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Global Warming: Why Consumers And Insurers Are Getting Hot Under The Collar Over Life Insurance.
Rachel Lane
Global warming may have been lurking on our horizon for a number of years and historical records of terrorists have existed for thousands of years, but we are coming into a new age where we try and financially protect ourselves against such problems and if we’re honest … we’re struggling.

The recent terrorism attacks in London brought home the fragility of human life to many Brits, who had previously been able to distance themselves from terrorist activity. For the partners and offspring of city workers, the fragility of their finances also became apparent with the potential loss of a loved one alongside the loss of future income and possibly the family home.

It is widely agreed that most life insurance policies should cover acts of terrorism, though most websites (including the Association of British Insurers) do state that you should always, always read the small print, as there may be insurer-specific exemption clauses. It will be interesting to see what effect terrorism has on life insurance applications and whether there’s a rise in consumer interest as a result of terrorist attacks.

Certainly the indication so far is that life insurance applications will be treated quickly and sympathetically in the event of a terrorist attack, reiterated by the Association of British Insurers (ABI) and Ginger Applegarth of MSN Money who stated that for insurers “to back out of paying a claim now would be considered unpatriotic and a marketing disaster.” In Applegarth’s column, she includes an “insurance checklist” of the very basics that you have to do when making a life insurance claim. She also states that insurers paid out almost $3 billion after the September 11 attacks in 2001.

It isn’t just your life insurance that can encompass a terrorism related clause. Travel insurance and property insurance can also contain terrorism related options. The website http://www.abi.org.uk states clearly that “household, buildings and contents policies include damage by fire, explosion or impact, whether caused accidentally, through the malicious act of an individual criminal or in an act of terrorism.” The costs and extent of cover will vary, so shop around and read the terms and conditions very carefully.

Contamination cover is singled out by ABI as a contentious issue and apparently has been a standard exclusion on household policies since the 1960s, due the potential scale of claims, as many homes could be affected by a single incident.

Cover against terrorism is also available for businesses, typically as an extension to property cover. Commercial property terrorism cover is typically allocated on an “All Risk” capacity, encompassing biological, chemical, radiological and nuclear contamination, as well as interruption to the business. Commercial property cover does not include electronic or internet related risks or hoaxes.

Other life insurance exemptions may include lifelong illnesses such as diabetes and epilepsy. Lifestyle habits such as smoking may or may not invalidate a life insurance application, but they will make it more expensive. Always get your medical records assembled before you apply for life insurance, as this will save time and possibly money as well. Once this information is assembled, you can begin assembling some personal quotes through life insurance comparison sites such moneynet or UpMyStreet.

About the Author

Rachel is a straight talking little lady who lives in the Scottish hills. Rachel also writes for the personal finance blog Cashzilla: a wee bit of banter on finance related issues. Web: http://www.cashzilla.co.uk E-mail: rachel@positiveinterest.com Phone: 0131 561 2251

