Friends Provident International

Friends Provident International Dubai office is based in Emaar square, next to Dubai mall, and is part of the Friends Life Group.

Friends Life group is the name used to describe Friends Life Group plc and all subsidiaries of that company.

Friends Provident International - Middle East – Areas of operation

Friends Provident International provides competitive life assurance, pensions and investment products for Asia, the Middle East, Europe, the UK and other selected markets with products such as -

• Regular premium savings and investments products
• Single premium savings and investments products
• Protection products

Friends Provident International - Regular Premium Savings and Investments

Premier

The main product for regular premium savings and investments offered by Friends Provident International is call ‘Premier’. This product is one of the most popular savings and investment products in the market.

Single premium savings and investments

Friends Provident International has two products designed for single premium savings and investments.

1. Elite
2. Reserve
3. Summit
4. Zenith

Friends Provident International - Elite is a single premium offshore life assurance policy specially designed to allow access to international equity investment opportunities.

Friends Provident International - Reserve - The keys to Reserve are flexibility, adaptability and choice. The product itself, its investment links, and even the way the charges are taken, have all been designed to give maximum freedom of choice to the investor.

Friends Provident International - Summit - Summit is a highly flexible loyalty plan with penalty-free access to the majority of your investment amount.

Friends Provident International - Zenith - Zenith is a single premium offshore life assurance policy specially designed to allow access to international equity investment opportunities.

Friends Provident International - Protection products

Friends Provident offers only one product for protection called International Protector Middle East.

International Protector Middle East is a comprehensive and flexible suite of products, offering Life, Disability and Critical Illness Cover within one plan.

International Protector Middle East is simple, yet can have many uses. It can provide protection for the family, mortgage, business or all of these. The plan can be tailored to meet individual needs and requirements with the flexibility to increase or change the cover in the future. No matter what the future may hold, International Protector Middle East provides complete peace of mind.

Where to get Friends Provident International Products

As part of the largest insurance brokerage in the middle east we can offer impartial advice and design tailor-made solutions for you. If you are interested in inquiring about Friends Provident International products, please fill our the form below and we will contact you within 48 hours.

Incoming search terms:

• friends provident international (2)
• friends provident international dubai (1)

Zurich International Life – Middle East is the Dubai branch of the company Zurich International Life.

Zurich International Life

The Dubai branch is based in DIFC with an office in Emaar square as well, next to Dubai mall.

Zurich International Life – Middle East – Areas of operation

Zurich International Life – Middle East office serves customers in the United Arab Emirates and Bahrain and Qatar with products such as -

• Regular premium savings and investments products
• Single premium savings and investments products
• Protection products

Zurich International Life – Regular Premium Savings and Investments

The main product for regular premium savings and investments offered by Zurich International Life is call ‘Vista’. This product is one of the most popular savings and investment products in the market

Zurich International Life Vista is designed for -

1. Future Savings in general
2. Children’s education planning
3. Retirement planning
4. Wedding expenses planning

Single premium savings and investments

Zurich International Life has two products designed for single premium savings and investments.

1. International Wealth Account
2. Global Choice

Zurich International Life – IWA is a medium to long-term, single contribution, unit linked plan. It is issued as either a life insurance plan or as a capital redemption plan.

Zurich International Life – Global Choice is a unit-linked investment plan that enables you to choose from a wide range of funds with the aim of increasing the value of the money you invest while providing a high level of flexibility. It is available as a life insurance plan with no fixed term.

Zurich International Life – Protection products

Zurich offers two main products for the life insurance needs of expats in the UAE.

1. Zurich Futura
2. Zurich International Term Assurance

Zurich Futura – Futura is an innovative lifetime protection policy. Its flexibility means it can accommodate changes to benefits as the circumstances of your life change. You can have peace of mind that at any stage in life, Futura can protect you and your family the way you want it to. What’s more, its flexibility is every bit as important for tax planning and business insurance as it is in protecting your family.

Zurich International Term Assurance (ITA)- International Term Assurance is a level term life insurance policy. Term assurance is regarded as the easiest and most cost-effective way of providing future financial security for your dependents, should you die.

Where to get Zurich International Life Products

As part of the largest insurance brokerage in the middle east we can offer impartial advice and design tailor-made solutions for you. If you are interested in inquiring about Zurich International Life products, please fill our the form below and we will contact you within 48 hours.

