Insurance question

Bankers life interveiw should I bother? -

2008-08-28T20:29:00.451-07:00

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? -

2008-08-28T20:29:00.450-07:00

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? -

2008-08-28T20:29:00.449-07:00

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!? -

2008-08-28T20:29:00.448-07:00

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? -

2008-08-28T20:29:00.447-07:00

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? -

2008-08-28T20:29:00.446-07:00

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? -

2008-08-28T20:29:00.445-07:00

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? -

2008-08-28T20:29:00.444-07:00

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 .? -

2008-08-28T20:29:00.443-07:00

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? -

2008-08-28T20:29:00.442-07:00

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? -

2008-08-28T20:29:00.441-07:00

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?!? -

2008-08-28T20:29:00.440-07:00

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? -

2008-08-28T20:29:00.439-07:00

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? -

2008-08-28T20:29:00.438-07:00

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? -

2008-08-28T20:29:00.437-07:00

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.? -

2008-08-28T20:29:00.436-07:00

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? -

2008-08-28T20:29:00.435-07:00

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? -

2008-08-28T20:29:00.434-07:00

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? -

2008-08-28T20:29:00.433-07:00

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? -

2008-08-28T20:29:00.432-07:00

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? -

2008-08-28T20:29:00.431-07:00

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.? -

2008-08-28T20:29:00.430-07:00

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? -

2008-08-28T20:29:00.429-07:00

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? -

2008-08-28T20:29:00.428-07:00

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? -

2008-08-28T20:29:00.427-07:00

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 ? -

2008-08-28T20:29:00.426-07:00

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 ? -

2008-08-28T20:29:00.425-07:00

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? -

2008-08-28T20:29:00.424-07:00

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? -

2008-08-28T20:29:00.423-07:00

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)? -

2008-08-28T20:29:00.422-07:00

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? -

2008-08-28T20:29:00.421-07:00

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? -

2008-08-28T20:29:00.420-07:00

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? -

2008-08-28T20:29:00.419-07:00

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? -

2008-08-28T20:29:00.418-07:00

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? -

2008-08-28T20:29:00.417-07:00

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? -

2008-08-28T20:29:00.416-07:00

ULIP always gives you good returns

Help finding a car insurance quote? -

2008-08-28T20:29:00.415-07:00

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? -

2008-08-28T20:29:00.414-07:00

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? -

2008-08-28T20:29:00.413-07:00

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? -

2008-08-28T20:29:00.412-07:00

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? -

2008-08-28T20:29:00.411-07:00

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!? -

2008-08-28T20:29:00.410-07:00

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? -

2008-08-28T20:29:00.409-07:00

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? -

2008-08-28T20:29:00.408-07:00

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? -

2008-08-28T20:29:00.407-07:00

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? -

2008-08-28T20:29:00.406-07:00

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, ....? -

2008-08-28T20:29:00.405-07:00

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? -

2008-08-28T20:29:00.404-07:00

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? -

2008-08-28T20:29:00.403-07:00

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? -

2008-08-28T20:29:00.402-07:00

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.

Injured in an automobile accident 4 years ago and still NO settlement!! HELP!!? -

2008-08-28T20:29:00.401-07:00

Four years ago on Decemeber 17th, I was injured in an automobile accident. My stopped car was hit by a semi-truck hauling pipe and pushed 150 yards up the road. I was lucky. I came out of the accident with nerve damage to my right arm. All my doctors advise no surgery will correct the damage, just to live with what I have been dealt. A bit easier said than done. I was pregnant when I was in my wreck and have since had a (healthy) baby boy. The only good thing out of 4 years of hell. My husband and I have finacially been knocked to our knees. Going from 2 incomes to one. Making ends meet monthly is a sturrugle beyond belief. I have just had a (federal) disability hearing and am waiting for the verdict (hearing that it is almost impossible to get disability at my age). I need help with my auto settlement. I hired a larger firm a few months after the accident. They seem to move at snails pace. Is there anything I can do to speed up the process? My lawyers seem not to care. HELP!! These things can take a long time. The defense attorneys do that on purpose in hopes that you will give up or even die before they have to pay up. Keep on your attorney and even threaten to get a new one if they can't get things moving. get a new lawyer You hired an attorney. The only thing you can do is continue to follow up with your lawyers office. If you have filed suit - the litigation process is slow. You have to go through discovery. Have you been disposed yet? They will also dispose all the doctors who treated you and the other driver. Usually mediation may take place. Most of the claims that I have that are a law suit - take 2-4 years from when the suit being filed before they see the inside of a court room. Suits ain't quick. You are going to be paying your lawyer a huge chunk of your settlement (probably 1/2 + expenses) - make an appointment to sit down with him and ask about the specifics of your case. What do they say? It's not unheard of, but it IS a long time. PLEASE say they filed the suit papers. If they didn't, well, you're probably out of luck, as that statute of limitations is probably expired (read, too late for a suit, which means no settlement). Then you have an EO claim on the lawyer. I'd also suggest that maybe you need a new lawyer. Make sure the new lawyer gives you an estimated time frame for having a court date. It should be less than 6 months. Once there's a court date, then the settlement talks begin. Assuming, of course, that the trucking company had insurance. What state are you in? I don't know how the courts are over there, but in one of the courts in Southern California (Riverside Superior Court), the first hearing date you get is approximately 1 year after the filing of the lawsuit (and that's only a status conference). In California, civil cases are required to be tried no later than FIVE YEARS after the lawsuit is filed (and because of a backlog at that particular court, there are LOTS of cases running up against that deadline). Professional courtesy is always granted (so continuances of depositions are not unique), plus if the defense is the one setting the depositions of your witnesses, they can decide when they want to take it without your attorney's input (usually based upon the convenience of the witnesses). There is nothing you can do to speed up the process. Also, court dates are set at the convenience of the COURT's calendar - not any of the attorneys (at least, the first hearing date) - so there is nothing that your attorneys can do to speed up the first court date UNLESS you meet some type of requirement that allows you to have a "speedy" trial (in CA, you have to be over a certain age and/or have a medical reason [i.e. you're dying soon]). Sorry.

How much do you pay for:car insurance? Home insurance? Furnishing your first apartment? -

2008-08-28T20:29:00.400-07:00

It varies too much from market to Market. I reside in a city of 5 million people, most of them indians and chinese who do not know how to drive in winter conditions. I pay too much to insure my one car. My inlaws in a small remote town, population 10,000 pay less than me to insure 2 cars, 2 snowmobiles, 1 motorcycle, and a boat. Totally irrelevant. What I pay for my insurance has NO bearing on what anyone else might pay. But I can tell you, I furnished my first apartment, dead broke right out of college, for about $200, with yard sales and dumpster dives. Ah, those were the days . . . 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 scorees and MOST run a motor vehicel 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

Does the person that get saved have to pay any type of bills when they get saved by the coast guard? -

2008-08-28T20:29:00.399-07:00

does the coast guard charge anyone? An example is the girl that was air lifted because her apendix burst out at see...will she be billed for the cost of the helicopter and crew, some costs related to operating the aircraft carier, and the expense of the doctors and surgical facilities on the air craft? how do they sort out those expenses? Yes. You can and usually will get billed for emergency rescue services - including airlifts, life flights, ambulance, search rescue, etc. The individual providers just type them up and mail them out! Not for a true emergency. However, if the person was negligent or disobeyed the rules which resulted in the need for rescue, you may get a bill. I know that some of the Search and Rescue teams in Colorado were sending bills to people who intentionally skied/hiked out of bounds and got lost. The small mountain town budgets just couldn't handle the massive amount each rescue cost. The aircraft carrier was at sea anyway, and rescue is part of the Navy and coast Guards job. This person had a burst appendix. That's what doctors do, "they save lives." People have to pay for "negligence." Like ice fishing on thin ice, when told not to, or call in a bogus S.O.S. as a prank. I sure hope not.. That would be so crazy. Your answer is NO. Tax dollars support and pay the services you mentioned above. If doctors and/or procedures were necessary at that time on-board a military ship or station there is no cost to the individual(s). Our military trains daily in the capacities of each job. If anything, these type of operations conducted by our military keep personnel "sharp" in the performance of their duties.

Can an employer pay the premiums of an individual Health Savings account policy? -

2008-08-28T20:29:00.398-07:00

Policy is set up by an employee and they would like the company to pay the premium directly to the insurance company. Saving the company and the individual tax dollars. If allowable, which Insurance companies are allowing the direct company pay? Whatever they do, they have to do the same for ALL EMPLOYEES EQUALLY. I would advise against this - assuming you're the employee. It's NOT IN YOUR BEST INTEREST. If the employer is late making a payment, YOUR POLICY GETS CANCELLED. Never a good idea to let anyone ELSE make your insurance payment, when YOU are the guy who loses out if it's not done. I also can't imagine the employer wants to take on this added responsibility and hassle of something different for each person. Regarding the tax savings. You can't count the savings of a tax dollar twice. If the employee is writing off the expense, then YOU can't. And I think you're talking about two different things here, ONE is a health savings account, the OTHER is a major medical policy. But who knows, you could also be talking about a flexible spending account. Anyway, HSA's and FSA's, you can't use money in there to pay for INSURANCE premium. And if the policy is set up by the employee, the insurer doesn't care WHO pays. And won't give a "grace" period if the payor is late, either. So it's not about "which insurance companies allow the direct company pay". If it's a private policy, they'll take anyone's check. that's not the idea - the savings acct is for the employee to help pay charges not covered by the insurance - you basically save the amount of your tax bracket - the employer doesn't pay your prescription copays at the pharmacy, you do and it's you who gets the tax benefit, not the employer, so why should they put this money into the HSA for you? - it's not allowed - how is the company saving money if they are basically paying your copayments? - This is an employee benefit - it does nothing for the company - they don't don't get to expense any thing and get no tax benefit - it's your money going directly into your HSA and then they reimburse you as you incur uncovered health expenses - your tax able income is reduced. period.

