Bankers life interveiw should I bother? -

Im 18 (still in highschool) and I have an interveiw with Banker's Life and Casualty, who sales life insurance to the elederly. The job is comission based and full time so I probly wont even have time to work tis job Should I even bother going to the interveiw? yes *** there aren't a huge number of insurance companies that will actually train a new agent from the ground up. ask lots of questions about the training and how their lead finding process works. at the very least, you'll learn a lot. *** of course, what you may learn is that the firm offers no significant training of any kind and only wants to use the contacts your parents and grandparents have -- in which case you have a great story to tell all the guys in college about a company they'll want to avoid. If you don't want the job, why did you schedule the interview? Either have the courtesy to cancel it or go through with it. A "no show" for an interview appointment is a signal of immaturity. Banker's Life, as with most insurance companies, will give you fair(not good) leads to call where you will hopefully schedule appointments with, and then hopefully be able to sell insurance needs to these same people. It is not an easy job, as most people will hang up on you, or tell you they are not interested. The idea is not to become discouraged, but 95% of those who try it will not succeed within usually a year or much less. Your bosses will tell you how everyone makes millions, and gets free trips, and company bonuses to get you to sit up straight. BUT............... the odds are stacked against you. If you are very outgoing, have a multitude of friends, neighbors, and relatives, all of which are in great need of insurance(because you will be told to start with people you know), then by all means, go to the interview. If not, don't waste your time. I wouldn't. They want warm bodies - they don't care if you can't sell, you have to pay for your own license, they are out NOTHING if you can't make it. Do you WANT a straight sales job? Do you WANT to work 80 hour weeks?? It's HARD. Most people wash out.

Rent money i need help have become disabled? -

i need a surgery for a problem im having no insurance trying to get help.the town is giving me a hard time with rental assistance.i need help with rent can someone please help?? itlnpwr513@yahoo.com what, you're looking for a cash handout? It won't solve your problem. Your problem is a cashflow problem. Start listening to Dave Ramsey on the radio. Be creative, make your own source of income that isn't begging on the internet. Google a Social Security Disability Advocate so you can get on social security.

Can someone suggest a homeowners warranty company? -

I have a homeowners warranty already but it expires in January. I only had to use them twice and they seem to be ok. It being that I had no knowledge of how to choose. Can someone give me suggestions on how to pick a homeowners warranty package or has anyone had good luck with a particular company that is reasonably priced? I live in central Arizona and need one that has good a/c coverage due to the heat in the summer. Any suggestions are appreciated. Yes, Countrywide offers one. Either under the name Countrywide or Balboa Insurance. Call 800 669 6657 and ask to speak with someone in sales.

I'm in the Hospital H.R. Person forgot to send my application to the carrier!? -

I applied for insurance, but the H.R. person of the company forgot to send the application to the carrier to be process now what should i do? I'm in the hospital with no insurance. Is there something the brokerage of my company or company can do? I'm writing this as we speak. If the company where you work is large enough to have an H.R. Department then there are a couple of possibilities--your application will be faxed or e-mailed to the health insurance company along with a letter explaining the error and the insurance company will issue the policy with coverage backdated to the date of your original application. Or the insurance company will decline to backdate coverage and will issue effective date of receipt. If this happens more than likely the company that you work for has coverage for errors and omissions committed by the H.R. Department. In terms of pre-existing conditions, this is usually not an issue with large group policies, i.e. even if you are in the hospital due to an ongoing medical problem they will not decline you due to a pre-existing condition. For now concentrate on getting well, I believe this will work out for you and if it doesn't you will have the time to obtain the services of an attorney. Good Luck The HR person is in deep doo. You are safe. Call his/her manager asap. A letter should be sent to show that there was a mishap...or mistake not on your part but on thiers....this should be sufficient in getting the insurance problem alleviated....it would fall under special circumstances....but more than likely you will have to speak with one of the insurance representatives.... Pinky nailed this one. unless you're the CEO or the HR person's manager [in which case, prepare for a lawsuit]. as long as you're an ordinary worker bee, you intended to join up and your employer accepted your paperwork. That completes the offer-acceptance cycle and you're legally a member as long as you meet the usual criteria. That company did not forward the paperwork to the insurance carrier is between them and the insurance co. *** of course, if the usual criteria may include no coverage for pre-existing conditions and insurance company discovers you knew about this condition before becoming an employee of the company -- then, you're likely not covered at all and there is nothing you can do about it. [You are in America, right?] There's probably not much you can do from the hospital, other than get yourself well. However, when you are feeling better, your HR department better clear this up with the insurance carrier. If they are unwilling or unable to do so and it is clearly their error, then you should take your company (and the HR person, personally) to court. Be sure to get yourself a good lawyer, you're going to need one. When you signed up for the insurance, your HR representative should have given you a pink carbon copy of your enrollment form. This copy acts as evidence of coverage until you actually have your member ID card in your hand. As long as it hasn't been too long, your employer can easily backdate your coverage with the insurance carrier (they do it all the time). So, you really don't need to worry. Get well soon!

Can this be cashed?: $500 (Maximum Amount) 20-Year Payment Whole Life Industrial Policy from 1952? -

My grandfather recently gave me an envelope with some paperwork inside for a $500 (Maximum Amount) 20-Year Payment Whole Life Industrial Policy that he took out on my mother back in 1952 with Met Life. He is named as the beneficiary, and he told me to have her sign it, and she could cash it in. I know nothing about insurance policies, so I'm wondering if this policy is worth $500 now, or has it increased in value? If my mother decides to cash it in will she receive $500? How would she go about cashing it in? It says on it that in 1972, it was worth $163. Thanks in advance for any help! Most $500 policies that matured in 1972 would be worth far more now, as long as premiums were paid in full so that the policy didn't lapse. Since you used the words "maximum $500", though, I am reluctant to say that for sure. Your Mom should definitely call the insurance company to find out her options. They will be able to tell her if the policy is current (a lot can happen in 55 years - your grandfather could have cashed it in and not recall), how much it is currently worth and how to go about surrendering the policy. Don't bother trying to call for her - they can't talk to you due to privacy laws - but you can be on the phone and help her along. She is likely the current owner even if your grandfather originally owned it - many policies on children automatically become the property of the insured when they become of age, unless your grandfather chose not to do that. If he is still the owner than he would have to sign the policy over to her in order for her to cash it in. Again, something to discuss with the insurance company. Best of luck! A whole life insurance policy is a permanent policy that builds with dividends or interest rates. The policy has definately grown since 1972. Your best bet would be to look up the policy number with an agent to see how much is accumulated and if she can cash it in. If she is the owner of the policy then she can cash it. However if she was a minor in 1952, then your grandfather may be the owner. If the whole life policy was issued in 1952, and it was 20 years to payoff, then it should be worth more than $500. Don't quit your day job though. It won't be millions, but should be a nice suprise. Why don't you just call the insurance company and find out? Hey, look at this person's windfall. Why not take out whole life insurance on your kids? Compare Whole Life Insurance Here. If she DIES it's worth $500. You'd be lucky to get $200 for it today. The OWNER of the polciy can cash it in - likely your grandfather. Someone will have to call the insurance company and ask what the surrender value is. Contact MetLife. Honestly, no one will know the answer any better. They may ask to speak to your grandfather or only send information to him because it sounds like he is the owner of the policy. Due to the age of the policy, it may take two weeks, or longer, to get specific information on this policy. http://www.metlife.com

Shipping questions? -

I am going to be sending a laptop to indiana from colorado and what happens if my computer is damaged through the shipping? I am going to buy the extra insurance for $2.15 per $100 that I would like insurance on. Thanks Just trying to check what happens/ With UPS...If the package is damaged they will pay for repair up to the amount insured plus shipping costs. But... you have to take responsibility of packaging it properly (factory pack) or pay the shipping company to package it. Most think they will receive the amount it is insured for, you actually only receive the amount for repair or replacement up to the insured amount and not over the value of the item. Like auto insurance, if you insure a 1995 Accord for 100,000 and total it. You don't get 100,000 you get a repair or replacement (value of the 1995 Accord) cost. Well... if your laptop is damaged the company you are shipping it with will write you a check for the amount you have it insured for, assuming they are infact the ones who damaged it. After you put it in a box you should take a couple pictures of what the box looks like. Is it UPS? UPS will not honor claims for electronics not shipped in their original packaging at least from Staples. Don't forget also that a rechargable battery is considered hazardous material and you are supposed to do extra paperwork for that http://www.ups.com/content/us/en/resourc... So if you are going to do it, pack that baby like nobody's business. Make sure you follow UPS's packing guidelines to a T or they won't honor the claim, and just say you packed it like crap. If you try to make a claim, good luck. you MIGHT be able to get them to honor a claim but it will take lots of time and paperwork. don't forget you need proof of how much the computer is worth (i.e your receipt, etc) If you can get through all the red tape, bravo. you need to talk with the company that you are shipping with. some companies have a "capped" amount that they can cover as a carrier. i suggest packing the heck out of it. and putting labels across the seams so that you know that the box has not been tampered with when it gets to the end.

Why i smy disbility benefit more than SSI? -

I will receive more disbility than SSI WHY? i thought it was the other way around....... i made my claim on august and social secuirty told me i will receive a check for 1200 why is that? and can i tak emy benfits if i move out of the country? im a usa citizen Disability is based on the amount of coverage you bought, usually 70% of your more recent salary. SS is based on how much you've paid in, and includes what you've paid in since day one - when you likely were making a LOT less money. Likely you CAN take your benefits if you move out of the country. Confirm with them first.

