Which country owns the Galapagos Islands?

What is the distance between the Maldives and Singapore?

Who is oldest Harley dealer in the world?

What kind of crops are grown in Gabon?

What countries border French Guiana?

What are physical features of Seychelles?

Yes, 167 of them. For more information, write to: Apartado 223 San Miguel El Salvador Or call: 503 (2) 682-0146, 682-0147

What are the natural resources of Antarctica?

There is a probationary period from the date that the policy is sold and accepted. If the applicant lied on the insurance form and dies during that period, the insurance company investigates (they always do, to my knowledge, when there is a death), and finds the lie, the company is obligated to pay ONLY the premiums paid to the date of death. If the insured dies as a smoker AFTER the probationary period, my experience in reading TONS of policies is that the company has to pay the full benefit.Smoking vs. Non-smokingI am not an expert on all companies life policies, so you might ask your agent or company about your policy specifically. However, what typically happens is that if you have had a policy with the rate of a non-smoker for more than two years and need to file a claim, and the insurance company discovers that you are and have been a smoker, the company may take part of the death benefit to pay the difference in back premium between a smoker and non-smoker. So, in essence, the death benefit will be smaller to pay the back smoker premiums. The reason two years makes a difference is because the incontestability clause may play a part in how the death benefit is paid or not-paid. In this case, it may not play a role. I would ask either a company representative anonymously or maybe even your agent.More input from FAQ Farmers:There is legal precedent here. New York Life denied a claim in Pennsylvania when they showed that the decedent insured lied about his smoking habit on the application. The estate of the decedent asked that the benefit be reduced to that which would have been purchased by the premium under a smokers rate. The insurance company refused, pointing out that they must rely on the truthfulness of statements made on the application, and permitting decedents to benefit unfairly, with no risk to themselves, causes the price of insurance coverage to increase for everyone else. I should not have to pay a higher premium because of others dishonesty. The judge found in favor of the insurance company, and the company refunded the premiums paid to the estate of the decedent.The issue is one of misrepresentation on the application. An insurance has the right to rely upon the material representations made by a prospective insured on the application, and does not have an obligation to independently investigate their veracity. The representations, including health history, habits, and activities have a bearing upon the risk that that the insurer is assuming when it issues the policy and the premium that it charges. Naturally, the same factors would not apply to all types of policies (for example, smoking would not be an issue for an auto policy).

Are there pyramids in Algeria?

There are around 20 holidays observed in Chile.

Here is the list of holidays in 2021

• Friday Jan 01, 2021 New Years Day is a National Holiday
• Friday Apr 02, 2021 Good Friday is a National Holiday
• Saturday Apr 03, 2021 Holy Saturday is a National Holiday
• Saturday May 01, 2021 Labour Day is a National Holiday (International Workers Day)
• Sunday May 09, 2021 Mothers Day is a Not A Public Holiday (2nd Sunday in May. Not a public holiday)
• Friday May 21, 2021 Navy Day is a National Holiday
• Sunday Jun 20, 2021 Fathers Day is a Not A Public Holiday (3rd Sunday in June. Not a public holiday)
• Monday Jun 28, 2021 Saint Peter and Saint Paul Day is a National Holiday (Feast of Saints Peter and Paul)
• Friday Jul 16, 2021 Our Lady of Mount Carmel is a National Holiday
• Sunday Aug 15, 2021 Assumption Day is a National Holiday
• Friday Sep 17, 2021 Independence Day Holiday is a National Holiday
• Saturday Sep 18, 2021 Independence Day is a National Holiday
• Sunday Sep 19, 2021 Day of the Glories of the Chilean Army is a National Holiday
• Monday Oct 11, 2021 Race Day is a National Holiday
• Sunday Oct 31, 2021 Reformation Day is a National Holiday
• Monday Nov 01, 2021 All Saints Day is a National Holiday
• Sunday Nov 21, 2021 Chilean presidential elections is a National Holiday (Held every 4 years)
• Wednesday Dec 08, 2021 Immaculate Conception Day is a National Holiday
• Saturday Dec 25, 2021 Christmas Day is a National Holiday

How many highways are there in Trinidad?

How long is a flight from London to Toronto?

There are around 19 holidays observed in Ecuador.

Here is the list of holidays in 2021

• Friday Jan 01, 2021 New Years Day is a National Holiday
• Monday Feb 15, 2021 Carnival Monday is a National Holiday (Monday before Ash Wednesday)
• Tuesday Feb 16, 2021 Carnival Tuesday is a National Holiday (Compensated by Sat 20 February)
• Friday Apr 02, 2021 Good Friday is a National Holiday
• Sunday Apr 04, 2021 Easter Day is a National Holiday
• Friday Apr 30, 2021 Labour Day (in lieu) is a National Holiday (International Workers Day)
• Saturday May 01, 2021 Labour Day is a National Holiday (International Workers Day)
• Monday May 24, 2021 Anniversary of the Battle of Pichincha is a National Holiday
• Saturday Jul 24, 2021 Simon Bolivar Day is a Not A Public Holiday (The birthday of Simón Bolívar)
• Monday Aug 09, 2021 Independence Day is a National Holiday
• Friday Oct 08, 2021 Independence of Guayaquil (in lieu) is a National Holiday
• Saturday Oct 09, 2021 Independence of Guayaquil is a National Holiday
• Monday Nov 01, 2021 All Souls Day is a National Holiday
• Tuesday Nov 02, 2021 Independence of Cuenca Holiday is a National Holiday
• Monday Dec 06, 2021 Foundation of Quito Day is a Regional Holiday (Quito)
• Friday Dec 24, 2021 Christmas Day (in lieu) is a National Holiday
• Saturday Dec 25, 2021 Christmas Day is a National Holiday
• Friday Dec 31, 2021 New Years Day is a National Holiday

How much is one million dollar in Indonesia rupiah?

Why? I dont know... you should tell me:)

How long does it take for a letter to get from Guatemala to the US?

Globalization helps developing countries by creating jobs, and sending money into the economy of that developing country.

Is the Western Sahara in the Western Hemisphere?

What is orang dampuan?