Robert Crondiser asked:


Can Life Insurance refuse payment after the 2 years ******* clause expires?

Contrary to public belief, I’ve found that the laws of most states and the policies of most life insurance companies only exclude ******* benefits for a 2 year period.

If hypothetically a customer was to purchase a policy with the expressed purpose of committing ******* in 2 years, could the insurance company refuse to pay?

This is for my actuary paper, not a personal question!

foxyb131 asked:


In the next two years I am planning to move from Detroit, MI,and I am trying to find out everything I can aboout South and North Carolina. I am a professional Life insurance Agent/Staff Manager,and that’s why I want to know. I’m 57years old and I need to know about their cities,and which ones would be best for me at this age.

jennifer asked:


My friend has a term life insurance policy that is less than 2 years old. She entered the hospital recently for a newly diagnosed bipolar disorder and had admitted to thoughts of *******. Within 2 months of her stay and diagnosis, her term life insurance policy was canceled by the insurance company for reasons of risk. Can they legally do this? I read the policy, but am unclear whether they have the right to do this. Thanks.