 Insurance!? |
| We are in the process buying a home and we ARE going to get homeowners insurance but I was just wondering if they make you get it? Also I was wondering if anybody knows if I live on a flood plain if ... |
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 Insurance question help? |
| I am wondering what is considered a preexisting condition?I want to get insurance and i have been to urologist probably five months ago but i would like to see a family doctor. Is this considered a ... |
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 I have a offer in ALL STATE INSURANCE PLC. at Nigeria after applying through Times job. Is it true or scam? |
| Its suspicious as there is no intereview or anything. I just send my cv and they send me the offer letter. Though they donot ask any money or anything till now.... |
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 Safe is broken after 5 years-Is company liable for damage? |
| No names, but the national company claims it is a "limited" warranty for 3 yrs. Weld on hinge plate actaully gave way, whole door topples out. Shoddy piece of **** craftmanship they don�... |
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 How and why is it that insurance companies can charge interest on unpaid premiums? |
| I have to agree with the Muslims here; interest is evil. Especially when you're paying interest on such an intangible as insurance, and statistically, I probably won't even use it.... |
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 Do I have to add my roommate on my auto insurance policy? |
| My roommate and I each have a car but we don't share the same insurance policy. He has his own and I have mine. I just got auto insurance for my new car and the agent was telling me that I ... |
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 Are there any websites or companies that give leads / referrals for insurance queries? |
Additional Details
I am not talking about customer care. If "X" has a insurance need and he logs in a website "Y", and "Y" send the details of "X"... |
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 SIr, I have taken a LIC Policy in my mothers name.She is know 49 Years.Plan is Market+ Pension. ? |
| Agent told that after 5 years( 10,000 p a x 5 yrs) , she will get 8,000.00/pm as pension. So please confirm the details regarding pension( 8000 pm).... |
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 This has gotten complicated...? |
| Because of a condition ( sckitzophenia ) , the only reason I have ever had health insurance is because I have lied about my condition. As soon as the "s" word comes up I am either canceled ... |
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 WILL MY FATHER(TRIPLE BYPASS PATIENT) LOSE HIS HOUSE( OR/ANDEVERYTHING)DUE TO NO INSURANCE? |
| My father is a retired mechanic(owned his own business). He is 61 years old(62 in february) He is a wisconsin resident. He has a home with equity but the home is his only asset. He didn't ... |
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 What is the best business to run within my insurance agency? |
| I have an independant insurance agency in Arkansas and would like additional sources of income. What business would be profitable and co-exist smoothly together?... |
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 I need help friends! I am interested for medical insurance, but i dont know anything, plz suggest me!? |
Idont know which policy is good and plz also tell me if i do a insurance after how munch time i can claim for that?which is smallest time priod policy and how much i have to invest for that.
A... |
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 I need insurance leads? |
| i am not getting any business I need leads where should I go? I sell Life insurance and home auto ... |
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Ellie | 27, single, no kids, great health, should i get term life insurance? |
I spoke to an agent and he recommended life insurance (since in the future I plan on having a family, kids husband). Term insurance for 10 20 or 30 years is pretty cheap ranging from 10-16 bucks a month for me, whole life is A LOT more. I understand the rate for whole life will just keep going up as i get older, but he said it would make sense for me to get term just so I can take the medical test and in the future 10 years (or before the term life insurance expires) I decide to get a whole life policy with the same company (met life) they would still quote me a premium at the health I had when I got my term policy (in case my health were to worsen)....
Am i Making sense..
So basically he sa |
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Financial JUSTICE
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Yes, but get life insurance long enough where you have no more debts, no one dependent on your income, and have time to save for retirement.
Base on situation, I recommend getting a 30 year term insurance that is guarantee renewable and is convertible into another term insurance. You don't want whole life insurance at any point in your life because that is expensive and a waste of money.
You can learn more about whole life insurance here: http://finance1o1.blogspot.com/2008/08/whole-life-insurance.html
While you have term insurance, you should consider investing your money in a Roth IRA. While the market is doing poorly now, it is the best time to invest since the price per shares are very low. That means you can own more shares for your money. While you can't predict how the market will perform in the future, history has shown that the market has always rebound. The best way to offset your volatility to market fluctuations is by investing using Dollar Cost Averaging http://finance1o1.blogspot.com/2007/03/investing-tip-dollar-cost-averaging.html |
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Kay
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Only life insurance to get would be "Term Life." But who would be your beneficiary? Your insurance agent is simply trying to make his commission. |
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countrylovin
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Put your $ in a Roth IRA instead. |
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src50
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Yes, get level term insurance, but make it a 30 year policy while you are still young and in good health. |
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katiesquilts
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I agree with Country lovin. Put the money in a Roth IRA (or similar set up). At this point, you're just throwing the money away in a term policy. If you can afford it and really want the insurance, get a whole life policy. Also, does your employer offer you 1x your salary as a benefit? If you're single, that's really all you need. Put the extra policy cash in something that will really benefit you in the future! |
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Worldly25
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Get the policy. It will cover the cost of funeral and debts you leave behind, |
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mbrcatz
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What's the GOAL of the insurance?
To buy a product now, just because it's cheaper, is DUMB if it doesn't meet one of your financial goals. It's just like going to Home Depot, and buying power tools, because, of course, they're cheaper now.
Set the goal first. THEN select the products that meet that goal. You're being SOLD. |
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