Posts by Insurance Expert
Posting date Subject
Posted: Thu May 6 2:57:04 2010 Max, I assume that you are not investment ..
Posted: Sun Apr 4 7:34:43 2010 This could also be done with realistic ..
Posted: Sat Apr 3 10:36:07 2010 Die quickly and it will be a great ..
Posted: Thu Apr 1 6:50:13 2010 I think that WL is better sometimes. I think ..
Posted: Thu Apr 1 6:42:00 2010 Sorry, but there is nothing complicated about ..
Posted: Mon Mar 29 3:51:46 2010 The problem could be that UL products are ..
Posted: Sun Mar 28 4:42:22 2010 You can't cancel it because you are not the ..
Posted: Fri Mar 26 10:28:41 2010 It's not done as a bait and switch. Although, I ..
Posted: Fri Mar 26 7:52:15 2010 Hundreds of dollars of fines is much less than ..
Posted: Fri Mar 26 7:50:27 2010 Max, since she is saying that it is SGLI and she ..
Posted: Thu Mar 25 3:18:49 2010 No. However, there may be contractual ..
Posted: Thu Mar 25 3:11:03 2010 It makes sense that suicide would not be excluded ..
Posted: Sat Mar 20 12:54:48 2010 Money to pay for care is the necessity and not ..
Posted: Fri Mar 19 12:32:52 2010 The fact that he is non related doesn't ..
Posted: Fri Mar 19 12:30:14 2010 The fact that she received life insurance is ..
Posted: Fri Mar 19 8:17:38 2010 The thing to always keep in mind with disability ..
Posted: Thu Mar 18 1:34:39 2010 The answer for the OP is "yes". This ..
Posted: Tue Mar 16 5:28:15 2010 Individual Disability coverage won't, but ..
Posted: Tue Mar 16 2:45:39 2010 You don't need it. You'll be dead. Your wife ..
Posted: Sun Mar 14 4:51:10 2010 Short term does impact people, but it doesn't ..
Posted: Sun Mar 14 4:48:35 2010 Saw, Your father didn't name you, so you don't ..
Posted: Sat Mar 13 1:17:36 2010 Taxes are owed if someone gives away more than ..
Posted: Wed Mar 10 7:13:19 2010 The policies in which the definition changes are ..
Posted: Wed Mar 3 3:54:57 2010 You are the one here whining about this and not ..
Posted: Thu Feb 25 12:43:56 2010 Steve, you sound awfully wussy. Let's see if I ..
Posted: Wed Feb 17 3:09:37 2010 Since retirement is bound to happen, should we ..
Posted: Mon Feb 15 3:21:46 2010 Lori, that's interesting that you would never buy ..
Posted: Sat Feb 13 8:11:27 2010 BNTRS, I don't have any doubt that you have an ..
Posted: Fri Feb 12 2:40:19 2010 I have no problem with indexed annuities for a ..
Posted: Fri Feb 12 10:23:35 2010 We're both using hind sight. It's just that only ..
Posted: Fri Feb 12 8:24:31 2010 Gary, it appears as if you did exactly what I am ..
Posted: Fri Feb 12 7:49:51 2010 No. All of the guarantees aren't removed. UL ..
Posted: Fri Feb 12 6:06:36 2010 Gary, why didn't you just put her in a CD for ..
Posted: Fri Feb 12 5:00:25 2010 ...alternatively, these are basically what a ..
Posted: Fri Feb 12 4:58:48 2010 It's not being guaranteed for 80 years. It's ..
Posted: Thu Feb 11 8:04:23 2010 Max, I understood exactly what you wrote. If ..
Posted: Thu Feb 11 7:58:13 2010 Great post, Dgoldenz. UL with a secondary ..
Posted: Wed Feb 10 4:06:13 2010 A secondary guarantee is a promise by the ..
Posted: Wed Feb 10 4:01:03 2010 Max, if I'm not mistaken, it may be only ..
Posted: Wed Feb 10 3:55:53 2010 Steven, why is an immediate VA more secure than ..
Posted: Sun Feb 7 6:28:35 2010 Either way, it makes sense that they wouldn't ..
Posted: Sun Feb 7 6:22:56 2010 Please explain. I've certainly done this ..
Posted: Sun Feb 7 2:46:27 2010 You can disclaim the payment. If you do that, ..
Posted: Sun Feb 7 2:44:35 2010 BNTRS, I don't know enough about the Heath Ledger ..
Posted: Tue Feb 2 4:23:58 2010 A couple of small points... 1)Like InsTeacher, ..
Posted: Mon Feb 1 7:27:46 2010 Don't do it yourself. For the amount of money ..
Posted: Mon Feb 1 5:08:49 2010 The money is going to go to the children unless ..
Posted: Mon Feb 1 3:41:00 2010 industry. Why do insurance companies step ..
Posted: Mon Feb 1 3:37:33 2010 Annuitizing a variable annuity is very different ..
Posted: Mon Feb 1 3:33:08 2010 Your dad may have told you that you were supposed ..
Posted: Sun Jan 31 3:59:49 2010 dgoldenz, makes perfect sense. Thanks for the ..
Posted: Sat Jan 30 5:24:59 2010 The simplest ways are often the best. 1) Look at ..
Posted: Wed Jan 27 8:26:32 2010 a couple of follow up points... InsTeacher, ..
Posted: Wed Jan 27 6:02:48 2010 anonymous00, it is not accurate that non-tax ..
Posted: Wed Jan 27 1:40:22 2010 Good luck finding a B/D that will give you what ..
Posted: Tue Jan 26 5:40:39 2010 Are you the insured Are you now the owner Are ..
Posted: Tue Jan 26 1:00:24 2010 What you are asking about does exist. (I'm ..
Posted: Tue Jan 26 12:37:37 2010 Lori2, your use of language is making it ..
Posted: Tue Jan 26 4:26:18 2010 This is very ..
Posted: Mon Jan 25 6:19:49 2010 If you want to make the payments but are simply ..
Posted: Mon Jan 25 1:17:37 2010 Ketie, people often say that benefits under a ..
Posted: Mon Jan 25 1:14:21 2010 Estate planning is nothing more than planning for ..
Posted: Sun Jan 24 6:13:39 2010 It's an interesting subject. Because my B/D is ..
Posted: Sun Jan 24 7:53:31 2010 dgoldenz, I don't understand what you are saying. ..
Posted: Sun Jan 24 5:44:07 2010 "Investment" can't be used in ..
Posted: Sun Jan 24 5:34:00 2010 BNTRS, sorry that I didn't see your question to ..
Posted: Sat Jan 23 2:04:41 2010 It shouldn't take 2 months for the lawyer. The ..
Posted: Fri Jan 22 3:20:03 2010 Devil's adocate is a great way to learn and to ..
Posted: Fri Jan 22 3:18:49 2010 I disagree with this. The reason is that an ..
Posted: Fri Jan 22 7:31:22 2010 Again, I guess that this is possible, but ..
Posted: Thu Jan 21 2:20:01 2010 Good fix! ..
Posted: Thu Jan 21 10:34:18 2010 denardo1, I really can't claim any expertise in ..
Posted: Thu Jan 21 9:18:37 2010 BNTRS, it does not make sense to use a 2nd to die ..
Posted: Thu Jan 21 8:29:27 2010 This is a hard question to answer because you are ..
Posted: Wed Jan 20 11:30:00 2010 For the record, for a while, I was posting as ..
Posted: Wed Jan 20 11:17:17 2010 Hopefully, Gary hasn't made a comeback and we ..
Posted: Wed Jan 20 11:04:15 2010 Bee, usually, if there is no named beneficiary, ..
Posted: Wed Jan 20 10:50:37 2010 It might make sense, but we don't have enough ..
Posted: Tue Sep 29 6:23:22 2009 401(k)s don't apply. I'm strictly talking ..
Posted: Tue Sep 29 6:15:18 2009 Do you understand annually renewable term ..
