There are always Guaranteed Issue Policies, limited benefits the first 3 years.
Contact an agent, complete an application and see where it goes.
I need to report my father's death and collect on his life insurance policy.
I need help
NO!
A son can not generally take life insurance policy on his father's life because of lack of insurable interest in the life of father. Life insurance works on the principle of insurable interest. A father generally has insurable interest in the life of his child due to emotional reasons. That is why life insurance companies design the products for the children which take care of their education and other expenses once they grow up.
Yes you can. To get insurance, insurance companies, want to see an "insurable interest." Since he is the father of your child, you have an insurable interest on him.
About 5 to 7 years.
How do I find out if my deseased father has a life insurance policy
ask the sibling.
Yes. As long as there exists an Insurable Interest between two parties, they can buy life insurance. For instance, there is insurable interest between spouses, parents and their children, and relatives. A daughter may purchase life insurance on her father.
How can I find out if my decease father placed us on his life insurance. He remarried and his wife has not forwarded any documents to us
It's like finding out a needle from a heaps of straws ! It's advisable that you contact local branch office of your Life Insurance Company, if they can help you to find out about existence of a life insurance policy of your dead father. Searching by name/address of your dead father over Net may be beneficial.
In order to take out a life insurance policy on your father, they would have needed an insurable interest. This limits it to family members and creditors. Ask! No, only your father can take out a life insurance policy on himself. He could have taken one out on himself with his friend or pastor being the beneficiary (person who collects after final debts are paid), although no one else is able to take out a policy one someone else. And no one else besides the owner of the policy may make changes to an existing policy. Hope this helps.