Practical Tips For Your Home Owner’s Insurance
Practical Tips For Your Home Owner’s Insurance
Almost every single day there are people visiting insurance sites and paying far too much money for their homeowners’ insurance. You can set your clock by it. Do not expect the insurance companies to protect you on this one, though. This is all down to you — and that’s exactly why you need to read these tips.
Having a working burglar alarm that is monitored at a central station or can contact the police right away will help lower the cost of homeowner’s insurance. It could lower the price by as much as 5%. You would need to prove that you have the alarm hooked up at your home by providing the bill to your insurance company.
Lower homeowner insurance premiums with a security system. Be sure to choose a system that is monitored from a central location. This gives proof that your home carries a lower risk and allows the insurance company to give you a discount, sometimes of 5 percent or more. Be sure to keep all security system paperwork, as you may be required to provide copies to your insurance company.
When considering insurance for your home, keep in mind that having your mortgage paid off can actually effect your premium amount. Insurance companies will commonly reward you with a lower premium if your mortgage is paid off, because it is generally thought that a home will be better taken care of if it is fully owned.
Many people are surprised that when they pay off their mortgage, their home insurance rates drop. There is a dramatic drop in the cost of home insurance when you own your home outright. This is likely due to the fact that insurers think that if you own it, you are likely to take better care of it.
To lower your annual premiums, install up to date smoke alarms and security systems in your home. Insurance companies give significant discounts to home owners who take steps to protect their home, and these are among the most cost efficient ways to do that. Provide proof of your alarms or security system to your insurance company in order to receive your discounts.
When considering insurance for your home, be aware of how certain possessions may affect your rates. Having a pool or skateboard ramp may bring hours of joy and fun to your family and friends, however they can make a large impact on your rates. Check with multiple providers and consider if it is worth it to have these recreational items.
Take care of any landscaping problems such as diseased or damaged trees to prevent potentially expensive damages. Your home owner’s insurance policy may or may not cover damages to your property or others resulting from a fallen tree, so removing landscape features that are dangerous or unstable can protect you from out-of-pocket expenses.
By using tips like these focused on homeowners’ insurance, you will begin to understand how this type of insurance works and how you can save a lot of money without having to give up on the coverage features you need. Always make sure that you’ve learned about insurance before you sign on.
Visitor Health Insurance and Visitors Medical Insurance
Visitor Health Insurance and Visitors Medical Insurance
Visitor Travel Medical Insurance plans sometimes referred to as Visitor Medical Insurance or Visitor Health Insurance plans can be purchased anytime even during the middle of a trip.
Medical emergency is a situation when a life-threatening medical condition existed, or the lack of medical attention would endanger his or her life, limb or sight and requires immediate medical treatment or has painful symptoms requiring a relieve to suffering or discomfort. Many Travel Health Insurance plans focus on providing coverage for your medical expenses resulting from sudden illness or injuries during your trip, with many policies covering trips from seven days to 3 years.
Many people find that understanding Visitors Medical Insurance can be a challenging process because there are numerous insurers with many different kind of plans, different deductibles, various coverage options and restrictions. Purchasing a plan that caters to your needs is not always easy. You can actually make your decision making process easier by taking advantage of the tools offered by the insurers’ website. It can help you to compare all major insurance plans, get free instant travel quotes and purchase a plan that best meets your specific needs.
Many insurers have offered the option of purchasing a Visitor Health Insurance online and this can get very misleading for many people because they thought that they can get immediate visitor health insurance coverage online. You should be aware that Visitor Health Insurance policies may establish a certain waiting period before it covers pre-existing conditions which are health problems you had before you bought the insurance, as long as the waiting period is reasonable by current standards set by the insurance associations.
If you think a Visitor Health Insurance is too pricey, you can save money on Visitor Health Insurance by obtaining a Dental Discount Card and an RX Prescription Card separately from your visitor health insurance program.
Visitor Travel Medical Health Insurance is ideal for tourists to US, for parents and other family members visiting the United States. The medical expenses at overseas can be very high especially when it involves hospitalization.
You can reduce the financial risk of unforeseen accidents or medical emergencies by buying visitor medical insurance.