Incoming search terms:

• www redumption of vista zurich amount (1)
• zurich international life vista (1)

Most expats in Dubai are here for the short to medium term i.e. 3-10 years. Some even stay more than 15 years or more. When they cross the 3-year mark, chances are that they will stay longer in Dubai.

Life insurance in Dubai

Common mistake expats in Dubai make with their insurance planning -

1. Many expats put off taking Life Insurance in Dubai because they think that if they are here for a short period, and think that continuing the life insurance policy from another country would get difficult – Life insurance policies from reputed international companies are always portable and can be continued from any country in the world which supports international bank accounts or credit cards.
2. Putting of Life Insurance planning in the short term is very dangerous because if the expat were to die in the UAE or be involved in an accident, he/she would be leaving their surviving dependents exposed to an high amount of risk through the loss of income from the earning member.
3. Taking life insurance too late in life. The cost of insurance increases significantly as you age and the earlier you consider life insurance in Dubai, the cheaper it gets.

Key points to consider when getting Life Insurance in Dubai -

1. Source of planning advice – The source of advice is very important when making any major decision in life, especially one that involves Life Insurance in Dubai.
• Banks are financial institutions and not insurance specialists. They are not the right source for taking insurance planning advice or policies.
• Banks offering Life insurance in Dubai represent at the most one or two international or local insurance providers, hence their product range is very limited and may not suit your needs. Hence their consultants or relationship managers are only interested in pushing these products to you and do not offer impartial advice.
• Banks offering Life insurance in Dubai DO NOT have qualified advisers who can do a good job with your insurance and financial planning.
• Most importantly banks offering Life insurance in Dubai have much more hidden charges in their insurance plans and you end up paying much higher premiums for the same benefits as you would if you go through an independent broker.
• You should always approach an Independent financial adviser who is associated with a reputable insurance broker. The word ‘independent’ is key here because he/she represents you and not the providers and gives you impartial advice on which product to choose.
2. Quality of planning advice – When considering life insurance in Dubai the personal financial planner you approach for insurance planning advice should be suitably qualified and trained by the providers and the broker he is associated with. This is very important because life insurance planning is a complicated process and lots of factors need to be considered when designing the insurance portfolio.

Product related factors – Life Insurance in Dubai

The following points are very important and should be discussed with your independent financial adviser when considering Life Insurance in Dubai.

1. Term Life Insurance vs Whole of Life insurance.
2. Single Life Insurance policy vs Joint life both death Insurance policy.
3. Death benefits and living benefits.
4. Number and types of critical illness being covered.
5. Growth rate and premium affordability in case of cash value policies.
6. Premium payment terms.
7. Premium payment options and flexibility.
8. Funds where your money is being invested for insurance policies with cash values.
9. Till what age does each benefit last.
10. Are the benefits and levels of cover designed correctly as per your requirement? etc…

As you can see getting life insurance in Dubai involves a lot of planning and careful decision making. If you are keen on getting Life insurance in Dubai, please fill in your contact details in the form below and we will contact you for a free 30-minute review of your insurance requirements.

Incoming search terms:

• happy family (4)
• life insurance in dubai (4)
• expat term life insurance dangerous countries (1)
• happy family images (1)
• investment options for expats in dubai? (1)

It’s now simple to access great healthcare for you and your family, wherever you are in the world. Axa Medical Insurance Dubai makes it easy to choose the right cover and easy to use it.

AXA Medical Insurance Dubai

A simple approach – Now Health – Axa Medical Insurance Dubai

Incoming search terms:

• axa insurance dubai (13)
• family insurance dubai (4)
• axa dubai (3)
• www axamedicalinsurance (3)
• axa medical insurance dubai (3)
• axa health insurance dubai (3)
• axa health insurance (2)
• health medical (2)
• timing of axa insurance dubai (2)
• axa sigorta (2)

Maternity insurance in Dubai

Delivering a baby without Maternity Insurance in Dubai can be very expensive. Delivery fees from January 2011, at UAE government hospitals are AED 5,000 for natural births, and AED 8,000 for caesarean section (previously AED 2,500 for natural birth and AED 5,000 for c-section).

If the patient does not have medical insurance in Dubai, it doubles to AED 10,000 for normal births and AED 16,000 for caesarean sections. Private hospital fees ranged from AED 6,000 to AED 25,000. Although many companies provide medical insurance in Dubai to their employees, the government has not yet made it mandatory (this is about to change in the near future).

