We hold no time insurance and my husband's vigour is on the way out. Is it too belated to return with a apt rate?
He is 55, smokes, has had a heart attack, and have diabetes. Please don't tell me how he needs to quit smoking etc... I KNOW THAT. It's his choice NOT to, and I'm trying to digit out what to do before he dies to protect myself. We have form ins. but not life ins. I fear that if he dies, I will lose our home and be destitute. I enjoy physical limitations myself on what I am able to do and can only work a couple of hours a morning, which translate into a very limited earn potential.
I know nothing about existence insurance. Up until a few months ago, I thought we had it through military retirement. I refuse to fake about his health to acquire a better rate.
Answers:
Sorry to narrate you, but you have the two problem in combo that will any make you husband uninsurable or their highest rate, smoking and heart disease. And be really careful for those who say they can, they might be trying to scam you, knowing you are desperate.
You can try shared life insurance (a policy with you and your husband) next to first to die. That might work.
Best of Luck
Check out AARP, they have polite policies and rates, and from what I've seen on the website health conditions are not an issue surrounded by getting a policy, AARP is geared to the 50 and older generation.
You can get small policies technically easy and cheap on-line. Most have a 2 year reduction though. Meaning the person has to live at lowest possible 2 years to get the full amount of the policy.
It really depends on the amount of coverage you want. If you're looking for a burial policy, you may be able to get it. It depends on how long ago he have his heart attack (generally 3 yrs. removed from the event). If you need more, look into an annuity with a disappearance benefit. You will pay more for the coverage, but it's better than nothing!
Base on your description, it is impossible to get a good rate. Rates that are advertise online or on TV are for people with reliable health. No matter what type of policy you acquire, cash value or occupancy, it will be very expensive for you and your husband to even get $100,000 coverage (premiums are at tiniest $2000/year).
My only advice is to look around for companies and find which one offer the lowest premium. It is better that you find out by calling the insurance company directly instead of filling stuff out online. Source(s): 231
Unfortunately, I doubt that any company would cover you know with all of his pre-existing conditions. If they do, the rate will be soaring. You might get better rates through the VA. You might also need to move about on permanent Medical Disability. Do you have kids? If so, you might want to judge about putting the house in their first name. If, god forbid, something happens, they couldn't touch the house.
Best of Luck!
They will do medical test for a life rate quote and you can't fake that. With his history it will be expensive if they don't turn you down, which is most predictable. It's looks like you need to integer something esle out.
Check AARP. They enjoy group term life (his robustness is not an issue) and your husband would qualify. Call 1-8OO-865-7927. Or you could go to http://www.aarp.org/aarp_benefits/ and check it out. You do have to be a contestant, but it's very cheap. The coverage they offer is not markedly high, but, at least it's something.
Um...he's is more than predictable uninsurable. In fact, I'd almost bet on it. But let's say I'm wrong... Even if he be, with the diseases you named AND his smoking dependence (he's likely a few pounds overweight, too...no offense), the rate would be so high it would transport Donald Trump to write the premium check. Source(s): An agent
No, it's not too late actually. Have you checked out Gerber Life Insurance? They own really good rates for adults, and I don't think his prior form condition is an issue. I really think you should look into it.
Is it too late to find a correct rate? Yes, most likely.
Is it too late? No. You can still find coverage but it will be costly.
You best bet is to bargain to one of more licensed independent agents. Tell them your situation and discuss your options. Your husband must cooperate. He will have to steal a health exam. You should first take a look at your overall financial picture especially your debts to determine how much go insurance you need.
Sorry that you waited too long to look into this.
Your best option is to look at a grade policy. It will be more expensive due to the health issues, however, you can get some enthusiasm insurance. Graded policies are available with term and integral life with benefit amount limitations. Guar. Trust Life is an example of a company that will look at this skin. Feel free to ask for more information if you so desire.
Related Questions:
I know nothing about existence insurance. Up until a few months ago, I thought we had it through military retirement. I refuse to fake about his health to acquire a better rate.
Answers:
Sorry to narrate you, but you have the two problem in combo that will any make you husband uninsurable or their highest rate, smoking and heart disease. And be really careful for those who say they can, they might be trying to scam you, knowing you are desperate.
You can try shared life insurance (a policy with you and your husband) next to first to die. That might work.
Best of Luck
Check out AARP, they have polite policies and rates, and from what I've seen on the website health conditions are not an issue surrounded by getting a policy, AARP is geared to the 50 and older generation.
You can get small policies technically easy and cheap on-line. Most have a 2 year reduction though. Meaning the person has to live at lowest possible 2 years to get the full amount of the policy.
It really depends on the amount of coverage you want. If you're looking for a burial policy, you may be able to get it. It depends on how long ago he have his heart attack (generally 3 yrs. removed from the event). If you need more, look into an annuity with a disappearance benefit. You will pay more for the coverage, but it's better than nothing!
Base on your description, it is impossible to get a good rate. Rates that are advertise online or on TV are for people with reliable health. No matter what type of policy you acquire, cash value or occupancy, it will be very expensive for you and your husband to even get $100,000 coverage (premiums are at tiniest $2000/year).
My only advice is to look around for companies and find which one offer the lowest premium. It is better that you find out by calling the insurance company directly instead of filling stuff out online. Source(s): 231
Unfortunately, I doubt that any company would cover you know with all of his pre-existing conditions. If they do, the rate will be soaring. You might get better rates through the VA. You might also need to move about on permanent Medical Disability. Do you have kids? If so, you might want to judge about putting the house in their first name. If, god forbid, something happens, they couldn't touch the house.
Best of Luck!
They will do medical test for a life rate quote and you can't fake that. With his history it will be expensive if they don't turn you down, which is most predictable. It's looks like you need to integer something esle out.
Check AARP. They enjoy group term life (his robustness is not an issue) and your husband would qualify. Call 1-8OO-865-7927. Or you could go to http://www.aarp.org/aarp_benefits/ and check it out. You do have to be a contestant, but it's very cheap. The coverage they offer is not markedly high, but, at least it's something.
Um...he's is more than predictable uninsurable. In fact, I'd almost bet on it. But let's say I'm wrong... Even if he be, with the diseases you named AND his smoking dependence (he's likely a few pounds overweight, too...no offense), the rate would be so high it would transport Donald Trump to write the premium check. Source(s): An agent
No, it's not too late actually. Have you checked out Gerber Life Insurance? They own really good rates for adults, and I don't think his prior form condition is an issue. I really think you should look into it.
Is it too late to find a correct rate? Yes, most likely.
Is it too late? No. You can still find coverage but it will be costly.
You best bet is to bargain to one of more licensed independent agents. Tell them your situation and discuss your options. Your husband must cooperate. He will have to steal a health exam. You should first take a look at your overall financial picture especially your debts to determine how much go insurance you need.
Sorry that you waited too long to look into this.
Your best option is to look at a grade policy. It will be more expensive due to the health issues, however, you can get some enthusiasm insurance. Graded policies are available with term and integral life with benefit amount limitations. Guar. Trust Life is an example of a company that will look at this skin. Feel free to ask for more information if you so desire.
Related Questions: