Free sexdates - Backdating insurance

State laws often limit (to six months) the time to which policies can be backdated.

In simpler terms, backdating means changing the start date of the policy to an earlier one.

In such a situation, if he backdates his policy to 6 months earlier, then he would be considered getting that policy at an age of 40.

chemical dating uraninite - Backdating insurance

It means if you are 32 years and 7 months old, the insurer will consider your age as 33 years.

This nearest age may put you in a higher premium slab.

However, you should exercise this option only if you have sufficient funds.

If you have term insurance:- Backdating a term policy is a futile exercise because the coverage for the previous backdated period becomes irrelevant.

A procedure for making the effective date of a policy earlier than the application date.

Often used to make the age at issue lower than it actually was in order to get a lower premium.This back-date policy will reduce the premium liability for the insured during the policy tenure.Let’s look at some advantages of backdating insurance policy.Backdating means altering the start date of the life insurance policy to a timeline earlier than when the document was originally bought.Suppose you bought a policy on 5th August 2013 but end up realizing later; had you purchased the policy two months earlier, you could have got it at better premium rates. You can request your insurer to change the official start date to 4th June 2013.You should avoid backdating in the following situations:- If you are young :- Backdating is not very useful for applicants falling in the age group of 20-25 years because there is no major change in premium.


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