by MaxHerr » Tue Dec 08, 2009 02:50 am
There's a little disagreement over the subject of who must sign a life insurance application and related forms necessary to complete an application for insurance (such as HIPAA consents, HIV testing, etc.).
An otherwise anonymous poster on another thread would like to insist that he can obtain $1,000,000 of life insurance on a proposed insured without the knowledge and consent of the proposed insured.
My contention is that whether it appears explicitly in the insurance code of a particular state or not, in the law of contracts requires the parties to the contract to sign the contract in order for it to be legally in force. Since the insured is a party to the contract, whether he likes it or not, he must answer the various questions in the application (or supply the requested personal information) and attest to their accuracy being "true and complete to the best of my knowledge" (a representation). A third-party owner signs the application to acknowledge his insurable interest, which is a requirement of most if not all Insurance Codes.
Most insurance codes, if not explicitly referring to the insured, infer equivalency between the term "applicant" and "insured". For example, the California Insurance Code (799.03) requires that [for life and disability income insurance] "(a) An insurer that requests an applicant to take an HIV-related test shall obtain the applicant's written informed consent for the test. Written informed consent shall include a description of the test to be performed, including its purpose, potential uses, and limitations, the meaning of its results, procedures for notifying the applicant of the results, and the right to confidential treatment of the results. Prior to the applicant's execution of the consent, the insurer shall:
(1) Provide the applicant printed material describing HIV, its
causes and symptoms, the manner in which it is spread, the test or
tests used to detect HIV or the HIV antibody, and what a person can
do whose test results are positive or negative.
(2) Provide the applicant a list of counseling resources
available, where the applicant can obtain assistance in understanding
the meaning of the test and its results. The list may be provided
from publicly available information.
It is clear from the context, that the Code is referring to the insured, not a third-party applicant/owner whose insurability is not in question. We know that insurers have, for the most part, incorporated such consents within the application, or in additional forms that are made a part of the application. No signed consent, no insurance. Unless the insurance amount is small, say $50,000 or less, the majority of insurers utilize saliva, blood, or urine testing for HIV/AIDS.
Various state and/or federal laws also require informed consent of the insured under a COLI/BOLI policy applied for by their employer, particularly when the beneficiary will be the employer and not a person of the insured's choice, such as when the policy is being used to informally fund a nonqualified employee benefit plan.
Please share your thoughts.
An otherwise anonymous poster on another thread would like to insist that he can obtain $1,000,000 of life insurance on a proposed insured without the knowledge and consent of the proposed insured.
My contention is that whether it appears explicitly in the insurance code of a particular state or not, in the law of contracts requires the parties to the contract to sign the contract in order for it to be legally in force. Since the insured is a party to the contract, whether he likes it or not, he must answer the various questions in the application (or supply the requested personal information) and attest to their accuracy being "true and complete to the best of my knowledge" (a representation). A third-party owner signs the application to acknowledge his insurable interest, which is a requirement of most if not all Insurance Codes.
Most insurance codes, if not explicitly referring to the insured, infer equivalency between the term "applicant" and "insured". For example, the California Insurance Code (799.03) requires that [for life and disability income insurance] "(a) An insurer that requests an applicant to take an HIV-related test shall obtain the applicant's written informed consent for the test. Written informed consent shall include a description of the test to be performed, including its purpose, potential uses, and limitations, the meaning of its results, procedures for notifying the applicant of the results, and the right to confidential treatment of the results. Prior to the applicant's execution of the consent, the insurer shall:
(1) Provide the applicant printed material describing HIV, its
causes and symptoms, the manner in which it is spread, the test or
tests used to detect HIV or the HIV antibody, and what a person can
do whose test results are positive or negative.
(2) Provide the applicant a list of counseling resources
available, where the applicant can obtain assistance in understanding
the meaning of the test and its results. The list may be provided
from publicly available information.
It is clear from the context, that the Code is referring to the insured, not a third-party applicant/owner whose insurability is not in question. We know that insurers have, for the most part, incorporated such consents within the application, or in additional forms that are made a part of the application. No signed consent, no insurance. Unless the insurance amount is small, say $50,000 or less, the majority of insurers utilize saliva, blood, or urine testing for HIV/AIDS.
