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My Mom just recently had a stroke and is totally dependent on me to take care of her. She has no life insurance or no money in case she is to die suddenly. I wanted to know if there are any insurance carriers out there that will cover her for term life insurance. She is only 55 years old.

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It sounds like you need help managing the cost of caring for your mother. In that case, term life won't help. Check out this article on "10 Resources You Can Access for Mom or Dad." You might be eligible for some assistance that you're not currently aware of.

https://www.agingcare.com/articles/10-government-programs-caregivers-can-access-for-their-elderly-parents-120513.htm
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My boyfriend has been diagnosed with ALS (Lou Gehrig's). What does he need to do to protect his assets?
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my mother recently cremaided her husban the insurance policy after everything is 15,000.00. she is now the only one on medicaid with this large amount of money will she be cut off of medicaid?
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My best guess for dlbaker1 is that your mother will have a problem getting any kind of life insurance. If she's already had a stroke, she is a high risk. Insurance companies don't like taking on risks like that. It won't hurt to check around, but be prepared for disappointment. As the Agingcare editor said, above, the sites featured in the article link may help you find other resources for aid. She may qualify for Medicaid, as well. Your Social Services people can help with that.

Judith, your boyfriend should see an estate attorney, for sure. Each state varies in law, and unless there is a sudden miracle cure, your boyfriend will need extensive care in the future. He will need legal advice to do the best he can with his assets -legally. Be careful not to choose just any attorney. You need someone who understands Medicaid laws, so ask questions when you talk with an attorney. What kind of work do they concentrate on? What are their credentials?

And knighto58, again it will depend on your state law. She, too, may find it worth a few hundred dollars to see an estate attorney for advice. An attorney who knows your state law and Medicaid law can guide you and your mother, so you are doing the right thing for your mother and the law.

Carol
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I am 52 years of age and in very bad health and need to know who I can contact

and find out information about getting a life insurance so that my love ones and

family will not be stuck with the burden of me being deceased. I have a lot of

illnesses and do not want anyone to have to stress on this matter. Can you please

help me out? I really do appreciate your help and time.

Sincerely,

Nancy M. Stegehuis
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Hi Nancy,
This is a tough one. You maybe can, but it will be really expensive. A lot depends on what your health issues are. You should contact different companies, including AARP (I'm not endorsing them, they just came to mind), The Hartford and any others you can find. It's kind of like trying to get long-term care insurance when you are my age. Maybe I can, but the cost would be prohibitive.

Best wishes, Nancy. It will take some phone calls, appontments and footwork. I hope you can figure something out.
Carol
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I was wondering if I can purchases life insurance on my mother. She is health but up in age and I am worried about future expenses when the time comes? Is it hard to get life insurance on others and you being befen of the policy and paying for it?
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I am A 45 year old woman and have mild bipolar disorder and getting S.S I and social security payments not much money other then that I'm healthy, where can I get life insurance?
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That's a good question. I have a son with depression and he can't get life insurance. It should be illegal. He's not suicidal, and they could write that out, as it is written out of most policies, anyway.

He can't get health insurance because of preexisting illness - he was five when he got JRA! Believe me, I know you frustration, but I don't know how to help other than check every company you can and pay a huge price if you do find one. It's sad.

Carol
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My mother is diabetic and gets disability for it from the government. Is there a life insurance company that excepts people who are on disablity, because the insurance companies we have spoken with have denied her. Not really sure where to turn. Please help
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Have you checked with other people who are diabetic? They may have an idea. My guess is it's very expensive, just like with other disabilities. Very wrong, but the real world. Please keep us posted and let us know if you find something.

