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Amy DaniseAmy Danise originally joined Insure.com in 1998 and is an expert on insurance topics, including auto, home, health and life insurance...more
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Recent Questions
Can I find out if my ex still has life insurance on me?
Assuming your ex-wife is the policy owner, you can’t find out. If she has paid the premiums and is the policy owner, she can still have the policy in force and does not have an obligation to tell you about it – even though it's your life th.....
Will anyone insure a person with terminal cancer?
No, once you have been diagnosed with a terminal illness, you won’t be able to buy an individual life insurance policy. People with AIDS, Alzheimer’s disease and stage 4 cancer – among other illnesses – also will be decli.....
Additional Life Insurance Expert Questions
- How do I locate an insurer or agent?
- Can illness trigger a life insurance policy cancellation?
- Do I need life insurance if I have no heirs?
- What is the cash value of a $40,000 term life insurance policy?
- How long must I wait to get nonsmoker life insurance rates?
- What type of life insurance should newlywed parents buy?
- How do I choose a life insurance company?
- Who will get my life insurance payout?
- Should I buy life insurance to insure my infant son?
- Should I buy a second life insurance policy?
- Which type of life insurance should my husband buy?
- What makes more sense: term life or whole life insurance?
- I'm 76 years old. Is it too late to buy life insurance?
- Can I draw cash from my life insurance policy?
- What happens to my life insurance cash value when I die?
- Should I convert to permanent life insurance?
- What is optional term life insurance?
- How do I locate my father's life insurance policy?
- How much life insurance do I need?
- After breast cancer, can I get life insurance?
- Should I cash in life insurance to pay off debt?
- Can I withdraw cash from term life insurance?
- How can I find a missing life insurance policy?
- What does an insurance company rating of AApi mean?
- I quit smoking last month. Can I get a nonsmoker's rate for life insurance?
- Can a 30-year-old daughter challenge a beneficiary change by her father one week before death from cancer?
- I am 36. Should I buy a 30-year term or whole life insurance policy to pay funeral expenses?
- Is it worth paying extra money on a term life policy for the waiver of premium in case of disability?
- Can an ex-husband get a life insurance policy on his ex-wife?
- I am a diabetic with asthma. Can you recommend life and disability insurance companies?
- How can I find out if my late father had life insurance to pay for burial expenses?
- What is the difference between term life and whole life insurance, and do either of them have a cutoff age to expire?
- I have had a whole life policy for 11 years. If I surrender it or borrow from the cash value, will the death benefit decrease?
- How do I find out if my father or mother had insurance policies that were not cashed in? I would be the beneficiary.
- Can you borrow money against a term life policy?
- What is the value of a term life insurance policy with a $300,000 death benefit? This policy has been in force since 1995. Is there any cash value?
- Would an accidental death policy pay for a cocaine overdose?
- I'm trying to decide if I should buy term life or whole life insurance. What are the pros and cons of each?
- If one insurance company denies or rejects me, does that mean that I cannot buy coverage from any other life insurance company for five years?
- Do I have 10 days to change my mind about a life insurance purchase?
- I quit smoking last year. I applied for life insurance and the company still wants to charge me smoker rates. Why is that?
- My father-in-law just died. He had told the family he had life insurance on the house. But we cannot find any of the paperwork. Is there a way for us to find out?
- My grandfather recently passed away. How can I find out if he named me on his life insurance policy?
- What does a "pi" rating mean from Standard & Poor's?
- Will I pay more for life insurance if I've been diagnosed with depression in the past?
- Do life insurance policies pay if a person dies of old age?
- My ex-husband died recently. I know he listed me as the beneficiary while we were married, but I'm not sure if he ever changed it. How can I find out?
- Our agent is suggesting a whole life insurance policy for both me and my husband. How do I know if that's what we need?
- I recently started racing motorcycles. Will this affect my life insurance?
- I own a whole life policy which has a cash value. When I die, will my beneficiary receive both the death benefit and the savings portion (cash value)?
- My husband and I found out that when he worked for his former employer, he had a life insurance policy with a face value of $10,000. He left his job in 1996 and forgot about the life insurance policy. My question is if he already had a face value of $10,000, is he entitled to any of that? It was a policy that allowed him to borrow against it.
