Will My Life Insurance Pay Out - OppLoans

Will My Life Insurance Pay Out - OppLoans Will My Life Insurance Pay Out? Will My Life Insurance Pay Out?Be prepared for when being prepared isn’t prepared enough.Thinking about your eventual death or the death of a loved one is not particularly fun, to say the least. But if you are a regular reader of the OppLoans Blog, you probably know making end-of-life plans early on can save you and your loved ones from extra heartache once the inevitable happens.One wise consideration to help prevent financial catastrophe â€" such as unexpected debt or personal loans â€" after the death of a family member is life insurance.On a basic level, a life insurance policy is taken out on a specific person and pays out upon their death. In exchange for regular premium payments during the individual’s life, a preset amount of money will be paid out from the insurance company to the designated beneficiary or beneficiaries. It can make a massive difference when it comes to costs associated with burial and medical debt, especially if the deceased was a primary earner.Unfortu nately, there are instances in which a life insurance policy may not pay out. It is important to familiarize yourself with those instances so you can minimize the odds of an unpleasant surprise at the worst possible time.Less cause for alarmFirst let us offer some good news after the initial gloom. While spending hours on the phone with an insurance representative shortly after losing someone you love would certainly be a nightmare, it is not as likely to happen as you might fear.“We have done a lot of research into this topic, analyzing schedule F of a company’s statutory statements where they must report how many claims are resisted each year,” says John Holloway, licensed life insurance agent and co-founder of the digital life insurance brokerage NoExam.com. “After reviewing the schedule F report for many of the largest life insurance companies, there are surprisingly few claims that are resisted.”Be honestWhen life insurance companies do resist paying out, the cause ci ted will often be misrepresentation by the policyholder.“One of the easiest ways for life insurance to not pay out to your beneficiary is if you were not 100% honest when answering the health questions on your application,” warns Matt Schmidt, CEO of Burial Insurance Pro. “If you pass away in the first two years of a policy, companies will contest the death benefit, and further investigate your health. In the event the insurance carrier discovers a material misrepresentation, they may refuse to pay the death benefit.There are a wide range of health questions you will be required to answer when you are applying for life insurance coverage. It may seem personal, but by being honest, you will lower your chance of issues down the line.“If you lied on your application, withheld important medical or health information, or intentionally provided inaccurate health or medical information, then this would be considered fraud,” explains Randy VanderVaate, owner and CEO of Funeral Fun ds. “Fraud can include not including past or current medications, smoking or nicotine use, dangerous hobbies, or current medical conditions on your life insurance application.”Noncovered cause of deathThere are multiple kinds of death that will let the insurance company off the hook. You will have to read through your specific policy to familiarize yourself with all of the particulars.“Some policies cover only some kinds of death,” says Kathryn Casna, a life insurance specialist with TermLife2Go. “Accidental death and dismemberment, for example, covers you only if you have an accident. If you die of cancer or heart disease, your beneficiaries will not receive the death benefit payout. If you want coverage for those causes, you will need to buy another policy.” Suicide or murder by a beneficiary may also void life insurance policies.Wait timesMany policies will not kick in immediately. It is vital to know if this is the case with your policy before you sign up for it.“S ome life insurance policies will have a waiting period whereby the contract specifically states that the insurance company will not pay out the death benefit for any nonaccidental death during this time,” says Anthony Martin, CEO and owner of Choice Mutual. “In general, a waiting period will last two to three years if there is one. For example, all guaranteed acceptance life insurance plans from any company will have a waiting period. Those policies have no health or lifestyle underwriting, so the issuing insurance company knows nothing about the health of the applicant. They have to impose a waiting period on those plans to prevent people on hospice care from buying them and collecting a big check within a few months.”Remember your paymentsFinally, the most obvious reason life insurance may not give you money is because you stopped giving money to them.“If you do not pay the premiums on a policy and the contract becomes inactive, then the policy will not pay,” Martin clar ifies. “You could have a policy for 20 years and never miss a payment. Then if you miss a payment and pass the carrier’s defined grace period, the policy will become inactive. If you passed away at this point, the carrier would not pay out the life insurance claim.”No one wants to dwell on death. But dwelling on the specifics of insurance contracts and law after a death is not any fun either. Do your best to plan ahead as best as possible.ContributorsKathryn Casna is a life insurance specialist with TermLife2Go.com.John Holloway is a licensed life insurance agent and co-founder of the digital life insurance brokerage NoExam.com. He co-founded NoExam.com in 2013 with the goal of simplifying the life insurance buying process.Anthony Martin is the founder and CEO of Choice Mutual, which is an online life insurance agency specializing in final expense insurance. He has been a licensed agent for almost 10 years and has personally placed more than   5000 policies in his career. Foll ow him @choice_mutual.Matt Schmidt  is a  burial insurance advisor, who helps families across the country obtain affordable burial insurance policies. These specific end-of-life policies help families cover funeral costs and other final expenses.Randy  VanderVaate is   president and owner of Funeral Funds based out of Dallas, Texas. Licensed in all 50 states, Funeral Funds specializes in affordable burial insurance, final expense insurance, and life insurance for people ages 50-85. His goal is to eliminate the financial burden that a funeral, cremation, or other final expenses place on family members after the death of a loved one. VanderVaate can be reached at  www.funeralfunds.com.

