 What type of life insurance do you recommend??? |
| I am male, 37, non smoker, 3 kids, working wife, make about 72,000 a year.... |
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 Do I need public liability Insurance ? |
We are starting a service that matches companies to website designers. Its an online service.
Theoretically there could be issue between the companies meeting through our service. Would we ... |
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 I am currently medically insured through my husband's company, my new job offers free insurance.? |
Hello and thanks in advance.
I currently have medical insurance thru my husband's company. I just started a new job and they offer free medical insurance to their employees (not their ... |
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 What type of Life Insurance is best for my husband and I? (We just purchased a home, we are both 23 years old) |
| My husband and I are both 23 years old and we just purchased a home. We have been under pressure from our Insurance Agent and our Mortgage broker to obtain Life Insurance in case something happens ... |
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 Do you know anybody who has faked a burglary to claim insurance? |
| did they get away with it. i know someone who did, should i have told insurance company.... |
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 COBRA Insurance question? |
| My wife currently carries our family insurance with her company. We were wanting to have another baby on her insurance and she is wanting to quit working in Jan. If that is the case we would ... |
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 What are your thoughts on insurance's.Do you feel they are just a scam in disguise? |
They all want your money,but then when you need it,there's always a catch,or some reason they come up with, to keep from giving you the money..
Additional Details
I think there main ... |
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 I'm self employed, where can I find health insurance? |
| I would like to find a provider that will pay 50% - 80% of my medical bills and all that good stuff. Where should I start looking? Who is best to go with? Is there anything you think I should go ... |
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 Where can I purchase individual health insurance? |
| It's actually for my mom who is 63 and needs some type of insurance until she is 65 and eligible for medicare. She just retired. Does anyone know good, reasonably priced plans that she can look ... |
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 My Insurance claim? |
Early December 2006 I dropped my pc down the stairs.
I just got a call from the Insurance people and they say that I will get a letter from the underwriter before wednesday?
Why ... |
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 My wife sadly passed away last week ...? |
| After a long and sad illness and I sent a death certificate to the Prudential to claim under her life policy. I rang the Prudential today and went through to an Indian Call Centre where I enquired ... |
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 Can I buy a Life Insurance Policy on someone I don't even know? |
Seriously.
For instance, If I took out a policy on Bob Barker, I could expect a payout in about three to five years.
Can I insure someone without their knowledge or permission?<... |
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 Life insurance: Which would you pick? |
Scenario: 30 year old purchasing a $250,000 policy. Would you buy:
A) Whole life insurance that cost $3100/year. By age 65, you will have $60,000 in the cash value.
B) 35 year ... |
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 How much is too much to pay for health ins for a family, through you employer? |
Almost 400 a month is taken out from my check to pay for insurance.
Additional Details
Had an HMO and switched to PPO to save money. Ended up paying about the same because the rates went ... |
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 What is covered under your home owners insurance? |
| I have a main wall in my house that over time hase become week due to high winds. I can actually see the wall move, i have a big moon window and a crack going done. I have folks out who hae told ... |
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 Life Insurance from AIG!? |
Hello,
I have a life insurance from AIG. If AIG goes bankcrupcy, what will happen to my life insurance?
What should I do now?
Thank you!
Additional Details
Thank you ... |
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grizzeybear1 | Does it make sense for a wealthy person to pay for health insurance or just invest their money & pay for? |
health needs of the interest of their money? Please, no junktastic answers. Only if you have true knowledge in finances. Thanks so much. :D |
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mbrcatz
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Insurance is a financial tool. Wealthy people USE financial tools. It's STUPID to risk $500,000 in a potential major medical claim, when you can pay $300 a month to avert it.
The thing you have to factor in is RISK. The down side to the risk of NOT having health insurance is a major down side. You can't invest the "premiums" you'd pay, and expect to be able to come out ahead of the game - especially as you age. |
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VATreasures
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In addition to pooling the health risks, health insurers are able to negotiate better rates from health care providers. So by paying for insurance you are at least theoretically benefiting from the negotiating leverage that the insurance company has. |
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Dr. Deth
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what if you get cancer or even a heart attack or stroke could wind up costing $100,000's of dollars as opposed to less than $1000/month for a full premium on a family plan (a lot less if the person actually has a paycheck job with health benefits available |
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triciawin87
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Yes, any accident can happen and could end up costing you way more than if you had health insurance in the first place. |
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Robert A
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It is a good point about the negotiating power of health insurers. However as a general point about insurance, insurance companies are in business to make a profit and pay out less on average than they take in. It may be the wisest approach to only insure on things one cannot comfortably cover in the event the worst happens. For the very rich who want to be choosy about the particular care they receive it may well be best not to insure. Policies often have limitations and restrictions on what they will pay out for and in any event are not the all embracing cover they might seem. Big businesses very carefully examine what they insure for and what they do not to avoid paying through the nose to a financial service industry which tries to sell insurance for everything and anything. |
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Andrea B
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Sometimes hospitals charge people with no insurance more fees and more for general services than those with insurance. Health insurance is always a good idea, plus you don't have to shell out hundreds of dollars every time you go to a doctor's appointment. |
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Joseph C
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They should have it. |
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