 Vision or dental insurance? |
| should I get vision or dental insurance? I can only choose 1 from my employer because it goes by a points system. i have glasses and contacts for my eyes and i also have a dentist that i go to ever ... |
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 Pregnant/Health Insurance question? |
| I recently just found out that I am pregnant (6 weeks!). I also just found out that my department, including myself, may be getting laid off due to a recent merger. I know about COBRA but it may not ... |
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 Im confused. Im signing up for supplemental life insurance through my employer and the provider is metlife. ? |
| They are offering that as well as voluntary AD&D. The AD&D says it pays benefits in the event of death due to accident or disabling injury. So are they saying that if my death is a result of ... |
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 Why play sick when you're about to be laid off? |
| I'm from Europe and can't understand why somebody in America would do this. I saw it in a TV series where a woman was expecting to be laid off and this prompted her to seek expensive ... |
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 If you were injured 5 years ago can you still sue someones homeowners insurance? |
Additional Details
The deal is that i hurt my lowerback lifting a cement bag on my brothers,father-in-laws property,and a bunch of my family members thought that it just wouldn't ... |
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 Insurance scam.?? |
| I believe that my insurance company is trying to rip me off by not paying up a reasonable amount to re-imberse me for a flooded kitchen.. They have offered a derisory amount and don't seem to ... |
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 HELP! Car Insurance!!? |
| I know theres no "cheap" car Insurance... but anyone know any Insurance that an 17 year old can aford.. ill be 18 in a week... but some people want up to 5,000 every SIX months! i have no ... |
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 How do I become an Insurance Agent? |
| I am only 18, I know young. And i will be graduating this year. I live about an hour from Chicago and would like to be hired by a company there. I am debating about going to college, but my ... |
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 Loans and insurance ? |
| Got a letter today about the bank not having proof of insurance on my car which I paid for with a loan. It is dated the 19th, today is the 27th, so I got it 8 days after the sent it. It says they�... |
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 Are you as astounded as I about the bailout of AIG? |
I know its an economic move that must be done, but it annoys me that taxpayer money is used to rescue a situation created by irresponsible deg regulation and greedy selfcentered crooks.
A... |
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 What does Term Life Insurance mean with no surrender value? |
| If I had a 15 year Term Life Insurance at $100,000. with no surrender value. What would it be at the end of 15 years. Can I collect the full amount on this type of insurance?... |
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 My insurance company paid for services at a certain level and say they paid too much, and want a refund.? |
They covered me at the same price for over 13 visits and now say I owe them.
Additional Details
They say it was their mistake. Why should i have to pay them back? If I knew it would cost ... |
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 Auto insurance says they are terminating me for late fees, but I paid them already? |
| I have mercury insurance. I always pay my bills early. I paid them on the 29th of February, bill due on the 3/1. I just got a terminated letter in mail saying that my auto insurance is ending on the 2... |
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 Disability Insurance? |
| I'm looking to purchase Disability Insurance and am having trouble trying to figure out the legal language. Are there any suggestions on what company to go with or are there major loopholes I ... |
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 Will home insurance cover a wet cell phone? |
| I have a cell phone that I just dropped into the pool. My cell phone insurance won't cover it, will home insurance cover it?... |
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 Which is the best life insurance policy in USA.? |
| I am student and I wish to take an insurance policy so that my parents could benefit from it incase of any bizzare circumstances happening to me. I am not a citizen of USA, I wish to stay for ... |
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 Health Insurance? |
I'm doing an assignment on health insurance and I wanted to know why is it a good thing to get health insurance?
T... |
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 Insurance settlements, and how much do I ask for??? help!!!? |
| It is manditory for me to see my chiropractor 3 times a week, for 12 weeks until my spine is better. He said he is considering my injury a spinal dislocation of some kind. I am now ready to negotiate ... |
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SouthJerseyGuy | What is the best web site off of which to buy life insurance? |
I don't want an agent. Just a website, to buy a term life insurance policy. The sites I visit demand I contact an agent. I'm not interested in paying for an agent's services. |
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Chris C
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Most agents do not charge clients anything, so I don't see what you are 'paying' for.
Purchasing insurance online is a poor decision unless you are an expert in knowing which companies are good, and what to look for in those companies. You will not get advice that is tailored to your situation. A website will give you information about an exception to the rules that you might fall into.
Regarding the prices online, almost every single quote online is based on there Preferred ratings, which for the most part and based on sub-human health standards (IE: people that have barely had a cold or flu in their lives). Every insurance company has different underwriting standards...some are stricter than others. You may think you are healthy, but in the eyes of an insurance company you may not be. A broker can access this so you aren't wasting your time on applications getting declined or rated.
IE: If you are a smoker, a website will strictly tell you which companies have hte cheapest rates. The website won't say anything about a company that has a stop smoking incentive where they will refund a portion of your premiums if you stop smoking. In this case it is better to pay an extra 50 cents to get the opportunity to get it back in the end and the non-smoker premiums are cheaper then the other companies non-smoker premiums. Same case goes for build restrictions (if you do not fit into the companies hieght/weight charts). A broker can access these types of situations you may qualify for. |
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src50
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Websites are your worst source. Agents are the best. See an independent agent for quotes. You don't have to pay the agent for that. |
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marilyn_katz
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You do not pay insurance agents unless it is a no-load policy, and that is very rare. Why do you think you pay insurance agents? They are paid commissions by the insurer when the policy is issued most of the time.
Secondly, I would compare quotes with an online form. I have found premium differences of $300 a year for the same term life insurance policy for the same individual.
The form below will allow you to compare quotes from major insurers in your area.....
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hope
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you dont pay the agent . the company pays him/her .
the agent will help you with all the paperwork, submissions and medical tests which if done on your own can be quite time consuming and mind boggling.
the agent will keep track of your renewal payments too and collect the payments from you and deposit the same for you.
if you need to make any changes in your policy documents after a few years [like change of address, change of nominee, etc] the agent will do it for you.
even at the time of claims the agent will do all the legwork for you and see that the claim is amicably settled. |
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Michael M
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Disclaimer: I work for Garden State Life Insurance Company. I'm not vouching for any of these, but I have worked with all of them either personally or professionally.
If you want to take a medical exam some examples are: insure.com, quickquote.com, zanderins.com.
If you want a shorter application and don't want to mess with a medical exam: insurance.hsbcusa.com, rbcexpressterm.com, gardenstatelife.com |
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Richie Rich
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I have yet to see a good online quote engine. You never pay for the agent or their services. The companies they represent pay for that. You will not receive a discount by going online, in many cases, you end up paying more.
It is also better to have an agent because they can usually make a few recommendations that may actually reduce your cost. But if you would rather talk to a machine than a human being, go ahead. They will screw you worse than most agents can. |
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Richoneday
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dont buy insurance online may be a scam talk to a agent in person newyork life isa great company and u can trust them the agents go through very intense background checks! |
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