For instance,
Simplified issue policies from MetLife range from $ 5,000 to $ 100,000 in coverage and Prudential will offer up to $ 110,000 for simplified issue.
Not exact matches
But within that framework are different types of life insurance
policies, ranging
from fully underwritten, to automated accelerated underwriting, no exam,
simplified issue, on down the line to guaranteed
issue.
Note: If you have a serious health
issue that's been diagnosed, a
simplified term life insurance
policy isn't a way to get a better rate by lying about it or intentionally omitting it
from your application.
When insurers look over a
simplified issue life insurance application, they can see your medical exam results
from your term life insurance
policy.
Simplified issue life insurance
policies also protect you
from things you may not know are going on within your body.
You can purchase a
simplified issue policy worth anywhere
from $ 10,000 to $ 50,000.
Since you do not have to schedule a paramedical exam, wait for the diagnostic results, potentially require more information
from your doctor, or require more tests, then a
simplified issue life insurance
policy makes sense in many cases.
From simplified issue to multi-life discounts, we use underwriting programs to facilitate purchasing a
policy, reduce premiums, or allow more benefit amount.
Simplified issue term life is often an option for people over 45 years old, who may have health
issues that could prevent them
from getting a
policy through the normal underwriting process.
Note: If you have a serious health
issue that's been diagnosed, a
simplified term life insurance
policy isn't a way to get a better rate by lying about it or intentionally omitting it
from your application.
When insurers look over a
simplified issue life insurance application, they can see your medical exam results
from your term life insurance
policy.
Simplified Issue Term — This type of
policy is best suited for those who suffer
from any medical
issues or have a troubled medical history because this type of term life insurance allows you to receive coverage without a medical exam.
The company's
Simplified Life is a graded death benefit whole life insurance
policy is
issued to those aged 50 — 80, providing death benefits
from $ 2,500 to $ 25,000, level premiums guaranteed never to increase and a full death benefit payable after two
policy years.
For example, while a life insurance
policy that is
simplified issue may not require the applicant to undergo a medical exam, these
policies may still ask for health information
from the proposed insured.
Most
simplified -
issue term life
policies can be purchased in face amounts ranging
from $ 5,000 to $ 100,000 or more.
If you're interested in buying
simplified issue life insurance, you may be comparing
policies from Globe Life and New York Life.
With this in mind, the Easy Choice Term
policy can be in place for exactly this long while also offering
simplified underwriting, no medical examination life insurance,
issue age of between 18 - 70, coverage
from between $ 5,000 and $ 100,000, and a short form application process.
But what exactly is
simplified issue life insurance and how does it differ
from a traditional
policy?
One alternative for someone who has a health complication which can prevent him or her
from getting a traditional
policy is to go with a
simplified issue life insurance
policy.
We usually like to steer people away
from simplified issue life insurance or other
policy types where you don't need an exam to get covered, because you're paying for that convenience — literally — in the form of much higher monthly premiums.
They also have a two - year benefit waiting period (applicable to all guaranteed
issue policies and some
simplified issue policies) meaning that if a policyholder dies within the first two years, and the death is
from disease and not
from an accident, the claim will not be paid and only the premiums will be returned.
Simplified -
issue term life insurance
policies can be bought in increments ranging
from $ 5,000 to $ 100,000 or more of coverage.
If you've suffered
from a stroke and / or heart attack in the past, or have suffered
from some other cardiovascular related disease, there's still a really good chance that you will be eligible for a traditional term life or whole life insurance
policy, or
simplified issue life insurance, or finally, guaranteed
issue life insurance.
For example, if you buy a fully underwritten term life
policy from Prudential or Banner, your rates will almost certainly be lower than if you took the
simplified issue policy.
You might also need to consider either
simplified issue life insurance
policies or guaranteed
issue life insurance
from among the Best Final Expense and Burial Insurance Companies.
If your current or past health
issues have kept you
from qualifying for a traditional or
simplified issue policy, there is still the option of a guaranteed
issue life insurance
policy.
