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Life Insurance Term Paper

life insurance term paper

Term Insurance Plans are specifically designed to secure your familys core financial needs in case of death or uncertainty. According to the plan, family/dependents of the life insured is/are eligible for a lump sum amount in case of death or critical illness, if applied for, of the life insured and during the term …Jan 18, 2019 · Is term life insurance worth paying for at age 70? Im halfway through a 20-year term policy for $300,000. It costs me $3,600/year. Would it be a poor choice to drop the policy?Standard Term Insurance. Standard term insurance is the most simple and straightforward term plan. The life assured pays the premium as per the mode decided at the time of policy purchase.Term life insurance is a policy which provides financial coverage during a set amount of time. Often considered the simplest form of life insurance, it is best suited for providing coverage or income for a short term and on a limited budget. How It Works A term life insurance policy covers the ...Data source: Compulife Quotation System as of Jan. 2019. How to buy life insurance. The life insurance applications process is paper-intensive, can take 30 to 60 days and often seems intrusive for people who value their privacy.Have you heard of the limited pay option available with our term plan? This option makes your term insurance much cheaper. Wondering how? Well, the plan is designed this way. All you have to do is select the amount of life cover you need, then select the payment option as limited pay.Protect the ones you love for life Term life insurance, with a guaranteed income tax-free death benefit, can make it simple to protect your loved ones for a specific period of time.Get a life insurance quote and explore your coverage options, including term, permanent, universal life and personal accident insurance.No medical exam term life insurance does not require an in-home exam like traditional term life does. Its the same great coverage, without the fasting, needles, and inconvenience.life insurance term paper $divdiv

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  • Terms & conditions
  • Privacy policy
  • Referral program

TERMS & CONDITIONS

 

Please read these Terms and Conditions (“Terms” and/or “Terms and Conditions”) carefully before using the essayseducation.com website (“Website”).

 

INTRODUCTION

 

Your access to and use of Website are conditioned on your full acceptance and compliance with these Terms and Conditions and this Website Privacy Policy, which are published at essayseducation.com and which are incorporated herein by reference (“Privacy Policy”). These Terms and Conditions and Privacy Policy are applied to all visitors, users and others who access or use this Website.

By accessing or using this Website, you agree to be bound by these Terms and Conditions and Privacy Policy. If you disagree with these Terms and Conditions and/or Privacy Policy or any part of them, you must not use this Website.

Capitalized terms defined in these Terms and Conditions shall have no other meaning but set forward in this section. The following terminology is applied to these Terms and Conditions, Privacy Policy and Refund and Revision Policy: “Client”, “You” and “Your” refers to you, the person accessing this Website and accepting these Terms and Conditions. “We”, “Us” and “Ourselves” refers to essayseducation.com website. Any use of the above terminology or other words in the singular, plural, capitalization and/or he/she or they, are taken as interchangeable and therefore as referring to same.

 

ELIGIBILITY

 

By using our Services, you represent and warrant that (a) all registration information you submit to essayseducation.com is truthful and accurate; (b) you will maintain the accuracy of such information; (c) you are 18 years of age or older and/or have full legal capacity to enter into legally binding relations; and (d) your use of the Services does not violate any applicable law, regulation, and/or your college/university/school rules.

Your profile may be deleted and Services provided to you may be terminated without warning, if we believe that you are less than 18 years of age and/or do not have full legal capacity to enter into legally binding relations.

 

PROVIDED SERVICES

 

Subjected to full compliance with these Terms and Conditions, essayseducation.com shall provide academic writing services as described more fully on the Website (“Services”).

Services may include, but not be limited to, providing our Clients with dissertations, research papers, book reports, term papers, and other types of assignments written by essayseducation.com team (“Paper”) which are intended for research/reference purposes and for your personal use only. Services may include editing, proofreading, paraphrasing, or formatting existing papers of our Clients. Please note that rewriting an existing paper that contains 40% or more plagiarized content may qualify as providing you with a custom Paper and shall be charged for accordingly.

