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Can You Qualify for Accelerated Underwriting No Exam Life Insurance?

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Today, many insurance companies offer accelerated underwriting no exam life insurance because they recognize the aversion that many people have toward the life insurance medical exam. While traditional policies require applicants to undergo an exam in order to qualify for coverage, accelerated underwriting lets applicants bypass it completely.

Why Do People Want to Skip the Medical Exam?

There are many reasons why someone would want to skip the medical exam aspect of the life insurance application. For one, it’s inconvenient. While insurers cover the cost, you still need to schedule the appointment and take a half hour or more out of your busy schedule to do it. Then, you need to wait 4-8 weeks for results from the life insurance company. In short, it’s a hassle.

Another reason people want to skip the exam is because they’re scared of doctors or needles. The exam requires a blood test, so those who have a fear of needles get filled with dread. So much so that they push off getting life insurance altogether.

Why Do Insurers Require a Medical Exam?

Medical Exam
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Traditional life insurance policies require a medical exam because that’s how underwriters assess how much of a risk each applicant poses to the company. Insurers, after all, are companies, and they don’t offer coverage out of the goodness of their hearts. They need to make a profit. That means they need to assess each applicant’s health status, and from that, determine how much to charge them in monthly premiums.

Insurers put people who are young and in good health in the highest class rating, so they get the lowest premiums. Insurers put those with mild health issues in a slightly lower class, and their premiums are raised slightly. For example, insurers always give smokers a lower class rating because of the statistics of smoking and mortality. People with serious health issues either get very high premiums or are denied coverage entirely.

How Accelerated Underwriting No Exam Life Insurance Works

Certain applicants who apply for accelerated underwriting no exam life insurance are allowed to skip the medical exam. Skipping the exam shortens the underwriting process, so it can take just a few days or even hours.

How does it work? When you apply for accelerated underwriting life insurance, insurers use sophisticated algorithms that can determine whether your health status will be a great risk for them. Additionally, they are able to quickly gather information from third parties, like the MIB, which stores previous life insurance applications, pharmacies, and the DMV.

Underwriting No Exam
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If the algorithms determine that you don’t pose a great risk, your application gets sent for accelerated underwriting. The insurer usually approves coverage immediately or within a few hours. If the algorithms determine that you do pose a certain level of risk to the company, you will be asked to take a medical exam.

That’s the main downside of accelerated underwriting — unlike other types of no exam life insurance, in which you are guaranteed that you don’t have to take a medical, with accelerated underwriting there is no such guarantee. If the insurer considers you healthy enough, you can skip the exam. If not, you have to take it. Bear in mind that even if the insurer requests that you undergo a medical exam, you don’t need to. You can simply say, “thanks but no thanks,” and choose a no exam policy that doesn’t require an exam.

The reason you might want to apply for accelerated underwriting no exam life insurance first is because the rates can be significantly less than other types of no exam life insurance. You can get a free quote here to get an idea of the costs. Because accelerated underwriting involves a certain level of risk assessment, rates can be very competitive.

Other Types of No Exam Life Insurance

Simplified issue and guaranteed issue are two other types of no exam life insurance. Both of these guarantee that you won’t need to undergo a medical exam in order to apply, but only guaranteed issue guarantees approval. Simplified issue is more similar to accelerated underwriting. For these policies, insurers require some health information and they also pull certain medical information. If you have a serious medical issue, you’re not likely to qualify for simplified issue.

On the other hand, anyone under the age of 89 or 85 can get approved for guaranteed issue no exam life insurance. It’s a very convenient application process, but the downsides are that it limits coverage to $25,000 and includes very high monthly premiums.

Which Type of No Exam Life Insurance is Right for You?

If you’re set against a life insurance medical exam, you have plenty of options for policies that don’t require an exam. Accelerated underwriting is the least expensive option, and if you don’t have serious complications, it’s always worthwhile to apply for this kind first. If you qualify to skip the exam, great. If not, you can try for simplified issue. Insurance experts consider guaranteed issue a last resort because of its limited coverage and high costs, and they usually only recommend it to people who can’t get any other kind of coverage.

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Business

Trends You Need to Know About in Business Education

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Business is a fast-changing world, with quantum leaps in technology and globalization making yesterday’s “next big thing” rapidly obsolete.

Business education is changing too — and probably not fast enough. Academia tends to be slow to shake off the shackles of tradition, evolving more incrementally and less radically.

There are few fields in which educators need to remain so informed of the latest trends and technologies, in order to provide their students with an education that is up to date and relevant to the constantly moving target that is today’s business world.

Here are five top trends in business education that are happening now.

