my father is 69 years old and in fair health how do I get life insurance on him?
97347
You can contact just about any insurance agency and they will help you select a company with the best price. Of course your father has to want the insurance, you can't just purchase a policy on him. More than likely the insurance company will want him to have a physical exam of some sort (they will tell you), and they use those results to determine how much the coverage will cost. Needless to say , the older you are, the more you will pay. However, the better your health is, helps to keep the cost down. Go thru an "insurance agency". They are listed in the yellow pages. An insurance agency will have several different insurance companies that they work with. For example, they \ncould have Hartford, Safeco and Travelers that they work with. Good Luck
244479
OK sorry 2 hear about grandaddy.I know exactly what you mean.FIRST and most of all ,do you have your Granada's information? On paper you need:SSN#,DOB,I.D#,mothersmaidenn name,at least 2 address's.DR. name.Most of all you will need the name of the life insurance company's of which he had.Now all this information I just gave you is for you to take a legal STEP.If not be your own detective!!!!!!FIRST find out how much his policy was 4 and how much his funeral ex-pens.were and do the calculation.If there is a whole lot of $$$presidents$$$ left over and nothing to show 4 then this is what you do.............MY FRIEND: you just let it be .I'll tell you why! After you find out what happened and  if every piece fits the puzzle it will put you at PEACE That's what is probably really bothering you most.REMEMBER if she did wrong it will come back on her it may take 1week,1year it will happen.He up above knows whats rightfully yours,be patient it will all work out I promise!!!One the other hand get a free consultation with an attorney they can help YOU DECIDE .Good luck,Marina
907043
omg i am truly sorry.  if the father is in the picture, apply for insurance under him...if not, then use him to apply for it by taking him to court and using that child support income to get you the medicare benefits.  there are many places you can go to with these questions.  church, the hospitals, social workers.  i hope everything works out in you and your daughter's behalf
444048
Your best bet is to consult with an insurance professional.  All the major life insurance companies are reputable.  I would avoid anything on line.  An insurance professional will work out something for you within your budget and explain how to list your children as beneficiaries.  They do not have to be adults to be listed on your policy.
264529
a good life insurance might also help
675884
Begin with the State Dept of Insurance.  They offer a listing of all insurance available for sale to individuals.    Also try www.goldenrule.com
675295
call an independent insurance agent- not farmers or allstate or state farm- an independent agent that handles dozens of companies- check the yellow pages under independent ins agents- they can shop the market for you and find you the best deal- you are their customer and they will do the best they can for you because they are not married to just one co !! they represent lots of different companies-- i am a retired independent insuraqnce broker for life and health insurance- good luck to you-- as a last resort- you can check with the state dept of insurance to see if there is a high risk pool that must take you irregardless !!
344372
Call the company that issued the policy.  They will send you a package with the company forms that need to be completed in order to get paid.\n\nYou will need:\n1. the policy\n2. the death certificate - ask the funeral home to provide.\n3. the insurance company forms.\n\nOnce complete, they will review and if straightforward, the insurance companies usually issue you a checkbook that is good up to the amount of the policy proceeds.  You can keep the money in this account and write checks when you need them or write one big check to yourself and deposit in your own accounts.
1045869
I'm sorry to hear your situation but you do have options. You can compare quotes from InsureMe. They offer you several quotes and accept many medical conditions.\n\nYou can also look into life insurance with no medical exam required. This may cost a little more, but you get quick approval, if qualified. There's no exam, no agent to deal with, and no delays. Try out quotes from both options. And good luck with getting your coverage placed at a reasonable rate. Take care.\n\nhttp://www.term-life-online.com
826855
I bought life insurance when I was 23. The main reason I bought it was to lock into the low rate. As you get older, the cost to cover you gets more expensive. Second reason was that if I were to die, my parents would have money to use toward retirement. Of course, my reasons will change when I get married some day. For now, my parents are my beneficiary.\n\nAnyway, you don't buy life insurance. You have to qualify for it. You will be subjected to medical testing such as urine test and blood test and HIVs.\n\nIf you want to know the two main types of life insurance, read this: http://obe231.blogspot.com
793842
Well, it doesn't exactly work that way.  The life policies commonly sold to babies, that you pay on for their whole life, are called Whole Life policies.  They are usually a BAD buy.  It usually pays out $2,000 towards funeral benefits, and when they turn 18, you can increase the policy to $25,000 or so (with an increase in cost) without having to prove insurability. \n\nIt was a good deal for my brother, a type 1 diabetic, because that was the only way he'd get coverage except through an employer.  For the most part, however, it's a rotten deal.\n\nFor less than that, maybe $100 a year (2/3 the price) you can buy a 20 year term life insurance policy that will pay $100,000 upon death, you can renew that for another 20 years for about $125 a year.    Just make sure the policy you get is renewable and convertible.
1085334
Several ways: \n1) You can check his check book to see if he made any payments to a life insurance company. \n2) Wait until agent delivers the policy (usually takes 1-3 months to process life application and see if your dad qualifies for it).\n3) There is usually what is known a "conditional receipt", this says your dad is instantly insured once the agent leaves with the first month premium. You can try to find where your dad put it in the house.
997988
For LIFE Insurance, all you need to understand is TERM. That's what your Auto, Health, and Liability are.\nFor AUTO, and HEALTH, see your local Primerica Financial people.
516404
In life insurance policies, beneficiaries are usually listed in them to see who gets them. Life insurance companies usually distribute it evenly between beneficiaries. So you may still have your fair portion of the death benefit sitting with the insurance company.\n\nIf you are the owner of the life policy, you have the right to view it and see how much cash value is sitting in there. Your sister should not have it since it does not belong to her. You may obtain a court order to take it from her OR you can call the insurance company to find out how much cash value you have in there. There are two things you can do to access your cash value: 1) You can borrow it and pay it back later with interests 2) You can surrender your policy and take all the cash value (surrender charges may apply). Please note: If no one has been paying for your life insurance, it may have already lapse and you are probably not covered anymore. (life insurance are never paid up. Something must keep it enforce, so the insurance company will usually access your cash value to pay it until it hits zero).\n\nTo obtain a copy of your dad's life policy, he should have it somewhere in the home. If you can't find it, then you should call the life insurance company and ask your questions.\n\nIn any case, it is best that you get a lawyer since this is a family issue.
861829
Over 50 plans are all well and good, however most do not offer full cover until you have been a Member for over 24 months. If you die before that time you only get your premiums back, not the life sum assured.\nCall a financial Adviser to ask about your own individual requirements. The first consultation is usually free and without obligation (they will tell you over the phone ). He /She may be able to suggest a better option as they can research the whole market not just one company. Good luck
59123
Yes, people buy life insurance.  I'm an insurance agent in California so I know people are buying insurance.  \n\nIf you are single you may have enough through a group insurance policy at work to cover your debts, funeral and medical expenses.  \n\nHowever, if you are married and have kids, you'll need to buy life insurance to cover all the above and the loss of income if you are a 2 income household.  Unless you happen to be independently wealthy plan on getting insurance for you and your spouse.  \n\nMy personal story as why life insurance is important:  As a teen, my father died and had no life insurance policy, or rather he did but cancelled it because he didn't have the money to pay. When he died, I was 17, sister, 15 and brother, 13.  All the medical expenses and debts went to my mom.  No inheritance for us, just a lot of debt.  My mom received social security benefits and she worked, but it was many ears before it was all paid off.
213150
http://www.ehealthinsurance.com/\n\nGreat place to start.