From: "Cal" 
Newsgroups: misc.invest.financial-plan
Subject: Re: Life insurance exclusions
Date: Sat, 11 Nov 2006 13:27:19 -0600
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	oGPJK+IWeN7VnzDPZH6+ME5FTH3e4iwiPVorWkgzJ0B/F0hiQqaHpA==
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You are welcome

Cal Lester  CLU


"eric"  wrote in message 
news:1163270610.286406.264680@h48g2000cwc.googlegroups.com...
>
> Cal wrote:
>> "eric"  wrote in message
>> news:1163177835.426657.10450@i42g2000cwa.googlegroups.com...
>> > Hi,  I'm shopping for term life insurance for the first time and I'm
>> > wondering what are the common exclusions applied to the cause of death.
>> >   I've found a company which doesn't pay for death from a number of
>> > causes, including AIDS (even if it's not a pre-existing condition),
>> > heart attack, and a few others.
>> > Are such provisions common?
>> > thanks.
>>
>> ABSOLUTELY NOT. I have never sold a Life Insurance policy that had ANY
>> clause that allowed the Insurer to refuse to pay a claim, when the death
>> occurred (other than suicide or suspisious death) beyopnd the Tow Year
>> Contestable Period.
>> The company has the right to refuse or rate up a contract at the time of
>> issue. Then they have an additional two years within which to CONTEST any
>> claim. AFTER that period has passed, they have no right to refuse.
>> Kalman J. Lester  CLU
>
> Thanks. I'll stay clear of this company then.
>