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Author Topic: ? about life insurance  (Read 2980 times)

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Offline jntmax39

  • Member
  • Posts: 81
? about life insurance
« on: March 15, 2007, 08:48:21 PM »
I was told by a Insurance agent that I could only get a $10,000.00 policy,has anyone been able to get more on a life Ins.policy?

Offline Oceanbeach

  • Member
  • Posts: 3,565
Re: ? about life insurance
« Reply #1 on: March 15, 2007, 09:06:13 PM »
I have a decent term life policy but term life cancels at a certain age and some may be renewed but not all.  My bank in L.A. had some people at the Social Security Office on the day I was going in for my first disability payment meeting.  I have a low premium but the policy expires on my 70th BD.  Sometimes I wonder why I have it because there is no cash value so it can not be borrowed against and I have on one to leave it to but I will be able to afford a showy funeral.  Have the best day
Michael

Offline jntmax39

  • Member
  • Posts: 81
Re: ? about life insurance
« Reply #2 on: March 15, 2007, 09:15:54 PM »
I guess what I'm asking is can you be refused a big life ins.policy because you are hiv+

Offline milker

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Re: ? about life insurance
« Reply #3 on: March 15, 2007, 09:26:29 PM »
Oh that's interesting.. I was never asked about any medical problem when I signed up for life insurance via work. I will read the fine print this week-end  :-\
mid-dec: stupid ass
mid-jan: seroconversion
mid-feb: poz
mar 07: cd4 432 (35%) vl 54000
may 07: cd4 399 (28%) vl 27760
jul 07: cd4 403 (26%) vl 99241
oct 07: cd4 353 (24%) vl 29993
jan 08: cd4 332 (26%) vl 33308
mar 08: cd4 392 (23%) vl 75548
jun 08: cd4 325 (27%) vl 45880
oct 08: cd4 197 (20%) vl 154000 <== aids diagnosis
nov 2 08 start Atripla
nov 30 08: cd4 478 (23%) vl 1880 !!!!!!!!!!!!!!!!!!!!!!!!!!
feb 19 09: cd4 398 (24%) vl 430 getting there!
apr 23 09: cd4 604 (29%) vl 50 woohoo :D :D
jul 30 09: cd4 512 (29%) vl undetectable :D :D
may 27 10: cd4 655 (32%) vl undetectable :D :D

Now accepting applications from blowjob ninjas™

Offline RapidRod

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  • Posts: 15,278
Re: ? about life insurance
« Reply #4 on: March 15, 2007, 09:37:03 PM »
jntmax39, I checked into it two years ago and the premiums were so high I couldn't afford it.

Offline jntmax39

  • Member
  • Posts: 81
Re: ? about life insurance
« Reply #5 on: March 15, 2007, 09:43:11 PM »
That's what I thought.That suckssssssssssssssssssssssssss.
Thanks guys. I'm on disability so,shit they only give family members $250.00 towards funeral costs.

Offline Oceanbeach

  • Member
  • Posts: 3,565
Re: ? about life insurance
« Reply #6 on: March 15, 2007, 09:46:25 PM »
I asked my Case Manager once, he investigated and found that life insurance could not be denied to a person living with HIV because of HIV but the premiums could be increased.  At the time (1996) that premium increase was 10% in California.  Regulation re: insurance do vary from state to state.   Have the best day
Michael

You can check the question for HIV/AIDS in the past two years as NO.  If the insurance provider wants to test, they will telephone you for permission to send someone to your home or work... At that time you can say, "I'm sorry but I have chosen another policy."  They may also chose to grant the policy at the reat quoted for a person of your sex and age.  From there you accept the policy and begin making premium payments.  For two years that policy can be revoked and your premium payments are returned to you in full.  After those two years the only one who can cancel your policy is you.  Do not apply for a policy of $100,000.00 or more.  Also, every policy you apply for will be entered on your MIB report. 
« Last Edit: March 15, 2007, 09:58:06 PM by Sonomabeach »

Offline milker

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Re: ? about life insurance
« Reply #7 on: March 15, 2007, 09:51:24 PM »
That's what I thought.That suckssssssssssssssssssssssssss.
Thanks guys. I'm on disability so,shit they only give family members $250.00 towards funeral costs.