This means that many couples who are planning to have babies should get maternity insurance in Dubai for themselves.

Key points to consider when buying Maternity Insurance in Dubai

1. What are the limits of the maternity insurance being offered?
2. Which hospitals are covered in the providers network list?
3. Are these hospitals close to where you live, in case of emergencies?
4. Are the hospitals in the list the type that you would be comfortable with?
5. Is there a waiting period involved before you can avail this benefit? Some insurers offer maternity insurance in Dubai without waiting period. Others have waiting periods of 10 months or more.
6. Does the plan over prenatal and postnatal costs?
7. Does the plan cover premature deliveries and incubation costs?
8. What are the limits of maternity cover being offered?
9. Is the maternity cover being offered as a cashless facility or on reimbursement basis?
10. Finally, is the insurer a reputed company that honors claims without hassles?
11. Do you have the time and patience to research amongst the numerous medical insurance providers?

Consequences of not having the right maternity insurance in Dubai

Not having maternity insurance in Dubai can turn out to be very expensive based on the costs mentioned above. There have been a number of horror stories of people having to pay a lot of money because their medical insurance plans did not cover maternity costs.

Not all medical insurance plans suit all individuals. Each person has different needs. This where our medical insurance department is able to help you by providing you quotes only from the providers best suited to your needs and free impartial advice.

More importantly, using us as a broker for your medical insurance does not increase your costs. We get compensated by the providers for the business and provide an extra level of service for administration and claims.

How to apply for Maternity insurance in Dubai

Please fill out the form below and leave the rest to us -

Incoming search terms:

• cesarean delivery in dubai costs without insurance (4)
• insurance comapnies providing only maternity cover in dubai (4)
• maternity insurance in dubai (4)
• hospital patient in uae (2)
• medical insurance in uae (1)
• no maternity insurance in dubai (1)
• maternity no waiting uae insurance (1)
• maternity insurance rejection dubai (1)
• no waiting period health insurance pregnancy uae (1)
• medical insurance companies in dubai with zero waiting period (1)

This is my second edit for this article – I get a lot of people asking me for directions to Wadi Wurayah. So I decided to rewrite this article with directions and GPS coordinates as well. I strongly advise people to have a GPS when attempting to reach Wadi Wurayah.

Before leaving make sure there is no chance of rains on the day you are traveling to Wadi Wurayah because of the danger of flash floods.

Checklist when driving to Wadi Wurayah

I have intentionally put in this checklist above the location so that you don’t miss it. Please make sure you have these in your 4×4.

1. Get Off-road insurance if you don’t have it when driving to Wadi Wurayah
   
2. Working GPS
3. Fully charged mobile phone (coverage is good in case you are stuck)
4. Drinking water (lots of it in case you are stranded)
5. Check your spare tire and ensure that it is properly inflated.
6. Deflate your tires to about 20 psi when going into the wadi or the drive will be too bumpy.
7. A proper 4×4 heavy-duty towing rope with hefty hooks.
8. A metal plate to support your car jack on soft ground
9. Tire inflator to inflate your tires after the trip (beware there are no petrol pumps nearby to re-inflate your tires)

Wadi Wurayah – Location

At Wadi Wurayah in my Wrangler.

Wadi Wurayah GPS Coordinates – N25° 23′ 45.83″ E56° 16′ 10.60″

Directions – To get there without a GPS, type the following “from: dubai airport to: 25° 23′ 45.83″ N  56° 16′ 10.60″ E”

in http://maps.google.com/maps?ct=reset,

and you will get turn-by-turn directions.

Fujairah is well known for its boulder-strewn wadis, which provide incomparable views — showing off emerald-green date orchards nestled between the towering Hajar peaks, which contain some of the oldest rocks in Arabia.

The turn-off to wadis and waterfalls is situated on the Dibba to Khorfakkan roadway that joins ‘Wadi World’.

Ham is the largest and longest valley that springs from the Masafi area and goes on for 30km. Some others are: Zakt in Dhidna, having an 8km course off the coast; Wadi Wurayah, a scenic spot that is the biggest tourist attraction in the north and has stunning cascades, including the Al Wurayah waterfall; and Wadi Tuwwain, which is 45km from the city and is accessible only by four-wheel-drive vehicles.

If these are not enough, you can also see Wadi Saham, Mai and Bashing and the spectacular Siji Wadi, which stretches to Al Zaid and Umm Al Quwain from the Al Hail area.

