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 Does New York Life Insurance make its agents bug all your friends/family for life insurance?
I have interviewed with New York Life, I really like the partner with whom I would be working for but he never gives me a straight answer on how we get leads, or where our clients come from. He gave ...


 Can i sue my car insurance?
...


 How will my insurance company pay out on acidental damage to my PC?
I have home and contents insurance with Norwich Union and have just dropped my PC and now it wont work.How do I go about reporting it and what happens when I call them. I have never claimed so dont ...


 These days banks, realestate, insurance call up at odd times... they do disturb at all times?
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 Is this term life insurance worth it?
The monthly premium stays the same for the entire term.
Female, non-smoker, 28 yrs old, in good health.

Monthly premium: $12.39
$50,000 coverage for 56 years (until I'm 85 ...


 Car accident!?
A guy ran his red light totaled my car.. i made a claim through my insurance so i cold get an adjuster and i called the other guys ins bcuz nobody contacted me. So i made one for his insurance to. ...


 How much does an insurance agent makes in a year?
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 Any expert advice on one person health insurance for the self-employed?
I have no idea where to start looking for health insurance for the self-employed. Any advice??...


 How do I get my ring valued?
I'm wondering whether I should get my engagement ring insured. Does anyone know how I can get a reliable valuation?...


 Are these health insurance ads I'm seeing on TV for real?
I have open enrollment at my job for next year but I pay $500 a month for family coverage. Can I do it cheaper without compromising my families care?...


 Which are the best life insurance companies'?
name four A plus....


 Need some help here guys...?
ok so im looking for a health insurance i can pay monthly without optical included. i need medical and dental...dont want to spend more than like 200 dollars a month...help me out guys...anything? ...


 I have a life insurance exam and I smoked a few cigarettes...?
I quit smoking a few years ago but I recently lost my mother and have smoked a few cigarettes (like 6 cigarettes over the last 2 weeks). I have to take a blood test for for a new life insurance ...


 Is there anybody who can give me guidelines on making life insurance advisors?
I need Insurance advisors,how can i make life insurance advisors?...


 Do I really have to disclose everything for a life insurance quote??
My wife has a family history of cancer which is causing my life insurance quote to change from £15 a month to £50. Do I really need to disclose this info to the companies, or should I not tell them ...


 Can your family cash your life insurance policy if you're killed in a crash & test positve for drugs/ alcohol?
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 Does anyone have term life insurance with primerica? Are rates with another company better?
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 I have lost my national insurance card and i do not know the number,
i need it for an interview quick what can i do?...


 What could I do if a company keep sending billing statements that were not my responsibility?
I have done an x-ray in a lab a year ago. The lab failed to submit the claim to the insurance company soon enough. As a result, the insurance company refused to pay the claim. Then, the lab sent the ...


 In the case of an insurance, what does $100 deductible mean?
this is a question from a test. i'm sure a lot of you guys know what it is....HELP!!
Additional Details
a. $100 is deducted from your insurance premium each year.

b. your ...



JJ
What are the things need to do while starting an insurance policy?
I am going to start an insurance policy in Newyork life insurance policy. I am taking policy through one of my friends. I just want to know what are the things I need to ask them for clarification while taking this insurance policy. I am not aware of the interest rate or any other benefits. Can you pls guide me with this?
                     
 




satheesh
OK. it seems you are committed to your friend and his company. so there is not much questions. in this business you cannot expect much benefits. most probably your friend will be expecting a reasonable premium amount and you should try to reduce it to your conditions. first you think how much insurance you need. there must be pure term insurance where the premium is too low. this will give you the basic protection. you can also ask for some critical illness , accident and other necessary rider benefits. if you are not much bothered about the life risk factor and needs returns from the money and willing to share the market risk you may go for a unit linked life insurance in that case the investment amount will be much bigger and your friend will also be happy. In that case ask for the investment portfolio, performance of the fund for the previous one year , the various charges etc.


bud68
Why are you getting this insurance? That is the most fundamental question.

Life insurance is not an appropriate "investment" for you. It's primary purpose is to protect survivors that depend on you.


car253
Sorry but your friend is selling you their most expensive policy. It also provides the company with the most profit. Ask him about the cost for term and invest the savings difference. NY Life also has savings investments like IRA's. stocks and other things to invest in instead of throwing your money away in a life insurance policy.


dwp_ins@verizon.net
Go to your state's department of insurance site. Usually they have consumer articles about different types of insurance policies including life. They are no bias and give some great tips for consumers.

You can find a link to your state's department of insurance at the bottom of the following site: http://www.InsuranceEasy.org


Insurance Pickle.com
Rating
Ask your friend if he can act as a broker and sell you a more competitive policy. What are the odds that the agent of NYL is going to show you a NYL policy?...But, what are the odds that policy is the 'best' one for you?

Look here to get quotes on policies and have your friend sell you one of these. It's good to do business with friends, but make sure what you're buying is good business for you...

http://insurancepickle.com/life-insurance

The quote engine only requires a date of birth.


Jitu
in FEW COMPANIES the agents are thrown out with a drop of a feather, hence if your policy buying decision has an iota of a focus on your friend then check with the turnaround ratio of agents in that company. You will not be called an orphan policy holder then. I hope you are getting the hint


Shreeniwas Gadiyar
Rating
ask what is the claim settlement ratio of the company with proof of the same. ask for rules for exception of accepting of claim.

Insurance is not about interest rates and benefits, itz all about servicability of the insurance company.


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