This is because, most
simplified issue life insurance
policies, in addition to not requiring one to take a medical exam will often not request medical records
from your primary doctor, which means that underwriters reviewing your
simplified issue life insurance application will have less information to base their decision on.
Instead,
simplified issue life insurance
policies, will simply rely on information collected
from:
What will be known for sure is that if you are currently suffering
from congestive heart failure, you WILL NOT be eligible for a traditional life insurance
policy and you will also NOT BE eligible for a
simplified issue life insurance
policy either.
If you are not currently hospitalized or suffering
from a critical illness, you should qualify for a
simplified issue policy.
Usually call a
simplified issue policy, it relies on the application and information
from the medical information bureau.
How do I handle requests for such references?Thank you so much for your help!CherylCHERYL M. EARLE3407 Old Dobbin Road, Montgomery, Alabama 36116 - 1903Home Phone: 334-215-3706 Cell Phone: 334-233-2631 Fax: 334-273-0477 E-mail:
[email protected] position managing legal discovery and document review with opportunity to assist attorneys with civil litigationBAR ADMISSIONAlabama State Bar, 1999LAW - RELATED EXPERIENCELaw Firm, AlabamaResearch Attorney for Special Projects, Mass Torts Department, November 2001 — February 2008 • Managed Multi-District Litigation (MDL) Document Depository (September 2002 to February 2008) o Reviewed more than 1 million pages of evidentiary documents for litigation purposes and for inclusion in electronic databaseso Coordinated document review assignments with attorneys at local depository and at other sites across the USo Retrieved, reviewed and coded documents in Concordance and Summation legal databaseso Prepared memoranda and spreadsheets providing detailed analysis of discovery materials • Aided attorneys and support staff with processing and preparation of personal injury claims and litigationo Conducted legal research and drafted pleadingso Conducted supplementary online research for additional documents and information pertinent to litigationo Assisted with preparation of correspondence to clients and referring attorneyso Contacted clients for additional information needed in case preparation, litigation, and potential settlementso Prepared and input case intakes and referrals into databaseLaw School, AlabamaStudent Intern, Alabama Disabilities Advocacy Program (ADAP), August 1996 — June 1997 • Participated in law school clinical program under third - year law student practice rule (as authorized by Alabama Supreme Court) o Assisted attorneys and advocates in cases involving mentally ill patients confined to state mental health facilitieso Interviewed clients in person (at state facilities) and over the phoneo Worked with clients, attorneys, and social workers to investigate and resolve
issues concerning involuntary confinement and treatmento Aided in legal research on an appellate brief submitted to the U. S. Court of Appeals for the Eleventh Circuit (ruling granted in favor of our client) Faculty Research Assistant for Library Services, Bounds Law Library, March 1996 — June 1997 • Prepared research and teaching materials for law school faculty; worked 20 hours per week while matriculating 10 - 15 hours per semester) o Investigated copyright
issues related to procuring and reproducing texts for academic useo Conducted legal research using WESTLAW, LEXIS and the InternetADDITIONAL RELEVANT EXPERIENCEManufacturing Company (MC), Montgomery, AlabamaAdministrative Assistant and Cost Analyst, Materials Purchasing Department, April 1999 — September 2001 • Assisted materials buyers in negotiating and preparing commodities contracts between raw materials suppliers and MC for manufacturing plants in the US and Mexicoo Assisted Legal Department at MC's corporate headquarters with coordination and preparation of documents for litigationo Notified and educated suppliers about MC's freight - on - board
policy and its corresponding Uniform Commercial Code (UCC) provisions; result was the reduction of freight claims for both the company and its supplierso Prepared contracts and purchase orders for raw materials and capital projects involving plant maintenanceo Solicited price quotations
from current vendors and established Excel spreadsheet format which