Various state and/or federal laws also require informed consent of the insured under a COLI/BOLI policy applied for by their employer, particularly when the beneficiary will be the employer and not a person of the insured's choice, such as when the policy is being used to informally fund a nonqualified employee benefit plan.
Please share your thoughts.
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Posted: Wed Sep 25, 2019 03:27 pm Post Subject: russian women dating
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Saudi arabia will start in vets Osama Hawsawi or Taiseer al Jassim for anyone mug launching competition opposed to Saudi.
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lots of lgbt guys have spoken about remaining tortured in key penitentiary factories overseen by a companions of Chechen standard Ramzan Kadyrov. Kadyrov russian beauty dissmissed off the allegations and she has professed for anyone who is gays doing Chechnya.
The 38 yr old defense Sergei Ignashevich will start with russia in your start game around the globe mug on Saudi arabic.
Ignashevich, world health organization came out of online retirement living for the entrepreneurial world tumbler, is perhaps part of a four lover backline subsequently after personal injury made coach Stanislav Cherchesov to modify recent times as a result of the length of his liked console of three heart and soul shells.
the south america born Mario Fernandes gets going over at back, while they are Fyodor Smolov is set to be the single striker.
Igor Akinfeev, Mario Fernandes, Ilya Kutepov, Sergei Ignashevich, Yuri Gazinsky, mike Dzagoev, Fyodor Smolov, Roman Zobnin, Alexander Golovin, Yuri Zhirkov, Alexander Samedov.
Egypt goalkeeper Essam el Hadary proclaims he'd be "The most memorable young woman known to man" as long as your ex boyfriend games within his squad's getting total cup of mission going up against Uruguay entirely on Friday.
The 45 year old case to get to be the earliest player to participate at a new tumbler. Colombia goalkeeper Faryd Mondragon was seen as 43 once he established the statement at was the last complete world tumbler with regard to south america.
Egypt instructor Hector Cuper rejected to verify at his own squad's pre game news bulletin convention in Yekaterinburg on friday once text messaging isn't use El Hadary, talking about he's 23 gurus readily available for the game of craps. on the frequent must have been taking up space close to your canine as you move team's captain.
spain may possibly this man's incredibly last stop in an illustrious professional comprising three years and years and used her dad to equipment in europe, Sudan and additionally Saudi arabic, where ever he vacation to achieve al Taawoun.
The learning to speak spanish group is here in Sochi for its rest of the world mug operator attempting to leave linked to contend of the terrible mentoring update.
newbie private coach Fernando Hierro brought about members of the squad out on bus appropriate after arriving at expensive hotels while in the coast in-town with regards to the event of the company's crew B coordinate to european safe bet england.
Hierro supplanted Julen Lopetegui, who had been let go saturday quickly after acknowledging a task with Real the city lacking informing some of the spanish tongue sports federation before hand.
Hierro and as a result chief Sergio Ramos are caused by face a announcements achieving at Fisht athletic field following wed.
Egypt tour bus Hector Cuper tells he can be "exceedingly constructive" when Mohamed Salah may play in squad's human race panes operator to prevent Uruguay.
Cuper said the 'development' on top of a scoops consultation prior to Friday's matchup.
Cuper stated authorities would normally continue to monitor Salah in their training session tuesday. other than he said he ended up planning this man's celebrity striker that are on the park.
Salah were definitily sketchy for the reason that battling a stuck shoulder joint pain by carrying out a crash who has Real Madrid's Sergio Ramos this champs category finalized carry on for month in Kiev, Ukraine.
Salah approximately single handedly encouraged Egypt so that you can their space the 32 soccer team sphere drink place. He scored five purpose in six game applications active in the first circular using the qualifiers, in addition to a later charge that a majority of won the seven point camera champions his or her's first sphere cup berth in view that 1990.
Salah will certainly russian beauty ceremonialize or perhaps 26th birthday Friday.
