Re

Reemergence Student Essay Inspiration to Return to SchoolI chose at that point that I would come back to class and graduate with my bachelor?s certificate. I made a guarantee to myself that I would complete my instruction. On the off chance that I complete my instruction, I would make my folks glad for me. Additionally, I need to be the principal individual on either side of my family to go to graduate school. Grown-ups come back to school fundamentally on the grounds that they want a more lucrative vocation or an expert activity. This could be an enlisted nurture, a grade teacher, a police officer or a lawyer. It could likewise be a bookkeeper, a columnist, a custodian, an inside decorator or a beautician (Smith, 2001). In the wake of being out and about for a long time, I chose to look into coming back to school at the University of Delaware and the University of Pennsylvania. The two colleges educated me that I would need to retake my initial two years that I had finished at Chattanooga State. I would need to submit for another four to six years of school. I didn't have the opportunity to do this. I needed to be done with my bachelor?s certificate inside two years if conceivable. In this way, later, when they understand that their decisions are restricted, their prospects fixed or semi-gelled, they conclude that school is the place they should be (Smith, 2001). I had made game plans for a loft before I had moved, so all I needed to do was trust that the moving van will get my furnishings. I went searching for work and found a situation with the Veterans Affairs. While I was unloading and settling in, I rounded out and presented my administrative work for UTC. Following half a month, I got a reaction from UTC expressing that I was acknowledged and could begin fall semester. I was so amped up for completing my instruction. My major was Healthcare Administration. More seasoned ladies those in their mid-20s and more established coming back to school make up better than half of the night enlistments in region universities. Nontraditional understudies are for the most part in their mid-20s to mid-40s, enlisting low maintenance versus full time. They for the most part go to night classes and have occupations and family commitments to offset with their examinations (Richards, 1999). During the gathering with my counsel, I was exhorted that I would take an additional ten to fifteen classes before I could graduate. I was taking a gander at the list at the course I could take and the counsel instructed me to take my rookie classes first before getting into significant classes. I felt free to pursue history, creation, and brain science. I could just keep up a fulltime status however I proved unable. I wound up with just nine hours. As of now, I was starting to become discouraged in light of the fact that I realized that I would not have the option to complete school in a few years. More ladies are coming back to school, Richards said. They have vocation openings that didnt exist 20 years prior when they moved on from secondary school and they didnt then think about heading off to college. On the off chance that somebody postpones advanced education, its typically a lady that does it. The greater part of the approaching nontraditional understudies have an away from of where they need to go and what they need to concentrate on (Richards, 1999). Fall semester finished and I had kept up a B normal. I felt free to pursue spring semester, which included history II, math, and one class in my major. Subsequent to going to school for a little while, I chose to drop my math class and class in my major. I was getting exceptionally discontent with UTC. I looked forward to perceive what I could take for summer meeting and there was just one class I could take. How might I get done with a class plan like this?Difference of Classroom Setting ? past versus presentAn singular m an or lady who concluded that they wouldn?t let their choices, conditions, dread or circumstance prevents them from acquiring their fantasies. This is something to be pleased with and to support. All through life individuals are confronted with an assortment of obstacles. How they decide to beat these obstacles decides if they become fruitful or not, it would be decent if there was a guidance manual to disclose to one how to be effective, how to defeat these obstacles. One of the most troublesome obstacles confronting individuals today is school. Periodically individuals go into school with their eyes shut firmly, which means they are absolutely not ready for what lye?s ahead. There are numerous difficulties to be confronted. Be that as it may, kindly recall that nothing worth having is anything but difficult to get (Smith, 2001). School courses require more exertion and concentrating than secondary school. Numerous understudies can't change their considering propensities, which cou ld prompt disappointment. Numerous classes require a few hours out of each day of examining. Being the understudy, I need to attempt to remain in front of the chose readings as well as schoolwork, yet in addition discover sufficient opportunity to do the entirety of this and put in a forty hour work week. Various classes require various techniques for considering. Arithmetic and science require working issues and models. History includes setting perusing just as retaining a few dates or occasions. English requires composing articles and expand perusing. These are only four instances of the different