 A question about life insurance? |
| A person get a life insurance policy for $50,000 and passes away 4 months later. Can a beneficiary collect the total $50,000 or just what the decedant has paid into it?... |
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 If your car gets totaled and you have full coverage, does insurance go by trade in value, private party? |
| Value, or suggested retail value. Or do they go by any of these? I am trying to determine whether to keep full coverage on my car or not because I am fixing to make a lump sum pay off.... |
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 Insurance major? |
if i am going into insurace business later on, what major should I get my BA on???
Additional Details
i am going to be an insurace agent.... |
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 What exactly is term life insurance? |
| in details please..but i hear you can cash it in..what does that mean...i know what it mean mean...but like what does it mean when it comes to..are you going to owe them something if you cash it in..... |
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 I want to make a claim on house insurance? |
| But they are insisting I give them the exact date that the roof tiles fell off. It was about a year ago (its a long story why I waited so long) but I only have a vague idea of when it was. if I give ... |
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 What's a good life insurance? |
| My stepdad smokes a pack a day, and drives a truck for a living and I was wondering what would be a good life insurance for my mom should anything happen to him since he seems like high risk? They ... |
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 Do Insurance companies encourage crime by penalising the victims with increased premiums? |
| I have recently been a victim of crime. I had my car keys stolen from my house whilst I was asleep, my car has since been recovered but has been written off. Even though I only owned the car for 1 ... |
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 I bought a house one year ago.? |
| Now i find that there was water leakage and damage on the outside wall which was hidden by the vinyl sidings. The seller did not declare anything in the disclosure nor did the inspector find anything.... |
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 Family health insurance plan for 19yr old, 17yr, and few day old baby? Need it to marry.? |
| My fiance and I want to get married right away and have been wanting to for a while but had to wait until the insurance plan he had at his job kicked in. That would have been next month but now he is ... |
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 Why do doctors charge less if you do not have insurance? |
| Some doctors charge a person with no insurance or on medicare a less rate than they bill the insurance company. If they billed an insurance company the discounted rate, wouldnt this help lower ... |
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 I have a huge medical bill and no insurance. Can I really just pay like $10 a month? |
| Someone told me you can just pay what you can "afford." Well, if I can only "afford" $5 or $10 a month, will I get all my assets seized or something?... |
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 Do you think that a guy in his mid-late 30's with no money has any chance of being a provider? |
| I guy friend of mine has just turned 36 years old. He has been working at an $11.00 an hour job at an insurance company for about 8 months now. He's planning on he's getting get his ... |
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 Don't be fooled by agents when buying life insurance? |
| if you buy whole life they tell you you can borrow "your money" but you have to pay back with interest because if you don't if you die the company will deduct the money you borrow from ... |
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september_serenade | Is insurance really worth it? |
I am skeptical whether the insurance firms really settle claims. There is the fine-print one doesn't read when buying a policy. |
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Batistafan
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I am currently an insurance agent. It honestly depends on the type of insurance. Whole life insurance is more expensive than term insurance and a big rip off. You don't need to really "invest" in your policy. You would be better off buying the cheaper "term" life insurance policy and investing the difference in an annuity or some type of fund. Insurance on kids should only be enough to bury them at most. They have no income to replace which is one reason why life insurance is so important to survivors. |
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Lamb725
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Yes, it is not worth a dime until you need it and then it is priceless! |
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kjonno91
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Yes |
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hardik_jamnagar
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it's not all time. some reputated company is good but not all. |
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Jayce's mommy
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They settle claims, you just have to think about how much you get for your money. You pay x amount every week and say you never need a claim. Let's say you have a life insurance policy for 3 years and die and you put in way less than your getting. It is all a risk. |
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Yahoo
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You may not read the fine print. I do and so do many other people. I ask lots of questions too. There are disreputable insurance companies just like in any other business.
Unfortunately, Insurance is worth it. It's true that in many instances we pay way more into the policy than we ever receive. That's the way insurance companies make there money. The thing is, few people ever have enough cash on hand to pay for the things we have insurance for. It is much easier to pay a premium than to try and save that much money. |
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Mister Nice Guy
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Yes, insurance is worth it. Suppose you have a disaster like the Hurricane that destroyed much of New Orleans last year. Insurance will help you recover.
You do need to read all the fine print and make sure you're dealing with a reputable company. Do your own due diligence. |
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morris the cat
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i am a retired Independent Insurance Broker, 23 yrs in the business--first of all, every policy sold in every state, must be approved by the State Dept of Ins of that state--they are responsible for approving the policy to be sold- that would include reading the fine print to be sure it is worded fairly to the policy recipient--second, is insurance really worth it--self insuring is 100 % riskier--you don't want to be your own ins co., no matter how much money you have==insurance is a pooling of risks, everyone puts a little money in the pot, the ins. co serves as the administrator, and everyone is protected- that is how simply it works- i am also a retired CPA, & CFP, & LUTCF so i know what i am talking about-- trust me-- if you have any other questions, please holler back at me... |
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mrssainsarg
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Not at all, you pay premiums every month and when you need them its ALWAYS seems to be below your deductible or its not covered. Wasted cash I think. |
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exirsman
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Insurance is important and yes; they do pay claims that are valid. I just got $3,500 for my roof. Life insurance is critical too. If you have a wife or kids, you need it. |
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