liberty refund selection portal

There are two methods to e-file your case through PeachCourt Portal, please If you selected method# 2 to file by using the Clerk's Office PAT proceed. Login to the e-filing website. Click on the option 'View Returns/Forms'. From the dropdown menu, select income tax returns and assessment year. Once this is. Select Direct Deposit on your tax form (or select the direct deposit option if filing online) to receive your refund on your Netspend Prepaid Card when. liberty refund selection portal

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Liberty refund selection portal -

Liberty University" 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">
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BankMobile Official Page   <div><div><div><p>Liberty Mutual is not one of our top-rated life insurance companies. You can review our list of the best life insurance companies for what we think are better options.</p></div><h3> Pros Explained </h3><ul><li><strong>Get quotes for up to $10 million in term life coverage online: </strong>Through Liberty Mutual’s website, you can get quotes for up to $10 million in term coverage with a 30-year term. </li><li><strong>Simplified coverage available: </strong>Not all of the plans sold through Liberty Mutual’s website require medical exams. Depending on your desired coverage, you may qualify for simplified underwriting and skip the exam. </li></ul><h3> Cons Explained </h3><ul><li><strong>Online quotes not available for all insurance options:</strong> Only term life coverage is available for online quotes, and there are limits on coverage amounts and term length. If you’re interested in higher coverage amounts, longer terms, or whole life coverage, you’ll have to contact an agent. </li><li><strong>No guaranteed issue policies: </strong>Many companies offer guaranteed issue policies where you can’t get denied because of your health history. However, Liberty Mutual and Protective Life don’t sell guaranteed issue policies. All of their policies require medical exams or health questionnaires.  </li><li><strong>Surrender charges may apply if you cancel your policy: </strong>If you cancel your whole life policy, you may have to pay a surrender charge.  </li></ul><h3> Available Plans </h3><p> Through the Liberty Mutual website or insurance agents, you can purchase term or whole life coverage. The company offers both simplified policies and policies with full underwriting.  </p><h4> Term Life  </h4><p> Term life insurance is a popular choice for families who want to protect their loved ones. It’s a form of temporary coverage that lasts for a specified term. If you pass away during the covered policy term, your beneficiaries will receive a lump sum payout of the plan’s death benefit. Once the term expires, your beneficiaries don’t receive a benefit.  </p><ul><li><strong>Protective Series Passport Simplified Issue: </strong>With the Series Passport Simplified Issue policy, you can get up to $250,000 in coverage without a medical exam. You can select a term of 10, 15, 20, or 30 years. </li><li><strong>Protective Classic Choice Term: </strong>With Classic Choice term, you can select a term of 10, 15, 20, 25, 30, 35, or 40 years. Policies are available with death benefits of $10 million or more with full underwriting. </li></ul><h4> Whole Life  </h4><p> For those who want the peace of mind of permanent coverage, whole life insurance can be a good choice. Unlike term life policies, whole life plans last for your lifetime and can accumulate cash value over time.  </p><p> Liberty Mutual and Protective Life have two whole life options:  </p><ul><li><strong>Protective Non-Participating Whole Life: </strong>With this policy, you can get a level death benefit with all premiums and benefits guaranteed. </li><li><strong>Protective Series Whole Life Simplified Issue: </strong>If you opt for the Protective Series Whole Life Simplified Issue policy, you can get up to $250,000 in coverage without undergoing a medical exam. </li></ul><h3> Available Riders </h3><p> When shopping for life insurance through Liberty Mutual, you have the option of adding insurance riders—also known as endorsements—to your policy. Riders allow you to customize your policy, access benefits early under certain circumstances, or get coverage for other people.  </p><p> Liberty Mutual and Protective Life offer the following riders and benefits:  </p><h4> Accidental Death </h4><p> If you add the accidental death rider to your policy and die as a result of a covered accident, your beneficiaries will receive an additional death benefit.  </p><h4> Children’s Term Life </h4><p> By adding the children’s term rider to your policy, you can get term life insurance for your children.  </p><h4> Guaranteed Insurability </h4><p> The guaranteed insurability rider allows you to increase the face amount of your policy in the future without undergoing additional health exams.  </p><h3> Customer Service </h3><p> Liberty Mutual life insurance policies are sold through insurance agents. You must contact an agent to apply for coverage and set up your medical exam, if required. You can fill out the Contact Agent form to find an agent near you. Or, you can call 800-699-6459.  </p><p> Liberty Mutual and Protective Life do have an online portal for policyholders. When you log in, you can make payments, change beneficiaries, or begin the claims process.  </p><h3> Complaint Index </h3><p> The complaint index is a tool you can use to compare insurance companies. The National Association of Insurance Commissioners (NAIC) releases complaint ratios each year, a number that reflects how many consumer complaints a company received relative to its share of the insurance market.  </p><p> The average complaint ratio is 1.0. Companies with ratios above 1.0 received more complaints than expected, while companies with ratios under 1.0 received fewer complaints.  </p><p> For 2020, Liberty Mutual’s complaint ratio was 1.82, higher than the national complaint index. However, the company’s complaint ratio doesn’t include its individual life insurance business since that segment was sold to Protective Life Corporation.  </p><p> Since Protective Life Corporation is now the issuer of Liberty Mutual’s individual life insurance products, we looked at its complaint ratios. In 2020, Protective Life’s complaint ratio was 0.79, better than the national complaint index.</p><div> Note<div><p>From 2018 through 2020, Protective Life Corporation has had better-than-average complaint ratios, receiving relatively few complaints considering its share of the market.</p></div></div><h3> Third-Party Ratings </h3><p> Liberty Mutual is not included in the 2020 J.D. Power Individual Life Insurance Study that evaluated 24 top life insurers on pricing, products, and customer service. However, Liberty Mutual’s parent company, Protective Life, was ranked 13th in the study, with a rating slightly below the industry average.</p><p> Liberty Mutual is regarded as a strong insurance company. AM Best, a credit rating agency that evaluates companies and issues its opinions on their financial strength, gave Liberty Mutual an A (Excellent) Financial Strength Rating.</p><p> Protective Life has an A+ (Superior) rating from AM Best, signaling the organization’s confidence that Protective Life can meet its policy obligations.</p><h3> Cancellation Policy </h3><p> As with other insurance companies, Liberty Mutual and protective Life have a 10-day free look period. You can use the free look period to review your policy documents and contracts and cancel your policy for a full refund.  </p><p> However, cancellation procedures once the free look period expires vary based on your policy type. Term life policies can be canceled at any time, but you won’t get a refund of the premiums you paid. With whole life coverage, there may be a surrender charge.  </p><p> To cancel your policy, contact your insurance agent.  </p><h3> Price </h3><p> According to the J.D. Power 2020 U.S. Individual Life Insurance Study, Liberty Mutual and Protective Life’s policies are about average in price. While you can get a quote online, Protective Life only allows you to get quotes for Protective Series Passport Term Life. For all other policies, you must contact an agent.  </p><p> Below are quotes for individuals in excellent health for $500,000 in term coverage. </p><figure><div><table><thead><tr><th><b>25-Year-Old Woman</b></th><th><b>25-Year-Old Man</b></th></tr></thead><tbody><tr><td>10 Years</td><td>$16.65</td><td>$20.70</td></tr><tr><td>15 Years</td><td>$18.00</td><td>$22.50</td></tr><tr><td>20 Years</td><td>$20.70</td><td>$25.20</td></tr><tr><td>30 Years</td><td>$27.45</td><td>$33.30</td></tr></tbody></table></div></figure><p> As with other companies, Liberty Mutual and Protective Life require you to select “male” or “female” when getting quotes or submitting an application. If you identify as nonbinary, you are still eligible for life insurance, but you should be aware that companies have not yet updated their procedures to reflect a current understanding of gender issues.  </p><h3> Competition </h3><p> Liberty Mutual’s term and whole life policies offer high coverage amounts and simplified issue options, but how does the company stack up to Mutual of Omaha, a top-rated insurance company?  </p><p> With Mutual of Omaha, you can purchase insurance over the phone or through an agent. However, you can also purchase some policies online, making it quicker and more convenient than Liberty Mutual. Mutual of Omaha also offers guaranteed issue whole life policies, so eligible consumers can get up to $25,000 of coverage without answering health questions or going through a medical exam.  </p><p> Mutual of Omaha is widely regarded as a top life insurance company. In the J.D. Power 2020 U.S. Life Insurance Study, the company was ranked fifth out of 24 insurance companies.