Posts Tagged ‘Insurance’
Thursday, December 11th, 2008
I had a meeting with and finace agent about geting my retiriment ready and he tried to sell me whole insurance with retirirment I have term insurance right now -
Debra
Tags: Insurance, Insurance Plan, Retirement Plan, Term Life Insurance, Whole Term Life Insurance
Posted in Personal Finance | 9 Comments »
Sunday, December 7th, 2008
I’m not sure if this is the right catagory, but I need some answers before I change insurance companies, so any help here is greatly appreciated. -
Suzette
Tags: Catagory, Insurance, Insurance Companies, Term Insurance, Whole Life
Posted in Insurance | 5 Comments »
Saturday, December 6th, 2008
I am planning to go for Term insurance. Usually what is the premuim? (I know it will vary across different insurance companies, but I guess there wil only be a small varition across)
Say I need a cover of 25 lakhs for 25 years -Margorie
Tags: Insurance, Lakhs, Premuim, Term Insurance, Term Life Insurance
Posted in Insurance | 2 Comments »
Wednesday, December 3rd, 2008
I’m just curious, we have a nurse who is coming to draw blood. I’ve been told its for pre-exhisting conditions but what does that mean exactley? -
Kala
Tags: Blood Test, Exactley, Insurance, Nurse, Term Life Insurance
Posted in Insurance | 6 Comments »
Monday, December 1st, 2008
When we got our policies I was 24 and my wife was 29. We got our renewal notice for the next 10 years and they are now over twice as much. Is that common or just our insurance figuring they already have us so they will charge more? -
Lupe
Tags: 10 Years, Insurance, Insurance Premiums, Term Insurance, Term Life Insurance
Posted in Insurance | 5 Comments »
Saturday, November 29th, 2008
The kind that you can take money out when you are older and is like a retirement fund? What kind are the best? -
Peter
Tags: Insurance, Money, Retirement Fund, Term Insurance, Term Life Insurance
Posted in Insurance | 9 Comments »
Friday, November 28th, 2008
My insurance company is offering a term conversion credit if I switch to permanent insurance. What’s in it for them, and what is permanent insurance? Whole life? Any benefits for me to change? -
Leta
Tags: Conversion, Insurance, Insurance Company, Insurance Policies, Term Life Insurance
Posted in Insurance | 8 Comments »
Monday, November 24th, 2008
And what company has the best price available?
In the USA… -
Regina
Tags: Insurance, Insurance Company, Term Insurance, Term Life Insurance, Term Life Insurance Policy
Posted in Insurance | 9 Comments »
Saturday, November 22nd, 2008
example…my term ploicy is worth 30000.
when i die, will the whole 30000 be given to me?
term type – renewable and convertible
also, which company has the best term plans? -Nilsa
Tags: Insurance, Life Insurance Plan, Term Insurance, Term Life Insurance
Posted in Insurance | 5 Comments »
Friday, November 21st, 2008
I have seen around the internet that the maximum term life insurance policy allowed for a person in their 20s is usually 20 times their income. However, I was wondering if there are any policies that take into account the combined household income. If a husband and wife both make $40,000 a year, are they entitled to a policy that is based on $80,000 of combined income, or are all policies handled on an individual basis? -
Rocio
Tags: Insurance, Married Couple, Term Insurance, Term Life Insurance, Term Life Insurance Policy
Posted in Insurance | 9 Comments »
Friday, November 21st, 2008
I’m married with two children and have one more on the way (very early on in the pregnancy). I’m 29yo, but my father passed away of a heart attack when he was 39. I’m having trouble going the easy route… ie, online, and need some advice on how to choose someone. -
Cathrine
Tags: Broker Company, Heart Attack, Insurance, Insurance Company, Pregnancy
Posted in Insurance | 5 Comments »
Thursday, November 20th, 2008
Will it happen right away or gradually throughout the year if so? I was ready to buy our policies a couple of weeks ago until I saw a large article published about the probability of this happening… -
Analisa
Tags: Insurance, Life Insurance Rates, Term Insurance, Term Life Insurance, Term Life Insurance Rates
Posted in Insurance | 5 Comments »
Tuesday, November 18th, 2008
I am a 51 year old female. My policy date of issue was 6/16/96. Years payable: 15. Benefits: $250,000. Annual premium (billed quarterly at $80.16) is $302.50. I have already prearranged my cremation worldwide through Neptune Society. I have twins in their first year of college. -
Sherika
Tags: Insurance, Insurance Premium, Neptune Society, Term Life Insurance, Twins
Posted in Insurance | 4 Comments »