aptitudes it takes to get effective. Being fruitful as an understudy and a full time representative takes a great deal of assurance with respect to the understudy (Meeks, 2000). I possess to make energy for each part of life which incorporates critical thinking at work and school. As I proceed with school, I should decide precisely how much time I should spend on examining and what strategies to approach doing this. youngster misuse EssayThe educators at UTC have a class size of forty understudies or more. By having a class of this size, there can be a one on one guidance from the teacher. On the off chance that you are having issues in class, the teacher is difficult to contact. They are keep abnormal available time, educate else where, or an assistant teacher that makes some day memories position. Individual AdjustmentsThe modifications that a grown-up understudy needs to vanquish are inside themselves. In the event that an understudy is not kidding about accomplishing a four year certification, at that point the understudy will conquer any tensions that may come. Regardless of whether it is defeating the feelings of trepidation of open talking or the dread of composing a twenty page paper, the understudy conquers their individual dread to accomplish their objectives. Recall that your family doesn't completely comprehend what you are experiencing. Do whatever it takes not to be disturbed if yo ur life partner or youngsters are angry or desirous of your leisure time. Accept it as a commendation that they miss you and need to invest energy with you (Meeks, 2000). Nontraditional understudies (any understudy beyond 25 years old) are running to a large number of the countries establishments of higher figuring out how to profit themselves of the advantages of an advanced degree. Nonetheless, the life of a nontraditional understudy is generally very not the same as one recently out of High School. Periodically, school life is more hard to adjust for the more established understudy, shuffling school classes, school necessities, and last, most important tests with the occasionally progressively complex issues of life itself (Meeks, 2000). My own instabilities that I confronted were the main couple of evenings of class. I was uncomfortable with my colleagues and I was not sure on the off chance that I could satisfy the prerequisites of the Quest program itself. In the wake of conquering the underlying feelings of trepidation, I was accomplishing my objectives. My nerves have waver to the over whelming feeling that I can do this all alone. I have studied myself than I ever could have envisioned. I have developed as an individual truly and profoundly. My future looks splendid as I come nearer to completing my bachelor?s qualification. Accomplishing objectives requires significant investment the executives to another importance. Get ready before you go, indeed, at that point simply give a valiant effort and appreciate an extremely important a great time (Adams, 2001). My objectives are set each week with the schoolwork that I should submit. Making a period plan for every week requires some serious energy yet it is ascerta inable. There might be an additional variable every once in a while, yet that?s not out of the ordinary. I work around my work routine, family time, schoolwork time, and uninterrupted alone time. I have a simpler time of this than generally because of the way that I am single and no kids. My time timetable can change and not ruin my schoolwork time. Give yourself a lot of time to finish assignments. Most educators will give out a course prospectus (calendar and necessities) toward the start of the term, so understudies will recognize what's in store. Make notes of extraordinary assignments, tests and uncommon ventures and when they become due. Attempt to begin these unique undertakings and assignments early. Albeit each understudy will once in a while have issues completing a task or making it to a test, more established understudies with extra duties of family and work may get themselves bound to hit an obstruction than more youthful understudies. Once more, stay in contact with yo ur educators! This could mean the distinction in having additional opportunity to finish a task or test, or taking a bombing grade for something missed because of conditions outside your ability to control (Richards, 1999). Stress, what can be said for this. I for the most part adapt to my worry by viewing a film, cross sewing, or going out with companions. I have more worry from work than I do from school. It appears the main time that I have truly gone under worry from school is recorded as a hard copy a major paper. In any case, on the off chance that I take it gradually ordinary, the pressure is diminished since I have been chipping away at the paper the whole time. It just takes practice to lessen feelings of anxiety and I accept that I have achieved this through preliminary mistake. Above everything else, simply act naturally. Consider school essentially one part of your life, as opposed to making it your whole life. This will assist you with keeping everything in context (Richards, 1999). Tentative arrangements/Goals As far as my tentative arrangements are concerned, I might want to go to graduate school. In the event that I could accomplish this, at that point anything is possible for me. Four year certification holders win almost twice as a lot over their lifetime than somebody with a secondary school recognition. For some

