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From: <rcruz@sapasequipment.com>
To: <team+5e1f3ec7-ce1b-42c9-86b4-6eef3a@updates.policygenius.com>
References: db1685169dfe495aa2c99898ef8dd7e9 <20240320145009.07bb264aaee85677@updates.policygenius.com>
In-Reply-To: <20240320145009.07bb264aaee85677@updates.policygenius.com>
Subject: RE: Your life insurance application has been approved!
Date: Wed, 20 Mar 2024 10:26:53 -0500
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Great.  Can you please resend the face value I submitted?

Thanks

Richard

From: team+5e1f3ec7-ce1b-42c9-86b4-6eef3a@updates.policygenius.com 
<team+5e1f3ec7-ce1b-42c9-86b4-6eef3a@updates.policygenius.com>
Sent: Wednesday, March 20, 2024 9:50 AM
To: rcruz@sapasequipment.com
Subject: Your life insurance application has been approved!

Hi Richard,

Congratulations! Your Corebridge Financial application ( policy number: 
4240039578 ) has been approved as applied!

We’ve reviewed your profile and found that there was an age change that 
affects your premium. For context, insurance companies determine your age 
based on the physical age you’re closest to — aka your ‘half birthday.’ In 
your case, the insurer views you as closer to 62 than 61 because your half 
birthday was on 02/28/2024.

We recognize that you applied for life insurance before this age change, and 
we have information that will help you make an informed decision on how you’d 
like to move forward. We also want to make sure there’s no delay in getting 
you covered, so if we don’t hear back from you on your preference, 
Corebridge Financial will issue your policy. Here are the two options for 
your policy.

1.	Current age: Receive the policy at the rate for age 62 and pay  $64.56 
for your monthly premiums (your default option)
2.	Backdate: Receive the policy at the rate for age 61 and pay $57.74. 
Please note: to keep this rate, the policy will be dated prior to your age 
change, and you’ll therefore owe 2months of premiums to activate coverage. 
That total cost is $115.48. Although this is more money to pay upfront, you’ll 
save $818.40 over the life of the policy.

For more information about backdating, here’s one of our helpful articles 
<http://email.updates.policygenius.com/c/eJxkzTtqxTAQheHVSJ0vo7GehYo03kYYyXNjEb9iWZib1QeTKqQ88POdMRIpk6zkqJyCoC1CkLxQmd_LGIPG3rge5BSVV5ZsfnoetbG9184m9SSdgvcGfZAlIqCGHkFpAxAe4FJCq4mYvbHOCQ1tH-nk-ti3ueTXB6-l1UfeFjnH6Tz3Kvo3gYPA4bquf5HAYS5P7spa20FrZoFDnbY2j91ra12i_Hnr9zi6v2X3awkc5BGPfLRvoaHSTpW_WtkXXs_74ScAAP__MkJXEQ> 
.

Please let us know how you would like to proceed, or if you have any 
questions. As a reminder if we don’t hear back from you, Corebridge 
Financial will issue your policy automatically. Now that your policy has 
been approved, we are here to help walk you through the final steps to 
getting your policy activated.

Best,

The Policygenius Team

_____

Policygenius

<tel:(855)%20695-2255> 1-855-695-2255

Monday-Thursday | 8am-10pm ET

Friday | 8am-8pm ET

Saturday-Sunday | 9am-8pm ET

<http://email.updates.policygenius.com/c/eJxkyjFuxSAMANDTwBgZx0AYGLr8a1QG3H6k5IcGUNSevurc-b0SmY1NTks03kAghxC0HFz391piIFytX0E_Y5bgQjEZtsypiN0-EIhdSMJOMpGuEQEJVgRDFiAs4FNCR8wim3XeK4LZCg_pSzv3mr8_5VVnX_J56D0-x2hdrW8KHwof933_T1e88jV_FEHnxl2-Zm2HvMYf_gYAAP__4Yg-7g> 
policygenius.com

