Sentences with phrase «on simplified issue policies»

There are series of questions on simplified issue policies.

Unlike many of the other types of no medical exam life insurance coverage, the amount of death benefit that can be purchased on a simplified issue policy can usually be as high as $ 400,000.

Not exact matches

I haven't yet read it, but when I'm trying to simplify complex issues for this blog, I often consult Nestle's straightforward commentary on food policy over at The Atlantic.

In response to Banner questions on why unified enrollment was necessary, given the availability of a common charter application, a Boston Compact spokesperson issued a statement attributed to collaboration officer Rachel Weinstein that said that unified enrollment is meant to simplify enrollment and application processes, create consistent enrollment policies and procedures across district and charter schools and provide Boston students with «fairer access to high quality schools.»

But within that framework are different types of life insurance policies, ranging from fully underwritten, to automated accelerated underwriting, no exam, simplified issue, on down the line to guaranteed issue.

For a healthy person, we don't recommend simplified issue policies since you'll pay more for the same coverage, since the insurer is taking on greater risk.

The face amounts available for these plans is growing as the market evolves, and it is not uncommon to be able to issue $ 500,000, or even $ 1,000,000 policies on a simplified issue basis.

Some Final Expense policies are underwritten on a guaranteed or simplified issue basis.

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

The face amounts available for these plans is growing as the market evolves, and it is not uncommon to be able to issue $ 500,000, or even $ 1,000,000 policies on a simplified issue basis.

Some Final Expense policies are underwritten on a guaranteed or simplified issue basis.

Simplified issue life insurance policies also protect you from things you may not know are going on within your body.

Typically available in smaller amounts, most will push as far as $ 50,000, a simplified issue insurance critical illness insurance policy means that the underwriting requirements are less stringent as they would be on a fully underwritten policy.

These smaller face value whole life policies are issued on in a very simplified way.

So, in cases like these, a life insurance applicant thought they would save some money on their insurance by going with a fully underwritten life insurance policy, only to find out that getting life insurance is much more expensive than if they had gone with the simplified issue life insurance.

If you want $ 50,000 of coverage on a simplified insurance plan as a heavy smoker who has a history of heart issues in the family, you provide a larger risk to somebody who wants $ 50,000 of coverage on a fully underwritten policy and with perfect health.

Most mortgage protection insurance companies place more emphasis on agents writing simplified issue, versus fully underwritten mortgage protection policies.

Most term policies through work are on a simplified or even guaranteed issue basis, meaning there's no medical and limited or no health questions to answer.

And because time is money, many insurance agents will push simplified issue policies on you, regardless of whether you are healthy, or unhealthy.

Burial insurance policies are always done on a simplified issue basis.

Like all life insurance policies, simplified issue life insurance can be customized to meet a policyholder's needs with add - on features called riders.

For this reason and this reason alone, it is usually best to try to first find a simplified or fully underwritten life insurance policy first, and then if none are available, move on to a guaranteed issue policy as a last resort (preferably one that has a short graded death benefit period).

Simplified issue — While they don't require a medical exam, simplified issue policies ask about health history on the apSimplified issue — While they don't require a medical exam, simplified issue policies ask about health history on the apsimplified issue policies ask about health history on the application.

The Safe Harbor Term Life Express policy is a simplified issue product that gives an immediate decision on approval for same day coverage.

For a healthy person, we don't recommend simplified issue policies since you'll pay more for the same coverage, since the insurer is taking on greater risk.

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

Firstly, the company I work for is focusing on selling simplified issue whole life insurance policies.

Simplified issue is a great choice if you haven't visited your doctor in a while and sometimes it's better to take a no exam policy than having to risk getting denied on a fully underwritten policy.

For instance, a simplified issue policy will still require that an applicant provides health - related information on the application for the coverage.

Globe Life focuses on «simplified issue» policies for adults and children.

Major insurance providers, such as MetLife, TransAmerica, and Amica, offer simplified - issue term life insurance policies on the web or by telephone, and Prudential offers some life insurance policies at many banks.

This is because, most simplified issue life insurance policies, in addition to not requiring one to take a medical exam will often not request medical records from your primary doctor, which means that underwriters reviewing your simplified issue life insurance application will have less information to base their decision on.

Instead, simplified issue life insurance policies, will simply rely on information collected from:

With Assurity's Simplified Issues Life Insurance Policy, the amount of benefit that can be obtained will be based on the health - related questions that are asked on the application for coverage.

Typically, the face amount on a simplified policy will be lower than that of a more «traditionally» issued plan.

The cost of a senior burial insurance policy will depend on certain factors depending on the policy type you choose (simplified issue or guaranteed issue).

The questions that are typically included on the application for a simplified issue life insurance policy may be as follows:

The reason being: Insurance companies will often error on the side of caution when it comes to insuring someone with a simplified issue life insurance policy unless everything comes back perfect because of the limited information the company has to work with!

