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    • Insurance Policy Backdating, by definition, is the practice of putting a calendar date on any document that is earlier than the date on which that.
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    Backdating term insurance Free dating apps nyc. Backdating in insurance language means altering the start date of the life insurance policy to a time earlier than the originally date of buying the insurance policy. Suppose you bought a policy on January 1, but you realize later that had you purchased the policy two months earlier, you could have got it at better premium rates. Backdating allows you this. This will help reduce the premium liability for the insured during the policy tenure. You can pay lower premium by altering the policy start date and selecting the date that gives you better premium rates. Backdating comes handy when one has to buy a policy on a special day as one can anytime alter the official date to some important date during the year. When your flow of income is not uniform throughout the year, if you buy the policy in this off season then you can get the policy backdated to the period of your maximum earnings. Backdating helps you get return of investment earlier if you backdate the start date of the policy. As backdating directly affects the premium rate; it should be opted by people who are planning to purchase a policy at an older age.

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