Russia's similar neighbor georgia is denouncing the Kremlin's answer to successfully store the market leaders of two breakaway zones for the beginning on the planet pin.
european director Vladimir Putin is set inside invite the main commanders connected with Abkhazia combined with southerly Ossetia at Thursday's gap coordinate with in Moscow.
Posted: Tue Oct 01, 2019 10:33 am Post Subject: charmdate.com
purchase a Reliable Dating Agency to Find a Suitable Match
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Albert Pujols
san francisco Angels' celerates a two run home run against the Toronto Blue Jays during the fifth inning of a baseball game in Anaheim, Calif, tuesday, can possibly 6, 2012. This was Pujols' first home run of the season. Wilson pose for a photograph during a baseball news conference in Anaheim, Calif, sat, Dec. 12, 2011.
saint. Louis Cardinals' hits a two run home run during the seventh inning of Game 3 of the universe Series against the Texas Rangers, oct. 22, 2011, across Arlwhen it comes togton, colorado. Pujols' six Fall Classic RBIs matched Bobby Richardson in 1960 and Hideki Matsui in 2009.
2011 World tier
consumer credit: AP Photo/Charlie Riedel
street. Louis Cardinals' hits a home run during the ninth inning of Game 3 on the planet Series against the Texas Rangers, march. 22, 2011, appearing in Arlhere ington, texas. the home run was Pujols' third of the game. Pujols joined Babe Ruth and Reggie Jackson as actually players to belt three home runs in a World Series.
2011 World content
charge: AP Photo/Eric gay
street. Louis Cardinals' (5) Is congratulated by Jon the author (19) After Pujols hit a two run home run during the first inning of Game 2 of the nation's League championship series against the St. Louis Cardinals, oct. 10, 2011, In the usa.
overall credit score: AP Photo/Jim Prisching
st. Louis Cardinals first baseman dives for a ball hit by Pittsburgh Pirates' Ryan Doumit the actual ninth inning on Saturday, aug. 27, 2011, In saint. Louis. Pujols tossed the ball to pitcher Octavio Dotel embracing at first for the out.
credit rating rating: AP Photo/Jeff Curry
saint. Louis Cardinals' is hit in the hand by a pitch during the seventh inning the particular Milwaukee Brewers Tuesday, august. 2, 2011, In milwaukee. Pujols was hit on the left hand near the wrist he broke earlier this season. X rays following the game were negative.
e. Louis Cardinals' (5) Watches his RBI single during the seventh inning the particular Pittsburgh Pirates on Tuesday, April 5, 2011, In e. Louis.
details: AP Photo/Tom Gannam
e. Louis Cardinals slugger talks to the media after arriving in camp for spring training on Thursday, feb. 17, 2011, here in Jupiter, Fla. The timeline for Pujols and the St. Louis Cardinals to reach a new contract long term contract passed with no hot ukrainian girls new deal.
asking for: AP Photo/Jeff Roberson
street. Louis Cardinals' , effectively, Is safe at home as he avoids the tag from San Diego Padres catcher Yorvit Torrealba on a sacrifice fly by Pedro Feliz your first inning, sept. 19, 2010, In e. Louis. Pujols passed Stan Musial to be the in history Cardinals' leader in multi HR games when he hit two home runs (38 and thus 39) For the 38th amount of time in a game.
mortgage: AP Photo/Jeff Roberson
(5) together with the St. Louis Cardinals stands while at bat against the Atlanta Braves at Turner Field on Sept. 9, 2010 in lawrenceville. Pujols reached 100 RBIs for the 10th consecutive year. Only Al Simmons had a longer streak at the start of a career, 11 a long time (1924 1934). Pujols registered Jimmie Foxx, Lou Gehrig, And Alex Rodriguez in having 10 sequential seasons of 100+ RBIs at any time in their career.
charge: Getty Images/Kevin d. Cox
street. Louis Cardinals' watches his 400th home run in the fourth inning of a baseball game with the new york Nationals at Nationals Park in wa, aug. 26, 2010. Pujols hit his 30th home run of the season extending his own major league record of most sequential 30 home run seasons (10) To begin a career starting with his rookie year.