Totaled SUV, their fault , insurance will only pay what its worth, have 3K left to payoff-what is best action? -

HONDA 2006 CRV SUV(mini) struck from behind. Even they (other party)have good insurance. Co. says we will get what its worth even though we owe.We will be out 2-3K? or get less what we get from other insurance to replace this vehicle.Guess what?we dont have gap insurance.Seems we'd have to go to small claims court?! This insurance stuff is so crazy-Health ,Car- itsa mess- especially for peeps doing the CORRECT thing. this is a company car-from our own home based biz- it even has advertisement on the windows Yes. Even if it was your fault, you'll be out the 2 - 3K. It's called, "cost of borrowing money". You don't get cost to replace, you don't get payoff, you get exactly what the car is worth. That's all you're really out, because of the accident. Walking into a bad loan, or not putting down a decent down payment, isn't THEIR fault. Your financial decisions are NOT covered, without GAP. Only the CAR is covered. Even if you go to small claims court, the other guy isn't responsible for YOUR LOAN. You won't win. Sorry. Next time, don't buy a car if you can't put 20% down. Or, buy an older car, or a cheaper car. Then you won't have this problem. The party which caused the damages to your vehicle is not responsible for what you OWE on the property damaged. They are responsible for the costs of the physical damage, which in this case is the market value of the vehicle. Who is responsible for the value of the vehicle falling FASTER than the loan against it is paid down ? That would be you, the borrower. You can sue all you want but they only owe for what the car is worth not what you owe on the car. That is law. You will lose. I am sorry to say you will have to pay the difference. technically u owe the difference. as for lawyer , u may not come out ahead or even with more $$. suggest u get a personal loan or scrap up what ever cash , buy cash car for now. don't go into to debt for car , bad money deal. note when running with HB ads on car ur insurance may not cover u . visit daveramsey.com to learn ur hard lesssons from others mistakes. it is cheaper and easier. Who determined the worth of your vehicle? You should be paid what it will cost to replace the vehicle (same model, same condition, close to same mileage, etc.) at local car dealerships. Check with local dealerships yourself to determine value of your vehicle. If there is a loan on a fairly new vehicle, it is very possible to owe more than it is worth. If you feel a lawsuit is warranted, go that route for more money. If it was not your fault, a good attorney may be able to negotiate more for you. Depending on your state law, you might be entitled to more from the insured, especially if there was gross negligence or intentional harm. People who are dumb enough to owe more on their vehicle than it is worth are asking for trouble, however. You were NOT doing the correct thing. you are on the hook for that money. best bet is to try and roll it into your next car loan. this can not be blamed on someone else, you were given an opportunity to buy gap insurance. If you have Underinsured Motorist coverage, you can file a claim against that. If you think the people that hit you care about their credit, take them to small claims court. Bummer. You know I had a car totalled -- but it was an older car and the damage reallly wasn't that bad. I got the money in cash and found a body shop who would fix it for what I had. LOL - which probably tells you something about how things get inflated for insurance -- but that is another subject. Yeah, it's tough for you, but you're probably on the hook. I'm not sure what small claims court will do for you. Get the other party to make up the difference? Well, it might work, or since you mentioned it is a business car - you'll have a tax deduction. NEXT TIME CONSIDER GAP! Look into discounts by buying direct and online. :) The other persons insurance company does not have to close the gap. However, I was in a similar situation about 8 years ago. I contacted his inurance company and told them they would pay the difference due to them insuring a neglegent driver or I would push the claim until I received what I was entitled to. They ended up issuing a check for the full amount. It would be a good idea to have your own valuations of your car by checking with honda dealerships. In other words, check to see what the dealer is selling a 2006 CRV for. Check out www.insurancecoveragesite.com for more information.

Discount means an amount paid that is less that the original amount .? -

yes ...less than the original amount or face value. It is perfectly possible for any given security to never sell at its face value. Discount means that some amount is deducted from the 'original' price. Note that many retailers post an artificially inflated 'regular' price to make the 'discounted' price seem cheaper.

Should I get commission? -

I recently received my insurance agent license from the State of Arkansas, shouldn't my boss pay me commission now for every policy I sell? If so, how much?? P.S. We sell burial insurance. Many people want their employees to be licensed, especially if they have contact with the public on specific matters. If you are in an administrative position, very few receive commissions. Even then, it is usually negotiated with a reduced salary. If you have your license and are making the sales, you should be receiving commissions on your sales, and all transactions for sales that you handle using your license. You may want to review the hiring agreement you had with your boss and how long you were to be on salary only, before you start receiving commissions. Some firms pay you a salary for the first year or two and no commissions even though you may have your license. I hope that helps! best of luck to you. You want commission INSTEAD of salary? I'm sure he'd be happy to switch you over. Not many jobs pay salary AND commission. You're not 'entitled' to commission. Sorry. It depends on the terms of the contract signed and sgreed upon between you and your boss. Was your name and agent number the only one put on the application? Go over your contract and if it is vague or you don't see the commission schedule then ask your boss right away, before it goes any further.

What should I do about Short Term Disability? -

I am out on FMLA and have applied for the Short Term Disability provided by my employee. I sent all the needed information back to the insurance company. OK, so I called the insurance company back to get details regarding my claim and they mentioned that there was a discrepancy between the insurance company and my company. I sent an email to the HR person and she looked into it. She contacted me back and stated that the insurance company did not receive a sent payment and everything would be resolved by the following Tuesday. Lo and behold I called the Insurance Company today and they mentioned that the discrepancy was still there. Again, I sent an email to my company and have not heard back from them. At this point what are my rights? Since the employer is paying for this benefit and nothing is not taken out of my paycheck do I have any rights? If I return to work before this is resolved is the money still owed to me? Send the insurance company letter, certified mail, to guarantee delilvery and give them 10 days to respond. Company paid benefits are covered under ERISA and you can file complaint to US Dept of Labor. You will be reimbursed even after going back to work. Believe me when it comes to discrepancies, carriers take their time fixing them. Once the payment is rec'd, they wait until it clears, then it goes to someone else, finally they get it to the payables to post to the account, then it goes to data entry to reinstate that employees benefit...blah blah blah. I would keep contacting HR and hound them to continue to follow up with your claim. I'm sure they are not returning you call because it has not completed in the system. Be a little patient. Give it 10 business days before you take any action against the employer. You will be reimbursed by law.

I own a small business and I'm getting prepared to offer medical insurance to my employees... help?!? -

My specific question is: If one of my employees is currently pregnant, would that make my rate higher? I know if I was buying individual insurance, it would cost more, but as an employer, how can I control if one of my employees is pregnant, and how is that fair to the rest of the employees? Small group health insurance companies use a Risk Adjustment Factor (RAF) to assess and issue a group's monthly insurance premium. In California, for example, all small group health insurance companies must establish and publish a Standard Rate with the State of California. Standard Rates have a RAF of 1.00. By California law, a health insurance company is limited to issuing a small group employer (generally 2-50 employees) a rate no more than 10% below (0.90 RAF) or 10% above (1.10 RAF) their Standard Rate. Group size, pre-existing medical conditions and the number of COBRA enrollees may affect a group's RAF in California. Outside of California, RAFs vary by health insurance company. When you are looking at carriers for your group plan, look at what your minimum contributions are. For example, some carriers will require you to pay at least 50% or $100 of each employee's premium. The only way to be fair to your employees is to contribute the same amount to each individual health insurance premium. Also, buying individual health coverage for each employee may not necessarily cost more than a group plan. Especially if you have a mix of young and older employees. Health insurance carriers take into consideration that there will be a few "sickees" in your group who otherwise would not qualify, or be able to afford coverage any other way. Depending on your state...pregnancy in group insurance is not considered a pre ex condition by law. Typically, maternity does not increase your premium. Premiums are based on claims paid out during the course of a calendar year for the pool. It goes by the law of large numbers. If you need more info email me at mrsdeli@yahoo.com. It gets involved with alot of info...I can answer better if you are more specific with where you are located. I think there are very few companies which offer such services to small businesses. If you were buying individual insurance, you probably would not be able to get it for a pregnant employee or her family -- at least not in my state. However, why does everybody think individual insurance costs more than group? Actually the reverse is usuallly true since the insurance company can individually underwrite people on individual, and on group they pretty much have to take every body. If I do nothing else on Yahoo Answers I get to clear that up. Now, your question about being fair... Ya' Know, another employee may be pregnant next year, or that nice 50 year old guy could have a heart attack in 3 years and impact rates. Sometimes fair is fair. :) Compare Health Insurance Rates I wouldn't think it will go up, because what if she thinks the coverage is to high, and opt out to get it

Criminal records but got my insurance license? -

I have a criminal records but i did not declare. Now they grant me a license to sell ? i am totally confused. You think after giving me a agent's no . they will not find out. I am based in singapore. You mean they dun do a criminal check on me , my records are drug offence only. They probably won't find out. These people are over reacting. If it's a minor drug offense, you should contact the court and get it expunged from your record. You can be prosecuted for lying on the application. You signed that all info given was true. Now that you are licensed, you can be fined by the DOI also, and your licensed will be revoked. It's probably a trap. No they do not do a criminal background check on you. You are legally required to admit this information on your application. If you fail to supply this information and they give you a license or hire you as a result of your false information, when they do find out about it they will fire you on the spot then take legal action to reclaim the money they have paid you as you broke the law by obtaining a license by providing false information. Your best chance now is to confess to the false document that you submitted and hope they let you keep your license. Otherwise you're going to jail

Insurance cancelled .money still being deducted for 12 weeks. how do i recoup this loss from employer? -

You file a complaint with your state department of labor. When you terminate your insurance you should have filled out a termination form request. That is your proof. I'm sure your employer doesn't realize that the termination was not done by the carrier...it happens all the time. Your employer needs to notify the carrier and prove that the termination was sent with confirmation that it was rec'd. In the meantime, they are required to reimburse you...as long as you prove that you terminated. First of all, speak with the employer - maybe it's just an error on their part that they can correct. If they aren't willing to correct, then take them to small claims court.

Is it a big difference i leave it as commercial ground service [ups] because it is suppose to be residential? -

so i am intern. i messed up. should i just leave it commercial? There's a different price for residential - if you set it up wrong, SOMEONE is going to get a bill for the additional amount, and it's going to come back and bite you in the butt. You should change to residential. UPS charges for the service preformed. Residential costs are higher as commercial they deliver multiple packages, reducing the cost. Drivers do have the ability to change the option to a residential delivery when the package is delivered and the shipper is charged the correct rate. You should expect to pay your fair share.

