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insurance quotes liberty

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robogreaser · 6 years

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Commissions are Open

Im officially, properly, finally opening commissions for real. I know what you might be thinking. Mike, haven’t you had commissions opened for a while now?

Yes and no. I’ve had emergencies left and right most of this summer and on occasion I would take on a commissioner here and there to make ends meet. My work queue has been steadily growing. But, now that I have a slew of commissions in the works about to be completed and my finances are a complete disgrace I am officially, properly, finally opening commissions.

There are an indefinite amount of slots available. Mostly because things are looking rather bleak on my end. (More on that later.)

I have reworked my prices to reflect my change in skill, my turnaround time, and my actual audience. That being said, I am flexible and open to discussing prices with commissioners interested in multiple pieces or something within my particular niche. Don’t be afraid to approach me.

You can contact me through tumblr, twitter, or if you have it, my discord (not listed here.)

Please see the terms above about the process of requesting a slot and payment. Payment is only done through paypal at this time. I am open doing the vast majority of topics in my art, the exceptions listed above. If in doubt, feel free to talk to me, or request a private, anonymous commission.

If you can’t afford something or would only like to donate, my ko-fi is listed in the commission post above (mostly because linking it makes tumblr angry for some reason.)

Now, onward to an explanation and breakdown of my current financial situation so y’all can get an idea as to what I am facing at the moment. This will be under a read more to save dash space. Apologies ahead of time to mobile users.

For those who may not know, I have been in charge of my grandparents finances for the past year or so, mostly because of their health and deteriorating state. Coupled with other family drama and troubles, I am on the hook for the annual taxes currently. I am in need of ~$2500 to pay them by the end of the month. This takes into account paypal fees, bank fees, and potential late fees on my end.

Speaking of my grandparents, my grandfather recently took out a mailbox while driving and destroyed the passenger side mirror and window. Safelite is coming tomorrow to fix the window for ~$375 and I will need an additional ~$125 to replace the power mirror.

Earlier this year I had a medical evaluation that concluded, yes, I do in fact have ADHD. It was the first step in getting my mental health in check. But my insurance has a stupid high deductible and refused to cover those tests. I now owe a doctor $2990.

As an aside about my health, I’ve been having a series of complex, bullshit, dental issue for the past six months. I need to have a root canal on top of regular restorative procedures done between now and the end of the year. This is going to cost anywhere from ~$1500-$2000.

I’m currently on the hook for a credit card bill from renovating my Uncle’s (the one who has/had lung cancer but refused to stop smoking/drinking) house and basement. Combined with my other monthly credit expenses, ie gas, groceries, etc, I’m in debt, credit card wise, for ~$4000. No one else is offering/willing to pay for the materials and time and labor, so I guess that’s on me...

Im just a bit bitter about that last one...

Look, I know its completely unreasonable to ask for commission work/donations to compensate and pay for ALL of these expenses. They are my own. I am going to start working a new job soon. I do have the means in the long term to take care of some of these bills. But things like the taxes and the credit card issue are actively making it impossible for me to find and afford an apartment. These things are keeping me tethered to a family that has done nothing but taken advantage of me. And I refuse to give in.

I know my commissioners from way back when, those who have been waiting an inordinate amount of time, might be skeptical of my work and turnaround time, but I swear I am making progress and I will do justice to every single person who is or ends up in my work queue.

I am willing to work for this, and if you’d like to be something of a Medici to my poor, peasant artist ass in 15th century Florence, by all means...

Thank you for your time, y’all.

#robogreaser #commissions #commission info #commission post #art

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recnualcdeme1973 · 3 years

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john hancock final expense insurance

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john hancock final expense insurance

john hancock final expense insurance, I get a letter and drive me to the doctor in my SUV, my driver, with my car. The doctor said that the car was not covered by my insurance, I said that I did not have it and that it was covered by my company. The surgeon said that my car is covered under my policy. He said that my bill was less than half of what he was paying. I ask him why he pays his premiums on it and he said that it’s the best price and that he’s sorry for that. I can’t understand why the carpenter is driving to the hospital. I was wondering, am I covered under medical insurance? If you can’t or will not be covered under any car insurance policy? If I had health insurance through my employer or the state to cover my children to keep them off welfare then I would be covered under my car insurance for the accident. However, if I had a student car they would not be covered. john hancock final expense insurance in Florida. You must complete all 10 application s and the applicant s documents before applying for final expense insurance. The application is not required to provide an accurate estimate (i.e., price) based on current conditions of the insured s health or age. Because final expense is not for all policies, Florida requires an applicant to have a general medical history. The insurer provides a price, formulary, and a medical report during which the insured can access the insurer s website, contact the insured, submit evidence of coverage application, and receive a summary of policies as outlined by the insurance company. The insurer offers a simplified comprehensive policy with minimum coverage options. The basic term is “comprehensive comprehensive” which means the insurer is insuring against all of the possible losses, but is not necessarily insuring against actual money. This policy does not provide a guarantee that there will be “no claims against insurance.” It is not. john hancock final expense insurance is for someone who is still working (or on the road). If you can afford it, then it is not worth it to buy insurance on someone else who is likely to be in an accident, be a passenger in your car, or want to have your car taken off to someone else’s estate. Having an insurance policy also protects your personal belongings, such as an ipad or laptop. Policies like these can get very expensive for the same insurance policy. So if you were to take out the insurance policy, you’d need to be prepared to be prepared at least for a year to keep your policy in force. The important thing about getting car insurance in Georgia is that you have the option of an SR-22 filing, or your driving privileges will be suspended for 3 years if you have your license suspended. An SR-22 is actually the form that the insurance company sends to the state, showing that you have proper insurance. In Georgia.

John Hancock Insurance Ratings

John Hancock Insurance Ratings - September 25, 2019 USAA USAA USAA HomePlus® $199 $1,390 $1,980 $3,492 GEICO $1,933 $4,890 $3,853 Liberty Mutual $1,819 $4,086 $2,902 MetLife $2,652 $3,079 $2,827 National General $1,818 $4,079 $3,827 Nationwide $1,821 $4,050 $2,829 Progressive $1,824 $4,050 $2,974 Southwestern Mutual $1,821 $4,050 $2,964 Southern National $1,8.

What Does John Hancock Final Expense Insurance Do?

What Does John Hancock Final Expense Insurance Do? In 2017 they were paying out out a total of $4.3 billion. They were paid between $1.3.000 billion and $4.9 billion dollars. The only thing we will find out is John Hancock’s Final Expense policy claims may be impacted by the insurance company’s loss of any money. John Hancock s Final Expense insurance does not include the losses that come in the wake of the COVID-19 pandemic. This policy does not include the losses of non-commercial insurance policies. These policies are the coverage that they are looking for, but they can not provide the coverage that this company is looking for. They want coverage, but they want the minimum coverage they can get. This is where the company is looking for, and in that case they make a claim. I am wondering if John Hancock’s Final Expense is guaranteed for the first two years when you purchase the policy. I am trying to ask if this isn�.

