 How do you measure square feet? I have to measure my house for insurance purposes.? |
Last year it was insured for 1600 sq ft. This year they decided (on their own wihtout measuring it) that it is 3,000 sq ft!
Even the town taxes me at 1400 sq ft! The insurance company said the ... |
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 What is the most ideal auto insurance ratio for a person on a budget? |
| I am switching insurance now and I know their are some ratio's like 50/100/50 and such. My wife and I are on a real budget. She does not drive now, so would not be part of the quote at this ... |
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 If I purchase insurance and require surgery 1 month later, is there a time gap that is needed? |
Does there need to be a time gap between the time period that I purchase the health insurance and the time that I get my eye surgery? Or is it considered an emergency and it will cover it?
A... |
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 Help! $10,000 plus in Medical Bills, no Insurance!!? |
| My husband and I had our son 4/11/2008, we are uninsured. We were denied the Oregon Health Plan (Medicaid) because we "make too much money!" PLEASE!W e are both working at fast food joints ... |
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 How long??? |
| My aunt passed away and left my mom as her beneficary for 10,000 dollars! How long after her dead should my mom recieve the money! She wants to purchase a head stone for her with it!... |
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 Lap band insurance help!? |
| My husband and I want to get the lap band surgery. He's looked into it significantly, and we know pretty much everything there is to know about it. We both have health insurance (under my name)... |
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 Can I become a millionaire? |
| My question is how does someone become a millionaire?... |
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 How do I sue a company for giving false information to an insurance company? |
| Work stated that I was constantly late off sick and had no commitment, I have proof to state ... |
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 No insurance-broken wrist?? |
what a should i do?
Additional Details
it happened at the beach. ... |
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 What insurance company would cover pizza delivery driver?? |
| O.K... I was just offered a job delivering for Papa Johns and I called my insurance company and they said they do not offer "commercial insurance" and they would not cover me. Can anyone ... |
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| No Insurance. Car damaged. Should I call the insurance company? |
OK This is really hurting me because some jerk hit my car in the parking lot ( I don't know when) and when wake up in the morning and see my car it is damaged.
My problem is I don... |
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 State Farm vs. Farmers vs. All State? which is best? |
| I am seriously considering becoming an insurance agent for State Farm, Farmers or All State, but I don't know which company is the best choice for me, I am bilingual in Spanish, so I am looking ... |
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 I was left an insurance policy, how do I find it ? my grandparents passed on, so how do I get it ? |
| My grandfather left an insurance policy in my name, passed on in 1980, and grandma passed 2 months ago. My aunt is an evil catholic who won't send it to me, she wants my mother's address, ... |
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 No ins. have back problem...how can i recieve help? |
| for 13 yrears have had lower back pains...hoped it would go away,wrong...now am unemployed.no ins.dont know what to do?... |
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| Whats a good annual premium for a 50,000 whole life policy? |
| I'm 28 perfect height and weight and don't smoke. No health problems and no family illnesses. Thanks.... |
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 Would it be a good idea for insurers to give a % of income they give out in claims? |
We all look for the cheapest premium, but we have no idea how they would perform if you had to claim.
I heard somewhere that car insurers give out much more that household insurance (or ... |
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justsomedumbgirl | How does getting paid a death benefit work? |
on life insurance? |
 |
 
Bright Future Penguin
|
Please, please read this. Perry made a statement that is not, in and of itself, entirely correct.
I'm in the industry, so I'll explain it.
When an insured dies, the survivors contact the insurance company to make a claim and present a certified copy of the death certificate. A good agent will do almost all the paperwork for the survivors, trying to make the process as easy for them as possible.
Different insurers have different methods of distributing the death benefit. Typically, the two most common were mentioned by the first poster - either lump sum distribution to your beneficiaries, or the creation of accounts that the beneficiaries can draw from via check. Other distribution methods exist.
Perry's mistake was in saying the proceeds go to your estate. While that is possible, that is usually the one thing an insured does NOT want to do. Here is why:
At this time, when an insured dies, the proceeds go to whomever or whatever entity he or she has named as beneficiary, OR to his or her estate. If they pass to a beneficiary, the proceeds pass tax free and totally circumvent the probate process. You just go to the insurance company, do the paperwork, and get the money. No tax, no months-long wait. If an insured names his or her estate as the beneficiary, the money goes through probate, is subject to estate tax and all the rotten mess that goes with that stuff. |
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ted k
 |
call the insurance co. and they'll send you a form. Fill it out and mail it back to them and usually they pay with in a week. |
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misty_51273
|
you have to have the death certificate then call the insurance company or better yet go there in person |
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words_smith_4u
 |
Someone dies and you're a beneficiary.
Present the death certificate to the insurance company...
They do a mountain of paperwork
They send you a check. |
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Know More Than I Want To
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Call the life insurance company, tell them who has passed, and they will tell you what to do. They have their own form that you have to fill out, and you have to send it back along with a certified death certificate. THEN they'll either mail you a checkbook to pull from an account they set up for you or they'll mail you a check for the entire amount. |
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Perry
|
You need to be Dead to collect it !
The funds go into your Estate & then If you have a Will given to the nominated people |
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