Sentences with phrase «life policy without»

At your child's age 23, they can convert the policy to a $ 100,000 universal life policy WITHOUT EVIDENCE OF INSURABILITY.

Back then, and this is an accurate statement for 2007, I said, «The conversion option that is built into your term policy allows you to convert all or part of your policy to a permanent universal life policy without evidence of insurability.

Similarly, it also allows you to apply for a whole life policy without having to take a life insurance medical exam.

Term Conversion Rider — With the term conversion rider, an insured may convert his or her term life insurance policy over to a permanent life policy without having to provide any evidence of their insurability.

Many term policies carry a conversion privilege that will allow you to covert your term coverage to endowment or a Whole Life policy without a medical examination.

If your term policy is «convertible», you can «convert» or exchange a term policy for a whole life or universal life policy without proof of good health or evidence of insurability.

Conversion — allows insured employees and their dependents to convert their term life insurance to a permanent life policy without evidence of insurability within 31 days of termination from employment.

The good news is that anyone seeking to buy an affordable term life policy without having to complete and insurance exam can still secure a policy up to January 8, 2012.

A conversion clause allows policies to be converting into a permanent life policy without evidence of insurability.

For example, if you have a $ 50,000 convertible term policy, you could convert it into a $ 50,000 permanent life policy without providing health history.

The conversion privilege permits a policyholder to exchange a term policy for a whole life or universal life policy without evidence of insurability.

Additionally, most annual renewable term policies offer a conversion feature that allows you to exchange a term policy for a whole life or universal life policy without proof of health.

Another reason to buy a life policy without an exam is if you have a problem with needles.

Since the money you pay into the policy belongs to you, you can even borrow against your whole life policy without going through a credit check, putting up collateral or any of the hassles associated with ordinary loans.

If their situations change, it is unlikely that they will be able to increase or decrease either the premiums or the death benefits on their whole life policies without surrendering them and purchasing new policies.

You could, however, switch into one of these whole life policies without proving good health, a feature called a «conversion option».

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.

We offer life policies without a medical exam as well.

Not exact matches

«You never want to cancel life insurance without analyzing those questions, because you can't usually recover your policy at the same rate again.»

(a) Schedule 2.7 (a) of the Disclosure Schedule contains a list setting forth each employee benefit plan, program, policy or arrangement (including any «employee benefit plan» as defined in Section 3 (3) of the Employee Retirement Income Security Act of 1974, as amended («ERISA»)(«ERISA Plan»)-RRB-, including, without limitation, employee pension benefit plans, as defined in Section 3 (2) of ERISA, multi-employer plans, as defined in Section 3 (37) of ERISA, employee welfare benefit plans, as defined in Section 3 (1) of ERISA, deferred compensation plans, stock option plans, bonus plans, stock purchase plans, fringe benefit plans, life, hospitalization, disability and other insurance plans, severance or termination pay plans and policies, sick pay plans and vacation plans or arrangements, whether or not an ERISA Plan (including any funding mechanism therefore now in effect or required in the future as a result of the transactions contemplated by this Agreement or otherwise), whether formal or informal, oral or written, under which (i) any current or former employee, director or individual consultant of the Company (collectively, the «Company Employees») has any present or future right to benefits and which are contributed to, sponsored by or maintained by the Company or (ii) the Company or any ERISA Affiliate (as hereinafter defined) has had, has or may have any actual or contingent present or future liability or obligation.

Since guaranteed acceptance policies offer life insurance coverage without health or medical questions, they generally have a two to three year waiting period.

Low fertility, the one - child policy and the cost of raising children in a system without adequate maternity facilities have all caused the birth rate to fall just as more old people are living longer.

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

This means that the policy can not be canceled and the contract provisions can not be changed without your consent, and the premiums can not be raised for the life of the policy as long as you continue to pay your premiums.

But they will also have to learn to live, I suspect, without the earlier neat distinction between monetary policy and financial stability policy.

Compare quotes for term life policies from top A-rated insurance carriers in minutes without providing your email address or phone number.

A convertible policy is simply a term life insurance policy that can be converted into a permanent life insurance policy without the hassle of a new medical exam or underwriting process.