Posted: Sun Sep 27 10:36:12 2009 Ex. SDchargerfan is the owner. Her son is the ..
Posted: Sat Sep 26 3:01:25 2009 It's not uncommon at all for the owner and the ..
Posted: Fri Sep 25 4:48:41 2009 It's probably pretty stupid to cancel the policy ..
Posted: Fri Sep 25 4:45:18 2009 AnMarie, I don't understand your last post. You ..
Posted: Fri Sep 25 5:57:36 2009 I would challenge you to think about this ..
Posted: Thu Sep 24 6:03:55 2009 The mother was capable of making decisions. ..
Posted: Thu Sep 24 5:56:53 2009 DON'T CASH OUT!!!! It might make sense to do ..
Posted: Mon Sep 21 12:09:52 2009 Ok. Here's an example. Jim invests $200,000 for ..
Posted: Sun Sep 20 7:57:07 2009 Yes, the primary beneficiary will have to send ..
Posted: Sat Sep 19 12:08:39 2009 There seems to be one overriding reason for ..
Posted: Sat Sep 19 12:01:33 2009 Did you look at the expenses of the variable ..
Posted: Sat Sep 19 11:59:48 2009 The beneficiary can disclaim the benefit. It's ..
Posted: Thu Sep 17 4:57:42 2009 NeedHelp, come back because this could be ..
Posted: Thu Sep 17 2:31:13 2009 It has very little to do with the age of the ..
Posted: Wed Sep 16 2:15:26 2009 A variable annuity is not an appropriate ..
Posted: Mon Sep 14 5:05:49 2009 Yes, the premiums will be taxed as income. The ..
Posted: Mon Sep 14 5:00:40 2009 They aren't trying to scare her. Income taxes ..
Posted: Mon Sep 14 4:49:36 2009 Shoot. My post disappeared. A policy will never ..
Posted: Sun Sep 13 1:05:25 2009 The language of the beneficiary designation ..
Posted: Sat Sep 12 5:31:38 2009 Stolen from the Social Security Website: ..
Posted: Sat Sep 12 2:20:44 2009 If she answers the questions honestly, she will ..
Posted: Sat Sep 12 12:45:42 2009 Marpol, that's an interesting post since you ..
Posted: Sat Sep 12 11:42:27 2009 That's not necessarily correct. Group LTD is ..
Posted: Sat Sep 12 11:39:29 2009 Pocketchange, you do have a motive. Nothing is ..
Posted: Wed Sep 9 5:56:47 2009 The contractual terms are simply different. I ..
Posted: Tue Sep 8 4:58:17 2009 In general, the answer is "no". They ..
Posted: Mon Sep 7 9:08:54 2009 Guest, any one can get a disability. What ..
Posted: Mon Sep 7 8:54:43 2009 Type of insurance should never be the first step. ..
Posted: Mon Sep 7 8:53:07 2009 Did you try asking him It seems like a good ..
Posted: Mon Sep 7 8:50:19 2009 With most policies, she would be covered ..
Posted: Sun Sep 6 10:01:21 2009 Gary, since all caps bolded letters aren't ..
Posted: Thu Sep 3 9:58:00 2009 As long as their is an absolute assignment on the ..
Posted: Thu Sep 3 9:01:27 2009 danpa, answer his questions if you want help. ..
Posted: Thu Sep 3 6:37:00 2009 It's not just the hoops of becoming registered. ..
Posted: Thu Sep 3 6:33:53 2009 If you have a term policy and you die while the ..
Posted: Thu Sep 3 5:12:37 2009 Gary, I asked this before inside of a thread, but ..
Posted: Wed Sep 2 4:49:20 2009 An insurance company will only sell a policy if ..
Posted: Wed Sep 2 4:46:54 2009 No taxes will be withheld. If your share is ..
Posted: Sun Aug 30 3:50:33 2009 They would sell it to her because they think that ..
Posted: Sun Aug 30 6:09:29 2009 It's not that the irrevocable beneficiary will ..
Posted: Sat Aug 29 5:14:59 2009 The answer to the original question is ..
Posted: Sat Aug 29 10:23:50 2009 Just keep in mind that employer backed coverage ..
Posted: Sat Aug 29 8:00:32 2009 SDCharger, Why would you possibly want the ..
Posted: Sat Aug 29 7:58:22 2009 Lori is correct. The insurance company will ..
Posted: Sat Aug 29 7:56:52 2009 Vickylyn, you won't be able to find out unless he ..
Posted: Sat Aug 29 7:52:19 2009 The only point to my original post in this ..
Posted: Sat Aug 29 7:45:04 2009 You are very close to being correct. The ..
Posted: Fri Aug 28 3:59:19 2009 To keep this very simple: 1)Many policies have ..
Posted: Fri Aug 28 3:58:12 2009 The point made in this thread is simply that ..
Posted: Fri Aug 28 3:28:25 2009 This thread was started precisely because I ..
Posted: Wed Aug 26 5:51:52 2009 Lori, smoke and mirrors is usually used to ..
Posted: Tue Aug 25 6:59:32 2009 There isn't a Florida Law that stops ..
Posted: Tue Aug 25 6:55:16 2009 Gary, please don't tell me that you are ..
Posted: Sat Aug 22 10:21:55 2009 Maybe you just don't understand Insurance ..
Posted: Thu Aug 20 12:16:34 2009 One of the issues is that because it is one year ..
Posted: Thu Aug 20 11:23:00 2009 Just for fun, I'll keep doing this with you. ..
Posted: Thu Aug 20 11:14:05 2009 I have confirmation. If the owner died, and a ..
Posted: Thu Aug 20 7:23:02 2009 Ok, thanks, so your understanding is the same as ..
Posted: Thu Aug 20 7:21:32 2009 Ok, thanks, so your understanding is the same as ..
Posted: Thu Aug 20 6:50:32 2009 Gary, that's a good tact that you are taking. ..
Posted: Wed Aug 19 6:04:31 2009 Wow, that's some real shoddy life insurance ..
Posted: Wed Aug 19 6:02:24 2009 Why How is this determined Is this because in ..
Posted: Wed Aug 19 3:59:38 2009 When you go online, you are most likely dealing ..
Posted: Wed Aug 19 3:57:49 2009 Mark, what do you mean by your last statement ..
Posted: Wed Aug 19 3:53:15 2009 Mark, do you know the answer to my ..
Posted: Wed Aug 19 3:07:29 2009 The insurance company won't give you a copy ..
Posted: Wed Aug 19 1:08:00 2009 Assuming that everything that you said in ..
Posted: Wed Aug 19 6:51:03 2009 To make it easy, I will summarize Gary's ..
Posted: Tue Aug 18 8:38:09 2009 Since here he said that it is mostly land, I'm ..
Posted: Tue Aug 18 8:17:52 2009 I answered the question differently here than on ..
Posted: Tue Aug 18 8:16:10 2009 I am a beneficiary of an irrevocable trust. It is ..
Posted: Tue Aug 18 7:30:20 2009 Does anybody care financially if you die today ..
Posted: Tue Aug 18 2:02:53 2009 Nope. ..
Posted: Tue Aug 18 1:12:04 2009 The Lloyd's policy can't be legal in the ..
Posted: Tue Aug 18 1:06:17 2009 I'm sure that it's done plenty of times in an ..
Posted: Tue Aug 18 12:22:13 2009 P.S. It's nice to be in a coversation with people ..
Posted: Tue Aug 18 12:21:16 2009 InsInvestigator, My comments had nothing to do ..
Posted: Tue Aug 18 10:50:36 2009 By the way for those reading this, they probably ..
Posted: Tue Aug 18 10:49:27 2009 Petersen's should have been my guess. They are ..
Posted: Tue Aug 18 10:16:23 2009 By the way, regardless of whether it is allowed, ..
Posted: Tue Aug 18 10:14:02 2009 InsuranceInvestigator, I don't have the expertise ..