Life insurance complaints comparison

Life insurance complaints comparison study based on 2020 rate data from CNET, NAIC, The Zebra, and CareFirst. Yes. New York Life is the largest life insurance company in the State of New York, but for the time being, has remained largely unknown after a string of negative consumer complaints. New York Life insurance company has a strong history of positive financial strength rating, and it’s ranked number 2 among national life insurance companies. The company has a solid outlook and offers several different types of life insurance policies in its lineups. New York Life currently stands among the top life insurance companies nationwide, with a market share of 13.2%. Overall, New York Life has a low number of negative coverage complaints, which are largely due to the state’s comparatively low unemployment income for its population and small income potential. The majority of reviews claim an overly-sheltered customer service model, which is problematic. New York Life’s online application process can be fast and easy. It will.

John Hancock life insurance customer satisfaction ratings

John Hancock life insurance customer satisfaction ratings. The Better Business Bureau has awarded Hancock life insurance a reputation for customer satisfaction, leading to a lower premium. However, it’s not an easy decision to make. While Hancock has a good reputation, we only consider customer service and complaints . The best solution is for you to get an expert quote from a reputable insurer. You can get a quote today (Tuesday) or in 30 minutes ( Thursday ) for a quote. We work with over 40 reputable insurers to build our portfolios and provide you personalized quote options. By having us quote at no extra cost for you we’ll also save you a significant amount on your insurance premium. In order to be on top of this, it’s best to start with a few quotes today and then take a few reps on your insurance journey. You can get a real insurance quote in 40 minutes or less. We’ll provide you with some of the best quotes available that’s available from independent agents and agencies. When you.

Would you choose John Hancock life insurance again?

Would you choose John Hancock life insurance again? It is not impossible, but it may only be too high. We ll need an answer from you by below and we can provide you with the best policy quotes. So, you have a couple of minutes in and you have a life insurance policy you have been looking for, and you re a beneficiary, but you don t have a beneficiary, are you okay with that? The answer is yes, and we love that you are a beneficiary, but the answer to that and the other question is not impossible. But if you have another term insurance policy that covers your spouse without paying any premiums, that’s not even a straightforward question. In that case, your spouse could get additional insurance to replace the excess premiums if the excess paid is greater. Again, the answer is yes. If you live together and can get along for a few months, it may be easier now, but your policy might not be the best policy for your spouse if you live together on your spouse’s terms.

Why Is AIG a Better Alternative to John Hancock Final Expense Insurance?

Why Is AIG a Better Alternative to John Hancock Final Expense Insurance? One of the most confusing questions we get asked by our family members is whether or not they are the best alternative to this insurance company. We think John Hancock Final Expense Insurance in San Diego is the right coverage, especially if you want to cover your (if its been damaged in a storm). If you have recently been , it may be tempting to drop the policy, but with John Hancock, this is your best bet. So, who is John Hancock Final Expense? John Hancock’s Final Expense insurance is what the company is known for. John Hancock is more of a traditional insurance company. They do not go into extensive detail on how Final Expense insurance products work (as it’s for many of us, this isn’t the case for many of them!) So, they do not provide any details about the product, so they don’t answer any specific questions about things like . This is a very unusual situation when it happens, but.

Is John Hancock Final Expense Insurance with Guaranteed Acceptance A Good Option?

Is John Hancock Final Expense Insurance with Guaranteed Acceptance A Good Option? You pay the premiums as an independent agent, meaning you do not work on behalf of a particular insurance company until you submit an application. While the process for applying isn’t the same with final expense insurance, all insurance carriers (i.e., most and some) will cover funeral expenses. The final expense insurance plan will not. With a final expense plan, the insured cannot be refused for nonpayment. A few insurance policies do provide the option to have the insured take his or her own final expenses coverage. These plans do not carry the . The amount of insurance the insured is purchasing and the term of the policy will be determined based on the actual value of the grave, so the insured may still be declined for nonpayment. The final expense premiums will be charged on a monthly basis. Final expense insurance can sometimes be a good choice in those instances. If you are in a situation in which you want your family to receive life insurance benefits, you may need final expense insurance. You can.

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knightavery · 3 years

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pre existing condition life insurance

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pre existing condition life insurance

pre existing condition life insurance policy, you may not need a medical exam because of your health problems, including diabetes or heart disease. Life insurance medical exams only reveal a range of possible . This may include: If you do not want life insurance, you can go with because it offers only a term life policy, while a whole life would provide a guaranteed coverage amount. But whole life policies and/or permanent life insurance policies have a shorter duration, making them not suitable for all types of applicants. Whole life insurance also usually costs more than a term policy and many life insurers only give up to a few years worth of coverage. Life insurance companies who refuse to issue life insurance policies after the age of 60 tend to cover more deaths, so you may not have a significant debt when you’re 60 instead of 64. Even though life insurance may not pay out if you die in one of two ways: (1) you are diagnosed with a terminal illness or (2). pre existing condition life insurance policy. Life insurance companies do not charge a single death benefit based on health questions. The for young applicants is the same for all age groups. The insurance company wants to understand the insured. They want to make sure it is more cost effective to carry a policy. These are the key traits of a good life insurance policy: With only the health issue part of this product to sell, it is a good to start and you can use this product in place of your current insurance policy. Most of the time when applying for life insurance, the insurance company asks you whether you have any medical problems. So to sell a policy now, why are you paying too much? The insurance rate for your policy is based on the health of this person and the age. It is also different from your employer’s policy. A good way to compare the cost of your life insurance policy and your current coverage is to choose the best life insurance policy for yourself because if your current policy is too expensive it would. pre existing condition life insurance coverage – The cost of your life insurance policy is based on a number of different factors, in which policy factors include age, sex, and coverage amount. Your insurance provider is also concerned with your health status – if you have health conditions that can make it difficult for them to insure you, in most cases you can expect to pay more depending on which form of life insurance you choose. For example, a smoker may pay more than a non-smoker on life insurance, while a carrier may deny a claim based on a smoking class of smoker. In the next section, we re explaining . Many life insurance policies give a limited coverage amount in the $250,000 to $500,000 range with no medical exam. For instance, if your policy value is $100,000 it will pay only $25,000. If you have a $100,000 health condition and are interested in a $250,000 life insurance policy, you can expect to pay $125 per month. The.

Cutting the cost of life insurance with medical conditions

Cutting the cost of life insurance with medical conditions, such as diabetes or heart disease, can significantly lower the price. Insuring the highest-income and most common types of debt will be more expensive than the low-income and least effective forms of payment. One way to qualify under this coverage is based upon an inability to pay your current insurance premiums on time as well as debt service levels. If you cannot pay those premiums, or if your debt will increase for the majority of your lifetime, your debt coverage will likely not help you save for your family s needs. If your family lacks a large amount of income to cover the entirety of your loan, it helps to be able to save on their insurance costs. If you have an annual income of $75,000 or above, you would still get paid by insurance only by about 3 percent of your annual income. While that doesn’t seem like a lot to put in context, what if there isn t a huge amount of income or any additional obligations to them? An insurance policy will.

Will an insurance company write to my doctor?

Will an insurance company write to my doctor? What can I do? Do they pay? Can I buy a policy if they don t pay me? My daughter needs life insurance? If you live in a state where life insurance is required by law, you have a legal obligation to have it. If you can live without the insurance and the costs of living in the state can be significant, you can take steps to reduce the cost of insurance. Before you apply for life insurance because insurance is an essential part of maintaining peace of mind, here are some things you should do. Your spouse will likely need life insurance as well. If you are able to pay a higher life insurance premium, you might be able to get a policy and keep it for a longer period of time. You should take steps to prevent this from happening. If your spouse lives with you, then you should take out a living invitation to get life insurance. In most states, a Living Invitation is an online.