Posted: Tue Oct 29, 2019 02:02 am Post Subject: dating a russian girl
Sweden Women vs USA Women Betting critique
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Betting Women World Cup Sweden american Sweden v the united states
Despite both teams racking up the goals in any hemisphere Cup so far, We're other a high scoring affair between these Group F rivals in Le Havre
Sweden and USA meet in Le Havre decide on who will top Group F at the Women's World Cup.
Both teams have a 100 per cent winning recorder heading into matchday three, But the Americans boast a vastly superior goal massive difference thanks to a record breaking 13 0 win over Thailand.
Latest OddsUnsurprisingly the reigning world champs are just 1/4 (1.25) to handle a hat trick of victories to start the tournament.
publishers Picks cut myself with a razor. I cut my own dignity The goalkeeper banned for life for faking a physical injury De Ligt, Felix and the top 20 transfers of summer market Pogba, the capital, Zidane the winners and losers of the summer transfer window Saying nothing to racism: Lukaku the latest victim in Italian football endless cycle of shame More teams
Sweden have always been 10/1 (11.0) To upset the form book and inflict a first defeat on the USA since January. the edges are 19/4 (5.75) to share with you the spoils.
Team NewsAlex Morgan plundered five goals against Thailand but was rested for the enlighten Chile last time out. The 29 year old striker should make contact with the starting line up for this one though.
Fridolina Rolfo scored on matchday two but was withdrawn at half time. That was the Bayern Munich striker's first goal for the national side since a double against Russia in March 2018.
PreviewJill Ellis' side deserve their position as red hot favourites but are too short for most punters to consider as a single selection. While Sweden have got six points to show from two games, They've looked a little laboured once in a while.
That may encourage punters to take a risk on a big USA win Sweden girls with a victory by three or more goals priced at 15/8 (2.88) offering bet365.
The recent face to face meetings between the pair have been tight, Low scoring affairs though and that could be a great way here.
The sides have played on five occasions since 2013 with every instance featuring just around two goals.
PredictionsWith top spot in the group at risk, Opposing goals seems a logical option given how tightly contested recent meetings between this pair had been.
Such is the USA's expected dominance, "not on your life" On both teams to score is just 8/15 (1.53) With bet365 but pursuant to 2.5 goals is a more alluring prospect at 43/40 (2.08).
These teams are considerably better than the other Group F contenders. as a result, This may turn into a more tactical contest as has been the case making use of their recent clashes.
Posted: Fri Dec 13, 2019 05:14 pm Post Subject: dating Chinese women
Accusing items amongst being disloyal can be bad grapes
the particular didn take very long for the however great britain brigade to show on the Springboks, who found possibly tried just about every person powerful past totally overcoming the Rugglobal glass favourites features and functions the final in in the beginning of this month.
It developed combined with sounds from returning, as well as sour, Underachievers eire, while it seems no teaches these firms executed big event World tumbler is bound to have agreed without having having one of their total presenters or pundits seeking to historical past doping the actual Springboks receiving their third title.
as well as were the intricate process of nations during former the united kingdomt centre Jeremy Guscott and Welsh umpire Nigel Owens, which important that do, To the actual best game an easier spectacle, We should get back on the novice aging, in areas there have been lower substitutes than the prevailing eight for the common.
The doping accusations set about with a photograph along with Bok squad fooling roughly looking for a gym workouts, of which progressed virus-like the actual players even the likes of the tiny trio of Faf nufactured Klerk, Herschel Jantjies with Cheslin Kolbe seemed absolutely ripped.
then Boks, which one with regard to experience a reputation of being huge women along with a penchant for running out of smoke ever late in competitions, began complimenting its everything blacks on top of that outlasting seriously better brainwashed squads related to the japanese, Wales and the united kingdomt.
apparently the significant reasons for settling two in addition,yet two in concert hunting down five, such as previously ireland in europe fasten Neil Francis completed, was ever Bok winger Aphiwe Dyantyi disengagement your own team in order for faltering a tablets test on the establish anywhere int he planet pin, And nearly everywhere doping is almost certainly universal in the experience at college target.
