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MrsA1012
love my little girl !
Member since 9/10 5777 total posts
Name:
Me
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Life insurance
Can someone talk me through the process. I am looking for term , for at least 20 years. Anyone have a reccmendation for a great insurance agent ? Also, what do the companies check for before underwriting you ? Medical records ? Anything else.
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Posted 10/5/16 9:03 AM  |
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NervousNell
Just another chapter in life..
Member since 11/09 54921 total posts
Name:
..being a mommy and being a wife!
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Re: Life insurance
Not sure on who to use as my BIL owns and agency and we just went through him and he set the whole thing up and found us the best companies to go with.
They didn't check our medical records. DH hasn't been to a doctor in like 20 years! I barely have any medical records myself as I'm not a big doctor goer.
They just send someone to the house to do height, weight, blood pressure, blood work.
That was it
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| Posted 10/5/16 9:06 AM |
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Mrs&MrsK
i need sleep ;-)
Member since 2/14 2008 total posts
Name:
L
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Life insurance
i have met life and its good.
they will send a nurse and ask you a few questions, do a test for smoking.
state farm does same.
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| Posted 10/5/16 10:57 AM |
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MrsA1012
love my little girl !
Member since 9/10 5777 total posts
Name:
Me
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Life insurance
No blood work ?
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| Posted 10/5/16 11:14 AM |
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JDubs
different, not less
Member since 7/09 13160 total posts
Name:
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Re: Life insurance
Posted by NervousNell
Not sure on who to use as my BIL owns and agency and we just went through him and he set the whole thing up and found us the best companies to go with.
They didn't check our medical records. DH hasn't been to a doctor in like 20 years! I barely have any medical records myself as I'm not a big doctor goer.
They just send someone to the house to do height, weight, blood pressure, blood work.
That was it
This. We have ours through AXA Equitable
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| Posted 10/5/16 11:29 AM |
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Peainapod
Peanuts are here!
Member since 1/09 13591 total posts
Name:
Diana
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Re: Life insurance
we have ours through ING Direct / Reliastar.But I am in PA so the companies may vary state to state.
I went through a broker; they send a nurse to the house to do basic medical forms, stats, draw blood and then send the blood to a lab. There wasnt too much medical digging.
I have a super preferred rate; Dh has a preferred rate. But for the fact that his dad died at 42 yrs old of heart disease, DH would have had the super preferred. they will not revisit the rate until Dh surpasses the age of which his father passed.
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| Posted 10/5/16 1:30 PM |
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DiamondGirl
You are my I love you
Member since 7/09 18802 total posts
Name:
DiamondMama
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Re: Life insurance
Posted by JDubs
Posted by NervousNell
Not sure on who to use as my BIL owns and agency and we just went through him and he set the whole thing up and found us the best companies to go with.
They didn't check our medical records. DH hasn't been to a doctor in like 20 years! I barely have any medical records myself as I'm not a big doctor goer.
They just send someone to the house to do height, weight, blood pressure, blood work.
That was it
This. We have ours through AXA Equitable
same we have Axa
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| Posted 10/5/16 2:02 PM |
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MrsB612
LIF Adolescent
Member since 12/12 784 total posts
Name:
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Life insurance
It all depends on how much coverage you get and your age. For example, if you did something like 100k and you're young they would only require a physical. If you're getting something significantly higher like 500k then they will most likely require a physical + medical records.
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| Posted 10/5/16 3:21 PM |
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DML
LIF Adolescent
Member since 5/05 567 total posts
Name:
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Re: Life insurance
Trying calling Zander. They are Dave Ramsey approved. They are a broker, so they will shop the insurance around and get you the best deal. Once you pick a provider, they will send someone to your house to do a physical and blood work. Very easy
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| Posted 10/5/16 3:38 PM |
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MichLiz213
Life is Good!
Member since 7/07 7979 total posts
Name:
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Re: Life insurance
Posted by DiamondGirl
Posted by JDubs
Posted by NervousNell
Not sure on who to use as my BIL owns and agency and we just went through him and he set the whole thing up and found us the best companies to go with.
