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I. How We Work in Washington. Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services. APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
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V. Complaints. Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights. APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.I agree that: A.I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information"). B.APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink. C.APFM may send all communications to me electronically via e-mail or by access to an APFM web site. D.If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records. E.This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year. F.You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
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At 79, your mom is outside or at the edge of the actuarial tables that insurance companies use to determine risk. Not insurable as she more than likely has a comorbidity that is a factor & adds into risk profile. Life expectancy overall in US according to CDC is 78.9 years with 81.1 for females.
She may be able to buy one of those small insurance policies that tout $ to pay funeral costs that are on TV. There’s been a couple of folks who have posted on their experience with them with parents policies on this site awhile ago. If I’m remembering correctly, all seem to have a 5 or 7 year payment requirement BEFORE payout can happen. So if mom dies at yr 3, even though current on payments, no benefit. The risk table for this type of insurer is set for 5 or 7 years, so not till beyond that does policy pay. You have to read the policy carefully.
Life insurance for her? At age 79, it is going to be super expensive---it's almost not worth it. You will find that the monthly/yearly rates are sky high and the payout is minimal. Even if mother's health is PERFECT, her age is really against her. Some tables don't even go as high as age 79.
Saving the amount you would be paying into a life insurance policy might make more sense at this point. Talk to several life insurance agents and see what they say. They actuarial tables don't lie--your mother has lived almost to the end of a "normal" lifespan" and any insurance company is immediately going to see that.
Is this insurance to pay for end of life costs, such as burial, headstone, etc., or as an inheritance? If it's for the burial costs, probably better to set up a pre-pay system. If it's for inheritance--well, doesn't matter what it's FOR, just, be prepared to pay a small fortune.
I work in the legal department of a financial company. The life underwriting team is a team I support, along with actuarial. What both posters above me have posted is accurate.
Please consider paying the money you'd pay in premium into a savings account instead. The premium for even the most basic policy (let's say, 10K to pay for funeral expenses) will be very expensive, if you can even find a company who would write the policy. I can confirm at 79, your mother is outside the issue age most insurers would accept, or on the very edge for the few companies that would consider writing her."
If you want to continue investigating a policy, you could try an online quote service (just google "life insurance quote"). Just be prepared for the instant phone calls that will start as soon as you enter the information, but you would get a relatively accurate quote and the company offering the policy, along with the basic policy terms.
Is this intended as a funeral plan? Read the terms and conditions very carefully. There are some good deals out there but there are also shocking rip-offs. And don't put your personal details on line or you'll never hear the end of it, Rebecca is quite right.
My question is, why does she need life insurance. She isn't even going to benefit from it. If she passes with no money no one is responsible for her debts. If she has some assets the bills will have to be paid before anyone gets the money. Then u have to consider Medicaid, they will request the policy be cashed in for her care. If the policy is for her funeral expenses then have it stipulated that is for funeral expenses so Medicare can't take it. Funeral expenses include flowers, stone, and luncheon.
My LO is always getting offers from AARP and AAA. I'd inquire and read the details. I'd deal with a reputable company and not give any personal detail information.
Also, I'd research how to cut cost on burials. There's a lot you can find online about simple things to reduce the cost by thousands of dollars.
I do agreed with JoAnn29, some insurance co., wants her money really bad and she got sucked into it.... It's would be wasting her money! I got term insurance from credit union since 1992, if I died now $100.000 ... but if I live to be over 72 that go down to half... I'm paying for only $8.50 a month. The bottom line is "Waste $$$" for old age to buy any kind of ins!
Thank you all very much for your input. It is pretty much what I expected to hear but I wanted to make sure that there weren't any other options I might have been overlooking.
By proceeding, I agree that I understand the following disclosures:
I. How We Work in Washington.
Based on your preferences, we provide you with information about one or more of our contracted senior living providers ("Participating Communities") and provide your Senior Living Care Information to Participating Communities. The Participating Communities may contact you directly regarding their services.