Does anyone know what governmental medical coverage, my dad could get? -

2008-08-28T20:29:00.397-07:00

He was injured and can't work at the time. He's 52. Are there any programs available for him from the government for medical coverage? Yes. Check with your state and Social Security. The state can provide medical insurance through the Medicaid programand possibly food stamps. Social Security can provide SSI, disability, benefits. He could file for disability, but may impact his social security. disabled insurance is available... medicade... or social security disability . Check with the social security office for more help in your state Nope, no one knows. Government medical coverage for someone of 52 - it's either going to be Medicare, IF he's been on social security disability for over two years, or Medicaid, which depends on the household income and his personal assets. That's it.

Can anyone give me insurance companies' website? -

2008-08-28T20:29:00.396-07:00

thank you Yahoo and Google do a great job of that. Just search "insurance companies". Most insurance companies handle more than one type of insurance. An interesting bit of information is that they start out with auto insurance as a way to hook you, and then they sell you other types of insurance. It's the way they work... Anyway, here are some sites where you can get quotes and information on the companies and the types they sell: http://www.newcreationtechnologies.com/s... http://www.newcreationtechnologies.com/s... http://www.newcreationtechnologies.com/s... http://www.newcreationtechnologies.com/s... Hope these help you! Tu en as plusieurs, il faut vraiment magasiner, www.lifeinsurance.com essaye leur site c est complet. Depends on the kind of insurance you need. These sites will put you in touch with insurance brokers who work with several insurance companies and can find the best rates and coverage for you: http://www.lifeinsurancewiz.com http://www.homeownerswiz.com http://www.healthinsurancewiz.com Just 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! depends on what kind of insurance your looking for.... life health auto homeowners ??

Where can I find out insurance rates for US postal services with letters to the UK? -

2008-08-28T20:29:00.395-07:00

Each envelope would contain an item worth around the $30 mark, but as they would be going international I want them to be insured. I can find UPS rates, but not USPS rates for insurance. Look at USPS' website...you may be able to get "insurance" for doing registered mail.... www.usps.com Additional information: http://pe.usps.gov/text/imm/immc3_005.ht... 321 Description Insurance is provided against loss, damage, or rifling for Priority Mail International parcels. Compensation varies according to the fee paid. For parcels delivered to the addressee in damaged condition or with missing contents, payment is made to the addressee unless the addressee waives payment, in writing, in favor of the sender. http://pe.usps.gov/text/imm/immc3_006.ht... 322 Availability Insurance is available only for Priority Mail International parcels and only to certain countries. See Individual Country Listings. Insurance is not available for the Priority Mail International flat-rate envelope. http://pe.usps.gov/text/imm/immc3_007.ht... 323 Fees and Insured Value 323.1 Insurance Fees The insurance fee is in addition to postage and other applicable fees. See Individual Country Listings. 323.2 Insured Value 323.21 Maximum The insured value (insurance coverage) of a parcel may not be more than the maximum allowed for the country of destination. See Individual Country Listings. 323.22 Insured Value vs. Declared Value The insured value (insurance coverage) of a parcel may not be more than the declared value of the contents. However insured value may be less than declared value depending on the wish of the sender. 323.23 Computation The insurance fee is based on the insured value. http://pe.usps.gov/text/imm/immc3_008.ht... 324 Processing Requests 324.1 Mailing Receipt and Insurance Number 324.11 General Use All Priority Mail International parcels must be numbered. PS Form 2976-A, Customs Declaration and Dispatch Note — CP 72, and the cash register receipt issued at the time of mailing will serve as proof of mailing and proof of insurance. Volume mailers may use PS Form 3877, Firm Mailing Book for Accountable Mail, as the sender’s receipt. 324.12 Accepting Clerk’s Responsibility The accepting clerk must: 1. Indicate on PS Form 2976-A the amount for which the parcel is insured. Write the amount in U.S. dollars in ink in the “Insured Amount (U.S.) block.” 2. Convert the U.S. dollar amount to the special drawing right (SDR) value and enter it in the SDR value block. For example: INSURED VALUE $100.00 (U.S.) 68.60 SDR 3. See Exhibit 324.12 for a table showing the conversion of U.S. dollar values up to $600 to SDR equivalents. To determine SDR equivalents above $600, multiply the insured amount, rounded up to the next full dollar, by the conversion factor of 0.6860. Note: Use the following rates when converting between U.S. dollars and special drawing right (SDR) values: $1 U.S. = 0.6860 SDR 1 SDR = $1.46 ($1.4577 U.S.) 4. Write a bold capital “V” in the space provided for the insured number as an indicator that additional insurance was purchased. 5. Indicate special contents for fragile liquid and perishable items. 6. Round stamp PS Form 2976-A in the appropriate place on each copy. 324.13 Sender’s Responsibility The sender should enter name and address of addressee on mailing receipt and retain it. The receipt must be submitted if the sender wishes to make an inquiry about or file a claim for an insured parcel (see chapter 9). 324.2 Marking The sender has the responsibility to do the following: 1. Mark parcels containing fragile or perishable articles with the appropriate endorsement — e.g. “FRAGILE,” “PERISHABLE,” “GLASS,” etc. 2. Enter the insured amount in U.S. currency (figures only) in the appropriate space on the customs declaration. 324.3 Postmarking 1. Postmark item at the time of acceptance showing the full name of the Post Office facility two–letter state abbreviation and ZIP Code if authorized and the date of mailing. 2. Postmark at all breaks (cuts or torn edges) of any gummed–paper strips used in sealing parcels. 324.4 Sealing All insured parcels must be sealed. Basically, do a search on USPS for "insurance" and "international" Hope this helps... And you can't insure an envelope - it has to be some type of parcel... USPS doesn't like to do insurance for items leaving the country. They WILL, if you send it global priority. If you're not mailing global priority, you can't get insurance on international items. There's a whole section on it, on their website. Or, you can go down to your local post office, and ask. Check out their website. Appears to be like Mbrcatz is incorrect by stating that you are only able to get insurance on Global Priority. It is actually included at no charge when you ship it Express Mail? International. That would cost you about $28.00. Delivery time would be about $28.00. The cheaper alternative is to send it Priority Mail? International. Again, insurance is included at no charge up to $650. Rate is approx. $19.00 with a delivery time of 6-10 days. www.usps.gov

Health insurance question? -

2008-08-28T20:29:00.394-07:00

For my OB/GYN, are they a specialist or pcp. When I go to pay, Do I pay the specialist copay or pcp co-pay? They're a specialist. However, many health insurance plans will count them as a PCP visit. You'll have to check with YOUR health plan to see how it works with YOUR PLAN. All plans are different, but my plan doesn't charge any copay for your annual visit. If anything it would probably be a specialist. Check into the Well Woman exam coverage in your plan. You could try to google it ,here is some direct resource might be helpful.http://health-insurance.expert-tip.info/... Most health plans are different. I would think you would pay the specialist copay. You will need to decide that with your insurance. If your OB is your PCP then you have the PCP co-pay. If you have a family doc that is your PCP then you will need to pay the specialist co-pay. Some insurances cover it as a PCP for the fetus. Call the billing department at the OB and ask them to verify your insurance prior to your arrival so that you will know what to expect. Good luck and congrats. It depends on what your insurance company classifies it as. You'll need to contact your plan for a definite answer. I know some plans will have a pcp office visit copay for your yearly and specialist copay if you go to the ob/gyn for anything other than routine checkups.

What happens when an Insurance Company gets down rated? -

2008-08-28T20:29:00.393-07:00

Say an insurance company got down rated from an Admitted A-7 in best rated guide to a B++ Well, from the customer's point of view - nothing. But the AGENT should start getting a bit antsy about it, and monitor the situation. Once a carrier's rating drops low enough - usually below a b+ - the agent's errors and ommissions coverage won't cover any claims for policies placed with that carrier. If you're acting as your OWN agent, well, ya get what you pay for!! That means they are less liquid, in the case of a catastrophe, they are less able to pay out all of the claims, more risky of an insurance company. When an Insurance Company gets down-graded it means they are less liquid, and less able financially to meet their financial commitments - such as paying claims. When an insurance company is down-graded, they will probably write less insurance premium than the previous years because clients are less likely to buy insurance from them. Also, independent agents may be less likely to use them to place coverage. Also, since they are bringing in less premium, and still having to pay for new claims and existing claims, the trend of remaining at a B++ or getting an even lower rating in the near-future may be probable. They either have to increase written premium by lowering rates, which will hurt them in the long-run, or they need to reduce overhead (jobs) and other expenses, such as, lower their cost of reinsurance. Either way, once a company is down-graded, the chance of remaining at the new rating or being down-graded again is probably higher than receiving an up-grade any time soon. Usually the most significant result of being down rated is a drop in the price of stock. A lot depends on why the down rating. Many times a down rating is due to something that may happen in the future if things keep going the same way. For example over-paying CEOs, allowing them to borrow money from the company without a very good plan to pay the money back MAY cause the company to be down rated until that problem is cleared up. On the other hand if the company is being down rated for a more serious offense, such as not keeping the legal amount of reserves after being notified about this, not paying a significant amount of legitimate claims, not following the laws of each state that they write policies in, or any serious illegal act that continues after notification, then the company may be in trouble. But again, the insurance company can dig themselves out if they are willing to cut expenses and fix the errors. As an insurance company employee, a person should be concerned about a down rating because of the potential layoffs to cut expenses AND sometimes an insurance co with a lowered rating is easy pickings for other insurance companies to buy up. As an insured, a person should try to figure out why the insurance company was lowered and then make the decision to stick with that company or not. As a stockholder in an insurance company, you would have the inside track as to why the down rating, also many very good insurance companies have had an issue of down rating only to rise again a leaner and more efficient organization. Nothing really happens. I wouldn't focus on the rating of any one rating institution by itself. Either check out each one individually or find the Comdex rating which is a type of numeric compilation.

