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2. Guaranteed issue life insurance - AOL

   www.aol.com/finance/guaranteed-issue-life...

   When deciding whether guaranteed life insurance is the right fit for you, it may be helpful to review the following pros and cons. Pros Does not require submitting medical questions or completing ...

3. How to buy life insurance without a medical exam - AOL

   www.aol.com/finance/buy-life-insurance-without...

   Pros and cons of no-exam life insurance. ... Guaranteed issue and simplified issue life insurance: Guaranteed issue: These policies do not require any health questions or medical exams, making ...

4. Community rating - Wikipedia

   en.wikipedia.org/wiki/Community_rating

   Community rating, as a basis for premium calculation, is fundamentally different from the usual method of determining insurance premiums, i.e. risk rating. In a risk rated insurance market, an insurer calculates the premium payable by a potential policy holder in order to enter into an insurance contract on the basis of various factors particular to that individual, such as the risk of a claim ...

5. Guaranteed issue - Wikipedia

   en.wikipedia.org/wiki/Guaranteed_issue

   Guaranteed issue is a term used in health insurance to describe a situation where a policy is offered to any eligible applicant without regard to health status. Often this is the result of guaranteed issue statutes regarding how health insurance may be sold, or to provide a means for people with pre-existing conditions the ability to obtain health insurance of some kind.

6. Whole life insurance

   www.aol.com/finance/whole-life-insurance...

   State Farm is in the top spot in J.D. Power’s most recent customer satisfaction ranking, and it offers several whole life options, including limited pay, single premium and guaranteed issue ...

7. Adverse selection in life insurance - AOL

   www.aol.com/finance/adverse-selection-life...

   Despite these limitations, guaranteed issue insurance fills a gap in the market. For those who’ve faced rejection elsewhere, these policies offer accessibility when it matters most. While not ...

8. What Does Guaranteed Issue Mean in Medicare? - AOL

   www.aol.com/lifestyle/does-guaranteed-issue-mean...

   "Guaranteed issue rights" refers to a time when Medigap insurers can't deny you coverage based on age, gender, health status, or any preexisting conditions outside of the open enrollment period.

9. What is an irrevocable beneficiary? - AOL

   www.aol.com/finance/irrevocable-beneficiary...

   Pros and cons of an irrevocable beneficiary Naming someone as an irrevocable beneficiary has its advantages, but it also comes with a few challenges. Here’s a breakdown of the key pros and cons ...