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Are life insurance policies with medical exam more dependable?

I am in process of purchasing ten year life insurance. Are life insurance policies not requiring physicals as dependable as those requiring physicals?One company is presenting a $50,000 Universal Life ten year policy. Another; AAA Life Insurance Co. will sell $50,000 term Insurance and doesn't require physical. Premiums monthly are higher than AAA Company. Which company is more dependabl...
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Who is a life insurance policy's beneficiary in a contract where no beneficiary is named?

My husband recently died and I found out that no one was listed as his beneficiary on his life insurance. Who will get the proceeds from this policy? I am the second wife and his two children are grown and on their own.

Should I buy term insurance or permanent life insurance?

I am a 42 year-old self-employed husband and father to an 18 month old son. I have a $150K Variable Annuity Policy through State Farm and would like to supplement it with another $500K policy. I would like to know that my wife and son are taken care of upon my passing. I would like your advice as to what type of life insurance plan that I should purchase or whether I should just purchase a t...
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Is There an Age Limit For Credit Life Insurance on a Car Loan?

Is there a limit on the age that you cannot get credit life insurance on a car loan?

Does an insurance death benefit go through probate? How about a 401(k) distribution?

My husband (age 58) and I (age 57) have no assets except a term life insurance policy in his name (the beneficiaries are his two college-age daughters) and his 401K. Our debts are in each of our own names and we have no will. If he dies before I do, do his debts automatically get paid out of the life insurance policy, or does that still go to the girls? Do his debts get paid out of the 401K?...
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I have mortgage life insurance and mortgage disability insurance through my mortgage holder. Is it better to have independent coverage?

I have life and disability on my mortgage and line of credit. The payments are about $290.00 monthly. My insurance agent has suggested that I buy an insurance policy instead of paying this money out to a bank. He says that I could get a life policy and have this definite amount compared to the bank who would only pay what is owing. My husband and I have life insurance already and have disabi...
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Does PMI protect the homeowner or the bank?

We refinanced our home with NO CASH out for a fixed rate loan in November 2007. We did it with Washington Mutual, but were talked into doing it via fax and internet where we had to sign our power of attorney, etc. Rate sounded great, we had originally purchased the property for only $65K. No one told us (and we found out, it was in very small print, but not the explanation) about PMI, it was...
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If we surrender our home to the bank, do we still need to keep up our homeowner's insurance?

My husband and I have filed bankruptcy and have sent a letter of intention to the mortgage company indicating we have surrendered our home. We have not lived in the home for 2 months and have not heard from the mortgage company. How long do I need to keep the homeowners insurance on the home?

I bought a Warrant-EASE extended warranty and the company has ceased operations. Can I get a partial refund from the dealer?

In July 208 I bought a 2007 Mitsubishi Gallant, and also purchased the additional warranty package for $1,599. Recently I discovered that the warranty business Warrant-EASE went out of business. I discovered this simply because I work at the bank that financed my car and not through the car dealer themselves. Am I entitled to a partial refund from the car dealer that I purchased the car from...
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Is there any place where I can get assistance for the cost of cancer treatment?

I recently had 8 weeks of radiation for prostate cancer and my insurance, Secure Horizons, pays 80% of the cost. That will leave aprx. $6,000 for me to pay in addition to other costs for biopsy, ct scan and bone scan. Is there any place where I can get assistance for these costs other than a loan.