Input: Where To Buy Cheap Life Insurance?

Output: Life insurance is priced the same for everyone . You can not get a discount on life insurance , and the discount store mentality does not work well with life insurance . You need to work with a knowledgeable agent to get your cheapest price . Getting a low quote from someone who knows little about life insurance does not mean you will get that price . I feel that the best way to buy cheap life insurance is to use an agency who can take your health information and match you up with the company that has your best rates . Some , like mine , can be found online . But wherever you go , the place to buy cheap life insurance is where the agent is valuable .


Input: Where To Buy Cheap Life Insurance?

Output: Well sometimes there can be certain people that will need a term policy because of where they have focused their budget in the past , over all it does n't fit every persons goals but will be cheaper . I will use my story to answer the question when I purchased my policy I realized that it would take some focus on my part even working with a very knowledgeable agent I already knew just like most families we wait until about 45 -55 years of age to purchase what we should have purchased in our 20 's in the first place and then we start shopping to find out wow this is not cheap but it is now or never . So $ 300 a month was not cheap for me but I knew it 's now or never so I made a commitment to my family it 's now I want leave them with this burden it 's just a decision just like the one that caused you to make the decision to wait . now where did that come from procrastination and that can be inherited by your children so I would say change your focus change your life .


Input: Where To Buy Cheap Life Insurance?

Output: The cheapest life insurance policy is the one that you already own . The cheapest life insurance policy you can buy is one that is scheduled to expire the day after you die . The fact is that the cheapest life insurance policy is always the one that is in force on the day that you die . If that is your concern work with a good life insurance agent . The agent can match your needs with a policy that will fit into your budget . Remember that when you save money on the premium and the policy expires before you die ; it is your loved ones that pay the price .


Input: Where To Buy Cheap Life Insurance?

Output: Life insurance premiums can vary dramatically based on a number of factors , including age , sex , health , and residence . Prices , and underwriting practices , also vary dramatically by company . The best way to find `` cheap '' coverage is to speak to an agent that represents many different carriers , giving the agent the ability to shop your case to find you the absolute lowest rates possible . Unlike health insurance , life premiums can vary , often by 400 % or more , based on your health . You normally take a paramed exam to verify your health status , so be advised that the rate you are originally quoted may increase after the exam .


Input: What Is A Deductible On Health Insurance?

Output: A health insurance deductible is the amount you must pay before your benefits `` kick in '' and begin paying -LRB- for most services - some benefits , such as preventive care , provide coverageimmediately -RRB- . The deductible amount varies by plan . For example , under the new Affordable CareAct , a catastrophic plan may feature a $ 6,350 deductible , a bronze plan may feature a $ 5,000 deductible , a silver plan may feature a $ 3,000 deductible , a gold plan may feature a $ 2,000 deductible , and a platinum plan may feature a $ 0 deductible . These figures are not the same for all plans on each metal level .


Input: What Is A Deductible On Health Insurance?

Output: In general , any deductible in an insurance policy represents the amount that you are responsible for paying for a covered loss . In a health insurance policy , this is an up front amount that needs to be met before your coverage will begin paying according to the terms and conditions of your policy . Some health insurance policies also include a `` co-pay '' amount which is also an amount for which you are responsible once coverage begins . Ths amount is in addition to the deductible which you would have already met and is usually capped at a certain amount to limit your out of pocket expenses .


Input: Can I Sell My Life Insurance?

Output: We need to be clear here about if you really mean selling or surrendering your Life Insurance . Please look at my other answers regarding surrendering a policy which I recently addressed . Can you `` Sell '' your Life Insurance : Maybe ! We do work with a company that will give lump sums of money for life insurance policies which are no longer wanted or needed . Simply , you turn the ownership over to this company , they continue paying the premiums until death . Of course , you have to qualify before anything will happen . Seek me out if you would like to review the possibilities on your life insurance policy .


Input: Can I Sell My Life Insurance?

Output: There are `` life settlement '' companies who will buy some life insurance policies from those who no longer want or need their coverage . Most life insurance policies have no value to them , and therefore , are not `` sellable '' . The policies they are looking for are almost always permanent policies with cash value that is not in danger of running out due to increasing premiums . They also are looking for insured persons who have a short remaining life expectancy due to illness or old age . I have a questionnaire that can quickly determine if your policy is of interest to reputable life settlement companies , and will oversee the process , if interested .


Input: What Does A Health Insurance Statement Look Like?

Output: A health insurance statement will have many looks , since each insurer has a different way of billing and contacting their customers . If it is a bill for past services , it will show the amount that is owed , the date of treatment , a description of treatment and any Network discounts applied to the bill . And there will be other items on the statement as well .


Input: Who Are Annuities Best For?

Output: Tax deferred annuities are suitable for mid to long term savers or investors , those with high tax brackets or fixed interest rate seekers who desire more returns than traditional bank CDs . Interest rates are only on crediting method available with tax deferred annuities . Other crediting methods use indices in indexed annuities as well as separate sub accounts in variable annuities . To determine the crediting method most suitable for you , consider establishing a personal financial profile that includes a risk tolerance assessment before purchasing a tax deferred annuity .


Input: Can Roth IRA Be Used As Collateral?

Output: I have not heard of a ROTH IRA being used as Collateral however , I suppose you might be able to put together a `` collateral assignment '' which means upon death , the unpaid collateral will be taken out of the value the ROTH is as the time of death with the remaining balance going to your heirs . I would have to do more research to be sure this would hold up as a contract however . You might be better off getting a small life insurance policy to cover that debt if that is indeed what you are covering .


Input: How To Get Health Insurance Quickly?

Output: The quickest way to get health insurance is to find an independent agent that can show you quotes from the major insurance carriers and match a plan to your needs . Many people prefer to start by running a health insurance quote online and then ask questions after they have reviewed the information . You can go to our website to run a quote and in the `` other '' section you will be able to run a quote for the under age 65 market . If you are turning 65 or older you can run a medicare supplement quote from our home page . Either way , it will give you an instant snap shot of what plans are available to you . The key is to follow up with an agent to save you time trying to figure out which plan might work better for your specific family situation .


Input: How Long Does Universal Life Insurance Last?

Output: The length of time that a universal life policy is in force is determined by the payment pattern of the owner of the policy . If the policy is continuously underfunded , it will lapse at a relatively early age , sometimes in the early 50s . However , if guidelines and targets are followed a universal life plan can last up to the time of death .


Input: How Long Does Universal Life Insurance Last?

Output: Universal life insurance is a type of permanent insurance program - meaning it can last for the rest of your life . Most universal life policies -LRB- UL -RRB- will pay a death benefit up to age 121 so you can make sure the death benefit will be paid out at some point in the future . UL policies can be dialed down to a specified age -LRB- to age 90 , to age 100 , etc. -RRB- to reduce the premiums - please note , doing so affects the guarantees and assumptions inside the policy . There are several different types of universal life - Guaranteed UL , Current Assumption UL , Indexed UL , and Variable UL . If you 're just buying coverage for the purposes of the death benefit , you would likely want to look at a Guaranteed UL or Current Assumption UL as they will almost always maximize your dollar to death benefit ratio -LRB- meaning you 're getting the most bang for your buck in terms of death benefit -RRB- . With permanent insurance , there has to be money in the cash value to keep the policy going - if the cash value hits $ 0 , then the policy crashes and is no longer paying coverage . Guaranteed ULs are a great way to protect against this because they state that even if the cash value hits $ 0 , the policy will still pay a death benefit as long as you 're still paying your premium . When you 're looking to buy life insurance , you should talk to an independent insurance agent who can work with you on a personal level and help you determine what program structure will be most suitable for your needs and budget and which carrier will work with your medical history best to offer the coverage to you at the lowest possible cost -LRB- independent agents generally work with a multitude of insurance companies and can sell a wide range of carriers ' products -RRB- . I hope the information is helpful - please feel free to contact me for assistance with your life insurance coverage needs , including quotes , policy comparisons , shopping your case , and other tasks , and if you have any other questions . Thanks very much .


Input: How Lucrative Is Life Insurance Sales?

Output: Life insurance sales can be as lucrative as you make it . For myself , as a broker with 32 years of experience in the business , I was always a `` first in the office , last one to leave '' person . Typically , I have always been a good listener and make certain I know the products from the top insurers . Always explain details to customers and never ask them to buy a product . If they like your offer , they 'll let you know . Will this work for you ? Try it .


Input: How Lucrative Is Life Insurance Sales?

Output: It is as lucrative as your financial connections or your work ethic . Commission sales people are cut out of certain bred of personality , more so with life insurance sales . The vast majority of life insurance sales people make $ 50,000 a year ; the upper middle class agent makes $ 100,000 . And the few affluent make over $ 250,000 a year like Court or Top of the Table industry recipients .


Input: How Lucrative Is Life Insurance Sales?

Output: It all depends . Life Insurance sales is a business opportunity . First , you are compensated for writing policies that get issued . If you were to go out and write 10 policies today that all got issued you would get paid . Second you can get a varying contract with the Insurance carrier . That means that some will pay 70,80 90 % of the first years premium as a commission to you . Third , depending on your contract , you can get renewals . For business that stays on the books after 13 months , you can get a commission from that too . Fourth , if you get into management you can get commissions from what your sales teams write . It is one of the few professions remaining today where you dont need a college degree to earn a six figure income . You need to learn your products , market to people who want/need your product and sell them what they need . There are many good companies you can work for to receive the training and support to build a very good career out of this .