• Simplified Issue Life Insurance Policy: While a medical examination is not required, the policy's benefits are based on a health questionnaire about your medical hiPolicy: While a medical examination is not required, the policy's benefits are based on a health questionnaire about your medical hipolicy's benefits are based on a health questionnaire about your medical history.

However, there are two policies that are more popular than the rest and perhaps even more beneficial than the rest (depending on your needs)-- guaranteed issue and simplified issue final expense insurance.

Usually call a simplified issue policy, it relies on the application and information from the medical information bureau.

- Improved support for Motorola Moto G Dual SIM: — QS: adjusted network mode tile (allows changing SIM slot on long - press)-- QS: adjusted handling and reordering of cellular tiles — QS: proper adjustment of signal tile size for tiles per row option — Signal cluster adjustments, including icon coloring (NOTE: cell signal doesn't support data activity indicators)-- fixed Smart radio — all other misc Multi SIM related adjustments - Quick settings: — revived Ringer Mode Tile (silent == priority)(thanks to romracer)-- revived USB Tethering Tile — fixed other misc issues in tile management (thanks to romracer)- BatteryBar: improved behavior in lock screen status bar (now allows bottom position)- ProgressBar: improved behavior in lock screen status bar (now allows bottom position)- Phone: — added workaround for missed calls notification LED — added 5s ramp - up duration for ascending ringtone - Ultimate notification control: — fixed issues causing unexpected heads up and notification icon «jumping» — show package names in app descriptions for better identification of packages having the same app name - Power: improved option for low battery warning policy - Navigation bar: improved handling of cursor control keys - Recents: added option for using alternate icon for clear all button - Fixed unexpected disappearing of centered clock and centered traffic monitor - Other misc Motorola specific fixes (thanks to romracer)- Updated Japanese translations (thanks to WedyDQ10)- Updated French translations (thanks to ch - vox)- Updated Hungarian translations (thanks to benjoe1)- Updated Chinese (Simplified) translations (thanks to liveasx)- Updated Portuguese (BR) translations (thanks to wyghor, KingKaminari)- Updated Russian translations (thanks to gaich)- Updated Chinese (Traditional) translations (thanks to PeterDaveHello)- Updated Malay translations (thanks to zamzameir)

