Input: Does Home Insurance Cover Locksmith?

Output: If you lost your keys , you 're probably out of luck since most insurers do n't pay for replacement keys in that situation . However , if your locks were damaged during a theft or break-in , or the keys were stolen , many homeowner 's policies will pay for their replacement . It 's possible a deductible may not apply since it clearly is in your and the insurance company 's best interest to replace your locks . An experienced broker will shed additional light and information on this topic .


Input: What exactly is flexible premium survivorship adjustable life insurance?

Output: This is more commonly known as a survivorship universal life -LRB- SUL -RRB- insurance policy - it 's different from an individual universal life insurance policy in that the policy insures the lives of two people -LRB- usually a husband and wife -RRB- . The policy proceeds are only paid out upon the death of the second insured . Many people use this type of policy for estate planning purposes . If your mother can not continue to make premium payments or does not want to , she can surrender the policy and take out the cash value -LRB- less any surrender charges , outstanding loans , or interest , if applicable -RRB- . There is also the option to let it run out on it 's own . When you no longer contribute premiums to the policy , it will steadily use up the cash value in the policy to continue the coverage until there is nothing left , at which the point the policy would `` crash '' on it 's own and no longer provide coverage . The third option is to change the structure of the policy . You may have the option to reduce the face amount of the policy -LRB- the death benefit -RRB- or reduce the length of coverage to lower the premiums to make the policy more affordable if cost is a concern . I would suggest your mother contact the agent on the policy and ask them to run midstreams to find out what the current values are on the policy , how long the coverage will go for on the guaranteed side and current assumption side of the program and what changes would it make to the policy given the above options . This will provide a good indication as to what course of action would be most appropriate . Guaranteed side means how long will the coverage be guaranteed for at the absolute minimum with a given program structure . Current assumption side means how long will the coverage go for given today 's values .


Input: What exactly is flexible premium survivorship adjustable life insurance?

Output: In addition to Jason 's excellent advice to meet with the selling agent to find out the detailed workings of the policy , another option is for your mother 's children to continue to pay the premiums assuming that they are listed as the beneficiaries . The policy might be an excellent buy and worth keeping until your mother passes . And if you ca n't afford to keep all of that policy in-force , reducing coverage or selling part of the policy to an investor for cash -LRB- called `` life settlement '' -RRB- is also a viable option worth looking into . Survivorship policies that are designed to pay only after the 2nd spouse has passed are usually sold in high amounts and thus are very expensive . You should definitely educate yourself on what your mother owns and come to know every option open to your family before letting that policy lapse .


Input: Where Do Annuities Invest?

Output: Life insurance companies primarily purchase investment grade government bonds , i.e. class I and II . Some companies use indices as their crediting method using indexed options . Other companies use separate sub account crediting methods linked to equity and bond instruments that are not part of the company 's general account .


Input: What Do I Need To Know About Buying Life Insurance?

Output: Some things to know about life insurance are : 1 -RRB- Life insurance prices depend on many factors . Even the amount you can get is dependent on your income and assets . It really helps to have a great agent to help you sort out the options . As someone who has sold thousands of policies over the last decade , I do n't know how people wade through all this information without help . Or why they would want to . 2 -RRB- It is important to look at guarantees . In this economy , my advice would be , wherever you can get a guarantee , take it . 3 -RRB- You have to keep an open mind . If you go in thinking you want a certain type of policy at a certain price , you may find that you do n't even qualify for that type of policy . Your beneficiaries may end up with nothing if you do n't keep an open mind . 4 -RRB- Life insurance pays . Life insurance companies are very secure and nearly all life insurance policies pay the death benefit . 5 -RRB- If you ca n't afford it , you wo n't keep it . If you wo n't keep it , your life insurance wo n't help anyone . So buy affordable life insurance that fits your budget .


Input: How Much Life Insurance Does A Single Person Need?

Output: Great question ! The answer depends on a number of factors . Does the single person have dependents ? What is the goal for the life insurance ? That may sound like a silly question , but Life Insurance can be a whole lot more than insurance against dying too soon . Whole Life insurance can provide a good source of tax-free retirement income . It can be used for college funding . It can be used as a personal bank / credit union where you can use tax-free money at very low interest to buy things . Talk with a knowledgeable Insurance Adviser who can help you determine the amount of insurance you need .


Input: How Much Life Insurance Does A Single Person Need?

Output: The need for life insurance is as unique as the person purchasing the life insurance . There are several life insurance calculators online to assist you . However , the basic rule of thumb is to carry enough life insurance to pay off all of your debt for your loved ones plus ten times your income so they can invest the proceeds and replace your income .


Input: How Much Life Insurance Does A Single Person Need?

Output: In order to determine how much life insurance coverage to get , single persons should start by thinking about what others would need to pay off for them . Life insurance is a fast and easy way to settle bills , and it is especially helpful for survivors to have these ready funds when there is not a spouse to take care of the estate . The bills might be credit card debt , a school loan , utilities until the home is sold , etc. . Next , how much do you want to leave for your funeral or memorial service ? You can pick out cemetery plot , casket , urn , and so many things ahead of time , then have life insurance to pay for it all . What is remaining after expenses can go to the beneficiary ; you do n't have to leave it all to the funeral home . Finally , do you want to leave any funds to special people in your life or to a charity ? Life insurance is a good way to make a small amount of money stretch into a big gift . You may have other things this prompted you to think of , that could be covered by a life insurance policy . But these three - debts , final expenses and gifts - are the main ones that I can see being well served by having a life insurance policy as a single person .


Input: Why Does Life Insurance Have Cash Value?

Output: Permanent life insurance has the potential to accumulate cash values based on the performance of the crediting method and policy expenses . With few exceptions , most permanent guaranteed universal life insurance can be used as a supplemental retirement income plan ; if the policy is designed to minimize the cost of insurance ad comply with TAMRA . Generally , the policy expenses are deducted from the premium . Whatever is left of the premium is invested in the crediting method : interest rates or indices . Separate sub account performance may credit earnings or debit losses .


Input: Why Does Life Insurance Have Cash Value?

Output: David has given you a fine explanation of the mechanics of cash accumulation inside life insurance . I will address an additional point . One big reason for why life insurance has cash value is because that cash makes more people want to buy the product . When you think about it , life insurance really is not for the insured - it is for the beneficiaries of the insured . These include their families , their businesses , and their favorite charities . For many people , it is considered a necessary evil . They certainly want to do right by all these folks they support , but really - who wants to buy something that pays off when you die ? I think that from a marketing point of view , cash value sweetens the pot . It makes the product much more appealing . Now people can have their cake and eat it too . They can purchase a policy with a survivor benefit for their heirs . That policy can also have a cash account that is available to them while they are alive . They can use the money to supplement retirement ; buy a house ; fund a business ; and for emergencies Not only that : the cash receives very favorable tax treatment . You might ask , why does the government give such favorable tax treatment to life insurance ? One big reason is that there is no way on earth that federal and state governments could take care of all the people that benefit from life insurance . It simply could not collect enough money to pay all the windows , widowers , children , businesses , and charities for whom people buy policies . It is entirely in the governments interest for people to buy tons and tons of life insurance . And over time , people have . The life insurance industry has poured trillions of dollars into the economy so that people can remain self-reliant - and off of government subsidies . The side benefit of a cash account helps make that happen .


Input: What Is Sewer Backup Coverage On Homeowners Insurance?

Output: Sewer Backup Coverage is an essential coverage on Homeowners Insurance policies . On standard Homeowners Insurance policies , the coverage usually can be purchased as an optional endorsement ; in many cases , the carriers will offer $ 5,000 or $ 10,000 per incident for a premium of $ 20 - $ 75 per year . On High Value Homeowners policies , the coverage may be included in the policy form and in some cases offer coverage at the same limit as other perils covered under Coverage A - Dwelling . Sewer/Drain backup coverage will provide coverage should your drains become blocked and the water backs up causing water damage to your home . It is always important for a homeowner to check the drains annually and make sure that the water runs quickly through the drainage system without any obstacles ; there are liquids available for purchase at hardware stores that advertisethe clearing of drains but it may be more prudent to contact a plumbing professional for the best advice ! You may contact your insurance carrier to add this valuable coverage to your current policy or you may obtain a quote with the coverage included . For quotes in Arizona , California & Nevada , you may follow the link : WEBSITELINK


Input: What Insurance Companies Offer Short Term Disability Insurance?

Output: The insurance companies that offer individual short term disability policies are Mutual of Omaha and Assurity Life , according to a Disability Insurance broker that we use for our DI requests . There are many more companies that offer individual long term disability policies than there are that offer short term disability .


Input: When Is It Too Late To Get Long Term Care Insurance?

Output: Its too late to get long term care insurance once you 've registered in a nursing home care facility . Its too late to get long term care insurance once you 've had a major medical event that has health or lifestyle impact that causes you to be uninsurable . Its too late to get long term care insurance past a certain age because the cost is prohibitive .


Input: When Is It Too Late To Get Long Term Care Insurance?

Output: Some long term care insurance carriers will issue policies to individuals almost without regard to age ... as long as you are healthy enough to qualify with medical underwriting . Carriers will evaluate your current physical and mental health as well as your family history in determining if you meet their criteria for issuing a policy .


Input: How Are Fixed Annuities Taxed?

Output: Non-qualified tax deferred annuity distributions are taxed as ordinary income at the annuity owners effective tax bracket rate . The annuity basis , or original contributions are distributed tax free .


