 Hey please help me!!!! ImPOrtanttt? |
Hey please help me!!!! just lost this contract phone!!?
Okay this is my new second contract phone and its only been 2 months that I've been using it. This phone is in my mum's account ... |
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 Will an Insurance Carrier cover Makeup? ? |
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 I paid nearly £2000 for my car insurance last year. why dont i get any of that money back at the end of year ? |
why dont i get some of it back did i only pay that £2000 for a few sheets of paper and an envelope ?
Additional Details
i didnt have any accident or make any claim should i be getting ... |
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| My grandmother has some health issues and no life insurance. My uncle and mother have made poor financial decisions with their lives and I know that when the time comes, there will not be adequate ... |
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 Life insurance: denied for too much coverage?? |
| I wanted to buy $50k policy on my 78 y/o mother for final expenses and debts. My insurance guy said that his company (Prudential) may denied the application, not because of her health but because:<... |
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| why do insurance rates go up if you do not have continuous coverage over the last 3 years yet you have no accidents or ... |
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| An insurance company send me a letter saying that if i dont pay the damages to another car that i crashed they will take me to court, that i have to pay for the court and the judge plus interest for ... |
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mattysmom | Is it a good idea to buy those insurance policies that pay off the mortgage upon your death? |
My house is under Mom's name she is 65 and she insists I purchase Ins at $20/mo that will pay mtg off at varying %s- if she dies at 60-65 it's 100%, 66-74- 50%, 75+ 25%. It also excludes, bacterial infections, nosocomial infections (pretty smart, if you ask me)inhalation even accidentally of any fumes, air or travel related accidents. She'd pretty much have to die in bed in her sleep. |
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MoniqueLise
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I'd have to agree with the others who have answered: the policy you are considering is a bad deal.
Term life insurance would likely be a better idea, depending on whether your mother is in good health or not. It also depends on how much is left to pay off on the mortgage. If she does have pre-existing medical conditions, there are many policies that you can get that don't require a medical and will pay out as much as $25,000 on the death of the insured, and twice the benefit if she dies accidentally. |
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ossie
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I believe it is a good idea to consider "whole life" insurance on your mother, and I'm a little surprised that her mortgage lender hasn't insisted on this at the initiation of the loan.
May I suggest that you contact a reputable insurance broker to see if she can get a wider cover than that mentioned by you. I'm sure she can do better than the one on offer. |
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Alexander K
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It's the most horrible idea to buy that scam mortgage insurance. Why pay for insurance policy that lowers the benefit with time as you pay down your mortgage? If you want an insurance policy that will pay off your mortgage, just buy a term life insurance policy for the amount of the mortgage. If something happens to her when mortgage is half paid for, there will be enough money to cover the mortgage and some left. Anyway, these insurances are SCAM, I always throw away these "mortgage data cards" that they flood my mail box with. They want to sell you a policy that will never have to pay for anything, just collect premiums. |
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bostonianinmo
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No, those are usually a TERRIBLE deal. And the one that you are proposing is an especially useless one. |
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Ralfcoder
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The list sounds like they're trying to exclude a lot of things.
I'd investigate some standard, ordinary term life insurance before I bought the mortgage insurance. You can get it for any amount you want, and it most policies won't have as many restrictions as this one. You may be able to get it at a decent discount through your employer or a credit union if you belong to one. Otherwise, check with your insurance agent, or search the web for life insurance. |
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george 2
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get term like insurance. it is always cheaper then what the loan companies make you pay for their no good insurance, and term will pay no matter what you die from, except suicide. |
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godzillasagoodman
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NEVER EVER EVER BUY ANYTHING THAT DECLINES, THATS A JOKE!! sorry for yelling. Just simply get a 20-30 yr level term..........level.....meaning premiums stay the same, death benefit stays the same. is shes not healthy premiums could be higher. good luck blondie. lol |
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