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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 test 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 test 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 test 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 test and guarantee 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 : Testicular Exam

What Is a Testicular Exam?

A testicular test is a check of the look and feel of your testicles, to see if there may be any problems. You or your doctor can do it.

The testicles are part of a man’s sex organs. They’re in a pouch called the scrotum, located behind and below the penis. They make sperm and the male hormone testosterone.

Who Needs a Testicular test and How Often?

Every man should have a testicular exam. There is no recommendation that a testicular test should be part of your annual physical exam. But your doctor may suggest that you do a self-exam on a regular basis. Some doctors recommend checking your testicles once a month. Others say it's fine to have your doctor check once a year.

If you are having problems, or notice a lump or other changes in how your testicles feel or look, tell your doctor.

Exams can be a good way to find lumps that could be cancer or another problem.

How to Do a Testicular Exam

There’s no harm in a self-exam, and doctors say it’s good to know how your testicles look and feel so you can notice any changes.

A self-exam is quick and painless. It takes only a few simple steps:

  1. Take a warm shower or bath to allow the heat to relax the skin of your scrotum.
  2. Hold your penis out of the way.
  3. Examine one testicle at a time using both hands. Roll it between your thumb and fingers.
  4. Feel for a pea-sized lump. If you see or feel something like that, contact your doctor. It’s probably nothing to worry about, but it’s important you make note of it.
  5. Check for any changes in the size, shape, or feel of your testicles. One might be of a different shape or size than the other. That’s OK, but the shapes and sizes shouldn’t change. One might hang lower than the other. That’s normal, too.

Don’t worry if you feel a cordlike structure behind each testicle. It’s a normal part of the part of the scrotum that stores and moves sperm. It’s not a lump.

Is It Testicular Cancer?

If there is a suspicious lump, your doctor might run a painless ultrasound to get a better look for signs of cancer. They might do a blood test to see if there’s an indication of cancer. If the doctor thinks it may be cancerous, they may decide to do surgery to remove the testicle and check for cancer. If it is cancerous, they can determine what kind.

Removing one testicle shouldn’t impact your sex life or your fertility, but having testicular cancer or its treatment could impact fertility. If you think you may want to have children, talk to your doctor about preserving sperm before treatment.

Here are some facts to know about testicular cancer:

It’s rare: Your chance of getting it is about 1 in 250.

It most often affects men ages 15 to 34: It’s the most common cancer in this group.

It’s highly curable: The risk of dying from it is 1 in 5,000.

Early identification is key: It’s more likely to be treated and cured if it’s found early.

Some things increase your risk: Testicular cancer generally can’t be prevented, but some things increase risk. Your risk is higher if you’re white and non-Hispanic or have an undescended testicle or a family history of testicular cancer.

Other symptoms of testicular cancer

A lump is the most common symptom, but others include:

  • Firm testicle
  • Swelling or fluid buildup in the scrotum
  • Feeling of scrotal heaviness
  • Achiness in the lower belly, groin, or scrotum
  • Breast tenderness or growth
  • Pain or uncomfortable feelings in the testicle or scrotum
  • Back pain
  • Early puberty in boys

A lump or other symptom doesn’t mean you have cancer or any other problem.

Sat, 12 Nov 2022 10:00:00 -0600 en text/html https://www.webmd.com/men/testicular-exam
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 test 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 guarantee 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 test 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 test 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 test 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/
Killexams : The burden that is cheating exams

October 17 marked the start of a two-month period of examinations by Uganda National Examinations Board (Uneb) for primary, and secondary schools. The exercise kicked off with Senior Four exams, later Primary Leaving Exams (PLE) and A-Level exams will follow. However, one of the major challenges the education sector faces is cheating exams.

 Last month, Uneb’s legal officer in liaison with police at Kawempe Police Station, arrested two head teachers and two students for allegedly engaging in malpractice in the Senior Four examinations. 

Teachers, parents and school managers have on several occasions been implicated in cheating exams for their students. Pressure from parents, teachers on children to score good grades has been key in fuelling the vice. Also, the current education system seems to emphasise grades (passing of exams) rather than imparting knowledge.

