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nursingisbeautiful | Will any life insurance company insure my 75 year old grandfather.? |
i jsut found out that my grandfather does not have any life insurance to help the family take care of his funeral and other expenses he will leave. I am the wise one in the family and would like to take out an insurance policy on him so that the family will not be left to figure out how to pay for funeral expenses and expenses he will leave behind. Do you think it is too late? i am wondering who will insure him at this age? Thank you. Signed COnCERN.
Additional Details
By the way, I live in Georgia and my grandfather lives in South Carolina. |
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Faye H
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The chances of finding life insurance for a 75 year old are somewhere between remote and slim. His life expectancy at this point is only a couple more years. No insurance company is going to issue a policy knowing they will probably have to pay out within a year or two.
If he has any assets, pay his funeral expenses out of that. All of his assets will be presumably sold to pay off any other bills he leaves behind. |
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J. B
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A funeral policy is the best way to go. Forethought is the top funeral insurance company followed by Homesteaders.
Call any funeral home and they will not only sell the insurance but also guarantee against inflation of his funeral price. |
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golferwhoworks
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no |
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ftwrk130
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hows his health yes there are types of ins that will cover him what state are u in that will help me to tell u your options |
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Wendy S
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You can absolutely find a small policy to take care of your grandfather's final expenses.
State Farm has a policy called, appropriately, a Final Expense. If I remember correctly it's $10,000 coverage and there are very few eligibility questions, so it's pretty easy to qualify.
We purchased this policy for my Mom(for the same reason as you) when it was only a $7500 death benefit. It's more expensive than a standard policy (because you don't have to be completely healthy to get it) but really it's not bad at all. I think we pay $65 a month for the $7500 policy - but we did take it out when she was 58 or so.
There are other companies that sell similar policies, too.
Good luck! |
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Fred G
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If you need help email me and I will help you out finding acompany |
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Annie G
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I am not sure which life insuance company will insure your grandfather you should call and ask some. I know that the persons health, weight, age , and wether they smoked or drank acohol affects there eligibility. And if they do insure your grandfather there a two year incontestability clause. This means that if your grandfather dies after two year they cannot contest the life insurance and have to pay. If he dies before then they can and can refuse to pay for buriel. If he has serious health problems that miight affect whether he can be insured.
There is another option your family can take. You can visit a funeral home and pay for the srvices before hand. They can give you a payment plan. it wont be cheap and long term but you can start paying for it ahead it time. so that its there when you need it. |
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laneseymour
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Interesting range of "opinions" in the "answers." As an agent of a major carrier I can tell you for certain: it depends. We insure people in good health well into their 80s. Life expectancy is simply a statistical construct that says 50% of a target population (gender, age, health category) will have died by that age. Life expectancies for a 75 year old male range from around 90 to less than 80 depending on the rating assigned by the insurance company. Best advice: in the absence of serious medical conditions ask your grandfather to be evaluated (underwritten) by a reputable company (or more than one). There would be no cost to him to find out what kind of offer(s) the company(s) would make. Hope this helps, and best wishes! |
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toby
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you should be able to get a burial policy for him with most reputable companies for up to about 15K. not gonna be able to do much else at this stage. most companies don't sell term policies past age 65. |
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lifestar
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Absolutely you can find a company that will insure him. Obviously the big factor is his health. Has he had any heart trouble? Diabetes? Kidney problems? Stroke? Cancers? Those are the main concerns in underwriting. The average cost of a funeral these days is $15,000. If he is in decent health, his life expectancy won't be an issue. 60% of our clients are over the age of 70. In a recent case we obtained a $50,000 policy for a 72 year old male who had valve replacement surgery on his heart 5 years ago and the premium was $2400 per year. Those premiums are guaranteed, and will never increase. The insurance company was "A" rated.
Work with an agent who has experience working with the senior market. They will know what companies would be ideal for your situation
If you want more information, contact me at info@qwestllc.com
Licensed in 48 States. |
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