All Life Insurance Tips

Where is the best place for life insurance? My dad got turned down..AGAIN! help!?

we've tried globe & farmers .. turned down on both! the questions he had a to answer werent faulty , i dont understand... does anyone know of a place that WON'T turn him down?

Public Comments

1. living life is the best insurance
2. Go to insure.com, if they can't find a company to accept him, there may not be any.
3. There's likely to be some reason, but it could be as simple as him being too high risk for those companies or the policy he's trying to get. Bankers Life & Casualty specializes in older policy holders, try them, maybe they can fit him into something.
4. Contact a local life insurance agent and give them the information on his health. Include everything as to why he was denied. They can contact their underwriting department to find out if they would be able to write coverage or not.
5. He needs to go to an INDEPENDENT agent, that represents a BUNCH of companies. He'll be rated, if he's been declined - and depneding on the declination reasons, it could be EXTREMELY expensive, but he should be able to get a quote.
6. what is the reason they are turning him down? They should tell you. Is he 5'1" & weighs 380, with diabetes, high blood pressure, had a stroke & cancer & bed ridden? Not trying to make light of your delema, but they should give you info on why they are turning him down. It will help us be able to better advise you. If it is a universal issue that no one will underwrite, like if he has AIDS or diagnosed terminal with something, it wont really matter where you go. You will be turned down again. Try to give us a brief description of him & health & what the companies are saying WHY they wont issue coverage.
7. I'm sorry to hear about your father's bad luck with trying to get some life insurance protection. What I can suggest is keep trying. Each life insurance company has their own set of underwriting guidelines that an applicant for life insurance has to meet in order to be offered coverage. However, since each company differs in their guidelines, the more insurance companies you try, the better the odds are you may find one that will accept your father for life insurance. There are a few options you may want to consider, 1. Try to use one of the quote providers online that offer a number of quotes from several companies. That way you can find out quickly if there is one that will offer your father protection. For quotes, visit http://www.term-life-online.com/instant-term-life-quotes.html 2. Try to get quotes from life insurance companies that do not require a medical exam. For several options, visit http://www.free-online-insurance-quote-advisor.com/Life-insurance-no-medical-exam.html I hope that helps you find your father some life insurance. Best of luck to you both!
8. try there
9. Do you know why your father was turned down? Is he on disability or have some sort of disease. If you are trying to get individually underwritten insurance from Farmer's or Globe he may be deemed uninsurable due to his health or something they found with regards to the medical exam that was conducted. You may want to try a policy like Liberty Life that require no underwriting. All he'll have to do is answer a few health questions. No medical exam is needed - but this doesn't necessarily mean that he'll be insured either. Chances are greater, but again, that depends why he was denied before. He also may want to ask his employer if they offer supplemental group life insurance coverage. This may be a good route for him to choose. Good luck!