 I had a back injury at work in 2006. insurance wants to settle. lawyer thinks i should settle. should I? |
i still have minimal pain. can't drive,walk or stand for length of time. they are offering 30. i'm uncertain.
Additional Details
i had used this lawyer before for a neck injury.... |
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 Can speech pathologists who have private practices reject you if you don't have private insurance, but cash? |
| I was laid off of my job and my inusurance has ended. In the meanwhile, I need to see a Speech and Language Pathologist. I called a private practice near my home, and she asked me if I had private ... |
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 I was injured in a store what do i do? |
i was getting an item when another one fell and injured me i am off work without pay for wks i filed a claim with the store they tell me they are not responible for anything.
Additional D... |
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 I am a 58 yrs. old male with no Ged and a wife and daughter to support i need a job can you help me find one? |
| I work for the city of lancaster for over 9 years and they fired me with for Know good at all. I had to appeal to receive my unemployment insurance and I had to use my retirement to pay mortgage and ... |
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 E&O insurance? |
Any suggestions on where or from what company I can buy affordable E&O insurance? I'm in GA with a soon-to-be life and health license.
Additional Details
Nat'l Asso of P... |
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 Do I need life insurance? |
I have life insurance through my company, but it's not a lot and I wonder if I should get enough to cover my debt.
I own a condo (with my bank) and car (with my bank) and have student ... |
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 What are some reasons why insurance co. settles a lawsuit? |
| What are some reasons why an insurance co. settles a lawsuit(premises liability). Could one reason be that the plaintiff and lawyer have a solid case? And they see client was wrong?... |
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 Is my 18-year-old highschool dropout still covered on my health insurance? |
| My son turned 18 in March, and I just signed him out of public school (he was nowhere close to getting his diploma; whole different story). He will be getting his GED and attending community college ... |
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 Is it important to take photos of insurable items? |
| I recently took photos of some of the stuff in the apartment that I want to insure. I'm also trying to estimate how much we should be insuring our apartment for. I took pictures of rare books, ... |
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| Can i get a temporary health insurance for 2 yrs until i graduate and start my job.Also which health insurance |
has good benefits and is affordable.I need help choosing one
Additional Details
The insurance that my college provide does not come with good ... |
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 Is there anything I can do about making payments on a car that was totaled and NOT covered by Insurance ? |
| My car was totaled by an excluded driver, Ins. Co. won't pay. We are still liable for our monthly car payment, does anyone know anything we can do? Don't want to get bad credit rating, and ... |
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 Is it a good idea to borrow money on a life insurance policy? |
| I need $1000.00 for home repairs and to pay some bills. I am thinking about borrowing on a life insurance policy. The interest is 8%. How much will I be paying back if I repay it within 12 months. Is ... |
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 I have a small cleaning service, how much per year should I expect to pay for minimal liability insurance? |
Also, how much approximately to be bonded? I just want to get a roundabout idea?
Also, is it necessary in all cases to carry business liability insurance for small businesses.... |
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 Why could be LabCorp be denying our insurance? |
| So back in March I found out that I was pregnant. My husband and I didn't have insurance then and was paying $500 out of pocket every monthly doctor's visit until we finally got insurance ... |
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 Tiitanic was deliberately sunk?? |
Hey guys,
I was shocked when I saw a particular post in an Insurance discussion board,
http://www.ampminsure.or
What do you guys say?... |
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charlotte q | What is a 2 year contestibility period in life insurance? |
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Insurance Made Easy.biz
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Thebigm, is completely wrong.
The Contestability Period is the time period during which the insurer is not obligated to pay a claim (usually two years), because of material misrepresentations found in the application. A policy becomes "incontestable" when the contestability period is over
Basically if you die from a condition you willingly failed to disclose on the application within 2 years of the policy date the claim will be denied and the premiums will be refunded. If you die anytime after 2 years the policy will pay even if you lied on the application.
If die from a heart attack one month after you buy the policy and there was no know evidence of a heart problem the policy will pay. |
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T G
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Two years that the insurer can look back to make sure there were no "wrong-doings" on the application.
For example: Bob takes out life insurance, as a result of a material misrepresentation(he lies on the application)....the insurance company only has two years to "take-back" this promise to pay in the even of Bob's death.
People always look at this from the suicide perspective. If an insured commits suicide within the first two years of a life insurance policy, more than likely the insurance company will utilize their right to "contest" the policy. In the event of a contest, premiums will be refunded to the beneficiary or possibly the the insured's estate. |
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Bob
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Broker are right again and this protect the insurance company for any on purpose fraud or occultist reason. |
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Insure Man
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Yep, what others have written is correct. Basically, after two years your insurance policy is obligated to payout if you misled them on the application.
Learn more about life insurance here:
http://www.ohioinsureplan.com/index.php/insurance/life-insurance/ |
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mbrcatz
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If you die within two years of the policy being issued, they can go back and verify the information you put on your application.
If you lied or forgot something (like, oops, I forgot I have cancer or oops I forgot I smoke) then they don't pay out. |
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thebigm57
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The insurance company basically delays payment for 2 years without any good reason. In other words they take their time in making a determination about weather to pay or not regardless of the COD (Cause of Death) being natural causes. Don't let them talk you into that...they only need 90 days to figure out whether there was fowl play or not. PEACE! |
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