</p><figure><div><table><thead><tr><th><b>Liberty Mutual/Protective Life</b></th><th><b>Mutual of Omaha</b></th></tr></thead><tbody><tr><td>Market Share</td><td>Not applicable</td><td>17th in the U.S., 1.4%</td></tr><tr><td>Number of Plans</td><td>4</td><td>11</td></tr><tr><td>Dividends for 2020</td><td>Not applicable</td><td>Not applicable</td></tr><tr><td>Wellness Program Discounts/Quit Smoking Incentives</td><td>Not applicable</td><td>Not applicable</td></tr><tr><td>Service Method</td><td>Agent</td><td>Online, phone, agent</td></tr><tr><td>AM Best Rating</td><td>A (Excellent)</td><td>A+ (Superior)</td></tr><tr><td>Price Rank</td><td>About Average</td><td>About Average</td></tr><tr><td>Complaints Trend</td><td>0.79 (Protective Life)</td><td>0.65</td></tr></tbody></table></div></figure><div> Final Verdict<div><p>While Liberty Mutual is a well-known insurance company, it no longer sells individual life insurance itself. Instead, it sold that portion of its business to Protective Life Corporation; all life insurance policies are issued by Protective Life. </p><p>The company offers simplified and fully underwritten term and whole life policies with high coverage amounts. However, you need to work with an agent to get quotes and apply. And, guaranteed issue policies aren’t available. </p><p>If you’re looking to purchase insurance on your own online or want to get coverage without answering questions about your health, you’ll have to go through another company.</p></div></div><h3> How We Review Life Insurance Companies </h3><p> Our reviews of life insurance companies are based on a quantitative approach that analyzes each insurer on their stability and reliability, customer service, claims experience, diversity of product lines, and cost. We compare the terms of each type of policy offered—including available coverage amounts, optional riders, and premium payment options—with those of other major life insurance companies. Lastly, we look at how the company is rated by third-party organizations to determine its reliability and overall reputation.  </p><div><p> Investopedia requires writers to use primary sources to support their work. These include white papers, government data, original reporting, and interviews with industry experts. We also reference original research from other reputable publishers where appropriate. You can learn more about the standards we follow in producing accurate, unbiased content in our editorial policy .</p></div></div>Источник: https://www.investopedia.com/liberty-mutual-life-insurance-review-5115989</div>  ID & Campus Services  <div><h2>Delivery and Returns</h2><div><div><div><p>⚠ Due to high order volumes, deliveries may take longer than usual</p></div><div><div><p> We endeavour to deliver in 5 working days, order by 2pm. This excludes weekends and UK bank holidays.<br><br>Delivery is FREE for orders over £45; deducted in checkout. </p><div><p>⚠ Due to high order volumes, deliveries may take longer than usual</p></div></div><div><p> Selected UK postcodes only. Order by 2pm Monday–Thursday<br><br> (Orders are delivered Monday to Friday only. Please select Saturday delivery service if you require delivery on Saturday.<br><br> If you have any queries regarding UK Next Working Day delivery, please contact Customer Services on +44 (0)20 3893 3062. </p></div><div><p> Selected UK postcodes only. Please make sure you place liberty refund selection portal order before 2pm on Friday to qualify and select the Saturday delivery option at the checkout.<br><br> If you have any queries regarding Saturday delivery, please contact Customer Services on +44 (0)20 3893 3062. </p></div><div><p> Collect from a delivery point near you. 5 working days (order by 2pm). </p><h4>HubBox Collection Points</h4><p> HubBox is a convenient collection service for Liberty customers. It can be used in conjunction with any other UK domestic delivery service. Orders placed will be delivered by our couriers to the HubBox convenient location that you have selected.<br><br> For more details of their service, please visit https://www.hub-box.com/<br><br> You will have 7 days from the date of delivery to collect your order from your selected HubBox collection point.<br><br> To collect your order, you will need to show your HubBox email with your Collection Code, or produce a form of photo ID or a bank card.<br><br> If you fail to collect your order from your selected HubBox collection point, we will need to cancel your order and may deduct the original delivery fees and any costs we incur in collecting the order from the refund.<br><br> To return any items to Liberty, please follow the instructions in your order or visit the Returns section on our website for more information. </p><div><p>⚠ Due to high order volumes, deliveries may take longer than usual</p></div></div><div><p> Collect from a delivery point near you - 1 working day (order by 2pm).<br><br> For more details of their service and the terms that will apply to your collection, please visit https://www.hub-box.com/ </p></div><div><p> Click & Collect is a free delivery-to-store service. Orders will be ready for collection from the Customer Collections desk on the third floor of our Regent Street store.<br><br> Orders will be available for collection within 5 working days (order by 4pm). This excludes <i>liberty refund selection portal</i> and UK bank holidays.<br><br> Please see our Terms and Conditions for more information.<br><br> If you have any queries regarding Click & Collect please contact Customer Services on +44 (0)20 <a href=downtown san jose protest 3062.

