| Dental Plans Applications |
| Anthem Blue Cross of California |
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| Blue Shield |
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| Delta Dental MorganWhite |
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| Golden West |
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| Kaiser Permanente |
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| Standard Life MorganWhite |
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IMPORTANT THINGS TO REMEMBER
Check
with your agent to make sure the policy is actually issued by a company
license to do business in California.
Identify your need.
Select the type of policy
and amount that best fills your need.
Investigate the reliability
and stability of the life insurance company through the insurance rating
organizations and the California Department
of Insurance Hotline at 1-800-927-HELP.
In most cases California
law will only apply if the contract was issued in by a company authorized
to do business in California.
Review all illustrations
and other sales presentations carefully, and ask for them to be confirmed
in writing with a copy to be retained
by you.
Be sure that you are
dealing with an entity licensed to do business in California.
GLOSSARY OF LIFE INSURANCE TERMS
Accelerated Benefit Provision - A provision in many new policies
which will allow the policy owner to receive a portion of the death
benefit early if the insured person is diagnosed with a terminal illness
or permanently confined to a nursing home.
Accidental Death Benefit - A rider added to a policy
that provides an additional benefit if the insured dies from accidental
causes.
Certificate - A document provided to a person insured
under a group insurance policy evidencing that the coverage exists.
Evidence of Insurability - Medical and other information
about a person applying for insurance that the life insurance company
keeps confidential, but uses to decide whether the policy can be issued
and what premiums to charge.
Face Amount -The amount to be paid to the beneficiary
when the insured dies. It will be reduced by any unpaid policy loans
and interest on those loans and may be increased by any dividends.
Free Look - A required period, of 10 or more days after
a policy has been delivered to the policy owner, during which the policy
can be returned for a refund of all amounts paid.
Grace Period - A period (usually 31 days) after the
premium due date, during which an overdue premium may be paid without
penalty. The policy remains in force throughout the period.
Guaranteed Insurability - An option that permits the policy
holder to buy additional stated amounts of life insurance at certain
times in the future without having to provide new evidence of insurability.
Illustration - A document used in life insurance sales
presentations showing year-by-year numbers indicating how a policy will
work. Usually it assumes that amounts being paid today will continue
in all future years.
Insured - The person on whose life an insurance policy
is issued.
Lapse - Discontinuation of insurance without cash values
when required premiums are not paid. If cash value exists there be non
forfeiture provisions available.
Loan Value - The amount which can be borrowed by the
policy owner from the company using the value of the policy as collateral.
Usually the interest rate payable on the loan varies based on an index
defined in the policy.
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| Standard Health Plans Applications |
| Aetna |
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| Anthem BC Life and Health Insurance Company Tonik |
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| Anthem Blue Cross of California |
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| Blue Shield of California |
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| Health Net of California |
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| Health Net of California Farm Bureau |
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| Kaiser Permanente |
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| Temporary Health Plans Applications |
| Anthem BC Life and Health Insurance Company |
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| Assurant |
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| Health Net of California |
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| Health Plans |
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