 Can I get Medicaid just because I'm pregnant? |
| I just found out I'm pregnant. I have health insurance though my job, but it won't pay for everything. My husband and I tried to save money while he was in Iraq so we could one day ... |
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 Bank of america? |
| i recently got my car stolen with my bank account numbers and my id in there... is there anyway that the sadistic thief who robbed me to somehow get into my bANK account and take the money?? and no ... |
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 Should I report a preexisting condition to my health insurance company? |
| I was under my father's military health care until the age of 23. Knowing this, I sought out and purchased individual health insurance through a writing agent that filled out the necessary ... |
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 What's the best place to purchase both auto and home insurance from? |
| I'm buying a new home and changing my auto insurance carrier, what insurance company can offer me the best deal when it comes to providing both home and auto insurance in a combo package?... |
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 Should Insurance cover water heater damaged due to failed pressure reulator? |
The pressure regulator on my home's incoming water line failed, leading to community's incoming 160PSI pressure (rather than the regulators 60-70) bursting my hot water heater.
My ... |
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 Family travel insurance? |
Im going to Egypt in june with my husband and two sons,We need to get travel insurance but when i get quotes on line the prices vary from 15 pounds to 100 or more.
Any one recommend where i can ... |
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 Is anyone else experiencing this homeowner's insurance problem? |
| Our homeowners insurance doubled this year. The cost is really impacting our ability to pay the premium. Every company we have talked to insist that we insure to replacement cost which of course ... |
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 Allience what does it mean ? |
| allience what does it mean exactly ? is that means cooperation as well ?... |
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 Flood insurance? |
| I called GEICO, they told me that flood insurance is only available through FEMA ($180/yr - everybody pays the same). A "flood event" is defined as water that covers two acres; water that ... |
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 If you pay cash for a car does the dealership still have to offer gap insurance? |
| I bought a van and paid with a check from another finacing company the deajership did not offer us gap insurance and they are saying that they did not have too because we basicaly paid cash which we ... |
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 Can i use my car that i own to lease out to a company to make money? |
Additional Details
I have a car that I own and i dont need it because i own 2 other ones. Can i lease out my car to a company or have a company use my car and pay me for them using it ... |
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 Term Insurance...help!? |
| Hey so I'm recently married and want to buy some level term insurance but am not sure which is a good company to buy from. Anyone have any suggestions as to where to buy this stuff and how much ... |
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 Medicaid Question...? |
Okay I need someone who REALLY knows that they're talking about. Seriously.
Okay I am 3 months pregnant and going to apply for medicaid this wednesday (December 10th)...I am ... |
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 Will homeowners insurance cover needed decking once roofing underway? |
| I am in the process of having roof replaced after hail damage. My insurance company (Travelers) adjustor had given me the verbal go ahead to do roof based on the estimate that we received. We have ... |
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 Anyone ever heard of insurance paying your hospital MORE than what was billed? |
Our insurance company paid $500.00 dollars more than the actual bill plus they want us to pay a 20% copay! Anyone been through this before!!!!!!
Additional Details
I need to add to this ... |
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 How important is insurance to you? |
| Insurance companies sell them in many different forms. Life , Critical illness, Pet etc... We never used to have so much insurance in good old days but nowawadays we seem to have an insurance ... |
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 My husband lost his job and we have been out of medical insurance for 8 months now. My son is sick and in the |
| E.R. right now with health complications and we are running lots of medical bills. Do you know if it is possible, since it has been under a year without insurance, if we can file for Cobra coverage ... |
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 Would I win if I sued this insurance company? |
| About 3 months ago I filled out a life insurance application, took the physical etc. The policy was for My wife, my child and I. My wife and I are both 21 years old with no medical problems etc. The ... |
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Von' | What is the best life insurance for a young person 22-35? |
I want to be able to use it against my mortgage. Is it possible to get money from it and not have to pay it back after a while or something? And will that change my policy in anyway? |
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Michael M
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I recently posted an article on my blog attempting to answer the question of age and life insurance.
http://gardenstatelifeinsurance.blogspot.com/2008/07/im-53-what-type-of-life-insurance-do-i.html
I hope it helps to answer your question. |
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Parrish D
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yeah but it takes time, maybe more than you're willing to wait
-it will deplete your policy over time
--it will reduce your policy right away
if you get a permanent policy with a cash value that can grow similar to an investment you would be able to use that later.
it takes a long time for it to become substantial enough to use. then once it does youmay not want to deplete your policy for 2 reasons:
1-by the time the cash value is an amount worth spending, you will be a lot older and insurance protection would be much more expensive for you to get new or again
2-the compounding effect. Once you've accumulated a good amount of money, you would be cutting your legs out from under your investment to deplete it prematurely. for example, you earn 5%/year. in year 2 you have $250. earning 5% ($12.50) but in year 20 you have $22,000 earning 5% ($1100.00) imagine what 5% would be paying when you're ready to retire.
plus you would get preferential tax treatment on the money you used form a policy (as opposed to most retirement accounts that would be 100% taxable at retirement) |
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Asset Management
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Are you trying to establish a life insurance policy that you can pull money out of for a down payment on your mortgage?
Forgive me if I am wrong, just what the question appears to mean.
Buy Term and Invest the Difference. You can take money out of your investment at anytime and it would not be connected with your life insurance and the interest is better than a savings account. Some types grow really really fast.
I can also help you with your specific mortgage question. |
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Insurance Pickle.com
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Feel free to use the tool on my site...no secrets and you don't have to e-mail me....nor do you have to put in any personal information other than a date of birth.
http://insurancepickle.com/life-insurance
Also, if you're wondering if you can borrow against the face value the answer is you can't. If later is 15 years down the road you might have what you spent in the policy. A very popular policy is a return of premium term policy (if you're GOOD at math and realize a 6-7% tax free rate of return is good -- and that's a stab at someone who uses outlandish returns and doesn't like these policies). Anyway you'd pay a set (albeit low) premium for 20 or 30 years and then you get all your money back if you didn't die. You also get a portion back if you cancel over the time frame, you can also borrow on that portion AND finally in lieu of getting your money back you can take a paid up policy (one that you no longer pay for) that'll be about 2-3 times the cash value. So, if you were getting $40,000 after 30 years you may be able to opt for a $100,000 policy that you could keep forever (or later cancel for it's cash value) |
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Sonya
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Here is information on life insurance. If you click on the link inside the article, you can get estimates on home, health, medical, motorcycle and other insurance. My husband and I got really good rates. We added our zip code into the the link and they gave us quotes from people in our area.
http://insuranceinformation2248.blogspot.com/ |
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rcjr65
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the best life insurancy policy is one that I knowabout but whenever I share it I get reported for soliciting. Its tax free, no ceiling and a 1% floor. The best thing about is you dont have to die to receive it.e-mail me for details |
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