How do I handle requests for such references?Thank you so much for your help!CherylCHERYL M. EARLE3407 Old Dobbin Road, Montgomery, Alabama 36116 - 1903Home Phone: [phone] Cell Phone: [phone] Fax: [phone] E-mail: [email protected] position managing legal discovery and document review with opportunity to assist attorneys with civil litigationBAR ADMISSIONAlabama State Bar, 1999LAW - RELATED EXPERIENCELaw Firm, AlabamaResearch Attorney for Special Projects, Mass Torts Department, November 2001 — February 2008 • Managed Multi-District Litigation (MDL) Document Depository (September 2002 to February 2008) o Reviewed more than 1 million pages of evidentiary documents for litigation purposes and for inclusion in electronic databaseso Coordinated document review assignments with attorneys at local depository and at other sites across the USo Retrieved, reviewed and coded documents in Concordance and Summation legal databaseso Prepared memoranda and spreadsheets providing detailed analysis of discovery materials • Aided attorneys and support staff with processing and preparation of personal injury claims and litigationo Conducted legal research and drafted pleadingso Conducted supplementary online research for additional documents and information pertinent to litigationo Assisted with preparation of correspondence to clients and referring attorneyso Contacted clients for additional information needed in case preparation, litigation, and potential settlementso Prepared and input case intakes and referrals into databaseLaw School, AlabamaStudent Intern, Alabama Disabilities Advocacy Program (ADAP), August 1996 — June 1997 • Participated in law school clinical program under third - year law student practice rule (as authorized by Alabama Supreme Court) o Assisted attorneys and advocates in cases involving mentally ill patients confined to state mental health facilitieso Interviewed clients in person (at state facilities) and over the phoneo Worked with clients, attorneys, and social workers to investigate and resolve issues concerning involuntary confinement and treatmento Aided in legal research on an appellate brief submitted to the U. S. Court of Appeals for the Eleventh Circuit (ruling granted in favor of our client) Faculty Research Assistant for Library Services, Bounds Law Library, March 1996 — June 1997 • Prepared research and teaching materials for law school faculty; worked 20 hours per week while matriculating 10 - 15 hours per semester) o Investigated copyright issues related to procuring and reproducing texts for academic useo Conducted legal research using WESTLAW, LEXIS and the InternetADDITIONAL RELEVANT EXPERIENCEManufacturing Company (MC), Montgomery, AlabamaAdministrative Assistant and Cost Analyst, Materials Purchasing Department, April 1999 — September 2001 • Assisted materials buyers in negotiating and preparing commodities contracts between raw materials suppliers and MC for manufacturing plants in the US and Mexicoo Assisted Legal Department at MC's corporate headquarters with coordination and preparation of documents for litigationo Notified and educated suppliers about MC's freight - on - board policy and its corresponding Uniform Commercial Code (UCC) provisions; result was the reduction of freight claims for both the company and its supplierso Prepared contracts and purchase orders for raw materials and capital projects involving plant maintenanceo Solicited price quotations from current vendors and established Excel spreadsheet format which simplified quote submission process and allowed MC to track and compare usage volumes and costs over timeo Prepared and analyzed cost reports used by materials buyers and production planners in purchasing decisions, including cost reductions, materials consolidation, and selection of vendorso Acted as liaison between vendors and the Purchasing, Transportation and Accounting Departments on issues concerning inbound freight, commercial carriers, and payment terms for commodities, resulting in reductions in freight costs and greater payment discounts for raw materialso Established online databases and printed directories for the Purchasing Department, allowing buyers to have easier and faster access to current vendor informationo Completed Year 2000 (Y2K) compliance project, which involved data collection and communication with MC's past, present, and potential materials suppliers and service providersNot - For - Profit Organization, AlabamaAdministrative Assistant, Combined Federal Campaign, September 1998 — January 1999 • Aided Campaign Director with 1998 Federal Campaigns (CFCs) in City 1 and City 2, which together generated nearly $ 700,000 for more than 1,000 local, national and international charitieso Prepared weekly reports on donations using WordPerfect, Microsoft Word, Excel and dBase IVo Wrote script for Talent Showcase at City 1's 1998 CFC Kickoffo Assisted Director with merger of the City 1 and City 2 CFCs in 1999Regional Bank, AlabamaAdministrative Assistant, Year 2000 (Y2K) Department, March — June 1998 • Worked with Vice President of Corporate Projects on short - term project for the bank's Y2K Departmento Analyzed and processed data on Y2K readiness for all branches of Bank throughout the southeastern USo Organized meetings for personnel of Banko Communicated with vendors of computer hardware, software, and office equipment to request information on Y2K complianceo Prepared compliance files for Federal Reserve auditso Prepared in - house memoranda and reports using Microsoft Word and ExcelRecord / Music Promotion Company, AlabamaRecord Pool Co-Founder; Office Manager, September 1990 — December 1991 • Co-founded record pool to enhance promotion of music in Alabama and the southeastern USo Procured and distributed records from major and independent labels for club, radio and mobile disc jockeyso Coordinated jointly sponsored promotional events with record companies, radio stations and clubso Designed, wrote, and published bi-weekly reports and brochures to inform the music industry of the progress and popularity of music and performers in the region, with specific focus on the Alabama music sceneMajor University, AlabamaGraduate Research Assistant, AUM Department of Marketing, June 1989 — August 1990 • Worked 13 - 20 hours per week as a research assistant to Marketing faculty while carrying a full course load in the MBA programo Analyzed consumer surveys used in academic researcho Assisted Conference Chairperson with coordination for Atlantic Marketing Association (AMA) annual meeting (October 1989) o Co-authored five - year index and classification of AMA Proceedings (published Fall 1991) EDUCATIONLaw School, AlabamaJuris Doctor (JD), 1997 • Scholarshipso Seybourn H. Lynne Scholarship, 1996 - 97o Dexter C. Hobbs Memorial Scholarship, 1995 - 96o E. W. Godbey Memorial Scholarship, 1994 - 95 • Honorso Who's Who Among American Law School Students, 1996 - 94o Arthur Davis Shores Award, 1997 • Activitieso Frederick Douglass Moot Court Team Manager, 1996 - 97 Southern Regional Competition, Second Place National Competition, Eighth Placeo John A. Campbell Moot Court Competition, Spring 1996o Black Law Students Association Delegate, BLSA National Convention, 1997 Co-Chairperson, Public Relations Committee, 1996 - 97 Chairperson, Public Relations Committee, 1995 - 96 BLSA President's Award, 1996 and 1997o American Bar Association, 1996 - 97 Entertainment and Sports Industries Forum Intellectual Property Section Law Student Divisiono LAWS Student Group Leader, 1995 - 96Major University, AlabamaMaster of Business Administration (MBA), 1990Bachelor of Science in Business Administration (B.S.B.A.), 1988 (Major: Marketing — Advertising and Promotion Track) • Honorso Dean's List • Activitieso National Student Advertising Competition Team, 1988 - 90 Seventh District Competition: Third Place, 1990o Marketing Club, 1987 - 90 Vice President — Career Development, 1988 - 89o Public Relations / Advertising (PR / AD) Club, 1988 - 90 Charter Member, 1988 Active in fund - raising and membership driveso Theater Guild, 1988 - 90 Screening Committee, 1989REFERENCESAvailable upon request