Please note that Services may be provided only to the users who submit an appropriate order form at the Website and essayseducation.com may charge fees for such Services. The Services are provided according to the provisions of these Terms and Conditions and the specific commercial provisions and policies (including Privacy Policy, Refund Policy, etc.) as detailed on the Website, and these provisions and policies may be amended or changed from time to time.

The format of the Papers we provide:

  • 12 point Times New Roman;

  • Bibliography on a separate page;

  • Double-spaced;

  • MS Word file;

  • Approximately 250 words per page;

  • One inch margin top, bottom, left, right;

  • Title and Reference pages are free of charge

In case Client needs a single-spaced Paper they are to pay a double fee. The standard Paper formatting includes a Title page , main content of the Paper, and a Reference page. Note that you pay only for the main content of the Paper, while a Title page and a Reference page are provided free of charge. essayseducation.com reserves the right to use any relevant materials available, such as books, journals, newspapers, interviews, online publications, etc., unless the Client indicates some specific sources to be used.

 

PLACING AN ORDER

 

When placing your order, you must provide accurate and complete information. You are solely responsible for any possible consequences and misunderstandings, in case you provide us with inaccurate and/or incorrect and/or unfaithful information.

Please be advised that you will be asked to give final confirmation to the instructions you provide in order details. Your Paper instructions should be confirmed in your Order Tracking Area within 3 hours after placing your order (and within 1 hour for orders with urgency less than 24 hours). Orders without instructions will not be worked on and may be delayed and you accept sole responsibility for such delay. essayseducation.com guarantees that the delivered Paper will meet only confirmed requirements. You must not change the instructions once you have confirmed them. Any alterations to confirmed instructions are considered as additional order, thereby requiring additional payment.

 

PAYMENT

 

All payments are due upon receipt. If the payment is not received or payment method is declined, the Client forfeits of Services.

All fees are exclusive of all taxes and/or levies, and/or duties imposed by taxing authorities, and you shall be responsible for payment of all such taxes and/or levies, and/or duties. You agree to pay any such taxes that might be applicable to your use of the Services and payments made by you under these Terms.

If at any time you contact your bank or credit card company and decline or otherwise reject the charge of any payment, this act will be considered as a breach of your obligation hereunder and your use of the Services will be automatically terminated.

Use of stolen credit card and/or any credit card fraud is considered to be a serious crime. essayseducation.com closely cooperates with our payment provider to prevent and fight online fraud. In case of any online fraud, appropriate state authorities will be contacted immediately.

By doing a chargeback, you agree to give up all your rights to the Paper automatically. At the same time, you authorize essayseducation.com to publish the completed Paper and start the authorship procedure that will allow us to determine if you have used any parts of the Paper. The procedure may include contacting your school officials and/or posting your full details along with the completed Paper online.

essayseducation.com reserves the right to change its prices at any time in its sole discretion and such changes or modifications shall be posted online at the Website and become effective immediately without need for further notice to any Client and/or user.

 

DISCOUNT POLICY

 

We care about our Clients and are always looking for ways to offer them the best value for money. One method we use is a discount system. essayseducation.com, at its sole discretion, shall have the right to provide our Clients with discount programs as described more fully and published on the Website.

 

LOYALTY PROGRAM

 

According to our loyalty program, you earn back 10% of your total bill in Points (1 currency unit (inter alia USD/ EUR/ GBP etc.) = 1 Point) after you make your first order. Your Points are accumulated on your Credit Balance. “Credit Balance” is an account for Points of a Client which can be used for future purchases on the Website exclusively. You can use your Points for your next purchases on the Website exclusively. Your Points cannot be refunded.

The validity period of Points is 9 months after they are added to your Credit Balance or activated. To save your Points, simply make the next order not later than 9 months after the previous purchase. If you don`t order any service from us within 9 months, all of your Points will be completely withdrawn from the Credit Balance without any recovery possibility. We will inform you about that a month before the withdrawal of your Points. 

The discount may be obtained by the use of the promo code. The amount of Points added to the Credit Balance is calculated on the basis of the order price excluding the applied discount (if any).

Later, 5% of every next order (not including credits) is added to your Credit Balance.

