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Exam Code: ISO20KF Practice exam 2022 by Killexams.com team
ISO / IEC 20000 Foundation
Exin Foundation test
Killexams : Exin Foundation test - BingNews https://killexams.com/pass4sure/exam-detail/ISO20KF Search results Killexams : Exin Foundation test - BingNews https://killexams.com/pass4sure/exam-detail/ISO20KF https://killexams.com/exam_list/Exin Killexams : The 12 Best Full-Coverage Foundations for a Flawless Base

It can be intimidating to experiment with a full face of makeup, especially when it comes to foundation. There’s a fine line between looking airbrushed and looking cakey when trying full-coverage foundation, but it's no surprise that this age-old makeup product is the secret behind some of Hollywood’s most flawless faces. 

This type of foundation aims to minimize pores and blemishes as well as correct tone for a more even base. In today's era of skin-first makeup and dewy, natural finishes, it’s not incredibly common for makeup artists to employ the use of full coverage products, but that’s not to say this practice is extinct. And for makeup-users, sometimes you feel more comfortable in something that disguises elements of your skin that perhaps make you a bit self-conscious.

There’s a myriad of foundations (and tons of shades available for each) to discover in the full-coverage space, so we took to the PEOPLE Tested lab to decide which products deserve the space on your beauty counter. After testing 31 foundations, we decided that these 12 were worthy of being shared with you as our PEOPLE-approved picks.

Read on to find the next full coverage foundation that will have your skin looking smoother than ever.

Pros
  • Longwearing

  • Easily blendable

  • Skincare component

Labeled as one of the most seamless foundations of the bunch by our testers, the Charlotte Tilbury Airbrush Flawless Longwear Foundation wowed with its little-goes-a-long-way formula and impressive staying power. This liquid foundation was made to be a hybrid between skincare and makeup to craft a complexion that looks as healthy as it feels. 

Formulated with ingredient complexes that aim to hydrate the skin and refine wrinkles, this foundation felt nourishing when applied on the tester’s skin and was able to cover almost all of their imperfections with just two pumps. They appreciated the way this foundation felt locked in on their skin without creating dryness, as there was no color transfer when blotted and the formula stayed put while being blended with a sponge. 

While this product is supposed to help moisturization, our tester did feel like the results were slightly drying. However, this didn’t become a deterrent in the end, as they shared that they “would sacrifice additional moisture for staying power and transfer resistance.” Our tester also noted that this would be a great formula for those with naturally oily skin — ensuring a matte finish, strong staying power and smoothed texture for any skin type. 

Price at time of publish: $46

Size: 30 ml | Shades: 44 | Finish: Matte | Skin Type: Balanced, dry, combination

People / Jessica Juliao

PEOPLE / Jessica Juliao

The NYX Total Control Pro Drop Foundation is the perfect lightweight, buildable option for someone who wants to achieve a full-glam look without spending too much money.

It only took our testers four pumps of the dropper to get enough foundation to cover their skin in a texture-smoothing, tone-evening sheen. The lightweight formula “had a shine to it, but didn’t look oily — it looked healthy,” said our tester after blending the foundation, which blurred effortlessly without creasing or pilling up. 

Thanks to its wide variety of shade options, our tester was able to find a hue that perfectly matched their skin tone from the neck-up. While they did experience transfer when they blotted their skin with an oil blotting sheet, they still felt that the look was beautiful — remaining free of creases and smudges, even after repeatedly touching the face. For a drugstore price, this foundation has some serious power.

Price at time of publish: $9.82

Size: 0.43 ounces | Shades: 29 | Skin Type: All

People / Jessica Juliao

Pros
  • Ultra lightweight

  • Glowy finish

  • Tone-evening

Glamor is the name of Chantecaille’s game, and their Future Skin Cushion Skincare Foundation is no exception. This stunning foundation glides seamlessly onto the skin thanks to its hydrating, water-based formula and provides a healthy glow that the wearer can boast all day long thanks to the staying power our tester made note of. 

The lightweight product had just enough pigmentation to cover our tester’s redness but was never cakey on the skin or settled into wrinkles, a quality that they especially appreciated. They went so far as to call the semi-matte finish “impeccable,” later stating that they had “never felt a foundation this light that actually provided coverage” without feeling like they were wearing a full face of products. 

Our only wish is that there were more shades to choose from, as this delectable formula should be felt by everyone.

Price at time of publish: $130

Size: 0.42 ounces | Shades: 8 | Finish: Semi-matte | Skin type: All

People / Jessica Juliao

Pros
  • Buildable coverage

  • Blurring

  • Evens discoloration

PEOPLE / Jessica Juliao

Not all foundations are made the same, and this definitely rings true for the Nudestix Tinted Blur Foundation. Pivoting from liquid products, this stick foundation allows you to work up to the level of coverage that you want thanks to its buildable and easy-to-blend formula. 

Our tester especially liked that it was able to easily cover their discoloration with just a few taps of their fingers or brush, two methods that worked to effortlessly blend the foundation onto their skin. Since the product is a stick, its formula is naturally denser than liquid versions, meaning it was able to minimize pores and blur the skin easier than liquid foundations can.

Our tester did feel as if the formula was on the slightly drying side over time (as most full-coverage products are), so they suggested the use of a great moisturizer before applying the foundation for the best results. This foundation should be on everyone’s radar thanks to its versatility, from the light coverage-lover to the full-coverage fan. 

Price at time of publish: $32

Size: 0.42 ounces | Shades: 11 | Finish: Semi-matte | Skin Type: All

People / Jessica Juliao

Pros
  • UV protection

  • Natural finish

  • A little goes a long way

We all know the importance of wearing our sunscreen, but did you ever think to incorporate it into your makeup routine? Kosas’s Revealer Skin Improving SPF 25 Foundation consists of, you guessed it, SPF 25 to protect your skin against harmful UV rays throughout the day, while still leaving you with flawless texture and a healthy glow. 

Our tester was blown away by the beautiful results this foundation gave them, needing only two pumps of the formula for an even-toned result that seamlessly blended over their entire face and easily covered mild redness and small blemishes. “My face was glowing, even-toned — dare we say, stunning? The coveted ‘no make-up makeup’ look unlocked,” they praised.

Though the price point is quite high compared to some other foundations, we do think this foundation is well worth the investment thanks to its skincare benefits and glow-y results. “I usually opt for tinted moisturizers and concealer, but this foundation has me changing my mind,” our tester raved. For the skincare-conscious, this foundation will be a no-brainer.

