 Which life insurance is better? |
Assume husband and wife are 30 years old
A) Whole life insurance
Husband: $75,000 coverage
Wife: $75,000 coverage
Total coverage: $150,000
Monthly premium: $113/month<... |
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 Can I take a life insurance policy out on my daughters Father? |
| He's out there... His luck may run out.... Who will support pay for his costs and help me with Our Daughter? What's the best policy to go with? How much do people usually take out? P... |
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 Do insurance companies pay for hospital stays if coverage stops while in hospital? |
| My wife is pregnant and going to deliver March 30th. She was fired from her job on the 1st and got to keep her coverage thru the 31st. Since we will be in the hospital for 4 days but wont get out ... |
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 Why do vets ask for vets fees paying in full? even for emergancies?..whats the point in getting insurance? |
When a pet gets ill not everyone has the money to pay for a vet...myself included.
I thought with pet insurance they pay the vet and i just have to pay the excess which is £50
B... |
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 What is it REALLY like to be an independant insurance agent? |
| I am 52 years old and was a social worker for 13 years and worked for oil companies for 8 years. I am 52 years old and have been offered a job to work for AFLAC and possibly Farmers Insurance Group ( ... |
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 Insurance? |
| I have to make up an insurnace company for me webdesign class and build a website about it. gahhh i don't even know what insurance is. how boring! I have to have 3 info pages. one on an ... |
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 How can I get FREE Insurance???? Please I really need help :(? |
I need free Insurance so bad. Its hard for me cause i dont have anyone to help me and my dad no longer covers me for his insurance cause i just turned 20.
Please how can i apply for Free I... |
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 Life insurance? |
| My mom has term life insurance for 10 years for New York Life.. is it true that in 10 years, she'll be able to renew it another 10 years? Won't that be more expensive? Also, what happens ... |
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 Can someone in a car accident be given a donation? |
| If someone is in a very bad car accident, being driven in a taxi, can they be given donations? What are the quickest and fastest ways to set up a channel to receive donations? Please consider ... |
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 With a life insurance death benefit, does the face amount divided by premium tell when it is paid for 100%? |
This death benefit is 10k, and the monthly premium is $40. 10k/40 = 250 months, or 20 years
Or a 5k benefit with $40 premium would be 10 years?
So I am betting I will die before it is paid ... |
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 What does AIG fall mean to my Life Insurance Policy? |
| I know that AIG is still liquid but there is a lot of speculation on their future. I have a 30 year life insurance policy that I just bought last year. What does this all mean to me? Is there ... |
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 Does insurance cover the cost of scoliosis surgery? |
I found out the scoliosis surgery cost was 100,000 dollars and was just wondering if medical insurance covered any of the cost?
Additional Details
Thank for the info i sure hope ... |
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 Can I be denied insurance? |
| I am currently getting health insurance from Health Partners through my mom's employer, but I will be losing my coverage at the end of the month, since I got married. I applied to continue ... |
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 So what happens when you find out your pregnant and don't have Maternity coverage? |
Hi,
My husband and I found out we were pregnant in February, the pregnancy was unexpected, even though we did use contraceptives (birth control pills). Unfortunately, my health insurance cut me ... |
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 Health insurance for dummies?? (that dummy would be me)? |
| Ok I'm leaving my parents coverage in a few months and am scouting health insurance companies....thing is...I have no clue what they are talking about!!! The thing I am most confused about is ... |
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stan | Double house insurance query?? |
Having moved house in March 2007 i have just found out that having initially moved my house insurance over to the new property i am still paying insurance on the old property.
Swinton have told me that the insurer will claim that the property will still have been covered during the 6 month period and that i will not be able to get reembursed for any monies i have paid.
Is this right,surely i am not to blame and that it was swintons job to cancel the old cover once the change of address was notified.
Additional Details
The policy on the old house expires on the 29th sept 2007 so all the premium will have been paid,can i still get a refund of the 6 months i was not at the house? |
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simplesimon
|
Techically, they are probably within their rights to do this - a change of address and insuring a new property doesn't necessarily mean that you no longer own the old property. It depends on the details of your policy (check to see if it is compatible with buy-to-let) - but it is entirely plausible you have changed billing addresses and own several properties...
However, if it is a genuine mistake on somoenes part (even yours) I would be amazed if they didn't do some sort of reimbursement. Speak to manager and complain politely, yet firmly - make it perfectly clear you will move to another insurer if this isn't rectified (indeed, move to another insurer if this isn't recitified). |
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Queen B
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i don't know where you live, but i have never heard of transfering a homeowners policy from one property to another unless it is a renters policy. if you own the homes a new policy would have to be written on the new house and the old policy cancelled. if it is a renters policy and you haven't had a loss, just get them to move it and make sure its done in writing this time so you have the proof and its not a big deal. i think i personally would be looking for a new agent or company if this happened to me. |
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JOHN R
 |
It is your job to cancel the old insurance or to ensure that someone else does it on your behalf. However I would be very surprised if you could not get a refund if you make a polite and reasonable case for reimbursement. |
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Chris
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You can only try,but you should have checked as well. I don't think you have much hope. Always check you DD and SO monthly. When mistakes occur, it costs money |
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Margarita D
 |
If you sold your prior residence, all you need to do is show the proof of the sale (i.e. a copy of your settlement statement) and sign a request to cancel the policy effective the date of sale and your agent or insurance company will cancel the policy back to the date of sale and refund any unearned premium to you. Since it is over 30 days the request to cancel will have to be processed manually so it will probably take about 3 weeks but it will not be a problem.
Good Luck |
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squirtycream
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If they value their customers, they will backdate the charges.
I have had a lot of experience of home insurance, been selling it for over 10 years and most places will refund if you provide proof of dual insurance. |
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looking4answers
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I work for a insurance company. Many times a customer does a change of address and still wants to keep their old policy enforce. If I were you I would get a letter from my lawyer showing the date that I closed the sale of my old home. Then send that to the insurance company asking them to backdate your cancellation. When you have proved that you had no need for the insurance, they will give you a prorated refund. As long as your old policy was not with in a certain amount of time to it's next renewal( usually 30 - 90 days). You are entitled to a refund, but you do have to document it. |
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