 Questions about health insurance? |
| Hello guys, need some help here, we just found out that my girlfriend is pregnate! which is awesome! But heres the thing looking over her insurance she doesnt have short term disablility.. so, when ... |
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 Do i need bank locker/safe? |
i am going on hols for 2 weeks, i am renting a single room and i think it is risky to leave credit cards, documents, etc. I dont want to take those with me either.
should i rent a bank ... |
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 No Fault Insurance? |
| If U have No fault insurance and somebody hits your car..can U sue them? Or will you just have to suffer the loss?... |
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 Is a health savings account a good or bad? I'm confused? |
| My company is switching to a high deductable hsa. I will be getting individual coverage. I'm wondering what the pros and cons are for me. I know my company will be saving a lot of money. Right ... |
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 Does contents insurance cover laptops? |
| I have a second hand laptop that was broken inside the house. I wondered if my insurance would cover that and replace me with another one....... |
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 Could i get state farm to pay up for pain an suffering? |
| if i was in a car accident and i was not at fault an i got heart and the other car do not have car insurance , could i get the my mom car insurance to pay my acciedent bill and pain an suffering?... |
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 How can i get health insurance when my job doesn't provide it? |
| I love my job, but they don't provide health insurance. What kind of insurance is available for me?... |
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 What type of insurance would you buy from Hillary, Obama , or McCain? |
What type of insurance would you buy from any of the three main candidates in this Election?
To be fair, I will allow for Ron Paul or any third-party candidate.... |
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 My neighbour come up to tell me I was flu dding her? |
| So I checked to see if it was my new boiler and got the cumpony to check it and they said it was my taps so I got scottish gas to fix it as I had an a agreament with them and my neighbour wanted me ... |
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 My mother sold a house and carried the note and the house recently burned down, what happens now? |
| From the information I have the fire was due to the new owners installing a woodstove which caused a fire. They still owe my mother over $50,000. Does anyone know what will happen with the ... |
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 Social Security Question? |
| Can my mom get on Social Security Disability after she had her total knee replacement? So far she has been turned down by AARP, and other insurances. My mom has high blood pressure, and is a little ... |
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 Do you work full time? |
| do you get health care coverage if you work part time?... |
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 Would you let an insurance company handle a claim? |
I am doing and can see corruption I'm sure.
Additional Details
1st answer, you mention another extreme.... |
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 What liability insurance is needed for a club (choir) to take children on a trip (Jersey)? |
| we're nota company but a club and are now thinking what liability insurance we need. I've read details on the web but we're not a sports club or a company and i'm confused in what ... |
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 Where should i look for health insurance plans? |
| i work freelance as a designer from home and i'm currently covered by my husband's health insurance plan through his job. we would like to have him quit his job and help me so that we can ... |
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dsinngerdj | What is better term insurance or cash value insurance? |
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mrjo_ct
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Neither one is better than the other. Each product has their own characteristics and each personal has their own individual needs. NEVER listen to anyone who tells you to only buy either one or the other. Most people will carry a mix of both. The best thing a person can do is consult with a financial professional and have a needs analysis done. |
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Financial Answer Guy
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If by all of the Financial Gurus you mean the Primerica reps and that FRAUD Suze Orman, then you're right. Anyone who can say term is the only right answer is an idiot. |
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mlamey
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All the financial gurus say term. |
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wasdadd
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Did you just become a Primerica Rep, or what? |
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4kit
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It depends on your age. Younger you are whole life/cash value could be better. The premiums are lower and you receive cash value with interest. Also, you can borrow from it but you have to pay it back to realize the full value.
It can give better interest then a passbook bank account and if something happens to you the value of the policy is more then the original amount.
Term is even lower but the only benefit is when a certain event occurs life (face value only) or accident poicy. But, if sometime in the future you can't or don't continue paying on it you loss everything.
Those policies are good for older people because their reason for taking it out is to leave something to a family member. Both kind have a duration of paying into.
What ever type you decide on I would highly recommand you talk to a few before making a decision and don't let them over sell you. |
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insuranceguytx
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MrJo and kit gave good answers. Mlamey sees only black and white.
Bottom line is both are good when used for the right purpose. Talk to one or more financial professionals.
Term insurance CAN fulfill a person's insurance needs IF that person saves diligently AND those saving will cover every possible contingency in life - a very rare occurrence in my experience. |
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annie red
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term insurance probably, but you should check with a licensed insurance doctor because a lot can depend upon how much money you have, how safe you want it to be, how old you are and what you want to do with it. |
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