Lastly, if you travel frequently to foreign countries you should get a Visitor Medical Insurance because with sufficient health insurance coverage, you can reduce the financial risk of unforeseen accidents or medical emergencies. Most importantly, you won’t have to see situation going catastrophic
Euthanasia and the Right to Die
Euthanasia and the Right to Die
I. Definitions of Types of Euthanasia
Euthanasia, whether in a medical setting (hospital, clinic, hospice) or not (at home) is often erroneously described as “mercy killing”. Most forms of euthanasia are, indeed, motivated by (some say: misplaced) mercy. Not so others. In Greek, “eu” means both “well” and “easy” and “Thanatos” is death.
Euthanasia is the intentional premature termination of another person’s life either by direct intervention (active euthanasia) or by withholding life-prolonging measures and resources (passive euthanasia), either at the express or implied request of that person (voluntary euthanasia), or in the absence of such approval (non-voluntary euthanasia). Involuntary euthanasia – where the individual wishes to go on living – is an euphemism for murder.
To my mind, passive euthanasia is immoral. The abrupt withdrawal of medical treatment, feeding, and hydration results in a slow and (potentially) torturous death. It took Terri Schiavo 13 days to die, when her tubes were withdrawn in the last two weeks of March 2005. Since it is impossible to conclusively prove that patients in PVS (Persistent Vegetative State) do not suffer pain, it is morally wrong to subject them to such potential gratuitous suffering. Even animals should be treated better. Moreover, passive euthanasia allows us to evade personal responsibility for the patient’s death. In active euthanasia, the relationship between the act (of administering a lethal medication, for instance) and its consequences is direct and unambiguous.
As the philosopher John Finnis notes, to qualify as euthanasia, the termination of life has to be the main and intended aim of the act or omission that lead to it. If the loss of life is incidental (a side effect), the agent is still morally responsible but to describe his actions and omissions as euthanasia would be misleading. Volntariness (accepting the foreseen but unintended consequences of one’s actions and omissions) should be distinguished from intention.
Still, this sophistry obscures the main issue:
If the sanctity of life is a supreme and overriding value (“basic good”), it ought to surely preclude and proscribe all acts and omissions which may shorten it, even when the shortening of life is a mere deleterious side effect.
But this is not the case. The sanctity and value of life compete with a host of other equally potent moral demands. Even the most devout pro-life ethicist accepts that certain medical decisions – for instance, to administer strong analgesics – inevitably truncate the patient’s life. Yet, this is considered moral because the resulting euthanasia is not the main intention of the pain-relieving doctor.
Moreover, the apparent dilemma between the two values (reduce suffering or preserve life) is non-existent.
There are four possible situations. Imagine a patient writhing with insufferable pain.
1. The patient’s life is not at risk if she is not medicated with painkillers (she risks dying if she is medicated)
2. The patient’s life is not at risk either way, medicated or not
3. The patient’s life is at risk either way, medicated or not
4. The patient’s life is at risk if she is not medicated with painkillers
In all four cases, the decisions our doctor has to make are ethically clear cut. He should administer pain-alleviating drugs, except when the patient risks dying (in 1 above). The (possible) shortening of the patient’s life (which is guesswork, at best) is immaterial.
Conclusions:
It is easy to distinguish euthanasia from all other forms of termination of life. Voluntary active euthanasia is morally defensible, at least in principle (see below). Not so other types of euthanasia.
II. Who is or Should Be Subject to Euthanasia? The Problem of Dualism vs. Reductionism
With the exception of radical animal rights activists, most philosophers and laymen consider people – human beings – to be entitled to “special treatment”, to be in possession of unique rights (and commensurate obligations), and to be capable of feats unparalleled in other species.
Thus, opponents of euthanasia universally oppose the killing of “persons”. As the (pro-euthanasia) philosopher John Harris puts it:
” … concern for their welfare, respect for their wishes, respect for the intrinsic value of their lives and respect for their interests.”
Ronald Dworkin emphasizes the investments – made by nature, the person involved, and others – which euthanasia wastes. But he also draws attention to the person’s “critical interests” – the interests whose satisfaction makes life better to live. The manner of one’s own death may be such a critical interest. Hence, one should have the right to choose how one dies because the “right kind” of death (e.g., painless, quick, dignified) reflects on one’s entire life, affirms and improves it.
But who is a person? What makes us human? Many things, most of which are irrelevant to our discussion.
