Sentences with phrase «issue life insurance policy if»

Where you have been diagnosed with later stages of both breast or ovarian cancer most individuals will need to pursue an «alternative» life insurance product such as a guaranteed issue life insurance policy if they wish to purchase a life insurance policy on themselves.

That if you have been diagnosed with Hypertrophic cardiomyopathy before the age of 40, most if not all, life insurance companies are going to deny you coverage for a traditional term or whole life insurance policy, in which case one will need to pursue a guaranteed issue or simplified issue life insurance policy if they are still interested in purchasing a life insurance policy.

Individuals who have been diagnosed with stage 3 or 4 uterine cancer will need to pursue an «alternative» life insurance product like a guaranteed issue life insurance policy if they would like to qualify for life insurance.

Anybody can buy a guaranteed issue life insurance policy if you are over the age of 50.

Which means that while you probably won't be able to qualify for a Standard or better life insurance rate, at least now you'll have a pretty good chance at getting approved for a traditional term or whole life insurance policy and won't have to settle on purchasing a guaranteed issue life insurance policy if that isn't the right policy for you!

Not exact matches

If you want final expense insurance and are unable to qualify for traditional coverage, simplified issue whole life insurance will be less expensive than a guaranteed acceptance policy.

With a guaranteed issue life insurance policy, if you die because of an accident (e.g. a car crash) within the first two years, the full death benefit will be paid to your beneficiaries.

In general, if you're relatively healthy and wouldn't mind a simple medical exam, traditional life insurance is the better option because it will likely be less expensive than a simplified issue life insurance policy.

If you're unable to qualify for a fully underwritten or simplified issue life insurance policy but still need coverage, guaranteed acceptance whole life insurance is always an option.

If you're a senior who's shopping for life insurance policies, you may consider guaranteed - issue life insurance.

If you want final expense insurance and are unable to qualify for traditional coverage, simplified issue whole life insurance will be less expensive than a guaranteed acceptance policy.

If you do not qualify for a fully underwritten life insurance policy, a guaranteed issue policy may help you get the coverage you need.

30 - Day Money - Back Guarantee If you are not completely satisfied with your CoverMe Term Life insurance policy, you may return your policy to Manulife within 30 days of the issue date to have your coverage cancelled and your entire premium will be promptly refunded.

This means that if Northwestern Mutual collects more money in a particular year than is spent, the company issues a dividend to this with permanent life insurance policies.

If your parents are over the age 75, a permanent life insurance policy or guaranteed issue policy may be your best option if you're looking for lifelong coveragIf your parents are over the age 75, a permanent life insurance policy or guaranteed issue policy may be your best option if you're looking for lifelong coveragif you're looking for lifelong coverage.

Estate Preservation Rider — If the estate planner has opted to issue the policy outside of an irrevocable life insurance trust (ILIT), federal law requires the policy to be in the ILIT for three years or the transfer to the ILIT is void.

If you're unable to qualify for a fully underwritten or simplified issue life insurance policy but still need coverage, guaranteed acceptance whole life insurance is always an option.

However, if you need more life insurance and have since developed health issues, converting to permanent will likely be cheaper than applying for a new term policy altogether because at that point your health will be taken into consideration.

With a guaranteed issue life insurance policy, if you die because of an accident (e.g. a car crash) within the first two years, the full death benefit will be paid to your beneficiaries.

This rider is built into most life insurance policies and is extremely beneficial if you happen to run into health issues as you age.

In general, if you're relatively healthy and wouldn't mind a simple medical exam, traditional life insurance is the better option because it will likely be less expensive than a simplified issue life insurance policy.

This means if you can not get term life insurance due to an illness, a guaranteed issue mortgage protection insurance policy could be your best bet.

Suicide Clause: A life insurance policy provision that states if the insured dies by suicide within a certain period of time from the date of issue (usually two years) the amount payable would be limited to the total premiums paid minus any policy loans or outstanding premiums.

