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Backdating life insurance save age

Before long, there would be no car insurance industry and we’d all be paying for damages and injuries out of pocket.Lawsuits would inevitably skyrocket, clogging our already over-burdened court system.

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National Savings Certificates are valued according to figures given to us by the Government each year not the purchase amount. a property) is held jointly by two or more people and are not held in distinct known shares (e.g.Actual Age: A method of calculating an applicant's insurance age.This method uses the insured's actual age and is sometimes called Age Last Birthday or Attained Age.Backdating is dating any document by a date earlier than the one on which the document was originally drawn up.Under most circumstances, backdating is seen as fraudulent and illegal, although there are some situations in which backdating can be used in a legal and beneficial way, such as backdating a claim for a past period.Absolute Assignment: The transfer of ownership of a life insurance policy to a separate entity. Commonly used when banks require life insurance as collateral for a loan.

Accelerated Death Benefit: This benefit is included with many policies today.

Zander provides a balance of size, experience and commitment to service that is unique in our industry.

We are large enough to command the attention and accountability of the companies we represent, which helps assure that our clients receive the most competitive pricing and prompt attention to issues that arise.

Our size however does not interfere with our effort to provide personalized service throughout our business relationship.

Whether questions prior to applying, concerns during the application process or any other issues that arise once your policy is in effect, we are here to serve you!

Savings and investments include any money or property held, but not your current or future home or personal possessions.