 What is the future of the Long Term Care insurance industry under Obama? Will national healthcare cover LTC? |
| Long Term Care insurance protects families from the costs of in-home care givers, assisted living facility costs, and nursing home costs that will often run from $50,000 to over $100,000 per year, ... |
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 Will homeowners insurance cover medical bills for occupants? |
| Son ran over foot with lawnmower and had to have surgery.... |
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 How do I find out if an insurance broker is someone reputable before I pay? |
| I am getting a new insurance policy on my home and I want to make sure I am giving my money to someone that will not dissapear on me. Is there a checklist for things to lookout for before paying the ... |
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 What should a new home owner consider when purchasing insurance coverage on the new home? |
| I am unsure what all I should be asking the insurance companies about their coverages. Can you give me some tips?... |
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 Who has the cheapest home insurance policies in California? |
Time to renew and I need to start shopping around.
Additional Details
House is worth 1.4 mil. I'm having a hard time with ins. bec.even though it was built in 1927, I purchased it ... |
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 Insurance beneficiary? |
| i have a friend who is recently deceased.on her insurance policy she had her mother listed as beneficiary but her mother is also deceased she has a sister who lived in the home with her is there any ... |
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 What does 15/30/5 mean on my automobile policy under UIM/UM/Liability? |
My state requires a 15/30/5 UIM/UM/Liabilty amount. Does anyone know what this means? Does it have to be higher if the vehicle(s) are owned by a company?
Additional Details
My state(New J... |
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 How do people get Insurance? |
| I have a learning disablity In some things, so my parents don't tell me anything. I'm 21 years old. they think I am stupid and even make fun of me. so the only way I really learn things Is ... |
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 Can an employer drug test a minor? |
| Im wanting to get a job as im 16 and need to get a car but I have some weed in my system..I have a few people that say you cant drug test minors...Can anyone verify?... |
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| Medical Insurance, No Money? |
| Well this is really stressing me out I'm 21 last year I was at the hospital got sick of the apendix, and I had no medical insurance that was around October16,2006 well now I have a huge bill but ... |
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 Can you really find cheap health insurance ? |
| I live in mass and i can not find health insurance for my needs and have been denied by the state health insurance. Dont know what to do ... anyone can help ?... |
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 My wife fell on someone else's property should we call a lawyer? |
| My wife rents a retail space and she fell in the parking lot because it was iced over. She wasn't given a key to her back door, even though she asked several times. If she had been able to use ... |
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 I have a question about supplemental life insurance provided to me by my employer at no additional cost. If i ? |
| die, Is the amount of the insurance taxed before it is paid out? Is it paid out in one lump sum check or in increments? How long does it take before its paid out? I heard it is a slow process.... |
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 Do I need to purchase additional insurance alng with getting Medicare plan A? |
| Do I need plan B for $96.00 per month or private insurance for this plan?... |
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 A question about mortgage insurance? |
What is the extent of a mortgagor's insurable interest in the property which is the subject of the mortgage?
1) The value of the house
2) Nil
3) The amount of the loan plus ... |
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 Is this a pre-existing condition?? |
| My insurance started on Jan. 1st 2008 ... I went to the ER on 12 11 2007 for a 7mm kidney stone and they referred me to a urologist who has been really doing nothing but giving me pain pills until ... |
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 Do you know of any low cost personal health insurance? |
| My employer recently cancelled our health insurance and I was looking to pick up a plan on my own. Do any of you have any companies that I can look ... |
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 What is the best company to get travel medical insurance through? |
| I am going to France through a study abroad program through my college. In order to apply for a visa, I need a letter from my medical insurance company stating that I will be covered in France, but I ... |
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 My insurance has decided they are not going to cover my pregnancy? |
| My son was born on May 21st and we just received a notice from our insurance company saying that we "may owe" around $10,000 for a pregnancy that we thought was covered (we have been paying ... |
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Amie A | Life Insurance Co. Recommendations? |
Can anyone recommend a good life insurance company that they have worked with? I think I am looking for a term life insurance policy. Thank you to anyone who responds! |
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mbrcatz
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No, because you'll have to buy through an agent licensed in YOUR STATE.
So find the agent first, tell them you want a nice 20 year term policy, guaranteed renewable and convertable, and let them give you at least 10 different quotes from A rated companies. That's all there is to it. |
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hungry man
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I purchased my term policy on-line from Quote Smith, they have rates from several companies. There are many companies that do this and you can select from almost any of them. Just pick an insurance company that is well known and rated at least "A" by A M Best. Check prices for 10 and 20 year policies and decide which works best for your situation. |
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Mark S
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My wife and I have a policy with Primerica. Great rates and, most especially, we have one policy that covers both of us.I am on policy as a spousal rider. After our son is born, we will add both children on for one price maybe 15k @ $10-13/month. This is paid one time and covers ALL existing children AND ANY others we may have. ALL policies are level term- cost DOES NOT go up for length of term, unles you get 10% increase per year for 10 years. During the ten years, the premium goes up, after the ten years, premiums stay the same til the end. Once you reach the end, you can renew the policy- WITHOUT a medical exam.
And, yes, because of this I became a representative of the company. |
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David M
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There are many. It depends on what you really want. If you have home or auto insurance I would get some quotes from them. Usually that will save you a little money on your auot and home policies. Other than that go with a company that has been around for for awhile is rated good and has lots of money or reserves. Life insurance companies bank on people not dieing anytime soon. How is your health? It is a little know fact that you can get a a price a policy for free. You just need to decline it when it gets approved if it is too expensive. THey will return any money you paid out for down payment. |
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src50
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From experience, I can tell you to take with a grain of salt any initial premium quotes you are given. Generally, they will quote you their most favorable (lowest) rate, but you won't receive the final (real) quote until after the underwriting review is done (medical questionnaire, physical exam, etc.). |
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Steve S
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I would only deal with an A rated company from AM Best or Weiss Rating, You can also contact your states Insurance commissioner to see if any company has had judgments against them. I would suggest using an agent, because if you get to claim time I have heard of horror stories of dealing with companies directly. Like 6 month to settle a claim. Those would a few of my suggestions. Most of your main stream companies will be good ones to work with. Good Luck. |
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