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Life Insurance in USA

Life Insurance in USA

Old Jun 21st 2010, 9:36 pm
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Default Life Insurance in USA

Hey guys

Has anybody been asked to pay an additional premium for being a Green Card holder rather than a USC when buying term life insurance in the USA.

Thanks
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Old Jun 21st 2010, 9:42 pm
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Default Re: Life Insurance in USA

Originally Posted by digbydog View Post
Hey guys

Has anybody been asked to pay an additional premium for being a Green Card holder rather than a USC when buying term life insurance in the USA.

Thanks
My PR husband was not asked to pay additional premium, but a lot of places wouldn't cover him because he's from Iran, and he planned to travel back there to visit family and for work purposes. They considered it a "war zone" and wouldn't cover him if he traveled there.

We still haven't gotten life insurance for him, although he became a USC last year. I don't know if that will make a difference for him or not, he still plans to travel to Iran at some point, so I have to call around again and see they will insure him if he travels there now that he's a USC.

Rene
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Old Jun 21st 2010, 10:20 pm
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Default Re: Life Insurance in USA

No, no extra premium for us either. Weird.
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Old Jun 21st 2010, 11:49 pm
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Default Re: Life Insurance in USA

They are also asking where I travel and for how long each time. Apparently Europe and Hong Kong are OK though.

It is very strange about the additional premium for being GC holder v USC.....
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Old Jun 22nd 2010, 6:24 pm
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Default Re: Life Insurance in USA

Originally Posted by digbydog View Post
It is very strange about the additional premium for being GC holder v USC.....
Is it only this one company telling you that? Or did you get a few different quotes from different companies, all with a higher premium for GC holder vs USC?

Shop around.

Rene
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Old Jun 22nd 2010, 7:34 pm
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Default Re: Life Insurance in USA

According to my broker this is the case with 4-5 different companies he represents.

I think it is time to check out another broker as it really doesn't any make sense.
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Old Jun 23rd 2010, 4:27 am
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Default Re: Life Insurance in USA

Originally Posted by digbydog View Post
According to my broker this is the case with 4-5 different companies he represents.

I think it is time to check out another broker as it really doesn't any make sense.
Find a new broker, get second opinion, etc.
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