Backdating life insurance Free easy horny chat no registration
But if you can lock in a slightly lower rate for 20 years, that would save you money over time.
Once your policy is issued, your rate is locked in for your whole life or the duration of your term.
Sometimes certain claims (such as insurance claims) can be backdated if the could not be completed at an earlier date, although there must be good reason for neglecting to claim in advance.
(ISO) insurance to value insuratization insured insured contract insured fixed-price cleanup (IFC) insured versus insured exclusion insurer insurer insolvency exclusion insurer-sponsored agency captive insuring agreement integrated disability management (IDM) integrated excess policies integrated project delivery (IPD) integrated risk intellectual property intellectual property defense cost reimbursement insurance intellectual property infringement abatement insurance interchange agreements interest rate risk interim bill interim (permit) status inter-insurance exchange Interjurisdictional Agreement on Workers Compensation (IJA) Interjurisdictional Trucking Agreement (ITA) interlining interlocutory appeal intermediary intermediary clause intermodal Intermodal Surface Transportation Efficiency Act (ISTEA) of 1991 International Fuel Tax Agreement (IFTA) International Registration Plan (IRP) international reverse business Internet of Things (Io T) interpolicy stacking interrelated claims provisions interrogatory interstate commerce Interstate Commerce Act of 1887 Interstate Commerce Commission (ICC) Interstate Commerce Commission Termination Act of 1995 interstate experience rating intrafamily immunity intrapolicy stacking intrastate commerce intrastate experience rating invasion of privacy Investment Company Act of 1940 investment income investment risk invitee irrevocable beneficiary irrevocable letter of credit (ILOC) issued business A B C D E F G H I J K L M N O P Q R S T U V W X Y Z jettison jewelers block insurance job safety analysis (JSA) joint and several liability joint and survivorship annuity joint annuity Joint Commission on Accreditation of Healthcare Organizations (JCAHO) joint defense joint employer joint insurance joint operating agreement (JOA) joint underwriting association (JUA) joint venture joisted masonry construction (ISO) Jones Act (Merchant Marine Act of 1920) judgmental immunity judgment rates jumping juvenile insurance jump process Jumpstart Our Business Startups (JOBS) Act jurisdiction jury waiver provision A B C D E F G H I J K L M N O P Q R S T U V W X Y Z Kenney ratio Keogh Act plan key man insurance kidnap/ransom insurance knock-for-knock indemnity known loss provision known loss rule Kotecki waiver A B C D E F G H I J K L M N O P Q R S T U V W X Y Z labor contractor Lamb-Weston rule lapse lapse ratio laptop exclusion large deductible plan large line capacity laser exclusion last injurious exposure latent defect lateral hire laundry listing law clerk law enforcement officers liability law of large numbers lawyers professional liability coverage layer layering lay-up lay-up warranty LC5-lethal concentration LD50-lethal dose leading lead reinsurer lead umbrella lean construction leasehold interest legal action against insurer legal liability coverage form (ISO) Legal Principles Claim Specialist (LPCS) legal risk lender liability lenders liability coverage lenders loss payable endorsement lessee lessees of safe deposit boxes coverage form I lessor less than truckload (LTL) letter of credit (LOC) leverage liability liability for guests' property, premises coverage form L liability for guests' property, safe deposit box coverage form K liability insurance liability limits Liability Risk Retention Act of 1996 libel liberalization clause license license and permit bond licensed insurer/reinsurer licensee lien life expectancy life insurance trust Life Office Management Association (LOMA) Life Underwriter Training Council (LUTC) Lilly Ledbetter Fair Pay Act of 2009 limit limitation of liability clause limitation of risk limited liability company (LLC) limited losses limited Mexico coverage endorsement limited severability provision limit of insurance limit of liability "limits reduction" provision limits under multiple policy (LUMP) years line line of business line sheet line slip liquidated damages liquidity liquidity ratio liquidity risk liquor law liability (dramshop) litigation litigation hold litigation management little Miller Acts livestock collision livestock coverage form livestock mortality insurance Lloyd's broker Lloyd's central fund Lloyd's managing agent Lloyd's members' agent Lloyd's of London Lloyd's syndicate Lloyd's underwriter loan-backs loan participation coverage locality standard London form (BFPD) London Interbank Offered Rate (LIBOR) longevity swaps Longshore and Harbor Workers' Compensation Act (LHWCA) of 1927 long tail liability long-term disability (LTD) income insurance long-term insurance loss loss adjustment expense (LAE) loss assessment loss carryforward loss conditions loss constant loss control loss control report loss conversion factor (LCF) loss costs loss damage waiver (LDW) loss development loss development factor (LDF) losses incurred losses in excess of policy limits loss event loss forecasting loss limit loss limitation loss