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Frequently asked questions
The “Affordable Care Act” (ACA) is the name for the
comprehensive health care reform law (passed in 2010) and
its amendments. The law addresses health insurance
coverage, health care costs, and preventive care.
If you are subject to ACA rules, you are expected to meet
the Individual Mandate each calendar year, or you will be
subject to tax penalties when you file your Federal tax
return.
Under the Affordable Care Act (ACA), Medicaid coverage is
extended to nearly all nonelderly adults with incomes at
or below 138% of the federal poverty level (FPL) (about
$23,556 for a family of three in 2022) in the 42 states
(including DC) that opted to expand as of March 2023.
ACA provides Californians with better health security by
setting up modifications that expand coverage and lower
health care costs. It also ensures more choice and
enhances the quality of care for all. The law has created
marketplaces, popularly known as exchanges, where
consumers can compare plans in an easier format.
Applicable large employers (ALEs) are required to report
under the Affordable Care Act. ALEs have an average of 50
or more full-time employees, including full-time
equivalent employees (FTEs), during the prior year.
By paying a monthly premium or a lump sum to your insurer
for life cover, you can safeguard your loved ones from
financial hardship if you die or suffer from one of a list
of illnesses. The money can be put towards funeral costs,
payment of a mortgage, debts, or your family's living
expenses.
Yes, a medical exam is almost always part of the
traditional life insurance underwriting process. There are
a few no-medical exam life insurance policies out there,
but they typically tout lower coverage amounts and higher
prices than comparable policies subjected to the full
underwriting process.
An underwriter works for the insurance carrier and is
basically tasked with figuring out how risky you are to
ensure — or what classification you belong in. As we
mentioned, they’ll look at your paramedical exam results,
medical records and even your motor vehicle reports.
The death benefit is how much the life insurance policy
pays to your beneficiary, untaxed and in a single lump
sum, should you die. That amount is considered the "face
value" of the policy. Before you ask, "face value" is a
fancy way of saying how much your policy is worth. And,
just in case, your beneficiary is the person you designate
to receive the death benefit.
Term life insurance is a policy that covers you for a
fixed period of time. So, if you die during the term, your
beneficiary gets the death benefit. Permanent life
insurance, on the hand, covers you permanently. Your
beneficiary is still entitled to the death benefit when
you die, but there’s also a cash value component you can
borrow against or partially cash out after a period of
time.
The flat fee recurring charge will continue until the
customer cancels the CRM/DAILER Subscription.
How to Cancel Your Subscription:
How to Cancel Your Subscription:
- Select the "Login/Signup" option on the top page
- Enter your email address.
- Consult your email for the login link to the Customer Portal.
- Choose "Cancel" and provide a reason for your termination.
- Your subscription will conclude at the end of the current billing cycle.