Some schools aim for good grades to attract more students, thus additional incomes. But cheating exams remains a vice with long term effects on individuals and the country.

During this year’s dedication service for Senior Four candidates of Mbarara High School, the Bishop of Ankole Diocese Rt Rev Sheldon Mwesigwa, said cheating exams is partly responsible for Uganda’s human resource woes.

 “Uganda still faces human resource challenges stemming from morality, integrity and corruption, among others. You cannot start cheating exams for a primary school pupil, or secondary school students and you expect them to leave the vice later in life. You would have already planted an evil seed in these people,” said Bishop Mwesigwa.

He added “Wrong means always end in wrong results, without a positive and honest human resource the country cannot develop because issues of unprofessionalism and corruption will bring down all the positive efforts a country invests in its growth”.

The Bishop also noted most of the young generation has been ruined because of cheating exams.

“We have seen students admitted at universities for courses such as engineering, and medicine but, they cannot make it because they cheated during their lower levels of education. These children would have ended up being better Ugandans if you allowed them to think and grow positively,” added the clergyman.

Mr Ambrose Mugisha, a member of Federation of Uganda Employers (FEU), said most graduates are failing to secure jobs because they were assisted throughout their education through cheating exams.

“You employ people with first class diplomas, degrees or PHD with distinction, but they cannot deliver anything at work. It is very embarrassing and at times this forces employers to shun graduates and instead choose to train their own because they cannot risk their businesses with unskilled people,” Mr Mugisha noted.

He said some of these students cheat their way through institutions of learning but their academic documents are not a representation of their capabilities.

Mr Mugisha cautioned students, parents and schools over graduates’ failure to secure jobs after education because of cheating exams has such long term effects.

Someone might hit certain goals because they cheated exams, but they will always lack confidence to excel without external assistance. Even though this person is employed he or she might not add value to the employer.

Candidates of Teso College Aloet wait to sit for a Physics practical test in 2021. Photo | File. 

“Someone who excels through cheating cannot be independent in terms of reasoning or accomplishing any of their own projects.  They become psychologically disoriented and feel incapacitated to do anything of their own, or if they were employed  they would end up being fired for non-performance,” says Ms Ketrah Buringa, a retired secondary school teacher.

Mr Dennis Akwar, the Uneb principal examinations officer, noted that cheating does not only affect the student’s future but even the country.

“Uganda, as a country we are competing in the world of job market, if our graduates are lacking, then they will not be absorbed. You find a graduate from  a reputable university with qualifications which do not reflect his or her performance. We must join hands to fight test malpractice in this country, ”Mr Akwar while making an appeal during the exact training of examination supervisors, invigilators, head teachers and security personnel from Rwampara and Mbarara districts and Mbarara City against test malpractices.

The Uneb Act 2021 came as a relief against cheating of exams with tougher penalties for example, anyone found leaking examination papers faces either 10 years in prison or pay a fine of Shs 40 million. Also any person including teachers, invigilators, scouts or any other persons who assist candidates to cheat exams is liable to a Shs20 million fine or five years imprisonment or both.

But some stakeholders have come out with preventive measures in their schools, for example, in Church of Uganda schools in Ankole Diocese there is tracking of student’s performance at different levels.

“We started tracking our student’s performance from primary to secondary and higher institutions. If the performance record is drastic at these levels, we have to find what could have been the problem, including interrogating school managers of the possibility of having cheated exams for these students,” said Bishop Mwesigwa.

He said such interventions have helped them check the vice.

Ms Buringa proposed blacklisting some schools suspected of cheating can be another option to stop the vice.

“When I was still teaching, we used to admit pupils and students of high grades from prominent schools but these ended up with very poor grades and even discontinuing some of them. This automatically tells you that these were cheated for and blacklisting admission of students from such schools can also be another option to curb cheating,”  Ms Buringa advised.