This is a statistics probability question. My full question is below.? -

Suppose that a life insurance company sells a $250,000 one-year term life policy to a 20 year-old male for $350. According to the National Vital Statistics Report, the probability that the male survives the year is 0.998611. Create a distribution table where x represents the amount of profit for the insurance company and compute the expected value or profit of this policy to the insurance company. P( the guy lives ) = P(company gains 350) = 0.998611 P( the guy dies ) = P(company pays (250000 - 350 = 249650)) = 1 - 0.998611 = 0.001389 The expected amount of money the insurance company will pay is: P(gain 350) * P(the guy lives) + P(pays 249650) * P(guy dies) = 350 * 0.998611 + - 249650 * 0.001389 = 2.75 the insurance company can expect to make a $2.75 profit. Asking online people to do your homework is not the best way to pass your class. Actually doing the homework by re-reading the section is one of the best ways to study for a test.

Can chiropractors suddenly switch to out of network? -

At work, we all have the same insurance.. one lady went to a chiro in October and only paid the $250.00 in-network deductible.. now it's December, they came to our work as a promotional chair massage thing and I went into the office for inital exams and adjustments..and all the sudden they are out of network.. meaning a $500.00 deductible + $350.00 in co-payments... With this work thing they did get a lot of us in there..so I'm thinking they decided to be out of network to get money out of us.. but can they do that? I'm not so sure on how insurance works and stuff like that. If they have chosen to be out of your network why would they try to promote business by visiting your company? I'd be asking them that. Doctors and other health care professionals can drop out of an insurance network when they feel, because they own their businesses and can choose who they do business with. it is not unethical to do that, however it seems a bit unethical to push their business after having dropped the coverage. Your provider network can change at any time - medical providers can leave the network for a variety of reasons. Ultimately, its your responsibility to ensure that you're using network providers. Don't ever assume anything - especially if you're going to a new provider for the first time. (Often a medical provider you see regularly will notify you if they are leaving your network as a courtesy, but even then you can't count on it.) And, no, your assumption in the last paragraph is not correct. (That they went out of network to "get more money from you.") That's not how it works. The provider is getting close to the same amount of money either way...if they had been in-network, the insurer would have been covering a larger share and you personally would have been paying less out of your pocket. But its all the same to the provider in the end - whether the money comes from you or your insurance company. Lesson learned - always check the network status of your providers with the insurance company yourself. Don't take anyone else's word for it (not even the receptionist at the doctor's office)...ultimately you're the one who's going to take the financial hit if a mistake is made, so you should always make the call yourself to get the most current information. Yes they can do that. The insurance company says we will pay X dollars for this service. If the doctor does not agree with that, then they are "out of service". You can still go to them but you pay the higher deductible and likely a higher fee alltogether for the same service that an "in service" provider will charge. And sometimes it may be worth it. Providers, be they doctors, chiropractors or whatever, are always dropping in and out of insurance provider networks. I learned this the hard way and now always verify that a provider is still in my insurance network before using them - and verify it in writing, don't take ANYONE'S verbal word for it. Yes, ANY provider can switch to out of network, at any time. They don't have to do it on a certain date. And ultimately, it's YOUR responsibility to check with your insurer, every time, to be sure something is in network.

Self employed insurance? -

bf is self employed and never been covered under insurance before. I am looking into policies but can not find out anything about preexsisting conditions. He hurt his shoulder several years ago and will probably need surgery. he did see a doctor at that time, but nothing was done, and nothing has been done since. What would be the waiting period if he did see a shoulder specialist and there recomendation was surgery No insurance, insures pre-existing conditions. The coverage wasn't in effect at the time of the injury, why should the insurance now pay? From what I have experienced it is typically a year. It is likely that the condition would receive a waiver, excluding coverage for this shoulder for the life of the policy.

Choosing between Aetna PPO and BlueCrossBS(IL) PPO.Personal opinion counts, but any hard data on the best one? -

It' enrollment time for my wife, and these are the two group plans that are being offered through the United Parcel Service Health Care Plan. Each person has their complimentary/horror stories to tell, but does anyone have hard data such how they rate with things such as choice of doctors, claims paying, customer service? Both plans pay the same % of benefits, so looking for feedback on overall quality of the provider. Consumer reports 2005 magazine is the only source I've found, but that is nearly three years old. Thanks for help. Your answer may come from asking the doctors you see on a regular basis. They are the ones who deal with these companies in the trenches. They will not be able to tell you specifics about how much either pays, but they may be able to give you some insight as to how quickly each pays their claims, ease of submission of claims and the like. i used to work with at a doctors office so i worked with both insurances. i would say more often i would see people with aetna have better benifits than bcbs. now i sell insurance we sell both aetna and bcbs. almost every independant agent will tell u that aetna offers more coverage for less money. make sure that u know ur benifits well though and that the doctors that u see accept both plans. The Department of Insurance in Illinois will have plenty of information on these two companies such as number of complaints, financial stability, etc., http://www.idfpr.com/DOI/default2.asp. The Blue Cross in your state is a non-profit organization, Aetna is not. The main difference in coverage between plans will be in the pre-determined, negotiated rates between the provider and the insuror, also known as, "allowed amount." As an example, the amount the provider is allowed to charge you for an MRI will most likely be higher with Aetna than with Blue Cross, because Blue Cross will have negotiated a better rate as the largest insuror in Illinois. This is very important because services such as MRI's usually are not covered until the annual deductible is met. You will most likely meet your annual deductible and co-insurance more quickly with Aetna, (because you will be spending more for services where deductible/co-insurance apply.) Another difference will be coverage for preventive care. Blue Cross will not have a dollar limit on annual physicals/gynecological exams/immunizations, and Aetna most likely will cap this benefit at a few hundred dollars or less. There is a reason why the Blue Cross in your state is the largest carrier, and has been for many years. They offer a better product at a lower cost to it's members.

Why do doctors care more about money than patients? -

My wife cannot eat or drink without pain and has been in this condition since October. She has lost 42 pounds. I serve a small church that provides no health insurance. Doctors will not see her without a large payment up front, and then limit what they will do for fear of not getting paid. We have set up payment plans with all of them. It is about to break us financially. What few tests they have run have revealed nothing. They are reluctant to run any more. How does a person get health care with no insurance? I thought doctors were supposed to care for people more than money. i work for a doctor, and honestly, it's not that the doctor doesn't care, its more like we cant give free treatment to anyone because if we do---everyone expects it. its like going to wal-mart and telling the cashier you don't have enough money to buy your groceries. do they let you leave with them anyway? NO! same at the dentist, eye doctor, hospital, gp... its just not an option if we want to stay in business. it's not our fault that not everyone has adequate health benefits. and we're a business, yes we take care of people, but we cant do it for free...there's a lot of overhead in this field. watch JOHN Q...its a really good movie and although heart wrenching---its how the world works... Welcome to the real world that doesn't run on charity.. sorry. Remember though, there is always Medicaid. First of all, let me say I understand and feel for the situation you are in, I have been there myself and it's not fun in the least. I wish I could agree with you about doctors because I feel that medical costs in this country are outrageous. Unfortunately, it's not necessarily the doctors fault, although there are a percentage of bad apples in EVERY industry. However, if one of the members of your church needed $1,000 to help pay for some bills because they just couldn't afford it, you would help them right? Of course you would. But what if ALL of your members needed $1,000. You see where I'm going with this. If a doctor gives you free medical services, then they have to give them to everyone, and unfortunately, we can't expect people to help us while hurting themselves. If you can't afford insurance, get on Medicaid or Medicare, those coverages are usually backdated so may cover some of the bills you have already incurred and then doctors will be willing to run ANY tests that are needed. Good luck to you! Unfortunately, you are largely correct. The medical industry is run via legal and accounting considerations, not medical ones. How long can ANY business stay in business, if they work for free? OK, you're a church. You're a business centered around charity. But when was the last time you got a free burger from McDonalds? Doctors have workers comp insurance, malpractice insurance, office expenses like rent, salaries for the nurses, electric bills, (hey, those tests cost THEM money, and the cost of the equipment is astronomical!), taxes, and six figure student loans they have to pay. There are a LOT of expenses to being a doctor. Regarding the health care - see if there's a charity hospital in your area, or start asking around your church to see if anyone knows a doctor that does charity work. It will be REAL charity, as the doctor who treats you for free, will ALSO be paying out of pocket for your testing, which could easily end up costing them tens of thousands of dollars.

I just baught a fixer upper and need home insurance? -

Does anyone know any good insurance company for fixer uppers? The home need alot of work and I need insurance on it. Thanks If it needs a lot of work, you're probably looking at either your state FAIR plan (ask your agent) or Foremost insurance - www.foremost.com. what are you using the home for? are you living in it? if so you need a homeowners policy. is it vacant and you are renovating to sell? if so, you need to write a vacant dwelling policy. is it being rented out? if so you need a landlord policy. call a local independent agent, let them know what the situation is, and htey can find you exactly what you need. Homeowner policies are individual, depending on what you need exactly. And they must all comply with federal regulations, regardless of what company you go with. That being said, here is a resource you may want to check out: http://www.newcreationtechnologies.com/s... Or you may consider getting real estate insurance. It might work better if you are fixing up the home to flip it or rent it out. You can find that through this link: (use the drop down menu on the quote type) http://www.newcreationtechnologies.com/s... Good luck with your house! Call an independent insurance agent that handles homeowners' insurance. It depends on the extent of the repairs you are doing and where you live currently. If the repairs are mostly cosmetic and you are planning to live in the home, you should be able to find an insurer, although due to the condition of the home the rates may be substantial. If the repairs are mostly cosmetic and no one is going to live in the home, then you will need a Vacant Dwelling policy. If the repairs involve some minor or major demolition work (i.e. removing drywalls, redoing subfloors, structural work, etc.) you will need a Course of Construction policy. Speak to a local agent/broker to better discuss which type of policy will best fit your needs. Why not let an insurance broker do the shopping for you? A broker works with several companies and can find the best rates and coverage. To find a broker, log on to a website like http://www.homeownerswiz.com and fill out a form requesting a free quote. Your information will be sent to a broker in your area who will contact you. Good luck!