1) The Workplace Of Tomorrow Will Need Soft Skills Like Creativity, Communication And Problem Solving.

Advances in artificial intelligence, robotics and computing will replace many workers in the near future. Yet they will also create a demand for skills unique to humans, including creativity, critical thinking, communication, problem solving, innovation, collaboration and adaptability.

Technical skills will always be needed and shouldn’t be overlooked by any business student, but the coming trend in business is big thinkers with the skills to harness the powers of human creation.

2) Digital Learning Platforms, Online Education And Hybrid Formats Will Become The New Normal.

Image – goconqr.com/en/examtime/guide/technology-in-the-classroom/

The days of getting a traditional four-year bachelor’s degree followed by a two-year MBA at a brick-and-mortar university are in decline. While there is undeniable value in a broad-based foundation in business education, rising costs have burdened students with enormous student debts and led many to question whether the return on this investment makes it worthwhile.

Also, the rapidly changing business climate has raised many doubts about whether a one-time education is adequate to equip business grads for the changes sure to come in the years ahead. Online education, continuing education, digital learning platforms and hybrid formats that include both classroom and remote education are widely seen as the wave of the future.

3) Expect To See More One-year Mba Degrees — And More Hiring With No Degree At All.

Fast-track MBAs for working professionals are another growing trend, in which people with a given amount of professional experience can attend courses for one year and emerge as certified business management professionals.

In addition, more forward-looking companies are abandoning the requirement for any college degree at all, recognizing that targeted alternative training and real-world job experience can be more valuable than a college diploma.

4) Entrepreneurship Is And Will Remain A Growing Field.

Apple, Google, Microsoft, Amazon and Facebook are the five most valuable companies in the world — all of them tech companies and all founded by entrepreneurs (several of whom were college dropouts).

The chances are good that all of these companies have affected your life in a personal way. They employ hundreds of thousands of people and have a combined market capitalization of around $5 trillion. And each of them was founded by a small handful of forward-looking people harnessing new, disruptive technologies.

Machines and robots cannot replace this kind of uniquely human innovation. Business schools will and must increasingly teach the skills needed to start new enterprises that can literally change the world, in big ways and small.

5) If You’re Betting On The Future, Think Ai, Stem And Big Data.

Image – scmp.com/

Having said all of the above about human innovation, let’s not forget that the machine-based “thinking” behind artificial intelligence (AI) — like the driverless cars that our grandchildren will someday take for granted — are a supremely important component of future business development. And someone will have to create, hone and perfect these technologies.

Studies in science, technology, engineering and mathematics (STEM) are among the surest ways to climb aboard this inevitable wave.

The same is true of “big data” — the hyper-explosion of information that is available to us all, but is too much to grasp without intelligent analytics and insightful processing. Talented professionals will be needed in the years to come to turn millions of data points into actionable business plans that will work in the real world.

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Education

Where to Find Academic Writing Help That Could Be Valuable for Students?

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All over the world, students are faced with the task of writing either an essay, research paper, or any other assignments during a term (essays are common tasks given every week, right?). Each of these written tasks requires students to express their ideas clearly and correctly according to some requirements for research, writing or style formatting. However, some students may lack some skills and it can cause a lot of stress and troubles.

Imagine you did the best you could, but you end up with getting a low grade because you could not format a research paper properly or express all your research ideas clearly. That so traumatizing. So, you need academic writing help to improve your skills. This article will tell you what it is and how it will improve your writing skills.

What Is Essay Writing Help?

You probably hear that to get something you want, you have to work really hard. Yeah, it is absolutely true. But when there is a way to simplify the process of achieving the goal, you have an opportunity to relax a little bit and spend more free time on your own precious self. So, your writing process can be simplified to a significant degree when:

  • The list of topics to research is in front of you,
  • A writing guide on how to write a research paper is open,
  • A good sample of this research paper is shown.

There is nothing terrifying about having no idea of how to start an essay or what topic to choose. Once you find valuable essay help, your chances to get the best possible grade is increased. Is this your goal now? Let’s find out where you can get this essay writing help.

Where Does Essay Help Come From?

Academic writing takes many forms depending on assignments given to you. For example, writing a research paper is different from writing an essay. Academic writing help can be provided by a person, in a book or an article, or online, on some websites.

  • In the case of a person, it can be your professor who will give you instructions and show you the way understanding your strengths and weaknesses.
  • In the case of a book or an article, you can download both from the internet or access it in a college library. They are designed to assist you with your assignment.

While most students are seeking help from their supervisors or books, you can get valuable help at HowToWrite. CustomWritings.com. This online resource contains all possible topics and ideas, writing guides and samples for research on any discipline.

