NLIC.org

Harry Said:

Would my life insurance cover alcohol poisoning?

We Answered:

lifeinsurance.awardspace.info - try this one. I have their insurance and, as remember, they can provide such a service.

Luis Said:

My life insurance wont cover me for multiple sclerosis as my mother has it but I thought it wasnt hereditary?

We Answered:

You need to take a good look over your plan with a friendly lawyer,if your close to any like one in the family type of thing give them a ring.If not you and your doctor have to take off the gloves and fight.My doctors have had to a few time for me it pays to be pushy when it comes to your insurance.
The real cause of multiple sclerosis has not been determined yet. It is an autoimmune disease affecting the central nervous system, causing the destruction of the supportive structures of the CNS and subsequent deterioration of the function of the brain. There are many speculations about the real causes of the disease but no real connection has been found between factors that may cause it and the disease itself. For now we cannot say that the disease itself is hereditary, but the studies among many families have shown that the prevalence for the disease can be hereditary. The research has also shown that most affected are Caucasian women between 15 and 35 years of age. That doesn’t mean that it cannot affect other races. Also, although black Africans have almost no MS, African Americans have incidence of MS that is very close to Caucasians. It is still thought that causes of multiple sclerosis are in the environment, so people living in the continental, European climate are more likely to get the disease then those living in other areas of the world, no matter what heir origin is. I can't tell you much about your chances for getting multiple sclerosis but the according to the research the possibility might be up to 20 %. If youre experiencing any symptoms of MS or have any other question about it be sure to consult your physician. So basically they dont know if it is or not.

Tom Said:

Is Bajaj Allianz a reliable company to go with for a long term Term Life Insurance cover?

We Answered:

no .that company is known for unprofessional practises . better go for LIC .

Lawrence Said:

Does life insurance cover suicides?

We Answered:

Most insurance companies will not cover a suicide if it is committed within the first 2 years of the policy. If someone were to commit suicide during the first 2 years, then the insurance company would refund the premiums paid to the family.

After the two year period is when a lot of insurance companies split. Some allow benefits to be paid, others won't. It is best to check with your individual company.

Linda Said:

i was wonder in if in the state of washington can the hospital take life insurance money to cover the bills?

We Answered:

A hospital cannot garnish money from life insurance unless the estate of your mother in law is the named beneficiary (highly unlikely) or unless the beneficiary signed over the policy benefits. A hospital can and will send notice of a lien against the estate and the bill will have to be resolved by the Executor and the Probate Court.

Be careful about signing anything for the hospital so that you don't inadvertently sign over that insurance policy. Once the Executor of the Estate has been appointed have him or her go over that hospital bill with a fine tooth comb to check for mistakes and when the bill has been corrected have them still ask for a cash discount (of course at that point you will have to have the money ready to be able to pay the final, after the discount, total) you will probably end up saving about 40% of the bill by using these tactics.

Also fyi life insurance proceeds are never subject to income tax.

I am very sorry for your loss. I hope this information helps. Good Luck!

Tony Said:

Does term life insurance cover me if I die during elective surgery?

We Answered:

Almost all life policies have two exclusions:

1. Suicide in the first two years
2. Misrepresentation (if you die in the first two years and it is found that you made a misrepresentation on the application)

Finally - if you buy the life insurance policy when you know that you are going to have surgery you better disclose it to the insurer. If you died from the elective surgery, and it was planned at the time of application but you did not disclose it, a claim could be denied.

Hope that helps