life insurance

Jennyvb17 · Dec 19, 2008

I have 50k through american fidelity. My employer uses them but it is portable so I can keep it once I no longer work for them. They asked some medical questions but none related to lung issues. They did ask if I had been hospitalized in the last year, that was the only catch. I happened to be just over 1 year when we had enrollment. I could have gotten 100k or 150k but I didn't want to pay the higher monthly premium on my current income. 50k pays off my debt from school and will pay for funeral costs. I figure thats good enough

Jennyvb17 · Dec 19, 2008

I have 50k through american fidelity. My employer uses them but it is portable so I can keep it once I no longer work for them. They asked some medical questions but none related to lung issues. They did ask if I had been hospitalized in the last year, that was the only catch. I happened to be just over 1 year when we had enrollment. I could have gotten 100k or 150k but I didn't want to pay the higher monthly premium on my current income. 50k pays off my debt from school and will pay for funeral costs. I figure thats good enough

Jennyvb17 · Dec 19, 2008

I have 50k through american fidelity. My employer uses them but it is portable so I can keep it once I no longer work for them. They asked some medical questions but none related to lung issues. They did ask if I had been hospitalized in the last year, that was the only catch. I happened to be just over 1 year when we had enrollment. I could have gotten 100k or 150k but I didn't want to pay the higher monthly premium on my current income. 50k pays off my debt from school and will pay for funeral costs. I figure thats good enough

Jennyvb17 · Dec 19, 2008

I have 50k through american fidelity. My employer uses them but it is portable so I can keep it once I no longer work for them. They asked some medical questions but none related to lung issues. They did ask if I had been hospitalized in the last year, that was the only catch. I happened to be just over 1 year when we had enrollment. I could have gotten 100k or 150k but I didn't want to pay the higher monthly premium on my current income. 50k pays off my debt from school and will pay for funeral costs. I figure thats good enough

Jennyvb17 · Dec 19, 2008

I have 50k through american fidelity. My employer uses them but it is portable so I can keep it once I no longer work for them. They asked some medical questions but none related to lung issues. They did ask if I had been hospitalized in the last year, that was the only catch. I happened to be just over 1 year when we had enrollment. I could have gotten 100k or 150k but I didn't want to pay the higher monthly premium on my current income. 50k pays off my debt from school and will pay for funeral costs. I figure thats good enough

DeniseM · Apr 17, 2009

There are many insurance companies that specialize in this type of high- risk insurance. Choose a <a target=_blank class=ftalternatingbarlinklarge href="https://http://accuquote.com/life-insurance-company-policies.cfm">Life Insurance</a> provider that is well versed with the underwriting process involved in qualifying for such a policy and the resources to find insurance companies dealing with such specialized cases. You could maybe opt for a final expense policy that does not demand a physical since these are small policies intended only to cover funeral expenses. Keep in mind that there is a two year waiting period, in case of a natural death before you can claim any death benefits. Another option is a single-premium policy, where you pay a lump sum premium amount upfront, which can be claimed after death.

Denise at AccuQuote
Disclaimer: I work for AccuQuote and this is my personal opinion.

DeniseM · Apr 17, 2009

There are many insurance companies that specialize in this type of high- risk insurance. Choose a <a target=_blank class=ftalternatingbarlinklarge href="https://http://accuquote.com/life-insurance-company-policies.cfm">Life Insurance</a> provider that is well versed with the underwriting process involved in qualifying for such a policy and the resources to find insurance companies dealing with such specialized cases. You could maybe opt for a final expense policy that does not demand a physical since these are small policies intended only to cover funeral expenses. Keep in mind that there is a two year waiting period, in case of a natural death before you can claim any death benefits. Another option is a single-premium policy, where you pay a lump sum premium amount upfront, which can be claimed after death.

Denise at AccuQuote
Disclaimer: I work for AccuQuote and this is my personal opinion.

DeniseM · Apr 17, 2009

There are many insurance companies that specialize in this type of high- risk insurance. Choose a <a target=_blank class=ftalternatingbarlinklarge href="https://http://accuquote.com/life-insurance-company-policies.cfm">Life Insurance</a> provider that is well versed with the underwriting process involved in qualifying for such a policy and the resources to find insurance companies dealing with such specialized cases. You could maybe opt for a final expense policy that does not demand a physical since these are small policies intended only to cover funeral expenses. Keep in mind that there is a two year waiting period, in case of a natural death before you can claim any death benefits. Another option is a single-premium policy, where you pay a lump sum premium amount upfront, which can be claimed after death.

Denise at AccuQuote
Disclaimer: I work for AccuQuote and this is my personal opinion.

DeniseM · Apr 17, 2009

There are many insurance companies that specialize in this type of high- risk insurance. Choose a <a target=_blank class=ftalternatingbarlinklarge href="https://http://accuquote.com/life-insurance-company-policies.cfm">Life Insurance</a> provider that is well versed with the underwriting process involved in qualifying for such a policy and the resources to find insurance companies dealing with such specialized cases. You could maybe opt for a final expense policy that does not demand a physical since these are small policies intended only to cover funeral expenses. Keep in mind that there is a two year waiting period, in case of a natural death before you can claim any death benefits. Another option is a single-premium policy, where you pay a lump sum premium amount upfront, which can be claimed after death.

Denise at AccuQuote
Disclaimer: I work for AccuQuote and this is my personal opinion.

DeniseM · Apr 17, 2009

There are many insurance companies that specialize in this type of high- risk insurance. Choose a <a target=_blank class=ftalternatingbarlinklarge href="https://http://accuquote.com/life-insurance-company-policies.cfm">Life Insurance</a> provider that is well versed with the underwriting process involved in qualifying for such a policy and the resources to find insurance companies dealing with such specialized cases. You could maybe opt for a final expense policy that does not demand a physical since these are small policies intended only to cover funeral expenses. Keep in mind that there is a two year waiting period, in case of a natural death before you can claim any death benefits. Another option is a single-premium policy, where you pay a lump sum premium amount upfront, which can be claimed after death.
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<br />Denise at AccuQuote
<br />Disclaimer: I work for AccuQuote and this is my personal opinion.

rubyroselee · May 15, 2009