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 What is the best individual health plan to have?
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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 ...


 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,...


 Can u sue a person that does physical damage to you?

Additional Details
for example, like trying to push you with ur ...


 What is status of policy no. 920657439?
I want the confirmation about my change of address....


 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 ...


 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?...


 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 ...


 I'm looking to buworldwide travel insurance to cover 13 months. Anyone out there know of an insurance company
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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 ...


 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....


 Please tell me about Birla Sun Life insurance, is it safe to invest? Benefits and risks?
It is private insurance, i need to know safe and security of BSL ...


 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 ...


 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 ...


 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 ...


 If a family member has medicare and is also on a spouses HMO, who is the primary insurance?
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 Please help. Who can my parents talk to about their life insurance policy issues?
I need advice on a life insurance policy rider that in the 80's carried 4 children under 21 should we have dropped off the policy when we reached 21. Since my parents fail to notice that we are ...


 What is best term or universal life insurance?
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 What do you think of the advantages and disadvantages of health insurance in the United States?
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 I need some health insurance help!! please?
I currently have HMO - and a really crappy doctor, who has recently misdiagnosed (or did not diagnose a serious problem) I am still yet to get my tests back - but if it is positive I don't want ...



Sparkle21
Old medical records affect life insurance?
When I was a teen I had severe depression and a suicide attempt on my medical records. Since being an adult there is none of that and I am healthy and thriving. Will this affect my husband and I getting a good rate on Life insurance? Do they want records from when I was a teen?
                     
 




debijs
~~No, if you have not received treatment for at least 5 years ago, they will not count it against you.~~


src50
Rating
Generally, getting life insurance involves a health questionaire, physical exam and disclosure of medical records.


car253
Rating
The only affect it has is if your honest, the insurance company may ask for those medical records. Then they may also want your doctor to give him an record of your current condition. That means that your fine now with no problem.

It is better to be honest because if your not they can deny a claim in the first 2 years of the policy if you lie. If your fine now it probly will not affect the premium.

What I advise is this: 1) apply for a term policy. Other poster is right about that. 2) Tell the agent you want it non-bind. That means you are not covered until they approve you and offer you a certain rate. Then you can decide if you want the policy or not. You are not covered until you accept the policy and you do not pay anything until you decide.

Call around for some quotes with some of the big carriers. And, your health will not affect your husband's life insurance policy at all.

Then you know what you are dealing with.


DffrncMkr
Should not affect you -- they typically look back 5 years at most.

Do not follow anyone's advice on what type of insurance to buy until you talk with a qualified financial professional -- preferably a financial planner. Everyone has advice on the "right" type of insurance to buy but how can they know without understanding your situation?


Michael M
It will depend on the application. Some companies only ask if you have any suicide attempts in the last X years. Some will ask if you have ever attempted suicide. If you fall into the X years then it is going to be an issue. If it falls outside, then you should be fine.

Don't lie, especially if there are old medical records to verify the depression and suicide because that could cause your benefits to get denied down the road.


Worldly25
No affect what so ever. Read Susie Orman's book Her advice is term insurance.


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