Incarcerated in Prison

[SportsNut]

Thanks everyone for your input. I am talking to his father about the coverage for his son who is in prison and he would be the owner and payer. I would just need the signature and the RIGHT company that would insure him. I will start making some calls to underwriting. Monumental requires you to be present with the applicant thus I would have to go to the prison. Not exactly what I want to do.

Sounds like you've never been inside of one of these fine institutions. You would not be permitted to enter as a visitor with one slip of blank paper or pen let alone a legal form. Not happening. They monitor every move.

You could contact the institution and inquire about the proceedure for an inmate to sign a contract; this may require an Atty to present the forms for inmates signature in person; depends. I think you can see that this is not as feasible as it sounds on the surface.

 

[gordon112]

Sounds like you've never been inside of one of these fine institutions. You would not be permitted to enter as a visitor with one slip of blank paper or pen let alone a legal form. Not happening. They monitor every move.

You could contact the institution and inquire about the proceedure for an inmate to sign a contract; this may require an Atty to present the forms for inmates signature in person; depends. I think you can see that this is not as feasible as it sounds on the surface.

I figured that, it is a procedure that I would rather not feel comfortable with. It is also high risk for the insurers. IF they don't have burial money or plans and the inmate dies in prison, how does the state handle the burial?

 

[Rearden]

Don't drop the pen...

 

[RichMcK]

is he on death row? if so how many months?

 

[WinoBlues]

is he on death row? if so how many months?

In California is grandkids will die of old age before they hit the plunger.

 

[SportsNut]

is he on death row? if so how many months?

Interesting point... Lets say that it was 25 months until the 'plunger is hit', as Lee said. Do you really think that Vantis or any of these other GI policies are going to pay that claim...? Something tells me that their is exclusionary language that would state that if the insured was 'put to death by the plunger', or as a result of felonious actions on the part of the insured... (something that gets you in the electric chair or injection seat would qualify for that surely), that the ins co wouldn't pay such claim...?> I'm just sayin.

 

[Tahoe Ray]

Interesting point... Lets say that it was 25 months until the 'plunger is hit', as Lee said. Do you really think that Vantis or any of these other GI policies are going to pay that claim...? Something tells me that their is exclusionary language that would state that if the insured was 'put to death by the plunger', or as a result of felonious actions on the part of the insured... (something that gets you in the electric chair or injection seat would qualify for that surely), that the ins co wouldn't pay such claim...?> I'm just sayin.

I think that suicide is considered a felony...

 

[HoosierLife]

Interesting point... Lets say that it was 25 months until the 'plunger is hit', as Lee said. Do you really think that Vantis or any of these other GI policies are going to pay that claim...? Something tells me that their is exclusionary language that would state that if the insured was 'put to death by the plunger', or as a result of felonious actions on the part of the insured... (something that gets you in the electric chair or injection seat would qualify for that surely), that the ins co wouldn't pay such claim...?> I'm just sayin.

Having taken my life ins exam in the last 6 months, I vaguely remember there being something about illegal activity making the life ins null and void.

 

[Newby]

The Preneed can be written on him and you don't need his signature or even his knowledge. A family member can buy it, own it and pay it. I would have no problem writing someone a Preneed that is in prison. I would not write any GI on a death row inmate. That would be abusing the insurance company.

 

[jdeasy]

Thankfully I haven't needed business bad enough to write prisoners.

I have had a few family members of prisoners ask me to do so but I always decline.

Just can't see the point. Maybe if I wrote preneed as Newby suggested it would be different.