 My husband has a preexisting condition. Will a new insurance cover his expensis due to this condition or no? |
| Husband was diagnosed with Hepatitis C and resulting stage 4 liver disease two years ago. He wants to leave current job(insurance is currently Harvard Pilgrim)We are concerned that due to his serious ... |
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 If I lose my job and want medical coverage, am I able to get Medicaid? |
| What if I have assets in my name? Will that prevent me from getting coverage and if so, how much in assest would prevent me from getting the coverage?... |
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 I do carpentry and get scewed out of pay all the time by contractors. how can i get them to pay ? |
| don't tell me to sue them in small claims, or do a carpenters lein. i want to know how to screww up their business like they have screwed up my life.... |
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 Do you have 4 or more years no claims ? |
| do you know that you could get even cheaper car insurance ?... |
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 TRYING TO FIND HOME INSURANCE WHICH ARE THE BEST COMPANYS ? |
| i was looking at Met Life, Allstate, State Farm, and Farmers any suggestions on companys?... |
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 DISABILITY INSURANCE.....Who Has Been On Disability, and How Do You Sign Up For It? |
| I am going to have surgery in a couple of weeks, and will not be able to work for about a 2 months. Is disability insurance a part of your health insurance?? If it is not work related, and I will ... |
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 Someone got hurt (nearly died) on my property...now what? |
| I bought a very old mobile home from this guy to use as a building for my wife's hobbies. The guy I bought it from moved it to my property for me righ next to my house. I wanted to get the ... |
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 Health Insurance? |
| Ok im 20 yrs old...I have really bad asthma and allergies. When I turned 18 I lost my health insurance because I was on my mom's. But now I can go to the doctors to get my inhailer filled....... |
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 My husband lost his wallet?? |
| It had his social security card and driver's license in it. In order to get a replacement social security card, you have to have ID...his driver's license was the only ID he had. In order ... |
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 Why do women get lower Auto insurance rates? |
| Why do women get lower auto insurance rates I am a 23y/o male and pay the same rate as a 20 y/o female and I have a clean record. I found that it is roughly 15-20% for the opposite sex, and even ... |
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 How much does Health Insurance cost? |
| Say your a 25 year old female and need health insurance how much would that cost a month..and also..do most jobs come with health ... |
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 How does my insurance compay check my driving history? |
What process do they use to check my driving record? Is it via my DL #, SSN? I just dont know this.
Additional Details
so what happens if i have a speeding ticket but get a new license ... |
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| Can i get my parents Life Insurance? |
Were can i get life Insurance for my parents?
Im gonna be a Lawyer and they get good money.
Also i want my parents to leave me money when they pass away.
Im gonna be happy with money.<... |
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 How much auto insurance coverage do I really need? |
We currently have BI 50/100, 50 prop damage and 50/100 uninsured. Here are the details
- 2003 Cadillac Escalade EXT
- Married couple: Wife 27 & Husband 23
- No major tickets in the ... |
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 Term Insurance vs Whole Life Insurance? |
1. What is the difference between a term insurance and whole life insurance policy? Which policy is suitable for what kind of people?
2. What are the "exclusions" for term ... |
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krismcd3 | Can my husband receive the full 25g for a life insurance policy his departed father took out 10 years ago? |
My husbands father died 3 years ago. His step mother just called yesterday to inform him that she found a life insurance policy from prudential that his dad took out 10 years ago. My husband is listed as the beneficiary. The policy is for 25 thousand. We called Prudential. They are sending forms for My husband to fill out. What do you think????? |
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hawaiian228
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OK, here is the thing, even though the time has lapsed, that should not matter. As long as his father kept payments current up to the time of his death your husband should be able to collect the money that is owed to him. The only way that they might not pay out to him is if they have their own policy that states you have so long to collect the money. Normally dealing with an insurance carrier that should not be a problem, but you never know with certain carriers. The other thing is it depends on what kind of policy he has, yes life insurance is life insurance right? WRONG! Depending on the type of policy the father had, makes another difference. There are many types of policies out there that have different agreements so all you can do is sit back fill in the paper work and wait to see what happens. 98% says that the money is his! Now once you get the money please do think about investing it for both of your retirement. I would suggest Mutual Funds. Any questions please feel free to ask. |
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Chris S
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I am not 100% about this, but I don't think there is any statute of limitations on claiming life insurance. I honestly know nothing of that line of work, but my father and mother died, so I had to do some research when filing for life insurance. Seems like I remember reading that somewhere. |
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Financial JUSTICE
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Life insurance with cash value don't pay out cash value when you die! They say its a good way to build savings! How is that so if you lose it all and it doesn't go to anyone when you die? People say you can borrow it. Why do I want to borrow my own money that I paid for? Cash value = scams! |
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J. B
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Prudential policies are a mixed bag. I have seen some that started out as $500 policies and grew through reinvested dividends to over $10,000.
I have seen others that started at $10,000 and shrank from using the cash value to automatically make the payment and finally lapsed.
Prudential used to be a Mutual Company and paid a pretty consistant dividend. The only problem was that many agents led the policy holders to believe they had "paid up" policies when really the dividend was making the payment and any shortage was eating away at the cash value and eventually the death benefit.
Just call them and see what you have. |
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FromTheTop
 |
DITTO MBRCatz |
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MissV
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Prudential doesn't play around. If the policy had lapsed they would not be sending what appears to be the necessary forms for your husband to make a claim. The beneficiary has the right to use all of the proceeds in whatever manner they choose. If there are bills from the estate of the deceased, it doesn't matter, although it would be a nice gesture, since the step mother could have just thrown the policy away and your husband would not have known. |
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mbrcatz
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If the policy was in force at the time of death, then they should pay out. If he had borrowed against it, they would subtract any unrepaid loan amount from the face value. |
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