Input: What Is An Inspection Report For Life Insurance?

Output: An inspection report for life insurance is an extensive report that is done to verify confidential information about a life insurance applicant . Most inspection reports are done only on very large policies , and the majority are done by phone . With some multi-million dollar cases a face to face interview may be required . If the inspection report is for a business , it will ask about the nature of the business , make up of the business , location , where they do business , and if any air travel or travel to unsafe countries is involved . Personal information will include health problems , dangerous hobbies , tobacco use , drug/alcohol use , and anything else that affects life insurance risk . They will also ask income and net worth , liabilities , and justification for amount and purpose of life insurance . Inspection reports are ordered by the life insurance underwriter from private inspection bureaus and are kept confidential from everyone except the life insurance company that made the request .


Input: Who Is The Least Expensive Auto Insurance?

Output: The least expensive auto insurance company ? Actually , there are about a dozen answers . Depending on the state where you live , it could be State Farm , Progressive , Esurance , Farmers , Geico , Allstate , Erie , Liberty Mutual or one of many other companies . Rates are based on many factors and in any given area , it could be one of many options . An experienced broker and their website is a great resource to shop , compare , and find the best car insurance rates in the US !


Input: How Long Will It Take To Get Health Insurance?

Output: This will depend on the type of insurance sought . Some insurance policies will be effective next day , while others are the first of the next month . Answers to some basic health questions will start the process toward determining which type of plan may work best for you . For help feel free to call me at 913-279-0077 .


Input: What Is Medicare Exclusion?

Output: Medicare exclusion is the tool that is used by the Office of the Inspector General within the Dept of Health and Human Services . When confronted with misrepresentation , omissions or other forms of fraud in applying for or handling Medicare services or supplies , providers or supplies are excluded from receiving Medicare payments . It is a way of enforcing the terms of these contracts by excluding those who abuse them .


Input: Who Can Be On Your Car Insurance?

Output: Relatives living in the insured 's household and related by blood , marriage , adoption , a ward or foster child . Any other person using the insured auto with the insured 's permission . In Wisconsin this includes an adult member of the household . Other persons or organizations are covered in limited situations -LRB- refer to the policy -RRB- .


Input: What Is Veterans Group Life Insurance?

Output: Veterans Group Life Insurance -LRB- VGLI -RRB- is five year renewable Term life insurance for persons who have served in the uniformed services . to convert SGLI -LRB- Servicemembers Group Life Insurance -RRB- to VGLI , you must do so within 120 days of your separation from the service . If you wait longer than the 120 days , you have one additional year , but then you must show evidence of good health to be approved .


Input: How Much Renters Insurance Should I Take Out?

Output: That depends on the valuation of the personal property that you own . Most carriers start renters insurance coverage at ten or fifteen thousand and one hundred thousand for liability coverage . The amount of coverage that you take out is a personal choice . Talk to a local agent about your coverage needs and they can help you get the coverage that you want and need .


Input: What Is Needed For Renters Insurance?

Output: Renters insurance is a way to protect the value of your belongings in the event that they are stolen or destroyed . Let 's say there is a fire in your complex , and the apartment you live in is damaged by smoke and water from the firemen . Your cost to replace the things you own that are damaged by smoke or water is probably much greater than what you have in the bank . This is what your policy is designed to do - provide that money to replace them . If you would like more information , please click the ` contact me ' button , I 'd be glad to help !


Input: What Age Does Term Life Insurance Come To An End?

Output: Term life insurance ends at the end of the term . E.g. . If you take out a 10 year term life insurance policy , the policy will end at the end of the 10th year . Otherwise , the premium will jump to a much higher price at that time , and go up each year after that .


Input: Who Should Carry Long Term Care Insurance?

Output: Long Term Care is the elephant in the room . Many carriers have exited the market because they were not able to make money in this niche . The question you should be asking is what will happen if my spouse or I require care ? You will not find any good answer unless you have coverage or can afford the $ 70,000 per year plus that it costs . The changes of needing care are high , but not for a long period of time . In addition , there are several other ways of paying for long term care with life insurance and annuity riders that you should investigate .


Input: Who Should Carry Long Term Care Insurance?

Output: My parents applied for Long Term Care Insurance many years ago , and my mother was able to qualify for it , but my father was not . My father 's declined over these many years , and toward the end , it was a worry whether my mom could continue to care for him or not . Thankfully , she was , but it was a difficult situation , to say the least . Now my mom has long term care insurance and you can tell it brings her peace . Even though she does not have anyone at home to care for her , like she did for Dad , she will have the funds to do what she needs to do if she can not care for herself . This personal experience has made it more real to me that , if you are not close to qualifying for Medicaid , you should probably have Long Term Care Insurance .


Input: How Much Does Medicare Pay For Physical Therapy?

Output: Medicare Part B pays 80 % for physical therapy . You can get a Medicare Supplement or Medicare Advantage Plan which will pick up some , or all , of the remaining 20 % . It 's probably a good idea to have this type of coverage , because the 20 % you may owe ... on physical therapy as well as other treatments ... can become quite expensive .


Input: How Much Is The Average Cost Of Home Insurance?

Output: Average is relative to the person using the term . That being said I would say the average homeowners policy in my area is about $ 1000/yr . I have seen policies as low as about $ 400/yr . Contact your local agent and they can advise you of the coverages available within your area and the costs associated with them .


Input: Can A Diabetic Get Disability Insurance?

Output: Yes , there are Disability Insurance policies that someone with diabetes can get . For persons with very well controlled diabetes , you will be rated up but may be able to get a 2 to 5 year benefit . If you are unable to get that type of policy , there are graded Disability policies that some people with diabetes can get . These pay a limited benefit during the first couple years . Contact a broker for Disability insurance to make sure you have access to all the choices available to you .


Input: Does Medicare Cover Knee Replacement Surgery?

Output: Yes , Medicare does cover knee and hip replacement surgeries . These are very popular surgeries and getting more common all the time . However , the Centers for Medicare and Medicaid Services -LRB- CMS -RRB- is reported to be considering deep cuts in the reimbursements paid to orthopedic doctors for performing this type of operation . It remains to be seen if that comes to pass .


Input: How Much Does Health Insurance Cost In New York?

Output: Health insurance in New York will vary depending on many variables , including how old you are , where you live , the number of members in your family and the coverage you want . BlueCross Blue Shield , Empire Blue Cross and Blue Shield , UnitedHealthcare/Oxford and Emblem Health are a few of the major carriers . As an experienced broker , we offer free quotes in minutes -LRB- as do most other brokers -RRB- so that consumers can quickly compare the best plans from top-rated insurers . In 2014 , federal tax subsidies will reduce costs for many Americans . This could impact your premium as well as the benefits of the policy that is purchased .


Input: Who Can Get Auto Insurance?

Output: The owner of a vehicle needs to maintain insurance . Insurance always follows the vehicle so regardless of who is driving the car the owners insurance is primary . If someone other than yourself is going to be driving your car you need to list them on your policy as a driver . The driver can be classified as primary or occasional depending on how often they will be using your car .


Input: How Much Auto Insurance Is Required In Iowa?

Output: You are required to hold minimum limits of 20/40/15 . This is bodily injury of $ 20,000 per person maximum with a $ 40,000 accident maximum coverage . The 15 is $ 15,000 in property damage caused in any one accident . These are the absolute MINIMUM limits and should not be taken as being enough coverage for your situation . Talk to an agent to determine how much coverage may be right for you . You may also purchase a bond assigned to the state and avoid the premium on auto insurance . Often times , auto insurance is cheaper than the annual bond premium . Trevor Toft State Bank Agency 7122754512


Input: How Much Does Car Insurance Give For A Totaled Car?

Output: When it is determined that the cost to repair a car is greater than the value of the car the adjuster contacts the owner and tells them of the decision . At that time the adjuster will make an offer for the car based upon current market conditions , minus the deductible if applicable . The insured can either accept or decline the offer . A settlement means that the company and the policyholder agree on the amount . The title to the car transfers to the insurance company .


Input: How Much Does Car Insurance Give For A Totaled Car?

Output: The amount can vary by car and company , but there is a gneral rule of thumb that is a pretty good guide . Usualy , a car is `` totalled '' when the insurance claims adjuster appraises the damage and compares the cost to repair with the `` book value '' of the car . There are various sources to determine the value of a car including , but not limited to , Kelly Blue Bookor the NADA guide as examples . Generally , if the cost to repair is about 70 % of the car 's value , it is likely that the adjuster will recommend categorizing the car as a total loss and will offer you a settlement sum that is in the neighborhood of the repair cost .


Input: What Medicare Advantage Plan Is Best?

Output: The best Medicare Advantage plan is the one that fits your needs and budget . One of the biggest mistakes our seasoned citizens make is enrolling in an Advantage plan based on the premium . Many plans have a $ 0 premium which can be attractive but also financial suicide . If you have chronic health issues a Medicare Advantage plan is probably not your best choice .


Input: What Percentage Of Small Businesses Provide Health Insurance?

Output: The percentage of small businesses that provide health insurance to their employees is hard to calculate . Firstly , the definition of a small business can vary . It could be considered as a few as 2 employees or as many as 50 . Also , this number will probably be dropping in 2014 , when many businesses decide to eliminate offering healthcare toemployees , since it is more cost-effective to pay a penalty .


Input: Does Medicare Cover Erectile Dysfunction Medications?

