Ask the Life Insurance Expert
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
Will a life insurance company pay the benefit if a policyholder has been paying nonsmokers premium and is a smoker and dies of lung cancer after the two year probation period?
If the insured hid his smoking at the time of the application, then yes, it’s possible that the life insurer could deny the claim because there was misrepresentation (meaning fraud) on the application.....
If a parent has you on a life insurance policy can you be removed?
I assume you mean your parent owns a policy on your life and the parent is the beneficiary? No, you can’t force them to remove you.....
Additional Life Insurance Expert Questions
- Upon a person’s death, how long until policies are paid?
- How should I distribute my life insurance benefit?
- If my son and his wife were to both pass away, who would their life insurance policies go to?
- Can the life insurance company deny coverage if marijuana is found in urine specimen?
- Can I keep the remaining life insurance money without dividing it among my siblings?
- My sister took a life insurance on our mother without telling me. Our stepfather is still alive and the mother has just passed away. Who is the beneficiary?
- Do I have to inform my insurance about a cancer diagnosis?
- How can I find the name of my previous life insurance company?
- What happens to the premiums we paid on the rider policy for the past 10 years? Am I due any refund?
- Is it ok to have 3 life insurance policies, 3 different beneficiaries?
- My husband put his son as beneficiary. Do I still get the insurance money?
- My mother has paid more than $12,000 for a $10,000 term life policy.
- How do I find out if my husband has life insurance?
- What happens with a term life insurance policy if the person is still living when it has reached the number of years?
- My dad passed away. We can’t find his policy but some years ago he told me his funeral is paid for.
- Why does my dad want me to write the check for life insurance instead of him?
- My mom and dad are divorced. Is there any way for me to get a life insurance policy on either of them, and if so, would they HAVE to know?
- Who rates the financial strength of life insurance companies and do these ratings include annuities these companies write?
- If I pay my premiums up two years and I die, will my policy pay out?
- My boyfriend is still married and I am trying to tell him his wife would get any life insurance policy payouts even if I took one out on him.
- My husband removed me from his employer life insurance without my consent and added his adult children. I don’t understand his behavior.
- If my job changes insurance carriers, can I still get the cash value of the life insurance policy?
- Is there a good reason to take out some cash surrender value dollars from a whole life policy that is paid up or should one leave it to build more death benefits?
- Who would benefit if the person who was the beneficiary has died and there was no will?
- Can I get the cash value out if I'm the owner of the life insurance policy?
- My partner died and left an insurance policy for me. As we are not married do I have to let his sisters know?
- I am 26 years old my mom just passed and I am on SSI and SSD my dad said my mom had a life insurance policy but it all goes to him. They are divorced.
- My ex-father-in-law passed away and has me and my ex-husband as beneficiary. Does that mean I get half or no benefits?
- My ex-husband is disabled ans says the insurance company is paying the premium for his life insurance.
- Would life insurance get paid to spouse if deceased died of an accidental illegal drug overdose?
- What is "common" practice when designating life insurance beneficiaries when you have adult children from a previous marriage?
- My mom and dad were divorced and she just passed. How does he claim the policy?
- What percentage of life insurance does a wife get according to law?
- I found out my wife has a life insurance policy on me that I knew nothing about. How do I find out who it’s through?
- I'm not sure what money my longtime boyfriend in living on since he told me he was the beneficiary of his father's life insurance policy.
- How do I get change of beneficiary form?
- How to find out if my husband has a life insurance policy from his previous marriages?
- Is it possible for me to take out a life insurance policy on my husband because he won't do it?
- My dad recently passed away and we are being asked to fill out survivor beneficiary claim on whole life insurance policy that is around 40 yrs old.
- What kind of a man has a girlfriend but still has his ex as a beneficiary on his life insurance?
- How do we know someone won't contest a life insurance policy?
- The life insurance company has sent my sister a letter telling her to settle with my father's girlfriend.
- My late husband designated a friend as a life insurance beneficiary. Can I contest it?
- Would an AD&D claim be denied if the insured died of an accidental overdose of illegal drugs?
- What is "simplified issue" life insurance?
- Does a 23-year-old single man just starting a career need life insurance?
- Can an ex-spouse collect life insurance money?
- What does it mean when a life insurance company has an 'Api' financial rating?
- Can a beneficiary take out a loan on a life insurance policy without the policy owner's consent?
- Can I get life insurance after having cancer?
- Can I choose a beneficiary other than my wife on my life insurance policy?
- Can I find out if my ex still has life insurance on me?
- Will anyone insure a person with terminal cancer?
- 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?