Carol
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Why does Medicare offer Medical services for the disabled yet does not offer life insurance knowing the burden on the disabled persons family to cover the cost of funeral expenses etc. can be over-welming.
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my husband is 44 years old and he had heart surgery 2 years ago because he was born with a heart problem but never new he had a problem until 2 years ago. Due to the surgery and the heart problem he was also diagnosed with Pulmonary Hypertension. We have been trying to obtain life insurance for him but he was denied what can I do?I'm 35 years old and I have 2 small children. I'm scared that I might loose him one day and I won't have any money for his arrangements. Please help.
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I have bipolar mood disorder panic attacks very bad and PTSD as well as take 3 kinds of high Blood pressure, I had a very hard time of finding life inc, but I did find it with Nationwide life inc and the inc, with my car, I was turned down every where, I'm a 46 year old mom. I was able to take out a policy of $25,000 that's better then nothing for $70.00 a month and its a cash value policy.
I would conceder you call them, its a no questions ask policy , they do not cover suicide. I hope that was helpfull.
I dont know what state you are in but you can try in nationwide car and life inc, and get the number I hope this has hekped you,
God Bless you and your family,
Kimberly
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Thanks Kimberly. I'm going to try Nationwide car and life inc. I live in PA State. $25,000 is better than nothing.
Thanks for helping me out if anyone else has any other resources that can help me please contact me.

Thank you so much,
Portical69
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Is there a life insurance for a downs syndrome 32 yr old with heart conditions I can get?
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I have a 43 year old sister who has recently had a stroke which has left her permanently disabled. She is indigent, therefore on Medicaid. She has a history of mental illness, and drug and alcohol abuse. The family would like to purchase a small life insurance policy on her to cover funeral expenses if and when the time comes, and finding it very difficult. Is it even possible to obtain say, a $5,000.00 life insurance policy on someone like my sister?
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i have a thirty six year old son who is a quadriplegic and i can't get insurance for him. he might be in a wheelchair but he's far healthier than most 36 year olds walking around. in sixteen years since his football injury he has not once been sick or hospitalized for any many health problems. talk about discrimination this is it.
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how can i get life insurance for my son who is a quadriplegic. he's 36 years old and healthier than most 36 year olds. has never been hospitalized for any health problems since his football injury sixteen years ago.
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I have a son that was in an automobile accident and had head trauma then he was 17 and he'll be 28. He is normal every were and not on no machines, just lost his motor skills and can.t talk. was wondering were to get life insurance to help pay for he's bariual when he dies.
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life insurance for the mentally disabled adult daughter who is in good physically health. where can life insurance in new york state be purchased.
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I have permanete Brain Damage and a Seizure Disorder history. I receive SSI from fed. gov't and Food stamps from my state. Also I have a Living Will.
Can I get life insurance to pay for Hospice or hospice in home care and for cremation?
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I have permanete Brain Damage and a Seizure Disorder history. I receive SSI from fed. gov't and Food stamps from my state. Also I have a Living Will.
Can I get life insurance to pay for Hospice or hospice in home care and for cremation?
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i am sick and having trouble finding life insurance being on disability
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i have a son that has been semi-comatose since 1979. i am quit sure that his Mother has let the life insurance policy terminate. How can i get burial insurance on our son.
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I am disabled and on SSI/SSD. I have a special needs child that I want to make sure he is taken care of in the event of my death. I am of poor health with mobility issues, but no hospital stays and I am considered morbidly obese. I am 34 years old. I am independent with no caregiver.
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My youngest brother was brain damaged by his pertussis shot (whooping cough shot) when he was a baby. My parents have passed and I am his guardian. Is it possible to get life insurance on him? He is 54 years old.
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The basic idea of life insurance is to provide financially for someone else who is dependent on you. Your brother probably does not have anyone financially dependent on him. So life insurance is probably not what you want. Are you trying to have funds available to cover his burial costs? If that is the case, talk to your local mortuary/cemetery. You can prepay for costs with a funeral plan purchased through them. He won't be turned down. If you are actually looking for life insurance on him for you, perhaps, to be a beneficiary, there are policies out that that are "guaranteed acceptance". Cost more but it is possible. In that case contact an insurance agency.
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hi my name is joseph merola I had a stroke ion 2007 and made a FULL RECOVERY WITH RTHE EXCEPTION OF BALAnce and speech issues im in perfect physical health and hgavew all medical docs to prove it can I ge term life ins...............rthanks joe
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I know of a few companies that are able to write life insurance for people regardless of the disability. For some of these plans there are no health questions to answer on the application and no medical/physical exam required. The companies "protect" themselves by limiting the benefit paid should death occur due to illness in the first 1-3 years (but do pay the full benefit if death is due to an accident).

Generally the policy amount is limited to less than $25,000 and it may have a reduced benefit should death occur due to illness in the first 1-3 years.
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