 If you think you have cancer but have not been diagnosed, is it possible to get life insurance without an exam |
| Call me stupid, but I would really like to have life insurance before I embark on the cancer journey - just in case things don't go my way. If I obtained one of the no exam, online policies ... |
|
 What do you guys think about accident and cancer insurance? |
At $1104 a year, do you think it's worth to have accident and cancer insurance?
Insurance saying: Don't risk a lot for a little.
Additional Details
My husband and I have ... |
|
 What insurance company has cheap rates for adding 16 yr old? |
I'm asking for my mom...
She got a quote from Nationwide & it was $190 every month. That is who she has now. Then Progressive quoted her $289/month.
Gosh, it is expensive!... |
|
 HOW DO i RECEIVE MY PRIZE WITHOUT INSURANCE? i DON'T HAVE ALL THAT MONEY.? |
| Is there any other way to receive the prize that I won without any payments of shipping.If not then I didn't win. Becasuse I don't have the money to cover the issurance and shipping price.... |
|
 Cashing in a my life insurance policy? |
| I have an insurance policy that has been paid in full that was bought for me by my grandparents when I was a kid. I was wondering what the pros and cons of cashing it out to pay off all of my debt ... |
|
 My chronically ill child(15) has spent her 1 million lifetime health insurance maximum. what do we do now? |
| we make 100k a year.but even this is not enough for her medical expenses. Are there programs we can use if we make too much money but can't afford her medical care without insurance.... |
|
 Which Is Better Term Life or Whole Life? |
| Im under the impression that if you get Term Life, and lets say you die at 12:01 a.m., the day that you need to renew your policy, then your screwed because the term of the policy is already over. Y... |
|
 My wife is having our first baby, I have a question about insurance/hospital costs? |
I have Bluecross of California, this is our insurance info:
$300 deductible
25% co-insurance
$2,500 out of pocket maximum (stop loss)
So if my wife has a hypothetical ... |
|
 Can I be forced to pay insurance for stepchild? |
Here's the situation. My husband makes very little money. I have him covered under my insurance policy.
Until recently, my stepdaughter was covered under Child Health Care Plus. C... |
|
 My brother is 40 & has a great paying job but NO insurance of any type. He say he needs none, is this true ? |
| He has no health ins, no life ins, no dental, he does have a job that pays roughly $350 a day (chief software engineer) proficient in numerous software languages, ie. c++, visual basic etc - but zero ... |
|
 Life insurance...do I need more coverage? |
| I am 27, good health but family has a history of high colesterol, high blood pressure, cancer, etc... I am also a single father to a 4 year old girl. I have a small ammount of coverage through my ... |
|
 Are answerers immune? |
| from legal action in the event of erroneous answers.... |
|
 Need name for my new business? |
| I NEED HELP TO CREATE A NAME FOR MY INSURANCE AGENCY. DON'T WANT TO USE A PERSONS NAME OR MY NAME. I WANT SOMETHING STRONG.... |
|
 Need help with a health insurance question.? |
| I have been offered a much better job than what I have now in another state (12 hr drive away). My wife is pregnant and due at the end of November. If I take this job she would no longer be covered ... |
|
 Where can I buy group health insurance besides work? |
| I'm thinking of starting my own business, or just going on sobatical. I need catastrophic coverage (emergency room visits) and a good prescription plan (to cover long-term meds) at a minimum. F... |
|
 No insurance to pay off hospital bills? |
| I recently went to the ER for pain in my abdomen and now i have recieved over 7,000 in medical bills plus the ambulance fee. I live in Illinois and supposedly no one is turned down for medical ... |
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cbjdot | My insurance claim has been passed to the underwriters, what does this mean? |
do they decide on the benefits you receive? |
 |
 
mbrcatz
 |
It's pretty unusual for a CLAIM to pass over to the underwriters. It would be helpful if you could tell us what kind of claim this is (death claim on life insurance, medical bill, car, house, workers comp, etc.)
What it means, is the underwriter has to look at the policy terms & conditions, and determine if the claim is covered. What this implies, is that there's something really oddball about your claim, because the claims adjuster couldn't figure it out themself. |
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qai5er
|
Most companies who sell insurance do not sell their own product. Infact they are "middle men" for insurance companies. E.G. HSBC use Norwich Union to provide their customers with Insurance. Norwich Union are therefore the underwriters. Basically this means your claim has now been passed to the company that actually insure you. |
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superman in disguise
|
Insurance companies underwrite the risk they take when they insure you, your car, house, whatever. The people or firms they use to underwrite the risk are called the underwriters.
They will decide if your claim is valid or not.
It is the first step in getting your claim settled and there is no real time scale on it. It could be quick for a cut-and-dried case, or could last ages if they think there is something not quite right.
They will have an input on just how much you get, yes. |
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jeff k
|
They just check your claim to see if they can wriggle out of it. |
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starlet108
|
It means is under investigation either regarding the claim or what amount you get x |
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MiZz RuBy
 |
the 'underwriter' are the people who decide if you get the claim or not mostly the manager |
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djmonsta200883
|
The underwriters are the people who make decisions and override the computer's automated decision, in insurance companies case, always denied at first. They will decide if you deserve a payout and for how much. |
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bor_rabnud
 |
No they just check out the claim for like a double check to see if it is right. |
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The Mechanic
|
That means you are going to be payed and the value assessed |
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deldarko1977
 |
it means that your claim is being investigated by the people who ultimately make the decision on wether to pay out. this is not good news as it should have just gone through as a straight claim.
underwriters are only called upon when a claims advisor has problems and does not know wether to pay out or not...or they may have found something wrong within the claim, something that may even invalidate it.
you should have an answer very soon...good luck |
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greydays
 |
All claims are ultimately decided by the underwriters, they make the decisions so you shouldnt have to wait long |
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I'm Gonna Tell You
|
Underwriters are who fund your insurance company. They are checking for the necessities of the procedures. |
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Bob P
|
You will be getting paid soon. |
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london lady
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its like a guarantee thing. |
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Dogzilla
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Yes...exactly. |
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