Input: Which States Have The Lowest Auto Insurance?

Output: On average the lowest premiums are found in New Hampshire , Ohio , North Carolina , Iowa and Maine . The average annual premium is right around $ 1000 . Of course rates are going to vary depending on the characteristics of the individual driver and the vehicle which is being insured . The most expensive state is Louisiana with average rates around $ 2600 .


Input: How Much Is Car Insurance For New Drivers In Arizona?

Output: Great Question . A new driver in Arizona can expect to pay around $ 60 - $ 200 a month depends on factors . Type of car the age of the new driver If they are a student for not the are they live in if they are single or married and finally the type of coverage they required or need .


Input: Will Medicare Pay For A Quad Cane?

Output: Yes , Medicare will pay for a quad cane if it is prescribed by a doctor as medically necessary for support in walking . An exception might be if you were using a walker and went `` backwards '' to using a cane . Medicare will not pay for a downgrade like that , but would pay for an upgrade -LRB- e.g. single point cane upgrade to quad cane -RRB- .


Input: Can You Get Insurance On A Car You Don't Own?

Output: The short answer is yes . Insurance typically follows the person not the vehicle . There are many situations in which you may have access to a vehicle that you do not own . You still need to protect yourself financially by have insurance coverage when you drive the vehicle . Contact your local agent to find out about coverages and costs for the policies available within your geographic area .


Input: How Much Life Insurance Should My Husband Have?

Output: You know , there really is a right way to answer this question . I think the right way is to do whats best for you as the beneficiary . Life insurance is , after all , a care package from the insured to his loved one . It is a way of saying , I love you , and I take care of you now . Im going to make sure that an insurance company takes care of you later . This means that the golden rule is this : the quality of life you have now , is the quality of life you should have if you suffer the tragic loss of your spouse . If you are not making do with less now , you should not have to make do with less later . The money you need to pay your monthly bills now , is the amount of money you should have to pay your monthly bills later . The larger question is : for how long do you need this benefit to last ? For how long do you want to live off the insurance money ? There are a number of factors involved in that decision . First , and most important , is buying yourself the time needed to grieve and move on . Think about it . You have dedicated yourself to a life with someone . Now he is not there . And will not return . How long will it tell you to get back on your own two feet and renew your life ? Two years ? Five years ? Longer ? Then , what about your kids ? Theyve already lost one of their parents . Forever . They will need you more than ever . They will need you to spend as much time with them as possible . Can you afford to do this ? Life insurance can make sure the answer is yes .


Input: How Much Life Insurance Should My Husband Have?

Output: Your husband should have enough coverage to provide security for yourself and any other family members . Of course , you must take into account his health at the time you buy coverage , other policies -LRB- and are they term or permanent -RRB- and your budget . It is best to meet with a full-time broker or full-time financial planner to discuss specifics and the direction you should take . Simple mathematical formulas are not the answer .


Input: What Would Happen If There Was No Medicare?

Output: That 's a great question ! Also not one easily answered ... On one hand if there were no programs , we 'd have a significantly smaller Government budget , and a whole lot less debt and worry about that future debt . There would be a more open market for health services , and a greater dependency upon the honesty of the provider when they tell you they love you more than their profits . The other side of the story ? As there are approximately 10,000 people turning 65 everyday , most with little or no retirement plans other than social security -LRB- which puts them well below poverty level in most cases -RRB- and no provision for protection from the increasing costs of long term care , we would probably find that the mortality rate among the +65 set would dramatically rise , and life expectancy lower , as a result of them not being able to afford the medical services that would be otherwise available . What makes your question really interesting is its natural follow up - `` what do we do to fix the system so the most people can benefit ? '' That 's the real question ! Thanks for asking !


Input: What Would Happen If There Was No Medicare?

Output: If Medicare did n't exist , health insurance care for seniors would be covered in the same marketplace as the under 65 persons - in short , the private sector . However , the premiums would be substantially higher than what they pay today for Original Medicare and any supplemental coverage programs , including prescriptions -LRB- a big expense -RRB- . During your working life , you 're paying FICA taxes - after you 've hit the 40 quarters mark -LRB- 10 working years -RRB- , your Part A coverage is premium-free . If you had to pay for it out of pocket , it would be $ 426 per month -LRB- in 2014 -RRB- . Your Part B coverage requires a premium -LRB- $ 104.90 per month in 2014 -RRB- and you would pay a premium for any supplemental coverage - supplement plans are provided by private insurance companies . The idea of paying taxes all these years for it is so that you 're slowly paying for it in advance so you 're not hit with a massive premium bill in the future that you may not have prepared for . In summary , a senior citizen could end up paying somewhere in the neighborhood of $ 800 + per month per person with everything factored in -LRB- probably higher -RRB- if Medicare did n't exist . As a current or future recipient of Medicare , I bet you 're glad it exists . In the future , however , programs and benefits may have to make changes given the baby boomer generation hitting the retirement ages and going on Medicare - the baby boomer is the largest generation and can create a situation where the funds going out to pay for Medicare are larger than the funds coming in through taxes . Only time will tell on this aspect though . If you have any questions about Medicare supplemental plans , send me a message by clicking on the `` contact me '' button or call me at 703-665-9133 .


Input: What Would Happen If There Was No Medicare?

Output: In an attempt to fairly answer a hypothetical question ... if there were no Medicare I believe we would be forced back to a private , capitalist healthcare system where Americans are n't required to have coverage subject to a penalty and the society -LRB- young & old -RRB- would have to get their own coverage . The downside is that Baby Boomers are maturing at such a rapid-pace , insurance companies could possible gouge the insured in the form of premiums out of greed . The upside is it would release an enormous -LRB- and almost unsustainable -RRB- financial burden on the American economy and government . The budget for Medicare alone in 2013 was ~ $ 585 bil . For more information on Medicare -LRB- or lack there-of -RRB- visit www.clminure.com or call 561-320-2978


Input: How Much Does Life Insurance Cost?

Output: Video Transcript : Today 's question is , `` How much does life insurance cost ? '' Well , it depends on your gender , your age , your smoking habits , your medical background , your history . It also depends on the exam results that you 'll take when you go and apply for insurance . It also may depend on your vocation . Do you have hazards in your vocation ? And it also depends on , do you have recreational issues , like , are you a rock climber or a scuba diver ? It matters because those are higher risks . When you also ask about what does it cost , is it going to be temporary insurance , 5 , 10 , 15 , 20 years ? Or is it going to be permanent insurance going all the way out to age 100 , maybe even farther ? When you look at all these factors and accumulate them , they 'll come up with a number that will tell you , here is your price tag .


Input: What Is A Target Premium On A Universal Life Insurance Policy?

Output: When you buy universal life insurance , you have the choice to put in a higher premium than is required for your policy to last to a certain age . If you add more premium , your cash value may build more quickly , or your universal life policy may last more years . The target premium is usually the required premium for the policy to last a set number of years .


Input: What Is A Target Premium On A Universal Life Insurance Policy?

Output: The target premium of a life insurance policy is the portion of the premium that is the reference point for compensation and could also be the premium to endow , to mature and sometime might relate to the guideline annual premium . The target premium is used in a variety of applications .


Input: What Is A Target Premium On A Universal Life Insurance Policy?

Output: What is a target premium on a universal life insurance ? The target premium is the premium that will keep the policy in force to a given age at what is usually the current crediting rate . In other words if thing go unchanged of the life of the policy the target premium should hit the targeted goal duration wise .


Input: What Is A Money Purchase Retirement Plan?

Output: A money purchase plan is a form of qualified retirement plan that requires the employer to make contributions to the plan on an employees behalf . This required contribution is generally determined as a percentage of employee annual income and is the same for all eligible employees -LRB- i.e. employees that are part of the plan -RRB- . The alternative to this is a profit sharing plan , where funds can be distributed to a plan -LRB- if profits exist -RRB- and are distributed among employees . This contribution is not , however , required and can be done with more discretion based on employer business results .


Input: What Is The Purpose Of Life Insurance?

Output: The original purpose of Life Insurance - the reason it was created is to transfer the risk of a person dying too soon from that person and their loved ones to the insurance company . Generally if a person dies while still having debt or not having enough money to care for their heirs , that person has `` died too soon '' . In a lot of people 's opinions dying at any time is too soon ! But that 's a philosophical consideration . Over time Permanent Life Insurance has come to play an important part in the financial well-being of insureds while living . Term insurance on the other hand remains solely for the purpose of insuring against a person dying too soon . Peggy listed a number of uses for Permanent Life Insurance , and I would add that the cash value of whole life insurance is a terrific asset for use in personal banking applications . For more information see WEBSITELINK


Input: What Is The Purpose Of Life Insurance?

Output: This is an age old question . The purpose is the need you are needing to fill . Remember the death benefit is a tax-free benefit which provides the financial resources to provide for many needs . From the simple , protecting your family from lost income , preserving your way of life to protecting a company from the loss of a business owner or key employee . Peggy and Dave list out great reasons defining the purpose of Life Insurance .


Input: What Is The Purpose Of Life Insurance?

Output: Life insurance demonstrates that you love someone else . If your death is going to have an impact on someone you love , then life insurance can help -LRB- perhaps a great deal . -RRB- Sometimes life insurance is required to protect the interest of a lender or a contract holder -LRB- who you might not love . -RRB- In the end , though , most life insurance is purchased because people love each someone else .


Input: What Is The Purpose Of Life Insurance?