Input: How Lucrative Is Life Insurance Sales?

Output: I have heard it said that the top life insurance sales people make more money than the top sales people in other industries . This could be true , because large commissions can run it to the millions of dollars . The life insurance business is an ideal environment for making it big . We sell a product that pays well . We represent strong and well established manufactures of this product -LRB- policies -RRB- . We dont have to maintain an inventory . We can develop sales organizations that dont require much labor or overhead . The demand for our services remains constant throughout the ups and downs of the economy . Of course , we have to pay our dues big time . We have to constantly strive to master our field and enhance our professional skills . We have to market , market , market , and then market some more . And we have to invest in every client prior to getting paid . To provide superior service , we need to provide a quote for a rate about which we are confident they will be approved . That can take many hours of work . And remember that life insurance has the most sophisticated and complicated set of eligibility requirements of all financial products . But at the end of the day we know we do outstanding work , and so we earn outstanding pay .


Input: Is It Legal To Not Have Homeowners Insurance?

Output: Yes it is legal not to have homeowners insurance . If you have no lender to satisfy then it is in within your right to self insurance your property . If you feel you can handle any potential loss on your home by all means feel free . Keep in mind should you decide down the road to get insurance again and you have gone without referred to as a lapse or gap in coverage you will find potential challenges in obtaining coverage 's again as insurance carriers use this as part of their underwriting criteria .


Input: Can A 403B Be Rolled Into A 401K?

Output: As long as your company allows roll overs into their retirement plan , you can roll your 403b money into that 401k plan . One exception may be if you have previously comingled your 403b funds with another IRA . Your company 401k plan administrator should be able to answer your specific questions . You can also roll your 403b into a traditional IRA or Roth IRA . Here is a link to an IRS rollover chart which shows all the directions retirement money can move . WEBSITELINK


Input: Can Life Insurance Companies Cancel Your Policy If You Get Kidney Failure?

Output: One of the benefits of life insurance is that you do not have to keep qualifying for it over and over again . Once you have the policy , it is yours to keep , and as long as you keep paying premiums , no one can take it away from you for any reason .


Input: Can Life Insurance Companies Cancel Your Policy If You Get Kidney Failure?

Output: No ! The only way a carrier can cancel your policy is if you do n't pay your premiums -LRB- the coverage lapsing as a result -RRB- . If the condition developed after the policy was placed in force , the carrier can not cancel your policy . Please note , if you intentionally lied on the application for the coverage and it was a pre-existing condition prior to placing it in force and you 're still within the first 2 years of the policy -LRB- the contestability period -RRB- , the carrier could rescind the coverage if it 's discovered . Once the contestability period has expired , the carrier can not rescind a policy due to misinformation on an application . I hope the information is helpful - please feel free to contact me if you have any other questions . Thanks very much .


Input: Can Life Insurance Companies Cancel Your Policy If You Get Kidney Failure?

Output: That is a great question ! Two of the best reasons to buy Life Insurance at an early age is to first lock in a low price , and second insure against any health issues you might have as you grow older . No reputable company will drop you for developing health issues , and that should be clearly stated in your policy . If you 've made your payments on time , you should have nothing at all to worry about . The only legal way that a company could drop you is if there was reason to doubt the truthfulness of your answers on the application when it was submitted , and your policy is less than two years old . Other than that , you should have no problem keeping your policy . Thanks for asking !


Input: Can Life Insurance Companies Cancel Your Policy If You Get Kidney Failure?

Output: Most people experience deterioration in their health as they age . The discovery of any condition previously unknown to you , the insured , does not affect an existing life insurance policy in any way . This is true if the condition were to become noticed within days after the policy is issued . This is an important reason to secure life insurance while your health is good .


Input: How does a claim work when a driver hits a person in a parking lot walking?

Output: The injury , if any , caused by the driver of the car to the pedestrian would be covered under the Bodily Injury Liability portion of your auto policy . This is the portion that protects you for any neglegent action for which you are held legally responsible while you are drving your car .


Input: Can You Switch Homeowners Insurance At Any Time?

Output: Switching homeowner 's insurance is relatively easy to do and most times , you can change at a date that is suitable to you . The biggestconcernis whether the new company will accept your application . Assuming you have few or no claims , and meet their underwriting guidelines , you should be able to switch . Just as importantly is the issue of whether it is a good idea to change . As an independentbroker , that 's part of our job is todetermineif making a change makes good financial sense for you . If not , you should stay put .


Input: Does Farmers Insurance Have Renters Insurance?

Output: Farmers Insurance does have renters insurance . I would recommend you contact your local Farmers Insurance agent to discuss the renters insurance options available . You can find your local agent by going to WEBSITELINK . Your local agent will be able to find you the best options for your policy .


Input: Where Can I Get Individual Health Insurance?

Output: You can get individual health insurance through an independent health insurance agent . They will be able to run quotes for you from all the major carriers and help match a plan to meet your needs . You can also get individual health insurance on our website . If you are under 65 you can click on `` other '' to compare plans instantly . If you are 65 or over and have Medicare , you can run a Medicare supplement quote on our website also . You can also give us a call at 1-888-407-8664 .


Input: What Car Insurance Is Good For Young Drivers?

Output: There is not any absolute answer to this question . Rates for auto insurance coverage can vary greatly from carrier to carrier and from area to area . Contact local agents in your area to find out about coverage availablity and pricing within your area . Look for an agent that you are comfortable working with as they will be the first and last point of contact in most instances .


Input: Is Transcranial Magnetic Stimulation Covered By Medicare?

Output: Transcranial magnetic stimulation -LRB- TMS -RRB- initial consultation should be covered by Medicare . TMS is typically used to treat some forms of depression . TMS treatment may be covered by Medicare in some situations . Check with your medical provider for details . In some cases your provider will agree to file your claim with Medicare with the understanding the claim may be denied .


Input: Why Are Womens Car Insurance Cheaper?

Output: Insurance companies analyze the data on millions of automobile claims . In that process they identify significant differences in experience . If women are charged less in your state than men , you can be assured that insurance companies can detect a difference between the two and that they have convinced the insurance commissioner that this is in the best interest of the drivers in that state . California doesnt discriminate based upon sex .


Input: How Good Is Primerica Life Insurance?

Output: How good is Primerica Life ? Well , they are a decently rated company with premiums charged falling about mid-range on the pricing scale . That is you can find quite a few good companies whose pricing of term insurance is better and you can find other good companies whose pricing is worse . Primerica has a limited product selection and offers no conversion options for the insured if they want to maintain a level cost for coverage for a longer period of time . The biggest knock against Primerica is their field force . They attempt to have their company stand out by disparaging all other companies out there . Which if true , would mean a financial disaster for the country and possibly the world . There are many many very good companies out there and it 's good that there are .


Input: How Good Is Primerica Life Insurance?

Output: I represented Primerica for over 12 years and know from experience that it is a good company and will pay death claims in a timely manner . The only death claim that I have paid in my career was to the widow of my brother-in-law that past away unexpectedly at the age of 38 . I delivered a check for $ 338,000 to my sister-in-law and her kids since I had replaced a whole life policy with a face of $ 25,000 a year earlier . Like most other companies , Prinerica is a solid company and will be around forever . The reason I left the company and went with my present company , Capital Choice Financial Group , was that I could represent many companies giving me a competitive edge in the marketplace . Also , Capital Choice represented the same concept of Buy Term and Invest the difference and was founded by the brother-in-law of the founder of Primerica .


Input: How Good Is Primerica Life Insurance?

Output: I 'm not going to get into a discussion about an company 's representatives , but simply about the company itself . The question of ` Good '' as it applies to a life insurance company is a very subjective thing . Every company has strengths and weaknesses and , usually , a place in the market . Primerica is no different -LRB- no , I 'm not a Primerica representative -RRB- . The company itself is pretty financially stable and has an A + rating with A.M. Best . That means they have the financial assets to pay their claims . The best life insurance is the life insurance that 's in force when you need it , period . We can talk all day about specific programs , cost , performance , etc. but there is n't one answer . It 's different for every person and every situation . A good agent will take the time to get to know you and your situation and put together a program that does what you wand it to . There are a lot of good companies out there . I would consider Primerica Life a good company . Now , do they have the products that fit what you need ? I have no idea . My advice is this : Be smart and find an agent you can trust . They 'll help you put together a program that works for you and your situation .


Input: How Good Is Primerica Life Insurance?

Output: Primerica has a reputation that its agents use their life insurance to concentrate on selling their company 's investment products . The Life Insurance is then just an entre to the home to sell other products . New York Life , on the other hand , concentrates on Life Insurance and has a large selection from a highest quality company .


Input: What Is The Cheapest Health Insurance In Georgia?

Output: The cheapest health insurance in Georgia will vary , depending on which part of the state you live in , and other additional factors . As an experienced broker , we search and find the lowest rates from top-rated companies . Keep in mind that if you qualify for a subsidy , your premium will reduce ... perhaps substantially .


Input: What Is The Cheapest Health Insurance In Georgia?

Output: The best way to find the cheapest health insurance in Georgia is to work with an independent agent . That health insurance agent does n't work for just one carrier so they will be able to show you plans from all the major carriers . A lot of agents will also have a website -LRB- like ours -RRB- where you can compare quotes instantly online .


Input: Where Can I Find Cheap Renters Insurance?

