 We're refinancing and need to know if I have fire insurance....? |
| We have a homeowner's policy (with AAA) and earthquake coverage but the finance company is asking only for proof of fire and/or flood insurance. Is fire covered in a basic homeowner's ... |
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 Health insurance wont accept bc of c-section!? |
| I applied for BCBS private insurance and they approved us under the condition that if I needed another c-section it would not be covered. Is this ridiculous or what? Anyone else? If I appeal, what is ... |
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 What do you do if you are denied Health care insurance? |
| I signed up for Blue Cross Blue Shield in Florida. My family was accpeted but I was denied because they said I have been to the Dr with complaints of a stiff neck. So I have been denied Health care ... |
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 If someone else is driving your car and they get into an accident, who pays? |
| My ex-boyfriend was driving my car a few months ago and got into an accident. I don't have full coverage on my car, so I decided not to tell my insurance company because my insurance would go ... |
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 Are there any disadvantages to being covered by 2 health insurance policies? |
| I am currently covered by my husband's VERY GOOD health insurance. However, now that I have reached the 5-year anniversary at my current job, I am eligible to join my company's insurance ... |
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 If a person receiving social security disability who has their own medical insurance? |
| If a person receiving social security disability who has their own medical insurance, however the they get the medical insurance premium deducted from their SSD check . They don't need medicare A... |
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 What's the cheapest insurance service? |
| What has the lowest price.(All three kinds)... |
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 Help! Im only 18 and my insurance wont pay for an epidural?!? |
| I dont know what I am going to do..I am only 18 and I am about 8 weeks pregnant and I just found out that my insurance (CDPHP through Medicaid) wont cover and epidural ..only if the doctor deems it &... |
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 Cash business and health insurance ? |
| What options exist for someone who works in a strictly CASH business, isn't married and needs some kind of Health Insurance? The cost would need to under $300.00 a month. Do all these companies ... |
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| If cosmetic surgery can help get you a better paying job or even a better life? |
http://www.msnbc.msn.com
Could there be such a thing as 'beauty insurance'? Where younger people could pay a premium for beauty treatments ... |
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 What is the best home insurance? |
I am looking to get a home insurance for the flat that I am planning to buy soon. Do you know a good home insurances that I could get?
How much would it cost me to insure my flat and the content?... |
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 Question for Auto Insurance agents? |
| Do you have to have some kind of cirtification to legally sell an car Insurance Policy to a customer? Can a Receptionist legally sell a policy?... |
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 If a branch from a tree in your yard falls & damages your house does it matter if it fell in a storm or not? |
This is under an average house insurance policy.
Does the health or age or species or size of the tree affect the Insurance cover?... |
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 Was there a single event that caused the need for this Bailout Bill? |
I just heard that the bill was just approved but I was just wondering, what actually caused all this?
Additional Details
I also heard it may largely be due to the fact that the Lehman B... |
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 My son had me insured for my car my son as died how do i find out who im insured with? |
Additional Details
thank you all for your answers my son lived with his girl friend many miles away his girl friend does not seem to want me to have insurance details or any of the car ... |
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 Insurance for a Preschool? |
| What kind of insurance is needed when opening a preschool. I am anticipating twenty 3 year olds two days a week and twenty 4/5 year olds three days a week. The times for classes will be from 9am-12... |
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nanlwart | Is mortgage disability insurance a good idea? |
I have 90 day disability at work, but I would like to know my mortgage is covered should I become disabled. I am single and do not have family, so am less worried about life mortgage insurance than disability. But, I don't want to waste money either. |
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futureislandowner
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I would get whole life insurance outside of our employers program. Many times there is disability coverage, plus there is a cash value on whole life that can be borrowed against in the future for loans to yourself, like for other real estate purchases. If you're a non-smoker with no DUI's on your record its only like $25 per month. Money well spent! |
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JoelMBA
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I used to sell life and disability insurance on loans for 3 years, and while it was a great money maker, I would never get it for myself.
Insurance that is sold to you by a mortgage lender is going to be very over priced and it should be last resort. The fact that you are single and no family makes it even easier to decline that option. I would say that if you are going to be disabled for longer than 90 days, that disability may as well be permanent and you would probably know so within 30 days of being disabled, at which point you should know if good 'ol Uncle Sam will be helping you out, if not, sell the home or get a roommate.
My best advice to you is to consult with a good independent insurance agent about a disability plan and maybe even some life insurance. |
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efrankdeniro
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Disability insurance is necessary |
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insuranceguytx
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Your total financial life is very complicated. Disability is but one part. Life insurance is another part and CAN in certain circumstance be worthwhile for single people to purchase. Accumulating enough savings is another part.
If knowing that you have a good chance of achieving your goals no matter what happens in your life is important to you, then having a plan for a possible disability situation is necessary. Social Security's disability kicks in after 18 months of disability and your can't work in any capacity during that 18 months.
Your best be is to go talk to one or more licensed financial professionals including insurance agents. Talk to as many as you need to until you find one with whom you are comfortable. |
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bostonianinmo
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Well, look at it this way. I've been a homeowner for over 28 years now and have never had mortgage disability insurance. It was a crummy deal when it was offered. And I've never needed it. Most folks can say the same thing.
Here's a tip: Find out how much they charge for it. Put that much aside every month in a separate savings account until you have 3 months worth of mortgage payments in that account. You are now covered until your work disability kicks in, and never need to add anything to the account again! In my case, it took me only 18 months to set that much aside.
Don't waste your money on whole life, it's the worst possible way to buy insurance and a lousy investment vehicle! As you don't have a family, you really don't need it as you already have said. |
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mbrcatz
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If you are thinking about disability coverage, you should probably see if you can purchase long term disability coverage through your employer.
Mortgage disability only covers the mortgage payment, and if you become disabled, you'll ALSO need to pay property taxes, utilities, and you might want to eat once in a while, so rather than limiting the payout to mortgage only, you should look for a full long term disability policy.
Also, keep in mind that for long term disabilities, Social Security may kick in, but you might need to fight for a few years to get them to consider you disabled. |
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