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Please fill me in on the medical process of getting term life insurance.

My husband and I are in our 30s, healthy, and would like to start a family soon. Before I get pregnant, I would like us both to purchase term life insurance policies. However, the idea of having to get a physical from someone who isn't my regular doctor squicks me out a bit. How does the physical/medical part of obtaining term life insurance work exactly? I keep picturing having to go to some shady "doctor's" office in a weird part of town - and in metro Los Angeles where I live that is not so hard to imagine. Is there a way to find out which doctors an insurance company uses to do some research beforehand?
posted by emily37 on May 14, 2014 - 13 answers

Father about to be diagnosed with cancer needs help with life insurance

I'm 49 and my wife is 44. We have two small children 7 and 2 and do not own life insurance. Last Friday, we learned my wife has breast cancer, and the same day found out there is a likelihood I could be diagnosed with bladder cancer in the following weeks. Is there any kind of life insurance which I should quickly try to secure in the short time I have while I am still basically healthy? [more inside]
posted by anonymous on Mar 18, 2014 - 15 answers

Should I renew my life insurance policy?

My parents bought whole life insurance when I was born and it needs renewed. I was going to let it lapse, they want me to renew - do I really need life insurance? [more inside]
posted by lpcxa0 on Feb 20, 2014 - 18 answers

Getting our shit at LEAST in a diaper or something

OH HAY it's another prenatal question. Pursuant to getyourshittogether.org, I am trying to put those pesky ducks in a row before August. What kinds of documents, topics, etc. should we include in an estate plan et. al.? And what should we add (e.g. life insurance) to solidify things a bit more in case of Bad Things Happening? [more inside]
posted by Madamina on Feb 18, 2014 - 14 answers

What is the best way to get a >500k term life insurance policy on myself

’d like to buy a 1 million dollar life insurance policy for myself to protect my family and dependents should I die unexpectedly. I already know to get a term plan and avoid the other trappings that insurances may offer. Now the question is how do I do this? More inside [more inside]
posted by RapcityinBlue on Dec 16, 2013 - 11 answers

Life insurance for a healthy 27 yo: medical exam or no?

I currently pay $19.90 a month for term life insurance (and had some medical tests done for it, beforehand). But I can get life insurance for cheaper from other equally reputable companies ... but without a medical exam. I want to switch over, but I am worried that it might be the wrong decision. [more inside]
posted by Xere on Dec 1, 2013 - 5 answers

Buying Life Insurance and Supplemental LT Disability

My husband and I are looking to purchase term life and supplemental LT disability insurance, but we're really not sure what terms to look for (and look out for), which companies are reputable, and how the process works overall. Do you have any experience here? [more inside]
posted by 5845(f)(1)(D) on Oct 31, 2013 - 3 answers

When life insurance goes sour...

I am fairly sure that the terms of my life insurance policy were unfairly changed during a merger. The policy was issued in NY, and I need help understanding what my rights are and what type of policy was substituted for the one I purchased. Does anyone know of a nonprofit, legal clinic, or other organization that can help me interpret and advise me on how to proceed with a dispute with a life insurance company? I have already contacted the State Department of Financial Services and they were not helpful. [more inside]
posted by mylittlepoppet on Sep 13, 2013 - 3 answers

How to age gracefully, or how do the elderly transition into retirement?

As I assist my recently retired parents, I'm finding I know very little about the practical parts of traversing this phase of life. How do I help them manage their financial future, particularly with life insurance? I've read previous posts but special *elder* snowflake.. [more inside]
posted by loquat on Feb 7, 2013 - 5 answers

Estate-filter: How to cash a check made out to a long-inactive non-probate estate?

Misterben, my husband, is the sole beneficiary of the estate of his late grandmother, who died over twelve years ago. Last month, it came to light that his grandmother had a life insurance policy, and the insurer sent a check to Misterben's cousin D (his grandmother's niece, and the executor of the estate). Cousin D was unable to cash the check because it was made out in the name of the grandmother's estate. Neither the cousin nor Mr B have a copy of the will to prove that D is in fact the executor, since it was so long ago. The estate was too small to have gone into probate court, and neither Mr B nor cousin D remember the name of the lawyer who handled it. What can Mr B and/or his cousin do that would enable them to get the check cashed? The estate was in Florida, D lives in South Carolina, and Mr B lives in Washington state. There are no personal issues between Mr B and his cousin, and the cousin is happy to pass along the money once she can cash the check. It is a not huge but not insignificant amount, so he does not want to let it go.
posted by matildaben on Sep 25, 2012 - 10 answers

Bank did a bad thing; don't know how to respond to Bank

My bank, in Canada, committed what feels like fraud. Not sure of next steps. [more inside]
posted by anonymous on May 11, 2012 - 12 answers

How to cash a large check without a bank account?