Price at time of publish: $42

Size: 1 ounce | Shades: 23 | Finish: Natural | Skin Type: All

People / Jessica Juliao

PEOPLE / Jessica Juliao

You’ve seen liquid and stick foundations, but let us introduce you to the best powder for full coverage: the Estée Lauder Double Wear Stay-in-Place Matte Powder Foundation. This pressed powder has more than 30 shades in order to match as many skin tones as possible and feels lightweight on the skin thanks to its finely-pressed formula. 

After some testing, our volunteers found favor with this comfortable foundation that blended easily onto their skin and felt light enough to wear during the summer for breathability and shine control. They also loved the fact that this product could double as a setting powder for a tinted moisturizer or similar cream products.

Though this foundation has decent pigmentation, it was not potent enough to disguise our tester’s natural pigmentation. However, this would work wonders for someone who wants a more natural look or uses this powder as a setting agent for their base layer of liquid foundation or concealer. 

Price at time of publish: $48

Size: 0.42 ounces | Shades: 31 | Finish: Matte | Skin Type: Oily, combination, balanced

People / Jessica Juliao

Pros
  • Huge shade range

  • Easily blendable, weightless

  • Sweat- and shine-reducing

There’s a difference between a radiant, glowing finish and oily skin, though it is, admittedly, a tough line to toe. The Fenty Pro Filt’r Soft Matte Longwear Liquid Foundation is the secret ingredient to oil-controlled skin with its climate-adaptive formula that resists the buildup of sweat, shine, and oil on the skin when exposed to heat or after long hours of wear.  

Our testers immediately noticed how lightweight and easy to blend this formula was, even stating that it “doesn’t even feel like there’s makeup on,” making this an easy product to reach for everyday. There was very little transfer onto the blotting sheet as well, which means that this product’s staying power is no joke.

Though this product will last you all day, you may prefer its use for more natural makeup days, as its pigmentation is not as full coverage as it claims. Our tester with hyperpigmentation felt as if they would need several more layers of the product to get a true full-coverage effect, but that this was a beautiful product for those looking for medium/buildable coverage (or anyone who doesn’t have dark circles or spots). Long, sweaty days in the summer are no foe to the Fenty Pro Filt’r.

Price at time of publish: 39

Size: 1.08 ounces | Shades: 56 | Finish: Matte | Skin Type: Oily, combination, balanced

People / Jessica Juliao

Pros
  • Radiant, skin-like finish

  • Very blendable and customizable coverage

  • Non-oxidizing

One of the biggest deterrents for people when it comes to full coverage foundations is the fear of looking cake-y or the skin drying out, which is why a buildable product is one of the better options for customizable coverage. The Ilia True Skin Serum Foundation hits the mark with its medium coverage formula made with niacinamide to not only provide a finish that feels as healthy as it looks, but can be easily layered for more coverage, if necessary.

Even after applying a few layers of the product, our tester was impressed by the weightlessness of this product and its ability to cover up redness and pores while still producing a dewy, natural finish. They felt that they would still need to use a powder to set the foundation in their naturally oily areas, like the T-zone, but that the glow-y foundation was easily blendable, highly breathable, and produced a “texture that felt like silk.”

Like most of the products in this test, this foundation transferred slightly onto the blotting sheet used, but only left product-produced oil on the sheet and kept the foundation mostly intact on their skin. Because this formula doesn’t oxidize either, it’s perfect for all-day wear — meaning you can wear a little during the day for a natural look and boost the coverage for a night out without the fear of yellowing or cakiness. 

Price at time of publish: $54

Size: 1 ounce | Shades: 30 | Finish: Natural | Skin Type: Oily, combination, balanced

People / Jessica Juliao

People / Jessica Juliao

If you’re looking for a skin-perfecting foundation that feels like you’re wearing no makeup at all, then look no further than the Pat McGrath Sublime Perfection Foundation. Luxe in design and formula, this pore-erasing, incredibly lightweight and “truly sublime” foundation (according to our tester) was one of the most natural-looking yet tone-correcting products tested during these trials.

Only one layer was needed to get the desired level of coverage that our tester was going for, but the formula was buildable enough to easily blend another layer on top for an even more “perfect” look. Our tester attributed this lightness to its water-based formula, which made the product feel like a tinted serum instead of a thick foundation, making it “ideal for everyday wear or days that you want a second skin.”

After wearing the foundation for a good amount of time, our tester noticed a bit of creasing at their smile lines, but this was to be expected as the foundation hadn’t been set with powder — a staple in most beauty routines. Our tester still loved how this product both looked and felt on their face, stating that their “skin looks truly glorious” and was truly worth the investment (its price tag is not cheap). Ms. McGrath wasn’t kidding when she called her product "sublime".

Price at time of publish: $68

Size: 1.18 ounces | Shades: 36 | Finish: Natural | Skin Type: Balanced, dry, combination, oily

People / Jessica Juliao

PEOPLE / Jessica Juliao

Natural makeup-wearers will love the little amount of product that is required to achieve a flawless look with the Lancôme Teint Idole Ultra 24H Long Wear Matte Foundation, as only the smallest drops of this product were necessary to comfortably cover our tester’s skin. They were happy with how nicely the product held its own on their skin, staying away from creasing and cakiness. 

They also loved how natural their skin looked after application, noticing how beautifully the foundation was able to blend out to a skin-like result while still offering coverage. A very small amount of product was transferred during the blotting test.

Our testers definitely voted to recommend this product to family and friends due to its ease of application and gorgeous results, though they do want you to be aware that the end finish is quite matte, meaning you won’t get too much of a natural sheen glowing through the product in the end. However, this look may be perfect for some readers and your new favorite foundation could be just a click away.

Price at time of publish: $52

Size: 1 ounce | Shades: 49 | Finish: Matte | Skin Type: Oily, combination, balanced

People / Jessica Juliao

Pros
  • Super lightweight

  • Tone-correcting

  • Hydrating

Introducing the Elizabeth Arden Flawless Finish Mousse Makeup, a mousse-style foundation that offers a buildable, natural-looking finish. A little goes a long way with this product, as our testers noticed that a single, small pump of the mousse was able to blend into the entirety of their face. It was as lightweight on the skin as it felt in the can, which was a nice break from liquid and stick foundations.