Output: Shop your coverage with local agents in your area . Renters insurance is normally inexpensive . If you are looking to cut the cost some consider having your auto and renters coverage with the same carrier this will typically get you a discount on both policies . Find yourself an agent that you are comfortable working with as they will be the person that will assist you when you have a question or concern about coverage or a claim .


Input: Can I Be Denied Health Insurance Coverage For A Pre Existing Condition?

Output: I assume you are looking for a policy that will be effective after 01/01/2014 when the Affordable Health Care Act begins to dictate that `` pre-existing conditions '' can not prevent you from obtaining coverage . If you get a policy prior to that date the insurance companies can and will underwrite the application and if your condition prevents them issuing the policy they will refuyse to write the policy


Input: Can I Be Denied Health Insurance Coverage For A Pre Existing Condition?

Output: Under the new Affordable Care Act no one can be denied health care for any pre existing condition . I recommend you contact a certified agent who can help you through the process of obtaining quotes for health insurance . Depending on your financial situation you may even qualify for financial assistance .


Input: When Was Universal Life Insurance Created?

Output: Although there were similar products introduced in the 1970 's , most life insurance companies started carrying Universal Life as a part of their portfolio by the early to mid 1980 's . The high interest rates offered at that time made them very popular to consumers looking for a return on their life insurance premiums .


Input: When Was Universal Life Insurance Created?

Output: The company Trans America created universal life insurance . It is an indeed based , and flexible premium life insurance policy that is low cost and with increasing benefits . Tbis was during the 1980 's when this product was introduced . It is a fine product and has amazing benefits to the policy . Very low priced and with all riders .


Input: Will Medicare Pay For CT Scan?

Output: In order for the CT scan to be covered by Medicare , it must be deemed medically necessary via doctor 's orders , and Medicare must agree with the order . The Computerized Axial Tomography -LRB- CT -RRB- scan must be performed by a health care provider who participates in Medicare . Medicare Part A covers CT scans performed in a hospital or skilled nursing facility ; Medicare Part B covers CT scans performed as an outpatient .


Input: What Is Life Insurance Brokerage?

Output: A life insurance brokerage is an entity that contracts with multiple life insurance companies in order to sell their products directly to consumers , or to consumers through other agents . In contract to captive agents , who predominately sell for one company , brokers are able to shop many companies to find the best rate for their clients .


Input: What Is Life Insurance Brokerage?

Output: A Life Insurance Brokerage is an office , website or entity where an organization of agents provide quotes and rates from many top companies . Typically , you can get great prices by working with a brokerage firm for life insurance since there are no fees . They are a great resource for information since they are involved full-time in the business .


Input: What Is Life Insurance Brokerage?

Output: A life insurance brokerage is a business through which multiple life insurance carriers are represented . The brokers that are affiliated with the brokerage are appointed with different companies . A successful brokerage one that really gets the job done for the consumer should have certain characteristics . First of all , it should specialize in one product line : life insurance . The broker should be a master of his craft . He or she should be an expert in life insurance underwriting , because it is through getting good underwriting that you deliver the best value to your client . Good underwriting can give you the lowest rate/highest cash value accumulation . If the broker sells multiple products , such as life insurance , and annuities , and disability insurance , and investments , etc. , then he really is a jack of all trades and master of none . Another point is that the brokerage should be run just as any good business is run . You make commitments and you deliver on them . This means that the sales model of the brokerage should be to provide a quote about which they are confident the client will be approved . It is common business sense to quote a reliable price . Prequalification should therefore be an essential part of the service the brokerage provides . Clients are entitled to know the company , product , and price before submitting a formal application . Then all involved can be sure that going through underwriting will be worthwhile . A brokerage operation should be designed to make the purchase of life insurance a very satisfying experience for the consumer .


Input: What Can I Do To Plan For Retirement?

Output: Sit down with an advisor and get a game plan . Every person 's situation is different so you need an advisor that is going to take the time to look at the entire picture . I would recommend someone that has knowledge of how to file when it comes to Social Security , as this can cost you hundreds of thousands of dollars if done incorrectly . Advisors who offer this as a service will be few and far between , but they are out there . A good advisor will help with understanding your risk tolerance and place you in the correct investments to ensure the money you have lasts . This could be made up of stocks , bonds , mutual funds , annuities and life insurance . Yes , life insurance . Take the time to interview a few advisors in your area and make sure the appointment is about you and not the advisor .


Input: What Can I Do To Plan For Retirement?

Output: What can I do to plan for retirement ? Get started saving , even if i 's passbook . Time is your biggest ally in retirement planning . More people waste that time trying to find the `` prefect '' retirement choice when really it is discovering the `` habit '' and `` discipline '' of saving money.Do not wait until you have found `` perfect '' , start saving , start learning and move funds from those saving into your different choices that you 've learned about . Is this a prefect plan ? No , it 's main goal is to get you saving money `` while '' you investigate your options .


Input: Does Aflac Sell Auto Insurance?

Output: No , Aflac is a life & health carrier , offering supplemental policies , that pay you not the doctor or hospital . If you have an injury for example , Aflac would pay you for sickness or injury . Auto , home owners , liability , & commercial insurance , would be considered property & causality insurance . Think of it as P&C covers your property , & any liability for causality or risk you would incur .


Input: Does Medicare Cover CPAP Machines?

Output: Medicare will cover a three month trial for a Cpap machine for those on Medicare who are diagnosed with sleep apnea . It is covered under Medicare Part B . If the machine works to alleviate signs and symptoms of sleep apnea , Medicare may cover the Cpap machine rental for a longer period of time . Once you have rented the machine for 13 months , you own it .


Input: What Can I Do If My Car Was Hit In A Hit And Run And The Owner Of The Other Vehicle Denies Responsibility?

Output: Repair of your car is normally covered by the collision coverage contained in your auto policy . If your car does not have collision coverage you may have exhausted your insurance options . You can litigate directly against the other vehicle owner . An attorney can advise you on the possibility of prevailing in a lawsuit .


Input: Does Auto Insurance Cover A Stolen Car?

Output: If you bought just liability coverage it will not pay if your car is stolen . It just depends what you selected when you bought your coverage . All states require at least a minimum amount of liability coverage before you can legally drive a car . You do not have to have insurance coverage that will pay to repair or replace your own car but you do have to protect other people 's property that you might damage with your auto .


Input: My Partner Had A Wreck In My Car & the officer was inappropriate on top of things.

Output: I am very sorry to hear about your partners rough morning ! I am glad that she and her passengers are ok . Unfortunately , I 'm sure that you have a pretty good idea of what the worst case scenario will be - she is an at fault motorist involved in an accident , she is not an insured in your car , your insurance company refuses to pay , and you are stuck with the repair bill , and she gets a ticket . It may work out that if you go to court , and she is able to prove that the other driver was at fault , that you may be able to file a claim against them , and maybe recoup some of your losses . Your best bet is to contact your agent , explain what happened , and ask for their advice on how to proceed . Good luck ! If there is any way that I can help , please feel free to contact me . Thanks for asking !


Input: How Do I Contact Medicare As A Provider?

Output: For specific billing questions , questions about claims , or your patience 's medical history , Medical providers can contact Medicare in a number of different ways : Online at www.MyMedicare.com ; By phone , calling 1-800-MEDICARE , or TTY1-877-486-2048 ; or by mail , sentto the following address : Centers for Medicare & Medicaid Services 7500 Security Boulevard Baltimore , Maryland 21244-1850


Input: What Is The Best Long Term Care Insurance In Arizona?

Output: The best long term care insurance in Arizona can come from any of the highly rated companies that offer long term care insurance in this state . It just depends on which company has the best rate and features for your age and health . With all the wonderful levels of care offered in AZ , you would definitely want to get a policy that offers the option to use the benefit to pay for any type of care .


Input: What Is The Best Long Term Care Insurance In Arizona?

Output: There are several long term care insurance companies who do business in Arizona . Selecting one carrier is a difficult task because each potential purchaser has differing personal information like gender , age , smoking status , health history and current medical condition . Those items can effect the selection of the company . But overall Genworth is a leading long term care insurance provider .


Input: What Is The Best Health Insurance For Small Business Owners?

Output: The best health insurance for small business owners will vary , depending on many factors . Finding the best rates and coverages are the first step and utilizing an experienced health insurance broker is critical . For example , my 33 years of experience in the business helps customers save thousands of dollars . The type of business you have , number of employees , where you live and claims experience are just some of the factors that will influence the cost .


Input: What Is The Best Health Insurance For Small Business Owners?

Output: Group health insurance works very differently from individual coverage - there are many moving parts involved with putting together a group health insurance plan Group health insurance is health insurance a business owns and offers to its employees . The business generally pays for a percentage of the premiums with the employees paying the rest . It 's often offered as a means of attracting people to come work from them . Group health insurance quotes are based on the size of your business , the industrys SIC code , age of employees , and average employee health -LRB- except in Maryland , which requires no medical underwriting -RRB- . There are no instant online quotes for group health insurance for these reasons . To get a quote for group coverage , I recommend contacting an experienced broker . We can shop for quotes from multiple companies for you and create a benefit structure that best serves the needs and budgets of your business and your employees . Having too many `` hands in the cookie jar '' can sometimes make things confusing . Please let me know if I can be of further assistance . Thanks very much .


Input: What Does Medigap Mean?