Analysis of The Dead Trilogy directed by George Romero essays

Investigation of The Dead Trilogy coordinated by George Romero articles The set of three starts with 'Night of The Living Dead', this was discharged in 1968. It had an extremely little spending plan ($114,000). The fundamental character is dark, which was a colossal forward leap back then. The entirety of the principle characters are slaughtered in this film, including the dark man; he is executed at the end by a redneck. At long last credits we see the dark man lying on the floor, dead, with a meat snare over his head, this is profoundly emblematic. This shows how mise-en-scene helps executives to communicate as the need should arise. The second piece of the set of three is 'Day break of The Dead', this was discharged in 1978. This film happens inside a shopping center. This expected to embody typicality and the regular exhausting existence of an American customer, rather than the many zombies. The last piece of the set of three is 'Day of The Dead' this was discharged in 1985. This happens inside an army installation, while zombies are going crazy and free over the ground. This shows people somewhat as confined creatures, despite the fact that they have a few zombies confined up while they do investigates them. Anyway plainly the zombies are in control. In every one of the three movies the people are caught inside some place for the term of the film, be it a house, shopping center or army installation. This shows how amazing the zombies are in contrast with the people, as the zombies are allowed to do as they will, while the people are stuck in one spot with absence of food, water, correspondence and so forth. Every one of the three movies have concealed messages which remark on George Romero's perspective on the condition of the world at that point. 'Night of The Living Dead' passes on how bigotry was a serious issue at that point. The strategies he uses to show this are; the manners in which different characters communicated with him, they didn't treat him with as much regard as the other white characters, and how he was executed toward the end as opposed to being hailed as ... <!

Apples New iPad 2 TV Advertisement [VIDEO]

Apples New iPad 2 TV Advertisement [VIDEO] Make Money Online Queries? Struggling To Get Traffic To Your Blog? Sign Up On (HBB) Forum Now!Apples New iPad 2 TV Advertisement [VIDEO]Updated On 11/05/2019Author : Pradeep KumarTopic : Apple iPadShort URL : http://hbb.me/1SAMMUJ CONNECT WITH HBB ON SOCIAL MEDIA Follow @HellBoundBlogApples advertisements are always impressive and their products add more meaning to it. Apple recently released a new ad for the iPad 2 or in other words statement of belief. This advertisement says that technology alone is not enough. Its only when technology gets out of the way that things become more delightful and, yes, all right, even magical.Steve Jobs said, Its in Apples DNA that technology alone is not enough. Its technology married with liberal arts, humanities, that yields us the result that makes our heart sing. And nowhere is that more true than in these post-PC devices. And a lot of folks in this tablet market are rushing in and looking at this as the next PC.[via CNET]READApple Previews iPhone OS 4.0

My Network, The Metric Of Success - 957 Words

If my social capital were described as an ocean, my body would be floating on the surface, yet my face would be down, looking to the depths and drowning. After close analysis, I learned my network is vast, yet I am not necessarily leveraging my ties. As such, I come across many ties, yet they are weak and for the most part temporary in nature. Even for the small percentage of my network that is interconnected, I do not find myself taking the initiative to act as a broker. In saying this, there are a few options that present themselves in improving my social network. My network’s density must be strengthened, anchoring me from floating while simultaneously striking a balance into transforming into a broker and active engager. By strengthening my network, the metric of success guiding me is that of career advancement. My four egocentric networks important matters, work related, project support, and informal had densities of ten percent, thirty-three percent, zero percent, and fifty percent respectively. This implies many external ties. While I have many independent sources to reach out for career opportunities, my passive engagement is undetermined me from leveraging them. In my case, my advice network is comprised primarily by former teachers and coworkers in the field of finance. Although vast, I seldom communicate with the group and do not hold outside meetings. When it comes to asking about my interest of investment banking, the first people I think of are Alex an analystShow MoreRelatedThe Supply Chain Management ( Scm )1080 Words   |  5 Pagestailored services to customers which in turn has a greater potential to ensure profitability (Anderson, Britt Favre, 1993). Principle Two. 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Movie Analysis The Movie Aloha - 1191 Words

