H12-111_V2.5-ENU test plan - HCIA-IoT V2.5 Updated: 2023

Sisvel International S.A. (“Sisvel”) today announced that Huawei patents will now be available through its Cellular IoT technology patent pool after the company signed up to the programme as a licensor.

The agreement means that more world class IP has been added to a pool which already includes patents from around 25 renowned innovators.

At the same time, Sisvel has revealed new royalty rates for the Cellular IoT patent pool, including for devices with a lower selling price. The firm has also expanded its offering to new product verticals. Please see link for more details.

The Sisvel Cellular IoT patent pool offers device manufacturers licences - on fair, reasonable, and non-discriminatory terms and conditions - to participants’ patent portfolios essential to the LTE-M and NB-IoT standards.

“We are excited to welcome Huawei, a major contributor to the development of cellular IoT, as a member,” says Sisvel’s Cellular IoT programme manager, Sven Torringer. “LTE-M and NB-IoT technologies are great solutions for anyone who wishes to connect products and services in the IoT arena, and Huawei’s presence further strengthens the pool’s licence offering as a one-stop shop for this market.”

“I am proud to welcome Huawei to this important pool, which is poised to bring unparalleled efficiencies to both implementers and innovators in IoT markets,” says Sisvel president Mattia Fogliacco. “This is more proof of the work we are doing with cutting-edge companies to power innovation and a further sign of Huawei’s confidence in us, after they became a founding member of our Wi-Fi 6 pool.”

Further information about the terms and conditions of this licence offer is available on Sisvel’s website https://www.sisvel.com/licensing-programmes/iot/cellular-iot/.

For more details, contact Sisvel at: iot@sisvel.com.

About Huawei

Founded in 1987, Huawei is a leading global provider of information and communications technology (ICT) infrastructure and smart devices. We have 207,000 employees and we operate in more than 170 countries and regions, serving more than three billion people around the world.

Our vision and mission is to bring digital to every person, home and organization for a fully connected, intelligent world. To this end, we will work towards ubiquitous connectivity and inclusive network access, laying the foundation for an intelligent world; provide diversified computing power where you need it, when you need it, to bring cloud and intelligence to all four corners of the earth; build digital platforms to help all industries and organizations become more agile, efficient, and dynamic; and redefine user experience with AI, making it smarter and more personalized for people in all aspects of their life, whether they're at home, on the go, in the office, having fun, or working out.

For more information, please visit Huawei online at www.huawei.com or follow us on:

http://www.linkedin.com/company/Huawei
http://www.twitter.com/Huawei
http://www.facebook.com/Huawei
http://www.youtube.com/Huawei

About Sisvel

Sisvel is driven by a belief in the importance of collaboration, ingenuity and efficiency to bridge the needs of patent owners and those who wish to access their technologies. In a complex and constantly evolving marketplace, our guiding principle is to create a level playing field with the development and implementation of flexible, accessible, commercialisation solutions.

We Power Innovation

www.sisvel.com
https://www.linkedin.com/company/sisvel-group
https://twitter.com/sisvelgroup

View source version on businesswire.com: https://www.businesswire.com/news/home/20230927917883/en/

Our experts answer readers' insurance questions and write unbiased product reviews (here's how we assess insurance products). In some cases, we receive a commission from our partners; however, our opinions are our own.

Medical exams are among the top reasons people hesitate to buy life insurance. You imagine sitting in a doctor's waiting room, doing blood draws, standing on a scale, and many other things that make us uncomfortable. But it's easy to understand why life insurance medical exams remain an industry stap — an insurer must gauge its risk before it grants you a policy. Ironically, medical exams lower insurance premiums for the average life insurance customer.

Of course, medical exams may sound overwhelming, especially if you've abandoned a life insurance application or been denied. This is where no medical test life insurance comes in. The stereotypical no medical test policy includes no medical data of any kind. Many buyers also expect coverage in days, or at least that's the idea. Despite what you might hear, it isn't quite that simple.

Who should buy a no medical test life insurance policy?

Many shoppers are misinformed about the target audience for no medical test life insurance. "Who should buy a no medical test life insurance" should be rephrased as "who will qualify for no medical test life insurance coverage?" These policies eliminate the inconvenience of a medical test for healthy buyers who don't use tobacco in most cases. However, it comes with higher premiums, and underwriting can be extended as insurers gather medical data from other sources.

