 My LIC policy jeevansree and one of the agent i paid amount 30.000/-but he jumped what i have to do? |
| i had complated to lic manger he is telling that u have to pay why u had given cash to him we are not responcable for that hee is tell for that wt i have to ... |
|
 What's the lowest cost medical plan I can get? |
| I'm talking very high deductible, really just there in case of an emergency. I'm 30 years old, single, in good health. What would be a monthly payment on that type of plan and who offers ... |
|
 Does anybody else have the type of life insurance that pays you back if you don't die? |
| Both my husband and I pay monthly premiums for a "term" life insurance plan that expires in 20 years. We pay a little bit higher premium I believe but then at the end of the term, if we ... |
|
 Who has authority over insurance companies? |
| does the federal government have authority over the insurance companies?... |
|
 Go to a doctor consultation before my insurance kicks in or will they not cover if I do? |
| I have a preexisting problem from having my daughter. I lost my health insurance in August. We are going on a family plan through my husband's work. My old doctor referred me to a specialist. ... |
|
 I would like to get two guaranteed life insurance policies on my dad. Can I do this? |
| My fathers doctor told him five years ago if he did not quit smoking, he would be dead within three years. Well, my dad is alive and kicking, He has COPD really bad and I don't think he will ... |
|
 Question on life insurance in US? |
hi
is it possible for NON US citizens,to take life insurance in US...
how does it work,in case if the insurer passes away here in US and if the beneficiary is another country...
and ... |
|
 How does Life Insurance work? |
| I don't live with my parents anymore. I don't know if I even have life insurance or how to get it.... |
|
 $700 billion bailout plan? |
| Can you explain what this actually means in simple easy to understand terms?... |
|
 Do I need medicare supplemental insurance? |
| 65...have Humana prescription coverage...do I need ... |
|
 How would i find out if my mom(single parent) had Life insurance? |
| I lived with my uncle for 5 years after her death and he claimed she left no money behind or anything, which leaves me barely 18 and not much go off of right now...its not so much about the money but ... |
|
 My garage is leaning, after wind storm. Will insurance cover it? |
| I live in N.E. Ohio. We had a pretty bad wind storm up here with gusts in excess of 80mph which was the remnants of hurricane Ike. None the less, after the storm my garage is leaning pretty bad, ... |
|
 How reliable is Erie Insurance? How hard is it to file a claim and get the payment? |
| I was thinking of getting Erie insurance but it is so cheap it sounds to good to be true. I have heard that they have really good rates but when you get in a crash that it is near impossible to get ... |
|
|  |
sonu | Why life insurance and health insurance is neccessary in individuals life? |
Which is the best life insurance company according to you? |
 |
 
ethical_advisor
 |
For Life insurance, you need to cover 3 areas if applicable:
1) Critical -Death, Total & Permanent Disability, Critical illnesses
2)Disability Income
3)Medical (Hospital & Surgical)
Buying insurance is to buy a sum of money that one will recieve if anything unfortunate happens to one. It is to alleviate the finanicial loss.
To ask if it is neccessary, ask yourself if you or your dependant can afford a $XXXX amount if any happens to you:
Eg A [1) Critical ]: if one has suffer from critical illness, i) he needs to fork up medical & other fees not payable by medical insurance, ii)he still need to provide his depedents living expenses/lifestyle for next X no of years, iii)any other cost eg loans. If the total $$ he calculated from i), ii) & iii) is $300000 and he only has total of $80000 in ready assets and insurance, then he and his family might have finanical problem on top on emotional problem if critical illness happens to him.
Eg B [2) Disability Income], what if one is partially disable and he is not able to claim a single cent from his typical life insurance [1)Critical] Now his salary drop 50% because of his disability. Can he and his dependent able to afford the 50% drop?
Eg C [3) Medical] If one goes for hospital for whatever reason and the medical comes up to $30000, if you afford?
One might not need insurance if he has already a significant amount of asset eg, he has $1 million net and to buy $100000 insurance for protection is not practical.
Another eg. If one is near retirement age, buying disability income is also not practical.
Every life insurance company has its strength and weakness. This year A company might be good in A product, but next year B company might be better in A product after its product revision.
Do note that I am a practicing advisor and the advice is based on geninue effort and the disclamier is that I'll not be liable for any negative outcome as a directly or indirectly of the above.
However, do feedback if you have a arguable case with reasons. |
|
The Rabbi
|
The best life ins. co. is the least expensive.
The same is not true for health ins.
Insurance is transference of risk. Half of all bankruptcies are medical related.
Insurance is the foundation for any financial plan. Without it, everything you have worked for can all be lost because of an illness or early demise. |
|
stannas
|
The best insurance for an individual is not necessary best for another.Each one has its own individual needs.So the best one to find that suit you is contact several insurance companies-look what they can best offer you- and assessed them yourself if its suits you. |
|
| |
|
| | |
| Questions List |
Answers | Last Post
| | | |
5 | 26 minutes(s) ago
| | | |
5 | 3 hour(s) ago
| | | |
5 | 4 hour(s) ago
| | | |
5 | 8 hour(s) ago
| | | |
5 | 2 day(s) ago
| | | |
5 | 5 day(s) ago
| | | |
5 | 1 week(s) ago
| | | |
5 | 1 month(s) ago
| | | |
5 | 5 month(s) ago
| | | |
5 | 8 month(s) ago
| |
|
Homepage 
Financial
Forum 
Insurance 
No Spam
Adult 
Gambling
Unfinished
Deception
Plagiarism
Not English
