Opinion of Life and Health Insurance Discussion Question: What is your initial (or underlying) opinion of life (and health) insurance? I want to clear out the misconceptions early. (one or two paragraphs)
Note from professor:
Life insurance, like all other insurance, is the ability to combine a homogeneous group of people to spread the risk. Different insurance companies want to insure different groups of people, for example Progressive Insurance Company insures high-risk drivers for auto insurance, Penn Treaty Network America insures high-risk individuals with medical ailments for long-term care insurance, Foremost Insurance Company insures mobile homes, and Prudential provides group life insurance (sold to employers). Each company has their own unique rating factors and underwriting, and employs thousands of workers nationwide (and worldwide). Also, they collect millions of dollars in premium, which they turn around and purchase stocks and bonds on the global equities market, which in turn increases our own retirement portfolios. Trust me, if a company didn’t invest their premiums to earn a higher rate, they would go out of business (especially home insurers).
One thing to check is whether you receive life insurance coverage as one of your employee benefits. One of the great benefits of group life insurance is that youre not required to provide proof of insurability, which means regardless of any existing conditions, you may qualify to receive life insurance. On the contrary, if you try purchasing individual life insurance, a preexisting condition will likely disqualify you from receiving coverage. If you do choose to cover all your life insurance needs through a group policy, keep in mind that your coverage could be lost should you lose your job or choose to leave your employer.
Our Unique Features
Custom Papers Means Custom Papers
This is what custom writing means to us: Your essay starts from scratch. Plagiarism is unacceptable. We demand the originality of our academic essay writers and they only deliver authentic and original papers. 100% guaranteed! If your final version is not as expected, we will revise it immediately.
Qualified and Experienced Essay Writers
Our team consists of carefully selected writers with in-depth expertise. Each writer in our team is selected based on their writing skills and experience. Each team member is able to provide plagiarism-free, authentic and high-quality content within a short turnaround time.
Free Unlimited Revisions
If you think we missed something, send your order for a free revision. You have 10 days to submit the order for review after you have received the final document. You can do this yourself after logging into your personal account or by contacting our support.
Prompt Delivery and 100% Assuarance
We understand you. Spending your hard earned money on a writing service is a big deal. It is a big investment and it is difficult to make the decision. That is why we support our claims with guarantees. We want you to be reassured as soon as you place your order. Here are our guarantees: Your deadlines are important to us. When ordering, please note that delivery will take place no later than the expiry date.
100% Originality & Confidentiality
Every paper we write for every order is 100% original. To support this, we would be happy to provide you with a plagiarism analysis report on request.We use several writing tools checks to ensure that all documents you receive are free from plagiarism. Our editors carefully review all quotations in the text. We also promise maximum confidentiality in all of our services.
24/7 Customer Support
We help students, business professionals and job seekers around the world in multiple time zones. We also understand that students often keep crazy schedules. No problem. We are there for you around the clock. If you need help at any time, please contact us. An agent is always available for you.
Try it now!
How it works?
Follow these simple steps to get your paper done
Place your order
Fill in the order form and provide all details of your assignment.
Proceed with the payment
Choose the payment system that suits you most.
Receive the final file
Once your paper is ready, we will email it to you.
Our services are second to none. Every time you place an order, you get a personal and original paper of the highest quality.
While a college paper is the most common order we receive, we want you to understand that we have college writers for virtually everything, including: High school and college essays Papers, book reviews, case studies, lab reports, tests All graduate level projects, including theses and dissertations Admissions and scholarship essays Resumes and CV’s Web content, copywriting, blogs, articles Business writing – reports, marketing material, white papers Research and data collection/analysis of any type.
Any Kind of Essay Writing!
Whether you are a high school student struggling with writing five-paragraph essays, an undergraduate management student stressing over a research paper, or a graduate student in the middle of a thesis or dissertation, homeworkmarketpro.com has a writer for you. We can also provide admissions or scholarship essays, a resume or CV, as well as web content or articles. Writing an essay for college admission takes a certain kind of writer. They have to be knowledgeable about your subject and be able to grasp the purpose of the essay.
Quality Check and Editing Support
Every paper is subject to a strict editorial and revision process. This is to ensure that your document is complete and accurate and that all of your instructions have been followed carefully including creating reference lists in the formats APA, Harvard, MLA, Chicago / Turabian.
Prices and Discounts
We are happy to say that we offer some of the most competitive prices in this industry. Since many of our customers are students, job seekers and small entrepreneurs, we know that money is a problem. Therefore, you will find better prices with us compared to writing services of this calibre.