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Urszula D | Where can I get a life policy at 60 no medical check up as advertised on tv? |
I need a policy on my life. I heard it on TV a while ago - they said no medical check up. |
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spidermike
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Are you in the UK?
If so try Lloyds policy through scottish widows. Its a policy that pays out in full if you get a life threatening illness of any kind. e.g Heartattack stroke etc etc
I didnt need a healthcheck but im younger than you.
If you have previouse good health you should be ok. Im sure if your not in good health you can still get cover and a health check up but it might cost a little more but thats life jim! |
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tateronmycouch
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There are several in the U.S (I don't know where you hail from). You could try checking with AARP. I know that they offer very low cost health and life insurance. Their website may have different companies from which you can obtain life insurance, also. Most of which will have no medical exam. |
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SafetyDancer
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Non-medical life insurance policies (no medical exam required)for older people are generally referred to in the trade as "burial insurance" or "final expense" insurance. It seldom has a death benefit greater than $25,000, but some companies will issue higher than that at your age. The policy is a permanent plan of insurance (not term) and the premiums must be paid to keep the plan in force. The rate classification is set and underwriting is "pass-not pass" in that if you answer "no" to several key, or "knock-out" questions, you qualify for coverage.
AARP offers a plan that is underwritten by New York Life. I think the cap on the death benefit is $15,000. That's good enough to take care of paying for funeral costs and maybe even pay off a little left over debt. There are not face-to-face meetings with an agent for this coverage - it's all done over the phone. You should sign up with AARP ($12/yr.) in the process.
Other insurance of this type can be gotten from an independent agent maybe at a better cost-per-thousand-dollars of coverage than the AARP/New York Life plan. The one not mentioned by others answering here that I like is Transamerica Occidental Life's plan. An independent agent can shop around and find the best one for you.
Understand that there is very little compensation to the agent for this type of insurance. Commissions are low. So, if you do use an independent agent and s/he does a really good job for you, be sure to send your friends to her/him. That's the best way to reward good service from an agent that helps you save money. |
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duncanjfield
 |
axa sun life.
you can only get a small amount of cover though, they are usually called funeral plans.. |
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dink2006
 |
AXA Sun Life/Also try Life Policies Direct telephone 0870 142 2823 they should be able to track one down to suit your needs.Plus there are many on the net try a search for personal Life Cover there are many. |
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danielsexton17
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AARP has an insurance plan like this that is underwritten by New York Life.
It's called AARP Guaranteed Acceptance Life
There is no physical examination required, and no health questions to answer. Coverage can be retained for life. AARP members age 50 to 80 may apply for this coverage. Spouses of AARP members may apply beginning at age 45 |
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tigertiggerii
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Depends where you are at. There are several companies that can assist you in this matter. A MIB will be performed but no medical check up is required.
Let me know if you need to talk with someone about this in more detail. Good Luck. |
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Susan C
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Most companies that deal with seniors offer a guaranteed whole life easy issue policy. Usually $2500 - 25,000 depending on your state. There are no medical exams, and to get this policy is fairly simple. You just must answer no to about 5 health questions. Most states will offer a graded policy for folks with bad health, that states if you die in the first 2 years, your beneficiary will receive the premiums you paid in, not the death payout. After two years they get the death value. These are usually for burial and final expenses, or just to give the family a little extra to pay some bills, etc... Many people at 60 do need this type of coverage to get their family through the beginning of a hard time for them. If they'll need to fix up and sell a house, pay your burial, pay off a vehicle, etc... Very important coverage, and not very expensive. You should be able to get $5000 for about $35 a month or so. Message me, I'll tell you the questions that will rule you out for any coverage |
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Ivan R
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Hello,
What makes you think you need a life policy? (did an IFA tell you?) My guess is that at 60years most insurance companies wont be very keen to offer you such a policy unless you have an extremely good/valid reason to take one out.
OK! why do I say this? because the older you get the greater the perceived risk to the insurance companies. To put it another way, insurance companies see you as a higher risk of mortality than say someone in their early thirties. The higher the risk the higher the premiums are likely to be, if you are offered a policy.
**Your medical history will almost certaily be taken into account, especially at 60yrs old (despite the nice looking adverts & marketing on TV and in magazines).
**If you have had ANY significant or serious health problems or conditions or had any major surgery, or accidents in the last 10years then any life insurance company wont touch those things with a barge pole. For example if you have had even a minor heart problem i.e. non life threatening any life policy will almost certainly contain an exclusion clause excluding paying out if you died tommorrow of a heart condition.
**Even if you can get a life policy my other guess is that the premiums would be totally crazy and possibly so expensive that you might decide you cannot realistically afford them.
**Sorry! if I sound cynical because I am, life insurance as well as critical illness cover isnt worth the paper its written on. I havent taken out these products because of this, & I come from a medical background.
**such insurance is based on peoples fear of what might happen, but even if someone dies these policies are extremely unlikely to pay out IMO.
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