 I will be 62 soon. Should I take Social Security now? |
I am supporting a disabled husband and our medical insurance premiums are $600. a month. His medicines ..even with the deductibles from ins.-cost us between $600-$800.-- a month
Additional D... |
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 Health Insurance Help? |
| What is the best company with a reasonable price to go with if you are an individual that is 23 years old and doesn't smoke and has no health problems? Per Week or Month?... |
|
 Medical insurance ? |
| If your insurance won't cover a major surgury and a relatives will can they give approval to use their insurance for you?... |
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 Looking to Buy a Aston Martin V8 vantage, 23 years old, where is the best place for insurance? |
| My boss is selling me his Aston Martin V8 Vantage, Been searching throughout the net for the best quote. There are a lot insurance companies declining me because of my age (23 years old) Where is the ... |
|
 Flood insurance? |
Will the poor people who have suffered Flood Damage have a problem with the Insurance Companies.
I ask this question because a Friend of mine had Gazebo
wrecked in recent storm.
I... |
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 How do I get out of paying flood insurance? It's killing me!? |
| I'm in a flood zone by maybe 20 feet. The neighbor across the street lives closer to the lake and he says he doesn't pay it. My home insurance is $1,200.00 a year and flood insurance is $1,8... |
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 Where do they offer Licensed Notary? |
| Can you get a Notary at Bank of America?... |
|
 What are your thoughts and feelings on the 80 million dollar bail out of an insurance company? |
| I read on yahoo today:"WASHINGTON – The Bush administration asked Congress on Saturday for the power to buy $700 billion in toxic assets clogging the financial system and threatening the ... |
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| Husband got laid off a few weeks ago. Our insurance ends at the end of this month. Need some advice!? |
| Are there any cheaper insurance companies out there? We need something to help cover perscriptions and doctors bills if we get sick. We have the option to COBRA our insurance but it will be like $950 ... |
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 I want to get life insurance but i dont know of any good names...? |
| I am married and have 2 kids .I am 33yrs. old and have high blood pressure .the Dr. said my kidenys are failing ....i am taking my meds.but just in case if someting happens i want my familyto be ... |
|
 Mortgage insurance -- is it worth it? |
| I have been getting solicitation to purchase mortgage insurance from a few companies in some ways related (but not affiliated) with my credit union I obtained my mortgage through. This particular one ... |
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 Will you buy the Life Insurance ? Why? How much? |
| Some people are concerning about Health Insurance more than Life Insurance and I don't know which one I should buy first.... |
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 How are insurance companies legal? |
| You pay premiums for insurance but the second you get into a wreck, what happened to all that money i had paid before? Why are my rates going higher, i thought that is why i am paying for insurance ... |
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 I need some legal advice about an insurance claim I submitted to my car insurance agent? |
I actually have two claims and wondered if I will get reimbursed.
1) $379,431.34 requested reimbursement for repairs to my truck cabin. The damage was caused by attacking fighter jets.
... |
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 Is your company liable for damages if customer didn't report issue until after 30 days? |
| Our company moved machines out of apartment on 1/24/2007 and the customer did not call until 2/27/2007 regarding the damages to the door. Is our company liable?... |
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My Alter Ego | How would a life insurance company know if you were a cigarette smoker? |
They would obviously want to charge you more if you smoked, so do they just take your word for it? |
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Unrelelnting Optimist
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they don't know for sure, but they usually will visit your home and if they see any evidence......... |
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Lori S
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They may require a blood test to verify if you have nicotine in your system. |
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timmtaw
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they don't know for sure but if you have to get treated for a condition related to smoking...that will be seen as a preexisting condition. It will also nullify your insurance application b/c you lied on it. |
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bud68
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Insurance physical exam. |
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hadley2120
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When the physical exam is performed on you to qualify for life insurance, they may take blood, urine, and/or saliva samples.
From the samples they may be able to determine if there is nicotine or continine in your system.
Nicotine may be removed from the system over a period of time, sometimes 10-30 days.
It is best to answer all questions honestly on your life insurance application, because there is a contestability period where they can contest paying your claim if you provided a material misrepresentation on your application.
Also, if you quit smoking, within 1-2 years you may qualify for a lower non-smoker rate from some companies.
Actually, you may be able to get a non-smoker rate on your policy now, then after you have quit smoking for a year or more go back to the insurer and ask for a re-rate. Or, ask the agent how long do you have to have quit smoking before you get a lower rate for your life insurance.
There are some insurance companies that do not require a medical exam or blood test. You can learn more about that at http://www.term-life-online.com
And, yes life insurance companies do charge you more if you smoke because smokers have a higher risk of lung and heart disease and chronic conditions that may lead to a shorter life expectancy than people who don't smoker.
Smokers may pay 2-3 times more for life insurance than non-smokers. |
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mbrcatz
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You'll be giving saliva samples, urine samples and blood samples - and giving them access to your medical records. Likely, it would show up in multiple places. |
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LAURA R
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Here http://www.InsuranceFreeTip.info/insurance-for-free.htm ,You should find more useful suggetions and tips for your question.Good Luck for you. |
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max's mom
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Your medical records will have that information in it and / or they can do a blood test that shows your CO2 levels. |
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Insurance Pickle.com
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They get samples of your blood and urine. Then if you die within two years of a heart attack after you told them you didn't smoke and they get your doctor's records they say you did they'll deny your claim (or your beneficiary's claim anyway). |
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