Sentences with phrase «in guaranteed issue coverage»

With up to $ 25,000 in guaranteed issue coverage, some people also call GIWL «no medical exam life insurance».

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.

He cared enough about the issue to study and construct an in depth argument about the many similarities between Romneycare and Obamacare like guaranteed issue, community rating, government - imposed coverage mandates and of course the insurance purchase mandate.

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.

The first limitation of guaranteed issue life insurance is that the insurance isn't in full force until after two full years of coverage.

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.

No benefit is payable under the Guaranteed Issue Life Insurance Plan in the case of suicide, while sane or insane, within two years of the effective date of the coverage.

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.

Some people are really interested in guaranteed issue life insurance because all you have to do to get coverage is answer 4 questions (and only 3 of them matter).

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.

With the guaranteed issue plans, you can get life insurance coverage in a fraction of the time.

If you are in search of something like guaranteed issue life insurance, we can help you find the coverage you deserve.

Requesting an amount of coverage that exceeds the maximum guaranteed issue amount in your plan

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.

In addition to those who have health issues, there are other benefits to guaranteed issue life insurance coverage, too.

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.

Guaranteed issue life insurance policies, will typically be limited to less than $ 25,000 in coverage and will have some unique features to them that are not typically found in more traditional fully underwritten policies.

With this in mind, the face amount of coverage on most guaranteed issue plans is typically small.

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!

If you are in that situation, a guaranteed issue policy is your only path to new coverage.

The price will be higher than the other policy options, but if you are facing a major health crisis and you must get a life insurance policy in place, guaranteed issue life insurance could be your best option to get the coverage you need.

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.

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 futurIn 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 futurin and guaranteed not to increase — even as the insured ages, and / or regardless of whether they attain a serious health issue in the futurin the future.

No benefit is payable under the Guaranteed Issue Life Insurance Plan in the case of suicide, while sane or insane, within two years of the effective date of the coverage.

Guaranteed issue life insurance plans are a unique form of coverage, and they are an excellent option for insurance protection for anyone that has been declined in the past, but in most cases, they should only be used as a last resort for life insurance.

In fact, the only way a dialysis patient can secure coverage is via a guaranteed issue life policy.

Be aware that Medigap plans are only guaranteed issue during the six - month window that starts the month you turn 65 (or when you enroll in Medicare Part B, which might be after you turn 65 if you still had employer - sponsored coverage), and during limited special enrollment periods (there's no annual open enrollment period like there is for Medicare Advantage, Medicare D, and Original Medicare).

Now that coverage is guaranteed - issue in the individual market (just the way it is for employees who are eligible for their employer's health plan), the individual market uses open enrollment and special enrollent periods just like employer - sponsored health insurance.

As you now know, Metlife final expense whole life coverage only comes in one form, and it's a guaranteed issue life policy.

Graded Death and Guaranteed Issue life insurance can be ideal for those with medical complications that may lead to a denial of traditional coverage, while Simplified Issue can be a good fit for those in good health who simply want to avoid a prolonged application process or the need for a medical examination.

While skipping the usual medical exam might seem like you're merely avoiding a time - consuming hassle, simplified issue and guaranteed issue policies often end up costing more in premiums and provide less in coverage.

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

In those cases, you'll need a guaranteed issue policy to secure coverage (see below).

In a number of states only those residents who have a continuous coverage history can purchase Individual Health insurance on a guaranteed issue basis.

Make sure you enroll as soon as you turn 65, in order to get coverage that's guaranteed issue with no premium rate - ups based on your medical history.

Most people who apply for guaranteed issue life insurance are generally not in good health and may have been denied coverage at one time

It's similar to guaranteed issue life insurance in that it's a relatively small coverage amount, but it's more than you'll typically get with guaranteed issue.

Employer - offered life insurance is typically guaranteed issue, which means you can't be denied coverage due to medical issues (except in very special circumstances).

In general, term life insurance provides the most coverage for your money; simplified issue and guaranteed issue both offer lower coverage amounts for high monthly bills.

Guaranteed issue life insurance is unique in that the premium rate stays the same at a fixed «unit price,» but the coverage amount differs:

Prior to 2013, that incentive was the fact that coverage was not guaranteed issue in most states, so people had to enroll while they were healthy — and stay enrolled — in order to avoid being uninsurable if and when they developed a pre-existing condition.

If that's the case, your open enrollment period is determined by the U.S. Department of Health and Human Services, under regulations pertaining to the Affordable Care Act (prior to 2014, there was no such thing as open enrollment for individual health insurance, but insurers in most states could reject applications from people with pre-existing conditions, or charge them higher premiums; coverage is now guaranteed issue, regardless of medical history, but enrollment is limited to open enrollment or special enrollment periods).

But if the ACA's guaranteed issue requirements are not retained, there are two main avenues for covering pre-existing conditions that have been included in most of the proposals put forth over the last few years: high - risk pools or a «continuous coverage» requirement, or both.

(2) Offers to each covered individual, on a guaranteed issue basis, the option to purchase any other individual health insurance coverage currently being offered by the issuer for individuals in that market.

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.

If you have got chronic bronchitis, in addition to other disorders, there is a good possibility that you are not going to qualify for traditional insurance coverage, and you'll have to take into consideration a guaranteed issue policy.

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.