Output: Erectile dysfunction medications such as Viagra and Cialis are not covered by Medicare -LRB- not under Medicare Part D Drug Plans or any other Medicare plan -RRB- . This coverage was discontinued by Medicare in 2006 . Medicare will cover penile vacuum pumps , or penile inflation devices if the pumps are ineffective , for some cases of erectile dysfunction .


Input: What Does Life Insurance Term Length Mean?

Output: Life Insurance term length means the number of years that the policy will stay in effect . Usually , the term length is also an indication of how long the policy premium will stay the same price . But some policies guarantee the premium to stay the same -LRB- level -RRB- for only part of the term . E.g. . A 20 year Term policy has term length of 20 years . It may or may not be guaranteed not to go up in price for the full 20 years . When the 20 years are done , the policy will end , or the premium will go way up , usually over 10 times higher than it was before .


Input: Is Homeowners Insurance Part Of Your Mortgage Payment?

Output: That is a great question ! The answer is it can be , but is n't normally . I have seen where the mortgage payment was inclusive of the homeowners policy premium , as a result of the lender having to reinsure the home when the owner allowed the previous policy to lapse . It is n't the usual case , but it can happen . Thanks for asking !


Input: Is Homeowners Insurance Part Of Your Mortgage Payment?

Output: Not necessarily unless your Mortgage Company requires you to have it that way . In that case , an escrow account is set up and the future renewal payments will be drawn from that account when your insurance company bills your mortgage company . You make the monthly installments to the bank and then they in turn pay your renewals . Many banks also handle property taxes this way as well .


Input: Is Homeowners Insurance Part Of Your Mortgage Payment?

Output: No it is not . You can however have it escrowed . You may prepay the premium each month factored into your mortgage payment and the mortgage company will pay the premium at each renewal on your behalf . Do n't be confused with mortgage insurance if you have a FHA loan . This insurance protects the lender in case you default on the mortgage .


Input: Is Homeowners Insurance Part Of Your Mortgage Payment?

Output: Not unless your lender requires it or allows it . Contact your lender and inquire about an escrow account . You may already have an escrow account for taxes . If so , see if the property insurance can be added . Most likely you will have to add the property insurance at the renewal date of the policy after you pay the annual premium in full . Then your lender adds ther escrow additional to your billing every month until next policy renewal when they have collected 1/12 of the estimated premium from you each month and can pay your policy for you . Make sure you get copies of all documents relating to this action and your homeowners carrier changes your billing method to ` escrow bill ' , they have the correct address of the escrow disbursement entity , and the correct account number of your loan to reference their bill to the escrow disbursement entity . Follow up to make sure your carrier bills your escrow company and the bill is paid . Do not wait for a notice of cancellation for non-payment of your policy to be issued . Be pro-active with all of your insurance policies and always get it in writing - especially anything you sign . If someone tells you over the telephone `` OK , we will take care of that for you ... '' , tell them to send you a confirmation -LRB- or binder -RRB- in writing with a signature .


Input: Does Car Insurance Cover A Stolen Car?

Output: Car insurance will provide coverage if your car is stolen so long as your policy includes Comprehensive physical damage loss along with your chosen liabiulity protection . So long as you have comprehensive , the settlement for your stolen car would be handled from that by your claims professional . In order to file such a claim , it is very likely that your claims professonal will need to have a copy ofthe police report .


Input: How Much Is Term Life Insurance For 30 Years?

Output: To find the cost of term life insurance for 30 years , you can go to a website that offers quotes online . If `` instant '' quotes are offered , you can change the amount and term length and compare the cost of different policies . The cost of 30 year term life insurance is higher than the cost for shorter terms , but it is locked in for 30 years at the health rating you are now . So that can save you lots of money in the long run .


Input: How Much Is Term Life Insurance For 30 Years?

Output: 30 year term life insurance is priced based on the age and health of the insured . In order to better answer this question , these two pieces of information would be necessary . You can contact an agent with this information to receive a free quote so you 'll know the cost of 30 year quote .


Input: How Much Does Allstate Auto Insurance Cost?

Output: The price of any brand of auto insurance depends upon several things . Your age is a big factor as well as your gender . Your previous driving record is going to play a big factor in the rates you get . If you have a lot of tickets or accidents you are a higher risk and will pay more . The key to saving on auto insurance is to shop the rate that YOU can qualify for with a dozen different companies or so .


Input: What Medications Are Covered By Medicare?

Output: Prescription medications are not covered by Medicare parts A or B . You have to purchase a part D plan separately . Part D plans are sold by private companies , and each one has a different list of covered medications -LRB- formulary -RRB- . The Medicare.gov website has a tool to help you identify the plan that provides the best coverage for your unique set of prescribed medications .


Input: Can A Nursing Home Take A Life Insurance Policy?

Output: If you have Term life insurance , there is no cash value in it to count as an asset in a Medicaid spend down . If you have Whole or Universal life insurance with a large amount of cash value , it may or may not exceed cash value limits of policies that you can keep while entering a nursing home with Medicaid funds . Your social worker will tell you . If your policy does have high cash value , there is a law that allows you to retain some of the death benefit and use your cash to pay for your nursing home care . Or , you can transfer ownership of your policy to someone else , if it will be at least 5 years before you need to use long term care , and if you do not have the resources to pay for it in other ways . The nursing home will not take your life insurance policy . It will be evaluated along with all your assets , if Medicaid is needed .


Input: Will Health Insurance Pay For Wisdom Teeth Removal?

Output: That is a great question ! Hopefully you have a dental policy ? That 's what normally would cover this . But your health insurance may cover some of it , depending upon the reason for needing them removed . Normal decay probably is n't going to be covered if you do n't have dental , I 'm afraid . Contact your HR person , or plan administrator and ask to be certain . Thanks for asking !


Input: Will Health Insurance Pay For Wisdom Teeth Removal?

Output: The answer to this question would depend on the reason for the removal . Most claims for extractions are sent to your dental insurance first , not your health insurance . If the wisdom teeth are what 's called ` boney impactions ' , the claim will be sent to your health insurance company to coordination benefit with your dental plan , since that treatment is covered under health insurance .


Input: Why Is Critical Illness Insurance Important?

Output: Critical illness is a broad form of cancer insurance . A good major medical plan will cover the lions share of your medical bills but there are always deductibles , copay 's and coinsurance left over to be paid out of your pocket . A good critical illness insurance plan can help you pay these bills and a lot more .


Input: Why Is Critical Illness Insurance Important?

Output: Statistics show that a great percentage will contract any of the covered illnesses and that in the many that have had these illnesses was left with no financial resources to help treat the illnesses ; therefore , not able to work , pay the bills at home , and money for treatments . Depending on carrier and type of policy payments are lump sum and tax free from 20,000 to 1,000,000 . Converage is for Heart Attack , Cancer , Stroke , and Renal Failure .


Input: Why Is Critical Illness Insurance Important?

Output: Critical Illness Insurance is important if you have a high risk of getting a serous illness due to having it run in your family , and if you do not have savings to carry you through the time of treatment and recovery . Receiving a lump sum of money via a critical illness policy can make a big difference in your recovery as you have the extra funds to spend on time to heal , try new treatments , etc.


Input: What Is Covered Under Short Term Disability Insurance?

Output: Short Term Disability covers things like childbirth , broken bones , chemotherapy , and other situations that would cause someone to be off of work for a short time -LRB- generally under 6 months , but short term disability can last up to two years -RRB- . For conditions that are likely to drag on for years , Long Term Disability Insurance takes over .


Input: What Is Covered Under Short Term Disability Insurance?

Output: Sickness and injuries are often covered under a short term disability policy but the specifics vary by company . If you have existing coverage then review the policy for information on what is covered . If you are looking for a new policy , talk to an agent and determine exactly what is covered .


Input: Does Health Insurance Cover Adjustable Beds?

Output: Does health insurance cover adjustable beds ? If it is medically necessary and you can obtain a physician 's statement that it is needed for medical reasons , it may be possible to have it covered . Otherwise , based on my 32 years of experience , typically it is not covered on individual health insurance plans prior to 2014 .


Input: What Companies Offer Medigap Policies?

Output: Many insurance companies offer Medigap policies including Aetna , UnitedHealthcare , Blue Cross and Humana . Depending on your state , there will be dozens of carriers that offer affordable options . Perhaps the most difficult choice , however , is not necessarily choosing the company , but actually selecting the specific Medigap plan that is best to purchase . An experienced licensed broker and their website can help you find and compare the best options and select the policy that is most suitable for you . With more than 32 years of experience in the business , I have found that picking the best Medigap plan is one of the biggest financial challenges for consumers that have retired , or are nearing retirement .


Input: What Companies Offer Medigap Policies?

Output: Many of the `` big name '' companies offer Medigap policies . You can find plans from all of the Blue Cross plans , Aetna , Humana , Mutual of Omaha and others . But do n't discount the smaller carriers that may be lesser known . All Medicare supplement policies with the same letter are identical in every way ... except price .


Input: What Companies Offer Medigap Policies?

Output: Several of the big insurance company names offer Medigap Policies such as Mutual of Omaha , Transamerica , Humana , AARP & United Healthcare to name just a few . It can take a lot of time to research all the companies to figure out who has the best plan at the best premium in your area . A great way to save time would be to work with an independent agent that specializes in Medigap Policies . They will be able to show you all the plans available to you in your area & help you determine which Medigap Plan is the right fit for your needs . You will not pay anything for our service .


Input: What Companies Offer Medigap Policies?