Output: Medigap is another name for Medicare Supplement plans . Original Medicare -LRB- Parts A & B -RRB- only cover about 80 % of a senior 's health care expenses , leaving the insured responsible for the other 20 % . While 20 % does n't sound like a very big figure , it can add up to a nice big medical bill really fast . For example , if you had a procedure done that cost $ 10,000 and Medicare paid for 80 % -LRB- $ 8,000 -RRB- , you would be responsible for the other $ 2,000 of the bill - how many people can just get out their checkbook and write a check for that amount ? That number can be a lot higher too . The idea of a Medigap plan is to cover the gaps in coverage that Medicare does n't pay for -LRB- e.g. that other 20 % -RRB- . You pay a monthly premium to get these gaps covered so you 're not hit with large bills . The resulting major advantage is it allows a senior to create a much , much more predictable health care expense structure - and when you 're on a fixed income , this is vital . A plan F is the most comprehensive Medicare supplement plan available in the marketplace today - plans C , G , and N are very competitive as well .


Input: What Does Medigap Mean?

Output: Medigap is another name for Medicare Supplements . Medicare insurance pays for many medical expenses , but not all of them . The different Medicare Supplements can fill some or most of those gaps , hence the name Medigap . To find out which Medigap plan fits your needs the best , talk to a local agent .


Input: What Does Medigap Mean?

Output: Medicare is not designed to cover every medical expense . There will always be copayments , coinsurance , and deductibles to meet . Prescription drugs are not covered by Medicare parts A and B. Medigap policies are issued by private companies . You pay a monthly premium for a guaranteed renewable policy . Medigap policies do not cover prescription drugs . You must purchase a separate part D plan from a private carrier .


Input: Will Health Insurance Cover A Breast Pump?

Output: The answer to your question may vary from company to company . Some companies may pay in full while some will only cover a portion . On your membership card there should be a `` customer service '' number . You should call them and ask them . You will need to give them your identifying information and your policy number as they have to make sure you have the right to request information


Input: Will Health Insurance Cover A Breast Pump?

Output: The Affordable Care Act requires that breast pumps be covered with no copay , but not all insurance plans are required to be compliant . Most plans require you use their provider , and only cover a specific pump . If you want a different pump , some companies will allow you to purchase a different pump if you pay the difference . You will ultimately have to check with your insurance company to see their specific coverage .


Input: What Does Medicare Approved Mean?

Output: Any time you have a claim , Medicare must approve the medical necessity of that claim and the amount they will pay . If a claim is not approved Medicare will not pay . Medicare when paying claims has a set payment they will approve for a specific procedure based on how that procedure is billed . Medicare will only pay 80 % of that approved amount for Part B covered charges . A doctor can not bill for more than 15 % of the Medicare approved charges . Some states like Ohio do not allow the 15 % excess charges . A doctor who accepts Medicare can not balance bill for more than the approved amount .


Input: How Much Will Whole Life Insurance Cost Me?

Output: The cost of any life insurance policy depends on factors such as age of the person being insured , whether the applicant has health problems or other risk factors , tobacco use , and amount of coverage desired . That being said , Whole Life insurance usually costs considerably more than Term insurance because it is designed to last until death and to create some cash value . In some situations involving very poor health , advanced age , or when a very small face amount is desired , Whole Life can cost less than Term -LRB- if Term is available at all in that situation -RRB- . It is imperative to use a reputable agent or agency who will show you what you can get in your price range and help you weigh out the type and amount of coverage to get to best suit your needs .


Input: How Long Does It Take For A Car Insurance Claim?

Output: According to JD Power and Associates the average time to process an auto insurance claim is 14 days . Keep in mind that this is the average and certain circumstances regarding any specific claim may cause the claim to take less or more time .


Input: Which Individual Health Insurance Covers Pregnancy?

Output: Under the affordable care act , every health insurance plan must cover the 10 essential health benefits - maternity care -LRB- including pregnancy -RRB- is one of the essential health benefits . Therefore every individual plan will provide some form of coverage for that type of benefit . How much a plan will pay when that benefit is used will vary from plan to plan . It 's always helpful to consult with an experienced health insurance broker to determine which plan will be most suitable for your specific needs and budget . I hope the information is helpful - please feel free to contact me for help and if you have any other questions . Thanks very much .


Input: When Do You Pay Auto Insurance?

Output: In California , in order to issue a policy a payment must be made . You will be given payment options going forward for you to chose from . Anywhere from pay in full to monthly payments . You can also set up for automatic deductions from a credit card or checking account .


Input: When Do You Pay Auto Insurance?

Output: Typically , you pay for auto insurance when you purchase the policy . Depending on the effective date , you can pay at a later date . Also , each carrier is different , regarding their billing procedures . If you are already covered , usually a bill is sent 30-60 days in advance of the due date .


Input: When Do You Pay Auto Insurance?

Output: In NJ once you purchase vehicle one need to have insurance paper work to show at the DMV . Depending upon your situation that is you are adding the vehicle on your existing policy , or replacing vehicle , inform your Insurance agent who usually gives you some grace period for payment . But one need to inform agent for such changes immediately . Also , it is better to talk to your agent while you are about to make some changes in your Auto , that is sale , purchase or adding another driver , use of vehicle , even type and make of vehicle as agent can good guide for you if certain vehicle can cost you more or less in premium etc. . . Some older version of car with no air-bag , or lights ON features etc can cost more , compare to new models with all added safety features ... . Note : I write answer based on my experiences ... .


Input: Is Medicare The Same As Health Insurance?

Output: Yes , Medicare is health insurance . It has some differences from privately purchased health insurance , or health insurance provided through an employer . The contractual coverages all depend on the plan , and the same is true with Medicare coverage . There are copays and deductibles , just like with health insurance . The biggest difference is the cost .


Input: Is Medicare The Same As Health Insurance?

Output: Medicare is a type of health insurance available to those over the ge of 65 and people with disabilities that have received social security income for more than 24 months . Coverage on Medicare works differently than traditional health insurance one is used to before joining the Medicare system , though many aspects are the same . Medicare has four parts , A -LRB- hospital coverage , the part that is `` premium free , '' for those who worked at least 40 quarters before becoming eligible -RRB- , B -LRB- outpatient coverage , which has a monthly premium , currently $ 115 for most -RRB- , C -LRB- Medicare Advantage , which replaces A and B -RRB- , and D -LRB- optional prescription drug coverage -RRB- .


Input: Will We Be Required To Have Health Insurance?

Output: You will be required to have health insurance in 2014 . Oh , that pesky government ! As part of the Affordable Care Act , you will be taxed if you do n't have qualified coverage . Federal tax subsidies will be available and as mentioned below , full-time experienced brokers are the best resources to discuss the topic . Here 's what to do . As experienced brokers , our job is to shop the best carriers in your area , and show you the lowest rates for the coverage you need . It may not be as expensive as you think and you may qualify for a big federal tax subsidy !


Input: Will We Be Required To Have Health Insurance?

Output: Starting in 2014 the PPACA or Obamacare will be operational . All Americans will be required to have health insurance , but not all will pay for health insurance . The health care legislation is based on means testing , so the poor wont pay anything and the middle class could have subsidies . Because it is a federal program , all shortfall of the legislation will be paid be federal tax payers , i.e. only half the country .


Input: How Do I Borrow Against My Life Insurance?

Output: If you have permanent life insurance , like whole life , you can borrow against it , from any equity which you would have earned , after about two years . You merely contact your life insurance agent , or the carrier direct if you do not have an agent any longer , and inform them of your desire to borrow against your policy . They will send you a form asking for the relevant information . All this can be done within one day . You can then have the funds direct deposited into your checking account or have a check sent to you . Thank you . GARY LANE .


Input: How Do I Borrow Against My Life Insurance?

Output: You can borrow from your life insurance policy by contacting your insurance company and requesting a loan . You may need to complete a form and you usually can borrow up to 90 % of the cash value . The specifics will be detailed in your policy wording . In Canada , when you borrow you will trigger a taxable gain if the amount borrowed exceeds the adjusted cost base . Be sure to check with the company concerning any tax consequences involved with borrowing . When/if you repay the loan you will receive a credit for this . Using the policy as collateral and borrowing from a bank does not trigger a taxable gain . A reminder , if you do not pay the interest on the loan , it will compound and could put the policy at risk of lapsing . If you have further questions , or feel that I could be of assistance , please do not hesitate to contact me . If you would like to work with a local life insurance broker , you could start with a Google search . For example , if you search for : life insurance broker Halifax or life insurance agent Halifax , my name , along with several others , will come up . You can use the same method to find a life insurance broker in your community .


Input: How Do I Borrow Against My Life Insurance?

Output: That is a great question ! You need to have a whole life policy to be able to borrow anything . Term policies have no cash value to borrow from , so the first step is to determine what policy you have . The second step is to see how long the policy has been in force . If it has only been a year or two , in most cases there wo n't be anything yet to borrow . If the policy is a few years old , the company can tell you what your borrowable amount is . They will send you a form , and after processing it , a check . Hope that helps , and thanks for asking !


Input: What Is The Penalty For Driving Without Car Insurance In Kentucky?

Output: The penalty is $ 500 or more plus court costs for a first-time offence . Court costs are often between $ 150 and $ 200 dollars . In addition to the fines for driving without insurance , the state of Kentucky can cancel your car registration if you do not have insurance . Insurance companies provide a list of insured drivers to the state . If the state does not receive notification that you have insurance for 60 days , they will send a notice to provide evidence of coverage . If you do not provide evidence of coverage within 30 days , your auto registration may be canceled .