- My son is separated from his wife. Does he have to name her as beneficiary on his life insurance policy because they are not legally divorced? He lives in Texas.
- I have a brother who suffers from oral cancer. We are trying to find affordable life insurance. How can he buy insurance?
- My husband and I are both 51-year-old non-smokers. We've never had life insurance but are interested in buying a policy. What should we get?
- I'm a recovering alcoholic about to celebrate my fifth year of sobriety. I've applied for a few life insurance policies but have been denied. Do I need to tell them this after my fifth anniversary?
- I have a whole life insurance policy. Will my beneficiary receive the cash value amount that my policy accrued as well as the death benefit when I die?
- I heard a commercial on the radio announcing that life insurance policies can be cashed to help with financial hardships. Did I hear it correctly? Please explain.
- I looked up one insurance company on Insure.com. The rating was "Api." What does that mean?
- Can a beneficiary borrow against a policyholder's life insurance policy?
- I have been paying life insurance premiums for both my husband and I since 2001. My husband died recently. He was diagnosed with Hepatocellular carcinoma (cancer of the liver) six months before his death. Can my life insurance company attempt to deny the claim? My husband did not have this upon signing up for life insurance in 2001.
- What is guaranteed cash value in a life insurance policy?
- I'm traveling to Puerto Rico and looking to buy some type of insurance that would cover my death. What do you recommend?
- What exactly is critical illness insurance? Would I get insurance money if I have pneumonia?
- What's the life insurance company looking for when they review the results of my life insurance medical exam?
- My aunt recently died. How can I find out if she had life insurance?
- My girlfriend's mother recently died and she has a life insurance policy that she took out in 1939. How do we cash the policy?
- I bought a whole life insurance policy many years ago, but I can't afford the premiums anymore. Is there a way to use the cash value to keep the policy in force?
- I recently quit smoking. I think most insurance companies won't consider you a nonsmoker until you've quit for 5 years. Can my policy be adjusted to a non-smoking rate after I'm smoke-free for 5 years?
- I am 43 years old and married with no children. I have a mortgage in my name for $120,000, and payments set for 25 years. I am unsure which is the best type of life insurance for my situation. I was thinking $100,000 at most, which would cover the mortgage and expenses if something happened. Should I buy term or whole life at my age?
- My agent says I'm a standard risk. Is that good or bad? What does that mean for my life insurance quotes?
- Is whole life insurance a good buy?
- I am purchasing term life insurance. Is there any reason to buy it from a company located in the state in which I live?
- What do insurance companies do with unclaimed life insurance policies?
- I heard there's a database of life insurance policies. Is that true?
- Should I hold onto my group life policy or buy my own whole life insurance policy?
- I believe my mom has a life insurance policy on me but she is dead. How do I find out?
- Which insurance is better, term life or whole life insurance?
- Can I borrow against my mother's life insurance policy?
- I will be having surgery for prostate cancer next month. When should I apply for life insurance and how?
- Is there a government agency where a decision made by an insurance company can be contested?
- How do I take out an education loan against my life insurance policy?
- Do you receive any money back from a term life insurance policy that has expired its term but has not been used?
- How do I find out if my husband has a life insurance policy on my life?
- How can I find out if I can borrow on my life insurance policy?
- Can you dispute a beneficiary if the beneficiary was not the only child?
- What are my options with my life insurance cash value?
- How can you tell if someone has taken out a secret life insurance policy on you?
- We cannot find my dad's life insurance policy
- What would be the best term life policy for our family?
- My husband suffers from MS. Should we convert or term life policies to perm?
- Can you cash in a life insurance policy that is paid up?
- Could I take out a life insurance policy on my ex-wife?
- Can a person buy multiple life insurance policies with a single insurer?
- Can I change the amount of coverage on my term life insurance policy during the duration of the term?
- Do I qualify for non-smoker life insurance rates if I smoke one cigarette a day?
- What company will insure a child for life insurance who has a disability?
- Does a 20-year term life insurance policy mature?
- If my parents have a life insurance policy on me can I find it?
