Nama penyanyi dan pelakon Ayda Jebat kembali panas selepas video duetnya bersama salah seorang peserta program realiti tular di laman sosial.
Dikenali dengan lagu pop rancak, sesetengah netizen sering mempertikaikan kebolehan vokal penyanyi kelahiran Akademi Fantasia 9 itu.
Terbaru, menerusi salah sebuah entri yang viral di laman Twitter, netizen yang menggunakan nama @theazribazfar berkongsi sedutan video Ayda berduet dengan peserta yang digelar Abang Ais Krim.
Dalam perkembangan lain, Ayda bakal berduet dengan penyanyi Ariff Bahran menyampaikan lagu Marry You di konsert ketiga program Big Stage yang bakal berlangsung pada Ahad ini.
Jangan lepaskan peluang untuk terus menyaksikan pertarungan bintang muda dalam rancangan realiti baharu Big Stage.
Selain Bahran, Big Stage disertai oleh Sarah Suhairi, Wani Kayrie, Afieq Shazwan, Andi Bernadee, Tajul, Syafiq Farhain, Baby Shima dan Sissy Imann.
Rancangan yang ditaja oleh Vivo dan ditrendkan oleh TikTok ini akan disiarkan setiap Ahad jam 9 malam di Astro Ria (104) dan Ria HD (123).
Big Stage turut boleh dinikmati melalui platform digital, Astro GO dan 'on demand'.
Sumber : bigstage.com.my
Life Insurance As Part of Your Estate Plan
Life insurance is a commonly used tool in estate planning. It can be used to replace the income of a deceased family member, to replace assets, or to provide liquid cash at a time when it is needed. Life insurance is also used in estate planning to help with the succession or continuation of a small or family-owned business. For more specific information on business succession planning, see my series of articles on business succession planning at Estate Planning Info Center online.
Today there are many different life insurance products on the market. Broadly speaking, these policies fall under one of the following types: term life insurance; whole life insurance; universal life insurance; and variable life insurance. There is also a form of variable universal, which combines features of universal life with those of variable life policies. What follows is a brief overview of these various types of policies, including the features that distinguish each type from the other types. Please note that within each of these broad categories there are variations of each type of policy. These variations are beyond the scope of this Article, but will be addressed in future Articles by this author.
Term life (also referred to as temporary life insurance) is a form of policy that provides coverage only for a specified term, for example, ten years (or twenty, or thirty, etc.), or until the insured reaches a specified age (for example, age 75). If the insured survives beyond the term specified in the policy, the policy lapses and there is no payout. Only if the insured passes away during the term will the benefit be a paid out to the beneficiaries named in the policy. Term life does not accrue cash value. Because of the limited coverage, and the absence of cash values, term life can generally be procured for less cost than whole life.
Whole life (also referred to as permanent life insurance) policies do not have a termination date, but instead provide coverage for the "whole" life of the insured. In fact, these policies mature when the insured reaches the age of 100. Premiums for these policies are calculated based on the assumption that the insured will not reach the age of 100. In the event that the insured does make it to 100, the policy matures, and the full value of the policy is paid out to the insured as a living benefit.
In addition to a benefit payable on the death of the insured, whole life also features certain "living benefits". Whole life policies accrue cash values. Prior to the death of the insured, the policy can be traded in for its then-current cash value (also referred to as the cash surrender value), which increases during the life of the policy. The cash value of such a policy can also be borrowed from, or used as collateral to secure a loan from a third party lender. Because whole life policies do not terminate, and because of their living benefit features, premiums for whole life are generally greater than those for term life.
Universal life is a type of whole life that offers more flexibility than the traditional whole life. Whereas whole life features fixed premiums, benefits, and cash value appreciation, with universal life, these features can be adjusted by the policy owners. The policy owners can increase or decrease the amount of premiums, the face value (benefit amount) of the policy, and the rate of accumulation toward the cash value of the policy.
Variable life behaves somewhat like traditional investment vehicles. A variable life contract does not guarantee a specified amount of cash value or death benefit. Instead, the policy owner can direct that the funds be invested more aggressively. The policy owner assumes the higher risk of the investments, and the cash values and death benefits therefore vary with the performance of the investments.
The various types of life insurance products are employed in many aspects of estate planning. As mentioned above, the death benefit from life insurance can be used to replace the income of the deceased breadwinner in the family. Without insurance, the survivors could suffer an irreplaceable loss of income, which could leave them unable to continue with the lifestyle to which they have become accustomed, including the possible inability to continue mortgage payments on the family home. Insurance proceeds can also be used to pay for extraordinary expenses that are incurred at the time of the insured's death, such as funeral expenses, estate taxes, attorneys' fees, probate costs, and operating expenses for the continuation of a family business.