Posted: Tue Aug 18 5:14:37 2009 What does it mean to be disabled Is an ..
Posted: Tue Aug 18 3:57:12 2009 Gary, I'm trying to figure out if you just aren't ..
Posted: Tue Aug 18 3:44:46 2009 I'm curious as to what you will do if EIAs become ..
Posted: Tue Aug 18 3:27:17 2009 Gary, I've never posted on Kiplinger's. I didn't ..
Posted: Tue Aug 18 3:23:50 2009 Gary, It's illegal to eat cake and ice cream at ..
Posted: Mon Aug 17 9:41:43 2009 Disability insurance is contractually driven. ..
Posted: Mon Aug 17 7:04:15 2009 No. When you see a quote on T.V., it's almost ..
Posted: Mon Aug 17 7:01:21 2009 Every situation is different. In most cases, ..
Posted: Mon Aug 17 6:58:17 2009 2) That's not what I mean. That has to do ..
Posted: Mon Aug 17 6:44:08 2009 The quote isn't coming from the person who gets ..
Posted: Mon Aug 17 12:48:53 2009 The "so what" is huge. First of ..
Posted: Mon Aug 17 12:40:26 2009 denardo, you're assumption is not correct. ..
Posted: Mon Aug 17 5:24:08 2009 Don't tell the insurance company anything. It's ..
Posted: Mon Aug 17 3:51:01 2009 Websites will help you get the least expensive ..
Posted: Sat Aug 15 8:20:16 2009 Gary, to you, it's a game. The rest of us ..
Posted: Sat Aug 15 8:18:38 2009 Look at his check ..
Posted: Sat Aug 15 3:43:10 2009 Gary, of course you will just link to something ..
Posted: Thu Aug 13 7:42:26 2009 As long as the policy is in force, you are in the ..
Posted: Thu Aug 13 5:45:33 2009 What do you mean by, "that my father had on ..
Posted: Thu Aug 13 6:31:37 2009 Moderators, please do the right thing and remove ..
Posted: Thu Aug 13 6:24:23 2009 (I'm using the wrong name for the Chase employee ..
Posted: Thu Aug 13 4:15:24 2009 I'm not trying to pick on you. I just want ..
Posted: Thu Aug 13 4:04:59 2009 I've been using the term "default", ..
Posted: Thu Aug 13 3:52:09 2009 Gary, So what Lot's of things will beat ..
Posted: Wed Aug 12 5:07:51 2009 If it was a blank claim form, it wouldn't have ..
Posted: Wed Aug 12 3:35:21 2009 mswatson27, just because it was an account ..
Posted: Wed Aug 12 3:30:33 2009 mswatson, haven't we just spent a lot of time ..
Posted: Tue Aug 11 2:09:48 2009 Thanks. If you would have quoted a little ..
Posted: Tue Aug 11 12:35:22 2009 There's a couple of issue here. 1) Many* ..
Posted: Tue Aug 11 12:26:00 2009 Everybody seems to be in agreement with this ..
Posted: Tue Aug 11 9:31:11 2009 mkortz, that's a very different subject. In the ..
Posted: Tue Aug 11 8:01:08 2009 mswatson27, since you did probate law that is ..
Posted: Tue Aug 11 7:00:03 2009 Gary, you are correct that the insurance ..
Posted: Tue Aug 11 6:51:39 2009 Gary, why do you keep quoting 222.13 It has no ..
Posted: Tue Aug 11 6:35:01 2009 Gary, Congratulations. If you are only willing ..
Posted: Tue Aug 11 6:00:06 2009 Nothing happens if the couple doesn't take the ..
Posted: Tue Aug 11 5:59:09 2009 Gary, can you translate this into English What ..
Posted: Tue Aug 11 4:30:11 2009 You are not off base. It's just that ..
Posted: Mon Aug 10 5:50:44 2009 SDCharger, you are not able to insure anyone you ..
Posted: Mon Aug 10 5:26:12 2009 sdchargersfan, you'll overpay by using that ..
Posted: Sun Aug 9 3:39:33 2009 SDCharger, the threads to which you are referring ..
Posted: Sat Aug 8 6:03:33 2009 My guess is that 30% of policies are not owned ..
Posted: Sat Aug 8 6:00:09 2009 Lori, great post. This thread started because ..
Posted: Fri Aug 7 9:39:59 2009 To age 65 is what I usually do. However, this ..
Posted: Fri Aug 7 7:08:32 2009 Thanks, but the analogy doesn't work. It does ..
Posted: Fri Aug 7 7:03:24 2009 The only way that I can think of that would make ..
Posted: Fri Aug 7 6:55:27 2009 I don't know about the legalities. However, ..
Posted: Fri Aug 7 6:51:47 2009 It's immediate. As soon as they receive the ..
Posted: Thu Aug 6 5:15:40 2009 Gary, if there is no beneficiary and the owner ..
Posted: Thu Aug 6 2:44:46 2009 The switchboard operator won't hang up on ..
Posted: Thu Aug 6 2:37:39 2009 Gary, I guess that you are one of those people ..
Posted: Thu Aug 6 2:22:36 2009 What does this ..
Posted: Wed Aug 5 2:13:32 2009 Why are you assuming that everyone ..
Posted: Tue Aug 4 9:18:21 2009 The policy is not paid up. A paid up policy no ..
Posted: Tue Aug 4 7:36:20 2009 What is ..
Posted: Tue Aug 4 7:26:12 2009 jodygal, your post is making no sense to me. How ..
Posted: Tue Aug 4 6:34:59 2009 Goldenzweig is absolutely correct on this. The ..
Posted: Tue Aug 4 4:27:22 2009 Darnardo, Ok, since you aren't going to ..
Posted: Tue Aug 4 4:20:30 2009 What makes VUL risky isn't just the ..
Posted: Mon Aug 3 6:58:29 2009 VUL sales are way down. Nothing has changed in ..
Posted: Mon Aug 3 6:51:47 2009 It's a definitive no. I'm very familiar with the ..
Posted: Sun Aug 2 1:56:32 2009 You have thus far completely failed to ..
Posted: Sun Aug 2 1:15:27 2009 Gary, I'm disappointed in your reading ..
Posted: Sun Aug 2 6:46:35 2009 There is typically lots of paperwork to sign when ..
Posted: Sat Aug 1 6:13:46 2009 sdchargersfan, take a look at your actual policy. ..
Posted: Sat Aug 1 7:17:26 2009 It really sounds like a gray area that is need of ..
Posted: Fri Jul 31 10:43:20 2009 Thanks for backing me up, Melanie. It's not too ..
Posted: Fri Jul 31 6:47:53 2009 Gary, you are asking me to prove a negative. ..
Posted: Fri Jul 31 6:10:49 2009 I don't know how you would get these papers or if ..
Posted: Fri Jul 31 5:58:55 2009 If she was listed as the beneficiary, MetLife ..
Posted: Fri Jul 31 5:56:59 2009 Why would it be a losing proposition for the ..
Posted: Fri Jul 31 5:46:23 2009 Absolutely, but in this case, a good agent ..
Posted: Fri Jul 31 5:07:04 2009 That's part of what I'm claiming. My claim ..
Posted: Fri Jul 31 4:58:46 2009 In this discussion, what is more common is ..
Posted: Fri Jul 31 4:44:58 2009 You make a very good point. Let's assume ..
Posted: Fri Jul 31 4:25:52 2009 froglike, they can't contest it. They have no ..
Posted: Fri Jul 31 4:18:17 2009 I think that you need to talk to an attorney and ..
Posted: Thu Jul 30 6:22:58 2009 GrievingSon, It sounds like your dad screwed ..
Posted: Thu Jul 30 6:12:19 2009 Correct. It's this technical point that ..
Posted: Thu Jul 30 6:08:50 2009 Ex. John is the owner on the policy for ..
Posted: Thu Jul 30 6:03:30 2009 Ex. John and Mary are married. John is the ..
