[et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”3.22″][et_pb_row admin_label=”row” _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_image src=”http:\/\/kidsinitiativeuae.com\/wp-content\/uploads\/2018\/04\/20180403_2428giggles.jpg” _builder_version=”4.4.1″ hover_enabled=”0″][\/et_pb_image][et_pb_text admin_label=”Text” _builder_version=”3.27.4″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”]<\/p>\n
Many people race through everyday life on autopilot, getting on with it. But when was the last time you stopped and assessed your current situation? Often we do this when something awful happens to a friend, colleague or family member. It\u2019s that painful reminder that we\u2019re maybe not as well protected as we need to be. This is not just financial in terms of where you are, how you\u2019re doing and where you\u2019re heading, it\u2019s also about feeling safe and ensuring your family is secure.<\/p>\n
Expats make up 80% of the UAE population, so by their very nature, are living in a jurisdiction where the laws of their home country don\u2019t apply. For example, the common law that\u2019s adopted in the UK and other parts of the world is not applicable here, but people don\u2019t stop to think about how this may impact expats in a host of areas.<\/p>\n
<\/p>\n
Although it\u2019s unpleasant to think about, you need to plan ahead and put steps in place should something happen to you and\/or your family whilst living in the UAE.<\/p>\n
<\/strong><\/p>\n Finsbury Associates, through the\u00a0Kids Initiative<\/a>, can offer the\u00a0ICE plan<\/b>\u00a0service free of charge.<\/p>\n <\/p>\n Peace of mind isn\u2019t something you should procrastinate over.<\/strong><\/p>\n Not everybody needs a UAE Will, but if you own property, have a stake in a UAE company, or hold considerable assets in the UAE, this is essential. Your home country Will is not enough as Sharia Law will take precedence and may mean your assets aren\u2019t split as you would wish. In order for your own Will to be activated, it needs to go through the Dubai Courts. Your assets will be frozen while this process takes place and the cost can be extremely high.<\/p>\n <\/p>\n Ignoring this area could turn your whole world upside down if the worst were to happen. We\u2019ve seen it happen first hand here and in our home countries, and thankfully we\u2019d ensured our clients had the correct solutions in place.<\/p>\n In short, the vast majority of corporate benefits in the UAE are lacking when it comes to safety nets. Most have a level of life cover in place, to pay a lump sum of money to your spouse or dependent(s) if you were to pass away, but 9 times out of 10 this is calculated on a multiple of your \u00a0base salary<\/b>, not including allowances or other employment income that makes up your total salary.<\/p>\n The vast majority of people won\u2019t die before they finish their working lives, but more and more people will suffer a critical illness that will knock them for six, and could result in lost income indefinitely. Cancer, heart attack, stroke, Alzheimer\u2019s disease, Parkinson\u2019s disease\u2026 the list is lengthy. Don\u2019t blur the lines between decent medical cover and a life or critical illness policy \u2013 they\u2019re not the same, despite many thinking they are. Many only realising when it\u2019s too late. \u00a0Too often, people in the UAE have a shortfall in this area, and don\u2019t even know where to start when it comes to calculating what sum will be required. It\u2019s essential to\u00a0speak to an expert<\/a>\u00a0 to ensure you have the right cover.<\/p>\n <\/p>\n Do you know the finer points of what, where and how your corporate medical cover looks after you and your family if you were to get sick or injured?<\/p>\n This is so important.<\/b><\/p>\n Our team at Beneple work with HR managers to educate them on the merits of taking out the most appropriate group medical cover, whether that be tiered by employee, include specific options like optical and medical or simply be a basic policy to ensure all employees are covered.<\/p>\n For those with families, it is vital you are all covered in the event of an emergency. Kids have accidents no matter how hard we try and protect them, and with families travelling more often than the norm in the UAE, the risk of common colds and infections is much more significant. See how our team can help you\u00a0here<\/a><\/p>\n <\/p>\n Would you be confident in\u00a0your\u00a0<\/b>ability to perform CPR on an infant or child in the event of an emergency? Would you be able to stop your child from choking if no other first-aider was around?<\/p>\n Our sister company\u00a0Safe Hands<\/a>\u00a0specialise in first-aid training & wellness, and have conducted over 1,500 first-aid courses and initiatives here in the UAE. Many attendees have had to use their skills learnt in what could otherwise have been a terrible situation.