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5 Best Cancer Insurance Policies In 2021

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This is due to the widespread marketing campaigns targeting prospective clients interested in acquiring funeral life insuranceto pay for burial costs. Standard & Poor’s is a business credit rating company that rates businesses on their financial stability and ability to pay back loans. This company has given Globe Life financial strength rating of AA- This means that Globe Life has some minor credit issues but is considered extremely likely to pay back its debts. If you are hoping to customize the standalone coverage with policy add-ons, like a waiver of premium rider or accelerated death benefit, this insurer is not the right option for you. The company only pays the accidental death coverage claim if the policyholder dies in an accident. Your beneficiaries will get the money if you die in a choking incident or a car crash, but they won’t receive anything if you die due to a disease or other natural causes.

One company that tends to offer the lowest premiums for diabetics is American General. We mentioned them above for their lenient weight classes, but they are also a great choice for anyone with diabetes. After all, insurance underwriters consider your health, your family’s health history, your occupation, your driving record, and many other factors in order to decide whether they want you as a customer. This is an attractive product if you have medical problems that would make a medically underwritten policy too expensive. It opens the door to people who are concerned about their privacy or the likelihood that they will be turned down for coverage. Of course, choosing the latter will generally increase your rates, and that’s why many people choose to have the exam.

Similarly, insurance companies may attempt to settle cases quickly, hoping that they can get claimants to sign away their rights before they recognize all of their losses. These major insurance companies by no means lack the funds necessary to properly compensate their customers or the people injured by their policyholders. State Farm tops the list with $5.6 billion in profits in 2019. The tactics of UnitedHealth not only make the company lots of money but also potentially put patients in danger.

She was confused and angry because that is not the policy she bought as explained by the ‘nice’ gentleman. Granted she probably didn’t read the legalese in the small printed policy, but the ‘nice’ man had explained it all to her. Not only that, but she didn’t even get a letter with the last bill explaining that this was the last payment according to her policy. This company is scamming the elderly and not in the least bit apologetic. When talking to the person on phone, she could not explain how this could have happened.

The mortgage protection rider has guaranteed acceptance for people between the ages of with no medical exam or health questions. Globe life insurance company was founded in 1951 and is based in McKinney, Texas. Today, the company has $82 billion in life insurance policies in force, and together with its network of Globe companies, serves more than 16 million people nationwide. The company sells a few different life insurance policies, which are all available without a medical exam.

Many people pay extra money each month, on top of their regular health insurance payment, so they can get special insurance that covers them in case they get cancer. Estimated rates and savings are non-binding, subject to change, and based on a hypothetical customer profile that may be different than yours. Your specific rate and savings will vary based on individual circumstances, including age, gender, height, weight, health, location, issuing insurer, coverage amount, time of purchase, and other factors.

There’s a bittersweet feeling accompanied by outliving your term life insurance policy. On one hand, you’re certainly happy to be alive, but on the other, you may not be sure about what happens when your term life insurance policy ends. Our life insurance industry partnerships don’t influence our content. To compare quotes from many different life insurance companies please enter your ZIP code above to use the free quote tool. When a senior, nearing the age of 70 or older, starts to explore their options for life insurance, they can seem limited and may come with very high price tags. There are independent agencies out there that represent insurance companies that are willing to help you find the right coverage for you at a more affordable price, regardless of your age.

A positive friendly work environment along with supportive management is always encouraged at Globe Life. Purchasing life insurance for the first time can be overwhelming. Now that you’ve seen the price differential, maybe you’re just impressed by the conceptual differences between whole life, permanent protection in term insurance. You maybe didn’t know Globe Life was a term insurance or maybe you did, but you want to get a better deal for what you are willing to pay. It’s not something that’s entirely out of bounds to consider.

Calculate how much life insurance you need and how long you want the coverage to last. Check that the insurers you’re considering offer the coverage you’re looking for. For Globe Life policyholders, the claims process differs depending on the policy underwriter. Life insurance policies that aren’t yet two years old are considered “contestable,” with claims subject to review. Policies more than two years old are “incontestable” and will be paid upon receipt and examination of required documents. Let’s say you get term life insurance when you’re 30 years old.

Aflac’s website is fairly easy to navigate and quite informative. Prospective customers can easily locate information about the carrier’s products offered, get matched with an agent, or request a quote. Loyal customers can file claims, check on an existing claim’s status, and view their policy online.

