There are a lot of life policies which do not require a physical exam. Some do not even require a health interview. You may wonder how insurers can take the risk of issuing policies like these.When you apply for life insurance, you usually have to answer a lot of health questions. Sometimes you even have to have a special physical so the insurer can make sure you are heathy. You may wonder how insurers can profit if they will accept...more
Symbolism is one of one a persons most extraordinary traits, one of humanities most crucial talents. Symbolism is the ability to interpret external stimuli, such as words, sounds, or sensations, transforming them into ideas relevant to ones self. Numbers are one of the most ingenious inventions of the human race. They allow an infinite amount ob objects to be represent by a few characters. Human memory itself can be drawn upon and...more
Underwriting for Individual PoliciesAll states require the medical underwriting of individual policies. This helps insurance company to verify the applicants medical history and lifestyle before determining the type and price of the policy. Through underwriting, the company wont be able to refuse if the condition does not exist or not defined at the time of application. However, it could be a basis for the company to refuse coverage for anyone who has risk of future claims. The insurance code authorizes a company to discontinue coverage for pre-existing conditions after the issue of the policy for certain time period. However, most companies do not follow the pre-existing conditions especially when the policy is in effect at the time it is issued.Insurance companies have the right to deny a claim if an applicant is proven guilty of using false information that could have affected the policy, whether it should have been issued or not. On the other hand, if the applicant revealed information that do not necessarily affect the policy, then the insurance company cannot change any future claims after the policy has been issued for two years or more. Also, iIf the person disclosed wrong...more
Life Insurance All Around Today's World Scenario requires every one to have comprehensive security all around . This includes 1. Health , foods , medicines , exercise , good night's sleep , sex time to yourself , meditation , social physical and mental well being .2. Wealth , money , financial security , bank savings , own mansions...more
Being alive seems so essential that most of us wont even bother themselves worrying about the possible consequences of a death, serious illness or even a simple injury. Working individuals are usually granted a health insurance which covers a visit to doctor in case of flu, simpler first aid and even some procedures in case a hospital is needed....more
Life insurance is a commodity - sold and procured. But many people would not want to think about this particular product. It usually is associated to something all of us hate to come - death. But if you would just give your underwriter time to explain the benefits, maybe you can have a change of notion about life insurance. What are the benefits?You have to accept that we cannot control our lives and that death is an eventuality only God knows when it will come. With life insurance, you have made provision for your children and family. You would leave them some amount so they can pick up the pieces and start their new life. They are taken care of by the money you will leave them, which is the face value of your insurance coverage.Peace of mind - for you. You can always be contented even if you have fear for your death. You know that when you are gone, there is some money left for your family and children. You can even purchase an insurance type that can cover funds for the education of your children. Or - your insurance benefit can be a trust fund for your children. So - their financial needs can be provided. How do you like it to be considered as an investment? Many of the...more
They just spend a lot of time talking about it! If you have been fortunate enough to even be quoted potential rates and can actually compare used auto loan rates, you are probably still reeling from the exorbitant interest rates youve been quoted!...more
As the sun sets in Doha, the city comes alive with a vibrant nightlife scene that is sure to provide endless hours of fun and entertainment for party-goers and those looking to relax after a tiring day of work. The various night entertainment spots...more
By now you know how the increasing cost of hospitalization and healthcare expenses have made health insurance an inevitable necessity for all, right? Let's now understand how buying health insurance from a general insurance company...more
Life insurance quotes protect you and your immediate beneficiaries. It offers a lumpsum amount to your family in an event of untimely death. Insurance quotes are divided into various types based on your age and income. Life insurance quote is a must...more
Oscar Cabra is The North American Development Bank Dir Technical Services. Established in 1994 with headquarters in San Antonio, Texas, the NADB is a bilaterally-funded, international organization, capitalized and governed equally by the United...more
The main aim of buying a life insurance policy is to protect your dependants from financial strife in the event of your death. Your choice of a life insurance policy should therefore be economical as well as effective. Choosing the right policy will...more