#TOTAL WAR PROS AND CONS FULL#
#TOTAL WAR PROS AND CONS FREE#

Guaranteed Issue life insurancepolicies are available to applicants 45 to 85 (50-75 in New York) in all states except Montana. Universal life policies are not available in New York. Universal life insurance policies come with flexible payment options and with a guaranteed interest rate of 2%.

#TOTAL WAR PROS AND CONS FREE#

You can also increase coverage after certain life events, up to a total of six times, with a free life event option rider.

#TOTAL WAR PROS AND CONS FULL#

You have the option to make payments for 20 years, until age 65 or for the full duration of the policy. Simplified whole life insurance policies are available for coverage limits up to $1 million. The option to convert your service membersвЂ™ group life insurance (SGLI) to a USAA term life policy if you leave the military.The option to convert to a permanent policy.An option to add $100,000 in coverage if you have a baby, get married or buy a house between the ages of 18 and 35.Guaranteed coverage after leaving the military.A $25,000 payment if you suffer a severe injury while on active duty, including paralysis, loss of vision or severe burns.Coverage while in war, which is often excluded from policies.Depending on the state, you may receive additional benefits, including: Term life insurance policies are available for lengths of 10, 15, 20, 25 or 30 years. Most policies require a health questionnaire and medical exam before approval. USAA offers both term and whole life policies. Option to add coverage after a major life event. Some policies include free perks, such as a $25,000 severe injury payment. Some policies not available in New York or Montana. Artillery missiles cannot be blocked with missile deflection.Fewer life insurance complaints to state regulators than expected for a company of its size.Unit missile deflection is in the front 120 degree arch, or 60 degrees to either side of center of the unit's forward facing.ДЄlso, large missiles fired from Artillery would smash a shield or saber to pieces.Missiles shot from the flank or rear of the arch will not be deflected. Units with missile deflection block a percentage (%) of missiles that would have otherwise wounded them. Some entities have missile deflection either because they wield shields or quick reflexes. Missile Deflection (Shields) and Flanking Missiles This loss of melee defenses is compounded by the enemy charge bonus. Troops are also more likely to hit more during the initial attacks of a charge against a flank or rear until the enemy entities turn to face the attackers. These troops surrounded by violent enemies are at greater risk of being wounded due to entity flanking and rear attacks. Trooper entities can also be imbedded in other units through ferocious charges and the havoc of melee. This can even cause the leadership losses described above. Single entities can be surrounded and thus take frontal, flanking and rear entity attacks from individual troop entities in the same unit.

Entities attacked from the rear received a -60% reduction in melee defense against these rear attacks.

Entities attacked from a flank receives a -30% reduction in melee defense against these flank attacks.

Entities attacked from the rear cannot see the attack and have few faculties to defend with relying more on their gut, sounds, glances and instincts. On the other hand, if the cavalry flank the bracing defenders, the cavalry retain their considerable charge bonus in addition to gaining flanking advantages.Д®ntities attacked from the side cannot see the attacks well and only have one arm to defend with.

A unit charging a defending unit with charge defense, that is braced (stopped) and facing the charge, will receive no charge bonus.ДЄ braced unit with charge defense can be devastating to cavalry who rely or their large charge advantage to secure good trades.

If the shock is great enough the unit may break and rout.ДЄ unit with charge defense such as spearmen or halberdiers must be stopped and facing the enemy charge to employ the charge defense bracing.

If a unit is attacked in the rear it receives -14 leadership.Д®xposed flanking, attacked in the flank and attacked in the rear are cumulative leadership debuff modifiers.ДЄ unit will suffer a sudden drop to its leadership level if charged in the flank or rear.

If a unit is attacked in either flank it receives -6 leadership.

If a unit's flank is exposed and flanking is eminent it receives -3 or -6 leadership.

If a units flanks are secured it receives +5 leadership.ДЄrrange infantry units in a line so that each covers the flank of the next.

A unit will take more casualties and its leadership level will suffer when attacked in the flank or the rear. Units fight most effectively against an enemy in front of them.

4 Missile Deflection (Shields) and Flanking Missiles.

Total war pros and cons