Types of Life Insurance – What do you want it for?

Types of Life Insurance – What do you want it for? It’s a question that may have been asked many times that you are asking yourself if you’re getting the most benefit for your life insurance policy, that’s a good question. I’ll help you review your options. But, there are several other reasons why you are wondering, can we get life insurance at the best price? Life insurance rates change year after year depending on how long you’ve been paying it. You can easily shop around or purchase one or more policies to make sure you’re getting the most for your money. When it comes to going through a life insurance company, there is a lot of options to select from. If you want to know if you are getting the most beneficial benefit for your life insurance, then you’ll need to do some research. Now let’s look at some of the options that you might be thinking about taking out a life insurance plan for. If you are looking to purchase life insurance.

Can I get life insurance with a pre-existing medical condition?

Can I get life insurance with a pre-existing medical condition? First of all, you will need to be a resident of the U.S. and have a valid visa to apply for a life insurance policy. This would be the insurance company, for example, that you purchase your insurance in the U.S. from Canada, the U.K. or Taiwan. The U.S. visa to become a U.S. resident will require that you be a U.S citizen with a medical condition, such as COPD, diabetes, or HIV if you are a non-US citizen. You can buy temporary and permanent life insurance for the same price as permanent insurance. Depending on your age, you may be able to buy additional insurance policies with different companies. Here are a few options: If your health is serious enough, you may qualify for coverage through the United States government’s National Endowment Program. An active duty military, and a post-retirement health insurance need life insurance in the United States in order to be eligible for.

How much does life insurance cost with a pre-existing medical condition?

How much does life insurance cost with a pre-existing medical condition? The average cost of a $1,500,000 policy is $250 per month for a 30-year-old male and $175 per month or $1,250 for a female. There is no standard, rolling price. The average cost for $250,000 life insurance is $250 for a 30-year-old male and $200 for a female. The $50,000 to $250,000 price is $150 per month if the insured is a female and $200 for a male. The age of the insured and coverage amount will also be taken into consideration. A 45-year-old male would receive 100% of the coverage amount and a 100% of his premium amount. As a result, premiums are the most affordable price with a 50-year-old male, who is on track to receive a comparable premium. The age of the insured and insured amount will also be taken into consideration. A 55-year-old man or a 69-year-.

Getting Affordable Life Insurance with a Pre-Existing Condition

Getting Affordable Life Insurance with a Pre-Existing Condition? The short answer. Even if your health is better than when you first signed up for a policy, you may still end up paying more than you would if you purchased from an agent. This isn’t always the most surprising and frustrating part of selling a life insurance policy; your agent works hard to sell you the best product at a competitive price. However, it’s important to realize that a policy sold this way isn’t always intended to be your best policy. If you still aren’t satisfied with the offer, there is a chance the agent can take advantage of you while you’re selling the policy with some serious aggression. In many cases, an agent can push or even push on you, whether to encourage you to go elsewhere or just to keep your offer coming. A good agent can make sure that you stay loyal if you don’t think you’re going to be able to keep your offer. For example, when an offer.

What information will I need to give to my insurer?

What information will I need to give to my insurer? If your car insurance is to be used in your event, you won t be able to choose a certain deductible amount, so you ll have to pay that money into the account, instead of deducting the deductible portion on your car insurance. If you don t want to pay a deductible, and because of that you ll not be covered by your insurance company. The key here is that you know exactly how much the deductible will be, and if it s excessive or you re not a good candidate to get the best deal, you can still get the best coverage possible via your personal vehicle insurance. In this article, I m going to cover the best insurance for drivers who pose a higher risk of crash. I am very pleased with the service we are able to offer. Our agency can provide a very large scale service as well as the service you will deserve, especially if you have an accident. It s an.

Types of life insurance

Types of life insurance A life insurance policy is an agreement between the owner of the policy and the insurer on the premium amount payable. These agreements are also known as “term arrangements” in insurance industry terms. This type of policy is especially beneficial if you have young children, if you live in a nursing care facility and are a frequent user of tobacco. This type of policy is usually most suitable if you are young, but you can also obtain life insurance protection if your children get into a car accident, then a disability settlement is a policy that helps provide a monthly disability payment on your life insurance policy. It has the ability to earn interest on your cash reserves, and there are special bonuses to it. The company of the policy pays the interest on your behalf and pays a dividend of the policy as part of the cash benefit that is paid to you. The cash benefit can be used to help reduce premiums paid by other drivers or customers of the policy. Depending on the insurance company of your policy, you.

Getting the best price for your life insurance

Getting the best price for your life insurance. From low rates to awesome customer service. From auto insurance discounts to top-notch customer service, we will make sure that you are receiving the best premium on your car insurance policy. All it takes is a little time and effort. In order to get the best rate possible on your car insurance policy, it needs to be simple. We do this by comparing rates of different companies using a case study. Our agent will be able to show you how to save time on your car insurance policy by doing so in order to make sure that you choose the best rate possible. It’s not just your responsibility to get your vehicle in order, but to also make sure that you are getting the most from your auto insurance policy anyhow that you decide. Most drivers have been using the same car insurance that used to be your home. You may be on the fence about whether it’s worth it to change to a cheaper insurance policy, or whether it’s worth going that route.

What questions will insurers ask?

What questions will insurers ask? You ll learn about the best questions to ask as you get ready to buy. Are you looking for a low-cost term life insurance policy? If you ve already purchased a cheap term life insurance policy with , you may be considering making your first monthly payment to protect your finances, which means you may be faced with a small down payment compared to a great to insure your future children or , , or . If you purchase a term life insurance policy online, you can get a quote before signing so you start your term policy. You can also go through an online payments calculator, with online products available for many companies, to secure the payment you need and how much of it you want. There are many types of life insurance options for consumers, because they re based solely on price. But not all types of life insurance and policy offerings are created equal. There are many types of coverage for consumers, and there s more to consider than just the price of your premiums. In addition to health and financial.

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allwoodjacee95 · 3 years

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state farm life insurance drug test

BEST ANSWER: Try this site where you can compare quotes from different companies :insurefastfinder.top

state farm life insurance drug test

state farm life insurance drug test results. You can get a free roadside test online. Some companies run the blood for two to three weeks, though, which can make it difficult to obtain cheaper policies. If you’re in the market for cheap car insurance, and also have no other choices, look no further than Nationwide. Here’s a list of the top 10 cheapest states for auto insurance. While Nationwide is the cheapest, it’s not the cheapest state. The cheapest is always the destination. For them, you need to look for cheap car insurance they can match. Compare companies.com makes shopping for auto insurance easy. First, enter your zip code in a free comparison tool and get started fast. To start, just call us at 877-238-7977 or . Here’s a list of the top 10 most searched terms for auto insurance in states with no insurance law. As we’ve explained, many places offer it. But don’t worry, it. state farm life insurance drug test results, as well as from various insurers. If you’ve received a roadside test for your life insurance coverage, and have found out to be eligible, then you can request a private roadside test from another source. Your tests will include your genetic information, whether you’re married or just divorced, and your health history, as well as your life insurance medical exams from the private labs. If you can find a life insurance company willing to take time out of their busy schedule when you’re in need of a health examination, you can simply request to your insurance provider if they won’t pay until you’re ready. If they do pay, then you have the option of seeking out an insurance company in your area for a free service. It’s not uncommon for the company to refuse to insure anyone who’s had too much insurance recently. This can be because they discover that a person wasn’t covered under their health insurance. state farm life insurance drug test, which is typically the same as standard birth control and routine mammography tests, but the difference does factor into a person’s age and health history. Generally, a woman, for instance, is under the age of men, with the standard test results coming back to a woman in her 50s, but not yet the 20s in age groups that could benefit people with the better health history. The problem is that there is still a wide range of insurance companies. It’s not just some one carrier that will offer a discount and cover coverage. Some carriers may offer a limited range of coverage, and some will only sell contraceptive coverage. A spokeswoman for the National Committee for Preventive Services (NCPD) confirmed that NCPD will not be commenting on the details of its agreement, because that is being conducted outside of the U.S. As long as there is a difference in how insurance carriers view a person’s gender versus another insurance issue, people with such different ages.

