 Umbrella insurance: what does it cover? |
I'm specifically concerned with my wife's candle making craft.
She plans on selling a few candles to family and friends. Very small operation.
If one of these people burn their ... |
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 Advice on buying life insurance? |
| A Primerica/Citibank representative visited with me on yesterday and gave me her spill on buying life insurance. Does anyone have any experience with this comapny? How would you rate their services,... |
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 Does another person's insurance have to repair your car in an accident despite your car's value? |
| I understand that if a person gets into an accident where they are at fault, the person's insurance can total out their car if the damage exceeds the value of the car. I want to know if a ... |
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 I have a health insurance question. |
I am planning to apply for the HIPAA plan (Health Insurance Portability and Accountability Act) and it comes with a $25 co-pay and $2,500 per year annually.
How would I figure out the ... |
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 If I sell a $1000 auto policy and my commission rate is 25%, does that mean I get $250? |
I have my P&C insurance license and a potential employer told me my commission rate will be 25%. I'm new to the industry and I don't know how the commission works.
So, if I ... |
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 Long Term Care Insurance Question? |
| I have signed up for it through my employer and it is appx. $80 a month with inflation protection for $200 a day coverage through John Hancock. Anyone else have it? Is it REALLY worth it? I met ... |
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 Can a hospital refuse a patient without health insurance when the paitent is not pregnant? |
| I recently lost my job and I do not have health insurance. I have been paying to go to the doctors. I currently can not afford to keep going that route. I have a child that I believes has a U.T.I. I ... |
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 Car health insurance...? |
| Why does car health insurance not exist I mean if it did then you would just pay a premium and then when you took it to a repair shop the insurance would cover it.... |
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 Insurance- is there anything I can do?!? |
Long story- I will appreciate if you read it-
My husband was in the hopsital last summer becuase of a mold allergy (from mold at his work). He was in for 14 days and in very serious condition. W... |
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 [Health Insurance] What is the difference between "deductible" and "maximum out-of-pocket expense limit"? |
| [Health Insurance] I dont exactly understand how both the terms apply to my expenses towards a medical care. I am talking about Physican and Hospital Services in particular, rather than Preventive C... |
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 Anyone bought a trampoline, put it up and then have an insurance company demand you take it down or drop you? |
| Insurance company has demanded trampoline come down. Saftety nets, adult supervisor followed to a "T". Spent good amount of $$$ on it! Been up for less than a year. Under warranty. Anyone ... |
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 Have you screwed up more than me? |
| I wrecked my car twice in 1 year, that sucks, 2000 ford mustang GT, hot rodding is not wise people, what should I do, I have a job but deductibles, and insurance have eaten me up within the last 12 ... |
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 Neighbor's gigantic tree falls on my garage. In PA.? |
know this.
My insurance company will pay for the damage to my garage.
Who pays for the removal of the tree?
They say it is an "Act of God" so the person who'... |
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 How safe are Aig annunitys .They are not Fdic insured? |
| My wife and I each have AIG annuitys .They are not FDIC insured. How safe are they . Can they be rolled over to a FDIC insured fund?... |
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itsme | Looking for a company who will provide life insurance for someone extreemly overweight? |
I would like to know if anyone knows of a insurance company who will cover someone who is around 290 to 300 lbs with pre-existing high blood pressure....coverage for life insurance
please..only mature answers..
Additional Details
Added details folks...my husband recently reinlisted so to speak for insurance and the company he has to go through with work ststed that he is covered for 10,000.00 life insurance but that ""my height compared to my weight were not acceptable i am 5ft 5 tall and 296 (currently on a diet program) iv already lost 39 lbs. |
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ernesto_tig
 |
Your other half is outside the range of most garden variety life issuers (but you probably know that) your best bet is to find an independent life agent with access to a life brokerage. Get some referrals from insurance people you know. If you're in Ohio, I know a guy (no it's not me).
Also, make sure they call company underwriting prior to submitting your case, the last thing you need is a declination showing up on MIB (www.mib.com) on a case they should have known they were going to decline to begin with. Good luck |
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mbrcatz
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How much are you willing to pay? You CAN find high risk life insurance - even if you're dying of cancer - if you're willing to pay enough premium.
You're NOT going to get very good odds on a policy for someone morbidly obese. So if you're looking for, say, $100,000 of coverage for $1,000 a year, it's NOT going to happen. If you're willing to pay "high risk" premiums, or buy a
"paid in full" policy (for like 50% to 75% of the face value), then you can find it.
In my experience, though, when someone wants high risk life insurance, they don't want to pay high risk prices. Which is what you'll have to do. |
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aaron p
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How tall is the person? Blood pressure is fine as long as it's under control.
Thanks for the additional info:
If you want to know a company, West Coast Life would probably offer him a "table F" which means for $100k of 10 year term on a 40 year old it's $283 a year or $24.76 a month. I'd honestly look harder to see if there was a better deal if I knew it was coming my way, but for "substandard" that sounds like a reasonable price. Talk to an independent agent or email me through Y!Answers. |
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