 Need good advice? |
| So I was in a car accident -other driver's fault-just some rear end damage-approx 3500 worth of damage. My car has now been in the shop almost one month and i keep getting the run around -i ... |
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 Do I have Life Insuarence? |
| How do I find out if i have a policy?... |
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 Health insurance needed? |
| I need health insurance for my husband and myself. I keep getting denied because I had a hip replacement and torn rotor cuff repair. I also take 4 meds daily[hormone replacement. anxiety,bld ... |
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 Who knows the answer to this question:? |
| I have a policy with 21st Century Insurance. I also have a teenage son in my house who uses my car to go to school everyday. He is not on my auto insurance policy and he caused an accident yesterday.<... |
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 I can't get health insurance now can i? |
| I have already seen a doctor about a problem but it hasn't officially been diagnosed. I have a hospital appointment next month to see a specialist. on health insurance websites it says ... |
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 Will private insurance company survive in India? ? |
| In Global financial crisis, as a trust based industry ,how do they overcome?... |
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 Help with a home insurance claim...? |
we want to claim on our home insurance but have never done so before, what is the best thing to say and will they come out personaly to check we are telling the truth?
also how often should we ... |
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 Can my health insurance company refuse to pay for my son's broken arm because it happened at the neighbors? |
| My son broke his arm playing at the neighbor's house. Can my insurance company refuse to pay for the medical expenses? We got a letter stating that they wanted us to use the neighbor's ... |
|
 Can you rephrase this in English please....? |
I asked about insurance covering an IUD that costs approximately $400 with an in-network provider.... this is the answer I got:
It would depend on your going to an in-network provider, ... |
|
 How will this speeding ticket affect my insurance? |
| I got a speeding ticket today for going 80 in a 75. I'm 20 years old. I got one when i was 17 for going 37 in a 25. If age matters. This raised my insurance a little bit. Will this one raise it ... |
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 If someone vandalizes your car, will their insurance company pay for it? |
| This guy threw something at my car, and i was able to get his license plate number. He was later arrested that night for felony vandalism, he is being charged by the state for the felony vandalism, ... |
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 Insurance? |
| I am carried under my mothers insurance because I am in college currently and unmarried. I am pregnant though, so when I deliver, will the baby be carried under my mothers insurance also? Capital B... |
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ross m | Captive insurance? |
good or bad idea |
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Doing the Right Thing
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Sure. Its a good idea. In case the other inmate beats you up, molest you, or kill you, you will receive insurance money (or your family will receive it if you die.) |
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felineroche
 |
Are you asking if they are a good idea financially or ethically?
Basically they are insurance companies set up by large companies who pay gigantic insurance premiums as way to claw some money back. Not for the average guy. |
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taketwo
 |
what's that? |
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ShellyG
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I've noticed the Farmers insurance agents have a pretty good deal. They are considered Independent Contractors. Their contract states that if it can be placed with Farmers then it must be (no shopping every single piece of business that comes through the door plus increasing your contract value with them). If it doesn't fit though, you're free to market it to where ever you please (keeping all the insured's lines of business with YOU :>).
If you go captive, make sure you know what all they will and will not write. It's a pretty soft market right now, so lots of companies are writing just about anything that's not along the coastline, but check with other agents in your area to see what they've been able to write for the last two-five years or so. |
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sloppy chops
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Errr I am not exactly sure what you mean |
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Nimbus
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I run a captive for one of my companies, the cost of running the business is substantial but allows me to have the benefit of good risk managment instead of giving to an insurance company |
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Susan C
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That depends on the company. I have been a captive agent for a large company specializing in the Senior Market for over 5 years. I wouldn't be a broker for anything. If you are confident of the product you sell for the captive company, and know that you are selling not only a great policy, but a great company, then you can focus on learning just the policies they sell vs. learning a little about all the products that you may be able to get them. Much better understanding of claims, benefits, and underwriting. I love it, and wouldn't change for anything. Not even more money. |
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mbrcatz
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Being a captive agent narrows what you can and can't do - I'd never recommend it. |
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dan.freedman@btinternet.com
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Captives are excellent where the company is in a specialised market and they are large enough (fleet wise) to justify the expense.
The definition of a Captive is
A captive insurance company is, in its simplest and purest form, an insurance company that only insures all or part of the risks of its parent. |
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