The Personality Assessment Of A Career - 948 Words

In order to be a contributing member of society a person must offer their skill set to the work force. This can be done in the form of a job or a career. A job and a career are seemingly similar, however, are strikingly different. Both a job and a career are places people work, however, a career offers the ability for advancement, whereas a job will always remain the same. The MyPlan website seeks to inform people of careers that fit an individual’s personality, interests, values, and skills. The personality assessment is a test primarily based on Sigmund Freud’s psychoanalysis (Hoffman 2002). Freud believed a person’s behavior stemmed from their unconscious mind and that personality was formed during the first six years of life (Ciccarelli, S. K. White, J. N. 2010). He would use the psychoanalytic approach to help people suffering from depression Ciccarelli, S. K. et. al 2010). Carl Jung expanded on Freud’s psychoanalysis by creating personality models ( Hayman 1999). Jung identified four major models: intuition, feeling, thought, and sensation. These models could then be further broken down into eight different mental processes (Jung 1976). A person can only have four mental process and the models are set in groups of two. For example, a person cannot be both and extrovert and an introvert, by logic this is not possible. However, a person can poses qualities from both categories. The personality test informed me that I am â€Å"ISTP† or an introvert, sensor, thinker, andShow MoreRelatedFactors Of Career And Personality Assessments849 Words   |  4 Pagestake that would assist her in making these important decisions. Assessments One of the first steps in helping a student who is undecided about their degree is to suggest useful assessments. Career and personality assessments are beneficial in several ways. They can help provide insight into personality traits, skills, and interests of a student. The results in turn can help students make connections between these traits and careers that they are well suited for. There are two tools in particularRead MoreTheories Of Personality And Leadership Assessments Essay1020 Words   |  5 PagesIntroduction There are multiple theories of personality and leadership assessments that have proven effective in helping individuals achieve their full career potential. The â€Å"Big Five† theory of personality, for example, measures the five broad areas of personality, including extraversion, agreeableness, conscientiousness, neuroticism, and openness to experience (Srivastava, 2015). Other types of assessments, such as the more simple leadership assessment we explored, simply measure leadership qualitiesRead MoreThe Importance Of A Career Assessment Test1532 Words   |  7 Pagesnot know what to do. A career assessment test can serve as a guide for those in need of a career path, direction or suggestion. The purpose of a career assessment test is to suggest careers one might be well suited for. There are different assessment tools available online; some are available for a fee, while some are free. I was reluctant at first to take the tests because I do not believe a test can tell me w hat career or job I am well suited for. Furthermore, the assessments are extremely opinionatedRead MoreReview on Myers-Briggs Skill and Personality Assessments Essay examples1125 Words   |  5 PagesPersonality Assessment ï  ¶ Jung-Myers- Briggs Typology Test The result of my personality assessment indicates that I am an ESFJ. This code is characterized as â€Å"The Guardian,† Extroverted –Sensing - Feeling– Judging. According to the assessment, my primary mode of living is focused on providing care for those in need. My primary mood is focused externally; this is where I deal with situations according to my feelings or my feelings toward them. It also explains that I decide things on the premisesRead MoreThe Myers Briggs Type Indicator ( Mbti ) Are Both Personality Assessments Essay1096 Words   |  5 PagesThe Birkman Method and The Myers-Briggs Type Indicator (MBTI) are both personality assessments. The Birkman Method is based on the theories of Dr. Roger W. Birkman and the work of Dr. Roy B. Mefferd, Jr. and Dr. Timothy G. Sadler. The MBTI is based on the theories of Dr. Carl Gustav Jung and the work of Katharine Cook Briggs and Isabel Briggs Myers. Both are non-clinical assessments. The working manuals for bo th assessments