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Insurance

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Unless specifically requested as part of the contract or __________, the estate or heirs of a deceased beneficiary will not ____________ in this case
With one exception (partial disability), an insured must be ____________ before benefits under a disability income policy are payable
Every applicant for insurance is individually reviewed by a______________ to determine if the applicant meets the standards established by the company to qualify for its life insurance coverage.
Group life policies must contain a __________ that allows individual insured members to convert to an ______ without evidence of insurability
The application for insurance is the basic source of _______________ it is a written request made by the applicant to the insurer asking for an ____________ based on the information provided
In most cases, the employee's company who is the __________, selects the type of insurance coverage, which may be either _______ or _____ insurance
Under __________ , Insurance companies will require that _________ of the eligible employees can be included in the plan
In group insurance, _______________ is usually not required if participant enrolls during the ___________ and participants under the plan do not receive a policy nor do they own or control
The life income option with a period certain pays a __________ for as long as the beneficiary lives
Many insurers offer a waiver of premium rider that also includes
Instead participants receive ________ indicating that they're included in the coverage
interest paid by an insurer on policy proceeds is
Small employers that employ less than _______ employees for each working day across each of ________ calendar weeks in the current year or preceding year can use Medicare as a ____________ for claims
The life income option provides the _______ with an ________ that they cannot outlive
The _________ the installment the ______ the payout period
When the fixed period or period certain option is chosen, the death benefit _______________ over a set period of years
Life settlement option liquidates ________ and ________ with regard to life contingencies
The joint and survivor option guarantees that ___________ on a long-life basis to ___________
Insurers typically place a ceiling on the _____________ they will issue on any one applicant, based on __________________
The primary living benefit that a whole life (permanent life) insurance plan possesses during the life of the policy

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