 Health insurance question? |
| I have no health insurance i am self employed and haven't been able to afford it. I have never really needed it until now. I have a problem that i can not sleep at night. i get up to pee alot of ... |
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 Don't tell anyone? |
| but I've had this idea. I'm bankrupt, so plan on going canoeing at sea, faking my death, growing a big beard and living in the bedsit next door while the missus cashes in on the insurance ... |
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 Why it is cheaper for an 18 year old to buy life insurance than it is for a 40 year old? |
why it is cheaper for 40 year old to buy automobile insurance than it is for an 18 year old?
why some people prefer term insurance even though it does not have any cash in value? why other ... |
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 Can I omit information on a health insurance form? |
| I have been having a hard time getting health insurance in Canada because I have been a carrier of Hep C for 21 years. Even though I have no symptoms and have liver function tests every year that ... |
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 What are the basic things a person must do to retire well? |
What are the things needed to be done by a person who've just started his career, in order to secure a good retirement?
How much to save, what kind of insurance to follow, taxes to ... |
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 I need a health insurance that covers pre-existing conditions? My work doesn't offer insurance.? |
| I'm a healthy person but I need depression and anxiety medication. I need a health insurance that can help me out with the costs of my medication and my office visits. I also have a regular ... |
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 I need a life insurance policy? |
| I am wanting some information about life insurance policies and how they differ. Are some better than others? Anyone here have any experience with this topic. Are there some policies that are not ... |
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 Health insurance for stepchild? |
| I have a son and the man who I am to marry is not his natural father. When we marry will my son be able to be under his health insurance (blue cross blue shield)? I was not married before but I ... |
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 Insurance claim for theft of electronics from my home.? |
| Someone stole a laptop, TV, CD's, XboX from my house. I filed a police report and claimed the items with the insurance company. They said they would pay me the replacement cost of the items ... |
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| Is there any insurance chepaer than geico? |
Additional Details
please give me some web sites,... |
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 Borrowing on a life insurance policy? |
| If a life insurance policy was created more than 2 years ago and it's worth $100,000. How much would you be allowed to borrow from it today.... |
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 When should you increase insurance policies? |
| My husband and I have insurance policies through his work. We have no kids at this point but would like to have kids in the next few years. If I got pregnant, and heaven forbid anything were to ... |
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 How should i word a letter to a customer about a new product we're offering? |
| I work at an insurance company and we now offer life and health insurance. we also offer lower rates for auto insurance.... |
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 Life insurance question.? |
| can your family collect it if someone commits suicide. for instance,when i shoot myself in the head and die,will my family get anything for it? honest answers only.... |
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 Adding "step-children" to insurance policy? |
| i have a daughter from a previous relationship who is 7. I just recently had my second child, who is 4 weeks old. Her father is adding her to his insurance and we were wondering if he can add my ... |
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 Is it her own fault? |
| During the hosepipe ban, my mother has been struggling round the flowers with a two gallon watering can and it's pulled her tripes out. Can she sue the water company?... |
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| Pregnant with no health insurance? |
| My homegirl is pregnant and this retard just told me she has no health insurance and hasn't been to see a doctor. She is 12 weeks pregnant. She does have a job, but only makes 12.00 and says she ... |
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reba | What are the best life insurance companies? |
I live in KC, MO and i'm a stay at home mom of 4 soon to be 5 kids, and i'm looking for a good life insurance for my hubby. |
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Bradley S
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The “best” way to find out which company is “best” for you is to talk to an independent insurance broker. A broker works with several companies and can point you to the best one. To find a broker in your area, log on to a website like http://www.lifeinsurancewiz.com and fill out a form requesting a free quote. Your information will be sent to a broker in your area who will contact you. |
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Jenna
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I have Met Life it seems to be great. |
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Ghanu M
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There are various reputed companies in competition with each other. The link I can provide to you will take you to an excellent site where you will have a chance to compare insurance quotes and services offered by reputed companies. So naturally, where there is a competition, customer stands to great advantage!
Feel free to contact me at
ghanumal@yahoo.co.in |
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jkrd156
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Using an "independant" agent limits you to the companies that they represent. Try the state department of insurance to check if there any complaints on the companies you are interested in. Check the A.M. Best rating of the company as well as the Moody's rating. They will tell you who the best overall companies are. Then, find agents or brokers for the best 2 or 3. Talk to them and see how they fit you needs and if they ask you more than tell you. |
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laura j
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My Mama used Hartford and when she passed it did not take them long to send me her policy info. |
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Richie Rich
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Primerica Life. Rated A+ or higher on AM Best. Has no War Clause, usually pays within 4-14 days. Agents can also provide other services to help reduce costs. Offers term insurance and ONLY term insurance. No cash surrender value policy being offered and will not convert to one.
Is also Guaranteed renewable. You get cancer while policy is in force, keep paying the premiums. Upon renewal, price goes up based on obtained age ONLY, not health status. Rate is kept as well. Most companies will make you switch to a policy with MUCH HIGHER PREMIUMS if you become uninsurable.
Your best choice though will be one that offers a child rider that will cover all 5 at the same price, no war clause (death by terrorist attack would activate this), guaranteed renewable, banded coverage (gets a lower rate over all).
Convienitly, a Primerica policy does offer all of this.
It is also important to be able to trust the agent you talk with. Don't underestimate your value either. Just because you don't bring home any income, if you die, your hubby will have to find either someone to stay and take care of the kids or put them in day care. To replace you monetarily would probably cost him about 40-60k per year. |
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Joshua B
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Western and Southern Life, it is a Fortune 500 Company and has been around for 120 years |
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Joe
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The best companies are Northwestern Life, New York Life and Mass Mutual. All 3 have the best ratings and all 3 are mutual companies.
All 3 have higher premiums then your on line quotes. Of which most of those on line quotes turn into leads that the on-line page then sells to Agents at anywhere from $10 to $50 per name. Most Agents buying leads are newer Agents looking to get a foot hold in the industry. The drop out rate for an Agent is over 75% in the first 2 years.
When you do sit down with an Agent make sure you ask how long they have been in the business and if they have done any additional continued education courses like a CLU or ChFC.
The cheapest term is Banner, West Coast, Lincoln, Equitable and Prudential. They all will pay if your husband died but the duration of when they pay you will vary by carrier. Also a no contest clause sometimes will be disputed by the smaller and not so highly rated carriers. This is usually 2 years after policy date and then they have to pay regardless of the scenerio.
Go with the New York Life. It will cost more but you will be happy with a superior product.
Good luck. |
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