Output: If you fill out a life insurance application , it will ask that very question : `` What is the purpose for your life insurance policy ? '' That is because the purpose varies from person to person . Some purposes for which people buy life insurance are : 1 -RRB- To replace their income that would be lost upon their death . 2 -RRB- To hire others to replace their contributions to the family that would be lost upon their death -LRB- daycare , transportation , cleaning services , lawn services , etc -RRB- 3 -RRB- To give a business time and resources to replace an employee when a key employee dies . 4 -RRB- To pass their estate to their heirs in a tax friendly fashion . 5 -RRB- To pay taxes , administrative fees , and debts upon their death . 6 -RRB- To pay for chronic , critical or terminal illness expenses -LRB- when the policy has living benefits -RRB- 7 -RRB- To pay off mortgage , school loans , business loans , and other debts . 8 -RRB- To pay for all final expenses , including funeral , memorial service , burial , transportation , etc. 9 -RRB- To leave a gift to charity . 10 -RRB- To provide cash value for retirement .


Input: What Factors Affect Life Insurance Premiums?

Output: Life insurance premiums are affected by : age , gender , health class , amount of insurance , length of coverage , and riders . Health class is usually subdivided into smoker or nonsmoker and rating such as preferred plus , preferred , standard plus , and standard . Substandard is table 1 - 10 with 10 being the worse . The rating/health class is determined by build , family history and motor vehicle report . It is important to review your situation with a knowledgeable agent to make sure you apply with the best company for your unique circumstances .


Input: What Factors Affect Life Insurance Premiums?

Output: Some factors that can affect life insurance premiums are your health , age , tobacco , weight , family health history , foreign travel to unsafe countries , dangerous hobbies , substance abuse , serious and/or numerous driving violations , felony , and results of exam -LRB- if exam is required -RRB- . With most of these factors , not just your current situation is considered , but they also look back some years . Having any of these risk factors does not necessarily mean your rate will be affected . Using an agent who carries multiple companies can help place you with the policy that has the best rates your unique profile .


Input: What Factors Affect Life Insurance Premiums?

Output: The basic rate reflects your life expectancy . That rate describes a standard risk . Underwriters can modify the rate to reflect superior life expectancy down to inferior life expectancy . The next major consideration is how long the protection is going to last . The third consideration is how long are premiums to be paid .


Input: What Is A Key Employee For 401K?

Output: A key employee for a 401k generally refers to top heavy rules for a defined benefit plan . If greater than 60 % of the present value of the cumulative accrued benefits of plan assets come from `` key employees '' , the plan is considered to be top heavy . A key employee is an employee that at any time during the year was 1 -RRB- someone who owned more than 5 % , 2 -RRB- a more than 1 % owner who was paid $ 150,000 or more or 3 -RRB- an officer that was compensated at more than $ 170,000 for 2014 . The IRS has a long list of guidelines -LRB- IRS 4.72.5 -RRB- for top-heavy plans and it is best to consult with someone who specializes in this area .


Input: Is Pre Existing Condition Covered By The Health Insurance?

Output: Your pre-existing condition is not necessarily covered by you insurance plan . Although applicants can no longer be denied due to their medical history , many plans still have exclusions and limitations written into the policy . It 's vital to read through the summary of benefits and Coverage prior to enrolling in a policy to make sure it protects you and your conditions . Please click the `` Contact Me '' button on the left or run a personalized quote at : WEBSITELINK Also , feel free to call me anytime at : 561-320-2978


Input: Is Pre Existing Condition Covered By The Health Insurance?

Output: Under the affordable care act , a health insurance company can not deny you coverage for any pre-existing medical condition or other related illness . So , in short , you can apply for any health insurance plan during the annual enrollment period or outside of it if you have a qualifying event -LRB- e.g. getting married , having a baby , coming off of group coverage , etc. -RRB- for a special enrollment period . How a plan covers your course -LRB- s -RRB- of treatment and prescriptions will vary . You should consult with an experienced health insurance broker and review your existing coverage to determine if there is a more suitable program for your specific needs . 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: Is Pre Existing Condition Covered By The Health Insurance?

Output: That is a great question ! One of the best things about the Affordable Care Act -LRB- Obamacare -RRB- is that it banned health insurers from using the pre-existing condition exclusion any longer . It also removed the life time cap on payments that insurers had applied . While you can no longer be denied coverage , it is wise to shop your policy options , as not all policies will provide the same coverage and treatment plans . Once you have discussed with your care providers what to look for in your health plan , I recommend that next enrollment period you head to the healthcare.gov website , and shop for your policy there . Another great perk of the ACA is the subsidies that many people qualify for . Good luck , and thanks for asking !


Input: What Is Variable Term Life Insurance?

Output: Variable term life insurance ? Never heard of that ! You may be thinking of a variable ` premium ' or `` flexible premium '' life insurance . . ? As Peggy mentioned above , variable products have cash value and term policies do not . The `` variable '' component in those products is the amount of interest earned , because they are tied to investments in the stock market . A flexible premium life insurance would be a Universal Life policy , which is actually similar to a term policy where the cost of insurance goes up and once that exceeds what is being paid in premiums the sach value is consumed until there is no more insurance . There is such a thing as `` indexed '' universal Life , which is tied to a stock index and therefore the interest paid into the cash value will vary depending on the performance of the index .


Input: What Is Variable Term Life Insurance?

Output: There is no such thing as variable term life insurance . Variable life insurance has a cash value component , which Term does not . Variable life insurance can use the stock market to grow -LRB- or lose -RRB- cash value . Since Term Life Insurance does not have a cash value , the word variable can not apply to it , at least in the traditional sense .


Input: Do You Need Health Insurance To Get An Abortion?

Output: This is an interesting question . There are so many often bitterly expressed opinions on whether there should even be abortions . The answer to your question is no , you do n't need it ; in fact , you 'd be hard pressed these days to find an insurer who would cover it . I know that if you are in a position to consider having one , that there is a lot of emotional stress and turmoil for you to bear . Please speak with your pastor , priest , counselor , the other parent , someone that you trust and really think through your options before acting . Your choice will affect more lives than just your own , and will for the rest of your lives . If I can help in any way , please feel free to contact me . Good luck , and thanks for asking .


Input: How Much Is Health Insurance In Retirement?

Output: Depends when you retire really because being in retirement has nothing to do with the prices . You 'd likely be looking at an individual health plan if you 're under age 65 so it will depend on your age , zip code , what health plan benefits you want , etc. . The premiums can be a as little as a couple hundred dollars per month or well over 500 per month . If you 're over 65 , you 're likely looking at Medicare coverage if you do n't qualify for any retiree programs from an employer . On Medicare , you 're looking at a couple of different options . If you want more comprehensive type coverage , you would want to buy a Medicare Supplement plan -LRB- also known as a Medigap plan -RRB- and pair it with a Part D prescription drug plan -LRB- if you want drug coverage -RRB- . If you want a Medicare type program that works similar to under age 65 individual health insurance works , then you may want to consider a Medicare Advantage plan . Medigap plans are standardized and do n't have annual enrollment periods to follow - Part D plans and Medicare Advantage plans do . The premiums for a Medigap plan depends on which one you want to get -LRB- there are 11 to choose from -RRB- , your age , zip code , and if you smoke or not . Medicare Advantage and Part D plans that are available depend on your zip code . You should consult with an independent insurance agent or broker who can discuss your specific insurance needs and preferences to determine which is the most suitable coverage for you . I hope the information is helpful - please feel free to contact me for help with your coverage or if you have any other questions . Thanks very much .


Input: What Is A Good Life Insurance Policy?

Output: First of all , it is one you can afford . One you will continue to pay and not allow to lapse . Any insurance is better than no insurance , so get something and get it now . The younger you are , the less it will cost . If you can get a permanent policy , that will lock in your price for the rest of your life , regardless of your health in the future . If you can not afford whole life now , then at least get term coverage right away . The better the reputation of the company the more reliable they are likely to be . Go with an old , large company . They are likely to still be around and offer you the variety you want at a fair price . Think about all your financial needs and your family 's . Then try to get a face value to protect all of that if you can afford it . Again , remember , something is better than nothing . Gary Lane 949 797 2424 . New York Life Agent .


Input: What Is A Good Life Insurance Policy?

Output: A good life insurance policy is one that : > is with a reputable company -LRB- rated A or better by AM Best -RRB- , > has good guarantees -LRB- e.g. if term insurance , the premium is guaranteed not to go up for the entire term -RRB- , > is with an agency that provides good service -LRB- you have to ask about this ; sometimes it is easier to get a hold of online agents than local offices -RRB- , > fits your budget -LRB- you do n't want to have to drop your policy a year later because you ca n't afford it -RRB- , and > covers your needs -LRB- you do n't want to take out $ 10,000 in Whole Life if you want the life insurance to protect your mortgage -RRB- . That last point covers a lot of area , as there are different types of policies to fit many different purposes for life insurance . The best way to get a good life insurance policy is to contact a good life insurance agent who will guide you through the options and help you find the beset for your situation .


Input: Does Renters Insurance Cover Broken Car Window?

Output: An act of vandelism that occurs to a vehicle may be covered by the auto insurance policy that is held on the vehicle that was damaged if the policy includes comprehensive coverage less the deductible on the policy . Renters insurance is very much like homeowners insurance and will normally provide coverage for the insured personal property on the premise as its main function . Please read your policy completely to understand the coverage provided and any exclusions that it may contain .


Input: Why Did Employer Sponsored Health Insurance Began?