A good way to understand and compare policies is by reading the exclusions, limitations, policy description, terms and conditions. Globe Life determines its insurance prices based on your age. After paying the $1 introductory price for the first month, the premium increases in line with your age at the point you purchased the insurance and then remains the same for the life of the policy. Be aware that Globe Life’s term life insurance is only available in five-year terms, and while premiums start from as low as $3.49 per month, they are likely to increase each time you renew.

Who Is Globe Life?

If you pass away, your beneficiaries will receive the policy’s entire death benefit. Endowment life insurance isn’t considered by colleges in financial aid calculations. I went to Globe Life’s website and couldn’t find a specific answer. However, they mentioned that every claim is unique and the handling time would vary from one situation to another. They assured clients that as soon as a person starts the claims process, they work hard to take care of your needs efficiently. Compare policies up to $10 million from 45+ top insurance companies with the click of a button.

The application can be submitted online, independent of an agent, in a few minutes’ time. When it comes to researching policies, the details are a bit more scarce. To find coverage amounts, age limits, and other policy basics, you’ll have to do some digging. A.M. BestAFitchA+Moody’s Baa1Standard & Poor’sAA-Globe Life’s rating from Moody’s suggests the company is a moderate credit risk to investors, while its scores from the other agencies are more positive. You should choose a company you can count on to pay out your policy’s benefits if the time comes.

This is just the process where we begin to buy adult life insurance. A life insurance policy can help defray the costs that come after death and help loved ones carry on without the stress of replacing the deceased’s income. Life insurance comes in many forms and costs, so be sure to read reviews of several insurers before making such a big decision. In spite of the fact that Globe Life is a legitimate life insurance company with an A+ rating with the BBB, it has received a large number of consumer complaints. Globe Life, formerly known as Torchmark Corporation, is a life insurance company that sells policies directly to consumers over the phone, through the mail, and online.

The $1 for up to $100,000 life insurance policy advertising gimmick draws consumers because it seems to simplify life insurance. If you are middle-aged or older and if you are suffering from health problems, you might find it difficult to buy sufficient coverage for yourself and your family at affordable rates. You are likely to get turned down by companies that do not deal with people from high-risk categories. Globe Life’s whole life policies have a small cash value component, which grows at a steady rate throughout the policy’s term. You can borrow against the cash value component to meet your emergency expenses, if and when needed.

Customers who are curious about a specific policy should look for reviews or experiences of that specific policy, as that will offer more beneficial information than general reviews will. Life insurance rates for smokers is much higher than nonsmokers. So, life insurers will give a close look if you were to die from a smoking-related disease though you claimed you were a nonsmoker. An insurer probably won’t look into a claim when the insured dies in a car accident. But an company will likely investigate a claim if the insured dies of a health-related cause –- such as a “non-smoker” who dies from lung cancer.

Later in his career with New York Life, he was an Executive Council Member. Doug currently serves as President of Ogletree Financial, a life insurance marketing organization with over 1000 life insurance agents. Medicare Supplement Plan G is very similar to Plan F, however a bit more affordable due to the difference in monthly premiums.

Each state has their own PDMP, with the lone exception of Missouri, at the moment, which is currently in the process of approving one. Your life insurance claim with Genworth will be honored regardless of what happens, so you can breathe a sigh of relief. Consequently, part of the restructuring process resulted in the suspension of the sales of both life insurance and annuities. Since Genworth has taken a new direction with its products and services, many consumer complaints will have no bearing on Genworth’s future operations. Currently, they offer long-term care insurance, mortgage insurance, and immediate annuities only.

Despite regularly making JD Power’s list of the worst car insurance companies, Progressive still managed to report a net income of over $5 billion in 2019, an almost 44 percent increase from 2019. While raking in the profits, it seems that Progressive left many policyholders out in the cold. State Farm is the highest-earning insurance company in the United States, and it did not get this distinction by willingly paying the full amount on every claim. The company has earned the trust of many policyholders supplemental life insurance meaning with its famous slogan, “Like a good neighbor, State Farm is there,” though too many people later come to feel this slogan is not true. Allstate has also faced criticism for using highly confusing policy language that leads policyholders to believe they have certain coverage when, in reality, they receive a denial of their claims. Critics suggest that the company wants to collect premiums from policyholders who assume they have comprehensive coverage, only to have no recourse when disaster strikes.

