Sentences with phrase «additional coverage without»

It essentially waives health as a requirement for insurability, and you will be able to obtain additional coverage without needing to qualify for the coverage.

This rider provides the policyholder an option to buy an additional coverage without any medical examination or any evidence about insurability.

If you are approved for Super Preferred Non Tobacco and Preferred Non Tobacco rates, this rider allows you to buy additional coverage without having to get another medical exam.

While Guaranteed Insurability Option lets you acquire additional coverage without having to prove your insurability, Guaranteed Issue Right is a right that allows you to purchase insurance policies without having to take medical and / or physical examinations.

You may have heard of Guaranteed Insurability Option which lets you acquire additional coverage without having to prove your insurability.

The guaranteed insurability rider provides the option to purchase additional coverage without having to provide proof of insurability.

Guaranteed Insurability — if you choose this optional rider, you can add additional coverage without evidence of insurability.

It allows you to purchase additional coverage without a medical exam.

When they turn 21, they become the policyowner and have the option to purchase additional coverage without any health assessment.

The rider allows the purchase of additional coverage without proof of insurability at specific ages, or alternatively, on certain special occasions such as marriage or the birth of a child.

«The insurance industry has expressed concern that insured persons who learn, after taking a genetic test, that they are at high risk for a genetic disease could knowingly take out policies for large amounts of additional coverage without insurers being aware of any increased risk,» says the report.

The guarantee purchase rider allows the insured to purchase additional coverage without evidence of good health.

Not exact matches

Additional Insured Rider Provides death benefit coverage on the lives of up to three family members without having to purchase separate policies.

In fact, many of the additional coverage types we'll discuss below can not be purchased without general liability already in place.

This coverage for additional living expenses helps you to maintain your standard of living without it impacting your financial situation.

Review your extended warranty to ensure you have the motorhome insurance protection you need without purchasing additional coverage.

Without the coverage, you assume significant additional risk.

Additional Insured Rider Provides death benefit coverage on the lives of up to three family members without having to purchase separate policies.

Without a covered loss, there would be no coverage for additional living expenses (ie a hotel).

Raising the personal property limit often doesn't make much difference in the cost of the coverage, and people have a habit of acquiring additional property without giving much thought to what it adds to the total.

Additional living expenses coverage helps you to maintain your standard of living without having to dig into your own pocket to pay for it.

You can also renew your coverage automatically up to age 85 without answering any additional medical questions.

A rider is an optional coverage add - on to the primary policy, which creates additional coverage opportunities without the need to purchase an entirely separate policy.

In addition, you can convert your policy to permanent coverage without additional medical exams or underwriting.

In addition, riders can be added to each policy that allow you to adjust the death benefit, either so that it increases over time, it decreases over time, or you're able to purchase additional coverage later without medical questions.

If you take a permanent policy, a guaranteed insurability clause will enable you to buy additional coverage in the future without needing to qualify based on the state of your health.

You would then have full life insurance coverage without having to pay any additional premiums, as long as the cash - value account balance remains sufficient to pay for the pure cost of insurance and any other expenses and charges.

This means if you are nine years into your contract and want to convert, you are free to do so without having to go through additional physical exams and would be able to obtain the same coverage at a lower premium than that of a completely new policy.

Convertibility provisions permit the policy owner to exchange a term contract for permanent coverage within a specific time frame without providing additional evidence of insurability.

Unlike basic term life policies without additional benefits, this product includes three types of living benefits through accelerated death benefit riders, and a premium waiver during unemployment.2 These riders offer additional flexibility and coverage for a number of unexpected events.

There are a few things you can do to save money on a travel insurance plan such as choosing a higher deductible or electing for the «basic» travel insurance policy without all of the additional policy add - ons such as identity theft protection, concierge services, rental care damage, coverage for pre-existing medical conditions, travel companion benefits, expanded luggage coverage or trip cancellation coverage for any reason just to name a few.

By consolidating a large amount of premium during a short period of time, the coverage can be paid - up for life, without the need to worry about making any additional premium payments in the future.

Pacific Life does not put much effort in trying to be a leader in term coverage, and they do make the push to permanent, allowing you to convert this term policy to a universal without any additional underwriting (though your costs will rise, per thousand).

You can also renew your coverage automatically up to age 85 without answering any additional medical questions.

This means if you are nine years into your contract and want to convert, you are free to do so without having to go through additional physical exams and would be able to obtain the same coverage at a lower premium than that of a completely new policy.

In a worst - case scenario, lies or material misrepresentations in the application process could not only find you without coverage but also subject to additional penalties from the town that requires renters insurance for dogs!

There are many additional optional coverages available, such as rental reimbursement, which pays for a rental car if your car is in the shop after a covered claim, roadside assistance or towing insurance and full - glass coverage, which pays to repair or replace broken window glass, without a deductible.

Without this additional coverage, your company could be sued if an accident occurs while the vehicle is being used for business - related purposes and your insurance company could refuse to honor your claim.

If the policy is guaranteed renewable, you can extend coverage for an additional term without having to qualify again, though the annual premium will increase because you're older.

A guaranteed insurability rider lets you purchase additional life insurance coverage at a later date (and at specified intervals) without undergoing a medical exam or providing any evidence about your insurability.

Leasing has advantages like low (or no) down payment, better vehicle, and better warranty coverage but you also don't own the vehicle and you aren't able to drive as much as you want since most lease agreements have a maximum mileage you can't go over per year — at least not without an additional charge.

If you then totaled the car without having gap coverage, you wouldn't have any coverage on the additional amount you owe on the lease because the regular insurance premium would only cover the cash value of the vehicle.

If you are comparing two companies and one can offer enough coverage without an additional endorsement and the other can not, be sure to add the cost of the extra rider to the second one to accurately compare them side by side.

On top of coverages, USAA affords its members — including those without insurance policies — access to additional benefits.

Were they honest about what coverage you needed and did not need or did they just try to sell you additional coverages you felt that you could do without?

Often, insureds are allowed to convert their term life insurance coverage over into a permanent life insurance policy without having to take a medical exam or even provide any additional evidence of insurability.

This benefit can be used for insured's up to age 33 and it allows them to purchase additional coverage at certain policy anniversaries without proof of insurability.

This could be an excellent rider to take advantage of if after buying the policy you wanted to get more insurance — for example maybe you have a new baby on the way, or maybe you lost your job or changed jobs and no longer have a policy at work — with the Additional Options Rider you can increase your coverage without a medical exam.

Without this additional coverage, sinkhole damage is frequently not covered.

This coverage allows the policy owner to purchase additional amounts of insurance on the life of the insured person without evidence of insurability up to a maximum of 5 times.