Input: Why Was My Health Insurance Application Denied?

Output: If you applied for Health Insurance and your application was denied , the company you applied to will have to give you a reason why it was denied . They should mail you a letter stating a reason . Since the Affordable Care Act was passed you can not be denied based on your health history , so as long as you are providing truthful , relevant info on the app , getting health insurance should be easy .


Input: Why Have Health Insurance Premiums Increased?

Output: That is a great question . The simple answer ? Because the costs of health care are rising , as are the costs of insuring an increasingly aging population . We have nearly 10,000 people a day turning 65 , and oftenas they age , they have more health issues . Our population is also increasingly overweight , and suffering from the effects of that . There are a lot more reasons , but those are the best few . Want to discuss more ? feel free to contact me . Thank you for asking !


Input: Who Pays First Medicare Or Medigap?

Output: Medicare will pay your claim first and will pay only the Medicare approved amount . Your Medigap Plan will pay second . Depending on which Medigap Plan you have will determine if you are responsible for paying any deductibles , co-insurance or co-payments not covered by Original Medicare . If you have any questions regarding your specific situation , please feel free to contact me .


Input: How Does Health Insurance For Newborns Work?

Output: If a group health plan , health insurance company , or health maintenance organization -LRB- HMO -RRB- provides maternity benefits , it may not restrict benefits for a hospital stay in connection with childbirth to less than 48 hours following a vaginal delivery or 96 hours following a delivery by cesarean section.You can not be required to obtain preauthorization from your plan in order for your 48-hour or 96-hour stay to be covered . -LRB- However , certain requirements that you give notice to the plan of the pregnancy or the childbirth may apply . -RRB- The law allows you and your baby to be released earlier than these time periods only if the attending provider decides , after consulting with you , that you or your baby can be discharged earlier.In any case , the attending provider can not receive incentives or disincentives to discharge you or your child earlier than 48 hours -LRB- or 96 hours -RRB- . If your state has a law that provides similar hospital stay protections and your plan offers coverage through an insurance policy or HMO , then you may be protected under state law rather than under the Newborns and Mothers Health Protection Act . Health insurance policies will generally cover a new born as long as you enroll your newborn within 30 days of birth . Coverage should be effective as of your babys birth date , just remember , you should enroll your baby within 30 days of the date of birth.Contact your health plan or your spouses health plan as soon as possible to find out how to enroll your new baby in group health plan coverage .


Input: Does Medicare Pay For Urgent Care?

Output: Generally Medicare does cover urgently needed care . However , without knowing the specifics of your treatment I can not give you a definitive answer . There are many different circumstances that will determine what treatments medicare will cover and what they wont cover . The best way to find out if a procedure will be covered is to contact medicare directly at 800-medicare or online at www.medicare.gov .


Input: Can You Cancel A Auto Insurance Claim?

Output: You do n't really cancel an auto insurance claim . However , you can withdraw the claim . If an investigation has begun , it is possible that it will be completed to its conclusion . If there was damage to other property or persons , your insurer will pay any obligation that it is legally bound to pay , even if you request the claim be stopped .


Input: What Is A Good Age To Buy Long Term Care Insurance?

Output: A good age to buy long-term care insurance is when you are in a good financial position and have some extra disposable income . Also , if your health is good , you 'll save thousands of dollars -LRB- potentially -RRB- in premiums . Need specific numbers ? How about between 35-50 ? As an experienced broker , that 's my best estimate . But yes , as I have stated many times , an experienced FULL-TIME broker is a great resource for this information .


Input: What Is Health And Disability Insurance?

Output: Health insurance is designed to pay providers for medical services . Disability insurance was created to pay the insured the benefit amount in the event of a qualifying disability . Disability income insurance comes in two forms : Short term disability Long term disability Short term is just what it sounds like and is inexpensive to pick up . Long term DI can cost significantly more due to the risk the carrier takes on to cover the insured for a longer period .


Input: How To Code Flu Vaccine For Medicare?

Output: To code the flu vaccine for Medicare you must specify which of the 5 vaccines were given : Q2035 Afluria Vaccine -LRB- split virus , intramuscular injection -RRB- Q2036 Flulaval Vaccine -LRB- split virus , intramuscular injection -RRB- Q2037 Fluvirin Vaccine -LRB- split virus , intramuscular injection -RRB- Q2038 Fluzone Vaccine -LRB- split virus , intramuscular injection -RRB- Q2039 NOS Not Otherwise Specified Vaccine -LRB- split virus , intramuscular injection -RRB- You must still use HCPCS code G0008 for administration of the influenza virus vaccine .