Can I Obtain Health Insurance If Im 70+ Years Old? Even With Health Concerns

Colonial Penn also offers renewable term life and permanent whole life insurance policies. However, it has lower coverage limits than Globe Life ( maximum coverage is $50,000), and its complaint index scores are no better than Globe Life’s. In 2020, Colonial Penn’s complaint index for individual life insurance was 8.85—nearly nine times the national average—which is even worse than Globe Life’s 6.56. If you’re looking for a guaranteed issue policy, another option to consider is Colonial Penn. The company offers guaranteed acceptance policies for people between the ages of 50 and 85. There is no medical exam, and you don’t have to answer any questions about your health.

Thousands of People Were Given Heart Pumps Despite FDA Warnings of Defects – Truthout

Thousands of People Were Given Heart Pumps Despite FDA Warnings of Defects.

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After all, aside from being quoted higher rates, you may just be declined coverage in general. In this case, you can always go with guaranteed whole life insurance.This way you will receive coverage, despite any medical issues. Furthermore, when consumers reach the age of 75 and over, a permanent life insurance policy is crucial as they do not want to shop again in the coming years. Overall, maybe you don’t like needles, or perhaps you are in poor health or over 75.

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There are no medical exams involved and the death benefit remains the same throughout the term of the policy. Globe Life offers term life, whole life, as well as accidental insurance policies. Applicants age 18 to 79 and in reasonably good health are eligible for Globe Life’s whole life policy. Coverage levels start at $5,000 and run up to $50,000, making Globe Life’s offering comparable to burial insurance policies from other carriers.

Sometimes referred to as burial insurance, this policy is designed to cover end-of-life expenses and typically offers less coverage than term or whole life. Globe Life insurance rates are at the higher end of the spectrum when compared with other term insurance products from national well-known insurance companies. For policyholders who wish to increase their coverage in the case of an accident, Globe Life also offers Accidental Death coverage.

The death benefit, also called the face value, refers to the lump sum of money the insurer agrees to pay out to named beneficiaries once the policyholder passes away. Mutual of Omaha stands out from the competition thanks to its competitive rates for people with preexisting medical conditions, underwriting according to some specifics. For cancer survivors, this includes the tumor grade, cancer stage, and time in remission.

Purchase term, whole and accidental death coverage online without the exam, with rates starting at a low $10 a month. However, you’ll get more coverage and rider options with policies that require exams. While you can forgo the medical exam, Globe Life insurance doesn’t offer many riders and has low-rated customer reviews. We understand that the purchase of life insurance can seem a bit overwhelming. There is a lot to think about during the buying process – and you want to make sure that you will be getting the right type and amount of coverage.

My mother wasn’t concerned so much about cancer because there is really no family history but she was worried about injuries and heart attacks/strokes. She purchased the policy and has been paying faithfully every month, never needing it until now. This summer she suffered a heart attack and was hospitalized and needed bipass surgery.

This is typically a maximum of $100,000 but can vary depending on the company. With life insurance, it is based on a percentage of the overall death benefit. With said, it is very possible to receive well over $100,000 for a claim. It is very important to understand that life insurance policies that offer a free critical illness rider generally do not have defined benefits. This means that there is not a guaranteed set amount of money that you will receive if you experience a critical illness condition.

The premium, while it never changes, is going to be substantial. An affordable whole life policy might not be enough to meet your needs. However, you might be better off with a term life insurance policy. This option may be less costly, since whole life insurance is comparatively expensive. And, if you’re not able to purchase as large a policy as you actually need, you can spend a lot of money on an insufficient solution.

We are an independent agency that specializes in this area of the life insurance market. Beneficiaries usually receive the death benefit check within 10 – 15 business days. If it takes more than 30 days, they ask you to contact their customer service department. The following statement was taken off its flagship website. The position Globe Life Insurance Company has depends on a case-by-case basis for customer claims. Small whole life plans from other providers are often referred to as funeral insurance, burial insurance, or final expense insurance.

The nominee will have to present the insured’s death certificate to the insurance company. The new insurance company will verify the information with the existing insurer. After the verification is successfully completed, the beneficiary receives the claim. Meanwhile, mixed customer reviews and a high complaint rate means you and your beneficiaries may not receive good.

