 Insurance query - contents /buildings? |
| I had quite a major fire at my house in June which effectively led to the whole house having to be redecorated and a lot of ppty damaged beyond repair. My contents insured was on the low side and the ... |
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 On which of the following types of policies is it a certainty that the insurance company will have to make pay |
| On which of the following types of policies is it a certainty that the insurance company will have to make payment? (We have assumed that the policy has been kept current, payments have been made, ... |
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 Wife is pregnant not on my insurance has no prior insurance. once she is onmy insurance will she be covered? |
| my wife is pregnant and isnt yet on my insurance. When I add her will her pregnancy be considered a pre existing condition. Also, she has never had medical insurane before since she is not from the ... |
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 How to become better at sales? |
| I sell commercial insurance to other insurance brokers and am looking for sales strategies to help propell my career. Some of my business comes from contacts I have with in the industry, however I ... |
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 Does anyone know if whole life insurance is better than term life? |
Say your in your late 30's and completely healthy, have a term life insurance for 250k for 20 years and you dont die in 20 yrs, your now close to 60 and have to start over dont you?
Any ... |
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 Staying on my parents insurance? |
| I'm 17 and doing penn foster high school..My parents insurance say that at 18 if I'm enrolled in school i can stay on insurance until I'm 21..well at 18 ill still being doing penn ... |
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 Cobra coverage between jobs? |
| I will be giving my current employer their 2 week notice within the next week or so and I will be taking a new job immediately. My new employer offers benefits once I have been with them for 30 days. ... |
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 Which Insurance Broker Is Best For Single Items Of Jewellery |
Recently, I bought my then girlfriend an engagement ring and I would like to get it insured.
However, our home & contents insurance cover only offers vouchers to the value of the ... |
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 Where can i get cheap good car insurance in Florida? |
| I'm 22 years old and i just moved to florida from delaware and i neeeed to find good car insurance that's not too expensive!... |
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 Can teachers get auto insurance discounts? What is the best provider to go with? |
| I have Geico right now and pay over 1000 dollars a year. I looked online at the Teacher's Insurance Plan and my quote was just over 400 per year. Has anyone heard of this provider, or do you use ... |
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 I have a question on Health Insurance Billing |
| I recently saw a question that asked: I got billed from the hospital for 3000, the insurance said 1000 was eligible, and that 900 would be paid. All agreed that this individual would need to pay 100... |
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 My friend is 19 years old and lives in wisconsin and has to pay 1600 for seizure medication, has no insurance? |
| she suffers from seizures and needs medication, but because she isnt in school anymore she her parents plan wont cover her. is there any aid she can recieve for this? anything she can do?... |
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 Dose an Life Insurance company really want to payout for the death claim or just keep delaying? |
| I've been dealing with one of the big insurance company. Every time I called them, they always said " still pending" . I've been 3 months already since they received the claim ... |
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 Can I get life insurance for another person? |
| Can I get life insurance for another person? Like, let's say I think Fidel Castro is going to die soon. Can I get a life insurance policy on his life so when he croaks I make some money? That ... |
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 What insurance do I need? |
| I have set up a limited company focusing on training and personal coaching. Do I need public liability insurance? Do I need insurance to cover if I am ill? Is there anything else to consider? Where ... |
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 My husband and I need private health insurance, any recommendations? |
| My husband and I need private health insurance because his job does not offer it and I am a stay at home mother of our two year old son. We live in California, make about 2000.00 a month and are a ... |
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 Life Insurance Claim...VOID re: lack of Knowledge of Full Medical History.....? |
......The accountant we used had failed to put 'has Arthritis in foot' and thus failing to mention hospital visits and medications prescribed relating to this condition.
This 'non-... |
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Telling It Like It Is | We just found out my father is terminally illl...and NO life insurance!!!? |
His brother and sister-in-law were supposed to have his policy in case of an emergency and now they claim they don't have it. We also called a couple of insurance companies he might have been under and they have no record of his policy. He's only 54 and we think he may have 2-5 years before he passes. What are my options? |
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Chris C
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Life insurance is something you never use until you actually need it and if you don't have it when you need it you can't buy it for any price.
You're only possible options and it's a VERY slim one is to contact an insurance broker and look into a gauranteed issue product. These products are very expensive and there is a pre-existing conditions clause, however some of those clauses are just for the first 5 years. Basically, if he's only expected to last 2-5 years, you're betting that he makes it bast that 5 year hump or you lose what you paid in.
I wish there were more options. The only real option is to be an advocate and make sure that people knwo about your situation so you can save others from what I assume is a fairly stressful situation.
The only thing you can really do he keep contacting insurance companies to see if there are records. Unless your father or the people that were supposed to have the policy can't remember where he got the policy from there's not a lot that can be done. Sorry. |
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65% water
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You're not going to be able to get a new policy on a person who is terminally ill, so your best bet is to try to locate an existing policy. Who was supposed to be paying the premiums? That person should have a record of payments that might help you to track down the existing policy. |
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mbrcatz
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Start saving for the funeral costs.
It's too late now, to buy him insurance.
Apparently his brother was supposed to buy a policy, and never did? Even if he DID buy a policy for your dad, HE would get to pick who gets the money, so that wouldn't necessarily help you out at all.
If you're asking, is there a central database where you can look up policies, the answer is no - it's a private transaction, protected by privacy laws. If your dad wasn't paying for life insurance, though, he doesn't have any.
Sorry about that. I hope the family can pull together for this tragedy. |
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src50
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Are you saying he doesn't have a policy or just that you can't find it? If there is no existing policy, it's too late now. No company will issue a policy under those circumstances. |
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riche_bitche_007
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Talk to your father...He should be able to tell you about any policies and with which companies he had carried them. He should also be able to tell you if he still has the policies in force.... If he for some reason can't remember, then contact his place of employment ( or his past employer) usually Life Insurance is carried through an employer..So this may be a source of information for you.. Has he been on medication that might impare his memory? If not, then he is certainly your best sorce of information...It would seem that he should have at least kept copies of any policies he may have given to his brother...if your father seems confused, then you need to call an attorney ASAP..When it comes to money, familes can become very deceitful...Protect your interests...Any reason that your father might have given these supposed policies to his brother instead of you? Just wondering.....Good luck...
And remember, your father is dying, and that should be the most important thing...Money comes and goes throughout your lifetime...You only have ONE father...try to spend whatever time he has left in the best way you can...Share memories, do simple things, stay close to him, and let him know how much you love him...everything else will fall into place....Time passes so quickly and he is living on borrowed time right now...Make the best of it, and do everything you can for him. That way you don't have to beat yourself up after he is gone.....You are lucky that you have a chance to get prepared for this...You have a chance to mend any broken fences, lots of us never have that chance... |
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Justagirl
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i have absolutely no idea what u can do but just dont give up hope.
gosh u must be tensed |
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