 If a person opens a daycare, can they get health insurance, if so how much would it cost? |
| I've heard of Aflac small business, and i was just curious if they had others, and what would be the best to get, that's if you could get health insurance like that.... |
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 Health insurance- dependent coverage, prenatal covered? |
| I was just wondering if prenatal is ever covered for a dependent "child" with health insurance? Does it depend on the company?... |
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 Pre-existing condition? |
I have been in turmoil with the temporary insurance company I purchased a policy from a year ago.
Last January, I had a pain in my side for about a week that wouldn't go away so I ... |
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 Car insurance? |
| Is insurance cheaper on older cars?... |
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 Wife wants life insurance for husband that refuses physical and he's 75 years old |
| I am writing this on behalf of my mother. My parents are still married (she is in her early 50's) and my dad is 75. She already has 90K universal life on her husband through metlife, and was ... |
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 How do I live to see another day? |
| I need 50g for my surgery by 2moro, but I can't afford it. I'm 57 and I had to sell all of my assets and pretty much everthing i own I also had to take out most of my money in the bank. My 6... |
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 Long term care insurance - John Hancock or Genworth? |
| Which is a better company to go with, any thoughts? Long term care insurance is so expensive and I don't want to make a wrong decsion, thanks for your help!... |
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 When going to the emergancy room, are the deductable and copay the same thing? |
| I have United Health Care and my copay for a broken ankle at the ER is $100. I paid the copay in the office. I got a $300 bill sent to a collections agency for my deductable. I wasn't aware that ... |
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| Insurance wont cover baby!??!!? |
| im on my parents insurance and have 100% maternity coverage, but their insurance wont cover the baby after he is born! anyone know what i can do?? If i dont get anything how much would it cost for ... |
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 How much should I settle for with insurance? |
| Me and my family was in our car and a woman ran into us. It didn't cause alot of damage to the car the damage was $652. We got that fixed. Anyway I went to the ER with pain and was told I had a ... |
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 Home insurance quotes??? |
| I have just moved into my flat and would like to take out contents cover insurance (i am only renting the flat) what do i need my policy to include????... |
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 Will I get penalized if I have a gap in health insurance for a couple of months when enrolling in new program? |
| When I started my job, the health insurance provider (Cigna) made a big deal about asking me about continuity of care, meaning whether I was covered by another health plan up until I started with ... |
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 Life Insurance Surrender Value Loan? HELP!!!? |
| I have a life insurance policy I need to borrow against. I know you can take a loan against the surrender value of your policy. Does anyone know which financial institution I can go to for this ... |
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| Will my homeowner's insurance cover this damage? |
| I live near Pittsburgh Pennsylvania. We had terrible wind storms last night from the remnants of Ike. Wind gusts were up to 80mph. The winds ripped some shutters off of my house and completely ... |
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 How to get insurance to stop ignoring you? |
| So a few weeks ago i hurt myself on my landlords property. I filed an incident report but they seem to be avoiding talking to me. I also called a personal injury attorney and one of them wanted me ... |
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 How much is renter's insurance normally? |
| I already have insurance thriugh state farm and they do have renter's insurance but I'm asking people who actually do have it, how much should it be normally?... |
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| Health Insurance Scam? |
| I want to get my own Health insurance plan and get off my companies group plan. I was looking at many different plans online and have talked to quite a few agents. I wanted a well known insurance ... |
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Omar | How do insurance companies make profit? |
Yesterday i was shoping for an education policy for my daughter and i aproched one local insuarance company.i asked for asum assuared of 50000 over 5 years term.
i was told i will be paying sh 1481 every month for 5 years.that will be my total investement. in return i will paid as follows.
(a)5000 at the end of the each 5 years
(b) on maturity of the policy i will be paid my total investment plus 7.5%x50000x5.
When i looked at the above sum it looks this guys are paying me more than i invested . What profit are they gaining from me?
assum they get one billion customers like me will the company not run bankrupt or is there something i dont know? |
 |
 
I drive fire trucks
 |
Your kidding right? They make money from your premiums and assume that you are never going to file a claim. Are they trying to sell you an annuity or whole life/universal life policy? If so forget it. They are bad investments. They are assuming that the minimum interest rate will be 5%. That isn't the case. It can go up or down. You would be better off getting a 10,20 or 25 year term policy at a lower monthly premium (depending on your age) The younger you are the cheaper the premium. Take the difference of what you would of been paying and invest it diversely. Those policy's only benefit the agent. I paid 10 years on a similar policy that was worth $6000 and the end of 10 years. |
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chin
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people pay crazy high prices for it and few people collect in comparison to those who pay . the co. also have BIG investments. they own half the world. |
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ptstrobl
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That's not a term policy. That's investment grade life insurance, and the returns are not guaranteed. Read the fine print on the expenses inside the product. If you truly only need 5 year term (don't know why, but it's possible it fits your situation), then it should be pretty cheap. |
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mbrcatz
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"education policy" is that a type of annuity?? You posted this to the USA board, I've never heard of this.
Insurance companies don't have a billion customers.
Here's how they make money: 1. many policies cancel (end up not getting paid) before payout time. They never pay out. 2. Insurance companies INVEST your money. but 3. that's an amazing return.
ONe type of policy that promised that return, well, it was a CONDITIONAL promise, "if" the insurance company earns 15% you get half, then you "shouldn't" have to pay premiums any more, as the premiums will be paid by the policy earnings. Well, Guess What!! Earnings WEREN'T that high, premiums WEREN'T paid, and policies cancelled with no payout!!
Whoever the governing regulatory board is, I'd give them a call and check out that company. Because there ain't no such thing as a free lunch, especially with insurance. |
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pri k
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By the premium which u pay |
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Zach C
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the insurace company makes a profit by taking the money that you give them and investing it. they will then return some of their gains to you in the form of a dividend/building a cash value. this cash value grows on a tax defered basis so long as the policy is in force (you are still paying the premiums). as long as they are |
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