 

REFUNDS

 

essayseducation.com will issue a refund to you only according to these Terms. essayseducation.com offers a 14-day money back period for Papers less than 20 pages and a 30-day period for Papers more than 20 pages (”Refund Period”). Refund Period begins on the date of Client`s order deadline and expires on the last day of the Refund Period. In case you are not satisfied with any of the Services, you can submit a refund request according to these Terms within the Refund Period. Once the Refund Period elapses, essayseducation.com will not refund any amounts paid.

If the order is not completed and/or the Paper is not downloaded or delivered in its complete form by or to you, the full refund is issued at any time. In the event of order cancellation, the funds will be debited back only to the account of the initial payment within 5-7 business days from the time of cancellation request.

In other case essayseducation.com assesses refund requests on a case-by-case basis as there are usually unique reasons as to why a refund request is made. Please note that if you request a refund, we may require documented proof that the quality of your order is low (e.g., scan copy of your instructor’s feedback, plagiarism report, etc.). Should you feel it necessary to make a refund request, we will immediately forward your order to our Quality Assurance Department. After comparing their findings with the reasons for dissatisfaction, the necessary corrective actions will be taken. Any refund request must be made within the Refund Period.

In case essayseducation.com reimburses the money because of mistakes or some irrelevance to the initial instructions, our Quality Assurance Department, at its sole discretion, evaluates the quality of the Paper and refunds an amount comparable to the percentage of incorrect content in the Paper and mistakes present in it.

essayseducation.com provides various methods of contact (i.e. email, telephone, message board, and live chat) to facilitate communication between you, us and the writer assigned to complete an order. Using any of these methods, our Customer Support Center is available to you at any time and will respond to any refund request or other issue promptly. However, if such a request is not received using any of the aforementioned methods within the Refund Period, essayseducation.com will not be obliged to honor or consider the above said request.

Should the Paper delivery be delayed due to unexpected circumstances, from the side of essayseducation.com, we may provide compensation for the breach of the order deadline in the form of a credit or a discount to be used towards your next order with us. Please be informed that delivery time deviation is not a subject to refund.

 

REVISIONS

 

Any revision request or complaint in regards to a Paper that essayseducation.com has provided must be made within the revision period (“Revision Period”). essayseducation.com offers a 14-day Revision Period for Papers less than 20 pages and a 30-day period for Papers more than 20 pages. Revision Period begins on the date of Client`s order deadline and expires on the last day of the Revision Period. After that point, no revision and/or complaint will be accepted.

essayseducation.com recognizes that orders vary in size and complexity; as a result, dissertation, thesis and/or other sufficiently large assignment may be granted 30-day Revision Period. Sufficiency in the size of the Paper will be determined by essayseducation.com in its sole discretion.

In case a request for revision is not submitted within the Revision Period, essayseducation.com tacitly accepts that the Client is satisfied with the Paper and requires no further actions to be taken in regards to the Paper unless extra payment is provided or a new order is placed.

Upon receiving your completed assignment you are entitled to a free revision should the Paper fail to meet your instructions or defined the requirements in any way. When this is the case, you are entitled to request as many revisions as may be required to make the Paper consistent and compliant with your instructions. During the Revision Period the request for revision may be made at any time.

All revisions must be based on the original order instructions. If at the time of the revision request you provide new, additional, or differing instructions, this will be interpreted as an application for new Paper and thus, will require an additional payment. Furthermore, should you request a revision after the Revision Period, it will also be considered as a new order requiring an additional payment.

 

VERIFICATION

 

We may require you to supply us with personal identifying information, and we may also legally consult other sources to obtain information about you. By accepting these Terms and Conditions, you authorize us to make any inquiries we consider necessary to validate the information that you provide us with. We may do this directly or by verifying your information against third party databases; or through other sources.

Essentially, verification procedure involves, inter alia, confirming that the order is authentic and that the cardholder is aware of charges by placing a phone call to them, and in certain cases by requesting some additional documents to be submitted for verification to our Risk Department. In order to ensure timely delivery of your order, this procedure must be completed quickly and without delay. Therefore, it is vital to provide accurate and valid phone numbers. Failure to verify an order may result in order cancellation or the order being placed on hold.

