Insurers Enhance Protection Insurance

A lot of specialist  financial advisors would agreethat Protection Insurance is necessary to most families, whether it may be a precaution in the event of cover for an accident, loss of employment (especially in the present economic climate), prolonged illness or premature death.

Life Insurance is the basis of all financial assurance for cover for a mortgage or to ensure a lump sum that is not taxable, in the eventuality of death.  Regrettably, a proportion of other Financial Protection Insurance policies, do not have the samedo not have similar} reputable qualities and have been branded as being miss-sold.  Also, based on what we are now aware, critical illness cover has suffered owing to startling exclusions from policies making it possible for insurers to reject many claims, as genuine as they may be.

In spite of this, a little faith was restored when Legal and General gave details on the conclusion of claims on Critical Illness Insurance policies on their half yearly accounts. 

Critical Illness claims were being turned down because people did not make known their complete medical record.  As a result Standard Life  reports that in the last 7 months the amount of turned down claims has dropped considerably from 6.7 per cent in the last year, to 1.5%.

Why?  We believe, not simply Norwich Union but all of the insurers, because of negative public relations, have been placed in a position whereby they must reduce the amount of claims that are rejected. Does this confirm how forceful the press can be?  Debateable perhaps – you may think we are dubious but we think there are other factors that encouraged the insurance companies to make alterations.  More recently, as a result of |bad press|dire media}, sales of Critical Illness Cover  have declined which in turn has obviously influenced the insurance company’s profit. This is most likely to have been the vehicle to further change!

Norwich Union, Scottish Provident, Axa and Friends Provident have initiated some major alterations purposely designed to diminish their rejection rates. To begin with, they outline clearly that all health disclosure, however insignificant a visit to a Doctor may have been, must be revealed.  Scottish Provident, together with others will get a Doctor or Nurse to telephone every candidate to discuss all the details of their medical history.  If the insurance policy then goes on risk, some policyholders are being informed that it is essential that they provide complete health disclosure and they are permitted to add or correct any information on their application.

The insurer may then re-assess the risk and if it is believed to be increased the monthly payments will likely be increased – which seems more rational and eventually more satisfactory than paying the original premium then having a claim rejected as a result of non-disclosure of medical records.

These measures should have been put into operation by the insurers years ago as the public’s perception of Protection Insurance has eroded by their somewhat ‘Off the ball’ approach. Without doubt, there is an obvious and essential need for protection insurance so we can hope that it is able to re-build trust and then the recognition it rightfully deserves.  

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Hints and Tips on Big Cat Photography Part One

Introduction

The aim of this guide is to give you some top tips for getting great pictures. Big cats have a personality all of their own and each breed is quite different. This will affect how you photograph each species of cat. For instance some are quick and move rapidly, others will sit and take a more leisurely approach. This article is set out into sections so you can dip into the bits most relevant to you.

So what do we mean by Big Cats, lets start with the rarest cats in the world, The Russian Amur Leopard, around 150 in captivity and only 30 in the wild, then we have the Snow Leopard, now only found in the inaccessible hills in Pakistan. On the Tiger front you have the Sumatran Tiger, then the Amur Tiger as it now know but better known as the Siberian Tiger. Then there are Lynx, Lion, Cheetah, Serval and Puma also known as the Mountain Lion or Cougar – they are all the same cat.

First of all don’t be fooled into thinking that you need a top of the range film or digital SLR camera and lenses to get great pictures. You don’t. Both compact and the intermediate bridge cameras are more than adequate of capturing great images. Many photographers that have come on Big Cat Photo Experience Day have started with a compact camera and found that they can get amazing images. They have come back and some have even found that they got so much more from photography than they ever thought they could. Others just come and enjoy the close contact with such magical animals.

This guide is based upon many years as a professional photographer capturing some of the rarest cats on the planet, all kept within a private collection for breeding purposes with the aim that they are returned to the wild, so long as the human race hasn’t ruined the original habitat. For the Sumatran Tiger, that I fear is a rare hope, but with new cubs born late 2008 there is a glimmer of hope.

Compacts and Bridge Cameras

The real benefit of these cameras is their size. Being small and compact they fit through the wire of the enclosure so that’s one less thing to worry about. All you do need to do is watch what the cats are doing so they don’t take your camera off you! And trust me if they get hold of it they will win – no negotiation!

Captive animals are quite nosey so you will find they get too close. Key settings would be either close up / macro or a sports mode if you are using pre-set shooting modes. More advanced cameras have Aperture Priority, Shutter Priority and Full Manual. If you are more comfortable with these settings then please read the sections below Film and Digital SLRs as the same rules apply.

One main limitation of these cameras is what is called “shutter lag”. This is the time the camera takes to fire the shutter and capture the image after you press the shutter button. On static subjects this won’t be so much of a problem, but on fast moving or erratic moving subjects this is where this will be noticed. You aim at the head and the camera takes a picture of the tail!