Output: There are many companies that offer Medigap policies including AARP -LRB- insured through United Healthcare -RRB- , United of Omaha -LRB- now Omaha Insurance Company -RRB- , Anthem , Humana , CareFirst , Cigna , Aetna -LRB- via American Continental or Continental Life in some areas -RRB- , Medico , Central States Indemnity -LRB- CSI -RRB- , and New Era Life , just to name a few . Which carrier you have your Medigap policy through is not the most critical item as every carrier has to pay the benefits the same way - Medigap plans are standardized meaning a plan F from company ABC is exactly the same as a plan F from company XYZ . The price of the Medigap plan and the premium rating method the carrier uses are the two biggest factors to consider . I hope the information is helpful - please feel free to contact me for assistance with your Medigap coverage and if you have any other questions . Thanks very much .


Input: Can You Claim Life Insurance As A Tax Deduction?

Output: Individuals can not claim life insurance premiums on their tax returns , as they are not classified as a medical expense . Businesses that purchase group life insurance for their employees are usually able to deduct the premiums they paid for the plan as a business related expense , at least up to the first $ 50,000 their employees receive .


Input: Can You Claim Life Insurance As A Tax Deduction?

Output: You can not claim life insurance as a deduction nor can you contribute to life insurance with pretax contributions . There are a few qualified defined benefit contribution plans that permit a portion of your annual contribution to fund life insurance , i.e. whole life 49.5 % and universal life 25 % .


Input: How To Claim On Renters Insurance?

Output: If you are sued call your insurance company immediately . Your policy probably has a toll-free number for the claims office . If you suffer damage to your property you might want to discuss the claim with your agent before filing a claim . Sometimes the recovery will be insignificant after payment of the deductible . If you file the claim you could be charged a point which would raise subsequent premiums . It is just good to talk that through before notifying the claims department .


Input: What Is Critical Illness In Insurance?

Output: Critical illness insurance is like life insurance but is a living benefit . Most policies will pay out on some type of health event like Stroke , Heart Attack , Cancer , and others . It usually pays a specified amount to the policy holder to take care of medical bills , lost income , additional care , or home modification .


Input: Why Is Life Insurance More Expensive For Males?

Output: For some reason -LRB- scientist and sociologists will say for a number of reasons -RRB- , the life expectancy for females is longer than for males . Since life insurance premiums are based on actuarial tables and the probability of death at different ages , the cost of life insurance for males is more expensive than for females of the same age .


Input: Why Is Life Insurance More Expensive For Males?

Output: It has to do with mortality rates . Statistically , women live longer than men . My theory after 25 years of marriage is that women drive us to an early grave , but that is just my observation . Men do have a tendency to not see their doctors on a regular basis , take more physical risks and endure more occupational stress than our female counter parts . Buy life insurance and godspeed sir !


Input: When Can You Cancel Homeowners Insurance?

Output: You can cancel homeowner 's insurance at any time . You simply notify your existing insurance company and indicate the date that you wish to terminate coverage . However , if you have an existing mortgage , your loan company may have something to say about the termination of the mortgage . And under the terms of the loan , you may not be able to end your policy without some ramifications .


Input: Does Owning A Home Affect Car Insurance?

Output: Yes and no . I said no because owning a home does not make you a better or worse driver . So , when actuaries are going through and determining premiums for losses and gains they will probably not give any significant weight to owning a home . I also said yes because if you group your home and auto together most insurers will give you a multi-policy discount . This is just a discount for doing all your business with one insurance company .


Input: Does Owning A Home Affect Car Insurance?

Output: Before the advent of the use of the use of a credit score and multi-variant rating formulas , rate making relied upon what the industry referred to as `` stability factors '' to arrive at rates . Stability factors are things like age , marital status , whether you have a job , have children , and similar types of considerations . The idea was -LRB- and is today -RRB- a person had a better chance of being profitable as a customer -LRB- from the insurer 's point of view -RRB- if you are stable . So , stability factors were things about you and your life that reflect upon your commitment to stability . Owning a house was certainly a stability factor . Today , the rate making logic is decided on a similar assumption about your stability as a customer but we lean harder on credit as an -LRB- all encompassing -RRB- indicator than we do on these other factors . However , most carriers have more than one rate that is possible depending upon answers to the stability factors that are being considered , with credit score and claims history being primary factors . Because the question is an open question subject to more than one interpretation , owning a home does enter into auto insurance from a stability point of view , and a rate point of view . Carriers understand that customers with auto or home , but not both , have more claims and cost more on claims . Those with auto and home together with one carrier will be -LRB- on average -RRB- 15-20 % less costly to insured from the claims point of view . That is why carriers offer auto-home multi-line discounts because they know the customer will be a better risk , incur fewer losses , and have losses that cost less , than the customers with only a single line of business with the carrier . So , it is true that owning a home does have an impact on auto insurance . Now , where it is n't likely to have any impact is on the policy coverage itself . Home and auto policies alike are written to provide the coverage intended so having a homeowner policy is n't likely going to impact the coverage on your auto policy . These are the three possible paths your question creates -LRB- in my assessment -RRB- so yes , having home insurance does impact auto insurance from a cost and underwriting perspective , but not from any coverage issue by and large .


Input: Does Owning A Home Affect Car Insurance?

Output: most companies give a 25 to 30 % discount on the home and 5 to 10 % on the auto policy if you place both polciies with the same company . We can thank Progressive and Geico for this discount as these carriers only want the customers auto insurance . In the past year or so both companies have partnered with a home insurance carrier to bundle .


Input: When Do You Have To Have Health Insurance By?

Output: As of 2014 , it will be against the law to not have qualified health insurance in place . Although the penalty is not substantial -LRB- less than $ 100 for an individual -RRB- , it will start increasing the following year . If you 're young and healthy and unlikely to utilize the policy , you can minimize your cost by selecting a `` Bronze '' contract . You may also be eligible for a federal tax subsidy that could save you money . A broker will help you quickly find the best options . As brokers , we charge no fees and provide the expertise to `` navigate '' the confusion of Obamacare .


Input: Why Do They Take Blood And Urine For Life Insurance?

Output: Why do they take blood and urine for life insurance ? Because tests on both blood and urine provide a wealth of information about a person 's current health . Just as your regular doctor would do , the labs produced from these two draws provide information on organ function levels , blood sugars , cholesterol and other body chemistries . Sort ofa snapshot of your health on a given day .


Input: Why Do They Take Blood And Urine For Life Insurance?

Output: These exams are taken to test for certain illnesses and precursors to illnesses . Many diseases can be discovered through blood samples and urine because the labs test for certain abnormalities in the blood , sugar levels , etc. . In some cases , the lab may find things that your family doctor has n't detected or even tested you for . Also , as stated before , drug abuse may be uncovereded through these exams . All these factors affect insurance underwriting and rates . The less healthy you are , the higher the risk for the insurance company to put coverage on you .


Input: Why Do They Take Blood And Urine For Life Insurance?

Output: The life insurance company takes blood and urine tests during the life insurance application process in order to test for a number of things . They are looking for evidence of heart disease as indicated by cholesterol and other lipids , diabetes as evidenced by glucose , liver function , kidney function , blood diseases , tobacco use , drug use and HIV , among others .


Input: Why Do They Take Blood And Urine For Life Insurance?

Output: This is designed to test for tobacco , drugs , and sexually transmitted disease such as HIV . A famous basketball player discovered he had HIV through an insurance exam . By doing blood and urine it helps the company putyou in the proper rate class . If you are clean this can be a benefit and save you money on your premium byhelpingyou qualifying for super-preferred rates .


Input: Why Do They Take Blood And Urine For Life Insurance?

Output: Life insurance requires a determination of an applicants medical condition . Collecting samples of blood and urine can test for a battery of health items that may point to a condition that has mortality ramifications . The longer the life expectancy the lower the premiums for the death benefit . Conversely , the shorter the life expectancy , the higher the premium .


Input: Will Homeowners Insurance Cover A Tree Falling On My Car?

Output: Your homeowners insurance would not cover this sort of incident , but your auto insurance may if you have comprehense insurance coverage less your deductible . Read your policy completely to understand the coverage provided and any exclusions that may be contained within or contact your local agent to have them go overth policywith you .


Input: Can I Have Medicare And Medicaid?

Output: Yes . Eligibility rules for Medicaid is going to vary by state . Medicaid can help pay for services and costs that Medicare does n't cover . When you have both programs , Medicare pays first and Medicaid will pay second . If you qualify for Medicaid in your state , you automatically qualify for extra help paying for your Medicare Part D prescription drug coverage .


Input: Who Provides The Best Long Term Care Insurance?

Output: There are many top-rated carriers that provide affordable , but quality long-term insurance coverage . The key is finding an experienced full-time broker -LRB- or financial planner -RRB- that will help you compare your best options . Your budget , health , and other factors will be taken into consideration and you 'll be working with the best available resource . Part-time employees , radio/tv/media workers and unaffiliated and uninterested persons can not provide the expert guidance that you need .


Input: In What States Is Car Insurance Not Required?

Output: Virginia does not require you to carry car insurance as long as you pay an uninsured motor vehicle fee to the state . New Hampshire and Mississippi will offer vehicle owners the option to post a cash bond . All other states will require you to maintain auto insurance to operate a motor vehicle on the roadways .


Input: Does Renters Insurance Cover Basement Flooding?

Output: Renters insurance will not cover flood damage . Some renters policies may offer sump pump and sewer back up coverage at an additional cost . Flood insurance is sold separately and requires an agent be licensed to sell it . If you feel you need flood insurance coverage I would suggest contacting your local agent and discussing it with them .


