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 Hospital Bills/ Insurence Question?
My girlfriend broke her neck and she is 20 and a college student on her moms insurence she is getting hospial bills and got a letter from a collection agency today about paying and so on. and she was ...


 Can a State Farm Agent release info about my insurance payments to someone who is not on the account?
My boyfriend has his car insurance through State Farm and his State Farm agent called his mother about his car insurance and told her that he's behind on it. Can he do that? He's 25 years ...


 Have you always payed your house insurance without another quote?
I had been with one company for 15 years for my house insurance. Decided to have other quotes this year as I always do with my car insurance.Got the same cover for £100.00 cheaper per annum with ...


 Captive insurance?
good or bad ...


 How do i get cheap insurance for a BMW? Im 21?
I have 1 year no claims.
Additional Details
Its a 1 series coupe 120...


 Will any life insurance company insure my 75 year old grandfather.?
i jsut found out that my grandfather does not have any life insurance to help the family take care of his funeral and other expenses he will leave. I am the wise one in the family and would like to ...


 My house burned and i have no insurance. what do i do?
I have a rental house. my renters left their dryer on when they left and when they came back a fire had started...which did not burn the house down....but did a lot of damage....lots of smoke.........


 If I change car insurance companies to get a lower rate, does that look negative on my record?
I could save about $40.00 monthly if I switch companies. I'm just wondering if that will look bad on my credit or if it will have any adverse effects on anything that will be taken into ...


 We were robbed in Rome on Tuesday, now insurance co' are trying to wriggle out of paying us. any advice?
On the metro in Rome on the second day of our holiday we were robbed, my bag, purse, jewellery and a large amount of cash plus my husbands wallet and credit cards
The Insurance company are ...


 Want to put dad in life insurance???
I want to get life insurance for my father. Will I be the beneficery for him-after he passes away? Also, is a medical check required for this?

Thanks in advance for all of the positive ...


 Will life insurance pay a death claim if policy holder died from alcoholism?
the me ruled it a natural death due to acute and chronic ...


 Car insurance!?
how long before the policy expires does your insurance company send you the delightful letter detailing how much your insurance will cost for the following year!!

im looking around for ...


 How many people use the ER as their doctor because they can't afford a private doctor.?
What do you do when you earn too much to be on welfare and don't want to be on welfare and not enough to afford medical insurance?...


 I just purchased a auto insurance policy a few days ago. Can I cancel and go with another company?
At last minute, I had to get auto insurance with Esurance which I hate. But I really had no other choice. Can I cancel with them and go with another company that will give me a better deal?...


 Need good advice?
So I was in a car accident -other driver's fault-just some rear end damage-approx 3500 worth of damage. My car has now been in the shop almost one month and i keep getting the run around -i ...


 Do I have Life Insuarence?
How do I find out if i have a policy?...


 Who provide the best homeowner insurance and car insurance?
...


 Health insurance needed?
I need health insurance for my husband and myself. I keep getting denied because I had a hip replacement and torn rotor cuff repair. I also take 4 meds daily[hormone replacement. anxiety,bld ...


 Do insurance companies have insurance? Who insures them? Themselves?
...


 Who knows the answer to this question:?
I have a policy with 21st Century Insurance. I also have a teenage son in my house who uses my car to go to school everyday. He is not on my auto insurance policy and he caused an accident yesterday.<...



wamukavi jr
Factors affecting determination of insurance?
                     
 




mbrcatz
Rating
Gazillion . . . starting with, What type of insurance is it?


President, www.HSAInside.com
Health Insurance:
When purchasing health insurance or any insurance for that matter it is about the risk- "you are willing to take". As the policy holder, you must ask yourself some big questions.
1. If I got really sick and ended up in a hospital what amount would I willing to pay? This amount is referred to as "the Max. out of pocket"
2. If I buy a plan, do I want to pre-pay for services or would I prefer to pay only when needed? (HMO plans offer low Copays for services, premiums are higher because the consumer pre-pays for services in advance- Vs., PPO plans where you will either have no deductible or deductible plans with Co-insurance, Vs., HSA plans which are high deductible PPO plans, that offer the consumer the ability to open a account to save money tax free to pay for the deductible * money not used rolls over and stays in the possesion of the owner).
3. Financial Factor: most people purchase health insurance because of the persons net worth, people with high net worth are looking for high lifetime benefits, and very stable companies.


iLL_TeK_NeekZ
Rating
What Kind??

Auto = Where you Live/How Much You Drive/Where You Drive/+++

Life = Do You Smoke/Where You Live/Income/+++

House = Age Of House/+++


Michael B
What kind of insurance? Health? Car? House? You have to be more specific.


mamatohaley+1
Rating
Different companies use different factors. I know that is vague but is true. For auto companies use location, driving history, vehicle, age, sex, use of vehicle and some use your credit score


efrankdeniro
Yes, depends on the company


insuranceguytx
The number 1 factor is risk.

In auto insurance, to get the best rates, I want to prove to the insurance company that I will never have an accident, no tree will ever fall on my car, no flood will wash it away and no their will ever steal it or vandalize it.

In life insurance, I want to prove that I will live to age 175.


deep5223
Not enough info to answer.


james m
Rating
age health risk factors


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