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Opie

Disability & Life Ins. questions

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Reviewing my coverage and would be interested in hearing from anyone who has good coverage on an individual policy (not a group policy thru work), that doesn't contain exclusions or a rider for skydiving. Seems health coverage isn't too hard to find, but disability and any substantial life ins. is a bit more difficult.

Thanks

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There is a company that USPA has a group policy through. You can get a life ADD policy that covers skydiving accidents, in addition to every thing else at I believe 25, 50, 75 and 100K. It was pretty cheap but the premiums went up recently, still less then I have seen quoted with a skydiving rider. It is not a bad idea as a backup policy for Skydiving in addition to what ever one you have normally that may not pay out on a skydiving accident.

Scott C.

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my company offers AFLAC and some other company for disability....there is a skydiving clause for both, and I turned down both offers. The insurance saleman that interviewed me actually told me that I would be the ideal candidate for someone to take out a 1 mil policy on me...>:(B| They weren't the greatest; AFLAC pays upon injury and the other (I can't remember the company) would pay after 6 days of absence 3/4 of your salary until your return to work...I figured if I had AFLAC I would subconsciencely know that I was covered if injured and that would make me more suseptible to injuring myself...:S



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lol...yeah, when the woman from AFLAC came she brought with her little stuffed ducks that screamed AFLAC when you pushed their chest...so anyone who signed up for AFLAC was given a duck, as were all of the managers...for days that damn duck was getting into so much trouble; answering the telephones, screaming over the buildings all call, leaving messages on peoples answering machines...(ok, I kind of had a hand in that one..) My duck has since been kidnapped.[:/]



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