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Thread: Final expense insurance question

  1. #1
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    Default Final expense insurance question

    In terms of final expense insurance... Which company has good rates for someone who is on oxygen?



  2. #2
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    Default Final Expense...

    State Farm offers a cost-effective Final Expense Policy. Underwriting is pretty liberal and you could likely get insurance regardless of your need for oxygen.

    For more info go: www.dennisvolzinsurance.com

  3. #3
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    I've heard that Presidential Life is good for people on oxygen

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    Default Oxygen

    Seemed to work out for Ronald Reagan!

  5. #5
    Senior Member Level 2 Norwayguy's Avatar
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    Quote Originally Posted by dennisvolz View Post
    Seemed to work out for Ronald Reagan!
    The poster was reffering to Presidential Life Insurance company that offers a modefied whole life policy that will be issued to anyone who is not in the hospital.
    Peter G Langelier
    plangelier@langelierinsurance.com www.langelierinsurance.com
    Licensed Resident Agent Maine Life/Health & Variable Contracts

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    I highly recommend my website : http://www.alifetimeinsurance.com
    Give us a call and compare rates.

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    Mutual of Omaha is hard to beat for Guaranteed issue.

  8. #8

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    There are lots of policy companies that offer good rates for people on oxygen. But in order to find one that can really give you the bang for the buck, you need to take your time in studying these policies first and yeah it also helps if you ask around. Good luck in finding the final expense insurance that best suits you!

  9. #9
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    Default

    JD knows what he speaks of.

  10. #10
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    Go with the Guardian. It is a no-brainer. Guardian is a mutual company with significantly higher financial ratings than UC. The fact that UC is willing to compromise on the term sale (give you a certain rating that you may or may not qualify for) should be enough to tell you why their ratings are lower. There is no mortality (chance you will die) change due to the fact that you have DI with them. This type of discounting across personal lines (life, DI, LTCi) as opposed to PC lines (car, home, etc) shows that the company is just trying to collect more in premium at the expense of proper actuarial underwriting. Take the Guardian knowing it is by far the superior choice.

    Delfina

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