Posted: Thu Jul 30 5:59:15 2009 Gary, the majority of policies have the owner and ..
Posted: Thu Jul 30 10:06:27 2009 If you have irate customers, why do you want them ..
Posted: Thu Jul 30 9:57:31 2009 This is language from a Florida application from ..
Posted: Thu Jul 30 9:39:36 2009 Whole life insurance can be a great thing. It is ..
Posted: Wed Jul 29 8:54:50 2009 There have been quite a few posts with this ..
Posted: Wed Jul 29 8:47:38 2009 I would think that there would be often a 1099 ..
Posted: Wed Jul 29 5:18:52 2009 lorrie22, may I respectfully suggest that you ..
Posted: Tue Jul 28 5:54:55 2009 If he lives for 24 months and then dies, the is ..
Posted: Mon Jul 27 11:29:03 2009 There's no truth to that. Also, don't ..
Posted: Mon Jul 27 8:58:09 2009 Can you back this up Typically, if there is ..
Posted: Mon Jul 27 8:52:41 2009 policy. The beneficiary is part of the ..
Posted: Fri Jul 24 3:45:42 2009 DV360, are they claiming the insurance benefits ..
Posted: Thu Jul 23 4:03:31 2009 Just to be clear, when I talk about "own ..
Posted: Thu Jul 23 3:53:23 2009 An insurance company doesn't care about ..
Posted: Wed Jul 22 6:32:58 2009 This has very little to do with "friends, ..
Posted: Wed Jul 22 3:17:59 2009 Make sure that you get answers from people who ..
Posted: Tue Jul 21 12:54:38 2009 abc123, there is a whole bunch of irrelevant ..
Posted: Tue Jul 21 11:03:02 2009 Yes. Ex. Mr. Jones dies with a ..
Posted: Sun Jul 19 12:06:54 2009 Ginna, the question can't possibly be answered ..
Posted: Sat Jul 18 12:02:25 2009 Often, insurance is purchased to protect one's ..
Posted: Sat Jul 18 11:59:10 2009 If there isn't a claim, how will they know that ..
Posted: Sat Jul 18 5:12:18 2009 The MIB does have a large database. I'm not sure ..
Posted: Sat Jul 18 5:09:12 2009 Incorrect. There is really nothing ..
Posted: Fri Jul 17 1:02:09 2009 I think that the majority of policies are ..
Posted: Fri Jul 17 12:13:55 2009 Lori, I wasn't trying to correct you. I was ..
Posted: Fri Jul 17 12:04:40 2009 Typically, it's not possible to not name a ..
Posted: Fri Jul 17 5:25:34 2009 It depends on the specifics of the ..
Posted: Fri Jul 17 5:24:27 2009 I don't recall seeing a policy with this ..
Posted: Fri Jul 17 3:14:41 2009 Design360, please don't guess at answers and then ..
Posted: Thu Jul 16 1:35:42 2009 Aaron, I'd like to buy a policy from a senior. ..
Posted: Thu Jul 16 1:20:07 2009 Nope. It's irrelevant and the owner of the ..
Posted: Thu Jul 16 1:17:35 2009 An "independent agent" is working as a ..
Posted: Thu Jul 16 11:39:54 2009 Michael, oops, I mean person who isnít ..
Posted: Thu Jul 16 11:11:12 2009 I would be much more concerned with this ..
Posted: Thu Jul 16 11:06:21 2009 Yes, the person can apply. It's just that the ..
Posted: Wed Jul 15 3:33:32 2009 One won't lose their insurance when they go to ..
Posted: Tue Jul 14 11:06:59 2009 Jail is not a safe place. People who are in jail ..
Posted: Tue Jul 14 4:01:47 2009 It took guts on your part to come back after all ..
Posted: Tue Jul 14 3:10:48 2009 I find it very interesting that Michael ..
Posted: Mon Jul 13 9:23:46 2009 When did find your policy start How many paying ..
Posted: Mon Jul 13 9:19:47 2009 Michael, let me give you a gigantic ! I ..
Posted: Mon Jul 13 8:56:21 2009 "Is the company incorporated" I see ..
Posted: Mon Jul 13 8:31:30 2009 Michael, it is this kind of post that causes you ..
Posted: Mon Jul 13 4:54:40 2009 Rupert, help me to understand something from the ..
Posted: Sun Jul 12 11:37:04 2009 Hurray for you, SDChargers! I never noticed this ..
Posted: Sun Jul 12 11:26:35 2009 I never saw it. I greatly apologize for this ..
Posted: Sun Jul 12 11:24:19 2009 The conclusion that I am being forced to draw is ..
Posted: Sat Jul 11 6:33:55 2009 Actually, you said to go to your site and look at ..
Posted: Sat Jul 11 6:04:38 2009 That agent was a fool. He should have put the ..
Posted: Sat Jul 11 5:55:58 2009 That's not a good sign when your friend ..
Posted: Sat Jul 11 5:49:57 2009 Michael, we tried addressing the negative issues ..
Posted: Sat Jul 11 12:30:52 2009 I assume that your son doesn't know that he ..
Posted: Sat Jul 11 12:24:14 2009 We've discussed the issue of Find Your Policy in ..
Posted: Fri Jul 10 6:55:20 2009 I apologize for what I'm about to do. It's ..
Posted: Fri Jul 10 4:23:49 2009 That stat might be very true, but that's not ..
Posted: Fri Jul 10 4:13:33 2009 A 58 year old can buy life ..
Posted: Thu Jul 9 6:42:28 2009 It's tough to answer generic questions ..
Posted: Thu Jul 9 6:39:06 2009 Are you sure that you would want it done on a ..
Posted: Thu Jul 9 4:11:12 2009 Yes, you can file a claim. The fact that it's ..
Posted: Thu Jul 9 4:06:39 2009 If you had coverage, you can file a claim. In ..
Posted: Thu Jul 9 4:01:40 2009 Insurance always needs to be purchased outside of ..
Posted: Thu Jul 9 3:50:15 2009 The answer to the question is "yes". ..
Posted: Wed Jul 8 7:10:49 2009 Insurance novice, the issue isn't whether he will ..
Posted: Sun Jul 5 5:10:29 2009 I'm just goint to parrot what dgoldenz wrote. A ..
Posted: Sun Jul 5 5:01:27 2009 After someone's dead, it is a little late to ..
Posted: Sat Jul 4 12:08:53 2009 If you want to PM me and give me a way to contact ..
Posted: Sat Jul 4 12:08:13 2009 Is there anything in the policy making it a ..
Posted: Sat Jul 4 8:55:06 2009 Ok, we're making progress. Something is still ..
Posted: Sat Jul 4 5:47:18 2009 Do you have disability insurance Do you have the ..
Posted: Sat Jul 4 5:45:07 2009 If you are trying to file a lawsuit, you need a ..
Posted: Fri Jul 3 5:07:12 2009 "BAC a little higher than what is ..
Posted: Fri Jul 3 2:46:22 2009 With P&C, in many states, credit does impact ..
Posted: Fri Jul 3 2:43:02 2009 I feel like I'm Jerry Springer. "My husband ..
Posted: Thu Jul 2 7:01:14 2009 Bad credit does not equal poor money management. ..
Posted: Thu Jul 2 4:33:43 2009 You are getting all buggered up on this ..
Posted: Thu Jul 2 4:16:44 2009 So, you were intentionally being ..
Posted: Thu Jul 2 3:58:41 2009 Marpol, don't put words in my mouth. I never ..
Posted: Wed Jul 1 4:49:55 2009 You are missing a couple very important ..
Posted: Wed Jul 1 4:40:13 2009 The mortality tables give the average ..
Posted: Wed Jul 1 4:32:59 2009 You have wrong information. The majority of ..
Posted: Wed Jul 1 4:23:21 2009 First of all, I have no idea where you are ..
Posted: Wed Jul 1 2:01:39 2009 If we change the facts just a little bit, I would ..