Broadly speaking, though, there are two schools of thought:
(i) That we are rendered human by the very event of our conception (egg meets sperm), or, at the latest, our birth; or
(ii) That we are considered human only when we act and think as conscious humans do.
The proponents of the first case (i) claim that merely possessing a human body (or the potential to come to possess such a body) is enough to qualify us as “persons”. There is no distinction between mind and abode – thought, feelings, and actions are merely manifestations of one underlying unity. The fact that some of these manifestations have yet to materialize (in the case of an embryo) or are mere potentials (in the case of a comatose patient) does not detract from our essential, incontrovertible, and indivisible humanity. We may be immature or damaged persons – but we are persons all the same (and always will be persons).
Though considered “religious” and “spiritual”, this notion is actually a form of reductionism. The mind, “soul”, and “spirit” are mere expressions of one unity, grounded in our “hardware” – in our bodies.
Those who argue the second case (ii) postulate that it is possible to have a human body which does not host a person. People in Persistent Vegetative States, for instance – or fetuses, for that matter – are human but also non-persons. This is because they do not yet – or are unable to – exercise their faculties. Personhood is complexity. When the latter ceases, so does the former. Personhood is acquired and is an extensive parameter, a total, defining state of being. One is either awake or asleep, either dead or alive, either in a state of personhood or not
The latter approach involves fine distinctions between potential, capacity, and skill. A human body (or fertilized egg) have the potential to think, write poetry, feel pain, and value life. At the right phase of somatic development, this potential becomes capacity and, once it is competently exercised – it is a skill.
Embryos and comatose people may have the potential to do and think – but, in the absence of capacities and skills, they are not full-fledged persons. Indeed, in all important respects, they are already dead.
Taken to its logical conclusion, this definition of a person also excludes newborn infants, the severely retarded, the hopelessly quadriplegic, and the catatonic. “Who is a person” becomes a matter of culturally-bound and medically-informed judgment which may be influenced by both ignorance and fashion and, thus, be arbitrary and immoral.
Imagine a computer infected by a computer virus which cannot be quarantined, deleted, or fixed. The virus disables the host and renders it “dead”. Is it still a computer? If someone broke into my house and stole it, can I file an insurance claim? If a colleague destroys it, can I sue her for the damages? The answer is yes. A computer is a computer for as long as it exists physically and a cure is bound to be found even against the most trenchant virus.
Conclusions:
The definition of personhood must rely on objective, determinate and determinable criteria. The anti-euthanasia camp relies on bodily existence as one such criterion. The pro-euthanasia faction has yet to reciprocate.
III. Euthanasia and Suicide
Self-sacrifice, avoidable martyrdom, engaging in life risking activities, refusal to prolong one’s life through medical treatment, euthanasia, overdosing, and self-destruction that is the result of coercion – are all closely related to suicide. They all involve a deliberately self-inflicted death.
But while suicide is chiefly intended to terminate a life – the other acts are aimed at perpetuating, strengthening, and defending values or other people. Many – not only religious people – are appalled by the choice implied in suicide – of death over life. They feel that it demeans life and abnegates its meaning.
Life’s meaning – the outcome of active selection by the individual – is either external (such as “God’s plan”) or internal, the outcome of an arbitrary frame of reference, such as having a career goal. Our life is rendered meaningful only by integrating into an eternal thing, process, design, or being. Suicide makes life trivial because the act is not natural – not part of the eternal framework, the undying process, the timeless cycle of birth and death. Suicide is a break with eternity.
Henry Sidgwick said that only conscious (i.e., intelligent) beings can appreciate values and meanings. So, life is significant to conscious, intelligent, though finite, beings – because it is a part of some eternal goal, plan, process, thing, design, or being. Suicide flies in the face of Sidgwick’s dictum. It is a statement by an intelligent and conscious being about the meaninglessness of life.
If suicide is a statement, than society, in this case, is against the freedom of expression. In the case of suicide, free speech dissonantly clashes with the sanctity of a meaningful life. To rid itself of the anxiety brought on by this conflict, society cast suicide as a depraved or even criminal act and its perpetrators are much castigated.