loading (multiplier) loss mitigation underwriting (LMU) loss of consortium suits loss of income coverage loss payable clause loss payee loss payout curve loss pick loss portfolio agreements loss portfolio transfer (LPT) loss prevention loss rating loss ratio loss ratio coverage loss reduction loss report loss reserve loss reserve stability loss run loss sensitive plans loss trending loss triangle lost policy release lowest achievable emission rate low speed vehicle (LSV) A B C D E F G H I J K L M N O P Q R S T U V W X Y Z maintenance, cure, and wages maintenance wrap-up major life activity major medical insurance major shareholder exclusion malicious code malicious prosecution malpractice malpractice insurance malware managed care managed care coverage endorsement managed care liability insurance managed care organization (MCO) management advisory services management liability insurance Management Liability Insurance Specialist (MLIS®) managing general agent (MGA) managing general underwriter (MGU) mandatory arbitration provision mandatory securities valuation reserve manifestation theory manifest system manual premium manual rates manufacturers and contractors (M&C) insurance manufacturers output policy (MOP) manufacturers penalty insurance manufacturer's selling price endorsement manuscript certificate of insurance manuscript form or policy margin clause marina operators legal liability coverage marine insurance marine survey maritime law market conduct market conduct exam market cycles market risk market service agreement (MSA) market value market value clause masonry noncombustible construction (ISO) master policy master service agreement (MSA) matching deductible material safety data sheet (MSDS) mature mature claims-made maturity maturity date maximum foreseeable loss (MFL) maximum medical improvement (MMI) maximum possible loss (MPL) maximum premium Mc Carran-Ferguson Act (Public Law 15) of 1945 MCS-90 endorsement mean reserve means and methods of construction mean/variance/covariance (MVC) risk modeling method media liability coverage mediation mediation incentive deductible Medicaid medical fee schedule Medical Injury Compensation Reform Act (MICRA) of 1975 medical malpractice "caps" medical malpractice insurance medical payments, auto medical payments, general liability medical payments, homeowners Medicare Medicare fraud and abuse insurance Medicare, Medicaid, and SCHIP Extension Act (MMSEA) of 2007 Medicare set-aside Medigap policy med-mal membership accounting members of Lloyd's of London mental impairment mental-mental injuries menu-driven policy mercantile open stock mercantile robbery mercantile safe burglary Meredith Principles merger and acquisition litigation Mexico coverage microcaptive midi-tail Migrant and Seasonal Agricultural Worker Protection Act (MSAWPA) of 1983 mill construction Miller Act of 1935 Million Dollar Round Table (MDRT) mineral lease mine subsidence coverage minimum and deposit (M&D) minimum deposit policy minimum premium ministerial exception mini-tail mini-trial minor's compromise miscellaneous liability coverage miscellaneous type vehicles misclassification claims misrepresentation misstatement of age provision mixed-motive evidentiary standard (in employment discrimination cases) mix of services mobile equipment mobile home policy model model act modification factor (the "mod") modified fire resistive construction (ISO) modified premium monetary threshold money and securities broad form policy money orders and counterfeit paper currency insurance monoline monopolistic state funds Monte Carlo simulation (MCS) Montrose doctrine Montrose provision moonlighting coverage morale hazard moral hazard morbidity mortality mortality table mortgage-backed security mortgage errors and omissions insurance mortgageholders mortgage impairment insurance mortgage insurance mortgage (mortgagee) clause most favored venue wording motion motion in limine motion practice motion to dismiss Motor Carrier Act (MCA) of 1980 Motor Carrier Act Endorsement motor carrier policy motorcycle insurance motor home policy motor truck cargo motor vehicle motor vehicle insurance law motor vehicle record (MVR) motor vehicle registration law moving cause multiemployer pension and benefit plans multi-peril crop insurance (MPCI) multi-period excess earnings (MPEE) method multiple coordinated policies multiple indemnity multiple parent captive multiple protection insurance multiple trigger insurance contracts multiplied damages multiyear single limit (MYSL) mutual additional insured status mutual benefit association mutual company mutual fund mutual insurer mutualization mutual law enforcement agreements A B C D E F G H I J K L M N O P Q R S T U V W X Y Z name named insured named nonowner policy or endorsement named perils coverage name partner National Association of Insurance Commissioners (NAIC) National Association of Registered Agents and Brokers (NARAB) National Council on Compensation Insurance (NCCI) National Flood Insurance Program (NFIP) National Highway Traffic Safety Administration (NHTSA) National Independent Statistical Service (NISS) nationalization National Practitioner Data Bank (NPDB) National Priorities List (NPL) National Response Center National Response Team (NRT) National Safety Council Nationwide Marine