What types of insurance policies do not involve any underwriting?
461362
Actually, underwriters are not the ones who decide what is or isn't paid in a claim. Underwriters are the people that decide what risks are or are not acceptable for whatever line of coverage you are applying? The answer to your question is there aren't any.  I am a licensed agent in Texas and the only reason I can think someone wouldn't want to have to go through an underwriting process is if they are trying hide something that would obviously keep the underwriter from issuing the policy, if that is the case then that is INSURANCE FRAUD. I'm sure the people out there that do pay their insurance on time and abide by the laws and rules in their state don't appreciate people that try to find a way around it.
165716
Check with a local financial planner, but my thought would be to look at the non-qualified variable annuities offered by global insurers like ING or Allianz.
802439
There actually is insurance with a 'savings plan'.\nIt's called any number of things...\n\nwhole life insurance\npermanent insurance\nuniversal life insurance\n\nAll these combine life insurance with savings vehicles.\n\nHowever, almost all are a bad deal for most people when you consider you are paying a large amount of your money out in fees, commissions and profits when you can buy other kinds of insurance (like term insurance) cheaper and use the savings to invest on your own.\n\nDepending on how you invest the cash portion of your permanent life insurance, it may or may not be 'insured'.
276129
Try www.ais-insurance.com
51450
Insurance companies are structured like casinos in some ways.  They are betting that the incident (death, injury, sickness, etc.) you are insured against will only happen a certain percentage of time, for which the fees they collect will cover the times those incidents do happen.\n\nJust because an individual might not ever need that insurance, well, never collects on it, does not mean that they did not "need" it, but rather they beat the "odds" of having to use it.
1075100
contact a insurance agent.\n\nlol
153729
Yes, fencing is covered under a homeowner policy if you are looking to submit a claim for a covered loss.  Of course, you would be subject to your policy deductible, so it is advisable to obtain an estimate of repair before submitting a claim to your carrier, otherwise you will have a reported claim on your policy's history even though there was no payout involved.  Sometimes future insurance carriers look at that when underwriting a new risk.
1170900
You might be able to get a rider on a homeowner's insurance policy to cover personal property.  For example, your policy might cover $5000 of personal property on you at any time.  Theft would definitely be covered - I'm not sure how it would affect those "I dropped it in the swimming pool" type incidents.
239999
There are actually several different permanent life insurance plans.  Whole life is one, Universal Life is another and Variable Universal Life is yet another.  Term life insurance makes sense for some situations, but permanent life insurance does make sense for others.  I personally have both.  Anyone that tells to buy one type of policy or another without reviewing your situation is no good.  That includes Suze Orman.
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!
375550
I have worked in this field for 7 years.  I am only familiar with Tri-Care insurance through the military, but in all of my experiences, it is not a covered benefit.
444048
Your best bet is to consult with an insurance professional.  All the major life insurance companies are reputable.  I would avoid anything on line.  An insurance professional will work out something for you within your budget and explain how to list your children as beneficiaries.  They do not have to be adults to be listed on your policy.
842589
You may only take an insurance policy on someone you have an "insurable interset" in. You cannot take out a policy on a random person. This is to prevent a simple money laundering scheme.  In order for someone to have taken an insurance policy out on you they would have to have som type of financial loss caused by your death. The most common loss is by a family member or an employer of a critical employee such as the CEO.
745684
The proceeds from a life insurance policy are not taxed.
316087
A variable life insurance policy is a permanent insurance policy.  Part of your premiums go towards providing the insurance for you, paying the admin costs and expenses.  The remainder is allocated to different mutual funds, investments, etc.. that you choose.\n\nBe careful.  If you are considering a variable policy, you need to make sure that you are funding it at the proper level otherwise you are wasting your money.  good luck
860567
DON'T DO IT!!!!  insure it with a local agent, they are cheaper and they know the country and local laws that apply to Bulgarian insurance policy.. I made the mistake and when I was burgled I got nothing because the UK company had omitted specific clause that are mandatory in Bulgaria.
958939
There isn't one.\n\nYou have to consider what you are really asking.\nYou are basically asking a pool of people (all the other insureds who are paying premiums) to take you into their pool and have them pay for the majority of your care costs that you will only pay a fraction of...\nWhy would any one agree to that?\nOnce you consider it from that perspective, then you'll realize why companies won't do this.