Who conducts the life insurance blood test?

Who conducts the life insurance blood test? Answers: Insurer:(name brand)(name brand) Insurer: National Life Group (NLG)(1) Insurer: CFA Group (2) Insurer: CFP Corp (3) Insurer: CFA Corporation (4) Insurer: CFA Bank & Trust (5) State: DC (State Treasurer) State: DE (Congressional Budget Committee) State: GA (Public Manager) State: MN (House Appropriations Subcommittee) State: TN (Senate Appropriations Subcommittee) State: VA (Senate Appropriations Subcommittee) State: WA (Senate Appropriations Subcommittee) State: WAWV (Senate Appropriations Subcommittee) State: WY (Senate Appropriations Subcommittee) State: WSUWT (Senate Appropriations Subcommittee) State: TX (Senate Appropriations Subcommittee) State: UT (Senate Appropriations Subcommittee) State: TXWY (Senate Appropriations Subcommittee) State:.

Why is the life insurance medical exam important?

Why is the life insurance medical exam important? Do I have to take a medical exam? And how does his insurance work for the same policy, especially if he doesn’t use it? His insurance will match, but he doesn’t do any of the things listed above. Why is it important to insure him? One of the first things that comes into play is if he is in pain and still is, it could affect his life insurance rates. We’ve also seen some cases where they can go up because of a certain type of diabetes that’s listed. Another thing that we are looking at from the driver is that if he is healthy and healthy but has diabetes, he will be getting very high rates just because he’s not going as much. There is no way to set anything off. If he gets diagnosed with certain types of diabetes and the insurance agent determines his insurance needs, he will be affected. If he did not have this type of diabetes, he would not even have any.

Insurance by state

Insurance by state How many accidents would you like to see in a year? Delaware 1,051 2,097 3,252 4,871 Michigan 1,052 2,938 6,928 Minnesota 1,045 2,931 7,939 Mississippi 3,924 2,846 6,895 Missouri 2,996 3,822 6,898 Montana 1,079 2,052 3,087 New Hampshire 2,916 3,814 8,927 New Jersey 2,912 2,922 6,898 New Mexico 1,079 2,905 7,865 New York 1,010 2,732 .

Insurance types

Insurance types of homeowners are as follows: Gap insurance. If your house is purchased with a mortgage and it’s still flooded after major flooding, your insurance company will pay for any repairs up to the amount of your outstanding . The coverage limits for your flood insurance policy are as follows: $25,000 per person / $50,000 per occurrence for Property damage —This coverage pays you up to an additional $250,000 for costs involving damage to property caused by a flood. $5,000 for injury/death — This coverage only pays out up to $5,000 of property damage per person, regardless of a flood caused by a flood. $10,000 per accident— This coverage takes the place of liability coverage if you cause a property damage accident while driving a motor vehicle that does not have liability insurance, or does not meet your limits for personal injury protection. The difference between a basic flood insurance policy and a flood insurance.

What is a life insurance medical exam?

What is a life insurance medical exam? This medical exam will ask you about your general health, answers about your medical history, but nothing about your any medications, or medications and what kind of life insurance you will be getting. This is a health question, and you need to be out of town in the U.S. You should probably stop by your doctor’s office and get a little more information. If you are in need of a serious, life-threatening illness like cirrhosis, it’ll lower the risk factors that cause an accident, and will actually help lower your premiums. However, it will be more difficult to find the insurance company you’re with. If you’re in need of a serious, life-threatening illness like cirrhosis, it’ll lower the risk factors that cause an accident, and will therefore help lower your premiums. However, it will cost more to get the other person insurance information instead of spending time behind the wheel. The better the information about a.

What Is the Life Insurance Blood Test?

What Is the Life Insurance Blood Test? Insurance tests blood pressure, heart rate, and cholesterol in order to assess your own health. Most companies test your pulse, but the most common order is triglyceride blood tests that look at your blood pressure. If you’ve got cholesterol, this is an issue for the life insurance company to be responsible for. How Long is Premolar? The life insurance company will consider the percentage of each measurement. Most states require the blood test to be carried in order to assess your individual risk for cancer, heart disease, or various other types of treatment. A large percentage of life insurance companies require the blood test to also check for various health conditions or conditions that could cause you to be rejected from a provider, or even be denied coverage from a medical provider. Some will even deny your application if you smoke, or if your doctor recommends a higher dosage of nicotine. Are You Having Problems In Life Insurance? A large percentage of people should be considering getting coverage if they suffer.

Is there any reason I might not have to take a life insurance medical exam?

Is there any reason I might not have to take a life insurance medical exam? My husband needed life insurance after being diagnosed with stage 4 cancer. He was diagnosed with colon cancer. The doctors said it wasn t cancer at all, but was Hodgkin’s Disease, so the life insurance company took the risk and paid the price. He had Hodgkin’s Disease for 2 years... 2. I think it s a great idea to just take the life insurance exam and then not take a blood test.. Also, just like with my stage 4 cancer.... It might be a good idea in your 30s, but life insurance is usually considered to be healthy. As far as being under 40 years old, there are no serious health problems and you can look at my record. My BMI in the 40s is around 200. Also my blood pressure is 400. Also my heart rate is 270. I ve been through a lot, but have no type of health issues. Also I can still feel good as I m doing my PhD. Thanks.

Life insurance is more affordable than you think

Life insurance is more affordable than you think. Your vehicle will be covered in the event of an accident and it will cover any damage caused to you or an passenger, to a passenger or other property (even if debris is found within the car). It can therefore save you money in the short-term if your vehicle is stolen. You should ask your insurer about any possible discrepancies that would need to be addressed on your application. If the vehicle is in a damaged lot it can be valuable that your own insurance company would cover you in the short-term. The car insurance policy could potentially be as little as $50 per month for those with a decent driving record. That’s not all, as you can also request that your car also be reported stolen to your insurer if you were a victim. Another reason to protect your personal assets isn’t always easy to obtain if no one else is paying the damages when someone else was at fault. If you have someone else’s car who drives your car in your name,.

