GUARANTEED, Graded Premium & Simplified issue Life – Burial Insurance

Introduction 

Guaranteed issues plan generally pay after you’ve had the policy for 3 years.  You do get your premium back though.  See actual brochures and EOC Evidence of Coverage for exact details.  They can be used to lower your Medi Cal Share of Cost.

• Fidelity Life Brochure – Simplified Medical Questions – Graded Death Benefit
• Gerber Life -We don’t get paid if you do it on their website directly so  email us [email protected] for further details and enrollment.
• North Coast Life.com Graded Death Benefit – Simplified Issue – 5 questions
• United (Mutual) of Omaha – Living Promise (Website General Info)
  • Highlight Sheet
  • direct.mutualofomaha.com/wholelife3/N51
  • Email us for more details  [email protected]
• Questionnaire’s to see if you might qualify for a rated policy, rather than simplified or guaranteed graded benefits.  These policies should work for terminally ill, obesity, HIV and cancer as long as one lives long enough and can answer the questions favorably.
• Reasons to buy and how it works – Insure Me Kevin.com 
• Email us for more information 

Final – Burial Expense Whole Life

Simplified Sample Questions

If the answer to any of the following questions is “YES”, the proposed insured is not eligible for the insurance applied for.

Is the proposed insured currently: Bedridden at home or confined in a hospital, nursing home, or long term care facility?

Has a member of the medical profession ever diagnosed or treated the Proposed Insured for Acquired Immune Deficiency Syndrome (AIDS) or AIDS Related Complex (ARC)?

Within the past year has the Proposed Insured:

(a) had a stroke, angina, heart attack or failure, cardiac or circulatory surgery, or Diabetes (requiring shots)?

(b) had or been treated for internal cancer or melanoma, leukemia, kidney failure, Alzheimer’s disease, alcoholism, drug dependence, or liver cirrhosis?

(c) used oxygen equipment to assist in breathing or had any amputation caused by disease? (nc life.com)

Estate Planning - Life Insurance & Long Term Care Related Pages 

• Estate Planning
  • Estate & Gift Taxes
  • Living Trust – Bank Accounts?
    • Executor – Successor Trustee – What are the duties?
    • Sample – Example California Will – Where does your stuff go? Health Care Directive
      • Probate
      • Will Contests – Disinherit a child
    • Special Needs Trust
• Life Insurance – Instant Quotes – Universal – Key Man Life
  • Rated – Surcharged Policies
    • Final Expense – Almost Guaranteed Issue
• Long Term Care Nursing & Home Health Care

Technical & Broker Links

NAAIP How to market

Quote Engine  for Final Expense Coverage