Mon, 14 Nov 2022 03:58:00 -0600 en text/html https://www.monitor.co.ug/uganda/news/education/the-burden-that-is-cheating-exams-4019392
Killexams : Investigation launched into nursing test results after more than half fail

An investigation has been launched into why more than half of those who took the Quebec nursing licence test earlier this year failed it, even as the province is struggling with a nursing shortage.

The commissioner for admissions to professions, André Gariépy, will take a look at the results of the exam, his office said in a news release on Monday evening. 

Nursing students have told CBC Montreal that the exam, which is mandatory to obtain a nursing licence in Quebec, didn't reflect what they had been studying in school. 

The nurses' order, known by its French acronym the OIIQ, said 54.6 per cent of students failed the licensing test written at the end of September. For those who took the test for the first time, the failure rate was 48.6 per cent — the highest rate recorded in four years. 

Since 2018, the success rate for first-time test-takers has generally ranged from 71 to 96 per cent. 

Gariépy's office said media coverage and a exact deluge of complaints prompted the investigation. The commissioner, who oversees admissions to professional orders (including nurses) in the province, received 27 complaints about the test in exact days. 

The investigation will focus on the "various concerns that have been raised about the test itself and the status of the candidates." 

The commissioner encouraged nursing candidates who failed the September test to sign up to rewrite it in March. They should also "review the feedback provided on individual performance at the September session," the commissioner wrote, and "review the guides and materials and participate in information activities to prepare for the exam."

Meanwhile, the OIIQ says it won't change its standards. 

The nursing order issued a news release on Tuesday saying its test was not different from past years and it was developed by a panel of experts from clinical and university settings.

"Additional resources" would be put in place to support students, the order said. 

"However, relaxing the criteria is not being considered from a public protection perspective," it added. "Instead, we will focus on targeted support to enable all candidates to pass the test in future rounds."

Nursing candidates have three attempts to pass the exam. The OIIQ said all candidates who failed the September test received a response detailing why they failed and that there were online tools available to pass it, including a guide and preparatory workshops. 

"We are confident that a return to in-person teaching, as well as support for students, will be a factor in success," said Luc Mathieu, the president of the OIIQ. 

In a previous interview with CBC Montreal, Chantal Lemay, a spokesperson for the order, blamed the pandemic's effects on the students' learning environment for the poor test performances.

Chantal Lemay is the spokesperson for the Quebec Order of Nurses. (Radio-Canada)

Joseph Oujeil, a nursing professor at CÉGEP du Vieux Montréal and CÉGEP André-Laurendeau, said he was surprised so many of his students failed the exam. 

He said the failure rate was not normal and comes at a terrible time, as Quebec faces a nursing shortage.

"I think the average results need to be looked at," Oujeil said, suggesting the order make the passing grade 50 per cent instead of the usual 55 per cent.

He said students told him the test "doesn't reflect the real reality of what we're teaching them in school or during their studies and it also doesn't reflect what they've seen in their clinical training."

Anyone with information about the test or the status of those who took it can communicate confidentially with the commissioner by emailing commissaire@opq.gouv.qc.ca

Sat, 19 Nov 2022 19:23:00 -0600 en text/html https://www.cbc.ca/news/canada/montreal/nursing-exam-invesigation-1.6651983
Killexams : Best No-Exam Life Insurance Of December 2022

We scored companies based on these measurements:

Price (50% of score): We averaged the no-exam life insurance rates for males and females in excellent health at ages 30, 40 and 50 for $500,000 and $1 million and a term length of 20 years.

Maximum face amount for lowest eligible age (10% of score): Companies with higher no-exam life insurance coverage amounts for the lowest age earned more points. Note that maximum no-exam coverage can sometimes become lower if you apply at a higher age.

Age eligible for best length/amount (10% of score): Companies offering no-exam life insurance to folks over age 50 earned extra points.

Accelerated death benefit available (10% of score): This important feature lets you access part of your own death benefit in the event you develop a terminal illness

Option to convert to a permanent life insurance policy (10% of score): This is a good option to have in place if you decide you want a longer policy, especially if your health has declined and you don’t want to shop for new life insurance.

