Was ist das eigentlich? Cyberrisiken verständlich erklärt

Es wird viel über Cyberrisiken gesprochen. Oftmals fehlt aber das grundsätzliche Verständnis, was Cyberrisiken überhaupt sind. Ohne diese zu verstehen, lässt sich aber auch kein Versicherungsschutz gestalten.

Beinahe alle Aktivitäten des täglichen Lebens können heute über das Internet abgewickelt werden. Online-Shopping und Online-Banking sind im Alltag angekommen. Diese Entwicklung trifft längst nicht nur auf Privatleute, sondern auch auf Firmen zu. Das Schlagwort Industrie 4.0 verheißt bereits eine zunehmende Vernetzung diverser geschäftlicher Vorgänge über das Internet.

Anbieter von Cyberversicherungen für kleinere und mittelständische Unternehmen (KMU) haben Versicherungen die Erfahrung gemacht, dass trotz dieser eindeutigen Entwicklung Cyberrisiken immer noch unterschätzt werden, da sie als etwas Abstraktes wahrgenommen werden. Für KMU kann dies ein gefährlicher Trugschluss sein, da gerade hier Cyberattacken existenzbedrohende Ausmaße annehmen können. So wird noch häufig gefragt, was Cyberrisiken eigentlich sind. Diese Frage ist mehr als verständlich, denn ohne (Cyber-)Risiken bestünde auch kein Bedarf für eine (Cyber-)Versicherung.

Wo erhalte ich vollständige Informationen über NailTech?

Nachfolgend finden Sie alle Details zu Übungstests, Dumps und aktuellen Fragen der NailTech: Nail Technician Prüfung.

2023 Updated Actual NailTech questions as experienced in Test Center

Aktuelle NailTech Fragen aus echten Tests von Killexams.com - easy finanz | easyfinanz

NailTech braindumps - Nail Technician | https://www.easyfinanz.cc/

Healthcare NailTech : Nail Technician ACTUAL EXAM QUESTIONS

Exam Dumps Organized by Richard



Latest 2023 Updated Healthcare Nail Technician Syllabus
NailTech ACTUAL EXAM QUESTIONS / Braindumps contains actual test Questions

Practice Tests and Free VCE Software - Questions Updated on Daily Basis
Big Discount / Cheapest price & 100% Pass Guarantee




NailTech Exam Center Questions : Download 100% Free NailTech ACTUAL EXAM QUESTIONS (PDF and VCE)

Exam Number : NailTech
Exam Name : Nail Technician
Vendor Name : Healthcare
Update : Click Here to Check Latest Update
Question Bank : Check Questions

Real test NailTech Exam dumps questions accessible for genuine test
NailTech PDF Dumps are provided by NailTech certified certified at killexams.com. Many individuals become confused as there are numerous NailTech Exam Braindumps suppliers available, making it challenging to choose the latest, legitimate, and up-to-date Nail Technician Free PDF. However, killexams.com has solved this issue by providing days-updated, latest, and legitimate NailTech Free test PDF with PDF Dumps for exercise tests that function great in actual NailTech exams.

Killexams.com offers the most accurate and valid NailTech ACTUAL EXAM QUESTIONS. Their dumps contain the latest Healthcare updated NailTech questions, and they constantly update them to ensure that they remain up-to-date. Most candidates fail their NailTech test because the questions are regularly updated by Healthcare. However, they at killexams.com have collected all NailTech Question Bank and created a Practice Test that contains nearly all of them. With their Practice Test, they certain that you will pass your NailTech test with good marks.

At killexams.com, they provide NailTech ACTUAL EXAM QUESTIONS that are both valid and up-to-date. They offer the latest NailTech ACTUAL EXAM QUESTIONS that are regularly updated by Healthcare. It is common for candidates to fail the NailTech test because the questions are regularly updated by Healthcare. To address this, they collect all NailTech Question Bank and create a Practice Test that contains almost all of them. Their Practice Test is so comprehensive that they certain a 100% pass rate for your NailTech test with good marks.







NailTech test Format | NailTech Course Contents | NailTech Course Outline | NailTech test Syllabus | NailTech test Objectives


Title: Healthcare Nail Technician Certification

Test Detail:
The Healthcare Nail Technician certification validates the knowledge and skills required to provide safe and hygienic nail care services in a healthcare setting. This certification is designed for individuals who work as nail technicians in healthcare facilities such as hospitals, clinics, or long-term care facilities.

Course Outline:
The Healthcare Nail Technician course provides participants with comprehensive knowledge and practical skills in providing nail care services while adhering to strict hygiene and safety standards. The following is a general outline of the key areas covered in the certification program:

1. Infection Control and Hygiene Practices:
- Understanding the importance of infection control in a healthcare setting
- Practicing proper hand hygiene and personal protective equipment (PPE) usage
- Disinfection and sterilization of nail care tools and equipment

2. Nail Anatomy and Physiology:
- Understanding the structure and function of the nail and surrounding tissues
- Identifying common nail disorders and diseases
- Recognizing contraindications and precautions for nail care services

3. Healthcare Regulations and Policies:
- Familiarizing with healthcare regulations and policies related to nail care
- Understanding the scope of practice for healthcare nail technicians
- Complying with patient confidentiality and privacy guidelines

4. Patient Assessment and Communication:
- Conducting a thorough test of the patient's nail health and needs
- Communicating effectively with patients, including those with special needs or limitations
- Recognizing and addressing potential risks or concerns for patients with compromised health conditions

5. Nail Care Services in a Healthcare Setting:
- Performing safe and hygienic manicures and pedicures
- Applying nail polish and other nail enhancements following healthcare guidelines
- Providing education and advice on nail care and hygiene practices for patients

6. Health and Safety Considerations:
- Identifying and responding to allergic reactions or adverse events related to nail care products
- Implementing proper waste disposal protocols
- Maintaining a clean and organized nail care workspace

Exam Objectives:
The Healthcare Nail Technician certification test assesses candidates' understanding of infection control practices, nail anatomy, healthcare regulations, patient exam, and the safe provision of nail care services in a healthcare setting. The test objectives include, but are not limited to:

1. Demonstrating knowledge of infection control and hygiene practices in a healthcare setting.
2. Understanding nail anatomy, common disorders, and contraindications for nail care.
3. Complying with healthcare regulations and policies relevant to nail care services.
4. Conducting patient exams and communicating effectively with patients.
5. Performing safe and hygienic nail care services, including manicures and pedicures.
6. Applying health and safety considerations in a healthcare nail care environment.

