 Do I have to get Home Owner's insurance? |
| I don't really know anything about buying homes, but I'm considering buying my first house. I've heard that you have to have home owner's insurance. Do you really have to get it ... |
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 Sheilas wheels car insurance, car insurance for women? Isnt that 100% sexist? Would male insurance be allowed |
I think not! some crazy women wearing comfortable shoes and a pair of dungarees would complain most vocally,
Additional Details
Listen to their adverts, do they mention male drivers? ... |
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 Question about Health Insurance?? |
| I wanted to get added on to my husbands health insurance, but the secretary who works for the company he does(it's a small construction company) says I can't get added until open enrollment ... |
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 Will my insurance company keep my abortion confidential? |
| If I do decide to get an abortion I don’t want my mother to find out. I will pay the 10% required right then and there but im curious will my mom get like a receipt of some sort in the mail saying ... |
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 Life Insurance? |
| Am I overreacting or is something really wrong here? My mother in law (husbands mom) went and took out a life insurance policy on our 4 month old baby boy. Instead of making my husband which is the ... |
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 I want life insurance but they ask the question about smoking and I have had a few cigars this last 12 months. |
They want to know if I have smoked in the last 12 months. I have, but I am not a smoker. One cigar a month does not make me a smoker, why should I get labeled as one?
How should I ... |
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 If I am on my parents health insurance policy, will they know why I went to the doctor? |
THe doctor diagnosed me with an std, will my parents find this out if I am on their health insurance policy?
Additional Details
fth106, i'm a 20 y.o. thanks everyone for ur answers!... |
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 Friend got hurt, has over 100,000 dollars in insurance bill,what should he do?? |
| My friend got shot in the leg two years ago, and he has like over 130,000 dollars in insurance bills cause he didnt have any insurance, are there any programs or anything he can do to help him pay ... |
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 Does life insurance kick in even in the event of a suicide? |
| I know all plans differ, and each plan differs per what you sign up for, but is there a scenario where a life insurance policy will still be paid by the insurer in the event of a suicide on the part ... |
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 Is there any point for a man in his early-mid twenties buying health insurance? |
| It looks like another $200-$300 or more per month that will make it harder to survive financially.... |
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 Is it a smart Idea to get a Life Insurance at the age of 21? |
Additional Details
I don't any dependents other than my dog, lol. I don't live a unhealthy life nor do I put myself in danger. I live an healthy normal life like any 21 year ... |
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 How can I have a baby if I can't afford the $20,000 to pay for the pregnancy? |
My husband and I want to have our second baby.
I had insurance with the first, but I no longer work for the company that provided my health care. We have no health insurance now. Last ... |
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Tan K | Difference between health and life insurance? |
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Christy
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Health insurance covers medical stuff - like doctor visits, medicines, ER visits, etc.
Life insurance is a policy paid to a person you choose (spouse, child, parent, friend) when you die to cover expenses such as funeral costs, debts, etc. |
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stalkin ya
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health insurance helps pay doctor bills while your alive,life insurance helps your family pay bills after you die |
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jelly-bean
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You pay for health insurance for doctors visits, hospitalization, for when you are alive. Life insurance is for when you die to leave money for those you leave behind to pay for your bills, burial, etc. |
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bishopguy06
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One is much easier to collect. |
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DALLAS
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health insurance is for when you are sick and go to the dr or hosp, or medicines and things like that. life insurance is for when you die, a certain amount of money goes to whoever is left behind -- family, spouse, children, etc |
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Ron@InsureMe
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Health insurance helps people pay medical expenses and makes it easier for them to see a doctor. Health insurance can protect people from having to pay very high medical bills. Many people who have health insurance get it through work. Other people buy their own health insurance or get it through publicly funded programs.
To put it simply, life insurance protects those who depend on your paycheck. If you die prematurely, life insurance provides your dependents with ongoing income to replace yours, until (or unless) they can live comfortably without it. It can also provide a timely emergency fund for medical, legal, and funeral costs, should family savings not be adequate to cover them. (After all, that golf-inspired Fairway to Heaven casket ain't cheap.)
