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 How much "pain and suffering" money to expect from an insurance settlement?
My wife was hit by another car about a year ago. She broke two fingers, which sounds trivial, but they were broken quite badly. She had one surgery where pins were inserted to heal the bones, and ...


 Insurance Types?
Is there a type of insurance that covers any type of damages you cause? Specifically destruction of a mattress.
Additional Details
Destruction of a mattress not owned by you, :P...


 Why does the market fail to provide health insurance to 30 million (+/-) Americans?
http://www.cbo.gov/ftpdo...


 New job doesn't offer benefits, where can I sign up for them?
I have been offered a new job that is a great opportunity and more money in the restaurant industry. The only problem is it does not come with health insurance. I am in my late 20s. Is there a ...


 Am I able to take my Series 6 and 63 exams on my own and are the tests the same in various states?
I want to become an insurance agent. I know i need the 6 and 63 licensing and I want to go ahead and take the test now. However, I am not sure if the licenses are accepted in every state. I guess I ...


 How much would a physical cost without insurance to join a sport in school?
...


 Can you get penalized for switching auto insurance after just getting auto insurance?
i currently am insured with geico, but i just got a quote through progressive and they gave me a better deal. i have had geico for only a month, and now i'm convinced i wanna change it. I'm ...


 How can you how do you find out if someone has mortgage insurance (not PMI) on a home?
...


 National insurance co-operation company of great britain?
has anyone in the uk ever heard of this insurance company if so please tell me how i can get in touch with them i have this address but i don't know if its real or fake can someone help find the ...


 Do I need to wait for my current insurance policy to expire before I go with a new company?
I want to switch to a different insurance company for my cars & house (currently with State Farm) but I have a while until my current policy is up for renewal/expiration. Can I cancel my current ...


 Can i add my neice to my health insurance?
my sister doesn't have a job and of course her and her daughter doesn't have health insurance. she asked me to put her daughter on mine. i don't have a problem with this but can i ...


 Any insurance people out there who'd like to help me figure out what health insurance to get?
I guess I could ask someone at an insurance company, but I'm trying here first.

I'm in college so I can't afford to eat much less have health insurance. I don't even ...


 Engagement ring insurance? Has anyone done this and how?
Here's the thing: my fiance actually WASHED the apparaisal certificate in the laundry by mistake, and now it looks like crap and has holes in it (obviously, it's paper). However, you can ...


 Hospital Bill... what to do?
So my mom just got into a car wreck and she was in the hopital for 2 days and the bill came out to be $50,000. Well, my mom got in the wreck when she was out of town, in California. Well, she came ...


 If i am 591/2 can i get all my 401 will i be charged anything?
...


 Does insurance cars have the right to investigate old inusrance policy with other companies?
Does insurance cars have the right to investigate old inusrance policy with other companies?
Hello, My car was stolen from me and did not get anything from insurance company because I was not ...


 What type of Insurance license do I need to sell Aflac in PA?
Would it be life/health or property & casualty?...


 Buy life Insurance gauranteed acceptance?
...


 How to verify an electrician's liscense and insurance?
How does one go about verifying an electrician's liscense and insurance coverage? What I read says to ask for a copy of the liscense and insurance coverage. Is there a database to search to ...


 How much does disability insurance cost?
my 28 year old non smoking healthy wife who works at a computer for 30 hours a day was quoted $130 per month for $3000 per month of disability insurance. is that reasonable?...



rick g
Accident and dismemberment supplemental insurance?
im looking for a supplemental insurance company tha pays you back some of youe monthely premium when you dont have a claim for that year. does any one know the name of a company?
                     
 




Brent J
Rating
you wont find that feature on a true accidental death and dismemberment policy, you could find it on a life policy, disability policy and some other forms of insurance. Generally the terms needed for a return of premium is several years vs just one year. There are a number of companies that may be able to offer you a product to meet your needs. The first two that come to mind are METLIFE and AIG. CHUBB may also be a consideration depending upon the actual type of insurance you need. Disability insurance if you can afford it is much more desireable than the other types of insurance mentioned as your more likely to become diabled than to die but the life insurance protect is still very important if you have a family that would suffer catastrophic consequences upon your untimely death.


dhornquist
Rating
Some disability insurance policies have a refund of premium if you dont file a claim. I would personally shy away from accident and dismemberment policies and look for a disability policy that pays for lost income not an accident policy. Your medical insurance will cover an accident. Illinois Mutual is a good blue collar disability insurer. Principal is a good white collar insurer. Provident may be a solution for you as well.


teatreefriend
Contact me at healthlifeinsure@yahoo.com. You are looking for a return of premium plan. There are various different ways to get your money back.

Also, there is a bridge or gap plan that will pay you back when expenses are applied to your out of pocket expenses.

Also, AFLAC pays you money for things that happen to you that will help you pay not only related expenses, but those expenses that are not covered under insurance. You do not even have to have other insurance in order for AFLAC to pay!

Email me, I CAN HELP YOU!!!!


anna_ruseva
Rating
Yoy want the money in end of the year or something like that? It doesn'y exist yet.


psoeffing
Rating
I've never heard of such a policy, but I am only familiar with insurers in New York State.


mbrcatz
Well, the reason why they pay you back is because they overcharge you to begin with. And you're not guaranteed a pay-back, it's only if the company makes money on that line of business for the year. And it usually takes 18 months AFTER your policy expires to get the money from them. AND, it's usually for policies that are at least $5,000 in premium.

IF you're still interested, look for a regional mutual company that writes that line of coverage, or find an agent that writes for Cigna.


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