When an applicant is tested for HIV, what does it affect

The type of policy

Charge a higher premium

Cant attach a rider

Who needs to be present/signed for a viatical settlement?

Viator and insured

Beneficiary and insured

Viator and applicant

A disabled child may remain on the policy if incognative

Must be both incapable and dependant

Must show incpability of

Incapablity

Just capability

The insurer gets the premium

Send the payment with application

Send it once approved

Collects from an insurer then the insurer forwards it

Collects premium at the time of policy

Just purchased a policy and paid first initial premium of $30,000 Policy, she dies after the first premium was paid

She will receive 1/12 of the

She will receive 30,000 Tax Free

She will receive the payment minus the first premium

She will receive the whole face value