CNN global warming misinformation makes its way to <em>The Radio Factor</em>
On <em>The Radio Factor</em>, guest host Douglas Urbanski cited a December 18 segment from CNN's <em>Lou Dobbs Tonight</em> to support the assertion, which has been widely discredited, that "man-made climate change" is "one of the biggest lies of our time" and in doing so echoed several of the debunked claims and suggestions about global warming included in that CNN segment.
"Winter storm" causes Dobbs to ask: "What's that global warming deal?"
Lou Dobbs said during the introduction of his CNN show: "And tonight, unusual winter storms are dumping snow in unusual places across Western states, and a huge snowstorm is headed toward the Northeast. This is global warming?" During his segment on the issue, Dobbs hosted Heartland Institute senior fellow and science director Jay Lehr without disclosing that Heartland receives funding from the energy industry and without challenging Lehr's assertions that "[t]he last 10 years have been quite cool" and that "the sun" -- rather than humans -- is responsible for recent climate change.
Levin cited "global cooling" study to dismiss efforts to "control carbon dioxide" emissions, ignoring warning by study's co-author not to do so
On his radio show, Mark Levin cited a recent study predicting that an ice age will occur in the next 10,000 to 100,000 years as purported evidence that humans should not "try and control carbon dioxide" emissions that contribute to global climate change. But Levin did not mention that the study's co-author reportedly warned against using the study to argue that "we should stop fighting warming" and stated: "There's no excuse for saying 'we've got to keep pumping carbon dioxide into the atmosphere.' "
Milwaukee radio host smeared "greedy, overpaid unionized schoolteacher[s]" who talk about global warming
On his Milwaukee radio talk show, Mark Belling referred to schoolteachers who talk to their students about global warming as "idiot union teacher[s]," "liberal unionized hack[s]," "greedy, overpaid unionized schoolteacher[s]," and "fruitcake[s]."
Hannity compared carbon offsets to "cheat[ing] on your wife," ignored Murdoch's efforts to make News Corp. carbon neutral
On <em>Hannity &amp; Colmes</em>, Sean Hannity criticized the purchase of credits to offset one's "carbon footprint," asserting, "Those offsets -- that is the biggest hoax in the world. ... You know what it's like? You go cheat on your wife, and then say, 'Honey, but don't worry. I bought an offset.' Good luck." Hannity has yet to address the pledge by News Corp. chairman and CEO Rupert Murdoch "to be carbon neutral, across all our businesses" -- which includes Fox News -- "by 2010."
Discussing TCPR claims, O'Reilly said he'd "like to hear [Gore's] side of things," but ignored Gore's response to TCPR
Bill O'Reilly asserted: "The Tennessee Center for Policy Research [TCPR] says the former vice president [Al Gore] is still using a massive amount of energy at his Tennessee mansion -- more than 20 times the national average." O'Reilly later stated: "So it looks like Gore is a pinhead, but we would like to hear his side of things. And he has an open invitation to appear on the <em>Factor</em>." But at no point did O'Reilly mention that Gore has reportedly given "his side of things" in response to a June 17 TCPR press release on the subject of Gore's purported energy use.
Hume claimed Gore's "energy use has surged more than 10 percent," ignored Gore's response that it's all "green power"
On <em>Special Report</em>, citing purported findings by the Tennessee Center for Policy Research, Brit Hume claimed that Al Gore's "energy use has surged more than 10 percent" since environmentally friendly renovations were completed on his home. Hume offered no response from Gore. Responding to the charge, a Gore spokeswoman stated that "[w]hen [the Gores] do use power, it's green power." According to the Tennessee Valley Authority, green power "create[s] less waste and pollution" than standard electricity.
<em>Wash. Times</em>' Pruden falsely claimed that "the earth has been measurably cooling for the last decade"
In a <em>Washington Times</em> column, Wesley Pruden falsely claimed that "the earth has been measurably cooling for the last decade, despite everything [former Vice President] Al [Gore] and his followers have done about it." In fact, the United Kingdom's Met (Meteorological) Office lists as a "fact" that "[t]emperatures are continuing to rise" and states that "temperature change over the latest decade (1998-2007) alone shows a continued warming of 0.1&deg; C per decade."
MSNBC hosted Breaux and Lott to defend oil and gas companies -- but failed to note they're lobbyists for them
On <em>MSNBC Live</em>, Andrea Mitchell discussed energy policy with former Sens. John Breaux and Trent Lott but failed to disclose that both are lobbyists for major oil and gas companies. While Mitchell said that Lott and Breaux "formed a firm" together, she did not note that their firm conducts lobbying or that its clients include oil and gas companies Chevron, Shell, and Plains Exploration &amp; Production Co.
Beck revived falsehood that Bill Clinton said, "We've got to slow down our economy" to fight global warming
On his nationally syndicated radio show, Glenn Beck falsely claimed that former President Bill Clinton said, "We've got to slow down our economy" in order to combat global warming, and aired a portion of a speech Clinton made in January. However, as Clinton's full remarks make clear, he did not suggest "slow[ing] down our economy" to fight global warming.
Jonah Goldberg misrepresented Gore's comments about Hurricane Katrina
In his <em>Los Angeles Times</em> column, Jonah Goldberg asserted that in an NPR interview, Al Gore "chuckled" at the idea that Hurricane Katrina "was God's wrath for New Orleans' sexual depravity," then "went on to blame Katrina on man's energy sinfulness." In fact, Gore stated during the interview that "any individual storm can't be linked singularly to global warming." Goldberg also claimed that the numbers of polar bears "have quadrupled in the last 50 years"; in fact, data to support estimates of the polar bear population 50 years ago are reportedly nonexistent, recent growth in the polar bear population is believed to be linked to hunting bans, and the Department of Interior found that "the polar bear is likely to become an endangered species within the foreseeable future."
Previewing McCain's environment speech, Reuters did not mention his voting record or include criticisms of his positions
Reuters reported that Sen. John McCain would pledge "to take the lead in combating global climate change if elected president in a speech that set him apart from the policies of U.S. President George W. Bush." However, in reporting on McCain's environmental positions that his campaign believes will "win support from independents and centrist Democrats," Reuters did not mention his voting record and did not include any criticism of McCain's positions. By contrast, <em>The Washington Post</em> noted that "McCain's lifetime League of Conservation Voters score is 24 percent, compared with 86 for Obama and 86 for Clinton."
Fox's Baier misrepresented Gore's comments about Myanmar cyclone
Fox News' Bret Baier claimed that in an interview on NPR, "Former Vice President Al Gore says global warming is to blame for the cyclone in Myanmar." In fact, while Gore did discuss the cyclone in the context of global warming, he also stated -- just moments earlier -- that "any individual storm can't be linked singularly to global warming."
Fox's E.D. Hill falsely claimed that "U.N. meteorologists" say "the planet may actually cool off for the 10th year in a row"
On<em> America's Pulse</em>, host E.D. Hill falsely claimed, in a teaser for an upcoming segment, that "the U.N. says the planet may actually cool off for the 10th year in a row." Hill later asserted: "U.N. meteorologists now saying that we could have, for the 10th year in a row, a colder year, temperatures ... decreasing, not warming, getting colder." In fact, global mean temperatures, as measured in two widely used data sets, have not decreased in each of the past 10 years; further, according to those data sets' producers, the data continue to show a long-term warming trend.
<em>NY Times</em> understated Inhofe's views on global warming
In an article discussing potentially competitive 2008 Senate elections, <em>The New York Times</em> understated Sen. James Infohe's views on global warming, reporting that Inhofe "has said that its effects are exaggerated." In fact, Inhofe has repeatedly referred to global warming as the "greatest hoax ever perpetrated on the American people" and reportedly compared Al Gore's global warming documentary to Adolf Hitler's <em>Mein Kampf</em>.

Additional Resources A Visualization Of The Urban Legend Called, Man Made Global Warming By John DeJong About the only truth pertaining to Man Made Global Warming is that there are many people across the world making tons of money by perpetrating a junk science hoax. Just as in the previous Nuclear Read more...

Additional Resources We Can Put A Fish On The Moon By  Search EzineArticles.com  This aint exactly rocket scientry boys...I picked up a copy of The Oregonian this morning and read a story about how the ocean conditions this year are killing off seabirds in record Read more...

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