You consent to our processing your personal information for the purposes of providing the Services, including for verification purposes as set out herein. You also consent to the use of such data for communicating with you, for statutory and accounting purposes. You acknowledge that you have read and consented to essayseducation.com's Privacy Policy.

 

LIMITATIONS OF LIABILITY

 

essayseducation.com will not be liable to you in relation to the contents of, the use of, or otherwise in connection with, this Website:

  • for failure to learn the material covered by the Paper; and

  • for your final grade; and

  • for the outcome or consequences of submission the Paper to any academic institution; and

  • excludes all liability for damages arising out of or in connection with your use of this Website. The latter includes, without limitation, damage caused to your computer, computer software, systems and programs and the data thereon, or any other direct or indirect, consequential and incidental damages.

 

COPYRIGHT

 

The Paper provided to you by essayseducation.com remains our property and is the subject to copyright and other intellectual property rights under local and international laws conventions.

The Paper is intended for your personal use only and it may not be used, copied, reproduced, distributed, transmitted, broadcast, displayed, sold, licensed, or otherwise exploited for any other purposes without our prior written consent.

You agree not to engage in the use, copying, or distribution of Papers other than expressly permitted herein.

 

TESTIMONIALS

 

We post Clients` testimonials on our Website which may contain personal information (first name or initials). Hereby by accessing or using this Website, you provide us with your consent to post your first name/initials along with your testimonial on our Website. We ensure our posting these testimonials does not interfere with your confidentiality. If you wish to request the removal of your testimonial, you may contact us at [email protected]

 

NOTIFICATION OF CHANGES

 

essayseducation.com reserves the right to change these Terms and Conditions at any time and your continued use of the Website will signify your acceptance of any adjustment, improvements and/or alterations to these Terms and Conditions. You are, therefore, advised to re-read these Terms and Conditions on a regular basis.

 

This web site is owned and operated by Viatta Business Ltd.

 

 

PROMOTION

 

By participating in this Promotion, you represent and warrant that you have read essayseducation.com Terms and Conditions
  1. The Prize
A total of six (6) prizes are available to be won with one (1) prize awarded to one participating customer: The prizes include:
  • HEXO+ Self-Flying Camera Drone, with a suggested retail price of $1,249.00 USD («Main prize»).
  • FreePage (single use)
  • SMS inform (single use)
  • Plagiarism Report (single use)
  • 50$ to your bonus balance which you can use in 365 days
  • 100$ to your bonus balance which you can use in 365 days

2. Promotional Period
The promotion begins on 7.18.2017, at 9:00 am and ends on 7.28.2017 at 10:00 pm.

3. Notification
The winning ID number («the winner») will be announced by email on 7.31.2017. In addition, the winner will be contacted by us via email and/or by phone within two business days. No other correspondence will be entered related to this promotion, and no notification of the results will be sent to persons other than to the winner.
 
4. How to Enter/Eligibility
To be eligible, the customer should make an order with additional services TOP WRITER («participating customer»)
 
One (1) name will be selected randomly among participating customers. Only one prize will be awarded.
 
This promotion is not open to (i) employees, consultants, contractors or service providers of essayseducation.com or any of its subsidiaries, (ii) any person directly or indirectly involved with the organization of the promotion (including but not limited to any employee, consultant or contractor of any promotion, advertising or other marketing agency working for essayseducation.com.)
 
essayseducation.com assumes no responsibility for any error, omission, interruption, deletion, defect, delay in operation or transmission, communications-line failure, theft, or destruction or unauthorized access to, or alteration of orders. essayseducation.com is not responsible for lost, late, incomplete or misdirected orders or any problems or technical malfunction of any telephone network or lines, computer online systems, servers or providers, computer equipment, or software, or for failure of any e-mail or entry to be received by essayseducation.com on account of technical problems or traffic congestion on the Internet or at any web site, or any combination thereof, including any injury or damage to participant's or any other person's computer related to or resulting from participation or downloading any materials in this promotion.
5     Disputes: Any complaint regarding the operation of the Promotion or any other related matter, can be emailed to the following email address: [email protected]essayseducation.com
6     Entrant's Personal Information: Information collected from participating customers is subject to the Privacy Policy

 

PRIVACY POLICY

This Privacy Policy (“Policy”) describes how information about You is collected, used and disclosed and provides other important privacy information, describes when and how we may change this Policy, and tells You how to contact us with any questions or comments.