How to Succeed with Academic Writing Help?

  • Guide Yourself In The Right Direction. Academic writing is overwhelming if you don’t have someone or something to guide you. It’s like walking in the darkness, and you are not sure where your next step will land. The writing guides bring insight into your assignment. At least, you have somewhere to refer to whenever things get thick. Students who want to improve their writing skills make good use of guides or samples. They refer to them, and, after a short duration, they are good to go.
  • Catch on the requirements of your assignment Imagine you are given a research paper and you don’t know where to begin, will you score any good grade? No, you won’t, your work will be dead on arrival. A writing guide or a written sample give you a better understanding of what is required of you as a researcher. You will understand all the key elements of the assignment and become psychologically prepared for work.
  • Stick To Consistency And Accuracy. Both are vital components of academic writing. It makes your work to be uniform. With effective writing help, your supervisor will note your improvement because you won’t repeat the mistakes you made yesterday. Therefore, you will have a consistent improvement. By the time you are graduating, you will be a professional writer. Supervisors are happy when they notice some improvement in their students. They give them good grades.
  • Develop Your Professional Writing Style. Professionalism matters a lot in every area, especially in the academic area. Academics are in more competition, and you need to outstand your peers. You must write something different from your fellow scholars. An academic writing guide or well-written sample make your work look stylish since you have everything at your figure tips. Your readers can read your points clearly because they are well-arranged

For your writing to be termed professional, you need a guide to direct you to prepare it. Having writing help at hand makes you spend little time worrying about what to write and concentrate on the content. Your work will be consistent and accurate. There is no doubt you will be an expert. However, whether you have an academic guide or not, you should follow the rules and guidelines laid by your professor. Make sure you adhere to the font, word count, and any other requested sections.

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Education

10 Facts About Academic Writing Services

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Students from all over the globe actively use the help of online writing companies. These resources can solve merely any academic issue. Therefore, many students dream to find the best academic writing service. To make it come true, learn some crucial facts about such platforms. Thus, you’ll be able to make the right choice.

Reputation. First of all, you should be sure that you can trust your writing service. Study the market and read different sources of information. These are customers’ reviews, an independent rating of informational sources, recommendations of experts, etc. Choose out of top-rated companies. Review their main benefits, compare their possibilities and choose the one that suits you most.

Quality. A highly reputed company always composes papers of the highest quality. It hires professional specialists who are familiar with academic requirements and all kinds of writing formats. Check the profiles of those specialists. Read the feedback of their clients, find out their current rating, the number of successfully and timely finished orders, etc.

Kinds of writing services. Your company is supposed to provide various academic services. You will face various problems and if your company can only write papers, it won’t be enough. Its specialists ought to be able to write, edit, cite, outline, proofread, rewrite, find evidence, etc. Moreover, they should be able to compose different pieces of writing like dissertations, lab reports, book/movie reviews, coursework, case studies, all types of essays, and so on.

Pricing. Before you choose a service, compare price policies of as many platforms as possible. Some services offer help of the same quality but sell it at a different price. Therefore, don’t be hasty and carefully study all the variants. It makes no sense to pay more for the same conditions. Besides, your service ought to make your order customizable. In other words, you should have the full right to change any demands in your order and afterward, confirm the final cost.

Speed. Make sure your writing website can tackle urgent orders. Read about its major benefits to be confident that you’ll receive timely support.

Originality. Really effective websites compose only authentic orders. They use dependable plagiarism-checking programs to verify every paper they write. A professional editor is answerable for its purity.

Confidentiality. A highly reputed platform never spreads personal data of its clients to other companies or people. Besides, they implement effective safeguards to protect their databases from virus and hacker attacks.

Refunding. A trustworthy website always ensures your money. If you hire a helper, he/she is supposed to fulfill all the conditions you set. In the event some of your conditions weren’t completed properly, your money must be returned. Discuss the terms of monetary compensation with your website. Never pay the whole sum at once. Agree on partial payments – one payment per finished section.

Free revisions. Your service is obliged to provide you with samples. They are required to prove the high status and quality of their specialists. Such services must offer an unlimited number of such revisions. Moreover, all those samples should be given for free.

Customers’ support. Make sure you can access your website at any time you need. It’s supposed to work 24 hours round the clock. Thus, you’ll be able to place urgent orders. Besides, such services should offer consultations and support of their customers. Technicians must be available in the chat room and give detailed answers to all your questions.

Memorize these 10 points. Thus, you’ll be armed with the necessary knowledge to choose the best academic writing service e.g. SmartWritingService.

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