Input: How Long Does Life Insurance Underwriting Take?

Output: Life Insurance underwriting takes as long as it takes the life insurance underwriter to collect all the data needed to approve your policy . If you apply for a policy that does not need any exam or medical records , the process may take less than 24 hours . If they do not require an exam but can order medical records , it will take as long as it takes you or your doctor 's office -LRB- s -RRB- to provide those records . If they require an exam , you will not be approved until at least 3 days after you take the exam . In other words , the faster you and your doctor 's office -LRB- s -RRB- respond to the underwriter 's requests , the shorter the time it generally takes for your policy to be approved . However , things can get held up if life insurance companies get behind , the paramed examiner will not work with you to set up your exam , your doctor 's office is slow to provide your medical records to the life insurance company , and/or additional medical records must be ordered weeks or months into the process . Above all , a good Case Manager who regularly communicates with you and the insurance company can shave time off the underwriting process . Using an agency that has great customer service may not only help speed things up , it may be the key to getting your life insurance put into effect , period .


Input: How Long Does Life Insurance Underwriting Take?

Output: How long can underwriting take ? Anyway from a few days to several months . Some plans do not do a deep search and may only take a day or two . Expect to pay a lot for coverage from companies who offer these plans . They 've already assumed yes answers to the unasked questions . Most fully underwritten plans will take about 60 days from application submittal to policy issue , which also is reflected in the price in a positive way for the purchaser .


Input: How Long Does Life Insurance Underwriting Take?

Output: Guaranteed and simplified issue can take up to a week with life insurance companies who are leaders in jet issue . Conventional underwriting has time components to the process . The first is gathering all requirements for review . The second is the review process , which from company to company can be as much as a 30 day difference . The third is the final underwriting offer and acceptance by the owner of the policy . The best scenario with all requirements received is generally 30 days . The worst wait with all requirements received can be 90 days . During the fourth quarter these times can be acerbated by an increase in end of the year underwriting due to impaired risk submissions .


Input: Where Do I Sign Up For Medicare Online?

Output: That is a great question ! You can go directly to the Government 's site for Medicare , WEBSITELINK to enroll . I will not lie , it looks confusing , but it is really very simple . Look for the drop box that is what you are looking for , and follow the prompts . If you are not very computer savvy , have a family member you trust help you , or as Jason suggested , your Social Security office case worker . If you need help , please contact me , and I 'll be happy to help , okay ? Thanks for asking !


Input: Where Do I Sign Up For Medicare Online?

Output: If you are signing up far enough in advance then SSA.gov will make it easy for you . If you are in a time crunch and getting close to the effective date you may want to visit your local Social Security office . However , signing up for Medicare Part A & B will not cover everything for you . I suggest looking into a Medicare Supplement plan to cover what Part A & B does not . There are many plans out there so I suggest contacting a independent agent that specializes in Medicare Supplement plans . They will be able to save you a lot of time and money picking the plan that fits your needs the best .


Input: Where Do I Sign Up For Medicare Online?

Output: You can sign up to receive Medicare benefits on the social security administration website , ssa.gov . I believe you can click on `` Medicare '' under the benefits tab . There should be some easy instructions there that will walk you through the sign up process . Signing up online is preferable for those applying during their initial enrollment period -LRB- 3 months before age 65 , the month you turn 65 , and the 3 months after you turn age 65 -RRB- . If you 're applying under special enrollment , I recommend going down to your local social security office to get your paperwork processed . Please feel free to contact me with any other questions . Thanks very much .


Input: Does Getting Auto Insurance Quotes Affect Credit Score?

Output: The auto insurance company may request a copy of your credit report in connection with a quote for coverage . Many carriers use credit scores to determine the premium rates to charge each driver . A soft inquiry would be logged on your file . This differs from a hard inquiry which is associated with credit seeking activity . Soft inquiries are not a factor in determining your credit score .


Input: My son is 18 and living at home and my daughter is 20 living at home. Do I need to insurance them or just the vehicles?

Output: An auto policy insures an automobile . The automobile is registered to at least one member of a household . The entire household is insured while operating that vehicle . You can exclude a poor driver . If excluded the driver can not operate any vehicle registered to the household . If a covered driver operates an auto that is not registered to the household , coverage is extended in the event the loss in an accident exceeds the limits of the policy covering that vehicle .


Input: My son is 18 and living at home and my daughter is 20 living at home. Do I need to insurance them or just the vehicles?

Output: Any person of driving age that lives with you needs to be listed on your auto insurance policy . If not , a claim could be denied if one of them were to get in an accident . A lot of people have ended up in hot water over that before . Now , if your kids NEVER drive your vehicle , you can list them as an excluded driver -LRB- not all companies allow excluded drivers but most do -RRB- . This will not affect your rates because they are excluded from coverage . However , be very careful with that too ! Excluding a driver means that there 's no coverage whatsoever with that driver behind the wheel . Not in an emergency , not on prom night ... . never ! If they cause an accident as an excluded driver , YOU are on the hook as the vehicle owner . So be warned !


Input: My son is 18 and living at home and my daughter is 20 living at home. Do I need to insurance them or just the vehicles?

Output: My first question is who owns the vehicles . If the cars are registered in the kids names most insurance providers will not allow you to add their vehicles to your policy unless they are co registered . Otherwise any household operator either needs to be listed to be covered under the policy or excluded .


Input: Does Geico Have Homeowners Insurance?

Output: Geico is a National Automobile Insurance provider ; the insurance company does not underwrite Home Insurance . However , they have a wholly owned subsidiary insurance agency which brokers out home insurance to other insurance companies . Since you will not receive a multi lines policy from an insurance company if your home and auto are not with the same carrier ; you would be better informed if you were to purchase the auto insurance from Geico and purchase the home insurance directly from a discount home insurance company . An online format to obtain a quote and buy home insurance online has been discovered ; it may be used by Escrow Professionals , Mortgage Professionals and directly by Consumers . This link is an exemplary online experience for all ! WEBSITELINK


Input: How To Find Out What Life Insurance Someone Has?

Output: I feel like the poster child for this question with my father recently passing away at age 84 with 5 small , obscure , life insurance policies for which my mom just got paid . One was taken out when he was 16 years old from a company that we never heard of . I entered the name of the original company in a search engine and quickly found the name of the company now in charge of the policy . Our funeral director tracked it down . If you have the name of the company , you will find the money . If you do not have the policy number or do not know whether the deceased person even had life insurance , you can start by digging in their records and talking to relatives to see if the deceased person mentioned any to them . I have had calls from people who found my email on their relatives ' computers , asking if their loved ones had responded to the quotes I had given them . If all fails , life insurance that goes unclaimed can end up in the files of the state where it was purchased , after a few years . Check out this website for more information : WEBSITELINK


Input: Mother had a policy on her nephew and recently passed. Now insurance company says that her nephew is now the owner of the policy. Can this happen?

Output: It does depend upon the specific circumstances when the life policy was purchased 38 years ago . It is not unusual for this to happen on most policies on minor children . Your mother was the owner and her nephew the insured . If the owner dies before the insure , the life insurance company has no choice but to make the insured the owner . Your mother can not name anyone else as owner , so I 'm not sure without full cooperation of the nephew , this will remain the same . Life insurance proceeds are outside of the will .


Input: Mother had a policy on her nephew and recently passed. Now insurance company says that her nephew is now the owner of the policy. Can this happen?

Output: This could happen if your mother 's nephew was named as a contingent owner on this policy . She may have set it up that way just for a time like this , when she was no longer alive to pay the premiums . That way , he could then own his own policy and pay his own premiums . He would also then choose his own beneficiary .


Input: Who Is Western National Life Insurance Company?

Output: If you want to know more about any particular insurance company , I recommend going to a resource that can give you independent information or ratings . For example , if you were buying a microwave , I would suggest Consumer Reports . You can research most insurance companies through AMBest.com , WeissRatings.com , or StandardandPoors.com . `` I am a Farmers agent but my posts are my own and are not statements by or for Farmers . ''


Input: Who Is Western National Life Insurance Company?

Output: Western National Life Insurance Company -LRB- WNL -RRB- merged into American General Life Insurance Company -LRB- AGL -RRB- on December 31 , 2012 . Their corporate office is in Amarillo , TX . They offer many different types of annuities and single premium life insurance . Their annuities include : single premium , flexible premium , single premium immediate annuity and single premium delayed annuity .


Input: How Often Will Medicare Pay For A Glucose Meter?

Output: Most diabetic supplies are covered under Medicare Part B including blood sugar monitors , test strips and lancets . Medicare sets a limit on the number of lancets you can get during a 90 day period . If you need more your doctor must certify they are medically necessary . Medicare will not pay for any supplies -LRB- icluding monitors -RRB- sent to you directly that you did not order . You should always use a Medicare approved DME supplier that accepts assignment .


Input: Is Variable Annuity A Security?

Output: That is an excellent question ! Unlike fixed annuities or indexed annuities , yes , variable annuities are considered a security . The agent needs to have a securities license to sell you one , and you will have all kinds of authorities looking over the process to ensure that it is right for you . These can be very risky investments , so please be sure that you understand what you are buying . Thanks for asking !


Input: Is Variable Annuity A Security?

Output: FINRA governs the sale of variable annuities . This association implements the directives of the Security and Exchange commission . Your state insurance commissioner supervises the activity of the agent selling that annuity because it is an insurance product . The idea behind a variable annuity is to participate in the rise and fall of a group of securities that matches your tolerance for risk .


Input: Is Variable Annuity A Security?