Sunday, November 16th, 2008
A. The insured is covered during his or her entire lifetime.
B. The insured pays the premium until his or her death.
C. The insured pays a premium for a specified number of years.
D. The insured can borrow or collect the cash value of the policy. -
Seth
Tags: Insurance, Lifetime, Term Insurance, Term Life Insurance
Posted in Homework Help | 4 Comments »
Friday, November 14th, 2008
I recently applied for univeral life insurance. Can I purchase term in the meantime..?
..In other words, can I purchase term life insurance while awaiting confirmation of my universal policy – with the same insurance company (I know I will be approved for universal because of my good health). Please, informed answers only. Thanks everyone. -Jong
Tags: Insurance, Insurance Policy, Purchasing, Term Insurance, Universal Policy
Posted in Insurance | 7 Comments »
Friday, October 31st, 2008
What is the cheapest term life insurance and what do you have to go thru in order to get it? Any help on that would be appreciated thanks; i am 33 years old; i am in ok health i tried to get life insurance before and was turned down; i have this pain in my groin that noone can figure out its not lethal; i take lortab for the pain and xanax for the stress; what would cause them to turn you down for insurance; thanks in advance -
Karey
Tags: Health Insurance, Insurance, Lortab, Term Insurance, Thanks In Advance
Posted in Insurance | 3 Comments »
Saturday, October 25th, 2008
I paid the premium after passing all the medical exams, etc… They never told me I was covered from when I applied for the policy, four months earlyer. Now they tell me I was covered from the date of application. I doubt they would have paid out before getting my payment. Am I being scammed? -
Byron
Tags: 4 Months, Four Months, Insurance, Insurance Premium, Term Life Insurance
Posted in Insurance | 8 Comments »
Wednesday, October 22nd, 2008
I live in Florida and was just wondering if I can purchase a term life insurance policy for my aunt in California? Will the term life insurance policy be in my name or her name, because I will be paying for the policy? -
Larry
Tags: Buy Insurance, Insurance, Insurance California, Life Insurance Policy, Term Insurance
Posted in Insurance | 4 Comments »
Sunday, October 19th, 2008
$1,000,000 policy
The company is owned by the policyholder. It’s not a group policy. -
Shayne
Tags: Beneficiary, Insurance, Policyholder, Term Insurance, Term Life Insurance
Posted in Insurance | 9 Comments »
Friday, October 17th, 2008
I am looking at these options:
http://www.zanderins.com/term/instantquote.aspx
Is there really a huge difference from top to bottom? Can I go with the more affordable option? -Luciana
Tags: Aspx, Insurance, Life Insurance Company, Term Insurance, Term Life Insurance
Posted in Insurance | 5 Comments »
Thursday, October 16th, 2008
Looking to get life insurance on myself. Need to replace 70K per year income in the event of my death. Need to support my wife and 4 year old son. What type of insurance would be best, and what type of investment advice could be given for my family to invest the money and live off the interest, leaving the principal untouched? -
Guillermina
Tags: Insurance, Invest Money, Investment Advice, Term Insurance, Term Life Insurance
Posted in Insurance | 6 Comments »
Monday, October 6th, 2008
My husband and I are 30 and looking at term life insurance.
He’s healthy as a horse with no illness in his family history and is the only source of income.
I on the other hand have Crohn’s disease. My dad died at 49 of pancreatic cancer. My mom had breast cancer at 38 and now at 55 has secondary bone cancer and diabetes
.
So I’m going to cost a fortune to insure.
Since he’s the only financial provider so his will be much higher than mine. Should I maybe make his 10yr and my smaller one 20?
