Comments for Term Life Insurance | Cheap Life Insurance Quotes

Comment on Watch How You Answer Travel Questions on Life Insurance Applications by jessica

jessica — Fri, 13 Jan 2012 01:49:30 +0000

Hi, Scooter. I wouldn’t worry too much about this. The application only asks if you have plans. If you had no plans and made them later, you should be fine. To interfere with a claim, the company would have to show proof you knew you would be traveling to a high risk location at the time you completed the application. Because the trip was not foreseen at the time of the application it could not be used against the beneficiaries filing a claim.

Comment on Watch How You Answer Travel Questions on Life Insurance Applications by scooter

scooter — Tue, 10 Jan 2012 18:50:37 +0000

Hi, interesting read. But as a follow-up, what happens if:
- at the time of application, there were no plans or intent of going outside the US
- so the applicant is considered low-risk and the insurance policy is approved
- but later on the policy holder travels outside the US

Question: If/When the policy is exercised, would the insurance company use the fact that there was travel outside the US against the insured? Would the trip, which was not foreseen during the time of application, compromise the insurance policy?

Comment on Understanding Long Term Care Insurance by Larry

Larry — Fri, 23 Dec 2011 23:41:09 +0000

This is a test comment

Comment on 6 Reasons You Should Never Lie to Your Life Insurance Company by matt

matt — Fri, 21 Oct 2011 07:39:55 +0000

There is no reason to lie to an insurance company in order to lower your premium. If you do it is considered as a serious fraud and will not be treated lightly. If you’re a smoker but successfully hid the fact and were successful in obtaining cover at a non-smoker’s rate, and died during the term of your cover, the fact that you are a smoker could come up during a coronial inquest or during an examination of your medical history.

Comment on A High Fiber Diet Can Help You Outlive Your Term Life Insurance Policy by Pamela R. Desantiago

Pamela R. Desantiago — Sun, 16 Oct 2011 10:26:19 +0000

A really well written post, thank you for your hard work, please keep it up. In fact, a diet high in fiber can be convenient and tasty – as easy a bowl of bran cereal topped with berries…or as exotic as, say, conchiglie with artichoke sauce, a simple pasta recipe that contains nearly 20 grams of fiber in one serving. There are no limitations. high fiber

Comment on What are the Differences Between Term and Permanent Life Insurance? by jessica

jessica — Mon, 10 Oct 2011 22:58:32 +0000

Hello Eleanor!

I agree that you should be entitled to your premium if the policy ended on your birthday but you kept making payments. You should call your agent or the insurance company’s billing department to find out about a refund. They will not automatically send you the money. You must ask for it. Good luck and please write back if you run into trouble. We might be able to help you resolve this.

Comment on What are the Differences Between Term and Permanent Life Insurance? by Eleanor L Yates

Eleanor L Yates — Thu, 29 Sep 2011 16:41:34 +0000

If you have Term Insurance is the company suppose to Notify you that your policy is about to be canceled and you will no longer be insured. I was 80 on December 30th 2010, and they still continued to get the monthly payment until August 2011. Since my policy expired when I turned 80 should’nt the monies that was sent to them from my bank from January 2011 to August 2011 be refunded to me.

Eleanor Yates

Comment on Do You Need a Will or a Living Trust? by Living trusts

Living trusts — Mon, 08 Aug 2011 11:06:23 +0000

A Trust is a legal document that holds title or ownership to your real property and assets. When you create a Living trusts you transfer ownership of your assets to the Trust. You do not relinquish any control of your assets. You may still buy, sell, borrow or transfer assets to and from the Living Trust.

Comment on Don’t Let Your Insurance Exam Be Your First Notice of High Blood Pressure by QuickQuote Financial

QuickQuote Financial — Thu, 07 Jul 2011 15:28:01 +0000

Some people get very nervous as soon as they see a doctor or nurse who is about to take their blood pressure. This is called “white coat syndrome”, and can cause elevated blood pressure readings in the clinical setting but not otherwise. Talk to your doctor if you think you might have this syndrome and be sure it is noted on your physical exam.