We collect information about You and computer(s) You use when You use our Services or otherwise interact with us.

PERSONAL INFORMATION

“Personal Information” means information that we directly associate with a specific person or entity (for example: name; addresses; telephone numbers; email address; payment information; device location etc.).

“Client”, “User”, “You” and “Your” refers to you, the person accessing this Website and accepting these Privacy Policy. Any use of the above terminology or other words in the singular, plural, capitalization and/or he/she or they, are taken as interchangeable and therefore as referring to same.

HOW INFORMATION ABOUT YOU IS COLLECTED

We collect information about You in three primary ways:

Information You Provide

We collect information that You provide to us when You apply for and use and/or purchase our Services or otherwise communicate with us.

For example, some of the ways You may provide information to us include:

  • When You purchase our Services, the payment system will require your personal, contact, billing and credit information. 

  • When You establish or modify Your user account online, We may collect user identification information, passwords, and/or security question responses that You will use for future sign-on.

  • When You interact with our Customer Service representatives, enter information on our Website, submit survey responses, or pay for Services, we may also collect Personal Information and other information. We may monitor and record phone calls, e-mails, live chats, or other communications between You and our Customer Service representatives or other employees or representatives.

Information We Collect Automatically

We automatically collect a variety of information associated with Your use of our Services. Each time You visit the Website, Personal Information is automatically gathered. In general, this information does not identify You personally. Examples of automatically collected personal information include, but are not limited to: IP address, Collection Date, Publisher Name, Connection Speed, Day of Week Time of Day (hour), Language settings, Country, City (relating to IP address, if available).

For example, some of the ways we may automatically collect information include:

  • Cookies and similar technologies

“Cookies”

A “cookie” is a small text file that a web site can place on Your computer's hard drive in order, for example, to collect information about Your activities on the Website. The cookie transmits this information back to the Website's computer, which, generally speaking, is the only computer that can read it. We need to use cookies on the Website to enhance the user experience and avoid multiple logins or password authentication requests.

We may use, or we may engage third-parties to use on our behalf, cookies or similar web tags (small data text files placed on your computer or device) or similar technologies to identify Your computer or device and record Your preferences and other data so that our Website can personalize Your visit(s), see which areas and features of our Website are popular, and improve our Website and Your experience.

Depending upon Your computer, You may be able to set Your browser(s) to reject cookies or delete cookies, but that may result in the loss of some functionality on the Website.

“Web Beacons”

We may also use web beacons (small graphic images on a web page or an HTML e-mail) to monitor interaction with our websites or e-mails. Web beacons are generally invisible because they are very small (only 1-by-1 pixel) and the same color as the background of the web page or e-mail message.

  • Web Browsing Activity

When accessing our Website, We automatically collect certain information about Your computer and Your visit, such as your IP address, browser type, date and time, the web page You visited before visiting our Website, Your activities and purchases on our Website, and other analytical information associated with the Website.

Information From Other Sources

We may also obtain information about You from other sources. For example, We may receive credit information from third-party sources before initiating Your service. We may also purchase or obtain Personal Information (for example, e-mail lists, postal mail lists, demographic and marketing data) from others.

HOW WE USE INFORMATION WE COLLECT ABOUT YOU

We use the information We collect for a variety of business purposes, such as:

  • To provide and bill for Services You purchase;

  • To deliver and confirm Services You obtain from us;

  • To verify Your identity and maintain a record of Your transactions and interactions with us;

  • To provide customer services to You;

  • To create, modify, improve, enhance, remove or fix our Services and their performance;

  • To identify and suggest products or services that might interest You;

  • To make internal business decisions about current and future Service offerings;

  • To provide You customized user experiences, including personalized Services offerings;

  • To protect our rights, interests, safety and property and that of our customers, service providers and other third parties; and

  • To comply with law or as required for legal purposes.

Fraud Prevention

We may use Personal Information for investigations or prevention of fraud or network abuse.