have recognized and documented, content, construct, criterion-related validitiesRead MoreAssessment Tools Essay1622 Words   |  7 PagesRunning head: ASSESSMENT TOOLS 1 Assessment Tools Paper Liberty University EDUC 307 June 1, 2016 Abstract The beauty in teaching is watching the brains of your scholars grow with knowledge. As educators we frequently use various tools to assess the gains that our scholars make. In order to successfully instruct intentional lessons, it is important to collect data about scholar interests, ability/intellectualRead MoreMy Results And Observations From The Four Career Profile981 Words   |  4 Pagesresults and observations from the four career profile activities. Those four career profile activities are Interests, Personalities,Values, and Skills. All four of these topics help define who you are, what you are good at, and what actions you will take. For the first career profile activity, Interest, I will be talking about my results from my three letter code(RIASEC) and my SDS(Self-Directed Search) assessment. For the second career profile activity, Personalities, I will be talking about my resultsRead MoreSample Resume : The Livecareer Skills Assessment1440 Words   |  6 PagesThe LiveC areer skills assessment gives the individual the opportunity to complete an assessment to determine which occupations match the skills of the individual. In taking this assessment, the reader was able to gather information on careers that are of interest. Most people select careers that they are interested in or have the skills to perform certain jobs. According to the text, a career is defined as the pattern of work-related experiences that span the course of a person’s life (Werner DeSimoneRead MorePersonality Assessments : Personality Assessment1205 Words   |  5 Pages Personality Assessment Review Miranda Basham Clarion University of Pennsylvania â€Æ' Personality Assessments A personality assessment is the measurement of personal characteristics (personality assessment | psychology). Personality tests provide measures of characteristics like, feelings and emotional states, preoccupations, temperament, interests, motivations, attitudes, and approaches to interpersonal relations. A personality is a complex pattern of characteristics that are relativelyRead MoreCounselor s Assessment1137 Words   |  5 PagesIn the lives of counselor’s assessment plays a great role. Assessments are what shows the counselor what it is that their client is in need of help in. Like our book states, assessment is a complex, problem solving process that allows us to collect information in order to better serve our client (Drummond, Sheperis, Jones, 2016). I was not aware of how involved counselors are in the testing process until I began this class. I now see that assessments also helps the client understand their own problems

Environmental Preservation and Conservation Free Essay Example, 1750 words

Environmental preservation and conservation are both significant environmental terms driven by environmental needs, though they have differences. Preservation is making land or some other environmental resource legally unavailable to utilization or development by individuals. This means that there is total abstinence from using or utilizing a certain environmental resource. On the other hand, conservation is an active concern in sustaining, maintaining and restoring an ecosystem. In this regard, natural resources are utilized in a sustainable way that ensures that they are not depleted (Richards, para1, 1999). Conservation involves wise utilization, adaptive management, and sustainability, and maintaining the health of the environment. It also aims at ending further loss or deprivation of the environment. Conversely, preservation implies no change and no use of environmental resource thereby prohibiting anthropogenic interference in an ecosystem while keenly protecting and preservin g resources. Additionally, preservation is a requirement to reserve some habitat for environments to function properly. This means performing the manner in which the communities of plants and animals have evolved through time (Schenk, p13, 2010). Moreover, conservation frequently engages removing or substituting animal and plant species to create a healthy environment. We will write a custom essay sample on Environmental Preservation and Conservation or any topic specifically for you Only $17.96 $11.86/page

