I need to get life Insurance for my husband (42 yrs. old) who has a mental disability.
We had life insurance for him before, but when he got sick, and had to leave his job, we ran into hard times.
I was the only source of income at the time, and it was only enough for the basic necessities in life. I couldn't keep the payments on his insurance. We waited months to hear something from Social Security Disability, and by that time I had lost his life insurance policy.
Depending on your husband's specific mental disability he may be able to get an offer for life insurance from several insurance companies.
You may need to consider a guaranteed acceptance life insurance plan which will give limited life insurance coverage for the first 2-3 years and full coverage after that but you will end up paying a high premium for this type of life insurance policy.
Other options for your husband's life insurance coverage may be Prudential, United Home Life or Guaranty Trust Life Insurance.
If you need more life insurance coverage, another option might be accidental death coverage that provides up one million of life insurance protection. However, the payout is only for death as a result of a qualifying accident.
Here's how you can learn more and request free accidental death insurance quotes online.
Insurance without any Medical Exam,
Just a Few Health Questions.
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