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Are there any companies that will give you a home owner's insurance if you have any medical problems? |
My sister and her husband have tried to get home owner's insurance but were turned down. She said they were denied because her husband is a diabetic and she is considered obese because of her weight She may be overweight BUT not obese. They need the insurance in case of one of the other's demise in the future that the home will be paid for. They are purchasing a triple-wide mobile home in North Carolina. Can you please give me the name(s) of insurance companies that will be able to give them home owner insurance in North Carolina. Thank you all for your assistance in the aforementioned matter. Ro (Henderson, NC) First of all, they are not looking for Homeowners Insurance. That is insurance on the house to protect them against fire or other damage to the house. What they are looking for is mortgage life insurance which will pay off if one of them dies. Since they have health problems, the best bet would be to go through the company where they have the mortgage. It will probably be impossible to find a company that will insure them outside of the mortgage company itself. Try that and good luck. Source(s): 30 years insurance. Look by law these insurance companies can turn an applicant down because of medical problems. I know that sounds cold, but really if you think about it they do not want to take a big chance at paying out an amount of money they could have avoided. Look what needs to be done here is the husband really needs to get his diabetes under control and the wife needs to lose a lot of weight that will get her down to being acceptable under insurance standards. Insurance in this case is going to be extremely hard, if they do find one the premiums are going to be really high. Insurance companies are extremely smart, they are not going to issue insurance to a high risk individual because of exisiting health conditions. Both of these individuals need to get the exisiting medical conditions under control, then go to a licensed family doctor and have them to verify the diabetes is under control and the overweight problem is no longer an issue. I know this sounds cold, but this is how it works. Think about this, if you were an insurance company and you had an applicant that had aids, would you issue a policy? I think you know the answer, and it is no. The same is here, it looks like if these two people do not get their health under control then one of them likely will pass. The insurance company knows this, and they are not going to issue a policy when they knew these conditions existed. Bad business practice. You could also try this site for help. There is a lot of good insurance information here. http://insurance.divinfo.com/ Good luck to you! The following site has a great free insurance quote feature. You can see side by side comparisons from the best insurance companies. http://www.step-by-step123.com/insurance... yes but more expensive |
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