The basis for any life insurance plan generally is age, assets or health. Most people insure income for their loved ones in case any ill befalls them and they are left high and dry. Sometimes people with a lot of assets also choose to insure their property, to keep it safe and financially sound before they pass it on to their heirs or family members. Sometimes people want to ensure that their spouse or significant other is financially independent. In both these cases family life insurance is the way to go.

The things to look out for when investing in any insurance plan are cost, coverage and the benefits. If you choose to invest in a term insurance policy, bear in mind that benefits will be received only if the death occurs during the term. On the other hand it is quite affordable. Whole life insurance, the most trusted policy, has a set premium for the time period of the policy. The disadvantage, however, is that the rates offered are high during the early stages of the policy and low during the latter stages, keeping in mind the risk factor. There is also the Universal life insurance policy which is a culmination of the advantages of both term and whole life insurance policies. One can vary the amounts paid in the form of premiums from year to year and also borrow money from the cash reserves that pile up.

For the more conservative of the lot, there is the permanent life insurance. The premiums are higher, but it can worth it if you choose to invest the dividends which are tax free. The Variable life insurance plan is a kind of investment plan, the returns of which depend on the market trends regarding your stocks and shares. If you choose this kind of family life insurance, the returns are also expected to be higher.

If paying premiums regularly is not your thing, you could opt for the Single Premium family life insurance policy, which is a one time investment. It is a great idea if you wish to gift it to someone. There is also the Survivor ship family life insurance, in which two people are insured together and the benefits are given out only after the demise of both the policy holders. This might be a good idea for parents to insure the financial stability of their children, even in case anything should happen to them.

Save your family a lot of heartache and sleep better at night knowing that your loved ones are secure by investing in a quality Family life insurance policy.

Here we are at the Zurich International airport by Thai Airways. As you could see, we look tired  after 12 hours flight, and furthermore with no make ups. EEeeeeeeee…

1st day of The German Swiss Welcome : The first destination in Swiss is to Bally Factory Outlet in Aarau where we shop for leather bags. shoes, wallets, etc etc.. Shop Shop Shop

Bally Factory Outlet

It’s lunch time at the Restaurant Brasserie Johanniter where we had carrot soup, grilled port sausage in onion sauce, roesti and chocolate cake. Then it’s shopping time again at the Bahnhotstrasse.

We have the friendly passers by pop in for our photo shooting sessions

2nd day of French Swiss Hospitality : After having breakfast in the hotel, we headed to the Alsace Region where we visited the Colmar. The city is famous for its well preserved old town and numerous architectural landmarks.

The little venice

Next destination is the Riquewihr which is most beautiful vineyard township of Alsace.

Wine making is the main industry

Then we visited the beautiful Titisee, the lake in Black Forest. A place where you can get their well known cuckoo clocks.

Simply breathtaking

Although it’s too dark, we still able to capture the Europe’s Rhine Fall which were formed in the last ice age.

Too disappointed to arrive late

3rd day with the the best of Swiss Alps :

We travelled to Lucerne, one of the tourists’ delight for the Lion monument that symbolizes thousands of Swiss guards being sacrificed during the French Revolution.

How can you smile when you visiting the saddest stone in the world?

A short visit at the Interlaken for souvenir hunts and excellent photographs.

A residential town between lakes

We are at the alps for lunch, the Mt Maennlichen which is the top swiss ski site.

Does the heaven looks the same?

We went down to Wengen by cable car, the hidden treasure amongst the alpine villages.

Bern - The Swiss capital, here we come.

At one of the UNESCO World Heritage site

4th day is the all about the best of  Geneva :

The flower clock

The jet D

The United Nation office

Be prepared for the Alpine Carnival : The Gala dinner in Gruyere, thank you HLA for the appreciation and celebration.

The celebration is at the famous alpine village

The grand opening ceremony

Unlimited beer and wine, we celebrated memorable lantern festival in Switzerland

It

Arrival at the airport

Welcome to the hotel

It's meal time

The famous Shenzhen cuisine : Claypot Bone Marrow-just suck it

The China cultural village

This is what they have in the cultural village - 1

Another one u can find in the cultural village -2

China's 'Interlaken Village'

It's show time

The Da-Pen-Chai - Big Premium Potcuisine

The night lifef of Shenzhen

Beautiful Shenzhen ! Visiting Shenzhen will beone of the most memorable trip HLA is giving to all qualifying new recruits. Only in Shenzhen we could experience bargaining for half an hour just for the little stuff, having the price cut down at least 10 times lower the offered price. It’s a shopping paradise for ladies, so there will the second trip especially for Dongmen, Windows of the world, Interlaken, the grand shows, the unique food and  the extravagant Shenzhen.

Cheers HLA !