 I am in a relationship and the man says that he cannot divorce his wife because she will loose her medical ins |
She has diabetes and had cancer. He says that no one will give her insurance because of her medical history. Is this true? Are there alternatives? What are other options?
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Wouldn't this solve the health care crisis?
Additional Details
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tampabay5400 | High Risk life insurance? |
My mother is about too be 50years old, just got done treatment for breast cancer, had a heart attack in 2002, and smokes. She has 10,00 worth of life insurance through her job but because she is my only parent and I have no other family I am interested in other insurance options, does anyone have any tips or companies that offer life insurance too someone with her history at a decent price? |
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mbrcatz
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Does "decent price" mean getting good odds on whether or not she's going to die? You're not going to get it. High Risk doesn't begin to describe your mother. Expect to pay at LEAST 50% of face value per year for a policy. It's more realistic to pay 100% of face value for a paid up life policy. That's what high risk means - really high premiums.
The odds are ALWAYS going to be in the favor of the insurance company. And her odds are NOT looking good, I'm sorry to say. So she's going to pay close to face value. It's probably going to be more cost effective to just write you the check. |
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Lena R
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Most Insurance companys will not issue a policy because of her health history. There are good companys that will for example W&Slife has an accessible life policy that will take her but the premium will be pretty high. You might want to consider getting a critical illness policy on yourself incase you have ay problems with your health in the future and need help with medical bills. |
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insuranceguytx
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Find out from her employer if her $10,000 policy is PORTABLE and CONVERTIBLE. If your mother should have to quit work while she is still alive, that employer-provided policy may disappear. Best to find out now.
Then work with a local licensed agent to get any further coverage that you want and can afford. It will be expensive.
Situations like your mother's are the reasons to plan ahead.
Good Luck. |
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Barry auh2o
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How recently is "just got done"? if less than 5 years, good luck.
Have you spoken to an agent? |
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Zarnev
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You'll want to visit a local independent agent to find out what is available in your area. Most companies will decline for the heart attack or the cancer and since she's had both that'll make it even harder to get a policy. There are some guaranteed issue policies available but they won't be cheap. A 20 year term in my state would run her $110 per month for a $100,000 policy and a $50,000 whole life policy would run $96 per month. You will have to wait for 5 years after the cancer treatment though. |
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MD Mando
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i highly doubt that she will be insurable.Considering her medical history. If there is a company that accepts her,you can count on paying extremely high premiums. Here are some examples for a 50 year old smoker with no medical history. These examples are based on $200,000 coverage.
10 yr. term $152.29/mo
15yr. term$236.27/mo
20yr. term $271.99/mo
depending on her needs she may not need insurance.
if she did the right thing with her money, she should of built her assets to the point where she can enjoy life and live comfortably. Right?
MD Mando
Money Specialist |
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reymop
 |
western southern financial group has a subsidiary that should be able to help. I'm not sure what the cost is but I know they offer insurance for this situation. |
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aaron p
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Right now "decent price" doesn't sound likely, but here are some easy ways to make sure that it is more likely in the future:
1. Quit smoking (for normal people, they just pay extra. with cardiac history, this will be an automatic decline from most companies.)
2. Follow-up with her cardiologist at least annually. (She will need PROOF from a qualified doctor that she hasn't gotten any worse and has a good lifestyle, not just her word.)
3. Wait at least 12 months from the date of last treatment for her cancer (possibly longer depending on stage and treatment.) |
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