 Does anyone know of an auto insurance company that has a better system for carrying proof of insurance? |
| auto insurance cards suck they always expire so quickly and I can never remember to put the new ones in the glove box. Is there a better system then printed paper insurance cards? I usually lose them ... |
|
 Neighbor's tree fell on my house? |
| I recently had to file a claim about two months ago. This past weekend a tree fell on my house. Not sure where the property line is, but I think it's the neighbor's tree. Do I file ... |
|
 Affordable health insurance in NC? |
| Hello everyone. I have been a few months without health insurance and I know I need it. I am looking for some affordable insurance, health, dental, and possibly maternity? I am not pregnant but I ... |
|
 Life Insurance Policy? |
Which life Insurance Company is it that has the picture of the baby on it and is mailed and given out as soon as you have a baby (Mothers you know about all of these types of mailings)
Its ... |
|
 Surprise doctor's bill? |
| So far, my OB-GYN has been covered by my insurance deductible. I just got a bill in the mail for some routine labs that were drawn. We've been paying monthly payments to the doctor every month (... |
|
 Insurance help? |
| I have been with my insurance company for along time now. my bill was due a few days ago but my bank screwed up with my direct deposit and the moneys not in my account to pay my bill yet, how long do ... |
|
 Totalled truck? |
| My bankrupcy was recently finalized, I kept the truck and made timely payments on it. I totalled the truck yesterday, and called the finance co. to report it. hey told me that the truck was included ... |
|
 Would making all health insurance ILLEGAL for everyone fix our current healthcare crisis? |
| I believe the answer is yes. I also believe that perhaps people could only be allowed to purchase plans that have a 10k deductable per person per year. This would cause the free market to work ... |
|
 Life insurance policies- need a contingent beneficiary? |
My husband and I were just approved for life insurance policies. We need to designate a contingent beneficiary for both polices.
Obviously, we will choose each other as the primary.
... |
|
| Independent insurance broker or work for a company? |
| I just got licensed in Florida. I am going to be working for a company that focuses on Life insurance products, particularly Mortgage credit insurance, but the mortgage company need not be the ... |
|
 How do health insurance companies decide when to apply costs to one's annual deductible? |
| It seems they randomly choose when they will pay in full & when you will pay in full because they decided to "add it to your deductible". For example, they'll pay for one x-ray in ... |
|
 Life insurance policy was purchased 24 yrs ago and the company is now closed. What are my options? |
| I found out thru the BBB that the business has closed and there was no forwarding address or phone numbers left for the company. The policy is paid up till age 25, however now that I am trying to ... |
|
 Gap insurance?!? |
| my sister bough a new kia. ows 15,000 left and after 9 months was totalled. the insurance co. is paying 10. shouldn't gap cover the other 5? they say they will only cover 2000. and she would be ... |
|
| Walmart return policy??? |
ok my mom bought me an xbox for my bday and i love it i do but
my heart aws set on a wii. and i know it makes me sound spoiled but my mom wants to return it.
But my question is will ... |
|
 Is it common to have insurance co. not cover previously existing conditions folowing a lapse in coverage? |
| I went off my parent's health insurance and have yet to obtain coverage from my employer. I have been uninsured for almost three months. I am generally healthy but have a few health concerns ... |
|
 Why medical and health insurance in malaysia doesn't cover cosmetic surgery? |
| the factors of insurance company excluded cover cosmetic surgery under medical and health ... |
|
|  |
BaseballFan4Ever | How important is it to get the best rates Term Life Insurance company? |
I am looking at these options:
http://www.zanderins.com/term/instantquote.aspx
Is there really a huge difference from top to bottom? Can I go with the more affordable option? |
 |
 
Richie Rich
|
Price is a major factor in absence of value. I will not speak of online quote sites because they are only good for comparing similar policies on price alone, not features.
Insurance Pickle is right about one thing on Primerica policies, they do not have a Convertible clause. They instead of Exchange provisions. Primerica policies, although not the cheapest, is still pretty cheap comparably.
The Exchange provision is a good one, instead of converting to a cash value policy that is probably 2-10 times more than current policy premiums, it automatically exchanges to another level term product based on age alone. If you get seriously ill, it's not an issue.
Don't go with a company or agent that will openly criticize a competitor with out fully knowing the competition.
Point of note, Dave Ramsey recommends Zander Insurance because they pay a good portion of his radio show. He also used to be a Primerica agent. One of the most well respected names in the financial industry was a former Primerica agent. Go figure. |
|
Leroy
 |
I TOTALLY agree with the first answer. It's not a good idea to shop for insurance primarily on price. Small differences in price can mean huge differences in benefits, service and also the stability of the company.
Secondly, most people are generally better off dealing with a live, local agent or broker face-to-face as opposed to buying insurance over the phone or internet. A live agent can explain details about the policy, limitations, exclusions extra benefits etc, that you may not otherwise realize or understand when you purchase the policy. Most people don't read or understand the 'fine print,' in my experience.
A live agent who knows you and your situation may best be able to offered coverage specifically suited to your and your family's needs and will readily be able to give you information about the companies' financial ratings, and answer other questions you may not know to ask. |
|
Shane P
|
I briefly looked over the website, and it looks to be a decent source for life insurance quotes. I would recommend calling the toll-free number to make sure there is a person to speak to in case of questions or service issues. Being a Broker, I personally prefer the face-to-face interaction with a client so I can make sure they are getting the best product for their need. For a brief time (2 years) I worked with a company that Dave Ramsey (endorsing Zander Ins) once recommended, but I have a different take on the "term only" insurance since I have become an Independent Broker (I represent about 25 different companies).
The caution of shopping on price alone is, you often don't get the full picture of the benefits and services being offered. For example, I have one life company that offers a cash benefit in the event of a critical illness that is above and beyond the death benefit and they also offer college assistance to the insureds children (also above the death benefit). If someone was shopping price alone, they wouldn't understand why this company is $50 more per year. It pays to sit down with a Broker and look over options so you have a clear picture of what you are buying. Plus you get the peace of mind of an actual person to talk to in case any questions arise. |
|
carol j
|
try http://about-insurance.weebly.com you can learn more about insurance and you can get fre quotes that you can compare for others. after you get your fre quote someone from customer service might call you to explain and clarify all your question.
|
|
Insurance Pickle.com
|
That's a decent quote engine, but check out the tool on my site because it quotes many more companies....about 150 in all.
http://insurancepickle.com/life-insurance
And YES, it's very important to get the best rates. Except for a couple major points (one is convertibility and your broker can explain that) term insurance is term insurance. Would you rather pay $500/year for something or $1000/year for something if the net result is the same?
Primerica, for example, is consistently twice the price of the lower cost plans. Is it any better? No, in fact it's worse because it doesn't have convertibility (which is the ability to continue coverage beyond the term you selected if you become ill). It's more because it's a multi-level marketing structure so there's more cost built in.
The one thing about that site is he talks down return of premium policies. It's very much worth a look. I think people who formed an opinion about it haven't looked at it recently. If they knew you could get a 5-7% tax free rate of return on your money I don' t think they'd call it a waste. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
6 | 29 minutes(s) ago
| | | |
6 | 52 minutes(s) ago
| | | |
6 | 2 hour(s) ago
| | | |
6 | 7 hour(s) ago
| | | |
6 | 1 day(s) ago
| | | |
6 | 5 day(s) ago
| | | |
6 | 1 week(s) ago
| | | |
6 | 2 week(s) ago
| | | |
6 | 1 month(s) ago
| | | |
6 | 5 month(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
