 Can I buy a Life Insurance Policy on someone I don't even know? |
Seriously.
For instance, If I took out a policy on Bob Barker, I could expect a payout in about three to five years.
Can I insure someone without their knowledge or permission?<... |
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 Life insurance: Which would you pick? |
Scenario: 30 year old purchasing a $250,000 policy. Would you buy:
A) Whole life insurance that cost $3100/year. By age 65, you will have $60,000 in the cash value.
B) 35 year ... |
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 How much is too much to pay for health ins for a family, through you employer? |
Almost 400 a month is taken out from my check to pay for insurance.
Additional Details
Had an HMO and switched to PPO to save money. Ended up paying about the same because the rates went ... |
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 What is covered under your home owners insurance? |
| I have a main wall in my house that over time hase become week due to high winds. I can actually see the wall move, i have a big moon window and a crack going done. I have folks out who hae told ... |
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 Life Insurance from AIG!? |
Hello,
I have a life insurance from AIG. If AIG goes bankcrupcy, what will happen to my life insurance?
What should I do now?
Thank you!
Additional Details
Thank you ... |
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 Why are insurance companys rip offs? |
| how is it that you pay extra for dental ins. and they tell you that you can't use it for a year. let's see if they could live with a toothache for a year. can i get my money back that was ... |
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 Insurance claim? |
Scratched car?
while going to the bank i parked my car in a short stay free car park i packed up fine. On returned to my car as i had forgot something there was a different car parked next to ... |
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 How do you get your Lienholder to sign off on an auto insurance check so you can cash it? |
| I got in a minor accident and was issued a check from my insurance co. My family is really short on cash right now and we were thinking the best thing to do is leave the damage on the vehicle and ... |
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 My apartment is making me get renters insurance, can they do this? |
| We have been living in this apartment now for over a year, and now they are telling us that we have to get renters insurance. We have to have at least liability, so basically if our appliances cause ... |
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 Should parents buy life insurance policies for their young children? |
| What do you think? Give good reasoning for your argument...THANKS!!!... |
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 How can I get my insurance to pay for a boob job? |
| I'm trying to figure out how I can get my insurance to pay for me to have a boob job. (Not because I don't have any and I just want some.) I have a what I think to be huge breasts for my ... |
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 If you shop for insurance would u pay extra for better costumer service, or get the best rate instead? |
| Would u be happy with better service and pay extra or would u like to get the best rate, doesn't matter who the company is? I sell insurance and I want to know what u want.... |
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 I have a HO3 insurance policy and had power outtage for 3 days, had food spoilage is that covered? |
| I had a power outtage in my neighborhood for 3 days and when I returned I had food spoliage in my house. Would that be covered under my HO3 insurance policy?... |
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 Who do you honestly think is the best overall car insurance agency? |
or you can break it down
to cheapest
friendliest
most trustworthy
why do u like them and why?
also i would like to hear about the shady ones and some examples of what ... |
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enduremyworld | I am currently medically insured through my husband's company, my new job offers free insurance.? |
Hello and thanks in advance.
I currently have medical insurance thru my husband's company. I just started a new job and they offer free medical insurance to their employees (not their family or spouses).
My husband's plan does not cover anything preventive ie. Well Woman/Ob/GYN/Annual exams. However the rest of the policy is excellent!
So I didn't think twice about signing up for the new policy because they do cover the preventive. The new company even asks if you are going to keep an existing policy.
So in a month I will have two current policies.
My question, is how does this work? Do the two companys split my medical costs?
Is there a website or someone who can tell me what to expect?
Additional Details
Note. We do not have children.
His policy covers almost everything but preventive care.
As a woman with a family history of diabetes, high blood pressure, heart disease and cancer, preventive care is very important to me. That is why I want the new policy, for preventive care only. Also the new policy is a HMO, while the old policy is a PPO.
Since we had considered buying a supplemental insurance policy, my new job offering free insurance seems a blessing, and I would like to keep both. |
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Insurance Biz CT
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Coordination of benefits is the right answer in deciding whose insurance will pay first. The determination is made by whose birthday occurs first during the calendar year. So, if you are born in March and your husband is born in October, your coverage will be primary. Once the claim is processed through your insurance company, it will then be submitted to your husband's insurance company.
It may not be worth having double coverage, but only you and your husband can determine that. What is the cost to insure you under his plan each month? Are there things his pays for that yours does not? Will the combination of both plans save you money? Think it through carefully. |
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reneem1954_2000
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In my experience, one will be primary and the other secondary. The primary one will pick up the most and the second the remainder. You need to check with both companies to see who is primary. In my husbands it goes by birthday. Mine is Dec and his is Oct, so his was primary. But insurance companies have different rules for it.
Also too, some companies say if you can insure the other spouse for $100 or less a month with their companies insurance, they don't have to insure you.
Best talk to both companies. |
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DuSteDShaDoW
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Its called Coordination of Benefits, if one insurance doesn't cover something in whole the other may pay out, you may actually be over insured, but if its free, then let the insurance companies figure it all out. |
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charlie b
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I had the same problem...there is no point in having two insurance providers. You really have to compare the two options , weigh the pros and cons of each and decide which is better. If you are on your husbands plan and have the option of going to a free you may want to do that because then your husband can move down to the individual plan rather than the family (that is if you dont have any kids). Then he would be paying less per month and you would not be paying anything. |
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Angie
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I don't remember exactly how this works, but there is a prioritization method that's used. One of you plans will be considered your primary plan, and it will pay any benefits that you are eligible for under that plan. If there are then things that are not covered by your primary plan, it can then be submitted to the secondary plan. |
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CEGTP
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What will normally happen is your insurance will be primary and your husbands secondary. What yours doesnt pick up his should. Now keep in mind you may still have a few co-pays and such but it should work itself out. They don't split the costs like you think they would but more like if company A (yours) pays 85% of the bill and you still have 15% to pay then company B (husbands) will pick that up |
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TedEx
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If it is free, take it. if you have any med expenses, then file with your co first, What they don't pay MIGHT be covered under his policy. |
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nurse ratchet
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There will be "coordination of benefits" between the 2 carriers. The insurance where you work will be primary, and the coverage under your spouse is secondary. If you have to pay for the coverage under your spouse, I would drop it. No sense in paying for coverage you don't really need. |
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chriswalsh575
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Take it and cancel his. Your will cover both of you just like his did. Saves in the long run. |
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