Risks lurk everywhere – be it at work, on the road or in your own home. Term insurance can help cushion financial losses in the event of a bad event. But what types of term insurance are available and how do they work?

In this article, we have compiled everything you need to know about term insurance. Whether it’s accident insurance, disability insurance or daily sickness benefits insurance, we’ll explain the differences and help you buy the policy that best suits you.

Drivers know the problem: car insurance can be an expensive item. But there are ways to save money without sacrificing important aspects of insurance.

A first step can be to compare the different offers of insurance companies. But even within a contract, there are ways to save money.

An accident with your father’s car can be an unpleasant experience – especially when the damage is extensive and you wonder who will pay for it. In such cases, it is important to know how the insurance company stands and which costs it will cover.

As a general rule, if the accident was not caused intentionally, the vehicle’s liability insurance will settle the claim. The question, however, is how high this regulation will turn out to be and what costs may still be incurred by the driver.

It seems like a scene from science fiction movies, but experts have actually suggested that it is time to insure against possible attacks from alien vehicles.

The idea of taking out insurance against UFO attacks was presented by a team of scientists, psychologists and UFO enthusiasts who believe that this type of insurance is necessary to protect against unforeseen events. The experts argue that the increasing reports of UFO sightings and alien encounters are a signal that people need to protect themselves from possible collisions or damage to their cars.

The statutory health insurance (GKV) is an obligation for every employee and self-employed person in Germany. However, if planning a longer stay abroad, it may be necessary to cancel the insurance in order to save money while traveling. In this case, it is important to know which rules apply when terminating and resuming GKV and what options are available to have sufficient health insurance abroad.

The German health care system has clear rules regarding the termination and resumption of statutory health insurance. In principle, termination during a stay abroad is usually possible if the insured person moves his residence abroad or plans a longer stay. In such cases, however, the insured person must take out a suitable substitute insurance policy in order to be covered in the event of an emergency.

As a company, it can happen that a liquidity shortage suddenly occurs. This means not having enough cash left to pay the costs and liabilities that arise. Such a shortage can have serious consequences for the company, so it is important to take action as soon as possible to get out of the crisis again. In this article, you will learn about the ten steps that can help you bridge a liquidity shortage.
A first important step is to optimize receivables management. Consistent debt collection can ensure that outstanding payments are received more quickly, improving the liquidity of the business. Avoiding late payments and offering discounts can also help customers pay faster.
Another important aspect is cleaning up the balance sheet. You may have accumulated assets over time that are no longer needed or profitable. Selling these assets can increase the company’s liquidity and optimize the balance sheet structure at the same time.

Prioritize invoices

When a cash shortage is imminent, businesses should prioritize their invoices to ensure that key payments are made on time.

There are few things in life that can be as expensive as saving money in the wrong place. This is especially true for auto insurance, which is one of the largest monthly expenses for many people.

The problem with car insurance is that most people think they can save money by buying cheap insurance. However, this decision can actually lead to an unexpected increase in costs.

A redemption suspension insurance can be concluded in the form of a life insurance and a bullet loan. This type of insurance offers many benefits and can help borrowers reduce their monthly installment payments.

A life insurance policy is taken out which acts as a suspension of repayment insurance and secures the repayment of the loan in the event of the death of the insured person. Installment payments are reduced or even suspended during the term of the loan, as a certain amount from the life insurance policy is used to repay the loan.