Output: That 's a great question ! There are two good reasons for an employer to offer coverage . The first reason for an employer to offer benefits was/is to draw an employee that may choose another employer . For example , if there are two widget factories in town , both paying the same wages , I can sweeten the deal for you by saying `` I 'll pay you the same as them , AND I 'll give you benefits ! '' Who would you choose ? Benefits are a way for the employer to entice and retain employees . The other reason is that if you have insurance , you can afford to go to the doctor and be treated . without the coverage , you miss work , or are forced to quit , impacting the companies profits by increasing turnover , training costs , and lost productivity.The employer also pays a portion of what the total cost of the coverage would have been , if you 'd have had to pay for it yourself . Hope that answers your question !


Input: What To Look For In A Renters Insurance Policy?

Output: A renters policy is a package that usually contains personal property coverage and liability coverage . The most important thing to look for is the agent . Make sure the agent is someone that you trust . Make sure the agent provides all the information that you provide to the insurance company and that the policy is exactly what you ordered . Another important thing is limits . If the limits arent high enough to cover the potential loss , you might be very dissatisfied at the time of a claim . Dont skimp . Make sure you get enough coverage , particularly for liability .


Input: Does Dave Ramsey Recommend Disability Insurance?

Output: Yes , Dave Ramsey does recommend Disability Insurance . In fact he considers Long Term Disability Insurance a necessity for most full time workers . He recommends buying it through your work place if that is available . If not offered there , he says to try an association , and then buy privately if unable to get through an association . But buy it .


Input: Does Dave Ramsey Recommend Disability Insurance?

Output: Here is a commentary by Dave Ramsey about Disability Insurance from his website : WEBSITELINK That was from April of 2011 and I did not find anything newer , so you may need to contact him directly to get a current opinion .


Input: How To Deal With Auto Insurance Claim Adjusters?

Output: Although more information is needed to adequately address this very general question , a few points can be made . I am going to make the assumption that you are talking about physical damage to your vehicle , with no injury . If you are asking about dealing with the person who will physically inspect your vehicle , they or someone on their behalf should first contact you , to set up an inspection at your convenience . This is really an ` appraiser ' of the damages although they may also possess claim settlement authority to settle your claim on-site , in certain non-injury situations . If you are talking about a typical inside claim adjuster , expect a call from them , asking you to provide the details of the accident . After assessing the facts , the adjuster 's job is to make you whole for your loss , depending upon the liability circumstances involved . In both instances , you should expect to be treated with respect whether you are the policyholder or the person whose vehicle was damaged by another party . If you are not pleased with the process , tell the appraiser or adjuster so and then ask to speak to their superior . Hope this helps somewhat but a lot more information is needed to really help you .


Input: Does Homeowners Insurance Cover A Toilet Overflow?

Output: I would have to say that in most cases it would not . Depending on the circumstances that caused the overflow in first place will be a big part of the decision of whether or not a loss like this is covered . Remember every policy is different . Please read your policy completely to understand the coverage provided and any exclusions that there may be or contact your local agent to have them go over the policy with you .


Input: Does Homeowners Insurance Cover A Toilet Overflow?

Output: While not intending to disagree with a colleague , it would be my opinion most homeowners insurance policies should cover a toilet overflow . The most common homeowners policy -LRB- HO-3 or its equivalent -RRB- should cover any accidental direct damage to the dwelling unless there is a specific exclusion or limitation . The accidental escape of water from a plumbing system is a fairly common `` covered '' peril . Granted if a sewer back up originates in a public sewer system or the damage is not sudden , you may have a coverage problem but a simple accidental overflow should not be excluded and therefore `` covered '' . However , I might not consider filing a claim unless the damage is significant.Insurers are quick to increase premiums or non-renew policies following claim activity .


Input: Can I Get Health Insurance If I Am Obese?

Output: Under the Affordable Care Act -LRB- ACA -RRB- anyone that applies for health insurance will be accepted regardless of medical conditions . Being obese is no longer an issue in purchasing health insurance . You can purchase health insurance during the annual open enrollment period that begins around November 1st for January 1 , 2015 effective dates .


Input: How Much Does Health Insurance Cost In Switzerland?

Output: Swiss resident are required to carrier health insurance , within three months of first moving to the country . Each resident pays an insurance premium for basic coverage that is equal to up to 8 % of their personal income . If the actual cost of coverage is higher , the Swiss government provides the insurance person a cash subsidy to pay any additional premium .


Input: Is Long Term Care Insurance Considered Income?

Output: Assuming that the phrase income is benefit payments from a long term care insurance -LRB- LTCi -RRB- policy or from a hybrid annuity-long term care insurance rider policy , the answer should be no . There is a question on hybrid life insurance , but generally payouts on the LTCi claim are not characterized as income .


Input: Does Pregnancy Affect Life Insurance Rates?

Output: Pregnancy can affect life insurance rates due to the applicant 's weight or if there are some complications such as gestational diabetes . If in the third trimester or if there are serious complications , the policy will usually be postponed until after the baby is born . Not all companies will issue a policy during pregnancy , but aside from those things , pregnancy does not affect rates with some companies .


Input: What Does A Life Insurance Examiner Do?

Output: Life insurance examiners -LRB- also called `` paramed '' examiners -RRB- conduct life insurance exams for paramedical companies , either as employees or independent contractors . Since many life insurance exams are done in the Insured person 's home , examiners must have transportation and a means of contacting the applicant to be sure the the appointment is set up and kept . Paramed examiners gather the health history from the applicant , perform phlebotomies , collect urine specimens , take vitals , administer EKG 's , and compile it all into a legible report to submit to the life insurance company in a timely manner . They must be courteous , confidential , reliable , and professional in manner .


Input: What Is Permanent Disability Insurance?

Output: Permanent Disability Insurance could be Long Term Disability Insurance that is set up with a benefit to age 65 . Therefore , if a permanent disability is suffered , the policy will pay the benefit until retirement age . In Australia , Total and Permanent Disability -LRB- TPD -RRB- insurance is a policy that would pay a lump sum if the insured person suffered total and permanent disability .


Input: Is My Bike Covered Under Renters Insurance?

Output: Your bicycle is normally classified as personal property and covered under your renters policy . This would be particularly true if it is stolen from inside your residence . However , 10 % of the limit of your policy extends to your personal property when it is not in your residence , for example in a bike rack in front of Starbucks . The settlement for such a loss is , however , subject to a deductible . If your bicycle is very expensive this could be a valuable coverage , if it is like mine , you might not recover very much .


Input: Can You Buy Out Of State Health Insurance?

Output: No . Major medical insurance is controlled at the state level . For this reason you must purchase major medical insurance from an insurance carrier approved in your state of residence . With the most recent stage of implementation of the Affordable Care Act on January 1 , 2014 this has often resulted in stark contrasts in the cost of individual and small group health insurance depending upon which side of the state line a person or business is domiciled . As an agent in Memphis , Tennessee I can assure you that there are lots of people in Arkansas and Mississippi who wish they could purchase individual health insurance in Tennessee . The cost differences -LRB- which always varied from state to state -RRB- are now substantially different and higher for the residents of Arkansas and Mississippi . That 's not to say health insurance costs are n't higher in Tennessee in 2014 but they did go up far less than in surrounding states . You may have been confused by some politicians talking about allowing the purchase of health insurance policies across state lines . However , this is not how the Affordable Care Act is currently structured . While this idea sounds great on the face of it , it is neither practical nor a real solution for the cost problems individuals and small businesses are being presented with . All health care is local and just as the cost of living and real estate prices are vastly different from New York City to Omaha , Nebraska , the same is true of health care and the health insurance plans tied to it in a given geographic area .


Input: Can You Buy Out Of State Health Insurance?

Output: Long term major medical policies will not be issued anywhere other than your primary physical residence . If you need health insurance outside of your state you would need to purchase a short term major medical . Unfortunately , these plans do not cover wellness , pre-existing conditions and only last for up to 12 months . A better route to go would be a long term major medical with a national PPO network allowing you access to the benefits across the country . For more information on out-of-state major medical plans visit www.clminsure.com or call 561-320-2978


Input: Is It Worth Buying Critical Illness Insurance?

Output: The key to a critical illness plan is to get a good one . Sadly , most agents and even fewer consumers know the difference in a good critical illness policy and a poor one . Never buy on price alone , and shop around . This is one area where paying a little more is worth it . Make sure the policy is health insurance , not life insurance with a rider .


Input: Does Renters Insurance Cover Forest Fires?

Output: If you mean your renting a property and a forest fire comes and burns down your residence thereby destroying your property then yes , you are covered . Of course this is providing you purchased personal property coverage on your renters policy . Also note there may be limitations on certain items so you want to talk to your agent and review your coverage needs . Keep in mind , the landlord is responsible for their own property and should have coverage for the dwelling of their own .


Input: Does Renters Insurance Cover Forest Fires?

Output: A renters policy will cover the loss of personal property which results from a named peril . Fire is a peril covered by almost every renters policy . When applying for coverage it is smart to take pictures of all your property and then determine how much it would cost to replace it . After the policy is issued store the pictures somewhere they can be retrieved in case you experience a loss .


Input: How Important Is Homeowners Insurance?

Output: That 's a great question ! Let 's answer it this way : How would you be financially if you purchase your home , take out a big mortgage to pay for it , buy new furniture and appliances to fill the house , get all of your belongings in it , and then it catches fire and is gone ? Would you be able to start from scratch and repay the mortgage ? Or how about if a visitor fell down some steps in your home , and had to be hospitalized . Would you be able to pay the bills and possible law suit damages that you are liable for ? These are two really good reasons why homeowners is important , and most lenders will not sign off on your mortgage unless their investment is protected somehow . I hope that helps you decide to insure your home . Thank you for asking !