Also what is a good company to go through? -Noel
Tags: Crohn Disease, Diabetes, Good Company, Insurance, Term Life Insurance
Posted in Insurance | 6 Comments »
Sunday, October 5th, 2008
If i got term life insurance and a year went by and lets say I was killed in a wreck or a fire or a car i was working on fell and crushed me would the insurance company still pay out since it hasn’t been 2 years since i got the insurance -
Alisia
Tags: Insurance, Insurance Company, Term Insurance, Term Life Insurance
Posted in Insurance | 5 Comments »
Monday, September 29th, 2008
I just read this blog and it is very useful with good links and quite informative. please share your comment here… Thanks
Lee -Ruthe
Tags: Blog, Insurance, Term Insurance, Term Life Insurance
Posted in Insurance | 10 Comments »
Sunday, September 21st, 2008
I am 26 years old and just had a baby and want to know which insurance is better whole or term.
How do I determine how much to get?
Who besides my daughter if anyone should be the beneficiary? Note: Her father and I aren’t married but I was considering leaving him a percentage so that he could have extra $ to provide for or daughter if neccessary – Is this a good idea? -Fe
Tags: Insurance, Insurance Life, Neccessary, Term Life Insurance, Whole Life Insurance
Posted in Insurance | 9 Comments »
Saturday, September 20th, 2008
Whats the difference between regular life insurance and term?How does term work? -
Tamala
Tags: Insurance, Insurance Work, Term Insurance, Term Life Insurance
Posted in Insurance | 5 Comments »
Friday, September 19th, 2008
Wanted to know if you could have multiple without it being a problem upon a claim. -
Dierdre
Tags: Insurance, Life Insurance Policies, Term Insurance, Term Life Insurance
Posted in Insurance | 6 Comments »
Thursday, September 11th, 2008
Which one is better to provide for your families needs if something happed to you? -
Adam
Tags: Insurance, Term Insurance, Term Life Insurance
Posted in Insurance | 10 Comments »
Monday, September 8th, 2008
We each bought a term life insurance policy about four years ago (they last 30 years) but are now thinking the amount we chose is not enough. Can we get additional term life insurance for higher amounts to “add on” to the first policy? -
Roscoe
Tags: Insurance, Life Insurance Policies, Life Insurance Policy, Term Life Insurance, Term Life Insurance Policy
Posted in Insurance | 7 Comments »
Monday, September 8th, 2008
I’m trying to find a company to purchase term life insurance. I want a good brand and not some scam. Thanks to anyone that replies. -
Petronila
Tags: Buy Insurance, Company Insurance, Insurance, Term Insurance, Term Life Insurance
Posted in Insurance | 11 Comments »
Saturday, August 30th, 2008
This is in place of one 30 yr term life policy for the entire amount. We have quotes that show a lower combined premium when we split the policies; by about $200 a year. Insurance is for 41 year old male, preferred plus category. -
Tomi
Tags: Insurance, Quotes, Term Insurance, Term Life Insurance, Term Life Policy
Posted in Insurance | 3 Comments »
Wednesday, August 20th, 2008
If a person brought a 400,00 term life insurance policy how much would the family get upon death. How exactly does this work. I know the insurance company just give the family 400,000 upon death, if that was the case everyone would have insurance. So, how exactly does this work? -
Herlinda
Tags: Insurance, Insurance Company, Term Insurance, Term Life Insurance, Term Life Insurance Policy
Posted in Insurance | 6 Comments »
Thursday, August 14th, 2008
I’m researching term policies to cover the shortfall for life insurance from my work. How long is reasonable to get a term policy for? Term to 60, 75 or 100 years? -
Darcy
Tags: 100 Years, Insurance, Insurance Work, Shortfall, Term Insurance
Posted in Insurance | 9 Comments »
Tuesday, August 12th, 2008
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? -
Monty
Tags: Insurance, Surrender Value, Term Insurance, Term Life Insurance
Posted in Insurance | 7 Comments »
Friday, August 8th, 2008
I am flying to India in a couple of months. What’s the cheapest way to get life insurance for that particular flight? -
Demetra
Tags: India, Insurance, Life Flight, Term Insurance, Term Life Insurance
Posted in Air Travel | 4 Comments »
Wednesday, August 6th, 2008
im in my early twenties and im looking for life insurance outside of my job. i want to know if you sign up for term life insurance and the term is up what happens with the money you’ve paid? or is it just better to sign up for whole life insurance? -
Flora
Tags: Insurance, Money, Term Insurance, Term Life Insurance, Whole Life Insurance
Posted in Insurance | 11 Comments »
Saturday, July 5th, 2008
The purpose of insurance is to prepare for and manage risk in a given event in the form of a premium paid by the person planning against the risk by the agent prepared to cover the risk of the event of it happening. The concept of paying a certain amount every month in anticipation of a future difficulty like illness, personal injury, accident or death has become an absolute necessity in today’s world. The insurer works out the risk involved in given situation and the probability of it happening and bases a premium to be paid by the insured on this which is usually paid on a monthly basis and can be arranged for just about anything including death.
