Does anyone know of a good life Insurance Company without medical exams?

Does anyone know of a good life Insurance Company without medical exams, and one that will allow you to get back all your paid premiums at the end of the term, if there is such a thing like that? Also one that want drop you when your term comes to close just because you got very sick 10, 15, 20 years later.

Thanks

In my experience with insurance companies that doesn’t do medical exams, they tend to have very strict rules in their policy. For example, your health status must not change throughout the term of the policy. In most cases, there is no guarantee they will ever pay out (but they won’t say that to you. You have to read the policy to find that fact out).

There is a term insurance that returns your premium and thats called ROP Term Insurance. This will cost more than a traditional level term insurance. These types of policies also have strict rules such as you must not miss any premiums or the amount you will get back will decrease or the policy will terminate without you getting anything back. Basically how this policy works is that the company will take your premiums and invest it so that they can actually pay all or some of the premiums back to you at the end of the term. Most ROP Term insurance policies build cash value as well.

I would just get a regular term insurance and invest the difference yourself. The amount of savings you will build will be far greater than the total amount you have paid into the term at the end of the policy.

Where can I find affordable life insurance for sr citizen in-laws?

I read a previous thread suggesting MediCare, but I am not talking about HEALTH insurance. They only have term life insurance tied to current job, and they need to retire. They have no burial policy, and each is worried about leaving the other with burial expenses and debts. I have seen a few ads online, but when you get to the fine print, they seem mostly like scams. They probably wouldn’t get a very good rating if a health exam were required. Probably $15 -$25K max would be the amount needed. They live in Texas if that matters.

American General (AIG) Has the most competitive senior rates You can use this site to compare with other insures rates

http://free-best-life-insures-comparator-usa.blogspot.com/

Genworth UL Lifetime FlexPLus?

I am shopping for a life insurance plan for a 18 child. Agent came by and gave me a great quote on a Genworth UL Lifetime FlexPlus. He states that I will pay flat rate of $15 month for 20 yrs and after words it will have a DB for life up to age 101. Is this possible at such a good rate? I’m not to worried about building CV just a death benefit. Is this true with this plan? I can pay $180 a yr for 20yrs and have a truly paid up policy for life.

The Genworth policy you mention is a good policy, and if it is being illustrated based on the guarantees, it is possible to get a lifetime guarantee.

Look at the illustration – about 9-12 pages. The numbers pages in the back will tell you. On the left side are the guaranteed premiums. Check to see that premiums stop when you indicate, and look at the death benefit column to make sure it continues for life.

If my ins co got wind that i have a younger brother in the house, and I went with another company?

Ok… Stupid me, trying to be nice and help my younger brother out… I did a "what if" quote with my insurance company and since he lives in the same house, they automatically put him on my policy, and i’m gonna be raped as far as rates. I told them to remove him or I’ll drop them. They refused, so Im shopping around.

If I leave this dump of a company, and go with another company, is there any way for this new company to find out from my old company that I have a brother in the house? Is there any way for this new company to find out (aside from me telling them- WHICH AINT GONNA HAPPEN)?
This time Im keeping my mouth shut… I learned the hard way.

Ok, some of these answers on here are right. There is a way for an insurance company to see drivers in a household, but it’s not always correct. You do have the option to exclude him from your policy so that there would be no coverage should he drive your car. If he were to get his own insurance, some companies just want to see that he has it and then won’t charge for him. But it might be cheaper to have him on with you if there are multiple cars in the household. If there is an old car that only needs liability coverage, his rate won’t be so bad. He can be rated on the cheapest car. It is the insurance company’s job to know all of the licensed drivers in the household. There are so many people out there who don’t list the young drivers because of the rates, but then when there is an accident, they want it to be paid. This type of fraud is just one of the many reasons rates are so high. You can choose to not disclose him, but should he have an accident, they can still pay out on it, but then they will definitely rate him after that. Remember the registered owner of the car is responsible, so if anything should happen, it can come back on you and your assets are at risk.

Would someone explain the deductible/OOP?