Short term life insurance policies, such as those with 1 - year or 5 - year terms, often have the option of being renewable, meaning that at the end of the term you can purchase the same coverage again without a new application process.

A man who said he was on a «jihad» to avenge U.S. policy in the Middle East has been sentenced to life in prison without parole for killing a college student in New Jersey.

Let's live in the 21st century without ancient myths affecting national policy.

For we begin to be Christians living in the grace of God only if we are honest even when it is no longer the best policy, and we exercise our true apostolate precisely when we appear to be stupid and without much social prestige.

In addition, if you go after polygamists for illegal cohabitation, can you limit such a policy to polygamists, or do you pursue every couple in this state that is living together without benefit of a licensed marriage?

As United States low - intensity - conflict strategy succeeds in making life miserable for all Nicaraguans the press can be expected to report on economic hardship as evidence of the failure of the revolution without describing such hardship as the intent and result of United States policy.

«Jobs and the environment» is a good slogan, but in fact we can not have both economic opportunity and a sustainable environmental policy without a fundamental transformation in some of our ideas about how we are related to one another and what makes life worth living.

Switching to 100 percent cage - free eggs by the end of 2016 is a tremendous commitment that will quickly improve the lives of countless animals and further cement the future of egg production as being one without cages,» said Josh Balk, Senior Food Policy Director, The Humane Society of the United States.

Arlington Heights library officials say one factor in this year «s crowded race is a flap over the board «s short - lived policy of allowing youngsters access to R - rated movies without their parents «consent.

Equitable Life collapsed in 2000, leaving thousands of policy holders without the compensation they had been promised.

When the government decided to make the UK as unpleasant as possible for those without the right to live here, it repeatedly ignored warnings about the harm these policies would cause.

So the difference between the world we live in today and a world without Europe boils down to those policy areas where opponents of Europe wanted to do something different and yet failed to sway a majority of the British parliament.

«I have always lived my life with dignity, integrity and honesty; and I can say without hesitation that I brought those same characteristics everyday when I proposed bills, passed legislation, debated public policy, and fought tooth and nail to protect western New York on the floor of the New York State Senate for the past 38 years.»

After completing a consultation, Tudor Grange Academy, a secondary Academy without a religious character in Solihull, has decided to adopt an admissions policy that priorities pupils who attend a religiously selective Church of England primary school — potentially excluding others who live closer to the Academy.

In a Facebook post, he said» We will continue to be advocates for our unique non-negotiable policies because without them, the standard of living of our people, our quality of life and development will not improve significantly.»

Also at ensuring that the remaining legitimate cattle do not infringe on the farms of the Indigenes to ensure peace, there should be proper animal husbandry policies that will regulate the movement of the cattle so that residents of Agogo can live comfortably on their lands without any fear of being attacked.

This is a policy which has forced married couples to live apart, prevented Brits from returning home once they've lived overseas and forced children to grow up without their mother or father.

A defence policy review under such chairmanship, now without the restraint of a defence spokesman with a different view, makes it even less likely that the moderates still sitting round the shadow cabinet table can ultimately live with the outcome.

«To give young children a fair chance of life success, we need to strengthen basic safety net policies, including Temporary Aid to Needy Families (TANF), expand Medicaid across all states so that parents will not be left in poor health without health coverage, and invest in programs that have proven effective in helping families overcome adversities so their children can thrive.»

The ASHG / NHGRI Genetics and Public Policy Fellowship was without exaggeration a life - changing experience.

Living with host families proved to be a challenge for many, as did living without cell phones — a deliberate policy set by the Living with host families proved to be a challenge for many, as did living without cell phones — a deliberate policy set by the living without cell phones — a deliberate policy set by the staff.

Linden Lab, the company behind Second Life, maintains a policy whereby Residents retain the IP rights to their creations, enabling businesses, nonprofit organizations, and educational institutions to re-create their assets without fear of losing control over them.

Non - Parents / Legal Guardianship: Per district policy, children not living with a birth / adoptive parent can not be enrolled in a Park City School District school without a legal guardian who lives within the district boundaries.