<%@LANGUAGE="VBSCRIPT"%>
<%
option explicit
%>
<%
dim rsArticles, sSQL, gStr
set rsArticles = server.createobject("adodb.recordset")
rsArticles.cursorlocation = 3
sSQL = sSQL & "SELECT TOP 10 Articles.Article_ID, Articles.Article_Title, Articles.Article_Excerpt, "
sSQL = sSQL & "Articles.Article_Content, Articles.Article_Posted, Articles.Article_Comments, "
sSQL = sSQL & "Articles.Article_Images, Categories.Category_ID, Categories.Category_Title, Users.User_ID, "
sSQL = sSQL & "Users.User_Name FROM FB_Users AS Users INNER JOIN (FB_Categories AS Categories "
sSQL = sSQL & "INNER JOIN FB_Articles AS Articles ON Categories.Category_ID = Articles.Article_Category_ID) "
sSQL = sSQL & "ON Users.User_ID = Articles.Article_User_ID WHERE Article_Status = 1 AND Article_Level = 0 "
sSQL = sSQL & "ORDER BY Article_Posted DESC;"
rsArticles.open sSQL, adoConn
Do While Not rsArticles.EOF
gStr = gStr & "
" & vbCrLf
rsArticles.MoveNext
Loop
%>
<%=gStr%>
Up to the Second World War the Government provided little in the way of state benefits. That changed after the Second World War with the introduction of the ‘Welfare State’. Under the ‘Welfare State’ by way of National Insurance/Social Security system the Government provides the public with benefits from the State. Whilst the words ‘National Insurance’ have been used, these benefits are not provided in the form of an insurance policy, in fact contributions and benefits are not directly related and there is no lasting contract. This system is much closer to being a form of taxation to cover the provision of welfare benefits in times of need.
The ‘Welfare State’ does provide benefits in times of need in the following areas,
- Retirement pension,
- Statutory sick pay,
- Incapacity benefit,
- Bereavement allowance,
- Bereavement payment,
- Widowed parents allowance.
Many of these benefits are low and do not conflict with the benefits offered by life insurance companies and the need for individuals to make more realistic provision in the event of their death. The Government has therefore encouraged individuals to make their own provision and so reduce the burden on the state.
In the 1980’s and 1990’s there was what appeared to be a Government move towards encouraging individuals to move away from ‘state dependency’ and move towards more ‘self sufficiency’ in the provision for hard times. If this trend continues then there may be opportunities for life insurance companies to enter into some areas previously dominated by the welfare state.
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Types of Life Insurance