 What is it REALLY like to be an independant insurance agent? |
| I am 52 years old and was a social worker for 13 years and worked for oil companies for 8 years. I am 52 years old and have been offered a job to work for AFLAC and possibly Farmers Insurance Group ( ... |
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 Insurance? |
| I have to make up an insurnace company for me webdesign class and build a website about it. gahhh i don't even know what insurance is. how boring! I have to have 3 info pages. one on an ... |
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 How can I get FREE Insurance???? Please I really need help :(? |
I need free Insurance so bad. Its hard for me cause i dont have anyone to help me and my dad no longer covers me for his insurance cause i just turned 20.
Please how can i apply for Free I... |
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 Life insurance? |
| My mom has term life insurance for 10 years for New York Life.. is it true that in 10 years, she'll be able to renew it another 10 years? Won't that be more expensive? Also, what happens ... |
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 Can someone in a car accident be given a donation? |
| If someone is in a very bad car accident, being driven in a taxi, can they be given donations? What are the quickest and fastest ways to set up a channel to receive donations? Please consider ... |
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 With a life insurance death benefit, does the face amount divided by premium tell when it is paid for 100%? |
This death benefit is 10k, and the monthly premium is $40. 10k/40 = 250 months, or 20 years
Or a 5k benefit with $40 premium would be 10 years?
So I am betting I will die before it is paid ... |
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 What does AIG fall mean to my Life Insurance Policy? |
| I know that AIG is still liquid but there is a lot of speculation on their future. I have a 30 year life insurance policy that I just bought last year. What does this all mean to me? Is there ... |
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 Does insurance cover the cost of scoliosis surgery? |
I found out the scoliosis surgery cost was 100,000 dollars and was just wondering if medical insurance covered any of the cost?
Additional Details
Thank for the info i sure hope ... |
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 Can I be denied insurance? |
| I am currently getting health insurance from Health Partners through my mom's employer, but I will be losing my coverage at the end of the month, since I got married. I applied to continue ... |
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 So what happens when you find out your pregnant and don't have Maternity coverage? |
Hi,
My husband and I found out we were pregnant in February, the pregnancy was unexpected, even though we did use contraceptives (birth control pills). Unfortunately, my health insurance cut me ... |
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 Health insurance for dummies?? (that dummy would be me)? |
| Ok I'm leaving my parents coverage in a few months and am scouting health insurance companies....thing is...I have no clue what they are talking about!!! The thing I am most confused about is ... |
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 Is this considered insurance fraud? |
| A deer recently hit my car while i was doing about 65mph. The bank owns the car, so they will write a check to me AND THE SHOP. I got a quote from a big shop for $4000. I know a guy with a small time ... |
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Sarah Renee | What's an affordable life insurance with no health exam? |
My father needs life insurance and has health problems. He needs something with low monthly payments, but will provide enough if he has a natural death. |
 |
 
mbrcatz
 |
Define "enough".
The odds are always going to be stacked in favor of the life insurance company. If he wants a low payout policy - just enough to cover funeral costs - he can get a "no exam" policy through aarp or similar. But there are QUESTIONS, and he has to wait out a period where he's paying the premium, but can't collect if he dies - usually 2 years.
Which is enough time for them to collect enough money from him, to be able to pay him. |
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stepfordmom75
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There is really no such thing. You could possibly find a company that issues lower amounts of life insurance with no exam but even those policies ask health questions and order info from the doctor on any issues reported. If you don't tell the truth, they are generally not obligated to pay.
Your best bet is to call around, speak to a few agents and be completely forthcoming about any health problems he has. Otherwise, you may be paying for something you can never collect on. |
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bud68
 |
The older you are, the more certain it is that life insurance companies will not issue policies without a medical exam. |
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a_keene34
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It all depends on the amount of insurance. I don't know what state you live in but i'm an insurance agent in Ohio, if you'd like you can email me some details, as far as age, amount of coverage he's looking for... stuff like that. a_keene34@yahoo.com or adrienne.keene@wslife.com |
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ppalchi
 |
When you get a life insurance..
1. find out how much coverage you need at the event of death
2. how much I can afford to pay the premium
3. Who do I choose for my beneficiaries.
Usually your annual income X10 would be considered "enough" for face value of the insurance. But you have to considere the mortgage too. Is it enough to cover the house mortage and leave some money for my family to make a living?
If your father is old..you do need to take a health exam. If you find a company claims you do not need one, that company is probably a fraud.
If your father works for the company where provides life insurance, you do not need a health exam up to certain amount.
If your father has a health problem, but the life insurance company is willing to take your father, you should take that chance.
The life insurance is the best financial product in the history. |
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aaron p
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"Health problems" isn't really specific. Do you mean he has had a heart attack, diabetes, COPD, or organ transplant? These are all potentially coverable with a regular insurance company. If it were me, my first stop would be to the normal channels before I started searching for guarantee issue policies. You should probably work with someone who has experience with difficult cases like your father's.
You can email me through Y!A. |
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AskFred
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Ray Hammersley insurance agency provides you with affordable and no health exam life insurance coverage. |
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