simplified quote submission process and allowed MC to track and compare usage volumes and costs over timeo Prepared and analyzed cost reports used by materials buyers and production planners in purchasing decisions, including cost reductions, materials consolidation, and selection of vendorso Acted as liaison between vendors and the Purchasing, Transportation and Accounting Departments on
issues concerning inbound freight, commercial carriers, and payment terms for commodities, resulting in reductions in freight costs and greater payment discounts for raw materialso Established online databases and printed directories for the Purchasing Department, allowing buyers to have easier and faster access to current vendor informationo Completed Year 2000 (Y2K) compliance project, which involved data collection and communication with MC's past, present, and potential materials suppliers and service providersNot - For - Profit Organization, AlabamaAdministrative Assistant, Combined Federal Campaign, September 1998 — January 1999 • Aided Campaign Director with 1998 Federal Campaigns (CFCs) in City 1 and City 2, which together generated nearly $ 700,000 for more than 1,000 local, national and international charitieso Prepared weekly reports on donations using WordPerfect, Microsoft Word, Excel and dBase IVo Wrote script for Talent Showcase at City 1's 1998 CFC Kickoffo Assisted Director with merger of the City 1 and City 2 CFCs in 1999Regional Bank, AlabamaAdministrative Assistant, Year 2000 (Y2K) Department, March — June 1998 • Worked with Vice President of Corporate Projects on short - term project for the bank's Y2K Departmento Analyzed and processed data on Y2K readiness for all branches of Bank throughout the southeastern USo Organized meetings for personnel of Banko Communicated with vendors of computer hardware, software, and office equipment to request information on Y2K complianceo Prepared compliance files for Federal Reserve auditso Prepared in - house memoranda and reports using Microsoft Word and ExcelRecord / Music Promotion Company, AlabamaRecord Pool Co-Founder; Office Manager, September 1990 — December 1991 • Co-founded record pool to enhance promotion of music in Alabama and the southeastern USo Procured and distributed records
from major and independent labels for club, radio and mobile disc jockeyso Coordinated jointly sponsored promotional events with record companies, radio stations and clubso Designed, wrote, and published bi-weekly reports and brochures to inform the music industry of the progress and popularity of music and performers in the region, with specific focus on the Alabama music sceneMajor University, AlabamaGraduate Research Assistant, AUM Department of Marketing, June 1989 — August 1990 • Worked 13 - 20 hours per week as a research assistant to Marketing faculty while carrying a full course load in the MBA programo Analyzed consumer surveys used in academic researcho Assisted Conference Chairperson with coordination for Atlantic Marketing Association (AMA) annual meeting (October 1989) o Co-authored five - year index and classification of AMA Proceedings (published Fall 1991) EDUCATIONLaw School, AlabamaJuris Doctor (JD), 1997 • Scholarshipso Seybourn H. Lynne Scholarship, 1996 - 97o Dexter C. Hobbs Memorial Scholarship, 1995 - 96o E. W. Godbey Memorial Scholarship, 1994 - 95 • Honorso Who's Who Among American Law School Students, 1996 - 94o Arthur Davis Shores Award, 1997 • Activitieso Frederick Douglass Moot Court Team Manager, 1996 - 97 Southern Regional Competition, Second Place National Competition, Eighth Placeo John A. Campbell Moot Court Competition, Spring 1996o Black Law Students Association Delegate, BLSA National Convention, 1997 Co-Chairperson, Public Relations Committee, 1996 - 97 Chairperson, Public Relations Committee, 1995 - 96 BLSA President's Award, 1996 and 1997o American Bar Association, 1996 - 97 Entertainment and Sports Industries Forum Intellectual Property Section Law Student Divisiono LAWS Student Group Leader, 1995 - 96Major University, AlabamaMaster of Business Administration (MBA), 1990Bachelor of Science in Business Administration (B.S.B.A.), 1988 (Major: Marketing — Advertising and Promotion Track) • Honorso Dean's List • Activitieso National Student Advertising Competition Team, 1988 - 90 Seventh District Competition: Third Place, 1990o Marketing Club, 1987 - 90 Vice President — Career Development, 1988 - 89o Public Relations / Advertising (PR / AD) Club, 1988 - 90 Charter Member, 1988 Active in fund - raising and membership driveso Theater Guild, 1988 - 90 Screening Committee, 1989REFERENCESAvailable upon request