 Wondering about the Gerber life program.? |
| I'm looking for a good life insurance policy for my 7 month old daughter. I want something that she can eventually take over and will be a decent size for her. I also would like the premiums ... |
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 Never ask your Insurance Company if you are covered for a specific item.? |
According to my Insurance Company (The Post Office) this is regarded as a claim and will be on your policy for five years!
Has anyone else had this experience?... |
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 Choosing between Nationwide Life Insurance or MetLife Insurance. I am not sure how to choose the right compan |
| Choosing between Nationwide Life Insurance or MetLife Insurance. I am not sure how to choose the right company. I'm planning to buy both life insurance for myself & husband but I want to ... |
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 What happens to a mattress when it is dried out after being soaked completely through? |
| Due to a major water leak from the apartment above my apatment was flooded with at least 1 " of standing water. My bed was soaked through to the box spring beneath it. What is the hazzard of ... |
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 Insurance policies typically define words used in the policy to:? |
Choose:
eliminate coverage for certain losses
exclude any other meaning of the word
limit the insurance company's liability
clarify what the insurer intends to ... |
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 Can specialists help my family choose our health plan between our two employers? |
| Open enrollment for both our employers (in California) is early Nov. It's very exhausting to analyze all the health plans. What kind of assistance is available? Are there "health plan ... |
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 Benefiaciary question? |
| If the primary benefiaciary of an insured policy diesprior to the death of the insured and no contigent beneficiary has been named,should the insurer be allowed to keep the death benefits? If ... |
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 I need to purchase private insurance, but do not want to pay a HUGE premium does anyone know of a company? |
| It would be for me and my five year old soon. I would probably like my deductible to range from $500-$1000. If you have any info please give me contact information for the company. Thanks!!!... |
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 Real estate question, legal issues....? |
| My mother sold her house 2 years ago. The first time she tried to sell it 3 years proir she had it inspected and nothing was found, she was even offering a warranty at that time. She had major ... |
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 What would be the average pay for car insurance per month? |
| i am 18 years old and my parents dont want me on there car insurance because they dont want to be liable .what would be the average pay for car insurance per month if i went on my own for the first ... |
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 If a person passes away and was part owner of a real estate property, can hospital take the property? |
| When the final hospital bill is not paid, and the patient passes away, then does the hospital have a right to take the house even though someone else owns the other half of the property? And what if ... |
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 Will the other guys insurance company have to pay for my medical bills? |
| My 2000 Ford Explorer was rear ended by a tractor trailer. There was only a scratch on my bumber. The tractor trailer was only going about 5 mph. My neck has been bothering me since the accident so I&... |
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 Do you think that critical illness insurance is a good investment? |
| This is a type of insurance that pays you, if you have a heart attack or are diagnosed with cancer. If one does not suffer or die from certain illnesses, then one's beneficiary is given the ... |
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 Medical proceedure is very nescessary but insurance refuse to cover it. How can I appeal? |
any one out there famliar with or work with insurance companies on arbitration of a reconstructive proceedure?
United Health Care has denied two seperate claims to repair my severe belly button ... |
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Shooter | When insurance companies take blood and urine before ok-ing a life insurance policy what are they looking for? |
I am taking out a $450,000 life insurance policy and wanted to know why the tests were so intrusive? I don't smoke or do drugs and I am both HIV and Hepatitis negative. Are they looking for STD's, blood diseases, what? Just curious.....Thanks. |
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Chris C
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They essentially are looking for any elevations that could be related to disease or foreign substances (drugs, alcohol tobacco etc).
These tests can reveil things like liver disorders, substance abuse problems, blood born diseases (like cancers, etc), or just plain old unhealthy lifestyle issues (high blood pressure, high cholesterol, etc). All of these factors can increase the risk of death at some point, so they want to make sure they aren't handing over half a mill. to a dead man walking. |
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hadley2120
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The insurance company is looking for anything that may affect your longevity, how long you will live.
Some of the more common things they look for are HIV/AIDS, Diabetes, high cholesterol, sexually transmitted diseases, chronic illnesses, hepatitis, and any other blood diseases.
The presence of any of these diseases may reduce your potential lifespan, so the presence of these would result in either a higher life insurance premium, lower coverage available, or possibly being denied coverage from a life insurance company.
I hope that helps. Best of luck to you.
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SmartA$$
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They are looking for all kinds of things. Cholesterol levels, drugs, diseases, etc. They are looking for anything and everything you can imagine that could make you a higher risk of dying before the policy expires. |
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MissV
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As most have alluded to, they want to lessen the odds that you will die prior to them receiving enough money from your premiums to make a profit. In other words, your monthly premium could be $200 month (especially if it's a whole life policy and you're a male under 50). If you suddenly 'succumbed' two months after the policy is in force, then your beneficiary would get $450,000 for a cost of $400.
So if you have a blood disorder that might lessen your good health, then they want to know. They may also do a credit check to be sure that you aren't so much in debt that you'd hire a top gun to do you in so that your estate bills can be paid. |
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DerangedBaboon
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all kinds of things.. |
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Insurance Pickle.com
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They are looking to make sure that you don't smoke or do drugs and that you're not HIV positive.
They're also looking to see what your blood and urine contain...what your cholesterol readings are, sugar readings. Basically all the readings they can to assess the risk that they're taking.
For real 'healthy' folks - cholesterol is the one that keeps them from getting the best rates. Look in the blogs on my site for tips on applying to get better blood/urine readings and while you're there you can quote ~150 companies to make sure the company you chose is competitive. Many online places only about a dozen companies so they don't always have the best rates. |
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