Marketing

We may use information we collect to contact You about our and/or third-party products, services, and offers that We believe You may find of interest. We may contact You by telephone, postal mail, e-mail, or other methods.

Advertising

You may see advertisements when You visit our Website. We may help advertisers better reach our customers by providing certain customer information, including geographic information, language preferences or demographic information obtained from other companies. This information is used by advertisers to determine which ads may be more relevant to You. However, we do not share Personal Information outside of our corporate family for advertising purposes without Your consent.

WHEN WE SHARE INFORMATION COLLECTED ABOUT YOU

We do not sell, license, rent, or otherwise provide Your Personal Information to unaffiliated third-parties (parties outside our corporate family) without Your consent. We may, however, disclose Your information to unaffiliated third-parties as follows:

With Your Consent

We may disclose Personal Information about You to third-parties with Your consent. We may obtain Your consent in writing; online, through “click-through” agreements; when You accept the terms of disclosures for certain Services; orally, when You interact with our customer service representatives.

To Third-Parties

We encourage You not to share Your password. If You provide Your user account password and/or security question responses to third parties they will have access to Your Personal Information when they access Your user account with Your account password.

To Our Service Providers

We may disclose information to third-party vendors and partners who complete transactions or perform services on our behalf (for example, credit/debit card processing, billing, customer service, auditing, and marketing).

In a Business Transfer

We may sell, disclose, or transfer information about You as part of a corporate business transaction, such as a merger or acquisition, joint venture, corporate reorganization, financing, or sale of company assets, or in the unlikely event of insolvency, bankruptcy, or receivership, in which such information could be transferred to third-parties as a business asset in the transaction.

For Legal Process & Protection

We may disclose Personal Information, and other information about You, or Your communications, where we have a good faith belief that access, use, preservation or disclosure of such information is reasonably necessary:

  • to satisfy any applicable law, regulation, legal process or enforceable governmental request;

  • to enforce or apply agreements, or initiate, render, bill, and collect for services and products (including to collection agencies in order to obtain payment for our products and services);

  • to protect our rights or interests, or property or safety or that of others;

  • in connection with claims, disputes, or litigation – in court or elsewhere;

  • to facilitate or verify the appropriate calculation of taxes, fees, or other obligations; or

  • in an emergency situation.

De-Identified Information

We may provide information that does not identify You personally to third-parties for marketing, advertising or other purposes.

HOW WE STORE AND PROTECT THE INFORMATION COLLECTED ABOUT YOU

Protecting Your Information

We use a variety of physical, electronic, and procedural safeguards to protect Personal Information from unauthorized access, use, or disclosure while it is under our control.

Unfortunately, no data transmission over the internet can be guaranteed to be completely secure. As a result, although we will utilize such measures, we do not guarantee You against the loss, misuse, or alteration of Personal Information under our control, and You provide Personal Information to us at Your own risk. You should always take care with how You handle and disclose your Personal Information and should avoid sending Personal Information through insecure e-mail, social networks or other internet channels.

Retention and Disposal

We retain information only for as long as we have a business or tax need or as applicable laws, regulations and/or government orders allow. When we dispose of Personal Information, we use reasonable procedures designed to erase or render it unreadable (for example, shredding documents and wiping electronic media).

PRIVACY POLICY UPDATES

How We Communicate Changes to This Policy

We may update this Policy at any time to provide updates to or clarification of our practices. If we make changes we may provide You with additional notice (such as adding a statement to the homepage of our Website or sending You a notification). You should refer to this Policy often for the latest information and the effective date of any changes.

 


 

A Partner is an individual who refers customers. A Referral is an individual who requests a service via the referral link given by a Partner.

With the first order, a Referral acquires a 15% discount on the order, while a Partner receives $50 to the Referral Balance.

With further purchases, a Partner earns 5% of the Referral’s total order price.

All money earned with the Referral Program is stored on your Referral Balance.

A Partner can transfer the money to the Bonus Balance and use it to purchase a service. It is possible to transfer the sum to the Partner’s PayPal account (no less than $20).

Referral`s payment method should differ from that of the Partner`s. If it`s identical, such order will be canceled.

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