Why You Need Cyber Insurance for Your E-Business

Every year many companies have been losing revenue amounting to millions of dollars due to cyber crime and security breaches on information stored in their computers. Examples of the crimes that contribute to this loss include information that goes to the wrong hands, destroyed data, vital information being accessed by the wrong people, and viruses' attacks. Others include monetary fraud and active wire tapping. Many of those who hack a system do this due to motivation by challenge to access information in a system not meant for them. In spite of the presence of the so called firewalls which play a major role in curbing stealing of data or its destruction, computer security is still not at its best. A lot needs to be done to curb the menace and control its spread.

This is the reason why e commerce insurance is very much needed to help and address this problem. Cyber insurance is vital because it helps companies avoid going into financial losses resulting from website hacking. Companies are therefore left with no option but to insure their websites against such online crimes. This is where cyber insurance comes in. The need to protect your e commerce business is of paramount importance when one comes to the realization of the dangers posed by website hackers and the amount of money that is likely to be lost.

Ordinary insurance companies rarely have insurance packages covering such crimes since many of them offer policies only based on physical assets. Many of them are at odds to describe cyber risks insurance cover and those few that may opt to cover such risks will not include loss incurred due to online security lapses.

Online crimes linked to advertising, content duplication and monetary fraud are all unknown to the ordinary insurance companies. They do not cover losses incurred due to a hacked system, or compensate a business that has been closed as a result of these hackers.

Advantages of cyber insurance.

Today many insurance companies are aware of the benefits of technological advancement on the growth of online businesses and are warming up to them by shielding them from risks resulting to cyber crimes. They have now come up with packages specifically directed to online businesses.

One of the advantages of having your business covered against cyber crimes is that your business is secured from website hacker's intent at destroying it. This means that you do not run your business under the fear of losing it to online criminals. Financial loses that may result from such hacks are well taken care of.

The other main advantage is that your data is protected against an attack by viruses. This is because many insurance companies now offer protection for your online information against virus attacks.

These and many more make cyber insurance the ultimate solution to curbing online crimes committed against e businesses.This is why its advisable to insure your online business against such crimes to avoid loses and imminent closure.

These and many more make cyber insurance the ultimate solution to curbing online crimes committed against e businesses.This is why its advisable to insure your online business against such crimes to avoid loses and imminent closure. If you want to insure your website against all manner of cyber crimes such as website hacking and virus attacks visit websiteisurance UK for the best services.

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Will Simulators Take Over Flight Training?

The application of technology has today gone way beyond anything we could have imagined 15 or 20 years ago. One of the amazing technological developments we have seen develop over the years is flight simulators. Even though simulators have been in use as far back as World War One, today's simulators are extremely advanced and realistic. This advancement and realism has brought forth the debate as to what the role of simulators is in flight training and whether they help improve the skills of pilots who use them.

Those who are pro simulators have argued that these devices are now good enough to take the place of real flight in the training of pilots. Aviation regulators and many other players are not for the idea and consider this option to be quite extreme and lacking in a number of areas relating to the flying experience. There is no doubt that a number of benefits can be gained from using flight simulators in pilot training but to many people in the industry they are not yet at a level where they can replace the practical flying lesson on a real airplane.

Cost is one of the main benefits cited by those who argue that simulators are a viable replacement to the aircraft experience. It is argued that the simulator will offer a very realistic flying experience without the costs of fuel and flight maintenance as would be required for a real airplane flight. Another aspect of cost is in man-hours lost due to environmental factors that may interrupt or lead to cancelation of flying lessons when using an aircraft. Anyone using a simulator will not be affected by weather or other external factors.

Another factor that is argued by those advocating the use of simulators is that students can get to see the actual consequences of their action or inaction without the safety concerns that would arise when on a real aircraft. The experience is realistic enough to send the message across to the student without putting them or others in actual danger. Flying a real aircraft will demand the immediate intervention of the instructor even before the action is executed.

Despite having so many benefits, simulators have some very obvious flaws. They do not encompass the entire flying experience as would happen in the real world. Things such as noise levels may seem like a small matter but for some individuals this one factor alone could significantly affect and influence their ability to handle an aircraft. In addition to this, the simulator will not give the exact feel of flying. Just like driving or steering a boat, flying requires the pilot to be able to connect with the airplane and factors that affect flying in particular areas, under certain weather conditions and in different types of aircraft.

