 How do you go about getting jewelry insured if you don't have homeowner's/renter's insurance? |
| I just got engaged and would like to protect my ring and get it insured. I've read other similar questions but I don't have a homeowner's (don't have a home) or renter's ... |
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 Dog walking business? do i need 'pet sitting' insurance for dog walking over the summer with a friend? |
If I only take out dogs which are insured via owners pet insurance is that ok or do I have to be insured???
All i wanna do is make a bit extra money by dog walking in my neighbourhood, ... |
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 If my boss has the company pay for his health insurance, does he have to pay for mine? |
| I work for an S-Corp owned by two men. They have the company pay for their health insurance premiums and make their employees pay in full out of their own pockets for their own. Is this legal?... |
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 Can my doctor refuse to see me because insurance has not paid because the doc has not done the paperwork? |
| I had surgery back in June, and two follow up appointments, all which have NOT been paid by my insurance company. I was told multiple times by the insurance company that they are waiting for the DOCT... |
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 A relative died how can I find out if there any insurance policy to cover funeral cost on them pls hlp asap !!? |
| the relative is pretty old and we were told that they have a policy but can't find it not in bank statments or anything so , where would we look or find on the internet is there a site we look ... |
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 Can I get out of a lease in ME state because of a medical reason? |
| My husband was recently diagnosed with testicular cancer and we no longer are able to to afford medical bills on top of our rent payment. Is there any way that we can medically get out of year lease,... |
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 Can u sue a person that does physical damage to you? |
Additional Details
for example, like trying to push you with ur ... |
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 What is status of policy no. 920657439? |
| I want the confirmation about my change of address.... |
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 My husband and I are thinking of purchasing additional life insurance? |
| We are meeting with an agent this afternoon to see rates. Now, before we meet with him, I was wondering what is considered the right amount? I know you can purchase much more than what is necessary ... |
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 Will homeowners insurance cover an room that needs to be rewired due to a short? |
| Will homeowners insurance cover an room that needs to be rewired due to a short?... |
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 Help with paying a bill? |
| Hi. I'm having issues with a collections agency trying to collect on a bill I had last year. I was under my husbands (now ex husband) insurance. I think this cost should have been covered by the ... |
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 Life insurance- -my mom has cancer and will probably go soon...? |
#1- can i get life insurance policy on her?
#2- How does life insurance work? Like i see plans for like $3 a month, what if she like dies right after i get the policy, will i get the full policy ... |
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 My mother passed away last year,i cant find her life insurance policy and i dont have access to her mail.Help! |
| My father doesnt remember what company they had policies with.I live in Pa,unfortunatly there is no national database for Life Insurance Policies.... |
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 Car Accident? |
| I was involved in an accident in Nov.of 2005. It was my fault and I was driving my cousins car. I told them if there happen to be a bill left to them after that paticular accident I would hold myself ... |
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 Why do I need a Commercial General Liability policy? |
| I am leasing a Dump Truck for my business. I have an auto policy, but the lessor is telling me that I need a Commercial General Liability policy as well. I know what a CGL policy is, but I have no ... |
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 Can I name pets as beneficiaries in a life insurance policy? |
hi
I have 6 cats that I raised from infancy, three that I bottle fed and the other three I was there for the delivery of. I'm thinking about getting a life insurance policy, but I'm ... |
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Nikki | Life insurance for my mother..please help...? |
I have recently experienced several deaths to people very close to me. It has made me a little on edge. Now, my mom is a heavy smoke, 5'4" 245lbs and 53 years.. I went online to look into life insurance for her, the few that called me back denied my application because of her weight and and excessive smoking. I really need life insurance and I know I should lie but it is starting to frustrate me. Please if any suggestions I would appreciate it. No rude comments please. |
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Chris C
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RFTM: sounds like your totally missing the point of this question. I doubt this has to do with profit, but more to do with having the resources to properly take care of her mothers passing away. I think it's a very responsible thing that this person is doing and after experiencing several other deaths it doesn't suprose me at all that someone would want to make sure the rest of thier family is taken care of. It's unfortunate that you have such a negative outlook on life that you see this as an attempt for someone to purely profit from this.
Anyway, in a case where there are potential health risks, you should never shop online (shopping online for insurance in general is never the best way to do it...). You should be talking to an insurance borker in your area. Insurance borkers have access to multiple companies and will be able to find a company that might look at the application.
When you get quotes online they typically only offer quotes on Prefered Plus (people that have barely had a cold or flu their whole life), Prefered (above average health) or Standard rates, which means people with health risks are ussually declined right away. There are TONS of other companies available that will offer substandard insurance polices though.
They will be expensive, but they are available. And worst case, you can look at a gauranteed issue policy which doesn't even look at any medical underwriting at all. Again, very expensive, but better than nothing.
Contact a lisensed insurance borker in your area and they will be able to offer you various solutions. Make sure the broker has access to both term and whole life products though so you can make sure you are actually looking at ALL your options rather than just a few. |
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maxmom56
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It's going to be hard to find and it's going to be VERY expensive. It's probably better to bank what you would pay in premiums. Also, Mom would have to take a physical. She's probably not willing. |
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Insurance Pickle.com
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She should be able to get a graded policy at $25,000 around $100/month. Graded meaning it doesn't pay the full face until after 3 years. |
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hadley2120
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Here's some ideas:
You may want to try Stonebridge Life - they offer a guaranteed acceptance life insurance policy for people age 45-75; however, the coverage is limited the first 1-2 years. And, the amount of coverage available may only be $20,000. The premiums will probably be a lot.
Another option may be Globe Life Insurance. They offer coverage for people age 78 and under with no medical exam.
I think Colonial Penn also offers a guaranteed approval life insurance plan.
You may want to try a life insurance agent in your area through the yellow pages. Tell the agent your situation with your mom, and see if the agent has a contract with an insurance company that may offer coverage for your mother.
I hope that helps! Best of luck to you and your mom.
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mbrcatz
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Well, lying isn't going to help, because that can allow the company to decline to pay out.
If you're looking for low rates, that's not going to happen. She's particularly unhealthy. If money is no object, though, you can insure anyone. Depending on how much coverage you want, it could be hundreds a month for her, or even more.
You need to contact a high risk life broker in your area. Worst case, it might cost $110,000 for $100,000 in coverage. I strongly suspect you're looking for $100,000 of coverage for $100 a month - which isn't realistic with what you're describing. Insurance premiums to payouts, are the "odds" on her death. The odds will ALWAYS favor the house - the insurance company. |
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rtfm
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She doesn't sound like a very likely candidate for life insurance. Even if you could find a company willing to write a policy for her, it sounds like, given her age and health, that the premiums would be outrageously expensive.
Face it, not everyone is insurable. It sounds like your mom is one of those people who isn't.
(And it's a little sad that, faced with the reality that your mom isn't taking care of herself and might not be around much longer, that you're only thinking of a way that you might get some money when she passes. Maybe you should try to get her to quit smoking and start going for walks with you instead!) |
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