 Should i get earthquake coverage on my condo insurance? |
| I live in St. charles missouri. I just moved here 2 years ago, and we only have tornados , i dont think this is an area for earthquakes. I just signed up for condo insurance with statefarm, and i ... |
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 Must my Life Policy beneficiary have an insurable interest? |
I am confused, some people say yes some no. I understand it this way, correct me if I am wrong:
If I buy a policy on my own life, I become the owner of the policy. As the owner, I can name ... |
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 Insurance, the govenment is bailing out those uninsured! So why bother having it.? |
It is a joke, that we the tax payer have to bail out those who cant be bothered. Pathetic.
Pensioners etc. is fair enough, they have family who should help them first, if not then they ... |
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 If a person opens a daycare, can they get health insurance, if so how much would it cost? |
| I've heard of Aflac small business, and i was just curious if they had others, and what would be the best to get, that's if you could get health insurance like that.... |
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 Health insurance- dependent coverage, prenatal covered? |
| I was just wondering if prenatal is ever covered for a dependent "child" with health insurance? Does it depend on the company?... |
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 Pre-existing condition? |
I have been in turmoil with the temporary insurance company I purchased a policy from a year ago.
Last January, I had a pain in my side for about a week that wouldn't go away so I ... |
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 Car insurance? |
| Is insurance cheaper on older cars?... |
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 Wife wants life insurance for husband that refuses physical and he's 75 years old |
| I am writing this on behalf of my mother. My parents are still married (she is in her early 50's) and my dad is 75. She already has 90K universal life on her husband through metlife, and was ... |
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 How do I live to see another day? |
| I need 50g for my surgery by 2moro, but I can't afford it. I'm 57 and I had to sell all of my assets and pretty much everthing i own I also had to take out most of my money in the bank. My 6... |
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 Long term care insurance - John Hancock or Genworth? |
| Which is a better company to go with, any thoughts? Long term care insurance is so expensive and I don't want to make a wrong decsion, thanks for your help!... |
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 When going to the emergancy room, are the deductable and copay the same thing? |
| I have United Health Care and my copay for a broken ankle at the ER is $100. I paid the copay in the office. I got a $300 bill sent to a collections agency for my deductable. I wasn't aware that ... |
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| Insurance wont cover baby!??!!? |
| im on my parents insurance and have 100% maternity coverage, but their insurance wont cover the baby after he is born! anyone know what i can do?? If i dont get anything how much would it cost for ... |
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 How much should I settle for with insurance? |
| Me and my family was in our car and a woman ran into us. It didn't cause alot of damage to the car the damage was $652. We got that fixed. Anyway I went to the ER with pain and was told I had a ... |
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 Home insurance quotes??? |
| I have just moved into my flat and would like to take out contents cover insurance (i am only renting the flat) what do i need my policy to include????... |
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 Will I get penalized if I have a gap in health insurance for a couple of months when enrolling in new program? |
| When I started my job, the health insurance provider (Cigna) made a big deal about asking me about continuity of care, meaning whether I was covered by another health plan up until I started with ... |
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 Life Insurance Surrender Value Loan? HELP!!!? |
| I have a life insurance policy I need to borrow against. I know you can take a loan against the surrender value of your policy. Does anyone know which financial institution I can go to for this ... |
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| Will my homeowner's insurance cover this damage? |
| I live near Pittsburgh Pennsylvania. We had terrible wind storms last night from the remnants of Ike. Wind gusts were up to 80mph. The winds ripped some shutters off of my house and completely ... |
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 How to get insurance to stop ignoring you? |
| So a few weeks ago i hurt myself on my landlords property. I filed an incident report but they seem to be avoiding talking to me. I also called a personal injury attorney and one of them wanted me ... |
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beachbug | Best place to get life and critical illness insurance for a mortgage? |
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Bradley S
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Mortgage protection life insurance has its place; it offers a degree of financial control after you pass. Sure, you can get a standard life insurance in the same amount as your mortgage, but who’s to say that’s what the money will be used for? Grieving family members do not always make the best investment decisions. And, unfortunately, disreputable financial advisors often try to take advantage of survivors. Mortgage protection life insurance guarantees that the insurance money will be used to protect your largest asset, your home. It guarantees that your family will have a roof over its head. It is also recession-proof. Many people think that if worse comes to worst, the family can always sell the home to retire debts or pay medical bills. As the housing slump is showing, this is not always the case. Even worse, the value of the home can plunge below the mortgage balance, creating “negative equity” in the home. Mortgage protection life insurance solves this problem, too. It will retire the mortgage, no matter what the home value is. The family will own the home, free and clear. They can then sell it at a reduced price and still realize a huge profit. Finally, policies can be written to include a terminal illness rider, paying off the home in the event that the policyholder is terminally ill. Rather than losing the house because you are no longer working due to terminal illness, you will be able to pay it off while you are still alive. |
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Rachel C
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Just been looking myself - while it's not the cheapest, HSBC has got the best claims payout % - 92%. Industry average is only about 80%.
At the end of the day, no point getting a cheap policy with a slippery bunch who won't pay out. |
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insuranceguytx
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from an agent.
An agent will earn a commission even if you buy your insurance from a website. Buying online means that you don't have anyone to turn to when you have a question or a problem with your policy. |
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Ahwell
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Go to one of the comparison sites on the net. Just search for 'Life and critical illness cover' and you'll find them. |
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Brent E
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life insurance is the best thing to do, critical illness stuff is mostly ineffective, not broad coverage.
Term life to cover a mortgage is typical, and low cost. go with level term instead of decreasing term as it costs very little more and you keep the same coverage benefit amt the entire term. Your mortgage will go down over time so you end up with some extra life insurance which will help if something happens to you. |
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ladywoodboy
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just get the life policy, critical illness policies rarely pay out, save your money |
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