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can you still get life insurance on loans?

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Dadummy



Joined: 15 Nov 2007
Dadummy's page
Posts: 547



218 Magic Points

Subject: can you still get life insurance on loans?
 
Posted on Tue Jan 01, 2008 9:15 pm  

can you still get life insurance on loans if your diabled? i got a loan and they said i couldnt get life on it because of my health problems. i am under doctors care but im not terminal, so why cant i get insurance/ it doesnt make sense to me ive been insured for years this is the first time ive been denied. figure that out.
Dadummy



Joined: 15 Nov 2007
Dadummy's page
Posts: 547



218 Magic Points

Subject: loans
 
Posted on Tue Jan 01, 2008 9:16 pm  

why or how can they do this
SunDevilsFan



Joined: 09 Nov 2007
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Posts: 171
Location: Sunny Arizona


6578 Magic Points

 
Posted on Wed Jan 02, 2008 3:49 am  

This would be an awesome question for the insurance forum...

Anyway, I am a 40 year old male in good health, BUT, had BP issues in the past (its in the family) and take meds for it. Thus, that issue is gone for now... But was denied life insurance because "I had past medical concerns" Referring to the BP... I wrote back and told them "I have present concerns over their current conditions of coverage for the average American citizen."

Its a good question Dadummy....
Dave Batista
Guest






Subject: your choice..
 
Posted on Wed Jan 02, 2008 10:00 am  

Quote:
i am under doctors care but im not terminal, so why cant i get insurance/ it doesnt make sense to me ive been insured for years this is the first time ive been denied.
Well, for the first things first i'd love to say that your prospective carrier may have their own terms & conditions stated at the policy papers.

You may need to go through all the clauses carefully & do a lot of window-shopping before you get something handy!
Since you're so much confident, that why i'd rely more on your doctor's vision & his statements. If your words are not getting counted, then perhaps his judgment would do.

Yes, its quite true that for possible pre-conditioned applicants the life insurance is scanty & even when it has something to offer the costs night just not be on your side.
But first of all you need to justify the fact that you're not a terminally ill patient & hence ought to get covered. If still your prayers are unheard then you'd always have the right to launch your complaint with the State dept. of insurance. Am I right!

Dave Batista
Laura

Laura

Joined: 21 Jun 2007
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Posted on Wed Jan 02, 2008 11:13 am  

Its great to have you here Dave.
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Laura.
goodnatured



Joined: 03 Nov 2007
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Posts: 3931



538 Magic Points

 
Posted on Thu Jan 03, 2008 4:28 am  

Welcome Dave, as Laura stated it is great to have you here.

Dadummy, I think that they would consider your condition and consider the risk, if you are in bad health you would be considered high risk, I know that is not what you wanted to hear, but if you go to the insurance forum and pose the question I am sure you will get a similar answer.
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Goodnatured,
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Dadummy



Joined: 15 Nov 2007
Dadummy's page
Posts: 547



218 Magic Points

Subject: insurance
 
Posted on Mon Jan 07, 2008 9:01 pm  

i called a bank and they said if i have health problems they dont have to give me life insurance.
Laura

Laura

Joined: 21 Jun 2007
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36459 Magic Points

 
Posted on Tue Jan 08, 2008 7:39 am  

Hi Da I am sending you a pm. Hope it helps.
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Regards,
Laura.
Dadummy



Joined: 15 Nov 2007
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218 Magic Points

Subject: insurance
 
Posted on Tue Jan 08, 2008 7:48 pm  

thanks everyone im still checking on this but in the meantime ill hold out .
goodnatured



Joined: 03 Nov 2007
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538 Magic Points

 
Posted on Tue Jan 08, 2008 8:01 pm  

They probably won't then if they are aware of your health issues. You are considered high risk to them.
_________________
Goodnatured,
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for all the ways I make $$ online
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anthony

anthony

Joined: 31 Jul 2006
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Posts: 516



13609 Magic Points

 
Posted on Wed Jun 25, 2008 12:23 pm  

yes, if you are going for a health insurance, the insurance company will always check your current health status to minimize their risk. This is because health insurance is based on the concept that the insurance company will take care of your medical expenses only after you have entered into an insurance agreement with the company. Now if you are medically unfit before you enter into an agreement with the insurance company, then this means that the probability that they need to pay you is high. So most of the insurance companies will not agree to provide an insurance to a sick person.
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A positive attitude is not achieved by turning a blind eye to the negative, but rather by responding to every situation in the most positive way possible.
imdajaz



Joined: 27 Dec 2008
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0 Magic Points

 
Posted on Sat Dec 27, 2008 7:27 am  

hi Dadummy which of the health problem have you? i also have same condition like you but i purchased life insurance so want to give you website of my company where i purchased life insurance.

.......................
http://www.jumplifeinsurance.co.uk
Camila
Guest






Subject: muYopPhujbKXKnpGMPaX
 
Posted on Mon Sep 02, 2013 8:55 am  

you do realize in order to keep his psrmioe that they would not go out of Business he just gave them 58 million more customers and if not the IRS will attach your refund and or fine you,where did I get the 58 mill you ask? you forget that he is fix en to give amnesty to immigrants unless of course the republicans did in their heels on it,what with all the violence in mexico right now and dead arizona man

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