 If you have a 100,000 life insurance plan..do you have to pay 100,000 dollars to your act to recieve benefits? |
| if you have a 100,000 life insurance plan..do you have to pay 100,000 dollars to your account to recieve benefits?... |
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 Do you believe in having lots of insuriance or very little? |
| I hear people talking about life insuriance, auto insuriance, home owner's insuriance, etc., etc., etc.... how much do you believe in having? Which kinds? Or do you believe that paying for ... |
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 Who is responsible for filing liability claim under renter's insurance? |
| The washing machine I own malfunctioned and flooded part of the apartment I rent. The landlord is billing me for charges incurred for replacing the carpet padding and providing blowers to dry the ... |
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 Short & Long Term Disability Insurance? |
| If someone is a not able to qualify for STD or LTD insurance. Are there any other options?. My friend has MS. She was just diagnosed. What can she do? Is there any options or insurance for her ... |
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 Looking for good source for Burial/Funeral/Final Expense Insurance for 80 yr. old mother? |
Looking for policy in $5,000 - $10,000 range with no medical exam (sort of like what AARP offers) Must be valid in N. Carolina.
T... |
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| My car was deemed a total loss by the insurance company, how much should I get? |
| I have a 1999 mercury sable GS with 99,000 miles. The car is located at the zip code 08080 (new jersey). An appraiser came out and said the damage done was near $2300 and it was deemed a total loss. N... |
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 Does renters insurance cover my jewelry? |
| In case it breaks, gets stolen etc. And what about loss?... |
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 Can hospitals find out if you are insured under your parents plan if you don't tell them? |
Additional Details
i dont want my parents to know that i had to go to the ER for something theyd probably disown me for, so i want to avoid having to use their insurance. i am not a ... |
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 It's really old now? |
| is anyone finding those Geico commercials with the cavemen to be annoying ... |
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 Insurance Question. Here it is. What law authorizes an insurance company to get a copy of your criminal record |
| Please do not respond with personal theories, personal experiences or personal philosophies. Limit your answer to the MASSACHUSETTS LAW ONLY. In other words, begin your answer to my question with, &... |
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 Life insurance for my elderly parents? |
| I would like to get some insurance for my 2 parents. They are both seniors (1, 64 and the other 63) My mom is diabetic, and my fathers health history is unknown. Niehter of them have had health ... |
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 Do landlords usually have homeowner insurance? |
| Do landlord usually have homeowner insurance? Also is it true that most homeowner insurance have liability coverage? And if they took out a mortgage does the mortgage company require them to have ... |
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 Ticket for no proof of insurance but i do have it? |
| I bought a new car and got new insurance for it .orlando florida, i got pulled over for going 20 over the speed limit i didn't get a speeding ticket put i got a citation for no proof of ... |
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 I need Health Insurance, 23 and on my own!? |
Can anyone recomnd a company or policy that would be a good way to go????
I am a 23 year old/female, and am completly on my own, workin 2 jobs to cover the bills (including some medical/... |
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| Does homeowners insurance cover loss from remodeling theft by contractor? |
| We hired a liscensed and bonded contractor to make an additon to our home. He did demolition to the rear of our home so he could begin the addition, asked for $33,000.00 for materials and labor and ... |
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 Insurance policy for my deceased husband? |
| my husband always said he had a insurance policy but never knew exactly the name cause his grandmother had it from when he was little. Now he has passed on since 2006 and I do not have a clue where I ... |
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 I carry an HMO insurance for our family. My husband is offered a PPO thru Beechstreet...? |
| I've not heard anything good or bad (except the few answers here) about Beechstreet but can't find any of our doctors on their lists. He is being told that having their insurance would ... |
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sexymama | Life Insurance Question?...Please Help!? |
Can someone tell me which is the best Life Insurance?
Which company? What do i need to d?
And what you recomend to me? What's best for me? |
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Doing the Right Thing
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There is no best life insurance company. Someone can say their company is the best, but I don't know why they would say that. Not like they going to go to you and do business with you.