Health Insurance

Health Insurance Plan is similar to other comprehensive coverage policies. The policies are offered by one of the largest names in health insurance, the American Health Care Plans Association (AHCA). AHCA’s website has information on the AHCA’s website. In addition, it has a helpful section devoted to AHCA’s customer service section. The American Health Care Plans Association (AHCA) is a multi-billion-dollar national health care insurance group. The AHP covers 1.2 million members. The AHP also specializes in helping people through their personal healthcare plans. AHCA offers several different services that the other plans don’t. So if you re planning on switching to HSA or Medicare, AHCA should be an option for you. The average cost of insurance for a family of 4 is $37.04 per month. You can get some estimate, but it will depend on the type of plan you’re considering. You might save your monthly premiums by increasing.

How Does the Life Insurance Blood Test Work?

How Does the Life Insurance Blood Test Work? For Healthy, Healthy, Healthy, Healthy. The LTC test is a vital way that insurance companies offer the possibility to get approved for coverage due to your weight, health, or any other health conditions. Your insurance company might require you to take the testing. The insurance company might also request a doctor’s exam to review your results (similar to what an HDHP does). If you’re interested in a policy that allows you to ask your LTC test anytime from 90 days, this is a good choice. If you’re seeking a policy that requires no exam, then consider applying for a policy that only requires a few medical tests and no information. You don’t know what you can do about your LTC test history, so give us a call and a licensed test tester will ask you questions about your condition to assess your risks and to help determine the benefit amount. This policy also offers several additional protections, such as the.

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jamesmakeup4-blog · 3 years

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This week I have an additional session on my tummy location, It does take some time, yet it does work. Had the fat freeze in December and i am so delighted with the results, I have actually gone down two dress dimensions. I'm currently a dimension 16 and also have actually scheduled in for another 8 applicators, i can not fault this organization at all! the only adverse responses i have is that it made me go to the toilet so typically but that's easy to understand as my body was just eliminating the waste. I previously had an instance of the guy boobs so I got a cryolipolysis treatment to decrease these. I'm pleasantly stunned by the results and also I have almost no fat because location anymore.

having my 2nd treatment of cryo done, have seen a large distinction after my very first treatment on my belly. my skin does feel tighter however i haven't seen any results yet as it does take 6-8 weeks to see results so i am intrigued to see what results i get. came in for hifu face lift last month as well as decided to get my jaw area and neck done too after talking with the specialist. i was a bit terrified in the beginning as i do not like unpleasant treatments yet it was not uncomfortable it just really felt uncomfortable in particular areas.

is There An Age limit For This kind Of surgical Procedure?

When I was called for my appointment, they attempted to market me a course of 3 treatments. I was skeptical regarding the therapy so refused on the basis I would see if I got any outcomes first. When I asked what the success rate was for this treatment, the individual telling me concerning the treatment she claimed she really did not have any type of numbers and also Outcomes vary from one person to another.

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really happy with my face lift treatment, would suggest to any person and would suggest choosing the complete jobs as it is totally worth it. I have seen results after 3 months and also my face looks extraordinary, i am extremely delighted.

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The treatment i had actually opted for was the shallow treatment, so simply waiting for results. I have my 4th session of ultrasound reserved for following week and also I am truly happy with the price at which my double chin is beginning to decrease in size. The parking is a bit aggravating though as no person discussed initially that there was no totally free car park available outside but when I called in, a charming lady offered me instructions to a nearby parking area. great service and team member, rates are inexpensive and also worth the money. I would extremely advise this therapy if you have any kind of worry about the firm of your girl little bits.

What Is Hifu Treatment For Face?

The focus of the thermal power is specific and aids manage the tightening of the muscle mass and also intensity to curb the invasiveness. The procedure guarantees outcomes as well as convenience for every individual and also takes the quickest time feasible to return to the normal routine. try it out here is likewise appropriate for those with various other genital concerns, consisting of genital prolapse, endometriosis, pelvic leisure as well as pelvic discomfort. There are no contraindications for FemiLift if you are taking the birth control pill, have a contraceptive dental implant or have previously had a hysterectomy. FDA approved because 2014 for the treatment of post-menopausal vaginal atrophy with dyspareunia which leaves several females unable to make love because of dry skin as well as discomfort on infiltration. The FemiLift CARBON DIOXIDE laser provides power around 0.5 mm deep right into the genital skin and also creates small, white, ablated dots of damaged cells on the mucosal cells inside the genital canal. The FemiWand is a nine-minute treatment, boosting vaginal muscle mass toughness and rigidity - as well as the effects can last for greater than 2 years.

To start with, this non-invasive genital treatment technique is painless as well as calls for no downtime. Besides, it only takes 20 mins, therefore do not conflict with your regular life. As claimed previously, this is a non-invasive vaginal area tightening technique. The method is well created to bring back and repair genital walls without needing to utilize numbing or anesthetic creams. Various clinical as well as logical investigates have been done on this technology. It is accredited safe as well as authorized for usage in medical method. A study by the United States National Institute of Wellness in December 2015 confirmed that the treatment is secure, efficient and also non-evasive, as well as has a favorable long-term result on skin laxity.

It has actually been just over a month since I had the femiwand treatment. I was truly hoping that the therapy would have dealt with the damage of being overweight and so on i had a treatment at the brand-new center in birmingham, i have to say it is a lovely center as well as it is a reward that they have parking on site. the center itself is very clean and neat and all team are well specialist. i was offered a drink on arrival and was offered the wifi password as well as if i desired any magazines. I had the fat freezing therapy at the Bham facility, and i must claim it worked out. It had not been uncomfortable in all as well as i had a very enjoyable experience.

The ultrasound process focuses the thermal energy on the superficial muscular aponeurotic system of the genital cells. This results in tightening of the muscular tissues which consequently tightens up the muscle mass.

teeth bleaching therapy.

Many clients report no pain and also require no downtime after the treatment. Therapies are scheduled at 4 or six-week periods, and many customers see gain from 1 or 2 therapies. The treatment is ideal for healthy and balanced women over the age of 30 who are searching for genital rejuvenation. Customers who are breastfeeding or expectant are not recommended for the therapy. We advise clients to wait at least 3 months after a typical giving birth prior to having the FemiWand ® therapy. most popular Anti-Ageing Therapies Greenford of this procedure is to boost the quality of life. Women who do well in recovering their vaginal canal tightness often tend to be a lot more confident as well as have admirable self-confidence.

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Other long-term results of the therapy consist of tightening up as well as renewal of genital cells. Customers must have the wish for a tighter, extra youthful-looking vagina to receive FemiWand ® . Because every female's physique is various, your aesthetician will certainly go over the optimum variety of treatments to match your demands and objectives. Genital tightening with FemiWand ® needs no downtime, and also customers can return to regular life instantly following the procedure. FemiWand ® is the perfect choice to extensive, intrusive surgery to recover the youthful appearance and also feature of the vagina. FemiWand ® is a 20-minute procedure that can be carried out on your lunch break.

This is since the PSA blood test is general to prostate cancer.

Raised Hifu Solution Promotes Natural Collagen can not tell a physician whether a man has serious prostate cancer or otherwise.

This aids the doctor target the cancer cells so that less of the healthy and balanced tissue is harmed.

The probe likewise makes use of ultrasound to create photos of the prostate while your surgeon is treating it.

It can additionally be duplicated must your cancer cells repeat, and also it does not omit various other treatments if called for such as radiotherapy or surgical treatment.

Your PSA degree can additionally be increased by various other, non-cancerous conditions.

On the various other hand, tightening the vaginal area helps sexually active women to enjoy their room matters with their hubbies. Also if vaginal canal looseness is rarely talked about, it is a crucial condition that can make women feel unfortunate, disappointed, ashamed, and also uncomfortable with their bodies.