We live in a white supremacist society. There is a system set in place that favors white people and it’s been this way since the founding of America. Racism in Hollywood is no different, since its conception Hollywood’s preference for white faces has been clear and continuous. From the 1915 film Birth of a Nation to Cameron Crowe’s 2015 film Aloha, Hollywood’s has proven time and time again that we are not living in a post racial society. Racism within Hollywood can be seen in different forms, from its lack of diversity, negative stereotyping of people of color, and the age old white savior character. The University of Southern California conducted research examining seven hundred top grossing films from 2007 to 2014 and analyzed the race and ethnicity of more than 30,000 characters to show the diversity make up of those characters. â€Å"Of the top 100 films of 2014, nearly three-quarters of all characters were white, the study showed. Only 17 of the top movies that year featured non-white lead or co-lead actors.† (Santhanam) The findings showed that in all those years, filmmakers have made no progress in portraying diverse cast within their films. Filmmakers lack of concern for diversity can also be seen with whitewashing or race bending. According to William Lowrey, â€Å"Whitewashing is the practice of erasing people of color either through replacing a minority character with a white character, or more commonly with a white actor replacing a minority actor in the portrayal of aShow MoreRelatedMonsanto: Better Living Through Genetic Engineering96204 Words   |  385 P ages441 441 CASE STUDIES A summary of the case analysis I N T R O D U C T I O N Preparing an effective case analysis: The full story Hearing with the aid of implanted technology: The case of Cochlearâ„ ¢ – an Australian C A S E O N E high-technology leader Delta Faucet: Global entrepreneurship in an emerging market C A S E T W O DaimlerChrysler: Corporate governance dynamics in a global company C A S E T H R E E Gunns and the greens: Governance issues in Tasmania C A S E F O U R Succeeding in theRead MoreMarketing Mistakes and Successes175322 Words   |  702 Pagesfollowing classification of cases by subject matter to be helpful. I thank those of you who made this and other suggestions. Classification of Cases by Major Marketing Topics Topics Most Relevant Cases Marketing Research and Consumer Analysis Coca-Cola, Disney, McDonald’s, Google, Starbucks Product Starbucks, Nike, Coke/Pepsi, McDonald’s, Maytag, Dell, Hewlett-Packard, Newell Rubbermaid, DaimlerChrysler, Kmart/Sears, Harley-Davidson, Boeing/Airbus, Merck, Boston Beer, Firestone/Ford

Insurance and Emergency Management

Question: Discuss about the Insurance and Emergency Management. Answer: Introduction: It is important for an insurance agent like me to sell the products of my organization. It is of primary importance to primarily have knowledge about all the products, which are available for sale. Every insurance agent has a target to complete within a stipulated time span and therefore, I had to approach various clients to offer him or her insurance products. One of such persons whom i had approached was Mr Malcolm Johnson who is currently employed at ACME Pvt Ltd. He is married for over twenty-six years to Mrs Susan Johnson who is even working as an accountant in Phone r Us Ltd. They have a son and a daughter who are currently working their way through college. It is very important for every person to get their life insured to protect their family from any unprecedented accidents. There are various types of insurance like life insurance, money recovery insurance, flexible recovery money insurance, income daily living insurance, additional money insurance, health insurance etc. The re are certain insurances like health insurance, which is very crucial for every person to purchase so that insurance can be claimed in case there is a serious illness. In case of a fire or natural disaster, the insurance can be the difference between the having a normal life and from going bankrupt. Depending on the type of policy, insurance can replace the income lost and restores the property destroyed. The life insurance policy covers the life assured and offers monetary compensation due to death of the insured during the term of insurance. The health insurance policy on the other hand gives compensation during any health mishap and recovers the money lost for the medical expenses. The disclosures, which needs to to be presented by Mr Malcolm are his personal information with respect to health, personal property, financial assets, financial information etc. The variety of insurance products discussed earlier is all available for sell by the company under which I work. The information about Mr Malcolm was available to me through a close relative who said that Mr Malcolm is in need of insurance and requires someone from whom he can take help and gather the decision about purchasing the relevant insurance product. The relative gave the phone number to me after which I contacted him. He said that he was interested in having a meeting with me regarding the insurance perspective and it was decided that I was to meet him at his house on Sunday, 17/02/2013 at 6 pm in the evening. In order to provide efficient information to Mr Malcolm, I prepared myself by getting to know all the features of the insurance, which are available for me to sell. I even prepared an interview questionnaire so that all relevant information with respect to his information and his preferences could be gained. On the day of the meeting, I reached his premises on time and found that he was eagerly waiting for me. He offered me a cup of tea and wanted to know about my experience with respect to insurance and some personal information. After a formal interaction with him, we started our professional conversation. The primary question I asked him was the type of