How a No Physical Life Insurance Policy Can Help You Obtain Coverage within Minutes For many people, the need for a good insurance policy is an immediate one. If you cannot wait the usual processing time to get a policy into place, you do have options. A no physical life insurance policy may be the answer. It bypasses some of the steps that are normally taken, and usually gets you covered within minutes. With Spectrum Direct, getting your no physical life insurance policy is a quick and easy process, done electronically at our site. There are no forms to fill out and only a short questionnaire to complete. Through our affiliation with American Life Direct, we can bring our customers the...
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Health insurance providers in the Cayman Islands that previously did not cover medical cannabis are now reviewing their positions, according to the leader of Cayman’s health insurance advisory group. Cayman Islands Insurance Association Health Insurance Standing Committee Chairman Annikki Brown told the Cayman Compass that local insurers recently received guidance from Chief Medical Officer Dr. John Lee based on guidelines out of the United Kingdom. “Now that we have this, cannabis should be covered in accordance with these guidelines,” Brown said. Three insurance companies – Generali, Pan-American Life Insurance Group and CINICO – have covered medical cannabis prescriptions to date. Five...
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Airtel Partners With Bharti AXA Life, Offers Prepaid Plan With Rs 4 Lakh Insurance Cover Bharti Airtel has partnered with and Bharti AXA Life Insurance to leverage the deep penetration of mobile services and financial security in India. Airtel today launched an innovative Rs. 599 pre-paid bundle with 2GB data/day, that offers unlimited calls to any network and 100 SMS/day, and Rs Four lakh life insurance cover from Bharti AXA Life Insurance. The recharge comes with a validity of 84 days and the insurance cover continues automatically for three months with every recharge. As per IRDAI, insurance penetration in India is less than 4% of the population while mobile penetration is close to 90...
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If you are familiar with the process for buying life insurance, you may be aware that most insurance companies require the insured to pass a medical exam before coverage goes into effect. This exam usually takes place in the applicant's home, but you may request it to be completed in any private location. During the exam, your blood pressure, weight and height will be reviewed. Blood and urine samples will also be completed. In many instances, this entire exam only takes a few minutes of your time. However, there are many reasons why you may not want to get a physical exam when you apply for new life insurance coverage. Regardless of the reason why you do not want a medical exam, an...
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Basics of No Physical Life Insurance No Physical Life Insurance is meant for the senior people who are suffering from any kind of ailment and who most probably would not qualify for any other kind of life insurance which could make it difficult from them to pay for final expenses and burial costs. No Physical Life Insurance renders you with a path to procure the financial future of one's family. It is a big relief that the premium you yield will not be grounded on your health condition. Even if you are not a senior citizen and also not suffering from poor health, it could perhaps be an effective option for you if you work in risky jobs (military, police, and fire department). It can be...
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If you need life insurance for an elderly parent over 80, or you are a senior in your 80’s looking for life insurance, this guide is for you! How life insurance can help someone in their 80’s. What types of life insurance are available at 80 years old. Rates for no medical exam, guaranteed issue life insurance. The life insurance companies who will insure people over 80. Below we will help you decide if life insurance is a good investment at this age range, and what to do next. Why Get Life Insurance for Seniors Over 80? Before we dive into the nitty-gritty of purchasing a policy in your 80’s, let’s first discuss if you should get a life insurance policy at this age. If you have...
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AN insurance company uses the information given by a potential policyholder when coming up with an insurance policy contract. This information about the person or the situation of a property being insured is called material facts. Such information is used to assess the degree of risk which will help the insurance company in deciding whether to consider the risk or not, and if so, how much premium it should charge. The insured does not have to share or provide his or her personal data, only those that can affect his or her decision to obtain an insurance contract, especially those that relate to physical or moral hazards. On the part of the insurance company, information is deemed relevant...
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The Logic Behind Term Life Insurance with No Health Questions As people enroll in life coverage, they often have to go through a long drawn out process which involves medical exams and a lot of paper work. In the midst of all this, people do not realize that there are policies available such as term life insurance with no health questions, where one does not have to go through medical examination. Some policies require an applicant to be in perfect health at the time of issuance of the coverage. The insurance company wants to makes sure that the applicant does not pose any risk to the company. Many people live with the uncertainty that they may not be accepted as they may not be able to...
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3D printing, while still a developing technology, has immense potential for helping small businesses. From creating custom items to marketing and design, 3D printing offers a number of benefits in terms of efficiency and establishing connections that make the purchase of a 3D printer viable. To find out what small businesses can do to efficiently leverage 3D printing services — and what challenges teams may face when doing so — I asked a panel of YEC entrepreneurs the following: What is one thing small businesses could be doing to tap into 3D printing? Why would this approach be effective? What could go wrong? Many businesses that operate online sell services instead of physical products....
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Simplified Issue Life Insurance Simplified Issue Life Insurance Simplified Issue Life Insurance policies don’t require a medical exam as part of the application process. Traditional Term Life Insurance and Permanent Life Insurance policies require a medical exam in order to determine how much risk the insurance company takes on by issuing you a policy. When applying for Simplified Issue Life Insurance, you don’t have to worry about this requirement. Simplified Issue Life Insurance policies typically require answers to a few general health questions. Issuance of the policy may depend upon answers to the health questions set forth in the application. Guaranteed Acceptance Life Insurance...
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