Is it possible to cash a life insurance check (for a large amount), without having a bank account? What if the person has outstanding student loan debt? [more inside]
posted by charlie22 on Feb 29, 2012 - 9 answers

What do my cotinine test results mean?

I just got back my lab results from a life insurance physical, and it's showing results for tobacco use. I had told the doctor that I'm a nonsmoker - how screwed am I? [more inside]
posted by anonymous on Oct 1, 2011 - 13 answers

Has anyone had experience with life insurance policy locators?

Has anyone had experience with life insurance policy locators? [more inside]
posted by ziggly on Sep 6, 2011 - 1 answer

Hack my life insurance

What's the best route to low-cost, high-value term life insurance that doesn't involve broadcasting my medical information and contact information to multiple people? [more inside]
posted by moammargaret on Aug 30, 2011 - 3 answers

Unfortunately All in the Family

Is checking bank statements the best way to find a life insurance policy? Can someone get a life insurance payout if they are not the sole beneficiary? (Family drama below) [more inside]
posted by anonymous on Apr 27, 2011 - 11 answers

To what extent are we suckers, and... what should we do now?

This guy told me and my wife to buy insurance policies, so we did. To what extent are we suckers, and... what should we do now? [more inside]
posted by anonymous on Mar 14, 2011 - 7 answers

life insurance at the last minute?/wills/proxy

Can I get life insurance, or something, at the last minute? Headed to surgery. The odds are pretty good, but is there some way to back myself up here? I know you can't "get health insurance on your way to the hospital", but can't you get insurance before a flight for example? It is just determining risk, and assigning a cost? I am 60, no spouse, no kids, self-employed, but have a few personal debts I don't want to leave behind. Then there are funeral costs. Or is there a way to start something now, that if I come through well, I can continue and build on? I'm in good health actually, should be around for awhile, and really should have done this long ago. A simple will, and health proxy? Printed out "Durable Power of Attorney for Healthcare Decisions" and "Healthcare Treatment Directive". I live in NY Thanks
posted by ebesan on Mar 12, 2011 - 6 answers

How can a negative HIV test affect a person's insurance premiums?

I'm a health care professional, and I recently read on a physician's blog that a negative HIV test on your health record may affect life or health insurance premiums. I have a vague idea of why this might be, but if any infectious disease, insurance or other professionals could shed some light on this, please explain!
posted by cothebadger on Nov 19, 2010 - 16 answers

Improve My Life or Insure It?

Should I buy life insurance now, or when I'm healthier? [more inside]
posted by po822000 on Oct 5, 2010 - 6 answers

Life insurance woes!

Help me figure out what to do about a missing life insurance policy. [more inside]
posted by elizardbits on Oct 4, 2010 - 11 answers

The court says I can but the credit union says I can't

How best approach an uncooperative credit union to retrieve the items from my deceased mother's safe-deposit box? [more inside]
posted by tangram1 on Jul 27, 2010 - 9 answers

How to cancel life insurance before a medical exam and after you've signed up?

I signed up for life insurance at work without realizing it required a paramedical exam. This is a drug test too right? Can I decline coverage at this point or am I obligated to go through with the exam? [more inside]
posted by anonymous on Jul 20, 2010 - 11 answers

Worth it to buy an annuity?

Apparently I qualify to buy an annuity as part of a class action settlement. Is it worth it? [more inside]
posted by acridrabbit on Dec 20, 2009 - 7 answers

Overwhelmed with life insurance options

Help me jump these remaining life insurance hurdles! [more inside]
posted by siclik on Sep 9, 2009 - 4 answers

Am I anemic and is it a problem?

I'm currently applying for life insurance, and I'm wondering 1) how likely is it that I'm still anemic after recent blood loss, and 2) if I am, will that increase my life insurance rates? [more inside]
posted by robinpME on Sep 1, 2009 - 5 answers

How do I sell this life insurance policy without getting swindled?