<\/p>\n Many companies, schools, nurseries and communities across the UAE are taking part and hosting workshops for their parents and staff to introduce these life-saving skills.<\/p>\n <\/p>\n You may already have a business continuity plan in place as part of your business plan. This ensures its future if things go wrong, however have you considered what happens if you lose a key member? You should always consider insuring against the loss of your most important business assets \u2013 your key employees.<\/p>\n <\/p>\n <\/p>\n [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":" [et_pb_section fb_built=”1″ admin_label=”section” _builder_version=”3.22″][et_pb_row admin_label=”row” _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”][et_pb_column type=”4_4″ _builder_version=”3.25″ custom_padding=”|||” custom_padding__hover=”|||”][et_pb_image src=”http:\/\/kidsinitiativeuae.com\/wp-content\/uploads\/2018\/04\/20180403_2428giggles.jpg” _builder_version=”4.4.1″ hover_enabled=”0″][\/et_pb_image][et_pb_text admin_label=”Text” _builder_version=”3.27.4″ background_size=”initial” background_position=”top_left” background_repeat=”repeat”] Many people race through everyday life on autopilot, getting on with it. But when was the last time you stopped and assessed your current situation? Often we do this when something awful happens to […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"[av_one_full first min_height='' vertical_alignment='' space='' custom_margin='' margin='0px' padding='0px' border='' border_color='' radius='0px' background_color='' src='' background_position='top left' background_repeat='no-repeat' animation='' mobile_breaking='' mobile_display='']\r\n[av_image src='http:\/\/kidsinitiativeuae.com\/wp-content\/uploads\/2018\/05\/20180403_2428gigglesCan.jpg' attachment='4174' attachment_size='full' align='center' styling='' hover='' link='post,1' target='' caption='' font_size='' appearance='' overlay_opacity='0.4' overlay_color='#000000' overlay_text_color='#ffffff' animation='no-animation' admin_preview_bg=''][\/av_image]\r\n[\/av_one_full]\r\n\r\n[av_heading tag='h3' padding='20' heading='How safe do you feel?' color='custom-color-heading' style='' custom_font='#b56183' size='' subheading_active='' subheading_size='15' custom_class='' admin_preview_bg='' av-desktop-hide='' av-medium-hide='' av-small-hide='' av-mini-hide='' av-medium-font-size-title='' av-small-font-size-title='' av-mini-font-size-title='' av-medium-font-size='' av-small-font-size='' av-mini-font-size=''][\/av_heading]\r\n\r\n[av_three_fourth first min_height='' vertical_alignment='' space='' custom_margin='' margin='0px' padding='0px' border='' border_color='' radius='0px' background_color='' src='' background_position='top left' background_repeat='no-repeat' animation='' mobile_breaking='' mobile_display='']\r\n[av_textblock size='' font_color='' color='' av-medium-font-size='' av-small-font-size='' av-mini-font-size='' admin_preview_bg='']\r\nMany people race through everyday life on autopilot, getting on with it. But when was the last time you stopped and assessed your current situation? Often we do this when something awful happens to a friend, colleague or family member. It\u2019s that painful reminder that we\u2019re maybe not as well protected as we need to be. This is not just financial in terms of where you are, how you\u2019re doing and where you\u2019re heading, it\u2019s also about feeling safe and ensuring your family is secure.\r\n\n
\n
2- SETTING UP YOUR WILL \u2013 What would happen to your assets in the UAE?<\/b><\/h4>\n
3- LIFE COVER AND CRITICAL ILLNESS COVER \u00a0\u2013 What would happen to your family if you died?<\/b><\/h4>\n
4- MEDICAL COVER \u2013 What would happen if you got sick and couldn’t afford medical care?<\/b><\/h4>\n
5- \u00a0FIRST-AID \u2013 What would you do if your child started choking?<\/b><\/h4>\n
6- PROTECTING YOUR BUSINESS \u2013 What would happen if you, a business partner, or a key person of the team were to suffer a critical illness or pass away?<\/b><\/h4>\n
DON\u2019T HAVE A SHORTFALL WHEN IT COMES TO PROTECTION.<\/b><\/h2>\n
<\/b><\/h2>\n
MAKE SURE YOU AND YOUR FAMILY ARE SAFE!<\/b><\/h2>\n
WHAT WOULD YOU DO IF\u2026?<\/b><\/h3>\r\nExpats make up 80% of the UAE population, so by their very nature, are living in a jurisdiction where the laws of their home country don\u2019t apply. For example, the common law that\u2019s adopted in the UK and other parts of the world is not applicable here, but people don\u2019t stop to think about how this may impact expats in a host of areas.\r\n
<\/h4>\r\n[\/av_textblock]\r\n[\/av_three_fourth]\r\n\r\n[av_textblock size='' font_color='custom' color='' av-medium-font-size='' av-small-font-size='' av-mini-font-size='' admin_preview_bg='']\r\n
Here are our top things to consider when looking at staying safe and secure in the UAE:<\/h3>\r\n
