Sentences with phrase «simplified issue policy which»

Sometimes people want to eliminate the Para-Med visit with the blood test and elect to have a simplified issue policy which could be approved within 24 - 48 hours.

This is a simplified issue policy which means no exam required and also no Attending Physician Statement (APS) necessary.

If you are between ages 15 to 65 years of age you might want to consider Sagicor's simplified issue policy which does not require a medical exam.

However, you can also find additional no exam simplified issue policies which will ask only a few questions without the background check.

Not exact matches

Additionally, you may also be eligible for a simplified issue life insurance policy which would allow you to obtain a quality term or whole life insurance policy without needing to take a medical exam!

National Western does have quite a few different whole life policies, all of which are simplified issue.

Simplified issue life insurance is a type of «no exam policy,» which means you don't have to get a medical exam during the application process.

If you would rather avoid the medical exam that normally takes place to set your premium rates, you can opt for a No Medical Exam policy, such as an Accelerated Underwriting or Simplified Issue policy, which allow qualified applicants to skip the medical exam.

Some older life insurance shoppers might look at simplified issue or guaranteed issue life insurance policies, which don't require a medical exam, because they're afraid a traditional life insurance policy will be too expensive.

The Simplified Issue plan is considered the preferable option by most and it's associated with lower costs which gives an affordable burial insurance policy.

Simplified issue life insurance which is also referred to as Non-Med policies can be approved in 24 - 48 hours.

Want to consider the possibility of applying for a simplified issue term or whole life insurance policy which would allow you to qualify for a life insurance policy without the need of taking a medical exam.

This policy is also a form of simplified issue which means:

If you are in good health don't purchase a simplified issue policy otherwise known as a Non-Med policy which means no Paramed nurse coming over for the dreaded blood sample and minor physical examination.

A Simplified Issue Life Insurance Policy will be offered if your answers to certain questions fit the underwriting guidelines of the insurance company to which you are applying for coverage.

As opposed to applying for a simplified issue life insurance policy which wouldn't require an individual to take a medical exam.

This product is a simplified issue which means that the company will require you to answer some health and lifestyle questions but doesn't require you to take a medical exam which is what makes them one of the fastest online life insurance policies out there.

Simplified issue policies like Globe's generally cost healthy people more than standard life insurance policies, which often require medical exams and charge rates that factor in health status.

When you work with an agent to get a whole life insurance policy, you can choose between a guaranteed issue plan or a simplified underwriting policy, which will require a few health questions.

The policies are created as simplified issue which means you only fill out a short application and no trip to a physician is required.

One alternative for someone who has a health complication which can prevent him or her from getting a traditional policy is to go with a simplified issue life insurance policy.

It's possible with a simplified issue final expense policy, which offers greater coverage amounts, has no graded period and is oftentimes more affordable.

Many are able to qualify for a simplified issue life insurance policy instead, which Great Western offers.

You can learn more here about No Exam Simplified Issue policies, in addition to which life insurance companies offer this coverage.

We will typically advise them to apply for a traditional term or whole life insurance policy once they have had a pacemaker installed or possible consider a guaranteed issue or simplified issue life insurance policy which will not require them to take a medical exam or perhaps answer any health - related questions to be approved for coverage.

Now we ask these two questions first 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 you might be eligible for what is called a guaranteed issue life insurance policy which would immediately simplify matters since we wouldn't need to ask any additional questions regarding your health!

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.

There are some types of ALTERNATIVE life insurance products, mainly guaranteed acceptance or simplified issue life insurance policies which will ask very few, if any, heath related questions or require that an applicant take a medical exam in order to qualify.

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.

Additionally, individuals with only one or two incidences of being diagnosed with a basal cell carcinoma may also want to consider applying for a simplified issue life insurance policy which would potentially allow one to qualify for coverage in less than 48 hours!

If you're seeking a simplified issue policy, — for which only a medical questionnaire is required, rather than a full exam — a wider range of death benefits are typically offered for simplified issue guaranteed universal policies than for simplified issue whole life insurance (which typically have a maximum face value of around $ 50,000).

Unlike simplified issue term life insurance which offers pure death benefit only, a simplified universal life (UL) policy will provide the policyholder with both death benefit protection, as well as a cash value component.

There isn't the same type of in - depth analysis that comes with a term life insurance policy, which makes it a form of simplified issue life insurance.

The policies are either simplified issue, which require some health questions, or guaranteed issue which require no health questions.

Here at JustBuryMe, because we not only offer guaranteed issue life insurance policies which are a great option for taking care of one's final expenses, we also offer a full range of fully underwritten and simplified issue life insurance policies which is why we're currently working with several dozen different life insurance companies to ensure that we can meet the needs of any of our clients.

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