The Tragedy Of Antigone By Sophocles - 1182 Words

The play Antigone, composed by Sophocles, informs us that fate cannot be controlled by anyone. Fate is an essential part of many tragedies. As for the characters in Antigone, their fates end up being unavoidable, whether it is due to the reason that they refused to accept it until it was very late, or they accepted the fate and permitted it to come to pass. The character’s lives possess set conclusions, and there exits some clues on what these conclusions shall be, and when they shall happen. The characters are frequently capable of knowing their fate and reacting to it. At certain periods, characters accept their fate since it is vital to them, or they trust that it is unavoidable (Stegar, 1). A vital theme of Antigone is the conflict amidst fate and a person’s action. Whereas free decisions, like the choice of Antigone to disobey Creon’s orders, are important, fate is actually accountable for most of the very overwhelming and vital occurrences of the trilogy. T hrough raising the fate’s significance, Sophocles implies that characters cannot be completely accountable for their undertakings. It gets challenging, for instance, to blame Oedipus for marrying mother, provided his ignorance (Shmoop, 3). The main character’s fate in the play â€Å"Antigone† by Sophocles shows the risks of extreme pride. The forces of the gods or fate, bears grave and weighty impacts on the lives of human beings. Various tragic results might certainly arise from the will of the gods, and not simply aShow MoreRelatedThe Tragedy Of Sophocles Antigone Essay1808 Words   |  8 Pages Antigone is the main character of the homonymous tragedy of Sophocles. The play follows the formal conventions of Greek tragedy and it is composed of seven scenes (opening scene, prologos), five scenes and a final scene (exodus), which are divided noticeably by six choral songs (opening lyric, parodos) and five choral songs (stasima) which have some relevance to the dramatic situation. As Aristotle distinguishes in his work of literary criticism, Poetics, part of the excitement of a tragic performanceRead MoreThe Tragedy Of Sophocles Antigone1355 Words   |  6 Pagesscenarios. For example in Sophocles’ play Antigone there are a few characters that one might say suffered. The two characters that are believed to suffer the most in this play are Antigone and Creon, however Creon does suffer more than Antigone. Sophocles’ play is to be said to be one of the best tragedy plays ever to be written and performed. The reasoning behind this is because of the true suffering that Creon does throughout the play. The whole play brings in the theme of tragedy from the beginningRead MoreThe Tragedy Of Sophocles Antigone928 Words   |  4 PagesAntigone Antigone was written in 441 BC by the Greek playwright Sophocles. The play is set in the ancient city of Thebes. Women were not recognized of importance in ancient Athens, so in turn they were not allowed to attend the plays and any character that was a woman was to be played as a man, wearing a mask. Sophocles wrote many other great Greek tragedies including Odeipus the King. In the prequel to Antigone, Odeipus the King, Odeipus is born as a curse. His parents went to the oracle and receivedRead MoreThe Tragedy Of Sophocles Antigone1705 Words   |  7 Pagesthe subject of honorable morality, Antigone possesses the moral high ground in accordance to the Greek expectations of the historical era when compared to the opposition of Creon. Owing to Sophocles’ tragedy known as Antigone, it offers the question of what type of law should be relevant when both divine law and common law clash in their interests. As such, it delves into a complex setting of a post-civil war Thebes, wh ereby throughout the entirety of the tragedy the audience learns of the fates ofRead MoreThe Tragedy of Sophocles Antigone956 Words   |  4 Pages The Tragedy of Antigone nbsp;In the story of Antigone, Oedipus has already died, his two sons. Polyneices and Eteocles, left to contend for the throne of Thebes. In their contention for the throne, the two brothers slay one another, leaving Creon once again to be the acting regent of Thebes. With this power, Creon declares that Polyneices must be left to rot on the battlefield, the highest disgrace to any Greek. Antigone, daughter of Oedipus, is left torn between state of family, and in theRead MoreThe Tragedy Of Sophocles Antigone976 Words   |  4 PagesThe story in Antigone shows two things that Sophocles could be pointing which is important whether may be the family or authority. Readers could not tell whether Sophocles would be choosing which but most conclude that Sophocles could be siding with family as it talks much more about it than authority. In the mind of a reader, family is mostly likely the winner as Antigone cares her brother Polyneices, Antigone denies the rule of Creon, Creon values his son and his wife, and Sophocles might be makingRead MoreThe Tragic Tragedy Of Antigone By Sophocles1440 Words   |  6 Pages Antigone The tragic play ‘Antigone’ by Sophocles is a tale that will forever project different interpretations and meanings, one no more accurate than the other. The play’s protagonist, Antigone, is typically always seen in an innocent aspect, and Creon is always seen as a villain due to the ongoing quarrel between the two. But, who is to say that either one is heroic or villainous? Sure, there are many admirable qualities that Antigone possesses, but she also shows that she is unwilling to changeRead More Sophocles Greek Tragedy, Antigone Essay465 Words   |  2 PagesIt has been said that love conquers all. Love is a major issue in Sophocles Greek Tragedy, Antigone. Antigone’s family is full of incest and betrayal. People say that Antigone, and her sister Ismene have been cursed because of their family’s bad decisions and horrible luck. Love in Antigone’s case did conquer all, but do the tragedy of deaths. Antigone’s love for her deceased bro ther eventually caused her own death. Antigone’s death went on to cause Haimon’s death, which ultimately caused the deathRead MoreTragedy in Antigone by Sophocles and Blackfish771 Words   |  4 PagesKarl Marx, the German philosopher, once said â€Å"History repeats itself, first as tragedy, second as farce.† For me, this quote clearly describes the overarching relationship between Blackfish and Antigone. This analogy starts with Antigone, written about an oppressed woman against the fists of tyranny. That early in history woman’s rights was often taboo at places, and democracy was only recently established. Yet, Antigone went against the norm by focusing on a heroine that challenged male authorityRead MoreEssay about Sophocles Antigone: A Great Tragedy1073 Words   |  5 Pagescan create a major difference, but one decision can create major conflict. One decision affects all other decisions. The effects of one decision are present in Antigone by the greek author, Sophocles. The setting of Antigone is the ancient city of Thebes after a battle between Polyneices and Eteocles. During the battle, a great tragedy occurs when Eteocles and Polyneices kill each other. The battle is a result of one decision by Polyneices to conquer Thebes, and his attempt is a utter failure