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I had the shallow as well as the muscular procedure done as I have actually had 2 children sen vary from leak. I did not experience any kind of discomfort or discomfort and also I am looking forward to feelin results hopefully this treatment will aid me as well as tighten points up! I had the femiwand treatment done yesterday at the Manchester center as well as was instantly placed at convenience by the medical professional. The areas i had actually done are now looking very radiant as well as I'm really happy with the outcomes, I will certainly for sure be returning in for one more therapy. Aftercare treatment was given and also its been two days as well as im sensation great. I had actually undertaken the treatment for the femi stick vaginal treatment, as well as it was somewhat uneasy. Nevertheless the specialist was very gentle and provided me with a lot of aftercare suggestions and also was very pleasant as well as welcoming.

What is the best cellulite treatment?

Best results according to research studiesLaser treatment. Different types of laser treatments are used to treat cellulite. Subcision. Vacuum-assisted precise tissue release. Carboxytherapy. endermologie® Ionithermie cellulite reduction treatments. Radiofrequency. Laser-assisted liposuction. More items

let's discuss ... City Skin.

Much more recently, HIFU has been effectively used for cosmetic therapies consisting of skin laxity. Make use of the switch listed below to reserve a genital tightening up consultation. A women professional will get in touch to review your requirements. The ultrasound is flawlessly secure, and unlike lasers can go beyond the surface area of the genital cells to increase the effects of the treatment. A PRIVATE cosmetics facility has actually been purchased to remove an advert advertising its genital restoration treatment after the UK's advertising guard dog regarded it "misleading" as well as "careless".

Why does my stomach look like it has cellulite?

Cellulite most definitely occurs when you gain weight — in women, it tends to be most noticeable in the areas where women are prone to gain the most weight (the stomach, thighs, and backside) — and when that body fat grows, it enlarges and pushes against the connective fibers under your skin.

The locations I had them on were a little bruised for a few days yet quickly cleared up. It's not a magic wand as well as I really did not end up being model thin overnight, so any individual that assumes that is what will certainly happen will certainly be disappointed. My improvement is coming along great as well as I would definitely reccomend vivo facility. Had the Cryolipolysis treatment and so far the outcome is impressive I have actually dropped a jeans dimension certainly recommend this treatment. My partner mores than happy i enjoy would highly advise this treatment if you have actually had children or struggle with leak. i bought additional applicators for the location and determined to have a few sessions done. I really did not tell my pals and also people that knew me, remarkably everybody was seeing I was bring down.

What is the best cellulite cream?

Best Overall: Sol de Janeiro Brazilian Bum Bum Cream. Best Splurge: Augustinus Bader The Body Cream. Best for Arms: Revision Skincare BodiFirm. Best for Legs: Body Merry Cellulite Defense Gel-Cream. Best for Stomach: Glytone Slim Design Cellulite Day Cream. More items•

The nurse was lovely yet no before photos were taken ... so also if I did get a training course, there's no way of understanding it's worked !! She told me that the therapy would not firm my skin in all in spite of the advert on wowcher claiming it would certainly !! The therapy lasted half a hr, wasn't particularly uncomfortable yet I am not holding my breath for any kind of results. The exact same 'salesman' after that attempted to market me some lotion before I left. Too aggressive and inadequate knowledge about their therapies or success prices. The therapy has been created with the exact same modern technology that has been efficiently used in non-surgical renovations. Merely, this includes sending out multiple ultrasound beams right into the skin.

my husband has additionally seen a difference because area as well as is happy with what he has seen. i would definitely have a secound therapy to tighten up the location a little extra. I have had a HIFU treatment with Vivo Center and have actually had wonderful results.

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ayellowbirds · 6 years

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I know, I promised an update earlier today. The thing is that my household has been dealing with what seemed like small problems snowballing into bigger and bigger problems; our only car can’t pass inspection and the troubleshooting of why has turned up problems with the fuel pump and control arm that are being estimated at a couple thousand dollars in parts and labor; we’re going to see about whether another mechanic can do that for less, but we’re still expecting a significant cost. That’s in addition to making up for the cost of a rental, and on top of testing for both myself and my father turning up unexpected medical problems, which are compounded by the lack of reliable transportation, and our general practitioner being on vacation.

I said yesterday that NaNo was a big undertaking that has absorbed a huge part of my time, and has been very emotionally rewarding. But it’s also been emotional labor, and that labor is affected by not only dealing with these problems, but interacting with my short-tempered senior citizen father and acting as a go-between between him and other people, including doctors and relatives.

We have some savings, but that can only take us so far, and there’s costs outside of the more urgent ones.

If anyone is up for helping offset those costs, please click here for a Paypal donation page, or here for my Ko-Fi if that’s easier for you.

If you missed the last update, or just want a refresher, then click this link.

And now, the penultimate update:

The 29th of Lumeary, 5647 CC

“Next, I guess we’ll wrap things up with those who want to come back alive,” Cypora said, looking through the papers. They’d traveled out to a border town to purchase some more food and other goods, as Etzbamoreh was more of a holy site for the dead than a place to buy things living ‘tourists’ might need. Here, they even saw some living mortals, and undead who were likely on their way to see about resurrection. It had been agreed that it would be bad to harass adventurers here, and they kept as low a profile as they could manage while still dealing with the more self-aware of the rephaim to barter for goods and services.

She spread the pages out in stacks, handing some to Shiaroc, and others to Sefora. Orangella was at a stall nearby, haggling over the value of some pieces of treasure she was trying to exchange for dried fruits; her turn to deal with the oddities of the local merchants after Cypora had worked herself into an anxious mess negotiating for supplies to make switchel.*

“How are you feeling about all the volkelak coming back?” she asked Sefora, who was reviewing her pages. Under the table, Sharf yawned, and Cypora reached down to pet her and give her a snack.

Sefora seemed to think about it, flipping the pages about as a distraction. “It’s going to be good, but different. I guess I got used to it just being me and the kids, and before that, a few others. I don’t even know most of the people in here, they’re from before my time.”

“You came to the dungeon recently?” Cypora asked, and Sefora nodded. “I guess I didn’t think about that, much. Newcomers, versus those who were there from the start. And me, the newest-comer of all.”

“We will vouch for you,” Shiaroc assured her, and under the table, curled her tail around to brush against Cypora.

“Thanks,” Cypora felt the heat of a blush on her face. She had her mask up, but the papers made it easier to hide the redness. “What about you? How do you feel about all of your people returning?”

Shiaroc slumped, and let out a long breath. “I thought I would be happy. But, I am frightened? What will they think of me, and the choices I made? There are many mothers coming back. There are champions who fell, before me. To face them is making me feel stress.”

“I can relate,” Cypora said, laying her hand over Shiaroc’s own. “My legs felt like jelly when we met with the Old Goat, and now we’re going to bring back Joia-Douce, who was overlord after him and right before me.”

She realized that might have been insensitive, and looked at Sefora, trying to gauge her reaction. She had apparently been distracted by something in the other papers, the ones that neither she nor Shiaroc had been reviewing.

“Eh?” Sefora startled, looking up in the silence. “Sorry, I didn’t really know her, but I remember that she basically took the job because nobody wanted it right after the Old Goat died. And then she holed herself up and refused to interact with anyone, which I guess is how she wound getting sick and dying. It takes a lot for sickness to kill a loup-garou.”

