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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

Using Popup Banners The Right Way For Elearning Industry

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If you’re an Internet user, you must have encountered some random popups while browsing. Although most of them are irrelevant, you might have found something once in a while which actually helped. In the digital marketing world, popup banners are considered to be the most controversial form of strategy and marketing. A lot of people wonder if pop-ups actually work. Popup banners are a relatively newer form of marketing, but if utilised properly, can help you achieve what you dream of, faster.

As an elearning business, if you’re trying to leverage popup banners to your advantage to create awareness or to get more sales, just find an effective and not so irritating way to do that. Below mentioned are some cool popup banner benefits for eLearning industry that can prove to be a game-changer.

A Fun Element

Popup banners are a much cooler way to make your content look more creative and modern. As eLearning is a modern way of making learning fun, popup questions are a modern add-on to your eLearning product. This serves multiple purposes i.e. adds a fun element to learning, gives the user an opportunity to test his knowledge while learning, and creates brand awareness in a subtle manner.

Much More Interactive Content

Much More Interactive Content

If you are in eLearning business, you must be aware that video content is far more consumed than textual or image content. Just to add that little bit of extra spice, you can use popup banners to make your video interactive. A simple example is, you can create popups which offer fun facts as additional information but are relevant to your audience and the type of content they are viewing. Although the timing, duration and placement of these popup banners are tricky, if utilised properly, it can do wonders.

Less is More

Popup banners come in multiple shapes and sizes and can incorporate a lot of information within a confined space, catering to multiple domains like LMS vendors, authoring tools, and/or other eLearning services. They are attention catchers and simplify information delivery to enhance how content is presented.

An Asset To Build Your Email List

An Asset To Build Your Email List

You might be quite popular as a brand on social media, but tons of followers do not guarantee a secure future. Social media algorithms change over time and you will be in a constant fight to keep your social media engagement intact.

There was a time when Facebook ruled the roost and was the only focal point for social media marketing, but trends have changed with the emergence of other platforms like Instagram, Twitter and the like. Even if you manage to build a strong image on all of these, it does not promise success. Email marketing was and will remain one of the best ways to convey relevant information, no matter what other forms of marketing come into existence. Although it is not easy to collect email data and takes a lot of time as well, popup banners, in the long run, can prove to be the perfect way of collecting email lists. When everything falls apart, you will have your email list to connect to users and potential clients.

Affordability And Productive Results

The best part about pop-ups is that they are very affordable and easy to use. Popup banners can be used to deliver any kind of information, such as to increase sales, create brand awareness, drive more traffic, and much more. It is these use cases and productive results that has made popup banners popular in a very short time. All you need to keep in mind is that you place the right information at the right time when creating a pop-up, otherwise it can easily backfire and spoil your brand’s image.

Conclusion

We have seen that popup banners can be a huge asset and deliver great sales opportunities if used properly. You just need to keep in mind and not follow a too aggressive approach.

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Education

Writing: How Is Character Analysis Different from a Movie Review

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As you may know, academic writing has specific standards for every written assignment, deviation from which can cost you points. This is what students always complain about ­– the frameworks that do not allow their creativity to take over.

However, these standards help teachers stay objective in evaluating student success. If some part of the assignment is missing, it provides a ground for the evaluator to decrease the grade. Writers from writepaper.com unanimously agree that their writing job gets much easier when they have a precise structure to follow.

In this context, they often share an example of the confusion in writing a character analysis and a movie review. These two assignments may seem pretty similar. Yet, this is only for those who do not know the difference in requirements for both. Thus, following a simple guide for writing a movie review may save you from ending up with a character analysis.

How is Character Analysis Different from a Movie Review?

How is a Character Analysis Different from a Movie Review?
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As the name suggests, a character analysis should mostly focus on one particular character in the movie. Let’s say, 75-80% of the text should be about the character, their traits and deeds, and your opinion about them.

A character analysis should have a particular structure so that your reader understands where this character is from and how it evolved through the movie. For this, you include a brief description of the movie scenes where relevant.

If you are supposed to write a movie review, the part discussing its pros and cons should be the largest in the assignment. You can mention the names of your favorite characters or those that were unpleasant to you, but do not be very detailed about them.

It is also important to avoid obvious spoilers in your review. In other words, you should give your opinion on the movie as if others are only about to decide whether they want to watch it or not.

Quick Guide on Writing a Character Analysis

When writing a character analysis, students should give their opinion on the role of the character in the movie. They should use specific terms such as protagonists, antagonists, dynamic and static characters to provide an objective analysis.

There are two common character analysis forms that you can use. The first of them incorporates the character analysis into the movie summary. The second makes a separate essay on a single personality in the movie.

Regardless of the type you choose, the structure of a character analysis should include the following:

  • A short summary of the plot;
  • The main idea of the film;
  • Names of several key characters;
  • The central conflict in the movie;
  • Critique of the role of the personality in the resolution of the conflict.

Obviously, the generic academic structure consisting of the introduction, body, and conclusion applies to the character analysis too, unless otherwise specified by your professor. Usually, such analyses do not exceed 1,000 words.

Quick Guide on Writing a Movie Review

Quick Guide on Writing a Movie Review
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A movie review is considered to be a more substantial work since it requires a deep analysis of the entire movie. Students are required to watch the suggested film and take notes of the most memorable and important scenes.