Output: Is a variable annuity a security ? Yes , a variable annuity is subject to the same rules and oversight of the SEC that a security would be . A person selling variable annuities must be securities registered and comply with all the transaction rules established by FINRA and the SEC . One other thing to think about if you 're considering a variable annuity is that the RISK in type of product is more along the lines of a stock purchase than a nonqualified product like a fixed annuity .


Input: Is Variable Annuity A Security?

Output: A variable annuity is a security governed by the SEC and sold through FINRA registered representatives hold at least a series 6 and 63 license . It also has an insurance component to it as well . And to the extent that it is an insurance product is subject to the department of insurance jurisdiction .


Input: Is Homeowners Insurance Cheaper For New Homes?

Output: It may be . Normally newer construction is more accurately priced for reconstruction valuation when you are seeking a quote for coverage . Newer homes are typically less prone to some incidents that occur in older homes because of the age and deterioration of material or lack of maintenance to the premise . Every carrier sets there own rates for the geographic locations that they have a presence in and in some cases may weigh the risk of new construction and some older construction the same . Contact a local agent to discuss coverage availability and pricing within your area .


Input: What Is Unscheduled Personal Property Home Insurance?

Output: A homeowners policy provides a stated amount of coverage for personal property . This is `` unscheduled personal property . '' There is an option to purchase a floater where specific items will be insured to full value , and the deductible is not charged . This is called scheduled property . Not all property can be scheduled . It must be replaceable and the value set by a competent appraiser . This type of coverage is used most frequently for jewelry because the homeowners policy has a limit for coverage for jewelry .


Input: What renters insurance covers the entire U.S. no matter where you are living?

Output: Renters Insurance is available for tenants in all States . Renters Insurance Policies cover personal property , additional living expenses , personal liability and medical payments to others . Renters Insurance can be purchased by tenants renting houses , apartment units , condos and townhomes . Renters Insurance is transferrable from one rental unit to another when the insured moves ; however , it is not transferrable across State lines since policies need to be rewritten according to State Department of Insurance regulations which are different in each State . Stillwater Insurance Group offers the most affordable options for renters ; there is also an online self service renters insurance platform available directly for clients ' use : WEBSITELINK Using the above link , you may obtain a free quote and purchase your insurance contract directly online . For further questions regarding any details , you may contact a licensed representative at : -LRB-877-RRB- 931-3368 .


Input: What renters insurance covers the entire U.S. no matter where you are living?

Output: Because the regulation of insurance is a state responsibility a different policy must be selected any time you move to a different state . Many companies operate in most or all of the states so this doesnt have to be a big problem just call your insurance company to determine if they can cover you in your new place and they will arrange for an agent to contact you .


Input: What Life Insurance Builds Cash Value?

Output: The actual cost for providing insurance for one year increases as an individual ages . In order to provide a level death benefit in exchange for a level premium , insurance companies must charge more at the younger ages to offset the cost at the older ages . This extra money becomes the cash value of a permanent life insurance policy . Permanent life insurance policies come in several stripes depending on guarantees included in the policy . The company will surrender the cash value at any time in exchange for a release from the companys promise to pay the death benefit . They will also allow the owner to borrow against the cash value of the policy .


Input: What Life Insurance Builds Cash Value?

Output: To clarify the question : what life insurance can build cash value ? Generally , there are four types of cash value products that could generate accumulating cash values : Current Assumption Universal Life , Indexed Universal Life , Variable Universal life and Participating Whole Life Insurance . The performance of interest rates , indices and market equities may or may not credit any earnings and life insurance has policy expenses . Each policy owner must assess their risk tolerance for each type of life insurance contract . Participating whole life insurance base policies have guaranteed cash values . Lastly , a few guaranteed universal life insurance policies have some cash values in the later years , but should not be considered as a cash accumulation vehicle .


Input: When Is Life Insurance Not Necessary?

Output: Some people -LRB- my husband included -RRB- feel that life insurance is not necessary if they have saved up or invested enough money to cover any needs that might arise . I disagree in the respect that savings and investments can be depleted on medical bills , long term care costs , or other large expenses . Whereas life insurance pays out at death , so it is protected from being exhausted prior to death , and can pay off even bills or final expenses after savings run out .


Input: When Is Life Insurance Not Necessary?

Output: If you do not own anything and have no family then life insurance may not be necessary but keep in mind someone will have to pay the cost of disposing of your body , either by creation or burial in potters field . My opinion is that everyone should at least have enough insurance or money set aside to pay for the cost of cremation .


Input: When Did Medicare Part D Become Effective?

Output: January 1,2006 was the effective date for Medicare Part D. Coverage can be obtained by enrolling in a PDP -LRB- Prescription Drug Plan -RRB- or a Medicare Advantage Plan -LRB- MAPD -RRB- that covers medical/hospital/prescription drugs in one plan . I recommend contacting an independent agent who specializes in Medicare plans to help determine the best plan for your specific needs ...


Input: When Did Medicare Part D Become Effective?

Output: Medicare Part D became effective on January 1 , 2006 . It is available to persons enrolled in Medicare Part A and B for prescription drug payment assistance , by joining a PDP -LRB- Prescription Drug Plan -RRB- . Or you can join a Medicare Advantage Plan -LRB- MA -RRB- that covers services and drugs in one plan .


Input: What Is Wrong With Fixed Index Annuities?

Output: Fixed annuity products are not wrong in and of themselves . There are poorly constructed and low crediting rate annuities to be sure , but there are good ones as well . The annuity policy is only as good as the insurance company behind them and the annuity has to fit the product suitability of the policy owner .


Input: Can A Corporation Pay For Disability Insurance?

Output: The business can pay for short or long term disability insurance in a employer sponsored group plan . But some corporations do n't carry long term disability in their group plans , so they offer long term disability to their key executives as an extra retention benefit . They may be able to deduct the premiums , however if they do the benefits may be taxable .


Input: Does Auto Insurance Go Down When You Get Married?

Output: It can go down yes , in part because of your marriage but also in part because you have added your new spouse and their car to your policy . In addition to different rating factors that a company may have filed to use you could also be taking advantage of a multi car discount .


Input: Does Auto Insurance Go Down When You Get Married?

Output: Your auto insurance often reduces when you get married , although there are a few factors that impact the discount . If you are very young -LRB- under age 30 -RRB- , the reduction is likely to be larger . At older ages , there may not be much of a difference . There are many additional discounts that can reduce your premium . As experienced brokers , we shop all of the top-rated companies and find the lowest prices , so you can save !


Input: How To Become A Life Insurance Underwriter?

Output: To become a Life Insurance Underwriter it is helpful to first earn a Bachelor 's Degree in a business or math related field . If you want to go on to become a Senior Life Underwriter , getting a Master 's Degree will be helpful . Some positions do not require these degrees , but having them can help you get a job and advance in your job . You will need to be certified at some point . The CLU -LRB- Chartered Life Underwriter -RRB- designation from American College consists of passing 8 exams and earning this designation would set you apart as one of the most qualified professionals in the industry . Working in a life insurance home office would also be helpful to gain experience and work your way up to becoming a Life Insurance Underwriter .


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

Output: Car insurance needs to be obtained by the legal owner of the vehicle . You can not insure a car that you do not own . However , with the owners permission you can pay for the car insurance and be listed as a driver if you will be driving the car on a regular basis . Parents do this a lot for children who need help getting started on their own .


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

Output: If you do n't own the car then typically you ca n't insure the vehicle , you do n't have an insurable interest . If you are worried about having liability insurance when you drive other peoples vehicles then there is a type of policy you can purchase called a broad form policy . It provides you with liability coverage and does n't cover a specific vehicle . Understand that broad form insurance does not give you the option to purchase physical damage coverage such as comprehensive andcollision . If you were at fault in an accident , repairs to the car would not be covered .


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

Output: As long as you are an authorized driver of that vehicle and the vehicle 's owner has coverage on the vehicle and you reside at the same premise as the vehicle owner you should be able to secure liability coverage for yourself on that vehicle . Contact a local agent to find out more about coverage availability and pricing in your area .


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

Output: One of the fundamental principals of insurance is that you must have an interest in the item before it can be insured . So the basic answer is no , if you do not own the car and have no interest in the car , then you can not purchase insurance for it . However , there are different interests you can have besides ownership like renting or borrowing . If you have a long term rental agreement you can get insurance or if you are borrowing someone elses car for a long time you can get insurance . In either scenario you will have to coordinate your insurance coverage between the rental agency and the actual owner of the car .


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

Output: Yes , if you drive the car regularly then you want to get a Non-Owned auto policy . This is common for example if an elderly parent who does not drive owns the car but you use the car . Talk to a good local independent agent to find a competitive auto insurance plan that will meet your needs .


Input: Who Should Buy Long Term Care Insurance?