Why apply over the phone? 10 minute enrollment * Instant Approval * Underwriting Advice * ID Cards

Plan Benefit Summary OneDeductible PPO Elite

Monthly Premium 139.90

Deductible Benefit Summary
2,850

Office Copay No

Coinsurance / Maximum Out-of-Pocket 80% (OOP: $2,000)

Lifetime Maximum 25Mil

PPO Network HLK – www.healthlink.com
Don’t see your doctor or hospital in this network?
We have more than 80 PPO networks to choose from.
To customize this plan with a different PPO network call us at 866.425.3341

Maternity Coverage No Coverage

Outpatient Maximum

HSA Ready Yes

Plan Description The high deductible health plan with a single deductible for the whole family

Preventive Care / Wellness / Routine Physical Subject to the integrated deductible and plan coinsurance. Benefits for preventive medicine services are limited to a maximum calendar year benefit of $1,500 per covered person. The maximum will not apply to routine mammograms, routine pap tests, routine annual prostate specific antigen (PSA) tests, the annual exam for detection of prostate cancer, child screening tests and diagnostic follow up care for hearing loss, and child immunizations. Child immunizations are exempt from any deductible, copayment and/or coinsurance provisions. Child screening tests and diagnostic follow up for hearing loss are exempt from any deductible. If the Optional First Dollar Preventive Services Benefit is purchased (where available), the plan deductible and coinsurance will be waived for the first $500 of covered services performed by a participating provider for each covered person per calendar year after a 12-month benefit waiting period.

Doctor’s Office Visits Subject to the integrated deductible and coinsurance.

Outpatient Lab Tests & X-rays Subject to the integrated deductible and coinsurance.

Outpatient Surgical Subject to the integrated deductible and coinsurance.

Prescription Drugs Subject to the integrated deductible and coinsurance.

Inpatient Services / Hospitalization Subject to the integrated deductible and coinsurance.

Emergency Room Services Covered charges are subject to the integrated deductible and coinsurance.

Ambulance Services Professional ground or air transportation in an ambulance for a covered person who needs emergency treatment for a sickness or an injury to the nearest acute medical facility that can treat the sickness or injury. The ambulance service must meet all applicable state licensing requirements. Subject to the integrated deductible and plan coinsurance.

Rehabilitation Services Inpatient: subject to the integrated deductible and coinsurance. Benefits are limited to a maximum calendar year benefit of 90 days per covered person. Outpatient: subject to the integrated deductible and coinsurance. Benefits are limited to an outpatient physical medicine services maximum calendar year benefit of $3,000 per covered person. Outpatient physical medicine services (rehabilitation services) include benefits for chiropractic care.

Chiropractic Services Subject to the integrated deductible and coinsurance. Benefits are included in the outpatient physical medicine provision which has a combined calendar year maximum of $3,000 per covered person.

Mental Nervous / Substance Abuse Subject to the integrated deductible and 50% coinsurance for participating providers, 70% coinsurance for non-participating providers. $2,500 calendar year maximum.

Complications of Pregnancy Covered charges are covered the same as any other illness.

Calendar Year Maximum None.

Plan Exclusions Exclusions consist of the following, but are not limited to: illness or injury caused by war (whether declared or undeclared), commission of a felony, attempted suicide, influence of an illegal substance, or a hazardous activity for which compensation is received; routine hearing care, vision care, surgery to correct vision, routine foot care or foot orthotics, except for podiatric appliances for the prevention of complications associated with diabetes; cosmetic services; routine dental care unless the dental insurance option is chosen; diagnosis and treatment of infertility; maternity and routine nursery charges unless the maternity option is chosen; growth hormone stimulation to promote or delay growth; genetic testing, counseling and services; charges to treat sexual dysfunction or inadequacy or to restore or enhance sexual performance or desire; over-the-counter products; charges related to "quality of life" or "lifestyle" concerns including, but not limited to: smoking cessation, obesity, hair loss, or cognitive enhancement; charges incurred due to a pre-existing condition until you have been continuously insured for 12 months (unless the condition has been specifically excluded from coverage).

