Tags: Agents and Marketers, application form, business, company representative, doctors, Financial Services, hassle, human psychology, Insurance, insurance benefits, insurance broker, insurance company, insurance coverage, insurance money, Insurance policy, keystrokes, life insurance, life insurance policy, life insurance policy i.e., medical record, medicine, new ways, No-physical insurance policy, physical examination, search engine, self declaration, social issues
Market for life insurance has become so competitive that the companies are looking at new ways to attract more customers. One of the ways is to simplify the procedure and removing some of the pre-requisite. As a result some companies are now offering policies without the need for the customer to undergo a physical exam
Reasons For Not Undergoing A Physical Exam
The reasons for not undergoing a physical exam are multiple and in fact as varied as the human psychology is. Some people simply do not want to go through the hassle of undergoing a physical. Others may not like doctors for some reason or simply do not believe in allopathic medicine at all or may be simply afraid of having a physical. Yet others may be afraid of finding something terribly wrong with themselves or may want to hide something which is embarrassing, or may actually have a condition which will raise their premium. Whatever the reason may be there are many people who will look for an insurance company who would not require a physical examination before issuing a life insurance policy.
How To Find A No-Physical Insurance Policy
With the growing cyber word now finding about anything is just a few keystrokes and a click away. The insurance policy is no exception. You can simply write in your search engine “life insurance without physical” and you will literally get thousands of results, you can narrow your down according to your requirement. You can also ask your insurance broker for the companies who offer a No-Physical life insurance policy.
Procedure
The procedure is much like the same as for any other life insurance policy i.e. after deciding on a suitable policy you will fill in an application form, company will also ask you to fill in a self declaration medical form filling in the details of your medical history. Read the full story
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People have tried to kill their near and dear ones in order to claim their life insurance. So much so that now one has to think twice before making someone a beneficiary. Here are examples of some failed murder attempts to collect insurance.
1. Wife Poisons Husband.
A young woman, Kate Knight tried to collect £50,000 ($80,000) from her husband’s life insurance by poisoning him with antifreeze and ecstasy, but she failed. Though the gentleman survived, but unfortunately he was left deaf, blind and brain damaged. She was caught and imprisoned for 30 year and of course, did not get the insurance money.
2. Wife Attempts To Kill Her Husband Twice
Kimberly Boone from Central Florida tried to kill her husband in March 2009 by shooting at him to collect $200,000 from his insurance policies.
First she claimed that an intruder had done that, then she said that she had actually done it assuming the husband was an intruder. She had previously attempted to kill him by overdosing him with Xanax and then trying to burn him with the house.
She was found not guilty on shooting charges, but is awaiting a trial for the other charge.
3. Cheating Husband Tries To Run Over His Wife With A Land Rover
In 2009 Michael Hollins, was accused of attempted murder of his wife in order to collect £500,000 ($800,000) from her life insurance. He actually was having an affair and wanted to kill his wife to bring his affair in open.
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Tags: disability benefit, disability benefit worksheet, disability chart, disability insurance, insurance agent, insurance claim, insurance money, insurance premium, Investing in Life Insurance, investment
Social security is a very good tool to cope with uncertainties of life, but when it comes to disability, Social security fails to help you. In this case your social security might not be enough to cover you expenses. So the question is what to do then? Answer is disability insurance. Once decided, now it is time to determine how much of a disability benefit you would like to receive.
Consideration Factors
It is very confusing thing when it comes to calculate the amount of money we need for disability insurance. A simple way of dealing with this confusion is use of disability benefit worksheet. It will be a two column worksheet.
One column is the estimated amount of expenses likely to incur during your disability and the other column consist of you income during disability. Next thing is to subtract first column from second column. Resulting amount is the amount that you would like to get from you insurance company, in case of your disability.
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