Input: Can A Non Citizen Get Life Insurance?

Output: A non citizen can get life insurance with most companies if they have a green card or an H-1b work visa . Some companies do require that the applicant be a US citizen before allowing them to get a life insurance policy , and some will only allow green cards but not work visas . Contact an agent to find out which companies will work for your situation .


Input: Can A Non Citizen Get Life Insurance?

Output: Yes you can but most insurance companies require that you have been in the country for 3 or 6 months . This will vary from carrier to carrier . It will also depend on your frequency of travel outside of the USA and if you will be traveling to certain `` high risk '' countries often or not .


Input: Where Is Car Insurance Mandatory?

Output: That is a great question ! Car insurance is required in almost every State in America . Even in the ones that do n't , you have to be able to prove that you can pay for damages caused in an accident . If you are looking for the state with the least requirements , it used to be New Hampshire , but that may have changed since I lived out east . It is safe to say that it is required almost everywhere that you can go . It makes sense to have it , and can be devastating to you if you do n't . Thanks for asking !


Input: What Is The Penalty For Not Having Car Insurance In Alabama?

Output: Generally speaking the penalty is revocation of your driver 's license . This will typically take place if you do not provide the DMV with proof of insurance , typically done with form SR-22 . If you lapse coverage without having additional coverage established the insurer will typically notify the DMV as they are legally required to do . The DMV will then begin revocation if you can not provide proof of insurance .


Input: Can Employers Deduct Long Term Care Insurance Premiums?

Output: Employers can deduct premiums paid on behalf of their employees for long term care insurance . This is a great benefit to provide employees as it secures loyalty to the employer . Individuals can deduct premiums on individual plans as well . When benefits are received those benefits are not considered ordinary income .


Input: What Does Non-Owned Auto Insurance Cover?

Output: Talk to your Insurance Professional about the availablity of this type of policy and it 's limitations . Typically , a named non-owner auto policy will provide stated liability coverage , which is protection for you in the event you are responsible for causing an accident that results in property damage or bodily injury . In CT , it will also include stated uninsured motorist protection for your benefit in the event that you are injured as a result of an accident caused by an uninsured person . Finally , it may also include stated primary medical benefits for you again if you are injured as a result of an accident that is caused by either you or another party . The policy will NOT provide any coverage for physical damage -LRB- Comprehensive or Collision -RRB- for the vehicle that you are driving .


Input: What Does Non-Owned Auto Insurance Cover?

Output: A non-owned auto insurance policy is typically a liability only policy . This means that if you are deemed at fault in an accident and it is a covered lossyour insurance would typically be responsible to pay the damages caused up to the policy limits . Please read your policy completely to understand what coverage is provided and what exclusions there maybe or contact your local agent to have them go over the policy with you .


Input: Is A Variable Life Insurance A Good Investment?

Output: You are liable to get a different answer from everyone you ask . Is Variable Life Insurance a Good Investment really depends on what you want . First , this is a Life Insurance policy . When you die , providing the policy is in force at the time of death , a death benefit will be paid to your beneficiaries . Second , there is an investment component to these meaning from your premium , after the cost of insurance and any other fees/expenses are paid , the remaining funds are placed into accounts similar to what you might see with mutual funds or stocks . The risk is you are subject to the market loss just as you get the gains . Your policy COULD run out of monies if your `` investment '' continues to loose money which may cause the policy to lapse unless you put more money into it , on top of your regular premium .


Input: Is Life Insurance Necessary For A Mortgage?

Output: Life insurance is not necessary to get most mortgages . If you put down under 20 % for the down payment , you may be required to get PMI -LRB- Private Mortgage Insurance -RRB- in order to obtain the mortgage . That is not regular life insurance , but a policy created just for the purpose of paying off what you owe the lender , in the event of your death . Many people do choose to buy term life insurance to pay off their mortgage , so that their loved ones can stay in the home if they were to pass while the mortgage is not yet paid off .


Input: Is Life Insurance Necessary For A Mortgage?

Output: It depends on your definition of `` necessary '' . It used to be common practice for mortgage companies to sell credit life insurance that would pay the mortgage in the case of the borrower 's death . These policies are n't sold much anymore because they were n't really a good value for the borrower . The rates were high and the death benefits fell over time with the balance of the mortgage . It 's usually a good practice to have life insurance in place to pay off any debts you have including a mortgage . To do this the right way you really need to consider the bigger picture of your life . A mortgage is just one piece of the puzzle that is your financial life . When considering how much life insurance you need , you have to determine what will happen if you die and where that will leave the survivors . Find an agent you can trust and go through the process of this planning . Nobody likes thinking about their death , but the situation exists whether you plan for it or not .


Input: Who Pays For Indemnity Health Insurance?

Output: Indemnity insurance is a form of health insurance that pays a fixed amount per service or for a period of time . For example , an indemnity policy might pay $ 50 towards a doctor 's office visit . This means that regardless of the total cost of that visit to the doctor the indemnity policy pays $ 50 . Another common example is the indemnity policy may pay $ 500 per day that the policyholder is in the hospital . If the policy holder had a 2 day hospital stay that cost $ 8000 the policy would pay $ 1000 -LRB- $ 500 x 2 -RRB- and the policy holder would be responsible for the remaining $ 7000 in hospital expenses . There are many variations on the indemnity policy theme and they are often combined with accident and/or critical illness policies to provide more financial protection . In any event , indemnity policies are not major medical policies and by design provide defined and limited financial protection to the policy holder . These policies were really designed more as a supplement to major medical insurance than as a replacement for it . If you have a premature baby that racks up $ 500,000 in neonatal intensive care bills an indemnity policy will not go very far towards covering that expense . Also , indemnity policies do not meet the Minimum Essential Benefit requirements for health insurance under the affordable care act -LRB- ObamaCare -RRB- and will leave such a policyholder subject to the individual mandate tax penalty if that is the only medical insurance a person has . With the high cost of ObamaCare compliant plans the lower costs of hospital indemnity plans can be a tempting option for some people but you should be under no illusion that these policies cover the full range of medical services a person might need or that they provide protection against the costs of serious illnesses or injuries that might run into the 5 , 6 or 7 figure range .


Input: Who Offers Medigap Coverage?

Output: Medigap or Medicare Supplement insurance coverage is offered by private insurance companies . All Medigap Plans are standardized , so the benefits with Plan F from ABC insurance company are the same exact benefits with XYZ insurance company . The only difference is the price . Often times , Seniors are only aware of a few insurance companies that offer Medigap Plans . This is because of their heavy marketing techniques . In reality , there are many more insurance companies available and probably most of them you 've never heard of -- but since Medigap Plan benefits are standardized by CMS , it does n't matter what the name of the insurance company is . An independent agent specializing in Medicare Supplement insurance can share which insurance companies are in your area and which ones have the best price . Thank you for reading my response . Please let me know if I can help you find Medigap coverage in your area .


Input: Who Offers Medigap Coverage?

Output: The best way to determine who offers Medigap Coverage is to speak with an independent agent that specializes in Medigap Plans -LRB- Medicare Supplement Plans -RRB- . A good agent will be able to show you all the top rated insurance carriers offering Medigap Plans and help you determine which plan would be the best fit for your specific needs . You can also visit our website for more information or give us a call .


Input: Who Offers Medigap Coverage?

Output: There are many companies that offer Medigap plans , but not every company offers every plan and in every state . Most insurance companies have a handful of states they do business in for their Medigap plans and only sell several of the available plans -LRB- e.g. company XYZ only sells Medigap plans A , F , G , and N -RRB- . Since Medigap plans are standardized -LRB- meaning the coverage is the same , regardless of the company it 's through - the only difference being the price of the coverage -RRB- , it 's important to find out all of the carriers that offer plans in your zip code . Some of the big name companies in the Medigap marketplace include , but are not limited to , United Healthcare -LRB- parternered with AARP to use their name on their Medigap plans -RRB- , Omaha , WellPoint -LRB- Anthem and other Blue Cross carriers -RRB- , Aetna , Cigna , Humana , Central States Indemnity , Medico , New Era , Royal Neighbors of America , United American , and Equitable , to name a few - there are a number of other companies out there in the Medigap marketplace . I hope the information is helpful - please feel free to contact me for assistance with your Medigap coverage needs , including quotes and plan comparisons , and if you have any other questions . Thanks very much .


Input: What Is A NPI Number With Medicare?

Output: The NPI number is a ten digit identification number given to health care providers by the CMS -LRB- Center for Medicare and Medicaid Services -RRB- . NPI stands for National Provider Identifier . It replaced the UPIN , Unique Provider Identification Number , in 2006 . Health care providers are required to use the NPI for HIPAA correspondence .


Input: Does State Farm Offer Long Term Care Insurance?

Output: State Farm does offer Long Term Care Insurance , but not in every state . Their Long Term Care policies and Partnership Long Term Care policies offer options for home health , hospice , and respite care in addition to nursing home and other institutional care . Benefits can be purchased up to $ 500 per day .


Input: Can I Apply For Life Insurance Online?

Output: You can apply for life insurance online in several ways . Sometimes you can fill out the entire application online . More commonly , you find a quote online , then an agent contacts you to be sure you qualify for that quote . Sometimes agents can even find you a lower quote than what you found on their own website . That personal contact can help in many ways , so do n't shy away if you are contacted after attempting to apply online . One phone call can be all it takes to get you on the road with the right application , and after that you may never need to speak to the agent again .


Input: Can I Apply For Life Insurance Online?