This sounds more like an insult than help to me. I'm upset with what you just disclosed, this is a disgrace.
mid-dec: stupid ass
mid-jan: seroconversion
mid-feb: poz
mar 07: cd4 432 (35%) vl 54000
may 07: cd4 399 (28%) vl 27760
jul 07: cd4 403 (26%) vl 99241
oct 07: cd4 353 (24%) vl 29993
jan 08: cd4 332 (26%) vl 33308
mar 08: cd4 392 (23%) vl 75548
jun 08: cd4 325 (27%) vl 45880
oct 08: cd4 197 (20%) vl 154000 <== aids diagnosis
nov 2 08 start Atripla
nov 30 08: cd4 478 (23%) vl 1880 !!!!!!!!!!!!!!!!!!!!!!!!!!
feb 19 09: cd4 398 (24%) vl 430 getting there!
apr 23 09: cd4 604 (29%) vl 50 woohoo :D :D
jul 30 09: cd4 512 (29%) vl undetectable :D :D
may 27 10: cd4 655 (32%) vl undetectable :D :D

Now accepting applications from blowjob ninjas™

Offline jntmax39

  • Member
  • Posts: 81
Re: ? about life insurance
« Reply #8 on: March 15, 2007, 09:52:17 PM »
 I have on one to leave it to but I will be able to afford a showy funeral.  Have the best day
hey mike you can leave it all to meeeeeeeeeeeeeeeeeeeeee :ojust kidden,Thank you

Offline jntmax39

  • Member
  • Posts: 81
Re: ? about life insurance
« Reply #9 on: March 15, 2007, 09:54:04 PM »
This sounds more like an insult than help to me. I'm upset with what you just disclosed, this is a disgrace.
Tell me about it.I wanted to tell them to stck it up there ass.

Offline Oceanbeach

  • Member
  • Posts: 3,565
Re: ? about life insurance
« Reply #10 on: March 15, 2007, 10:15:20 PM »
I guess I could leave it to you... I just love a man who has green eyes  ;D.  Have the best day
Michael

Offline northernguy

  • Member
  • Posts: 1,347
Re: ? about life insurance
« Reply #11 on: March 15, 2007, 10:43:38 PM »
Interesting, up here the Canada Pension Plan (which all working Canadians are enrolled in) gives a funeral benefit to the family memebers of the deceased up to $2,500.  Doesn't get a "showy" funeral, but I always thought money spent on a funeral was money wasted.  Especially buying a fancy coffin that's gonna be cremated!
Apr 28/06 cd4 600 vl 10,600 cd% 25
Nov 8/09 cd4 510 vl 49,5000 cd% 16
Jan 16/10 cd4 660 vl 54,309 cd% 16
Feb 17/10 Started Atripla
Mar 7/10 cd4 710 vl 1,076 cd% 21
Apr 18/10 cd4 920 vl 268 cd% 28
Jun 19/10 cd4 450 vl 60 cd% 25
Aug 15/10 cd4 680 vl 205 cd% 27
Apr 3/11 cd4 780 vl <40 cd% 30
Jul 17/11 cd4 960 vl <40 cd%33
April 15/12 cd4 1,010 vl <40 cd% 39
April 20/12 Switched to Viramune + Truvada
Aug 2/12 cd4 1040, vl <40, cd% 38
Oct 19 cd4 1,110 vl <40 cd% 41

Offline Kellyk

  • Member
  • Posts: 49
Re: ? about life insurance
« Reply #12 on: March 15, 2007, 11:02:20 PM »
I received a policy worth 1X salary when I started my new job (no questions asked).  If I had not chosen to enroll when initially eligible - the provider would require a complete physical and receive a rejection letter shortly thereafter.

Offline Longislander

  • Member
  • Posts: 2,486
Re: ? about life insurance
« Reply #13 on: March 15, 2007, 11:13:08 PM »
I've got a 3x annual salary while working, which diminishes to just about nothing after retirement (12 years from now!!)

my credit union just mailed me something. I have that automatic $1000 coverage but can up it with additional coverage. It's an Accidental Death and Dismemberment policy, $100,000 would be $10/mo. I read all over it to see about a medical exam, and there's nothing. It does however say that credit unionmembers...cannot be turned down.

??? Deadline for enrollment is April 5th
infected 10/05 diagnosed 12-05
2/06   379/57000                    6/07 372/30500 25%   4/09 640/U/32% 
5/06   ?? /37000                     8/07 491/55000/24%    9/09 913/U/39%
8/06   349/9500 25%              11/07 515/68000/24     2/10 845/U/38%
9/06   507/16,000 30% !          2/08  516/116k/22%    7/10 906/80/39%
12/06 398/29000 26%             Start Atripla 3/08
3/07   402/80,000 29%            4/08  485/undet!/27
4/07   507/35,000 25%            7/08 625/UD/34%
                                                 11/08 684/U/36%

Offline jntmax39

  • Member
  • Posts: 81
Re: ? about life insurance
« Reply #14 on: March 16, 2007, 04:42:37 PM »
I guess I could leave it to you... I just love a man who has green eyes  ;D.  Have the best day
Michael
Thanks Michael,but I am a woMan,but don't let that discourage you..lol...