Pre-Existing Condition
A Sickness or an Injury and related complications:
1. For which medical advice, diagnosis, care or treatment was sought, received or recommended from a provider or Prescription Drugs were prescribed during the 12-month period immediately prior to the Covered Person’s Effective Date, regardless of whether the condition was diagnosed, misdiagnosed or not diagnosed; or
2. That produced symptoms during the 12-month period immediately prior to the Covered Person’s Effective Date which reasonably should have caused or would have caused an ordinarily prudent person to seek diagnosis or treatment.

A pregnancy that exists on the day before the Covered Person’s Effective Date will be considered a Pre-Existing Condition, subject to the Pre-Existing Condition definition. DEF: 500.002.TX

These rates are only valid for policies issued with effective dates from 5/1/2008 to 5/28/2008. Rates quoted for more than 30 days in advance of the effective date are subject to change and are not guaranteed. This proposal is not an insurance contract. Only the actual contract provisions will apply. Final rates may vary slightly due to the rounding process. The effective date on the quote does not guarantee coverage and is subject to change. The preferred rates are subject to final underwriting approval. Applicants may be subject to a pre-existing condition limitation on benefits. Refer to the certificate of insurance for terms and conditions.

For applicants under age 40, to qualify for preferred rates, cholesterol readings, if known, must be under 220 and blood pressure readings, if known, must be under 140/90 bp.

Preferred rates are not available to every customer. Generally, you must be in good health in order to receive the preferred rate. These rates are determined and subject to change based upon your application and medical history, our underwriting requirements, and any additional benefits you may select.

Well done by Christine R.
You also need to know this plan is a Qualified High Deductible Health Plan which makes it HSA compatible. That means you can open a Health Savings Account and deposit up to $2,850 each year. The deposit is written off your taxes just like an IRA. If you spend the money on qualified expenses the account remains tax free. If you don’t spend the money it remains in the account for future use. Qualified expenses include the decutible, dental, vision over the counter medications, etc.

This plan has a lifetime benefit of $25 million most other individual plans cap at $5 million

Michael,
The HAS’s actually cost me ( the broker) money. High deductible plans have lower premiums which = lower commission.
The HSA bank account provides no benefit to the broker/agent and saves the insured hundreds if not thousands over traditional plans. I suggest you learn about HAS plans if you are going to comment on them. I woul dbe glad to run you a quote you can use to compare to health link.

http://www.hsainsider.com/

What must she do now? 2 policies one was cancelled and the other wasn’t, now she has a letter from DMV….

My niece lives in NY. The car she has is registered and insured under her mom. Apparently she decided to get an insurance quote from another company and set up a policy. The company decided to raise the rate a few days later ($380) so she cancelled it. The car was still insured under her mom’s original policy, it was never taken off. Her mom was waiting to find out what she wanted to do b4 taking the car off. Now dmv sends notice that insurance is cancelled but the moms insurance just sent the cards in the mail. It doesn’t say which policy it cancelled. Is this something easy to clear up? Or are there going to be some issues?

Well, the issue is, the insurance companies upload the info to the DMV. As soon as the new policy was issued, it "overwrote" the old policy. So when the new policy was cancelled, the ONLY policy the DMV had on the car looks cancelled.

She’s going to have to call her agent, and have the OLD company "upload" to the dmv, the registration information, and verify insurance coverage for her. She can ALSO call the dmv, and I believe in NY you can go online, and type in the correct insurance information, and they’ll give the insurance company 30 days to "upload" the information again.

So it’s not a huge deal, but she WILL have to be faithful about following up to make sure everyone does their part.

If women get low car insurance rates, because they are rated as a group, shouldn’t men have low medical rates?

Women get low car rates b/c they, as a group, are less likely to have accidents. Feminists quote this fact all the time.

Yet women live 8+ yrs. longer than men, and spend the last years of their lives using numerous and costly medical resources. Women use ~50% more medical resources than men.

Why, then, aren’t women required to pay higher medical premiums?

Why aren’t feminists marching on Washington demanding that women pay more? Oh, sorry … I forgot. Feminists say they want equality, but their actions show different.

Because modern feminists don’t want THAT much equality. They want just enough equality to benefit them.

Where is the best place to look for life insurance for a 73 year old without exams?