Nothing But Term Life Insurance:

Founded in 2017, Ethos has developed an online platform that allows you to apply for life insurance and possibly get instant approval. Term, whole & universal life insurance are three types of life insurance products offered through AAA Life. Because of our 50+ years of experience in providing life, supplemental health and Medicare Supplement insurance, United American offers superior customer service to both our agents and customers. Never stress about your claim status with our online claim tracker.

Should your death result from an accident, this additional level of cover will provide a higher level of payout for your beneficiaries. This allows you to add natural and adopted children to your policy, up to the age of 18 years. This covers them up to $20,000 of coverage until they are 25, at which point they can convert this coverage to their own policy. Once the policy reaches a benefit of $10,000 your premium will turn into an increasing annual rate.

Offering term, whole, accidental death, mortgage protection, and children’s life insurance products, Globe Life is unique because none of its life insurance policies require medical exams. Instead, its underwriting process is entirely based on your application and health questions. For those who want life insurance without the hassle of scheduling and undergoing a medical exam, Globe Life may be an option for you. Compared to competitors, however, this insurer offers low death benefit caps.

First, when a critical illness claim is submitted and approved, any funds received are deducted from the total death benefit of the life insurance policy. The policyholder has the right to deny the claim and take no money at all or in most cases can request a lesser amount if need be. Insurance rates and policies described may not be available to you due to restrictive state laws, a lack of underwriting approval by the insurance company, or other factors. Policy terms and descriptions shown on this site are summaries only and are subject to the complete policy terms and conditions. If you do purchase insurance, please read your insurance policy and address any questions to the insurance company or to us as your representative. We will attempt to answer your questions or will refer you to the proper person at the insurance company.

The basics of life insurance are that it offers an affordable way to protect your family from financial pain if you died and were no longer there to provide. No exam coverage is exactly what it sounds like life insurance without the medical exam. These plans are much smaller than the average life insurance policy. Different insurers have different coverage limits, but most cap out around $25,000 in coverage.

Applicants answer questions about health and lifestyle, providing basic personal information, to receive a quote. From there, you can make a payment and sign off on the policy. One of the first places you can look to assess a life insurance company’s relationship with clients is to consumer reviews. While you may pay an introductory $1 premium, the cost of coverage significantly increases after the first month. Certain links on this page will refer you to products we might recommend. This creates no additional cost to you, and helps provide us an income so we can continue to bring valuable information to your fingertips.

Friends and founders John Singletary and Ralph Reece set out to offer affordable life insurance to rural Oklahoma residents. Globe LIfe’s children’s policies come with the same benefits as the whole life policy for adults, including level premiums, locked-in benefits, and an accessible cash value account. The policy comes with minimal health questions and an initial premium of $1. The company’s online resources, application, and interactions with clients should simplify the life insurance process.

An insurer’s ability to pay claims should be a factor when considering an insurance company. American Income Life has consistently earned high financial strength ratings. We help consumers determine what types of insurance coverage will best help meet their needs. With life insurance, supplemental health, and accident insurance available, let AIL help you be more prepared to face the future. A cancer endorsement works in conjunction with your health insurance policy to cover both medical and nonmedical expenses. Your cancer insurance can help pay for things like childcare, deductibles, copayments and more.

Also, your family will still need to replace your income if you pass away. Being young and running a business is definitely going to be challenging, but you must build a solid financial foundation and life insurance is key. Just check out the screenshot below that I just took from GoFundMe, these people are both young adults and if they had life insurance, this wouldn’t be required.

Your body mass index is another key factor in your insurance application. If you’re overweight, you could be placed in a higher risk category and, as a result, pay higher premiums. They offer more affordable smoker’s rates than other companies. Yes, you’re still going to pay more, but you should still get the lowest rates possible for someone who smokes.

Ultimately, it’s a personal decision that only you can make, but there are definitely points to consider when deciding whether a term life policy is right for you. It’s possible they could be on the hook for any amount left unpaid in the event of your death. You might consider taking out a large enough life insurance policy to pay those loans off so that mom and dad aren’t stuck with your debt at the same time they’re grieving your loss. Now that we’ve defined the most common types of life insurance, let’s take a look at the best life insurance options for several life stages.