The suicide violates not only the social contract but, many will add, covenants with God or nature. St. Thomas Aquinas wrote in the “Summa Theologiae” that – since organisms strive to survive – suicide is an unnatural act. Moreover, it adversely affects the community and violates the property rights of God, the imputed owner of one’s spirit. Christianity regards the immortal soul as a gift and, in Jewish writings, it is a deposit. Suicide amounts to the abuse or misuse of God’s possessions, temporarily lodged in a corporeal mansion.
This paternalism was propagated, centuries later, by Sir William Blackstone, the codifier of British Law. Suicide – being self-murder – is a grave felony, which the state has a right to prevent and to punish for. In certain countries this still is the case. In Israel, for instance, a soldier is considered to be “military property” and an attempted suicide is severely punished as “the corruption of an army chattel”.
Paternalism, a malignant mutation of benevolence, is about objectifying people and treating them as possessions. Even fully-informed and consenting adults are not granted full, unmitigated autonomy, freedom, and privacy. This tends to breed “victimless crimes”. The “culprits” – gamblers, homosexuals, communists, suicides, drug addicts, alcoholics, prostitutes – are “protected from themselves” by an intrusive nanny state.
The possession of a right by a person imposes on others a corresponding obligation not to act to frustrate its exercise. Suicide is often the choice of a mentally and legally competent adult. Life is such a basic and deep set phenomenon that even the incompetents – the mentally retarded or mentally insane or minors – can fully gauge its significance and make “informed” decisions, in my view.
The paternalists claim counterfactually that no competent adult “in his right mind” will ever decide to commit suicide. They cite the cases of suicides who survived and felt very happy that they have – as a compelling reason to intervene. But we all make irreversible decisions for which, sometimes, we are sorry. It gives no one the right to interfere.
Paternalism is a slippery slope. Should the state be allowed to prevent the birth of a genetically defective child or forbid his parents to marry in the first place? Should unhealthy adults be forced to abstain from smoking, or steer clear from alcohol? Should they be coerced to exercise?
Suicide is subject to a double moral standard. People are permitted – nay, encouraged – to sacrifice their life only in certain, socially sanctioned, ways. To die on the battlefield or in defense of one’s religion is commendable. This hypocrisy reveals how power structures – the state, institutional religion, political parties, national movements – aim to monopolize the lives of citizens and adherents to do with as they see fit. Suicide threatens this monopoly. Hence the taboo.
Does one have a right to take one’s life?
The answer is: it depends. Certain cultures and societies encourage suicide. Both Japanese kamikaze and Jewish martyrs were extolled for their suicidal actions. Certain professions are knowingly life-threatening – soldiers, firemen, policemen. Certain industries – like the manufacture of armaments, cigarettes, and alcohol – boost overall mortality rates.
In general, suicide is commended when it serves social ends, enhances the cohesion of the group, upholds its values, multiplies its wealth, or defends it from external and internal threats. Social structures and human collectives – empires, countries, firms, bands, institutions – often commit suicide. This is considered to be a healthy process.
More about suicide, the meaning of life, and related considerations – HERE.
Back to our central dilemma:
Is it morally justified to commit suicide in order to avoid certain, forthcoming, unavoidable, and unrelenting torture, pain, or coma?
Is it morally justified to ask others to help you to commit suicide (for instance, if you are incapacitated)?
Imagine a society that venerates life-with-dignity by making euthanasia mandatory (Trollope’s Britannula in “The Fixed Period”) – would it then and there be morally justified to refuse to commit suicide or to help in it?
Conclusions:
Though legal in many countries, suicide is still frowned upon, except when it amounts to socially-sanctioned self-sacrifice.
Assisted suicide is both condemned and illegal in most parts of the world. This is logically inconsistent but reflects society’s fear of a “slippery slope” which may lead from assisted suicide to murder.
IV. Euthanasia and Murder
Imagine killing someone before we have ascertained her preferences as to the manner of her death and whether she wants to die at all. This constitutes murder even if, after the fact, we can prove conclusively that the victim wanted to die.
Is murder, therefore, merely the act of taking life, regardless of circumstances – or is it the nature of the interpersonal interaction that counts? If the latter, the victim’s will counts – if the former, it is irrelevant.
V. Euthanasia, the Value of Life, and the Right to Life
Few philosophers, legislators, and laymen support non-voluntary or involuntary euthanasia. These types of “mercy” killing are associated with the most heinous crimes against humanity committed by the Nazi regime on both its own people and other nations. They are and were also an integral part of every program of active eugenics.
