 What are the "types of health insurance"? |
| I was going call around for health insurance & a girl asked me what kind I wanted. I had NO IDEA how to answer that. ps, I'm 40, non smoker, live in Illinois, healthy.... |
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 The rise of healthcare rates are criminal in the united states what do you think? |
My healthcare has increased from 10.58 a pay period to 99.58 a pay period !!!!!!! Those that are self employed... forget it there insurance premiums are absurd !!!!!
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 What is my insurance plan telling me? |
I have a deductible of $500 per calendar year. My maximum out-of-pocket limit is $2,500 per calendar year. I have a copay of $15 per visit to my PCP.
So I pay the entire amount of my ... |
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 Home insurance rates.? |
| Recieved a letter yesterday from my insurance company. They are now going to base home insurance rates based on your credit score....WHAT?... |
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 My husband was in a reck with his sgt and his sgt didnt have insurance the day he rearended my hubby...? |
ok so i have a crazy situation, my husband will be a car and his sgt will be b car..
a car was in front of b car and was driving down the road a car had to swerve to the side of the road ... |
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 I jumped from my fathers roof trying to get down.I broke both feet and had surgury.? |
| I lost my job over it and will be out for several more months.It was my fault, I did a stupid thing.I live with my father.I don,t have any med insurance now, and need therapy.Can I get money from his ... |
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 What happens if you cancel your homeowners insurance if you have your home paid off? |
Are there places where the towns require you to maintain insurance? Of course, if you had a catastrophe, you would have to fund it with your own money.....
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I have had ... |
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 Can I cover my fiancee under an employer dental plan? |
| I don't want to ask HR if this is a no-brainer and embarass myself, but I've been living with my gf for 2 years now, and we're engaged (waiting to be in a better financial spot so we ... |
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 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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 Can my family still be covered by my health insurance? |
i am in ny and i pay for family coverage for my x-wife and daughter,as long as i pay the premiums is this coverage still good.they are in florida
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i have a 1000.00 ... |
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 How can you tell how much your homeowner's ins. will go up if you make a claim? |
| I have a great deal of water damage under my house due to unknown plumbing leak. I am not able to cover the costs myself and was advised to turn it in on my ins. Will the adjuster be able to tell ... |
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 I am pregnant and my insurance got terminated...? |
| I am 40 weeks pregnant and should be having my baby any day now. I am 21 and had insurance under my parents because I was full time college student. I have taken the semester off to prepare and give ... |
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 Can you explain how an insuarance company works? |
I have an interview, it is in the HR department so I am not supposed to know finance but I guess it would be an advantage...
I am not completely stranger to the field,having worked in ... |
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 Health insurance vs life insurance? |
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thanks a lot 4 ya responses i m sure this will help me out for sure i m doin a project which is based on health insurance case study icici pru diabetes ... |
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| Can you believe that a combination of LIC policies can yield up to 12% returns p.a.?? |
| Yes. It is possible. A combination of plans named as "J.S.Plus" by me can yield upto 12% p.a. It will provide for a high risk cover. The term can be as flexible as you want. The premium ... |
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Anonymous | What factors help you pick one life insurance company over another, that offer similar quotes on term life.? |
I have 2 life insurance companies that are offering me very similar quotes (annual premium) on term life insurance. What factors do I need to keep in mind, when deciding which one of them to go with. |
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mbrcatz
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Financial strength rating! Check it out at www.ambest.com. You don't want to buy insurance from a carrier rated lower than A-. |
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werzrosn
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try this
http://www.anrdoezrs.net/ok79ft1zt0GJHMQQJOGIMIQPMN |
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Ron@InsureMe
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Many factors go into the price of life insurance – your current health and medical history, family history, your activities and driving record, to name a few. Many Web sites quote the LOWEST rate in the market, which often leads consumers to submit applications to substandard carriers, only to find the actual rate offered by the carrier after all factors are examined is much higher than initially quoted.
It is crucial to check the financial ratings of the carrier. You can gather information from insurance rating firms such as A.M. Best, Standard & Poor's, or Duff & Phelps. Ratings are the financial barometer of how the carrier is performing. Premium price should not be the only deciding factor when choosing insurance. It is also important to discuss your insurance needs with an insurance professional or financial advisor.
I would recommend speaking to a qualified insurance agent before securing a insurance policy. To check out the various life insurance types and options click on http://www.insureme.com/landing.aspx?Refby=614500&Type=life. It’s a web site that will give you the information required to make a decision on which policy is right for you. It also gives you the option to call local agents to get any of your questions answered. Policies start at as little as $3 per month for $150,000 in coverage.
Take care,
Ron @ InsureMe |
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rahul
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The biggest factor would be the credibility and reputaion of the insurer..The other would be preimum you are going to be charged..
http://www.healthinsuranceace.com |
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humanresourcesman
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Rating. A marginal company may go bankrupt. |
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floozy_niki
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The most important thing is features.
Does it pay you in lump sum?
Does it cover Terminal Illness and Disability and Death or Critical Illness and Disability and Death or just Death?
Is it guaranteed renewable?
Does it allow you to purchase a future insurance without evidence of good health?
It the company efficient in processing claims?
What is the overall reputation of the insurance company? |
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Byron Udell
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There are a number of ways in which to evaluate the financial strength, performance, and integrity of a life insurance company.
I suggest looking at company's that have a rating of A, A+, or A++ by http://www.ambest.com/, the country's most recognized insurance company rating organization.
Other third party services, which measure insurance companies' financial strength, claims paying ability, and other financial categories include:
- Standard & Poor's http://www.standardandpoors.com/
- Moody's http://www.moodys.com/cust/default.asp
- Fitch http://www.fitch.com/index.aspx
- Weiss http://www.weissratings.com/
All of the above services assign "letter grades" to the various insurance companies.
NOTE: These letter grade ratings are not warranties of an insurer's current or future ability to meet its contractual obligation, but rather opinions based on the available facts about each life insurance company.
For more information, check out http://www.accuquote.com/faq_answer.cfm?number=7 |
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www.precisionwealth.com
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Insurance Company: Ratings, Guarantee Period, Convertibility, Return of Premium, Riders, and cost of coverage after the guarantee period is up in case you still need coverage in the future.
Insurance Agent: How long in business, Professionalism, Service Record, Department of Insurance background (any complaints), and whether he or she is independent or a proprietary agent.
These would be my general rules for making a decision.
Good luck. :) |
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Kelly T
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Agree with A rating. Customer service would be the next thing I would consider, all things being equal. Which agent seemed more professional? |
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