Input: What Is Usually Covered In Renters Insurance?

Output: Typically your personal property is covered by a renters insurance policy up to the policy limits and less your deductible . Liability coverage is also provided to help provide coveragefor accidents on your rented premise that you are deemed responsible for . There are many , many coverages offered by a renters policy . Contact a local agent to allow them to provide you with informationthe coverages and pricing with your area .


Input: Will Homeowners Insurance Cover Mold?

Output: Great question ! After the great media `` black mold '' scare a few years back -LRB- yes , black mold is bad , as is most mold and fungi -RRB- most insurers quietly cut that coverage out of their homeowners policies . That is especiallytrue in the humid southern states , where mold is difficult to prevent . There may be a small amount of damage that is covered in your specific policy , so it is well worth your time to contact your agent and find out . If your policy has been in force for many years , it may also be a covered item , if the company had n't amended your policy along the way . Contact your agent , and they can tell you for certain . Good luck , and thanks for asking !


Input: Will Homeowners Insurance Cover Mold?

Output: -- > Normal 0 Mold is a slow growing organism that forms on plants , food and other matter . You will find most property and liability insurance policies include an endorsement specifically limiting coverage for Fungi , Wet or Dry Rot or Bacteria . Mold damage used to be covered by property insurance policies , like homeowners policies , if it resulted from another covered loss . A few years ago , insurers slipped an exclusion into their policies for all types of mold loss but softened the impact by including a nominal amount -LRB- usually $ 10,000 -RRB- of coverage for mold damage to property and $ 50,000 for liability to others . Higher limits are usually available for an additional premium but most insurance buyers are not even aware of this option . Mold damage following a water damage loss or the breakdown of mechanical equipment could result in a serious loss . Increasing the mold coverage limits on homeowners , tenant-homeowners , dwelling and other property insurance policies should certainly be considered . This type of coverage , mold damage resulting from another covered loss , used to be free and was subject only to a policys limit . Now you have to pay for it and specific limits will apply but it remains an important insurance program consideration .


Input: When Do Life Insurance Policies Not Pay?

Output: If a life insurance policy is put in force correctly , and if the insured person does not commit suicide in the first two years after the policy goes into effect , the policy will pay . Policies in which the client honestly answers the questions on the application with a good agent , will pay . If the insured person omits or lies about a significant health detail that was asked about on the application or during underwriting , the policy could be contested if death of the insured person occurred within two years after purchasing the policy . If a policy is contested , there is still a chance it might pay . Suicide during the first two years that the policy is in effect is an exclusion for which the policy will not pay .


Input: How Much Renters Insurance Should I Require?

Output: If you are asking as a landlord , any renters insurance that a tenant has is better than no renters insurance coverage . Most companies offer 100000 of liability coverage as a default but in most cases that limit can be raised without a lot of cost difference . I would suggest contacting a local agent as a starting point to discuss your coverage concerns and what products they may have available within your area . If you wish to protect yourself better from legalities I would recommend consulting with a local attorney .


Input: Does Renters Insurance Cover Self Storage?

Output: Ten percent of your policy value is available for coverage of items that you own that are not directly on your property up to the limits designated by the policy less your deductible . If you have a 20,000 policy , you would have up to 2,000 of coverage available for your personal items not stored on your property . Please remember every policy and carrier is different . Read your policy completely to know what coverage is provided and what exclusions there may be .


Input: How To End Life Insurance Policy?

Output: That is a great question ! The most common methodis you pass away . If that is n't your first choice , then You have a couple of options . -LRB- and I 'd strongly recommend that you speak with your agent or advisor first , especially if it is just a matter of unaffordable payments -RRB- The first is to write them , and tell them that you would like to surrender the policy . -LRB- contact me , and I 'll explain surrender vs. cancel -RRB- the second is to stop paying it . Both methods will end the policy . If you need help , please contact me . Thanks for asking !


Input: How To End Life Insurance Policy?

Output: The easiest way is to notify the company or your agent . When you just stop paying premiums some confusion can be involved . It is your policy , and it is your life . While I hate to see anyone stop protecting those that they love , the decision is entirely yours .


Input: How To End Life Insurance Policy?

Output: With term , the answer is easy . Just stop paying for it and it will lapse . With permanent , you have choices . Some folks would notify the carrier they want to end it and `` cash out '' . But remember that money then is taxable . Why would you want to do that ? You can borrow against that policy , and the loan is tax free and never needs to be repaid , unless you lapse the policy . If you must stop paying , how about letting it just pay itself out from the growth of your policy with no premiums due ? Think about your options ! Talk with your agent . Thank you . GARY LANE .


Input: How To End Life Insurance Policy?

Output: Before you end you life insurance policy you should contact your life insurance broker to see if there are any alternatives available such as a policy change . If the policy has a cash value , there maybe tax consequences should you surrender the policy . You want to make an informed decision . In order to end your life insurance policy , you need to advise the insurance company in writing . Some companies require surrender forms . If you have further questions , or feel that I could be of assistance , please do not hesitate to contact me .


Input: When To Sign Up For Medicare If I Am Still Working?

Output: If you are still working , you should still sign up for Medicare in the three months before your 65th birthday . If you do n't want to take your Part B Medicare benefits yet , you can simply return the card provided in your packet , telling them that you do not want Part B at this time . However , if you take Part B , your group plan will be your primary insurance plan . Very few people turn down Part A.


Input: Is Mortgage Disability Insurance A Good Idea?

Output: If you have regular Disability Insurance , you will receive a monthly benefit in the event that you became disabled . This can be used to pay any bills you want it to pay , including , but not restricted to , your mortgage . So Mortgage Disability Insurance is not necessary if you have regular Disability Insurance . Whether it is a good idea depends on your situation .


Input: Can You Switch From Medicare Advantage To Medigap?

Output: Yes . Generally , if you 're on Medicare Advantage , you can only apply for a Medigap plan during the annual enrollment period -LRB- October 15-December 7 -RRB- because this is the time when you 're able to leave your Medicare Advantage plan . You would be subject to the medical underwriting process -LRB- answering the health questions on a Medigap plan application -RRB- . To buy a Medigap plan without medical underwriting , you would need to qualify for a guaranteed-issue right . In the case of when you have Medicare Advantage , you would have to meet one of the following conditions : 1 -RRB- You have a Medicare Advantage plan and your plan is leaving Medicare , stops servicing your area , or you move out of the plan 's service area . Please note , you have to go back to original Medicare -LRB- Part A & B -RRB- coverage to qualify for this guaranteed-issue right . 2 -RRB- You joined a Medicare Advantage plan when you were first eligible for Medicare Part A at age 65 and within the first year of joining , you decide you want to switch to original Medicare -LRB- known as a `` trial right '' -RRB- . 3 -RRB- You dropped a Medigap policy to join a Medicare Advantage plan for the first time , have been in the plan less than a year , and you want to switch back -LRB- this is another type of `` trial right '' -RRB- . 4 -RRB- You leave a Medicare Advantage plan because the company has n't followed the rules , or it misled you . These 4 items are from Medicare 's website and can be found in your Medicare & You guidebook - copies are available on the Medicare.gov website -LRB- I can also e-mail you one if needed -RRB- . I hope the information is helpful - please feel free to contact me for assistance with your Medigap coverage including quotes and plan comparisons , and if you have any other questions . Thanks very much .


Input: Can You Switch From Medicare Advantage To Medigap?

Output: You are allowed to switch from a Medicare Advantage plan under certain conditions . If you are 65 or older and have been on Medicare Part B for less than 6 months you can switch to original Medicare and a Medigap . If you are in your Advantage trial right period , you can switch to Medigap . If you can pass underwriting requirements , you can switch to Medigap .


Input: What Is Postal Life Insurance Bonus Rate?

Output: I know that postal workers have group life insurance , but the one thing many postal workers over look is there life insurance can increase over 300 % through out your career and after retirement start to decrease when i ` ts needed the most . What i recommend is do a review of your life insurance policy , because any bonus that you may want or think is available really wont matter if your life insurance decreases every year in retirement .


Input: Can I Get Help With Car Insurance?

Output: As a trusted experienced agent , we help consumers with their car insurance , by offering unbiased advice and free quotes from the top-rated insurance companies . Each situation is different and the best options for you may be completely different than what 's best for other persons . Coverage , underwriting guidelines and policy provisions should always be discussed .


Input: Can I Get Help With Car Insurance?

Output: To get professional help contact a trusted insurance agent . If you dont have a trusted insurance agent get a recommendation from your friends , colleagues and neighbors . If you are asking about financial assistance for paying the premium for an auto policy , that is beyond my scope . I dont know . I would assume that there are some programs that would help you , but I dont know which programs .


Input: Does Hipaa Apply To Disability Insurance?

Output: Employer provided Disability Insurance is not covered under HIPAA . The Health Insurance Portability and Accountability Act was developed in part to simplify the health care system through electronic technology , yet protect the privacy of health information . The HIPAA Administration Simplification regulations exclude Disability Insurance because the benefit it provides does not fit their definition for a health plan . . As far as applying for a Disability Insurance policy goes , yes , your medical information privacy is protected by HIPAA .


Input: When Is The Best Time To Buy Long Term Care Insurance?