How much do you pay for your car insurance if you are insured under your parent' policy? -

2008-08-28T20:29:00.392-07:00

im 19 yrs old It depends on a whole bunch of factors. No one here can really give you a good estimate - you'll have to call your parents' agent. That depends on your age, driving record, the car you drive and if you are a primary or occassional driver. 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 scorees and MOST run a motor vehicel 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. In my agency, we have several different companies that specialize in insuring the youthful operator. At any rate, it will probably be less expensive to be insured on your parents' policy since you are only 19 - you will get the benefit of their credit rating, homeowner discounts, multi-car discounts, just to name a few. 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

13 yrs ago I got a 10 yr primerica life policy. They are still taking money out of my bank,can I get it back? -

2008-08-28T20:29:00.391-07:00

they did not ask my permission to do so. and my bank couldn't not stop the payment. my wife called them while I was overseas and they wouldn't stop. Is it legal for them to keep taking my money without my permission? they might have done negative option billing, where the old policy rolls over upon expiration. You must contact them to stop the withdrawl. Keep copies of all correspondance. You should send something registered mail. So you have a paper trail. If they still don't stop the withdrawls, your bank will need you to sign an affadavit indicating that Primerica no longer has your authorization and they can stop the automated withdrawls. (They cannot refund you the 3 years payments) close you bank acct and open a new one - I doubt you'll get any prior pmts back - those paid for insurance coverage and once that time passes, you can't get a refund You now have a 1 year increasing term policy. Once your 10 year policy ended, without your notice of cancellation, any insurance company will roll you over into a 1 year term policy. It's pretty standard. If you have been unsuccessful in contacting them to cancel the policy and stop the automatic withdrawals from your account, I would recommend contacting your state's insurance board to file a complaint. Primerica has been somewhat of a black sheep among life insurance companies in the past. I don't think you will be able to get any money back. I'm sure this was all written in your original life insurance contract from 13 years ago so their behinds are covered. I am a rep of Primerica. Mbrcatz1 has it correct, you must contact them to cancel your policy and send written authoriztion to do so. It automatically renewed the policy to continue coverage. If you had not been interested in renewing it you should have contacted the rep that provided the product or their RVP, they could have provided the proper information to cancel it. 3 years is a long time to pay for anything you do not want. Call 1-800-737-5759 that should get you where you need. Also P.C. the renewal is in 5 year periods after initial term know before speaking and also Primerica had paid out $2 million dollars per day on death claims in 2006 not to bad for a black sheep huh? Of coarse I can go on but theres no point, PFS prob. took a bunch of your business and you received charge backs, Good day Of course they've had permission to do so - YOU are the guy who gave them the routing and account numbers in the first place!! They can't STOP it, until the policy owner has requested them to cancel the policy, IN WRITING, and it might take as long as six weeks for the withdrawals to stop. If you've already notified them IN WRITING, file a complaint with your state insurance commissioner - the state you were in when you started the policy. All of them have web sites, and the complaint addresses are all posted. INclude a copy of the request to cancel your policy, and the date sent, with your complaint. You're not entitled to refunds from premiums paid that cover the past three years. That's just like asking for a refund on your lottery ticket, because it wasn't a winner. once again, a case of how AL Williams changed my whole life! If you can't get it stopped by your bank - change banks. If the draft won't go thru, you'll get a bill or perhaps a quarterly bill for payment. Send a letter to Primerica to cancel your policy, cc: your Department of Insurance and send both certified. Good luck and hope this helps!

How do I choose a medical insurance for my parents? -

2008-08-28T20:29:00.390-07:00

I need to get my parents medical insurance they have never had one. And I was wondering where do I start? What do I look for? Any tips or advice are appreciated! To find the best rates, speak with a health insurance broker. A broker works with several insurers and can find the best plan, rates and coverage for your parents. 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. I am guessing then that your parents are not old enough for Medicare? If not then, yes, you need to quote various health insurance polices with carriers serving your area. At the same time, your parents need to be insurable which is not guaranteed. Try this link if your parents are in OH, MO or GA: http://www.ohioinsureplan.com/index.php/... Pick up the phone and call an agent in your area that specializes in individual healthcare. They will be aware of your local market conditions and be able to get them some competitive quotes. If you are interested in doing this yourself you may want to reach out to www.ehealthinsurance.com which has multiple carriers at their disposal. My overall suggestion is get the partnership of an agent to guide you through the underwriting process. What are the ages of your parents? Put into consideration their pre-existing illnesses because basically, pre-existing illnesses are not covered during the first year. There are illnesses which are permanent exclusion. Know what those illnesses are. Well, first of all, you get quotes. The best way to do this is through a local agent. Depending on how old they are, and WHY they've never had insurance (most of the time, it's because they've lived outside the US), it could be impossible to find a company willing to insure them. So ask a local agent for help. Start with the guy who does your car insurance, and if he can't help you, ask him for a referral to someone who can. Realize, if they're PERFECTLY HEALTHY, it's going to cost about $100 a month, EACH, for each decade they've lived. example: If you're 60, it's going to cost AT LEAST $600 a month. Each. If you're looking for a $50 a month plan, don't bother - you're just wasting everyone's time. Locate the local Blue Cross Blue Shield online in your state. The website will have an explanation of coverage for each plan, as well as pricing. Your parents may also apply online through the website. A high deductible plan will probably be best, such as a $2500 or $5000. They will not have to meet the deductible first for such things as general office visits, medication, urgent care, or annual physicals and gynecological exams.

Life insurance license question? -

2008-08-28T20:29:00.389-07:00

I was sponsored by a company when I took the insurance exam. Can I submit a license application without putting this company on the app? Will the state Insurance Commissioner find out? Like the other member said, the license is yours and you are not required to appoint with them. The sponsor however; can seek you to pay for the entire examination costs if they paid out of pocket to get you licensed. Keep in mind most jurisdictions require some type of appointment to obtain a license. You may want to reach out and get one in the pipeline because you wont be able to write any business until you have one. The license you are submitting for is your own, regardless of who (if anyone) schooled you. If you were to leave that employer, that license stays with you, not them. You can, but if your state requires the sponsor (most do, for a life license) they're just going to send it back to you and you won't get the license. Quote: Can I submit a license application without putting this company on the app? Yes, you can. Once you obtain the license, it remains with you irrespective of your employer. You may either choose to keep or omit the employer's name form your resume later on.

My brother is going into the insurance business? lost his last job? -

2008-08-28T20:29:00.388-07:00

My brother is taking online classes for this life insurance company and different other kinds of insurance, but right now he is unemployed til he finishes the tests and i wanted to buy him something for Christmas that he can use, any ideas? now that first lady is wrong... you dont need to work 80 hour a week to make it in the insurance business.... get him a brief case... or file folder to carry forms in... Most insurance agents fail.... 1. they won't get up in the morning to work( agents are 1099 self employed, unless you get a deal direct with a company in the home office)... 2. They are scared of making and talking on the telephone 3. They just don't have the nack for the job ( not everyone can be an insurance agent) I have been in the business for 3 yrs and my husband had been doing this for over 24 yrs and he recruits for high end insurance companies and trains agents.. Anything written by Zig Zigler or John Maxwell. I would suggest buying him a nice suitecase as this will be useful when he becomes an agent. You will want to obtain something fairly big prefferably with rollers. How about that book, the ten habits of highly effective people? Not much you can get for an insurance salesperson. Most of them wash out, because they either can't selll, or won't work the 80 hour weeks you need to succeed . . . Depends. If he's going to be a debit agent, buy him a good top coat. If he's going to be a roadwarrior, a pda might be nice or tire pressure monitors. If he's going in to an online shop with no telephone action, jeans or pajamas might work.

