 What is Paternity Insurance? |
| Heard david lee roth had it and i was ... |
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 Life Insurance, any suggestion? |
I have a stable income now and i wanna to do a little investment to secure my life. i heard life insurance would be good for first step.
There are so many options out there, i have no idea ... |
|
 My fiance' recently passed away in a motorcycle accident,? |
| his motorcyle insurance cancelled a month before he passed he was at fault , and the other party insurance company sent me a letter stating that his estate must pay for the damages to other party, ... |
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 What do you think about Insurance Agents? |
| And what do you think about your Insurance Agent, that is if you even know who he or she is?... |
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 A question about an insurance settlement? |
| My wife was hit by another car about a year ago. She broke two fingers quite badly. She had 2 surgeries, temporary pins, and a year of physical therapy. Now the insurance company is ready to settle.<... |
|
 Take the Accident insurance money run? |
1998 Camaro z28 Convert .
I hit a pole in a parking lot at about 10 MPH or so,
Called my insur and they told me to take it to get an Est or to take it to thier reccomended shop.
1st ... |
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 How i can an insurance agent ( advisor). what are qualification required for insurance agent ? |
| as i want to be an insurance agent and i required phone no , email id of the person who can appoint me as insurance agent ?... |
|
 Can my brother add me to his health insurance? |
| I understand that without knowing which carrier my brother has it's not possible to know the answer for sure. But in most cases would my brother be able to add me to his insurance? He works at ... |
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 How to terminate my insurance policy? |
| i've 2 policy insurance, life policy & investing policy. now i have finance problem, i really cannot afford the premium. so i want to terminate either one of these 2 policy. if i terminated ... |
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 Urgent help needed. Insurance claims? |
A shop manager has been has asked by her employer to lie in a letter for an insurance claim.
-The claim is for items that were shoplifted, while the manager was not present, which is exactly ... |
|
 Does car insurance really go down when you get married? |
| I have heard that insurance goes down once you get married. Is this true? If it is, how much? Is it significan't? Do you have to be married before you turn 25 for this to apply? I have heard so ... |
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 How should I pick a company to buy life insurance from? |
| So many companies offering life insurance... how should I determine which one is the best to ask for a policy?... |
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 What is an annuity? |
| How do they work?... |
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 Should employers be forced to carry health insurance? |
QUESTION:
With the cost of health care,
DO YOU THINK EMPLOYEES SHOULD PROVIDE provide group health insurance for employees to buy? No matter how small the group?
(i.e., ... |
|
 Can anyone tell me abt a good LIC Policy? |
I want to buy a LIC policy , which one is better pls suggest
for EMI-around 24000 yearly
or 12000 half yearly or 6k for q
any help will be highly ... |
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Mimi | Do I need to get tested for smoking to get health insurance? |
Im not a smoker but I can have the occasional cigarette with friends |
 |
 
wartz
 |
It would depend on the policy of the insurance company. |
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bebes
|
As long as your shopping for health insurance...you should consider a discount healthcare program instead. My husband and I go that route, and it's cheaper than paying for premiums, deductibles, copays, and coinsurance costs. Check out the website www.mybenefitsplus.com/40545943 the plans start at $19.95/mo per household.
And they could care less if you smoke..:) |
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liorio1
 |
There is no test currently in use. You will be asked if you smoke and you should be honest and say the occasional 1 or 2 per week or whatever. You will not be disqualified for insurance purposes. Besides there is so much chatter about second hand smoke causing damage, no one really knows the difference. I had a cousin, who never smoked a day in her life, who contracted emphysema; figure that out. |
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Julimk
|
No, you don't need to get tested.
As an applicant for insurance you are required to answer the questions on the proposal honestly, so if it asks 'Have you smoked any tobacco products in the last 12 months' or similar, the honest answer if you have had the odd cigarette is 'yes' though there should be a follow up question along the lines of 'if yes how many?'.
In practice the insurance company is likely to take your answer at face value. BUT if a claim is submitted, especially in the early years of the policy, they are likely to ask for a complete copy of your medical records.If you have ever told a health professional that you have ever smoked at all it is likely this is in your medical records (you can ask to see your medical records).
If the insurer sees your medical records & they show you have smoked, however little, and you answered 'no' it will probably 'avoid' your policy, which means it will cancel the policy from the beginning & reject the claim. |
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liquidator01uk
|
Very few companies will insist you get tested - they're more likely to get you to complete a declaration about your health and habits.
If you lie and then ask them to fund treatment for something caused by anything you lied about they wouldn't cover you.
End of the day, all you're likely to do is pay higher premiums if they're bothered that you have the occasional smoke |
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Steve B
|
They will be only too happy to take your Premiums .. and won't questions anything UNTIL you claim ... then they will go through every medical record they can find in an attempt to wriggle out of paying ....
PS "the occasional cigarette with friends" means you are a smoker = even if it's only one cigarette a week .. I suggest you decide to give up RIGHT NOW .. then you can put yourself down as an 'ex-smoker' .. |
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aires69uk OFFICIAL
|
I have absolutely no idea but I would be very surprised if you didn't get tested. Regardless of the fact that they may or may not test, if you say that you don't smoke when you do have the occasional ciggy, then you are being untruthful and run the risk of your policy becoming void in the event of a claim. |
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sony
 |
No need, but you have to state it at the beginning |
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Wendy S
|
Whether they test or not (which depends on the company), you have to be honest. Even a few cigarettes occasionally make you a smoker for insurance purposes.
You must be honest because if they find out later that you are a smoker they can deny your claims, even if the claim isn't related to your smoking. It's called a "material misrepresentation", in that if they would have known they would either have not issued the policcy, or issued it at a higher rate, if not for your misrepresentation that you were a non-smoker.
Then you would be stuck paying medical bills out of your pocket, which is a very risky endeavor.
The good news is that if you quit completely and stay away from cigarettes for a year, many companies will re-calculate your rates.
Good luck! |
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☆ღWifey Wifeyღ☆
 |
I sell life insurance and we do the test right in my office. But niccotine only stays in your system for 12-48 hours, so you'd probably pass. |
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Christa
 |
the insurance company that i work for doesn't require such a test! |
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