Output: The best time to buy Long Term Care Insurance is while you can still qualify for it , and while you can lock in the best rate . Around age 50-55 is a popular time because people start to experience hypertension and other signs of aging . As with most insurance , the best time is when it starts to gnaw at you . Even if you think it 's too late , it 's often best to follow your gut .


Input: How Long Can Children stay On Parents Auto Insurance?

Output: The answer to this question depends upon state law . In California all the drivers in the household , regardless of their age are included in the policy . The policy covers the car . The car is attached to a household . Unless excluded anyone in the household can operate any vehicle covered . In fact , anyone can operate any vehicle -LRB- provided that they have permission and are licensed drivers . -RRB-


Input: How Long Can Children stay On Parents Auto Insurance?

Output: From a contractual point of view , there really is n't any age limit . So long as your children remain residents of your home , and have access to and regularly use your cars , they need to be listed as rated drivers on your policy . Once they buy a car of their own and register it in their name , they would need to secure insurance of their own as well , at which point they can be removed from your policy . Check with your Insurance Professional about available discounts they might be entitled to if they ionsure their car with the same company as you .


Input: How Long Can Children stay On Parents Auto Insurance?

Output: As long as the children are residents of the household the children can stay on the parents policy as long as you wish . Keep in mind the vehicles will in almost all cases need to be registered to the parents or both the parents and the children . If the vehicles are only in the kids names then the children will need to obtain their own policy . The question is how long do you wish to continue to provide insurance for the kids .


Input: How Long Can Children stay On Parents Auto Insurance?

Output: Children can stay on their parent 's auto policy , for the most part so long as they continue to reside with them in their parent 's home and are driving one of their cars on a regular basis . If the child decides to purchase and register a car of their own , then they will need to have their own policy , at which point they would be removed from their parent 's .


Input: How Long Can Children stay On Parents Auto Insurance?

Output: Great Question . Kids can stay on the parents auto insurance policy till they leave the house and move on to college or get married . The advantage for that is the parent has all the discount offered by the insurance company like , home and auto discount and mulitple cars discount which can help lower the kids car insurance .


Input: How Long Can Children stay On Parents Auto Insurance?

Output: Typically there is no maximum age for kids being on their parents policy in auto insurance . In fact as long as they are residents of the household and are licensed drivers , then it is appropriate for them to be on the auto policy . Talk to your agent about your situation .


Input: How Long Can Children stay On Parents Auto Insurance?

Output: That is a great question ! Unless your State , or your insurance company has a rule stating otherwise , you can pretty much keep them on your policy until you are ready to boot them off . Most times they will need to get their own once they begin driving their own car , or have moved out or gotten married , and drive the spouses car . I hope that helps , thanks for asking !


Input: What Is Private Health Insurance?

Output: Private health insurance is coverage that you buy yourself instead of having it provided through an employer . As an experienced broker , our job is to find the most affordable plans available through the highest-rated insurers . If you qualify for the new federal subsidy , we will calculate the amount and explain how that can reduce your premium . Each State Exchange/Marketplace will have an Open Enrollment which allows consumers to apply for coverage regardless of pre-existing conditions .


Input: Which Life Insurance Is Best?

Output: There is no one best life insurance company , and no one best type of life insurance policy . Life insurance companies are rated by rating agencies -LRB- AM Best , Standard and Poore 's , Moody 's and Fitch are the most popular -RRB- . You can look at their ratings with each agency to see how life insurance companies compare with each other . Regarding types of life insurance policies , sometimes Whole Life is best , sometimes Universal Life best suits a particular need , sometimes Term Life works best . To find the best company and policy for you and your particular need , you can visit with a reputable agent and ask them to find you the best qualify product that is suitable for your needs .


Input: Which Life Insurance Is Best?

Output: Video Transcript : Which life insurance is best ? Sometimes , you have to look at the ratings of the carrier , because people are very concerned about the financial strength of a carrier , so I want to look at the financial strength . The second is : How do they price out on product spreadsheets or grids ? Is the premium competitive with other players ? The third thing I want to know about is : What are their claims-paying ability ? Are they paying their claims on time ? There are certain services that actually look at that issue . You can check out financial strength , you can look at claims-paying ability , and most importantly , is that premium going to be really the most competitive premium that you can get ? That 's why we like to shop in the brokerage community to see which one is the best . Lastly , it 's an underwriting issue as well . Which one is the best ? Who gives me the most benevolent underwriting and the cheapest offer , based on my medical condition ?


Input: Which Life Insurance Is Best?

Output: The type of life insurance that is best for you depends on what you need it for , your budget , and how much you need . If you need a lot of coverage and have very little to spend , getting Term insurance will most likely be your best option . If you have a lifelong need and can afford to pay the premiums for Whole or Universal Life , those will be your better option . Visiting with an experienced agent who you can trust can save you hundreds of dollars while still getting you the right coverage to meet your needs .


Input: Which Life Insurance Is Best?

Output: That is an excellent question , and one I get a lot ! Here 's the best way I can answer you . It depends upon what you want it to do , your budget , and your age . If you are looking to provide for your funeral expenses , and leave some money behind , knowing for sure that the policy will do that for you , then a whole life policy is best , especially if you are young , and can purchase relatively large amounts cheaply . If you are looking for temporary coverage , to cover a debt , or because at this time your budget is really tight , then maybe a term policy is right for you . A combination of both may be right for you . It really depends upon your specifics . If you 'd like to discuss them , drop me an email , and I 'd happily give you some better information , okay ? Thanks for asking !


Input: What Is SR22 Car Insurance?

Output: The Department of Motor Vehicles may require an SR-22 form . This form verifies that a specific driver is covered with vehicle liability insurance . It is frequently used to reinstate driving privileges that have been lost . We most commonly see it in connection with a conviction for driving under the influence of alcohol . The company that issues the SR-22 is required to notify the state with an SR-26 if the policy of liability insurance is cancelled .


Input: Does My Father Have Life Insurance?

Output: That 's a hard question to answer . I would recommend you review any old paperwork he has on file . Look for any bank drafts with various companies on his bank statement . Also consider calling his home/auto insurance provider and see if they knew of any policies in force . There is no centralized database of people with life insurance . This is a great reason why you want to have folder will all your policies and info for those you leave behind .


Input: Why Do People Buy Whole Life Insurance?

Output: There are many reasons why people buy whole life insurance . The main reason is permanence , it last until you are at least age 100 and sometimes beyond . Where as term insurance is only for a set number of years . Another reason is that whole life policies will typically build a cash value that could be borrowed against in most situations . There are too many reasons to list here . I would recommend contacting your local agent to have them help you finding the policy right for your needs and goals .


Input: Why Do People Buy Whole Life Insurance?

Output: Generally speaking some reasons are : -LRB- 1 -RRB- The earlier you purchase , the lower the premium locked at a rate until age 100-121 depending on the policy . -LRB- 2 -RRB- The potential to build a cash value which can be borrowed against in most cases . -LRB- 3 -RRB- It is permanent compared to term insurance that is only for a determined number of years .


Input: Why Do People Buy Whole Life Insurance?

Output: People buy whole life insurance because their insurance professional recommends it . But should they ? Whole life insurance for supplemental retirement income may be appropriate for long term conservative savers , who also desire tax advantaged features of tax deferral and the potential for tax free income provided that the policy is kept in force for the life if the insured . But whole life insurance for protection may not be the most economical approach for permanent coverage . Guaranteed universal life -LRB- GUL -RRB- is less expensive and although most GULs have little to no cash value , theyre purchase for the lowest cost of coverage .


Input: Why Do People Buy Whole Life Insurance?

Output: Why do people buy whole life insurance ? Well , I can give you reasons I did . I simply liked what it does . I locked in a life time rate in a policy that grows over time and builds up cash values that I can get to really easily and I do n't have to ask permission from anybody to do so . I like that I own the policy , I control the policy . I like that as an investment it is dull , boring and does it job of a reasonable return at a minimal risk situation . I like after all my health changes -LRB- type II , A Fib -RRB- that I do not have to seek out life insurance again because I have mine , locked in for my life . I like how in 2008 when I lost ten years of growth off my investments and my home value dipped too , that my life insurance kept cooking along as if nothing happened . I like that something I have ca n't go backwards . I figured out a long time ago , whole life insurance is the most risky thing an insurance company can sell for an insurance company , that is why it is priced the way it is . Think about this if you were an insurance company and price based on risk to the company , would the things that could really cost you , do you charge a little or a lot ? This is also why a good disability policy is n't cheap either .


Input: Who Does Not Need Long Term Care Insurance?

Output: Persons who do not have a lot of assets to lose if they were to need long term care services may find that the cost of Long Term Care Insurance is not worth the sacrifice . On the other hand , those who have very large estates may feel that they are able to pay for their own Long Term Care if the need arises , and may not consider it necessary to purchase Long Term Care Insurance .


Input: Does Renters Insurance Cover Pet Injury?

Output: Homeowners policies routinely exclude coverage on animals , birds , fish or insects . There are companies that provide insurance for animals . Some automobile insurers will provide coverage for an animal injured in an auto accident .


Input: Can I Have Medicare And HDHP?

Output: Normally , once you go on Medicare you can no longer keep your HDHP -LRB- high deductible health plan -RRB- because you generally can not have other health insurance along with an HDHP . However , Medicare Advantage plans allow for the creation of a Medicare Medical Savings Account -LRB- MSA -RRB- . Like HSA 's , MSA 's are comprised o a HDHP along with the MSA . This HDHP is a Medicare Advantage Plan with a high annual deductible .