Output: Yes you can apply for life insurance online . The life insurance industry is going through a very trying transition right now . The average career life insurance agent right now is over 50 years of age and the total number of agents is quickly declining . This is happening because more people like you are looking for life insurance online . The important thing for anyone who is a just starting the life insurance process to consider is that your buying experience will certainly be very different if you buy life insurance online versus contacting a local agent . Not better or worse , but different . Thinking about how you prefer to do business may help you decide which route to take . Are you part of the connected generation ? If your average day includes texting and Skype or FaceTime you will be perfectly comfortable buying your life insurance online . Do n't be concerned that you will be stuck with some impersonal call center . There are plenty of great online insurance agents that provide personal service . The only difference between them and your local agent is that your communication will be via your smart phone , not in person . If you 're not into the latest technology and you feel that personal interaction requires a handshake , you probably wo n't be comfortable getting life insurance online . You may find the process cold and impersonal . Do n't worry . Even though they 're getting older , there are plenty of great local life insurance agents that will give you advice and personal service your way . Many of them still make house calls and transact business over your kitchen table . The most important thing is not where you get life insurance , it 's that you do get life insurance . Good luck to you whichever route you choose :-RRB-


Input: Can I Apply For Life Insurance Online?

Output: Yes you can apply for a life insurance policy online . But a more important question is : what type of life insurance will best fit your goals ? Then there are a whole collection of optional riders you will want to at least consider . Some types of life insurance you can apply for online without even having to have a medical exam , but the greater number of available policies require a `` field underwriter '' as well as some kind of medical exam . I recommend you consult with an insurance adviser/broker that can help you find the right policy for your goals .


Input: Can I Apply For Life Insurance Online?

Output: That is a great question ! You can find anything on the internet these days , and certainly life insurance is on there for the taking . I 'm not a big fan of buying it on the internet , but I do think it 's good to research and comparison shop on it . Here 's why I do n't recommend buying online : 1 . -RRB- If you apply on line , the price you are quoted is almost always the `` best price '' scenario . It may be quite different from the actual price the policy comes to you with , after the prescription , MIB and underwriting processes are completed . A live agent will have discussed this with you , and in most cases can give you an exact quote . 2 . -RRB- If there is an issue with your health , and you are declined more than once , this becomes a red flag for any other company that you will apply with . Again , a live agent can prevent this from happening by steering you toward an appropriate policy/company . 3 . -RRB- Maybe I 'm a little old fashioned , but the protection of my family still means a lot to me . I 'm not comfortable putting my information out there on the web , especially with the almost daily revelations of who 'd been hacked months ago that we 're just now being told about . Add to that the horrendous experiences with on-line customer service , and I 'm not counting on them to answer in an emergency . I want a live body answering my call . I hope that helps you , thank you for asking !


Input: Can I Apply For Life Insurance Online?

Output: You can absolutely apply for life insurance online . Just be careful . Some tips you need to be aware of before putting your personal information into an insurance quoting site . 1 -RRB- Be sure the website is secure -LRB- WEBSITELINK 2 -RRB- Know the source of the site . A lot of quoting sites are just `` lead '' sites . This means this company will sell your information to insurance agents all over the country . It is not uncommon for a consumer to receive 40 calls and emails per day from agents `` selling '' insurance for weeks and even months . 3 -RRB- Understand that most online sites show you the best possible rate `` best preferred '' when quoting . Only about 5 % of people qualify for that rate and chances are yours will be much higher . I recommend using an independent trusted advisor that will professionally shop the market to get you the best rate at the best price for your unique situation .


Input: What Does Cash Value Mean On A Life Insurance Policy?

Output: The cash value of a life insurance policy is a pool of money that you can borrow from to use for your own purposes , while you are still alive . If you pay back your policy loan with interest , you will still be able to keep the death benefit intact , as well . If you were to surrender -LRB- drop -RRB- your policy , you would receive the cash value minus any fees .


Input: What Does Cash Value Mean On A Life Insurance Policy?

Output: Cash Value Life Insurance is a permanent policy that can accumulate cash by differing credit methods . Participating whole life and current assumption universal life use credited interest rates . Indexed universal life uses domestic and foreign indices and variable universal life uses separate sub accounts with access to equities and bond vehicles .


Input: Does Health Insurance Cover Weight Loss Surgery?

Output: As a rule no , not unless there is a medical necessity . Check the exclusions in your policy or contact your insurance company before the procedure to find out for sure if the procedure you need to have done is covered . Without knowing the details of the situation it is hard to give a definitive answer .


Input: What Is The Cheapest Non Owner Car Insurance?

Output: Insurance providers are not cookie cutter . In other words there are many variables that determine rates . What may be lower in premium for me may not be the case for your . Therefore it 's impossible to say who has the lowest rates . I recommend you contact an independent agent who can shop various insurance providers for you to find the right coverage 's at the right premium .


Input: What Is Renters Insurance And What Does It Cover?

Output: Great question ! Renters insurance is like homeowners insurance , but for people who rent , and not own . It is designed to provide protection for the cost of replacing your belongings in the event that they were damaged or stolen . Your landlord will have insurance to cover their building , but it will not cover your things , so it is wise for you to do so . It can make a huge difference if something were to happen to your building , and is relatively inexpensive for the blessing that it can be . If you need more information , contact me , I 'm happy to help . Thanks for asking !


Input: What Is Renters Insurance And What Does It Cover?

Output: Renters insurance is a must have for everyone who rents a home or apartment and it 's very inexpensive . Renters insurance typically cost between $ 100 - $ 200 per year depending on how much personal property coverage you need . Renters insurance will cover your belongings and provide liability coverage . Renters insurance even covers personal property away from your home or apartment . For example , someone breaks into your car and steels your iPad . Most policies limit coverage away from your residence premise to 10 % but the example would be a covered loss .


Input: What Is Renters Insurance And What Does It Cover?

Output: Renters Insurance is a type of property and casualty package policy that is available if you are renting the home in which you live . This can of course be anything including a rental apartment , rental condominium , loft or even a single family home . The policy is similar to a Homeowners policy in that it provides coverage for your personal belongings and also liability protection . Unlike a Homeowners policy it does not provide primary coverage for the dwelling in which you live . However , the liability portion would provide you with coverage in the event that you were responsible for damage done to that residence . This is why in many cases , you will be required to show that you have purchased Rental Insurance as a condition of your lease .


Input: How Long Is Medicare Primary For Esrd?

Output: Not everyone with ESRD is covered by Medicare , but if you are eligible Medicare will be the primary payer in the following situations . If Medicare is your only health insurance , Medicare is primary . If you have coverage through an employer group health plan , that plan is primary -LRB- if there are 20 or more employees -RRB- during a 30 month COB period . At the end of the COB period Medicare is primary .


Input: When Did Annuities Start?

Output: All annuities have a policy date . That is usually the date that funds are accepted by the insurance company . Money can be withdrawn from an annuity in several ways which would give rise to several other dates . If there will be regular installments for a period of time , which would create a different date . If a lifetime income is desired there would be the start date for that , which could be the same as the policy date on an immediate annuity . The start date for a lifetime income becomes a date that ends all further choices .


Input: When Did Annuities Start?

Output: When did annuities start ? Well they can be traced back to Roman times . Know as annua , people made a one time payment and then collected a payout every year there after . During the 17th century governments issued annuities to underwrite the many wars they were in . People provided money now to the government with the promise of a later payout over many years .


Input: What Is Elimination Period In Disability Insurance?

Output: The elimination period in Disability Insurance is the period of time between becoming disabled and when benefits begin to be paid to the disabled employee . With Long Term Disability , a period of one to six months is usually selected as the elimination period . Generally , the shorter the elimination period , the higher the premium paid for the policy .


Input: Does Renters Insurance Cover Identity Theft?

Output: It will depend on the policy , but most companies offer identity theft protection now a days for an additional premium . The best thing to do would be check your policy or contact your local agent and see if that is included and if not see if your company offers that .


Input: Does Renters Insurance Cover Animal Damage?

Output: If the animal in question is a domesticated animal then there may be coverage for damage by the animal . A non domesticated animal is almost certainly excluded from coverage 's . Refer to your policy or contact your local agent to further discuss since each policy can differ by each individual insurance company .


Input: Why Is It A Good Idea To Have Renters Insurance?

Output: Renters insurance provides protection for your belongings should you have something terrible happen , such as a fire , water damage , or a break in . The insurance will help provide the money to replace the value of what was lost . Without it , the cost of replacing your tv , computer , etc. is all yours .


Input: How Much Is Car Insurance For A Porsche Boxster?

Output: The cost of auto insurance coverage for any vehicle or driver can vary greatly . Things that effect your auto insurance rates are geographical location , vehicle , age -LRB- s -RRB- of driver -LRB- s -RRB- , type of coverage desired , motor vehicle record of all drivers , credit rating of all drivers , and more . Contact a local agent to get a quote . A quote cost nothing but will let you know where your rate would be .


Input: How Do You Buy Health Insurance In Illinois?

Output: You can get health coverage through healthcare.gov on your own or go through a licenesed agent . We at WEBSITELINK have helped millions obtain coverage . You need to find out what you qualify for if your eligible to get tax credits . You can obtain coverage during the open enrollment period . After that , you have to wait until Novemeber 2014 to enroll in a plan during open enrollment . You maybe eligible to enroll outside the open enrollment period if you have experienced a qualifying life event . If you do not have a qualifying life event during the SEP -LRB- Special Enrollment Period -RRB- you may opt to obtain a short term plan to bridge the gap until the next open enrollment period in Novemeber .


