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PM me any insurance questions #8547956 03/05/22 12:24 AM
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tlk Offline OP
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I have been in the insurance business for 42 years as a totally independent agent. Life is good and I am working part time now. Over the years I have shared my experience on many threads here that asked insurance questions.

If any of you have questions or want advice on insurance I will gladly do my best to help you out. I will NOT sell or try to sell anyone on this forum anything. I just have been blessed to have had a great business with a ton of great friends and clients and this is my way of paying it back.

I do not do property and casualty (auto, home owners,etc.)

What I DO know inside and out is: life insurance, group medical insurance, Medicare supplements, long term care insurance, disability insurance and investments.

So feel free to PM me any questions (remember there are no stupid questions) and I will do my best to give you a second opinion


You can't fix stupid
Re: PM me any insurance questions [Re: tlk] #8547961 03/05/22 12:32 AM
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how much life insurance can i get with no physical at age 57?


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Re: PM me any insurance questions [Re: fadetoblack64] #8547969 03/05/22 12:39 AM
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tlk Offline OP
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not much - the TV ads that say they will sell you life insurance with no physical - problem is that the death benefits are reduced the first two years if a death occurs - reduced to basically giving the premiums that were paid back to your beneficiary

there are a few other guaranteed issued policies available but they are super expensive and again if you die with in the first two years the benefit is not much - the amount of death benefit they will issue is usually very limited without a physical

There are companies that offer no physical policies but believe me you will have to still answer a ton of health questions on the application - and if you fib about your health they have a two year contestability clause that allows them to deny paying the claim if they find you had pre existing conditions that you did not disclose

Never forget that life insurance companies do this for a living and they will not take on a high risk without covering themselves

Last edited by tlk; 03/05/22 12:43 AM.

You can't fix stupid
Re: PM me any insurance questions [Re: tlk] #8547970 03/05/22 12:40 AM
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Zero unless it's a graded life policy that you dont want.

Re: PM me any insurance questions [Re: tlk] #8547978 03/05/22 12:46 AM
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I was turned down for a new life ins policy for having Cancer 11 years ago even though I've been cancer free for 10 years. Pizzed me off after getting my blood drawn and the million-question application.


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Re: PM me any insurance questions [Re: Jimbo1] #8547990 03/05/22 12:54 AM
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Originally Posted by Jimbo1
I was turned down for a new life ins policy for having Cancer 11 years ago even though I've been cancer free for 10 years. Pizzed me off after getting my blood drawn and the million-question application.


depends on what type of cancer - in most cases cancer that is clear for ten years you would be offered coverage but it would most likely be rated a higher premium - sorry that happened - I know it is frustrating


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Re: PM me any insurance questions [Re: tlk] #8548018 03/05/22 01:21 AM
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Originally Posted by tlk
Originally Posted by Jimbo1
I was turned down for a new life ins policy for having Cancer 11 years ago even though I've been cancer free for 10 years. Pizzed me off after getting my blood drawn and the million-question application.


depends on what type of cancer - in most cases cancer that is clear for ten years you would be offered coverage but it would most likely be rated a higher premium - sorry that happened - I know it is frustrating

Yea, I was upfront about the cancer but was told they could still beat my current policy. All they did was waste my time and now they have tons of personal and family info that's probably already been sold.
F em!


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Re: PM me any insurance questions [Re: tlk] #8548024 03/05/22 01:25 AM
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well whoever told you that up front was in the wrong - no agent anywhere knows ahead of time what an underwriter will do - and for what it is worth the insurance companies cannot and do not sell your private information - they all have privacy rules they must abide by

and if you already have a policy in force then just keep it


Last edited by tlk; 03/05/22 01:25 AM.

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Re: PM me any insurance questions [Re: tlk] #8548030 03/05/22 01:29 AM
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Originally Posted by tlk
well whoever told you that up front was in the wrong - no agent anywhere knows ahead of time what an underwriter will do - and for what it is worth the insurance companies cannot and do not sell your private information - they all have privacy rules they must abide by

and if you already have a policy in force then just keep it


Thanks for the info. Happened a couple of months ago but this thread struck a chord! Ha!


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Re: PM me any insurance questions [Re: Jimbo1] #8548032 03/05/22 01:32 AM
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Good thread, I'm taking notes...

Re: PM me any insurance questions [Re: tlk] #8548046 03/05/22 01:48 AM
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I have a whole life policy I bought 30 years ago. My wife is a rider as term. Her rates have kept going up. I'm the sole income earner. What's my plan?


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Re: PM me any insurance questions [Re: bigbob_ftw] #8548259 03/05/22 12:15 PM
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Originally Posted by bigbob_ftw
I have a whole life policy I bought 30 years ago. My wife is a rider as term. Her rates have kept going up. I'm the sole income earner. What's my plan?


first question is do both of you still need the life insurance? In some cases as you get older and kids are gone etc. the need may go away.