Not all insurance is dead money as there are other types where an investment is made by the insurer with the insured’s premium and a payment, usually with profits is made at the end of the term with a percentage retained by the insurer. The insurance industry is huge and now caters for just about every eventuality leading to a rise in competition, specialist companies and to lower premiums generally.
There are times when you will not be allowed to carry something out unless you are insure, this is know as a mandatory insurance policy. There isn’t an area that can’t be insured but here are just a few available today; life insurance, automobile insurance, health insurance, home insurance, disability insurance, travel insurance, pet insurance and there are of course many more.
Insurance to cover unusual or dangerous activities or even unlikely events can also be arranged so you can in theory insure your pet against an asteroid hitting it; yes, the industry is that comprehensive. In short, insurance can be purchased to cover any kind of a risk.
Insurance agreements are generally called insurance policies and contain the main points of the agreement although a schedule of all points is normally attached. This is a legally binding agreement in which the insured agrees to pay a certain amount as a premium to the insurer and providing all the terms of the agreement have been met, the insurer in turn promises to cover any costs that may have to be incurred in the future for the particular person or object that has been covered by the policy.
When you approach an insurance company to purchase an insurance policy, the company provides you with a quote that contains all the aspects like premiums to be paid, the benefits and so on. Once the application has been returned with the premium installment by the insured, the insurance company will make a final check before it is agreed and a copy returned.
Should the insured event happen then the insurance company is contacted and arrangements made to pay out the amount insured although sometimes certain aspects may need to be verified first. Whilst it is easy to arrange insurance through a company directly, there are also insurance brokers available who can source different companies to get a lower premium or source one that is more specific to your needs.
The main factors to be considered while purchasing insurance policies are; does the policy cover all the risks and what are the limits, plus are there any hidden costs and will the company pay for the claims without any problem. Another, very fast method of arranging insurance nowadays is via the internet and there are a large number of comparison sites available to make the task simple.
Tags: Insurance
Posted in Insurance General | No Comments »
Sunday, June 1st, 2008
It is a strange fact that most pet owners do not bother obtaining pet insurance; strange when you consider how attached people become to their animals and treating them like family members. This is strange when you consider how important health insurance is to people; with this being the case, looking after our pets should be equally important.
It may at first sound like just another regular expense; pet owners soon learn how costly it is when they require treatment. No area is immune for price increases and vets fees are no exception; as a consequence pet insurance costs have also increased.
So if the ever-increasing cost of pet health cover does not convince you to act, what will? Accidents and serious illnesses occur from time to time; this can happen at any time and usually when you can least afford it!
There may come a time when you have to consider the cost of medical treatment; obviously this is something you would prefer to avoid especially if it is based on cost.
A few years back, my vet told me treatment for our dog would cost more than a thousand dollars; although he is a part of my family, I did wonder at the time (I feel ashamed now), if the cost was worth it. To make matters worse, there is always a chance you pet still won’t survive; animals do not always survive after a course of treatment or operation.
The average person does not always consider the costs involved with owning a pet; these additional costs can place a person in debt. You may have other pressing financial commitments to attend too so raising further capital can sometimes be a problem.
If you love your pet, it should have the best treatment you can afford; this is assured if you have a pet insurance policy because you will not to worry how much the treatment will cost. The choice is yours, large vet bills or a pet healthcare insurance policy; the average monthly premium will be less than forty dollars.
Various pet healthcare insurance options are available; perhaps to incorporate more than one pet on the same plan. Hopefully this article will make pet owners think again about their responsibility; do not leave it until it is too late!
Tags: Adoration, Animals, Beloved Pet, Cat Insurance, Dog Insurance, Family Member, Family Members, Health Insurance, Important Health, Insurance, Insurance Insurance, Mystery, Neglect, Peculiar Situation, People, Pet, Pet Care, Pet Insurance, Pet Medical Treatment, Pet Owners, Pets, Pockets, Strange Fact, Tens, Untold Millions
Posted in Pet Insurance | No Comments »