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Properly prepared certificates of insurance are documents used in business and are not required or regulated by statute or regulation. However, the certificate of insurance must contain the same information, whether delivered to the insured or on behalf of the insured to the certificate holder. Licensed producers may not add terms or clauses to a certificate of insurance which alter, expand or otherwise modify the terms of the actual policy unless authorized by the insurer which has filed an appropriate endorsement with the Superintendent of Insurance, and obtained prior approval, if required.

Any certificate of insurance that "amends, expands or otherwise alters the terms of the applicable insurance policy constitutes a policy form, which must be filed with the Superintendent of Insurance in accordance with Section 2307(b) of the Insurance Law." (Circular Letters No. It is not intended to confer to a certificate holder new or additional rights beyond what the insurance policy provides. For further information you may contact Associate Attorney Jeffrey A.

It carries our important business files, documents and photos. Shop from the world’s largest selection and best deals for Men’s Backpacks, Bags and Briefcases. Back-dating of a life insurance policy is a perfectly legal and standard practice in the insurance industry. FOR those of you on the verge of getting a policy from an insurance company, backdating could offer advantages.

What it means: Backdating refers to the practice of pre-dating the time at which the policy-holder bought the policy. It might be a year or two before you see any savings, so if you’re not planning on keeping the policy for longer than that it may not be worth the trouble.

Many of us dream of time traveling, either to change our past or foresee our future especially when viewing life from a financial perspective.

Are there any statutes or regulations that govern the issuance of certificates of insurance for commercial general liability policies?Backdating your life insurance isn’t as useful for younger applicants because the …Forsyth Insurance Agency is an established Lincoln insurance agency with roots dating back to the 1930s. Health insurance is insurance that covers the whole or a part of the risk of a person incurring medical expenses, spreading the risk over a large number of persons.The History of Health Insurance In The United States Should the United States government give everyone free health care? It’s unusual for an insurance company to provide an earlier effective date than what you originally qualified for at the time you enrolled in a plan.Let’s look at some advantages of backdating insurance policy.