 Does anyone know of an insurance company that won't discriminate against people with multiple sclerosis? |
Husband and sister-in-law both have M.S. and we are having great difficulty finding company that will give us a decent proposal.
Ones we tried so far, premiums too high and final payment not ... |
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 For those who have no medical insurance? |
| what do you do when you need prescriptions? We don't have medical insurance right now due to my husband switching jobs, and he needs blood pressure medicine that runs over $100. I called his dr ... |
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 Health Insurance? |
| My mom had her gallbladder taken out few months ago and now she got the bill and her health insurance will not pick any of it up and she owes the hospital five thousand dollars. What is the best ... |
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 How do i prepare for my death? |
| i have some baseball cards and a car and two cats that i want to make sure someone special gets after my death, who do i contact? also, how do i buy a grave site and who gets to pay my $3500 in ... |
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 Can an insurance company withold a no claims certificate when you still owe them money? |
| I have a dispute with an insurance company, I have now got a new insurance company but still owe money to my old insurance company. My new Insurance Co. want proof of my NCD but my old Insurance Co ... |
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 Dog insurance? |
What is the best dog insurance to have these days.
My older dog has always been with petplan.
I now have an 11 week old puppy & she will cost more per month than my 7 year old.
The ... |
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 If I sue someone whose dog bit me and win, will I receive compensation, or can they bankrupt? |
| The medical bills just keep growing, and I need to be reimbursed. If he doesn't have homeowners, and I sue him personally, will he be able to bankrupt and skip out? He has a house that is worth ... |
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 Will my home owner's insurance pay for damage to a friend's car cause by a tree falling in my driveway? |
| the friend's car was parked in my driveway when a storm blew a tree (mine) over causing damage to the ... |
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 OH MY GOD. i neeed help NOW. fast. please help me.? |
| dont ask, my friend and i went around her neiborhood to these apartment buildings, and we went to our friend's house and we wanted to show her this raw meat we had, and she wasnt home so we put ... |
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 Does anyone know a good life insurance policy? |
| I have been shopping around for life insurance that will not cost crazy premiums, anyone have good experiences. I am in my 30's and in good health.... |
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 Is a chiropractor allowed to charge more to an insurance company than they do to a client directly? |
| I have a limit to how much insurance I have per year and my chiropractor seems to charge considerably more if the insurance company is paying then to me directly. Is this legal?... |
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 Is it true that once I turn 22 I will be dropped from my father's insurance even if I am still a student...? |
in college? Can I pay a certain amount a month to still be on his plan?
We have Blue Cross but I am not sure if that makes a difference.... |
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 Insurance not responsive? time to get a lawyer? |
| my roommate and i were robbed about three months ago. they took several thousand dollars worth of things. we called the police and filled out a report. luckily we also had renters' insurance so ... |
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blue78669 | What does "term" life insurane mean? |
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joe b
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It is a life insurance policy that covers a specific "term" or period of time, often 5, 10, 15 or 20 years during which time the rate does not increase. Premiums generally increase at the end of each term period. Example: a 5-year Renewable Term Policy renews at the end of 5 years and the premiums would increase. The policy can usually be continuously renewed (kept active) in this way to a certain age, when coverage ends, often at age 70, 80 or 100, depending on how the policy is written. On the other hand...
Permanent or "Whole Life" Insurance is policy that is guaranteed to stay in force for your lifetime. The premium rate is also fixed (never increases) for life. Premiums for whole life are generally much higher than term life at the outset. But those periodic term rate increases catch up as you grow older. Eventually, if you live to be 60 or so, a term policy will end up costing more per month than whole life. Term is best for young and growing families where maximum protection is needed for the least cost. Along with it, you should have a small amount of whole life you can keep for your old age and final expenses. |
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Someone with a free answer
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It means that you buy life insurance for a period of time, or a term. |
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Thomas P
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a period of time ,or when you meet your water-loo,whichever occurs first |
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c_choff
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Term life insurance means you pay your monthly premiums until a certain age. Usually 70, and if you die in that time you are insuring that your family will have money to pay for you funeral costs and standard of living they are accustom to. If you reach the particular age without dying, you get ZERO. |
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BILOXI
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It means you do not know the expiration date of your birth certificate. |
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SuccessBroker
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Another word to describe "term" insurance is "temporary" insurance. I sell life insurance and I would recommend Term under 2 circumstances: 1) if you know when you are going to die, because if you live past your policy's term, it pays your family nothing, or 2) if you are young and just starting out in your career, once you get married, purchase a home and have children, you should consider permanent insurance. |
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Molly
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The above answers are correct. Term life insurance is typically less expensive then its alternative, but when the term is up there is no value left over.
The alternative is to purchase a cash value policy. The premiums are higher, but the policy builds and actual cash value which a person (or company) can borrow against. Some use this as an investment which also carried the death benefit. |
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johncondo2001
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it has a limit on it like 10 years |
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money_locater
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FYI 97% of the term insurance policies never pay a claim. The insured outlives the policy. The question is, does that insured person (or his/her family) still have a 'need' for life insurance? |
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