 How do I find health insurance if I have been told we are uninsurable? |
| I am asking this question for my m-in-law. Retired early, had extensive back surgery, f-in-law has diabetes and possible heart issues. Going to be coming off of COBRA in California, and are looking ... |
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 Auto accident, other driver at fault? |
| Was in an accident where the other driver ran a stop sign and hit me. He admitted it was his fault and my insurance is assigning 100% liability to him. I drive an older car that I bought used and ... |
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 Getting sued because of a car accident? |
| my dad got into a car accident a few months back. now the guy he collided with is suing him for 30,000 dollars. if he loses the case(even though my dad's innocent), who will have to pay the 30,00... |
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 Is there any Life Insurance Policy which covers general diseases? |
| There are so many Life Insurance policies which covers hi-fi diseases but I didn't find any such policy which covers general illness like bronchal asthma, root canalling, arthritis, pneumonia ... |
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 House Insurance - please help? |
| A friend of mine took out a home insurance policy last year (sep-06). His tank in the airing cupboard has now burst and his house is flooded. He contacted his insurance company and they informed ... |
|
 If my neighbor's house catches fire because of a wood stove, and they don't have coverage for that, and it cau |
ses my house to catch fire, what pays for my house repairs?
Additional Details
I have fire insurance. If my neighbor has a wood stove, I wonder if the insurance company can raise the ... |
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 My father has life insurance that will pay off the house if he passes? |
| is that only if he passes acciedently ( like in a car crash or something) or is that also goes for if he passes cuz he got old or sick?... |
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 Is Chevron liable if a person is injured at a chevron gas station? |
| My Mom was hurt pretty bad at a local chevron gas station.When I contacted the chevron co. they told me that because it was a franchise only that owner would be responsible.But I think thats BS,C... |
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 Does an insurance company bear any responsibility to remove a giant dead tree BEFORE it kills somebody my yard |
| A huge old willow tree has a rotten core and will collapse soon. Its sister tree collapsed a few years ago. If the tree kills someone or damages the house, my insurance company will likely pay ... |
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 Can you lose your house if you have no homeowners insurance? |
| My baby-mamma's insurance was cancelled & she has not made the effort to get a new policy for almost a year. Can the mortgage company take her house?... |
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 Life Insurance Question? |
What are the statistics of how many people have life insurance, and die at an early age?
I want to know out of the 250 million people in the US, how many people die unexpectatly, not of ... |
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 Is 200 dollars too much for 500k life insurance? |
I get this in my email box and was wondering if the quote there was right
<a href="http://dealsaway.com/ads target="_blank">URGENT!
Life ... |
|
 I am working in pakistan,how can i get job in usa ? |
Bechlor of commerse having sound knowdgle in the capicty of Textile field,Mechandiser
Additional Details
Working here in Pakistan as manager Merchendiser in textile field,having sound ... |
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 Are proceeds of Life Insurance tax free? |
| I have a term life insurance policy with my spouse as the sole beneficiary. I wanted to know if she were to collect on that policy, are there any taxes due on the face value or would she be entitled ... |
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bristlenek | Can i buy life insurance after heart surgery? |
I bought 30yr term @ age 40,am now 47. 4yrs ago i had a heart bypass. In 5 yrs my premiums will be out of reach.Any thoughts? |
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Deliah
|
Probably not unless the premiums are astronomical |
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aaron p
 |
There are a few companies out there who will accept the risk of heart disease before age 65, but the list is very short. 4 years of good cardiac follow-ups is not a lot of information to go on, however, at your age.
You should work with an independent agent who has experience handling difficult cases like yours. Expect them to ask intelligent questions such as why you needed the bypass and how it was discovered. Final offers will vary if they discovered the blockage because of chest pain or because of a routine stress EKG, for instance.
Good luck. |
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LifeInsuranceAgent
 |
Find out what the "conversion privilege" is for the existing policy. You can convert to permanent insurance based on the health rate class you qualified for when you bought the original policy.
As far as underwriting for a new policy is concerned, coverage may be available depending on the number of vessels involved, current health, other health issues, etc..
Heart surgery before age 50 is hard and the companies that will be available will charge you a lot...if you look at "standard" rates, your best case will probably be double or triple the standard rates to get your rates, maybe worse/better.
You want to shop out on an informal basis with an agent that understands specialty risk. This allows you to cover multiple companies before having to fill out paperwork at multiple companies. |
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plank
|
Speak to an Independent Financial Adviser. They can scan the whole market and get you the most competitive rate. As long as you've had a clean bill of health after the operation and continue to live a healthy life-style then you SHOULD be able to obtain cover. The premiums will almost certainly be loaded. The Insurance Companies will almost certainly contact your GP and you may have to have an independent health examination. |
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imsety
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Term Insurance is a gamble especially with a bad heart condition, you may not be able to get insurance(life insurance). |
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mbrcatz
|
Well, sure you can - but you're not necessarily going to get very good ODDS. In other words, the premiums are likely to be even higher than just renewing your current term policy.
Anyone can buy life insurance. But sometimes, it costs the same as it pays out. I don't think that's what you are looking for. |
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REM
 |
Sure you can.It will cost more but everything is possible.My wife is an State Farm Agent. |
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Chuck P
 |
Yes, there are companies out there that don't require physicals and the premiums won't go up for pre existing conditions. I can't think of the name right now but Robert Wagner, the actor does the commercials for them. It may be Franklin Life insurance. Check with AARP they also have some good contacts.Good luck |
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