 Is anyone worried about there identity ??? or looking to know how to protect your identity???? |
THIS IS GOOD FOR YOU IF YOU ???
DO YOU HAVE TEENAGE DRIVERS?
DID YOU JUST BUY A HOME?
YOU OR SOMEONE YOU KNOW HAS BEEN A VICTIM?
DIVORCED?
CUSTODY OR CHILD SUPPORT?
SPE... |
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 I'm retired,divorced woman, w/$150,000 assets.Is life ins $100,000 good idea to get now to leave to 3 kids |
I am in fairly good health. A 20 yr policy will cost me $99 mo
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 How much "pain and suffering" money to expect from an insurance settlement? |
| My wife was hit by another car about a year ago. She broke two fingers, which sounds trivial, but they were broken quite badly. She had one surgery where pins were inserted to heal the bones, and ... |
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 Insurance Types? |
Is there a type of insurance that covers any type of damages you cause? Specifically destruction of a mattress.
Additional Details
Destruction of a mattress not owned by you, :P... |
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 Am I able to take my Series 6 and 63 exams on my own and are the tests the same in various states? |
| I want to become an insurance agent. I know i need the 6 and 63 licensing and I want to go ahead and take the test now. However, I am not sure if the licenses are accepted in every state. I guess I ... |
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| i currently am insured with geico, but i just got a quote through progressive and they gave me a better deal. i have had geico for only a month, and now i'm convinced i wanna change it. I'm ... |
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 National insurance co-operation company of great britain? |
| has anyone in the uk ever heard of this insurance company if so please tell me how i can get in touch with them i have this address but i don't know if its real or fake can someone help find the ... |
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 Do I need to wait for my current insurance policy to expire before I go with a new company? |
| I want to switch to a different insurance company for my cars & house (currently with State Farm) but I have a while until my current policy is up for renewal/expiration. Can I cancel my current ... |
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 Can i add my neice to my health insurance? |
| my sister doesn't have a job and of course her and her daughter doesn't have health insurance. she asked me to put her daughter on mine. i don't have a problem with this but can i ... |
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 Any insurance people out there who'd like to help me figure out what health insurance to get? |
I guess I could ask someone at an insurance company, but I'm trying here first.
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 Engagement ring insurance? Has anyone done this and how? |
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 Hospital Bill... what to do? |
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 Does insurance cars have the right to investigate old inusrance policy with other companies? |
Does insurance cars have the right to investigate old inusrance policy with other companies?
Hello, My car was stolen from me and did not get anything from insurance company because I was not ... |
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vivalafool | What options do I have for life insurance after being declined 3x's now for a pre-existing condition.? |
I am 35 now and had 2 stents implanted 3 years ago. Aside from that, my health has greatly improved since the procedure. My cardiologist even approved me to compete in tri-athlons. I applied for term insurance each year since and have been declined each time. Is it too early yet? I heard 5 years is when companies start considering.
What options do I have? Should I buy a few smaller policies that require no medical? |
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Chris C
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Many times 5 years is a common window to reapply, but it depends on the condition or reason you were declined. Some companies won't insure people period for certain conditions, etc. Every company has different underwriting requirements
As far as what your options are:
Definately going through a broker is your #1 best option. They will have access to multiple companies and can do the work of contacting each company, explaining your situation and finding one that would give you the best chances of approval.
Some companies offer what's called Gauranteed Issue insurance. There is no medical underwriting, so it doesn't matter what your medical history is like for the most part. Many of them have a "pre-existing conditions" clause that is waived after a certain period of time (IE: after you've had the policy for X years the pre-ex. condition is no longer a factor in whether it will pay out or not). |
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mbrcatz
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You need to talk to a high risk life insurance broker. You're a high risk kinda guy.
I don't think you'll EVER be finding life insurance with a non-high risk kinda policy. In other words, this is going to cost you a TON of money. |
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aaron p
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High risk guy here: I'd be able to find you coverage for everything besides natural death right now. Getting several guaranteed issue policies and stacking them is a possibility, albeit a very expensive one. I don't sell that stuff.
After five years from your date of last treatment, you should still expect offers to be rather high from insurance companies that traditionally do well with cardiac issues, like West Coast Life, Prudential, and Transamerica. That is under the assumption that you continue regular cardiac check-ups with good results, the actual condition you were being treated for, how they discovered it, and so on.
Also, in a couple of years, these companies could change. That's why working with someone who has their ear to the ground is a good idea.
Interestingly, this wouldn't be such a big deal if you were in your 70's or 80's because you'd already be that much closer to your expected mortality. |
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Don
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Probably buying the smaller policies with no medical is the best way for you to go for now. Perhaps in 2 more years some of the larger companies will consider you for coverage. Remember insurance is a for profit business and they are betting that you will either outlive the policy or cancel it before you die, that is how they make money. If there is any reason that makes those odds not in their favor they will pass. |
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mrsdeli
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Definately go for the smaller policies that require no medical. Apply every year for a better term policy. You may never be eligible for a larger term policy but I would keep applying...you never know. |
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