 Where can I go from here? What about a CPCU Designation? |
| I'm 23 yrs old and I have 5 years experience in working as a property and casualty agent. I've worked for GEICO and Nationwide, I am currently working at a Nationwide Agency and I work with ... |
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 How's $5.30/week for $10k worth of whole life insurance? |
It's for my wife who's disabled and 55.
Additional Details
FYI an indep. agent told me it was a good price and State Farm has a similar policy for $10 month more.... |
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 Health Insurance for non-fulltime student? |
Hello, I am 21 years old and currently under my dad's company insurance through Blue Cross as a full time student. The policy is that they will cover me if I remain a full time student.
<... |
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| I need health ins for my family. HELP PLEASE???? |
| I have gotten quotes but they are all roughly 1000 dollars a month. That seems a little crazy to me. Anybody have any suggestions.... |
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 Life Insurance: Which companies out there are the "top rated" in perspective of service *AND* price ? |
| With so many companies and websites to choose from, how does the average person know which company has the best service--along with reputation ? In addition... Is 'Primerica' truly the &... |
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 Home insurance? |
| state farm refused to renew my homeowners insurance. they told me i live with 1000 feet of coastal waters. i'm on the north shore of long island, for goodness sake, it's not the south ... |
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 Auto insurance company that wants me to pay upfront? |
| I need general information concerning auto insurance complanies that pay claims directly to the driver. They want me to absorb all costs (repairs, rental, etc.) and then they will issue me a "... |
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| I don't really undrstand how it will work out. The lawyer told me that I will leave out his office a happy lady. But I lost my car in this acident , and the insurance company only gave me the NAD... |
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| My boyfriend of 2 years is a 26 year old commercial pilot and flight instructor (hopefully airlines soon). We plan to get married in the next year or two. I was thinking that I should take out life ... |
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| I have been left with multiple bruising, shock, trauma and deep anxiety. What is the best way to claim compensation for this?... |
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 If I were to die tomorrow, does will my life insurance policy pay off some forms of outstanding debt? |
Or will my beneficiaries get all of the insurance money?
Additional Details
I don't have any children of my own. I have left my life insurance to my mother and my sister. So does ... |
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 I'm on my parents insurance, can they see the procedures I have done? |
| Im 24 years old & about to have a proceedure to check for HPV, but know that telling my parents I've had sex is not a good idea at all. Due to my circumstances, I am still on their health ... |
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 Do you have to pay a down payment every time you renew your insurance pollicy? |
| I've only had insurance for a year now, when i first got it i paid a down payment of so much, but i thought that was just a one time thing. Now it's time for me to renew my policy and they ... |
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laura m | Life insurance-contingency? |
I sound like I am snooping on my husband...tell me what this means...he told me that I have 100% of his life insurance policy if he dies. He told me that he would want me to give 20% to him mom and 20% to his dad. Then I found a letter from the company that lists his mom as "contingent" for 50%. Was he lying to me? What does this mean? Thanks much.
Additional Details
He just told me to give his parents each 20% and I know this looks bad especially if and when we ever have kids...and no there was no one else listed for the other 50%. |
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mbrcatz
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It means, if you die before him, or at the same time as him, THEN his mom gets the half. Hopefully, the other half goes to the kids. |
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Hadley
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The contingent beneficiary is the person who receives the life insurance proceeds if the primary beneficiary and insured have passed away. |
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Michael F
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Sounds like he is telling you the truth, you should be the 100 percent benef. involved, if you should predecease your husband, the contigeny benefit would have your mother inlaw and father in law as primary bene's |
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Hydrox
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There is a beneficiary - who gets the money from the policy.
Contingent beneficiary is the person that gets the money if the primary beneficiary is no longer living.
So If you and your husband die together - say in a car accident, the money goes to his Mom.
If you out live him - you get the money and his parents get nothing.
Did it list someone else as a contingent beneficiary for the other 50%? |
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The Oracle
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No, but you guys should probably know what you've got.
The "contingent" is the person who is the beneficiary if the primary beneficiary dies. For example, if both you and your husband died in a car crash, his mother would be the contingent beneficiary.
Here's the question. Right now, it looks if he dies, you get 60 percent, and each of his parents get 20 percent. Without getting too nosy, do his parents need that money? If they're retired and have no income coming in, they shouldn't need the extra. But if you're the survivor, have a house and kids to pay for only one income, that's a big deal.
Don't worry about the contingency, but do discuss the beneficiary situation with him unless 60 percent of the death benefit will cover all your needs if he gets hit by a bus tomorrow. |
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J P
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The contingent person is the person who is "second" to get the money if you are dead before your husband dies.
I believe what your husband likely means is, if he dies and you receive the life insurance you should give 20% to his mom and 20% to his dad. If you die first, he probably has it set up as 50% to each of them. |
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