House Burned really bad.? -

My house caught on fire recently. Will my insurance company cover the damages or how does this work? Thanks Unless you set the fire, your insurance should pay, subject to policy terms and conditions. YOu should be discussing this with your agent. unless it was intentional. they should also pay for any added expenses due to loss of use of the home. if you have to stay ion a hotel, eat out, even board your dog untilt he home is repaired, if it is unlivable. If you meant to set it on fire: NO If if happened by accident: MAYBE Sorry to hear about your house, is it a complete loss? what type of insurance do you have. I'm going to guess homeowners insurance and yes it should cover the damages if its not set by arson or was an actually attempt to burn down your house. well it should unless you meant to cause the fire sorry to hear that by the way You will need to work with your insurance agent to determine what the actual cost to repair the house is. Don't forget things like hotel rooms, phone bills, damaged art work, etc. Also, get an independent contractor to give you an estimate on what it will cost for him to do the repairs - he may find that the plumbing and wiring in that section also need to be replaced do the heat/fire damage. Although most insurance companies are very good about coming close to the actual cost of repairs, some will try to low ball you (this is why you get your own estimate) and you may end up having to get an attorney or go into arbitration - depending on the terms of your policy. I friend of mine's insurance company only wanted to give her $80,000 when the cost of the repairs was $240,000. This is only one instance, as I said most insurance companies do a good job. Yes of course your insurance will cover it providing you have real good insurance. They will probably put you up in a hotel while your home is either being renovated or while you are looking for a new place to live. Good Luck on being reimbursed for all your household items....that may be a tough one whether insurance will cover or not depends on the cause of the fire. as a general rule accidental fire is covered. the first thing to do is to lodge a claim with the insurance company.

What legitimate insurance companies charge monthly premiums based on your individual health and wellness? -

I am a 23-year-old female in good health, 110 pounds. I exercise regularly, eat healthy, work from home, don't smoke, drink or do drugs. I have no health problems and just received notification that my Blue Cross Blue Shield monthly premium would be going up to $172.00/month. This is ridiculous! Does anyone know what insurance companies out there charge your monthly premium based on your individual health status? I have seen commercials for these, but usually don't pay attention, because I don't want a bogus plan... nor do I want a discount program. Anyone know a well-known company that is legit? Wow, if you're looking to beat $172 a month, you're going to be hard pressed. I mean, you can cut your premium in half, if you're willing to take a $5,000 deductible per calendar year, but that's about it. ALL companies rate you based on your health, wellness, and age. You're getting damn good rates right now. The only way to get cheaper rates is to cut your coverage, increase your deductible, or get a "scam plan". I recommend you always buy LOCAL. Shop through a local agent who can get you quotes with a variety of legitimate, A rated carriers, and who can help you compare and contrast coverages. But what you're looking for, I think, isn't out there - just like that brand new Cadillac fresh off the lot, for $25. I think what's available can depend upon the state you live in, but I'm in NC and have Golden Rule insurance through United Healthcare (I hadn't heard of them but my fiance works for Home Depot and it's the same insurance co they have benefits through). So I got a personal policy, my deductible's not that high and I only pay $111 a month and so far I haven't had any issues, since I've only gone to the doctor once since I've had it. Also, fyi I am 24, female and in good health. I don't know where you are getting 172.......I pay 825 per month with blue cross....................I am healthy.................... I started paying my own ten years ago, then it was 250 per month...................................... Your employer is paying the balance.......see human resources..........there are no bargains in health insurance,,,I looked............. Congratulations! You are in excellent health, which is rare today in this world. Two questions: Did they tell you exactly why they were increasing your premiums? Did they say exactly that it was because of your health status? Chances are, it's because like everything else, prices go up due to inflation. The rate of inflation works out to be roughly around 4% per year. So, chances are, the higher premium rate is because of inflation. Also, rates go up when you enter a higher age range. There are particular ranges, and it looks like you entered it when you turned 23. Sorry...that's the way it goes. However, if you want to find another company, here are a couple of resources that you can use to find better rates. http://www.newcreationtechnologies.com/s... http://www.newcreationtechnologies.com/s... Hope this works out for you! Oh how I long for the days of !72/month.. a cancer survivor can't get individual insurance for 10yrs after.. though they can thru group insurance. The best thing for you to do is to get health insurance thru work. The employer typically pays a good chunk of the insurance as a benefit to the worker, and it will usually run under $175 month.. it varies a lot with the employer and not all will offer it.

How many years total does it take to become a Lawyer in New York? -

What type? There's divorce, immigration, trial, etc. First you have to study THEN pass the bar so it take up to the point of person passing it. The norm is usually 7 years after high school. (4-year college degree, 3 years of law school) You might have better luck if you list under the proper category.

Which Policy is Better? HDFC Unit Linked Endowment OR LIC's Profit Plus? -

Both are not as both are ULIP. I dont like ULIP due to charges. Most of the people realise negetives of ULIP only after they opt for it. If you want investment, go for Mutual Fund. If you want insurance , go for term insurance. Mixing insurance investment is a loss for you profit for insurance agent The only way to go for ULIP is to take Single premium retirement plan(with minimum allowed premium) that allow unlimited topup. Also LIC is not a good fund manager . Persons like pnkmurthy are just LIC agents on this site just want sell of ULIPs. Please visit the following link to find the benefits for LIC's profit plus and compare with any other ULIPs and decide yourself. If you decide to take LIC's Profit Plus, you can seek my service good luck pnkmurthy@yahoo.com http://www.geocities.com/pnkmurthy/lic.h... Hi As per current issue of Outlook Money ( insurance spl ), Metlife's ULIP is no. 1 in this category. Check it out i think LIC's Profit Plus is better than any other policy. lic HDFC Because any private company is government of board of directors to make the company run in profit, where as LIC is owned by government, and hence nobody is responsible for making profit or loss, and usually its headed by a minister who could be an thumb impression minister, now u think which will give u more profit and stability if you are comparing between two then lic's profit plus is definitely better Due to falling interest rates-if it is more beneficial to policy holder-it would be abruptly wound-up instantly. Remember UTI's CGGF Rajalakshmi schemes. Be cautious.

Which medicare advantage plan is best in Marion County Florida ? -

We are dropping our supplement because of the cost. Go to www.medicare.gov and click on: Medicare Health Plans - 2008 Plan Data then go to : Learn More About Health Plans in Your Area Put in your state then click View Plans It will give you a complete comparison of all plans available in your county. This is a link on the medicare webpage that can help you find out what plans are available in your area and compare them. This includes all types of plans so plug in your info and see what you find. Your specific medical and financial needs are a necessary piece of this puzzle and only you know what those are. http://www.medicare.gov/MPPF/Include/Dat... I am not to hot on advantage plans...have you consider keeping the traditional medicare and obtain a supplemental plan....give it a try , get information on AARP's supplemental plan, in my opinion its the most comprehensive available and provides virtual total coverage...

Can anybody of you provide information about the IRDA exam ? -

Solved Exam Papers Online Solved Previous Years Board Papers Model Papers 2008, Expert Help www.ExtraMarks.com/Exam Insurance Institute of India - Examination - IRDA Subjects for the Agent's Exam Life Branch :(Detailed Syllabus) ... A person taking examination is required to satisfy the requirements of regulations as ... http://www.insuranceinstituteofindia.com... approach your nearby lic branch and you will get all the details about IRDA Exam good luck pnkmurthy@yahoo.com http://www.geocities.com/pnkmurthy/lic.h... you can visit to your nearby any insurance company to get the details of irda exam

Medical Massage? -

Do any of you accept medical insurance for your massages? How does one go about being able to do that? where is the starting point? Do you think it increases your clientele base by being able to accept medical insurance? I want to be able to do this for clients, but I have no idea how to get started. I recommend contacting The Medical Massage Office Associates http://www.tmmo.biz and purchasing their book: "The Medical Massage Office Manual For Insurance Billing 4th Edition; Now being updated to include Form CMS 1500 and NPI information....More Info Than Ever!" "The Insurance Billing Bible, filled with facts, not opinions. " I completed their certification training two years ago and appreciated the full package approach of learning how to offer appropriate techniques, how to work with medical professionals, how to understand coding for prescriptions and billing, and how to play the insurance game. I began billing for insurance six years ago because of the income potential. It has significantly increased my income. I feel more involved as a healthcare provider and I have been able to gain the respect of several physicians because of it. It takes a lot of work and dedication, but it becomes worth it, depending on how well you develop your practice. Your first one or two medical insurance patients could possibly pay for your entire TMMO training and certification. I would pursue this earlier than later if you have a true interest. I don't do it, but I get them. What my therapist does, is, once I have a prescription for the massage, he will give me a print out of the times, and dates, and costs, and findings, and I submit it to my insurance. I think it makes more sense to do this. There are some in town that accept insurance, but most of them find it simply to much paper work to do, and still insure proper pt care. So, .I pay my bill, then send off the list, and get a little bit back from the insurance company. We also have allot of doctors offices doing that. i suggest you get involved with the american medical massage therapy association. they offer full training and certification nationwide, software, support, medical massage liability insurance. Many friensd I met ona site called pubspa have he same opinion with me. They are massage enthusiasts. I met these friends on the site because we have the same interest - masage. We usually talk together. Besides, we share blogs, videos, music and games.