Input: How Do You Buy Health Insurance In Illinois?

Output: Great question ! There are a couple of ways . Bear in mind that there is an annual open enrollment period once a year in the fall when you can sign up . The rest of the year , the enrollment is closed , unless you have a major life change , such as a change in employment , get dropped by previous coverage , get married or divorced , for example . When you shop , you can either enroll in your employers -LRB- or your spouses -RRB- plan ; you can seek out a private company to purchase from , or you can go to healthcare.gov to shop . The benefit of the Government website is that you may qualify for a discount offered on that site . If you need help , please contact me , okay ? Thanks for asking !


Input: How Do Annuities Work When You Die?

Output: After you make a contribution into an annuity , the value grows tax deferred . This is one of the key reasons that people invest in annuities . If you have had money invested in an annuity for a period of time there may be a large amount of deferred income . When you die your beneficiary will receive the proceeds and will have to pay income taxes on the amount of the deferred income . There is a spousal exemption to this however , so if your beneficiary is your spouse they will have the option of continuing the deferral .


Input: How Do Annuities Work When You Die?

Output: An annuity is a legal contract that allows you to designate a beneficiary and contingent beneficiary . If you die during the accumulation phase of a deferred annuity , the amount accumulated will be sent directly to your beneficiary outside of probate . If you die during the disbursement phase the particular option that you have selected will dictate the distribution of any remaining assets . For example if you have selected a joint life annuity , some portion of the payment will continue until the death of the second annuitant .


Input: What 3 Questions Does AARP Ask For Life Insurance?

Output: At this time , AARP 's three health questions for their term insurance are : 1 . In the past 2 years , have you had treatment or medication for or been diagnosed by a doctor as having heart trouble , stroke , cancer , lung disease or disorder , diabetes , liver or kidney disease , AIDS , AIDS Related Complex , or immune system disorder ? 2 . In the past 2 years , for any condition , have you been admitted to or confined in a hospital , sanitarium , nursing home , extended care or special treatment facility ? 3 . In the past 3 months , have you consulted a doctor or had treatment , medication or diagnostic tests of any type ? -LRB- Note : You are not required to report negative AIDS or HIV tests -RRB- .


Input: What 3 Questions Does AARP Ask For Life Insurance?

Output: What 3 questions does AARP ask for life insurance ? I guess the answer to this question would best be found on AARP 's website for life insurance . I think it might be more important to look at the insurance offered with those 3 questions . Currently it is a group policy offered through New York Life . NYL is a fine company so no worries there . This plan is a 5 year level term policy , which means every five years the cost will increase . The policy ends at age 80 , with nothing to convert over to . So if you need coverage beyond age 80 , you will be shopping again . Pricing wise , because of the few questions asked , the price tends to be high . This would be true of any insurance company that asks only a few questions . What you do n't ask about , you charge for . So a healthy person could do much better elsewhere , but for the person who wants to go this route and does n't mind the extra cost and the early ending , it 's fine .


Input: What 3 Questions Does AARP Ask For Life Insurance?

Output: The AARP branded life insurance is actually New York Life . They just pay for the AARP branding . They go all the way to guaranteed issue so the only three questions on that are going to be 1 . What is your age ? 2 . What is your gender ? 3 . How much coverage do you want ? Anyone considering this policy would be well advised to keep looking . It 's probably the worst deal you can get . Most people can get a much lower premium and first day full coverage rather than accept the terms of a guaranteed issue policy . AARP often tries to sneak into the fine print `` Premiums are not guaranteed . You can not be singled out for a rate increase but we can increase them on all insureds . '' That is completely unacceptable . New York Life is wise to pay AARP to use their name to sell this . No one who reads it would ever accept that deal . But some AARP members trust the brand name so much they do n't read it .


Input: What 3 Questions Does AARP Ask For Life Insurance?

Output: AARP has a number of policies , so the questions asked depend on which policy you are apply for . But one that has three health questions is AARP 's term policy , which Larry described . Here are those questions at this point in time : 1 . In the past 2 years , have you had treatment or medication for or been diagnosed by a doctor as having heart trouble , stroke , cancer , lung disease or disorder , diabetes , liver or kidney disease , AIDS , AIDS Related Complex , or immune system disorder ? 2 . In the past 2 years , for any condition , have you been admitted to or confined in a hospital , sanitarium , nursing home , extended care or special treatment facility ? 3 . In the past 3 months , have you consulted a doctor or had treatment , medication or diagnostic tests of any type ? -LRB- Note : You are not required to report negative AIDS or HIV tests -RRB- .


Input: If I Die Who Would Get My Life Insurance?

Output: When you purchase your life insurance policy , you have an opportunity to name a Primary Beneficiary . This is the person who , should you die while th policy is in force , will receive the proceeds of that policy . You also have an opportunity to name a Contingent Beneficiary , to whom the proceeds would be distributed if for some reason , your Primary Beneficiary has also died or can not for some reason receive the money .


Input: If I Die Who Would Get My Life Insurance?

Output: If you are the insured person on your life insurance policy , the death benefit will be paid to your beneficiary or beneficiaries that you had designated on your policy . If you are the owner of the life insurance policy , with the insured person being someone else , the policy would go to whoever you had set up as the contingent owner , if you would pass away . If there is no contingent owner , the insured person might become the owner .


Input: If I Die Who Would Get My Life Insurance?

Output: The idea is that someone that you love and name in the policy will get the proceeds of your life policy . Life insurance is a legal contract . The company is obliged to pay your beneficiary the proceeds . If your beneficiary is no longer alive , then your contingent beneficiary will receive the proceeds . If there isnt a designated beneficiary that survives you , the probate court will decide .


Input: If I Die Who Would Get My Life Insurance?

Output: Your beneficiary gets the death benefit . Make sure you choose a beneficiary who can and will execute any plan you may have for the funds . Maybe if you have children you want some of the money to go to their college cost or maybe payoff your home . I think you should go a step further and do an estate planning plan . Or maybe a trust of some sort to dictate how the money is spent


Input: If I Die Who Would Get My Life Insurance?

Output: The person or entity -LRB- charity or business -RRB- that would receive your death benefit if you were to die is called your beneficiary . Your life insurance would go to your primary beneficiary first . If you were to die along with your primary beneficiary , the death benefit would go to your contingent beneficiary . Beneficiary designation is very important . Experienced agents will perform regular beneficiary audits to make sure that in the event a client dies , their death benefit goes where the client whished it to go .


Input: Will Medicare Cover A Hospital Bed?

Output: Medicare Part B covers hospital beds as a type of durable medical equipment -LRB- DME -RRB- - it must be prescribed for use in your home by a doctor and the doctor is enrolled in Medicare . Medicare will generally cover 80 % of the expenses with you responsible for the other 20 % . You will want to find out if the supplier accepts assignment -LRB- accepting the Medicare-approved amount as payment in full -RRB- - if they do not , you would be responsible for any excess charges . I highly recommend securing a Plan F or G Medicare supplement to cover any excess charges .


Input: Can Pregnant Women Get Life Insurance?

Output: Most insurance underwriters will not consider pregnancy as an underwriting issue so long as the insured does not have other health issues that require medication . Under normal circumstances a healthy pregnant woman should not have any difficulty getting health insurance . If other health issues arise then they may rated higher .


Input: Can Pregnant Women Get Life Insurance?

Output: The life insurance industry seems to have no underwriting standard for pregnant women . But a rule of thumb is that most will underwrite a woman during the first two trimesters of pregnancy . General underwriting concerns look for gestational diabetes and high blood pressure , which can generate a rating or postponement .


Input: Can Pregnant Women Get Life Insurance?

Output: Yes , if your health is excellent , you can get the best health rating even into the second trimester . There are No Exam policies that are reasonably priced , for which it does not matter if you are pregnant . You can get that quickly , then apply for a medically underwritten policy after your baby is born . You can even add a child rider for your baby , if you wish , that will ensure he or she is able to get reasonably priced life insurance for the rest of his or her life .


Input: What Are The Different Kinds Of Annuities?

Output: The different kinds of annuities have not just one , but a variety of features that make them different . Here are some of them . Keep in mind that each annuity will have a combination of these differing features . 1 -RRB- Immediate vs Deferred . Immediate annuities are often single premium annuities and they begin making payments to the beneficiary almost immediately . Deferred annuities are often paid periodically , although they can also be paid in a single premium . Deferred annuities are not annuitized until after an extended accumulation period . 2 -RRB- Single Premium or Multiple Premium . 3 -RRB- Fixed , Indexed , or Variable . Fixed annuities have a guaranteed minimum interest rate that is paid on the premium paid for the annuity . Indexed annuities have a base interest rate but can perform above that through the use of market indexes . Variable annuities are invested in the stock or other markets and may or may not have guarantees .


Input: What Do Life Insurance Companies Test Your Blood For?

Output: Life insurance companies can test your blood for many items contained in a screening . They may include nicotine , drug use , cholesterol levels , lipid levels and many other items that help the insurer determine the best rate to offer . A broker can help you determine the best insurer to use based on your results .


Input: What Is Lender Placed Homeowners Insurance?

Output: Under the terms of your mortgage your lender can buy a homeowners policy to protect his interest . He will do this if you do not provide one . That cost of that policy is then included in your mortgage payments . The policy may not protect your interests but it will protect the lenders . The policy may be more expensive . Normally the lender will discontinue the policy when you buy one yourself , naming him as mortgagee .