Posted: Wed Jul 1 1:57:25 2009 . The best case scenario is that death occurs ..
Posted: Wed Jul 1 1:39:37 2009 I like the concept. I'm a big believer in the ..
Posted: Wed Jul 1 8:03:13 2009 Steven, I think that he's being overly ..
Posted: Wed Jul 1 4:35:47 2009 An 86 year old female who can get standard rates ..
Posted: Tue Jun 30 3:26:42 2009 I was commenting strictly about life expectancy. ..
Posted: Mon Jun 29 6:54:48 2009 Don't confuse being HIV + with having AIDS. ..
Posted: Mon Jun 29 6:39:49 2009 Because your marriage was only 9 years and 6 ..
Posted: Mon Jun 29 5:13:45 2009 A pension is not just an annuity. A pension ..
Posted: Mon Jun 29 5:07:58 2009 Yes. In general, the better the policy, the ..
Posted: Fri Jun 26 1:35:52 2009 They would both claim the ..
Posted: Fri Jun 26 1:34:26 2009 That's not necessarily true. It can be done ..
Posted: Thu Jun 25 5:07:12 2009 Whole life is much more than 2-3 times more ..
Posted: Thu Jun 25 5:02:27 2009 Hadley, I going to pick on your post a little ..
Posted: Wed Jun 24 4:50:56 2009 Sorry, but that isn't helpful. That makes it ..
Posted: Wed Jun 24 4:31:26 2009 Who is the owner Who is the insured What ..
Posted: Wed Jun 24 3:08:39 2009 Gary, what's not to like with VUL Doesn't ..
Posted: Tue Jun 23 4:48:53 2009 I don't know what you mean by the term ..
Posted: Tue Jun 23 3:16:01 2009 The term "financial advisor" has no ..
Posted: Mon Jun 22 5:41:37 2009 I do the same thing. If I'm using a UL ..
Posted: Mon Jun 22 5:39:25 2009 Again, this has nothing specifically to do ..
Posted: Mon Jun 22 5:26:02 2009 Gary, You've asked some excellent questions ..
Posted: Mon Jun 22 3:34:19 2009 Feed names. Ask for whom you want. For ..
Posted: Mon Jun 22 3:29:26 2009 The money belongs to your son. Go ahead and file ..
Posted: Sun Jun 21 6:17:44 2009 The only thing that you should do now is get an ..
Posted: Sat Jun 20 5:30:04 2009 It should be mandated, but the problem is if ..
Posted: Sat Jun 20 5:26:38 2009 Your husband would be the insured. You would ..
Posted: Sat Jun 20 2:22:13 2009 As for individual policies integrating with ..
Posted: Sat Jun 20 2:18:01 2009 I'm sorry that our fellow poster, Gary, couldn't ..
Posted: Fri Jun 19 4:48:20 2009 InsTeacher, with quality DI products, that is ..
Posted: Fri Jun 19 4:40:37 2009 When your employer gives you something, they want ..
Posted: Fri Jun 19 4:33:48 2009 If you lie on the application form and get ..
Posted: Fri Jun 19 4:29:05 2009 They could surrender the smaller value plans, but ..
Posted: Fri Jun 19 4:26:03 2009 I doubt that you are the beneficiary of the ..
Posted: Fri Jun 19 4:21:58 2009 1) Make it part of the divorce decree. 2) You ..
Posted: Thu Jun 18 6:04:32 2009 Why can't someone write about the product without ..
Posted: Thu Jun 18 5:56:49 2009 There is something about these two quotes that ..
Posted: Thu Jun 18 5:36:04 2009 This question is a good example of why it is ..
Posted: Thu Jun 18 5:38:12 2009 Gary, we're certainly in agreement that one won't ..
Posted: Thu Jun 18 3:42:35 2009 Having safe money is very important. It can be ..
Posted: Wed Jun 17 5:28:17 2009 We'll see if we ever get a response from the ..
Posted: Wed Jun 17 6:07:37 2009 I would suspect that if the CSV is $290,000 that ..
Posted: Wed Jun 17 3:19:49 2009 How about if we start with 1/1/95-12/31/2004 ..
Posted: Wed Jun 17 2:58:55 2009 This is true, but does it matter Equities ..
Posted: Wed Jun 17 2:41:17 2009 Gary, I have no problem with fixed annuities. ..
Posted: Wed Jun 17 2:12:13 2009 What's the current death benefit of the ..
Posted: Tue Jun 16 4:13:39 2009 I don't know if it is true or not that there ..
Posted: Tue Jun 16 4:10:26 2009 Yes, but if this is your thought process, you ..
Posted: Tue Jun 16 3:57:30 2009 You are missing a crucial point. It is not ..
Posted: Mon Jun 15 9:52:38 2009 The answer to whether they are safe is ..
Posted: Mon Jun 15 9:48:48 2009 I'll just confirm what Gary is saying. The ..
Posted: Sat Jun 13 11:11:05 2009 1) Whole Life 2) Term insurance Every ..
Posted: Fri Jun 12 4:27:16 2009 For every client that wants their advisor to look ..
Posted: Fri Jun 12 4:25:09 2009 Steven, when it comes to life insurance, the rich ..
Posted: Thu Jun 11 5:20:18 2009 This thread sounds like a bunch of salesman ..
Posted: Thu Jun 11 9:13:54 2009 I don't recall ever having to get a change of ..
Posted: Wed Jun 10 2:39:57 2009 You are giving your son no protection at all. ..
Posted: Wed Jun 10 10:32:02 2009 66 years old; 5 feet 7 inches, arthrits; 310 ..
Posted: Wed Jun 10 3:56:11 2009 Please don't make up answers. The divorce ..
Posted: Wed Jun 10 3:48:00 2009 If you want to build a referral based practice, ..
Posted: Wed Jun 10 3:44:50 2009 They don't have to prove insurable ..
Posted: Sun Jun 7 1:29:46 2009 That last post was from ..
Posted: Sat Jun 6 1:18:01 2009 Gary, sorry, but I think once again, this isn't ..
Posted: Sat Jun 6 1:11:18 2009 Insurance Teacher, I'm not sure that I made ..
Posted: Fri Jun 5 11:06:15 2009 Typically with the Waiver of Premium for a ..
Posted: Fri Jun 5 8:23:14 2009 What you are saying doesn't make sense because it ..
Posted: Fri Jun 5 8:16:12 2009 Captive Agent: Can only sell the products of one ..
Posted: Fri Jun 5 8:05:20 2009 Denardo, your question appears to be in the wrong ..
Posted: Fri Jun 5 8:01:18 2009 It's possible. The extent to which this can be ..
Posted: Fri Jun 5 3:03:29 2009 Gary, I already did the math for you. If he ..
Posted: Fri Jun 5 12:56:02 2009 Gary, tell us how you really feel. I've looked ..
Posted: Fri Jun 5 6:25:20 2009 So, the bottom line for the original poster is ..
Posted: Fri Jun 5 6:09:14 2009 I looked at these life insurance for hiv patients ..
Posted: Fri Jun 5 5:26:42 2009 He can actually probably get $50,000. The ..
Posted: Fri Jun 5 3:51:03 2009 An Automatic Premium Loan is when the insured ..
Posted: Thu Jun 4 6:40:18 2009 I know that you mean well, but it's not ..
Posted: Thu Jun 4 6:35:59 2009 SD Charger, it's a shame that you are too ..
Posted: Thu Jun 4 6:35:05 2009 Since there are easy ways to make sure that ..
Posted: Thu Jun 4 4:31:22 2009 . St. Peter: Yes, he is. Why didn't you ..
Posted: Tue Jun 2 11:34:15 2009 Is this some internet version of Candid Camera ..
Posted: Tue Jun 2 1:51:26 2009 What do you mean by "tied to (owned by) ..
Posted: Tue Jun 2 1:41:35 2009 As a general rule, agents who do both, tend to be ..