Syllabus:
The Healthcare Nail Technician certification program typically includes theoretical training, practical hands-on experience, and supervised clinical practice in a healthcare facility. The syllabus provides a breakdown of the subjects covered throughout the course, including specific learning objectives and milestones. The syllabus may include the following components:

- Introduction to healthcare nail technician certification and test overview
- Infection Control and Hygiene Practices
- Nail Anatomy and Physiology
- Healthcare Regulations and Policies
- Patient Assessment and Communication
- Nail Care Services in a Healthcare Setting
- Health and Safety Considerations
- test Preparation and Practice Tests
- Final Healthcare Nail Technician Certification Exam



Killexams Review | Reputation | Testimonials | Feedback


So easy study latest NailTech test with this question bank.
When I began preparing for the NailTech exam, I found it tough to manage my time effectively for practice. However, I found a solution by taking help from the sell-off and the Official Certification Guide. The NailTech dump that I found was fantastic and covered all the subjects smoothly and pleasantly. With little effort, I could get through most of them, answered all the questions in just 81 minutes, and got a score of 97. Thanks to killexams.com for their priceless steering, I felt really happy and satisfied.


Surprised to look NailTech braindumps and study guide!
I recently came across killexams.com, and I must say it is the best IT test practice platform I have ever used. I had no issues passing my NailTech test with ease. The questions were not only accurate, but they were also based on the way NailTech conducts the exam, making it easy to retain the answers in my memory. Although not all the questions were 100% identical, most of them were similar, making it easy to sort them out. This platform is exceptionally cool and useful, especially for IT professionals like myself.


Can I find real test Questions & Answers of NailTech exam?
When the NailTech test approached, going through killexams.com's question and answer resources became an addiction for me. With the test only six days away, it became critical for me to study the material. However, I needed a few reference guides to gain better help with the subject. Thanks to killexams.com's questions and answers, I was able to easily understand the subject, which would have been otherwise difficult. I managed to score 980, which was the highest mark in my class, all thanks to killexams.com products.


Is there a shortcut to pass NailTech exam?
I want to thank killexams.com for helping me achieve a score of 90% in the NailTech exam. The mock test papers provided by the website helped me prepare in an organized and efficient manner. The explanations provided for every answer were so appropriate that it gave me a clear understanding of the study material.


Great source of great NailTech brain dumps, accurate answers.
I passed the NailTech certification with the help of killexams.com's provided Questions Answers. However, just remembering the Dumps is not enough to pass the exam. There were quite a few questions on the test that were not in the provided braindumps, but preparing all these Questions Answers helped me to attempt those questions easily. I am thankful to Jack from England for recommending killexams.com.


Healthcare Technician ACTUAL EXAM QUESTIONS

 

5 Best No Medical test Life Insurance Policies for August 2023

In the market for life insurance but want to skip the medical test for one reason or another?

Here are the best no-exam life insurance policies from highly rated U.S. companies. Some of these policies certain acceptance regardless of your health, while others require you to answer a few health questions to qualify for coverage.

Why you can trust NerdWallet: Their writers and editors follow strict editorial guidelines to ensure the content on their site is accurate and fair so you can make financial decisions with confidence and choose the products that work best for you. Here is a list of their partners, and here’s how they make money.

Best no medical test life insurance for August 2023

Our top picks for this category earned a NerdWallet rating of at least 4.5 out of 5 stars.

5.0

NerdWallet rating 

NerdWallet's ratings are determined by their editorial team. The scoring formula incorporates consumer experience, financial strength ratings and complaint data.

No test but you may have to answer medical questions.

5.0

NerdWallet rating 

NerdWallet's ratings are determined by their editorial team. The scoring formula incorporates consumer experience, financial strength ratings and complaint data.

No test but you may have to answer medical questions.

4.5

NerdWallet rating 

NerdWallet's ratings are determined by their editorial team. The scoring formula incorporates consumer experience, financial strength ratings and complaint data.

No test or medical questions (whole life). No test but you may have to answer medical questions. (term life).

4.5

NerdWallet rating 

NerdWallet's ratings are determined by their editorial team. The scoring formula incorporates consumer experience, financial strength ratings and complaint data.

No test but you may have to answer medical questions.

4.5

NerdWallet rating 

NerdWallet's ratings are determined by their editorial team. The scoring formula incorporates consumer experience, financial strength ratings and complaint data.

No test but you may have to answer medical questions.

NerdWallet rates insurers at the company level, not the policy level. This means their star rating reflects the company as a whole, and not its no-exam insurance life policy specifically.

How they ranked the top life insurers

NerdWallet’s life insurance ratings are based on consumer experience, complaint index scores from the National Association of Insurance Commissioners for individual life insurance, and weighted averages of financial strength ratings, which indicate a company’s ability to pay future claims. Within the consumer experience category, they consider ease of communication and website transparency, which looks at the depth of policy details available online. To calculate each insurer’s rating, they adjusted the scores to a curved 5-point scale.

These ratings are a guide, but they encourage you to shop around and compare several insurance quotes to find the best rate for you. NerdWallet does not receive compensation for any reviews. Read their editorial guidelines.

How they review life insurance companies

In their life insurance reviews, their editorial team considers the customer and the insurer. These are some of the factors they take into account:

  • Term life insurance offers temporary coverage and a guaranteed payout if the policyholder dies during the term.

  • Permanent life insurance typically lasts a lifetime and builds cash value that can be borrowed against in the future.

  • No-exam life insurance issues coverage without the need for a medical exam.

  • Financial strength. They use AM Best ratings to confirm an insurer’s long-term financial stability and ability to pay claims. For life insurance, NerdWallet typically recommends considering insurers with ratings of A- or higher. Here’s the breakdown:

    Complaints. These ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. The best life insurance companies have fewer than the expected number of complaints.

    Buy online. This indicates whether an insurer allows you to apply for and buy a policy completely online.

    Best no-exam life insurance policies in 2023

    Learn more about each company in their top list by reading the brief summaries below and checking out the NerdWallet review links.

    Best online experience

    Haven Life

    5.0

    NerdWallet rating 

    NerdWallet's ratings are determined by their editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

    Bottom line: The company’s website is informative and user-friendly, making it easy to buy coverage online.

    overview

    pros & cons

    why they picked it

    Financial strength rating These ratings indicate an insurer’s ability to pay future claims.

    Exceptional

    Online purchase This indicates whether the company offers a way to apply for and purchase policies entirely online.

    Yes

    NAIC complaints Ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.

    Far fewer than expected

    Policies offered Term policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.