Definition natural death naturally occurring asbestos (NOA) naturally occurring substances negative basis negligence negligence per se negligent entrustment negligent evaluation negligent provider selection negligent referral negligent retention net interest earned net level premium net line net loss net loss reserves net present value net retained liability net retention net risk (risk limitation) network net written premium new for old newly acquired entities newsgathering torts New Source Performance Standards (NSPS) nexus NFC mortality rate no-fault no further remedial action planned nonadmitted asset nonadmitted balance nonadmitted insurance nonadmitted insurance (international insurance) nonadmitted insurer nonadmitted reinsurance Nonappropriated Fund Instrumentalities Act of 1952 nonassessable nonassignable noncertified act of terrorism noncombustible construction (ISO) nonconcurrency nonconcurrency of coverage triggers noncontributing, noncontributory noncontributory insurance noncontrolled foreign corporation (NCFC) noncorrelated risks noncumulation of limits provisions nonderivative suits nonduplication of benefits noneconomic damages nonengagement letter nonfiled line of coverage nonfinancial foreign entity (NFFE) nonforfeiture values nonimputation provision noninsurable risk noninsurance noninsurance risk transfer nonledger assets nonmedical nonoperating working interest nonowned automobile nonparticipating (non-par) nonparticipation settlement clause nonpecuniary relief nonpracticing extension nonprofit directors and officers liability insurance nonprofit insurers nonproportional reinsurance nonqualified plans nonratable elements nonrescission provision nonresident agent nonstandard auto insurance nonsubject premium nonsubscriber workers compensation plan nonsubscription nonsuit nontransferability provisions noon clause no-pay, no-play laws normal loss North American Industry Classification System (NAICS) nose coverage notary claim exclusion notice notice of cancellation endorsement notice of cancellation/nonrenewal clauses notice of circumstances during extended reporting period provision notice of claim provision notice of occurrence notice of potential claim provision notice to the company novation nuclear, biological, chemical (NBC) weapons nuclear, biological, chemical, radiological attack/weapon nuclear exclusion A B C D E F G H I J K L M N O P Q R S T U V W X Y Z object objective findings obligatory treaty obligee obligor occupational accident insurance occupational classification occupational disease occupational injury occupational manual occurrence occurrence basis occurrence policy occurrence year ocean marine coverage of counsel off-balance-sheet risk off-duty coverage offer offeree offer of judgment offeror office burglary and robbery Office of Motor Carrier Standards (OMCS) off-premises power coverage offset clause offset (setoff) offshore captive omnibus clause on-demand bonds, bank guarantees ongoing operations Online Privacy Protection Act of 2003 (AB68) onshore captive open perils open rating open stock burglary policy operating cash flow operating earnings operational capital operational risk operational risk financing securities (ORFS) operational risk management (ORM) operator operators extra expense (OEE) optimization optimum level of risk retention option optionally renewable option backdating option instruments option spring-loading opt-out lawsuits ordinance or law coverage ordinary construction ordinary life ordinary payroll limitation or exclusion endorsement organizational documents organizational risk organizing original gross premium (OGP) original insurer ostensible agency liability other insurance clause other states coverage other structures: homeowners policy other-than-collision coverage other underwriting income outcomes measurement outer continental shelf Outer Continental Shelf Lands Act (OCSLA) of 1953 out of employment outplacement outside directors outside directorship liability coverage outstanding losses outstanding loss reserves (OSLR) outstanding premiums overall operating ratio overinsurance overlapping insurance over-line override overriding commission overtime surcharge owner controlled insurance program (OCIP) owner-operator owners and contractors protective (OCP) liability coverage ownership clause owners, landlords, and tenants (OL&T) liability policy owners protective errors and omissions insurance coverage A B C D E F G H I J K L M N O P Q R S T U V W X Y Z package policy paid-in capital paid losses paid loss retrospective rating plan paid up paid-up additions pain and suffering pair or set clause panel counsel par paralegal parallel proceedings parameter risk parcel post coverage parent company pari passu rule parol evidence Part A permit, Part B permit partial disability partial loss partial retention participant participating (par) participating policy participating reinsurance particular average partner partner controlled insurance program (PCIP) partner track party party-in-interest transactions party walls passive foreign investment company (PFIC) passive loss passive retention pass-through entity patent infringement patient compensation funds patient dumping Patient Protection and Affordable Care Act (PPACA) Patient's Bill of Rights legislation Paul v.
