Shiraz Boghani of Harrow, United Kingdom, started out his professional career as a chartered accountant. He strongly desired to enter the hospitality industry, though, and in the early 1990s he launched his first hotel. His company, Splendid Hospitality Group, now owns and operates several hotels including the Hilton London Bankside, Vanbrugh House Hotel, Holiday Inn Wembley, and Mercure Bristol Brigstow Hotel.
When he first started out in the hospitality industry he specialized in limited services brands like Holiday Inn. Shiraz Boghani is considered to be one of the pioneers in these types of hotels in the United Kingdom. Since that time he has added a number of luxury hotels to his portfolio such as The Grand Hotel & Spa York. His success as a hotel owner led to him being named as the Hotelier of the Year at the 2016 Asian Business Awards.
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Shiraz Boghani branched out into healthcare in 2008. Along with a business partner, he established Sussex Healthcare. This company operates a network of assisted living homes in the county of Sussex. The homes are occupied by elderly people as well as adults who cannot care for themselves due to reasons like brain injuries or MPLD (Multiple Profound Learning Disabilities). He also recently had a gym and pool completed where the residents can enjoy a workout or relaxing in the spacious hot tub.
An example of one of Shiraz Boghani’s assisted living facilities is Clemsfold House. This home, about three miles outside of Horsham, has enough space for 30 residents. This home is occupied by elderly people, including couples. They also specialize in helping people with dementia at this home and have a team of specialists who work with them.
Shiraz Boghani is also a philanthropist who has been a supporter of the Aga Khan Development Foundation for the past few decades. This is an organization which supports people of Muslim faith and educates people about this religion. They are active in the poorest parts of Asia, Africa, and the Middle East. Their goal is to come up with answers for illiteracy, poverty, and hunger.
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There are two kinds of life insurance. Term life insurance is the least costly of the two. It is temporary coverage, but the temporary timeline can last up to 30 years. Term life can also increase in price, as in 5-year renewable term. Every five years the price goes up because the insured is 5 years older.
Permanent life insurance is the same price for the rest of the insured’s life. In fact that is one reason that it is also called “whole life” as it covers an individual for the whole of his or her life. The price and death benefit stays the same for permanent life insurance. It has a cash value that builds within the policy. The cash value is a reserve that offsets the increasing mortality costs of the policy, so the price remains the same for the permanent life insurance policy.
The cash value is available for the policy owner to borrow as long as the policy is in force. If the insured should die while the loan is outstanding, then the death benefit is the face amount of the policy less the amount of the loan.
Term insurance is ideal for covering young families because a lot of coverage can be purchased on the breadwinner(s) to protect against a premature death of them. Permanent insurance provides retirement cash as well as lasting well beyond the time when the family is young. It is good to have to cover final expenses.
Life insurance planning will use both term and permanent type policies in combination to combine the best of both worlds. Lots of coverage is available when the needs are great and the permanent policy lasts well into the middle and later years. Freedom life insurance agrees with this concept.
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