Do Police Officers Get Put in Lower Health Classes Due to the Riskier Nature of Thier Jobs?

[InsuranceMonkey]

Yup. The donuts will hurt him more than the badge. ;-)

You hit up Dunkin Donuts once a day every day it doesn't take long to get disqualified from Super Preferred by build and cholesterol!

 

[Tahoe Ray]

You hit up Dunkin Donuts once a day every day it doesn't take long to get disqualified from Super Preferred by build and cholesterol!

I'm waiting for them to start serving this:

 

[WinoBlues]

In regards to military, I see mostly officers applying for private life ins. The Gov offers pretty cheap insurance options that covers most military peoples needs for their finances. It's officers with a better pay grade that tend to go for a little extra to cover family needs.
- - - - - - - - - - - - - - - - - -

I think you're good to just look over the company preferred guidelines and apply as he would normally qualify.

On military, you really need to look at the company guide lines. Example Protective will pay death claims due to act of war and also cover waiver of premium due to act of war. Many do not. Active duty becomes disabled in a war zone the waiver will take over.

Sent from my Nexus 7 using Insurance Forums
- - - - - - - - - - - - - - - - - -

Agreed Monkey.

These small policies of 5-35K reek of what American Amicable Agents did to poor, unsuspecting soldiers back in the day.

Main reason I do not sell them.

Sent from my Nexus 7 using Insurance Forums

 

[InsuranceMonkey]

ING also has no war exclusion, neither does SYMETRA. With the nature of conflict in the world, nature of US troop deployment as it is, it's really a disservice to a military client to get them a policy with war exclusions on it.

 

[WinoBlues]

ING also has no war exclusion, neither does SYMETRA. With the nature of conflict in the world, nature of US troop deployment as it is, it's really a disservice to a military client to get them a policy with war exclusions on it.

Agreed. Same for any young person that _may_ choose to serve later. Shortly I will have three in cammies. If one of them comes home broken the waiver of premium could be huge.

Sent from my Nexus 7 using Insurance Forums

 

[pcbinsurance]

You raised them well Wino. My hat/beret is off to you Sir!
Thanks for all you do.

 

[WinoBlues]

You raised them well Wino. My hat/beret is off to you Sir!
Thanks for all you do.

If I raised the last one well he would have taken one of the college offers he got. Scored pretty high on the asvab but I guess he is as big a bone head as the rest of us.

Sent from my Nexus 7 using Insurance Forums

 

[pcbinsurance]

Some (few) people are wired to put their country first and I'm thankful for that. I had high ASVAB scores yet chose to be a Combat Engineer because my Dad was one. The grape doesn't fall far from the vine when you raise them right.

 

[AllGold]

Wino is correct. Police qualify normally, except for the high risk duties like the bomb squad. Local, county, state, all OK for best rate.

The same for firefighters?

Tahoe Ray, you're killing me with that photo!

 

[WinoBlues]

some (few) people are wired to put their country first and i'm thankful for that. I had high asvab scores yet chose to be a combat engineer because my dad was one. The grape doesn't fall far from the vine when you raise them right.

1% of the Nation.

.................................