Can you buy a life insurance policy on a prisoner?

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PostPosted: Thu Sep 09, 2010 3:21 am   Post subject:   

Should be coverable with a final expense policy. Or at the very least a burial insurance arrangement at a funeral home.

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PostPosted: Thu Sep 09, 2010 5:48 pm   Post subject:   

Quote:
IF my brother dies while in prison. I cannot afford to pay 10K or more for a funeral!!




First, BNTRS is correct, even while incarcerated, your brother could probably obtain a final expense policy, or you could on his behalf, although he will have to sign the application and someone would have to figure out how to conduct any required medical testing/examinations.



On the other hand, if an inmate dies while incarcerated and the family refuses to claim the body (or there is no family), the remains will either be buried at state expense (some older prisons still have burial grounds), or, more likely, cremated at state expense. You would not be charged for that.


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PostPosted: Sat Jan 29, 2011 4:13 am   Post subject: Insurance on Inmates in Prison  

This is an issue for families to insure their loved ones in prison. I believe life insurance should be for everyone - we all are going to die - its just a matter of time and a basic policy $25k is sufficient - some money to bury the person and some for family members to grieve - take some time off work to get their life back in order. The premiums of course would be higher because of the high risk. Send me an email if you find a company that do insure inmates. Thanks.


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DeLisa
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PostPosted: Sat Mar 05, 2011 9:42 pm   Post subject: Health Insurance for Incarcerated Individuals  

For my fiance to be released to parole he must obtain medical insurance. My local company agreed with a high balance however the underwriters have refused to accept him. Do you know of any companies that will insure individuals who are trying to make parole but are locked up at this time?


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PostPosted: Mon Jul 04, 2011 6:39 am   Post subject:   

Quote:
For my fiance to be released to parole he must obtain medical insurance.




Never heard of such a thing. In what state?


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PostPosted: Tue Jul 26, 2011 1:37 pm   Post subject: Incarcerated life insurance  

If they had a policy before they were incarcerated, the policy could continue. That would be one reason to keep paying premiums on life policies as they can't get it once they are in prison. If your concern is just burial expenses, a preneed (burial) policy might be something to look into. I honestly don't know if they would accept it or not, but might potentially meet the need. Working with a local funeral home or independent agent could help. Just as examples, Assurant and Homesteaders offer policies of this type, but may have the same restrictions as the other more traditional life policies.


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WindomEagle
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PostPosted: Tue Jul 26, 2011 4:51 pm   Post subject: Insurance issues for the incarcerated  

Hi,

I'm a freelance writer in Chicago working on an article about whether an inmate can get life insurance while incarcerated, what happens when someone incarcerated is the beneficiary of a life insurance policy and can an inmate buy private health insurance while incarcerated. I'm looking for family members and insurance experts who would be willing to answer a few questions on the phone. Please leave a message and let me know the best way to contact you.


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Reginawal
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PostPosted: Wed Jul 27, 2011 11:12 am   Post subject:   

Quote:
whether an inmate can get life insurance while incarcerated,


Highly unlikely. Too many risks while behind bars (or in the prison yard).



Quote:
what happens when someone incarcerated is the beneficiary of a life insurance policy


Depending on the state (or federal government), a person in prison for certain felonies may be disqualified as a life insurance beneficiary. A disqualification can be connected to the length of the prison term. Certainly, if the beneficiary is incarcerated because he/she committed or caused the unlawful "homicidal" death of the insured (or had something to do with it, such as hiring the killer), all state laws require the disqualification of the beneficiary. If not otherwise disqualified, the proceeds would have to be held in some form of trust account until the individual was released from custody.



Quote:
can an inmate buy private health insurance while incarcerated


For what purpose? The state (or federal government) is responsible for the "well-being" of its inmates. California, for example, spends more than $17,000 per year per inmate in its state prison healthcare system. Texas, on the other hand, provides the same sort of healthcare for less than $5,000 per inmate.



Additionally, health insurance policies do nor pay for care received in a "government-operated facility." State or federal prison fits that definition fairly well, as do VA and military hospitals or other government-run health care facilities. (County/city operated general hospitals, on the other hand are not included in that definition)


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PostPosted: Wed Nov 28, 2012 9:02 pm   Post subject: cremation  

a relative has died in a florida prison and will be cremated do we (the family) have to pay for his remains


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kinneyc
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PostPosted: Thu Nov 29, 2012 2:48 am   Post subject:   

Why are you asking us? Ask the prison officials in Florida. This is not an insurance question.



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PostPosted: Fri Apr 12, 2013 10:50 pm   Post subject: inurance  

If an inmate has insurance prior to being incarcerated and is seen by a private provider while incarcerated can that provider bill insurance


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anonymous12345
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PostPosted: Mon Apr 15, 2013 9:49 pm   Post subject:   

You must be asking about medical insurance, not life insurance. What type of health insurance is the question about?



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