I would similar to to know how to product an insurance craft within Canada. I hold a solid insurance environment. I am tentative?
I am new to canada and my entire years of service is within General Insurance.Answers: With respect to licensing, it depends which province you live within. In most provinces you will have to complete the Canadian Accredited Insurance Broker Level 1 exam contained by order to trade Personal Lines products, Level 2 to sell Commercial Lines products and Level 3 to muddle through an agency. You also have to be employed next to a brokerage in direct to maintain your licence, if not you are just given a Certificate of Completion which can become a licence once you are employed near a agency/brokerage. In Ontario passing the first exam will allow you to perform under supervision. You would own to pass subsequent exams within order to remove the restriction. Quebec is a in one piece different beast altogether.
As for in truth getting employed and how much your previous experience will count depends on where you are from. If you are from the U.S. or the U.K. consequently it will count for quite a bit. If you from any other country afterwards it may take some convincing to whoever you are applying to that the Canadian system and the system where on earth you are from are similar. Without this, prospective employers may opt not to higher you since it would be easier to train someone near no experience since they will not have to unlearn what they already know.
Construct a resume detailing your experience and rearing, and send it to potential employer.
What's the Medi-Cal income eligibility for a line of 3?
What's the income (specific number) for a family of 3 surrounded by order to be eligible for Medi-Cal? I cannot find this information anywhere.Answers: I have no trouble finding it on their website. http://healthconsumer.org/fs005LAeng.pdf
$1306 a month for a family of 3 is the closing date, and $3,000 of assets.
Can a 72 year old woman in poor healh obtain a life insurance policy?
Answers: I'll preface this by saying that life insurance is not my specific area of expertise.
However, I would suspect that *if* she were able to obtain a life insurance policy, the premiums would be so ridiculously high that it wouldn't even be worth getting the policy.
probably only the type of life insurance that doesn't require underwriting.
these "guaranteed issue" policies are usually sold in "units" or for small amounts of death benefits. if the state insurance dept of the state she lives in allows, they are usually sold as graded death benefit policies. that means they only insure for accidental death during the first few years of coverage, usually two years, and then cover for any cause of death thereafter.
because of the guaranteed death benefit and no underwriting they are probably the most expensive to own in terms of cost per thousand dollars of death benefit. but as i said before they are probably the only type of coverage she can get.
Yes. But they'd have to pay more for the policy, than the policy will pay out when she dies.
This can be useful for estate planning purposes, when you'd rather pay $110,000 for a life policy to pass $100,000 to a family member, than pay 50% of the money to the government in estate taxes.
Check out AARP's website https://www.nylaarp.com/index.asp
They are affiliated with New York Life, which is a fortune 100 company and the number 1 mutual company. They have guaranteed issues that can possibly be suitable for a 72 year old woman.
You can get life but premiums may be outrageous also if you want a policy there is still underwriting. I am facing the same issue with my mother in law. She is 69 and dying of COPD and Emphysema, I was talking to our life specialist in the office I work in and she suggest that if there is cash laying around purchase an irrevocable burial trust. The money is not attachable to any creditors, the funeral is paid and anything left goes to beneficiaries. This may be a good alternative
How you define poor health and how the life insurance companies define it may differ. Frankly, most underwriters would expect something going on with a 72 year old.
If guaranteed issue policies are available in your state, that may be an issue, but they don't tend to be a good deal if she could qualify for other coverage. Compare that to a fully underwritten policy from a company with experience working with older folks. You may need an experienced broker to help you with this process depending on the difficulty of this woman's health history.
It really depends on the specifics. Underwriting for life insurance policies has become more lenient than it was in the past.
Get in touch with a local life insurance broker and they will be glad to help you find something that will fit your needs and budget. You can go to http://www.myinsurancequotes.net and fill out a quote form there. A local agent will contact you and help you through this. Good luck!
Jared Balis
http://www.utahinsurance.org
Yes, depending on the type of health problems she has.
Heart, diabetes, some cancer histories are insurable.