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spec: Are you someone who needs life insurance , but assumes you ca n't afford it ? Although Service concerned life insurance , not car insurance , we find persuasive the requirement that temporary insurance is not terminated without rejection of the application and notice to the insured . Invocations of macros without arguments look like global variable references . It finally took an hour on the phone to get a sensible response , but the revised invoice has not arrived , `` Wright added . Depending on classification , benefits include , but are not limited to , medical and dental coverage , vision care , health reimbursement accounts , flexible spending accounts , life insurance , paid time off , employment assistance program , tuition remission and more . In addition , for donors who wish to replace charitable gifts with life insurance , retirement plan assets are attractive because the donor need only replace 20 % of the value of the retirement plan . This requirement does not apply to agents holding a Limited Lines Credit , Title , or Mortgage license . Notice that , if this graph was undirected , the child would always separate the parents ; hence when converting a directed graph to an undirected graph , we must add links between '' unmarried `` parents who share a common child ( i.e ., '' moralize `` the graph ) to prevent us reading off incorrect independence statements . We provide a full range of benefits , including competitive salaries , paid time off , health , dental , disability , and life insurance , and the ability to contribute , via a payroll deduction , to both a 529 College Savings Plan and a 401k plan . With that in mind , the Ethics Committee organized a 90 - minute presentation to be included in this fall 's MBA orientation .