Sentences with phrase «as guaranteed issue insurance»

If the insurance company is unwilling to offer coverage because of issues discovered during the underwriting process, your agent can offer you a non-medical policy, also known as guaranteed issue insurance.

Not exact matches

As with other whole life insurance policies, guaranteed issue policies will build a cash value over time and coverage lasts as long as you continue to pay the premiumAs with other whole life insurance policies, guaranteed issue policies will build a cash value over time and coverage lasts as long as you continue to pay the premiumas long as you continue to pay the premiumas you continue to pay the premiums.

In contrast, accounts that guarantee at least the return of your original balance — like certificates of deposit or money market accounts — are always covered, as long as the issuing bank or credit union participates in deposit insurance.

And life insurance policies with limited underwriting, such as simplified issue or guaranteed acceptance policies, regularly restrict death benefits to be less than $ 100,000 to $ 250,000.

The insurance is issued by debt security insurance firms and their duty is to give you guarantee that the interests and principal amount will be paid as at when due.

Examples of these risks, uncertainties and other factors include, but are not limited to the impact of: adverse general economic and related factors, such as fluctuating or increasing levels of unemployment, underemployment and the volatility of fuel prices, declines in the securities and real estate markets, and perceptions of these conditions that decrease the level of disposable income of consumers or consumer confidence; adverse events impacting the security of travel, such as terrorist acts, armed conflict and threats thereof, acts of piracy, and other international events; the risks and increased costs associated with operating internationally; our expansion into and investments in new markets; breaches in data security or other disturbances to our information technology and other networks; the spread of epidemics and viral outbreaks; adverse incidents involving cruise ships; changes in fuel prices and / or other cruise operating costs; any impairment of our tradenames or goodwill; our hedging strategies; our inability to obtain adequate insurance coverage; our substantial indebtedness, including the ability to raise additional capital to fund our operations, and to generate the necessary amount of cash to service our existing debt; restrictions in the agreements governing our indebtedness that limit our flexibility in operating our business; the significant portion of our assets pledged as collateral under our existing debt agreements and the ability of our creditors to accelerate the repayment of our indebtedness; volatility and disruptions in the global credit and financial markets, which may adversely affect our ability to borrow and could increase our counterparty credit risks, including those under our credit facilities, derivatives, contingent obligations, insurance contracts and new ship progress payment guarantees; fluctuations in foreign currency exchange rates; overcapacity in key markets or globally; our inability to recruit or retain qualified personnel or the loss of key personnel; future changes relating to how external distribution channels sell and market our cruises; our reliance on third parties to provide hotel management services to certain ships and certain other services; delays in our shipbuilding program and ship repairs, maintenance and refurbishments; future increases in the price of, or major changes or reduction in, commercial airline services; seasonal variations in passenger fare rates and occupancy levels at different times of the year; our ability to keep pace with developments in technology; amendments to our collective bargaining agreements for crew members and other employee relation issues; the continued availability of attractive port destinations; pending or threatened litigation, investigations and enforcement actions; changes involving the tax and environmental regulatory regimes in which we operate; and other factors set forth under «Risk Factors» in our most recently filed Annual Report on Form 10 - K and subsequent filings by the Company with the Securities and Exchange Commission.

But Romneycare's combination of guaranteed issue + community rating + health insurance purchase mandate is, along this dimension, virtually the same as Obamacare.

And life insurance policies with limited underwriting, such as simplified issue or guaranteed acceptance policies, regularly restrict death benefits to be less than $ 100,000 to $ 250,000.

MYGAs are issued by insurance companies instead of banks and typically offer higher guaranteed interest rates, as well as the ability to be converted into a lifelong stream of income.

Guaranteed issue life insurance policies are designed so that surviving loved ones can pay for your final expenses, such as a funeral, burial, and medical bills.

Guaranteed issue life insurance is typically known as «last resort» life insurance.

As with other whole life insurance policies, guaranteed issue policies will build a cash value over time and coverage lasts as long as you continue to pay the premiumAs with other whole life insurance policies, guaranteed issue policies will build a cash value over time and coverage lasts as long as you continue to pay the premiumas long as you continue to pay the premiumas you continue to pay the premiums.

No exam life insurance is also commonly referred to as «guaranteed issue» and «simplified issue» life insurance.

Guaranteed issue life insurance dispenses with health questions altogether and ensures that you will get coverage as long as you meet the age requirements and live in a state where the guaranteed issue policGuaranteed issue life insurance dispenses with health questions altogether and ensures that you will get coverage as long as you meet the age requirements and live in a state where the guaranteed issue policguaranteed issue policy is sold.

Mutual of Omaha also offers competitive rates for guaranteed issue whole life insurance, as well as a wider range of death benefits.

Please consider that even no medical life insurance has several sub-types (meaning different levels of protection and insurance rates) such as Simplified Issue Life Insurance Plans and Guaranteed Issue Life Insuraninsurance has several sub-types (meaning different levels of protection and insurance rates) such as Simplified Issue Life Insurance Plans and Guaranteed Issue Life Insuraninsurance rates) such as Simplified Issue Life Insurance Plans and Guaranteed Issue Life InsuranInsurance Plans and Guaranteed Issue Life InsuranceInsurance Plans.

