 How can I have a baby if I can't afford the $20,000 to pay for the pregnancy? |
My husband and I want to have our second baby.
I had insurance with the first, but I no longer work for the company that provided my health care. We have no health insurance now. Last ... |
|
 Will an unpaid emergency room bill keep me from being able to buy health insurance, OR hurt my credit rating? |
| I have an emergency room bill which I have not yet paid and I'm wondering if it will keep me from being able to buy a health insurance policy and if the unpaid bill hurts my credit rating. The ... |
|
 When buying life insurance what is the best affordable option? |
I am 37 with 2 kids I currently have term life on me for 250,000.00 and 100,000.00 on each of the kids.
Now there are tons of different life insurances out here is one really better than the ... |
|
 Can you take out life insurance policy on someone AFTER they've died?? |
| One of my best friends passed away in July, I just learened that her husband (who is VERY obsessed with money),took out a policy right AFTER she passed away & collected more than $500,000. He ... |
|
 I hit a basketball hoop with my truck, the guy says it's worth $450. What now? |
| I hit a basketball hoop in a back street with my commercial truck. The owner contacted me and says its worth $450. Should I go give him $450 or contact my insurance. I am an LLC if I pay him, he ... |
|
 I'll send you $100 if you can prove to me you're a good person? |
Take a test to see, if you pass the test I (on my honor) will send you $100.
Additional Details
1. Have you ever told a lie?
2. Have you ever stolen anything no matter the value?
... |
|
 Will this be covered in my home contents insurance? |
I have recently taken up contents insurance through Direct line.
A few days ago, I was taking my washing from the machine, and realised I had left my MP3 Player in my pocket.
I ... |
|
| Is there a way I can fight hospital bills? And will not paying my hospital bills affect my credit? |
| I have BlueCross Blueshield as a Health provider and i had a baby recently in a hospital that is in the network of my health provider but the doctor that performed anethsia on me and my newborns ... |
|
 Can't find my Birth certificate? |
I need it to collect some money so how can I get a new one?
And does it cost anything?
And will it take long will it take to get it or is it a case of walking in and walking out with it?
... |
|
 What's the reason for life insurance? Should a single person who is not married buy it? |
| What is the real reason for life insurance? if you are single should you buy it? What is it used for? Does it have a purpose in people's lives?Why do you have to pay for it each month for? Can ... |
|
 Why you would be better off buying a 20 year term life insurance policy at age 25......? |
| Why you would be better off buying a 20 year term life insurance policy at age 25 rather that buying a one-year renewable policy?... |
|
 Why do people who's unisured homes were damaged in the floods think they have the right to the same help as... |
those with insurance?
Isn't the whole point of home insurance to help you in incidents like these?
Additional Details
(I'm talking about the recent floods that hit ... |
|
 A dumptruck kicked up a rock and cracked my windshield. Can they be held responsible to pay for the repair? |
| I have the license number, and day and time of where it happened. it's the second time in 3 months this has happened and I don't think it's fair I should have to keep paying for this.... |
|
|  |
sanjoseskater | I want life insurance but they ask the question about smoking and I have had a few cigars this last 12 months. |
They want to know if I have smoked in the last 12 months. I have, but I am not a smoker. One cigar a month does not make me a smoker, why should I get labeled as one?
How should I answer this question? |
 |
 
mbrcatz
 |
You say, yes, I have an occasional cigar, about one a month.
Tell the truth. |
|
JOKC
|
Just admit that you have a cigar on occassion (i.e. anniversary, birth of child, etc...) if you make them believe by saying "occassionally" most of the good life insurance companies (i.e. Lincoln, Jefferson Pilot, AIG) will give you non-tobacco rates. As a matter of fact, even if you are a avid cigar smoker, Lincoln will give you non-tobacco rates. As long as you don't smoke cigarettes with them, you are good. |
|
aaron p
|
Prudential will give you non-smoker rates even if you test positive for nicotine as long as you declare that you only smoke cigars. As mentioned, Lincoln Financial, John Hancock, Genworth, and others will give non-smoker rates for "celebratory" smokers who can squirt a clean sample.
Long story short, you should work with an agent who actually knows something about life insurance. Good luck. |
|
ccartertn2002
|
If your life insurance company is going to give you a physical (including a blood test like mine did) then they "might" find nicotine and label you a smoker.
If it were me, I'd label myself a non-smoker and take my chances with the blood test, assuming you're telling the truth about 1 cigar a month. |
|
hirebookkeeper
 |
I worked for a life insurance agency. One cigar per year is considered a smoker. |
|
fluke
 |
Lie |
|
Makotto
|
It's always better to tell the truth. Insurance companies check with samples (blood, urine, etc), to see if the answers given on the applications are truthful.
If they find some answers that are not true, they will delay your policy isue, and you might be rated a little higher (which means that you will end up paying more anyways). |
|
Luke
|
Always be truthful on a life insurance application. There is a place on the application for comments. Say yes, and explain in the comments section. Most underwriters will issue your policy on a non-smoker rate depending on the company.
Hope that helps. But ALWAYS be truthful. Your family may regret it if you lie and croak with in 2 years. |
|
Juliet
|
If it's a yes or no question, say no. (They're talking about habitual smokers.)
If you have space to go into detail, provide the details you gave here. |
|
Chalie M
 |
If your over 50 AARP has life insurance with no questions asked. |
|
deep5223
|
You should be honest. Whether you want to admit it or not, you are considered a smoker. I once had a client who smoked one cigarette a day and qualified for the smoker rate. If you lie and you die during the first two years, they can deny the claim based on false information on the application. |
|
george a
|
http://www.cigaraficionado.com/Cigar/CA_Archives/CA_Show_Article/0,2322,695,00.html
Still lots of companies available |
|
ernesto_tig
 |
Honestly..answer the question honestly.
Most life insurers will require a blood or urine test and they will SEE if you have nicotine in your sample. If you say 1 cigar a month and you're positive for heavy nicotine they'll know you smoke more than you say, if it's negative they'll know your truthful.
How they deal with your situation will depend on the underwriting rules of the company. Some give preferred non-smoker rates for occasional cigars smokers others will automatically give you smoker rates. You agent should know the answer, if not a quick call to the underwriter will clear it up. Don't like the answer, find another life company; there are only a thousand or so in the US.
Either way, try not to smoke any cigars for two-three weeks before your pee test.
Now the flip side of not telling the truth: Cigars DO cause health problems, even for light smokers. You die because of this during the contestability period, you get no coverage. |
|
Tony BinEye
|
Oh, my god! You are uninsurable! You are doomed, doomed I say!
Just say you are a non-smoker, for Petes sake! |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
15 | 14 minutes(s) ago
| | | |
15 | 47 minutes(s) ago
| | | |
14 | 2 hour(s) ago
| | | |
15 | 5 hour(s) ago
| | | |
14 | 7 hour(s) ago
| | | |
16 | 8 hour(s) ago
| | | |
15 | 2 day(s) ago
| | | |
15 | 5 day(s) ago
| | | |
15 | 1 week(s) ago
| | | |
14 | 1 month(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