Jaqcueline Lee Bouvier Kennedy Onasis Essay Example For Students

Jaqcueline Lee Bouvier Kennedy Onasis Essay Jackie Kennedy was the wife of John F. Kennedy, 35th president of the United States. Jackie Kennedy was known for her sense of style and elegance. Her second husband , Aristotle Onasis, was one of the wealthiest men in the world. Jackie was of a wealthy and socially prominent family. She studied at Vassar College and George Washington University. She graduated in 1951. For two years she worked as a photographer and a columnist for the Washington Times Herald, until her marriage in September 1953 to senator John F. Kennedy of Massachusetts. After a miscarriage and a stillbirth, she gave birth to daughter Caroline in 1957, and she was pregnant with John F. Kennedy Jr. when her husband was elected president in 1960. Her second son Patrick was born in 1963 and lived only 36 hours. On senator Kennedys election as president, Jackie became the focus of national and even international popular interest. As the sophisticated First Lady, she helped set the tone for the Kennedy Administration. She particularly interested herself in the White House itself and secured a number of important antique pieces for its part of a plan to restore several of its public rooms to period authenticity. She set up a fine arts commission for the White House and hired a curator. In February 1962 she conducted a widely praised televised tour of the White House. She was also responsible for setting fashion styles, wearing Oleg Cassini creations and the pillbox hat that became her trademark. On trips all over the world she was warmly received and did much informally to maintain good relations with various nations. The assassination of President Kennedy as they rode together in a Dallas, Texas motorcade in November 1963 thrust her even more into the national consciousness. After the immediate period of ceremony and mourning, Jackie withdrew slowly into the world of international society, becoming a Frequent subject of society gossip and the victim of publicity seekers and paparazzi. She was involved romantically with various eligible men, but her marriage in 1968 to Greek shipping tycoon Aristotle Onasis was a shock to many people and critics. She lived the secluded life of the extremely wealthy before and for a time after Onasiss death in 1975. From 1975 to 1977 she was a consulting editor at Viking Press. She moved to Doubleday in 1978 as an associate editor, later becoming a senior editor. On her death in 1994 she was buried, at her own request, in Arlington cemetery beside Jon F. Kennedy.