ISO – Film Speed or Sensor Sensitivity

The speed of your film or sensor sensitivity as it’s really called on a DSLR will affect the camera settings in a given light. A typical sunny day will let you shoot on ISO 100 or 200, being the base setting of your camera depending upon the brand of camera or film you’re using. With a DSLR you have the ability to change your ISO or sensor sensitivity as the light changes, so you can go up and down from 100 to 200 or 400 (or more) as the light changes. With film you are fixed per roll. OK you can “bump it” up or down but only if your film processor knows what they are doing, automated developing just won’t hack it and will leave you with a ruined roll of film. As a commercial photographer I shoot digital and enjoy it – when all the technology works of course!

Using a second body is an option if you can afford it as it gives you another lens to shoot from or another roll of film different from the first body. Lenses or course are interchangeable.

With speed or sensitivity comes a compromise – grain. The higher the ISO the more noise or grain there will be. But, and a big but, under exposure will create more noise than high ISO – so make sure the shot is exposed correctly. Being a commercial photographer amongst other things, I shoot using Nikon cameras and with these I have to shoot slightly over exposed to get the shot right – Nikon metering seems to be slightly on the safe side in my experience.

White Balance

This is not an easy setting to explain but it comes down to the colour of light. What I hear you say, but all light looks the same to me, yes it will, the human eye and brain is very clever, it shows you a white subject as white in any light so you can’t actually see what your camera sees.

Until that is you take a picture indoors, ever had a picture on a digital or film camera come out yellow ? Light is measured as a temperature similar to that of heating a metal rod in a flame. The colour moves from orange to white and finally blue. Now this isn’t measured in degrees C or F but in the wider scientific range called Kelvin. Digital cameras use this Kelvin number to determine the colour of light.

For example Orange is at the warmer end or 3400K the same as a household bulb with a tungsten filament, also known as incandescent- day light and studio flash is around 5200K to 5600K and fluorescent light is a real nightmare depending upon the type of tube and colour temperatures vary from 2700K up to 7200K – so pretty much the whole spectrum.
Tip – on a dull grey day use the pre set white balance of Flash – it gives a slightly warmer shot.

Tip – avoid Auto white balance for two reasons. While it might be fairly accurate light is not a fixed entity it changes all the time and so too will your cameras setting for White Balance when on Auto. Secondly if you then go on and edit your images you have the potential for having to manually correct each image if you’re not happy with the setting. And on a Big Cat Day guests regularly shoot 400 to 600 images – now that’s a lot of time chained to your computer.

Tip – pick a pre-set value, even if its wrong, some cameras allow fine tuning warmer or cooler. If then you want to edit the images at least you can batch process all the images in one go as the White Balance value will be the same – so too will be the adjustment. Just shoot RAW, then you can correct it, Jpeg gives you less control.

Tip – try taking a custom white balance measurement if your camera has this setting .

Tip – remember a Snow leopard is Grey and White – it should not be cream.

Film and Digital SLRs

Camera bodies vary in design and my view is that megapixels aren’t the be all and end all of quality images. As an example a 6 mega pixel camera will get a more than an acceptable image, in fact many press photographers still use a high quality, robust 4 mega pixel digital camera body. Why, because other functions are more important .

Whereas the norm for many companies is now, at the time of writing this Big Cats guide, is to offer 10 – 12 mega pixel camera bodies, other key features come into play.

Autofocus – General

AF-S , AF-C or Manual, Single point, Multipoint Dynamic or Closest Subject? AF-S will give you a function that shoots only when the subject is in focus. AF-C gives you a continuous mode where by the AF systems tracks the subject adjusting focus all the time you have the shutter release pressed part way down and the focus point on the moving subject. This is good for fast / moving subjects, the shutter will however fire even if the shot is not in focus. 3D tracking found on Nikon cameras is good for some subjects as it tries to work out where the subject will be if it leaves the focus area or frame – try it and see how you get on, you may find you come back to a dynamic – movable – focus point chosen by the photographer – you!

Manual focus gives you total control but chasing a moving subject is difficult and takes time to practice.

Metering

Spot, centre weighted or matrix or average? The main trouble with Matrix is that it takes an average setting across the whole frame so you can end up with an under exposed image especially if you catch some sky in the frame. This being brighter, normally, makes the camera close down the settings, leading to an under exposed subject.

For better results with cats I find centre weighted works best as the camera metres from the centre of the frame and this is normally where the subject matter will be.

Spot metering would be best used for a close head shot where the cat is stationary being sat or lying down, as you’d find with the Lions in the afternoon after they are fed.

Part two continues with more settings and equipment discussions as well as common mistakes.

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