While this mousse was initially effective in the no-transfer department, our tester noticed that the mousse began to feel oily on their skin after about 20 minutes. There are also only six shades available, which is notably limited for a complexion product.

Price at time of publish: $35

Size: 1.76 ounces | Shades: 6 | Finish: Natural | Skin Type: Balanced

People / Jessica Juliao

PEOPLE / Jessica Juliao

It can be daunting to think of applying full coverage foundation to dry skin, but the moisturizing KVD Good Apple Skin-Perfecting Hydrating Foundation Balm is here to make skin-perfecting products available to everyone, even those with dry skin. Its formula is made with apple extract and sodium hyaluronate to nourish the skin while evening the tone, taking care of our tester’s hyperpigmentation and leaving their skin practicing more moisturized than it did before. 

This product takes us back to our first days spent experimenting with makeup, when most of us applied products by “finger painting,” a practice you can revisit with this foundation. Our tester marveled at how easy it was to blend this formula out with their fingers, which felt like a great product to throw in travel bags for light touch ups on-the-go.

Though its hydrating properties and easy-to-use formula were unbeatable in our tester’s eyes, they did wish the compact was a little more inventive to look prettier when displayed in their makeup collection, but its beautiful results outweighed the plastic packaging woes. Everyone with dry skin and special events coming up can rejoice, because this moisturizing full-coverage foundation is here to save the day.

Price at time of publish: $40.50

People / Jessica Juliao

Size: 0.35 ounces | Shades: 40 | Finish: Matte | Skin Type: Dry, combination, balanced

Things to Consider Before Buying Full Coverage Foundation

Shade Range

One very important aspect to keep in mind as you look for the right full-coverage foundation is the shade range that the brand offers for that particular product. Some brands, like Fenty, offer 56 shades of the Pro Filt’r Soft Matte Longwear Liquid Foundation, while others, like Elizabeth Arden’s Flawless Finish Mousse Makeup, is only available in six shades. Your needs when it comes to shade preference will differ based on your undertones, but you should choose a brand that caters to you — not the other way around.

Finish

For Alex Babsky, celebrity makeup artist to stars like Florence Pugh and Naomi Campbell, full coverage is perfect for disguising breakouts and bumps. “I’d only really choose to use a full-coverage foundation if I’m trying to disguise the appearance of texture on the skin, in which case I’d look for a more matte foundation, which gives a more ‘flat,’ uniform finish, making texture less visible," he explains.

But if matte isn't your thing and you're looking for a finish that's a bit more luminous, there are several other versions from radiant to satin finishes. For example, the Estée Lauder Double Wear Stay-in-Place Matte Powder Foundation will undoubtedly supply you a no-shine, matte finish thanks to its finely-pressed powder formula, but the Ilia True Skin Serum Foundation is made to look and feel lighter on the skin and let your natural glow shine through with its radiant finish, courtesy of its niacinamide-infused formula. Your desired finish is up to you, and there are several options out there to help you achieve your desired base. 

Skin Type

One of the most crucial factors to consider when it comes to foundation (especially when it’s full-coverage) is the type of skin you have. Those with dry skin will want to look for a foundation that has moisturizing components rather than shine-reducing properties, which usually do a little more leg-work to restrict oil production in the skin, thus leading to dry patches and the dreaded cake-y look. On the other hand, however, people with naturally oily skin will want to opt for a shine-reducing or sweat-resistant formula, like that of the Fenty Pro Filt’r Soft Matte Longwear Liquid Foundation, which is made to keep your makeup from turning into a greasy finish.

PEOPLE / Jessica Juliao

How We Tested

Our testers came into the lab with fresh faces, but still cleaned their skin with a makeup wipe to remove any buildup of oil or sebum that may have been produced on the commute. Each volunteer then tested their moisture levels with a moisture reader, recording their hydration levels before and after foundation application. They then applied moisturizer, waited until it was absorbed, and applied the foundation of their choosing with either a makeup sponge, brush, or their fingers. After the first layer, they examined their skin for coverage, evenness, and feel. They then reapplied layers until their desired coverage was met and analyzed the final results after ten to fifteen minutes of drying time. Once the makeup was fully dried, they rated its performance on the categories of coverage, texture, wear, finish, and transfer resistance, rating each on a scale of one to five (with five being the best). Each tester evaluated their moisture levels one last time to see if the product had in fact increased or decreased their hydration levels and took this into consideration as well, based on the product and what it promised.

Frequently Asked Questions

  • Babsky offers his tips for ensuring perfectly blended makeup when using a thicker product: "If I have to apply a full-coverage foundation, I spend a lot of time preparing the skin, cleansing and moisturizing to supply a supple, fresh complexion into which I can really blend out a fuller coverage seamlessly — skin that’s too dry will end up looking cake-y with a full coverage over it," he explains. "I also like to apply the foundation with my fingers so that I can really fuse it firmly with the skin and ensure it’s not just sitting on top of it."

  • Most foundations aim to even your skin tone and make your skin look like skin but better, and full-coverage foundations pack a little more of a punch. These formulas tend to be a bit thicker or at least more pigmented than your run-of-the-mill foundation, covering dark spots, hyperpigmentation, blemishes and more with a small amount of the product. This potent type of product is meant to be used lightly, or you can use a medium-coverage foundation and layer it to build up the level of coverage.

  • While there are no rules as to when and where you can wear certain types of makeup, you may feel more drawn to one product over another depending on the occasion. For many people, a simple tinted moisturizer or medium-coverage foundation will be perfect for their day-to-day, as this feels more casual and (usually) feels lightweight on their skin. But if you’re Getting ready for an event where there may be pictures taken, you may want to opt for a matte-finish, full-coverage foundation if you have blemishes and discoloration you're looking to hide.

What Is PEOPLE Tested?

We created the PEOPLE Tested seal of approval to help you find the very best products for your life. We use our unique methodology to test products in three labs across the country and with our network of home testers to determine their effectiveness, durability, ease of use, and so much more. Based on the results, we rate and recommend products so you can find the right one for your needs.

But we don’t stop there: We also regularly re-review the categories in which we’ve awarded the PEOPLE Tested seal of approval — because the best product of today might not be the best of tomorrow. And by the way, companies can never buy our recommendation: Their products must earn it, fair and square.

In short, PEOPLE Tested provides recommendations you can trust — every day, every purchase.

Want more product recommendations? Check out all of our PEOPLE Tested content.