    Term & no-exam

  • Backed by longstanding insurance company, MassMutual.
  • Sleek online application.
  • Additional financial services available in most states at no charge.
  • Term life insurance can't be converted to permanent coverage.
  • Known for its user-friendly website and quick application process, Haven Life offers no-exam term policies up to $1 million. Like many no-medical test policies, you may still need to answer questions about your health and lifestyle.

    Best online experience

    Haven Life

    5.0

    NerdWallet rating 

    NerdWallet's ratings are determined by their editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

    Bottom line: The company’s website is informative and user-friendly, making it easy to buy coverage online.

    overview

    pros & cons

    why they picked it

    Financial strength rating These ratings indicate an insurer’s ability to pay future claims.

    Exceptional

    Online purchase This indicates whether the company offers a way to apply for and purchase policies entirely online.

    Yes

    NAIC complaints Ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.

    Far fewer than expected

    Policies offered Term policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.

    Term & no-exam

  • Backed by longstanding insurance company, MassMutual.
  • Sleek online application.
  • Additional financial services available in most states at no charge.
  • Term life insurance can't be converted to permanent coverage.
  • Known for its user-friendly website and quick application process, Haven Life offers no-exam term policies up to $1 million. Like many no-medical test policies, you may still need to answer questions about your health and lifestyle.

    Haven Life no-exam policy details

    Policy name: Haven Simple.

    Coverage: $25,000 to $1 million.

    Application: No exam, but you may have to answer questions about your health.

    Best for temporary coverage

    USAA

    5.0

    NerdWallet rating 

    NerdWallet's ratings are determined by their editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

    Bottom line: If you need quick, temporary coverage, USAA’s Essential Term Life policy renews annually and offers $100,000 of coverage without an exam.

    overview

    pros & cons

    why they picked it

    Financial strength rating These ratings indicate an insurer’s ability to pay future claims.

    Exceptional

    Online purchase This indicates whether the company offers a way to apply for and purchase policies entirely online.

    No

    NAIC complaints Ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.

    Fewer than expected

    Policies offered Term policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.

    Term, permanent & no-exam

  • Had fewer than the expected number of complaints compared to other companies.
  • Some policies include free perks for military personnel, such as a $25,000 severe injury payment.
  • Option to add $100,000 coverage to its term life policy after a major life event.
  • Some policies not available in New York or Montana.
  • If you need a life insurance policy quickly, but for only a short period of time, you may want to consider USAA’s Essential Term Life Insurance policy. This no-medical test policy renews each year up to age 39, giving you increased flexibility.

    Best for temporary coverage

    USAA

    5.0

    NerdWallet rating 

    NerdWallet's ratings are determined by their editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

    Bottom line: If you need quick, temporary coverage, USAA’s Essential Term Life policy renews annually and offers $100,000 of coverage without an exam.

    overview

    pros & cons

    why they picked it

    Financial strength rating These ratings indicate an insurer’s ability to pay future claims.

    Exceptional

    Online purchase This indicates whether the company offers a way to apply for and purchase policies entirely online.

    No

    NAIC complaints Ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.

    Fewer than expected

    Policies offered Term policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.

    Term, permanent & no-exam

  • Had fewer than the expected number of complaints compared to other companies.
  • Some policies include free perks for military personnel, such as a $25,000 severe injury payment.
  • Option to add $100,000 coverage to its term life policy after a major life event.
  • Some policies not available in New York or Montana.
  • If you need a life insurance policy quickly, but for only a short period of time, you may want to consider USAA’s Essential Term Life Insurance policy. This no-medical test policy renews each year up to age 39, giving you increased flexibility.

    USAA no-exam policy details

    Policy name: Essential Term Life Insurance (not available in Arizona or New York).

    Coverage: $100,000 (renews each year to age 39).

    Application: No exam, but you may have to answer questions about your health.

    Best for senior members

    AARP

    4.5

    NerdWallet rating 

    NerdWallet's ratings are determined by their editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

    Bottom line: Great option for senior AARP members. Older applicants can get coverage without answering any medical questions or taking an exam.

    overview

    pros & cons

    why they picked it

    Financial strength rating These ratings indicate an insurer’s ability to pay future claims.

    Exceptional

    Online purchase This indicates whether the company offers a way to apply for and purchase policies entirely online.

    No

    NAIC complaints Ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.

    Fewer than expected

    Policies offered Term policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.

    Term, permanent & no-exam

  • No medical exams required.
  • Fewer than the expected number of complaints to state regulators.
  • Anyone age 50 and up can get access through AARP membership.
  • Term life insurance premiums rise every five years.
  • For senior applicants, AARP stands out for offering whole insurance with guaranteed coverage, which means you won’t have to take a medical test or answer health questions. AARP also offers simplified issue term life insurance, if you’re willing to answer health questions.

    Best for senior members

    AARP

    4.5

    NerdWallet rating 

    NerdWallet's ratings are determined by their editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

    Bottom line: Great option for senior AARP members. Older applicants can get coverage without answering any medical questions or taking an exam.

    overview

    pros & cons

    why they picked it

    Financial strength rating These ratings indicate an insurer’s ability to pay future claims.

    Exceptional

    Online purchase This indicates whether the company offers a way to apply for and purchase policies entirely online.

    No

    NAIC complaints Ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.

    Fewer than expected

    Policies offered Term policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.

    Term, permanent & no-exam

  • No medical exams required.
  • Fewer than the expected number of complaints to state regulators.
  • Anyone age 50 and up can get access through AARP membership.
  • Term life insurance premiums rise every five years.
  • For senior applicants, AARP stands out for offering whole insurance with guaranteed coverage, which means you won’t have to take a medical test or answer health questions. AARP also offers simplified issue term life insurance, if you’re willing to answer health questions.

    AARP no-exam policy details

    Policy name: Level Benefit Term Life Insurance.

    Issue age: 50 to 74 for AARP members (45 to 74 for partners and spouses).

    Coverage: $10,000 to $150,000 (up to $100,000 for New York residents).

    Application: No exam, but you may have to answer questions about your health.

    Policy name: Guaranteed Acceptance Life Insurance.

    Issue age: 50 to 80 for AARP members and 45 to 80 for partners and spouses (50 to 75 for members and spouses in New York).

    Application: No health questions or exam.

    Best for customization

    Country Financial

    4.5

    NerdWallet rating 

    NerdWallet's ratings are determined by their editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

    Bottom line: A range of life insurance riders can be added to both term and whole life policies so you can customize your coverage.

    overview

    pros & cons

    why they picked it

    Financial strength rating These ratings indicate an insurer’s ability to pay future claims.