Input: How Much Do Life Insurance Agents Make In Vermont?

Output: Life insurance agents in Vermont make a wide range of salaries . As with any other business that pays commission -LRB- and usually , commission only -RRB- , the amount of work put into the career makes a big difference . But it also depends on the economy , how many people you know , whether you have the money to stick with it for a while , etc. . If there is an average , most agents in Vermont probably do not make it , but earn far less or far more than that .


Input: How Much Do Life Insurance Agents Make In Vermont?

Output: According to the Bureau of Labor Statistics , the national average annual income of an insurance agent is around $ 44,500 . There is no specific information for Vermont life insurance agents . There is a lot of variance in income earnings since the jobs is generally 100 % commission . Some agents will earn less than $ 20,000 per year and other will earn over $ 100,000 per year .


Input: Can I Get Disability Insurance If I Have Cancer?

Output: Depending on the exact type of cancer , most companies would probably not issue the policy if you are currently being treated . Cancer can be a devastating disease . No company will issue a policy knowing there is likely to be a claim in the very near future . If you have a minor skin cancer then you may be able to receive coverage , otherwise it is doubtful . The only way to find out is to speak with an agent and do a trial application or have him call underwriting at the company for a preliminary evaluation .


Input: Can I Get Disability Insurance If I Have Cancer?

Output: As previously mentioned , the likelihood that you could receive DI from standard carrier is very slim . However , if you 're in remission , there 's a possibility that a company like Lloyds of London would write you a policy . The biggest downside is that , regardless of where you go , they 'll most likely exclude anything pertaining to the cancer , even if you 're in remission .


Input: Can I Get Disability Insurance If I Have Cancer?

Output: To qualify fordisabilityinsurance , of course , you must have an income stream that is not currently subject to rapid change . The policy is medically underwritten , so you would have to qualify for coverage . There are many types of cancer and to properly determine the correct answer to your question , you should talk to an experienced broker that is very familiar with several underwriting guidelines of major disability carriers .


Input: Can I Get Disability Insurance If I Have Cancer?

Output: Can you get Disability Insurance if you have cancer ? Honestly No . If you are currently being treated for Cancer the possibility of being approved for a disabilty policy is slim to none . True well designed disability is very very hard to get with even modest health issues . Active cancer is a decline .


Input: Does Life Insurance End Up Going Through Probate?

Output: Not usually . As long as the policy has a named beneficiary who is alive when the insured dies the proceeds will normally skip the probate process . If there are no living beneficiaries when the insured dies , then the proceeds are paid to the insured 's estate at which time the funds would need to go through the probate process in order to be distributed to heirs . Keep in mind that proceeds paid to a deceased beneficiary could end up in that beneficiary 's estate and would need to go through the probate process in order for that beneficiary 's heirs to receive the proceeds .


Input: Does Life Insurance End Up Going Through Probate?

Output: Life insurance does not go into probate if the beneficiary is a person , trust or entity other than the estate . If the beneficiary is the estate , if all beneficiaries are deceased , or if there is no beneficiary named on the policy , the insurance proceeds will be paid to probate court , where fees will be deducted . Life insurance with a designated beneficiary avoids all that .


Input: Can Car Insurance Deny Coverage?

Output: You can be denied if you apply for car insurance coverage . For example , if you did not have a valid drover 's license or were not a US citizen , you would likely be denied . If your driving record could not be verified , it is possible you would not be offered coverage . Of course , too many tickets , accidents or claims may cause a denial when you apply . Utilize a broker who represents multiple carriers to help you fund the company that offers the lowest rates . A reputable website is also a great resource .


Input: How Long Does It Take To Get Money From Home Insurance?

Output: It certainly depends on the carrier , the type of claim , and how much damage was caused . If you are talking about a `` catastrophe '' claim this can take much longer because of the scope of damage and the number of people impacted . Sometimes insurance carriers will have to out-source a 3rd party to handle claim adjustments if the claim is that big like tornado damage that causes damage to many . If you are talking about a claim where the only damage was your residence you should expect to see a field adjuster within 3-5 business days to make the initial estimate . From there , a check could be issued as quick as 24 hours or another 3-5 business days . More than likely the first check you receive will be a partial based on the ACV of your personal property and dwelling .


Input: How Long Does It Take To Get Money From Home Insurance?

Output: Insurance companies want to adjust claims as quickly as possible . In most cases they are eager to get the claimants release . The claim is not adjusted however , until the claimant signs the release . There are a variety of circumstances that could delay that release from being signed and sometimes the company will make interim payments to reduce the stress on the claimant . Delays could be in reconstruction , possible fault of a third-party , and legal issues . Sometimes it has to do with a lawsuit and can not be resolved until the case is settled .


Input: Can I Keep My Ex Wife On My Car Insurance?

Output: That is a great question ! The better question though , is why would you want to ? I could maybe , possibly , barely , almostsee why if she were still driving the car ; if she had policies that bundled with yours and kept your rates low , or if she were making the payments . But she is n't going to be legally obligated to you anymore , and if she 's not going to be driving the car , probably is going to stop paying , drop you from her policies , and not care too much if your car gets a new dent or scratch . I 'm not suggesting in any way that your Ex is in any kind of way a bad person , or doing anything wrong . That is just the way it is . It may be better to just let that one go , and let her find a policy that will work best for her . If you 'd like to discuss this privately , please contact me , okay ? Good luck , and thanks for asking !


Input: How Often Will Medicare Pay For A CPAP Machine?

Output: If you qualify , Medicare will pay for the rental of a CPAP machine . You must have been seen by a doctor , and that doctor must have prescribed a sleep study . The study must be conducted by a Medicare approved facility and your diagnosis must be confirmed . You must have been trained on the care and use of a CPAP before Medicare will cover the rental .


Input: What Kind Of Insurance Do I Need On My Home?

Output: You need homeowners insurance at minimum . Depending on the geographic location of your home you could also need or want flood insurance . I would also recommend an umbrella policy to provide added liability protection that covers both your home and autos . To ensure that you get the protection you need and want contact your local agent , they will advise you of the coverages available so that you can make a more informed decision .


Input: What Is A Typical Home Insurance Cost?

Output: Home insurance is written for homes . Homes are never typical . It is the uniqueness that makes home ownership attractive . A homeowners policy is based upon the value of the home , the location of the home , the fire protection available , the age of the home and the condition of the home . In addition there are other items of interest that will guide an underwriter to evaluate the risk of your home


Input: How Do You Calculate Homeowners Insurance?

Output: Insurance companies use two types of calculation tools to first determine the cost to replace the home if there is a total loss . The replacement cost is one of the determining factors in rating a home . The next factors are the location of the home , information about the individuals purchasing the home and their prior homeowners insurance history . Then we discuss with the client the desired additional coverage 's and deductible options beyond the basic replacement cost to help determine what best fits the clients needs and to give peace of mind on this important asset .


Input: Does Homeowner's Insurance Cover Stolen Car Key FOB Replacement?

Output: That is a good question . In most states coverage for auto related claims will fall under your auto insurance . Having said that , some homeowners insurance policies provide coverage for theft away from premises . The more important question is , `` What is your homeowners insurance deductible ? '' If you have a $ 500 deductible and the key FOB is $ 500 , and it was covered , you would collect $ 0 because you have n't exceeded your deductible . Even if your policy did provide coverage , and you exceeded your deductible , I would n't recommend you file a claim . Homeowners insurance is best reserved for catastrophic losses like ; wind , fire , hail , lightning , hurricanes , water damage from a pipe burst , etc. . If you file a claim for your key FOB and next week have to file another claim because of something listed above , the insurance company will have grounds to non-renew or cancel your policy . Even if they did n't cancel your policy , you could see a rate increase because of the claim that was submitted for your key FOB . Over the next few years you would likely exceed the value of the key FOB with increased insurance premium cost . The thought process by the insurance companies is `` frequency leads to severity '' and insurance companies do not like severity . Hope this answer helps .


Input: Is Home Insurance Required In Vermont?

Output: Home Insurance is not required in any State , a homeowner is free to self insure the risk thereby not paying premium for an insurance contract . If a homeowner decides to borrow money from a bank or other lending institution and offer the home as collateral for the loan , there most probably would be a contractual obligation to provide insurance naming the mortgagee on the insurance policy . There is a link providing an online format to obtain a quote and buy home insurance online in multiple States ; may be used by Escrow/Closing Professionals , Mortgage Professionals , Real Estate Agents and directly by Consumers . An exemplary online experience for all ! WEBSITELINK


Input: What Type Of Hospital Bed Will Medicare Pay For?

Output: Guidelines for what type of bed Medicare will pay for varies by state . In all states , Medicare will not pay for the cost of a fully electric bed . However , Medicare will pay for the cost of a semi-electric bed when there is a medical necessity for that type of bed . You can then pay for the difference so that you can purchase a fully electric bed , if desired .


Input: How Can I Compare Health Insurance Quotes In Indiana?

Output: Comparing health insurance quotes in Indiana is very simple and you 'll be able to view the best prices from the top-rated companies . Typically , utilizing an experienced broker 's website will yield you the best rates . As an experienced broker myself , with a premier trusted website , we utilize modern software and are able to research and find the best offers . The Indiana Health Insurance Exchange allows you to apply for many affordable plans through Anthem and a few other carriers . No medical questions need to be answered and during Open Enrollment , your acceptance is virtually guaranteed . The new Marketplace will also provide a federal tax subsidy of your income is under 400 % of the Federal Poverty Level .


