 Insurance Query? |
| Is a Property owner who's property is damaged by a Car responsible for part payment of the damage done by the Driver? regardless of cost surely its not the victim of this damage who should have ... |
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 How do you find the insurance information for the registered owner of a car? |
| The Person driving the Car that hit our car gave the officer HIS policy information. NOT the registered owners policy information. When I called the Insurance agency They told me They do not have ... |
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 What can i do to save for retirement!!! PLEASE SERIOUS ANSWERS? |
| i am 26 years old and i have a job that i have been at for almost a yr........but they dont offer retirement. i know i can use a life insurance plan that builds cash value but i only will have about 3... |
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 My husband and I want to get Life Insurance, help!? |
| We have NO idea how this works. We have NO kids, we are in our mid 30's and relatively healthy. We prefer the NON hassle of no medical exam, etc. Can someone give us a hassle free/low cost, name ... |
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 What happens if I want Homeowners and Car insurance with the same company? |
Say my car insurance is with Company C and expires October 31 and my homeowners insurance is with Company H and expires January 31.
I saw somewhere that if I have both insurances with the same C... |
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 Can a doctor stop seeing you if your bill is past due? |
| My 6 year old daughter is going to be going to a psychologist for therapy for OCD and other anxiety disorders. We will be starting out going weekly untill we see how much insurance will cover. If it&#... |
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 I was injurd at work (toe was tore off)? |
| I was helping someone dump a load on a fork lift and was on the forks. Driver went a little crazy and I scrambled for somewhere to hold on and ended up with foot caught in hydraulics and it severd ... |
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 Why do you not want to buy insurance? |
| I'm a believer of having protection and that's why I joined the industry as an agent. I do not like to force sell to buy so I'm here trying to collect the possible reasons to why ... |
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 Should I get a lawyer, or deal with the insurance company? |
| My 13 year old daughter was hit in a crosswalk. She was slightly injured. Road rash, goose-egg on head, some superficial cuts. The bills are only about 2,000 at this point. The Driver of the Car ... |
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 Which is the Best Life Insurance Policy to take?????? |
i want to buy a life insurance policy i can invest 24000 Rs pa.
i want to know which life insurance policy would be better for me and of which compnay?????... |
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 What company do you have your home owner's insurance with? |
| Buying house and need to get some home owner's insurance, need a few places to get quotes from.... |
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 Is it a legal requirement to have insurance when you are self employed? |
| I am about to sign a contract, as a self-employed contractor, and one of the point refers to me having liability insurance. Is it a legal requirement?... |
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 Should the government pay your deductible when you have a car accident? |
They pay money over and over to flood victims, year after year.
Additional Details
We pay for flood victims, assuming you're not one of the one-third of Americans who pay ZERO taxes ... |
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| Home insurance and dog bite? |
| My 1 yr old dog mix of beagle/German Shepard bit a neighborhood boy last night. The dog was fenced in and has all shots, he has not have any other prior bites and took me by surprise that he would ... |
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 Would it be illegal to get lots of life insurace policies out on tramps/ heavy drug takers? |
| I don't mean killing them or anything, but taking out life insurance who were likely to die soon?... |
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 My daughter is being sued from an auto accident, she has insurance and no assets. They want 500K? |
Additional Details
We live in MD, she is 27 and lives on her own. She hydroplaned, he hit her and now the couple are suing and the wife separately etc. He did have one broken rib but ... |
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 Insurance - dwi? |
When does my insurance company become aware of my dwi?
after I'm arrested? after my license is suspended? or after i'm found guilty?
Additional Details
i checked my policy ... |
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julwortham | Life insurance for diabetics? |
I'm looking for 400,000 dollars in life insurance for my husband. The problem is that he is diabetic and on insulin. Is there any company that offers diabetic coverage? |
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Doing the Right Thing
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Most likely not. If your husband does qualify for one, it will cost lots of money for $400k coverage. But it doesn't hurt to try out all the reputable life insurance companies in your area. |
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insureman613
 |
There are 3 companies that will write an insulin dependent diabetic with standard rates. everyone else will rate him up and it will be very expensive.
His acceptance depends on a few things. The most important is his fasting blood sugar level. Next is the age of onset. Finally, his other medical history will also be very important.
If you would like more info, shoot me an email at insureman613@yahoo.com |
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lady_daizee
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have you checked around? I'm pretty sure that there are several life ins companies that will write with diabetes as long as its been under control for at least 6 months. I would call your homeowner's or auto insurance company. Try State Farm or Nationwide..most people dont realize they sell life ins too |
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vanessa g
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probably not we got screwed when we lost my father because he was diabetic |
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sloop_sailor
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Most insurance companies shy away from anybody with a chronic illness such as diabetes, especially insulin dependent. I myself have been turned down for short term and long term disability policies even though I have not had any complications since being hospitalized 14 years ago when I was diagnosed and put on insulin. Term life policies can be had but the premiums were too high, I was better off putting it into a retirement account. You can get accidental death and dismemberment policies at a good rate though. I have one through my credit union from CUNA. |
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sheeranmj
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Almost all companies will write someone that is diabetic. If your husband does not manage it well then he may be denied coverage but otherwise should be fine. When you are calling around for quotes let the agent know his medical history. He will most likely be rated at a Table C. All that really means is that he is 3 levels below standard and will have a higher premium. Try different companies and try to find one with relaxed underwriting guidelines. |
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pokerplayer528
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Yes there are. You should get a comparison quote from a few though because cost of coverage will vary wildly. This site will give you a free side by side comparison |
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LifeInsuranceAgent
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Coverage is readily available from a number of companies.
Here is information specific to underwriting diabetes for life insurance.
http://www.lifeinsuranceadvisors.com/health-problems-life-insurance-underwriting-diabetes |
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mbrcatz
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Sure! Most will - the question is, will you be willing to pay the price they want.
They'll want to know how well controlled he is, how much insulin he takes, his height/weight, etc, to make a guess at his projected life expectancy, and calculate the rate from that.
If he's, for example, a type one, and height/weight proportional (aka, not obese), his life expectancy is about 7 years short of someone NOT a diabetic, so the rates are a bit higher.
If he's obese, his life expectancy is considerably shorter, and the rates go up astronomically. |
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Joe
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There are way more than 3 companies that will offer insurance to a diabetic. It just varies on what rate each carrier will give him. Try Prudential or Lincoln Life for 400,000 term.
Get a good Agent to help you out in person and not on line. You will need help to get the case placed. The premium will depend on past medical history mostly, but height, weight, severity of the diabetes, past hospital trips and of course his age all play a factor.
I have placed diabetics on insulin with standard rates, sub-standard rates and I have had some declined.
Good Luck |
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ewwwenglish4francecom
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available but expensive |
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