    Exceptional

    Online purchase This indicates whether the company offers a way to apply for and purchase policies entirely online.

    No

    NAIC complaints Ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.

    Fewer than expected

    Policies offered Term policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.

    Term & permanent

  • Offers multiple insurance products.
  • Not available in all states.
  • If you want a no-medical test policy you can customize to your liking, Country Financial might be right for you. The company sells no-medical test term and whole life with several riders you can add-on, including accelerated death benefits and child term insurance.

    Best for customization

    Country Financial

    4.5

    NerdWallet rating 

    NerdWallet's ratings are determined by their editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

    Bottom line: A range of life insurance riders can be added to both term and whole life policies so you can customize your coverage.

    overview

    pros & cons

    why they picked it

    Financial strength rating These ratings indicate an insurer’s ability to pay future claims.

    Exceptional

    Online purchase This indicates whether the company offers a way to apply for and purchase policies entirely online.

    No

    NAIC complaints Ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.

    Fewer than expected

    Policies offered Term policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.

    Term & permanent

  • Offers multiple insurance products.
  • Not available in all states.
  • If you want a no-medical test policy you can customize to your liking, Country Financial might be right for you. The company sells no-medical test term and whole life with several riders you can add-on, including accelerated death benefits and child term insurance.

    Country Financial no-exam policy details

    Policy type: Simplified term or whole life insurance.

    Issue age: 50 or younger.

    Coverage: Up to $100,000.

    Application: No exam, but you may have to answer questions about your health.

    Best for accessibility

    Nationwide

    4.5

    NerdWallet rating 

    NerdWallet's ratings are determined by their editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

    Bottom line: The issue age range for this policy is 80 and younger — a relatively broad age range for this type of coverage.

    overview

    pros & cons

    why they picked it

    Financial strength rating These ratings indicate an insurer’s ability to pay future claims.

    Exceptional

    Online purchase This indicates whether the company offers a way to apply for and purchase policies entirely online.

    No

    NAIC complaints Ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.

    Fewer than expected

    Policies offered Term policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.

    Term & permanent

  • Ranked sixth in J.D. Power's 2022 customer satisfaction study for life insurance.
  • Low volume of complaints for a company of its size.
  • Not all policies can be paid online.
  • Unlike most other no-exam life insurance, Nationwide’s Simplified Whole LIfe policy offers coverage for customers younger than 20 years old. The company issues policies to applicants 80 years old or younger.

    Best for accessibility

    Nationwide

    4.5

    NerdWallet rating 

    NerdWallet's ratings are determined by their editorial team. The scoring formula takes into account consumer complaint and customer satisfaction data.

    Bottom line: The issue age range for this policy is 80 and younger — a relatively broad age range for this type of coverage.

    overview

    pros & cons

    why they picked it

    Financial strength rating These ratings indicate an insurer’s ability to pay future claims.

    Exceptional

    Online purchase This indicates whether the company offers a way to apply for and purchase policies entirely online.

    No

    NAIC complaints Ratings are based on complaints to state regulators relative to a company’s size, according to three years’ worth of data from the National Association of Insurance Commissioners. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC.

    Fewer than expected

    Policies offered Term policies last a set number of years, while permanent policies typically last a lifetime. No-exam policies don’t require a medical exam.

    Term & permanent

  • Ranked sixth in J.D. Power's 2022 customer satisfaction study for life insurance.
  • Low volume of complaints for a company of its size.
  • Not all policies can be paid online.
  • Unlike most other no-exam life insurance, Nationwide’s Simplified Whole LIfe policy offers coverage for customers younger than 20 years old. The company issues policies to applicants 80 years old or younger.

    Nationwide no-exam policy details

    Policy name: Nationwide Simplified Whole Life.

    Issue age: 80 or younger (75 and younger in Minnesota, Mississippi, North Carolina, and Pennsylvania).

    Coverage: $10,000 to $50,000 ($25,000 to $50,000 in Washington).

    Application: No exam, but you may have to answer questions about your health.

    Find the right life insurance plan for you

    Make sure you and your loved ones are covered - compare customized life insurance quotes from their partners.

    What is no-exam life insurance?

    With traditional life insurance policies, applicants typically have to fill out a questionnaire about their health and lifestyle and take a medical exam. It's similar to an annual physical. A medical professional measures your height, weight, blood pressure and cholesterol and usually takes a blood, urine and saliva sample.

    No-medical test policies remove the test from the application process. Depending on the type of policy you apply for, you might still need to answer questions about your health and lifestyle — but some policies skip that part, too.

    These policies tend to appeal to those with serious health conditions or healthy people who want to speed up the life insurance application process.

    Alternatives to no medical test life insurance

    In general, policies that don’t require an test can be more pricey than ones that do. So if you’re young and healthy, you may want to consider a policy with full medical underwriting. If you’re looking for a quick application process, you may want to consider instant life insurance, which uses big data and complex algorithms to calculate risk and reserves the right to ask for an exam.

    More about buying life insurance as a senior

    More about top-rated life insurance companies

    Looking for a different type of life insurance policy? Check out NerdWallet’s top picks across these categories:

    More about buying life insurance with a health condition

    Insurer complaints methodology

    NerdWallet examined complaints received by state insurance regulators and reported to the National Association of Insurance Commissioners in 2019-2021. To assess how insurers compare with one another, the NAIC calculates a complaint index each year for each subsidiary, measuring its share of total complaints relative to its size, or share of total premiums in the industry. To evaluate a company’s complaint history, NerdWallet calculated a similar index for each insurer, weighted by market shares of each subsidiary, over the three-year period. NerdWallet conducts its data analysis and reaches conclusions independently and without the endorsement of the NAIC. Ratios are determined separately for auto, home (including renters and condo) and life insurance.


    Chartered Market Technician (CMT): Definition and About the Exams

    What Is a Chartered Market Technician (CMT)?

    A chartered market technician (CMT®) is a professional technical analyst that holds the CMT designation organized by the CMT Association (formerly the MTA), a global credentialing body with nearly 50 years of service to the financial industry. The CMT marks the highest level of training within the discipline and is the preeminent designation for practitioners worldwide.

    Technical analysis provides the tools to successfully navigate the gap between intrinsic value and market price across all asset classes through a disciplined, systematic approach to market behavior and the law of supply and demand. Earning the CMT designation demonstrates that you have mastery of a core body of knowledge of investment risk in portfolio management, including quantitative approaches to market research and rules-based trading system design and testing.

