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Can I Buy Life Insurance on My Mother?

life insurance for my mother

Can I Buy Life Insurance for my Mom?

In the following article we will address how to get life insurance on your mother.

Typically, when we’re asked the question “can I get life insurance for my mother?” or “I want to get life insurance for my mom” it’s usually because the person calling in is worried about what would happen if their mother were to pass away without life insurance.  For example:

  • Who would pay for their burial or cremation?
  • How would her heirs survive “financially” after she was gone?

After all, if there isn’t any life insurance in place the question then becomes, “Is there a plan in place to make sure everyone would be taken care of in the event of your mother’s death?” The good news is, you can buy life insurance on someone else, you just need to know how.

In situations like these, the uninsured mother may be uninsured because:

  • They have some type of pre-existing condition preventing them from being able to find coverage or find affordable coverage.
  • They don’t feel that they need to have any life insurance.
  • Or they may simply not “believe” that life insurance is important.

This is why it can be difficult to get life insurance for mom when mom doesn’t want to be involved in the process of getting insured!

After all, depending on the types of life insurance being applied for, getting approved for life insurance may be considered too much work for these individuals who aren’t all that interested in getting insured in the first place!

The Real Question Behind “Can I buy life insurance for my mother?”

We’ve found that most of the time when we’re asked, “Can I buy life insurance for my mom?”, the person is asking the question because their mother just won’t seem to get life insurance on their own.

It may be due to reasons such as:

  • They don’t think they need it,
  • They don’t like doctors,
  • They don’t trust insurance companies,
  • They think it’s too creepy to talk about how the will one day die, or
  • Maybe it’s because they don’t believe they can afford any life insurance in the first place!

And the truth is, people will make up a million different reasons to avoid buying life insurance. But that doesn’t change the fact that one day, everyone, including your father, will die.

Fact:

100% of all Americans will eventually die, and of those, only 52% will have life insurance in place.

So by asking “Can I get life insurance on my Mom?” what one is really asking is:

“Can I get life insurance on my mom without him taking an active role in the process?”

Short answer:  Yes.

Complete answer:  It depends.

Ok, so tell me how can I buy life insurance on my mother?

Let’s just assume that your mother is OK with you getting life insurance on her.  She’s OK with it, but she’s just not going to go out of her way to make it easy for you or the insurance company.

In cases like these, there are a few different insurance companies that will offer complete term life insurance coverage up to $500,000 that would go in force within 24 hours after a brief phone interview.

In our experiences, we’ve found that if you can:

  • Eliminate the need for a complete medical exam,
  • Allow everything to be completed over the phone in just a few minutes, and
  • Get rid of the long approval process, even the most stubborn applicant can be persuaded to get insured!

What if my mother isn’t willing to pay the premium herself?

This happens all the time!

Getting life insurance on mom might be hindered by the fact that mom doesn’t have the funds or does not agree to pay for the life insurance. Which is why a family member will often decide that they would like to pay for the life insurance for their loved one, so that there will be insurance in place when the time comes.

Attention:  Insurance companies get a little sensitive about this one.  After all, insurance carriers don’t really want to find themselves allowing someone to insure another individual without the insured having knowledge of the fact.  For this reason, some carriers (but not all) may require the initial payment to be made by the insured, and then switched to another individual after the first premium is collected.

This is where working with TermLife2Go can make all the difference in the world because with dozens of different insurance carriers to choose from, we’re sure to find one with a payment method that will work for even the most difficult of situations.

About TermLife2Go:

We’re looking for lifetime customers that will recommend their friends and family to us which is why we place customer satisfaction above all else.

Our promise to you is that if we’re reasonably sure that we can help, we’re not going to waste your time!  Our goal here at TermLife2Go is to get you and your family the best possible life insurance policy available for you, not just quote you something you’ll never be able to qualify for!

So what are you waiting for?  Just give us a call  to see just what we can do for you! After all, getting life insurance for a parent does not have to be difficult. 

27 comments… add one
  • Angel

    I need to get life insurance on my mother. But she is not able to talk for her self. I need help please

  • Larry

    My Adult child wants to take out a 300,000 dollar insurance on me. I do not feel that is necessary because I already have a 20,000 life insurance with no debt. He/she does want it for personal use not to cremate me. He/she lives in another state and we have always been estranged. Can he/she still do this if he/she has my social security number? Thanks

    • Larry,

      In order for your child to purchase a life insurance policy on you, he/she would need to get your approval first. This is one of the first requirements that an insurance company will ask for prior to putting a life insurance policy in place. Additionally, in order to qualify for such a large amount of coverage ($300,000), the insurance companies would also likely require that you take a medical exam and/or answer a whole series of medical questions before they would even consider approving your application.