In fact, getting life insurance at this age is risky because mortality for men and women is within a decade. Even if a prospective beneficiary doesn’t rely on you for financial support now, that person could use the money to cover the cost of your funeral, which is effectively an expense for you. Some financial experts argue there’s no point to buying life insurance when you’re young and have no one to support.

Globe Life and Accident Insurance Company sells life insurance to the public. The product appears attractive at first glance, but scrutiny uncovers some issues. He had the insurance policy and I was quote life insurance his beneficiary because we had a close relationship for about 11 years before he was murdered. I need to know how much longer will I have to wait to find out if they’re going to pay out the policy.

If you are young, healthy, and belong to the low-risk category, you have several other options to choose from. The death benefit for Globe Life’s term life and whole life insurance is capped at $100,000 and $50,000 respectively. In most cases, it is not sufficient to take care of your family’s financial needs after your passing. Globe Life also offers a whole life policy for young children.

Check out these sample whole life quotes for $50,000 up to age 50. In our 20+ years of experience as agents, we find most people need a lot more than $100,000 of coverage.But TruStage can’t help you there! Tabitha Cole was very professional and has continuously taken care of my family’s insurance needs.

Globe’s practice of direct sales permits the company to sell the product quickly. A consumer who qualifies is thus able to get coverage without a long waiting seniors life insurance period. Unfortunately, these direct sales do not guarantee quality customer service. I have been with Globe Life Insurance since 2010 with a term policy.

There is significantly less flexibility if your needs change. You also get a choice of several term options from 10, 15, 20, 25, and 30 years. In addition, the American General life insurance company AIG also has a great GUL that offers living benefits and cashback features. AIG life insurance for seniors is a great alternative for income protection for the spouse above the final expenses. The client can apply for new coverage with a new exam and new underwriting requirements and if found healthy will be able to save money and lock in a price for another fixed period.

Similarly, Gerber’s term life insurance is limited in coverage and has high premiums compared with other no medical exam policies. Globe Life offers a simplified issue life insurance product. There is no medical exam, just a simple application with a few health questions. They offer a fast approval process and there is no waiting period.

While the College Plan provides life insurance coverage, it doesn’t have all the benefits of other life insurance policies. The biggest distinction is that your cash value investment gains are not tax free, which reduces the policy’s overall benefits. Considering the policy’s returns are fairly low, simply buying term coverage and investing in an alternative college savings account would probably be more lucrative. With Globe Life, you can expect to pay an average of $40 a month, which slightly less than the standard $50 to $100 for life insurance. Globe has an excellent financial rating of an A+ from AM Best, the most recognized name in insurer ratings in the industry. What this means is, Globe Life has plenty of cash in their coffers to pay out any legitimate claims to the life insurance policies they issue.

Our intent of these reviews is to layout the facts why we may or may not recommend a particular company. Glassdoor has 1,068 Globe Life Liberty National Division reviews submitted anonymously by Globe Life Liberty National Division employees. Read employee reviews and ratings on Glassdoor to decide if Globe Life Liberty National Division is right for you.

Globe Life receives a much higher ratio of complaints for its life cover compared to the national median of 1, according to data published by the National Association of Insurance Commissioners. When selecting a life insurance company, it’s important to do your research and to know what it is that you want to protect. Life insurance companies offer plenty of information about how their products work and why consumers should choose them, but you need to be able to separate fact from fiction.

It’s important to not confuse Guaranteed life insurance and Guaranteed Universal Life . So again, if you are looking for a policy over $50,000, then whole life should not be an affordable option. For instance, you have a mortgage that will last more than 15 years, or you have debt that exceeds a $40,000 burial policy, this is where a GUL can provide the proper coverage.

  • The quoting system does not say how long the term is to which this quote relates.
  • It cannot replace the overall benefits of what a health insurance plan can provide, but can help fill in any potential gaps.
  • Only 61% of adults life insurance, a decline from 70% in 1984, and only 41% of adult Americans have life insurance coverage outside of work .
  • Since then, the company has grown its offerings and now insures over 300,000 customers with policies in 49 states plus the District of Columbia.
  • They go to the BBB and file a proper complaint because we are talking about an insurance company.

For example, the insurance company does not detail much about its claims process. Customers also do not have an option to file a claim online, or even over the phone, which is strange for a modern insurance company. The carrier is active on multiple social media platforms, however, they have a ways to go to catch up to most insurance companies around today, in terms of user-friendliness.