    Key Takeaways
  • The chartered market technician (CMT®) designation is a professional credential.
  • It is earned by those who can demonstrate extensive knowledge and aptitude in technical analysis and trading.
  • To earn the designation, candidates must complete an intensive self-study program and pass a series of three comprehensive exams.
  • These exams are considered the "gold standard" in the industry.
  • Administered by the CMT Association, this program aims not only to develop technical and professional skills but also to provide a code of ethics and an ethical framework to work within. 
  • Understanding a Chartered Market Technician (CMT)

    To be granted a Chartered Market Technician (CMT®) designation, a candidate must pass three examination levels, complete the membership application process, and agree to the CMT Association’s code of ethics.

    To register for the CMT Program, individuals must pay the one-time $250 enrollment fee associated with the test cycle. After enrolling in the program, candidates can then register for their first exam. All three levels of the CMT program exams are given on a computer at testing facilities or proctored remotely. Since 2019, CMT discontinued membership requirements for CMT candidates. However, member pricing for the exams differs from nonmember pricing.

    Among industry practitioners, the CMT designation is widely considered the gold standard in technical analysis globally.

    The CMT Exams

    The purpose of the CMT Program is to promote the development of a candidate's professional knowledge with respect to the study and application of technical analysis. The CMT Program is self-study. The curriculum is available through Wiley: Efficient Learning.

    CMT Level I

    The CMT Level I test measures basic, entry-level competence and understanding of technical analysis. The Level I candidate needs to have a working knowledge of the basic tools of a technical analyst. Once the first level is successfully completed there is no time limit to pass the subsequent levels. The CMT website states that the Level 1 test measures basic, entry-level competence and understanding; the candidate needs to have a working knowledge of the basic tools of the technical analyst:

    Registration costs for the CMT Level I are as follows: for early registration, the cost is $295 for members and $470 for non-members; for standard registration, the cost is $395 for members and $570 for non-members, and for late registration, the cost is $595 for members and $770 for non-members.

    CMT Level I subjects Areas Content Areas Percent Theory and History 9% Markets 5% Market Indicators 7% Chart Construction 5% Trend Analysis 16% Chart and Pattern Analysis 23% Confirmation 3% Cycles 5% Selection and Decisionmaking 13% System Testing 5% Statistical Analysis 6% Ethics 3% Total 100% CMT Level I subjects Areas CMT Level II

    The CMT Level II test requires the candidate to demonstrate a greater depth of analysis and use of technical tools. The Level II candidate is expected to demonstrate proficiency in applying more advanced analytical techniques and technical analysis theory. The MTA website states that the Level 2 test requires the candidate to demonstrate a greater depth of analysis and use of technical tools. Candidates are expected to demonstrate proficiency in more advanced analytical techniques and technical analysis theory.

    CMT Level II course Areas Content Area Percent Theory and History 5% Market Indicators 8% Chart Construction 3% Trend Analysis 15% Chart and Pattern Analysis 15% Confirmation 6% Cycles 3% Selection and Decisionmaking 10% System Testing 10% Statistical Analysis 7% Risk Management 15% Ethics 3% Total 100% CMT Level II course Areas CMT Level III

    The CMT Level III test tests the candidate on developing logical and consistent research opinions, portfolio strategies, and trading decisions based on a wide range of charts and technical data. The Level III candidate is asked to analyze case studies, make recommendations, and justify those recommendations based on the data provided.

    All candidates must pass the ethics portion of this exam. Upon successfully completing Level III, candidates can start the membership process to obtain the Chartered Market Technician® Designation. The Level III test requires the candidate to make a list, state and justify their analysis, or supply a similar written response. The primary focus of the test is the practical and ethical application and integration of technical analysis.

    CMT Level III course Areas Content Areas Percent Ethics  5% Risk Management 21% Asset Relationships 18% Portfolio Management 18% Behavioral Finance 10% Volatility Analysis 7% Classic Methods 21% Total 100% CMT Level III course Areas Additional CMT Association Membership Requirements

    In addition to the above-listed requirements (passing three examination levels), completing the membership application process, and agreeing to the CMT Association’s code of ethics, candidates must secure at least three CMT Member references who can speak to the candidate's knowledge, skill, and ability in the field of technical analysis.

    The CMT Association discontinued its membership requirement for CMT test candidates. You may still choose to become an affiliate member before enrolling in the CMT Program, but it is no longer required. However, member pricing for the exams differs from non-member pricing.

    In addition, CMT candidates must complete at least three years of professional work experience practicing technical analysis in their position.

    How Do I Become a Chartered Market Technician (CMT)?

    To become a chartered market technician (CMT), you need to take and pass all three levels of the CMT exam, become a CMT member, and then work in a related field—typically one with a technical aspect in investment management—for at least three years.

    How Much Do Chartered Market Technicians (CMTs) Make?

    The median annual pay for a financial analyst is $83,660, according to the Bureau of Labor Statistics (BLS). A CMT is a specialized type of financial analyst with a median salary that is higher; approximately above $200,000, depending on the region and job.

    How Do I Prepare for the CMT Level I Exam?

    For the CMT Level I exam, the CMT Association recommends 100 hours of study time. For Level II and Level III, 140 hours and 160 hours are recommended, respectively. Third-party test providers approved by the CMT Association are available to help prepare for the test but the official CMT curriculum is recommended first.


    What To Expect During Your First Women’s Wellness Exam

    During a well woman exam, your doctor will review all of your current medical issues and determine if there is anything missing from care, says Dr. Marchand. It is important to note that medicine is constantly changing, so treatment that is recommended can vary a lot in just one year, he adds. The doctor should examine you from head to toe, check your vital signs, and assess if you are due for any vaccines. The visit generally includes the following:

    Health History and Physical Exam

    Upon arrival, you will undergo a routine physical test that includes taking your weight, pulse and blood pressure. A urine sample may be requested to test for sexually transmitted diseases (STDs) and rule out urinary tract infections, says Dr. Alagia. “You will be asked to change into a gown after being left alone in the examination room. Once your health care professional enters the room, they should take a few moments to review the test they are planning to perform and explain the reason for the specific exam,” he says.

    You’ll have time before, after and during the test to ask and answer any questions you and your health care provider might have. It’s useful to prepare a list of questions in advance.

    The questions that your doctor asks will be tailored to your age and medical history, says Dr. Swarup. For example, they may ask if you smoke, use drugs or alcohol, have any allergies or infections and whether you’ve had any surgeries, he says––all of these factors can affect your reproductive health.

