 My wife is 27 weeks pregnant and I don't have health insurance, how can I get one? NO GOVERNMENT PLANS? |
| I don't qualify for any government plan like medicaid or similar, I need private insurance and I am self employed so I have no group or company insurance, any suggestions??????... |
|
 What are the things need to do while starting an insurance policy? |
| I am going to start an insurance policy in Newyork life insurance policy. I am taking policy through one of my friends. I just want to know what are the things I need to ask them for clarification ... |
|
 I am planning to invest 2000 pm in life ins. can any body tell me how much can i get in 10 years? |
I am planning to invest 2000 pm in life insurance. can any body tell me what is the sum assured after 10 years. is there any policy for 10 years. can i close the account in between.
... |
|
 Can I be added to my boyfriends health insurance? |
| Me and my boyfriend are in a commited relationship, and have a daughter on the way. I am still on my parents insurance, but that will expire at the end of the year. Our plans our for me to stay at ... |
|
 Insurance denial? |
Can your employer/company refuse to insure your significant other because you are not married ?
My nephew started a new job and put his girlfriend on his insurance.The company just found out ... |
|
 Is there anyway to get around exclusions in your insurance policy? |
| I have United Healthcare and my particular policy excludes any surgery for obesity. I was hoping to have the bypass done, but since it is excluded.... I would have to pay for it out of pocket, and I ... |
|
 With regards to car insurance, what does having a deductable mean? |
| For example, if I have a $500 deductable, what exactly does that mean when claiming from insurance?... |
|
 Do rich people need insurance? |
| I was just wondering..if they have so much money....do they really need insurance?... |
|
| My car is a w/off due to fallen tree, t p insurer advised damaged not covered as act of god, dam to hse is ok? |
| it was gale force winds today, i had parked outside my mother's house, the tree from over the road blew accross the road onto my car also damaging two houses. my mother's included. The ... |
|
 Does New York Life Insurance make its agents bug all your friends/family for life insurance? |
| I have interviewed with New York Life, I really like the partner with whom I would be working for but he never gives me a straight answer on how we get leads, or where our clients come from. He gave ... |
|
 How will my insurance company pay out on acidental damage to my PC? |
| I have home and contents insurance with Norwich Union and have just dropped my PC and now it wont work.How do I go about reporting it and what happens when I call them. I have never claimed so dont ... |
|
 Is this term life insurance worth it? |
The monthly premium stays the same for the entire term.
Female, non-smoker, 28 yrs old, in good health.
Monthly premium: $12.39
$50,000 coverage for 56 years (until I'm 85 ... |
|
 Car accident!? |
| A guy ran his red light totaled my car.. i made a claim through my insurance so i cold get an adjuster and i called the other guys ins bcuz nobody contacted me. So i made one for his insurance to. ... |
|
|  |
Thomas H | Is it possible for a 6-year recovered alcoholic to get life insurance? |
I have also been prescribed both Wellbutrin and Zoloft for the past several years...Does that mean that "I've been diagnosed with a 'Mental Illness' as so stated on many Term Insurance Questionaires? It seems that nearly 1 out of 3 adults are now on some sort of SSRI antidepressant, but I don't think they would all be considered 'mentally ill' by their physicians....Heck, everyone is a little depressed these days.
I'm unemployed, near-penniless and am having my home repossessed next month after scraping up the last of my retirement accounts' balances to pay this month's payment, so I'd like to know that if I had to, I could somehow "take one for the team" so that I could leave my wife and only child (just 8 month's old) with something. |
 |
 
Jay jay
 |
i don't actually know about the insurance but i want to congratulate you, you are a strong person and deserve so much better. I hope that all goes well for your family! It'll get better day by day. I kicked crack 4 years ago, I went to prison, lost my daughter and everything i owned, but i got it back and you will too! Just have to work at it, don't take your eyes from the prize xxx |
|
blb
|
You need to seek help for your depression. You are beyond just a little depressed if you are talking about taking one for the team.
Regarding the insurance. There are companies that will insure you but every life insurance policy has suicide clauses in them. They vary from company to company but if you committ suicide within the first 1-2 years nothing is paid out to the beneficiaries.
Please seek help at a local free clinic.
