 Should maternity coverage be optional? |
| Maternity coverage (usually at 100% coverage) is usually included in most health benefit coverages and yet only applies to a small fraction of the people who have health coverage. It's also the ... |
|
 What qualifies as a pre-existing condition for insurance, and is there any way around it? |
| My boyfriend is self-employed and also works about 20 hours/week for a retail store. (No benefits.) He is uninsured and now just learned he needs to have surgery. It is not life-threatening, but ... |
|
 How can I apply for Insurance??? |
Is there a site where i can go and Apply for Insurance??? Is there another way to do it??
Thanks that would be great.... |
|
| How much of ther interior of my condo is covered under "bare walls" policy? |
| Will a bare walls fire policy cover bathroom fixtures and flooring etc? what about plumbing and lighting?... |
|
 Is Pre-Paid Legal in South Dakota? |
| Trying to help a friend get legal help!... |
|
 How do life insurance companies make money? |
I mean, there's not really an ideal customer. Everyone's gonna die.
I did the math for my life insurance. I'm 22. I'm young, healthy, and I don't smoke. I ... |
|
 Blue Cross/Blue Sheild Customer Serivce Representative? |
Does anyone know what this posistion pays? They have openings for this, but give no indication at if it is hourly or salary.
Additional Details
it doesn't say online or in their ... |
|
 How much money "commission-wise" would an insurance broker make if I bought an $8 million dollar life policy? |
I am purchasing an $8million policy on my life through my insurance broker. I want to know how much he make monthly, yearly, or however the payments come?
Any idea?... |
|
 How can I find about a old insurance policy that I have that is paid in full but bought by another company?? |
| I have several old policies that have been paid in full but the company was bought out. I need to find the new company but dont know how!!!... |
|
 Does all the insurance companies offer a car while your is not working? |
| I recently was involve in a car accident and I need the car I have Mercury insurance do they paid fro a rental car?... |
|
 How many insurance agents in lic of india ? |
| No of agents in Life Insurance Corporation of I... |
|
 I am looking for a good company to go to for life insurance. What company doesn't increase their premiums? |
| I just received my yearly premium from Chase Insurance. It has gone from $354.00 to $1759. It only stayed the same for 5 years. Now it will go up each year. I am looking for a company that will ... |
|
 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?... |
|
| Can i get the money that i put into my insurance back? |
| i just found out that my life insurance will go up every 5 years,,,i didn,t know that,,,,can i get my money back that i have paid into this policy because i am ... |
|
 Employer Health Insurance for Spouse? |
| Hi, if my wife does not work, is my employer required to include her as well as myself in his health insurance? I have recently changed jobs, and added my wife's information in the application ... |
|
 How much should i insure my house for? |
| My house and land (combined purchase) cost $185,000.I have stainless steel appliances, (combined D/W, microwave, fridge, electric stove, central air and water heater. Furniture (contents) not ... |
|
|  |
Amar | Looking for Disability Insurance? Where should I start? Any suggestions of good proviers? |
I have recently became a independent consultant and am looking for getting a Disability insurance. Would like to know the experience of other people who got disability insurance privately like me. |
 |
 
MoniqueLise
 |
Disability insurance purchased individually is expensive. Also, if you are an independent consultant, be sure that your disability payment will be based on your past earnings -- perhaps a five year running average. Otherwise, if you have a bad year, your disability insurance could get away with paying you little or nothing if you ever actually need it.
You can only get coverage up to a certain percentage of your income. Even if you get as much disability insurance as possible, in most areas of Canada and the US, you can only collect a maximum of 80% of your pre-disability income. Your lowest cost option will be for a policy that will provide you with 60% of your income. Given that you are getting this policy individually, and are paying for it with after tax dollars, any payments to you will be tax free. |
|
kalai s
 |
I hope this link will give you the reqired information....
http://www.freewebs.com/get_loan/ |
|
SafetyDancer
 |
"ML Attinger" gives good advice. I'll just add a few observations:
1) If you are just starting out in your new career, the insurance company may have some problems determining how to insure your income since you probably don't have much of a history of income in that occupation class. Usually, they want two years of income history for that class.
2) "Consultant" sometimes run into problems getting DI because the insurance companies don't know exactly what you do. Provide your agent with as much specific information about what you will be doing as possible. I would suggest a detailed "cover letter" to the application explaining such.
3) And, speaking of agents, try to find an independent agent that has some experience with disability income insurance. Not many agents know how to do it well. A few actually do nothing else and they would be the best to help you.
4) Carriers that have dedicated DI divisions or that specialize in DI are: The Guardian, Northwestern Mutual, MetLife, Standard of Oregon, The Principal Financial, Mass Mutual, and Unum Provident.
5) Final thought: if you have any history of anti-depressant or anxiety medication, you are almost assured of not getting successfully underwritten by the major carriers. I only know of one (there are probably others) that consider it and it's called Fidelity Standard out of IL.
Good luck. This coverage is extremely important and often ignored by consumers. You are very wise to seek it. |
|
Terry G
 |
All I can answer to this, Is be very carefull. I had %200 coverage in case of an Illness or injury. Became very ill at work, and attempted to collect my insurance, they told me that my illness was NOT covered, even though I could no longer return to work. So be very detailed in looking thru the options. Most companys will sign you up, but will NEVER pay when needed. |
|
insuranceguytx
 |
Visit www.disabilityinsuranceforums.com and ask there |
|
Dolly
 |
They are the best providers in disability insurance,
"http://www.tkqlhce.com/email-1961891-... |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
6 | 19 minutes(s) ago
| | | |
6 | 27 minutes(s) ago
| | | |
6 | 32 minutes(s) ago
| | | |
6 | 1 hour(s) ago
| | | |
6 | 5 hour(s) ago
| | | |
6 | 9 hour(s) ago
| | | |
6 | 1 day(s) ago
| | | |
6 | 4 day(s) ago
| | | |
6 | 5 day(s) ago
| | | |
6 | 1 week(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