She picked up one of the pages she’d been reviewing. “Anyway, I was wondering about some of the people we’re bringing back. I don’t know that the witch-does or the pigmen will get along with the loups-garou.”

Although she’d never† met one—all those that had lived in the dungeon had been slain in previous raids by adventurers—Cypora knew from her studies under Madrona that these were near-kin to the volkelaks: not humans who had acquired, been cursed, or born with the ability to take on the form and features of a monstrous wolf, they were instead people who took on the aspects and bodies of swine and deer. The pigmen were especially dreadful; she shuddered to imagine being afflicted with turning into that most trayf of animals.

“Ah, because they turn into animals that wolves hunt?” she guessed.

Sefora blinked, before slowly and flatly responding, “no.”

“Then, why?”

“They’re more vicious than any wolf,” Sefora said. “Brutal, bloody, cruel. Loups-garou will hunt people, sure. But pigmen and witch-does will play with them, like a cat with a mouse.”

This had been one of Cypora’s worries about the inhabitants of the dungeon. It was true that some of those who still remained, like Hashraa, were openly murderous. Others made a pretense of it: a number of the lizard-people had casually mentioned having eaten human flesh after killing adventurers, but that had turned out to be a boast, and they had admitted when Cypora questioned them that they found the idea unappealing. In the latter case, it simply added to the bluff that Cypora wanted to create of the ‘scary evil queen’. But she did not wish to take it too far; the entire point of being ‘evil’ was to oppose the corrupt ‘goodness’ of adventurers.

She couldn’t make that work out if innocent people were being tortured.

“Do you suppose,” she ventured, “we could direct that at the adventurers, only? Expand the Avanturistyegers into something larger, more genuine?”

With excellent timing, Orangella sat down at the table. She gestured to the stall. “I got the price down to half, but we’ll have to haul the crates ourselves. I guess we’re not taking the whole dozen.”

“Nu, I can carry most of them, if I float” Cypora responded. “But did you catch any of what we said there?”

“Yeah, I did,” Orangella said. She shut her eyes for a moment, taking a deep breath. “We’ll need someone to give them direction. Scoloaster’s a good start, and Lináloe’s anger is just directed at adventurers. The taily-pos only care about getting back what’s stolen. And that’s just the First Company, which is only six people, anyway. If we expand the Second Company to more than one member….”

“You made light of the ranks and status, but perhaps we should take them more seriously,” Shiaroc suggested.

“If we do that,” Orangella began, and paused again. “If we do that, there’s something I want to do, first. I want to see if the dungeon extends into the yenne velt, and if I can get down there.”

“Visiting the donstairsikes?”‡ Cypora chuckled. “Of course. We should learn as much as we can about the dungeon, in and out, up and down. Maybe you could even find some cousins?”

“Maybe,” Orangella smiled.

“So, discuss it with them, but hold off on formal recruitment, especially since you want them to settle back into living a bit before putting them on the heels of adventurers?” Sefora said.

“Sounds good,” Cypora agreed, reaching to look over the pages in question. There were details of the lives of each, and, in a useful bit, the natures of their transgressions in that time. It seemed to have some bearing on the costs of bringing them back, though there were other factors she could not entirely work out. It was possible that half of it was simply Q’dushah’s whims. “I see some possibilities, a few of these sound like they might want to do it even if we don’t ask them. So! We bring back this bunch, and then it’s just all the folks who only want to come back as zombies and dybbuks and the like, which I’m sure Qurra will be pleased about.”

“What’s with you two?” Sefora asked, apparently not missing the scorn in Cypora’s voice.

“She just bugs me,” Cypora responded, curtly. The truth was that she didn’t know, and didn’t feel like examining it. “I can’t just be bothered by someone? I don’t have to be everyone’s friend.”

“Not a friend,” Shiaroc said, “but you should be her ally. You cannot rely only on friendship to be an overlord or queen.”

“Probably right, there. Anyway,” Orangella added, ”she likes you.”

Cypora didn’t realize she’d been leaning back on the bench until she nearly fell off of it. “She does not.”

A chorus of refutation met her.

“She’s always bugging ‘Ricia, gushing about you,” said Orangella.

“I think she at least admires you,” Shiaroc agreed. Her manner turned sly in a way that Cypora didn’t want to admit was exciting. “And maybe she hopes for more, if I am reading humans right.”

“She—” Cypora began, but was interrupted by Sefora.

“We need to solve your body language problems,” the loup-garou girl said, jabbing a finger at Cypora. “She’s been hanging on your every word when she wasn’t practically hanging on you, when you came by.”

“This is absurd,” Cypora insisted, and stood up, wobbling for a moment on a leg that shot with pain, before lifting herself up with the magic in her boots. She hovered her way over to the crates of dried fruits that had been set aside. “And it’s getting late, let’s get these paid for and ready to feed some bellies. Caracosa will already be waiting for us at the station in Kaf.”

There was silence behind her.

She turned back, already starting to bend down to lift some of the crates. “What?”

Shiaroc, Sefora, and Orangella looked at each other—or, more accurately, Sefora looked between Shiaroc and Orangella, and Orangella stared at Shiaroc and nodded towards Cypora. Even Sharf seemed to cast a concerned look her way.

Shiaroc spoke up, standing and walking up to meet her. “We are worried about your pains. This is not a normal amount of time for the changes to take place, for an overlord.”

Cypora had been hoping this wouldn’t come up, even though, rationally, she didn’t have a reason to hide it from her friends, allies, whatever she would call Shiaroc, now. She took a deep breath.

“I might have asked for some unusual changes,” she started to explain, before realizing it wasn’t really an explanation, and adding, “or more accurately, unusual conditions for the changes. I was hoping I could, well, hang onto it as an ace in case of something serious, to deal with a real threat.”

Shiaroc nodded. “You like to keep opponents misdirected. It works very well. But we are not your opponents.”

“You’re right,” Cypora admitted, standing up and pulling down her mask as a living half-giant and a dog rounded the corner. She didn’t feel like more strangers seeing her face. “I should’ve told you—everyone, but especially you—what it was.”

She was about to explain, she would swear, later on, when it came up. Really, she was. But Alícha de Matos rounded a corner and walked into Shiaroc.

“Sorry, Miss Frawley,” she began, but looked up and saw Shiaroc. “You?”

It was absurd. The adventurer had been left far outside of the dungeon, far even from Crossroads. Cypora had made sure the Avanturistyegers had seen to that, even giving Scoloaster instructions to try to leave her nearer to a place where she could be distracted by other things than finding her way back to the Timber Barony, based on what the dybbuk had plucked out of her mind while possessing her. On top of all of that, she’d had the instructions for the one other volunteer, the sole member of the Second Company. Everything should have kept the dangerous little brute as far away from her dungeon and its people as possible, but here she was, interrupting things between her and Shiaroc again.

She heard herself and Shiaroc repeat the question from Alícha, “you?”

It was too much. She grabbed her shepherd’s axe from where it was stuffed through her belt, under her cloak, and lashed out without any expertise or direction. “What are you doing here?”

Surprise worked in her favor, but aim didn’t, and she caught Alícha with the blunt side, rather than the axe head. Enough of her anger and strength went into the blow, though, and it knocked her back; Alícha clutched at her rib where the wild attack had landed.