This risk is minimal for mortgage - backed securities issued by government agencies or government - sponsored enterprises — also known as «agency» securities issued by Ginnie Mae, Fannie Mae or Freddie Mac — and most asset - backed securities, which tend to carry bond insurance that guarantees payments of interest and principal to investors.

Insurance companies have attempted to deal with these issues by adding riders such as guaranteed death benefit.

The major insurance companies of that period were deeply at fault in this as well, largely driven by the need to issue 5 - year Guaranteed Investment Contracts [GICs] to rapidly growing stable value funds of defined contribution plans.

In the recent issue of The Cerulli Edge — Managed Accounts Edition, Cerulli Associates reports that insurance vehicles such as guaranteed income wrappers represent a development in the retirement income space.

Term deposits are also known as GICs (Guaranteed Investment Certificates), or Accumulation Annuities when issued by an insurance company.

Insurance professionals, on the other hand, have more eloquent names for these specialized policies, referring to them as «guaranteed issue» and «simplified issue» policies.

In contrast, accounts that guarantee at least the return of your original balance — like certificates of deposit or money market accounts — are always covered, as long as the issuing bank or credit union participates in deposit insurance.

Guaranteed issue life insurance is sometimes referred to as a «last resort»; because the insurer really has no idea about what they're insuring, guaranteed policies are very expensive and the death benefits are usually less than what you'll get with other insuraGuaranteed issue life insurance is sometimes referred to as a «last resort»; because the insurer really has no idea about what they're insuring, guaranteed policies are very expensive and the death benefits are usually less than what you'll get with other insuraguaranteed policies are very expensive and the death benefits are usually less than what you'll get with other insurance types.

A guaranteed issue life insurance policy is, as its name implies, guaranteed to offer coverage for those who apply.

Guaranteed issue life insurance policies do not require a medical exam or health questions as part of the application.

As a policy holder of a guaranteed issue life insurance plan, you will also want to ensure that you have the ability to own your policy for at least 24 months.

As you can probably guess from the name, guaranteed issue life insurance plans are exactly what they sound like.

Guaranteed issue life insurance quotes are based on a 66 year old male as of February 2017.

CoverMe ™ Guaranteed Issue Life insurance premiums will never increase, and your coverage will continue as long as you pay your premiums.

The insurance company guarantees that they will issue you a policy no matter what as long as the product is available in your state, you meet the age requirements, and you are of sound legal mind to enter into a contract.

As its name suggests, guarantee issue life insurance coverage does not require an individual to undergo a medical examination in order to qualify for the policy.

9) Burial or Funeral Expense Life Insurance — Essentially the same as Guaranteed Issue, but can also be sold as other forms of policies depending on the insurer.

However, the guaranteed issue amount may not provide as much life insurance as the policyholder needs when compared to other policies.

It is not uncommon to see guaranteed issue life insurance policies referred to as something else.

This is true as well with a guaranteed issue insurance policy.

If however you feel that your health will keep you from qualifying for a traditional medically underwritten policy, there are other options out there, such as a no medical exam life insurance policy or a guaranteed issue policy.

So a 36 year old male with no medications and no history of health issues should be approved at a better health classification than the male, age 36, who applies for guaranteed term life insurance, but has a history of a seizure disorder, just as one example.

This means that there is no blood and urine testing to worry about — and because of the no medical exam process, oftentimes, an applicant who has certain health issues will still be able to qualify for coverage, such as with a guaranteed issue life insurance policy.

Now there are products known as «guaranteed issue» life insurance products that won't ask any medical questions or require a medical exam, however, these types of life insurance products will not cover «natural» causes of death for a certain period of time (typically 2 - 3 years) once the policy goes into force.

If you have serious health problems such as heart disease, cancer, or a history of stroke, you would want to consider a guaranteed issue life insurance policy where no medical exam is required.

On this website, we will predominantly refer to the policy as «guaranteed issue,» «guaranteed acceptance» and «no questions insurance.»

Guaranteed Acceptance Life also known as Guaranteed Issued Life is the easiest type of life insurance to qualify for because there is no medical exam.

But this does not mean that you won't be eligible for «any» type of life insurance, it just means that we'll need to look at some alternative products such as a simplified issue or guaranteed issue life insurance policy or perhaps an accidental death insurance policy.

There are policies that are called «guaranteed issue» life insurance policies which, as long as you are over the age of 40, you should have no problem qualifying for.

You will often hear them referred to as guaranteed issue or guaranteed acceptance burial insurance plans.

A guaranteed issue policy is available to everyone, healthy or not, but the ease of purchase is reflected in higher premiums as compared to term life insurance for the same coverage amount.

This is the same for a guaranteed issue life insurance policy as well.

In addition, the premium that is charged for many types of burial insurance coverage will be locked in and guaranteed not to increase — even as the insured ages, and / or regardless of whether they attain a serious health issue in the future.

That being said, the premium cost of a traditionally underwritten life insurance policy should be compared with a guaranteed issue plan in this particular case, as often the difference in cost can be two — or even three — times higher.