Good Luck |
|
DarkStar
|
Anything is possible. And from my experience, yes you can get life insurance. I am a recovering heroin addict of three years and I have life insurance. However, I would probably look into some other options to help your family. Your wife and kid need you. Besides life insurance takes time to build up money, at least mine does. And for the mental illness, I am on wellbutrin and suboxone and have been diagnosed with post traumatic stress disorder. But if your doctor didn't specifically tell you something than you may just have depression. And who doesn't suffer from that, ya know. I guess if you are a manic depressant, than that may qualify as a mental illness. Anyhow, I hope everything works out for you and your family. I can relate with you completely and again just from my own experience, life will get better. It may take dealing with some shitty times, but in the end it will be worth it to see your child grow up.. I wish you all the luck in the world.And just remember, picking up a drink will only make things worse in the end... |
|
deep5223
 |
Life insurance should not be your concern right now. You probably could find a company that will insure you, but with the 2 year suicide clause, you would have to pay premiums for two years before it would pay your wife and child. What you need now is support, help finding a job and then when you are back on your feet, find out about insurance for the"just in case" times. Just remember, tomorrow is a new day and we all have the same 24 hours to do with as we choose. Choose to seek help. Good luck. |
|
jmrob29
 |
Most policies have a suicide clause - you have to pay at least 3-5 years before you off yourself - or else it looks premeditated at the time of signing up for the insurance.
You can probably get life insurance if you are willing to pay extra - since you are on those medications you might get "rated" or an increased premium.
I'm sorry to hear about your bad luck, we've all had some bumps in the road...and trust me, that's all this is....just a hiccup.
Talk to you mortgage company, perhaps when you tell them of your hardship they can work something out with you....ask for the loss mitigation department and ask them to do a hardship forebearance. That would temporarily waive your payments until you can get back up on your feet. |
|
periwinkle
|
let me try to dissect your case piece by piece. here goes:
history of alcohol dependence - yes, it is possible to get life insurance provided you meet the heath and character requirements. The underwriter would most probably ask you to answer a questionnaire, submit an attending physician's statement, undergo a liver function test, bilirubin, etc.
depression - depends on what is causing such condition; and it also depends on the severity of the condition, and response to treatment.
Unemployed - I'll be hesitant to give you a life insurance unless you can convince me (or the underwriter) that your unemployed state is just temporary. Life insurance is about income protection, and financial loss- meaning, if you don't have a steady income, then you and your family don't need protection because there won't be any financial loss in case of death. |
|
tolivinclean
 |
yeah, you could leave them withOUT a husband and father. And no, everyone is NOT a little depressed these days. I am a recovered addict and I am not a little depressed these days but I tell you what work the steps and get out of your self centeredness which is consuming you. You are going to be self sacrificing and do your family a favor? You think taking yourself out is "one for the team"? did you ever see the yankees win by having one of their star players walk away? I haven't. Do them a real favor and get help. |
|
mbrcatz
 |
Well, the questions are "have you EVER" So yes, you have EVER had a drinking problem, and yes, you are depressed.
You'll be able to get it, BUT, it's going to be expensive. AND, it's going to exclude suicide for the first three years (time period varies by state), so "taking one for the team" isn't going to help the situation.
I'd suggest getting involved with a church. |
|
aaron p
|
Having a history of alcoholism and currently being on meds shouldn't knock you out in and of itself. Your liver enzymes may be a little off from any lingering damage you may have caused. The real challenge that an underwriter would be faced with is justifying the coverage on you with no income to protect (financial underwriting). I don't see this happening. Besides, as mentioned before, the life contract wouldn't pay if you committed suicide within two years time (they will definitely investigate with any mental illness history).
I would focus on getting a job with group benefits so that you can afford good psychological care and you would have a stable income that a life insurance company would be willing to protect. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
9 | 24 minutes(s) ago
| | | |
9 | 57 minutes(s) ago
| | | |
8 | 3 hour(s) ago
| | | |
9 | 4 hour(s) ago
| | | |
10 | 8 hour(s) ago
| | | |
9 | 9 hour(s) ago
| | | |
9 | 10 hour(s) ago
| | | |
9 | 2 day(s) ago
| | | |
9 | 4 day(s) ago
| | | |
9 | 5 day(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