Mon, 21 Nov 2022 06:29:00 -0600 en text/html https://people.com/best-full-coverage-foundations-6830351
Killexams : Alzheimer's Foundation offering free tests during month of November

November is Alzheimer's Awareness Month. The Alzheimer's Foundation has a free test to let you know if you should follow up with a doctor.

NEW ORLEANS — Every three seconds someone in the world develops a case of dementia.
The estimated cost of that brain illness is a staggering $1.3 trillion.
But you can lower your risk by knowing the risk factors, ways to prevent brain decline and by taking a free memory test.

Stephen Melancon has to mentally multi task daily.  As the WWL-TV News assignment manager, he's the logistic guy, keeping track of all the story pitches coming in, what's getting covered, and at every moment where all of the camera and reporter crews are, in case there’s breaking news. So, when we needed someone to take the live memory test for our story, he volunteered.

“Both my grandmother's dealt with Alzheimer's and, or dementia. So, it runs in my family. So, I'd like to know,” Melancon said.

The test is quick and easy. It takes less than 10 minutes. And it's free for adults of any age.

“Banana, sunrise, chair,” Melancon says to the test instructor. “Alright. Excellent. Please spell the word ‘world’ backwards,” she asked him.

The confidential memory test is given virtually by the Alzheimer's Foundation of America, year around.

“Memory screenings are something that everybody should get. Just as you get regular screenings for your cholesterol, or your blood pressure, there's different types of cancer screenings that we undergo. It's important to get a check up from the neck up too,” Chris Schneider, Communications Director for the Alzheimer’s Foundation of America said.  

After Stephen came up with 24 words starting with a "C" in 60 seconds, and 18 types of animals, he got his score.

“So, you got an overall score of 41, which is a great score. The way this works is there is a threshold of 23, and you score well above that,” the tester explained to Stephen.

The Alzheimer’s Foundation says being proactive when it comes to brain health is important. So, early detection of impairment is vital.

“Because it gives you a greater opportunity to start medications sooner, to help slow the progression of some of the symptoms when they're most effective, it affords you greater opportunity participate in a clinical trial, it allows you to start different therapeutic intervention sooner. It also gives you a greater say in developing your care plan,” Schneider said.

But early screenings are also good because you could find the memory change is related to something treatable. Some of those are:

  • A vitamin deficiency of D or B-12 
  • Sleep apnea or sleep deficiency
  • Depression
  • Thyroid imbalance
  • UTI

For long-term brain protection:

  • Regular exercise creates new brain cells
  • Sleep is when the brain regenerates
  • Eat a diet of whole, not processed packaged foods.
  • Take fish oil daily
  • Get rid of stress, with actions like meditation
  • Cut alcohol to get increases problem-solving, attention span, and rational thinking
  • Stop smoking
  • Keep a normal weight
  • Don’t let your body have an estrogen deficiency after menopause.

Two-thirds of people with Alzheimer's are women. Studies show estrogen is the master regulator of the female brain, playing a role in energy, immunity, cell growth, and communication. Early natural, or surgical menopause, puts women at an increased risk for dementia earlier in life. One study showed women on non-oral HRT, like patches or implants or injections, had a substantial decline in Alzheimer's, Parkinson's, and multiple sclerosis. HRT is most protective when started early, even in perimenopause.

The Alzheimer's Foundation has already screened five million people, but they commonly hear a reason for avoiding the test.

“There's some fear there in terms of if they have a problem, they don't want to know,” Schneider said.

“Today's date is November 14, Monday 2022,” Melancon answers in the screening. 

So for now, Stephen has a memory baseline for a comparassion for his annual tests.

The Alzheimer's Foundation also has support for caregivers.
For more on that or to make an appointment for the free memory screening, click here.

► Get breaking news from your neighborhood delivered directly to you by downloading the new FREE WWL-TV News app now in the IOS App Store or Google Play.

Mon, 14 Nov 2022 15:32:00 -0600 en-US text/html https://www.wwltv.com/article/news/health/alzheimers-foundation-offering-free-test-during-month-of-november-health-meg-farris/289-9e31d8d5-14c3-4663-95f8-b2faf4d6f34a
Killexams : How to get no-exam life insurance
Daughter on father's shoulders in front of suburban home
No-exam life insurance policies can be beneficial for a variety of policyholders.  Getty Images

Life insurance helps you provide for loved ones after your death. With life insurance policies, your beneficiaries get a cash payment when you're gone, one they can then use toward funeral expenses, unpaid bills or other expenses.

Most insurance companies require a medical exam before they approve you for life insurance coverage. You may be uncomfortable with this, or want to avoid it. Enter no-exam life insurance.

Many kinds of people may find no-exam life insurance appealing. No-exam policies can be smart if you have a pre-existing health condition, terminal illness, are a smoker or have a risky job (like fire fighting or construction). 

Or, you may need life insurance as collateral for a loan or a sudden change in marital status like divorce. Seniors may bump up against age limits for some traditional kinds of policies and find no-medical exam life insurance worthwhile. 

If you think you would benefit from a no-exam life insurance policy then reach out to an insurance pro now. They can help you get started with a free price quote so you know exactly what to expect

No medical exam life insurance comes in both whole life and term life policy forms. Though there's no medical exam, each insurance type may ask for some health information on the application. Premiums are often more expensive than traditional life insurance policies that require medical exams. They can also provide significantly lower coverage. Guaranteed life policies, for instance, are often $25,000 in coverage or less.

Types of no-exam life insurance policies to know

The first step in getting no-medical exam insurance is deciding what kind is right for you. Here are four main types

  • Simplified issue: This insurance is often for people, including seniors, who are generally in good health but may have a few chronic health issues or medical conditions. The application typically includes a short health questionnaire.
  • Guaranteed issue: These life insurance policies are aimed at older seniors or those who are in poor health. They don't require a medical exam and certain a comparatively small death benefit for your beneficiaries. A few medical questions may be required.
  • Accelerated underwriting: Sometimes called "instant" life insurance, this type uses artificial intelligence to gather and analyze data in lieu of a physical exam. Insurers may seek information like prescription history, driving records or previous medical exams to determine risk and cost. You may also be asked to fill out a detailed questionnaire or do a phone interview. The method can cut approval time from days or weeks to hours.
  • Group life insurance: If you're working, your employer may also offer group life insurance policies without requiring a medical exam, sometimes for free. The drawback? You likely lose coverage if you leave or lose your job.