      So… we don’t think you have anything to worry about with regards to your child being able to take out a life insurance policy on you without your knowledge.

      Thanks,

      TermLife2Go.

  • Lynn

    I live in California, I’m wanting to get furneral insurance for my mother (she lives in Texas) with a cash value 30K, and I will be purchasing as owner and beneficiary. Also my sister did buy life insurance for my mom too ( but she bought it for her purposes use, it’s not for mom’s furneral). My question is; will this affect her Medicaid/Medical or SSI benefits if I am starting buying furneral insurance for my mom as the owner and not transferring ownership?

    • Lynn,

      Because the cash value with most burial life insurance policies is so small and takes so long to accumulate, we really haven’t encountered anyone who has had it’s “cash value” become an issue for them with regards to their Medicaid or SSI benefits.

      That being said however, each individuals situation is unique so we would suggest that you direct this question to Medicaid or the SSI department to be 100% certain that you won’t have any issues in the future.

      We simply wouldn’t want to give you any information that wasn’t accurate.

      Thanks,

      TermLife2Go.

  • Christina b

    I’m wanting to get life insurance for my mom

  • nece

    I like to purchase a life insurance for my mom, if I could ,she is 79yrs old and I want to be able to take care of some if not all the arrangement when that time come. I was told she has about a $5000 insurance policy, which I don’t feel its enough, there is so much more ,like bills and medical expensive to settle out.

    • Nece,

      Sounds like you may need to get a little bit more coverage in place. Why don’t you just give us a call and we’ll see what we can do.

      Thanks,

      TermLife2Go.

  • Denee B

    Would like to buy insurance for my 75 yr old mom.

    • Denee,

      Sounds good, just give us a call and we’ll take a look at some options that may be available.

      Thanks,

      TermLife2Go

  • Krystal

    I need to take out a life insurance policy for my 50yr old mother who cannot afford to take one out for herself.

    • Krystal,

      Sounds good, just give us a call when you have a chance and we’ll do our best to help you out!

      Thanks,

      TermLife2Go.

  • Joy Shrouder

    Needing to purchase a life policy for my 60 year old mom, to hep to cover funeral expenses and estate costs.

  • Peter

    I would like to take out a life policy on my mother in law ,she is 69 years old.

    • Peter,

      Sounds good, we would just need to speak with her first so that we can learn what types of life insurance policies she will be eligible for. For this reason, why don’t you just give us a call and we’ll see what we can do.

      Thanks,

      TermLife2Go.

  • Michael P.

    Widowed mother in law, age 66, is concerned that her $10,000 life insurance policy with Minnesota Life will be insufficient for both paying for her funeral expenses plus provide for the well-being of her two surviving daughters. As her son in law, and at her request, I am searching for viable life insurance options for her. She has no major health complications that we are aware of, and I am willing to assist in premium payments as neccessary as she is income limited.

    Thank you.

    • Michael,

      We’ll certainly be able to help you out,so just give us a call and we’ll take a look at what your options are.

      Thanks,

      TermLife2Go.

  • Hellen

    Wanted life insurance for my mother

    • Hellen,

      That sounds good, just give us a call and we’ll do our best to help you out.

      Thanks,

      TermLife2Go.

  • My mother is dying and needs life insuarnce asap. How can I get it.
    At a affortable price asap thanks call me 832-XXX-XXXX

  • Heidi

    I would like to buy life insurance for my mom (my father died in 2002), but my mother doesn’t believe she can get any additional coverage. She has a $10,000 policy that would just barely cover her burial expenses. My brother & I would be left paying off her $400,000 home & getting rid of mountains of stuff she has hoarded through the years. Also, I currently live with her & would have to find somewhere else to live for myself & my 3 daughters. Please help!

    • Heidi,

      For certain types of life insurance policies, it is true that one may need to demonstrate that they can “financially” qualify in addition to “medically” qualify for coverage.

      So, without knowing more about your mother’s situation, we wouldn’t really be able to comment on how much additional coverage your mother may or may not be able to qualify for, particularly if you’re looking for a $400,000 dollar life insurance policy.

      Now on the other hand, if you are simply looking to supplement your mother existing $10,000 dollar life insurance policy with another 10-25 thousand dollar life insurance policy, “financial” justification shouldn’t necessarily play a role in determining eligibility.

      Your best bet, would probably be to just give us a call when you have a chance and we’ll do our very best to help you and your family out.

      Thanks,

      TermLife2Go.

  • Michael Ikard

    I want to buy life insurance for my mother.

    • Sounds good, just give us a call and we’ll see what we can do for you.

      Thanks,

      TermLife2Go

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