by pwhiteonlexington » Wed Feb 25, 2009 04:43 am
My mother is 84 years old and in pretty good shape for her age. We have no insurance to help with home going services though, when she leaves us. We just want to be able to provide a decent resting place for her without hassle; but she won't make the arrangements..
Posted: Wed Apr 08, 2009 02:42 pm Post Subject:
Hi,
i searched very hard on Google & other search engines. But i can't find any link about any insurance company who offer to give insurance policy for 84 year old person.
Genworth, Transamerica, West Coast Life, Lincoln Benefit Life, MetLife Investors, American General, CM Life, Aviva.
Posted: Wed Apr 08, 2009 03:52 pm Post Subject:
Quote:
Yes, Final Expense doesn't make you go through a medical exam but does ask questions that you have to qualify for
Oh I see Smile I have limited knowledge on FE. TRK3031962 I am curious as to how do you qualify for FE? I mean when the OP says
Quote:
We just want to be able to provide a decent resting place for her without hassle;
does it mean that they can pay for the funeral and get reimbursed from FE? Or do they designate a funeral home to take care of the final rituals and then the money goes to the funeral home as reimbursement?
At 84 if you are in a good health condition, would you qualify for FE?
Sil...
Yes, in good health you would qualify for an FE. Even in just decent health you would probably qualify for an FE.
The funeral home could be made the beneficiary (unless that's not approved by your state) or the beneficiary could just pay for the funeral when the proceeds come in. Most funeral homes will work with the insurance company for you in order to file the claim and all. Most are very proficient at doing that.
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Posted: Thu Apr 09, 2009 07:29 am Post Subject:
hey rodick......go to colonial penn website....and get a quote ....they provide life insurance for age upto 85 for some states......go ahead check it its good for u ......and also the monthly premum would be 80 dollars if u claim around 8 coverages and it will be around 10$ for 1 unit of coverage.......best of luck......colonial penn also provide 30 days of freelock period.......
Posted: Thu Apr 09, 2009 07:51 am Post Subject:
Hi Super.. 10$ per unit is not bad for someone in 80s...but are they really good about settling claims?
Roddick
Posted: Thu Apr 09, 2009 10:57 am Post Subject:
Yes, in good health you would qualify for an FE. Even in just decent health you would probably qualify for an FE.
A good news! But, what is criteria for good health at 84?? There are inherent problems(e.g ear and eye deterioration etc.) with age and can it be of help when they ask for good health?
Posted: Sat Apr 11, 2009 03:27 am Post Subject:
ear and eye deterioration is hardly ever asked on a FE application.
Posted: Sat Apr 11, 2009 10:55 am Post Subject:
Hi,
But, what is criteria for good health at 84??
I guess it's more about not undergoing any heart surgery or cancerous treatment. What else could you think of now?
Steven
Posted: Mon Apr 13, 2009 05:33 am Post Subject:
hey...rodick...it is always good to have discussion with u...
well Colonial Penn is ok with claims and other services ..... not as good as AllState and other companies......but rodick i think in this case (84 ear lady) ...... weve got very less options.......hope it turns out good.....i have a friend who recently went to newyork with his mom (75 yrs old) ....there he got this life insurance for his mom.....and he only recommended me....and i recomended in this post.......take care
Posted: Mon Apr 13, 2009 09:53 am Post Subject:
Super, does Col. Penn operate across all states in the U.S. now?
Posted: Mon Apr 13, 2009 12:32 pm Post Subject:
Roddick colonial penn covers around 49 states
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