insurance he wanted. It came to knowledge that it is his first insurance and he does not have any knowledge about insurance and its varieties. Mr Malcolm was given a brief knowledge about the benefits of insurance and then detailed information was given to him about all the products insurance and which are the products that are suitable for him to purchase. It was seen that Mr Malcolm wanted a security for his family in case anything happened to him and therefore, he was offered with a life insurance product with a term of 15 years, which provided that a certain amount of money will be given to his family if Malcolm expires within the duration of the insurance. Malcolm was even concerned about his growing age and thought that with age he would be lingered with illness. The concern was a justified one as it is known that sickness arises with age. Thus, another health insurance product was given to him where he had to pay a premium annua lly. The benefit of this insurance is that during the time of any serious or critical illness, the insurance would provide him monetary benefit thereby restoring his money, which will be lost to cure the treatment. A question was asked to Mr Malcolm asking whether he was in need of any extra income and it was seen that he was interested in gaining some extra income. Therefore, another insurance product was offered to him known as the income protection plan where his money would be protected in case of any accident. This plan would even provide a monthly interest, which would act as an extra income for him. Mr Malcolm was satisfied with the products that were offered to him. A detailed explanation about all the insurance products cleared off his mind and now he had a clear idea of which products to choose according to his preference. I was successful in convincing Mr Malcolm about the benefits of insurance and was sure that he would be purchasing at least one product from me. Mr Malcolm was a bit concerned about the amount of money he had to invest yearly, as this would reduce his income level. I assured him of the fact that the amount invested will act as his asset as it would protect his life, health and income. The insurance cover would even provide him with an interest that will act as an income from him. I explained him that insurance might be loss in the short-run but will become an asset for him in the end. It will become a fixed income during his time of retirement. The interview with Mr Malcolm was satisfactory and it was seen that he is a very polite and patient person who listened carefully about all the products that I explained him. He was quick to ask any questions that came into his mind and always enquired any queries that rose in his mind. As I was new in the field of insurance, in the beginning I was a bit nervous while interacting with him and stammered a bit when he asked me questions about his queries. He understood that I was a bit nervous and tried to relax me by talking a bit informally and asking me to take help of the product brochures to rectify the queries that he had. I even asked him questions about his personal income and his assets and liabilities so that a clear idea can be gained to provide the necessary products that will be ideal for Mr Malcolm to purchase. After the completion of the meeting, Mr Malcolm decided to purchase three insurance products from me namely a life insurance product, a health insurance product and an income protection insurance plan. The meeting with Mr Malcolm has given me a lot of knowledge about the mistakes I have made and it is seen that from the next time onwards I need to gain confidence while having a conversation with the clients and need to understand the queries of the clients properly so that it can easily be resolved. It is even essential for me to have a proper knowledge of the products and need to understand the obligations of the customers and offer them with the products that are ideal for them. The above meeting with Mr. Malcolm has given me immense confidence and this will be helpful in bringing about improvements in me when interacting with other clients. Excellent Very Good Good Fair Poor Preparation for interview Initial contact and setting up of meeting Did the student clearly advise you of the requirements of the interview? Students explanation of Duty of disclosure Life insurance Total and Permanent Disability Critical illness/ trauma insurance Income protection ! " # $! Interview Students preparations for the meeting?( room set up, papers in order, had everything they needed, etc) Students knowledge of the insurance application form being completed? Students knowledge of the insurance product. Students ability to satisfactorily answer your questions? Students communication skills Overall Comments ( Please provide the student with any positive feedback, constructive criticism and suggestions for improvements) The interview undertaken by the student was organized properly and orderly and the student provided an extensive discussion about the insurance products. The student needs to gain some experience and needs to overcome the tension as once a tricky question is asked he stammers but ultimately gains his confidence to answer back and explain properly. The student is competent in attracting clients and convincing them but just needs to overcome his nervousness and tension. Mr Malcolm is not quite comfortable to reveal his personal information to the insurance company. He feels disclosing his personal information related