Quote:
Originally Posted by Arizona_928
2 years is the standard, eh
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Two years is standard contestability in every state. After that, companies will even cover suicide. But there's no questions asked after two yrs. Submit claim, get check a few days later. It's that simple. The only thing that can change is if you lied about your b-day, and they will still pay then, but based on what your premium would have gotten you based on the correct b-day. The benefit of what I do is generally immediate coverage with no waiting period. Lots of companies out there have a two year wait, no one ever reads their paperwork and so healthy people sign up for those policies, not knowing any better. Those healthy people balance out the risk the companies carry with the unhealthy people. I can't tell you how often I get into a home, dig into their paperwork and see they're still not covered due to the two yr wait, but easily qualify for something better and cheaper.