 Pregnant but insurance doesn't kick in until October 1st? |
| I just found out the other day that I am 5 weeks pregnant. So I haven't been to the doctor yet, I've just had a positive pregnancy test. I got a new job which has Blue Cross Blue Shield ... |
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 Hello everybody........i am sooo soo so upset right now. i have been getting ripped off by my car insurance co |
| they have been charging me double my monthly rate. i have proof of my payments as well as what there billing statements state and contradict, on my monthly bills . who do i complain to? what are my ... |
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 How do you get started selling insurance? |
| Trying to find out what it takes to get a temp. insurance license.... |
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 What would be cheaper on insurance for a 16 year old boy a 1973 opel 4 cylinder coup or a 1995 chevy blazer? |
| well im 16 i get my license in a month and i have 3 cars to pick from but i want to get the cheapest on insurance and gas do i definitaly didnt want the 5.8 liter lincolon so it was between a 1973 ... |
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 Can I sue my auto insurance company? |
| i Switch insurance companies back in Feb. of this year. The new insurance company never filed the paperwork with the DVM. As a result my car was impounded because it said that i wasn't insured. H... |
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 Does anyone know of a health insurance provider that will reimburse past ER visits if it's with-in 6monts? |
| I have had no health insurance for the last 1yr since being downsized by my prior employer. My old beneifits expired and I didn't continue due to the higher cost without the help of my previous ... |
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 If i pay cash for a home do i have to carry insurance on it? |
| also if i wait to move into it would there be any other costs besides taxes? ... |
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 I need content insurance for the stuff in my rented room. It is worth less than £15k.? |
| The lower limit for insurance is £15k. My stuff is worth far less than that, but would still be very expensive to replace. How and who with should I insure my personal ... |
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 I'm 24 and married. Do I need Term AND Perm life insurance? |
| My financial advisor advised me to sign up for a $400+/yr term plan (20 yrs I believe) and a $1100+/yr perm (whole life) policy for $300,000. (I don't recall which one this figure is for). I ... |
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 Do i need a thorough medical check to get health insurance? |
| what kinds of body check will I get for purchasing insurance? im only 22. do i need to get X-rayed? CAT scan? urine test? ... |
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 Homeowners insurance and trampolines? |
| Is it true that my homeowners insurance can drop me for having a trampoline with enclosure in my fenced back yard?... |
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 How easy is it to find car insurance payable monthly with early termination option ? |
i may need to sell car in 6 months and do not want to pay 12 month insurance.
will i need to pay interests or penalty fees when terminating after 6 months ?... |
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 Do i have to report my roommates income when applying for MEDICAID???? |
If not then do you think i'll qualify?
21 years old
last month got paid $1050 but the month before $55
no kids
live with a roomate
Additional Details
the form is ... |
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 Car accident? |
| My boyfriend was in a car accident that was not his fault and was injured to the point where he cannot work. What steps do we take now in order to recieve compensation for his loss of wages? We are ... |
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 Why is everyone's health insurance premium the same? |
| Obviously it would be very difficult to get the public to accept health insurance premiums using age or gender as a rating variable, but why not lifestyle choices such as smoking or obesity? It'... |
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silvino m | What is the best life insurance? |
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Mark S
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What do you want the insurance to do for you? Ask yourself if you want the debt taken care of and that includes the mortgage. If so, then how much does your spouse/significant other need to maintain a quality of life that they are now accustomed to? Do you want your children's education paid for? Are you healthy enough to qualify? This is the big question. If you are not able to qualify for one company, then chances are that you won't qualify for any other.
Then it comes to how much you can afford. Based on all the above, you are looking at an amount between five to ten times your annual wages. This can and should be tweaked up or down according to your comfort level. You should check with a local agent who specializes in level term insurance for terms from 10 to 35 years. A spouse and child rider is added to the main policy to keep costs down. A cost of living adjustment of 10% per year is added to first ten years, you do not have to pay for this but at end of tenth year you will have doubled the face value. The company that does this is Primerica and is the only company to offer 35 year level term insurance.
They will ask you the questions that you and only you can answer. |
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insuranceguytx
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The best life insurance is the policy that provides your heirs with the right amount of money they need after you are not in the picture.
That means you have enough insurance to pay off debts, provide for your loved ones and pay medical bills and your funeral. Term works well if you die during the term. Permanent insurance also works for the long term.
Remember that you can have both permanent and term insurance. I do.
Go talk to a licensed agent in your area. |
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Veritas
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Term life.
You should never get whole life because it's too expensive and a waste of money that could be invested aggressively through a good mutual fund and IRA. An insurance salesman will tell you whole life is a "good investment" but that is false. He makes a higher commission off selling whole life policies and you are paying extra high premiums to cover that and the small amount that is invested each month. You will not get a very good rate of return on a whole policy like you would through a good solid IRA.
Insurance is NOT an investment. It's just insurance. You should only buy what you is required to cover your needs should you die. Burial expenses, food and shelter for your family, debt payoff....whatever you want.
Zander Insurance has great rates... http://www.zander.com |
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Shobana D
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The company which gives best premium values |
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DFK
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ANY LIFE INSURANCE IS GOOD! However...make sure it fits your needs now and in the future. Talk to a professional in your neighborhood ...but before that talk to a friend who has life...they can lead you in the right direction. |
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Charles Bunch
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If you start out very young, select whole-life. As you get older and premiums rise, a lot of coverage can be had for a little money with a term-life policy.
You may also be the type that likes the stock market and can select a variable product which is a term policy with "investment options" usually tied to mutual funds. |
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David M
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The best life insurance is the one that's right for your situation. It's impossible to make a recommendation without knowing about your needs. Your best bet is to sit down with an agent and do a needs analysis.
Having said that, there are two basic kinds of life insurance: term and whole life. Term insurance lasts for a specific number of years (usually 5, 10, 15, 20 or 30), and coverage ends when the term ends. Term does not accumulate cash value, and you gain no ownership in the policy. It's like "renting" an insurance policy.
Whole life (or universal life) lasts for the rest of your life or until the policy matures at some future date. Whole life builds cash value over time, which you can withdraw or take a loan against. Whole life policies generally cost more, but you are gaining equity (ownership) in the policy.
In either case, your premiums are determined by your age and gender, whether or not you smoke or engage in risky activities (scuba or sky diving, for example), and your health status. |
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chicana06815
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It really depends what you want to get out of it. I work in the insurance industry and in order to say what is the best one for you, we would have to take in consideration age, health of course, how much can you afford, do you want to supplement your retirement with it, etc. So it really just depends! |
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