What To Expect When Applying For Life Insurance?

What To Expect When Applying For Life Insurance?

For many, Life Insurance is the most affordable, reliable and secure way to ensure their families have enough financial resources in place in the event of a loss. Applying for Life Insurance is now easier than ever with options to apply right on-line.

THE APPLICATION PROCESS: The Life Insurance application will ask for some basic information including:

– Name, address

– Height, weight, date of birth

– Habits and lifestyle (smoking habits)

– Medical history

ALWAYS TELL THE TRUTH! When getting life insurance quotes, it’s important to tell the truth. The information you provide helps the insurance company calculate the policy premiums and if an insurer discovers you have lied on your application about basic information OR lifestyle/habits, it could result in an increase to your premium, the cancellation of your policy or coverage, or the denial of your claim.

In some cases, insurance companies will accept your application answers for health-related questions. However, some will require an in-person medical exam. Typically, for lower coverage amounts of up to $250,000 or less, a simple health questionnaire is likely. For higher coverage amounts or for customized individual insurance policies a detailed health screening is more common. Where this is required, your insurance provider will arrange for a medical examiner to visit your home or office, or you will be asked to attend a clinic selected by the insurance company, where they will review your personal and immediate family medical history, take your blood pressure, check your physical attributes, take a blood & urine sample and also review your lifestyle habits that could affect your overall health, including exercise, smoking, alcohol, stress, hobbies, etc. Depending on your age, there may be additional testing like an EKG, X-Rays, or cardiovascular tests.

Once examined, an insurance underwriter will review your application and medical exam …

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Applying For a Bank Loan

Applying For a Bank Loan

If you’ve never applied for a bank loan before odds are you have no idea what to expect from the process.

There are different ways to apply for a bank loan. Often it is the TYPE of loan you are applying for that determines the approach. For example, if you are applying for a car loan you may be filling out the application at the auto dealership.

If you are applying for something like a signature loan, mortgage loan or business loan you may be applying directly with the bank or through online applications.

Talk with A Professional

Make an appointment with a loan officer at your bank. Sit down with them and discuss the type of loan you are seeking, what your goals are and a bit about your financial situation. The loan officer may be able to give you guidance and offer options you had not considered. You may be able to get a realistic estimate of the chances your loan will be approved.

Provide Your Information

One of the first things you will be asked to do is fill out a credit application. The application is the banks method of gathering demographic, income and credit history information about your.

Be prepared to give information such as:

  • Name
  • Address and Phone Number
  • Date of Birth and Social Security Number
  • Employment Information such as name of employer and length of employment

There may be other questions depending on the institution’s internal policy and the type of loan.

The Bank Analyzes Your Information

Using your applications a baseline the bank proceeds to investigate and determine how much of a risk would be involved in loaning to you. Their procedures may look something like this:

With your name, date of birth, address, and social security number a credit report and/or credit …

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History of Silver Coins

History of Silver Coins

Usage of silver coins dates all the way back in ancient times and it is considered to be among the first form of coinage. They were very popular in the 1500s where they didn’t have as perfect shape as they have now, but that’s because of the lack of technology. When the economy is unstable, silver coins are a great way to lower the risk of inflation, but most of the countries don’t have the resources to do that.

Nowadays we don’t trade them like it used to be, but they are considered as a great gift for certain situations. Also, there are many people who are collectors and many of them are worth quite a lot. You can always find silver coins for sale online or in a nearby silver store if you interested. Even if they are not made out of gold, when you have some that are over 100 years old, you can expect that the price will rise every year.

US Silver Coins

The US mint had to stop minting silver coinage in the 1963 and until that they have used them for 173 years. When it became legal to mint coins in 1789 by the Constitution the first place to mint was in Philadelphia in 1792. An interesting thing is that you would be sentenced to death if you make fake coins. In 1834 silver managed to move the ratio to 16:1 relative to gold.

There are many popular coins made in that period and one of them is the half dime Seated Liberty which was 90 percent silver. Later we had copper-nickel coins that became more popular because the cost to make it was lower. A quarter and half a dollar of Seated Liberty coin was made in 1838 and was used until 1891. …

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