to income, health and address might disturb his security and safety. This is the reason why a proper explanation needs to be provided to him so that he feels safe in disclosing his information. The insurance company needs the personal information of its clients because insurance organization relies upon the premium it charges for life and health insurance products on the basis of mortality and the morbidity rates of the population insured. The rate of premium is calculated by using the mortality tables and experience on claims (Smith 2013). Therefore, it is essential for the customer to provide its information about age and health so that an idea can be attained for the calculation of the premium rate for the insured person. The lives of the insured are underwritten at the organizations standard rate if their potential mortality is not greater than the average age of the population. The people insured who have health issues or is of old age needs to pay higher premiums as the risk associated to them are higher. A detailed information in the application form will enhance the processing of the insurance for the clients and it will be easier for the organization to calculate t he premium to be levied on the clients insurance premium. The information will be easier for the organization to understand the health condition thereby calculate the rate of risk associated with him. The financial information is helpful in recognizing whether the client will have the ability to pay the premium every year till the duration of the insurance (Sadgrove 2016). The information about their residential address is essential for the company as it will be easier for them to send any important documents to the client through courier or mail. The contact information is essential for connecting with the client if needed. Mr Malcolm has been given assurance about the security of his personal information as the company has an efficient database with a secured firewall system to restrict any sort of hacking or release of this information. This is to inform you that with respect to your query regarding the process of the purchase of the product, I would like to inform you that it is an easy process where all the information regarding the product will be discussed in detail and the documents required to be submitted will be mentioned in the brochure of the product. On the time of discussing the product, a detailed explanation will be given about all the products to help select the product of their choice. The rate of premium, the duration of the insurance, the total sum assured along with any death benefits will be clearly mentioned in the brochure of the product. The detailed information about the variety of products will be helpful to you in deciding which product is suitable. After the purchase of the product, all the documents related to the insurance product will be sent to you through email and by courier to help you keep a record of the product. The documents, which will be sent to you will comprise of the receip t of payment of the product, a statement showing the duration of the insurance and the premium rate to be paid annually. It also includes customer care assistance number, the terms and conditions of the insurance, penalty amount if unable to pay, a detailed breakdown of the total sum assured and the benefit you will from the insurance product. these documents will be essential for you as it will keep a record of the purchase and in time of any discrepancy, you can look down on the terms and conditions and make necessary claims. It is therefore, essential that these process are undertaken as it will be helpful to you and will even provide a customer protection to you. I hope this letter will help you in clarifying all the queries that you had in mind. If you have any other query, kindly revert a mail to me so that I can clarify your doubts with ease. The Financial Ombudsman Service provides clear, independent and approaches discrepancy resolution for the clients who are unable to solve complaints with members of the financial service providers. It is a non-profit and private organization that rectifies disputes swiftly and effectively and thus is an economical alternative rather than approaching the court. The service they provide is free of cost for the applicants with the cost of continuing the service is undertaken by the members. The members mentioned here constitutes of banks, credit providers, financial consultants, debt agencies, insurers etc who provides financial services and products. The FOS provides the service of solving discrepancies between the financial service providers and the clients in a cooperative, effective, fair and timely manner. The service is done with minimum formality and technicality and provides the service a clearly as possible, taking into account the accountability for privacy and confidentiality. The role even involves the having knowledge about all the components of a dispute without taking any sides and making decisions on the basis of some specific logics and circumstance of individual disputes (Lam 2014). By analyzing the role of the Financial Ombudsman Service it is easier to analyze the the case study, which will be discussed below: The following case study refers to a dispute that has risen between an Applicant of a critical illness benefit under a policy taken from a Financial Service Provider (FSP). The main outline of the vital components of the case between the Applicant and Financial Service provider (FSP) is that after a few days of purchasing the policy, she suffered a heart attack for which she had to be admitted to the hospital. After recovering from the heart attack she claimed to her provider for the compensation for her heart attack. It is seen that after reviewing her reports the financial service provider denied her claim saying that her heart attack was not critical with respect to the terms and conditions laid down in the policy. It is seen that according to the policy, a claim will only be approved for a heart attack if the heart attack is termed critical that is any irregularities are caught in the Echocardiogram tests or there is a massive change in the cardio-enzyme level in the heart. An in crease in the Troponin level to more than 2 micro-grams is even an indication that it is a sign of a severe heart attack (Department of Health 2013). After examining the results of the echocardiogram, the service provider has seen that there are no irregularities present and the Troponin level has not increased over 2 micro-grams and therefore her claim is not justified for approval. The Applicant on the other hand is satisfied with the claim denial process and has filed a case in the Financial Ombudsman Service saying that nothing with respect to the severity of the heart attack was mentioned in the policy conditions and she signed the policy with the idea that she would get a claim in case of any sort of heart attack. The applicant has even complained that even if there were any clause stated with respect to the heart attack, the words used in explaining the sentence is very difficult for any layman to understand as the words are financial and contract related, which are not easily understood by the common man. She feels that the policy terms are unfair (Omarova 2012). The FOS after examining the documents presented from both the parties finds that the service providers claims are justified and thus passes the judgment in favour of them. The financial service provider wished to deny the claim because it was clearly stated in their policy that only in case of any critical illness would the applicant get any claim for them policy. In case of heart attack, a clause was given that a heart attack identified through an echocardiogram test or an increase in the cardio enzyme or troponin level to over 2 micro-grams will be treated as a severe heart attack. The documents presented by the applicant showing the doctors report and the echocardiogram report show no indications of a heart attack and therefore, claim was denied by the financial service provider as the claim was unjustified in the eyes of the provider (Tarr and Finn 2012). Any documents revealing the claim of a heart attack would have been enough for the approval of the claim. The applicant believed that she deserved to be paid by the financial service provider because the terms and conditions of the policy were very complex for any common person to understand and there was no clause in the policy that stated clearly that the claim will only be approved if the heart attack is confirmed through an echocardiogram or changes in the cardio enzyme and increase in Tropinin level to over 2 micro-grams. She feels that the terms of policy are unfair and therefore it is her right to receive the claim. The contract agreement is prepared by the service provider and they prepare the agreement papers according to their ease and thus they use such terms and words with respect to law and finance, which are difficult for people like to understand, and thus feels that the policies are unfair and requests the FOS to give their judgment on behalf of her as she was cheated by the service provider (Mills and Haines 2015). According to the current case, it is felt that the conduct of the FSP is justified because the even if it is assumed that they have prepared the terms and conditions in the policy agreement according to their own wish, it is the responsibility of the applicant to go through the policy in detail and ask the providers for clarification with respect to any queries she has. She can even take help of a solicitor to understand the terms and conditions of the policy. If the policy was unfair to her she could have terminated the contract before it started. The conduct of the applicant is not justified as she could not provide any documents that shows relevancy to her heart attack and she went into a contract with the financial provider without understanding the meaning of critical illness. She could have taken help of a solicitor or even asked the provider about the terms of policy if she had any doubt but as she has signed the agreement she has no power to claim for the approval (Buck and Kirkham 2016). The determination given by FOS is justified as they will look upon the documents provided by the two parties. It is seen that the documents given by the service provider reveals the actual meaning of critical illness and reveals that only increase in the cardio enzyme or rise in the Troponin level to over 2 micro-grams or irregularities reported in the echocardiogram will be considered as a critical heart attack. But the documents provided by the applicant show no such reports and therefore according to the policy the applicant is not liable for a claim. It was the responsibility of the applicant to understand the terms before signing it and once she has signed it any claims not justifying the policy terms will not be accepted. 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