My house burned and i have no insurance. what do i do? -

I have a rental house. my renters left their dryer on when they left and when they came back a fire had started...which did not burn the house down....but did a lot of damage....lots of smoke......some roof....walls and etc..... I had no insurance. Yeah...tell me how stupid i am... I did have it and let it lapse.... is there anything i can do such as sue the renters....get fha help.........or any other ideas..... A few suggestions--check with the renters to see if they had renters insurance if they did the liability portion of their policy will pay for the damage since they caused the fire by leaving a dryer on. If they did not have renters insurance, unless you know for a fact that they have means (money in the bank, make a very good income, etc.) it would probably be a waste of time for you to sue them. You can do it and they will probably be found liable but you will then have to actually collect the amount either through obtaining their assets and or garnishment of wages--read long and drawn out! If you have been without insurance for a few months and you have a mortgage, I would call the mortgage company and find out if they had forced placed coverage on your property. Forced placed coverage just means that the mortgage company has the option under the terms of your mortgage to purchase a policy that covers the home (usually only up to the amount of their mortgage) for basic coverage such as a fire. The only other alternative is to refinance or take out an equity line to repair the home. If none of these suggestions work, then I am very sorry but you just purchased one of the hardest lessons you will ever learn. Unfortunately you will also have a very hard time purchasing a policy since you have had an uninsured loss. Good Luck I would love to know in which state allows homeowners to have rental property without insurance??? This doesn't sound right. Basically if you have no insurance, you are screwed. If your renters had an insurance policy, you can go through that. if they did not, then you will have to sue them to get paid. even if you sue them, if they don't have any assets, you're probably never gonna see your money. sorry....lesson learned on the insurance First, get a box of tissue and cry your eyes out. Then consider your legal options. Your tenants ARE responsible for the damages caused by their carelessness, and you can sue them for such damages. Whether they have sufficient assets against which to collect is an entirely different situation. Another possibility is your mortgage holder, if you have a mortgage. Most lenders will require insurance from you to protect their collateral, and will 'force place' insurance if you let your own insurance lapse. Check out that avenue as well. Also check to see if the tenant possibly held renter's insurance. If they did, you can sue the tenant and their insurance will kick in. Beyond those possibilities, you can revert to the box of tissues again. your screwed You can try to sue the renters. You're on the hooker unless you can sue the renters and collect something - probably a longshort. The FHA etc. is not going to help you for your own negligence. Sure you can sue the renters, if you think they did it on purpose. Likely, a judge isn't going to hold them responsible, but they might. Of course, you'll have to pay the lawyer out of pocket, and even if you get a judgement, you're not very likely to get any MONEY out of it - tenants usually don't have any assets, ya know? No other ideas, sorry. You're self insured. Looks like you'll be doing the work yourself on weekends. OR, giving free rent to a handyman for six month while he fixes it up himself. why sue them????? you are the stupid one who didn't have insurance. why make someone else pay for your mistake??? yes that was dumb to leave the dryer running but even more dumb to let the insurance lapse..

Find the probability that a life aged 25 years survive 5 years. (I30=96500, I25=100000)? -

insurance Why? It's a dull question, but I bet the answer is over 98%. Let's reverse engineer the actuaries. The premium on a 5-year term life insurance policy for $1M (25 yr old male, really good health) is about $1500 total premium for the five years. So, $1500/$1 Million = 0.15% of policies would have to result in death for the insurance companies to break even on claims. Factor in the Insurance companies profit, selling costs, time value of money, profit on their investments, and commissions, and the real number is probably somewhere around 0.07% to 0.13%. If it were much higher, the insurance companies would have to charge more money. If it were much lower, the competition in the insurance market would lead to lower prices. This math isn't perfect, but it should get you in the ballpark. You can use similar calculations for you specifically if you get a life insurance quote. -->Adam Sounds like an interesting actuarial science problem. Possibly in a statistics class. It will be very useful to you to solve this problem. Great learning experience.

What advantage does LIC's Market Plus "without life cover" have over a mutual fund? -

I took LIC's Market Plus without life cover last year. Since this policy is without life cover, isn't it like a mutual fund? If it is like a mutual fund, why do they have so high premium allocation charge of 16.5%? Since, I am just 23 years old, I don't want to continue it for 20 years. So, if I surrender it after 3 years, I will be at loss, right? What is the best way to get out this policy with as little loss as possible? LIC market plus is a ULIP. ULIP is not an intelligent investment as there is lot of initial charge in form of premium allocation charge These are also not good in term less then 10 year. It is like a mutual fund but mutual fund dont have these much charges If it is without insurance , I suppose it may be a retirement plan. You should think about retirement from now (yes at age of 23 years) as there is no pension scheme in jobs. If you want to surrender it, read the policy document about surrender charges surrender it when market peaks after 3 years. I always feel that insurance is sold in india as investment person opting for it ignore the charges associated with it. I am big fan of mutual funds only due to charges associated in ULIPs first of all no mutual fund charges 16.5 %, the highest entry charge is 2.5 %. Market Plus without life cover is no good at all. If you want to invest only for three year i would suggest you invest in ELSS mutual funds which have a lock in period three years only and the normal appreciaitons in three years is about 80 to 100 %. lic market plus cannot give u this kind of profit. go for hdfc tax saver or birla tax saver. It is always advisable to seek information before investing, but you had already invested. You could have chosen as single premium policy and the charges are 3.3% and for top ups only 2.5 please visit the following link http://www.licindia.com/market_plus.html I suggest you to pay atleast for 3 years and surrender it when the market would be on its peak to get higer benefits. good luck pnkmurthy@yahoo.com http://www.geocities.com/pnkmurthy/lic.h...

Health insurance? -

I'm trying to get health insurance for my local buddhist temple, there are 10 monks residing there. Is it possible to get them group insurance or small business insurance? I already know they can get individual but they want look at all possible options to save some money. They just want to pay a reasonable copay when they visit the doctor and when getting prescriptions. Thanks for any help. You can't do this on your own or over the internet. You will need to visit a local independent agent that works with group insurance. This person knows the market in your area and can get quotes from many different companies, plus they do not charge you anything for the service. I've found some good information here too... http://insurance.deal4-you.com Hope it all works out Hmmm...aren't they supposed to be creating their world with their thoughts? What about thinking about health?...Well, maybe to hard to think of that... Anyways you could call Blue Cross/ Blue Shield or Aetna and see what individual or group policies might be having open enrollment to individuals... Your group might qualify for being a professional association. In that case, you may need to have a group sponsor. A sponsor is the master policy owner, who would be responsible for paying the majority of the premium, with the others contributing to pay the rest. For best results, talk with a licensed insurance agent in your area about how to qualify for group insurance, and what is available for your group. Get started with this resource: http://www.newcreationtechnologies.com/s... Good luck! As you probably know, health insurance is regulated at the state level, even for national insurance providers. I've helped insure a temple in my state and have access to information for a few other states. Could you give us the state in which the temple is located? With that information, I might be able to be more helpful. I've had success working with an broker who is comfortable working with non-profits. In my community, there aren't many such brokers and I had to call around quite a bit before I found someone -- and she turned out to be awesome. Is "monk" a profession? If there's one employer, like a church, and they all work there, it's possible they might get a small group policy - but the rate will be based on their ages and health, not to mention the turnover. Keep in mind, group rates are RARELY cheaper than individual rates. It only SEEMS cheaper, because the employer picks up a chunk of the tab. In any case, you need to discuss this with a local, independent agent. THEY can give you the options. Speak with a health insurance broker. A broker works with several insurers and can find the best plan, rates and coverage for the monks. To find a broker, log on to a website like http://www.healthinsurancewiz.com and fill out a form requesting a free quote. Your information will be sent to a broker in your area who will contact you.

If I went to get life insurance today and a truck hit me tomorrow, would they pay? -

Is there some (for lack of better terms) deadband, like with rewriting your will, or buying an extended warrentee for your car? Or would the spouse collect even if the ink was still wet? If there are a lot of different ones, which ones would have the shortest delay after signing. Don't get preachy on me or anything, I'm just a Gen X'er and I don't like taking risks or waiting for anything. With most life insurance companies upon signing the application and submitting the initial required premium you are issued a "conditional receipt" meaning that you are covered even though the ink is wet "if" you would have been approved anyway. In other words if you had recently been diagnosed with late stage cancer and failed to disclose this on the application, they would have discovered this during their normal underwriting process and your policy would have been declined--therefore if you had a fatal accident prior to completion of the underwriting, the claim for benefits from your family will be denied and all premium amounts paid will be refunded to your estate. If you were to be involved in a fatal accident and your policy would have otherwise been issued (you have no health, mental impairments or other lifestyle issues that would have resulted in the policy being declined), then the insurance company has to pay your beneficiary under the provisions of the conditional receipt. Basically if you die during the period prior to issuance delivery of your policy, the insurance company will do an exhaustive investigation prior to paying the claim. As an agent for the insurance company even after the initial underwriting has been completed and the policy issued, I am charged with delivering that policy to you and ascertaining during delivery that there has not been a material change in your situation, i.e. if I call your house to set up an appointment with you for delivery and I discover that you are in the hospital after just having suffered a heart attack, I am not supposed to deliver that policy to you but confer with the insurance company and at that point they can withdraw their offer of coverage. In addition to these provisions the first two years after the policy has been issued, the insurance company can still deny payment of a claim, i.e. if you commit suicide for the first two years or if you made a material misrepresentation on the application (i.e. you had not yet been diagnosed with end stage cancer but you had all the symptoms and you knew you were ill at the time of the application). If the insurance company denies the claim, they do have to return all the premium you paid during that period to your estate. After two years the policy becomes incontestable no matter how or why you die, even if you had cancer and failed to disclose it or committed suicide so as long as the policy is in force the insurance company has to pay the face amount to your beneficiary. The only exception would be if your beneficiary murdered you then the policy would be paid to your contingent beneficiary if you named one or to your estate if you did not name a contingent beneficiary. BTW if you do have a medical condition (declared on the application) such as cancer even if has been in remission for the past 3 years, the agent is not allowed to collect a premium or issue a conditional receipt. Under this type of scenario the application is submitted to the company and they will underwrite and decide if they want to make you an offer of coverage, rates, etc. Coverage then would begin only if you accept their offer and pay the initial premium. Or the insurance company can decline to write the policy and you can submit an application to another company that deals with higher risk cases. Good Luck Yes, the insurance would pay out, assuming that you didn't commit suicide by intentionally running out in front of said truck. Of course, the truck would also have to kill you for anyone to collect. Actually, you can decide to have life insurance today, and have it in place today - If you want it. You don't have to wait, and you don't have to take any risks. There are life insurance offers online that provide you with Instant Approval for term life insurance with no medical exam. That means your full-coverage may begin starting today, if you qualify. You answer a few simple health-related questions and they let you know within minutes if you qualify for coverage. Then if you qualify, you can pay your first month's premium online using your credit card. In fact, you may be able to start your life insurance coverage today. The coverage is offered through an insurance company rated "A+" by AM Best for financial strength, and there is a 30 day free-look period, that works like a money-back guarantee. To learn more and get started right now, visit http://www.term-life-online.com/apply-fo... I hope that helps! Bets of luck. If you are healthy, you may be able to start your coverage today. the second you hand them the money and signed the papers your covered If you saw an agent, signed the paperwork, paid the premium-usually one month, and the agent issued you a Conditional Receipt; then, yes you would be covered in the above referrenced idea. You want to look for a company that is well rated by Moody's, Standard and Poors, A MBest. This makes sure that the company can pay if there were a lot of people who died. Make sure the agent also looks at your complete financial life to be sure you have the correct coverage and for the correct length of time. You may not even need insurance, the agent will be able to reccomend the best for you if he/she has completed a full financial check up for you Yes. And it has happened. The thinking is,who would be able to forsesee they would be run over by a truck?? the life insurance company would find a way of not paying out. well from what i understand is that you are covered from the policy start date if that was to be today then yes you would be covered. just be careful when crossing the highway Babs. Life insurance isn't like car insurance. You can't "decide" to get it today, and have it in place tomorrow. It can take up to a month or longer, to get the coverage in force. Once coverage goes into effect, it's in effect. Sorry, some things you HAVE to wait for. It's not a "mandated" waiting period - first you fill out the application, then they schedule the paramed exam, then you have the exam and wait for the test results to come back, then the insurance company looks at the test results and either gives you rates, or declines to write you, or asks to contact your doctor for further information. Then you get the opportunity to write the check. When you get the life insurance, ask the agent when it becomes effective. ps. if you're planning an "accident" you blew it when you put your question on here