Posted: Tue Jun 2 1:25:00 2009 SDCharger, you should really read Chapter 6 in ..
Posted: Mon Jun 1 6:24:29 2009 Pat, that's not planning ahead. That's making ..
Posted: Mon Jun 1 6:35:25 2009 We're not talking about an accidental death ..
Posted: Sun May 31 5:24:06 2009 If you attempt to answer my questions, you will ..
Posted: Sun May 31 1:10:57 2009 That is a grossly inaccurate ..
Posted: Sat May 30 4:59:34 2009 Unless the court has reason to believe that you ..
Posted: Sat May 30 3:49:04 2009 I think that is precisely the case in many ..
Posted: Sat May 30 3:45:39 2009 Gary, sorry, but there won't be a thread war on ..
Posted: Sat May 30 8:19:27 2009 You sound like the kind of agent who gives ..
Posted: Sat May 30 8:16:27 2009 There's lots of differences. For instance ..
Posted: Sat May 30 8:13:24 2009 There's a heck of a lot more to it than ..
Posted: Sat May 30 8:11:24 2009 Find a new agent. That isn't meant to be ..
Posted: Sat May 30 8:09:11 2009 If you are looking solely at guarantees, they ..
Posted: Sat May 30 5:32:18 2009 I've tried explaining this several times, but ..
Posted: Fri May 29 5:41:53 2009 Excellent. Now, this is something that makes ..
Posted: Fri May 29 2:08:50 2009 You just don't get it. It's not about trust. ..
Posted: Fri May 29 1:56:17 2009 I'd be more concerned with the company than ..
Posted: Fri May 29 1:53:58 2009 How about further explanation It sounds ..
Posted: Fri May 29 1:47:01 2009 Get a new agent. Everybody is an ideal candidate ..
Posted: Fri May 29 3:03:53 2009 business, it seems as if the really strong ..
Posted: Fri May 29 2:45:47 2009 There's not going to be anything difficult. The ..
Posted: Thu May 28 12:13:01 2009 Gary, I'd like to have an intelligent ..
Posted: Thu May 28 6:25:09 2009 Gary, Your SAFE designation is safe. The ..
Posted: Thu May 28 5:59:36 2009 If the policy is the same, the price will be the ..
Posted: Thu May 28 3:31:23 2009 Denardo, you appear to be confused. You are ..
Posted: Wed May 27 6:02:49 2009 It takes about 60 seconds to change a ..
Posted: Wed May 27 5:16:06 2009 Legally, mom, or whoever the trustee is, must ..
Posted: Wed May 27 3:15:21 2009 It depends on the insurance company. In most ..
Posted: Wed May 27 3:23:37 2009 Sorry about your loss. Congratulations on your ..
Posted: Wed May 27 3:16:29 2009 Universal Life (UL) is fancy annually renewable ..
Posted: Wed May 27 3:03:35 2009 Term insurance is temporary insurance. It lasts ..
Posted: Tue May 26 4:49:55 2009 The way that Universal Life typically gets ..
Posted: Tue May 26 3:34:35 2009 With how you currently have things arranged, do ..
Posted: Mon May 25 4:36:55 2009 Good job, picklesandchampagne. The link is ..
Posted: Mon May 25 1:06:41 2009 World Financial Group is a multi level marketing ..
Posted: Mon May 25 12:58:32 2009 Look at some of the captive companies who sell a ..
Posted: Mon May 25 7:42:43 2009 What you are "SMARTASSES" and ..
Posted: Mon May 25 7:38:36 2009 There is a difference that you are completely ..
Posted: Mon May 25 4:53:37 2009 Chris, why use a crazy example Let's play ..
Posted: Sun May 24 6:18:48 2009 If you want your friend to get EVERYTHING, then ..
Posted: Sun May 24 6:14:58 2009 SDCharger, please don't give up on this ..
Posted: Sun May 24 7:27:14 2009 Just to be fair, it can make sense in cases where ..
Posted: Sun May 24 7:26:02 2009 You are going to have to explain once again ..
Posted: Sat May 23 5:33:45 2009 Please repeat yourself again because I'm ..
Posted: Sat May 23 5:19:29 2009 You are so defensive that you can't see that ..
Posted: Sat May 23 11:08:56 2009 Somehow, I'm not so sure that she's getting ..
Posted: Sat May 23 4:57:08 2009 You need to make up your mind. Are you now ..
Posted: Sat May 23 4:44:15 2009 "The Military" is obviously not an ..
Posted: Sat May 23 4:41:19 2009 No. It would be no different than me giving ..
Posted: Sat May 23 4:34:11 2009 The person wants to earn a commission. Mortgage ..
Posted: Fri May 22 6:00:47 2009 An annuity can be purchased anytime somebody has ..
Posted: Fri May 22 5:52:58 2009 What are you talking about Why in the world would ..
Posted: Fri May 22 5:48:23 2009 There is no "AND". Your son is ..
Posted: Fri May 22 5:46:37 2009 No you don't. You have your friend as your ..
Posted: Fri May 22 5:23:10 2009 The beneficiary should not be someone you trust. ..
Posted: Fri May 22 5:48:01 2009 Cheap is bad. Inexpensive is good. If something ..
Posted: Fri May 22 5:42:35 2009 Why can't people on this board use proper ..
Posted: Thu May 21 5:18:20 2009 It's the realized gain that is taxable. If ..
Posted: Thu May 21 5:03:15 2009 Since I've been on this board, SDCharger, you ..
Posted: Wed May 20 6:20:00 2009 Thanks, Gary. Good arguments done in a civil ..
Posted: Wed May 20 5:50:08 2009 I AM WRONG! dgoldenz, thanks for the correct ..
Posted: Wed May 20 5:37:30 2009 You really want to run this by an attorney. ..
Posted: Wed May 20 3:20:33 2009 Rupert, annuities often have a death ..
Posted: Wed May 20 3:16:09 2009 Pickles, what is it that you would like to have ..
Posted: Tue May 19 6:24:47 2009 There are some life insurance companies that ..
Posted: Tue May 19 12:38:11 2009 What if you have neck and back problems the rest ..
Posted: Tue May 19 11:31:25 2009 Gary, no way is this just a woman's issue. The ..
Posted: Tue May 19 9:28:52 2009 Disability coverage is a subset of health ..
Posted: Tue May 19 8:34:55 2009 What's interesting about this quote is that ..
Posted: Tue May 19 5:55:46 2009 Maybe, I'm wrong, but I don't think that ..
Posted: Tue May 19 5:42:29 2009 Wait a second. First of all, if they didn't ..
Posted: Tue May 19 4:59:54 2009 Rupert, a stock broker is anybody who has ..
Posted: Tue May 19 4:49:56 2009 It wasn't really a serious comment. Gary was ..
Posted: Tue May 19 4:38:53 2009 We have to be careful with terminology. Part ..
Posted: Tue May 19 4:16:18 2009 I'm not sure what these numbers mean. For ..
Posted: Tue May 19 4:03:19 2009 We're missing facts. What makes you think that ..
Posted: Mon May 18 2:54:41 2009 No, I didn't say that stock brokers call ..
Posted: Mon May 18 2:43:10 2009 Sometimes people buy ADD without realizing how ..
Posted: Mon May 18 7:52:46 2009 Yes, it is easier to prove that you lost a ..
Posted: Mon May 18 6:46:42 2009 Gary, stock broker and registered representative ..
Posted: Mon May 18 6:37:50 2009 Do you need money just because you lose your ..
Posted: Mon May 18 6:35:11 2009 Accidental death insurance doesn't have a ..
Posted: Mon May 18 3:42:58 2009 Stockbrokers need to be an employee of a ..
Posted: Mon May 18 3:37:01 2009 Rupert, Accidental death policies often have ..
Posted: Sun May 17 5:19:35 2009 Gary, thanks for posting. I'm not a fan of ..
Posted: Sun May 17 10:09:51 2009 Why pay money to get a windfall that this is ..
