The royal conflict ERUPTS as Prince Harry and Meghan plan to use their children, Archie and Lilibet, to reclaim their rights from William and Kate! Starting by bringing Archie and Lilibet to the Invictus Games to reunite with King Charles! – celebrity.xinloc.com

Prince Harry and Meghan Markle are planning to take their children Prince Archie.

And Princess Lilibet to a “family-focused” Invictus Games Vancouver Whistler 2025 opening ceremony in February next year, the Sunday Express can reveal.

According to a source, the Duke and Duchess of Sussex are making arrangements for their children to attend the opening ceremony at BC Place Vancouver.

Which will provide guests with a family-friendly start time of 1pm on February 8.

“Harry and Meghan are planning to take Archie and Lilibet to help promote a new ‘family-friendly’ Invictus Games,” the source said.

“The Sussexes have been very involved with the organisational elements of the Invictus Games Vancouver Whistler events.

And it was very much their idea to make this a family-friendly games so that those taking part can bring their children along.”

If Prince Archie, five, and Princess Lilibet, three, join the Duke and Duchess of Sussex in Canada, it will be one of only a few public outings the young prince and princess have undertaken since their parents moved to the United States in 2020.

According to the source, Invictus Games organisers have scheduled a week of “family-friendly” summer and winter sporting events to encourage sports fans and wounded veterans to get the younger generation involved.

Prince Archie is also earmarked to take an active role in the Invictus Games Foundation when he reaches the age of maturity.

“As both the founder and patron of the Invictus Games and Invictus Games Foundation, Harry is very keen to lead by example and bring his family along,” the source said.

“A patronage will one day be passed to Archie so the foundation can be kept within the family. Harry is adamant that the Invictus Games will remain a Sussex initiative.”

The closing ceremony will take place at Rogers Arena at 7pm on Sunday, February 16, 2025, and will be the only “adult-only” part of the games where officials and participants can let their hair down at the end of nine days of sporting competition.

Prince Harry, 39, is heavily involved with the Invictus Games and co-founded the event in 2014 while he was working with the Royal Foundation which he then shared with Prince William and Princess Kate, both 42.

Tensions between the couples have been strained following a series of public revelations from the Sussexes in their interview with Oprah Winfrey, their Netflix docuseries as well as Harry’s book ‘Spare’.

The Duke made a dash back to the UK earlier this year to see his father following the King’s diagnosis with cancer but was snubbed when he arrived in London for the Invictus Games 10th-anniversary service at St. Paul’s Cathedral in May.

The Sussexes have been approached for comment.

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Source: Tampa Bay Times

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

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.
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.
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?

Cost Control: Deductibles help keep insurance premiums more affordable. Higher deductibles typically result in lower premiums because the policyholder assumes more initial risk.
Reduced Claims Frequency: Deductibles discourage policyholders from filing small or frivolous claims, reducing the number of claims an insurer must process and pay out.
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:

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.
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.
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.