The GB News presenter recently revealed that the surgery he had undergone on his back “went wrong” as he shared a concerning health update. 

But while Eamonn’s health has seen him suffer setbacks, he was also left blindsided when his soon-to-be ex-wife Ruth Langsford appeared to spearhead announcing their divorce.

Eamonn, 64, and Ruth, also 64, had been married for 14 years and had been an item for 27. It’s claimed that Ruth was left saddened 

when it emerged he had been being consoled by a mystery female pal as their marriage fell apart. 

But Eamonn’s co-star and friend, Isabel Webster, 41, has spoken about the support he is receiving from pals.

Speaking to the Mirror at the TRIC Awards in London, Isabel said: “He’s gone through an awful lot and we are just all 100% behind him. 

Today will be really nice for him and for all of us.” When asked if she is taking care of the broadcaster, she commented: “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 appearance at the glam awards show, she told us: “He’s fine, he’s here, he’s excited for today. The man never stops, he blows me away. It’s really impressive.” But Isabel, who appears alongside Eamonn on GB News revealed an update on reports that he was offered a large sum of cash to appear on Celebrity Big Brother.

“Eamonn was in the papers that he was asked to Celeb Big Brother,” she said, adding: “That was news to him!” It appears that his big day out paid off as Eamonn and Isabel walked away with a gong from the awards show. Addressing the crowd, he said: “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.”

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

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Source: Los Angeles 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

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.