Guaranteed renewals (5% of score): This option lets you extend the coverage after your initial level term period has expired, such as at the end of 10, 20 or 30 years.

Renewal rates can be significantly higher, but renewing can provide extended coverage to someone who may no longer qualify for a new life insurance policy because of health.

Median time from application to approval (5% of score): We gave more points to companies with lower no-exam life insurance approval times.

The timeline for approval could be within seconds or a month, depending on the company and possibly even your health.

Sources: Bestow, Ethos, Fabric, Haven Life, Jenny Life, Ladder, Policygenius and Forbes Advisor research.

Looking For Life Insurance?

Compare Policies With Leading Life Insurance Companies

Mon, 05 Dec 2022 20:26:00 -0600 Ashlee Tilford en-US text/html https://www.forbes.com/advisor/life-insurance/best-no-exam-life-insurance/
Killexams : Carahsoft Named TIBCO Federal Partner of the Year for 2022

RESTON Va., Nov. 03, 2022 (GLOBE NEWSWIRE) -- Carahsoft Technology Corp., The Trusted Government IT Solutions Provider®, announced that it has been named the 2022 Federal Partner of the Year by TIBCO, a global leader in enterprise data. The annual awards celebrate the ongoing commitment and success of TIBCO's partner ecosystem.

The TIBCO Partner Excellence Awards recognize partners who demonstrate the ability to develop, market and deliver advanced technology to their customers, as evidenced by growth in revenue, year-over-year growth, and driving demand and pipeline for TIBCO's solutions. Carahsoft was recognized for being instrumental in executing demand generation activities and expanding TIBCO's Public Sector pipeline via integrated marketing activities including webinars, thought leadership, and events. In addition, Carahsoft supports TIBCO in increasing partner solution knowledge through training sessions.

"Our partners are the key to driving success, and every partner brings a unique set of attributes that assist our customers in harnessing data as a competitive advantage," said Tony Beller, senior vice president of worldwide partner ecosystems and OEM sales, TIBCO. "This year's winners show that, through commitment and innovation, anything is possible. By continuing to leverage the partner team, resources, and systems at their disposal, we can help our clients succeed together."

Carahsoft and TIBCO began their partnership in 2018. Carahsoft serves as a TIBCO distributor, bringing TIBCO's integrated platform and analytical insights to the Federal, State, and Local Governments to empower the Public Sector's decision-making process.

"Being named the TIBCO Federal Partner of the Year is a wonderful accomplishment for our team as we work alongside our reseller partners to expand TIBCO's reach in the Public Sector," said Joe Tabatabaian, Sales Director at Carahsoft. "We are proud to see our marketing efforts drive results for TIBCO and are committed to furthering this success in the coming years. Providing the Government with easy access to the tools agencies need is one of our top priorities, and we are thrilled to be a part of offering TIBCO's solutions to achieve the Public Sector's mission."

About Carahsoft

Carahsoft Technology Corp. is The Trusted Government IT Solutions Provider®, supporting Public Sector organizations across Federal, State and Local Government agencies and Education and Healthcare markets. As the Master Government Aggregator® for our vendor partners, we deliver solutions for Cybersecurity, MultiCloud, DevSecOps, Big Data, Artificial Intelligence, Open Source, Customer Experience and more. Working with resellers, systems integrators and consultants, our sales and marketing teams provide industry leading IT products, services and training through hundreds of contract vehicles. Visit us at www.carahsoft.com.

TIBCO is a trademark or registered trademark of TIBCO Software Inc. and/or its subsidiaries in the United States and/or other countries. All other product and company names and marks mentioned in this document are the property of their respective owners and are mentioned for identification.

Contact

Mary Lange
(703) 230-7434
PR@carahsoft.com

 


© 2022 Benzinga.com. Benzinga does not provide investment advice. All rights reserved.