Offline megasept

  • Member
  • Posts: 478
  • Steven here...
life insurance...A right?
« Reply #15 on: March 16, 2007, 05:05:43 PM »
This sounds more like an insult than help to me. I'm upset with what you just disclosed, this is a disgrace.

Not sure we are talking about LIFE INSURANCE or just crappy burial insurance (saving the money and leaving it to an heir is always cheaper, and can be paid gradually just like a small premium).  SO THIS IS JUST ON THE LIFE INSURANCE DISCUSSION (Debate?)...

The information you received seems 100% correct, and sorry it disappoints.

I have to disagree, on the "disgrace" part. If it reasonable to charge men more than women, and smokers more that nonsmokers, then not selling life insurance at average premium rates to people with hiv (outside of group coverage) is reasonable. Should a 79 year old be able to purchase life insurance as a last minute massive windfall to his estate? That would make burial insurance look like snack food by comparison. Greed comes to mind.

Everyone is morally entitled to quality medical care, which most or at least many receive through private health insurance (unlike Medicaid). But why life insurance? A group plan is open, provided you are still able to hold a job.

I don't think:
short life span------->>low cumulative premium payments=large payout is exactly fair to the insurers, especially when you realize chronically ill people may "viaticize" (sell) their insurance while still alive.

The "averaging" of costs and premiums protects the group plan from the added costs from people who are ill. If we had universal healthcare provided or administered by our government, it would also cost out this way. If we can leave our heirs a windfall through a group plan great! I've had such policies (currently none). I just don't think we have the right to "demand" access as individuals to such a potential windfall (for our estate), knowing full well the cost/benefit analysis shows something of a "steal" instead of a fair balance.

 8)  -megasept
« Last Edit: March 16, 2007, 05:30:05 PM by megasept »

Offline megasept

  • Member
  • Posts: 478
  • Steven here...
Re: ? about life insurance
« Reply #16 on: March 16, 2007, 05:20:15 PM »
my credit union just mailed me something. I have that automatic $1000 coverage but can up it with additional coverage. It's an Accidental Death and Dismemberment policy, $100,000 would be $10/mo. I read all over it to see about a medical exam, and there's nothing. It does however say that credit unionmembers...cannot be turned down.

??? Deadline for enrollment is April 5th

These policies are all near garbage. $120 (12% a year) a year---not for $1000 in life insurance---but accidental death or dismemberment.
Dying of cancer entitles you to z e r o.

Now if it was life insurance, I'd say it's just a little pricey.

 8)  -megasept

Offline pozniceguy

  • Member
  • Posts: 1,175
  • Niceguy Dallas
Re: ? about life insurance
« Reply #17 on: March 16, 2007, 06:01:16 PM »
Shortly after I was diagnosed I inquired about additional insurance..already had/still have a "life insurance policy"   the only thing worth considering for  the money was a guaranteed funeral ( actually a cremation) you pick what ever type of services you want and you can buy a "funeral " service for a fixed amount( as little as $900.00)  or for payments ( you choose how many)......If you choose a purchase instead of payments they don't care about your medical history  since the sooner you die the better it is for them ( cost keep rising as you live longer)   This type of preplan is an actual commitment to services not just a specific amount..IE: you get the funeral you chose not just xxx $s toward a funeral no matter when/how you die.  This of course is a great relief for whomever is left to take care of such things when you are gone....virtually no decisions to make except a phone call.....
If you are looking for an "inheritance"   I found none that were worth the premium..and most companies refuse you on some grounds or just make premium so high that you do better saving your money in a savings account.

I guess you have to consider why you are buying"insurance"....I found the preplan funeral to be best for my circumstances
remember the good times...honor the past but don't live there
Le stelle la notte sono grandie luminose, nel cuore profondo del Texas

Offline Oceanbeach

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Re: ? about life insurance
« Reply #18 on: March 16, 2007, 09:32:23 PM »
I love a woMan with Green Eyes too!  Have the best day
Michael

Offline Robert

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Re: ? about life insurance
« Reply #19 on: March 16, 2007, 09:34:22 PM »
my eyes are green, michael....

robert
..........

Offline Oceanbeach

  • Member
  • Posts: 3,565
Re: ? about life insurance
« Reply #20 on: March 16, 2007, 09:39:35 PM »
Sorry Robert,

I'm into equal opportunity and right now, I am in love with a woMan with Green eyes.   ;D  Have the best day
Michael

Offline jntmax39

  • Member
  • Posts: 81
Re: ? about life insurance
« Reply #21 on: March 17, 2007, 11:04:02 AM »
You guys are to funny
I don't know if anybody realizes this but When you end up on disability,you loose a lot.I lost my life ins.and medical.I did decide to get cremated because it is so much cheaper.Thank you all for your respnse.

 


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