\r\n1- ICE PLANNING (IN CASE OF EMERGENCY) \u2013 What would happen to your children, if something happened to you or your husband?<\/b><\/h4>\r\nAlthough it\u2019s unpleasant to think about, you need to plan ahead and put steps in place should something happen to you and\/or your family whilst living in the UAE.\r\n
There are a number of different steps involved to do this properly:<\/strong><\/h4>\r\n
\r\n \t
\r\n \t
2- SETTING UP YOUR WILL \u2013 What would happen to your assets in the UAE?<\/b><\/h4>\r\nNot everybody needs a UAE Will, but if you own property, have a stake in a UAE company, or hold considerable assets in the UAE, this is essential. Your home country Will is not enough as Sharia Law will take precedence and may mean your assets aren\u2019t split as you would wish. In order for your own Will to be activated, it needs to go through the Dubai Courts. Your assets will be frozen while this process takes place and the cost can be extremely high.\r\n
3- LIFE COVER AND CRITICAL ILLNESS COVER \u00a0\u2013 What would happen to your family if you died?<\/b><\/h4>\r\nIgnoring this area could turn your whole world upside down if the worst were to happen. We\u2019ve seen it happen first hand here and in our home countries, and thankfully we\u2019d ensured our clients had the correct solutions in place.\r\n\r\nIn short, the vast majority of corporate benefits in the UAE are lacking when it comes to safety nets. Most have a level of life cover in place, to pay a lump sum of money to your spouse or dependent(s) if you were to pass away, but 9 times out of 10 this is calculated on a multiple of your \u00a0base salary<\/b>, not including allowances or other employment income that makes up your total salary.\r\n\r\nThe vast majority of people won\u2019t die before they finish their working lives, but more and more people will suffer a critical illness that will knock them for six, and could result in lost income indefinitely. Cancer, heart attack, stroke, Alzheimer\u2019s disease, Parkinson\u2019s disease\u2026 the list is lengthy. Don\u2019t blur the lines between decent medical cover and a life or critical illness policy \u2013 they\u2019re not the same, despite many thinking they are. Many only realising when it\u2019s too late. \u00a0Too often, people in the UAE have a shortfall in this area, and don\u2019t even know where to start when it comes to calculating what sum will be required. It\u2019s essential to\u00a0speak to an expert<\/a>\u00a0 to ensure you have the right cover.\r\n
4- MEDICAL COVER \u2013 WHAT WOULD HAPPEN IF YOU GOT SICK AND COULDN\u2019T AFFORD MEDICAL CARE?<\/b><\/h4>\r\nDo you know the finer points of what, where and how your corporate medical cover looks after you and your family if you were to get sick or injured?\r\n\r\nThis is so important.<\/b>\r\n\r\nOur team at Beneple work with HR managers to educate them on the merits of taking out the most appropriate group medical cover, whether that be tiered by employee, include specific options like optical and medical or simply be a basic policy to ensure all employees are covered.\r\n\r\nFor those with families, it is vital you are all covered in the event of an emergency. Kids have accidents no matter how hard we try and protect them, and with families travelling more often than the norm in the UAE, the risk of common colds and infections is much more significant. See how our team can help you\u00a0here<\/a>\r\n
5- \u00a0FIRST-AID \u2013 WHAT WOULD YOU DO IF YOUR CHILD STARTED CHOKING?<\/b><\/h4>\r\nWould you be confident inyour<\/b>ability to perform CPR on an infant or child in the event of an emergency? Would you be able to stop your child from choking if no other first-aider was around?\r\n\r\nOur sister company\u00a0Safe Hands<\/a>\u00a0specialise in first-aid training & wellness, and have conducted over 1,500 first-aid courses and initiatives here in the UAE. Many attendees have had to use their skills learnt in what could otherwise have been a terrible situation.\r\n\r\nMany companies, schools, nurseries and communities across the UAE are taking part and hosting workshops for their parents and staff to introduce these life-saving skills.\r\n
6- PROTECTING YOUR BUSINESS \u2013 WHAT WOULD HAPPEN IF YOU, A BUSINESS PARTNER OR KEY PERSON OF THE TEAM WERE TO SUFFER A CRITICAL ILLNESS OR PASS AWAY?<\/b><\/h4>\r\nYou may already have a business continuity plan in place as part of your business plan. This ensures its future if things go wrong, however have you considered what happens if you lose a key member? You should always consider insuring against the loss of your most important business assets \u2013 your key employees.\r\n
DON\u2019T HAVE A SHORTFALL WHEN IT COMES TO PROTECTION. MAKE SURE YOU AND YOUR FAMILY ARE SAFE!<\/b><\/h2>\r\n[\/av_textblock]","_et_gb_content_width":""},"categories":[25,7,24],"tags":[30,26,27,29,28],"yoast_head":"\n