Posted: Sun May 17 6:05:48 2009 AMIT, since I'm usually giving you a hard time, I ..
Posted: Sat May 16 2:05:26 2009 Nope. Let's use your numbers. Life ..
Posted: Sat May 16 6:48:13 2009 That's not always true. I'll use myself as ..
Posted: Sat May 16 6:40:52 2009 Nope. It still doesn't make sense. If your ..
Posted: Fri May 15 5:51:28 2009 You need someone to be honest with you. The ..
Posted: Fri May 15 1:20:43 2009 Gary, I still don't get it. I'm fine with them ..
Posted: Fri May 15 11:45:26 2009 Gary, I don't understand. Insurance Company ..
Posted: Fri May 15 10:16:49 2009 In many cases, there isn't much of a difference ..
Posted: Fri May 15 10:04:41 2009 A "career agent" is an any agent that ..
Posted: Fri May 15 3:57:13 2009 (This answer is coming from someone without ..
Posted: Fri May 15 3:33:26 2009 Joe and Sam are identical twins. Everything ..
Posted: Thu May 14 10:56:17 2009 Be careful of how this impacts the step-up in ..
Posted: Thu May 14 10:52:03 2009 That is why an absolute assignment or a change of ..
Posted: Thu May 14 3:24:46 2009 Why would you want to go against his wishes and ..
Posted: Thu May 14 3:20:11 2009 There are no rules that prohibit someone with ..
Posted: Thu May 14 3:17:12 2009 The court would actually have to order the life ..
Posted: Thu May 14 3:03:26 2009 There isn't a premium that can be ..
Posted: Thu May 14 3:00:52 2009 We're talking about life insurance and not ..
Posted: Wed May 13 5:26:58 2009 Michael, I have all of these questions/concerns ..
Posted: Wed May 13 1:45:25 2009 Why do people make up ..
Posted: Wed May 13 1:42:18 2009 has nonforfeiture options. One of these ..
Posted: Wed May 13 3:24:40 2009 Something that is irrevocable can't be revoked. ..
Posted: Tue May 12 6:30:49 2009 Yes. Let me make up an example for you. Joe ..
Posted: Mon May 11 7:07:49 2009 The insurance agent doesn't have to be one's ..
Posted: Mon May 11 3:09:32 2009 The success rate with any service like this ..
Posted: Mon May 11 3:03:04 2009 #1 A desire to leave money behind at death The ..
Posted: Mon May 11 3:00:48 2009 There can certainly be something as part of the ..
Posted: Mon May 11 2:56:40 2009 Considering that things were set up in such a way ..
Posted: Sun May 10 10:22:13 2009 I do hope that he can use it productively because ..
Posted: Sun May 10 10:20:06 2009 An irrevocable beneficiary can't be changed, ..
Posted: Sun May 10 10:18:11 2009 Because he wrote exactly what you said that ..
Posted: Sun May 10 6:43:14 2009 Gary, the reason why I'm saying that it's more ..
Posted: Sun May 10 3:04:26 2009 P&C insurance is not my expertise, so take ..
Posted: Sun May 10 2:56:06 2009 policy doesn't have a "cash value" ..
Posted: Sat May 9 10:52:17 2009 This is an old thread, but since it has been ..
Posted: Sat May 9 8:08:26 2009 Barbie, The younger age allows one to ..
Posted: Sat May 9 4:43:07 2009 First of all, it depends upon whether we are ..
Posted: Fri May 8 2:00:55 2009 The key part of your question is calling a ..
Posted: Thu May 7 3:44:06 2009 Lori, that would make more sense except for the ..
Posted: Thu May 7 4:00:49 2009 Nothing in this thread makes any sense to ..
Posted: Thu May 7 3:23:15 2009 If I sell my policy at auction, doesn't the ..
Posted: Wed May 6 6:08:43 2009 Amit, there you go again answering questions ..
Posted: Tue May 5 2:56:33 2009 The question isn't directed towards me, but this ..
Posted: Sun May 3 5:22:45 2009 Gary, I am missing what you are trying to say ..
Posted: Sun May 3 8:23:32 2009 There's not a mystery about this. It can ..
Posted: Sun May 3 7:21:36 2009 Lori, I admit that I can be wrong about this ..
Posted: Sat May 2 7:14:41 2009 The MIB does not have your medical records. This ..
Posted: Sat May 2 6:24:14 2009 Medical Information ..
Posted: Sat May 2 4:16:50 2009 This is an old thread, but one thing needs ..
Posted: Sat May 2 2:08:05 2009 It's not a question of whether the insured has ..
Posted: Sat May 2 1:58:51 2009 Just to clarify, most 5 year, 10 year, and 20 ..
Posted: Sat May 2 1:52:42 2009 It's only going to lapse in 12-13 years if they ..
Posted: Sat May 2 1:44:07 2009 Ok, if one can "certainly" do this, ..
Posted: Sat May 2 8:05:32 2009 Let's also keep in mind that there is much more ..
Posted: Fri May 1 5:31:23 2009 There are a couple of things that could be ..
Posted: Thu Apr 30 1:48:49 2009 This is an old thread that got resurrected. What ..
Posted: Tue Apr 28 2:11:19 2009 I wouldn't make that assumption without ..
Posted: Tue Apr 28 2:08:32 2009 I know that it didn't go from 95 to 68 in a ..
Posted: Tue Apr 28 3:20:36 2009 It depends on the insurance company. One of the ..
Posted: Tue Apr 28 3:15:27 2009 The reason for getting rid of him, they are ..
Posted: Mon Apr 27 5:09:10 2009 Both the company and the agent are correct. ..
Posted: Mon Apr 27 2:06:35 2009 Amit, not only are you agreeing with statements ..
Posted: Mon Apr 27 2:03:02 2009 She's not the owner. An insurance company won't ..
Posted: Sat Apr 25 5:02:35 2009 Michael, You have a start up company that needs ..
Posted: Sat Apr 25 4:58:18 2009 A decent agent can easily get the ratings ..
Posted: Sat Apr 25 4:47:13 2009 The biggest reason why I think that it is ..
Posted: Sat Apr 25 3:23:53 2009 Thus far, I have started two different threads. ..
Posted: Sat Apr 25 3:16:13 2009 Jeremy, where did someone mention insuring ..
Posted: Fri Apr 24 12:51:44 2009 I started a thread on Find your policy dot com. ..
Posted: Fri Apr 24 12:44:47 2009 policies usually don't have waiting periods. ..
Posted: Fri Apr 24 12:41:19 2009 A permanent policy is any policy that is designed ..
Posted: Thu Apr 23 9:39:55 2009 Michael, I really thought that this ..
Posted: Thu Apr 23 8:20:07 2009 Ed, you are asking an excellent question. I ..
Posted: Thu Apr 23 5:16:42 2009 People get involved with group plans because the ..
Posted: Thu Apr 23 5:12:58 2009 The contingent beneficiary would be waived before ..
Posted: Thu Apr 23 3:01:05 2009 Kelvin, I have no idea if your 9% figure is ..
Posted: Thu Apr 23 2:39:18 2009 No. The contingent would still not get a thing. ..
Posted: Wed Apr 22 7:00:33 2009 Michael, I applaud your efforts for your ..
Posted: Wed Apr 22 4:58:11 2009 Amit, that is not the definition of cash ..
Posted: Wed Apr 22 2:27:50 2009 Your still missing the point that if it is ..
Posted: Wed Apr 22 1:50:43 2009 You are missing my point. I agree that people ..
Posted: Wed Apr 22 12:46:51 2009 Can you please explain further why you think ..
Posted: Wed Apr 22 12:39:26 2009 morbidity =health ..
Posted: Wed Apr 22 12:37:57 2009 Yes, he can receive health insurance. If ..
Posted: Wed Apr 22 12:35:09 2009 Guaranteed issue health insurance won't work ..
Posted: Wed Apr 22 12:22:19 2009 The difference in premiums is caused by claims ..
