If you have a question about the validity of the offer you can contact the department of insurance in your state and ask if they have received any complaints regarding this insurance company. Also, if you have an attorney you can have them review the offer and verify its validity.
It certainly sounds "too good to be true," to be able to blindly purchase life insurance through the mail, without the underwriter reviewing your case. I would be very skeptical of that sort of policy.
On the other hand, even seriously ill people can find affordable life insurance coverage -- for face amounts significantly larger than the $10,000 you cited. The key is finding a knowledgeable broker with experience in placing tough cases.
Contact the state you reside in Insurance regulatory agency
Initially, you should contact the insurance regulatory authority of your state to confirm that the insurer is authorized to transact business in the state. If it is, and if you are interested in the offer, it is important that you request a a complete summary of material provisions of the policy before you purchase it. Many states do require insurers to allow a "10 day free look" after the policy has been delivered. The policy itself will be far more detailed than the summary, and containes all of the terms of coverage, including conditions, exceptions and exclusions.
Insurance is complex, and there is a great deal to recomment purchasing it through an agent rather than by mail or over the internet. There are some internet sites, however, that assist you in finding the most economical (inexpensive) premiums. However, cheaper is not always better. It is critical that the insurer have a solid track record of abiding by its obligations in honoring covered claims on a timely basis. When you contact the insurance regulator you can, and should, ask about the complaint ratio of the insurer and whether there have been regulatory actions taken against it. State Insurance Departments have oddices within the Department that handle consumer complaints/inquiries, so you should also ask to be connected to that area of the Department.
There are many companies which offer home loan insurance. These include the ICICI Bank, HDFC Life and SBI Life. Another company to offer this insurance is HLIC.
There are many places which offer quotes for term life insurance and whole life insurance. Some places which offer term life quotes are Globe Insurance, Select Quote, and Met Life.
To offer convenience for its valued customers, The Prudential Insurance Company does offer payroll deductions to help make it easier to afford optional term life insurance.
The companies that offer term life insurance are Blue Cross Blue Shields, Pinnacle, Mutual Insurance, Farmers Insurance and the average rates can be anywhere between $100.00 and up.
There are quite a few companies of insurance that offer 20 year term life insurance. Among those are Statefarm insurance, North Western Mutual, and American Chemical Society.
Liberty National life insurance offer not just life insurance, they offer term insurance, whole life insurance. They also offer supplemental health insurance.
Banner Life Insurance offer life insurance services. They offer Term Life Insurance which covers a person for a specific time and Universal Life Insurance which covers one for life.
The companies that offer the cheapest term life insurance in the US are Prudential Life Insurance and American Life Insurance. These companies can offer life insurance for pennies a day.
Allianz is a life insurance company. They offer fixed life insurance, but not term life insurance. They also offer fixed, fixed indexed, and variable annuities.
Contact a good agent, if they do not offer a policy they will know an agent that does.
Yes Globe Life does offer life insurance and accidental insurance. They also offer child insurance and mortgage protection plan insurance. There's even an option for medical supplement income.
Liberty life does in fact offer medical insurance to those that are fifty five years or older. They also offer insurance to cover funeral cost or life insurance.
Prudential offers a variety of life insurance policies. Some of the different life insurance policies that they offer are Term Life Insurance, Universal Life Insurance, Variable Life Insurance&as well as Survivorship Life Insurance. bAlong with these different types of policies they also offer retirement planning, annuities and long term care insurance.
There are many insurance companies that offer Whole of Life policies. At the current time More Than do not offer whole of life insurance policies instead they offer term insurance.
The services AXA life insurance offer is primarily insurance covering TPD, income insurance, life cover insurance and any insurance issues related to personal trauma.
Prudential Life Insurance offers several different type of life insurance, including term life insurance. They offer complete term insurance or supplemental term insurance that can be added on top of any other insurance you may have.
A legitimate death certificate is what is needed to file a claim of life insurance.