If you think you would benefit from having a no-exam life insurance policy then reach out to a professional now or use the table below to start searching for providers.

Finding a provider for no-exam life insurance

Seek advice from an insurance agent, your financial adviser, or another expert before you apply in order to be certain that no-exam life insurance is the best option for you. 

From there: 

  • Shop around for several quotes. Coverage and premiums can vary widely. 
  • If you are a veteran, check the U.S. Veterans Administration for lower-cost providers.
  • If you are working, check to see if your employer is offering group life insurance.
  • Consider whether a whole life or term life type of policy is right for your circumstances.
  • Seek out customer reviews and complaints to review.  

Filling out the application

Once you've decided on a no-exam life insurance provider, you'll need to fill out an application. Depending on the policy type, you can expect:

  • Some basic questions, including those about your weight, date of birth, lifestyle habits such as smoking, drinking, recreational drug use, exercise and activities like extreme sports. 
  • Details of your health history and medication use (except with most guaranteed life insurance applications, which can be pricey). 
  • A request for financial information such as income and credit history.
  • A request letter from your primary care doctor about your health.

Be honest with your answers. A life insurance company can deny coverage or payout if you aren't being truthful on your application, like if you lie about smoking. 

Follow the instructions to submit your application. Once you've submitted, it can take just hours for accelerated underwriting approval to weeks depending on the type of no-exam policy you're seeking.

Get started now and see what you can qualify for!

Thu, 17 Nov 2022 07:58:00 -0600 en-US text/html https://www.cbsnews.com/news/how-to-get-no-exam-life-insurance/
Killexams : ICAI CA Foundation exam December 2022: Mock Test From Tomorrow; Apply At Icai.org
ICAI CA Foundation exam December 2022: Mock Test From Tomorrow; Apply At Icai.org
ICAI CA Foundation exam December 2022 Mock Test

Image credit: Shutterstock

New Delhi:

The Institute of Chartered Accountants of India (ICAI) will conduct the mock test paper series 2 from tomorrow, November 28. Candidates can register online for the mock test through the official website– icai.org. The CA Foundation mock test series 2 will be held from 2 pm to 5 pm on November 28 and November 29. The mock test on November 30 and December 1 will be held from 2 pm to 4 pm.

Recommended: get Free Important E-Books Releated to ICAI exam Preparation. Click Here

ICAI's official website reads: “In continuation of Mock Test Paper Series – I, the Board of Studies (Academic) is commencing Mock Test Papers Series – II from November 28, 2022 for students appearing in CA Foundation December 2022 examination.”

According to the schedule, the question papers for each subject of the mock exam will be provided at the BoS Knowledge Portal by 1:30 pm every day. Additionally, the answer keys, which will allow students to evaluate their performance, will be uploaded within 48 hours after the commencement of the paper.

The subject of the mock test series includes Principles and Practice of Accounting, Business Laws and Business Correspondence and Reporting, Business Mathematics and Logical Reasoning and Statistic, Business Economics and Business and Commercial Knowledge.

The CA foundation series 2 mock test will be conducted in physical or virtual mode. Those students appearing in the physical mode need to contact their respective regional councils and respective branches. The CA December 2022 exam is scheduled to be held on December 14, 16, 18 and 20, 2022.

Wed, 30 Nov 2022 10:00:00 -0600 en text/html https://www.ndtv.com/education/icai-ca-foundation-exam-december-2022-mock-test-from-tomorrow-apply-at-icaiorg
Killexams : ICAI CA Foundation Exam: 2nd mock test from November 28 to December 1

Institute of Chartered Accountants of India (ICAI) will hold the second mock test for CA Foundation December examination between November 28 and December 1.

“In continuation of Mock Test Paper Series – I, the Board of Studies (Academic) is commencing Mock Test Papers Series – II from November 28, 2022 for students appearing in CA Foundation December 2022 examination,” ICAI said in a notification.

The mock test will be conducted in both physical and virtual modes. Those who want to appear in this test in physical mode can contact their respective regional councils & branches, ICAI said.

Registration link and schedule.

Admit cards for CA Foundation exam expected are soon. When published, students can get it from icai.org or eservices.icai.org.

The exam will be held on December 14, 16, 18 and 20, 2022. Papers 1 and 2 will be held for 3 hours from 2 pm to 5 pm and papers 3 and 4 will be held for 2 hours from 2 pm to 4 pm. Candidates can answer papers in English or Hindi

Wed, 23 Nov 2022 02:03:00 -0600 en text/html https://www.hindustantimes.com/education/competitive-exams/icai-ca-foundation-exam-2nd-mock-test-from-november-28-to-december-1-101669199077622.html
Killexams : The Best Foundations With Skincare Perks

It's 2022, and foundation formulas have come a long, long way.

Charlotte Tilbury/ Nars/ Cle de Peau/ InStyle

Back in the day, there was the risk that a product could clog your pores and break you out. And while that can still be the case today, many foundations are now jam-packed with skincare benefits, and it makes perfect sense.

If I wear this product almost daily, I want to see my skin transform for the better over time. Why didn’t we think of this sooner? I say, better late than never!

But with the emergence of so many new multitasking foundations, choosing the right one for you can be hard to navigate. As a makeup artist and beauty expert, I am here to guide you in the right direction — and the following hybrid foundations have got you covered (quite literally).

01 of 05

NARS Light Reflecting Advanced Skincare Foundation

Nars

To shop: $50; narscosmetics.com

Ever since this foundation launched, I have been utterly obsessed, to say the least. The finish leaves you with the look of a glowy goddess with naturally luminous skin. I like to layer this foundation for medium, buildable coverage. In terms of skincare, the formula is infused with biomimetic oat, which helps reduce the appearance of redness, along with Japanese lilyturf to help retain moisture. Cacao peptides and milk thistle help reduce the effect of blue light and environmental stressors on our skin. Pro tip: If you have oily skin like myself, and happen to find this formula too shiny, mix in your favorite mattifying foundation and you’re good to go!

02 of 05

L’Oréal Paris True Match Nude Plumping and Hydrating Tinted Serum with 1% Hyaluronic Acid

Amazon

To shop: $14; amazon.com

This viral sensation is a fan favorite for a reason. L’Oréal hit the nail on the head with this foundation-serum hybrid. The addition of one percent hyaluronic acid makes all the difference by visibly plumping and hydrating the skin. Studies claim that skincare benefits can be seen in as little as three weeks. I find myself reaching for this when I want a quick light base on days I’m strapped for time. You can apply this with your fingers as you would a serum for buildable coverage. I love finding drugstore gems, and this one is a diamond in the rough.