Is income insurance a good idea? -

2008-08-28T20:29:00.387-07:00

i want to be protected if i loose job or am ill to work and i still have mortgage , bills etc to cover. If you can't live without your paycheck, you might need to insure it. If you're not yet ready to retire, you might want a policy that would help get you there. Disability income protection covers you if you are sick or hurt, there is no protection if you "loose (your) job". A sizeable emergency fund like Dimples suggested is a good idea for many reasons. It will also allow you to keep your premiums lower by being able to afford a longer waiting period before your coverage pays. Make sure you get a good company and check the small print. If your needing help contact me. Your choices are Pay insurance incase something happens Pay a policy that pays out if you claim and if you don't claim you get all your money back at the end of the term Which one would you take? The second one is a little more expensive but at least you get your money back. Also if your self-employed you can put it against your books Hope this helps In my opinion income insurance is a bad idea and very cost in-effective. Most financial advisors and/or brokers with securities background will steer you away from such products as there are much better financial vehicles. The best solution is to use those premium dollars allotted to a income certain policy to build an emergency fund. The emergency fund will not bear nearly the same amount of restrictions, will remain portable and also will be readily available in the event of an emergency or loss of job. Income insurance is old school and primary focus was to be an employment incentive for high level executives seeking employment with start up companies. The companies themselves used to pay for the benefits. Income insurance is not considered tax sheltered which is another considerable negative. I think the cost of this type of insurance is relatively cheap so if you can afford it, and are sure you are getting it from a reputable company, and are happy with the cover etc., then I would say go for it. YOu can try http://www.portwood.co.uk/asuone.htm for some ideas. (From January 8th 2008 protection insurance is going to be better regulated by the FSA - which means that companies are going to have to tell you more about the policy before you buy them. This was only announced yesterday!)

Is mortgage protection insurance good idea? -

2008-08-28T20:29:00.386-07:00

if not how do i protect my mortgage payments when i loose my job or am ill for 2 years and can't earn money? Its a good idea. I just didn't buy it from my bank. The bank's policy names them as the beneficiary. My policy from manulife names me or my estate beneficiaries. no, it's not a good idea. they're very poor value for money, particularly if bought direct with your mortgage provider. they rarely pay out, take ages to kick in and only last for a short while anyway. Best solution is to talk to a financial advisor which would discourage any type of mortgage insurance. The best solution is to build an emergency fund so you reduce the risk of wasting unused premium dollars. Take the amount of premium you would pay towards a mortgage payment and place it in an automatic investment account. Mortgage insurance sounds attractive however; when you look at the long term it is not cost effective. Also, if you loose your job for 2 years and feel you would not be able to seek gainful employment within that timeframe you probably should invest in some more education or skills. The investment in yourself will far out-weigh any mortgage protection premium. Yes mortgage protection is a good idea, for exactly the reason you said! Your best option is to purchase disability insurance. Many companies offer this through work, i.e. short term and long term disability--the cost is lower, the monthly payment usually encompasses more than just the mortgage (you have to eat too!) and the policy is less restrictive than what you can purchase individually. However, if disability insurance is not offered at work, you can purchase an individual disability policy that is still better than mortgage protection insurance. You should consult a good local agent that specializes in life and health insurance for the best products, options and pricing (if you can't get it at work). You should also look into life insurance not only at work but also your own individual policy either term or permanent in an amount sufficient to pay off the house, your other debts and provide funds for your family such as a college fund for the kids, etc. You are wise to look into this now since disability insurance is basically insuring your ability to earn a living which is the most valuable asset that we own. Also FYI I have never met a financial advisor that would discourage their client from purchasing a disability policy--quite to the contrary since it is the underpining of any good financial plan. One of the other posters is suggesting that you take the money you would pay for premium and invest it and have your own fund. The problem with that scenario is that what if you have started saving investing the money and 4 months later you become disabled from an illness or injury and you have no disability insurance--you only have 4 months of premium saved away--how long do you think that money is going to last? The same is true for life insurance. And most people do not have the knowledge or discipline required to save and appropriately invest their money for the best return. I would rather hedge my bets and purchase both policies. Good Luck its only good if you havent suffered from an illness previous to taking it out. i got caught that way. when you fill in the forms for the insurance you have to tell them of any recent illnesses. i was working when i took mine out and was on medication for depression. had the insurance for about 5 years and became more depressed after a major op, (was off work for 6 months) because id told them i suffered from it in the original form they wouldnt pay out. YES ITS A GOOD IDEA Unless you have plenty of savings and can cope with being ill for 2 years then the simplest way is just to get the insurance. Mortgage protection insurance is pretty costly. I don't believe in it even though I could make extra money by selling it. So I would advise that you put extra money aside or if you are really concerned about it, I would advise purchasing disability insurance that would cover everything and not just the mortgage. You can also open a home equity line of credit and just don't use it unless a hardship came up. You can then draw from the line of credit to pay all of your bills and not just the mortgage. This is probably the best way since there is no cost if you never use it. This will give you the insurance you need without having to pay for it. I'm not sure. The cucumber is stuck inside me. I didn't mean for it to go so far in!

Travel Insurance? -

2008-08-28T20:29:00.385-07:00

My Grandma and Grandad are having trouble getting travel insurance because my Grandma is under 65 and my Grandad is over 65. Any tips/ Websites? Thanks, xxx The Lloyd's of London has coverage for people over the age of 65 and under age 65. They only need to by US residents to apply online. The process is quick, and they can print proof of coverage from their computer if they need it for a visa. https://online.piu.org/online_major_medi... Try Squaremouth. Its a comparison site that has products for all ages. You should have no trouble finding lots of travel insurance products to choose from. If you are US based try: http://www.squaremouth.com If you are UK based try: http://www.squaremouth.co.uk There are angles to this question. Grandfather-if he is in Medicare should explore a medicare sup policy which bears international coverage. This would fill the gaps for his policy. If he is still employed, he may want to reach out to his current carrier. Most carriers pay international emergency claims. Grandmother- If she is on a medical policy already she should explore her carrier for their international coverage. Medicare does NOT cover internationally, and you should NEVER obtain travel insurance from a travel agent. They are not insurance agents and therefore what they sell is not insurance. That plan someone mentioned with Lloyds is very good. You should also check out the Liaison plan at http://www.worldwidemedical.com, as the coverage is comparable but rates will probably be a bit cheaper. Benefits will decrease after age 80, but they will have no trouble getting coverage regardless. They should ask their travel agent. Assuming you are in the UK try Saga

From where can i download HDFC Unit linked Endowmwent policy form? -

2008-08-28T20:29:00.384-07:00

Why you are soooooooo much interested in policy form????? These are not available on internet otherwise no one will purchase ULIP plans. Call any HDFC insurance agent show interest towards insurance plan read the policy document. Visit http://www.hdfcbank.com/personal/investm... https://www.hdfcinsurance.com/products/p...

How can i find the website of prime ten insurance-philippines? -

2008-08-28T20:29:00.383-07:00

i want to find the website of prime ten insurance but i can't find it. Maybe they don't have one.

How do insurance companies estimate the amount of coverage for your home? -

2008-08-28T20:29:00.382-07:00

That is, how do they estimate the amount of living area of your home (sq foot), the cost to repair, etc. We have a computer program put out by Marshall Swift/Boeckh. We put in the zip code, year built (yes that matters), # of families, length x width (outside measurements), # of stories, additions with size, foundation type (slab, crawl, basement, walkout, finished, etc), framing type (studs, post beam, steel, etc), ceiling height (8, 9 or 10 ft), general shape. Also, siding type, roof type (asphalt, metal, slate, etc - whether it is elaborate), any cathedral ceilings, attached structures like garages, porches, balconies decks (with size). As for the inside we put in quality of kitchen baths (basic, builders grade, semicustom, custom or designer), # of full, 3/4 half baths, flooring, wall coverings, ceilings, fireplaces, heat type (hot air, hot water, radiant, including fuel type), any hot tubs or jacuzzis, spiral staircases, elevators, chair lifts, built in bookshelves, special millwork, decorative beams. That is all I can think of off the top of my head. It is a pretty comprehensive program. We can also add in architect fees and contractor overhead. It is pretty accurate for most houses. When you start getting up towards $800,000 to $1,000,000 plus, it is still best to get a builder that specializes in custom homes to do real appraisal on the rebuilding cost. It may also estimate low if you have an old victorian with turrets, fancy siding gingerbread lots of custom woodwork inside. You would want a builders estimate in that case too. I hope this helps. They do a calculation of the cost to replace the home if there was a total loss, Square footage, construction costs to rebuild, age of home etc...Plus this must all be at least 80-90 percent of the cost to rebuild. They don't insure the living area - the space - they insure the building. There are three ways to get the measurements - from you, from them going out there and measuring, and from your county property tax website. Your agent can show you how they calculate it. Basically, they measure the outside of the house, multiply by number of floors, modify for extra bathrooms, fireplaces, built-ins, basements garages, etc; then use a location multiplier. Most areas, it should come out to between $150 and $250 per square foot, but older houses (read, custom woodwork, plaster instead of drywall, molding, etc) cost more to rebuild. Purchase price, market value, etc, have NOTHING to do with it. The insurance company doesn't buy your kitchen when you have a fire, they FIX it. an insurance company calculates the amount of coverage by finding out the actual value of your property and then finding out the amount of premium you should pay. this is done by actuaries who are employed mathematicans of the insurance company.how much you pay or will be paid in case of damage also depends on the sum you state as the value of your property. It usually starts with the purchase price (cost to build). Add in all additions and some appreciation value. Principally, the insurance is designed to cover the balance of the mortgage.

Do you have to be a florida resident to be eligible for welfare benifits like health care.? -

2008-08-28T20:29:00.381-07:00

I live in pa right now and am moving to florida in feb and am currently on the gateway health insurance (the state free health care). When I move to florida I'm sure that i can't transfer that but will I be eligible for other state benifits? I'm unsure of this. Please help me. Open the link to the below file regarding Florida Medicaid assistance. It will probably answer some of your questions. Yes, you have to legally be a resident of any state - including Florida - to take advantage of the state run welfare programs, like health care.

