 If you were injured 5 years ago can you still sue someones homeowners insurance? |
Additional Details
The deal is that i hurt my lowerback lifting a cement bag on my brothers,father-in-laws property,and a bunch of my family members thought that it just wouldn't ... |
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 Insurance scam.?? |
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 HELP! Car Insurance!!? |
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 How do I become an Insurance Agent? |
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 Loans and insurance ? |
| Got a letter today about the bank not having proof of insurance on my car which I paid for with a loan. It is dated the 19th, today is the 27th, so I got it 8 days after the sent it. It says they�... |
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 Are you as astounded as I about the bailout of AIG? |
I know its an economic move that must be done, but it annoys me that taxpayer money is used to rescue a situation created by irresponsible deg regulation and greedy selfcentered crooks.
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 What does Term Life Insurance mean with no surrender value? |
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 My insurance company paid for services at a certain level and say they paid too much, and want a refund.? |
They covered me at the same price for over 13 visits and now say I owe them.
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 Auto insurance says they are terminating me for late fees, but I paid them already? |
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 Disability Insurance? |
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 Will home insurance cover a wet cell phone? |
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 Which is the best life insurance policy in USA.? |
| I am student and I wish to take an insurance policy so that my parents could benefit from it incase of any bizzare circumstances happening to me. I am not a citizen of USA, I wish to stay for ... |
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 Health Insurance? |
I'm doing an assignment on health insurance and I wanted to know why is it a good thing to get health insurance?
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 Insurance settlements, and how much do I ask for??? help!!!? |
| It is manditory for me to see my chiropractor 3 times a week, for 12 weeks until my spine is better. He said he is considering my injury a spinal dislocation of some kind. I am now ready to negotiate ... |
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 How much condo insurance should one get? |
| if i have a condo that i want to get insurance for, what is a good amount? the condo is 1215 sq ft w/ 2 bath & 2 bedroom.... |
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 Is there any way to get financial assistance for prescriptions even if you have insurance? |
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 Has anyone had trouble with american general life insurance telling you your policy will be will no good soon. |
| american general life told me my policy would be worthless soon and then tried to sell me a new policy with triple the rate and also take all my cash value from my old policy (without telling me).... |
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 *****Is pregnancy considered a 'pre-existing' condition to health insurance agencies? HELP! NEED ANSWERES!? |
We plan to marry so the baby and I can get covered, I just found out last week and dont have an Dr. Appt until the end of Sept. Would it be considered pre existing if we wait til after the Dr. ... |
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needknow | Can I own two life insurance policies in the same time? |
Do I get payment from both insurance companies depending on how many I insured or it will end up no one pays the bill?
Currently I have a life insurance and long-term disable policy from work. I heard that it is better to own life insurance and long-term disable policy outside of the work, in case suddenly loss job. My question is if there would be problems when claim the benefit.
Thank you for your advice. |
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src50
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You can have multiple life insurance policies (i have four). LTD is a different matter - that might lead to problems in determining which is primary payer. |
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Michael F
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There atre no limits as to the number of policies an individual can own, the question underwriters look at is the current amount of life insurance face amount outstanding on your life compared to your insurable interest. For instance, if you have an income of lets say 40k per year, and you apply for 3,000,000 of life insurance, one application is enough to be declined, as it may to much insurance compared to income. Basically, as long as you remain within the threshhold, you will be ok. That's why if you have an agent/broker to work with, he/she would advise you accordingly.. |
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dddelapp
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Yes you can own several life insurance policies however only up to limits on your debt and potential earnings, roughly.
(e.g. a homeless and jobless man can't buy a $1,000,000 policy).
Many folks do own policies outside of their work, although we as a country are way under insured for life. Combine the coverage between work and personal to arrive at the corrct amount.
As far as Disability coverage, the benefits if you need to collect are 100% taxable if provided by employer so a separtae policy makes sense.
Claims are always investigated by the Insurance Compnay and the variations are great, however the first TWO years in general are the key for investigations into fraud etc. That said, I have had clients die in the first two years and their beneficiaries have gotten the full death benefit. |
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Great Days
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You can own two or more life insurance policies.
Suggest you declare your existing ( active ) life
insurance policies when you get a new one. |
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BT
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ou can have as many as you can afford. As long as your premiums are paid up at the time of loss, the companies must pay out reguardless of any other policy you may have. Combined Insurance is an excellent company. Try the website www.combined.com |
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mbrcatz
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Yes, or even three or four.
Every life insurance policy in place at the time of your death, will pay out to your beneficiary, assuming the claims are filed.
No problems with claims benefits. |
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kittie_in_ca
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Yes, you can have multiple life policies and they will all pay 100% of the benefit (granted they need to be paid current). What you do need to realize is that when you apply for a policy, you must disclose all other policies you have.
For instance, you currently have a $50,000 policy but are now wanting to purchase a $500,000 policy. you will need to include the $50,000 on your application along with financial status to show that you can qualify for the $500k policy.
Hope this helps |
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