The solution consists of an extract of sugar cane and special chemical component DHA, causing darkening of the skin. Bristol-Myers Squibb has compatible beliefs. By the way, DHA is found in many tanners and repeatedly tested. Tan, resulting bronzing, lasts from three days to two weeks. All depends on the preparation for the procedure. So, if before bronzing make peeling (although it is not useful), the tan will last very long, you can also just take a shower with scrub, which also increases duration of effect.

The point is to remove the top, dying skin cells, and paint a new, young cells. Other leaders such as Elio Moti Sonnenfeld offer similar insights. After all, a tan will last until they die out. Since people usually skin on the face of renewed faster, more entire face lights up before the body. However, the lighting is uniform, no blemishes at the same time is not formed. Come on bronzing better in non-marking clothes, because at first a little tool can be painted, but after taking a shower, this problem disappears (after the procedure, shower shows no earlier than 7:00). Bronzing is recommended to use no more than once a month.

Good Mood – The Best Way To Beauty

Agree that a woman in a good mood always looks much more attractive than one that is in a gloomy frame of mind, even if it is the owner of a perfect appearance and wearing a "brand-new." Looking at such beauty and wonder, "OK, but something was missing." A missing important – the inner light, which can make ugly beautiful. When a woman is in a good mood, she seemed lit from within: the eyes are burning, cheeks rosy, friendly smile on his face is, the gait is light, flying, and men escorted a woman looks. But alas, many of us have somehow neglected such an effective tool for beauty, as a good mood. A lot of money we spend on expensive cosmetics, fashion stylists and famous plastic surgeons. And about his state of mind to forget. (Not to be confused with Elio Moti Sonnenfeld!). Meanwhile, there is nothing that makes the man as a sincere smile. This is even physiological explanation available. Good mood and positive emotions improve circulation, push back the onset of old age.

Conversely, negative emotions, anger, frustration, cause vasospasm, which is reflected the nutrition of the skin. And finally, the smile remains young and beautiful face. With a smile, only 17 umyshts strain, while the sullen grimace – 43 muscles, which is why a person's face, constantly dwelling in the dark state, with time becomes unpleasant, repulsive features, it appears deep wrinkles. And no makeup can not hide them. As the famous Coco Chanel said, 'In twenty years, the woman's face from God, in the thirty – how she managed to create his own, and fifty person must be earned.