Thu, 03 Nov 2022 04:03:00 -0500 text/html https://www.benzinga.com/pressreleases/22/11/g29550689/carahsoft-named-tibco-federal-partner-of-the-year-for-2022
Killexams : How to manage test stress during final matric exams

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Wed, 09 Nov 2022 19:04:00 -0600 en-US text/html https://www.iol.co.za/education/partnered/how-to-manage-exam-stress-during-final-matric-exams-b578c088-3374-4ca1-a36c-b82721795569
Killexams : Best No-Medical-Exam Life Insurance

Final Verdict

All of the companies on this list represent good options for getting life insurance without a medical exam. All are A+ rated or better for financial strength and have received fewer complaints than expected when averaged over a three-year period. If you don’t need more than $3 million in coverage and are 50 or younger, any company on this list could be a good fit. But if you’re over 50 and looking for a death benefit of more than $1 million, you can rule out Nationwide. If you’re over 60, your only option for high-coverage no-medical-exam life insurance is Penn Mutual. And regardless of your age, Penn Mutual is your only option if you need a death benefit greater than $5 million and don’t want to take an exam.

If you’re looking for term coverage, try Penn Mutual or Pacific Life; for dividends, Penn Mutual or Guardian. If you want free living benefits, look to Nationwide. And if you’d like a wellness plan with your life insurance, John Hancock delivers.

A number of companies offer life insurance policies without requiring a medical exam, but you’ll generally be eligible for the lowest premiums with those that ask thorough health questions on the application. 

What type of life insurance does not require a medical exam?

Most any type of policy is eligible for no-exam underwriting. It used to be that if you wanted to skip the exam, only low-coverage insurance policies were available to you. These are still available and sold as burial or funeral insurance, or guaranteed-issue policies. But now, insurers have a number of sophisticated means by which to collect health and other information, so they don’t need to rely on your exam. Plus, it costs them money to administer it and time to receive and review the results. No-exam underwriting allows insurance carriers to issue life policies faster, which is often good for both the customer and the insurer.

So whether you’re looking for term or permanent coverage, a whole life policy or an indexed universal life policy, it’s available somewhere without a medical exam. But not all companies offer no-exam life insurance on all or even any of their policies, so you’ll need to do some research to find one that does. (The companies in the list above are an excellent start.) The one caveat is that not everyone is eligible for no-exam underwriting. If you have health issues that raise red flags for the insurance company, you may be required to undergo a medical screening to complete your application.

Can you borrow money from a no-exam life insurance policy?

Yes, if it's a policy with a cash value. No-exam life insurance policies are just like regular life insurance policies. The only difference is that a medical screening is not required during the application process. Once approved, the policy functions just as it would had you taken an exam. So if you’ve purchased a permanent life insurance policy that builds a cash value, that cash value will be available to you, subject to any surrender period or other standard policy conditions.

How do I choose the best life insurance policy?

Choosing the best life insurance policy for you depends on your life insurance needs. How much coverage do you need? (Ideally, you’ll get enough to pay off your debts and replace your income, at the very least.) How long do you need it for? Your needs may change once your kids are grown and your home is paid off, for instance. The next question to ask is, how much premium can you afford?

The answers to these questions will help you narrow down whether you need term or permanent life insurance coverage. Term life insurance is designed to last for a specific number of years, such as 30, and then expire. Permanent life insurance is designed to last your entire lifetime, and is therefore more expensive than term. You may also want to combine term and permanent policies to have a higher-coverage term policy during your working years or while you’re raising a family, and then a lower-coverage permanent policy that will kick in once the term coverage expires.

Term policies let you choose the length of the term (a 40-year term is the longest we’ve seen), and often provide the option to convert your term coverage to permanent. Permanent policies have a cash value, which may be accessed via withdrawals and loans.

Once you’ve figured out your budget and the general type of coverage you need, you should begin to get quotes from financially stable companies with track records of good customer satisfaction. 

If you want a no-exam life insurance policy, it may be helpful to know that most of the 91 companies we reviewed offer some sort of policy that doesn’t require an exam. You’re best off first finding a good company (or a few you like), and then seeing what kind of policy you can get without an exam. This review and our review of the best life insurance companies of 2022 are both good places to start. And be sure to compare multiple quotes for no-exam life insurance because some policies are cheaper than others (depending on the type of no-exam underwriting used).