The arguments against killing someone who hasn’t expressed a wish to die (let alone someone who has expressed a desire to go on living) revolve around the right to life. People are assumed to value their life, cherish it, and protect it. Euthanasia – especially the non-voluntary forms – amounts to depriving someone (as well as their nearest and dearest) of something they value.
The right to life – at least as far as human beings are concerned – is a rarely questioned fundamental moral principle. In Western cultures, it is assumed to be inalienable and indivisible (i.e., monolithic). Yet, it is neither. Even if we accept the axiomatic – and therefore arbitrary – source of this right, we are still faced with intractable dilemmas. All said, the right to life may be nothing more than a cultural construct, dependent on social mores, historical contexts, and exegetic systems.
Rights – whether moral or legal – impose obligations or duties on third parties towards the right-holder. One has a right AGAINST other people and thus can prescribe to them certain obligatory behaviors and proscribe certain acts or omissions. Rights and duties are two sides of the same Janus-like ethical coin.
This duality confuses people. They often erroneously identify rights with their attendant duties or obligations, with the morally decent, or even with the morally permissible. One’s rights inform other people how they MUST behave towards one – not how they SHOULD or OUGHT to act morally. Moral behavior is not dependent on the existence of a right. Obligations are.
To complicate matters further, many apparently simple and straightforward rights are amalgams of more basic moral or legal principles. To treat such rights as unities is to mistreat them.
Take the right to life. It is a compendium of no less than eight distinct rights: the right to be brought to life, the right to be born, the right to have one’s life maintained, the right not to be killed, the right to have one’s life saved, the right to save one’s life (wrongly reduced to the right to self-defence), the right to terminate one’s life, and the right to have one’s life terminated.
None of these rights is self-evident, or unambiguous, or universal, or immutable, or automatically applicable. It is safe to say, therefore, that these rights are not primary as hitherto believed – but derivative.
Go HERE to learn more about the Right to Life.
Of the eight strands comprising the right to life, we are concerned with a mere two.
The Right to Have One’s Life Maintained
This leads to a more general quandary. To what extent can one use other people’s bodies, their property, their time, their resources and to deprive them of pleasure, comfort, material possessions, income, or any other thing – in order to maintain one’s life?
Even if it were possible in reality, it is indefensible to maintain that I have a right to sustain, improve, or prolong my life at another’s expense. I cannot demand – though I can morally expect – even a trivial and minimal sacrifice from another in order to prolong my life. I have no right to do so.
Of course, the existence of an implicit, let alone explicit, contract between myself and another party would change the picture. The right to demand sacrifices commensurate with the provisions of the contract would then crystallize and create corresponding duties and obligations.
No embryo has a right to sustain its life, maintain, or prolong it at its mother’s expense. This is true regardless of how insignificant the sacrifice required of her is.
Yet, by knowingly and intentionally conceiving the embryo, the mother can be said to have signed a contract with it. The contract causes the right of the embryo to demand such sacrifices from his mother to crystallize. It also creates corresponding duties and obligations of the mother towards her embryo.
We often find ourselves in a situation where we do not have a given right against other individuals – but we do possess this very same right against society. Society owes us what no constituent-individual does.
Thus, we all have a right to sustain our lives, maintain, prolong, or even improve them at society’s expense – no matter how major and significant the resources required. Public hospitals, state pension schemes, and police forces may be needed in order to fulfill society’s obligations to prolong, maintain, and improve our lives – but fulfill them it must.
Still, each one of us can sign a contract with society – implicitly or explicitly – and abrogate this right. One can volunteer to join the army. Such an act constitutes a contract in which the individual assumes the duty or obligation to give up his or her life.
The Right not to be Killed
It is commonly agreed that every person has the right not to be killed unjustly. Admittedly, what is just and what is unjust is determined by an ethical calculus or a social contract – both constantly in flux.
Still, even if we assume an Archimedean immutable point of moral reference – does A’s right not to be killed mean that third parties are to refrain from enforcing the rights of other people against A? What if the only way to right wrongs committed by A against others – was to kill A? The moral obligation to right wrongs is about restoring the rights of the wronged.