Input: What Is Lender Placed Homeowners Insurance?

Output: In New York the named insured for a homeowners policy must occupy the premises . The mortgagee or lender does not qualify for a homeowners policyasit does not occupy the premises as a residence . When the borrower 's ` hazard insurance ' is terminated , the lender secures property coverage to protect their insurable interest only . Typically , the borrower is not a named insured on these ` forced placed ' policies purchased by the lender . In this situation the borrower now has no insurance on the dwelling , their personal property , nor do they have any personal liability insurance . In some states a lender may be able to purchase a homeowners policy and may be able to include the borrower as a named insured . I have never seen this in New York . If you are the borrower and your lender has purchased the ` forced placed ' coverage , ask for a copy of the policy to make sure you are afforded coverage under the policy . The premium for this ` forced placed ' policy will be added to your mortgage payments .


Input: Can I Switch Medigap Companies?

Output: In some states , you are allowed to change Medigap plans at any time , without being asked any medical questions . However , in most states , if you are applying outside of your initial enrollment period -LRB- six months after you first get Medicare part B -RRB- , then you will have to qualify medically in order to switch Medigap policies . This means answering health questions on the insurance company application , and usually also involves a phone interview with you and verify your prescription drugs . In most cases , if you answer yes to any of the health questions being asked , you would not be approved by that particular company . That said , not all companies ask the same health questions , so being turned down by one company does not mean you would be turned down everyone .


Input: Can I Switch Medigap Companies?

Output: Most people can switch Medigap companies . If your premium is getting too high , it 's a great idea to have it reviewed and see if you can qualify for a rate reduction with another insurance company . If you are out of your initial Open Enrollment period or not eligible for a Guaranteed Issue situation , you will have to medically qualify for a new Medigap Plan . If you can qualify medically , you can switch Medigap companies any time of the year . Qualifying means you have to answer the health questions on the insurance company application . The insurance company will usually do a phone interview with you and verify your prescription drugs . They will not have anyone come to your house and perform a medical exam . All insurance companies are unique with their health questions -- as is each individual 's health . One company may deny coverage based on diabetes while taking blood pressure medications while another company will approve coverage . You just never know ; that 's why it 's in your best interest to work with an agent who has access to many insurance companies . If I can assist you with your personal Medigap needs , please feel free to contact me .


Input: Is Pension Plan Income Taxable?

Output: In Canada , pension plan income is taxable . Pension contributions by the company and the individual are tax deductible . The funds inside the plan grow tax deferred . Consequently when income is received from the plan it is taxable . Retirement income planning often requires the assistance of professionals . If you would like to work with a local Retirement Planner , you could start with a Google search . For example , if you search for : retirement planner Halifax or retirement planning Halifax , my name , along with several others , will come up . You can use the same method to find Retirement Planners in your community . If you have further questions , or feel that I could be of assistance , please do not hesitate to contact me .


Input: Is Pension Plan Income Taxable?

Output: That is a great question ! In most cases , your deductions from your check to fund the pension plan were taken out before being taxed . If that was the case , then all of the income you are receiving from it now is taxable . If your pension plan was funded with after tax dollars , then your income would be tax free . That is one of the great advantages of a Roth IRA , that when you need the cash , it 's not subject to being taxed . I hope that helps , thank you for asking !


Input: What Does Permanent Disability Insurance Cover?

Output: What does permanent disability cover ? This appears to be a mixed question so lets see if I can make mud out of it . What defines `` permanent disability '' ? For the absolute best it would read as follows . . '' unable to do the material aspects of their current occupation and under a doctor 's care . '' That describes the best disability language you can get .


Input: Does Renters Insurance Cover Loss Of Food?

Output: It may , yes , but it is important to check with your Insurance Professional and discuss the terms and conditions of your particular policy . In general , if food items are lost from a refrigerator or freezer as a result of a long term power outage AND the cause of that power outage is a covered peril in your policy , then there will be some coverage . I have seen that in most cases , the amount of coverage is limited , usually to about $ 500.00 and of course this is subject to your deductible .


Input: Is Whole Life Insurance Ever A Good Idea?

Output: First you need to understand that there are a number of variations on Permanent or Whole Life Insurance . Universal , Indexed Universal , Variable Universal , and straight Whole Life are all `` Permanent Life '' insurance . That said , I would answer your question by saying that Whole Life Insurance is Always a good idea ! From there it needs to be determined what you range of objectives are to determine which type will be best for you . As mentioned above Whole Life is Cash Value insurance that grows cash value tax free at a minimum guaranteed rate . The exceptions are the variable and universal varieties , which are subject to stock market variations and cost increases .


Input: Is Whole Life Insurance Ever A Good Idea?

Output: Is whole life ever a good idea ? Absolutely , for those who understand it 's application and use , it makes great sense . For those who always want to compare it to a stock mutual fund that never ever does anything but go up , well , it shows that they really do n't have a good understanding of how RISK applies to financial choices . I own whole life for many years now . It has served me well , done what I have expected it to do and even better it has never gone backwards like my qualified plan investments have or my real estate investments have . Whole life insurance is a solidly boring financial product that serves a good purpose in a portfolio . It is part of a portfolio , a boring part , but if you 've been around long enough and put money in different places , you 'll understand the need to have something like whole life . Some choices should n't keep you up at night .


Input: Is Whole Life Insurance Ever A Good Idea?

Output: Participating whole life insurance can be an excellent saving vehicle for long term conservative savers or as a conservative part of a persons retirement portfolio . And along those same lines of thinking , can be a disciplined monthly savings approach similar to dollar cost averaging .


Input: Can I Get A Life Insurance Policy If I Am Pregnant?

Output: My experience has been that it is possible to get life insurance during the first trimester , but that insurance agencies are reluctant to take an application for a woman in her second and third trimesters of pregnancy , in case of complications . But I am sure there are some companies that will cover women who are up to 6 months pregnant with a medically underwritten policy , especially if they have had previous event free pregnancies and have no pre-existing conditions . For those who are in the third trimester of pregnancy , there are No Exam policies you can get .


Input: How Can I Compare Home Insurance Quotes In Georgia?

Output: The trick to this is getting quotes that are comparable.There are so many more nuances in Homeowners coverages than on auto . So start out with what coverages you have now . Start with the amount of insurance on Coverage A of your policy . Does this really reflect the replacement cost of your property ? Now look at the ancillary coverages : Do you have water/sewer back up ? Does the limit include both dwelling and contents or only one or the other . Do you have Law and Ordinance Coverage what is the percentage ? What about personal injury coverage ? Do you have a schedule or need specific coverage on jewelry , watches or furs or similar expensive items limited in the existing policy by a dollar value ? If so what is it ? Do you need special circumstantial coverage for a home based business , ? Do you have home Warranty Coverage ? Do you have Earthquake coverage ? Is it constrained by a per cent deductible ? If so what is it ? I think you will get the picture . then I would suggest you give an independent agency a call or visit their website . We would be glad to help you , but perhaps you are not in the Atlanta area and want some local contact . We understand that but our recommendation to an independent agent is still sound advice as they typically will have multiple companies to compare .


Input: When To Drop Universal Life Insurance?

Output: If your universal life insurance policy is using the cash value of the policy to supplement what you are paying in premium each month , just to keep it in effect , you will need to decide whether to keep or drop your policy . One of the factors to consider in making that decision is how much longer you need life insurance coverage . You can ask for an illustration to see how much longer your policy will stay in effect while staying on that same path . You also must consider how much you are willing to pay to make it last longer . You can also get an illustration asking how much more premium you would need to pay to make it last `` x '' number of years . Generally speaking , if you need the policy for many more years , and if you are able to qualify for a new policy , it may be in your best interest to take the cash value that you have and apply it toward a new Universal Life with a no lapse guarantee . If you do n't need the policy for many more years , it may be best to keep it . Contact a respected agent to help you see your options and make a sound decision about whether or not to drop your universal life policy .


Input: Does Home Insurance Cover Plumbing?

Output: If the damage is the result of neglect there isnt any coverage . If the damage is caused by a backup of water through the sewer system , damage is excluded unless that coverage is purchased as an option . If the cause is freezing the policy will cover not damages ifthe property is unoccupied . Claims involving continuous and repeated seepage or leakage are also excluded by the policy . Damage caused by freezing is also excluded .


Input: Does Home Insurance Cover Plumbing?

Output: Water damage that is caused by a sudden failure of the system such as occurs if pipes freeze or if the material or a joint fails , will generally be covered . Things that can be considered a failure to perform routine maintenance , however , may not be so be sure to check with your Insurance Professional .


Input: Will Medicare Pay For An Eye Exam?

Output: This is a good question . Medicare typically does not cover routine eye exams unless there is an issue such as cataracts . Keep in mind that Medicare advantage plans , Part C normally will provide you with vision coverage and stand alone dental/vision plans are available in some states .


Input: What Is Health Insurance Gap?

Output: Gap Insurance is a product that was introduced a few years ago to offset a raise in deductible . Many employers have introduced this product , as health insurance has become unaffordable . So how this product works is the employer would raise the major medical deductible from $ 2500 to $ 5000 . There would be a second policy -LRB- Gap Insurance -RRB- that would offset the increase in deductible . Anything that is covered by the major medical plan and was applied to the deductible would be covered by the gap plan .