    Your doctor may ask the following questions, according to Dr. Swarup:

  • How long ago was your last period?
  • How often do your periods occur and how long do they last?
  • Is there spotting between your periods?
  • Is there any vaginal itching, pain or discharge?
  • Are you experiencing any medical concerns?
  • Do any members of your family have medical issues?
  • How often are you sexually active, and do you have a new partner?
  • What type of sex do you have? Is it painful? Do you ever bleed after?
  • Do you use birth control?
  • Are you concerned you might be pregnant?
  • Are you trying to get pregnant?
  • What do you use to prevent sexually transmitted diseases (STDs)?
  • It’s important to be completely honest in your answers because the questions are to benefit your health, says Dr. Marchand. “Remember that a doctor can never share any personal information about your visit (doing so could easily lead to medical board discipline or loss of licensure),” he says. Doctors can share your information with other members of their health team if it is necessary to provide your care or coordinate your care. Doctors can also share your information with your permission. Doctors can also share your information with law enforcement to prevent or lessen a serious and imminent threat to the health or safety of an individual or the public. Dr. Alagia adds that having an honest dialogue with your health care professional helps them recommend guideline-based care such as STD screening, cancer screenings and other services.

    You should also expect questions about your diet, life stressors and exercise habits, says Dr. Marchand. “Since screening for depression and anxiety is very important for all patients, you should be ready for questions about how you’re feeling,” he says.

    Breast Exam

    Starting at the age of 20, a breast test may be conducted every one to three years to identify any irregularities or lumps, says Dr. Swarup, but recommendations vary. For example, the ACOG advises that clinical breast examinations may be offered every one to three years in women ages 25 to 39, and once a year in women over the age of 40.

    The American Cancer Society does not recommend clinical breast exams nor self breast exams at all due to lack of evidence that it contributes very little to early breast cancer detection when mammography is available. Currently, mammograms (x-ray images of the breast) are recommended annually in women over the age of 45 and once every two years in women over the age of 55.

    The ACOG that women between the ages of 25 and 39 be offered a clinical breast test every one to three years, and that women over the age of 40 be offered them annually. In either case, the ACOG recommends women make the decision that’s best for them.

    If your practitioner conducts a clinical breast exam, you will be asked to lift one arm behind your head, explains Dr. Alagia. This allows your doctor to better examine each breast, applying gentle pressure in circular movements. “They will look for abnormal lumps or cysts. If any lumps are discovered, a biopsy will be ordered to determine if they are cancerous or not,” says Dr. Alagia.

    Pelvic Exam

    A pelvic, or internal exam, is performed to check the vulva, vagina, cervix, fallopian tubes, ovaries and rectum for abnormalities. Adolescents don’t need a pelvic test unless they are experiencing abnormal bleeding, discharge, or pelvic pain. It’s unlikely that you’ll have a pelvic test before the age of 21 unless such symptoms are present. Although the test may be uncomfortable, it should not be painful. Keeping your body relaxed will help minimize discomfort.

    During a pelvic exam, your doctor will also examine your vulva and rectum for irritation, redness or other signs of anything concerning, says Dr. Swarup. A lubricated speculum is placed into the vagina to look inside it, allowing the cervix to be evaluated for signs of disease. After removing the speculum, your doctor will gently insert one or two fingers (using a lubricated glove) into your vaginal canal while placing gentle pressure on the lower abdomen, explains Dr. Alagia. This allows them to check for abnormalities in the size, shape, and position of the uterus and ovaries.

    You can expect to feel pressure, says Dr. Alagia, adding that it’s important to communicate any feelings of pain, heaviness, bloating or tenderness––this helps your doctor understand potential causes for concern.

    Cervical Cancer Screening

    Depending on your age, you may undergo cervical cancer screening via a Pap smear and/or human papillomavirus (HPV) test during your pelvic exam. A Pap smear looks for cellular changes in the cervix that may turn into cervical cancer, and an HPV test checks for the presence of the human papillomavirus, the virus responsible for causing these changes.

    Current U.S. Preventive Services Task Force guidelines advise that women between the ages of 21 and 29 be screened every three years with a Pap smear alone; women ages 30 to 65 may be screened every three years with a Pap test only, every five years with HPV testing only or every five years with both.

    For both HPV and Pap tests, your health care practitioner will insert a lubricated speculum into your vaginal canal to view your vagina and cervix, explains Dr. Alagia. “They will swipe your cervix with a swab and send it to a lab to ensure there are no signs of cervical cancer and ensure your cervix is healthy,” he says.

    Sexually Transmitted Disease (STD) Screening

    Even if you think you are not at risk, you should discuss STD screening with your doctor, says Dr. Alagia. Currently, the Centers for Disease Control and Prevention (CDC) recommends the following testing schedule for STDS:

  • All adults and adolescents ages 13 to 64 should be tested at least once for HIV.
  • All sexually active women younger than 25 should be tested for gonorrhea and chlamydia yearly, and women over 25 with new or multiple sex partners or a sex partner with an STD should be tested yearly.
  • Pregnant women should be tested for syphilis, HIV, hepatitis B and hepatitis C early in their pregnancy, and those who are at risk (new or multiple sex partners) should also be tested for chlamydia and gonorrhea.
  • Your Hormones-Free Birth Control and Fertility Tracker

    Natural Cycles is a FDA cleared birth control app backed by science that uses your body temperature to detect and predict ovulation based on your unique cycle.


     




    While it is hard job to pick solid certification questions/answers regarding review, reputation and validity since individuals get sham because of picking incorrec service. Killexams.com ensure to serve its customers best to its efforts as for ACTUAL EXAM QUESTIONS update and validity. Most of other's post false reports with objections about us for the brain dumps bout their customers pass their exams cheerfully and effortlessly. They never bargain on their review, reputation and quality because killexams review, killexams reputation and killexams customer certainty is imperative to us. Extraordinarily they deal with false killexams.com review, killexams.com reputation, killexams.com scam reports. killexams.com trust, killexams.com validity, killexams.com report and killexams.com that are posted by genuine customers is helpful to others. If you see any false report posted by their opponents with the name killexams scam report on web, killexams.com score reports, killexams.com reviews, killexams.com protestation or something like this, simply remember there are constantly terrible individuals harming reputation of good administrations because of their advantages. Most clients that pass their exams utilizing killexams.com brain dumps, killexams PDF questions, killexams practice questions, killexams test VCE simulator. Visit their example questions and test brain dumps, their test simulator and you will realize that killexams.com is the best ACTUAL EXAM QUESTIONS site.

