 If I lose my job and want the most basic health insurance...? |
| something that would just cover me for surgery with a high deductible, how much would it cost me per month, and what is the name of the plan and who offers it? I'm 30 years old with no health ... |
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 Have you heard of this insurance? |
| I was called by an agent today after filling out an online survey for health insurance quotes. She gave a quote for 119.95 a month which included 30-50 co-pays for doctors, a dental, vision, and ... |
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 Is there a way to find out if someone has taken a life insurance policy out on me. I believe my husband has ta |
Is there a way to find out if someone has taken a life insurance policy out on me. I believe my husband has taken a policy out on me without my knowledge.
Optional Information:
Santa C... |
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 Does anyone know how to obtain health insurance? |
| when you are a small bussiness owner i need it for myself and my two children and my spouse i am in the metro detroit area is there a website or number i can call too find out . we already have ... |
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 When getting insurance quotes, when it says like 850-1100 premium for 6 months, covers 6 months? Or year? |
Does that i would pay that premium twice a year since it says 6 months premium?
Additional Details
Insurance coverage for 6 months or insurance cover for one year?... |
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 Therapist accepts my insurance, does it mean i don't have to pay? |
| so i found a local therapist and it charges $120 an hour and no way i have that kind of money. It says she accepts the insurance plan of blueshield. Blueshield is the insurance that i have. Im under 1... |
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 What is considered a roof damage? |
| I had an appraisal show up from insurance to check on my roof for hail damage. He said that my roof does not have much hail damage and only some loose shingles. I had a conctractor checked on my ... |
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 They paid property damage but refuse to pay medical bill and lost wages? |
| Back in September i had an accident, in which I was not at fault, the other vehicle suffered no damage just a few scratches but the fender and the door in my vehicle was damaged.After going back and ... |
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 Does any one know of a medical insurance that will accept you even if you have a pryor medical condition? |
| My brother has a preexisting back problem and his insurance carrier refuses to pay for any doctors visits that involve his back. So he was wondering if there is an insurance company that would pay ... |
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 How much can I get for suing? |
I was hit by a car sitting on the curb by a 14 year old girl with no license > but her parent have insurance
Additional Details
I was sitting on the curb with my g/f when a car came ... |
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 Pregnant -- still on my mom's health insurance policy... will my baby be covered when he/she is born? |
| I am covered under my mother's health insurance until I am 23 years old. I live on my own and am pregnant. (live in Portland, Oregon) I have heard of a law in Oregon that requires a newborn to ... |
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 What are your feelings about the bailout? |
| Michael Moore made an interesting comment on Larry King Live tonight. He thinks that the Big 3 are going into panic mode and asking for more money because they saw Barack Obama coming and taxing ... |
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akasavaani | Where do i get a good life insurance policy with less premium ? |
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Doing the Right Thing
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Term insurance. You can get lots of coverage for lowest amount of premium. If you were really smart, you would also invest the difference using Dollar Cost Averaging (you invest the same amont every month, no matter what the price of the share is). As your investments grow larger than your coverage amount, you should think about lowering your coverage or getting rid of your life insurance completely because you are self-insured at that point.
Cash value insurance are expensive because you are paying for two things: One is for the insurance, and the other is the cash value. Now, if you look at all the other types of insurance, none of them has cash value in it. So, why should your life insurance have it? Did you know that if you wanted to use the cash value, you will have to borrow it and pay back with interest? If you were to die, your beneficiary will not get the cash value. In 1994, the US Senate has sued many life insurance companies for misleading or lying the public about what cash value really is.
Now many agents will try to sell you a cash value policy. Why? Premiums are big and so their commissions are big. With term, premiums are low, so agents don't want to sell it. |
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Carrie
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just depends on what kind of coverage you are looking for and what the insurance is needed for - personal, funeral expenses, company purposes, etc. your best bet is to contact an agent, and if they are any good, then they will help determine the right type of coverage you need. |
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Soldado
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Make sure you get "term" insted of any other kind of insurance. I will give you the most protection for your money.
There are other product that include insurance/savings/ investing etc. but you are better of investing the difference on your own. |
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SmartAleck
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if you are looking for the least expensive life insurance, then yes, term life is your best option. if you are indeed looking for "good" life insurance - check out some of the new "guaranteed lifetime premium, guaranteed death benefit" products. Several insurance companies now sell this type of product, usually called "lapse protection premium policies." These policies are permanent insurance (not term, which only lasts for a specified number of years or "term"), and the premiums you pay guarantee that the policy will remain in force until your death, and will never increase even if the cash value of your policy reaches zero. this way, your life insurance death benefit (payable to your beneficiaries, should you die) is never dependent on the current interest crediting rate for dividends. |
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thedoc64118
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Primerica, that's the company that killed most of the bad insurance companies. |
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tigertiggerii
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This really depends on what your needs are. If you are looking at being covered for a period of time, well Term insurance is your best bet. However, note that less than 1% of all term cases have a claim paid as people outlive the policies. Depending on your age and amount you are looking for, look into Return of Premium Term Life. Depending on the company, you can even take premium loans from the ROP. If you need more information, please email mattb@benefitsblvd.com or call Matt at 888-425-4466. |
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Matt E
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You should still look a permanent insurance because the cash value grows tax-deferred just like your IRA or 401K. The cash value could also be accessed at anytime without penalty. Buy term and invest the difference works good for some, but do you have the discipline to do that month to month? |
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