Could anyone help me to choose the insurance for my mom with 25k or 50k coverage?

Question

Hello to everybody. My mom has just moved to the United States. She's a permanent resident, we already opened for her checking accounts with debit cards and a credit card.

My question is: I'd like to get insurance for her.

She's 55, everything's OK, but I would like to protect her. Sometime she goes to her country for a couple of months, the medicine is cheaper there. So, for example, she doesn't need a dental insurance in the US.

The most important thing we need for her is a coverage of unexpected death because of stroke, heart attack or accident.

We would like to make automatic payments from the checking account. As soon as we pay (1+ or 2+ yrs), the insurance coverage works. Stop paying - it cancels automatically (no fees).

Is it possible to have that insurance without visiting any medical offices (probably the price will be a little bit higher)?

We live in NY. Also that insurance has to be valid outside the US.

What is the best price, what internet link to apply?

Thnx.

Answer 1

I strongly advise not to buy over the internet no matter how low the rates look. Obviously you want this insurance as a means of her leaving you an inheritance, and that is ok; however, you need to call your local agent, someone you already are doing business with, and let him/her find a quality plan for you. Good luck.

Answer 2

ehealthinsurance.com

Not a scam.  Best rates.  It's what I use for my family.

Answer 3

If you buy over the internet, you're more likely to get scammed - and possibly have the checking account emptied out.  

You can buy a low polciy limit, no medical exam where you have to live 2 years (and pay two years) before it will activate, but I don't think it's going to pay THAT much.  AND, I don't think they want you traveling out of the country on that.  So that could be an issue.

Maybe in her country of origin, they have something like that?

But . . . bottom line . . . if she can afford to travel as much as she plans on traveling, she doesn't NEED that life insurance.  She can just pre-pay funeral costs.

Answer 4

AmeriPlan has cheap benefits for your entire family.   Try them!