    Which is the best dumps website?
    Yes, Killexams is practically legit and also fully good. There are several attributes that makes killexams.com realistic and legitimate. It provides up-to-date and practically valid ACTUAL EXAM QUESTIONS made up of real exams questions and answers. Price is extremely low as compared to almost all the services online. The Dumps are up to date on common basis along with most accurate brain dumps. Killexams account structure and merchandise delivery is extremely fast. File downloading can be unlimited and extremely fast. Aid is avaiable via Livechat and E mail. These are the features that makes killexams.com a strong website offering ACTUAL EXAM QUESTIONS with real exams questions.



    Is killexams.com test material dependable?
    There are several Dumps provider in the market claiming that they provide actual test Questions, Braindumps, Practice Tests, Study Guides, cheat sheet and many other names, but most of them are re-sellers that do not update their contents frequently. Killexams.com is best website of Year 2023 that understands the issue candidates face when they spend their time studying obsolete contents taken from free pdf download sites or reseller sites. Thats why killexams.com update test Dumps with the same frequency as they are updated in Real Test. ACTUAL EXAM QUESTIONS provided by killexams.com are Reliable, Up-to-date and validated by Certified Professionals. They maintain dumps collection of valid Questions that is kept up-to-date by checking update on daily basis.

    If you want to Pass your test Fast with improvement in your knowledge about latest course contents and subjects of new syllabus, They recommend to download PDF test Questions from killexams.com and get ready for actual exam. When you feel that you should register for Premium Version, Just choose visit killexams.com and register, you will receive your Username/Password in your Email within 5 to 10 minutes. All the future updates and changes in Dumps will be provided in your download Account. You can download Premium ACTUAL EXAM QUESTIONS files as many times as you want, There is no limit.

    Killexams.com has provided VCE practice test Software to Practice your test by Taking Test Frequently. It asks the Real test Questions and Marks Your Progress. You can take test as many times as you want. There is no limit. It will make your test prep very fast and effective. When you start getting 100% Marks with complete Pool of Questions, you will be ready to take actual Test. Go register for Test in Exam Center and Enjoy your Success.




    PL-600 Free PDF | WPT-R dump questions | S90.04A cbt | 020-222 examcollection | SOFE-AFE Dumps | 350-601 mock test | MB-330 PDF download | Dietitian practice questions | 2B0-011 free pdf download | MS-100 test test | CABA free test papers | FortiSandbox free prep | IBQH001 Test Prep | 1Y0-341 PDF download | SABE201 Study Guide | 78201X actual Questions | GASF past exams | NCEES-FE-Electrical-and-Computer pass test | 9L0-314 practice test | CCJE test Questions |


    NailTech - Nail Technician Latest Topics
    NailTech - Nail Technician information search
    NailTech - Nail Technician test prep
    NailTech - Nail Technician PDF Download
    NailTech - Nail Technician information source
    NailTech - Nail Technician Latest Questions
    NailTech - Nail Technician braindumps
    NailTech - Nail Technician techniques
    NailTech - Nail Technician study help
    NailTech - Nail Technician real questions
    NailTech - Nail Technician PDF Download
    NailTech - Nail Technician PDF Dumps
    NailTech - Nail Technician ACTUAL EXAM QUESTIONS
    NailTech - Nail Technician Dumps
    NailTech - Nail Technician test Questions
    NailTech - Nail Technician information source
    NailTech - Nail Technician Study Guide
    NailTech - Nail Technician techniques
    NailTech - Nail Technician test prep
    NailTech - Nail Technician real questions
    NailTech - Nail Technician study help
    NailTech - Nail Technician Latest Questions
    NailTech - Nail Technician testing
    NailTech - Nail Technician exam
    NailTech - Nail Technician test Questions
    NailTech - Nail Technician information source
    NailTech - Nail Technician study tips
    NailTech - Nail Technician PDF Download
    NailTech - Nail Technician information source
    NailTech - Nail Technician answers
    NailTech - Nail Technician information source
    NailTech - Nail Technician Latest Topics
    NailTech - Nail Technician techniques
    NailTech - Nail Technician test
    NailTech - Nail Technician Question Bank
    NailTech - Nail Technician test Questions
    NailTech - Nail Technician Practice Test
    NailTech - Nail Technician Study Guide
    NailTech - Nail Technician certification
    NailTech - Nail Technician tricks
    NailTech - Nail Technician test Questions
    NailTech - Nail Technician teaching
    NailTech - Nail Technician test Questions
    NailTech - Nail Technician exam

    Other Healthcare ACTUAL EXAM QUESTIONS


    CPHQ PDF Download | NailTech training material | RHIA dump |


    Best ACTUAL EXAM QUESTIONS You Ever Experienced


    1T6-111 PDF Questions | BCCPP practice questions | ACA-CloudNative pdf download | MSFP dump | AD0-E308 brain dumps | 500-052 test example | 920-556 study material | MAT test results | CBSA cheat sheet pdf | CDCA-ADEX boot camp | CLOUDF test sample | 300-215 assessment test sample | AZ-303 test questions | 71201X Practice Test | PCNSE sample questions | IAPP-CIPM Latest Questions | MS-720 VCE | CFSA braindumps | 050-v71-CASECURID02 test prep | SAA-C02 practical test |





    References :


    https://arfansaleemfan.blogspot.com/2020/08/nailtech-nail-technician-practice-test.html
    https://youtu.be/Vv2JsKPH7l8
    https://sites.google.com/view/killexams-nailtech-pdf-downloa
    https://drp.mk/i/R9Sk9w4Px
    https://www.instapaper.com/read/1397667542
    http://feeds.feedburner.com/killexams/IuvM



    Similar Websites :
    Pass4sure Certification ACTUAL EXAM QUESTIONS
    Pass4Sure test Questions and Dumps






    Direct Download

    NailTech Reviews by Customers

    Customer Reviews help to evaluate the exam performance in real test. Here all the reviews, reputation, success stories and ripoff reports provided.

    NailTech Reviews

    100% Valid and Up to Date NailTech Exam Questions

    We hereby announce with the collaboration of world's leader in Certification Exam Dumps and Real Exam Questions with Practice Tests that, we offer Real Exam Questions of thousands of Certification Exams Free PDF with up to date VCE exam simulator Software.

    Warum sind Cyberrisiken so schwer greifbar?

    Als mehr oder weniger neuartiges Phänomen stellen Cyberrisiken Unternehmen und Versicherer vor besondere Herausforderungen. Nicht nur die neuen Schadenszenarien sind abstrakter oder noch nicht bekannt. Häufig sind immaterielle Werte durch Cyberrisiken in Gefahr. Diese wertvollen Vermögensgegenstände sind schwer bewertbar.