My father is 73 years old and is diabetic (takes daily shots). I would like to take out a life ins. policy on him, but know nothing about it. I am assuming term (maybe 5-10 years) would be the best route to go. I am also looking for a policy/company that would not make him take any type of medical exams, etc. Looking to pay the lowest premiums possible. Have not decided on the amount of insurance, but am not really looking for anything more than a $30k policy. Can anyone help steer me in the right direction?
Serious replies only please – Otherwise you are wasting time for both of us.

First of all, keep in mind that any time you purchase coverage which is intended to be kept in force until the insured’s death, term is never appropriate, no matter the age of the insured. But in this case, it’s a moot point, as term would not likely be an option for your father.

The best policy for this purpose would probably be a single premium guaranteed issue whole life. Probably the best such product I’ve seen is a maximum $25,000 policy issued by Gerber Life. The premium is quite reasonable given the guaranteed issue. The only catch is that it pays a reduced, but still worthwhile, death benefit if death occurs in the first two policy years.

Above all, be sure to get professional guidance; and remember that only bona fide financial advisors and planners, not insurance agents, are qualified to give such guidance.

Have you ever been depressed, stuck, eager to turn it around, but weren’t sure how best to go about it?

I’ll start by saying that this is a genuine question with the aim of drawing suggestions from others’ experience and strength, and I thank all genuine respondants from the bottom of my heart in advance. I will apologize, in advance, for its length, but I need to get it out, so I will use whatever resources I can to effect that, including edits. Those who have nothing intelligent to say, I implore you to move on to another question, as I can assure you that there are plenty of unintelligent questions out there begging for unintelligent answers. Contempt for blatant stupidity is a signature trait in any personality profile one might choose to construct for me.

I am a 37-year-old man who is married to (who I think is) the most wonderful woman I could hope to meet. I am deeply in love with her, and despite my own first-person concerns, she is the main reason I am reaching out to others in hopes of discovering (or, perhaps, being reintroduced to) ways to help turn around my situation.

I have been a chiropractor since 2003, and without going into a lengthy exposition as to my rationale, I have decided that I cannot practice chiropractic without violating my conscience. I have not practiced since October 2008, and I have since inactivated my license(s) to practice. My intermediate-to-long-term goal is to secure admission to medical school and to pursue that avenue, hopefully in a way that allows me to expand upon and integrate what I already know. I am very lucky to have married a woman who supports this position and, in fact, admires me for it (which is something I’m not sure I understand fully, considering what I put into it). My difficulty arises from what has been the short-term since discontinuing chiropractic practice. It is primarily economic, but my disposition, as a result, is turning me into someone I don’t like, and I know it has to be making it harder on the woman I love on a number of levels.

Economic prospects for most new chiropractors are bleak; I am happy to dispute virtually any governmental report that states otherwise. They aren’t the ones saddled with over $120K in debts with most employment offers (when they’re available) in and around the $36K-$40K per year range. Dave Ramsey has a word for people who take out those kinds of loans to earn that kind of salary: “stupid.” How I wish I had been a Dave Ramsey listener 10-15 years earlier with a better glimpse of the future. What I thought was a profession largely on the up-and-up is truly replete with criminals and deviants of a multitude of backgrounds. Making the decision to walk away from chiropractic wasn’t easy, as it involved me looking back and realizing that I made a major life decision based on recommendations and a gross dearth of facts and figures. I owned up, though, and decided to chart a new course, as it was the only way I could make things right in my mind. My short-term goal was to work on securing employment in the interim so as to maintain some form of income while fleshing out what would become my longer-term plan.

Employment opportunities for people who have a chiropractic education, I have found, are considerably scarce. I know that jobs, overall, are scarce now, but even more so for characters as pigeonholed as chiropractors. Prospects either wonder why on Earth you’d be applying at their establishment or they think you’re beneath pond scum. Either way, focus is taken off your need to work and placed on why you’re not in the field you studied so hard to enter. Any discussion that ensues derails the goal of getting hired even further.

I have been trying to attain employment in areas that would generally leverage what I already know, such as doing insurance exams for life insurance applicants. I’ve gone through their training, but they have yet to contact me to get me started, despite my patience and continued contact with them. And, by the way, it has nothing to do with a background check, as they wouldn’t have gotten me started with their training if there was a concern that came back on the report.

