Life insurance for difficult to insure? - life insurance basics
My brother is 40 years old, 3x drugs, most recently two years ago. They smoke. He became his people, the dismissal of the action capable of ensuring that all of them. Where can I go for basic life insurance?
Sunday, January 3, 2010
Life Insurance Basics Life Insurance For Difficult To Insure?
2 comments:
This can be difficult. I work for a large insurance companies and in the cases I have seen in the past, where drug use, can get coverage in general, but more costly. You can get the default (normal) fee, but you must pay a qualifying class of special tax for the first five years. In general, an additional cost per thousand. If it is rejected, only to find out how long they must wait before they can consider. If not, then he should wait until 50 and have a guaranteed issue policy from Gerber Life or farmers and traders, or one of them. I think the 50 years of age is not positive.
If you already have clean for two years should have the possibility of a company willing to have signed it. The insurance company is looking for acceptance from his brother, who has a problem, he sought treatment for the problem and that the main problems were solved. They want a stable work history and family history. A letter from you describe your current situation, which reside on the financial and emotional stability, and how he solved his problems.
Insurance will not be at the best prices, but some must be prepared to have signed it. It will be his problems behind him at least five years before not the best available rates.
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