03 of 05

Clinique Even Better Clinical Serum Foundation Broad Spectrum SPF 25

Clinique

To shop: $30; clinique.com

Funny story, I actually stumbled upon this foundation, and it shook me. The finish is natural and looks flawless on the skin. I’m someone who struggles with large pores, and my skin was blurred! The coverage is full, and I mean full – not a single spot was left on my face once it was applied. The formula is filled with hyaluronic acid to hydrate, vitamin C to brighten and salicylic acid to re-texturize the skin. Not to mention that it also contains SPF 25, an added bonus. Based on clinical results, over time this formula helps brighten dark spots, discoloration, and improves smoothness. What does this foundation not do?

04 of 05

Clé de Peau Beauté The Foundation

Cle De Peau

To shop: $270; cledepeaubeaute.com

Have you ever encountered a foundation that sits on a throne? Me neither! This foundation was a splurge for me, but everything about it screams luxury. So get ready for some fancy terminology: The formula contains precious lakesis complex with chai hu extract for elasticity, Japanese prickly ash, thyme and chestnut rose extracts to firm, along with a skin-empowering illuminator to help shield internal and external stressors on the skin. The Foundation comes with a tiny golden spatula to distribute the product and I think of this whole experience as self-care. I feel like a princess when applying this sheer formula and my skin looks so plump and hydrated afterwards. Treat yourself, you deserve it! 

05 of 05

Charlotte Tilbury Beautiful Skin Medium Coverage Liquid Foundation with Hyaluronic Acid

Charlotte Tilbury

To shop: $46; sephora.com

This Charlotte Tilbury foundation is worth all the hype. The ultra-hydrating, vegan formula looks like a second skin with an added glow. The coverage is medium, but you can layer it up and apply it with brush for a bit more coverage. Pro tip: I like to spot conceal before applying this foundation, so my dark spots are already out of sight. Hyaluronic acid in the formula helps hydrate and plump, so if you have dry or combo skin, you’re going to love this. The formula also includes bix’ activ to smooth, rose complex to brighten and coconut extract to plump – with all these hard hitters, you can be sure that your foundation will be working overtime.

Thu, 01 Dec 2022 16:30:00 -0600 en text/html https://www.instyle.com/foundations-with-skincare-benefits-6832570
Killexams : The 6 Best Vegan Foundations © Provided by Bustle

When you're looking for specifics in your makeup, some qualifications can be hard to pin down (think words like "clean" or "natural,” which lack a clear, common definition within the beauty industry). But other criteria you might consider crucial, such as whether or not a product is vegan, are actually easy to identify. Whether you're just starting to build a vegan beauty routine or you’re looking for some new products to add to your long-established collection, your daily foundation is a great place to start. The best vegan foundations have formulas that are entirely free from animal-derived ingredients or animal by-products, such as beeswax, honey, and collagen. With that established, you can further narrow things down by taking into account your own personal preferences. On the list ahead, you'll find liquid, powder, and even stick foundations that provide a variety of finishes and coverage levels. Because these foundations don't contain any animal-derived ingredients, you'll also notice that they contain more plant-based ingredients, like aloe vera and grape seed oil, which offer plenty of skin care benefits.

Vegan and cruelty-free are often used interchangeably in the beauty world. And while you'll typically find that most vegan beauty products are also cruelty-free, the same doesn't always hold true the other way around. (Vegan means that the product is free from animal-derived ingredients, while cruelty-free means that the product has never been tested on animals.) Typically, you'll be able to identify a vegan product by combing through the label on the box or visiting the company's website where you can find a vegan callout in the product's description or on the company's FAQ page. But if you're on the hunt for more information about vegan beauty products and brands, there are several organizations you can turn to, including PETA and Ethical Elephant.

Shop The Best Vegan Foundations

In a hurry? Here are the best vegan foundations:

  1. Best Liquid Matte Vegan Foundation: Cover FX Power Play Foundation
  2. Best Liquid Matte Vegan Foundation Under $20: NYX Can't Stop Won't Stop Foundation
  3. Best Pressed Powder Vegan Foundation: Mineral Fusion Pressed Powder Foundation
  4. Best Pressed Powder Vegan Foundation With SPF: PÜR Cosmetics 4-In-1 Pressed Mineral Makeup SPF 15
  5. Best Vegan Stick Foundation: Mented Cosmetics Skin By Mented
  6. Best Vegan Skin Tint: ILIA Super Serum Skin Tint SPF 40

1. Best Liquid Matte Vegan Foundation

Cover FX Power Play Foundation

Amazon

© Provided by Bustle

For oily skin types or anyone looking for a full-coverage foundation that still feels lightweight, Cover FX’s Power Play Foundation has you covered. The liquid foundation is waterproof, sweat-proof, and buildable, so you can achieve medium coverage with a light layer of product or build it up for fuller coverage. Rice hull powder gives the foundation a soft matte finish and helps absorb excess oil and sweat from skin throughout the day, while ingredients like rice bran wax and fermented algae extract leave skin feeling smooth (and even offer protection against environmental stressors like pollution). The brand reports that all of its products are vegan and cruelty-free, and the foundation is also free of parabens, phthalates, mineral oil, talc, and fragrance.

Finish: Natural Matte Coverage: Medium To Full Available Shades: 36

Relevant Review: "Feels like you have nothing on. It matches my skin tone perfectly and doesn't dry out my face. I've tried many different products over the years, and I would have to say that this one by far is the best."

2. Best Liquid Matte Vegan Foundation Under $20

NYX Can't Stop Won't Stop Foundation

Amazon

© Provided by Bustle

Finding vegan makeup doesn't necessarily mean you have to spend more money. In fact, drugstore brands like NYX have made a commitment to offering more products that are cruelty-free and vegan, and its Can't Stop Won't Stop Foundation is a fan favorite with more than 8,000 five-star Amazon ratings. With an impressive 45-color shade range, the foundation provides long-lasting, waterproof coverage. Those with oily and acne-prone skin will also be happy to know that this is a noncomedogenic formula that won't clog pores and works to minimize shine.

Finish: Matte Coverage: Full Available Shades: 45

Relevant Review: "Hands down the best foundation I have ever used. Has a matte finish. I've tried dozens and this is the one that goes on with excellent coverage and a flawless finish. I don't have to use a primer, nor do I have to use a finishing spray. I can just put the foundation right onto my face and look perfect until the moment I take it off."

