There are four types of persons in the life insurance transaction from a legal sense, namely the insurer, the insured, the policy holder and the beneficiary. In general, the insurer refers to an insurance company, and the insured and the policy holder often refer to the same person. For example, Mr. Bush bought a life insurance from an insurance company, so Mr. Bush was the insured and the policy holder; however, if his wife Emily also bought a life insurance after attaining his agreement, Emily was the policy holder and Mr. Bush was the insured. The insured and the policy holder constitute the parties of the contract of life insurance, and the insured has a close tie with the contract of life insurance. In addition, another important party refers to the beneficiary. Beneficiary is the person who attains the insurance premiums because of the accidental death of the insured. For example, in global life insurance company such a life insurance is available for potential customers. However, the beneficiary is not a party of the contract of life insurance, and has no right to decide if he can receive benefits from the contract of life insurance. Usually, whether the beneficiary can be benefited from the contract of life insurance depends on the selection of the insured; if the insurer wants to make a change to or re-designate a beneficiary, he is necessary to obtain the agreement from the insured, and also the beneficiary has to accept the change without any disputes.

Sunshine Charity Clinic bases on the Health Science Center of Peking University. It is a free clinic opened by students. One of the founder, Jiang Xiaoxiao of Health Science Center 2006-based student said that the charity clinic references the basic model of "free clinic operated by the students" in U.S. it is operated by students majoring in medicine and together with the student volunteers. It is for those non-insured people whose wage is low to provide the diagnosis for free.
According to Jiang Xiaoxiao's introduction, patients need to meet the conditions in order to receive the service. It includes: don't have any other health insurance in Beijing, incomes less than 1150 Yuan, and qualified according the investigation team.
The clinic provides each patient a treatment card. People with this card can get diagnosis at any time in the hospital of Health Science Center of Peking University. The clinic will pay the cost of diagnosis on the last Saturday each month from 11:30 am to 5:00 pm. Patients' quality will be checked at the same time.
It began its trial operation on October 23, and arranged 6 staffs from the dining hall of school to accept a physical examination. The cost was paid by clinic. Students established records for those workers, so they can consult the students on the disease at any time.

From a view in physiological, cells of human brain can keep excited for 4-5 hours, then it would turn suppressed. Especially after lunch, the blood supply to the digestive tract was significantly increased, while decreased to the brain, causing blood flow to the brain with oxygen and nutrients reduced, so then the body's biological clock rhythms require a sleep. At this point, the body needs a short time to adjust to eliminate fatigue and resume physical strength, stability, and balance the nervous system function.
"Nap" is recommend as a "healthy lifestyle" by professionals, it can not only significantly boost the immune system, but also can quickly recover from fatigue, mood and energy so that is good enough.
Firstly, as some professional said, to help digestion after lunch, the body will be changed automatically by the parasympathetic dominant, and then sleep for a while, the body can more effectively stimulate the cells and enhance immune cell's activity.
Secondly, Spanish medical research shows that daily nap for 30 minutes, more balanced hormone secretion will be received, and cardiovascular disease incidence can be reduced by 30%.
Thirdly, as a report written by Harvard University psychologist showed, afternoon nap can improve mood and reduce body tension, relieve stress. It has the same effect as sleeping all night for 8 hours.

Health Alliance Medical Plans is the follower of CarleCare. It was founded by Carle Clinic Association which is the largest group in the world. The plan has grown into one of the largest health institutions in Illinois. There are many milestones of this plan with great significances as follows.
In 1980, CarleCare HMO hired the first staff and started the project.
In 1985, the insurance department admitted that CarleCare was a HMO with quite good eligibility.
In 1989, CarleCare became the main insurance company in the charge of Carle Clinic. It grown quickly and finally changed the name to Health Alliance Medical Plans.
In 1990, Health Alliance got the first member from Preferred Provider Organization. It became the very important stage of Health Alliance in the future.
In 1996, it cooperated with McFarland Clinic and later formed the Health Alliance Midwest. It offered coverage to the members in central area.
Today, the plan covers more than 335,000 people in Illinois and Iowa. The goal of this plan is to provide perfect healthcare insurance and make advices offered by medical professionals.

1. Wash their face with cold water
Men too lazy to use sunscreen or lotion can use cold water to wash their face. Cold water contains litter air. The nature is very close to the water of human cells and has a lot of affinity. So the cold water can penetrate into the skin more easily. In addition, cold water can make the subcutaneous fat into a statue of semi-liquid so that skin becomes moist.
2. Japanese sake method
What can alcohol do besides drinking? Men can join Japanese sake into a little warm water and use this to wash their face. This is originated from the sake of Japan. It has long been used in skin care. In ancient times, Japanese geisha used sake for makeup before their performance to reduce the damage to the skin from make-up. This is because the Japanese sake containing 18 amino acids and proteases and other nutrients. It has the effect of activating the skin's moisturizing.