Some small funeral cost policies are more flexible, especially if you invest in workplace life insurance. However, more sizable policies not connected to your workplace can only accept limited risk. Seniors, buyers with preexisting health conditions, tobacco users, and other high-risk buyers may not qualify.

How do insurance companies know who presents a more considerable risk? First, no medical test doesn't mean medical records-free. Applications still include basic medical questions, and companies can rescind life insurance policies if you get caught lying on your application. More importantly, life insurance companies may still order a copy of your medical records. So, companies would go off your last blood tests or appointment notes if you have a history of high cholesterol, heart disease, diabetes, etc.

College students and young working adults with no significant medical issues may be ideal candidates for a no medical test life insurance policy. Another thing to note is companies will only issue small life insurance policies without an exam, and premiums are higher. So if you're looking for a $1 million policy or retirement planning options, you should make time for a short medical exam.

What if I don't qualify for a no medical test life insurance policy?

Some companies only offer small life insurance policies with no medical test required. However, most insurers offer a range of permanent and term life insurance policies. If you don't qualify for a no medical test policy, licensed insurance agents can help you apply for a medical test life insurance policy.

While many companies are going online, we recommend working with a licensed insurance agent, especially for no medical test policies. Any time your application is denied, it creates an alert for other life insurance companies you might try to buy from, reducing your chance of getting a policy elsewhere. An agent can help you avoid this by stopping short of denial if you need to switch to a medical test plan.

Types of no medical test life insurance

Life insurance companies sell four life insurance policies without a medical exam. Coverage, pricing, and the application process are a few of the things that vary widely. So what are your no medical test life insurance options?

Simplified issue life insurance

Simplified issue life insurance looks to streamline the approval process. No blood tests or medical exams are required, but applicants answer basic health questions. If the answers given meet underwriting guidelines (the company uses electronic medical records to verify), you may qualify for a policy. Generally, these policies cover non-smokers with minimal known risk factors. However, premiums are higher, and benefits tend to be lower to account for the elevated risk.

Guaranteed issue life insurance

Guaranteed issue is also commonly referred to as guaranteed acceptance. These whole life insurance plans require no medical test or health surveys. Age limits are imposed, with most policies issued to seniors. But if you're within the stated age range, you are guaranteed a life insurance policy. Guaranteed issue life insurance offers death benefit policies topping out around $20,000 to $30,000, depending on the company. The company does not guarantee the death benefit or premiums, only the policy. So the same policy may or may not be budget-friendly.

The company may also utilize a waiting period, during which beneficiaries would get a refund of premiums. However, the full benefit would only apply once the waiting period passes.

Accelerated underwriting life insurance

Accelerated underwriting uses everything except the medical exam. Underwriters access applicants' public medical records and credit data. Typically, companies take applicants between the ages of 18 and 60. Regular life insurance underwriting could take weeks or even months. Simplified underwriting life insurance policies can be issued the same day with some online insurance providers. It is not guaranteed issuance, and licensed agents may refer some customers for a medical test life insurance policy. However, death benefits could be higher than other no-medical test policies.

Group life insurance

Group life insurance is part of many employer benefit packages. No medical test is required, and death benefits are typically small. More importantly, it's tied to your employment. So if you separate from your employer, the policy will lapse. You can invest in higher death benefits by increasing your monthly deductions, but this is not required.

Pros and cons of no medical test life insurance

Pros:

• No blood tests or other medical exams required
• Quick approval, sometimes even the same day
• Guaranteed issue available within set age limits

Cons:

• More expensive than a medical exam-based life insurance policy
• Death benefits are lower, and waiting periods may apply
• Insurance companies may base your approval on health questionnaires and medical records
• Underwriting may be less tolerant of prior health issues, including things that would otherwise be non-problematic

No medical test life insurance is sometimes mistaken for a fast and easy solution for older adults or those with preexisting health conditions. In reality, it's just the opposite in many cases. Guaranteed issue policies may only be sold through life insurance companies for seniors. You also pay more to get less coverage across the board.

