 What private health insurance company is the best for the price?? And what is coinsurance?? |
| I rencently got married and it is $300 a month to add a family plan to my husbands health insurance. We are looking for a cheaper way to insure me. We have found a few companies, but what does ... |
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 My whole life policy...I'm bloody confused.? |
| Should I keep this? Is this good? Whole Life --age 32 $8/month. 15K coverage--$500 avail loan ... |
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 My mother in law has life insurance policies on my husband and stepdaughter? |
| we are no longer speaking to her or having any contact with her at all. We no longer want her to have these policies, nor be the benefeciary. She started them and paid all of the premiums, we just ... |
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 Do i get liability cover for people working in my garden or do i need insurance? |
I have people working on clearing my garden . Am i liable if they have an accident or does my insurance cover it ? Are they suppose to insure themselves?
I just dont want to get sued
... |
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 Pre-existing conditions? |
| I was without health insurance from September 1, 2005 until July 31, 2006. Because I didn't have continuous creditable coverage, can my current health insurance deny me benefits for pre-existing ... |
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 How do you get health insurance ONLY for kids, not adding on to parent's plan? |
| I don't qualify for CHIP. My work insurance is great for singles, ok for married couples, terrible for families. We had insurance with Texas Children's Hospital for our kids and it was ... |
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 Can you claim life insurance of someone you are not related to? |
| I have a friend very old and she has a big life insurance policy currently I am helping her live and I am am paying for all her expenses. She has listed me as the claimer on the insurance when she ... |
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 Is it feasible to find 100 families to put $100 a month in a savings account to pay for medical expenses? |
| Its just an idea I had, wondered if it would work, if its legal, etc. My family has no health insurance, and I am sure that there are many other families out there in the same boat. We have no major ... |
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| How do you define double dipping on insurance? |
| I have 2 step kids. We have had insurance on them for over a year. We just switched insurance and their mother decided to put them on her new husbands insurance. Which now we have 2 insurance ... |
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 Should i get 20 year term or a 30 year term life insurance? |
| My husband and I currently have a 20 year term life insurance policy. We are switching companies because we were paying too much at State Farm. I'm 30 and he is 33 and we are both in very good ... |
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 Homeowners vs. Auto Insurance? |
| So last night a huge tree branch fell on my car in my driveway. My car insurance is expired and I'm wondering if my landlord's homeowners might cover it. The tree is on his property and ... |
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 Insurance company startup???!!!? |
| was wondering about the possibility of starting up my own insurance company covering cars. do i need a license to do this. do i have to make myself known to anyone that i am insuring people to drive, ... |
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The Naughty Scotsman | Is disability insurance worth the investment? |
I have the option of signing up for long-term disability insurance through my place of employment. When I was young and single, I really never considered insurance much. However, now that this once wild stallion has been domesticated into family life, it seems that there are other concerns that need to be met, such as ensuring continued support for my family in the event that something should happen.
I still think insurance is a scam, but apparently a necessary evil these days.
Additional Details
For those of you who question my willingness to label insurance as a scam and necessary evil, I recall first hand the dilemma my mother had after a severe accident. Despite having paid her premiums on time and being declared as disabled after the accident, the insurance company did everything it could to weasel out of paying her the premium. She had to get a lawyer and fight it in court, eventually winning, but not without legal costs. Hence, my view of insurance companies. |
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Nabil
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Yes, it is priority in financial planning to get disability insurance and make sure that the benefits are enough to support you and your family in case of disability. Check with financial planner and he well make you good plan. |
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derek
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The vast majority that have financial setbacks and do not succeed financially are a result of some catastrophe or setback.
Most of these issues could have been (and should have been) insured.
Just factor it in as the "cost of doing business." Buy it, even if it's only a small or partial policy. |
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DAVE B.,The Old Man
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insurance is always a gamble. If you are pron to getting your self hurt , It would most likely be a good investment.. |
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elvisdan77
 |
Ask someone who is disabled!! Your family will pay if you dont take the necessary steps.
You try and think of what type of world it would be without insurance, before you call it evil and a scam! |
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insuranceguytx
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Just ask yourself where the money would come from if .......
I had a terrible car accident
My house burned down
I get cancer
I have a back injury and can't work
I die
I guess you are right.... Insurance is a scam.
CTU, you are 5 times more likely to need disability benefits than death benefits. Even if you have a life policy, the insurance company may NOT pay out an accelerated death benefit to help with the a loss of income. Consider someone in an accident that becomes disabled (can no longer work due to head injury) and still has a long life expectancy. Would a term policy pay?
A complete financial plan needs to address both death and disability. Anything less is just rolling the dice. |
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Doing the Right Thing
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Its not worth getting a disability insurance. The chance of you becoming disabled is very low. If you have life insurance and you become disabled for whatever reason, you can use some of the death benefit to pay off your bills (but you usually have to wait 6 months before you get the money) |
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chowderheadsue
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Hi, I think you should definately take it. If you were out of work and you fell and broke a leg for example. YOu would be compensated for loss of work and the doctors bills would be taken care off. I had it for 7 years and never used it. But...you never know. anyhow good luck in your decision sue:) |
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Frank Castle
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Yes. |
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