New life insurance policy

TRAVEL ADVISORY; Travel Plans Affect Life Insurance Policies - The New York Times

Travelers planning trips to risky areas may find it more difficult to get a new life insurance policy. Some underwriters will not issue new policies to people planning to visit countries for which the State Department has issued a travel warning, recommending that Americans defer nonessential travel there. This situation was reported in Business Week this month. As of Dec. 10, there were 27 countries on that list, including Israel, Indonesia, Kenya, Turkey and Nepal. Rebecca Hirsch, a spokeswoman for Allstate, said applications for new life insurance policies typically asked if the applicant has plans to travel outside of the United States in the next two years, and, if so, where. ''If you...

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Life Guard Insurance - Life Insurance with Living Benefits

The new plans are called Living Benefit, Quality of Life, or simply, The New Life Insurance plans. In a nutshell, you no longer have to die to use them. The new benefits can be activated by several maladies that can profoundly affect you, and your bank account, while you're still alive. With older plans, if you suffered from a covered malady that wasn't life-threatening, you may be out several thousand in co-pays, deductibles, non-covered medications, out-of-network medical expenses, potential travel, and your normal bills. At that point, your current policy may become useless, just another nagging payment or worse; suddenly unaffordable. For the first time, invasive cancer, heart attack,...

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New York Life Insurance - Life Ant

New York residents seeking to purchase a life insurance policy should educate themselves on the laws unique to their state. In the United States, the life insurance industry is regulated on the state level. Therefore, New York, like every other state in the country, has its own set of rules and regulations that protect not only the consumer, but the insurers as well. Life Insurance Rules And Rights In New York Article 32 of the New York Consolidated Law lays out the groundwork for life insurance regulation in the state. While we do not expect everybody purchasing a life insurance policy in the state of New York to memorize the fine print of this piece of legislation, there a certainly a...

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