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I'm currently trying to save for retirement and sales people are always trying to push annuities. Why is that?
Pros vs. C... |
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 If I opt for ind. provider of healthcare ins. rather than employee plan, will they have to pick up my wife? |
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 Advisors for health insurance...? |
| I was wondering - are there people out there who will help you find the best HEALTH insurance plan like car insurance brokers do? I work for a small start up company with no HR department and I just ... |
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| hello. im looking to have rhinoplasty done. some say that i may have my insurance cover it and some say no. what are some cases that it is covered? thanks ... |
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| my place of work just change our insurance to a PPO...what is that..is it like an HMO?...god i hope not...... |
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 What is a good individual health insurance? |
| Mine sucks and I work for a hospital! I'm looking for reasonably priced, low copays and deductibles, and great medical care. Please list details. I'm probably not going to find such a fairy ... |
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debbie2243 | Can I get life insurance on my grown son? Without his knowledge? |
He is going to have open heart surgery. I know anything can happen. He has no burial policy. Is it tacky to get an insurance policy on him for this reason? I love my son dearly and he is not married. |
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Ann T
 |
1) He is an adult - he has to sign the papers to get insurance.
2) there are policies in which he can possibly get - such as Col.Pen - you may have seen their ads on TV. These are known as MECS - you usually pay out more then the face value of the policy, and they do not meet the 7 Guidelines for insurance under the IRS code - but he would still need to apply himself.
3) if you tried to get him insured knowing that he is going to have major surgery - that could be considered tacky, and fraud. The IRS and the Insurance companies frown on Fraud. They usually proscute for that.
4) After he has the surgery - and he has a clean bill of heath for 3 to 5 years, he maybe able to get a term policy - a whole life policy is possible to, but maybe expensive depending on his age.
5) for other parents who have children, it is a good idea to get a whole life policy, or a jumping juvenile type policy that insures that your children are insured when they reach adult age - there are many reasons that underwriters will deny adults insurance - bad heart, overwieght, diabetes. By insuring your kids before they reach 13 or so, insures that they will be able to be insured.
Banker's, NY Life - MetLife, they all have great policies that don't cost an arm and a leg.
6) I am a licensed health and life agent in my state |
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Jen
 |
You can’t get one for him, when he is an adult. Even if you tried, it’s going to be impossible or have extremely unaffordable premium due to his heart problems. |
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glamour04111
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not without him signing the policy |
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kittyrogers
 |
His heart problems will prohibit this kind of insurance, and even if you could find a policy at this point, the premiums would be astronomical. |
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mbrcatz
 |
Nope, you can't get it without his knowledge. And if you're only looking for enough to bury him, a guy that needs open heart surgery is going to pay BIG BIG BIG bucks for a policy - most likely more than the cost to bury him.
But he needs to sign consent, give access to all his medical records, and submit to various testing. |
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