 Why are insurance agents never in their offices? |
| I've had State Farm for 12 years and had four different agents. I've never seen one in their office, nor have I ever met one. What are they doing?... |
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 What is the best insurance company that will give me a good rate, and good coverage for a 16 yr old teen? |
Good driving record with no incidents and and good grades with excellent attendance.
Doesn't matter if it's an online insurance company.... |
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 Should I or should I not? |
| I have been working at my current job for a little over a year. My boss is also a friend of mine that I worked with at another insurance agency, and when he got his own I followed him to work for him.... |
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 Help! I lost my Wallet!? |
Inside was my Driver's License, a Debit Card, Health Insurance Card, and my California ID. What's my first step?
P.S. Just got home from a 18 hour drive from Colorado. Im ... |
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 Auto insurance question? |
| if you leave your car running and walk away from it for a second and you see someone jump in it and take off while you run back and are hanging on to the door for dear life while they screech off ...... |
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 Does Whole Life Insurance Make Sense for me.? |
| I'm 42 married with 2 kids. I have $1.5M term life purchased through an irrevocable trust and my wife has $500,000 of term. We have no mortage, car payments and college savings are basically ... |
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 Does anyone work for Blue Cross Blue Shield? Explanation of Benefits Q....? |
Plan my wife and I are on: Blue Choise POS 10
My wife is 27 weeks pregnant. She has to go to Labor and Delivery because she had stomach problems, abdomenal cramping, and back pain.
<... |
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 Renters Insurance / Personal Property? |
| I am a college student and spend 9 months out of the year in an off campus apartment. I was wondering if anyone knows of cheap personal property insurance that would be good to look into to cover my ... |
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 If I was hit on someone property can I sue her condo's insurance company? |
| I'm already sueing the women who hit me with her car, but I am loosing a lot of money out of work now. I was hoping on some kind of advice that my lawyer hasn't thought of....... |
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 Is this insuarance fraud? |
| A friend of mine cashed a check from his insurance company that was supposed to be used to pay the anesthesiology bill for surgery. The check was made out to him and him alone. His disability ... |
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 Does becoming pregnant qualify as a life changing event for most insurance companies/employers? |
| Commonly, life changing events are listed as marriage, divorce, and birth of a child, ect. If a person doesn't have insurance and learns that they are pregnant, will most companies allow ... |
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 What kind of Life Insurance is there, where the payout is at least $1 million? |
Additional Details
can you please give me the names of the insurance companies - thank ... |
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 I am upset with Insurance company after a burglary.? |
| Insurance claim - does it seem fair or right , that our insurance company is replacing a £250 Sony camera purchased 2 years ago with a Canon £49. With the advance in technology over the last 2 ... |
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 Can someone explain term and whole life insurance.? |
| I have been searching for life insurance I am in my 30's already and have children. I am so confused about term and whole what is the difference and what is the best to purchase given my age.... |
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 My dog bit a family member and she has decided to sue our insurance company. what is the approximate amount? |
of money she can collect and can she sue me personally in addition to suing the insurance? Any info would be of grea help. Thank you
Additional Details
The reason for my question is ... |
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Michael T | How does AD&D Insurance differ from Life Insurance? |
I understand a little about how AD&D works (for example, if you lose a leg you get x% of your benefit), but who is it for? If I have Life and Medical Insurance, am a white collar worker, and do not engage in dangerous hobbies, why would I need it? By the same token, why not get AD&D instead of Life insurance (since the AD&D plan I looked at had a death benefit)? AD&D seems like a waste of money (of course I've just jinxed myself). Can someone please enlighten me?... |
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MoniqueLise
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I'd have to agree that AD&D is insurance that you don't need to have. It's low risk to the insurer, which is why they offer it at low cost (usually).
If you have ample life insurance (term is your best buy, as has been suggested) and good disability insurance, you are in good shape. If you don' t have these two insurances, AD&D is not going to give you sufficient coverage -- and you need to get them. |
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ontopofoldsmokie
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Get life insurance: level term- it's cheap and pays if you die. Whether it's via an accident or natural causes. Don't get whole life, variable life and any other insurance that tries to insur you and invest for you as well.
