I need a good life insurance policy for a 56 year old healthy woman..Non smoker..Never Sick.?
605963
look in the yellow pages for insurance agents- look for an agent with CLU- after his name- that means Chartered Life Underwrier- this person has passed ten different areas of study and is very knowledgeable on insurance matters- they are a big cut above other agents in knowledge--also look for ChFC- Chartered Financial Consultant- another 3 or 4 areas of study passed- and or CFP- Certified Financial Planner- this is also good- yet CLU's know more about insurance than CFP's do--I am a retired insurance broker, and a retired CFP, CPA, & LUTCF-another insurance designation--good luck to you- also- choose a mutual life insurance company- they will pay you dividends or part of the company profits that other cos wont pay you !!!
19232
Schedule a meeting with 2 different local agents from well known companies.  Tell them that you want to get life insurance and wait for their response.  If they don't ask you about your income, assets, loans, future plans.. then they are wasting your time.  You need someone that makes sure you get the right amount of coverage and the right type of coverage.
242911
You don't need the policy... just CALL the companies and tell them what is going on.  It will be easier if you know her SS#, but even that isn't necessary.  The DEPARTMENT that you will need to call is 'Policy Owners Service'. \n\nAlso, for any benefits to be paid, the insurance company will need a copy of the death certificate.\n\nGood luck!
264529
a good life insurance might also help
1094663
search for e-insurance on yahoo search. try typing in short term health insurance.  i did this for my son recently as he is no longer a student but doesnt have a job with benefits yet.  it is  a pretty reasonable price too.
676661
There is a decent insurance sold by the Better business beurau in California.  You might call the BBB in your state if they have a similar plan. \n  \nOtherwise Stay away from HMO's and discount cards.
344263
This plan should help assist you.\n\nhttp://everyonebenefits.com/40374893
506835
May I suggest to you Ameri Plan. They do not have any restrictions on ongoing conditions and you can start saving immediately. There is a hospital advocacy program that assigns you a personal advocate to negotiate with doctors on your medical bills.\n\nThe plan also includes savings on dental, vision, prescription and chiropractic care. I'd check them out. I'm so proud to be with them. I know I shouldn't advertise, but your need sounds great. Let me know if you have any questions. wlakin@ameriplan.net\n\nhttp://www.mybenefitsplus.com/40378118\n\nWe are currently running a promotion for just the dental, vision, prescription and chiropractic plan where you can try it out for 3 months for $23 total. This is a great service. You should check it out!
875444
Here's a good article for choosing a health insurance plan:\n\nhttp://www.bellaonline.com/articles/art31285.asp
134146
INSURED THEM. Then, it is up to insurance companies.\nReshuffle the retirement plan. \nWhat the best is 'prevention is better than prevention'. Choose a healthy life style when u r still young.
942729
Life insurance is a policy that pays a specified amount of money after your death to a beneficiary, a person you choose. The amount of money the person receives depends on the type of life insurance you purchase. The amount you pay to the insurance company, the premium, depends on the policy you select.\n\nToday more than 200 insurance companies write life insurance policies in the United States. Not all insure cancer survivors. Those that do offer life insurance policies for cancer survivors usually require survivors to pay a higher premium.\n\nYou may not want life insurance now. You may not be able to afford life insurance. However, if you think life insurance would help you or your family, options exist for cancer survivors. Survivors who want life insurance should understand the different types of life insurance and how having had cancer affects the type of life insurance they can get.\n\nGet a quote & more information here:  http://www.insureme.com/landing.aspx?Refby=614500&Type=life\n\nTake care,\n\nRon @ InsureMe
1132689
There are several good plans available in Florida.  Price is going to be a function of where you live and how old your daughter is.  Not all companies offer plans in all areas.\n\nThe best and most affordable health plan will be with Aetna, Blue Cross (BlueChoice), Humana, or United Healthcare (Golden Rule).  It depends where you live.  All are good companies ("A" rated by A.M. Best) with good coverage.\n\nPremiums are regulated by the Florida DOI (except UHC is regulated by the Illinois DOI and they do not regulate premiums).  Your best bet for a low premium is to look at deductibles of $1,000 to $2,500 with co-payments for Doctor visits and prescriptions.  These higher deductibles offer considerably lower premiums and can save you hundreds of dollars a year in premium.  \n\nIt is a question of managing your risk effectively.  Individual health insurance is medically underwritten.  This means that if you are not healthy and your are going to cost them money...you will be declined or the pre-existing conditions will be ridered (excluded) or rated up (price increase of 25-100%).\n\nOn the other hand, if  you are healthy you probably won't be using your health insurance for much more than preventative care.\n\nAetna, BCBS, and Humana all have good preventative care benefits that are NOT subject to the deductibles.  They also have co-pay options available or included in the product.\n\nI hope this helps.
424301
Go to www.ibx.com and click "Find a Health Plan."  My friend has coverage for $115/month
83854
There are many providers of short-term health insurance that would probably meet your needs. I had a great experience with an online provider, Clear Blue Insurance. Great site, really easy to deal with and a good choice of plans.
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.
470048
I had to go shopping for health insurance recently and got a lot of quotes with all kinds of options. Private pay - like what your asking. If your not over 40, healthy, don't smoke or have any special needs, then our situations are similar and I can tell you what I was impressed with. Out of 8 bids from various national company's; The two best were Mutual of Omaha and American Family. MofO was very impressive with coverage, additional free benefits and low cost riders like glasses and dental. American family was the same with an added benefit of a high yield health savings account that can be used as a tax deduction. Both had low deductables with free well care or low co pay well care, and were well under 200 a month not including riders. Good luck.
821552
There are a few ways to find some good, affordable health insurance.\n\nYou could look in the yellow pages under "health insurance" and meet with an agent that specializes in health insurance. That person could give you quotes and review your options with you.\n\nYou could ask your friends and family members who they have their health insurance through and get a quote from their agent.\n\nOr, you could compare health insurance quotes online from a quote provider. That way, you could review the rates and plans without any sales pressure from an agent.\n\nHere are two leading health insurance quote providers:\n\n1) InsureMe - they give you the five best health insurance quotes from top-rated health insurers nationwide. To Request a free, no obligation quote, Go to - http://www.insureme.com/landing.aspx?Refby=613598&Type=health\n\n2) eHealthinsurance.com offers you side-by-side quote comparisons from a large network of health insurers across the country.\n\nMake sure to compare plans at different deductibles to see how much you can save on your plan.\n\nAlso, review all exclusions, especially an exclusions for pre-existing conditions that might apply to you.\n\nI hope this helps you find some good health insurance to meet your needs. Best of luck to you.