DEFINITION of 'Dread Disease Rider'. A special addition to a life insurance policy that gives a percentage of the death benefit to the policy holder if he or she is diagnosed with a serious disease, such as cancer or heart disease. Disease Management Program.
1 Four years of experience is required. 2  Please note that the Arizona Business Management exam i s also required to be passed to obtain your contractorâs license. 3  Workers compensation insurance is required if you employ at least 1 person.o apply, contact the Arizona Registrar of Contractors at 1-602-542-1525. Licenses are good for 2 years. Licenses are generally granted within 40-60 days. 1  Commercial Contractor application fee is $890. 2  Residential Contractor application fee is $445. 3  Dual License Contractor application fee is $1,105.
When applying for a contractor's license, you may have to: 1  Take a written exam about construction skills and the laws pertaining to construction and business. 2  Prove you have the financial means to operate your own business.3  Provide reference letters from your bank, previous employer and customers, engineers or architects.ach state has over 40 different contractor classifications, so you'll have to decide what kind of contractor you want to be. Classifications include General Engineering Contractor, General Building Contractor and Specialty Contractors. Specialty contractors include: 1  Insulation and acoustical. 2  Electrical.