by Guest » Sat Jan 17, 2009 01:31 am
Isn't it true if someone does lie on application and it goes 2 years with out the company catching it they can;t hold it against them. They will also be completely covered. Isn't it true if someone is covered for 2 years and they commit suicide they are also covered.
Posted: Fri Jan 23, 2009 05:43 am Post Subject: incontestability period
I'm an independent agent, have been for years and I can tell you that every single one of the carriers I deal with have a 2 year incontestability period meaning that they have 2 years to contest your death. If you die after that two year period, regardless of the reason, unless otherwise stated in your policy, they have to, by law, in any state, pay you. Military policies are different and they are written in accordance with the agreement made between the carrier and the military.
Posted: Fri Jan 23, 2009 11:42 am Post Subject:
Since I've been in the Military, the information, that I have posted above, is what I've been told.
SD maybe this is where some confusion has come from .... perhaps this was the rule when you joined and has changed? or perhaps when your CO joined, but has since changed is that possible?Posted: Fri Jan 23, 2009 12:25 pm Post Subject: insurance
ANYTHING is possible, LORI. I DO see your point. However......I posted that I have talked to my UA (Unit Administrator) yesterday. As he was on the phone with me, he was looking up the AKO ( Army Knowledge Online) website. The information he had told me was the SGLI was 'Null and Void' if not wearing seatbelts, DUI, etc. ALOT of things have changed, in the Military, since I've been in. When I posted about the Soldier getting killed: this was in 2002. The Soldier in Iraq: this happened in ( I believe?) in Spring/Summer of 2002. I DO have to say, thought,..if there ARE changes about different Military issues, the 'updates' aren't always immediate.
Posted: Fri Jan 23, 2009 12:29 pm Post Subject:
Probably the officers are telling you what they have also heard as you are believing what you have been told. May be they are using it as a fear factor from deterring personnel from committing such mistakes.
Posted: Fri Jan 23, 2009 12:36 pm Post Subject:
bluebell that's a good point as well...sd the military (like all large corp)...some times have a problem getting information down to the people on the ground doing the job...i'll bet cha that what you were told was probably true when that person entered the military, and there have been changes that he didn't know about, or had not bother to check on prior to saying that...(I don't really blame him again like anything large, there are changes daily many never making it to those who really need to know :roll: ) Just let us know if you find out about any other change to what your were originally told.
Posted: Fri Jan 23, 2009 12:50 pm Post Subject:
I don't know what to tell you, GARY. Since I've been in the Military, the information, that I have posted above, is what I've been told.
SD' that's what's known as hearsay.
Repeating what someone else told you and representing that as fact.
Hearsay literally means information gathered by the first person from a second person concerning some event, condition, or thing of which the first person had no direct experience.
Now I've said before I love your posts because they contain many myths and misconceptions regarding insurance and insurance agents.
What I don't like is your incessant recalcitrant postings that have been firmly dismissed and debunked with the facts.
What's sad here is that you are totally not teachable. And if the facts interfere with what you've been told you always default to what you've been told regardless of the facts if that's what you want to believe.
So it's a bit incredible that you continue with your hearsay when links have been provided on this thread to the United States Department of Veteran Affairs that specifically lists many of the myths and rumors regarding what you claim as fact.
You are doing the United States Armed Forces a disservice by continuing your non-sense by furthering myths and rumors that they themselves are trying to extinguish.
By the way, since Chief Justice Roberts screwed up Obama's Oath of Office, Dick Cheney is now the President of the United States, that's what someone told someone at Foxxx News.
Posted: Fri Jan 23, 2009 05:13 pm Post Subject:
the best way to tell is to get a hold of the policy. Any of those exclusions have to be spelled out in the policy. I sell insurance to a lot of military people, though and they all want something over and beyond what the military offers and I have to say, it really is like any other job that offers insurance, you should always have something else to back it up, regardless of clauses and exclusions.
Posted: Fri Jan 23, 2009 05:21 pm Post Subject:
and I really don't see why the military would insist upon such crazy exclusions to insurance when it is just that, insurance. Anyway, after reading this exhausting post I go back to what I said above... no need to ask anyone here, read a darn policy and it will spell it out for you. If you don't understand it, scan it and let one of us look at it.
Posted: Sat Jan 24, 2009 05:38 am Post Subject: insurance
And, AGAIN, I had posted earlier, that I spoke to my UA just a few days ago and he gave me the same information ( DUI's, Suicide,etc.) ...he was looking on an Army website, about the SGLI, at the same time he was talking to me on the phone.
Posted: Sat Jan 24, 2009 05:40 am Post Subject: insurance
I look at it THIS way..it IS a "fact" if someone is telling me the information DIRECTLY from the source.........AKO ( Army Knowledge Online).
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