Life insurance companies can still access medical records. So applicants aren't hiding a history of heart disease, diabetes, or other chronic conditions. The only difference is you don't have to meet with a medical professional for a formal exam. If in doubt, non-guaranteed policies may be harder to get.

How to shop for a no medical test life insurance policy

A workplace policy will be issued based on your employment and yearly benefit elections. If you want the best life insurance companies for no medical life insurance that's all yours, remember a few key things:

• Work with a qualified life insurance agent
• Choose a company or brokerage with medical test options
• Compare quotes and coverage to ensure you understand what you're getting
• Be prepared for higher prices with limited death benefits
• Be honest on any health questionnaires

A no medical test life insurance policy's simplicity may be deceiving. It takes one element out of the application process, but underwriters may pull medical records and be stricter about smoking, preexisting conditions, age, and other common risk factors. Unfortunately, being denied by a life insurance company could make it harder to get life insurance coverage in the future.

Your agent can get a soft underwrite if you're working with a broker or company offering medical test policies. If it looks like your application can be denied, your agent could run a medical test life insurance application instead. A great thing about no medical test policies is that many companies offer online estimates. So you can compare pricing based on age, smoking status, desired coverage amount, etc., before you start the application process.

The most important thing to remember is underwriters still consider medical history. So if answering medical questions, answer honestly. If discrepancies come up later, leaving out details about your health may cause significant problems.

FAQs

The European Union has found holes in its Huawei plan.

EU member countries and the European Commission are finalizing a report showing how some governments have been slacking on imposing security restrictions on the use of Huawei's 5G equipment.

A group of 5G security experts will meet Thursday to go over the analysis. If it's approved, the Commission could still present the report this week, three people with direct knowledge of the progress told POLITICO. 

The Chinese tech giant has faced scrutiny across the Western world after countries realized they had become heavily dependent on it and feared it posed a security risk because the firm could be subject to Chinese state control.

The report is expected to warn that Europe still faces “a strong risk of persisting dependency” on high-risk suppliers like Huawei and its smaller Chinese competitor ZTE, details shared with POLITICO showed, with “potentially serious negative impact” on European users, companies and the bloc’s critical infrastructure.

It is also expected to say that the Commission could consider further action to ensure 5G security, though it’s unclear how and when the EU executive would take such a step; the EU is limited in its legal powers to force member countries to intervene in security issues.

Only a handful of countries have started enforcing hard bans on the use of Huawei, while others have ordered operators to phase out Huawei from large parts of their networks in the coming years. But some key markets — most notably Germany — have dragged their feet on putting in place security checks and have been reluctant to enforce the restrictions in place. 

Europe’s struggle to wean telecoms providers off Huawei has frustrated officials in Washington, who for years have called on allied countries to stop relying on Chinese critical tech altogether. But heavy-handed European action against Chinese 5G kit could also spark major trade tensions with Beijing.

A spokesperson for Huawei said in a statement that “assessing cybersecurity risks without staying true to technological standards, or excluding specific suppliers from network and information systems without proper technological evaluations, violates the principles of fairness and non-discrimination, as well as the laws and regulations of the EU and its member states."

"Exclusions based on non-technical judgments also pose serious economic and social risks," the spokesperson added.

The report comes as Europe is — again — reconsidering its relations with China, following increased tension over Taiwan and Beijing’s veiled support of Moscow in its invasion of Ukraine, and longstanding frustrations with Beijing's trade practices toward Europe and European companies. 

The Commission is preparing a new strategy on economic security for early next week, in an effort to firm up red lines on trade policies among national capitals. Germany, the EU’s biggest member country, also has a bilateral summit with Chinese officials next week in Berlin, and EU leaders will discuss EU-China relations at a European Council summit at the end of the month.

Retooling the toolbox

Europe’s efforts to reduce the presence of Chinese telecoms kit go back to a 2020 document called the 5G Security Toolbox. That plan entailed a list of measures to increase security in 5G networks, including technical measures like certification and also politically sensitive “strategic measures” that warn of foreign governments’ control over suppliers. 

Despite having been pitched and presented by the Commission, the document is a joint, nonbinding pledge of national governments to take common measures; it is not a binding EU law. 

Those national governments have varied widely in their speed, rigor and willingness to roll out measures, the new review report is expected to show.