If the continued existence of A is predicated on the repeated and continuous violation of the rights of others – and these other people object to it – then A must be killed if that is the only way to right the wrong and re-assert the rights of A’s victims.
The Right to have One’s Life Saved
There is no such right because there is no moral obligation or duty to save a life. That people believe otherwise demonstrates the muddle between the morally commendable, desirable, and decent (“ought”, “should”) and the morally obligatory, the result of other people’s rights (“must”). In some countries, the obligation to save a life is codified in the law of the land. But legal rights and obligations do not always correspond to moral rights and obligations, or give rise to them.
VI. Euthanasia and Personal Autonomy
The right to have one’s life terminated at will (euthanasia), is subject to social, ethical, and legal strictures. In some countries – such as the Netherlands – it is legal (and socially acceptable) to have one’s life terminated with the help of third parties given a sufficient deterioration in the quality of life and given the imminence of death. One has to be of sound mind and will one’s death knowingly, intentionally, repeatedly, and forcefully.
Should we have a right to die (given hopeless medical circumstances)? When our wish to end it all conflicts with society’s (admittedly, paternalistic) judgment of what is right and what is good for us and for others – what should prevail?
One the one hand, as Patrick Henry put it, “give me liberty or give me death”. A life without personal autonomy and without the freedom to make unpopular and non-conformist decisions is, arguably, not worth living at all!
As Dworkin states:
“Making someone die in a way that others approve, but he believes a horrifying contradiction of his life, is a devastating, odious form of tyranny”.
Still, even the victim’s express wishes may prove to be transient and circumstantial (due to depression, misinformation, or clouded judgment). Can we regard them as immutable and invariable? Moreover, what if the circumstances prove everyone – the victim included – wrong? What if a cure to the victim’s disease is found ten minutes after the euthanasia?
Conclusions:
Personal autonomy is an important value in conflict with other, equally important values. Hence the debate about euthanasia. The problem is intractable and insoluble. No moral calculus (itself based implicitly or explicitly on a hierarchy of values) can tell us which value overrides another and what are the true basic goods.
VII. Euthanasia and Society
It is commonly accepted that where two equally potent values clash, society steps in as an arbiter. The right to material welfare (food, shelter, basic possessions) often conflicts with the right to own private property and to benefit from it. Society strikes a fine balance by, on the one hand, taking from the rich and giving to the poor (through redistributive taxation) and, on the other hand, prohibiting and punishing theft and looting.
Euthanasia involves a few such finely-balanced values: the sanctity of life vs. personal autonomy, the welfare of the many vs. the welfare of the individual, the relief of pain vs. the prolongation and preservation of life.
Why can’t society step in as arbiter in these cases as well?
Moreover, what if a person is rendered incapable of expressing his preferences with regards to the manner and timing of his death – should society step in (through the agency of his family or through the courts or legislature) and make the decision for him?
In a variety of legal situations, parents, court-appointed guardians, custodians, and conservators act for, on behalf of, and in lieu of underage children, the physically and mentally challenged and the disabled. Why not here?
We must distinguish between four situations:
1. The patient foresaw the circumstances and provided an advance directive (living will), asking explicitly for his life to be terminated when certain conditions are met.
2. The patient did not provide an advanced directive but expressed his preference clearly before he was incapacitated. The risk here is that self-interested family members may lie.
3. The patient did not provide an advance directive and did not express his preference aloud – but the decision to terminate his life is commensurate with both his character and with other decisions he made.
4. There is no indication, however indirect, that the patient wishes or would have wished to die had he been capable of expression but the patient is no longer a “person” and, therefore, has no interests to respect, observe, and protect. Moreover, the patient is a burden to himself, to his nearest and dearest, and to society at large. Euthanasia is the right, just, and most efficient thing to do.
Conclusions:
Society can (and often does) legalize euthanasia in the first case and, subject to rigorous fact checking, in the second and third cases. To prevent economically-motivated murder disguised as euthanasia, non-voluntary and involuntary euthanasia (as set in the forth case above) should be banned outright.
VIII. Slippery Slope Arguments
Issues in the Calculus of Rights – The Hierarchy of Rights
The right to life supersedes – in Western moral and legal systems – all other rights. It overrules the right to one’s body, to comfort, to the avoidance of pain, or to ownership of property. Given such lack of equivocation, the amount of dilemmas and controversies surrounding the right to life is, therefore, surprising.