Who buys earthquake insurance? Is it wise to do so? -

2008-08-28T20:29:00.380-07:00

I have a bad taste in my mouth about earthquake insurance given experiences I had during the Northridge Quake . I will try to keep it out of this conversation. Historically, California has a large earthquake every 15-25 years or so. As a result, those impacted with house damages and deaths find some type of remedy through FEMA, Red Cross donations and/or other charities or agencies. The Earthquake insurance normally wont kick in until all the above payments have exhausted anyway. In my personal opinion the best thing to do is retain the risk yourself. An eathquake can demolish everything and really is no different then a war which is also not standardly covered. Frankly, if I was really concerned about earthquakes I would move to Florida. Just like any other insurance coverage, the main benefit of earthquake coverage is PEACE OF MIND. Just like any other coverage, you need to look at the cost factor vs. the worry factor, and your personal financial situation, and location, LOL, and make a decision. There's such a thing as being insurance poor - spending TOO much money on insurance. So you have to pick and choose what's most important to you. I strongly recommend getting earthquake insurance, no matter where you live. Earthquakes powerful enough to be felt by people have occurred in 40 of the 50 states, according to the United States Geological Survey. Not surprisingly, Alaska, California, and Hawaii lead the nation in frequency and size of earthquakes, but other states have significant numbers of quakes as well. For example, New York had 25 perceptible earthquakes from 2005 to 2007. Maine had 12, and Tennessee had 10. From Florida (2) to Washington (18), America is earthquake country. The chances of a major earthquake may be small, but the risks to your finances are huge. Should your home be badly damaged, your home value will go down, meaning you will not have home equity to draw on to pay to repairing or rebuilding. Your regular homeowners insurance will not pay for earthquake damage to the structure or belongings due to shaking (but will pay for fire damage and water damage from burst pipes). In California, limited dwelling protection is available through "mini-policies" backed the California Earthquake Authority (CEA), a governmental agency. These will pay for damage to your home, but not non-essential structures such as swimming pools. I've lived in California my whole life and have become accustomed to the occasional earth shaking moments. I don't agree with buying earthquake insurance because the deductibles are outrageous. The insurance will not pay their portion until you pay approximately 10% of the value of your home. So if you have a 500,00 home you have to pay the first 50,000 before you get what you put in. I would rather put the money aside in savings instead of the insurances playing monopoly with my money. You could wait forever for the great big one!!!! But, not at my expense :) Do you live in California or in another place with frequent earthquakes. I live in California but I don't have earthquake insurance. After the Northridge earthquake the insurance companies dragged their feet and eventually only had to give people pennies on the dollar thanks to our butthead insurance commissioner. If you live in California and decide to buy insurance make sure the company sells insurance in other parts of the country. If their customers are primarily in California then they will suffer a big lose with a major California earthquake. Many people buy earthquake insurance. If you don't, you don't have coverage. I am in the northeast an earthquake in my town made a house slip off the foundation totalled it. If she had earthquake insurance the deductible would have been 5%, but you know, she would have gotten paid for 95% of her house (up to her dwelling limit) instead of 0% of her house. Talk it over with your agent, find out if you are on a faultline (there is a pretty big one up the Connecticut River in New England) I have felt tremors in 2 states where I have lived that have caused damages. We sell earthquake insurance more than you would think, probably 25% of our clients purchase it.

Which Insurance Companies Pay Their Claims Adjusters Best? -

2008-08-28T20:29:00.379-07:00

I know there's lots of variations depending on where you live, experience etc, but generally speaking, which insurance companies pay their claims adjusters the best out of the ones listed below? - State Farm - Allstate - Liberty Mutual - Nationwide - Farmer's - Chubbs - Safe Auto - Progressive - Erie ...and any other of the big companies you can think of. Also, what fields that are more lucrative than claims adjusting, can a claims adjuster potentially parlay into, inside or outside of working for a big insurance company? Erie isn't a big company, IMO. But they're all about the same. Any independent claims adjuster who's established (read, who can get the work) makes more than a company one. Sales is the highest paying job, just like in any other industry - but it's commission based, not salary based. So if you don't sell, you don't eat. Great salespeople will ALWAYS make more money than just about any other position. AIA the cheapest one Chubb is number one in coustomer satisfaction if you quafily to buy a policy from them.

If flood insurance can be bought for coverage up to 250,000 .... what happens when a home cost or is worth? -

2008-08-28T20:29:00.378-07:00

more than that ? Will the bank issue a mortgage even if you can't get enough flood insurance to cover the loan ?? You're self insured for the balance. Yes, the bank will issue the mortgage. Yes, a bank will grant a loan even if the property is worth more than $250K. That is because $250K in flood insurance is the maximum that any insurance company is required to to underwrite. However, there are companies that specialize in very high end flood insurance, but the premiums are steep. $250,000 is the maximum available under NFIP. Yes, you can still get a mortgage.

Bankers life and casualty company? -

2008-08-28T20:29:00.377-07:00

These people called me and said they saw my resume on hotjobs and wants to schedule an interview(never heard of them). I was kinda iffy about that because my resume thats posted on hotjobs is for administrative assistance/clerical not sales(?). I have no sales experience whatsoever and these people have sent countless emails and have contacted me 3 times already to remind me about my interview tomorrow. After reading a lot of other questions about this company on answers, everything is really summing up my suspensions. Why are they so eager to interview someone who didn't apply for the job and doesn't have sales experience? Is this one of those companies that sounds good, but once you get the job, you find out its sorta like a scam? Is it strictly commission only? They're desperate for warm bodies for sales. Don't get me wrong, it's a great company. Call the person first thing in the morning, to confirm your interview, and just ask them what the position is. If they won't give you a title, just say, you want to make sure this isn't a sales job, as you aren't interested in that, and don't want to waste their time. This is how I went to work for Bankers. I had grown up knowing about them, so was familiar with the company. Its not actually an interview - it is an invitation to come and hear what the company has to offer. From there you decide if you want to go on to an inteview. It is a lot of work, but its a lot of fun too! I am thankful every day for the opprotunity to work for them! Are you sure the job opening is not for administrative / clerical? Insurance companies employ lots of people in clerical positions. Call the company before you agree to the interview.

Got hired, went to pick up bendfits info, and they that won't even let me look at it until next after Jan. 1? -

2008-08-28T20:29:00.376-07:00

Has anyone heard of such bull? I have worked for 3 years in a none benefited position, well known by my co-workers and supervisors, the dept director had even posted the postion for me, after she learned i was interested in staying on if I had benefits, and HR benefits supv. doesn't want me to see the package until I get it in the mail?? The HR requiter had even suggested I stop by and pick one up if I like. What kind of BS is this??? Have your supervisor get one for you. That is why our company does not have HR. The supervisors and managers hire, train, and address issues.

Insurance rate on a 2004 Lexus IS300 for an 18 yr old male.? -

2008-08-28T20:29:00.375-07:00

I want to buy a lexus is300 but i want to know what i can expect to be paying on insurance first. Im thinking it shouldnt be to high since it is a 4dr sedan. Yeah. Its gonna be pretty expensive. I remember taking a quote few months back for Lexus IS250, and I was 21 then. Insurance quote was around $850 per month ! I think you should go for some nice slick insurance deals or companies which offer cheap insurance coverages. You could try these http://test.insurer.com/car_insurance_qu... http://www.insurer.com/?Y I've found that they have all the deals at one place making insurance shopping simple. If you desire and want collision coverage on this car, that's where your premiums will skyrocket. The Lexus is not an inexpensive car to repair. Conversely, if you purchased a Ford Taurus or similar, where the salvage dealers have copious supplies of repair parts, you would pay less. If you are looking for liability coverage only, there should be no appreciable difference in coverage premiums. 18 in a lex...it will be high Yeah, dream on, you're 18. Depending on where you live and how much coverage you need, it could easily be $1000 a month or even more. To get an EXACT quote, contact your local agent.

Does good student discount fo insurance go by your semester GPA, or your cumulative GPA for state farm? -

2008-08-28T20:29:00.374-07:00

by the semester.

Would this be a pre existing condition? (insurance question)? -

2008-08-28T20:29:00.373-07:00

Hi, I have a health insurance plan that turned out to be REALLY terrible. They said "$1700" deductible all over the policy, but for outpatient surgery, the limit is ONLY $1,000- that was hidden in the fine print! This is CRAZY b/c even a simple surgery could be $10,000! Anyway, I hurt my leg the other day and when I found out about it I applied for another insurance policy which is MUCH better. However, the policy doesn't kick in until Jan 1st... Anyway, I have not seen a doctor yet (but I made an appointment for friday) but am wondering if even making an appointment would make my injury qualify as a pre existing condition. I don't think it would be I do NOT trust these insurance companies at all! Any thoughts would be helpful. They define a pre existing condition as: "a condition for which medical advice, diagnosis, care or treatment was recommended or received within the 6 month period prior to the effective date of insurance." Thanks! Rick Did you disclose the leg injury on your application for the new policy? If you didn't, your new policy can be voided completely. If you did disclose the leg injury on the application and were still approved for the policy, then you should be okay...as long as you've had continuous health insurance (without a break in coverage longer than 63 days). If you haven't had continuous health insurance, then yes...going to the doctor for an appointment regarding the leg injury before your new policy begins would make it a pre-existing condition. To sum it up...1) I hope you disclosed it on your application, or it will cause big problems for you. 2) If you haven't had a break in insurance coverage, you'll be fine. 3) If you *have* had a break in insurance coverage (longer than 63 days), then don't see the doctor before January 1st or it will be excluded for pre-existing. No, making the appointment should not affect anything in that regards. Now, if you keep your appointment...then Yes, your injury would be considered a pre-existing condition. Also, the date of your injury may be taken into consideration as well. Yes. A pre-existing condition is any condition that has been diagnosed by a medical professional in the last 12 months. So, if your insurance doesn't kick in until Jan 1, and you see a doctor before then, then it's a pre-existing condition. They will deny the claim. I guarantee it. Yes, the leg that is already hurt is pre-existing. Just because you fail to treat it, doesn't mean it hasn't happened.

