life insurance with no physcial?
111689
Colonial Penn offers guaranteed issue life without a medical exam and they don't even ask medical questions.  They do however, limit your policy value if you die within two years after buying the policy.
570297
I would use a dictionary to help you speak english.\nWhat do you need to know about life insurance? See my profile and you can contact me there.
192747
max newyork life insurance\nor\nmetlife
826001
Don't let anybody sell you whole life insurance no matter how much they try to talk it up to you, it is a waste of money.\n\nWhole life is basically a life insurance policy that lets you borrow money from the policy amount, like a Home Equity Line of Credit would.\n\n"Next, you should only look for one type of coverage: Term life insurance. Do not-I repeat, do not-buy any other type of life insurance. There's another kind, called "cash value," which is a colossal waste of money, if you ask me. These cash value policies come in a variety of flavors, including whole life, universal life, and variable life. Just say no to anyone who tries to talk you into one of these plans. They can be more than 10 times as expensive as a term policy, yet you don't need any of the "extras" they come with. In fact, the big added feature of a cash value policy is that it provides an investment component. I won't go into a ton of details here other than to tell you that a life insurance policy is a lousy way to save and invest. So stick to a policy that simply provides life insurance and leave off all the expensive bells and whistles."
1178487
Dear Friend,\n\nDo not let them do this.  A person listed as "payable on death" has ZERO interest in your account while you are still alive.  They just get any assets left WHEN you die, they are not on the hook for any liabilities -- certainly not while you're alive.  Let them know you'll get a lawyer if they don't change their tune -- and that it'll cost them a LOT more than $800.  Bank stealing money from innocent children?  Most judges and any jury in the world would eat that up.\n\nYour Friend,\nFrancesois
132156
There are two types of insurable risks.  The first are standard coverages such as homeowners insurance.  The second are specialty insurances, called excess lines, that are things like a movie stars legs.  It is very difficult to insure things like that.\n\nNon-insurable risks fall into a couple of categories.  The first and simplest are things which are not really risks.  Risks are exposures to uncertainties.  Some things are certain.  That is why a health insurer will not cover a pre-existing condition.  It is certain that you will have claims related to the illness, therefore it is not a risk.\n\nThe second non-insurable risk is a risk whose magnitude exceeds the capacity of insurers to bear the risk, an example of this is nuclear war.  Most policies exclude coverage for nuclear attacks.\n\nThe third non-insurable risk is a risk that cannot be calculated, generally the sample size is too small to estimate.  Certain individual risks are so rare that it is not possible to get a good estimate of the real incidence and therefore a premium cannot be calculated.\n\nFinally, there are risks that have no data whatsoever.  A good and fraudulent example comes from a televangelist.  He partnered with an insurance company to sell "Rapture Insurance."  Basically, you paid a premium and if Jesus did not take you up to Heaven at the Second Coming, they paid you a million dollars.  The insurance commission shut it down on the grounds that since it was impossible to estimate the date, it was impossible to calculate a correct reserve for loss.  Therefore, the contracts were against public policy.  I must say that was a very creative way out for the regulators too.  The political firestorm the televangelists could have created if they had been attacked directly was completely avoided.
563968
Do not use insurance as an investment.  If you invest in a universal life, or other cash building policy has limitations as to the amount of return VS death benefit.  This is a point where the IRS calls it a MEC, or Modified Endowment Contract.  You will get taxed heavily if this value is superceeded; they consider the policy an investment rather than insurance.  The only way to get around this is to increase death benefit (which raises your monthly/semi-annual/annual premium), decreasing your return.  And term life insurance only pays if you die.  If you are 29, look towards an IRA that provides various investment options and invest fairly aggressively.  If you have access to a company 401K, utilize that, as many employers match a certain percentage, and most of it is pre-tax contribution.  If you are OK with lower yields and like the availability of cash, look into a money market account from a large institution, such as vanguard or fidelity.
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.
92602
Depending on what state you are in, there may be a high risk pool administered by your state.  Contact your state's Department of Human Services or other organization.  A high risk pool is great for people who are going to have very high medical bills, but you will have to pay premiums which are likely going to be much higher than if you were healthy.\nYou might also shop around for "short-term" medical insurance.  Insurers are more willing to write people who may be sick under those short term policies because the insurers knows a date certain that they will no longer be responsible.
668795
I've written this kind of insurance for a few of my customers. Never anything as big though, stuff like an archery tournament where the prize was a truck. I work at an Independent Insurance Agency so I was able to shop around for the best deal, ended up purchasing a policy from Lloyds of London who will insure just about anything. Call a local Independent Agent and tell them what you need. You'll need to have details of the promotion and be able to give some kind of evidence as to the difficulty of winning the prize. For instance, on the archery tournament I had to get info on the length of the range, the size of the target, the type of bow involved and whether it was indoors or outdoors. Lloyds came back with a couple of stipulations: no mechanical sights to be allowed and no professional archers allowed, also the winner had to hit dead center, not just in the bull's eye circle. The odds were calculated at something like 1:1,000,000 that anyone would hit dead center, especially as it was an outdoor tournament. The premium for the policy was under $1000. SOMEONE HIT DEAD CENTER and the Ins Co had to pay out!\nGood Luck!