Output: A better question would be `` Who Should n't Buy Long-term Care Insurance '' ? Thats simpler to answer . The following people should NOT buy long term care insurance : 1 . Those that can not afford the premium on even a base policy . 2 . Those that have virtually no assets to pass on to the next generationand will need every available dollar saved for retirement . 3 . Those that will have to work until they die for lack of savings and insufficient Social Security payments or private pension . 4 . Those that can not medically qualify . 5 . Those that are already unable to perform regular daily activities of living without assistance . People in those conditions may qualify for the payment of long-term care through Medicaid -LRB- MediCal in California -RRB- if they come to a point in their life where they need care and ca n't afford it . If the above conditions describe you in any way , you should be sitting down with your adult children or closest relatives and coming up with a plan of action should you be unable to take care of yourself . Everyone else should consider buying some long-term care insurance through an agent or agency that either specializes or has a specialist that is experienced in handling long-term care insurance casework . Having some amount of insurance is better than having none . When one qualifies to receive payments from the insurance company for long-term care , they are usually near the end of their life . The average long-term care claim is approximately 2 - 2.5 years . For those that need care longer than that , virtually all but the most unusual claims are paid out after 5 years . Families with a history of late-life mental illness -LRB- dementia or Alzheimers -RRB- should consider buying a larger pool of money than others , if they can afford it . It is in the best interest of the adult children to help out with long-term care premium payments if the elderly parents can not afford to pay all of the costs . Long-term care is an emotional , psychological , sociological , and family problem as much as it is financial . For the dignity of those who need care and the people or person most likely to be the caregiver , there needs to be a plan of action determined and long-term care insurance should be a part of that plan if it can be afforded and the person is medically qualified . Long-term care insurance is best purchased when young . Premiums can and will go up during the life of the policy if all the bells and whistles are included in the design of the coverage . But , those increases will seem like pocket-change if one needs long-term care . $ 80,000 per year is not unusual for facility care today . 24/7 home care can exceed $ 20,000 per month ! With family help , home care costs can be kept down . But , if facility care is required , there 's not much that can be done about avoiding high costs . Long-term care costs vary by place . The left - and right-hand coasts are the most expensive . Relocation may be necessary to get affordable care in a quality facility .


Input: How Do I Meet My Health Insurance Deductible?

Output: Your health insurance deductible is the amount that the covered individual must pay out of their own pocket before the health insurance plan begins paying for covered health care expenses . Deductibles can vary from one insurance policy to another . As an example , let 's say you have a health insurance policy with a $ 2000 deductible followed by 100 % co-insurance coverage after that amount.You are thenhospitalized for heart surgery under this policy and the total bill is $ 50,000 . You would be 100 % financially responsible for the first $ 2000 of that bill -LRB- your deductible -RRB- and the health insurance carrier would pay the remaining $ 48,000 . You have `` met '' your deductible by incurring expenses in excess of your plan 's deductible . As many healthcare providers and hospitals will tell you , there is a difference in someone `` meeting '' their deductible and actually paying their deductible expenses . So , inour example , as long as the policy holder keeps paying their health insurance premiums their health insurance will remain in effect even if the policy holder pays none or only a portion of their $ 2000 deductible amount . This is why a growing number of consumers are receiving demands for upfront payment of their deductible and co-insurance cost sharing amounts from some healthcare providers before they will provide services . I just had a friend ask me about this very situation for one of her coworkers who had recently learned she was pregnant and who was told by their OB/GYN that they wanted payment for the person 's $ 1500 deductible and their 30 % co-insurance cost sharing for the OB/GYN to provide their services to that person .


Input: Does Homeowners Insurance Cover Leak In Roof?

Output: It may . It will primarily depend onwhether the leak was the result of a covered loss or not . Under normal circumstances and the leak not caused by a covered event ; the leak would more than likely not be covered . Please remember every policy is different . Please read your policy completely to understand the coverage provided and learn of any exclusions contained within or contact your local agent to have them go over the policy with you .


Input: Why Has Homeowners Insurance Gone Up?

Output: Homeowner 's insurance premiums have gone up because the average coverage on homes has increased over the years . Not only are dwelling amounts increasing , but the personal property and other parts of the policy have higher amounts . Liability costs and medical cost are higher than they were in the past and that has increased costs . And of course , national disasters -LRB- such as the recent tornadoes in Oklahoma -RRB- continue to cost billions of dollars to insurers .


Input: How To Get A Medigap Policy?

Output: You can buy a Medigap policy through a Medigap insurance agent - I highly recommend doing it through an independent agent who can shop your case among many carriers instead of just 1 or 2 through a captive agent -LRB- agents who are basically employees of a specific company -RRB- . You can apply for a Medigap plan up to 3 months before your Medicare Part B effective date - you must have both Medicare Part A & Medicare Part B to buy a Medigap plan . Once you have an established Medicare Part B effective date , you will have a 6-month open enrollment period to buy any Medigap plan from any carrier with NO medical underwriting - this is THE BEST time to buy a Medigap plan . After this point , you can buy a new Medigap plan whenever you would like -LRB- there are no annual enrollment periods for Medigap plans -RRB- , however , you would have to go through medical underwriting if you do n't qualify for a special enrollment period or a guaranteed-issue right . Determining which Medigap plan is right from you and which carrier to apply for the plan through can be a bit more involved than some may realize . It 's not all about price as some may believe . You need to look at the carriers ' premium rating methods -LRB- community , attained , or issue age rated -RRB- , their rates , their rate increase history , their service history , and other factors . I hope the information is helpful - please feel free to contact me for assistance with your Medigap coverage needs , including providing quotes and plan comparisons , and if you have any other questions . Thanks very much .


Input: How Can I Get Life Insurance On My Parents?

Output: I would assume by the nature of your question , you are an adult and your parents are aging . If you were young and dependent upon their care and income , the answer would be most definitely , they should both purchase life insurance to protect you from a financial disaster . You can purchase lower face amounts of life insurance on your parents without a large burden of insurable interest . Typically this is done for final expense or cleaning up some debt at their passing . Keep in mind even though you are allowed to own the policy , pay the premiums and be their beneficiary , the parents will be the insureds . All insureds must sign the application with full knowledge of what they are purchasing . The underwriter will want your parents health history , life style , age , etc. . Depending on the age and face amount , it is possible they will need a paramed exam for blood , urine , EKG , etc. . Just be sure they are informed of your decision before starting the process .


Input: How Can I Get Life Insurance On My Parents?

Output: To get life insurance on your parents , the first step would be to gather their health information . Ask them for their medications , dates of diagnoses , treatment dates , whether they use -LRB- d -RRB- tobacco and when , and their weight now and a year ago . Often adult children think they know all these details about their parents , but it never hurts to ask . Being declined for an overlooked health reason is hard on both parents and children , and can be avoided with thorough fact finding ahead of time . Once you have this information , you can shop agencies that carry senior policies and/or final expense policies to get their best price . Some of these policies will simply require your parents to sign the application ; some will require a phone interview ; and some will require an exam . If you do not know what your parent is willing to go along with ahead of time , gather quotes for a couple different types of policies to present to them . If you are applying for a large face amount , the life insurance company will require that you have a financial interest in your parents ' lives , such as you living in their house or they living in yours . Smaller face amounts for final expense purposes will not usually have that requirement .


Input: How Can I Get Life Insurance On My Parents?

Output: You can apply for life insurance insuring each parent and be the policy owner and beneficiary.They would have to be insurable.The insured parent would have to consent to the coverage and the release of medical information with their signature . While you might wish to apply for one policy on each parent , policies are available insuring both on one policy that pays at the death of the second to die , which may be a better fit for your needs and be more cost effective than two policies .


Input: What Happens If My Auto Insurance Lapses?

Output: If you live in a state where auto insurance is required in order to maintain registration , then in many cases , like here in Connecticut , the insurance company will notify your state 's Department Of Motor Vehicles -LRB- DMV -RRB- about the lapse . DMV will send you a letter for each of the cars on your policy asking that you show proof of continuous coverage from the date of the lapse . If you have not obtained coverage elsewhere , DMV will notify you that your registrations will be suspended and then also levy a fairly hefty fine .


Input: What Happens If My Auto Insurance Lapses?

Output: If your insurance lapses all coverage will cease . Any losses incurred after the lapse will not be covered . You will still be responsible for any premium outstanding on the policy . In California , the motor vehicle department will be notified . If you have a lender , the lender will be notified . At the lenders option forced coverage can be ordered . You will not be happy with the price of that coverage .


Input: Much Does Auto Insurance Cost Per Year?

Output: The cost of auto insurance will vary based on many factors . Such as driving record , geographic area , marital status , type of coverage , credit rating , just to name a few . I have seen policies as low as $ 30/mo for liability only coverage to hundreds of dollars . Contact your local agent and they will be able to provide with the coverages that are available in your area and the pricing for them .


Input: Should I Pay For Disability Insurance?

Output: If you do not receive Disability Insurance for free through your place of employment , you should most likely pay for Disability Insurance . If your paycheck is essential to maintaining your standard of living , and if you can afford to pay the Disability Insurance premiums , it is definitely a worthy expense .


Input: Should I Pay For Disability Insurance?

Output: If your ability to earn a living is important , then you should obtain disability insurance . Many employers provide `` short term '' disability insurance . taxable benefits lasting up to 6 months or a year . Long term disability policies provided by employers are generally hard to collect on , especially for a long term disability . The best individual policies provide the following benefits : 1 . The insurer ca n't increase premiums before age 65 2 . The insurer ca n't decrease benefits 3 . You will be paid if you ca n't do your regular occupation , whether the disability is caused by illness -LRB- 92 % are ! -RRB- or injury , on the job or off 4 . You will receive benefits if you ca n't work full time , or you ca n't do all the facets of your regular job , and suffer an income loss


Input: What Happens To Homeowners Insurance When Someone Dies?

Output: The homeowners policy covers the property . In that regard the policy would continue to protect the home . It would be wise to contact the insurance agent and have the insured changed to reflect the new ownership . Mortgage companies require continuous coverage so it is important to keep coverage in place .


Input: How Long Can A Home Insurance Claim Take?