Get disability insurance: That way if you are disabled due to the loss of a limb if you are then listed as disable.
I stay way from special circumstances insurance. the special circumstances rarely happen and you can get the same coverage with better rates with those two insurances listed above.
Oh yeah, don't forget medical insurance. Of course, that goes without saying. |
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529s.com
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Accident insurance is good for people that do not have an emergency fund. If you have atleast 4 months of income saved up for emergency than you do not need this type of policy. |
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mkulda
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AD&D simply isn't worth the premiums you'd pay.
Most people don't die of accidental causes, so the only real value of AD&D is if you lose a limb, eye, etc. But, what are the odds of that happening.
Calculate the odds of you losing a limb (very low) and the odds of you dying accidentally (also very low) versus the odds of you dying (very, very high) and you'll see it is much better to buy a policy that you know will pay out for certain. |
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IAM2INSANE
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Example: Say you go on vacation. Your in a car wreck, you die.
Regular life insurance pays regardless of cause of death, other
than limitations for suicide. AD&D pays if your death is the result of any type of unnatural incident. Usually there is a double indem-
nity with regular life insurance, though. But, if you can afford it, there no such thing as being to prepared for the worst. |
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Ron@InsureMe
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Life insurance provides a lump sum of money to beneficiaries upon death of the insured. It is intended to replace the deceased's loss of current and some future income. Whether the insured dies of natural or accidental causes, his/her beneficiaries will receive lump payments. Whether or not to purchase life insurance, and how much, is a personal choice based on what the person is trying to protect. Life insurance can help:
* replace the loss of future income;
* provide the ability for a spouse/partner to keep a home;
* allow a surviving partner to raise and educate children;
* provide income to assist an elder who relies on family for day to day support.
Unlike whole life insurance, term insurance has no cash value.
AD&D Insurance
Accidental Death and Dismemberment (AD&D) insurance provides a lump sum payment if death or dismemberment is the direct result of an accident. If the insured has both life and AD&D insurance and dies as the result of an accident, both coverages are paid to designated beneficiaries. An employee enrolled in AD&D insurance who becomes dismembered as a result of an accident will be the beneficiary of the claim. The employee is also the beneficiary for any dependent claims. AD&D coverage never requires proof of good health, and can be added or dropped at any time.
AD&D insurance has no cash value.
Try getting an instant quote below. Policies start at as little as $3 per month.
Life Quotes: http://www.insureme.com/landing.aspx?Refby=615159&Type=life
Take care,
Ron @ InsureMe |
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nelson_devon
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AD&D only pays if it is an accident. For instance if you get cancer--nothing. You could also be hurt in an auto accident which is very dangerous, but I bet you do drive some places. |
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bostonianinmo
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If you already have life insurance, AD&D is redundant.
AD&D pays only if you die as a result of an accident. And very often only if your death is within one year of the accident and the accident is the "proximate cause" of your demise. (So complications don't count!)
Regular life insurance pays regardless of the cause. After a policy has been in force for at least 2 years, it even pays for suicide. |
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dura mater
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AD&D (accidental death and dismemberment) pays you if you lose a limb or two in an accident, and pays your beneficiary if you are killed in an accident. Life insurance only pays your beneficiary when you die, but it can be from almost any cause, even suicide in some jurisdictions after a certain time period like two years. One of the main purposes of life or AD&D is to replace the income you would have earned if you hadn't died. If you have no one depending on you for support, there is less need for the insurance, although some people who can afford it buy the insurance and name their parents as beneficiaries.
Some kinds of life insurance have an investment value that you can cash in later while you are still alive. This is called "whole life". The kind that just has an insurance payout on your death is usually called "term insurance". |
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Steve R
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AD&D pays for specific accidents. You are better off with a Disability Insurance policy which will pay a percentage of your salary. You can get this cheaply through work. |
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Noella L
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Can you be insured by group life insurance and AD&D? and would you be able to receive payment for both. Are how does that work. |
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