The report is also expected to nudge countries to ask operators for clear information on how much Chinese equipment is in their networks, emphasize the risk of foreign government’s control over suppliers, and call for immediate action on so-called high-risk vendors.

It is also expected to call for broadening restrictions beyond just “core” telecoms networks and also in Radio Access Network (RAN) parts, for countries to stop allowing operators to install Chinese equipment even if they have a time window to comply with blocks, and to review risks with other kinds of suppliers like managed service providers. Finally, it would suggest developing technical cybersecurity procedures through government authorities.

Lay of the land

Sweden, Denmark, Estonia, Latvia and Lithuania are among the governments that have imposed blanket bans on Huawei’s 5G equipment. Many other European countries have put or are putting legal mechanisms in place to block deals and for telecom operators to phase out Chinese equipment. Governments in France, Belgium, Italy and elsewhere have actively intervened in prospective deals between operators and suppliers. 

Portugal was the latest country to publicly announce new changes, when a security committee last month published guidelines to assess security risks for 5G networks and cut high-risk vendors off from the market.

But key markets including Germany and Spain haven’t intervened much, despite having put security processes in place.

Germany has been slower than many of its European peers — a trend that chimed with Berlin's dovish approach to trade relations with China. Berlin has previously been criticized over its stance by both U.S. and EU officials.

Part of Berlin’s and other governments’ struggle was that it lacked even basic insights into which suppliers made up the country’s telecoms networks. “The information within the government until earlier this year was just abysmal,” said Thorsten Benner, director of the Global Public Policy Institute, a Berlin-based think tank.

“It’s a travesty that we’ve had this debate on Huawei in critical infrastructure networks and we still haven’t reached a conclusion. It’s about time,” Benner said. “But I do think most ministries are willing now to consider tougher measures that would somehow reduce Huawei’s presence.”

Huawei, a leading global ICT solutions provider signed an agreement with two global companies to promote the growth of the Internet of Things (IoT) and build a IoT ecosystem in the Middle East: Nextek Solutions, a global IT & software provider and integrator and Quectel, a leading provider of wireless modules. The two entities will cooperate with Huawei to build Narrowband IoT (NB-IoT) solutions that target the needs of regional organizations.

In the Middle East, the Internet of Things is being driven by Smart Cities. Governments from this region have made smart city expansion a key goal of their national agendas, leading to the deployment of innovative projects that stand as a reference for smart city development worldwide.

“Huawei believes that the key to driving Smart City development in the region is to create an ecosystem of partners and vendors working together to co-create solutions that precisely target the needs of their respective vertical sector,” says Su Wang, Vice President of Marketing, Huawei Middle East. “We are eager to work with partners like Nextek and Quectel to drive IoT development and commercialization in the region. Through joint investments and collaboration between manufacturers, operators, ICT providers, application software developers, research institutes, and even governments, the pace of growth of IoT will keep accelerating.”

“Nextek is very eager to cooperate with Huawei for IoT and Smart Cities projects in the Middle East and globally. We understand the local markets very well and the need for IoT solutions for various verticals. Nextek is well positioned to contribute as a software provider and integrator,” said Karim Rahemtulla, Managing Director of Nextek. 

“As one of the first NB-IoT module manufacturers in the world, Quectel is willing to explore the Middle East market together with partners across the industrial chain including operators, local IoT device vendors and distributors, in order to contribute to the smart city vision in the Middle East,” said Doron Zhang, Senior Vice President of Quectel.

Huawei has been active in IoT development across the Middle East, collaborating with Etisalat to launch the first successful trial of Smart Parking in the region. Huawei partners with Jeddah Municipality to implement groundbreaking smart city solutions in the region. Zain has already deployed IoT solutions in KSA, aimed at ensuring a better life for its citizens. In order to accelerate the development of the IoT industry and enrich the ecosystem, Huawei has deployed its Hosting Center that serves as a secure platform for operators in the region.

Huawei’s Smart City Center of Excellence in Dubai acts as a platform for industry leaders to share their knowledge and collaborate to keep progressing the field. OpenLab Dubai provides regional partners with a platform to test and customize a variety of technologies to target the vertical sectors most relevant to the Middle East, particularly Public Safety, Smart Cities, Transportation, Education, and Oil & Gas.

