Translation of "Assurance vie universelle " (French → English) :

Biodiversity is the life insurance policy for our planet, so its conservation must be pursued without limits since it amounts to a universal heritage which can offer immediate advantages for mankind, such as the maintenance of climatic balances, both in local and planetary terms, as a source of material to be studied which allows us to gain fundamental knowledge in order to understand biological mechanisms which are similar in humans, or the sustainable use of flora and fauna for food and medi ...[+++]cinal purposes.

2. Recalls the importance of tolerance and economic development, which are essential for long-term political and social stability and for improving the standard of living in the countries concerned, and calls on the countries in democratic transition to ensure full respect for all fundamental rights, including freedom of expression, the right to peaceful assembly, freedom of association and freedom of religion, conscience and thought for all citizens, both men and women, including the members of Coptic Christian communities; emphasises that free access to information and communication and uncensored access to the internet (internet fre ...[+++]edom) are universal rights that are essential in order to ensure transparency and accountability in public life;

18. Calls for the promotion of social integration and inclusion, in order to guarantee effective protection of fundamental human rights, and clear commitments to draw up EU and national policies to combat poverty and social exclusion; considers it necessary to ensure better access, on a universal basis, which is free from physical and communication barriers, to the labour market, public health services, education (from pre-school education to completion of undergraduate studies), vocational education and training, public housing, energy provision and social protection; takes the view ...[+++] that jobs should be high-quality and barrier-free with rights; believes that wages must be decent and that pensions must include a basic old-age allowance which ensures that people who have worked all their lives enjoy a dignified retirement; states that minimum income schemes for everyone must guarantee freedom from poverty and ensure social, cultural and political inclusion in keeping with national practices, collective bargaining and national legislation; notes, further, that in the long term the more the Member States invest in these various policies the less need there will be for a system based on a minimum household income; points out that such measures should be adopted in strict compliance with the principle of subsidiarity and with different practices, collective bargaining and national law in the Member States; takes the view that only in this way can each individual's right to participate in social, political and cultural life be guaranteed;

18. Calls for the promotion of social integration and inclusion, in order to guarantee effective protection of fundamental human rights, and clear commitments to draw up EU and national policies to combat poverty and social exclusion; considers it necessary to ensure better access, on a universal basis, which is free from physical and communication barriers, to the labour market, public health services, education (from pre-school education to completion of undergraduate studies), vocational education and training, public housing, energy provision and social protection; takes the view ...[+++] that jobs should be high-quality and barrier-free with rights; believes that wages must be decent and that pensions must include a basic old-age allowance which ensures that people who have worked all their lives enjoy a dignified retirement; states that minimum income schemes for everyone must guarantee freedom from poverty and ensure social, cultural and political inclusion in keeping with national practices, collective bargaining and national legislation; notes, further, that in the long term the more the Member States invest in these various policies the less need there will be for a system based on a minimum household income; points out that such measures should be adopted in strict compliance with the principle of subsidiarity and with different practices, collective bargaining and national law in the Member States; takes the view that only in this way can each individual's right to participate in social, political and cultural life be guaranteed;

With the consumers' complaints on the vanishing premium and now the universal life policies, in fact, our association put forward to each CEO of all of the large insurers, with the difficulty of the vanishing premium issues, a proposal to sit down with them at a conference and to discuss the issues.

When it comes to other more complex products, such as universal life insurance or permanent insurance, there is more involved than merely the protection offered for a particular price. Explanations must be provided; something more must be done.