 Let's not have universal health care but just make health insurance more affordable? |
| and have the insurance companies take out take all these pre existing condition clauses. Then we don't have to worry about giving health care to illegals or higher taxes. Does anyone agree with ... |
|
 I need Health Insurance!!!? |
The problem is the my COBRA Health insurance is going to run out within 5 month.
It cost me $380 per month, for me only.
As of October 2006, my COBRA health insurance no longer covered my ... |
|
 Some one is calling me from an insurance company!!!!!!!!!!!!!?????... |
| some one keeps callin me from an insurance company they would like to meet me for 15 minz and its all free...and they say its a new insurance-based savings plan i dont understand that they say this ... |
|
 I pay more than $10,000 per year for Health Insurance, does that sound reasonable? |
I'm self employed and gross about $105,000 / year.
Have wife and 3 small children. (wife stays home)
Premium for family is $857.41 / month and increases about 11% per year.
M.D. ... |
|
 When customer say am not interest ?? |
| after you furnished your detail about your product which has to be sold ... |
|
 Could i sue? |
| the place i'm working at will be closing down tomorrow. could i sue them for improper notice. they just told us yesterday that our last day is tomorrow. is there anything i could ... |
|
 Cheapest health inssurance? |
i need a health insurrance , so could any1 kindly tell me plans and all or somw websites though which i could figuire out which 1 to take..thanks..
Additional Details
common..what all ... |
|
 In an insurence settlement once you sign the check, can you go back & try to get more from the insurence co? |
| We got a check from your insurence company for a few hundred dollars from hurricane damage. We cashed it. Can we try to get more from them now if what they paid was not enough?... |
|
 I'm really upset...? |
| a car slammed into me from behind while i was waiting at a red light in february.... i had major headaches and neck pain, esp muscle tension.....i couldn't exercise normally.. so i had to go to ... |
|
 Travel insurance to spain how much should i pay? |
| i am going for 10 nights with wife cant afford much ... |
|
 Recourse for falling off cliff on private property? |
Additional Details
I am purchasing a house with a cliff in the front yard and just want to make sure that my legal exposure is not too ... |
|
|  |
hero | Does accidental death and dismemberment insurance pay off, or are you just wasting your money? |
|
 |
 
b_plenge
|
It's like all insurance, you get it and hope you never need it. I get it through work, costs me 62 cents every 2 weeks. So if I am wasting it I can't think of much else I can do with 31 cents a week. |
|
Bright Future Penguin
 |
Hi, your friendly insurance guy here, again! :)
As a general rule I advise my clients against getting the Accidental Death and Dismemberment (AD&D) rider on a policy. If you're ready to pay extra, get more face value that pays off in ALL cases rather than extra that pays more only in a specific situation. |
|
DrB
 |
Pretty much a waste. |
|
jorod03
|
Remember it's called accidental death insurance for a reason. Read the fine print. They have many definitions for accidents and dismemberment. You get practically nothing for partial dismemberment. If you can have some use of the limb the insurance doesn't pay. If you sky dive or have a risky job you're not covered. There are many exclusions. |
|
mamatohaley+1
|
It is so cheap I figure it can't hurt. I am young so I figure if I am to die it would be an accident. |
|
Sparkles
 |
My mother was given $78,000 when my step-dad died in a car accident. She only paid $27.00 a month for it, and it paid the funeral expenses and all the bills. She had a little left over for a cetificate of deposit. |
|
redzmoore
 |
Its better to have a traditional whole life policy because there is a 1 to 1 ratio that you will die one day, which is guaranteed. There is about a 450 to 1 chance that you will die in an accident. Its a long shot that you die in the accident unless you are that 1 out 450 people who will die in the accident. Get the life insurance policy from a mutual company like New York Life. You can put a accidental death benefit rider on the policy if you like. Yes, the type of poliy you listed are a waste of money. |
|
fernandes_winston
|
Accidental death and Dismemberment Insurance is a rider on basic insurance. You pay extra for the more money you get, provided a certain thing happens.
Insurance is risk covering, its spreading of risk over a group of similar risk effected people.
Insurance is required, if you appreciate the risk. |
|
nelson_devon
 |
Of course it pays--like all insurance. |
|
AriesJWR
|
Of course it pays off, subject to policy provisions. I would never buy it as a stand alone policy. You can add it as a rider to some auto insurance policies for all members of your family, $10,000 in insurance (doubling if you wear your seatbelt) for as little as $2 every SIX months per person. If you're going to pay less than 50 cents a month it's not worth NOT having it. Good luck! |
|
Wayne T
|
It pays if you have an accident. This is guaranteed by state law. If you get sick and die, it pays nothing. Accidental death can usually be added to life insurance for a very small additional cost.
The guy that says he's an agent, I wouldn't listen to him, the additional cost of accident insurance would not buy a significant amount of life insurance. |
|
jennifer s
 |
If you are getting it through your employer for cheap then it's worth it if you have a family. I have kids so I have it and its really cheap. In my opinion, if I die, its an accident. They don't see it that way, but I would like to know that if I am killed on the way to work my family is taken care of. |
|
johnlb
|
Insurance companies make money buy charging the average person more than the average person will cost them. In other words, in the average case no type of insurance will pay off.
You are betting that you will suffer from accidental death/dismemberment and the insurance company is betting you won't. And the odds are in the insurance company's favor.
The main benefit of any kind of insurance is that the bulk of the cost of people who really need it is being paid for by people who don't need it. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
13 | 31 minutes(s) ago
| | | |
11 | 47 minutes(s) ago
| | | |
9 | 3 hour(s) ago
| | | |
13 | 4 hour(s) ago
| | | |
11 | 6 hour(s) ago
| | | |
13 | 10 hour(s) ago
| | | |
13 | 2 day(s) ago
| | | |
13 | 6 day(s) ago
| | | |
13 | 2 week(s) ago
| | | |
13 | 2 month(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
