jazngabsmom asked:


My husband commited a felony nine years ago when he was nineteen years old and has not been in trouble since. He is now a foreman, owns his own home and is just a regualr citizen, but he has been denied life insurance through 3 companies. Any suggestions?
His medical exam and history is perfect, he even qualified for prefered rates, but it all comes down to the background check.

Inquiring Mind asked:


I’d like to know if there’s a law or rule (especially in California) regarding the time between the death and the life insurance payout.

StraightBallin asked:


I have a friend who just quite smoking and he wants to know how long he should wait before he goes to get life insurance (to get the physical exam). He would like to wait until there is no more (detectable) nicotine in his system. How long should he wait to get underwriting?

Robbo_op_98 asked:


I am a 27 year old single male. I own a house that has a mortgage, and I have some outstanding debt, car, student loans, etc. I plan to be married within the next 3-4 years. I want to make sure that if something should happen to me my family, future wife and parents, are not stuck with my bills and able to continue on without a huge finacial hardship. I know there are different types of life insurance, but not sure how the different ones work. Any help would be greatly appreciated.

Eruvadhron “LOE” asked:


What exactly is life insurance and how does it work?

I don’t understand, won’t you be dead or something so what does it do for you?

What happens if it doesn’t get cashed in, what does that mean?

Sorry I don’t understand, please explain.