This is occasionally seen at places like football stadiums when a forward surge has resulted in the people at the front who were hemmed in by fencing being crushed to death. This tragic occurrence has been addressed in the UK to stop this from happening and there have been no new cases in the press since.
However, the same type of incidents are still happening and many occur on religious pilgrimages in foreign countries when hundreds of thousands of people mass together for annual prayers.
Only recently hundreds of people, including women and children, were reportedly killed when a 1500 foot long bridge collapsed over a canyon. The bridge was carrying around 400 pilgrims on their way to a religious ceremony in Nepal when it gave way, tipping all the travellers into the gorge, with the river below sweeping them away to their deaths.
Record numbers of lives have been lost in the annual pilgrimage to Mecca in Saudi Arabia. The peak of this annual tragedy was in 1990 when 1400 people died in the mass panic and crushing. Although in smaller numbers, deaths have occurred every year in the same manner.
Authorities in Saudi Arabia bought in Western engineers to help with the problem and since new measures have been implemented, they are very happy to report that in the pilgrimage immediately following, there was no loss of life.
Muslims are required to make a pilgrimage to Mecca once in their lives to show their obedience to Muhammed. Hence, every year, during the last month of the Islamic lunar calendar, a five day hajj pilgrimage to the Grand Mosque for prayers brings 3 million visitors from hundreds of countries into a very small area.
During the next five days, they will travel to the Grand Mosque for prayers, they will visit a monument in the hope of touching the place where Muhammed is said to have preached and they will visit Muzdalifah, a valley outside Mina, several kilometres from Mecca for the ritual stoning of three pillars. The stoning is to represent the stoning of the temptations of the devil and has a set pattern to it.
Studies have shown that, given the average size of a human being, 6 people is the maximum density possible in one square meter. Due to the crowds at Mecca at this time of year, 10 people are trying to cram into the same space putting pressure equal to one ton on each and every person.
Studies reveal that in the last day of the pilgrimage after midday prayers, Muslims make their way to the three pillars for the last of the stoning rituals. After this event they begin to make their way home. They are all tired, emotions are running high from their once in a lifetime trip and the sun is at its fiercest.
This is the optimum time for a disaster to occur and exactly why engineers have been brought in to fix the problem. Their difficulties were compounded by the fact that the pilgrims collectively spoke dozens of different languages and many of them were illiterate making any written instructions virtually impossible.
A new bridge to ease the stoning ritual and a one way traffic flow system was put in place with instructional video footage shown to the pilgrims at their camp. This was all it took to alleviate the problem and no casualties were reported after these measures were in place.
Shariah Law of the Muslims does not permit life insurance by Western standards and neither do they take out Western style mortgages. They also do not see dying during a pilgrimage as much of a problem as it fast tracks you into heaven.
However, they do have their own banking system, developed in an entirely different way to what you and I know and they also have Takaful insurance, which is similar to life insurance in that it will pay for any outstanding finances owed on the event of death.
So, hopefully the rest of the world will take notice of the changes that Saudi Arabia have made to the way pilgrimages are managed to allow for religious rituals to take place without the tragic loss of lives.
Life Insurance Co Of America
There are many things that must be considered before purchasing any life insurance policy. There are 3 main types of life insurancepolicies to look at Term, Endowment and Whole Life. Let's take a look at these three.
Whole life insurance is designed to cover you for your wholelife. When you pay your monthly premiums a portion goes to payfor your life insurance while the rest goes into a savingsaccount. This savings account builds what is known as "cash value"that you can borrow against, if needed, after it builds, but itmust be repaid.
These Whole Life Insurance policies "mature" whenthe insured individual turns 100 years old. At this point, theinsurance company will cash out the insured person for "facevalue" and cancel the policy. Face value is the amount that thepolicy would have paid in the event of the death of the insuredperson.
Endowment insurance policies are designed to be paid for aspecified amount of time until the policy "matures". Some reasonsfor Endowment Insurance could be college tuition, retirement,ect.. Endowment policies are normally more expensive as they'redesigned to be paid in full after a certain period of time ratherthan being paid over the period of the insured person's life.
Term life insurance is the least expensive type of policy thatyou can buy. These policies can be purchased for a specific timeperiod or "term" just as the Endowment policies, however there isno cash value accrued with term insurance policies.
Term policies are perfect for those that need additional securityover a specific time frame. An example would be the breadwinnerof the family needing additional insurance coverage during his or her working years when they would have more obligations to meet.
Before buying any life insurance you need to sit down, with yoursignifigant other, if you have one, and go through every bill that you have.Seperate these bills by figuring out what your regular monthly expenses arefor your household and how much you have going out in payments that willeventually be satisfied.
Examples of payments that will eventually be satisfied are car, boatfurniture, home, ect. These should be figured into the amount of coverageneeded in order to pay these off in the event of the death of the breadwinner.
The other pile will include what your living expenses will be like withoutthose payments. This pile should include homeowner's insurance, life insurancefor the surviving family members, food, utilities, clothing, ect.
You'll also need to take into account the loss of income from the breadwinner.This can be tricky, especially if you have children. You'll need to take intoaccount their ages, how many years they have remaining in the home, medicalinsurance, dental insurance, school expenses, ect.
Finally, you'll need to allow for enough money to survive in the event that you're unable to work or simply need to take a period of "healing" time.The passing of a loved one is never an easy event, but it's made much worse whenyou're not allowed the time to gather yourself before being thrown back into theroutine of life.
The things mentioned above are designed to give you some ideas as to what youneed to be taking a look at. Each family and individual has different needsand expenses though and you'll need to take your time when doing your financialinventory.
For more information about the different types of life insurancethen you should contact a licensed agent and set up anappointment at your earliest convenience.
Both Catherine Harvey & Guitarjoe are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
Catherine Harvey has sinced written about articles on various topics from Culture and Society, Home and Wedding Gowns. Insurance expert Catherine Harvey looks at the Muslim pilgrimages and their view on to cover these events. To find out more please visit. Catherine Harvey's top article generates over 1500000 views. to your Favourites.
Guitarjoe has sinced written about articles on various topics from Health Insurance, Affiliate Programs and Dental Practice. Joe Stewart is a Webmaster and former Life And Health InsuranceAgent. He's made understanding life insurance simple forconsumers. You can read detailed explanations about lifeinsurance at his website TheLifeInsuranceGuys.com or by c. Guitarjoe's top article generates over 18100 views. to your Favourites.
Building A Business Network Always be prepared for these slow times by continually networking for new customers