Rock crawling in Wadi Wurayah

Recently, we went to Wadi Wurayah to explore the famous waterfalls. Although the waterfalls are not something to write home about, the view is a change from the daily hustle and bustle in Dubai.

My Jeep Wrangler traversed the rocky terrain without any trouble. This area is best reached with a proper 4×4 but believe it or not, when I reached there, I saw taxi drivers from National taxi had reached there using two Toyota Camry’s.

I think these 8 guys must have destroyed the undercarriage of the taxis reaching there as the spot was pretty remote with huge stones covering most of the road.

All-in-all it was a fun trip and something I aim to repeat again this month with friends.

Visit this link to see more photos – Wadi Wurayah.

Incoming search terms:

• wadi wurayah (699)
• wadi al wurayah (241)
• wadi wurayah waterfall (217)
• Al Wurayah Waterfalls (150)
• wadi wurayah location map (73)
• Wadi Al Wurayah waterfalls (43)
• Wurayah Waterfall (39)
• wadi wurayah route map (39)
• wadi al wurayah map (32)
• wadi wurayah location (28)

So !!! your car insurance is about to expire, and it is that time of the year when you dread going out to shop for car insurance.

Car Insurance in Dubai

You want the best value for money but don’t have the patience to shop for the best car insurance in Dubai. Finding the best car insurance in Dubai is not easy.

There are lots of insurance providers who offer car insurance in Dubai, but how how do you know which offer is the best for you?

Car Insurance in Dubai – The Problem

• How do you know who is the cheapest car insurance provider?
• How many providers do you need to get a quote from to get a fair comparison?
• How many providers will you approach for a quote before you get fed up?
• Will you get a volume discount when you are only getting quotes for one car? Obviously not.
• Who will help you judge which car insurance quote is the best value-for-money?
• Are the benefits offered the same?
• Is there a no-claims discount possible?
• Is off-road cover important and/or necessary?
• Is Oman and/or GCC coverage required?
• Are events such as storms, flood, riots and civil commotion covered? Are they important?
• Who can offer impartial advice for free?

Finding the best car insurance in Dubai isn’t difficult anymore.

Car Insurance in Dubai – The Solution

Car Insurance in Dubai – Benefits of dealing with a broker

• As Independent insurance brokers we represent you as a client, not the car insurance companies.
• We are the biggest insurance brokerage in the region with huge volume discounts with the providers which we pass on to you.
• Our advice is impartial, and best of all – FREE.
• We only associate ourselves with the best insurance providers in the region in terms of quality of service and price. This gives you peace of mind.
• We can get you three or more car insurance quotes based on your requirements within a day or two, while you are in the comfort of your home.
• All the required documentation for the car insurance can be sent electronically, which means you don’t have to visit our office except to collect the policy.
• You can pay using credit cards for convenience.
• You will never pay us a single dirham – you pay the provider directly and you contract is with the provider directly not with us.
• Single point of contact – you NEVER have to approach the provider directly for service or claims. We have a dedicated hotline for all your insurance servicing needs including claims.
• Renewal of your car insurance policy and getting no claims discount is all done by us.

If you value peace of mind and less heartaches, just fill up the form below and we will do the rest. Finding Car Insurance in Dubai has never been easier, just fill out the form below and my team will arrange it for you.

Incoming search terms:

• insurance (14)
• car insurance (5)
• best car insurance in dubai (3)
• i want insurance policy in dubai (2)
• recommend car insurance dubai (1)
• how to get car no claim discount dubai (1)
• cheapest insurance in dubai (1)
• cheapest car insurance number dubai (1)
• car insurance dubai (1)
• which is the cheapest insurance in dubai (1)

Arnold is one of my role models and when he talks about Success, people listen. Here is my favorite picture of Arnold and a video with his speech on motivation.

Incoming search terms:

• arnold schwarzenegger (970)
• schwarzenegger (120)
• arnold swarchenegger (37)
• arnold (17)
• arnold schwarzenegger photos (14)
• arnold schwarzenegger 6 rules of life (13)
• arnold schwarzenegger 6 rules speech (13)
• arnold schwarzenegger images (11)
• ارنولد شوارزنجر (10)
• arnold schwarzenegger 6 rules (9)

What is linkedin

If you have ever received an email that says “Join my network on Linkedin”, you’ve probably wondered, ‘What is linkedin’. A simple answer is that it’s the world’s largest professional network, helping people find and share opportunities everyday.

