Divya Bhaskar Newspaper Recruitment For Various Post 2017

Divya Bhaskar Newspaper Recruitment For Various Post 2017
Are you a world traveler who is looking to purchase life insurance?  There are a few things to note in regards to underwriting foreign travel.  In short, “underwriting” is the process in which the life insurance company reviews your application to determine how much life insurance and at what price you can be approved for.  These numbers are configured based on previously set guidelines that determine how high of a risk you are to insure.
The destination country can significantly impact your life insurance rates, and traveling to certain countries may even deem you uninsurable.  The life insurance companies typically place countries into one of three categories:
Acceptable for Travel
Acceptable for Travel (but with limited coverage amounts if traveling a certain amount – typically 3-6 months)
Unacceptable for Travel
The countries are categorized based on analysis of their government, travel services, and industry data. A country’s status may change depending on current conditions in that country.  A continent can have several different categorized countries within it.  As an example, if you travel to Africa, Rwanda is typically categorized as “Acceptable”, while Congo is “Acceptable (with limitations)”, and Sudan is “Unacceptable”.
It’s important to note that many states in the U.S. have regulations that restrict the life insurance company’s ability to take adverse underwriting action based solely on an individual’s lawful travel activities.  Because of these regulations and the fact that each life insurance company underwrites a bit differently, applying for life insurance through Quotacy is beneficial to you.  We work with multiple life insurance companies and have an underwriter on staff who knows the ins and outs of each carrier’s underwriting guidelines.
For those who travel outside the U.S. over six months annually, you will be treated as a Non-U.S. Resident for underwriting purposes.  This may be a person who maintains dual residences; one who does not declare a full time, permanent U.S. residence; or one who visits the United States but maintains a primary residence outside of the country.
Overall economic conditions, endemic diseases, public health and sanitation standards, quality and capacity of medical facilities and different cultural attitudes toward personal health and safety are all factors that vary from one country to another.  All are taken into account regarding the possible increased risk involved with residing outside the United States.
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