1071142
Try independent Laboratories, and also try companies that do insurance physicals...some popular ones include port-a-medic and the like.
184080
First, Corrections:\nTerm, Whole, Variable, Universal, etc. are all forms of life, not health insurance.  \n\nSecond, Assumptions: \nSeveral assumptions are being made in my answer. \n1.You are looking for Health, not Life insurance.\n2.You are not eligible for insurance through your employer, therefore you have to get your own.\n3.You are a citizen of the United States.\n4.You are buying health insurance as an individual, in other words, you don't run your own business that can deduct the cost of insurance.\n5.You are under the age of 55.\n\nThird,  Know the true purpose of insurance:\nThis is important from a philosophical, as well as a practical standpoint. In all its forms, insurance is intended to “cushion” the individual from excessive financial burdens in the event of UNEXPECTED costs. While I abhor “capitalized screaming” the term unexpected is important! Most people believe that insurance implies a reimbursement. In the old days they called this a tontine. But this is not the purpose of health insurance. Health insurance was originally meant to keep you from going broke when some fool t-bone's you at an intersection, or you contract pancreatic cancer. That said and understood I can make a suggestion that can keep costs down, save on income taxes (if you itemize) and give you health coverage for regular health care needs as well as prevent catastrophic financial loss due to a serious health event.\n\nFourth, The Suggestion:\nLike him or hate him, George Bush got through Congress a great thing called “The Health Savings Account” or “HSA” for short. Basically it has two parts.  \n\nFirst, a savings account where you can save up to ~$2700 (single) or $5,450 (family), or your health plans deductible, per year, which ever is less.\n\nSecond, a high deductible health insurance plan that acts just like a regular Preferred Provider health plan or PPO for short. You pick a doctor from the company's list of MD's basically. This insurance plan will usually have a co-pay (some don't) and will protect you case some fool t-bone's you at an intersection, or you contract pancreatic cancer.\n\nBTW, I don't have any “skin in this game." Just went through it recently.  If this is all too confusing, get an independent insurance agent to help you, they should bend over backward to help. They make commissions when they sell these products.\n\nI wish you good health.
925306
My condolences about your friend and her loved one.\n\nI’ve linked to articles describing how to choose a life insurance and how to calculate how much life insurance you need. I’ve also linked to online calculators to help you figure it out. Deciding how much life insurance is enough is a very personal decision – what’s right for you might not be right for someone else.  I’ve also linked to an article about what to look for in renewable term life insurance.\n\nYour concentration on the life insurance company is a good idea, since your life or disability policy will only be as solid as the financial strength of the insurance company you choose. After you read the articles below and get a firm idea of what kind of policy you’re looking for, try visiting MostChoice.com. You can compare insurance policies online quickly and speak to multiple insurance agents working in your community – all without any obligation. It’s a quick and simple way to swiftly survey the local insurance market, and MostChoice provides information on more than 140 companies with A+ or better financial ratings.\n\nYou can find MostChoice here:\nhttp://www.mostchoice.com/life-insurance.cfm\n\nHope this helps,\nBarnes@MostChoice
136126
There's two different bases for the insurance.\n\nLife insurance has an inevitability built in.  You are going to die someday for certain and as long as you pay premiums and materially mistate your health or fraudulently try to collect it will pay.  Life insurers (thorugh the use of wise actuarial tables) hope that enough people live long enough to grow enough capital to eventually pay off all their claims.\n\nProperty/Casualty insurance doesn't have the same inevitability built in but is supposed to protect your assets in the unlikely case that a claimable event happens.\nIf you have several claims in a close enough time period, you become too risky to continue to insure, thus the company will cancel ("nonrenew" in the biz) your policy.\n\nSo in life insurance they know you are going to die but just don't know when.\nIn property insurance you could conceivable pay premiums and never need to make a claim.
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.
34201
Car insurance? Life insurance? Health insurance?  All I can say is that you should shop around.  \n\nTry donig this:\n- get some quotes on-line (works mainly for auto insurance)\n- walk into (or call) some different insurance agents (State Farm, Allstate, etc)\n- talk with an insurance broker (they represent several different companies\n- talk with a financial advisor (life, and maybe health only)\n\nThey all will work to find you the best deal.  Whoever gives you the best deal is the company you shoud go with.  \nNow if you are talking about auto insurance, keep in mind that it is not too uncommon for a company to charge you one price on line, and to charge you another one in an agent's office, and to charge you another price through a broker.
315638
When a life insurance policy is owned by someone other than the insured, the must prove an "insurable interest" at the time the policy is applied for. Also, even the policies that are guaranteed issue (no medical underwriting) still require the signature of the insured. If your signature is forged that would be grouds for the insurance company to void the policy.