Would you deal directly with an insurance adjuster if injured in a car accident or get a lawyer? -

2008-08-28T20:29:00.372-07:00

I was a passenger and got a broken foot Why hire a lawyer - ie, give up 30%, if the adjuster is going to do it for you?? Try the adjuster first. Ask YOUR AGENT for advice second. The lawyer should be last resort. Do you want to give away 35% of your not as big as you think it will be settlement? If so get a lawyer. My advice...try to settle it yourself. If you are not successful consider an attorney at that point. Oh and by the way the 35% of the settlement includes 35% of the medical bills. So if you have a 10,000 settlement (with 5k in meds) - lawyer gets - 3500. You have to pay back 100% of the meds, leaving you only 1500. PS the amount was an example only and does not pertain to your claim value. Deal with the agent. If he or she is not doing their job, get a lawyer who will get about 40% of the settlement. Keep meticulous medical records, receipts, etc. Don't bother with a lawyer unless you are extremely concerned that you are not going to get your expenses covered. They do tend to make matters worse. The majority of them are in it for the money, of course. Keep accurate records of your medical expenses, and any other related expenses and handle it yourself with the adjuster, if possible. I wouldn't necessarily sign a final form relieving them of all further expense until your foot is healed and you find that it healed correctly. There is always the odd chance that it didn't set properly or something and you would be in for further expense. If all goes well, it should be fairly easy and straightforward.

Can anyone from LIC tell me if there is any Policy for car workshop mechanics.Premium must be low.? -

2008-08-28T20:29:00.371-07:00

Can anyone from LIC tell me if there is any Policy for car workshop mechanics.Premium must be low around 200-250 per year.Please tell me the policy name that best suits. Not at that price. That's not a reasonable price for the risk. no

Can someone help me ...? -

2008-08-28T20:29:00.370-07:00

I am learning how to verify medical insurance , does someone know a easy or any tricks cause some can be very tricky..?? You just call the insurance company and ask. Can you elaborate a bit? Are you having trouble understanding the benefits quoted to you? I can probably help...just need more info. Email me if you want :)

Can kids under 18 apply for any type of medical care? -

2008-08-28T20:29:00.369-07:00

i really would like to, my parents cant afford that :( Derek... I don't have an answer to your question but I was wondering.... do you go to South County? In Virginia? Fairfax County??? Because there is a guy named Derek that looks exactly like you and yeah. Email me at theadvicegirl@yahoo.com if you are him. BTW... people at school say you're mean, but I think you're cute ^.^ Most states have some kind of childrens health insurance coverage available for children that are not covered, similar to Ohio's plan. In addition there are clinics and medicaid, depending on income levels, Check it out. depending on the state you live in.....depending what it is called in your state.. (like here in texas it is the c.h.i.p.s , child health insurance program)... but it is a state program designed just for kids that are under 18 and the family can't afford insurance... contact your state insurance department ... www.naic.com and click on your state to find out... Good Luck Derek..!! Not unless you're legally emancipated. If your parents can't afford health care for you, they should sign you up under your state children's health insurance plan. Their is program called Medicare for people who cant afford health insurance. Usually they have a special program just for kids 18 and under, and it may go by a different name. Just call you Medicare office [look up the info online] and tell then what situation you are in! You parents will have to sign you up, but it would likely that you would receive some coverage for free. I live in Missouri, and 1 in 3 children here are on Medicare. Your local Blue Cross Blue Shield offers, "child-only," policies.

What if you have done drugs in the past and know looking for life insurance that requires a blood test? -

2008-08-28T20:29:00.368-07:00

Number one, you need to be honest with your insurance broker. If they are good, they should understand they need to find a good company that can handle your situation better than most. Here is an article about why you don't want to lie to the insurance companies. Different drug, same story: http://www.councilfinancial.com/tobacco-... Depending on your history, there are some long term mortality concerns with drug use, and not all companies view the risk the same. In fact some companies could offer non-rated policies if you admit to smoking pot occasionally while others will decline to even consider you. If your agent is unhelpful, find another one. I'm unimpressed with agents who don't know how to negotiate underwriting procedures. Even if you have done drugs, you may be able to qualify for life insurance. Usually, any form of drug may be out of your system within 30-45 days. However, make sure to answer all questions truthfully on your life insurance application. If you lie to get coverage, they may void your policy within the first two years - it's called the "Incontestable Clause" in the policy. Also, you do have another option - you can apply for term life insurance with no medical exam and no blood tests. To learn more, Visit - http://www.term-life-online.com/term-lif... The premium may be a little higher for this type of coverage, but there are no blood tests, and you may even be able to start your coverage today. I hope that helps! Best of luck to you. above guy is right on....depends on what you mean by past As an insurance agent, as long as it's been a long time since you have used anything so that it does not show up on blood tests, their's nothing stopping you! Well, as a former user myself, i can tell you that it all depends on what you took, how long ago you took it, and if you still do. If you are off the stuff, for any extended period of time, then quite frankly, it is none of their business. if you are still using, that is a problem. Illicit drugs can take up to a week to leave your system, but can be in a hair sample for 6 months or longer. Pot can be in your system for a month or so, depending on how much you smoked, and for how long. Hence, if you still partake, stop! You can go to a health clinic, and have them test your blood levels, before your actual test, but pay cash, dont use your insurance, obviously. Good luck, and just say no.

Insurance for an engagement ring? -

2008-08-28T20:29:00.367-07:00

alright, here is my situation. i have found an extremely beautiful engagement ring setting that i love. but the company dosent offer insurance..i plan to either buy the diamond from them also,or from another local store(i plan to spend about 3-3.5k). when i spoke to the company over the phone, they said that they dont offer insurance but, i could put it under my home/renters insurance. well, that only covers if the ring is lost or stolen. i need that, plus if if any of the smaller diamonds fall out or whatever the case maybe. what im saying is, i need full coverage. if i were to buy the ring from this company, and the diamond at.. say, jareds, where can i go to insure both the ring and the diamond? home owners coverage will not cover this.. sorry if this sounds like a mess. my soon to be fiance keeps bugging me to see what im typing lol. You need to get a Personal Article Floater for your home/renter's insurance. That's what I did. You pay an additional annual premium, and the ring is covered to the deductible you choose. Congratulations on your engagement. I hope this helps. if you have a homeowners or renters policy the ring is automatically covered for theft but only up to about $1500. (depending on what state you are in) Once you get the ring you can take the original receipt or an appraisal to your agent and have them schedule it onto your policy. this means it is covered to the full value of the ring and stones. it also covers it for "mysterious disappearance", meaning if its "just lost" or a stone falls out and is lost. it is definitely something you should do with a ring of that value. Jarads is a ripoff...and one of the more expensive places to buy a ring. Any "chain" jewelry store overcharges...not that you asked, but I figured I would let you know. A good jeweler will offer a warranty (FOR FREE) that if you bring the ring in for regular inspections, that they will warrant any stones popping out. You pay for the labor, they pay for the stone. If the jeweler does not offer that, then find another one. That takes care of your lost stone issue. Then that leaves you with lost or stolen coverage. A good jeweler will also provide you with a FREE appraisal upon your purchase. You will also need to take several pictures of the ring. Keep a copy of the appraisal and the pics at home, and another in a safe deposit box, along with the receipt. The best way, is to cover it through your homeowners insurance. You will need to get a special peril...NOT the standard coverage. Make sure you get REPLACEMENT VALUE. That means if you pay $3K for the ring today, and 5 years from now it costs $4K to replace it, then $4K is what you get. Major carriers like State Farm, offer replacement value coverage. Fly-by-night smaller companies, do not. Hope that helps. Hi Jay, You need to get an appraisal by a certified inspector who is not affiliated with your jeweler. Make sure the appraisal is as detailed as possible for insurance purposes. Then you need to check out different policies to make sure the ring is insured for damage, loss and theft. Start by checking again with your home insurance, and ask about replacement policy and actual cash value policy. You can also ask the jewelry appraiser or the jeweler about recommended insurance options. I hope this helps. There is more information about insuring an engagement ring at http://www.engagementringtoday.com which gives helpful advise about all aspects of engagement rings. Wishing you all the best, Lynn You can add an endorsement onto your homeowners/renters policy that will cover the ring. You will need to give the insurance company a copy of the jewelry store appraisal and gem print info (if the ring has a gem print). The floater will cover the entire ring (stone, setting and all). A floater will cost about 100 per year. It covers if a stone falls out - the ring gets lost - stolen etc. Don't call your agent - go and speak to the agent. Actually sit down with him/her and they will be able to help you and explain the endorsement to you. You usually have to purchase the ring first to actually get the endorsement. But it's OK to ask your agent questions before you buy the ring. Once you buy the ring you will have to go and sign the paperwork for it to be insured. But you can go straight from the jewelry store to your agents office. Yes, your homeowners WILL cover, if a diamond falls out, or a car runs over it, or the dog eats it, or it falls down the drain, not to mention theft, IF you schedule it seperately.