The German government is preparing a massive investment plan to boost the development of local telecoms firms, in an effort to pivot away from dominant suppliers like China's Huawei.

The plan, dubbed the "joint proposal for action" by the ministries of interior, economy, research and transport, and seen by POLITICO, lays out how the government plans to spend €2 billion in funding from its larger coronavirus recovery stimulus program presented in June.

"The prosperity and competitiveness of Germany and Europe will increasingly depend on mastering new communication technologies," the proposal said, adding that this would "require a common political and industrial commitment at national and European level."

The plan comes as European governments increasingly take steps to box out Chinese tech giant Huawei from 5G-rollout plans due to security concerns. The restrictions mean telecoms operators have become more reliant on Sweden's Ericsson and Finland's Nokia, triggering calls from telecoms operators and some lawmakers to open up the supply chain to new players.

The German draft proposal includes over €300 million of investment in Open RAN technology, €237 million for a 6G research hub and €250 million to boost demand and expand 5G networks.

The draft also earmarked €550 million of German public investment in Europe's microchip market through a joint project, announced Tuesday, between the government, the EU and local industry players.

The draft proposal was first reported by Handelsblatt.

Looking for new 5G

The government wants to prioritize "open RAN" technologies throughout its telecoms investment plan, a concept that would chop up the 5G supply chain into smaller pieces and break the market power of large end-to-end vendors like Huawei, Ericsson and Nokia.

Ericsson and Nokia "for long have held a globally good position," the text said, but "China is however technological frontrunner in 5G mobile networks."

"Germany and Europe need to urgently strengthen their competences and develop industrial ecosystems for Open RAN and 6G technologies, including hardware and software," it said.

The adoption of Open RAN could mean a blow for Ericsson and Nokia, which have benefited from the pushback against Huawei. But the concept is heavily favored by telecoms operators, who use the equipment and complain that they are too reliant on gear from the two European suppliers.

The plan seeks to facilitate "Germany's entry into technologies for Open RAN solutions," with hopes to establish new companies in niche markets like network integration and edge computing software.

These services and products are currently part of major contracts between operators and major vendors like Huawei, Ericsson and Nokia.

Experts have warned that the Open RAN technology is still immature and it could take years for these new types of networks to function as well as conventional 5G systems.

But the concept has gained influence in countries including the U.S. and the U.K., where lawmakers sought ways to replace Huawei.

In the European Union, Germany so far has been among the most eager to promote the concept — which is also heavily favored by its telecoms giant Deutsche Telekom as it looks to exit its dependency on Huawei equipment.

Microchip plan

Also on Tuesday, the German government said it wants to boost the German and European semiconductor industry with new EU, German and private investments to boost chip manufacturing and design firms.

“We want Germany and Europe to become more sovereign and independent of imports when it comes to microelectronics and communication technologies," Economy Minister Peter Altmaier said in a statement, announcing the government's plan to launch a so-called Important Project of Common European Interest (IPCEI), elected projects that are set up to allow EU and national public funding to help private companies develop new technologies like microchips..

The global semiconductor supply chain is dominated by U.S., Taiwanese, Chinese and Korean firms. Europe lags far behind in the supply of high-end chips, though it has a handful of companies that champion supply-chain niches like chip-printing machines and chips for cars.

The German call to launch an IPCEI project comes in the wake of warnings by its car industry last month that a chip shortage was disrupting its production.

The European Commission is also working on a strategy to catch up on chips. It launched discussions with Europe’s leading firms in a bid to launch an “alliance” of firms, institutes and national governments to pool investments and set up joint projects this spring, including a manufacturing plant for high-end chips.

This article was updated to reflect that Important Projects of Common European Interest are approved under EU state aid rules.

Although Huawei's smartphone and car business success this year has been hailed as a turning point that left the impact of the US sanctions behind, Huawei's Q1-Q3 earnings numbers don't quite add up.

The type of pet you insure is only one factor in determining your pet insurance costs. For example, the average cost of pet insurance for a dog is $44 per month and $30 per month for a cat, according to Forbes Advisor’s analysis. That’s based on a policy with $5,000 of annual coverage, a $250 deductible and an 80% reimbursement level.

Here are some other common factors that determine pet insurance costs.

