 Insurance Questions, 5 weeks pregnant. Hubby switching jobs....? |
| I am 5 weeks pregnant. I purchased geisinger ins Jan 1st 2007 and then dropped it Jan 31st 2007 since there maturnity coverage was horrible! My hubby has had the same ins for years Blue Cross / Blue S... |
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 Prudential insurance and Allstate which one is good for life insurance? |
| I 'm going to get a life insurance. I'm thinking between Prudential and Allstate. what do you think about both of them if you want to get the good service and comfortable.... |
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 I was trying to find out if the doctor was in-network with an insurance company.? |
| They said - 'It is possible that the provider is contracted with the insurance company for their fully-insured book of business. That does not mean that the provider is in-network for this ... |
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 I failed my first attempt at my state exam for Prop and Casualty Insurance...needed a 70 and got a 64.HELP? |
| Need to know how to pass it on the next go round?...I have been studying like crazy and felt I knew the material ,but the questions were really hard!!... |
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 If you get insurance through your parents will it be canceled when you get married? |
| My brother's girlfriend is 19 and she gets her health insurance through her mother's job. She and my brother are thinking about getting married. Will she lose her health insurance? My ... |
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 Health insurance vs. taxes for public health care... which would be better? |
| I am currently paying a TON in health insurance, with deductables that aren't that great... and I HAVE NEVER BEEN IN THE HOSPTIAL... this seems to be the earmarks of a very inefficient system...... |
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 How long should a flood insurance claim take? |
| Chris N asked this but didn't seem to get a full answer. Another guy had 6 months for a fire claim. Why does it take so long?... |
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 Open enrollment for health insurance is here and I need help deciding what to do? |
| My options are to enroll in a new insurance plan where I am insured thru the hospital where I work called a UMR EPO. This is new and they tell us many hospital organizations are grouping together to ... |
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 What would be your case for socialized medicine in the USA? |
| I want it now. The benefits far outweigh the costs with 50% without healthcare insurance, and how many without Prescription coverage? Want the case FOR, and if you can debate the cons, even better. A... |
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 Car Insurance Company? |
| Which car insurer allows all named drivers to earn their own no claims bonuses so that if one named driver has an accident the other driver doesn't become affected? Thank you ... |
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 House Insurance? |
My house insurance has been cancelled.
Does anyone have any names of insurance carriers
that would I could apply to.
I have two dogs a german shepard and a mutt. That was the reason ... |
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 How do I know that my husband put me as a beneficiary? |
| MY husband and I are having issues and he just started a new job to where he has to elect new insurance. How do I know that he has even listed me as the beneficiary instead of everything to his ... |
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 I broke my arm while working. My boss promised to claim insurance for me but disappear. How can I seek help? |
| I broke my arm after my 5th day working in a cafe as waitress. My boss promised to help me and to claim insurance but end up disappeared. He closed his cafe. I tried to call him but in vain. What ... |
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 What insurance company gives insurance to a permit driver? |
Additional Details
the california state law says, for example if i am going to football practice and i have a note from my instructor saying i am allowed to drive myself to practice and ... |
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 Should i pay the excess for a flood from an upstairs flat ? |
| i currently own a 2nd floor flat & 3months ago the flat above sprang a leak from the bathroom & damaged my kitchen,bathroom. my letting agent got onto theres & they have admitted ... |
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 If someone is killed via capital punishment does that override his/her life insurance policy? |
| If someone is killed by the law/government via capital punishment (gas chamber, firing squad, lethal injection, etc) can their dependents or surviving family members claim their life insurance policy?... |
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 Change Auto Insurance Providers? |
| Is it a good idea to change auto insurance policies once every several years? Just want to make sure that I am not exposing myself to vulnerability by staying with the same provider.... |
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sokrates | Do you believe that husbands or wives with the necessary wherewithal are obligated to have life insurance? |
I have life insurance on myself to protect my mate or child in case I die. It is often difficult to make the payment for life insurance and some friends have told me to drop the policy and not worry about what happens to my family after my death. But I feel that I have a moral obligation to leave my mate or child something, in case I die. What do you think? Should I cancel my policy or keep struggling to pay it? |
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baremp
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Whoever told you to cancel your life insurance I'm sure was not a widow.
This is important to you and your child and your spouse. Seek the advise of a life insurance professional.
Imagine, if you are having trouble making a monthly payment, how hard will it be for your spouse to pay ALL the bills when you are gone. |
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Foff
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Look at it this way. There is NO replacing you!! But, if God forbid something were to happen, you wouldn't want your family to struggle as result.
Life insurance is expensive but you have to look at the alternative. Do you want your kids to be deprived? Your family to be impoverished? Force them to make decisions out of sheer desperation? You are investing in their future with your policy. That is precisely what caring and prepared people do for their loved ones.
The alternatives you have in lowering your payments are investigating other policy options. Term insurance is ALWAYS going to be more affordable over any Whole life product. Accidental Death and Dismemberment is also another affordable option. But just like the name, it will only cover you in the event of an accident where as Term and Whole life cover any cause of natural death or accident.
Other simple changes in your lifestyle can also bring down your montly premiums. So take a look at all those avenues in trying to lower your monthly expenses. The very best of luck to you!! |
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bdancer222
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If you are struggling to make the payments on the insurance, you should review what kind of insurance you are paying for. There are all sorts of policies and some are not such great deals, particularly if you think you are also building some kind of retirement.
Plain term insurance is usually very cheap. You don't build up any cash value or have any fancy extras. But if you die, your family gets the money. |
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golferwhoworks
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pay it. your child may need all they can get over the years. |
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james m
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Don't listen to anyone who tells you to just drop a life insurance policy. He or she is ignorant about insurance, and probably needs an interview with a professional agent.
What you need is a Financial Need Analysis to help you determine how much insurance you need to keep your family "in their own world" fiancially, if you were taken out of the picture. Also, you may have the wrong type of policy for your particular circumstances, and could be paying too much for the amount of coverage that you have.
What you should consider also is Disability Income insurance. Chances are greater that you will be disabled before age 65, rather than dying. Unless you already have coverage, if you are sick or injured and can't work, how will you pay the house payment or rent, or put food on the table and pay the utilities? Even if you are declared disabled by Social Security, the monthly payments do not begin until the sixth month of disability. (Five months waiting period, payments begin the following month.)
Speaking of life insurance being a moral obligation, read 1st Timothy, 5:8. A man who does not take care of his family is worse than an infidel (unbeliever).
Our responsibilities to take care of our families do not end at our death. We still need to provide for them even after we are gone. And if we love them, that's exactly what we will do.
Best wishes, and God bless. |
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bud68
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Keep it. Your friends are wrong. |
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mbrcatz
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I think you probably have a whole life policy, and should look into getting a quote for term life, at approximately 1/10 of the price. |
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