Bankers life interveiw should I bother? -

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

Rent money i need help have become disabled? -

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

Can someone suggest a homeowners warranty company? -

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

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

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

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

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

Shipping questions? -

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

Why i smy disbility benefit more than SSI? -

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