Public Record Data Guaranteed insurability. An option that lets the policyholder buy more life insurance at stated times in the future without a medical exam. Risk Retention Groups - Liability insurance companies owned by their policyholders. Membership is limited to people in the same business or activity, which exposes them to similar liability risks. The purpose is to assume and spread liability exposure to group members and to provide an alternative risk financing mechanism for liability. These entities are formed under the Liability Risk Retention Act of 1986. Under law, risk retention groups are precluded from writing certain coverages, most notably property lines and workers' compensation. They predominately write medical malpractice, general liability, professional liability, products liability and excess liability coverages. They can be formed as a mutual or stock company, or a reciprocal.
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online student health insurance This is one of the three largest credit reporting agencies in the country. The headquarters of Equifax are in Atlanta. Grace Period - The length of time (usually 31 days) after a premium is due and unpaid during which the policy, including all riders, remains in force. If a premium is paid during the grace period, the premium is considered to have been paid on time. In Universal Life policies, it typically provides for coverage to remain in force for 60 days following the date cash value becomes insufficient to support the payment of monthly insurance costs. First Party Claims
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invergrove heights payday loan Interchange Fee: It is the charge paid by the merchants to the credit card processors for accepting credit cards. It is also known as a 'discount rate'. Nonstandard Auto (High Risk Auto or Substandard Auto) - Insurance for motorists who have poor driving records or have been canceled or refused insurance. The premium is much higher than standard auto due to the additional risks. Fair Credit Reporting Act A federal law, established in 1971, and revised in 1997, which enables consumers to learn what information Credit Reporting Agencies have on file about them, and to dispute inaccurate data in the file. It also establishes specific permissible purposes for which credit reports may be requested, and places time limits on how long adverse information may be reported.
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source for online credit reports Broker. A person who represents insurance buyers, not companies. CREDIT LIFE INSURANCE Bad Credit: Refers to poor credit rating due to bad credit history. Late payment, exceeding card limit, skipping payment and declaring bankruptcy are some of the common practices that can have negative impact on credit rating.
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