Friends of Eamonn Holmes are rallying with support following a worrying health development 

and an unexpected announcement regarding his personal life.

The 64-year-old GB News presenter has had a troubling time health-wise with recent back surgery taking an nasty turn. 

On top of that, he was taken aback by Ruth Langsford, soon to be his ex-wife, publicly declaring their separation.

Eamonn and Ruth have been together for 27 years and married for 14 of them. 

Reports suggest Ruth wasn’t happy after finding out Eamonn was finding consolation in an unidentified female friend 

amid the disintegration of their marriage.

Isabel Webster, 41 and a co-worker and companion of Eamonn’s, told the Mirror at London’s TRIC Awards: “He’s gone through an awful lot and we are just all 100 per cent behind him. Today will be really nice for him and for all of us.”

When questioned if she’s looking after the broadcaster, she said: “As his friend, but we’re all very professional, all businesslike as well. But yes, I’m looking out for him, as are all of the team.

“It’s hard for anyone going through anything to be up at 3 in the morning.”

Reflecting on his recent outing at the star-studded awards ceremony, she added: “He’s fine, he’s here, he’s excited for today. The man never stops, he blows me away. It’s really impressive,” reports the Mirror.

Isabel, who works with Eamonn on GB News, also shed light on the rumours that he was offered a hefty sum to join Celebrity Big Brother.

“Eamonn was in the papers that he was asked to Celeb Big Brother,” she said. “That was news to him!”

It seems Eamonn’s attendance at the event was fruitful as he and Isabel left with an award in hand. In his speech to the audience, he expressed gratitude, saying: “Thank you very much for this award. We were up against world-class programmes and that makes it a little bit more special.

“Sometimes we all think about imposter syndrome. I went for an operation a year and a half ago and it went wrong. I got two things in my back that I didn’t want.”

In a statement last month, representatives for Eamonn and his estranged wife announced: “Ruth Langsford and Eamonn Holmes have confirmed their marriage is over and they are in the process of divorcing.”

Follow us to see more useful information, as well as to give us more motivation to update more useful information for you.

Source: CNN

Understanding Deductibles in Insurance

What is a Deductible?

A deductible is the amount of money a policyholder must pay out-of-pocket before an insurance company begins to cover the remaining costs. Deductibles are a fundamental component of most insurance policies, including health, auto, home, and business insurance.

How Do Deductibles Work?

When you file a claim, you are responsible for paying the deductible amount. Only after this amount is paid will the insurance company pay for the covered expenses exceeding the deductible. For example, if you have a $1,000 deductible on your car insurance and incur $3,000 in damages from an accident, you would pay the first $1,000, and the insurance company would cover the remaining $2,000.

Types of Deductibles

1. Fixed Dollar Deductible: This is a specific amount you must pay each time you file a claim. It’s common in health and auto insurance policies.
2. Percentage Deductible: In some cases, particularly with homeowners insurance, the deductible might be a percentage of the insured value. For instance, if your home is insured for $200,000 and you have a 2% deductible, your out-of-pocket cost would be $4,000 before insurance covers the rest.
3. Per-Claim vs. Annual Deductible:
   • Per-Claim Deductible: You pay the deductible every time you file a claim.
   • Annual Deductible: Common in health insurance, this deductible resets each year. You pay out-of-pocket until your total expenses reach the deductible amount for the year.

Why Do Deductibles Exist?

1. Cost Control: Deductibles help keep insurance premiums more affordable. Higher deductibles typically result in lower premiums because the policyholder assumes more initial risk.
2. Reduced Claims Frequency: Deductibles discourage policyholders from filing small or frivolous claims, reducing the number of claims an insurer must process and pay out.
3. Shared Responsibility: Deductibles ensure that policyholders share in the financial responsibility of their care or damages, promoting cautious behavior and maintenance of insured assets.

Choosing the Right Deductible

When selecting an insurance policy, choosing the right deductible is crucial. Here are some considerations:

1. Financial Ability: Assess your ability to pay the deductible in case of a claim. A higher deductible can lower your premium but may be challenging to pay if an incident occurs.
2. Risk Tolerance: Determine how much risk you are comfortable assuming. If you prefer lower out-of-pocket costs during an emergency, a lower deductible might be preferable, albeit with a higher premium.
3. Frequency of Claims: Consider how often you might need to file a claim. If you anticipate frequent claims, a lower deductible might be more cost-effective over time.

Impact on Premiums

The relationship between deductibles and premiums is inverse. Generally, the higher the deductible, the lower the premium, and vice versa. This trade-off allows policyholders to customize their insurance based on their financial situation and risk appetite.

Conclusion

Deductibles are a key feature of insurance policies that influence both the cost of premiums and the financial burden on policyholders when filing claims. Understanding how deductibles work and carefully selecting an appropriate deductible can help balance cost savings with financial protection, ensuring optimal insurance coverage tailored to individual needs and circumstances.