If you do still need the coverage is she healthy? You can drop the rider on her and just buy her a new term policy that has a level premium for 10 or 20 years

Also on your whole life policy does it pay dividends? Many times on a policy that old the annual dividends can pay your annual premiums for you


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Re: PM me any insurance questions [Re: tlk] #8548278 03/05/22 12:48 PM
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Spam.


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Re: PM me any insurance questions [Re: bill oxner] #8548284 03/05/22 12:56 PM
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Originally Posted by bill oxner
Spam.


Really Bill? I have been on this forum for years - geez


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Re: PM me any insurance questions [Re: tlk] #8548291 03/05/22 01:05 PM
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Originally Posted by tlk
Originally Posted by bill oxner
Spam.


Really Bill? I have been on this forum for years - geez


Don`t worry about Oxy, he`s just trying to up his post count or he thought he was posting about his favorite meat substitute. duel

Re: PM me any insurance questions [Re: tlk] #8548308 03/05/22 01:30 PM
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Originally Posted by tlk
Originally Posted by bigbob_ftw
I have a whole life policy I bought 30 years ago. My wife is a rider as term. Her rates have kept going up. I'm the sole income earner. What's my plan?


first question is do both of you still need the life insurance? In some cases as you get older and kids are gone etc. the need may go away.

If you do still need the coverage is she healthy? You can drop the rider on her and just buy her a new term policy that has a level premium for 10 or 20 years

Also on your whole life policy does it pay dividends? Many times on a policy that old the annual dividends can pay your annual premiums for you


I'm 59, she's 53. We have a disabled son who will need care after we're gone. The dividends get rolled into the value of the policy.


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Re: PM me any insurance questions [Re: bigbob_ftw] #8548335 03/05/22 01:51 PM
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Originally Posted by bigbob_ftw
Originally Posted by tlk
Originally Posted by bigbob_ftw
I have a whole life policy I bought 30 years ago. My wife is a rider as term. Her rates have kept going up. I'm the sole income earner. What's my plan?


first question is do both of you still need the life insurance? In some cases as you get older and kids are gone etc. the need may go away.

If you do still need the coverage is she healthy? You can drop the rider on her and just buy her a new term policy that has a level premium for 10 or 20 years

Also on your whole life policy does it pay dividends? Many times on a policy that old the annual dividends can pay your annual premiums for you


I'm 59, she's 53. We have a disabled son who will need care after we're gone. The dividends get rolled into the value of the policy.


On your policy I was just letting you know that you have the option of letting your dividends pay your premium. Ask the company for an in force illustration and it will show you the numbers

On your wife if she is healthy I would get a quote on her own term policy - once she is approved and it is in force then just cancel the term rider on her that is on your policy


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Re: PM me any insurance questions [Re: tlk] #8548419 03/05/22 03:06 PM
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You never see Varmint Master on OT even when we have Auto Insurance threads.


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Re: PM me any insurance questions [Re: bill oxner] #8548421 03/05/22 03:12 PM
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Originally Posted by bill oxner
You never see Varmint Master on OT even when we have Auto Insurance threads.

loco


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Re: PM me any insurance questions [Re: tlk] #8548437 03/05/22 03:32 PM
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Suggest you just leave varmint outta this. Difference being varmint trying to sell something while tlk coming out of the goodness of his heart.

No good deed goes unpunished.

Re: PM me any insurance questions [Re: tlk] #8548459 03/05/22 04:03 PM
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The Orange Tractor Company requires the full theft/damage/towing/ID10T insurance package to finance a tractor. Supposedly the company insurance is equivalent to a commercial marine insurance package. Is it better to use the Orange Tractor Company insurance or get an additional coverage from the Big Commercial Company I have used for decades.

Re: PM me any insurance questions [Re: tlk] #8548463 03/05/22 04:07 PM
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I believe Kubota's preferred policy includes coverage for rising water (ie: flood) which most others do not. Even so, we insure a lot of tractors. Most all inland marine and farm equipment policies will cover fire, theft, collision, upset & overturn. Most will respond with an actual cash value response will some (very few) will actually provide replacement cost coverage up to the value stated on the policy.

Re: PM me any insurance questions [Re: tlk] #8548526 03/05/22 05:15 PM
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How long does it take to get your your refund if you sell your house two months before the expiration date? confused2


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Re: PM me any insurance questions [Re: tlk] #8548530 03/05/22 05:17 PM
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Should be within two weeks of signing your cancel request. Oftentimes quicker.

Re: PM me any insurance questions [Re: Hudbone] #8548534 03/05/22 05:20 PM
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Originally Posted by Hudbone
Should be within two weeks of signing your cancel request. Oftentimes quicker.


Will you forward it to the new address if the information on the zip code was in error?


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