I am starting a resurfacing (reglazing) business in AR, what types of insurance should I obtain? -

I am starting the business with one office worker and myself doing the resurfacing. You need to sit down with a local, independent agent. Likely he's going to recommend several policies - workers compensation for sure, general liability, commercial property coverage including an equipment floater, and commercial auto coverage. Eric I would ask the Better Business Bureau in your area, they could tell you what you would need for the area that you would be working in. Best Of Luck

Want to be an car insurance agent? -

I am from WA state and I want to get car insurance agent license because I want to work on a insurance related school project. If you don't plan on selling insurance, you don't need a license. Period. Also, a good resource is... http://www.knowledged.info/go.php?link=i... Best of luck to you. One question that must be asked: Why would you need to get an insurance license to work on an insurance related school project? It takes a lot of time and study to get ready to take the test, and it costs quite a bit to go through an approved class(es). (Time: At least 30-45 hours...) If you want to work in the industry, that's a whole other ball game. Check with your state's requirements and research for schools. Prosource has a good program... OK, go to the state insurance department website, and find out what you need to do to take the test. You have to be at least 18, you have to pay a fee, and pass a test.

Which LIC policy gives good returns? -

ULIP always gives you good returns

Help finding a car insurance quote? -

I'm doing a project for my economics class where I have to pretend to be a 22 year old living on my own and make a monthly budget for myself. I have to find a car insurance and health insurance quote, but everywhere I search asks for personal information and has to search through my records and credit to give me the right quote. I'm only 17 so they wouldn't find anything on me. I need it for a 22 year old making 27,000 a year. Please help me! 10 points to the best answer :) Call your parents insurance agent. Tell him or her that you are working on a class project. I'm sure that they would be happy to give you a pretty accurate estimate of the cost of auto and health insurance for a 22 year old. You could go to your parents, and ask them to assist you on this project...you could type in information as if you were a 22 year old....you could talk with your teacher...there are a number of options you can do with this. The question you need to ask yourself is: What would I feel comfortable with doing? If cheating is the answer for you, then go ahead and put in false information. However, if you want to go the honest route, talking with your parents, or their agent, is the best bet. If you go the route of typing in false information, here is a resource you can use: http://www.newcreationtechnologies.com/s... Good luck! You'll have to throw yourself on the mercy of your parent's insurance agent. See, NO ONE can give you a real quote, without a credit check. OBVIOUSLY, you're not going to be able to fake your age. You MIGHT want to point that out to your teacher - times have changed, and this project can't be accurately done, at your age. So, if you want to cheat a bit, use a 1990 Toyota Camry, with just liability coverage, and budget $1800 a year for it. If you need FULL coverage, for a new car that you have a loan on, it's going to be $6,000 or even more, depending on the car.

Neighbor's tree fell on my house? -

I recently had to file a claim about two months ago. This past weekend a tree fell on my house. Not sure where the property line is, but I think it's the neighbor's tree. Do I file another claim, or pay out of pocket. Estimate was around 800. Deductible is 500. If it's neighbors tree, will their insurance cover? I just had a neighbor's tree fall on my car and had to research this. If the tree was obviously dead, technically "to the point that a reasonable and prudent person would remove it" then yes, their homeowner's insurance is responsible for all damages and expenses incurred. If the tree was alive then it is considered an "act of nature" and your homeowner's insurance should still cover it. They may be able to recoup the deductible from your neighbor, but if it's alive then it's not likely. Good luck and sorry to hear it. I know it sucks. This kind of accident is usually considered an 'act of God' unless you can prove gross negligence on the part of your neighbor, so the claim would go against your homeowner company. I would not recommend filing a claim to only gain $300, especially considering you already have a claim on your record. I hate that part of the insurance business, some carriers (most actually) have a 'use it and lose it' mentality and will nonrenew your policy due to having claims. Even though the tree belongs to your neighbor unless you can prove that the tree was dead and an obvious hazard prior to the fall you will not be able to file a successful claim against your neighbor or his insurance company. In terms of filing a claim with your homeowners insurance policy, if the tree fell as a result of a severe weather event that caused damage to a wide swath of properties, i.e. a catastrophe situation would be the only way I would consider filing the claim. Catastrophe claims (also known as cat claims in the industry) are not counted against you in terms of the number of claims paid out. If many properties were damaged as a result of a windstorm double check with your agent (not the insurance company) and ask him/her if the event has been labeled a cat loss before you file a claim. All other types of claims are counted against you by most companies if they occur within the last 36 months. The average homeowner has one claim in a 17 year period so if you have two claims within 3 years you will be labeled a poor risk and will probably be cancelled or non-renewed for cause. The problem then becomes that you will be considered a poor risk to all other carriers and you will end up having to obtain insurance via your state FAIR Plan (a quasi-governmental insurance company plan to maintain insurance for sub-standard properties) Lloyds of London or another substandard insurance company that specializes in this type of risk. The policy you can obtain through these markets are at a much higher cost and also offer very limited coverage. You will be subjected to this sub-standard pricing/market for 3 years from the date of your last loss. Basically to get $300 you will end up paying at least 10 times more over the span of 3 years. I would not file this claim! Good Luck First go speak with your neigbor and find out where the property line is. Your neighbor may know. If the tree is on your neighbors property- here's how it works - if the tree is dead/dying - the the point that a reasonably prudent person could look at the tree and say "that tree is dead or dying" then the neighbors insurance will pay for the damage. If the tree is a healthy tree - then the neighbors policy will not pay for it. If the tree is on your property - then your homeowners will pay to remove the tree from the house and repair the damage (less you deductible). It does not matter if the tree is dead/dying for your policy to pay. You file a claim. How much damage did it do to your house? It's not going to be the neighbor's fault, unless they were in the process of cutting it down and helped it fall. Otherwise, just like their leaves that land in your yard, it's your responsibility. So it doesn't matter who's tree it is. Their insurance won't pay to rake up leaves, or pick up tree branches, or even trees, that land in your yard, or on your house. The ONLY way it could pay, is if they caused the damage deliberately. Which isn't the case, I'm guessing. I'm a bit confused . . how you can have damage to your house, that low?? In any case, NO WAY would I file a $300 claim. Because of that, I have a $1,000 deductible on my policy. It will save you HEAPS of money, going from the $500 to $1,000. You need to find out whose tree it is first, then proceed from there. If it's his tree, his insurance should cover it.

Best short term health insurance for family? -

I am being forced to resign my position as an R.N because they won't accommadate my hours with daycare (even though my manager said they would accomadate me so I wouldn't quit) I am a single mom and have no family here, plus the dad bailed when I was 6 1/2 mos preggo. Anyway, I have applied for a few other jobs and I am waiting to hear back. In the meantime, I have to give my notice soon, (they won't wait until i find another job) and my benefits will run out at the end of Jan. If I need to buy seperate health insurance, what would be my best option? I'm more concerned for my 9 week old son if anything. Even though he is healthy, I need for him to have some coverage. you might look for an agent with Golden Rule or Assurant. They both have some pretty competitive short-term health policies... Now...about your job...do you have a NurseFinders in your area? My son is an RN, BSN that was in patient care (ICU Trauma) for several years but left patient care a few years back and is running a NurseFinders office. Since they ARE a "national" franchise, you might call one of their offices and complete an application on-line (www.nursefinders.com) . It's all contract PRN but the pay is pretty good! Good luck and I hope this helps! You can file for cobra under your existing policy that is good for 18 months... or .. you can buy short term insurance thru Assurant or Celtic to name a few.. or.... You can purchase insurance coverage for your son on his own policy for less than 100 bucks. You probably will find a job first. Have you tried contacting AMN Healthcare or another “travel nurse” company? They often have placements in your community and they offer insurance: http://www.amnhealthcare.com/Workatamn.a... . Otherwise, I recommend speaking with a health insurance broker. A broker works with several insurers and can find the best plan, rates and coverage for you. To find a broker, log on to a website like http://www.healthinsurancewiz.com and fill out a form requesting a free quote. Your information will be sent to a broker in your area who will contact you.

