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Life Insurance:
What does a life insurance
application process involve?
Sample case:
Once you select an insurance company and rate, you then can request an
application by filling out an application request form.
Once you request the insurance application, a licensed agent from insurance
brokerage will contact you and set up a convenient appointment for a no-charge
physical exam. The physical exam can take place in your home or office,
and is performed by a medical professional at no cost to you (the insurance
company pays for the exam).
Upon completion of the application and physical exam, the insurance brokerage
will submit the information to the underwriting insurance company. Four
to eight weeks are required for the life insurance company to underwrite
and issue the policy.
What is Term life insurance?
Term life insurance is life insurance coverage at a guaranteed rate for
a specified period of time. (Example: 30 year level term would guarantee
a level premium for 30 years based on a specified death benefit). Term
life insurance is usually the least expensive form of life coverage.
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Credit Cards:
What is APR?
APR is the Annual Percentage Rate. The APR is a measure of the cost of
credit, expressed as a yearly rate. When the rate is tied to an economic
index that changes, it is called a "variable rate." If it is
does not change, it is called a "fixed rate."
I have a card, how can I protect it?
- Report lost or stolen cards immediately.
- Sign your card on the back signature panel.
- Don't leave your credit cards in the glove compartment of your car.
Many thefts occur from glove compartments.
- Never write down your PIN—memorize it.
- Always check the bill for the right amount before you sign it. Keep
your copy.
- Always check your billing statement and make sure you made all the
purchases on it.
- Make a complete list of all your cards and their numbers. Store the
list in a safe place.
- Don't volunteer any personal information when you use your credit
card, other than by displaying personal ID as requested by a merchant.
- Don't lend your card to anybody. You are responsible for its use.
Some credit card problems originate with family and friends.
- Never disclose your PIN to anyone. No one from a financial institution,
the police, or a merchant should ever ask for your PIN.
What should I look out for when buying by phone
or mail?
- Always make sure that you write down the date & time and the
full name, address, and phone number of the person trying to sell you
something.
- Ask questions. A legitmate telemarketer should be able to answer most
questions.
- If your in doubt, contact the Better Business Bureau to check on the
company before giving your credit card number.
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