 I am a 27 yr old breast cancer survivor...? |
| Now that I am all done with treatments, and I AM totallt healthy and cancer free by the way, I am having a heck of a time getting a job. I have been aplying for everything from working in surgery to ... |
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| Under what circumstances will your average life insurance policy not pay a claim for your death? |
| Under what circumstances will your average life insurance policy not pay a claim for your death?... |
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 Im starting a new insurance agency... i need a name? |
Staring my own Insurance agency & I need a really good name.....
something...insurance agency. Any Ideas i would really love it. Thanks Guys.... |
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 Insurance and pregnancy? |
| I just found out today that I am pregnant. Also today I found out that I got a new job that I had applied for. I currently work at Wal-Mart and was planning on staying there part time. I have ok ... |
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 Is there such a thing as affordable health and dental insurance for someone that is 60 years old? |
And in pretty good health? What company(ies) would you recommend. I live in Omaha, Nebraska United States. I currently pay $330 a month for PPO BCBS a month and it is killing me! Thanks
A... |
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| How would I get My medical insurance to pay for my abdominal plasty? |
Hello! I had a breast reduction last year ago and everything went well, my Insurance which is Tricare paid for everything, but it was due to a Medical condition.
I heard Tricare is very ... |
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 Where can I find health care assistance for adults in North Carolina? |
| I am 19 years old, diabetic, and enrolled part time in college. I have a job but I also live on my own and support myself. Diabetes supplies and medications are very expensive and I do not have ... |
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 Term Life Insurance Vs Whole Life Insurance? |
I am shopping for a decent life insurance policy. I have a question.
Say, if I go for whole life insurance through company A for 20 years and say if Company A goes bankrupt after 10 years.<... |
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 Medicaid insurance will do what! is this true? |
okay, so i work a part time job
im 18 years old and live with my mother
we have medicaid
i have made almost $1,000 in 4 months, which is not much
BUT she says that when i ... |
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| How can he sue me for injuries if he wasnt injured? |
How can he sue me for injuries if he wasnt injured?
we had a car accident, its hard to dtermine whos fault it is(about 2 months ago) and now i get a letter from the lawyer saying he is going to ... |
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Kathy J | Is homeowners insurance in case of death really worth the monthly premiums for this? |
If I die before my home is paid off, my life insurance & other moneys will pay off my mortgage, so why pay more? Also, they do have this insurance in case I lose my job where I don't ahve to pay morgage payments until I am employed agian. Now
that sounde like a good deal. Need comments please. |
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bostonianinmo
 |
You've answered our own question. On both counts. Credit life is a terrible deal, especially if you already have enough life insurance.
Short term disability isn't such a hot deal either, especially if you hae sick pay through your employer.
Long term disability is a good deal. It's usually very reasonably priced. Typically it doesn't kick in for 90 to 180 days so you have to tough out the short term but after that you're home free. The solution here is to have 3 - 6 months worth of income in the bank for emergencies.
Don't confuse PMI with credit life. Two totally different products. If your equity is less than 80% and you're not on a government backed loan (FHA or VA or some state programs) you need PMI and there's no way out of it. PMI protects the lender against your default but pays nothing if you die. |
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flyfisher
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the mortgage ins. is a bad deal, the premium stays the same, but the death benefit goes down with the mortgage. the unemployment coverage can be a fair to good deal, how long does it last, and how much does it cost should be the deciding factors. |
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laduron7
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Mortgage insurance -- the kind that will pay off your mortgage in the event of your death -- is the only kind of insurance that is worth less and less as you get older. Interesting? Good old fashioned life insurance (or even term life) is a much much better deal. |
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cdbemt
 |
Mortgage insurance not homeowners insurance pays if you die. If you don't have enough life insurance it wont cover the mortgage either.You can get insurance to cover it if you get sick or hurt and are unable to work but I don't know about insurance if you lose your job. |
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kako
 |
These are all usually bad deals that require higher than normal premiums.
What would be better is term life insurance to pay off your mortgage.
Insurance against losing your job isn't so great. Why don't you just save the money you'd pay for insurance and use that as your emergency fund? Remember, you probably can get another job pretty quickly if you set your mind to it. |
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James H
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Don't buy any type of life insurance if you don't have dependents...there is no point. If you were to die, and your family depends on your income for the mortgage buy it. If you can't afford it, there are probably better ways to spend your money. There are way to many insurance options out there, makes things way too difficult, I do not envy your current circumstance in having to choose...good luck. |
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jd
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PMI is usually required by the mortgage company. You would have to negotiate with them to try to get out of it. Normally, you can pay down the loan with a larger deposit so PMI is removed. |
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Jason H
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It is not a worthwhile investment in most cases. If you can afford to get a term-life insurance policy, this is usually much more cost effective but it will come with certain qualifications. |
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mbrcatz
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It's silly to buy the "mortgage only" insurance, when for about the same money you can get a policy that will pay ALL the bills in case of death or disability. |
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