 Is and insurance companey responsible for providing a rental while repairs are being made? |
| i had a furniture truck back into my car and need to bring it to be fixed , yet the insurance companey of the people who backed into me will not pay for a ... |
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 Is a persons spouse entitled to a life insurance policy no matter who is named as the beneficiary? |
| my husband has a life insurance policy but his mother is the beneficiary.........am i entitled to any of that?... |
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 Am I still covered by my employer? |
| I recently left my job and I was wondering if the insurance company has to contact me to inform me that my coverage is no longer valid or should I assume that it no longer exists. I can still sign ... |
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 How can i sue my auto insurance co. for paying out a fraudulent claim? |
| they paid $75000 on a claim that they did not find anything wrong .I did not get a ticket for the accident and the person was not touched or hit or anything at all happend to him . Only thing that ... |
|
 Do most standard home owners insurances cover sewer line breaks (not sewage backups)? |
| I see a plethora of information out there, even in my own policy, that makes it clear that sewage backups are usually not covered. However, I do not have a backup. I have a sewer line under my ... |
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 Has anyone had a problem with State Farm Homeowner's insurance? |
| Everyone in our neighborhood got a new roof after the last hailstorm, but we didn't. There was a special on our news about State Farm denying most of their customers new roofs. Anyone else have ... |
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 Am I being charged too much for insurance? |
| For my car insurance I am being charged about $260 a month. I have full coverage with a $500 deductible on an 06 Honda S2000, I have no tickets or accidents on my records, and I am a 20 year old male.... |
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 Term Life Insurance? |
| If I purchase a 10 year 'term" life ins policy in 2007 and get married in 2011, what will be my options ,if any at that time?... |
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 Is pre-paid legal a scam? Pyramid scheme? |
| I have a friend that is really into PPL, she thinks it's her saving grace. She is trying to get me to beleive her religious based scam, and signed on. What's up with this?... |
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 Medical Insurance-Blue Cross? |
| If I'm five months pregnant, can I purchase Medical insurance, right now? Would I be denied due to being pregnant?... |
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 WHY won't insurance companies sell health insurance to a woman who is already pregnant? |
| She may break a leg or get bronchitis, which would have nothing to do with being pregnant. Am I wrong, is there a company who would sell to her before the baby is born, as long as she understood that ... |
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 I need help getting cheap insurance? |
| I need help, anybody has a cheap insurance company that offers just the state requirements, all I need is state mininum, please offer suggestions, thanks!!! If it helps you at all, I'm in S.F... |
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 I was injured at a business - how can i receive compensation? |
| I broke my wrist at a local business (they had uneven concrete on a outdoor padio)- what can i do to get compensation?... |
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 I tore my acl playing basketball. i need to miss 6-8 weeks of work. Am i still entiled to a paycheck? |
| Ive been on the job for 5 months and was promised health insurance after 2 which i never recieved. Now Im hurt and can work for 2 months. Do I still get paid? Is my employer responsible for my ... |
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 What is the age limit for a son or daughter to be covered on health insurance? |
| Several years ago I recall the news reporting that children could be carried on their parents' health insurance through age 25 without proof that they were a student. My son is a student, but I ... |
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 Why do doctors treat you badly if you don't have health insurance? |
| i went to a dermatologist and she didn't seem to care about the problem i had. she didn't even prescribe me medicine for it. she let the nurse do everything and i was charged a lot of ... |
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 Someone destroyed a tree outside my home. I can't get their insurance company to respond or pay my claim. |
| This insurance company, American Freedom Insurance, out of Illinois, is not responding to my claim. Although they are not my insurance company, their insured client damaged my property. How do I ... |
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 Workers Comp investigators how long do they follow you? |
| i am not a phony case. this has been a year and im tired of it .... |
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chocoholic! | Mortgage Payment Protection...is it worth it? |
We currently have mortgage payment protection & are going to try & find a cheaper policy for it as our one seems quite expensive. But is mortgage payment protection worth it? I've read recently that it is a waste of money & not actually worth having. Does anyone have any advice? Please let me know. Thanks |
 |
 
Insurance Made Easy.biz
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Find a broker that handles disability and have them compare the policy you currently have with a regular disability policy that protects your income not just your mortgage payment. Do you have disability protection available at work? If so you may not need the mortgage protection. Will the mortgage protection pay in addition to your employers disability?
Going without some type of income protection is a bad idea. Most home foreclosures are due to unforeseen medical problems.
Try searching yellowpages.com for a Disability insurance broker in your area they are the best equipped to help you sort this out. Don't call you home and auto agent they specialize in property and casualty insurance and disability insurance requires some specialized knowledge call an expert. |
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Neil D
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Well it depends how much u r paying I guess! Sods law will be that if you ditch it altogether, then god forbid something will happen! Always the way aint it! |
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djhas1
 |
There is no one size fits all answer. The best thing to do is compare diferrent options.
1) Do you have adequate savings in an emergency fund. (Most sources recommend 6 months of living expenses) To cover your living expenses. Do you have a disability insurance policy. and finally do you have adequate life insurance.
2) Make sure you are not duplicating your insurance coverage.
3) Compare Mortgage Life Protection rates with mutiple top rated carriers.
4) Talk to your local agent to determine if they could give a comparative plan.
Personally, I don't have Mortgage Protection. However, I've made sure to maintain a good deal of life insurance for my family. More than adequate savings for my personal comfort and a very good disability policy. |
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Andrea G
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payment protection has many grey areas, and its worth reading all the small print before you sign.
if you want protection from job loss, check it out, ask the questions to the protection provider for what you would like to be covered for, jobloss,death etc.
say for exsample you could be covered for redundancey, but what if you was sacked it could be different,
what if your partner died but you was in reciept of his/hers savings over a certain amount, would you still be covered,
its a peice of mind having, but not if your not protected correctly. |
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Alan C
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I am a ifa and we make a lot of money out of selling insurance and the like sometimes even more than on a mortgage. Hows that for honesty BUT putting that aside i wouldn't say have no insurance at all just make sure its the one for you they are some good ones and bad ones out their make sure you know what your getting. Good luck |
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Ralph T
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It depends,but generally it isn't worth the cost because it only makes the minimum payment and the hassle to file a claim.
If you can put about 3 months of house payments into a savings account for emergencies do so.
If you can make an extra monthly principal payment,you can cut the length of the mortgage and save on the interest.
You will need to write 2 checks unless there is a place to make extra payments on the stub you send in with your regular payment and mark the extra as payment on principal.
The mortgage holder cannot legally collect interest on those payments and you need to keep track of your mortgage and all payments you make and when.
If the insurance is included in your mortgage payment each month,you are paying interest on that insurance too.
That is money you could put aside in a savings account.
If you live in an area subject to economic disruptions like hurricanes,it might be worth while to have the mortgage insurance while you try to rebuild. |
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sanjaymaz2
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Its only worth it if you feel that you are at risk of losing your job, otherwise you are paying for something that is not likely to be used. |
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wrlyzu r
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Learn all about mortgages here -
http://mortgage.jims-info.com/ |
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darkstone
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No it is almost certain that you do not qualify and the insurance company will take your money but not pay out.
this is an 80% probility, so dont waste your money. |
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