Cancellation of health insurance due to work-related injury, is that legal? -

2008-08-28T20:29:00.366-07:00

Only if your primary carrier was used for a work-related injury that would have been covered by workers comp its legal - check policy notes If you were out on a work related injury, your employer is not required to continue to pay for your health insurance. They ARE required to notify you that YOU can pay for your health insurance (COBRA). There is no absolutely answer for your question.However,explorer the information here will give you some ideas.HOpe it helps.http://health-insurance.expert-tip.info/... Was it canceled due to the injury or due to non-payment of the premium? I've seen that happen when people are out on workers' comp and don't realize that the employer is not going to keep paying the regular insurance premium while the employee is not working. I don't believe so. Generally a work-related injury would be covered by a worker's compensation claim. But that should have no effect on your regular health care coverage. Your employer doesn't set the terms, their insurer does. It's legal. This is a common problem with group policies. Get a private policy of your own, outside of work.

A gift inter vivos policy is set up with cover of £200,000 in the first year....? -

2008-08-28T20:29:00.365-07:00

A gift inter vivos policy is set up with cover of ￡200,000 in the first year. How much cover will apply in the final year of the policy? A. ￡34,000 B. ￡40,000 C ￡80,000 D ￡120,000 I know the answer but I am interesed in the working out. How did u get to your answer? To understand Inter-Vivos you have to realise what a PET is. If someone gives a gift to another person this is a Potentially Exempt Transfer (PET). If the first person dies then the second person incurs a tax liability of 40% - this liability gives them an insurable interest in the life of the donor. In this case the gift must be ￡500,000. However each year that the donor lives after giving the gift reduces the liability to pay tax until after 6 years there is no liability remaining - the gift is tax exempt. The insurable interest therefore decreases by a sixth each year until in the final year it is a sixth of the original liability. Thus an inter-vivos insurance policy is a decreasing term policy on the life of the donor by the recipient for the tax liability on the death of the donor.

My brother just started selling insurance with liberty mutual. What are good ways to get customers? -

2008-08-28T20:29:00.364-07:00

My brother just started selling insurance with liberty mutual. What are good ways to get customers. He's Selling life Insurance,Auto, Property and casualty. We are in NJ He should consider buying Internet leads. They are especially good because they are generated by consumers seeking solutions only minutes before the lead is emailed. Internet leads are pre-qualified in the sense that proactive consumers have performed a search, looking for a solution to a problem. They have then taken the time to fill out a form, requesting a call. A good lead provider “scrubs” the lead to make sure the data is valid before it is offered for sale. All of this is done in seconds after the consumer fills out the form. If your brother subscribes to the service, he will receive the lead less than ten minutes after the consumer submits the form, so he or she is still in a buying frame of mind. If he pays a little more, he can have it exclusively for a period of time—exclusive from the company that sold it to you. (If the consumer filled out more than one form, then they can be contacted by someone else.) He might want to check out these guys: http://www.ileads.com/ Not only do they have real-time internet leads, but they also have a replacement policy for leads with bad data—bad phone numbers or someone who has already signed with a competitor. They also enhance their insurance leads with data from First American Financial, so your brother will have a better handle on how serious and qualified the lead is. easiest way? just knock on doors. get everything, motor renewals, home renewals, quote everything. ring business and give them liability quotes. its all about activity walk door to door, direct mailing(can buy lists from lead companies). hand out business cards... word of mouth...can buy pre set leads Pound the pavement, and knock on doors. 'Walk and Talk' Perhaps he needs to get with a company that has a better lead program, so he doesn't have to work so hard. I actually buy my leads, their fantastic and I always get 1000% return or more.

Can atheists get insurance for acts of God? -

2008-08-28T20:29:00.363-07:00

Wow - this question hasn't already been asked like a million times!! Acts of God is a term used by people that are not educated about insurance. It is NOT an insurance term. Next time you think you are being a smart *** do your research first! No one can! No, but they don't believe it. Dork. God isn't covered by insurance. That's something to think about... No one can. "Acts of God" isn't an insurance term. I've never seen a policy, ever, that referred to it. Someone asks this question every week. I think people think they're being clever, but really, it's SO OLD. by 'Acts of God', I assume you are referring to natural disasters , examples: flooding, earthquakes, tornadoes, etc. Of Course They Can !!!! a person's spiritual belief or lack thereof does not ban them from purchasing property and casualty insurance. God is scratching his head right now, wondering why his children can't be more creative or use the search function on Y!A.

My job sponsored group health insurance will expire. Is there a way I can stay covered? -

2008-08-28T20:29:00.362-07:00

I was fired from my job in October and my health insurance coverage will expire at the end of the month. My company had fewer than 20 employees. Is there a way I can maintain coverage? I understand that COBRA does not apply with companies that have fewer than 20 employees. Nope, if they don't offer Cobra, they don't offer it. You'll have to go to a local agent, and get a private policy. Or try to. Find a good independent insurance agent in your area, and ask about taking out an individual policy. If you are in good health, and believe you will be employed in a matter of months, your best financial bet is a high-deductible policy, as your premiums will be lower. If you are in Texas, my agent is fantastic, and I can give you a free referral. See my website below, and click the link for "Insurance Agents". Take Care Best Wishes. I am no gonna say I am one hundred sure about it.Besides it really depends on the personal feelings.SO it would better for you to find yourself.Here is a good resource.http://health-insurance.expert-tip.info/...

Should I report my tenants on the home insurance policy? -

2008-08-28T20:29:00.361-07:00

I used to live in my house but now I am renting it out. Should I tell my home insurance company that I will no longer live there and tell them about the tenants? RIGHT AWAY! you cannot have a homeowners policy if you the homeowner do not live in it. your policy needs to be rewritten as a landlord policy. this covers the dwelling (make sure you also keep liability on it). your tenants should then pick up a renters policy to cover their belongings. if you can find a company in your area that will write your property on a commercial package policy, it will keep your premium a lot lower. i have a company that does this and it actually gives them MORE coverages than a regular landlord policy for less premium. YES. the minute u put renters in the house the insurance policy was void. u need the correct insurance for a commercial property and plenty of it. price around . YES. You are essentially uninsured now because you have failed to inform your insurance company about your change in use of the house. Yes, your premium should actually go down since it will no longer cover the contents of the home, just the home itself. The renter would get seperate renter's insurance to cover their possessions. Yes, this will likely increase your premiums as some tennants can be nasty and cause damage, but you get extra coverage for that! Yes. It is classified as non-owner occupied. They need to know before there is a claim, just in case Well, YES, because one of the conditions of your homeowners policy is that the house is owner occupied. They are going to tell you, you need a landlord policy - also called a dwelling fire policy. You're going to have to rewrite the policy. You must inform the insurer of this. If you do then your policy is not worth the paper it is written on. Once a claim occurs the insurer will easily discover what the actual situation is in regards to the occupancy of the house. They will deny your claim and cancel your policy.

Friend wrecked my car, will my insurance pay? -

2008-08-28T20:29:00.360-07:00

If I loan my car to a friend, and he wrecks it, will insurance cover this? Good chance. Is your friend licensed? Did he have your permission to drive the car? Was he drunk or high? Was he committing a crime (like high speed chase with police)? What kind of coverage do you have? Only way to know for sure is file the claim. I wish my experience is helpful for you.Here is the good resource.http://car-insurance.online-tips.info/al... Yes, unless he took the car without your permission, in which case it is a theft. They should still cover it, but they will charge him with theft. All things being equal, your insurance company will most likely subrogate against his insurance company. That means they will file a claim with his company. Best thing to do is have him file a claim directly with his company, and they reimburse you for the cost of repairs. If does not have insurance, your company will pay. Insurance follows the car, not the driver. You'll have to ask your agent, there are a whole bunch of questions we don't know the answers to, like: is your friend a listed operator? does your policy exclude all unlisted operators? does your friend have regular access to your car, or live in your house? do you have collision coverage? You really need to ask your agent.

Is Texas Windstorm Insurance ***. the only place to get windstorm insurance for a business? -

2008-08-28T20:29:00.359-07:00

These people are crazy, they have gone up by 300% on the insurance of the business that we are interested in buying (in just one year). I am just curious if there is any other option or are they this high because they have the monopoly on this kind of insurance???? The business is a storage facility (a bunch of metal buildings). If you want wind coverage, and you're near the water, then yes, Texas Windstorm is the only place to get coverage. Go talk to a local agent. The REASON why the rates are so high, is because it's really, really high risk. The reason why they have a monopoly on it, is NO ONE ELSE WANTS TO WRITE IT. When you DO find someone else to write it, it's NOT going to be an admitted carrier, and it's likely going to be MUCH more expensive than Texas Windstorm. They aren't a real insurance company, you know, it's a GOVERNMENT insurance program, that steps in when no one else wants to write the coverage. Yes, there are other options. DIC coverage comes immediately to mind - but that doesn't mean it's going to be CHEAPER. Part of buying this business, should be sitting down and talking to the existing agent, and talking to your OWN agent, about coverage options. If you don't want insurance for wind, you can probably not insure ANY of the buildings for property coverage. Wind is your most likely peril of loss, except for flood, here in Texas. Oh, and flood is a seperate policy, too.