It is not always that you choose what movie to watch. Professors may insist on one particular film to be watched and reviewed. This makes a movie review assignment a particularly challenging one.

Upon watching, students are required to conduct thorough research on the filmmakers, directors, actors, locations, and, say, historical facts. Everything that makes the movie that special should be carefully studied. It will be incorporated in the review later.

Before you get to writing, analyze the movie and draft an outline. It will help you keep your ideas organized. Otherwise, you risk losing some important pieces of information along the way. To sum it up, you’ll need to make a conclusion on whether you liked the movie or not.

As for the structure, ideally, it should resemble the following:

  • Introduction (the title, year of release, some background information);
  • Summary of the movie;
  • Analysis of the key elements of the plot;
  • Analysis of creative elements that make the movie remarkable;
  • Your opinion based on facts and analysis you’ve done;
  • Conclusion (was the film successful in communicating a message?).

Final Words

final words on tips on writing
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As you can see, the nature of these two written assignments is completely different. A character analysis can go separately or as a part of the movie analysis. It requires less preparation and can be more subjective.

When it comes to a movie review, more substantial preparation is needed. All your opinions should be supported by facts and evidence from the movie itself. It also requires initial research to be done to sound more professional and objective.

Thus, it is better never to confuse a character analysis and a movie review, since they require absolutely different approaches to writing.

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Education

8 Ways to Improve Your English Essay Writing Skills

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Most students greatly struggle with their writing assignments. They have poorly developed writing skills and so, it’s very difficult to compose high-quality essays. As a result, many students ask – Who can write my essays instead of me? They desperately require some help. Many of them hope to find it on academic writing websites. Their writers are certificated and experienced. They easily tackle any essay type and meet the highest academic standards thanks to advanced skills. Nonetheless, you should try to overcome your difficulties on your own. No one will learn instead of you. Our guide proposes 8 great ways to improve your English essay writing skills.

Brush Up the Basics

Begin the improvement of your writing skills with the basics. Perhaps the roots of all your problems derive from the gaps in the basic knowledge. Don’t pass tasks that are beyond your current level. Steadily lift up from the lowest to the highest level. Make sure you revise:
  • Grammar;
  • Spelling;
  • Punctuation;
  • Stylistics;
  • Formatting;
  • Referencing, etc.

Practice Regularly

Practice Regularly

No theory will be useful if you don’t practice it. Therefore, make sure you use theoretical knowledge in practice. Write every day or at least once in two days. You’re not obliged to compose some complex assignments. Write the simplest essays and choose random and easy topics. Tell about how your day passed or what are your greatest dreams or something of the kind.

It’s essential to write quickly. Therefore, set certain time limits to check how quick you are. Adapt to different writing techniques to be sure you’re fast enough.

Outline Your Projects

If you have a plan, you control the situation. A good plan organizes you and makes more disciplined. You don’t have to spend your concentration and time on each stage of writing because you already know what to do. Simply craft an outline and include all the steps and measures you’re supposed to undertake. Try to predict how long each stage is supposed to last and never violate the deadlines.

Read a Lot

Reading comprehension is just as important as writing. Almost every essay is based on scientific research. Students have to find relevant data to support their theses. However, a lack of reading comprehension induces serious problems. Such students don’t know what information may be used and what must be omitted. Accordingly, it’s of great importance to read on a regular basis.

Turn reading into your habit. Of course, you’re supposed to choose specialized guides and tutorials to develop reading skills. Simultaneously, read non-fiction literature and other genres. Try to understand the main messages of the authors and how they are delivered to the readers. Take notes and use them in your own projects.

Use Samples

Most students forget about the possibility to learn from the experience of other successful people. There are lots of talented writers who became famous thanks to an impressive ability to deliver interesting, plain, and logical messages. Read novels, detective stories, fantasy sagas, etc. Besides, the Internet is overcrowded with multiple learning materials like guides, to-do lists, tutorials, and so on. They are composed by certificated educators and teach how to sustain your academic abilities.

Another option is to access databases of essays. Use your searching engine and request something like “the best essay samples”. Visit those databases and read them attentively. Although they all are copyrighted and you cannot use them as your own creations, you may learn a lot from them. Find essay types, topics and/or disciplines that are most complicated for you. Make notes, analyze them and use new prompts in your own papers.

Always Revise Your Papers

Always Revise Your Papers
African student concentrated to study the lecture notes at the library

Don’t be lazy and regularly reread your academic papers. Most students hate the phases of editing and proofreading. Notwithstanding, they help to detect various mistakes and inappropriate parts. The process of revising will show you the most typical mistakes. Thus, you’ll memorize them and avoid them in the future.

Use Credible Sources

Always use only trustworthy information sources. Most assignments are scientifically-based. Therefore, prefer websites that can be fully trusted. Commonly, their Internet addresses end with .org, .gov or .edu. If you find them, you may freely believe the information stated there.

Choose the Right Vocabulary

Many folks aren’t able to choose the right words to suit the thematic of their writing. Commonly, it happens because their vocabulary is too short. Read as much as you can and study different fields. Compile the experience and make your texts more vivid. Thus, students choose appropriate lexicon regardless of the topic and discipline.

Obligatorily note and memorize our tips. They are universal and really effective. Using them properly every time you’re assigned an essay or any other assignment, you’ll turn it into a real masterpiece. Practice these methods and you’ll definitely improve your English writing skills.

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