They didn't check our medical records. DH hasn't been to a doctor in like 20 years! I barely have any medical records myself as I'm not a big doctor goer.
They just send someone to the house to do height, weight, blood pressure, blood work.
That was it
This. We have ours through AXA Equitable
same we have Axa
AXA as well.
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| Posted 10/5/16 5:25 PM |
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Katareen
5,000 Posts!
Member since 4/10 7180 total posts
Name:
Katherine
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Life insurance
We have $1million in coverage and did not have to submit any medical records. But the policies were purchased when we were about 30.
ETA through AXA
Message edited 10/5/2016 7:19:47 PM.
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| Posted 10/5/16 7:19 PM |
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ChristinaM128
LIF Adult
Member since 8/12 4043 total posts
Name:
Christina
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Re: Life insurance
We went through New York life. There was a records request and bloodwork. We also got whole life insurance policies for our daughters at the Same time. Pm me if you'd like our agents info
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| Posted 10/5/16 9:39 PM |
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MrsA1012
love my little girl !
Member since 9/10 5777 total posts
Name:
Me
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Re: Life insurance
Posted by Katareen
We have $1million in coverage and did not have to submit any medical records. But the policies were purchased when we were about 30.
ETA through AXA
. I am 32. Did they do a blood draw ?
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| Posted 10/6/16 8:26 AM |
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JandJ1224
Member since 6/06 5911 total posts
Name:
Jannette
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Re: Life insurance
We went through a broker and our policy is through ING. We had a nurse come to do the house, questions, weight blood work etc.
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| Posted 10/6/16 9:41 AM |
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MrsMick
Baby #2 debuts in March 2016!
Member since 9/09 1977 total posts
Name:
Michele
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Re: Life insurance
I work for a giant insurer and can hook you up with an Agent.
Our company has been around for almost 200 years and a mutual company that is the top insurer in the world. LMK if you need info.
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| Posted 10/6/16 9:42 AM |
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VickiC
Rocking the party
Member since 5/05 4937 total posts
Name:
Vicki
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Life insurance
Yes - they will do a blood draw. We are with NY Life and that's what they did. Weight, blood pressure, blood draw to check cholesterol. My rate was higher bc my cholesterol was a bit higher.
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| Posted 10/6/16 10:02 AM |
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MrsA1012
love my little girl !
Member since 9/10 5777 total posts
Name:
Me
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Re: Life insurance
Posted by MrsMick
I work for a giant insurer and can hook you up with an Agent.
Our company has been around for almost 200 years and a mutual company that is the top insurer in the world. LMK if you need info.
. Please pm me :)
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| Posted 10/7/16 10:07 AM |
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muffaboo
LIF Adult
Member since 12/10 3797 total posts
Name:
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Re: Life insurance
I have Prudential. The nurse came, asked questions, took weight (ughh I was like 7 months pregnant at the time lol) and did blood draw. I was 29 y/o. No medical records or physical.
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| Posted 10/7/16 8:59 PM |
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CL2012
LIF Toddler
Member since 1/13 374 total posts
Name:
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Re: Life insurance
Posted by muffaboo
I have Prudential. The nurse came, asked questions, took weight (ughh I was like 7 months pregnant at the time lol) and did blood draw. I was 29 y/o. No medical records or physical.
Sorry to hijack but were you at a disadvantage with premiums being pregnant? You would appear less healthy being heavier but obviously it's a valid reason
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| Posted 10/9/16 10:24 PM |
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Shroggie
Don't Worry...Be Happy
Member since 5/06 6261 total posts
Name:
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Re: Life insurance
We just got policies through William Penn.
$1million - $65/month for a 30year term.
They sent someone to the house to take blood and urine, and get our weight/height. He asked a few questions and was gone in 15 minutes. Very easy. In addition, we had to do a phone interview that took about 45 minutes. They asked medical questions.
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| Posted 10/9/16 10:40 PM |
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