What are the pros and cons of whole/variable/universal life insurance? -

Wholelife provides a death benefit upon the death no matter when that occurs as long as you pay premiums. It is more expensive than the other forms of insurance. You may receive a dividend that can build up cash value and help pay for premiums in later years. You may also borrow against your policy in later years. The good thing about these types of policies is that as long as you pay you will have a death benefit. Will not lapse. Univirsal life also pays upon the death of the insured as long as you pay premiums. It is less expensive than a wholelife policy. You are paid interest on your excess premiums that can build up cash value and you can borrow against. The interest credited on these types of policies is pretty low currently. Around 4-5%. As long as you have cash value these policies will not lapse. If you don't pay enough in the early years you may have to pay more in later years. Variable life is similar to universal. It is more expensive than universal but less than whole life. The difference with this type of policy is that your excess premiums are invested in sub-accounts that can can be invested how you want. Typically in mutual fund like investmenst that given time could build up substantial cash value that you could use. The problem with these is that if they are not properly funded you could lose your cash value which would cause your policy to lapse if no further premiums were paid. If you dont have much tolerence for watching your cash value go up and down this might not be for you. A type of policy you did not mention is Index Universal Life. This works the same as the other universal life contracts but your cash value is linked to an index such as the SP 500. You are credited with interest when the index goes up but don't lose anything when it goes down. These typically avg. around an 7-8% return and are about the same price as an universal life policy. Most can be purchased with guaranteed death benefit that will pay no matter what happens to your cash value. You can also use the cash value that build up inside the contract. Term is pure insurance. You pick a duration such as 10/20/30 years and pay premium every year. As long as you pay your premium you will have insurance. It is cheaper than all the rest but will never have any cash value. Kinda like renting instead of owning a home. The bad thing with term is that when it runs out you may still need insurance and may not be healthy enough to qualify or it will be very expensive. If you are on a budget I would suggest term ins. If you can afford to pay a little higher premiums I would suggest a permanent policy for part of your ins need and maybe term for the difference. Hope this helps To all those suggesting term. Buy it! The insurance company will love you since its their biggest money maker. Only 3% of term policies ever pay a nickel. Insurance isn't for you its for your loved ones. I would rather leave a legacy than have my term ins. run out when I'm in 60's or 70's just a few years before I die. To all of you term lovers out there, may your family enjoy the $0 you left them because to were to cheap to provide for them! The others are fine answers.. I'll keep it short. Whole life, Universal Life Variable Life is for suckers. Term Insurance only.. Level Premium Term is best. Check your motives. Do you really need insurance? Unless you have minor children, the answer, is no. Whole/Variable/Universal policies are great for the insurance agents. They get people to commit larger sums that are needed to secure life insurance and some form of savings/investment. The key is the internal fees are very high and the return is less than you would get by buying 30 year certain term insurance and investing the balance in good, no load Mutual Funds. I say, support your local insurance agent. There's no reason for you to maximize your earnings. It's better that the agent and their comany get money from you, than have it saved for your retirement. READ READ READ...... There are plenty of articles and books on how to handle your insurance needs without hurting your retirement money, living costs and insurance needs. BTW: Buy insurance even if you don't have children. You need to protect your insurability. I got very sick at age 40. I can no longer buy life insurance. It's a good thing I had purchased low cost 30 year certain term insurance and invested the balance in good, no load Mutual Funds. serubjb has the "rap" down pat. His points sound good. In reality if you follow his suggestions you're hurting yourself and family. THE COMPARISON TO RENTING vs OWNING A HOME IS TOTALLY OFF BASE! It's more like buying a house that has many more rooms than you'll ever need with a high fees (interest, taxes etc.) whose resale value would be less than the correct sized house in 25 years. You left out the only good life insurance: Term life insurance. It is the best and only life insurance you should be getting information on. The rest make the agent rich through commissions. when you buy whole life etc.. you build up a cash value. term insurance is cheaper and better. why? you could invest the monies yourself and probably beat the value you would get in whole life. insurance agents are like stockbrokers, they are commission hounds. Pros: potential for permanent coverage. potential for cash value accumulation. potentially more favorable underwriting. Cons: potential for coverage to disappear unexpectedly (due to complexities). potentially more expensive if you only have a temporary need. potentially higher costs and fees work against cash accumulation goals. I'm trying to keep the list simple. There are many things to consider when making such an importatnt financial decision.

Can we find out which life insurance company our Dad was insurured with if we cant find the paper work? -

It will be much more difficult. A lot of people buy life insurance and then don't tell the beneficiaries about it. You should watch the mail and see if you get some sort of notice. Also look in his bank records and see what insurance company he has been paying. Check with the same agent where his car was insured. Hopefully you will be able to find it. Keep in mind, you are assuming there *is* insurance. Insurance through work. Contact work. Term insurance. Requires premium to be paid within past year (check bank and credit card records.) Whole Life Insurance. Would have been sending statements...including if premiums were being paid out of earnings. Earnings statements go out in January. Paid up policies. (These did exist into the 1960s, but would be fairly rare and worth $5-10K at most.) Go through every piece of paper in the house. Look for any reference to insurance policies. Contact the top 20 issuers with name, addresses, SSN and date of death. If your Dad applied for the insurance in the last 11 years you might try the MIB policy locator service at http://www.mib.com/html/lost-life-insura... The cost is $75. check his bank statements, he has to have been paying premiums from somewhere... that would at least give you a name of the company he has been paying. Ask an insurance company this question. They may be able to point you in the right direction. My gut feeling is that you cannot find the paperwork because he let the policy lapse a long time ago and trashed it all. This is not something a husband and a father would hide from his beneficiaries under normal circumstances, so there may be nothing there at all now.

Can someone help me find out an insurance company by the policy number? I have the policy number!? -

If the insurance was applied for in the last 11 years you might try the MIB policy locator service at http://www.mib.com/html/lost-life-insura... The cost is $75. u might try calling your state insurance department. Start calling the largest insurance companies... but *how* do you have this policy number? How are *YOU* related to this policy? No one is going to talk to you if you don't have those answers. There's a random chance, but it might not work. It won't do you any good, anyway. They have no obligation to take a claim report from anyone except their policyholder.

What website can I find out about getting unemployment benefits? -

How long do I have to work in a year to get unemployment? I live in WI. Usually you have to have worked 12 of the last 15 months. It's not a calendar year, it's rolled back from your date of application. Here's their website: http://swz.salary.com/salarywizard/layou... Try to state's own website. Each state has its own .gov site, and you can usually find what you're looking for going there first. You could try http://wwwy.insurer.com . They have some pretty good stuff there.

I recently switched jobs. How can I? -

I recently switched jobs. I went to orientation at my new job on a Monday. They gave me a form to fill out if I wanted my new health insurance to begin that day (I had the same insurance company at my old job). I called my insurance provider to find out if I was covered through the end of the month from my old job, and they told me I was, so I didn't fill out the form. The next morning, I had to go to the ER. 3 months after this incident, I got a bill from the ER for $100, my ER copay. A month later, I got rebilled for the entire ER visit ($1,000). Turns out I wasn't covered for the rest of the month like the insurance company told me when I called. My old company paid my policy weekly, so my insurance ran out that Sunday. But the cust service person told me I was covered through the end of that month. My new employer can't change my policy start date, my old employer can't legally change my end date, COBRA is not an option since this happened 3 months ago. But I was only billed now! ? You may have done it already but call the insurance company back and ask to speak to a supervisor. Explain to them that you called prior to services being rendered and were told that you'd be covered through the end of the month. It would be helpful if you could remember the date and approximate time you called as well as the name of the rep you spoke to. A lot of companies will reverse a decision like this is you were given bad info by one of their reps prior to the services taking place, the industry term is detrimental reliance. A lot of them also record phone calls so they can check on these kinds of things. They might make you submit a written appeal, just talk to a supervisor to get the specifics. You were told wrong by their rep and you shouldn't have to pay, don't give up. speak to the benefits person at your old company. I spent the last month of my employment at my old company on vacation, and had Sunlife reject my prescription drugs. The former employers HR dept fought the drug company and I eventually got my money. Be prepared to wait a long time. The insurance companies hire people who don't fully understand english to process claims (it helps keep claim ratios low) I have learned from bitter experience that what people "tell" you doesn't mean a thing, right or wrong. Its whats in writing that counts. Yes, you have to appeal the denial in writing. Make sure you state that you did call first, and were advised by them that the coverage was still in effect, and would be until the end of that month. I have seen larger claims than that paid because someone told you that you had coverage. It's unfortunate that you don't have documentation to that fact, but, hindsight IS 20/20. I'd call your OLD company and see what they say. GOod luck!

Personal Liability Insurance? -

Does anybody know of an affordable place to get Personal Liability Insurance? I'm in Florida and my boyfriend needs it before he can start work doing bottom and propeller cleaning. Thanks! =) Personal liabiltiy coverage is not going to cover a business. He needs to get a commercial liability policy (known as a CGL). He will also want to get his equipment covered, because that will likely NOT be covered by his homeowners/renters policy or have very very limited coverage. Call a local independent agent (or 3) to see if they are writing new business. I am sure they would be happy to help him. They will ask him many questions and come up with a policy that is best for him. Have him check coverages because that is what he wants to look at, not necessarily price. Price may look good but you do not want to be caught short if there was a claim. Check with a local insurance agent. Some companies are licensed by your state - some may not be but can still sell insurance within your state. Not all insurance companies are created equal - some have higher ratings and less chances of going out of business - which would be very important should you ever have a claim. So let the agent do the leg work for you. I suggest going to the agent who handles his automobile and home/renters insurance. He should be able to get a discount because he is an existing customer.

