updating xp sp2 to sp3 - Backdating life insurance
Term insurance has no buildup of cash value as some other types of insurance allow.
(There are some term life insurance policies that offer a return of premium; be sure you understand the policy you are buying.) Term life insurance is for people who don't need life insurance for an indefinite period of time.
To be valid a referral must be: Referrals from a GP to a specialist last for 12 months unless otherwise specified.
If the specialist on-refers to another specialist, the specialist referral is only valid for three months.
Further, backdating referrals can result in Medicare declining to pay Medicare benefits or requiring repayment of benefits if they have been paid incorrectly.