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julie | What's term life insurance/is there any that covers you no matter how old you are or must you die by a certain |
age.
If I am not allowed to have whole life insurance due to being on medicaid, can my son purchase a policy on me..are there any he could purchase without me having an exam and a lot of health questions?
can someone make payments to a funeral home so there is something at least before you die to help assist my kids by paying at least a little (I am poor) |
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Hadley
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First, term life insurance provides coverage for a specific number of years, it does not last forever.
If you are unable to get whole life insurance, it seems term life insurance may be the only option for you.
Yes, your son can buy the policy for you and even pay the premiums. They will probably need your signature to take out the policy.
Yes, there are no medical exam life insurance policies. There is globe life, stonebridge life and term life with no exam coverage that offers up to $250,000 of protection, depending on your age.
If you only need $30,000 or less of coverage to provide for your funeral expenses you may want to consider Globe Life. They offer up to $30,000 of simplified life insurance to people age 78 and under. You can apply online in minutes and get approved for your policy today. There's no medical exam and Globe Life has more than 2.5 million policyholders.
You can learn more about Globe Life at http://www.term-life-online.com/globe-life-insurance.html
I hope that helps! Best of luck to you. |
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carmeliasue
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Term life insurance is for a specific length of time. You do not get a refund of any type if you out live the time frame.
Your son could probably get insurance on you, but it would not be affordable. And no,,not without medical exam in this case. Sorry. Anytime you want to insure someone, you have to have a interest in the person, and they have to consent to a medical exam and then there is usually a limited benefit payout time.
Yes, you can make prior arrangements and pay for them with payments to the funeral home. That is actually recommended.Talk to the funeral home that you would like to use, They can help you with all aspects of pre-planning and paying for your funeral.
Good Luck. |
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Ernie
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Term will expire or become to expensive to renew when you get to be in your 60s or 70s.
Your son could be the owner of a policy for you with wholelife or universal life. He would pay the premiums. Look at universallife if you can the type with guarantees. Also depending on your life you may want to look at single premium insurance since they ask less questions - it is easier to qualify.
Maybe you want to pre pay your funeral ...that might be a good way if you dont qualify for life insurance. |
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Knarf
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Basically term insurance has no cash value and gives more coverage for the buck. Whole life has a cash value and costs more due to higher premiums for agent up front percentage. Of course you can see by the make of cars that real estate agent and insurance agents drive that they do pretty well. Anyway, better than you or I do !!!
With funeral home thing, save yourself some money and set up your own funeral account... Not too hard once you look into it.
Best value : TERM!!!! |
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Judy1
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Term insurance is insurance that only lasts for a given period of time - maybe 5 years. If you are still alive at the end of that time, the policy is over and won't pay anything out - your premiums paid for the protection during that 5 years.
Whole life is a policy that is part insurance and essentially part savings account.
For your son to purchase insurance on you, he'd have to have your signature, plus the rules for getting the policy (like the health questions and exam) would be the same as if you purchased it yourself.
Most funeral homes do have programs for people to make prepaid funeral arrangements. |
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dismantled_robot
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A lot of people will plan their entire funerals before they die, they will pick, and pay for the lot, the casket, the ceremony, ect. Most insurance companies would want to know if their investement is worth it. If a company gave everyont life insurance without a medical exam, then they would go broke. People who are on their death bed would purchase insurance right before they die, and the company would have to pay out thousands, when they only recieved less than a hundred. Maybe you should start a savings, Have it in your will that the savings will go twards the funeral. |
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aaron p
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First of all, "whole life" is just one type of permanent life insurance. There are other types that might meet your needs better.
I don't think that Medicaid disallows you from owning permanent life insurance. It only says that your cash value cannot be over a certain amount ($2000 I think). There are two options that I see one would be to have your son be the owner as you mentioned. The other is to own a policy on yourself that will never exceed the $2000 mark in cash value.
Talk to an independent agent about this once you clarify the Medicaid requirement for life insurance. Good luck. |
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Life Agent
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OK, first of all Term is NOT the way to go. What you need is a whole life policy. If you go to the funeral home you will end up paying more then you would if you went to a insurance agent. That is where you will get your best price. Do not buy Variable, Modified or Universal Whole Life. You can lose money in these products. Sorry if someone reads this and sells that type of policy. You are not truly serving your customer because the product can lose money, and you know it. You want protection and that is where Whole Life shines.
I am a licensed life agent. You are going to have to have a medical exam. You can own the policy or you can assign owernership to someone else. You can pay for it, or he can pay for it. But you will have to have a medical exam.
You might be looking at $50 a month, maybe more depending on health history and current health.
As to the person who said that the insurance people buy nice cars, etc.... Well let me tell you a secret. Whole Life policies someone gets paid. Some will get a check. Term policies is where the insurance companies make their highest profit margins. The basic stat is 3 out of a 1000 pay. The percentage of whole life that pays 1 out of 1. Which do you think the insurance companies want you to buy. Yes agents would make more on whole life because you are paying more. Yeah that is a fact. But go backt o 3 out of a 1000 versus 1 out of 1. In the end your family gets a lot more money then the commission paid out.
One more fact when you want to consider term versus whole life. Do you know who owns the most whole life insurance in the world? His name is Warren Buffet. On of the wealthiest men alive. He is worth over 55 billion dollars. He will tell you that the foundation of any personal fortune starts first with whole (permenant) life insurance. So get yourself a whole life policy that you can afford.
Check with Medicad first, but sometimes they will allow you to purchase a whole life plan and list the beneficiary as any funeral plan per intent. Doing this shows the state that your purpose is burial and no other intention. But check with them first. Tell them what you want the policy for, they might work with you. |
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sexysaraxx
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there isnt |
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Mr. Prefect
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You are talking about what's called final insurance, which is usually no more than maybe $20,000, enough to bury you, and pay for all things associated with it. Cost depends on age and health conditions, and either way, is costly. Be prepared. |
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