The effective date is the date on which the legal obligation by the insurance company is created.
The is important because so many time periods under the policy start with it: The suicide and contestable periods, due dates of renewal premiums, expiration date of grace periods, availability and amount of nonforfeiture values and the duration of any extended term insurance.
O’Boyle, Jr., LUTCF, MBA Did you know that it’s possible to backdate a life insurance application to lock in a younger age?
Most life insurance companies use what they call “insurance age” when calculating your initial monthly and annual premium.
Search for backdating life insurance:
A B C D E F G H I J K L M N O P Q R S T U V W X Y Z abandonment abatement "absolute" exclusions absolute pollution exclusion absorbed dose accept access to records clause accident accidental death accidental death and dismemberment (AD&D) accidental means accident year data accident year experience accommodation line accountants professional liability insurance account current accounts receivable coverage accreditation Accredited Adviser in Insurance (AAI) accumulation accumulation period acquisition costs act-as-one provision action levels action versus the insurer provision active retention activity standards act of God actual cash value (ACV) actuarial report actuary acute exposure acute toxicity ADA Amendments Act (ADAAA) of 2008 additional expense coverage additional insured additional insured endorsement additional living expense (ALE) coverage additional medical additional named insured add-on control device "add-on" no-fault laws adhesion contract adjustable feature adjusted earnings adjusted net worth adjuster administrative law administrative order administrative order on consent administrative services only (ASO) administrator admiralty law admitted assets admitted/authorized reinsurance admitted company admitted insurance admitted insurer admitted reinsurer advanced wastewater treatment advance loss of profit (ALOP) insurance advancement of defense costs provision adverse selection advertisement advertising injury advisory endorsement aerobic treatment affiant affidavit affiliated companies affiliated risk affinity sales affirmative defense afterburner aftermarket parts Age Discrimination in Employment Act (ADEA) of 1967 agency agency agreement agency captive agency construction management agency plant agency system agent agent of record agents errors and omissions agent's license aggravation aggregate aggregate deductible aggregate excess insurance aggregate excess of loss reinsurance aggregate limit of liability aggregate limits reinstatement aggregate stop-loss reinsurance agreed amount clause agreed value coverage option or provision agreement not to rely on governmental immunity Agribusiness and Farm Insurance Specialist (AFIS®) airborne particulates aircraft insurance policies airport premises liability, aircraft air quality control region air quality standards air stripping air toxins aleatory contract alienated premises alien insurer allegations allied healthcare professional liability insurance all inclusive coverage allocated expenses allocated loss adjustment expense (ALAE) allocated loss expense allocation all risks coverage all risks, difference-in-conditions (builders risk) all risks, ground and flight all risks, not in motion alteration of medical records exclusion alternate employer endorsement alternative dispute resolution (ADR) alternative dispute resolution provision alternative market alternative remedial contract strategy contractors alternative risk financing facilities alternative risk financing mechanism alternative risk transfer (ART) alternative risk transfer (ART) market A. Best rating amendment of "insured contract" definition endorsement AMERCO v.