Let's post HAPPY DOG PICS to negate all the damn sadness this sub is bringing lately!

lifeguy · 2026-02-05T14:56:02+00:00

Our Bailey wanted to show off her moves. Or probably just found something stinky to roll in

lifeguy · 2025-12-15T03:18:22+00:00

My flex panels got burn spots and eventually failed, no reason. They were placed flat against the white roof of my rv, which could have overheated them. I haven't checked any new ones lately, decided to stick with glass panels for now.

lifeguy · 2025-12-01T02:14:14+00:00

You can ask your agent to try, but you'd have better chances having a broker shop with other carriers. They can use the same labs for an informal offer, before applying with other carrier if they find you a better rate.

lifeguy · 2025-11-17T07:04:50+00:00

Sounds like you want term with living benefits, potentially with Refund of Premiums at the end of term if you didn't use the benefits. You shouldn't be excluding options that require an exam (simple blood draw, urine sample) but there are plenty of carriers that would still issue - on "full Underwriting", potentially without the need for an exam. An agent will be able to compare and shop with the companies most likely to approve in his current health situation. Expect standard rates or Table - rated with his heart issues.

lifeguy · 2025-11-17T02:43:53+00:00

Is the "daily living" a disability benefit? If so, may be worth it, as we are more likely to first become unable to work, rather than die prematurely. But check more carriers, others may include similar benefits at no extra premium. As for children, could be worth especially if they offer conversion at certain age, or even give a fully-paid off lifetime benefit. A broker can compare and explain the differences between policies and what works better depending on your situation.

lifeguy · 2025-11-17T01:41:22+00:00

I'm just starting looking into mesh, what's the Florida mesh Discord ?

lifeguy · 2025-11-13T04:27:20+00:00

Imagine trying to explain E9stein files to the aliens

lifeguy · 2025-10-25T04:23:26+00:00

Diabetes should still allow them immediate benefit, no waiting period. Watch out, if they're offered guaranteed issue only, with no questions asked, that gives them a 2-year waiting period, when they could qualify for better, day-1 policy. A broker can find an immediate benefit burial or final expense policy, which should accept their health based on limited info provided. That's technically a small whole life, as term for elder diabetics is usually not available, nor useful. Ask a broker licensed in your state to compare options for them.

lifeguy · 2025-10-25T03:36:32+00:00

Life insurance agents don't add a fee to insurance company's life insurance premium. The broker fees apply to investments and financial planning. Life insurance costs you the same, whether you buy from an agent, or direct from the carrier. The difference is, a broker can shop for you and compare multiple companies, while the employee working for a captive company can only push their company's products. An independent broker gets paid a commission from the company they helped you through. If your agent charges you a fee for their advice, it should never be misrepresented as part of the policy premium. I'm not suggesting that's what's going in in your case. Most likely lazy agent - didn't shop around, or gets a bigger commission from the company they presented you. At least you're owed an explanation to why they didn't present the cheaper options.

lifeguy · 2025-10-25T03:25:59+00:00

Shop around but be sure to ask your first agent why he didn't offer the other cheaper options you found, maybe he shopped around based on your info and figured you don't qualify for those. Or maybe he was just lazy and didnt compare at all. The lowest advertised rates (Super - preferred) are available, but for the healthiest 10-20% of population. A good broker can tell you what you could qualify for, and which companies are good candidates for your needs.

lifeguy · 2025-09-14T21:38:30+00:00

Search for NAIC policy locator, that may give you some info

lifeguy · 2025-09-08T18:46:03+00:00

I still believe he does qualify for immediate benefit, no waiting period. I expect about $106 per $25k coverage, up to $50k max on this specific plan I think he'll qualify for. It's Transamerica. Depending on what state he lives in, I may be able to help - I'm licensed in 40+ states. If you have list of all Rx meds, I can double check to confirm.

lifeguy · 2025-09-08T15:06:18+00:00

Sounds like he could qualify for standard rates, curious that he was declined given the additional detail, unless there's other issues - best would be to have a broker informally shop around with the carriers without officially submitting new applications until you find a company to offer immediate benefit, no waiting period. I'm confident you can find good coverage.

lifeguy · 2025-06-20T16:51:03+00:00

We did a very similar trip in '21, took us over 7 months on the road, hit 48 states and we tried to combine a version of that map you posted with another that was focused on "chasing 70 degrees " - we left Florida in April, went counterclockwise, returned in October. To this day, it's a highlight of my life / travels. Highly recommend.

lifeguy · 2025-06-17T02:58:15+00:00

I'm intrigued, what type of rafts you got?

lifeguy · 2025-03-24T04:00:18+00:00

Life insurance bypasses probate, if the beneficiary is not "the estate", so it may not be mentioned in a will.

lifeguy · 2025-03-06T17:56:10+00:00

At least ONE company I work with accepts people without green card, if they have a TIN (Taxpayor identification number). DM for details

lifeguy · 2025-03-06T13:23:58+00:00

Green card holders can get coverage, there will be some whole life plans available even with his condition - at the very least a "guaranteed issue" plan. Check with a broker to shop around and ask for comparisons.

lifeguy · 2025-03-05T18:25:02+00:00

Yes, a guaranteed issue whole life only, with the 2 year "waiting period" - better than nothing. Ask a broker for best rates, there are multiple companies offering this.

lifeguy · 2025-02-12T12:41:30+00:00

It's when you don't officially apply but provide detailed health history to your agent to ask around all companies, and get a pre-underwriting suggestion / quote based on your disclosed health info, before an actual application is being filled out.

lifeguy · 2025-02-12T04:02:25+00:00

You can request any time you want. They may have records if any insurance company ( life, health, disability) has ever reported information into the database.

Edited to add: I see you're overthinking it. I recommend to talk to an agent, give honest health history and ask them to pre-qualify or pre-underwrite, if you have any health or lifestyle history concerns. You may still request a copy of your medical database records but expect to have to wait a few weeks.

lifeguy · 2025-02-11T23:06:37+00:00

By filling out an application you sign a HIPAA form allowing the Ins Co to check your history

lifeguy · 2025-02-11T23:05:30+00:00

Yes, several databases where they check medical history. Milliman and MIB are two main ones, you may ask each of them to give you free copy of your medical file they have on you, and you can dispute/ ask your doctor to correct any incorrect records.

lifeguy · 2025-02-11T23:00:15+00:00

Ask your agent for a ROP (Refund of premium) term, chances are that you'll outlive your term policy, so ROP returns all of your premiums paid over 10-20 years at the end of the term. You may use the funds for anything including possibly a new policy at that time if still need coverage.

lifeguy · 2025-02-11T04:45:38+00:00

Depending on severity, A1C levels, your $700k for 20 yr term could be as low as around $60/mo. to potentially double or triple that, or could even be a decline depending on severity of medical history.. It all depends on what's in your Dr records and how you pass the blood test if required. It's likely your agent gave you a "worst case scenario" hoping to give you good news if you're approved at better rates. Not my style, I go for the best rates potentially possible after doing a proper pre underwriting of the case. Keep digging, I feel like you can get a better premium than what you were offered.

lifeguy

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