My advice to you, to make things simple, go check the life insurance companies in your area. You may want to read the different kinds of life insurance out there before meeting an agent. Your state's department of banking and insurance can provide you a pamphlet called "Life Insurance Buyer's Guide" to give you a general idea of the difference between cash value life insurance vs term insurance, which you can probably obtain at the library.
When you choose a life insurance company and the type of life product, you will have 4 different ways to pay the premium. You may it monthly, quarterly (every 3 months), semi-annually (every 6 months), or yearly. If you choose shorter payment option such as monthly, it will cost slighltly more than if you were to pay the premium once a year. Why? Each time a check is process, there is a processing fee. Some people think if you divide the annual amount by 12, it will equal as same as the annual payment. It doesn't, especially when you include the price of postage into it too.
What is the best rate for you? Rate is determined by your age, sex, height, weight, smoker/non-smoker, HIV testing, and type of job you have. Depending on how much coverage you get, the insurance company may take it a step further and do a medical exam on you. Then your rate will be determined. The best rate will be preferred, followed by non-smoker or non-tobacco user rate, followed by the worst rates which is Smoker or Tobacco-user. |
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mbrcatz
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There isn't one "best", just like there isn't one "best" fruit.
You need to make a list of what you want it to do for you, then sit down with a local, independent agent, who can match a variety of companies to meet your pre-chosen goals. |
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CaseyAngelEyes
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You may want to try a website that compares multiple companies at once to get you the best price. I am paying less than ½ after I did.
Go to: http://www.insureme.com/landing.aspx?Refby=616164&Type=life
Take care,
Casey |
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The Rabbi
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The only difference in life insurance companies is the premium.
Search life insurance and request quotes from one of the sites and wait to hear from the agents.
Term insurance is the best buy for covering your mortgage and providing money for your family.
Permanent ins. is for final expense and leaving a legacy. The proceeds are received tax free.
I recommend term for however long you need it and a small perm plan to take you to the end. You never know how much will be left when you die of old age. At least you will know that your final expenses aren't a drain on your family. |
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Rob D
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No one here, including myself, is qualified to answer these questions. Why? Because we don't know you or anything about your situation. There is no such thing as the "best" life insurance or company. Every product is "best" for a particular individual in a particular situation. You need a thorough analysis from a qualified advisor. Most can do this at no cost. |
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529s.com
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Anyone that tells you to only buy term insurance or only buy whole life insurance does not know what they are talking about. Thats like a realtor telling their customer to only buy condos. There are many types of life insurance out there and usually a combination of two will most effectively cover your financial needs.
Meet with a local life insurance professional - http://www.insuremylife.org
They will help you determine how much coverage you really need and the best way to obtain it. |
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The Economist
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The best insurance is Whole Life. It is true that it is about 10 times more expensive than Term Insurance in the beginning. However, after you own the policy for a while it has a negative cost and the dividends will pay the premium for you. If you can't afford Whole Life in the beginning, there's nothing wrong with getting term for a few years - no longer than 3 or 4 - but then convert it to Whole Life.
Whole Life is a very powerful tool and the foundation of any solid financial strategy. The benefits you get over Term are tremendous...disability benefits, medical benefits, liability protection, basic estate planning, and cash value. But the real reason you should buy Whole Life is because you can effectively spend the death benefit while you're alive during retirement (with the proper strategy). It can make non-income producing assets produce income and increase the power of your overall financial situation in many many ways. Whole Life gives you flexibility that no other product can match.
Most people - as well as many media publications - do not understand insurance and how it really works, thus you get very misguided and incorrect information.
When you cancel the Term policy you will have lost the premiums, lost the earnings ON the premiums, and ultimately you will have lost the death benefit. Insurance companies LOVE Term insurance because they pay out less than 1% of all policies. They make TONS of money off of it. And in the end, you get nothing for your money.
Buy Whole Life. |
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