Annual Maximum, Deductible and Reimbursement Level

These are the three main variables that determine how much reimbursement you’ll get if you file a pet insurance claim: annual maximum, deductible amount and reimbursement percentage. Pet insurance will cost more if you choose a high annual maximum, low deductible and/or high reimbursement level.

Pet’s Age

Younger pets are typically cheaper to insure than older pets. That’s because older pets are more likely to have injuries and illnesses, which means higher vet bills. Those higher insurance claims are passed on to policyholders in the form of higher pet insurance premiums. We found the best prices for pet insurance are after a pet’s first birthday until around age six.

Pet’s Breed

Certain breeds are predisposed to hereditary problems and illnesses, which could result in more vet visits and higher medical costs.

For example, a small mixed breed dog costs $33 per month to insure compared to $76 per month for a French bulldog, according to a Forbes Advisor analysis of the most expensive dogs to insure.

Pet’s Gender

Pet insurance companies have found that female pets usually have fewer claims compared to males, so some insurers use pet gender in pricing. Male pets cost about 5% more than females for pet insurance, according to the National Association of Insurance Commissioners.

Your Location

The average cost for a veterinarian visit is about $61, based on Forbes Advisor’s analysis. Since average vet costs vary around the country, insurers account for that when setting rates.

BERLIN--Huawei Technologies showcased its chipset for a new high-end smartphone on Friday, pressing ahead with plans to launch its Mate 30 range, despite uncertainty about whether the new phones will be able to run Google's Android operating system and apps.

The Chinese tech giant bills the Kirin 990 chipset as the first all-in-one 5G system on a chip, describing it as superior to alternatives from Qualcomm and Samsung that, it says, graft 5G modems on to 4G chips.

"It’s the world’s most powerful 5G system on a chip. It’s the world’s most powerful 5G modem," Richard Yu, the head of Huawei’s consumer business group, said in a speech in Berlin.

Huawei's launch at the IFA consumer electronics fair in Berlin of the Kirin 990, made using the latest 7 nanometer production process, is part of a carefully sequenced buildup to the Sept. 19 international launch of the Mate 30 in Munich.

Yet, say Huawei sources, it is still not known whether the Mate 30 will be able to run services from Alphabet's Google following the blacklisting of the Chinese company by the U.S. administration in May.

That ban sliced 5 percentage points off Huawei's market share in Europe.

The world's No.2 smartphone maker is looking to reclaim ground as the spread of ultra-fast 5G networks prompts an upgrade cycle among consumers who have been holding on to phones for longer. Consumers will need new handsets to take advantage of the ultrafast download speeds promised by 5G.

NO GOOGLE, NO JOY

The services in doubt include pre-installing the Google Play store and a suite of popular apps such as Google Maps that buyers would expect to be available from the moment they turn on their new phone and synch it with their profile.

Huawei's fallback option would be to run the devices on its home-grown Harmony operating system, although company officials and analysts say it is not yet ready for prime time.

"The elephant in the room is Google," said Peter Richardson of Counterpoint Research, after attending a technical briefing on the Kirin 990 by Huawei managers that skirted the issue and focused only on the chipset's specifications.

The Kirin 990 packs more than 10 billion transistors and can support downlink speeds of up to 2.3 gigabits per second.

It has an adaptive receiver that enables it to switch between 4G and 5G where coverage of the faster technology is weak.

And, to save energy, it has a 'big core' to handle powerful computing tasks with the support of artificial intelligence, and a 'tiny core' for less demanding operation.

Huawei plans only to use the Kirin 990 in its own devices, meaning it lacks the marketing opportunities enjoyed by Qualcomm, whose chips already power the Samsung 5G phones, such as the Galaxy 10, already on the market.

Apple's exact settlement of a patent dispute with Qualcomm, and Intel's exit from the smartphone modem business also reflect the U.S. chipmaker's muscle in a global market that is increasingly fragmenting due to the U.S.-China trade tension.

"Qualcomm has a scale advantage," said Ben Wood, analyst at CCS Insight. "Huawei's commitment to continue innovating on silicon is really impressive, especially given the geopolitical headwinds they are facing.

"But at the end of the day, it's a single-vendor solution. And, even if they had aspirations to sell the chipset, that is getting more difficult all the time."