When there is a clash between equally potent rights – for instance, the conflicting rights to life of two people – we can decide among them randomly (by flipping a coin, or casting dice). Alternatively, we can add and subtract rights in a somewhat macabre arithmetic.
Thus, if the continued life of an embryo or a fetus threatens the mother’s life – that is, assuming, controversially, that both of them have an equal right to life – we can decide to kill the fetus. By adding to the mother’s right to life her right to her own body we outweigh the fetus’ right to life.
The Difference between Killing and Letting Die
Counterintuitively, there is a moral gulf between killing (taking a life) and letting die (not saving a life). The right not to be killed is undisputed. There is no right to have one’s own life saved. Where there is a right – and only where there is one – there is an obligation. Thus, while there is an obligation not to kill – there is no obligation to save a life.
Anti-euthanasia ethicists fear that allowing one kind of euthanasia – even under the strictest and explicit conditions – will open the floodgates. The value of life will be depreciated and made subordinate to considerations of economic efficacy and personal convenience. Murders, disguised as acts of euthanasia, will proliferate and none of us will be safe once we reach old age or become disabled.
Years of legally-sanctioned euthanasia in the Netherlands, parts of Australia, and a state or two in the United States (living wills have been accepted and complied with throughout the Western world for a well over a decade now) tend to fly in the face of such fears. Doctors did not regard these shifts in public opinion and legislative climate as a blanket license to kill their charges. Family members proved to be far less bloodthirsty and avaricious than feared.
Conclusions:
As long as non-voluntary and involuntary types of euthanasia are treated as felonies, it seems safe to allow patients to exercise their personal autonomy and grant them the right to die. Legalizing the institution of “advance directive” will go a long way towards regulating the field – as would a new code of medical ethics that will recognize and embrace reality: doctors, patients, and family members collude in their millions to commit numerous acts and omissions of euthanasia every day. It is their way of restoring dignity to the shattered lives and bodies of loved ones.
Car Insurance FAQs
Car Insurance FAQs
Can I insure a modified or classic car; who will offer insurance cover?
Yes, you can insure a modified car but because your car is a specialist car, not all auto insurance companies might be willing to provide coverage for it since it requires high price replacement parts and also skilled labor if the car is involved in an accident. Thus, you have to take a special car insurance that is designed especially for modified and classic cars.
How can I cut down my car insurance premium?
If you wish to cut down on your car insurance premium you must take care of a few things. Park your car overnight in the garage rather than leaving it on the drive. Fit insurance approved anti-theft devices; consider Third Party Fire and Theft for older cars. Find out discounts offered by the insurance provider when requesting quotes. Young drivers (under 25), who are often charged extremely high premiums, should have an extra driving course certificate.
What is ‘excess’?
It is the amount you have to pay when you make a claim for the loss or damage to your car. It can be voluntary or compulsory. If someone else causes the accident you may be able to reclaim the excess through the legal cover, which can be taken out with your car insurance policy. Otherwise you lose the excess. Voluntary excess is the amount you agree to pay to the company. It offers premium discounts. Compulsory excess is generally imposed to young drivers. Because their risk factors are high and the companies don’t want to insure them. So, in order to insure, they have to surrender with this payment.
What is legal cover?
It provides expertise and assistance required to recover uninsured losses such as medical costs, loss of earnings and excess payments where the fault was not yours. It is available as an optional with most car insurance policies.
Can an insurance company cancel my auto policy?
Yes, you auto insurance policy may stand canceled if you fail to pay the premium or if your consumer’s license has been suspended or revoked during the term of an auto policy. Also, if there is a fraud or serious misrepresentation when completing the insurance application, if the you are convicted to a crime, or if changes are made to the property that increase the risk of loss then the company may cancel your insurance policy.
Affordable Life Insurance!
Affordable Life Insurance!
So, you’ve decided to purchase life insurance. Well then, you have made a good decision! If you have dependents, you know that you must provide for them long after you are gone. Buying life insurance shouldn’t be a budget buster either. Take a look at the following options which can help you save big time!