Supplemental Health Insurance for Truckers? -

2008-08-28T20:29:00.358-07:00

I am looking for a health plan specifically for Truck Drivers. Does such a thing exist? YES and it is JUST what you need and none of the 'fluff' you don't need! It's called the Truckers Occupational Accident Insurance Program by AIG. Pays for Accidental Death, Disability, accident medical expenses, paralysis, even hemorrhoid and hernia coverage! (Hey, when you sit all day and night, stuff happens!) It is a GREAT plan and very cheap. Call 800-647-4589 and ask to speak to an agent. No long haul/short haul nonsense. This is a plan specifically for truckers. It is not easy to answer your question in one words,you would better find it out here yourself.http://health-insurance.expert-tip.info/... Likely not. But there will be a RATING FACTOR applied, just for truckers - long haul and short haul will have different rates. Talk to a local, independent agent to get quotes.

Can a failed hard drive be covered under insurance? -

2008-08-28T20:29:00.357-07:00

I have a hard drive that failed and when I called a recovery service they mentioned that renters insurance may be able to cover it. Is this possible? Is there any way that insurance would pay for a hard drive recovery when it just failed on its own? No, it would never be covered by Renters Insurance. Even if it was, the depreciated value of a used hardrive is probably worth a lot less than your deductible. Insurance never acts like a warranty, especially for electronics that just stop working. Normal use, probably not. The depreciated value will probably less than your deductible anyway. If you used it for business, did you buy business interruption coverage? No. Contents coverage is usually named peril. Fire, lighting, windstorm, hail etc. If lighting were to hit the computer and damage the hard drive - your policy would buy you a new hard drive. The policy does not cover replacement of the information on the hard drive or recovery of information on a hard drive. If your hard drive failed b/c of a virus, mechanical issue, wear/tear - that is not covered. Sure it's possible. Is it likely? No. But maybe you have a computer equipment endorsement attached to your renters policy?? If you paid extra for it, maybe, but "inherent vice and latent defect" ie, it just stopped working, aren't ever covered. Personally, I think this is just there way to take the focus off them, and try to sell you on the repair. No it is not. Wear and tear; mechanical breakdown; faulty material, design or workmanship are all excluded under any property policy.

I want to get life insurance but i dont know of any good names...? -

2008-08-28T20:29:00.356-07:00

I am married and have 2 kids .I am 33yrs. old and have high blood pressure .the Dr. said my kidenys are failing ....i am taking my meds.but just in case if someting happens i want my familyto be secured...thanks Why not let an insurance broker do the shopping for you! A broker works with several insurance companies and can find the best rates and coverage for you. To find a qualified insurance broker, log on to a website like http://www.lifeinsurancewiz.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. There is no obligation, so give it a try! Hi Arturo, I am sorry to hear about your health at this time. Hopefully, things will improve. One way to find a good price and plan for your life insurance is to compare quotes online from a quality life insurance quote service. One firm that specializes in High-Risk Life Insurance for people with health problems is efinancial. They have been providing life insurance quotes online since 1999. You just fill out one form and they will give you up to 12 Instant Quotes right away from top-rated insurance companies, with no obligation. If you like your rate, you can even apply online for a policy. To request your free, no obligation life insurance quotes, go to https://www.efinancial.com/smartquoteefc... This approach may help you quickly and easily compare rates and plans before you meet with an insurance agent. Arturo, I wish you and your family the best, and a Very Merry Christmas!! Take care. I am licensed insurance agent in Ohio. If you already have been diagnosed with kidney failure you would not be able to purchase life insurance. Your best bet would be to enroll in your employer's group life insurance as you would have a set amount of insurance that you could obtain without having to prove that you were in good health. Your failing in health and you care which company is good? Call an Independent agent and get some quotes before the rates go too high. Try going to http://www.myinsurancequotes.net. Fill out the form and a local agent will contact you and help you through your specific situation. Jared Balis http://www.utahinsurance.org Well, you have high blood pressure, and your kidneys are failing. You are going to have to pay a way, way, way lot for your life insurance. Maybe thousands a month, depending on how much coverage you want. The time to buy life insurance is BEFORE you start having stuff go wrong with you. BUT, if money is no object, you can start calling around for a high risk life broker in your area. You can also see if your employer offers any kind of group life insurance, that you don't have to qualify for. Good luck. I am sorry to hear about your health condition. Are you now on dialysis? or planning to be? If you can give me some more information I will search for a solution for you. I have access to many companies. You, sir, are uninsurable. As an agent, I would recommend a financial savings plan like an annuity to protect your family, because life insurance is almost entirely out of question. Sorry dude, you are 33 and have hypertensive kidney disease. If you told me you were 77, it might be a different story, but I don't see a life insurer going out on a limb for you right now. 5-10 years of good control, maybe. If guaranteed issue policies are available in your state, that's an option to consider. I think your best bet is to listen to your doctors and focus on your health so you can see your kids graduation. Good luck.

Insurance question? -

2008-08-28T20:29:00.355-07:00

I have an HMO plan and i took my son to the doctor for a regular check up. I paid my $20 copay. He was supposed to get his regular shots but he had a fever so they couldnt administer them with his high temp. so they scheduled me for a week later to have the nurse give him the shots. When i got there they tried to charge me another $20 copay. i figured i shouldnt have to pay for something they could have ordinarily done the first visit and i wasnt to see the doctor anyway. Was i right or wrong? Well, MY office, if I don't see the doctor or a PA, I don't pay the copay. I HAVE gotten shots at a seperate time, with no copay. I don't think there's a right or wrong here, though, I think each office can make up their own policy. You sound reasonable. Explain to them again. A similar situation happened to my daughter. When I got the bill for the extra co-pay,and I questioned it, they reversed the charge. Bottom line is if they can GET you to pay it, they will... I went for an MRI, they screwed up, and I had to come back. I had to complain to them before they decided to let me off on the second co-pay. I think if you complain a little they will let up on the co-pay. I say wrong. It is another office visit. It is not billed in conjuction with the other visit. Copay is a per visit thing. Just my opinion though. That was nice of the office to 'write it off' for you...they only did that to keep you as a customer. Unfortunately, you should have had to pay the co-pay.

Where is the best place to compare travel insurance products and find the best value? -

2008-08-28T20:29:00.354-07:00

I am interested in worldwide travel insurance to cover multi activity, baby and US travel. But I want to get the most for my money, not just the cheapest I would call an insurance broker - they have a range of policies that are half decent. Internet policies (aggregator especially) tend to exlcude pre-existing medical conditions, terrorism cover and have high excesses (to get the price down) whereas a broker will offer you a better policy. One of the best cover wise is the BIBA travel insurance scheme - ￡40 excess per person per incident (not per section) with a ￡80 excess maximum per family. The annual policy is 45 days a trip. With regards to activities, quite a range is covered but a broker will ask you about higher risk activities and recommend a policy that covers them. try 1stoptravelinsurance.co.uk Money Supermarket - Travel Insurance http://www.moneysupermarket.com/travelin... But if you have a pre-existing medical condition I would suggest you contact a local broker. Try Squaremouth. Its a comparison site that has sort by price, sort by best benefit and policy side by side comparison. You can also filter by other things such as hazardous sports. http://www.squaremouth.co.uk. There is also a USA site which may be worth checking out due to the good exchange rate at: http://www.squaremouth.com. Based on your question, I just want to warn you that a bunch of people are going to suggest to you that you check out a company called Squaremouth. Please be advised this company is notorious for posting their spam here. It has been a big topic of discussion among a travel forum that I subscribe to. Many of my fellow travelers have been directed there, only to find they do NOT have the best deals. I think they must pay people to lurk in yahoo answers and get themselves some free advertisement. If you want to email me privately I will point you in the direction of some honest folks who have been in the biz for 30+ years and can get you a good deal and lots of options. Also, avoid insurance offered through travel agents and the post office. Here's wishing you a safe journey!!! If you will email me. I can give you several very excellent companies.

Can a community support agency withhold pay for hours worked because medicaid did not pay company for hours? -

2008-08-28T20:29:00.353-07:00

Community support agency failed to verify approved hours that NC State Medicaid would pay for services rendered. Medicaid did not approved services, therefore agency did not pay workers for hours already worked. In my opinion staff work for community support agency, not the state. Since the agency allowed staff to service consumers, should agency be responsible for paying employees. Absolutely unless you've signed a contract and there is some fine print. Turn them in to the better business bureau and ask them what else you can do to insure you get the money owed you. What does the contract say? You should contact your state labor board and file a written complaint.

How much can u make selling life insurance? -

2008-08-28T20:29:00.352-07:00

Well I offer life insurance to families. I have do so for about 4 years and been in the business full-time for about 4 months. It depends on you individual effort. You can make alot of money providing families with protection of the loss of income due to a lost of a loved one. $20,000 in 4 years on a part time basis. I have been lazy to be honest, should have been a whole lot more. My next 4 years will be much different. You should be interested in helping people, movaited, a people person, and coachable. clearly, there are people who do very well selling life insurance. and, my nephew tried it. He lacked people skills that the company couldn't teach and decided the answer was "not enough". There's no cap. Yep, it's possible to make millions, even your first year. It's not likely. Most people can't sell enough to pay their licensing fees, and wash out. But there's no cap. The amount is unlimited on what you can make. I suggest you become an independent agent not a captive agent. Your potential for making more money is much, much greater. And you can also build your own agency and have other agents work for you as well, thus multipying your income.