Posted: Wed Apr 22 8:38:45 2009 I'm talking policies with very high premiums. ..
Posted: Wed Apr 22 7:21:42 2009 It's not difficult at all to get life insurance ..
Posted: Wed Apr 22 6:36:26 2009 Steven, this isn't just an international ..
Posted: Wed Apr 22 4:19:50 2009 Linn, does somebody care financially if you die ..
Posted: Tue Apr 21 8:21:57 2009 There are certainly times where a trust can be ..
Posted: Tue Apr 21 8:17:38 2009 Why is Asianking surely not a resident of ..
Posted: Tue Apr 21 3:00:33 2009 I'm convinced that people just make up ..
Posted: Tue Apr 21 2:50:12 2009 Amit, you are posting incorrect information. ..
Posted: Tue Apr 21 2:42:54 2009 Premium financing is typically used for large ..
Posted: Mon Apr 20 9:00:35 2009 First of all, I think that it's a really bad ..
Posted: Mon Apr 20 8:33:04 2009 Yes, and when that happens, the insured is ..
Posted: Mon Apr 20 7:48:03 2009 With the 80 year old, you are having him pay the ..
Posted: Mon Apr 20 7:10:22 2009 The age isn't relevant. The type of policy and ..
Posted: Mon Apr 20 4:44:49 2009 Amit, that has nothing to do with money ..
Posted: Mon Apr 20 4:34:53 2009 The cash value will be close to zero. However, ..
Posted: Mon Apr 20 4:13:24 2009 Yes, but.... Most people die when they ..
Posted: Mon Apr 20 4:02:51 2009 You can always cancel a policy at any time. You ..
Posted: Sun Apr 19 3:11:21 2009 If paying $24,000 would eat into their assets, ..
Posted: Sun Apr 19 9:01:49 2009 Thanks for continuing the dialog. Obviously, I'm ..
Posted: Sun Apr 19 8:41:40 2009 They only have to make contact at age one ..
Posted: Sun Apr 19 8:39:21 2009 Amit, the premium difference between two ..
Posted: Sun Apr 19 6:45:56 2009 Thanks for the response, Todd. I was thinking ..
Posted: Sun Apr 19 4:46:19 2009 Thanks. I now understand what you are ..
Posted: Sun Apr 19 3:57:58 2009 The insurance company doesn't contact the ..
Posted: Sat Apr 18 4:34:42 2009 Can you explain this case a little bit more ..
Posted: Sat Apr 18 4:08:27 2009 The answer to the original question is, ..
Posted: Sat Apr 18 3:57:29 2009 Todd, The underwriting isn't going to be ..
Posted: Fri Apr 17 9:59:34 2009 Todd, can you give some specific examples where a ..
Posted: Fri Apr 17 5:12:08 2009 A "CFP" has no real world meaning ..
Posted: Fri Apr 17 4:51:49 2009 There aren't 2 policies. There are hundreds of ..
Posted: Fri Apr 17 2:34:20 2009 Single premium WL doesn't have monthly premiums. ..
Posted: Fri Apr 17 2:31:43 2009 Steven, Let me give you one simple ..
Posted: Fri Apr 17 2:22:26 2009 You are having a hard time understanding ..
Posted: Thu Apr 16 12:50:49 2009 It should be easy to keep in force without ..
Posted: Thu Apr 16 12:44:47 2009 If the chances are slim to none, why buy life ..
Posted: Thu Apr 16 11:58:36 2009 (I'm assuming a 6% investment return.) A ..
Posted: Thu Apr 16 11:16:12 2009 Let's follow your logic a little further. If ..
Posted: Thu Apr 16 7:33:52 2009 Lamont, talk to an attorney. There is a big ..
Posted: Thu Apr 16 7:27:53 2009 Except for the fact that they are getting their ..
Posted: Thu Apr 16 6:52:45 2009 If a client is understanding something that isn't ..
Posted: Thu Apr 16 6:32:25 2009 It seems like a pretty bad gamble unless the ..
Posted: Thu Apr 16 5:54:26 2009 Of course, if he can get preferred rates at age ..
Posted: Thu Apr 16 5:42:47 2009 sdchargersfan, a beneficiary designation has very ..
Posted: Thu Apr 16 5:22:36 2009 sdchargersfan, it's interesting that you say that ..
Posted: Thu Apr 16 2:34:19 2009 I don't like VUL, but it should at least be ..
Posted: Thu Apr 16 2:28:24 2009 I am not saying that the type of coverage is ..
Posted: Wed Apr 15 10:27:38 2009 Steven, the person who should own no life ..
Posted: Wed Apr 15 1:25:44 2009 lucy77, the answer to your question is ..
Posted: Tue Apr 14 7:18:02 2009 The best type of is that which is in place at ..
Posted: Tue Apr 14 7:14:19 2009 Lori, great post. This type of thing is fairly ..
Posted: Tue Apr 14 2:09:52 2009 Why is it important to find out if she's named ..
Posted: Tue Apr 14 2:06:53 2009 Money laundering doesn't have to involve a great ..
Posted: Mon Apr 13 4:39:23 2009 I'm having trouble seeing how the fact that your ..
Posted: Sun Apr 12 6:10:57 2009 Ok, InsInvestigator can also use the English ..
Posted: Fri Apr 10 7:06:55 2009 Ins Teacher, are you the only poster on this ..
Posted: Thu Apr 9 12:56:56 2009 The obvious answer is usually the correct ..
Posted: Thu Apr 9 7:24:15 2009 No. In an UTMA account, the money must be ..
Posted: Tue Apr 7 5:48:50 2009 buckisaa, Is English not your first ..
Posted: Tue Apr 7 3:22:50 2009 I've been doing this for 20 years and I've never ..
Posted: Tue Apr 7 3:20:27 2009 Gary, I made an assumption in my post that a ..
Posted: Mon Apr 6 6:30:47 2009 Your use of the English language is making it ..
Posted: Mon Apr 6 5:37:10 2009 If the insurance company has nothing from you ..
Posted: Mon Apr 6 2:51:03 2009 It's easier than it sounds. It doesn't take ..
Posted: Sun Apr 5 7:10:19 2009 If your best friend is primary and your son is ..
Posted: Sun Apr 5 7:04:42 2009 In your case, you are both the owner and the ..
Posted: Sun Apr 5 7:01:04 2009 If your son is not a primary beneficiary, no part ..
Posted: Sun Apr 5 6:56:39 2009 It should be in the neighborhood of ..
Posted: Sun Apr 5 6:51:55 2009 If this is a decent amount of money, it's not ok ..
Posted: Sun Apr 5 6:45:29 2009 I know nothing about you are your situation ..
Posted: Sun Apr 5 6:37:02 2009 That is incorrect. In fact, if you want the ..
Posted: Sun Apr 5 5:47:09 2009 If the parent can easily afford the premium, it ..
Posted: Sun Apr 5 5:37:29 2009 "SD' there are only two forms of life ..
Posted: Sun Apr 5 5:31:33 2009 You're close. Term and Whole doesn't refer ..
Posted: Sun Apr 5 4:06:02 2009 When she buys a policy on her mother's life, ..
Posted: Sun Apr 5 3:41:02 2009 It sounds as if your mother had a policy that ..
Posted: Sun Apr 5 1:07:53 2009 You are definitely confused. Let me try to ..
Posted: Sun Apr 5 12:43:06 2009 The owner of the policy has the right to change ..
Posted: Sun Apr 5 12:38:39 2009 The contingent would not get a thing. All of ..
Posted: Sun Apr 5 12:34:50 2009 Your friend gets everything. Your parents ..
Posted: Sun Apr 5 12:27:58 2009 Incorrect. It will be part of your taxable ..
Posted: Sun Apr 5 12:23:04 2009 "It may happen at times that the primary ..
Posted: Sun Apr 5 12:18:34 2009 Why is this scary If there wasn't a named ..

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