Shop Online: There are several companies that will give you free life insurance quotes right online. By entering your personal information, the amount of insurance coverage desired, and policy terms, you will receive within moments sufficient quote information. Naturally, you will want to talk to an agent at some point, but at least you will get a very good ballpark figure to consider. Some good sites for you to visit include: Insure.com; SelectQuote.com; ReliaQuote.com, IntelliQuote.com; and InsWeb.com. There are many others, so do some comparison shopping.
Types of Life Insurance: There are four types of life insurance plans from which you can choose: Term Life, Whole Life, Universal Life, and Variable Universal Life.
Term Life is the most affordable as it lets you lock in a fixed rate for the length of the policy [typically 10 or 20 years], but it does not have any cash accumulation. So, the only way it pays is if you die!
Whole Life offers policy holders lifetime coverage, guaranteed level premiums, tax-deferred accumulation of cash values. In other words you can borrow off the policy if you need the cash.
Universal Life offers policy holders Lifetime coverage, flexible premiums and death benefits, tax-deferred accumulation of cash values. Rates are adjustable.
Variable Universal Life offers lifetime coverage, flexible premiums and death benefits, tax-deferred accumulation of cash values, a selection of investment options. Rates are adjustable.
Contact an Agent: Once you have determined which type of insurance is best for you and your family, contact an agent for further guidance. If you received an acceptable life insurance quote online, follow through with it to allow an agent to contact you personally. This person will go over your policy and discuss with you the various types of companies offering coverage. If you are satisfied and want to proceed further, the agent will order a comprehensive medical exam that can be done in the convenience of your home or office at no charge to you! About four to six weeks later the results will be in and if all goes well, coverage will begin almost immediately thereafter. At no point are you obligated to accept coverage until you sign a contract.
More Savings: Do you want to save even more money? Pay the premium all at once. Monthly or quarterly payments usually carry a surcharge. By paying the entire premium in advance you can save around 5%.
Providing for family members after your death is one of the most important reasons to include life insurance as part of your financial planning. You can receive your free life insurance quote by shopping online today; don’t delay!
(c)2005; Matthew C Keegan, LLC
What You Need To Know Before Purchasing More Life Insurance (4)
What You Need To Know Before Purchasing More Life Insurance
Life insurance is one of those things that most people do not particularly look forward to dealing with. After all, matters dealing with one’s eventual death are things that most people are generally not comfortable with. However, life insurance is very important in that it provides protection and ensures the continued welfare of a person’s dependents in case the worst happens. This article’s tips regarding life insurance can make it an easier process.
Focus on your health to further reduce life insurance costs. Taking actions such as quitting smoking or losing weight can have a positive impact on premiums for life insurance, as it reduces your total risk to the insurance company. Most life insurance policies require some sort of health examination, so taking steps to improve your health before the exam can significantly affect the total premium you end up paying.
Life is unpredictable. Disasters can happen at any moment. Prepare for life today by buying insurance, not only for you house and car, but also health insurance that covers dental and doctor visits. If you are injured in a way that impairs your work, getting medical assistance is vital to you maintaining your lifestyle.
To stay motivated to pay your life insurance premium in tough times, remind yourself why you need the policy in the first place. In a worst case scenario, remember that your life insurance will protect your family from any further trauma or damage resulting from not only losing you but also losing your income.
Disclose everything regarding your life and your health when purchasing life insurance. If anything that you failed to mention contributes to your passing, you may have rendered your insurance null and avoid. The most expensive insurance policy in the world is the one that doesn’t pay out when it’s needed.
Drop bad habits and get into good shape prior to opening a life insurance policy. If you are in good physical health, you are likely to get a better rate from your provider. Smoking, high cholesterol, blood pressure, as well as depression, can drive up your rates more than you would think.
Don’t put off buying a life insurance policy. The older you are when you purchase the policy, the higher your premiums will be, even for the same amount of coverage. Also, if you are young and healthy, you won’t have any trouble getting approved for coverage, which might be a problem as you grow older.
To get a good life insurance rate, purchase life insurance while you’re still young. Rates are lower the younger you are, and you can keep paying the same rate as time goes on. You may not need life insurance now, but you’ll need it in the future. Being proactive about your life insurance will help you get a great policy for a low cost.
There are many different reasons why life insurance is important. But, ultimately it comes down to the fact that it is one of the best methods for providing security to the people left behind. Although dealing with life insurance can be a mentally grueling process, hopefully this article has made it easier.