Simulators have come a long way from the pre World War One training rigs to the computerized full flight simulators of today. Even so, there is still a lot of work to be done before they are ready to completely take over the training of pilots who can then be certified as flight ready.

As a bush and aerial survey pilot. I have been through the entire process of pilot training from a Private Pilot License, Instrument Rating through to a Commercial Pilot License.

I know how hard it is to break into the aviation industry when one has little or no experience. I have therefore created website and aviation information directory: Global Aviation Guide, for pilots, flight engineers, cabin crew, and aviation enthusiasts. At the Global Aviation Guide website you will find a wealth of aviation articles, aviation jobs, flight schools, and general aviation information.

I have worked in various career fields most recently as an Instructional Designer and Technical writer. This helps me understand the importance of creating and writing quality articles and providing quality information. Find quality articles that I have created on the Global Aviation Guide website: http://www.globalaviationguide.com/articles/

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Would You Buy Life Insurance During Tough Times?

The economy is plummeting, some of the companies close down and some employees are laid off. Where will the situation leave thriving insurance firms? Will the lucky ones who have been given the opportunity by their employees to stay still care about buying life insurances? During tough times, it is understandable to give essential needs a first priority. However, it would make more sense that you buy a life annuity during an economic downturn. Why? Below are the reasons.

• You can save through it for emergency situations. -it is not likely that a recession will last for just a week. More often than not, it takes years before the economy improves and before it gets better, it will turn for the worst. When the government does not have enough budgets, the services extended to the people will be insufficient too. It is probable that only a few people will be covered with medical assistance. In the event that you develop a terminal illness and you do not have enough funds for medical bills, chances are your days would be shortened. This is where a life annuity will come in handy.

• A life insurance can function as your "financial parachute." -on tough times, you have a greater need of providing for your future, or in this context, for the future of your family when you breathe your last breath. You have all the more reasons to purchase life annuity if you are the bread earner of your family as surely, they will be defenseless against emotional cost and burial and everyday living expenses. Upon your demise, the flow of income will surely stop.

• It can be a form of protection and security. -this is the reason why insurance firms boom even when there is an economic downturn. Mass layoffs create a little panic among the people. They would seek refuge on life insurances. It provides them a sense of security from the deflation and inflation. The panic buying can also be linked to the fear of being sick which can eventually lead to death. Unpaid utility bills and credit card dues can certainly bring about stress to anyone.

So you have decided that you would buy a life annuity even if there is a recession. The question now is what you need to look for in purchasing one? There are quite a number of factors that you ought to take into account. Below are some more useful tips that can help you out so that you can be certain that you are not putting your money into waste.

• Choosing the type of life annuity -there are two types of life insurance; the group and individual. The first refers to a group of people that would be insured. Often, it is one of the employee's non-cash benefits. On the other hand, the individual type is buying an insurance on your own. In this alternative, you need to subject yourself on medical examinations. Also, you might be asked to submit a medical history of your family. This is better than the other as you can take it with you when you shift to another job and you can tailor it to address your specific needs.

• Opt for a convertible life insurance. -a life insurance can be converted to another policy without the need to undergo insurability assessment for the second time. This applies often to term life insurances. Converting is helpful if the insured individual is on their 60's. This is because more often than not, some insurance firms do not allow seniors to renew a policy when they turn 70.

• Make sure that you do understand the features of your policy before you buy it. -there are many people that commit the colossal mistake of buying life insurance blindly. It is imperative that you are familiar with how your policy works. The specifications about the beneficiary must be clear to you. You ought to know if you could name and/or change it. Are the proceeds from the insurance upon your demise tax-deductible? What does it cover? Does it include disability insurance?

Buying life insurance on such tough times is indeed rational. However, it will require you to set aside some of your wants in order to accommodate another monthly payment. In addition, if ever you decide to buy one, make sure that your needs will be met. Life insurance is a good investment if you will be smart enough in buying.

Article by David Livingston of EQuote, who is a specialist in everything life insurance. For more information on instant term life insurance, visit his site today.

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