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	<title>Answers for InsuranceLibrary.comBrian Greenberg - President - True Blue Life Insurance</title>
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		<title>Answer on Who Gets Life Insurance If No Beneficiary? by Brian Greenberg</title>
		<link>https://www.insurancelibrary.com/life-insurance/who-gets-life-insurance-if-no-beneficiary#answer_20398</link>
		<dc:creator>Brian Greenberg</dc:creator>
		<pubDate>Wed, 28 May 2014 03:01:19 +0000</pubDate>
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		<description><![CDATA[An alternative option is naming a trust as the beneficiary. This way you can outline the full line of beneficiaries in the order you wish. You will need to form a trust to do this. A living trust is a great document to have as it usually contains your will and medical directives as well.]]></description>
		<content:encoded><![CDATA[An alternative option is naming a trust as the beneficiary. This way you can outline the full line of beneficiaries in the order you wish. You will need to form a trust to do this. A living trust is a great document to have as it usually contains your will and medical directives as well.]]></content:encoded>
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		<title>Answer on What Questions Do They Ask For Life Insurance? by Brian Greenberg</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-questions-do-they-ask-for-life-insurance#answer_20166</link>
		<dc:creator>Brian Greenberg</dc:creator>
		<pubDate>Fri, 23 May 2014 06:13:08 +0000</pubDate>
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		<description><![CDATA[An important thing to know is what they don&#039;t ask you but do check. For instance, insurance companies will check:


Your MIB (medical insurance bureau) to see if you have applied with other companies and if you have been declined.
You MVD report (Motor Vehicle Department) to see if you have any outstanding tickets, felonies, or dui&#039;s.
Your Pharmacy Report to see what medications you have been prescribed by Doctors.

Make sure you answer the above questions honestly on the applications as the underwriters will be checking this information.]]></description>
		<content:encoded><![CDATA[An important thing to know is what they don't ask you but do check. For instance, insurance companies will check:


Your MIB (medical insurance bureau) to see if you have applied with other companies and if you have been declined.
You MVD report (Motor Vehicle Department) to see if you have any outstanding tickets, felonies, or dui's.
Your Pharmacy Report to see what medications you have been prescribed by Doctors.

Make sure you answer the above questions honestly on the applications as the underwriters will be checking this information.]]></content:encoded>
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		<title>Answer on Who Is The Best Term Life Insurance Company? by Brian Greenberg</title>
		<link>https://www.insurancelibrary.com/life-insurance/who-is-the-best-term-life-insurance-company#answer_20165</link>
		<dc:creator>Brian Greenberg</dc:creator>
		<pubDate>Fri, 23 May 2014 06:05:34 +0000</pubDate>
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		<description><![CDATA[As an independent agent I sell from many different companies. It is hard to say what company is the best as it often depends on the individuals situation. I will say that for medically underwritten policies we sell quite a bit of American General, Genworth, and Prudential.
Another interesting option is the no medical exam policies. Assurity, American National, and Sagicor have some very good options, though you will pay about 15 - 30% more for the policies.]]></description>
		<content:encoded><![CDATA[As an independent agent I sell from many different companies. It is hard to say what company is the best as it often depends on the individuals situation. I will say that for medically underwritten policies we sell quite a bit of American General, Genworth, and Prudential.
Another interesting option is the no medical exam policies. Assurity, American National, and Sagicor have some very good options, though you will pay about 15 - 30% more for the policies.]]></content:encoded>
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