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jd t | 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 amount or what? |
 |
 
KE
|
Unfortunatly, you will be unable to get a life insurance policy on here. Companies requrie that a person undergo a physical examination and sign a form to allow them review their medical records.
Policies are consteable for 2-3 years depending on where you live. If someone where to die right after a policy were issued the insurance company would investigate and if they found out you lied or misrepresented important information they would only return your premiums. |
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deep5223
|
Yes you can purchase life insurance on her. It would probably be a guaranteed issue with no health questions (AARP offers one). The premium will be considerably more than $3 and if she dies in less than two years, you will only get your premium back. If she lives over two year, it will pay the full face amount. Many people have survived over two years with cancer. It depends on the type, how long she has had it and how the treatments are going. If she has been given less than 6 months to live, life insurance is not what you need. |
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ricks
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depending on a couple of factors, you may be able to. I used to work for a company that specialized in guaranteed issue whole life up to $100k. There are a few qualifying things that you must have in place for issue though. They only sell to credit union members that they affiliate with. There are only about 5 health questions they ask & cancer is not one of them!
So you need to see if they are in your area where you live & your mom must belong to the credit union in that area. If she doesnt belong, but they are in the area, see if you can get someone to sponsor her. She must be the one to come in & get the policy! They will not allow anyone else to buy a policy other than a spouse, & even then, they limit how much.
I hope that this may help & you are able to participate with this. The number is 800-590-8653 xt 1172. |
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thunder2sys
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If she has a terminal illness like cancer nobody will insure her now. She should have had a life insurance policy taken out in her 20s or 30s. |
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mbrcatz
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1. Yes, but you'll probably have to pay face value plus 10%. You can insure ANYONE, ANYTIME for just about ANYTHING. It all comes down to, are you willing to pay the price.
2. in HER case, you pay the policy amount, plus an administration fee, and when she dies, the policy amount gets paid to her beneficiary.
This type of scenario is very useful when you're trying to get money, tax-free, to someone, after someone else's death, and you don't want it to be easily contestable.
You're NOT going to get a $3 a month plan on someone who's over one year old, LOL. It's NOT going to happen. You're going to have to write a check for $11,000 to buy a $10,000 policy. |
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skymav5
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with her current health condition, it would be more like $3,000 a month or something, not $3, since she has already been diagnosed. she may even be uninsurable, you should contact an life insurance agent. You can try mine at Moreland Capital Management. His number is 208-578-7931. Good luck. |
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