3. Best Pressed Powder Vegan Foundation

Mineral Fusion Pressed Powder Foundation

Amazon

© Provided by Bustle

Powder foundations tend to get a bad rap for feeling dry on skin or leaving it looking cakey, but Mineral Fusion’s Pressed Powder Foundation solved that problem with its vegan, matte-finish formula that still manages to be moisturizing. The hypoallergenic and fragrance-free pick uses a blend of skin-soothing and moisturizing ingredients like white tea leaf extract, pomegranate seed extract, and vitamin E to leave skin looking and feeling smooth.

Finish: Matte Coverage: Light To Medium Available Shades: 24

Relevant Review: "Works so well on my highly sensitive skin. Does not cause any breakouts and works as an eyeshadow primer and concealer as well. Has reduced my time in the morning by 10 minutes. Would recommend to anyone with oily and acne-prone skin, as it allows you to go from matte to dewy throughout the day. Never cakes up even after sweating. Any smudges are easy to blend with your hands as well. Love this and will never use another foundation again."

4. Best Pressed Powder Vegan Foundation With SPF

PÜR Cosmetics 4-In-1 Pressed Mineral Makeup SPF 15

Amazon

© Provided by Bustle

Another vegan pressed powder compact, PÜR Cosmetics gives you SPF 15 protection using titanium dioxide (you'll still want to apply an SPF 30 or higher sunscreen underneath this to keep your skin properly protected, though). The brand’s 4-In-1 Pressed Mineral Makeup SPF 15 is a light-to-medium-coverage foundation that even includes a mirror for easy on-the-go application. While the powder is infused with multiple nourishing ingredients like shea butter and vitamin E, if your skin is on the sensitive side, you may want to sit this one out since it also contains retinol and lactic acid.

Finish: Natural Coverage: Light To Medium Available Shades: 22

Relevant Review: "I really like this product. It never looks cakey, it doesn't dry out my skin, yet it covers the shine and gives a nice sheer, smooth finish. As another reviewer has said, it doesn't last all day. That might be the only drawback. I definitely noticed that after five or six hours it could use a re-application. Otherwise, I'd say it's a perfect product for me. Bonus that it has SPF."

5. Best Vegan Stick Foundation

Mented Cosmetics Skin By Mented

Amazon

© Provided by Bustle

For a creamier texture that's great for dry skin, Mented Cosmetics created this Skin By Mented foundation stick. The buildable-coverage foundation replaces beeswax (a common animal-derived ingredient) with vegetable-derived candelilla wax, which gives this a richer feeling as it glides over skin. Ingredients like hyaluronic acid, grape seed oil, and castor seed oil provide this hypoallergenic foundation with even more moisturizing benefits. And while the shade range isn’t as extensive, Mented Cosmetics is a Black-owned beauty brand that was founded with the intention of creating makeup that's more inclusive for darker skin tones.

Finish: Natural Coverage: Light To Medium Available Shades: 16

Relevant Review: "This foundation/concealer stick has a nice light, creamy finish. I like that it lays smooth and pretty much melts into your skin. It’s thick, but not the bad kind of thick where you feel like it’s sitting on top of your skin - it definitely blends in evenly. I have eczema, so I also like that it’s cruelty free and doesn’t have a bunch of products and chemicals in it. I’m definitely considering ordering another [stick] to use as concealer moving forward. 10 out of 10!"

6. Best Vegan Skin Tint

ILIA Super Serum Skin Tint SPF 40

Amazon

© Provided by Bustle

Skin care comes first with ILIA’s Super Serum Skin Tint SPF 40, which starts with mineral sun protection courtesy of non-nano zinc oxide. Plant-based squalane and hyaluronic acid help to keep skin moisturized (and supply the tint its dewy finish), while multi-tasking niacinamide has skin-calming and brightening benefits. Though it calls itself a skin tint, dozens of Amazon reviewers report that the formula gives surprisingly good coverage, making it more akin to a foundation. Plus, it's free from silicones, fragrances, and oils, making it a solid choice for both sensitive and acne-prone skin types.

Finish: Dewy Coverage: Light Available Shades: 28

Relevant Review: "I typically don’t wear foundation and was looking for something that wasn’t cakey or full coverage and this is perfect! I have sensitive skin and this checks all the boxes for that. I will definitely re-purchase once this bottle is gone!"

About The Author:

Marissa DeSantis has worked as a beauty writer and editor for nearly 10 years. Her pieces can be found across print and digital publications like Bustle, Evening Standard, Teen Vogue, and InStyle.

Sat, 29 Oct 2022 01:14:00 -0500 en-US text/html https://www.msn.com/en-us/health/other/the-6-best-vegan-foundations/ar-AA13vPzo
Killexams : ICAI CA Foundation December 2022: Session 2 mock test to begin today

Summary

The mock test question papers for CA Foundation for each subject will be uploaded at the BoS Knowledge portal as per schedule by 1:30 pm every day

These CA Foundation mock test series are scheduled to continue till 1 December

The mock test series 2 for December 2022 CA Foundation examination will be conducted by the Institute of Chartered Accountants of India (ICAI) from today, 28 November from 2 pm to 5 pm. ICAI CA Foundation mock test series 2 will be held in both physical and virtual modes.

These CA Foundation mock test series are scheduled to continue till 1 December. The mock test question papers for CA Foundation for each subject will be uploaded at the BoS Knowledge portal as per schedule by 1:30 pm every day.

Candidates are required to register themselves at– bosactivities.icai.org in order to attempt the CA Foundation mock test series. Additionally, students can also appear in physical mode from their respective regional councils and branches.

As per ICAI guidelines, students must get and attempt mock test papers within the stipulated time limit only. Answer keys to the CA Foundation mock test papers series 2 will be uploaded within 48 hours from the date and time of commencement of the respective paper for students to assess their performance.

CA Foundation mock test series: Steps to register

  • Log in to the website- bosactivities.icai.org
  • Sign in using your student registration number and date of birth
  • Click on the tab “Go”
  • A screen will be displayed for candidates to attempt the CA Foundation mock test series 2
  • Candidates will be able to attempt the mock test virtually

CA Foundation December 2022 exams are slated to be held in offline mode from 16 December to 20 December 2022. The CA Foundation admit cards will be out in the first week of December. Registered candidates can get the admit cards from the examination portal using their respective login credentials.