Policygenius LLC d/b/a Policygenius Insurance Services in California

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<html xmlns:v=3D"urn:schemas-microsoft-com:vml" =
xmlns:o=3D"urn:schemas-microsoft-com:office:office" =
xmlns:w=3D"urn:schemas-microsoft-com:office:word" =
xmlns:m=3D"http://schemas.microsoft.com/office/2004/12/omml" =
xmlns=3D"http://www.w3.org/TR/REC-html40"><head><meta =
http-equiv=3DContent-Type content=3D"text/html; charset=3Dutf-8"><meta =
name=3DGenerator content=3D"Microsoft Word 15 (filtered medium)"><style></style></head><body lang=3DEN-US link=3Dblue =
vlink=3Dpurple style=3D'word-wrap:break-word'><div =
class=3DWordSection1><p class=3DMsoNormal><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif'>Great.=C2=A0 =
Can you please resend the face value I submitted?=C2=A0 =
<o:p></o:p></span></p><p class=3DMsoNormal><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif'><o:p>&nbsp;</=
o:p></span></p><p class=3DMsoNormal><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif'>Thanks<o:p></=
o:p></span></p><p class=3DMsoNormal><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif'><o:p>&nbsp;</=
o:p></span></p><p class=3DMsoNormal><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif'>Richard =
<o:p></o:p></span></p><p class=3DMsoNormal><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif'><o:p>&nbsp;</=
o:p></span></p><div style=3D'border:none;border-top:solid #E1E1E1 =
1.0pt;padding:3.0pt 0in 0in 0in'><p class=3DMsoNormal><b><span =
style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif'>From:</span><=
/b><span style=3D'font-size:11.0pt;font-family:"Calibri",sans-serif'> =
team+5e1f3ec7-ce1b-42c9-86b4-6eef3a@updates.policygenius.com =
&lt;team+5e1f3ec7-ce1b-42c9-86b4-6eef3a@updates.policygenius.com&gt; =
<br><b>Sent:</b> Wednesday, March 20, 2024 9:50 AM<br><b>To:</b> =
rcruz@sapasequipment.com<br><b>Subject:</b> Your life insurance =
application has been approved!<o:p></o:p></span></p></div><p =
class=3DMsoNormal><o:p>&nbsp;</o:p></p><div><p class=3DMsoNormal>Hi =
Richard,<o:p></o:p></p></div><div><p =
class=3DMsoNormal><o:p>&nbsp;</o:p></p></div><div><p =
class=3DMsoNormal>Congratulations! Your Corebridge Financial application =
( policy number: 4240039578 ) has been approved as =
applied!<o:p></o:p></p></div><div><p =
class=3DMsoNormal><o:p>&nbsp;</o:p></p></div><div><p =
class=3DMsoNormal>We=E2=80=99ve reviewed your profile and found that =
there was an age change that affects your premium. For context, =
insurance companies determine your age based on the physical age =
you=E2=80=99re closest to =E2=80=94 aka your =E2=80=98half =
birthday.=E2=80=99 In your case, the insurer views you as closer to =
<strong><span style=3D'font-family:"Aptos",sans-serif'>62 =
</span></strong>than <strong><span =
style=3D'font-family:"Aptos",sans-serif'>61 </span></strong>because your =
half birthday was on <strong><span =
style=3D'font-family:"Aptos",sans-serif'>02/28/2024.</span></strong><o:p>=
</o:p></p></div><div><p =
class=3DMsoNormal><o:p>&nbsp;</o:p></p></div><div><p =
class=3DMsoNormal>We recognize that you applied for life insurance =
before this age change, and we have information that will help you make =