But how is it relevant to you? Managing your career is just one reason to join linkedin. As you develop your professional profile, you establish an authoritative resource on your experience and capabilities, that lets people find you when they search the internet. In two minutes, you’ll be up and running with the most important page on the web you’ll ever have.

Do you know what people find when they google your name? By learning what is linkedin, and having a profile on linkedin, you will have more control over what appears in google results, and having a robust profile encourages people to approach you with opportunities.

Many of your contacts are already on linked, and you can reconnect just by uploading your address book. This lets you stay in touch even as your contacts change jobs and email addresses. Your reputation is summed up by the relationships you’ve developed over your career.

Linkedin helps you maintain these relationships authentically. In addition, when you want to make new business connections, you can find people using linkedin search tool, then see who you know in common. This makes it easy to request an introduction from your trusted connections.

What is linkedin

You can also join a linkedin group where professionals in your field discuss issues and solve problems related to your industry. Link to your twitter account, share tweets with your professional network, both from Linkedin to twitter and vice-versa.Use linkedin’s mobile application to stay current with your network wherever you are.These are just a few features that help you get the most out of linkedin.

Whether you are working in an office or on the go, Linkedin keeps you in touch with the people that matter to your career, and since signing up is free, Linkedin just might be the best investment you’ll ever make in your career.

Visit http://linkedinprofits.info to learn how to maximize your profits by using linkedin. I hope you have learned more about ‘What is linkedin’, on this page.

Incoming search terms:

• what is linkedin ? (11)
• what is linkedin (9)
• what is linked-in (2)

Google Instant

Google recently introduced their “Instant Search” feature called Google Instant which starts to populate search results the instant you start typing into the search box.

At the same time, Google Instant suggests alternate search terms as you type to help narrow your search without forcing you to enter entire search phrases. The main idea behind Google Instant is to save users a few seconds on each search and cut down on misspellings for search terms, business names or product names.

Users may not notice much difference in their overall experience, however, for small businesses and online entrepreneurs, Google Instant carries a few interesting ramifications.

Since Google clearly ranks as the “900 lb. Gorilla” of the online marketing world, acting as de-facto gateway to the Web for millions, any change to their system makes businesses nervous. Many have expressed concern that Google Instant will force users of Google’s AdWords program, the search giant’s lucrative pay-per-click marketing arm, to pay for more expensive keywords.

They reason that since the most popular search terms appear in the search box first, and that most people will opt to accept Google suggestions, those most popular searches will carry the highest click prices. In other words, businesses that depend on Google to show their ads fear that Google Instant will force them to pay more money by recommending more expensive keyword searches.
I disagree.  The suggested search term feature actually appeared on Google quite a while ago, and all that’s really changed is Google Instant starts to display the actual search results AS you type. With the old 2-step process, Google made suggestions as you typed and then you clicked the search button to see the search results. Google Instant just creates a FAST way to see the results for different search variations without forcing you to click the button each time to see those results.

This process pioneered in Google Instant makes it simple to see the results, change your mind, and not wait for the results each time you change the phrase. My experience shows that most people always start with a broad search and then narrow it by including more descriptive terms (often called “long-tail” keywords) to better find what they want. Google Instant won’t change that. In fact, it will give people more chances to refine their searches on-the-fly by providing Google more details of what they want.

Instead of posing a threat, I believe Google Instant creates an opportunity for any business to perform high-speed market research to look for possible opportunities and trouble spots.

What to do to get better visibility with Google Instant

The following four steps will help any small business use this new feature of Google Instant for instant results.

1. Go to Google and search for your business as if you were a consumer.
2. Make a note of the keyword suggestions Google Instant offers as you type.
3. See if those suggestions give you any ideas for your own marketing (since they should represent the most popular phrases).
4. Note which competitors show up and where you appear in relation to them.

These 4 simple steps make a great barometer for taking a read on your local market, fast. Who appears consistently? Who shows up hit-and-miss or every once in a while? Who shows up in Google Maps? If your competitors show up and you don’t, you’ve got some work to do!

Bottom line: as a small business, use Google Instant to quickly get the big picture when it comes to your business, industry, and local competition.

Home

Google Instant

Incoming search terms:

• search (2)
• Instant Result Feature (1)
• Start Google Search (1)