Output: Great Question . First of all if you have a current home insurance claim right now open I hope you are doing okay and hope it will resolve soon . A claim is hard to say on the time it takes to close the claim . It depends on the severity of the claim and if its home claim or Condo claim . But typically the insurance company would like to close most claims in 30 days or less .


Input: What Is The Average Monthly Cost Of Health Insurance?

Output: It will vary greatly due to a number of factors including ; -LRB- 1 -RRB- current health status . How healthy are you when you apply ? -LRB- 2 -RRB- age - younger ages tend to be less expensive -LRB- 3 -RRB- tobacco use - smokers pay a higher premium -LRB- 4 -RRB- past health history -LRB- 5 -RRB- location - certain areas are more expensive to have insurance than others . I would suggest you visit a brokers website and do a quote online . You will also find carriers offer various prices due to your deductible choice , coinsurance , etc. .


Input: What Is The Average Monthly Cost Of Health Insurance?

Output: The average monthly cost of health insurance depends on many variables . Among the biggest factors influencing your rate are your age , where you reside -LRB- state and zip code -RRB- , your smoking status , what health conditions you have , and the type of benefits your policy will offer . For example , a single healthy young person in Ohio could pay as little as $ 25 per month for a short-term plan , since prices for health insurance in Ohio are very affordable . Conversely , New Jersey medical coverage prices will be substantially higher , as will most other states . Allow an experienced broker help you shop and compare . Our websites also are typically very helpful to consumers shopping for healthcare coverage .


Input: What Is Impaired Risk Life Insurance?

Output: Impaired Risk Life Insurance is just regular life insurance used to cover people with health conditions or other risk factors . Agents who specialize in impaired risk life insurance have an extensive knowledge of health conditions and have become aware of what life insurance underwriters look at when determining whether they can approve a policy , or what health rating to give . Agencies that specialize in impaired risk life insurance carry a wide variety of products so that if their clients are unable to get medically underwritten coverage , they have simplified or guaranteed issue choices that will cover them .


Input: Can I Take Life Insurance Out On Anyone?

Output: No , you can not take Life Insurance out on Anyone . There has to be what we call `` insurable interest '' . This means you have something to lose if this person was to pass away . Insurable Interest can be a spouse or child , a business and business partner . A grand parent as well . Even a loan company can have an insurable interest as if you pass before the loan is paid , they can get the remaining balance paid . Talk to an agent or broker about who you are looking at getting coverage on so you can determine if there is an Insurable Interest .


Input: Can I Take Life Insurance Out On Anyone?

Output: That is a great question ! It is interesting to know that the laws that govern life insurance came about because of the unsavory practice of gambling on when a person would die . You and I might be sitting at the saloon , and take a dislike to a guy at the bar . We go across the street , and buy a policy on his life . We bet the policy on how many days/hours/minutes longer he lives , with the winner taking the death benefit prize ! To protect against that , you must have that person 's permission , understanding of what they are signing , and signature . You must also be able to prove a financial loss , were they to pass . Good thing ! Thanks for asking !


Input: Can I Take Life Insurance Out On Anyone?

Output: No , you can not take a life insurance policy out on just anyone . When applying for life insurance , the two big conditions that must be met are 1 -RRB- the insured person has to agree to the purchase of a life insurance policy on their life and 2 -RRB- there must be an insurable interest . A carrier will not approve a policy if these two conditions are not met . I would recommend consulting with an experienced broker to determine if the life insurance policy you want to buy is acceptable . Brokers can also shop the case for you to see which carrier will work best for your program . I hope the input is helpful - please feel free to contact me for help and if you have any other questions . Thanks very much .


Input: Can I Take Life Insurance Out On Anyone?

Output: No , very sorry , you can not take life insurance out on anyone . There are several criteria that must be met . The first one is there must be an insurable interest . Meaning a loved one , family member , business partner or key employee . In other words , you would incur a financial loss at the insured 's sudden death . Next you must have that persons knowledge and permission in order to insure them . They must have a legitimate need for life insurance and have reasonably good health to qualify for coverage , because that person has to go through underwriting .


Input: Can I Take Life Insurance Out On Anyone?

Output: At one time it was a common form of gambling to take out an insurance policy , particularly on a sailor , just before he ships out on a journey . That is not possible any longer ; however , there is a secondary market of life insurance policies where the owner of an insurance policy can sell it to a third party who hasnt an insurable interest . It is usually done to secure cash to pay medical bills of a terminally ill person .


Input: Why Is Auto Insurance Expensive?

Output: Several factors affect car insurance rates , among them claims and violation history within the last 36 months , the age of all drivers in the household , the location of the risk , type and value of vehicle being insured , marital status of the insured and drivers , credit rating of named insured in Maryland and most states , use of vehicle , These discount may also impact your rates : prior insurance home owners good student multiple car marriage prior higher liability limits at least 6 months of prior coverage educational level profession and job type length of time licensed


Input: Why Is Auto Insurance Expensive?

Output: Auto insurance rates are based on several factors . The clients driving history and experience , location and type of vehicle . Now there are other things taken into consideration which would be multi-packaging polices with the same company , multi-car , education and so on . An insurance company will take all this information and make a calculated rate based on all this criteria to determine a premium . So for example if you are a single male 25 years old who has been driving since 16 with no tickets or accidents and a college graduate driving a 2013 BMW the insurance company will take this information and come up with a rate . Now lets say the single male wants collision and comprehensive coverage and at least 100/300/100 liability limits on his policy for his $ 40,000 vehicle . The insurance company says if you pay us $ 600.00 for six months -LRB- just a number I made up -RRB- we will insure your car is covered up to the actual cash value and we will pay for any property damage you cause and bodily injury up to the limits you purchased . In a worst case scenario the single man can cause an accident -LRB- assuming he is liable -RRB- that could pay out as much as $ 440,000 . I would say this is a pretty inexpensive way to protect yourself .


Input: Why Is Auto Insurance Expensive?

Output: Insurance companies are a little more expensive because of the rising cost of materials as well . You dont want an insurance company that can not pay a claim . They fluctuate to compensate for the rising cost in materials and labor to fix your vehicle . As long as your rates dont go up too much , then it should be ok . It only goes up quite a bit when you have tickets or accidents .


Input: Does Health Insurance Cover A Nose Job?

Output: Only in the event of it being medically necessary which is no small challenge to establish . You would have to have a severely deviated septum or similar condition that was seriously affecting the ability to breathe and probably to sleep . All other less invasive courses of action would almost certainly have to be exhausted first before such surgery would be approved . A nose job for cosmetic purposes would not be covered by health insurance .


Input: Life Insurance What Does AD&D Mean?

Output: Accidental Death and Dismemberment Insurance Normally , AD&D is a rider attached to a life or health policy that gives benefits in case of death by accidental means or provides a set income in case of loss of certain body parts . AD&D riders are usually written so the insurer will pay double the payable amount in case of accidental death . These are sometimes known as double indemnity riders .


Input: Life Insurance What Does AD&D Mean?

Output: AD&D stands for Accidental Death and Dismemberment . While AD&D can be a rider that pays extra if the insured person dies from accidental death , some policies are stand alone AD&D policies . These AD&D policies that are not connected to a life insurance policy ONLY pay if the insured person dies from accidental death . I.e. they will not pay anything if death is due to illness or old age . So be very careful that you know what type of policy you are getting if you see AD&D in the description .


Input: Does renters insurance cover bed bugs?

Output: If you find your home infested with bed bugs , will your renters insurance policy cover the clean-up and debugging expense ? In most cases , the answer is unfortunately no . The majority of renters insurance policies will cover the following general perils : - Fire damage - Damage as a result of a natural disaster ; windstorms , hail , lightening -LRB- flood damage is often not covered by most policies -RRB- - Smoke damage resulting from fire within the unit or from nearby units - Vandalism - Burglary/Theft - Damage caused by a fallen roof ; often caused by water , snow and/or ice build up - Damage from appliances ; water heaters , steam heaters , air conditioners - Fallen objects - i.e. trees , power lines - Freezing of plumbing , heating or air conditioning pipes But , most renters policies currently exclude vermin infestation , which encompasses bed bugs , despite the recent rise in reported incidents nationwide . Bed bugs can become expensive guests , causing a damage and costly clean up -LRB- debugging , steam cleaning and the cost of relocation during the clean-up -RRB- . Plus , they spread to other homes around the infested area quickly through animal and human transfer . Until renters policies begin to cover bed bug infestations , the best plans of attack are prevention and to build a rainy day fund for general home emergencies .


Input: What Is Embedded Value In Life Insurance?

Output: Not sure what you mean by `` embedded value '' in life insurance . Life insurance pays a death benefit that is normally income tax free to the beneficiary . In addition , for permanent policies , after the first few years , there may be cash surrender value available in the event the policy is `` cashed in '' and coverage canceled by the policy owner . Or , a portion of the cash value can be borrowed from the policy and coverage maintained .


Input: What Is Embedded Value In Life Insurance?

Output: Embedded value in a conservative life insurance accounting term the measures the present value of future profits -LRB- PVFP -RRB- and adjusted net asset -LRB- ANAV -RRB- value , i.e. ANAV + PVFP = EV . It is used in stock life insurance companies in an attempt to assess a companys worth to predict shareholder value .


Input: Is Disability Insurance Earned Income?

Output: Disability can be purchased in basically two ways : non deductible and deductible premiums . The conventional disability insurance policy is purchase with after tax dollars , so the benefits generated at the time of the claim are tax free . Tax deductible disability premiums need to qualify under the terms of the IRS , but if they qualify for tax deductible status , then they 're benefits at claim are taxed as ordinary income .