Apocalypses And Mark Gospel Essays - Prophets Of Islam,

Apocalypses And Mark Gospel Mark is most likely the first of the Gospels to be written because it is the shortest and tells of the ministry of Jesus. Mark stresses Jesus' message about the kingdom of God and how it is breaking into human life as good news and that Jesus himself is portrayed as the "gospel of God." Jesus is explained as the Son of God who is sent down to rescue everyone. His life is predestined as a sacrifice for humanity. The beginning of the book sets the tone of Mark by the actions of John the Baptist and God as he speaks during Jesus' baptism declaring Jesus his son. Also in the beginning Jesus is supposed to baptize the Holy Spirit and that the temptation of Satan fails. Examining the verse 14-15 of chapter 1 one can understand Jesus proclamation as Gospel: "fulfillment, the nearness of the kingdom and therefore the need for faith." From this point on we see miracles being performed on the people. It almost seems as though he is carrying out these miracles in order to make people either fear him, or prove to people who he is. People then start to take a real liking to him as he helps them unconditionally with all of their ailments. Jesus later appoints 12 disciples to carry out his reign and to drive out the demons as he is doing. Though we see in chapter three the introduction of the Apocalyptic thought. Jesus is accused of being "Beelzebul" which is a word used for Satan, they say this because they do not have an explanation for him driving out the demons. We also see in this chapter that Jesus say's that his family is those that believe in God and follow his reign. This insinuates the idea that Jesus is in all of us. Continuing the story we see Jesus is preparing for everything that is to happen. He is aware of the disciples that are going to betray him, and that he is going to be sentenced to death by Pilate. Then the Last Supper where he is to foretells the future. In chapter 13 we are told about the destruction of the Temple. This is very apocalyptic in tone because it tells of the falling of all the great buildings right down to the last stone. He says that there will be many wars, and many nations will fight but it will all be built again, saying that intervention will only happen after destruction. What he is talking about is the Romans coming to take over Jerusalem and to destroy the temple. Though Jesus does not say when this is going to happen. The book of Mark ends with Jesus being crucified and dying on the cross for everyone. He was buried and then the following day as Mary Magdedalene, Mary Mother of James and Salomon went to go anoint his body they found that his body was not there. They assumed that Jesus had risen. He appeared to the eleven and said go out and proclaim what has happened and those that believe will be saved and those that don't will be condemned. This is the final portion of Mark and it's proclaims that those who do not believe will be punished. This is a very similar attitude that was seen in Daniel as God the punisher.

Dec. of indep. essays

Dec. of indep. essays The Declaration of Independence, written by Thomas Jefferson, left both a significant and bold impact on the history of this world. In truth, its writing was for the sole purpose of stating the reasons for a need for independence from the British Empire and listing the grievances for which drove them. However, the ring from this bell echoed on into history to influence such documents as the French Declaration of the Rights of Man and many other revolutionary based documents. Many of the old ideas found in the Declaration of Independence surround the general idea of self-government and popular sovereignty. Thomas Jefferson expressed the belief in and need for the colonies to be able to pass their own laws and be tried by their juries. He also recognized the need for taxation, but for taxation with representation. Above all these, Thomas Jefferson stressed the need for the people to be able to represent themselves in a representative government. This brought about the introduction and foundation to a new form a government, a government in which power flowed from the people, not a monarch. This new form of government, first introduced by Thomas Paine, would become known as a democratic republic. This idea of Republicanism was a new and radical idea that laid its foundation in the Declaration of Independence. One specific line of the Declaration of Independence has taken on a drastically different meaning from its original and historic context. This would be the line that reads, All men are created equal; that they are endowed by their Creator with certain unalienable rights. At the time of its writing, men consisted of only white males that owned property. Now, as everyone knows, events have changed social history and in the same token have changed the context of this statement. Men now refers to all people. This includes all male and females of all ethnicities...