Archive for July 23rd, 2010
What happens if I fail a life insurance drug test?
Posted by Insurancedojo in General, life insurance on July 23rd, 2010
My husband and I went to go get him a life insurance policy today and they had previously asked us if he smoked cigarettes.
So we admitted to him smoking cigarettes and understood that we would have to take the higher payments and rates. Then, next thing I know, after my agent gives my husband the oral saliva test to check for nicotine, I ask, “So if we admitted to him smoking, why do we need to take this test?” Finally, he admits that it is a drug test. We had just smoked a joint the night previous.
Anyway, the whole point is, if the tests come back positive for marijuana (which I’m sure they will) where do we go from here?
Should I just switch to another life insurance company?
Your husband will likely get turned down for life insurance coverage. You can talk to your agent about where to go from there.
The life insurance denial will show up in your records, the next time you apply for life insurance.
The Medical Information Bureau will be marked that you were denied life insurance due to drug use so you don’t try to lie to another life insurance company. It’s common knowledge that life insurance companies test for drugs (including nicotine), sugar in your blood, cholesterol, marijuana, etc.
Here is an article that review term life insurance no exam required. There are no physical examinations, no blood tests, no saliva tests, and no urine tests – just a few health questions. In fact, applicants may qualify for up to 0,000 of term life insurance without any examination. If you qualify, you can start your life insurance policy today.
Always make sure you answer all questions truthfully on the life insurance application so your claim is not turned down if you pass away.
NEW! Here’s How to Buy up to 0,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.
Disclosure: Compensated Affiliate
If a diabetic applies for a no physical life insurance policy, will he be declined?
Posted by Insurancedojo in General, life insurance on July 23rd, 2010
Life insurance companies have access to everyone’s medical data base so I was wondering if they would reject a diabetic on a no physical life insurance policy?
They may or may not decline a diabetic, you can request a quote and apply for coverage to find out if a diabetic would be approved for life insurance on a no exam life insurance policy.
There are several insurers that offer no exam life insurance, and each insurer has their own set of guidelines for approval.
Don’t confuse ‘no physical’ with ‘no questions asked.’ A graded benefit life insurance policy with no medical questions asked would be available to a diabetic (in many states and circumstances).
However, a diabetic may or may not qualify for a no physical life insurance policy, which usually offers more life insurance protection than a guaranteed acceptance life insurance plan.
Keep in mind, guaranteed acceptance life insurance policies have very low limits, and, you have to live at least two years paying in, before it will pay out a full death benefit.
Here’s how to learn more about life insurance for diabetes and compare plans offering life insurance no medical exam required.
NEW! Here’s How to Buy up to 0,000 of Term Life
Insurance without any Medical Exam,
Just a Few Health Questions.
Disclosure: Compensated Affiliate
Sandwich in a Can – Would you Eat One?
Posted by Insurancedojo in General, car insurance on July 23rd, 2010
If you thought ‘fast food’ couldn’t get any quicker than McDonalds, meet “Candwich,” the brand-new sandwich in a can.
In August, Mark One Foods will introduce the first Candwich products in limited areas of the United States. Peanut butter and jelly is the first flavor being rolled out, soon to be followed by barbeque chicken.
Aluminum cans keep food fresh for a year or longer, and each part of the sandwich will be individually wrapped to control levels of oxygen, moisture and acidity. Candwich cans are roughly the size of a 24 ounce aluminum can.
Since the product doesn’t need to be refrigerated, it can be sold both in stores and vending machines.
The can’s ingredients include a hot dog bun wrapped in cellophane, squeezable packets of peanut butter and jelly, and a piece of taffy for dessert. To eat, simply open the can, unwrap the bread packaging, squeeze on the peanut butter and jelly and you’re all set.
Unlike a sandwich made at home, canned sandwiches can roll around in the backseat of a car for months and still preserve that fresh-from-the-can taste every sandwich lover craves.
But the canned meal sensation doesn’t end with sandwiches. After the PB&J Candwiches roll out in August, they will be followed by canned renditions of other food items, including pepperoni pizza, French toast, and cinnamon rolls.