    Obwohl die Gefahr durchaus wahrgenommen wird, unterschätzen viele Firmen ihr eigenes Risiko. Dies liegt unter anderem auch an den Veröffentlichungen zu Cyberrisiken. In der Presse finden sich unzählige Berichte von Cyberattacken auf namhafte und große Unternehmen. Den Weg in die Presse finden eben nur die spektakulären Fälle. Die dort genannten Schadenszenarien werden dann für das eigene Unternehmen als unrealistisch eingestuft. Die für die KMU nicht minder gefährlichen Cyber­attacken werden nur selten publiziert.

    Aufgrund der fehlenden öffentlichen Meldungen von Sicherheitsvorfällen an Sicherheitsbehörden und wegen der fehlenden Presseberichte fällt es schwer, Fakten und Zahlen zur Risikolage zu erheben. Aber ohne diese Grundlage fällt es schwer, in entsprechende Sicherheitsmaßnahmen zu investieren.

    Erklärungsleitfaden anhand eines Ursache-Wirkungs-Modells

    Häufig nähert man sich dem Thema Cyberrisiko anlass- oder eventbezogen, also wenn sich neue Schaden­szenarien wie die weltweite WannaCry-Attacke entwickeln. Häufig wird auch akteursgebunden beleuchtet, wer Angreifer oder Opfer sein kann. Dadurch begrenzt man sich bei dem Thema häufig zu sehr nur auf die Cyberkriminalität. Um dem Thema Cyberrisiko jedoch gerecht zu werden, müssen auch weitere Ursachen hinzugezogen werden.

    Mit einer Kategorisierung kann das Thema ganzheitlich und nachvollziehbar strukturiert werden. Ebenso hilft eine solche Kategorisierung dabei, eine Abgrenzung vorzunehmen, für welche Gefahren Versicherungsschutz über eine etwaige Cyberversicherung besteht und für welche nicht.

    Die Ursachen sind dabei die Risiken, während finanzielle bzw. nicht finanzielle Verluste die Wirkungen sind. Cyberrisiken werden demnach in zwei Hauptursachen eingeteilt. Auf der einen Seite sind die nicht kriminellen Ursachen und auf der anderen Seite die kriminellen Ursachen zu nennen. Beide Ursachen können dabei in drei Untergruppen unterteilt werden.

    Nicht kriminelle Ursachen

    Höhere Gewalt

    Häufig hat man bei dem Thema Cyberrisiko nur die kriminellen Ursachen vor Augen. Aber auch höhere Gewalt kann zu einem empfindlichen Datenverlust führen oder zumindest die Verfügbarkeit von Daten einschränken, indem Rechenzentren durch Naturkatastrophen wie beispielsweise Überschwemmungen oder Erdbeben zerstört werden. Ebenso sind Stromausfälle denkbar.

    Menschliches Versagen/Fehlverhalten

    Als Cyberrisiken sind auch unbeabsichtigtes und menschliches Fehlverhalten denkbar. Hierunter könnte das versehentliche Veröffentlichen von sensiblen Informationen fallen. Möglich sind eine falsche Adressierung, Wahl einer falschen Faxnummer oder das Hochladen sensibler Daten auf einen öffentlichen Bereich der Homepage.

    Technisches Versagen

    Auch Hardwaredefekte können zu einem herben Datenverlust führen. Neben einem Überhitzen von Rechnern sind Kurzschlüsse in Systemtechnik oder sogenannte Headcrashes von Festplatten denkbare Szenarien.

    Kriminelle Ursachen

    Hackerangriffe

    Hackerangriffe oder Cyberattacken sind in der Regel die Szenarien, die die Presse dominieren. Häufig wird von spektakulären Datendiebstählen auf große Firmen oder von weltweiten Angriffen mit sogenannten Kryptotrojanern berichtet. Opfer kann am Ende aber jeder werden. Ziele, Methoden und auch das Interesse sind vielfältig. Neben dem finanziellen Interesse können Hackerangriffe auch zur Spionage oder Sabotage eingesetzt werden. Mögliche Hackermethoden sind unter anderem: Social Engineering, Trojaner, DoS-Attacken oder Viren.

    Physischer Angriff

    Die Zielsetzung eines physischen Angriffs ist ähnlich dem eines Hacker­angriffs. Dabei wird nicht auf die Tools eines Hackerangriffs zurückgegriffen, sondern durch das physische Eindringen in Unternehmensgebäude das Ziel erreicht. Häufig sind es Mitarbeiter, die vertrauliche Informationen stehlen, da sie bereits den notwendigen Zugang zu den Daten besitzen.

    Erpressung

    Obwohl die Erpressung aufgrund der eingesetzten Methoden auch als Hacker­angriff gewertet werden könnte, ergibt eine Differenzierung Sinn. Erpressungsfälle durch Kryptotrojaner sind eines der häufigsten Schadenszenarien für kleinere und mittelständische Unternehmen. Außerdem sind auch Erpressungsfälle denkbar, bei denen sensible Daten gestohlen wurden und ein Lösegeld gefordert wird, damit sie nicht veröffentlicht oder weiterverkauft werden.

    Ihre Cyberversicherung sollte zumindet folgende Schäden abdecken:

    Cyber-Kosten:

    • Soforthilfe und Forensik-Kosten (Kosten der Ursachenermittlung, Benachrichtigungskosten und Callcenter-Leistung)
    • Krisenkommunikation / PR-Maßnahmen
    • Systemverbesserungen nach einer Cyber-Attacke
    • Aufwendungen vor Eintritt des Versicherungsfalls

    Cyber-Drittschäden (Haftpflicht):

    • Befriedigung oder Abwehr von Ansprüchen Dritter
    • Rechtswidrige elektronische Kommunikation
    • Ansprüche der E-Payment-Serviceprovider
    • Vertragsstrafe wegen der Verletzung von Geheimhaltungspflichten und Datenschutzvereinbarungen
    • Vertragliche Schadenersatzansprüche
    • Vertragliche Haftpflicht bei Datenverarbeitung durch Dritte
    • Rechtsverteidigungskosten

    Cyber-Eigenschäden:

    • Betriebsunterbrechung
    • Betriebsunterbrechung durch Ausfall von Dienstleister (optional)
    • Mehrkosten
    • Wiederherstellung von Daten (auch Entfernen der Schadsoftware)
    • Cyber-Diebstahl: elektronischer Zahlungsverkehr, fehlerhafter Versand von Waren, Telefon-Mehrkosten/erhöhte Nutzungsentgelte
    • Cyber-Erpressung
    • Entschädigung mit Strafcharakter/Bußgeld
    • Ersatz-IT-Hardware
    • Cyber-Betrug