It is a good idea to check with a qualified insurance agent before purchasing a health insurance policy. Health policies can get very complex and can hidden coverages/non-coverages. Try going to http://www.insureme.com/?Refby=614545. This web site will allow you to compare prices and find the best price and coverage. It is free of charge and they even give you the option to speak to local agents if you have questions.
I hope that helps!
Ron @ InsureMe |
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nurse ratchet
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Health pays for medical care. Life pays someone else when you die. |
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Matthew Z
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Life deal with mortality rates. Health, Disability, and Long-term care insurances deal with morbidity rates.
Mortality rates deal with statistics related to death, while the Morbidity rates deal with illness and accidents stats associated to a persons living to reach the accepted mortality rate. |
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esii
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there is a great difference between life and health insurance health insurance is suppoused to cover ur medical stuff but life insurance functions like a security seat belt for ur family by having life insurance policy ur family would have a financial assurance after yur death or even now a days there are various kind of life insurance that make it possible for u to have a considerable savings for changing it to annuities or use this fund during ur life but health is not so ........both of them are absolutely essential |
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saint joy
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Health insurance primarily covers your financial needs when you are ill or involved in accident. Life insurance is no longer seen as providing for your loved one nowadays, it is also seen as a protection against total permanant disability (TPD) and this means that if you are paralysed, your life policy will pay you the sum assured plus any attached bonus in installment for 3 to 5 years, depending on your insurer's terms and conditions.
So, in my opinion, it is wise to have both health & life insurance and keep to your budget so that you will not lapse the policies whenever it comes to paying for the premium. Take care! |
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dawn18417
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Most people that go bankrupt are in bad financial shape because they have no health insurance when they get sick.Health insurance is the most impotant insurance that one should have.Without your health there is no wealth. |
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dkf2222
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Life insurance is for when you die....you never see it, your beneficiaries do. Health insurance pays for hospitalization or what ever benefits you buy with it. |
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tigertiggerii
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Keep it simple - Life pays a death benefit to your heirs and Health covers your medical costs. |
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mbrcatz
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Life insurance doesn't pay out until after you're dead. Health insurance pays out to help keep you from being dead. If you GET dead, health insurance stops paying out.
There's a maximum amount that life insurance pays out - the face value of the policy. There IS no maximum amount that health insurance pays out. |
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MostChoice.com
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The other answerers have done a good job of describing the differences between health and life insurance, but I’ll add my voice to the crowd. Both life insurance and health insurance provide financial protection, but they protect different people. Health insurance protects the insured while life insurance protects the insured’s beneficiaries. Health insurance pays out while you are alive, and life insurance pays out (although you can collect early in some cases) when you die. The value of both health insurance and life insurance is what the insurance company pays out, but there are notable differences. For example, health insurance generally does not have a maximum payout (some health plans do have a cap, however), while life insurance does have a maximum payout.
As for the history of health and life insurance, health insurance is a newer product in the US. At the beginning of the 1900s, medical costs were low, so people did not need health insurance. Insurance companies were reluctant to offer health insurance plans because at that time they could not adequately predict the cost of insurance individuals, and they were suspicious of “moral hazard” – that a person who purchased a health insurance policy would then engage in riskier behavior. As the cost of health care increased and insurance companies developed more sophisticated risk-reward models, health insurance became more common.
One similarity between health insurance and life insurance is that usually in both cases the insurance company would prefer that you were alive and well.
If you would like to compare health insurance and life insurance plans available near you, try visiting MostChoice.com. You can review multiple insurance plans from over 100 insurance companies, and you can speak to state-licensed insurance agents – all without cost or obligation.
You can find MostChoice here: http://www.mostchoice.com/health-insurance.cfm
Hope this helps
Barnes@MostChoice |
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