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 Posted: Fri Jan 23, 2009 12:36 pm Post subject: |
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bluebell that's a good point as well...sd the military (like all large corp)...some times have a problem getting information down to the people on the ground doing the job...i'll bet cha that what you were told was probably true when that person entered the military, and there have been changes that he didn't know about, or had not bother to check on prior to saying that...(I don't really blame him again like anything large, there are changes daily many never making it to those who really need to know  ) Just let us know if you find out about any other change to what your were originally told.
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Lori
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| Posted: Fri Jan 23, 2009 12:50 pm Post subject: |
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| Quote: | | I don't know what to tell you, GARY. Since I've been in the Military, the information, that I have posted above, is what I've been told. |
SD' that's what's known as hearsay.
Repeating what someone else told you and representing that as fact.
Hearsay literally means information gathered by the first person from a second person concerning some event, condition, or thing of which the first person had no direct experience.
Now I've said before I love your posts because they contain many myths and misconceptions regarding insurance and insurance agents.
What I don't like is your incessant recalcitrant postings that have been firmly dismissed and debunked with the facts.
What's sad here is that you are totally not teachable. And if the facts interfere with what you've been told you always default to what you've been told regardless of the facts if that's what you want to believe.
So it's a bit incredible that you continue with your hearsay when links have been provided on this thread to the United States Department of Veteran Affairs that specifically lists many of the myths and rumors regarding what you claim as fact.
You are doing the United States Armed Forces a disservice by continuing your non-sense by furthering myths and rumors that they themselves are trying to extinguish.
By the way, since Chief Justice Roberts screwed up Obama's Oath of Office, Dick Cheney is now the President of the United States, that's what someone told someone at Foxxx News.
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GarySpicuzza
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| Posted: Fri Jan 23, 2009 5:13 pm Post subject: |
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the best way to tell is to get a hold of the policy. Any of those exclusions have to be spelled out in the policy. I sell insurance to a lot of military people, though and they all want something over and beyond what the military offers and I have to say, it really is like any other job that offers insurance, you should always have something else to back it up, regardless of clauses and exclusions.
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Louise Jackson-Marquez
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jacksonfinancial
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| Posted: Fri Jan 23, 2009 5:21 pm Post subject: |
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and I really don't see why the military would insist upon such crazy exclusions to insurance when it is just that, insurance. Anyway, after reading this exhausting post I go back to what I said above... no need to ask anyone here, read a darn policy and it will spell it out for you. If you don't understand it, scan it and let one of us look at it.
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Louise Jackson-Marquez
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jacksonfinancial
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| Posted: Sat Jan 24, 2009 5:38 am Post subject: insurance |
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| And, AGAIN, I had posted earlier, that I spoke to my UA just a few days ago and he gave me the same information ( DUI's, Suicide,etc.) ...he was looking on an Army website, about the SGLI, at the same time he was talking to me on the phone. |
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sdchargersfan
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| Posted: Sat Jan 24, 2009 5:40 am Post subject: insurance |
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| I look at it THIS way..it IS a "fact" if someone is telling me the information DIRECTLY from the source.........AKO ( Army Knowledge Online). |
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sdchargersfan
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| Posted: Sat Jan 24, 2009 6:52 am Post subject: |
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http://www.insurance.va.gov/sgliSite/handbook/handbookAppend.htm#app_f Well it is a fact and reading over that entire handbook, I really have to say that although; their insurance is cheap, it is definitely not something to have as a stand alone... anyone who has this needs to get their own personal policy on top of it.
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Louise Jackson-Marquez
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jacksonfinancial
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| Posted: Sat Jan 24, 2009 1:04 pm Post subject: |
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jacksonfinancial,
Your link is for TRAUMATIC Servicemembers' Group Life Insurance.
From this link.
| Quote: | What Is TSGLI?
The Traumatic Injury Protection Under Servicemembers' Group Life Insurance (TSGLI) program is a rider to Servicemember's Group Life Insurance (SGLI). The TSGLI rider provides for payment to service members who are severely injured (on or off duty) as the result of a traumatic event and suffer a loss that qualifies for payment under TSGLI. |
This is the military version of Accidental Death and Dismemberment.
The EXCLUSIONS contained within your link are for the TSGLI rider ONLY.
This is also, no doubt, where some of the confusion lies.
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GarySpicuzza
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| Posted: Sat Jan 24, 2009 1:40 pm Post subject: |
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| Quote: | | This is also, no doubt, where some of the confusion lies. |
yep, think Jackson may have stumbled upon the problem and confusion
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"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
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Lori
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| Posted: Sat Jan 24, 2009 3:07 pm Post subject: insurance |
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| There are alot of 'Sub-Headings' under SGLI. I actually agree with GARY with the above post he made. It can ALL get confusing...even for me. LOL |
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sdchargersfan
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| Posted: Sat Jan 24, 2009 3:39 pm Post subject: |
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Well I guess it would be from reading the SGLI handbook and it refrencing the appendix where this was found. I specifically pulled up that handbook and not the TSGLI. I will admit, though, that site is absolutely horror to navigate. I really almost dropped, reading that because of the sheer raunchiness of what I thought it was and how awful I thought it would be to do to service members to exclude all of that but if that is not the case; which I had originally thought it wasn't; they really need to re-do that website because I am certainly not the average bear and if I can make that kind of mistake, no wonder it is a common belief...
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Louise Jackson-Marquez
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jacksonfinancial
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| Posted: Sun Jan 25, 2009 2:42 am Post subject: insurance |
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Believe it or not ( and I'm SURE you're believe THIS one..) my Unit has handbooks that were last 'copyrighted' in the mid 80's......alot of them NOT updated yet!! Alot of Military website information hasn't been updated in AGES!!  Most of the TM's ( Training Manuals ) for the Military vehicles haven't been updated since the Vietnam War.......yep, it's true!! I'm a Military truck driver and a Supply 'specialist' for my unit. |
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sdchargersfan
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| Posted: Tue Mar 16, 2010 9:16 pm Post subject: Suicide Exclusion |
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A relative's policy states:
If your death results from suicide or other self-inflicted injury, while sane or insane, 1 and 2 below apply.
1. The amount payable will exclude the amount of your life insurance which has not been continuously in effect for at least two years on the date of your death. In computing the 2 year period, we will include time you were insured under your Employer's coverage under a Group Life Policy.
2. We will refund all premiums paid for that portion of Life Insurance which is excluded from payment under this exclusion.
Is this a standard two year exclusion or something different? |
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johns
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| Posted: Wed Mar 17, 2010 2:25 am Post subject: |
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| Yup, standard two year suicide clause. |
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BNTRS
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| Posted: Sat Mar 20, 2010 9:52 am Post subject: insurance |
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| So...a 2 year policy is for 'regular' Life Insurance..not Miltary. (Off the subject, a bit, here..) It's too bad that people have to come to the 'conclusion' to take their own lives. I know situations seem like they will never end..however, there are Counslers, etc., out there to talk to.[/quote] |
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sdchargersfan
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