⚠ Due to high order volumes, deliveries may take longer than usual

Christmas delivery cut offs
  • UK Standard Delivery - 20 December 2021
  • UK Standard Hubbox Collect - 20 December 2021
  • Click & Collect at the Liberty Store - 20 December 2021
  • UK Express Delivery – 22 December 2021
  • UK Express Hubbox Collect – 22 December 2021

We endeavour to deliver UK orders within the time frames stated above. However, the time frames are estimates only. Due to the nature of our products, seasonal increases in demand and factors beyond our control, there may occasionally be longer delivery times. We will aim to inform you of any significant delay to avoid disappointment.

From time to time Liberty will offer free delivery promotions. Promotions are only available at the time of purchase, based on the terms and conditions of the particular promotion.

You can track and view online orders via your account page. Go to my account.

Liberty is committed to reducing its impact on the environment. At LibertyLondon.com, we’ve made arrangements to ensure that the majority of deliveries are carbon neutral; offsetting emissions through initiatives such as electric vans and climate protection projects.

We have also reduced the non-recyclable components of our home and Click & Collect delivery packaging, and are dedicated to continuing this reduction across the board. We recognise this is just the start of our mission, as we strive to reduce our footprint even further.

To find our more about our recyclable and biodegradable packaging click here

⚠ Due to high order volumes, deliveries may take longer than usual

Channel Islands: Up to 3 working days
Isle of Man: Up to 11 working days

⚠ Due to high order volumes, deliveries may take longer than usual

5 - 6 Working days (order by 4pm).

Country specific delivery times during checkout

⚠ Due to high order volumes, deliveries may take longer than usual

Up to 3 working days (order by 4pm)

Country specific delivery times during checkout

4 to 5 working days (order by 4pm).

Free delivery on all orders over $70

Up to 5 working days (order by 4pm) 45 AUD

4 - 5 working days (order by 4pm)

UAE, Saudi Arabia, Oman, Qatar, Kuwait, Bahrain

Up to 4 working days (order by 4pm).

9 working days (order by 4pm)

Specific delivery prices during checkout.

⚠ Due to high order volumes, deliveries may take longer than usual

Источник: https://www.libertylondon.com/uk/information/delivery-and-returns.html