Even if you have any complicated health issues, several options are open to you e.g. you can get a life insurance policy without medical exam (low coverage and higher costs) or decide to go with rated standard term life insurance which comes with a bit higher price tag.

If you have to separate life insurance policies with the same life insurance company will There be to separate checks issued to the beneficiaries?

If you're planning to have children, you'll want to buy life insurance now instead of waiting until pregnancy — some companies won't issue policies to pregnant women.

If you smoke, you can still get a guaranteed issue life insurance policy but it will be more expensive.

If you're looking for term life insurance but don't want to fill out a detailed medical questionnaire, you might be interested in a Guaranteed Issue life insurance policy.

If you have a health condition that precludes you from obtaining other less expensive life insurance policies or you need to get covered fast, guaranteed issue might be the way to go.

However, a Simplified Issue Life Insurance policy may be a good option for you if:

First, premiums are substantially higher than what a person would pay for a term life insurance policy for the same dollar amount, if it were to be issued.

If you've tried to buy other types of life insurance but have been unsuccessful, a guaranteed - issue policy may be an alternative to consider.

Guaranteed issue life insurance is another option if you have health issues that prevent you from buying a traditional term policy.

If you can't get approved for other types of life insurance (like a term policy), a guaranteed - issue policy may be an option.

Note: If you have a serious health issue that's been diagnosed, a simplified term life insurance policy isn't a way to get a better rate by lying about it or intentionally omitting it from your application.

If you were to die during the first few years of the policy, most life insurance companies will generally issue a refund of your premiums to your beneficiaries in lieu of the actual death benefit.

If you are chronically ill you may want to look at a Guaranteed Issue Life Insurance or Guaranteed Acceptance Life Insurance policy.

If the premium cost of your current life insurance policy is an issue, you may be able to lower the premium by reducing the death benefit, which would not require an exchange.

No medical exam policies, such as simplified issue or accelerated underwriting life insurance, will allow you to skip the medical exam if you qualify.

Most policies have a 2 - year contestability period, which means during the first two years after buying life insurance, if it is found your insurance policy was issued under misrepresentation, withholding of information by the insured or the owner, or similar reasons, the insurance company can declare your insurance policy and any associated riders void.

Depending upon the severity of his asthma, tobacco use, and if there are any other issues that the underwriters may consider a risk, the chart below can be used as an estimate of his monthly payments were he to buy a 30 - year, $ 150,000 term life insurance policy.

If you have health issues or the insurance company requires doctor's records review, it can often take 6 to 8 weeks to get a life insurance policy approved.

With that, if you are currently in a nursing home (for any reason), your only option would be to get a guaranteed issue life insurance policy from Gerber Llife insurance policy from Gerber LifeLife.

Underwriters want to see if your blood pressure is under control before issuing you a life insurance policy.

If you are in that situation, your only option is to purchase a guaranteed issue life insurance policy.

If your diabetes isn't controlled, you may have to look at a guaranteed issue life insurance policy which often comes with much higher premiums for your coverage with a lower total death benefit.

Medical Problems: If you have a terminal illness, it is unlikely that any life insurance company will issue you a life insurance policy.

One of the biggest advantages to applying for no medical exam life insurance is the fact that these policies may allow someone who has an adverse health issue to obtain the coverage that they need — even if they have been turned down for traditional life insurance coverage in the past.

However if all conditions are met and everything checks out after the investigation, unlike the guaranteed issue life insurance policy, a term life insurance policy would pay the full benefit, and not just the premiums paid for the first two years.

If you are concerned that your past or current medical conditions may prevent you from being approved for a life insurance policy, you may want to consider our Guaranteed Issue Whole Life Insuralife insurance policy, you may want to consider our Guaranteed Issue Whole Life Iinsurance policy, you may want to consider our Guaranteed Issue Whole Life InsuraLife InsuranceInsurance.