Cypora put her will back into the boots, and flew up and out of reach, casting a quick eye over the area. The half-giant and dog had reacted, and were moving to support Alícha, who had unsheathed her sword and was backing up, taking fast, wide glances. She still had the eyepatch, but Cypora couldn’t count on her fighting ability being affected by it.

Nearer to Alícha, three more adventurers. A zombie in oversized clothes and with an even more oversized sword—that must have been the reason they were in Sheol, for a resurrection—and two more mortal-looking humans, one pale and straw-haired with a nasty-looking hammer, and the other with long black hair and a longer bow that already had an arrow nocked. Among them, the last Avanturistyeger, her intended double agent, staring straight at her.

She caught their eye, and mouthed, “not yet,” shaking her head.

An arrow zipped through the fabric of her cloak, grazing her arm.

* It had been agreed that an alcoholic beverage would be too pricey and not truly thirst-quenching would be more suitably replaced with something they could make from scratch, with some cheap ingredients. Fortunately, there was a source of cheap, strong ginger in Sheol, and vinegar was in plentiful supply. The truly costly part would be sweetening it, as the dead seemed to relish their sugar and neither syrup nor honey came at a low bulk price. Cypora made mental notes to convince Keturah to start arranging for beekeeping at the dungeon, which would be easy, and to see about tapping the maple trees, which would be complex and required expertise she lacked.

† This was false, but Cypora had no way of discerning a shapeshifter in human guise, at least, not prior to becoming the overlord of the dungeon. Individuals of several kinds had entered and left her life between her birth and adulthood.

‡ “Downstairs neighbors”

The 29th of Lumeary, 5647 CC, Alícha.

Alícha saw Tavi loose an arrow at Cypora, in the same instant that the lizard-person Shiaroc swung out her tail like a whip. The very end caught Alícha as she dodged, slashing her clothes but not doing more than scratching her.

“Who the—?” Broke yelped, unbuckling zir sword and moving to defend her, even as she moved back to form a circle with her party. Pheribee was joining them, as was Lucky.

“Remember those rumors about ‘adventurer-hunting monsters’?” she yelled even as Cypora and her monstrous allies began to call to each other. It had been the biggest new chatter among adventurers since the last dungeon discovery. “This is their boss and her buddies!”

A cloud of smoke encircled them in a ring, expanding up into a wall. “What’s happening?”

Dots were connected. The other girl she’d recognized, who must have been the Orangella of the Wisps from the stories going around. “The mazik, half-shedah! She can manipulate smoke and shadow, watch your eyes and breath!”

“Got it,” Pheribee replied matter-of-factly, and swirled one hand over her head. It made a little tornado with their party at the eye, spiralling the smoke into the dark sky of Sheol.

Even as she did, Orangella was leaping through the wind to attack, and from the other sides, Cypora, Shiaroc, and a loup-garou. Alícha moved to protect Tavi, who did better at range, and caught Shiaroc’s attack with her sword. The wooden staff the towering beast-woman used was heavier than it looked, and Alícha felt like she had blocked steel instead of wood. The least she’d get out of this would be an agonizingly sore arm.

As she traded blows with Shiaroc, Alícha caught sight of the others fighting. Tavi dropped herself into Pheribee’s hand, and the anaqah tossed her out of the middle of the fight into some haystacks a good distance away. In the adrenaline-sped thinking of battle, Alícha had just enough time to wonder what kind of crops the land of the dead grew that they had haystacks in the first place—and then she was bracing against a sweep of Shiaroc’s tail to her legs.

She let herself tumble over, rolling into the fall rather than just being tripped, and caught her opponent with a sword strike that managed to stab between the wooden slats and pierce leather. Unfortunately, only a shallow stab. She had time to move her sword to defend as Shiaroc reacted, and dodged swings of the staff that kicked up a cloud of dirt around her, hopping back.

Tavi was loosing arrows that thudded into the loup-garou, but didn’t seem to achieve much. The problem with shapeshifters was that, even in human form, too few things truly hurt them. This one was heavily bandaged, and ugly scars were visible beneath as she grew into a larger form. ‘A wolf on two legs’ would have been a way to describe it, if you only knew wolves from old illustrations by people who had only seen wolves in nightmares. Far too many teeth, far too much mouth. Arms and legs too long by half. Eyes that gleamed yellow as the full moon.

Broke was engaged with fighting Orangella, pairing zir sword with zir ink-slingers. More than just a distraction or a means to create a slippery surface, Broke had picked up the magical skill of making the released ink go where ze wanted, and achieving strange effects by writing into the air and onto whatever surface ze wished to affect. The name of an angel of air the fell on the mazik, and she was flung back, the candle in her hand cast away.

Pheribee and Lucky were paired off against one of the strange dogs that accompanied Cypora, an axe-faced creature. Alícha had read up on the creatures she encountered in the dungeon after her previous battle with Cypora, and even more so once the rumors started to reach her ears; this “axehandle hound” was far larger and more densely-muscled than most.

Cypora was faced by Lodemia, who was snarling and using the haft of her sledgehammer like a spear, jabbing at the ‘Evil Queen’. But Cypora’s axe was faster, and lighter, and while Lodemia’s frenzy made her ridiculously strong, it didn’t make a sledgehammer any less unwieldy a weapon. Even an enchanted one.

The 29th of Lumeary, 5647 CC, Cypora

Cypora dodged the hammer blows, not with great effort but a good deal of frustration. Her opponent was the type of adventurer who was famous for giving in to a berserker rage as a path to strength. If any of her strikes landed, they would have been devastating, but with such an absurdly oversized weapon, she was slowed and couldn’t match up to the lightness and speed Cypora’s boots granted her.

Another oversized weapon was in the hands of the zombie. Some sort of magic-user who balanced enchantments with ink and the use of the sword, but what an absurd sword. It had the reach to catch Orangella, but since Orangella was better at a distance, anyway, the fight was in her favor. It didn’t help that the zombie kept casting spells that actually maintained the distance between zir and Orangella.

Sefora was doing just as well, casually plucking arrows out of her now fully-transformed body, and moving to assist Shiaroc, who was battling Alícha. Where Shiaroc had started to use a staff of enchanted wood from the dungeon, Sefora had picked her weapons from among what the Avanturistyegers had recovered.

Even Sharf had an opponent, battling both the dog and the anaqah. The dog was yelling out incantations of spells, and the air around them was swirling and twisting in nauseating ways.

Cypora didn’t know about those last two. The reports that had been snuck back to the dungeon by her agent had covered the details of Alícha’s party, and other sightings. In fact, the details of the reports were part of why she was now so frustrated.

The damnable thing about it was that Alícha seemed to be one of the only halfway decent adventurers. It was as if she’d taken all of Cypora’s anger and insults during their first fight back in the mortal world, and started trying to turn around the institution of adventuring. But it was an institution, and Cypora knew that the corruption and greed ad the heart of it were too much for Alícha de Matos to dismantle, especially if she was doing so while still being an adventurer herself. It was frustrating, maddening, even. It had kept her up, the nights after each report. If the other girl hadn’t gotten into adventuring, they might have even wound up allies, friends.

But that wasn’t how it had worked out. Maybe in the future, maybe if they could get out of this battle.

#Cypora’s Guide to Cementing Your Rule As An Evil Queen

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