 Where can I shop for health insurance? |
| I need to purchase health insurance for my family. Where do I go or who should I call?... |
|
 What will happen to my money if any private insurance company bankrupts in india.Will IRDA pay my money? |
| If any private insurance company bankrupts Then whether IRDA will pay the money.This can be possible company is showing false solvency rate for a long time.The solvency rate the company maintains ... |
|
 My insurance coverage (through father) ends in 2 weeks. I need insurance and have an existing condition.? |
| I think it is going to be hard and expensive to get covered for health insurance with an pre-existing condition. I looked into Cobra and found that they do not need to cover people with existing ... |
|
 I want to buy health insurance .kindly advice ? |
| I am looking to by individual policy i am aged 32 ... |
|
 Who offers the cheapest health insurance in the US? ? |
| I currently have Blue Cross Blue Shield but I am sure there are more reasonable health insurance package out there.... |
|
 Did you know your insurance company can decide not to pay your claim? |
| You pay for insurance today but never see what was promised until the day there is a claim. You trust the insurance company. But what if it decides to pay less than the claim, or none of the claim? D... |
|
 Health insurance for 1 person? |
| I am considering getting a job that does not have health insurance benefits, however they are willing to pay a little bit more so I could get my own. I was wondering what is the cheapest (but best ... |
|
 Question about arson and insurance fraud? |
Ok,
I have began investing in real estate. I was speaking to another investor at a REI club and he told me something that shocked me completely. He said that he bought a house for $5000. It was ... |
|
 My mom recently passed and DID NOT name a beneficiary.? |
| Her husband cannot be located, He has been gone about a year. Can the children collect as the next beneficiary. In fact Mom indicated in her will what she wanted the children to do with the ... |
|
| Do you have to be married to be the beneficiary on a life insurance policy? |
| Does the person listed as beneficiary on a life insurance policy have to be related by blood or marriage?... |
|
 Which of two Life Insurance Policys should I keep; which to discard? |
I currently hold two life insurance policies on myself. They are both for the same amount, here are the differences:
Policy #1 costs $68 per month.
It is WHOLE Life, 20 yrs, with C... |
|
 What is an umbrella auto insurance policy? |
| I'm 19 and still live at home. Are my parents still, in any way, liable for my actions? How would this determine whether or not I should get an umbrella? Are umbrellas cheaper? I really don'... |
|
 Does this seem like a fair settlement? |
Were rear-ended in our car past April (almost totaled the car).
Daughter (16 @ time) and I had whip-lash plus I had a compressed nerve (tingling both hands).
Started chiropractor & ... |
|
 If my neighbor has a wood stove fire and it burns down her house and mine and kills someone in my house in the |
process and she has let her insurance lapse, who pays for the wrongful death in my home? Would it be my liability coverage?
Additional Details
Biker, I might have a liability condition. ... |
|
 Can i getback my stolen things? |
| I have lost everything in a house robbery, can i get these things back?... |
|
 Visitors in USA - no medical insurance? |
I have my parents visiting me from abroad and my father needs to go see a Doctor immediately for Heart Condition.
He does not have any insurance in US. What can we do? Are the hospitals OBLIGED ... |
|
 Wife pregnant can she be added to my medical insurance thru my job? |
| at my job i got kaiser permanente insurance....shes 6 weeks along the pregnancy .....i don't want here Thur medi-cal ...ill rather have here Thur kaiser.....can she still be added???... |
|
|  |
FromTheTop | Does having an STD make your LIFE INSURANCE higher? |
I want to ask a couple friends about getting life insurance. They don't know that I know they have an STD. I don't know how to handle the whole situation....any advice? |
 |
 
Lola
 |
All of your medical information is collected into a giant data base and the insurance companies have access to it. With that said an STD shows careless behavior and that would put you into a higher risk category for life insurance. I doubt if they cared how you contracted it, just that you have it. I used to do insurance physicals and that is one of the questions we asked potential customers.
They don't have to adhere to the HIPPA laws. They share information with health insurance companies. |
|
john .
 |
I know it affects health ins. rates but I do not know about life ins. |
|
Prep
|
Not sure but any thing that affects your health probably would make your insurance higher. If the STD is life threating than I would talk to my friends about their situation in a polite manner and tell them that you only brought it up because you care. |
|
Boges
|
depending on which one yes it does... |
|
Suzanne: YPA
|
Some STD's definately do require underwriting action. HIV, of course, is the primary one insurers are concerned about. However, other STD's can increase a person's mortality, such as syphilis, particularly if it's untreated.
If you have any questions, you should be able to call the insurer and speak with an underwriter.
FYI, the MIB does NOT collect information from health insurers, as has been suggested here. It only collects information from life insurers. So don't worry, folks, you can go to the doctor in confidentiality! If you want to know more, go to: http://www.mib.com/html/consumer.html |
|
deep5223
 |
If you are an insurance agent, you should have an underwriting guide that tells you what conditions might lead to rating or denial. If not, call your underwriting department and they can tell you. As the agent, all you can do is ask the questions, put down what they tell you and schedule the paramed exam if needed. It is up to them to be honest and not try to commit fraud with the company. Being dishonest can lead to not having the coverage when they need it. You should share this with them in a non judgemental way. |
|
iDan
|
Yes, it is still possible to get life insurance, but it depends on which STD. If it is AIDS, then forget it because I don't know any companies that will even consider that. However, if it is say herpes, they may still be able to insure you.
Important thing: if you are say, 37 yo, they can rate you up so that you pay the same as eg 57 yo. I advise you to look around for premiums, and then you can start bargaining. |
|
mbrcatz
|
AIDS is an STD . . .
Yes, it does. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
8 | 11 minutes(s) ago
| | | |
8 | 34 minutes(s) ago
| | | |
8 | 2 hour(s) ago
| | | |
8 | 5 hour(s) ago
| | | |
8 | 6 hour(s) ago
| | | |
8 | 7 hour(s) ago
| | | |
8 | 10 hour(s) ago
| | | |
8 | 1 day(s) ago
| | | |
8 | 6 day(s) ago
| | | |
8 | 1 week(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