As we are in the process of refinancing our house for a lower interest rate, a friend suggested I look into becoming a contract mortgage closer, which doesn’t require any formalized training, according to her. I am looking into this, as well, but the process of gaining the necessary certification/credentials, despite not requiring formal training, is a time-consuming process, which, despite that truth, I have begun.

Not having meaningfully worked for a long time has truly worn on me and has deeply affected my mood and disposition. I don’t snap at my wife or anything, but I have become increasingly withdrawn and seemingly unable to say anything because I know that anytime I open my mouth, nothing positive is going to come out. I personally feel like a human concrete weight, and it is slowly (but ever more rapidly, lately) killing my soul.

Of course, I thank God for the fact that my wife is in (what seems
to be) a good job and we haven’t really gotten behind. It’s the small things I notice that serve as a reminder that I’m not pulling my weight, for reasons within or beyond my control – I don’t even know at this point. For example, the other day, she mentioned that she needed some of her work pants hemmed, and she wanted to take them to a local cleaner to have it done, but when she saw our bank balance, she got really quiet and somewhat distant. After some time, I was able to elicit from her that she is frustrated with our situation, but that she feels badly for even feeling that way. I know she didn’t want to say anything for fear of hurting my pride even more than it already is as a result of my situation, but I really hate not knowing what’s bothering her. I’d just as soon have her tell me flat-out and risk hurting my feelings. I’m from the Northeast, originally; I like to know where I stand with someone, even if it isn’t in their good graces.
Anyhow, the bottom line is that I believe that I am getting to a point of depression where it is beginning to interfere with my ability to function and my will to reach beyond my borders. I know, cognitively, that is counterproductive and I am considering seeing a physician regarding possible antidepressant therapy (God, who isn’t on that crap, nowadays?!), but in the meantime, I’m hoping that someone who reads this might have been in a similar situation (well, no, I’m not really wishing that on anyone – it’s just that if you’ve been there … you get my drift) and was able to find their way out of it successfully. I feel very disinclined, at the moment, to move. I feel trapped and very alone, despite the fact that I share this house with the most wonderful woman I know. I know this has to be indescribably hard for her, too, even just to watch.
I want to do what’s right for both of us. I don’t want to let myself or her down. I need some feedback and suggestions, and that’s why I put my life of late out there for all in Yahoo! Answers-land to read. I almost fear what may come back, but it’s a chance I’m willing to take. That far, at this point, I am willing to venture.

Again, I apologize for the length of this diatribe, but if you’ve made it this far, I would think you have a heart of gold, and I would be interested in your take, your feedback, your thoughts, and your experience, that which you would share.

Thank you so very much…

i’m sorry about your situation..
i think that you should just keep your mind and thoughts in today.
think about how the animals have no concept of time….if you have made a mistake, then it is already behind you. think of how hard you are going to work to make this moment great. and i’m not talking about in the long run, because if you have big aspirations, and they don’t follow through, or you get let down…then that only makes you more depressed.
in no means am i saying that you are self centered, but to get your mind off how you feel and your depression, think of others. think of their behaviors and do not get mad whenever you think you have dissapointed them. try to explain to them your point of view, because if you think about things the way i said above, then you will have like no regrets.
god bless, and i hope i could help.

Does anyone know how to find a clinic or doctor (low cost of course) for someone who is not insured?

My daughter is 23 and works as a waitress so she has no insurance benefits. Until she turned 23 she was on my husband’s policy. She has hypothyroidism and needs to get meds to regulate it. I have tried every search engine I have found and all I keep coming up with are people who want to give quotes on health insurance. I’m sure there must be someone out there who treats patients without insurance at a lower rate. Anyone have any ideas??? She lives west of Chicago if that helps.

This is a sorry state of affairs isn’t it, when people who work cannot afford healthcare, but those who sit home on the dole get it free. I would suggest calling the health department in you town to see what options are available. Next would be a county hospital. Most doctors will give a better price for a cash-paying patient who has no insurance. If you call the pharmaceutical companies, they sometimes have "compassionate use" programs whereby they give prescription medications free or at a greatly reduced price to those who cannot afford medication but must have it.

Good luck!

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