 What is the best option for personal health insurance? |
| I am recently coming to the end of my COBRA 18 month policy that I took after ending my last job. I am my own boss, and I am wondering how to go about seeing which providers would be a good fit. I ... |
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 Insurance sales / Career questions. I need advice? |
Hi. I am becoming an insurance sales agent. I am concerned because every company promises the world, and none of them really talk about how to get people to ask for what you are offering.
T... |
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 Getting health insurance over the age of 25? |
| How does the law work and what is it called for somebody who is over the age of 25 but still gets their health insurance paid through their parents until their parents die or stop working? Who ... |
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 Which health insurance policy is best? |
Hi Im going abroad for higher education(Europe)..
which health insurance policy would be best for me...
Additional Details
Im presenlty in I... |
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| Can men get maturnity leave? |
| hi, im a hairdresser of course with no benefits, like maturnity leave. my boyfriend works for lowes home improvement stores. im already getting domestic partnership health insurance through him which ... |
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 For Home Owner Insurance purposes, is an unfinised basement included in total square footage of the house? |
| Are Insurance company underwriters not supposed to include unfinished living areas of the house when determing my total square footage of house for replace cost purposes? My premium went up even ... |
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 How can i get out of my verizon contract?? |
| I signed up for a 2 yr contract with verizon wireless.. Now i am very unhappy with their service. They want me to buy the contract off. which is $350.00. How can i get out of this contract. without ... |
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 There are many factors that determine your need for life insurance; _______ ______ is just one? |
| There are many factors that determine your need for life insurance; _______ ______ is just ... |
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| Hurt on the Job? |
| I am self employed but we have to pay for helpers insurance while we are in the warehouse. Last week, I was hurt in the warehouse while moving my bundles of paper off the cart. I pulled my rotator ... |
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 Does a person have to buy homeowners insurance? |
| Sorry if this is a dumb question. I am not planning to buy a house for a few years as I am still in school. The thing is I have a pet chow chow and I understand that chows are on the "black list&... |
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 How does the insurer make profit on a whole life insurance plan? ? |
| The insurer sells you a whole life policy in which your earning cash value and interest. What are some ways that the isurer is making profit if the cash value and interest is your to use at any time?... |
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 My car got broken into and several items were taken. They're covered by homeowners ins. but I have no receipts |
| The Gps was taken, my cell phone, an mp3 and a bunch of cds. Will I need receipts for all of these things to get reimbursed by my homeowner's policy?... |
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 Minor accident, is settlement fair? |
| I live in NC. I was rear ended on an interstate off ramp by a tractor trailer. I had been forced to come to a complete stop because the 5-6 cars ahead of me had stopped. The tractor trailer was going ... |
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 How does health insurance work? |
| Can someone please explain to me how health insurance works. I'm 18 and I know i'm supposed to know how it works but I dont. I'm getting older and these are things I need to know. If ... |
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 Even if insurance won't pay for it, and I have two refills on my med., can it be filled? |
| Meaning, if I pay for the refill out of my own pocket, what would be the problem with my RX being filled "early"? My doctor did not specify that I had to make it last "x" amount ... |
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 Is this insurance fraud?????? |
| So a river runs through your back yard and its 150 feet away from your house. The flood waters start rising at 7:56 am. At 9 am you notice the water is rising fast. At 10:28 am you call to get flood ... |
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 Switching health insurance plans during pregnancy? |
| Here is the story.. Both my wife and I work and have own health insurance plans though companies. I planned to switch her to my plan during the open enrollment in August as mine offers better ... |
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 Is anyone else amazed by just how many different types of insurance/covers were meant to have? |
I mean..................
Car insurance
Bike insurance
Boat insurance
Death insurance
Funeral insurance
Travel insurance
Health insurance
Business ... |
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Sfe 4m Harm | Does taking a life insurance policy help ?? at my age ?? |
Im only 27 & this person introduced me a Life Insurance Policy (LIC) where il get the benefits only after 15 years & i pay them for 5 years in installments, where in it will benefit only after 15 years. It wud cover up even any accidential causes too. Shooud i go ahead with this policy ?? My first experience, as a single man. Im thinking if its worth investing in this or not. People who are aware of this already can advice please. |
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Hadley
 |
Life insurance is protection to provide financial support to those you leave behind after you die.
Do you have family that you support financially?
Do you have debts that need to be paid off after you die?
If not, you probably don't need life insurance.
Also, life insurance is not an investment, it is protection for those you leave behind.
Invest your money in other types of tru investments. You can get a better rate of return.
Remember, life insurance agents are salespeople. They make a living selling you life insurance so they get their commissions. Ask this person how much his commission will be on this sale? I bet it's more than you think.
If you are 27 you may have some money saved to pay off your final expenses and pay of your debt. Do you really need life insurance? Who would the death benefit go to?
Think about it before you buy a policy.
I hope that helps! Best of luck to you. |
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◄Rainy~♥~Rain►
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It is a good idea to invest in life insurance especially because the younger you are the cheaper the rate but be careful that is not just an accidental policy because it would only pay off if you die of an accident and not of natural causes. Also try not to get one that is an invested life insurance I would go with a fixed rate life insurance and if you are interested in investment then I advise you to invest on other things but not life insurance. |
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fj2002
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If you are single with no dependents you do not need life insurance EXCEPT for a small term policy of maybe around $10,000. This is to cover funeral expenses.
If you have $10,000 put away in savings I would even skip the term policy.
Life Insurance is to take care of dependents left behind - for investment purposes, use something else (like mutual funds). |
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mbrcatz
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What's the GOAL? Doesn't sound to me like you NEED it. LIfe insurance is NOT an investment - read the post below your question. You're BEING SOLD. |
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J
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Life insurance to provide for your wife, children etc in the event of your death - provide living expense for them, fund a college education for your children, even pay your funeral expenses. If you have those obligations then buy some term life insurance.
Don't confuse insurance with investments. If you want to invest money then invest in your company's retirement plan or mutual funds or even stocks - don't try to do that with some complex life insurance product. It will be very expensive for you and very profitable for the person selling it to you |
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