Sentences with phrase «companies guarantee issue coverage»

Such companies guarantee issue coverage.

Let's begin by discussing the companies guaranteed issue coverage.

Not exact matches

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.

Many companies will offer coverage with no waiting period on a guaranteed issue basis for large groups.

When an insurance company issues the SR22 auto insurance policy, it provides a certificate which guarantees the state's Department of Motor Vehicles that the insured has met the state's required minimums of liability coverage and that the DMV will be notified if there is any lapse in coverage.

In fact, AIG Life Insurer Companies guarantee that anyone age 50 - 85 will not be turned down for Guaranteed Issue Whole Life Insurance coverage, regardless of their current health or past medical issues.

With Guaranteed Issue Whole Life insurance coverage at AIG Life Insurer Companies, you'll enjoy all of the following benefits:

If a company only offers guaranteed issue, you have no opportunity to pay a low rate or get coverage that protects you during the first two years.

No medical questions: The company has several policies that are guaranteed issue, with no medical questions to be answered, depending on your age and coverage choice.

Another pitfall of one of these plans is that the insurance company is going to limit you on how much coverage that you can buy with a guaranteed issue life insurance policy.

If you are looking for guaranteed coverage from a reputable life insurance company, then AIG American General's Guaranteed Issue Whole Life policy is a great option for you toguaranteed coverage from a reputable life insurance company, then AIG American General's Guaranteed Issue Whole Life policy is a great option for you toGuaranteed Issue Whole Life policy is a great option for you to consider.

Under such circumstances, some insurance companies offer a guaranteed issue version of their short term health insurance, which will not cover the medical conditions for which you were declined standard coverage.

In general, most guaranteed issue companies won't allow you to buy more than $ 25,000 in coverage.

Guaranteed issue means that you can not be declined for coverage if the answers to the health questions are within the company's guidelines.

Insurance companies have offered policies without a medical exam before, but they were usually guaranteed - issue policies with limited coverage.

However, each of the 5 companies below has reasonable quotes and a strong range of coverage options for their guaranteed issue policies.

Rates current as of 12/20/2016 for a Guaranteed 10 year term - life policy, $ 250,000 in coverage issued at each company's best - published rates.

Often life insurance companies will want to wait to give you coverage until the dust settles so it can be a good idea to get a guaranteed issue policy in the in between time.

The other caps are associated with age because most guaranteed issue life insurance companies will only give you coverage if you are between ages 40 to 70.

For the rest, we have multiple guaranteed issue companies that guarantee coverage no matter what.

Because there are not any medical exam results to review by the insurance company's underwriters with a no medical exam or a guarantee issue policy, this type of coverage can often be approved and issued much more quickly than a medically underwritten plan — in fact, in some instances, these policies can be issued within just a few days, or even on the same day of application.

One way American General Life Insurance Company, an AIG member company, can help ensure your family's financial safety is with Guaranteed Issue Whole Life Insurance coCompany, an AIG member company, can help ensure your family's financial safety is with Guaranteed Issue Whole Life Insurance cocompany, can help ensure your family's financial safety is with Guaranteed Issue Whole Life Insurance coverage.

Health insurance sold on the health insurance exchanges created by the Affordable Care Act is guaranteed issue, meaning a health insurance company can't refuse to sell you health insurance coverage as long as you're applying for that coverage during the annual open enrollment period.

This type of coverage is guaranteed in terms of the death benefit amount, regardless of the insured's increasing age, and whether or not the insured contracts a health issue — and, the cash value will grow at a set interest rate that is set by the insurance company.

After you reach 80, the majority of life insurance companies will no longer extend coverage even for guaranteed issue.

However, we do work with guaranteed issue life insurance companies that will offer coverage for any medical conditions.

In the event that you are uninsurable, a company that deals with high or impaired risk policies may be willing to offer you guaranteed issue life insurance coverage.

Vantis Life Insurance Company offers you guaranteed issue life insurance coverage for your entire lifetime with no health exam and no health questions asked.

$ 25,000 is the top amount of guaranteed issue coverage offered by most life insurance companies.

These companies offer life insurance to people who would otherwise be uninsurable, so in order to stay in business and be profitable, guaranteed issue policies have mandatory waiting periods where they do not offer full coverage for the first two years of the policy.

And since the companies represented are able to provide a number of life insurance options, including various levels of term life insurance, whole life insurance, guaranteed issue life insurance and more, these comparison websites make it easy to shop for any type of coverage.

If you have current medical conditions that might otherwise make it difficult to obtain standard coverage, then Guaranteed Issue Life Insurance Companies offer policies that address this iIssue Life Insurance Companies offer policies that address this issueissue.

For example, if an insurance company will only allow you to purchase $ 25,000 dollars in coverage from them, theoretically you should be able to purchase their policy, then proceed to apply for coverage with another company who also offers a guaranteed issue life insurance policy as well.

That if you have been diagnosed with Hypertrophic cardiomyopathy before the age of 40, most if not all, life insurance companies are going to deny you coverage for a traditional term or whole life insurance policy, in which case one will need to pursue a guaranteed issue or simplified issue life insurance policy if they are still interested in purchasing a life insurance policy.

The graded death benefit is what allows insurance companies to offer a guaranteed issue life insurance policy and it's also what makes offering coverage to those who wouldn't otherwise be eligible now have a chance at purchasing coverage!

In fact, most guaranteed issue life insurance policies will only provide up to about $ 25,000 dollars in coverage which will automatically limit an insurance company's exposure to risk.

We've heard of people applying with more than one company, but generally, $ 25,000 is the maximum amount of guaranteed issue coverage available.

If you do not qualify for coverage with a traditional company, there may be companies that will issue a policy on a «guaranteed issue» basis.

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.

NEA Guaranteed Issue Life coverage is issued by The Prudential Insurance Company of America, Newark, NJ.

That's how an insurance company can guarantee your approval for coverage, because they may end up insuring people who have major health issues and may likely pass away in less than a couple years.

Supporters of these mechanisms believe that a more robust system of State ‐ based risk pools could offer coverage to all medically uninsurable individuals, without the adverse market effects connected with a requirement that insurance companies accept all applicants (see Guaranteed Issue above).