How We Chose the Best Life Insurance Companies

In order to compile our list of the best no-medical-exam life insurance companies, we developed a comprehensive life insurance methodology. We started off by researching what consumers want from life insurance companies, and for that, we looked to third-party consumer studies, including J.D. Power’s 2021 U.S. Life Insurance New Business Study and the 2021 Insurance Barometer Study, by Life Happens and LIMRA.

With those findings in mind, we gathered more than 50 data points on 91 life insurance companies, including ratings for financial strength, customer satisfaction, and customer complaints, as well as information about years in business, online tools, no-exam options, dividends, maximum issue ages, and available riders. 

Our review process gave preference to companies with solid financials, few customer complaints, high no-exam coverage amounts available, high-issue ages for no-exam coverage, and a broad product portfolio. Companies received ratings boosts for online resources, including online quotes and live chat, and included living benefit riders. We ranked each company according to the following categories and weights.

  • 28%: No-med-exam availability and features
  • 20% Policy types and features
  • 15%: Financial stability 
  • 15%: Customer satisfaction
  • 13%: Ease of application
  • 9%: Online resources

To finalize our list, we compared individual offerings between top companies by considering ratings from third parties such as AM Best and J.D. Power, and delving deeper into product specifics—including cost and the availability of dividends. We used this research to determine the best no-medical-exam life insurance companies.

Mon, 12 Oct 2020 06:49:00 -0500 en text/html https://www.investopedia.com/best-no-medical-exam-life-insurance-5078737
Killexams : Regents debate worth of exams for high school graduation

ALBANY – Members of the Board of Regents debated the value of the Regents exams Monday as part of an overall planned examination of the state testing system and graduation requirements that had been delayed due to the pandemic.

“Maybe the Regents exams are not the be-all and end-all,” said Regent Roger Tilles during a meeting that also included a presentation about how students graduate high school in other states and countries. “We have kids that can’t pass a Regents test but pass all their courses. Should they be denied a future because they can’t pass a Regents test in one area?”

But the rigorous exams get students prepared for the future, argued Regent Catherine Collins.

“I hope the state does not get rid of the Regents,” she said. “I was fortunate enough to have the Regents science diploma, which gave me the foundation to go into health care.”

The discussion comes after graduation rates increased during two years without Regents exams, due to the pandemic. For now, the Regents are back, but a Blue Ribbon Commission is expected to weigh in on new high school diploma requirements next year. The commission was announced in 2019, but the pandemic led to a slowdown and the commission wasn't named until last year.

The state Education Department said in an email to the Times Union later Monday afternoon that "the Board was not debating whether to eliminate Regents exams. Rather, they were discussing a 166-page report that has been in the making for three years and heard a presentation based on (the) report’s literature review, policy scan and stakeholder feedback."

The statement also said "the Regents will not consider any changes to the state’s graduation requirements until the Blue Ribbon Commission on Graduation Measures makes its recommendations."

In 2019, Education Commissioner Betty Rosa made it clear that she did not think the Regents exams are “working” for every student, and questioned whether the tests improved college readiness, among other factors. She has pressed for alternative paths to a high school diploma, including career and technical programs.

At Monday’s meeting, she urged the Regents to have an open mind.

“We really have to take into account not what worked for us, but what will work down the road,” she said. “At the end of the day, our job is to keep in mind what our students need for the future.”

Chancellor of the Board Lester Young, Jr. was adamant that the board make no decision right now.

“We have to let the Blue Ribbon Commission do its work,” he said during a break. “The board has not made any decision regarding what the new process will look like.”

But the graduation process should look significantly different, Regent Aramina Ferrer said.

“We want to craft something in New York State that will meet students where they are,” she said. “We want to look at something different for New York State.”

Mon, 14 Nov 2022 06:11:00 -0600 en-US text/html https://www.timesunion.com/news/article/Should-they-be-denied-a-future-if-a-student-17583911.php
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