NLIC.org

Mabel Said:

Are there any life insurance companies that will cover someone who's had a recent DUI?

We Answered:

From an insurance aspect your husband would be a high risk. Doesn't matter how little he was over, he was still over. There are companies that will approve him, but it depends how often he drinks. IF he drinks on a regular basis that increases the chances of him re-offending and possibly hurting himself or others.

You're best bet is to contact a lisensed insurance broker. They will have access to multiple companies and can find one that doesn't focus as much on a DUI. There's a good chance that the agent you originally spoke to either wanted to make sure you came back to him for the business after 2 years or was just plainly uninformed as is the case with all captive agents (I was one of them before....you get trained on your products and their strengths and how to sell them. They don't teach you about the benefits of the competition).

Ricardo Said:

Life Insurance for serving British Forces?

We Answered:

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

Tim Said:

do health insurance companies cover life coaching, seeing how it is similar to seeing a therapist?

We Answered:

Life coaching is not covered by insurance. Insurance will only cover counseling unless you are diagnosed with a mental disorder listed in the DSM IV from a licensed therapist. Adjustment disorder is most commonly used to cover problems in living. If you pursue counseling you are free to ask you therapist what you are being diagnosed with.
I am a therapist that has chosen to do life coaching rather than traditional therapy. Life coaching is action oriented, future focused counseling.
If you find a therapist who specialized in Brief Therapy or Solution Focused Therapy you could get it covered by insurance and it would feel a lot like coaching.
Hope that helps.
My coaching page is:
www.stephaniehardwick.com

Tony Said:

How do Life Insurance companies make any money?

We Answered:

It may cost $2/week for a 25-year-old for about a $20k policy.

You can pay more for a larger policy.

Insurance companies invest their money just like anyone else. They invest it in stocks/bonds.