Why don't I have Life Insurance?

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Jackoby
New Member


Date Joined Jan 2012
Total Posts : 3
   Posted 1/16/2012 12:32 AM (GMT -6)   
Why don't I have life insurance? I know I need it, my husband and kids are covered but I am not. I was pregnant with twins when I actually inquired about some, but they told me I needed a physical. I didn't want to do that because of my pregnancy. Now here I am 4 months after the twins are born and still no life insurance. I gotta step it up, I know anything can happen. Maybe I just don't want to think about it. Then again who does? I am very much depressed due to this situation. I need motivation, someone motivate me please... My 6 kids should be motivation enough. Anyone know a good company for a policy? Thanks a bunch and wish me luck in finally getting covered.

theHTreturns...
Elite Member


Date Joined Mar 2009
Total Posts : 20186
   Posted 1/16/2012 2:52 AM (GMT -6)   
wishing you heaps of luck. where are you from? i only ask as you will receive good feedback
from members in your country/state or locality. welcome to the forum jackoby. feel better soon. ask around, word of mouth is a good indicator. with healing compassion, jamie.
EMOTIONALLY UNSTABLE PERSONALITY DISORDER,

RAPID CYCLING BI-POLAR DISORDER

REMEMBER TO LOVE YOU. BE YOU AND BE TRUE.

getting by
Forum Moderator


Date Joined Sep 2007
Total Posts : 42436
   Posted 1/16/2012 9:01 AM (GMT -6)   
Hi Jackoby,

My lilfe isnurance is through aarp. But I am older, it is new york life. You can go though any insurance company pretty much and get life insurance. But I would shop around for the cheapest rates. Not all of them make you get a physical. So don't be worried about that. I would start making calls and find the cheapest but most trustworthy place.

My hubby has life ins though our car ins dealer. It really came in handy as we were able to borrow against it when we had a fire. We paid it back right away though so nothing changed in the policy. I can borrow off of it or draw off of it whichever I prefer, but I prefer to leave it alone. Kind of like money in the bank. The rates are higher, but being able to borrow against it made it worth it.

I hope that you get some better info. Buyt I think starting out by making calls or get on the internet is the best route right now.

Best wishes, Welcome to the forum.

Hugs, Karen
Moderator-Depression and fibromyalgia


fibromyalgia, Chronic fatigue, depression, allergies

justwant2bemeagain
Regular Member


Date Joined Dec 2011
Total Posts : 140
   Posted 1/16/2012 10:00 AM (GMT -6)   
Hi , In the united states, I feel as though American Family Insurance has the most flexable and some of the best policys around. Good Luck !!

Blessings, Michelle

Jim1969
Veteran Member


Date Joined Jul 2009
Total Posts : 2042
   Posted 1/16/2012 11:38 AM (GMT -6)   
The best place to start is with the company your husband has his life insurance through. Even if he is covered through his place of employment it is not uncommon for spouses to be able to be covered.

The next best place, IMHO, is to talk to an independent insurance agent who represents several insurance companies.

The insurance physical is usually no big deal. More often than not it is nurse who gives it. (I have had 3 over the years and it was always done by a nurse who came to my house at my convenience). I had my BP checked, she listened to my heart, asked a handful of questions and that was it. To call it an actual physical was kind of a joke. The whole process took maybe 15 minutes. The worst case scenario I ever heard about was taking a form into your personal physician and having your doctor give you what amounts to an annual physical and fill in the information.

Quite honestly getting life insurance is one of the easiest parts in planning for the day we no longer are here. Making a will, trying to figure out who will take care of the kids, who gets what, etc is what I found more complicated, but once it is done it is like having a huge weight lifted from your shoulders.
2 confirmed herniated lumbar discs. Spinal Arthritis. Spinal Stenosis, diabetic peripheral nueropathy.
Moderator Depression Forum.

Joanne M
New Member


Date Joined Mar 2012
Total Posts : 1
   Posted 3/16/2012 11:03 PM (GMT -6)   
We all know that life insurance is a must have nowadays. We don't know what's to come so we really have to be prepared. Life insurance coverage is one of those things that a lot of us realize that we should get, but may not have yet committed to. One thing to bear in mind is that you may qualify for free life insurance coverage from a variety of sources.

Post Edited By Moderator (getting by) : 3/17/2012 5:59:04 AM (GMT-6)


Kalyn46
New Member


Date Joined May 2012
Total Posts : 1
   Posted 5/7/2012 4:53 AM (GMT -6)   
Thanks for sharing thoughts folks. Life insurance coverage is incredibly important, should something go wrong. You could already qualify for life insurance, for free, in some situations and I found it here Four places you might get free life insurance.

Thanks and best regards.

medved
Veteran Member


Date Joined Nov 2009
Total Posts : 1096
   Posted 5/7/2012 9:02 AM (GMT -6)   
If you are located in the United States and you want term life insurance, there are some websites that ask for your information (age, gender, smoker or not, how much coverage you want, for how many years, etc.) and then give you quotes from many companies. They also give you the rating of each company, which tells you something about the company's financial condition. You can then proceed with which company you like. It is pretty easy. I would give you the names and urls of some of these websites, but I am not sure whether the rules of this forum allow that. Sort of seems like advertising (though I have no interest in any of these websites or companies). If someone tells me it is OK to give you the websites, I will do so. Or else you can do a google search and find them. (I have a lot of life insurance; I am the sole earner in my family and it is important to me that they be taken care of after I die).

getting by
Forum Moderator


Date Joined Sep 2007
Total Posts : 42436
   Posted 5/7/2012 10:11 AM (GMT -6)   
I think it would be okay to post the sites. You said you don't have a vested interest in them, and are only wanting to help.

Take care,

Hugs, Karen
Moderator-Depression and fibromyalgia


fibromyalgia, Chronic fatigue, depression, allergies

medved
Veteran Member


Date Joined Nov 2009
Total Posts : 1096
   Posted 5/7/2012 7:49 PM (GMT -6)   
Try www.insure.com or http://www.intelliquote.com/
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