 IS selling life insurance a good career opportunity? |
| I would like to know is selling life insurance a good career oppertunity. I can tell that people are l little skeptical when it comes down to selling insurance, But I would like to know if it is a ... |
|
 Workman's comp or Unemployment?? |
| Just curious. If someone got hurt on the job shouldn't they draw workman's comp? I know someone that this has happened to and she is drawing unemployment and has been for over a year. Does ... |
|
 Life Insurance which one is what? level term etc, confused please help? |
| I am 25, my wife is 25 and my son is 4 yrs old. I think its about time i got life insurance. Im slightly confused because most of the websites i have visited offer insuance for term cover? I dont ... |
|
 My son's back pack was stolen at school this past friday and inside it was a very expensive ipod and his cell |
| phone. he's reported it to the school that it was stolen. is it likely that my home owner's insurance will cover this loss and will i need to file a police report in order to file a claim ... |
|
 I just received a Speeding ticket for going 75MPH in a 55MPH zone.? |
| I'm 16 teen years old and my dad said if i got a speeding ticket he would take away my license what should I do. He is going to kill me. How should I tell him. Is there any way for the ticket to ... |
|
 I got a letter from a life insurnace company that I own a life/annuity policy which I dont have. How come? |
| I got a letter from an insurance company (big, legit addresses)saying I own a life / annuity policy with them, and they give me a policy number, and ask me to send SSN/tax payer number back to them. I... |
|
 Which life insurance is best for me? |
This is for usa
I am 20, my husband is 22, we have no kids yet. We currently rent an apartment, plan on having a baby in a year or two and buying a house in the next 5-6 years.
... |
|
 Life insurance question? |
| My husband and I are looking into purchasing life insurance, and I'd like to get some input. (Although I give a lot of answers in the insurance category for other types of insurance, I don'... |
|
 Hospital bills? |
| If someone was 77 yrs old and had medicare in the state of TN, will there be any bills for that person to stay in the hospital or will medicare pay it all? Or if medicare doesnt pay it all, will ... |
|
 What should she do next about this insurance claim? |
| My niece's 3 year old fell into a drain on a platform on the National Rail network. I won't exaggerate, it wasn't a big drain, and it was one leg that went in but he did scrape his leg.... |
|
 I fell at work today and they let me off early. Do I get reimbursed? |
| I'm 15 and I work at Dairy Queen. I slipped and fell on a wet floor today while holding a cup of open soda. I fell right on my tailbone and soda fell all over me and my hair was totally drenched.... |
|
 I work for a guy who commits insurance fraud on a daily basis and it is driving me crazy, what can I do? |
| He will damage vehicles on purpose to make a bigger estimate, charge for new parts and put old ones back on, charge for premium paint and then use the cheap brand etc.He is the owner of the company ... |
|
 My neighbor accidentaly shot firework through my window and caused some fire damage to my living room.? |
| The works needed are covered by my buildings insurance policy. what I want to know is, are the insurance company likely to say that the person who caused the damage is the person who I should be ... |
|
 Anyone here know how to convince your insurance company your not commiting fraud? |
I am looking for a way to fake out my insurance company and make it look like i really have the items i dont have my appartment was "broken into"
i filled out police report but the ... |
|
|  |
lnjn1119 | We have no life insurance and my husband's health is declining. Is it too late to get a good rate? |
He is 55, smokes, has had a heart attack, and has diabetes. Please don't tell me how he needs to quit smoking etc... I KNOW THAT. It's his choice NOT to, and I'm trying to figure out what to do before he dies to protect myself. We have health ins. but not life ins. I fear that if he dies, I will lose our home and be destitute. I have physical limitations myself on what I am able to do and can only work a couple of hours a day, which translate into a very limited earning potential.
I know nothing about life insurance. Up until a few months ago, I thought we had it through military retirement. I refuse to lie about his health to get a better rate. |
 |
 
Doing the Right Thing
|
Base on your description, it is impossible to get a good rate. Rates that are advertised online or on TV are for people with perfect health. No matter what type of policy you get, cash value or term, it will be very expensive for you and your husband to even get $100,000 coverage (premiums are at least $2000/year).
My only advice is to look around for companies and find which one offers the lowest premium. It is better that you find out by calling the insurance company directly instead of filling stuff out online. |
|
kristine r
|
Check out AARP, they have good policies and rates, and from what I've seen on the website health conditions are not an issue in getting a policy, AARP is geared to the 50 and older generation. |
|
man_about_the_net
 |
Sorry to tell you, but you have the two problem in combo that will either make you husband uninsurable or their highest rate, smoking and heart disease. And be very careful for those who say they can, they might be trying to scam you, knowing you are desperate.
You can try joint life insurance (a policy with you and your husband) with first to die. That might work.
Best of Luck |
|
Kevin C
 |
It really depends on the amount of coverage you want. If you're looking for a burial policy, you may be able to get it. It depends on how long ago he had his heart attack (generally 3 yrs. removed from the event). If you need more, look into an annuity with a death benefit. You will pay more for the coverage, but it's better than nothing! |
|
Good♥Gyrl
|
Um...he's is more than likely uninsurable. In fact, I'd almost bet on it. But let's say I'm wrong... Even if he were, with the diseases you named AND his smoking habit (he's likely a few pounds overweight, too...no offense), the rate would be so high it would take Donald Trump to write the premium check. |
|
toyman
|
Unfortunately, I doubt that any company would cover you know with all of his pre-existing conditions. If they do, the rate will be high. You might get better rates through the VA. You might also need to go on permanent Medical Disability. Do you have kids? If so, you might want to think about putting the house in their name. If, god forbid, something happens, they couldn't touch the house.
Best of Luck! |
|
insuranceguytx
|
Is it too late to find a good rate? Yes, most likely.
Is it too late? No. You can still find coverage but it will be costly.
You best bet is to talk to one of more licensed independent agents. Tell them your situation and discuss your options. Your husband must cooperate. He will have to take a health exam. You should first take a look at your overall financial picture especially your debts to determine how much life insurance you need.
Sorry that you waited too long to look into this. |
|
spot
|
Check AARP. They have group term life (his health is not an issue) and your husband would qualify. Call 1-800-865-7927. Or you could go to http://www.aarp.org/aarp_benefits/ and check it out. You do have to be a member, but it's very cheap. The coverage they offer is not very high, but, at least it's something. |
|
sugarcarat
|
They will do medical tests for a life rate quote and you can't fake that. With his history it will be expensive if they don't turn you down, which is most likely. It's looks like you need to figure something esle out. |
|
juicy
|
No, it's not too late actually. Have you checked out Gerber Life Insurance? They have really good rates for adults, and I don't think his prior health condition is an issue. I really think you should look into it. |
|
Stacy R
 |
You can get small policies fairly easy and cheap on-line. Most have a 2 year limitation though. Meaning the person has to live at least 2 years to get the full amount of the policy. |
|
tigertiggerii
|
Your best option is to look at a graded policy. It will be more expensive due to the health issues, however, you can get some life insurance. Graded policies are available with term and whole life with benefit amount limitations. Guar. Trust Life is an example of a company that will look at this case. Feel free to ask for more information if you so desire. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
12 | 41 minutes(s) ago
| | | |
12 | 2 hour(s) ago
| | | |
12 | 3 hour(s) ago
| | | |
12 | 7 hour(s) ago
| | | |
10 | 10 hour(s) ago
| | | |
12 | 2 day(s) ago
| | | |
12 | 4 day(s) ago
| | | |
9 | 6 day(s) ago
| | | |
12 | 2 week(s) ago
| | | |
12 | 2 month(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