What are/how do I find reputable firms who will buy my father's life insurance policy? How can I determine what a fair price would be? Is there anything special I need to know before I proceed? [more inside]
posted by telegraph on Apr 23, 2009 - 4 answers

Life Insurance and the Health Exam

Is it possible to get term life insurance without the health exam? [more inside]
posted by Zoyashka on Apr 9, 2009 - 9 answers

Life insurance help?

It's time for me to look into purchasing a life insurance policy. [more inside]
posted by zardoz on Feb 28, 2009 - 7 answers

I want to put a small price on my head.

Why should I refrain from buying a very modest 30-year term life insurance policy from a financially unstable company like AIG? [more inside]
posted by wabashbdw on Dec 19, 2008 - 3 answers

What life insurance coverage do I sign my mother up for?

Life Insurance Filter: I am looking to find coverage for my 55 y/o mother living in NJ. What is the best way to do this? [more inside]
posted by helios410 on Dec 15, 2008 - 5 answers

Am I just shy?

Did I have a normal life insurance appliction experience? [more inside]
posted by ms.v. on Nov 20, 2008 - 12 answers

Party On! The finer points of term life insurance policies

Life-Insurance-Filter (again): There have been some good threads in the past on understanding/buying life insurance, but I wanted to get a bit more specific this time around. [more inside]
posted by brandman on Oct 10, 2008 - 2 answers

life insurance HEALTH STATEMENT

My life insurance lapsed - and a new signed medical health statement is required - am I screwed if I lie? [more inside]
posted by Mr Chips on May 22, 2008 - 9 answers

should my young and debt-free partner get a life insurance?

should my partner get life insurance? He is young and debt-free. [more inside]
posted by esolo on May 6, 2008 - 20 answers

Should I cancel my life insurance policy and use it to pay off my consumer debt?

Should I cancel my life insurance policy and use it to pay off most or all of my consumer debt? [more inside]
posted by anonymous on Feb 29, 2008 - 8 answers

Can I get business travel (only) life insurance?

I have to travel to Johannesburg for 3 weeks on business so I thought I'd check our corporate travel / life insurance. I'm covered for $20,000 which I consider way below par. I need business travel life insurance options. [more inside]
posted by NailsTheCat on Oct 11, 2007 - 5 answers

How much is a life worth?

Educate me about life insurance. [more inside]
posted by anastasiav on Jun 25, 2007 - 11 answers

Who should we put as our beneficiary?

How does one provide life insurance benefit for someone who cannot have an income? [more inside]
posted by Jazz Hands on May 6, 2007 - 8 answers

Relatively speaking, how good is my life insurance quote?

Help me determine how fair my life insurance quote is. [more inside]
posted by neilkod on Feb 28, 2007 - 6 answers

How do I get life insurance without disclosing the skeevy details of therapy?

Is there a way to get life insurance without the underwriter seeing the complete records of my two-plus years in therapy? [more inside]
posted by anonymous on Feb 21, 2007 - 7 answers

What life insurance carrier to use?

Recommend a good life insurance provider. [more inside]
posted by BT on Apr 17, 2006 - 4 answers

Explain beneficiary vs. co-owner, and why I should care?

What is the difference between a beneficiary and a co-owner in terms of life insurance stocks? [more inside]
posted by SuperSquirrel on Mar 19, 2006 - 4 answers

Employer demanding a third life insurance policy

Ever have an employer require you to get a life insurance policy as part of the terms of your employment? [more inside]
posted by GhostintheMachine on Dec 1, 2005 - 16 answers

life insurance

What would happen, in theory, if someone were to fail a life insurance drug test? [more inside]
posted by anonymous on Jul 20, 2005 - 9 answers

Life insurance--where/what kind to get?

Life insurance--where/what kind to get? [more inside]
posted by MrMoonPie on Jan 28, 2005 - 6 answers

Life Insurance

Life-InsuranceFilter

Ok, I just noticed that I'm paying a fortune for my work sponsored life insurance. I need to figure out the best plan for a 35 year old divorced dad with one kid...any thoughts?
posted by keep it tight on Nov 18, 2004 - 5 answers

Term Life Insurance

We've talked about Health Insurance a few times - what about Term Life Insurance? I'm +40 years old with two kids and would like a bit more insurance than my job provides (basically 1 year salary). Should I go with a place like Reliaquote and just pick the best offer? Or is there a better approach?
posted by dhacker on Apr 30, 2004 - 2 answers

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