Globe has a good whole life insurance policy for children. But, we do want to point out that it’s not the best children’s insurance product on the market. You should compare Globe Life Insurance rates and conditions with other products to check if the prices are almost identical, will you get more coverage, and what is the company’s experience in the market. Globe Life has been proving health insurance for over 100 years and is proud to have given 4.2 million policyholders life insurance.

Primerica’s Property & Casualty insurance sales , called Primerica Secure, is a referral service to Answer Financial and operates as a lead generation company for that company. Primerica agents will get a small cut from business sent to Answer Financial. I have recently canceled my Family Heritage insurance and they still hit my checking account! It seems as though most cases are a result in the hospitals using different codes than what is listed on their policy benefit schedule.

Globe Life’s term policies are age-specific and are designed to be renewed in five-year increments. For example, if you purchase a policy at the age of 31, you have to renew it at the age of 36, at which point your premium also increases, since you move to a different age bracket. Now that you know all about Globe Life Insurance, get some free life insurance quotes here. Globe does offer the first month of coverage at $1 for the first month; thereafter a $100,000 term policy for a 30-year-old man living in California is $37.53 per month.

The selling point for universal life is how the cash value should increase over time to more than cover premiums in later years. In theory, the insured could only pay the initial premium in one lump sum and then put the payments on autopilot using the cash value account. However, in times of poor market performance, the policyholder is open to not having sufficient funds in the cash value account to pay premiums.

It is better to buy a whole life insurance policy when you are younger, knowing the premium is fixed for the policy’s life. I recently requested information from a life insurance company but it was not Globe. Suddenly I was contacted by Globe and even though I requested that the mailings stop, months later it still has not. My mailbox has still been flooded with letters of solicitation from Globe. At this point I am so frustrated with their company that I would absolutely NEVER get insurance through them. It is not right for companies to try and take advantage of people during their times of grief or even otherwise.

But our overall premiums will be more expensive than those of a term policy since coverage lasts for your lifetime. These policies have no medical exam, just a simple application and come without a waiting period, tow pluses if you’re looking for quick coverage that isn’t dependent upon you passing a medical check. To calculate each insurer’s rating, we adjusted the scores to a curved 5-point scale. Before you start comparing companies, choose the type of life insurance you want, such as term or whole life. Decide which life insurance riders, if any, you want the policy to include.

What Is a Life Insurance Urine Test? What to Expect and Why – Business Insider

What Is a Life Insurance Urine Test? What to Expect and Why.

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Hopefully, this Globe Life insurance review provided everything you need to know. Globe Life offers a few articles about different types of life insurance on its site. For example, you can read about life insurance for senior citizens. Globe Life is committed to diversity and hires people from all walks of life to assist in its goal of providing cheap and effective life insurance to customers. Recently, Globe Life has produced life insurance TV commercials explaining why people choose this company to meet their life insurance needs. Current commercials emphasize consumers’ hopes for the future and how Globe Life insurance helps protect those hopes.

In these cases, Haven Life may be able to complete a decision in as little as two weeks, using technology to facilitate smoother human reviews. I had a similar incident occur with myself that dixiegirl had. The agent was very pushy and demanded that I need to fill it out now.

They offered $100k insurance in the marketing literature but only $50k to me. I have such a policy through AARP and it is an abusive contract IMHO. I USED TO SELL THESE INSURANCE POLICIES SO I KNOW FIRST HAND OF WHAT I SPEAK. Globe Life has received thousands of dollars from my family & we have no coverage simply because they have not submitted remittances in a timely manner. I get no satisfaction from customer service via phone calls or in writing. Thus, we get newer coverage at a higher cost, everything is ok for a few months, then no timely remittances again & the same thing happens again with customer service .

Colonial Penn is a life insurance company based in Pennsylvania that offers term life insurance and permanent life insurance to people 18 – 85. Most modern term life insurance policies do not expire until you reach age 95. Even though you may have a 10-year term life policy, your coverage will not end after 10 years. What does end, however, is the “rate guarantee” on that policy. The company has a wide selection of 11 term, whole, and universal life insurance policies. Their riders include not just the basics , but also disability income, waiver of premium, chronic illness, terminal illness, critical illness, and residential damage, among others.

Date: August 7, 2021