I cannot believe my eyes

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PostPosted: Fri Jul 02, 2010 1:27 am   Post subject: Wow  

Interesting, sounds to good to be true. Maybe I should become a sales agent haha. Rather owning a store

drumbrat
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PostPosted: Fri Jul 02, 2010 1:30 am   Post subject:   

Life insurance with no exam isn't free. It just means no exam. Because there is no exam, it is typically more expensive.



Some things are free. As we've talked about, the Lifebridge program is free, but it is for working poor people with kids.


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PostPosted: Fri Jul 02, 2010 3:44 am   Post subject: insurance  

I've searched Lifebridge, on the web, and can't find any information on it. If this Insurance doesn't need any kind of exam, from their consumers, they are taking a big risk.

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PostPosted: Fri Jul 02, 2010 11:31 pm   Post subject:   

Max has posted details.

Not needing an exam doesn't equal big risk. This is because no exam doesn't equal no medical questions.

Insurance companies would prefer to do small policies without exams because the cost of the exam and getting medical information could equal an entire years worth of premium.


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PostPosted: Sat Jul 03, 2010 4:49 pm   Post subject: insurance  

Just about ANY Insurance company has Medical exams, to determine the 'risk' : 1) the risk medical status on the person who wants to be Insured..2)If that particular Insurance company wants to take that risk. Thsi entire 'free Insurance' thing still sounds very fishy to me. Never could find anything, VIA the Internet, on it.

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PostPosted: Sun Jul 04, 2010 12:26 am   Post subject:   

You may not be able to find it, but you have three insurance agents on this board who have told you that it exists and Max copied and pasted the information. It is a CHARITABLE endeavor.



Asking medical questions is not the same as having a medical exam. If a 60 year old wants $5,000,000 of coverage, there will be a medical exam. However, I don't know of a single life insurance company that would do a medical exam on a person under the age of 40 for a $50,000 10 year term policy.



In fact, unless there is a specific reason, they won't bother getting an attending physician statement. You have to understand that the exam will cost more than the insurance as will getting the medical records.


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PostPosted: Mon Jul 05, 2010 1:15 am   Post subject: insurance  

I spoke to a relative, of a friend of mine, this weekend. He's an Insurance broker. I was asking him questions about this "free Insurance." Actually...he DID say it DOES exist. However, he doesn't recommend it because...(paraphrasing here)....'that kind of Insurance doesn't have a money reserve to back them up, in case of emergencies and there is a huge amount of limitations. The small amount of benefits they SAY they have, they don't pay for.' (end of paraphrase)Well....I guess that 'sums it up' for me.

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PostPosted: Tue Jul 06, 2010 10:05 am   Post subject:   

SDchargersfan, get a relative who knows what he is talking about. One of your problems is that you have a tendency to latch onto incorrect information and believe it as fact. Haven't you figured out yet that when people on this board tell you something, you get correct information. This board has the advantage of people being able to correct incorrect information.



The free life insurance has the exact same reserves as all MassMutual life insurance policies. There are no limitations that don't exist on other policies. They pay their claims. The policy is no different than any other 10 year term insurance policy. There is no difference in the policy language.


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PostPosted: Tue Jul 06, 2010 11:57 am   Post subject: insurance  

Actually....I'm referring my 'clients' to other (low-income) Insurance policies that the relative recommends.

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PostPosted: Tue Jul 06, 2010 12:21 pm   Post subject:   

I have no idea what is meant by a low-income insurance policy.


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PostPosted: Tue Jul 06, 2010 1:02 pm   Post subject:   

My head just exploded.



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PostPosted: Tue Jul 06, 2010 4:52 pm   Post subject:   

Wait, is this conversation about free life insurance still taking place?

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PostPosted: Tue Jul 06, 2010 5:53 pm   Post subject: insurance  

Quote:
Wait, is this conversation about free life insurance still taking place?
Actually.... i really don't know. As I'm reading through the thread, I'm a bit confused about the "free" Insurance that is being discussed. In ONE post, it says "premiums are paid..". In ANOTHER post it says the Insurance is "free". As I posted above, I have a friend (a relative, of a friend..) that I asked advice about. I also told him about this Forum. he is very interested in the information, etc. on how this Forum works. he said he would, "love to post correct info and give some insight...." Low income Insurance?.....exactly what it means. A certain type of Life Insurance, that is 'geered toward' low income individuals (I that that was pretty self-explainatory).
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PostPosted: Tue Jul 06, 2010 6:39 pm   Post subject:   

The "free" insurance conversation started simply to point out that there is such a thing as free insurance and there aren't strings attached. Most conversations about free insurance involve somebody trying to sell something. That isn't the case with the Lifebridge program.



Is "low income insurance" something different than insurance policies with small face amounts? I've truly never heard of the term before.


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PostPosted: Tue Jul 06, 2010 8:47 pm   Post subject: insurance  

Quote:
Is "low income insurance" something different than insurance policies with small face amounts? I've truly never heard of the term before.

They ARE Insurance policies..Life Insurance policies. The broker I talked to had shown me some paperwork (of course, I didn't see a name on the paperwork) that a low-income family bought Whole Life Insurance for $50,000!! The family pays $10 per month for it!! I don't know which Insurance company, my friend went through. Since he is a broker, he deals with many types of Insurance and different Insurance Co's. However....this family ( I think a 'family of 4') has less than $800.00, per month, as income.
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