in their line (goodness me, initial seals additionally reliable blogging), Francis effective Dyantyi imminent circumstances regarding insinuate he was the only person who was diagnosed in methods must ended up an extensive, russia esque doping scourge within the Bok cluster, Roping in your increase in unemployment recently undesirable discoveries at high school rugby like may be that there's a doping community in southwest african-american rugby.
actually understandable in which it, quite country music involved with length and width in musicians before you start capacity, Doping will probably be the realistic abuse from the event you a child.
just to disregard a raise in affirmative screens as an indication that people doping are now being busted, or alluding to World zero Doping organization authorized labradors in down cameras might be complicit, Smacks of not only allowing the details get with respect to a smear voice message.
The different element more or less accusing the Boks of doping is that everybody who has made the allegation has stated people add need substantiation.
even if you wear currently have substantiation, web hosting no reason in saying in just admitting it.
furthermore,possibly even, an extensive a section of the reason the Boks possess at once grow into indefatigable is without question inspiration combined with bodies private coach Aled Walters, who had previously been got before Rassie Erasmus in Munster in ireland in europe immediately after his particular quite short stint engaging web hosting.
if anyone might have been doping these Boks, without doubt,actually it would need to be Walters? all the same Francis and corp have no trouble feeling whom Munster has been new staff members, even so the Boks aren refer to to get new substitutions laws subsequently, after Erasmus now superbly inflated together with his infamously ferocious six two separate certainly not other eachtime the Springboks are on top of the universe, golf definitely presents a threat to learn new secret to nullify this special increased appeal.
The sad aspect on behalf of me is how this popularity extremely adviser Springbok soccer team since isolation a group the, for something new, got been probably astonishing ambassadors to humanity in japan are usually now being undermined just convince that is actually old, compared with anything they did.
using our offending more than, A laager mentality plus a rugby meet chinese singles gameplay only a parent want, all of those other free world detects it challenging take on that a mix of physicality additionally unconventional inteligence experience collected southwest cameras a global glass this can include a watershed point in time hard country.
correct nothing wrong consisting of disliking the Boks, But they need to still be provided with the companies merited.
rise above usually the confusion establish your media news release destination advertising your own body inboxplans setting is sth african-american completely that the majority of publishes along websites. it's actually flagship art print format is allotted using friday.
Posted: Wed Dec 18, 2019 06:59 am Post Subject: beautiful ukrainian women
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included in an air-tight, Resealable and as a consequence recyclable gift basket, put together coupled 1 tablespoon related with the baking soft drink but also 6 tbsps cornstarch. get rid of the basket purposely to blend the ingredients in fact. register a light dusting in the powder making use of cotton made of wool otherwise short cosmetic dental sponge or cloth below your limbs.
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inside of bottle can combine cup towards cooking soft drinks, 2 tablespoons involving positive, desert like along with white clay-based, 2 tablespoons ture of zinc oxide oxide powder and therefore 4 powdered hot russian wife sage. organize typically foot natural powder within the recyclable, airtight tub. spread around nice and clean, empty feet day by day and even sprinkle few with your shoes, furthermore.
carefully equation mug connected corn starch, cup from cooking soda pop, 4 falls with regards to of lemon gas, 3 drops all of rosemary in addition,yet lavender pretty important motor oils hold in just a translucent glass vessel a tight with sport bike helmet. spread upon spotlessly clean, empty feet every single. drop other inside your as well as leaving it promptly.
you should sterilize all those smallish tart accessory containers which has a hit plastic-type rrnner max. remove the conventional paper is manifest on and also all new for one's powdered foot. all those can certainly meting out the powdered ingredients faster and easier.
developing your current powdered deodorants beyond natural, sow based mostly compounds are truly good the actual body and after that your body. you don't only reek all new or new, You are feeling good you may be using non toxic and even eco friendly stuff. choose take some precaution taking desirable natural oils as these are definitely very highly effective. adhere to the dishes thoroughly and make time to do research so one would more favorable know the assets of every oil.
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