Sentences with phrase «for guaranteed issue coverage»

If you're between 50 and 80 years old, you can be accepted for guaranteed issue coverage regardless of your health.

Qualified individuals are eligible for guaranteed issue coverage without medical underwriting or preexisting condition waiting periods.

If you're between 50 and 80 years old, you can be accepted for guaranteed issue coverage regardless of your health.

Not exact matches

I think one key issue is to have guaranteed coverage for the 47 million people who have no health insurance.

If you want final expense insurance and are unable to qualify for traditional coverage, simplified issue whole life insurance will be less expensive than a guaranteed acceptance policy.

Guaranteed issue policies are only available for whole life insurance and coverage is typically limited to less than $ 25,000.

Therefore, guaranteed issue premiums are even higher, but it's a good alternative if you're unable to qualify for no medical exam coverage.

If you're unable to qualify for a fully underwritten or simplified issue life insurance policy but still need coverage, guaranteed acceptance whole life insurance is always an option.

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.

This all but guarantees media coverage for the issue and opens a line of dialogue direct to Number 10, which will duly put pressure on government departments to respond.

Guaranteed issue confinement care coverage is typically attached to an income rider, with a provision to double that income for a certain period if you can not perform two of the six types of daily function.

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

Guaranteed issue policies are only available for whole life insurance and coverage is typically limited to less than $ 25,000.

If you want final expense insurance and are unable to qualify for traditional coverage, simplified issue whole life insurance will be less expensive than a guaranteed acceptance policy.

If you do not qualify for a fully underwritten life insurance policy, a guaranteed issue policy may help you get the coverage you need.

One option for those looking for instant life insurance coverage is to purchase a guaranteed issue policy.

If you're a Canadian resident between 40 - 75, Guaranteed Issue Life Insurance guarantees your acceptance for coverage, regardless of your health history.

If your parents are over the age 75, a permanent life insurance policy or guaranteed issue policy may be your best option if you're looking for lifelong coverage.

If you're unable to qualify for a fully underwritten or simplified issue life insurance policy but still need coverage, guaranteed acceptance whole life insurance is always an option.

While guaranteed issue life insurance is ideal for people whose health disqualifies them from coverage under a more traditional policy, don't assume this is the case in your situation.

The combined total for existing Guaranteed Issue Life coverage and the amount selected above must not exceed $ 25,000.

Prior to January 1, 2014, when guaranteed issue of insurance coverage, elimination of preexisting condition exclusions, and several other critical ACA protections took effect for individual health insurance coverage, early retirees between ages 55 and 64 often faced difficulties obtaining insurance in the individual market because of age or chronic conditions that made coverage unaffordable or inaccessible.

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

This could limit your options to a guaranteed issue policy which would provide coverage for burial costs and other final expenses.

If you say «yes» to any of these conditions, then guaranteed issue life insurance will be your only option for coverage.

If your diabetes isn't controlled, you may have to look at a guaranteed issue life insurance policy which often comes with much higher premiums for your coverage with a lower total death benefit.

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.

When it comes to cheap final expense insurance or burial insurance for seniors, Gerber's Guaranteed Issue Whole Life policy is ideal for people between the ages of 50 - 80 who are needing $ 5,000 to $ 25,000 in coverage with no blood draws and no medical exams.

A no medical exam life insurance policy will have more options for higher dollar coverage (one of the best options for Type 2 diabetics); however, a guaranteed issue policy may limit you to $ 10k in coverage.

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.

5) Guaranteed Issue policies are not available for large amounts of coverage.

Guaranteed issue plans are an excellent option for coverage, but these plans are perfect for everyone.

Those who are declared uninsurable or who can not afford or do not want to pay the higher rates associated with a higher risk status can opt for no - medical exam coverage, or guaranteed issue life insurance.

In many instances, guaranteed issue life insurance will only have just a few questions to answer on the application for coverage — and, because there are no medical underwriting requirements to contend with on the policy, these plans can typically be issued within just a few days.

For some, «guaranteed issue» and «guaranteed acceptance» individual life insurance may be the only way to acquire coverage.

However, they may qualify for coverage through a guaranteed issue plan.

Guaranteed issue policies also have an initial waiting period, but are «guaranteed issue» — meaning anyone can qualify forGuaranteed issue policies also have an initial waiting period, but are «guaranteed issue» — meaning anyone can qualify forguaranteed issue» — meaning anyone can qualify for coverage.

Look no further than this 100 year old, triple «A» rated carrier to meet your needs for both fully underwritten life insurance, and guaranteed issue coverage.

Below you will see a side by side comparison of Colonial Penn insurance rates for their Guaranteed Issue life coverage right next to Gerber Life and AIG.

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.

How do you know if these guaranteed issue policies are enough coverage for you and your family?

Even if you've been turned down for coverage or think you're uninsurable because of some health conditions, we have some options — including guaranteed issue life insurance options.

A graded benefit or guaranteed benefit policy is appropriate for someone with a serious health issue that would otherwise not qualify for any type of coverage.

This is because if you're only looking for about $ 25,000 dollars in life insurance coverage, and you're over the age of 45, there's a really good chance that we might just be able to immediately look at some of the guaranteed issue life insurance products that are available today and simply avoid having to ask any additional health related questions!

A final expense policy is designed for the exact same type of coverage needs as guaranteed issue.

Additionally, you can also qualify for a Guaranteed Issue policy which does not require medical tests and a health questionnaire, but the coverage amounts are much lower.

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.

If your health is not optimal, and you had to apply for a «graded benefit life insurance» policy or a «guaranteed issue life insurance» policy, then there may be a waiting period for your guaranteed coverage to begin.

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.

With Guaranteed Issue Whole Life Insurance, if you're age 50 - 85, you can't be turned down for health reasons, and you can receive permanent life insurance without having to qualify for coverage based on your health.