APFM does not endorse or recommend any provider. It is your sole responsibility to select the appropriate care for yourself or your loved one. We work with both you and the Participating Communities in your search. We do not permit our Advisors to have an ownership interest in Participating Communities.
II. How We Are Paid.
We do not charge you any fee – we are paid by the Participating Communities. Some Participating Communities pay us a percentage of the first month's standard rate for the rent and care services you select. We invoice these fees after the senior moves in.
III. When We Tour.
APFM tours certain Participating Communities in Washington (typically more in metropolitan areas than in rural areas.) During the 12 month period prior to December 31, 2017, we toured 86.2% of Participating Communities with capacity for 20 or more residents.
IV. No Obligation or Commitment.
You have no obligation to use or to continue to use our services. Because you pay no fee to us, you will never need to ask for a refund.
V. Complaints.
Please contact our Family Feedback Line at (866) 584-7340 or ConsumerFeedback@aplaceformom.com to report any complaint. Consumers have many avenues to address a dispute with any referral service company, including the right to file a complaint with the Attorney General's office at: Consumer Protection Division, 800 5th Avenue, Ste. 2000, Seattle, 98104 or 800-551-4636.
VI. No Waiver of Your Rights.
APFM does not (and may not) require or even ask consumers seeking senior housing or care services in Washington State to sign waivers of liability for losses of personal property or injury or to sign waivers of any rights established under law.
I agree that:
A.
I authorize A Place For Mom ("APFM") to collect certain personal and contact detail information, as well as relevant health care information about me or from me about the senior family member or relative I am assisting ("Senior Living Care Information").
B.
APFM may provide information to me electronically. My electronic signature on agreements and documents has the same effect as if I signed them in ink.
C.
APFM may send all communications to me electronically via e-mail or by access to an APFM web site.
D.
If I want a paper copy, I can print a copy of the Disclosures or download the Disclosures for my records.
E.
This E-Sign Acknowledgement and Authorization applies to these Disclosures and all future Disclosures related to APFM's services, unless I revoke my authorization. You may revoke this authorization in writing at any time (except where we have already disclosed information before receiving your revocation.) This authorization will expire after one year.
F.
You consent to APFM's reaching out to you using a phone system than can auto-dial numbers (we miss rotary phones, too!), but this consent is not required to use our service.
She may be able to buy one of those small insurance policies that tout $ to pay funeral costs that are on TV. There’s been a couple of folks who have posted on their experience with them with parents policies on this site awhile ago. If I’m remembering correctly, all seem to have a 5 or 7 year payment requirement BEFORE payout can happen. So if mom dies at yr 3, even though current on payments, no benefit. The risk table for this type of insurer is set for 5 or 7 years, so not till beyond that does policy pay. You have to read the policy carefully.
Saving the amount you would be paying into a life insurance policy might make more sense at this point. Talk to several life insurance agents and see what they say. They actuarial tables don't lie--your mother has lived almost to the end of a "normal" lifespan" and any insurance company is immediately going to see that.
Is this insurance to pay for end of life costs, such as burial, headstone, etc., or as an inheritance? If it's for the burial costs, probably better to set up a pre-pay system. If it's for inheritance--well, doesn't matter what it's FOR, just, be prepared to pay a small fortune.
Please consider paying the money you'd pay in premium into a savings account instead. The premium for even the most basic policy (let's say, 10K to pay for funeral expenses) will be very expensive, if you can even find a company who would write the policy. I can confirm at 79, your mother is outside the issue age most insurers would accept, or on the very edge for the few companies that would consider writing her."
If you want to continue investigating a policy, you could try an online quote service (just google "life insurance quote"). Just be prepared for the instant phone calls that will start as soon as you enter the information, but you would get a relatively accurate quote and the company offering the policy, along with the basic policy terms.
Best of luck.
Some of the fine print comes and only after buying the policy, can you read it.
Also, I'd research how to cut cost on burials. There's a lot you can find online about simple things to reduce the cost by thousands of dollars.