No nutrition information is available, but my guess is you’d better get a good health insurance policy if you plan to make Candwiches a staple in your diet.
Life Insurance Details
Posted by Jeff Cline in car insurance on July 23rd, 2010
Life insurance is an important requirement for every human being and those who are responsible for earning to meet expenses of the house are always thinking of the future of the family if something happens to them in the due course of their life. For such people, life insurance is the best option which can help them to completely secure the future of their family members who are dependent on them. Dependents generally include children and elderly people who cannot earn for themselves and need someone to take care of them.
In case something happens to the individual, the life insurance company shall pay the amount insured to the family and this shall help the family in leading a proper life and meet all expenses which are utmost.
There are several types of Life insurance policies available and one can search for the best life insurance policy after understanding the various options which are offered by these providers. Each individual has specific requirements and so the solution is also different. Life Insurance should be taken after understanding the needs and the same shall decide the tenure and the amount to be insured.
There are generally two types of life insurance options which include whole life insurance and term insurance. The whole life insurance is given for the complete duration till one is alive and is valid until the person dies. The other option is of term insurance which shall allow the policy to be given for a particular tenure and shall be not valid post tenure.
The whole life insurance plan shall cover the risk till the person lives. This is more expensive for this particular reason. This requires the insured to pay huge premiums because of the maturity policy. The policy has to be paid and the insurance company benefits from the premium in this. The family in such plan shall be covered for life.
This is why the while life policy is expensive. The term policy is cheaper basically as it is lesser term. The individual shall not be able to benefit once the tenure of the policy is over.
This is cheaper as the insured will not be able to gain any benefit once the term is over and the same shall not be paid by the provider.
One should search for the best providers who can offer the best insurance cover to the person. You can find fast and easy Life Insurance Quotes online that can help you determine your best options.
Learn more about Life Insurance Policy. Stop by Policy Store’s site where you can find out all about Life Insurance Policy and what it can do for you.
Cheap Auto Insurance Quotes: Top 5 Ways To Reduce Your Costs
Posted by Alan Rochford in car insurance on July 23rd, 2010
With gas costs constantly on the rise, car insurance is one area in which we can save some cash. Many of us pay more than we need to just because we don’t take time to seek out the best deals. If you want to find cheap auto insurance quotes, then here our top five tips.
1) Save Money Depending on What You Drive and How Often You Drive
Car insurance is usually more expensive if you own a newer vehicle with technology that would be more expensive to replace. However, depending on your coverage, you can help to reduce costs with safety devices such as anti-theft car alarms.
No matter what type of car you have, how often you drive it will also have an impact on how much your policy costs. The reason you use your vehicle will also play a role, but if you do tend to drive it infrequently then this is definitely something you should tell your insurance company.
2) The Coverage Type
The more comprehensive the cover you choose, the more it’s going to cost you. To find cheap auto insurance quotes, avoiding expensive add-ons can save you money, but always make sure you get the coverage you really need. Another option is to pay a higher deductible, as long as you could afford the amount should the need ever arise.
3) Opt for Gender Specific Insurance Companies
You might be surprised to know that women can get cheaper car insurance than men. Statistics show they are safer drivers, and there are now a number of insurance companies targeted exclusively at women.
4) Prove Your Experience
If you can prove that you’re a good driver then you’re going to be seen as less of a risk in the eyes of the insurer. This puts new drivers at a disadvantage, but you can always take an advanced driving course to reduce your premium. If you’ve been driving for longer, building up a no claims period can greatly reduce the amount you pay.
5) Compare, Compare, Compare
Finding the best insurance quotes doesn’t just happen – it does take time to do the research and compare what’s available. Although it may be time consuming, it could mean huge savings in the long run. The internet and comparison sites make this far easier than it ever used to be: just find a site that includes your state and compare your results.
Getting cheap auto insurance quotes is never guaranteed – there are simply too many factors at play. But, if you do your research and compare as many policies as possible, you’re sure to make significant savings.
Are you desperately searching for cheap auto insurance quotes? You can make things a lot simpler by visiting a site like Affordable Auto Insurance Quotes which has done the hard work and comparison for you.
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