Input: How Long Does A Car Insurance Company Have To Settle A Claim?

Output: The claims settlement process can vary depending upon the extent and severity of the loss . For example , a fairly simple collision loss with no other property damage or bodily injury can usually be settled within anywhere from a few days to a couple of weeks depending upon the schedule of the body shop and availability of parts . If additional property damage is involved either with another car or a building or the like , it could take a bit longer and certainly if there is bodily injury that results in a law suit , then those settlements can take upwards of a few years .


Input: Does Auto Insurance Cover Hit And Run?

Output: In Illinois damage to the car you are driving caused by a hit and run driver is covered under the collision portion of the policy insuring the vehicle . Again in Illinois , when you have no collision coverage , uninsured motorist property damage coverage is available , but applicable only when it can be verified that the at-fault driver has no insuance . If you are hurt , your medical coverage would apply . Uninsured motorist coverage for your financial loss as a result of injury is included in Illinois auto insurance , but again would require verification that the other party is not insured . Check with your agent . Laws vary by state .


Input: What Is CMFG Life Insurance?

Output: CMFG Life Insurance goes by the marketing name , CUNA Mutual Group . CMFG Life Insurance Company 's products go by the marketing brand , TruStage . TruStage life insurance policies are offered to credit union members as a benefit of membership in that credit union . They offer Term and Whole Life and Accidental Death policies .


Input: Will I Lose Medicare If I Get A Job?

Output: No . You can continue to receive Medicare healthcare benefits whether you go back to work or remain a retired individual . You have the option of securing group coverage again and can continue your Medicare benefits as well . Generally , in this scenario , the group health insurance pays first and Medicare pays second .


Input: Will I Lose Medicare If I Get A Job?

Output: Medicare is available and is almost mandatory for everyone over age 65 . Your employer will normally have included that consideration when the company adopted a health insurance program . You will probably be required to enroll in Medicare part A . There is n't a cost for most participants . If you are receiving medical benefits from your employer you may be allowed to defer the purchase of Medicare part B . You can usually defer that until you end your employment and lose medical benefits . It is important that you contact Medicare when you are leaving employment so that the switch to Medicare B is seamless and your coverage is at the standard price . There is a penalty if you enroll late


Input: Will My Homeowners Insurance Cover My Wedding Ring?

Output: Your homeowners insurance will cover your wedding ring if the value of the ring does not exceed the amount of insurance you have for jewelry watches and furs in your homeowners policy . For most people the base amount of insurance is $ 2500 . If the value of your wedding ring exceeds that , you should contact your agent and get your policy amended to a higher value . Keith Prim - Dallas , TX 214-435-0791


Input: Where To Buy Secondary Market Annuities?

Output: Not sure if you are still on this forum but we sell Secondary Market Annuities . However , we only sell to licensed agents . That said , I have plenty of preferred agents who work with us that can offer our product . If you would like to learn more or if you still have questions please let me know . 971-245-3425 Tyson Wright


Input: Is Blepharoplasty Covered By Medicare?

Output: Blepharoplasty is a type of reconstructive -LRB- plastic -RRB- surgery used as a treatment for drooping eyelids . These `` eyelid lifts '' could be a covered item as long as the surgery is not simply for cosmetic reasons . Your doctor needs to justify the need by measuring the `` droop '' and a visual test must be conducted to prove your vision is impaired .


Input: Who Are The Major Health Insurance Companies?

Output: There 's many many insurance companies out there in the marketplace . United Health Group -LRB- includes United Healthcare -RRB- is the biggest health insurance company in the United States and offer plans in every state . Wellpoint -LRB- includes Anthem -RRB- Kaiser , Aetna , Cigna , Coventry , and CareFirst are some of the other big name insurance companies in the country . However , not every company offers health plans in every state .


Input: How Does Obamacare Hurt Medicare?

Output: That is a great question ! There is an awful lot of misinformation , political manipulation , and muddying of the facts , so it 's really hard to see exactly what is going on . There are some good and bad things that the ACA does with its association with Medicare , and I 'll let you decide which is which . First off is you do not have any changes to your current plan , nor is it even legal for someone to tell you that you have to drop your current plan and try to enroll youin the marketplace . All current plans are grandfathered . One thing the ACA does is close the `` donut hole '' in coverage in Medicare part D . It will eventually phase out the patient cost until it becomes just the usual co-pay , increasing the likelihood that seniors will be able to afford their medications . It also expands coverage by making checkups and wellness visits -LRB- preventative care -RRB- not subject to deductible or co-pays . It does have cuts of $ 716 billion to the Medicare , mostly in the MedicareAdvantage plans that are run by private insurers . We are told that those cuts are to come from reduction in fraud , provider overpayments , and administration overhead . We are also told that the money from those cuts are being reinvested into the Medicare system , and that those reinvestments are expected to keep Medicare 's trust fund solvent until 2029 , an extra 12 years . It will also make cuts to hospitals that have higher return rates of patients by cutting the Medicare payments to those hospitals that are providing the least quality care . -LRB- Interestingly enough , that was a lead story on our news channel tonight , measuring the number of patients who returned to their hospital after treatment for infections that they got while in the hospital before their release . -RRB- Those are the bare bones of what the effects are supposed to be . How it will actually play out is anyone 's guess . Thanks for asking !


Input: Would Health Insurance Cover Therapy?

Output: Does Health Insurance Cover Therapy ? It depends on the type of therapy . Most quality group plans will cover physical , physiological or other types of therapy . If you have an individual health plan pre-2014 I would check your benefit details , because many of the old policies did not cover therapy . Post-2014 plans tend to have stronger coverage . Request your summary of benefits and Coverage to see how the specific therapy treatment is covered under your benefits . Please click the `` Contact Me '' button on the left or run a personalized quote at : WEBSITELINK Also , you can call me anytime at : 561-320-2978


Input: Who Has The Highest Fixed Annuity Rate?

Output: There are a number of questions that need to be answered before you can develop a short list of annuities offering the highest rates . Here are a few questions : Is the annuity for growth or deferred income ? What length of time are you willing to leave your money in the annuity for growth or before you trigger income from the annuity ? How much does insurance company rating concern you ? There are new annuity products coming on the market each week , so the answer could change . There are other questions to consider as well and it is best to discuss your specific needs with an independent agent who can help come up with your `` short list '' of annuities and companies to consider .


Input: How To Choose A Medigap Policy?

Output: There are 10 standardized Medigap Plans -LRB- A , B , C , D , F , G , K , L , M , N -RRB- . Each have their own set of benefits . Plan F and Plan G are the most popular because they offer the most comprehensive health care coverage -LRB- with Plan F also offering a High Deductible Plan -RRB- . It 's best to work with an independent agent who specializes in Medicare Supplement insurance . We can explain the benefits of each standardized Medigap Plan and provide you premium information from many insurance companies -- not just the carriers you see online . When I work with Medicare Beneficiaries , they often determine which Medigap Plan they want based on benefits and premium cost . If I can help you with your specific situation , please feel free to contact me .


Input: Will Medicare Pay For Symbicort?

Output: Symbicort is an inhaled steroid used to provide symptomatic relief for severe asthma and COPD patients . Symbicort is not a rescue inhaler . Medicare Part D will cover most outpatient medications including Symbicort . Each Part D plan is different . Check the formulary and compare total costs before assuming your have coverage for Symbicort .


Input: Is Disability Insurance Deductible?

Output: If you have a business with operational expenses you may be able to deduct disability insurance premiums . Keep in mind that having disability insurance deducted as a business expense can increase the amount of coverage up to 80 % of your compensation . However , any benefits paid out with be taxed as ordinary income at your effective tax bracket rate .


Input: Is Disability Insurance Deductible?

Output: For the average person with an individual disability policy , the answer is no , disability insurance is not tax deductible . However , then if a disability occurs , and the need for the policy to pay out , the payments received will not be taxed . However way you are able to set it up , either the premiums are taxed or the benefit is taxed .


Input: What Do I Need To Do To Enroll In Medicare?

Output: The easiest way to enroll in Medicare is to go to the social security website , ssa.gov , and complete the application process on their website . I believe you click on the `` benefits '' tab and then click on Apply for Medicare . From there the website should provide step-by-step directions to complete the process . If you 're applying under a special enrollment period -LRB- as opposed to your initial open enrollment period when turning age 65 -RRB- , it will generally be better to complete the application process at your local social security administration office to make sure you receive the correct effective date for your Medicare program .


Input: How Do You Get Long Term Care Insurance?

Output: Basically there are three distribution channels that sell long term care insurance : company direct , career agencies and brokerage firms . Buying direct from the insurance company or a career agency limits the comparison between polices that a consumer needs to have to make an informed decision . Brokerage firms have multiple companies and are generally more neutral in their selection process . Many brokerage firms have online portals that display comparison spreadsheets between insurance companies .


Input: How Do You Get Long Term Care Insurance?

Output: If you live in Florida , and some other states , your agent must have a certain certification in order to sell long-term care insurance . When you are looking for an agent make sure they can provide the certification for you to review . Otherwise , you will be wasting your time . The reason I know this is , I live in Florida and I have my long-term care certification .


Input: Which Health Insurance Is Best?

Output: What health insurance is the best for you ? This question is asked daily so I 'll answer it accurately and quite briefly . It depends on various factors , including your age , your zip code , the type of plan you want or need , and your household income . A licensed broker can quickly compare plans and maximize your subsidy so you are paying the lowest prices .