Input: Can Your Homeowners Insurance Drop You?

Output: Your insurance carrier can at their discretion terminate your coverage typically with at least 14 days notice to allow you to secure coverage with another carrier . If you have had numerous or large dollar amount claims within your history with the carrier they may decide that your homeowners coverage is not a risk they are willing to accept any longer .


Input: How much is health insurance for a family of 3?

Output: Florida participates in Obamacare Health Insurance Marketplace . Under that system , here 's what drives the price : # of people in household and their age , total income of those people , and the county they live in . It 's best to have an agent run the numbers for you . They can guide you to coverage and plans that meet your needs . If your family is lower income , you may find that the cost is ZERO !


Input: How much is health insurance for a family of 3?

Output: Cost of health insurance is driven by many things . Age of the three people : Age plays a big role in the cost of health insurance . Although this has been smoothed out a bit due to the ACA there is still a big price difference based on age of the consumer Benefit levels : A high deductible plan is going to have a lower premium than a copay plan . The size of deductibles , amount of up front coverage , copay levels and many other factors will drive the price of insurance benefits . ACA plans : ACA plans `` Obama Care '' premiums are determined by income level . The lower the income , the higher the subsidy will be toward the premium . This can lower the cost tremendously and even lower it to no cost per month if the income is low enough . Every additional family member increase the amount of family income that can be made and still receive a subsidy . Be careful however , if someone understates their income , they will be subject to paying it back when they do their taxes the following year . Someone could be receiving a $ 600 a month subsidy based on an income of $ 18,000 a year and then have to give all of it back when they do their tax return and it shows they really made $ 48,000 .


Input: How much is health insurance for a family of 3?

Output: As an Insurance Broker , I want to think it depends on your age and what type of Heath plan you want . Example high deductible or a low deductible Health Plan . My best suggest is to look at what is your cost for any medication you may be on . Find out does your doctor / doctorsHealth plan . The way you will leverage your time and your money . Omeca Best , 866-491-1491


Input: How much is health insurance for a family of 3?

Output: It truly depends on the deductibles and coinsurance chosen along with any additional coverage like accident , critical illness , or dental . Higher out of pocket costs will lower premium while lower deductibles and coinsurance will raise premiums . Typically on an ACA plan , the average policy for a family of 3 that I have written has been in the $ 400 dollar range which included some bells and whistles . For a no obligation quote please contact me @ 843-450-9879 or visit my website @ www.hinchfinanicalgroup.com .


Input: How much is health insurance for a family of 3?

Output: There are many factors that can contribute to the cost of your insurance . First , there is the type of plan that you choose . A more basic plan that covers only emergency or sickness will cost less on your monthly premiums , but will most likely not cover wellness visits . A more comprehensive plan that covers various wellness visits and tests will be more expensive on your monthly premium , but may save you money in the long run due finding health problems before a catastrophic illness . Other contributing factors are age , lifestyle and previous medical conditions . A person who is in decent health at average height and weight will pay less than someone who is overweight , uses tobacco and has a preexisting medical condition . Options that you choose for your medical plan can also raise or lower your premium . Going with a low annual deductible will cause your monthly premium be higher versus going with a higher deductible . If you are relatively healthy and are comfortable with having a higher out-of-pocket cost will save on the premium . Of course , if you do end up needing to go to the doctor or having a test done , you may end up paying more due to the deductible . Also , having a doctor visit copay option on your plan may make going to the doctor easier to pay , but that option will add to your premium . Health insurance can be a confusing thing to purchase . By doing your research and contacting an agent , it can be a little less confusing and help save you and your family from a financial crisis .


Input: What Exactly Does Graded Whole Life Insurance Mean?

Output: Great question . These are the questions that should be asked before signing up for a policy . A graded policy normally will not pay out full benefits within a certain amount of time -LRB- such as 2 years -RRB- if death occurs from natural causes . So if a person were to have a graded policy and dies within the 1st year , more than likely the beneficiary will get just the premiums that were paid in that year plus maybe another 10 % or so as an example .


Input: Why Choose Variable Annuities?

Output: Productsuitability must first beestablishedbefore purchasing an investment.Variable universal life insurance -LRB- VUL -RRB- is a unique security product that should be considered for a long term investor with a high tax bracket and an established risk tolerance for marketing investing . It has a guaranteed interest account as well as separate subaccounts using equity and bond investments . VUL designed for income can accumulate tax deferred and may be able to generate tax free income as long as the contract is kept in force for the life of the policy insured .


Input: What Is Term Essential Life Insurance?

Output: I believe you are speaking about the Prudential term product which has both term `` essential '' and term `` elite '' . The former product is the lower in cost , while the `` elite '' coverage has certain advantages should you wish to convert in the future . I believe the less expensive model works for most people , although its a good idea to be aware of both .


Input: What Is Term Essential Life Insurance?

Output: Term Essential Life Insurance is the lower cost of two term products offered by Prudential . It comes in 10 , 15 , 20 and 30 year level term , with 30 year term often its sweet spot . It is convertible to permanent insurance to at least age 65 . Term Essential Life requires a minimum face amount of $ 100,000 .


Input: What Is Term Essential Life Insurance?

Output: Term Essential is just the name for the term life insurance product from Prudential Life . Every carrier assigns names to their products , but with term insurance , the product is pretty black and white - if you die during the life of the policy , it pays out a death benefit . If you 're still living when the term period guarantee expires and you decide to terminate the coverage , that 's the end of it . There is nothing to cash out with term insurance products as they do not build cash value . Most people will terminate the coverage at the end of the term period or replace it with a new term or permanent life insurance policy . It 's important to review your life insurance program with a life insurance broker periodically to make sure what you have is still the most suitable item for you . As our needs change over time , so does our coverage needs . I hope the information is helpful - please feel free to contact me for help with your coverage and if you have any other questions . Thanks very much .


Input: How Many Life Insurance Members Does Aetna Have?

Output: Aetna is a stock life insurance carrier and as such has policyholders , not members . Aetna is a major insurance carrier involved in many areas of insurance and risk management . Aetna provides individual and group health insurance coverage . They also offer life insurance and Medicare plans . As such , Aetna has many hundred thousands of policyholders around the world .


Input: Can I Switch Homeowners Insurance At Any Time?

Output: Of course . The only key to keep in mind is how your Homeowners ' Insurance is paid . If for example you pay it directly say on a monthly billing account , then the transfer can be very simple and easily handled by your insurance professional right in the office . If however , your Homeowners ' Insurance is paid by your Mortgage Company by an escrow account , it can still be done , but is a bit more complicated . Either way , talk to our Insurance Professional about your particular situation . There is a solution .


Input: Can I Switch Homeowners Insurance At Any Time?

Output: Yes , you can . Most people assume they can only switch at renewal , but this is n't so . If you choose to switch , it 's not hard . When you find new coverage , go ahead and pay for it . Then you can cancel your current policy . They will refund the premium they have n't used . For instance , if you paid for the entire year and you cancel six months into the term , they 'll refund half the premium . Now some things to be aware of : Do n't cancel your current coverage until you have new coverage in place . If you have a mortgage , be sure to notify your mortgage company about the new coverage . They may send you a notice that they have no coverage and you need to address this or they will force coverage at an extremely high rate that only protects them , not you . Get this notice to your agent so they can get the mortgage company what they need . If you pay your insurance through your mortgage payment , it 's a little more complicated . When you closed on your mortgage , you paid the first year of insurance up front . Then , the mortgage company puts part of your payment into escrow for the insurance . When it renews , they 've collected enough to pay the full year again , and the process continues that way . If you cancel during the year , the refund will come directly to you , not the mortgage company , and your escrow may be short . So , you 'll have to pay the premium for the first year to give the mortgage company time to catch up . It 's your insurance and you can cancel any time you 'd like . Just be aware of some of the pitfalls that may exist . Find a good agent you can trust and they can take care of the whole process for you .


Input: Can I Switch Homeowners Insurance At Any Time?

Output: You bet . Home insurance is n't a two-way street . There are certain things an insurance company is unable to do , such as cancel your policy if you are paying your premiums . On the other hand , as the policy holder , you have the right to cancel your policy at any time . Their are a couple key items to consider before making a change . 1 . What coverage changes exist from my current company to the new company ? Is my coverage improving ? 2 . What discounts will fall off by making this change ? 3 . How is the billing handled ? There are a couple more steps to take if your insurance if paid by your mortgage company . The bottom-line answer is yes . Work with an experience professional to help get the change done properly . It happens every day !


Input: Does Medigap Insurance Cover Drugs?

Output: No , Medigap plans on today 's marketplace do not cover drugs . If you have a Medigap plan or are looking to buy one , you would need to add a standalone part D prescription drug plan to cover prescription drugs . I hope the information is helpful - please feel free to contact me for assistance with your coverage and if you have any other questions . Thanks very much .


Input: What Is The Best Life Insurance Company?

Output: Best for Financial Strength ? Best for prompt payment of Claims ? Best for service after the sale ? These are just some of the questions many of my clients ask when seeking `` The Best Life Insurance Company '' to suit their particular needs . My suggestion is to contact a rating service that measures Financial Strength , Claim Payments , Service etc. . .


Input: What Is The Best Life Insurance Company?

Output: There is too many variables to composite a best life insurance company . But there financial items and product rankings that can help you assess the top companies . There are several rating services that measure financial strength and claims paying ability . There are also premium ranking spreadsheets by product and health classification that can assist you in your due diligence search .