Read More | ICAI CA Foundation: Mock test series 2; check full schedule here

Last updated on 28 Nov 2022

Sun, 27 Nov 2022 16:48:00 -0600 text/html https://www.telegraphindia.com/edugraph/news/icai-ca-foundation-december-2022-session-2-mock-test-to-begin-today/cid/1900676
Killexams : ICAI CA December 2022 Foundation exam Mock Test From November 28; Registration Underway
ICAI CA December 2022 Foundation exam Mock Test From November 28; Registration Underway

ICAI CA Foundation exam mock test

New Delhi:

The Institute of Chartered Accountants of India (ICAI) which is set to hold the CA December 2022 exams on December 14, 16, 18 and 20 will conduct the second series of mock tests from November 28. Candidates appearing in the December CA exams can register for the mock tests at icai.org. The ICAI CA mock test will be held in physical and virtual modes. For students appearing in physical mode will have to contact their respective regional councils and respective branches.

Recommended: get Free Important E-Books Releated to ICAI exam Preparation. Click Here

The ICAI CA mock test for December Foundation will begin on November 28, 2022 and will continue till December 1, 2022. The CA December Foundation exam timings for the mock test series 2 have been scheduled to be conducted between 2 pm and 5 pm and 2 pm and 4 pm on November 28 - 29 and November 30 and December 1 respectively.

November 28

2 PM to 5 PM

Paper-1: Principles and Practice of Accounting

November 29

Paper-2: Business Laws and Business Correspondence and Reporting

November 30

2 PM – 4 PM

Paper-3: Business Mathematics and Logical Reasoning & Statistics

December 1

Paper-4: Business Economics and Business and Commercial

Link for registration in Student Activities Portal: bosactivities.icai.org

List of Regional Councils/Branch Offices of ICAI: drive.google.com/file/d/1f8EZj-p_kM94JpEd4TjfOqyM7CzvCX8z/view?usp=share_link

Question papers for each subject of the CA Foundation mock test, ICAI said, will be uploaded at BoS Knowledge Portal on the icai.org as per schedule by 1:30 pm every day during this period. Students are advised to get and attempt MTPs in the stipulated time limit. Answer keys to the papers will be uploaded within 48 hours from the date and time of the start of the respective paper, as per schedule through which students can assess their performances.

Sun, 27 Nov 2022 10:00:00 -0600 en text/html https://www.ndtv.com/education/icai-ca-december-2022-foundation-exam-mock-test-from-november-28-registration-underway
Killexams : No-exam life insurance policies: Everything to know
Prepare today for a secure tomorrow
To get a no-exam life insurance policy, you can search online for simplified or guaranteed issue policies, which are relatively common.  KATLEHO SEISA / Getty Images

Obtaining life insurance can help you pass money on to your family or other beneficiaries after your death. But not all life insurance policies are the same. Not only can there be differences in factors like monthly premiums and policy limits, but there can also be varying requirements to qualify for a life insurance policy.

One route that some people take is obtaining a no-exam life insurance policy, meaning you don't have to visit a doctor to be eligible. If you don't want to make an extra trip to the doctor's office or you're concerned the exam results could lead to even higher costs, then this may be a reasonable option. 

Here's a look at some of the top life insurance providers available. 

Before you make any final decisions, let's take a closer look at what no-exam life insurance policies are — and why you might consider going this route.

What is no-exam life insurance?

No-exam life insurance can include several different types of life insurance that do not require medical exams to initiate coverage. Here are two examples:

  • Simplified issue life insurance: This type of insurance can be for either term life insurance or whole life insurance. As the name implies, these policies follow a simplified process. Rather than needing a medical exam, you can answer a few basic questions and get a decision online in just a few minutes.
  • Guaranteed issue life insurance: This type of policy typically applies to permanent life policies. This is geared more toward those with health conditions and who may be older, so they can benefit those who want a certain to qualify, rather than being rejected following a medical exam. However, these policies typically have a waiting period of a couple of years, meaning the benefits might not kick in for someone who dies shortly after applying.

How to get a no-exam life insurance policy

To get a no-exam life insurance policy, you can search online for simplified or guaranteed issue policies, which are relatively common. You can also dig into the offerings of different insurance companies, as even if an insurance provider uses different terminology, they might still allow for coverage without an exam.

To learn more about different types of life insurance policies and options, speak to an expert. Haven Life, a New York City-based life insurance agency, can walk you through the process. You just need to answer a few basic questions to get a free quote.


Don't assume that just because something isn't specifically called a "no-exam life insurance policy" you need an exam. Regardless of what the provider calls the policy, check the fine print to see if you need a medical exam or not.

Some providers also offer options like being able to convert a term life insurance policy into a whole life insurance policy without needing a medical exam. That's not to say that you're always better off converting vs. taking out a new policy, but it could be worth considering.

How much does no-exam life insurance cost?

No-exam life insurance policies typically cost much more than ones with medical exams. That's because the insurer needs to account for the extra risk that can come from not knowing enough about your medical situation.

For example, with one major life insurance provider, a simplified issue life insurance policy for a 20-year/$500,000 term for a 40-year-old, non-smoker woman in good health in California costs nearly $50 per month. In contrast, the same type of policy for regular term life insurance with a medical exam only has an estimated cost of $30 in monthly payments.

You can also compare prices and plans by scouring life insurance providers online and getting free quotes.

Is no-exam life insurance worth it?

There can be a cost to the convenience of no-exam life insurance policies. But it's also possible that the economics work out in your favor. It's possible that something would be discovered during a medical exam that increases your risk to the insurer, thereby raising your rates or perhaps even making you ineligible altogether. No-exam life insurance policies can also benefit those who don't qualify for typical life insurance due to factors such as age or medical history. 

However, if you're in relatively good health, meet a prospective insurer's age requirements and are comfortable seeing a doctor, then this type of insurance may not be for you — as you may secure a lower price with the medical exam.

Bottom line

Overall, a no-exam life insurance policy can offer a path for some higher-risk individuals to obtain life insurance or it could be a good way to quickly obtain coverage. However, you might be able to find lower rates if you go through with a medical exam, so it could be worth exploring your options to see what best fits your budget and goals.

Wed, 30 Nov 2022 15:13:00 -0600 en-US text/html https://www.cbsnews.com/news/what-is-no-exam-life-insurance-policy/
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