Laser Focus World is an industry bedrock—first published in 1965 and still going strong. We publish original articles about cutting-edge advances in lasers, optics, photonics, sensors, and quantum technologies, as well as test and measurement, and the shift currently underway to usher in the photonic integrated circuits, optical interconnects, and copackaged electronics and photonics to deliver the speed and efficiency essential for data centers of the future.

Our 80,000 qualified print subscribers—and 130,000 12-month engaged online audience—trust us to dive in and provide original journalism you won’t find elsewhere covering key emerging areas such as laser-driven inertial confinement fusion, lasers in space, integrated photonics, chipscale lasers, LiDAR, metasurfaces, high-energy laser weaponry, photonic crystals, and quantum computing/sensors/communications. We cover the innovations driving these markets.

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Editorial Advisory Board

  • Professor Andrea M. Armani, University of Southern California
  • Ruti Ben-Shlomi, Ph.D., LightSolver
  • James Butler, Ph.D., Hamamatsu
  • Natalie Fardian-Melamed, Ph.D., Columbia University
  • Justin Sigley, Ph.D., AmeriCOM
  • Professor Birgit Stiller, Max Planck Institute for the Science of Light, and Leibniz University of Hannover
  • Professor Stephen Sweeney, University of Glasgow
  • Mohan Wang, Ph.D., University of Oxford
  • Professor Xuchen Wang, Harbin Engineering University
  • Professor Stefan Witte, Delft University of Technology

The best way to avoid unexpected medical costs and achieve peace of mind

The best way to avoid unexpected medical costs and achieve peace of mind

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No matter how well we plan our finances, unexpected medical expenses can deliver an almighty blow. Whether you or a family member is facing unexpected surgery or a long-term illness, things can escalate far quicker than we ever imagined.

Of course, most of us are covered for basic medical expenses, but should our coverage do more? Today, we are going to show you how to achieve absolute peace of mind with your insurance policies. By investing smart, we can protect ourselves from anything.

Why basic health insurance is not enough

Basic health insurance is brilliant, but what if an accident or illness stops you from working, or what if you take a turn for the worse? This is where additional insurance policies can really make a difference.

Get the most out of your insurance policies and save

One of the wisest things we can do to safeguard ourselves and our loved ones is to invest in a flexible and comprehensive life insurance policy with customizable features. For example, a good provider can add income protection to replace your income if you can’t work for medical reasons. Doing this will provide immense coverage and save you heaps in premiums. 

Exploring policies worth bundling together for maximum coverage

If you want to bundle some policies together, you need ones that will cover you and your loved ones in a multitude of situations. Here are some policies that will significantly enhance your peace of mind: 

  • Life insurance – this provides a considerable lump sum to beneficiaries in the event of your passing 
  • Critical illness – this inclusion offers a lump sum if you’re diagnosed with a terminal illness. 
  • Total disability – If you are ever unable to work permanently due to an accident or illness, this can provide immeasurable support. 
  • Income protection – This replaces up to 70% of your income if you are ever unable to work due to an accident or illness. 

By bundling these additional policies with your insurance plans, you will be ready for whatever life throws at you. 

Signs of an honest and committed insurance company

To tell if an insurance provider is worth going with, see if their policies are transparent with clearly defined benefits. Double-check to see whether you can review a policy when you need to. Carefully observe interactions to see if they have accessible customer service operatives and read plenty of reviews. It won’t take you long to figure out if their life insurance policy is the right one for you.

Is it time to review your coverage?

Remember, insurance policies aren’t a one-time purchase. To ensure your insurance policies always do right by you and align with your current financial situation, they will need to be reviewed regularly. Every time your lifestyle changes, you have a child, buy a home, start a business, or change employment, give your policies a quick once-over to check whether they still work for you. 

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