EO insurance? -

Any suggestions on where or from what company I can buy affordable EO insurance? I'm in GA with a soon-to-be life and health license. Most have answered your question AS IF you were going to be a PC agent - not life and health! I would start off by contacting your local chapter of the National Assoociation of Insurance and Financial Advisors. This group USED to be the National Association of Life Underwriters. You might contact the National to see where there is a local association. Some of the answers stated THOUSANDS of dollars for E), and in the PC market, they'd be right on - but, there doesn't seem to be that much premium in the life/health arena. I recenlty had a life producer call me for places he could check on HIS EO and when I asked him what he was paying, he told me "Wow....it's up to almost $900 per year now!!" I told him to PAY it and don't waste his time! You might even contact your State PIA (Professional Insurance Agents) association - if your State has its own program, you might find some relatively inexpensive rates ther as well. Good luck and welcome to the business! Merriam Insurance Co. They are out of NY and have very reasonable rates. Good luck- hope this helps!! Insurance agents unfortunately get hit really hard when it comes to EO. I would recommend contacting the Independent Insurance Agents of Georgia. www.iiaba.org is the national site and they can refer you to your local chapter. They can usually help you find a reasonable deal. Affordable is unfortunately a relative term, you may see a certain premium is as much more expensive than I do or vice cersa so it's hard to say what you are talking about. Keep in mind when you purchase EO, you get what you pay for, just like Health and Life insurance. Good luck to you! we have ours thru Assurant Health..... Some of your appointed companies that you will sell for might have a E O deal with certain companies Assuming you want that eo insurance to cover an insurance agency, the best place to go is your local independent agent association www.iiaa.org . It's GOING to start at $2500, with a $5,000 per claim deductible. And no prior acts coverage. That's what it costs. If you're looking for something cheaper, it isn't out there. My eo costs $39 a month, $1million in coverage. It it through Assurity.

California insurance agent icensing question: there are four categories: Life, Fire Casuality, ....? -

Personal Lines, and Bail. What does a Personal Lines Broker-Agent do/sell? I think the Life agent can sell health insurance and life? Fire sounds like fire insurance (duh) but that Personal Lines throws me. Any help? There are really TWO lines - Life accident health, AND, property casualty. A personal lines agent sells house insurance, car insurance, boat other personal type policies. NON BUSINESS insurance, that covers stuff, and if you get sued. Property, and Casualty (which means, liability). personal lines broker agent does auto motorcycle tennants that sort of stuff AUTHORIZING ACT: California State Insurance Code (CIC) Chapter 5, Part 2, Division 1. A personal lines (PL) licensee is a person authorized to transact automobile insurance, residential property insurance, including earthquake and flood insurance, personal watercraft insurance and umbrella or excess liability insurance providing coverage when written over one or more underlying automobile or residential property insurance policies, and a personal lines broker-agent license is a license so to act (CIC Section 1625.5). CA is a little different - as they have: BROKERS (typically represent the CONSUMER and can charge large brokerage fees, and usually do NOT have binding authority with their companies) and AGENTS (that are supposed to represent the COMPANY, are not SUPPOSED to charge broker fees, and can bind coverage with the companies that they represent.) A personal lines agent/broker normally sells coverages for personal automobiles/trucks, motorcycles, boats/yachts, homeowner/renter policies and the like. CA is also talking about introducing an AUTO ONLY license. Typically the Personal Lines agent/broker cannot sell any type of commercial exposure policy. I have even heard the license referred to as "license LITE!" For more licensing info, you might contact the The Alliance of Insurance Agents and Brokers (866) 497-9222 or the Latin American Agents Alliance (626) 444-0999 - you could also contact your Department of Insurance but the first two would be MY preference! Good luck and I hope this helps! Good luck and I hope this helps!

Where to get the cheapest car insurance? -

girlfriend is unable to be covered in my insurance from work, sshes a new driver and is looking for where to get the lowest quote, any ideas? As the previous person stated, there is no one quote that will work for everyone. Various factors contribute to how much she ends up paying for auto insurance. Things such as: age, driving record, etc. That being said, there are differences between companies, which means doing some shopping around. You can get instant quotes online so that you can compare and contrast prices to find which will be the lowest for your girlfriend. Check out the list below to start your comparison shopping. you have to do a lot of talking to multiple agents to find the best deal. Beware that some cheap quotes may not have as much coverage as the pricier quotes. When I bought my first car, the cheapest option for me was to insure with GM's insurance company. When my wife got her licence, we set her up as a secondary on my policy for a year then bought a car. She was able to then get a better rate since she had 12 months of converage without an accident. AAA and 21st Century are the cheapest. You should contact an insurance broker and help you shop for insurance. There's no one size fits all cheapest, just like there's no one size fits all pair of jeans. There's no short cut to shopping around. A company that's cheapest for me, might be most expensive for her - or somewhere in between. She's going to have to call a couple local, independent agents, to let them get her a total of 10 quotes or so. Then she'll know who's cheapest for HER. Typically, insurance rates will vary from State to State and can even vary by ZIPCODE! It also will depend on the type of car/truck, coverages, limits of liability, and driving record. Some companies run credit score es and MOST run a motor vehicle report and CLUE (Comprehensive Loss Underwriting Exchange) report to see about undisclosed accident involvement. The best thing to do is call a LOCAL independent agent. Don't go across town, or to some other city - look for someone CLOSE. Just look in the phone book for the PIA or Big I (Trusted Choice) logos and you will find a professional licensed agent that will be able to help you solve your insurance problems, and give you rate comparisons of several different companies. An independent insurance agent will normally have a dozen different companies and if he cannot help you, he should be networked with other local agents that can. Most of the replies on this site say "go to this on-line carrier or that on-line carrier or that 1-800 number" but I'm sure that when you do, you will find some impersonal computer user with a script to work from and you won't be able to talk with the same person every time you have a problem! Good luck, drive RESPONSIBLY and I hope this helps! This is a pretty broad questions. I would suggest researching online for auto insurance. Many companies now days have online quoting where you can answer a few questions and get a quote within a few moments. Good luck

How does my Canadian health insurance and dental cards work? -

I live in Ontario and I got the first permanent job in my life, so I finally have benefits for once, but I don't know how to use my health insurance and dental insurance. Do I have to pay up front then get compensated later, or will the insurance be able to immediately take care of the cost of trips to the dentist or doctor? I'm hoping the cost can be taken care of right away because I can't afford to pay for expensive visits to the dentis up front, even if I will get the money back later. How much does the average dental check up cost in Canada because I haven't been to one since I was a teenager? I need new glasses, so would this be covered under my insurance too? Thanks for any info, preferably from fellow Canadians. Its going to depend. My employer and my wife's employer both use the same company. However the policies both companies have are different with regards to payouts. Trips to the doctor should be covered by OHIP. Most plans will not cover optometrist visits. For the dentist give your card to their admin, they can figure it out. My policy pays for their portiion of the coverage right away and I only have to pay for the remainder on the spot. My wife's plan she has to pay 100% at the dentist, but the covered amount is direct deposited to her bank in 1-2 business days. Most dentists take credit cards now. Check your plan formulary for eyeglass coverage. My plan has $0 coverage and my wife's is $200 every two years. (You'd think a tech company would have eyeglass coverage since 80% of the staffing complement is nerds) The dentist is going to try and get you to do a full set of xrays and possibly two cleanings if you don't regularly floss (there might be a lot of build up). You might be looking at $300 in the Toronto area.

Will Condo Board take care of Insurance? -

I am subletting my condo and would like to find out if there is a possible fire. I do have a condo owner's insurance, but it seems to cover only personal belongings. What happens if there is a fire and the condo is damaged? Will the condo board take care of the damages and rebuild? When you own a condo usually the association has a policy that covers the building itself (outer walls, roof, framing, plumbing, electrical) and the owner is responsible for (and hopefully has their own policy covering) the rest (paint, cabinets, fixtures, etc.) Your condo's bylaws will spell out what the association is responsible to insure, but state laws (which have often changed to move more of the responsibility from the association to the unitowner) and different insurers can make that broader or more narrow. Your own individual condo unitowners policy should cover the parts of the building that you are responsible to insure (building coverage, or additions and alterations) and your contents (plus other coverages like Personal Liability). Most unitowner policies have very small limits for building coverage (usually under $10000), so you have to increase that coverage to reflect your own rebuilding costs. (Personally, I carry $50,000 because in my community I'd have to even rebuild my staircase!) Because you're going to be renting out your unit you need to: 1. First check if there are any restrictions in your bylaws about renting out the policy. 2. Check with the insurance company for the association to see what the deductible is. If the total amount of your loss is less than the association's policy deductible it obviously won't pay, even if it is a covered loss. 3. Check with the company that has your individual policy to see if they will endorse the policy to allow you to rent it out, and if they will cover the association's policy's deductible (subject to your own) if there is a fire, etc. (they usually will) . 4. Adjust your own policy to reflect your new needs. For example, if you're moving out all of y our furniture you don't need as much contents (personal property coverage). 5. Increase your liability coverage to at least $300,000. As the owner you can be sued over the actions/negligence of the tenant. So, the bottom line is that generally the association will rebuild for a fire, but unless it is a major fire it's likely going to fall onto your shoulders, so make sure you are properly covered. There are so many variables you need to do your homework first. You should check the condo constitution. Likely you are responsible for fire etc. The lessee will be responsible for content insurance. Check with the board to be certain,not knowing could result in costly consequences. You'd better contact your own condo owner' insurance company to find out what changes you need if converting to a rental. If something happens, the condo association could wind up suing you for damage caused by your tenant. No idea. YOu'll have to check your bylaws - it's going to spell it out there. You're also going to want to check the master policy, to see what their deductible is. That condo unit owners insurance SHOULD have some building coverage to it - usually $1,000 is the standard, minimum amount. YOu might want to increase that to $25,000 or however much, based on what you find out when you read the bylaws.