 Help with insurance? |
| okay i am getting insurance at work and there are 2 plans one is 8.75 a month and does not have supplemental inhospital surgery or maternity coverage and the one that is $13 dollars does. what should ... |
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| Do you think that insurance is the closest thing to legalized fraud???? |
It now costs over $400 per month for the average group medical plan that has a $500 deductible and then only covers 80 percent.
Say you have a major trajedy, your still screwed, you'... |
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 Auto accident not my fault, how will this work out? |
| I was in a wreak Monday. This guy failed to yield at his yield sign, then he illegally crossed 3 lanes of traffic to get to the side street across the main street. Here's a drawing of the ... |
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 What if every American had Health Insurance? |
| What would it do to costs? What would it do to quality? Would there be a shortage of Healthcare workers?... |
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 How much life insurance do I need, can I be overinsured? |
| Lately, I've been thinking alot about my death, I have two sons and I don't want my passing to leave them in debt, in fact i would rather they both ended up with something. I have a policy ... |
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 Insurance, Void or Not? |
| I live in a Listed Building owned by a Housing Association. Entry is gained via secured doors. One of these doors has been broken for several weeks, allowing anyone to just walk in. The Association ... |
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 Hiring 1099 contractors that are not insured? |
| I hire friends and some of their friends to help set up events. Each event is different and these guys work for multiple companies not just mine. I have them sign a Independent Contractor agreement ... |
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 $70,000 medical bill! HELP!? |
| I have a friend who was in an ATV accident a few years ago. At the time of his accident, he busted up his arms pretty bad and had to be Mercy-flighted to Buffalo NY. He did not have health ... |
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 Can i qualify for medicaid if i'm NOT pregnant and still live @ home? |
| I'm 23 and graduated from college in june, but cannot find a job with medical benefits. so i currently work a part time job for minimum wage and live with my parents.... but when i graduated, my ... |
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 Is it fraud? |
| Is it fraud if I had my car damaged by someone else and they want to pay out of pocket for it, and I get an estimate and they pay me, but I don't get it fixed. Is that considered fraud?... |
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 Does anyone know anything about working for primerica? |
| I am looking into working for them or some other. just seeing if anyone has any experience with them.... |
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 Medicare Health Insurance Question!? |
My Grandmother has a medicare health Insurance card.
It says effective date 10-01-1992
Is Entitled to Hospital part A Benefits only
Do you think this card is still good? Can She ... |
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 Is renters insurance worth it? |
| considering getting rental insurance but is it worth the monthly payment? since i'm renting, i assume the owner has homeowners insurance, and wouldn't that cover us in case of emergency?... |
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 Which situations does life insurance not pay out when an elderly person dies? |
I know the case with homicide and suicide, but are there others?
Additional Details
I was looking for looking for a policy that includes natural and accidental ... |
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spot | Mortgage payment protection insurance question? |
Is this practically the same as term life except ins co will only pay the outstanding principal? As far as the ins premium goes, would they use the same scale that varies by age and pysical condition? Would they also cover disability, loss of jobs, etc? |
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Jinha
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it works as same as life insurance but only person benefits out of it is your mtg. co. they get paid for the balance of mtg. it does not cover disability etc. best thing is to get your own life insurance it could be term insurance for 10 or 20 or 30 yrs with your immediate family as the beneficiary. if any thing happens to you and your family is comfortable to pay the mtg payment, they can utilize the money to for something else or pay the full mtg. at there discretion. Also a term insurance would be lot more cheaper |
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rahnside
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the company I work for offers the term type insurance that you look like you are looking for
to answer your question some insurance policies are level term and others are decreasing terms the decreasing would only pay the outstanding principal. where as the level policy would usually pay out to your family. and yes they use the same table as a life insurance company in fact we use Life insurance companies for all our policies that we write and you can attach those riders that you are talking about but some of them depending on what state you are in they are not offered
send me an IM if you want more information |
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Gaily
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PMI is something you have to pay extra with your regular monthly mortgage payments because you did not put down atleast a 20% downpayment on the mortgage loan. This is something all banks use...basically you are paying for insurance for the bank that if you decide to not make payments the bank doesnt lose any money. |
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nurse ratchet
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I agree with Paula. The benefits go down with the amount you owe. Why not buy a term life policy that costs the same but the benefits don't decrease? I can usually get a 20 year term for a lower premium that credit life insurance, and it has much better benefits for your beneficiary. Talk to a good agent that looks out for your best interest, not just trying to sell you something to make a living. |
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Paula M
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It is BAD, BAD, BAD.......don't sign up for it.....it's the newest way sub prime lenders have to get an extra 100 bucks a month. The benefits are actually misleading.....and they don't pay off the mortgage balance......they pay the monthly payment for a finite period of time. IT IS a joke!!!!!
you would be better off just saving the month each month.
DON"T sign up for it......If you are healthy and employed, you do not need it......Just contribute to a savings account for emergencies. |
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Suzanne: YPA
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A mortgage life insurance policy offered through your lender is a group term policy that pays using EITHER an amortization schedule OR by using the outstanding balance at the date of death, minus outstanding late fees.
Mortgage disability polices typically pay the monthly amount due to the lender. These policies only pay up to a certain number of months, such as 24, 48 or 72 months. Benefits end when the disability ceases or the maximum benefit is paid.
Premiums will vary according to age, but are not adjusted according to health. Typically, if an applicant has any health conditions, the coverage is declined.
Mortgage unemployment insurance is available, but very few insurers are willing to cover this any more. Ask your mortgage lender if this is available.
One thing to keep in mind is that the mortgage company is the beneficiary of any proceeds paid due to death or disability. These policies do not provide income directly to you. If you want income in the event of such a loss, speak with an agent and get quotes for a term life policy and/or disability income policy.
I hope this helps. |
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Elizu
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I think is better if you call you insurance company.
PMI cover if you can not pay any more you mortgage. |
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