an informed decision on how you=E2=80=99d like to move forward. We also =
want to make sure there=E2=80=99s no delay in getting you covered, so if =
we don=E2=80=99t hear back from you on your preference, Corebridge =
Financial will issue your policy. Here are the two options for your =
policy.<o:p></o:p></p></div><div><p =
class=3DMsoNormal><o:p>&nbsp;</o:p></p></div><ol start=3D1 type=3D1><li =
class=3DMsoNormal =
style=3D'mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;mso-list:l0 =
level1 lfo1'><strong><span =
style=3D'font-family:"Aptos",sans-serif'>Current age: =
</span></strong>Receive the policy at the rate for age <strong><span =
style=3D'font-family:"Aptos",sans-serif'>62 </span></strong>and pay =
<strong><span style=3D'font-family:"Aptos",sans-serif'>&nbsp;$64.56 =
</span></strong>for your monthly premiums <em><span =
style=3D'font-family:"Aptos",sans-serif'>(your default =
option)</span></em><o:p></o:p></li><li class=3DMsoNormal =
style=3D'mso-margin-top-alt:auto;mso-margin-bottom-alt:auto;mso-list:l0 =
level1 lfo1'><strong><span =
style=3D'font-family:"Aptos",sans-serif'>Backdate:</span></strong> =
Receive the policy at the rate for age<strong><span =
style=3D'font-family:"Aptos",sans-serif'> 61 </span></strong>and pay =
<strong><span =
style=3D'font-family:"Aptos",sans-serif'>$57.74</span></strong>. =
<strong><span style=3D'font-family:"Aptos",sans-serif'>Please =
note</span></strong>: to keep this rate, the policy will be dated prior =
to your age change, and you=E2=80=99ll therefore owe <strong><span =
style=3D'font-family:"Aptos",sans-serif'>2</span></strong>months of =
premiums to activate coverage. That total cost is <strong><span =
style=3D'font-family:"Aptos",sans-serif'>$115.48.</span></strong> =
Although this is more money to pay upfront, you=E2=80=99ll save =
<strong><span style=3D'font-family:"Aptos",sans-serif'>$818.40 =
</span></strong>over the life of the policy.<o:p></o:p></li></ol><div><p =
class=3DMsoNormal><o:p>&nbsp;</o:p></p></div><div><p =
class=3DMsoNormal>For more information about backdating, here=E2=80=99s =
one of our <a =
href=3D"http://email.updates.policygenius.com/c/eJxkzTtqxTAQheHVSJ0vo7Geh=
Yo03kYYyXNjEb9iWZib1QeTKqQ88POdMRIpk6zkqJyCoC1CkLxQmd_LGIPG3rge5BSVV5Zsfn=
oetbG9184m9SSdgvcGfZAlIqCGHkFpAxAe4FJCq4mYvbHOCQ1tH-nk-ti3ueTXB6-l1UfeFjn=
H6Tz3Kvo3gYPA4bquf5HAYS5P7spa20FrZoFDnbY2j91ra12i_Hnr9zi6v2X3awkc5BGPfLRv=
oaHSTpW_WtkXXs_74ScAAP__MkJXEQ" target=3D"_blank">helpful =
articles</a>.<o:p></o:p></p></div><div><p =
class=3DMsoNormal><o:p>&nbsp;</o:p></p></div><div><p =
class=3DMsoNormal>Please let us know how you would like to proceed, or =
if you have any questions. As a reminder if we don=E2=80=99t hear back =
from you, Corebridge Financial will issue your policy =
automatically.&nbsp;Now that your policy has been approved, we are here =
to help walk you through the final steps to getting your policy =
activated.<o:p></o:p></p></div><div><p =
class=3DMsoNormal><o:p>&nbsp;</o:p></p></div><div><p =
class=3DMsoNormal>Best,<o:p></o:p></p></div><div><p =
class=3DMsoNormal>The Policygenius Team<o:p></o:p></p></div><p =
class=3DMsoNormal =
style=3D'margin-bottom:12.0pt'><o:p>&nbsp;</o:p></p><div><div =
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