Input: Is Long Term Health Insurance A Good Idea?

Output: Long-term care insurance is probably not a great choice for the very wealthy or the very poor . The very wealthy can self-insure and the very poor would be strapped by the premiums . But for most of middle America , the very reail probability of needing long-term care at some point in their lives , and the very high cost of that care warrants very serious consideration of having a plan of long-term care a part of their portfolio . Medicare pays very little of the cost . Medicaid pays none of the cost if you have assets . And the stresses placed on family to provide that care when it ca n't be paid for are devastating . Talk to a long-term care insurance professional . And check out `` A Shopper 's Guide to Long-Term Care Insurance '' at WEBSITELINK


Input: Is Long Term Health Insurance A Good Idea?

Output: This is a great question . In my professional opinion I would say absolutely . LTC plans can cover medical and non medical care that you may need . Many people feel that Medicare will pay the cost , NOT TRUE . Medicare covers Skilled Nursing but not non-medical services i.e. help with eating , bathing , dressing , etc. .


Input: Is hypnotherapy to control urinary incontinence from radiation treatment medicare covered?

Output: Hypnotherapy would not be covered by Medicare to help control urinary incontinence . There maybe some mental health issues where Medicare will pay some of the cost for hypnotherapy but I do n't believe it will cover any of the cost for the problem you are having .


Input: Is hypnotherapy to control urinary incontinence from radiation treatment medicare covered?

Output: Hypnosis is not a covered benefit under Original Medicare . Having a Medicare supplement will not help either as Medicare Supplements will only cover services that Medicare approves . It would be theoretically possible there are some Medicare Advantage carriers that will cover Hypnotherapy but non of the more well know ones such as BCBS , United , Aetna , Humana will cover it .


Input: Is hypnotherapy to control urinary incontinence from radiation treatment medicare covered?

Output: Hypnosis may be covered by health insurance , but it varies by the policy and each situation . BlueCross BlueShield considers hypnosis medically necessary for relief of acute or chronic pain or as an adjunct to psychotherapy , but this definition is dependent to the state in which you live . Contact your current health provider for more information .


Input: How Does Auto Insurance Work?

Output: That is a great question ! Auto insurance is designed to protect you from a number of potential risks . Every driver is expected to have insurance before getting behind the wheel , and the penalties for not doing so are pretty stiff . The costs of the policies can vary widely , based on the coverage package and the amount of deductible that you choose . Thanks for asking !


Input: How Does Auto Insurance Work?

Output: An auto policy is a package of coverages . The customer can select all or some of the coverages available . The most important coverage is public liability and property damage . Your state probably requires this coverage on every car using the public roads , but since not everyone obeys the law there is another section of coverages for uninsured and underinsured drives coverage in case you are in a collision with someone without insurance or with inadequate insurance . Another major section is physical damage . Your lender usually requires that you carry this coverage . It restores your car after you pay the deductible for a wide range of events . There are additional coverages and services that are frequently included in the policy but these are the main coverages .


Input: Do I Need Private Disability Insurance If I Have A Group Plan Through Work?

Output: I personally dont think anyone should settle for a group plan through their employer . An individual contract is portable and will follow you to any future position you take . If you get sick or injured while on your group plan , and one day decide to change jobs , it will be much harder to get coverage . And unlike the coverage a group plan offers , private disability insurance benefits are tax fee ! With private DI , you can receive 70-80 % of your take home pay , as opposed to group plans that typically offer 42 % after taxes . Also , individual plans offer extra features like future increase options , partial disability or cost of living adjustments .


Input: Do I Need Private Disability Insurance If I Have A Group Plan Through Work?

Output: You may not need it if you have your own plan but the limit relies on the income adjustment for you . There is a certain percentage that the income must be adjusted to . Let Workers Comp cover you at the job for it is useful . Take out an individual disability plan that is all your own . Workers Comp is mandatory for any injury on job only while your disability policy can cover you both at work and home . I know the best companies for your situation .


Input: Do I Need Private Disability Insurance If I Have A Group Plan Through Work?

Output: Do I need Disability Insurance outside of my group plan is an excellent question . The answer , without looking at your policy is maybe . Here is why : Most of the group plans I see fall into one of two categories . The first is short term disability , the second is long term disability coverage . In many cases the employer will offer both but the employee only opts into one or the other . If you have short term DI , then my question is what happens if you are still disabled after that period which may only be up to 90 days or less ? If you have long-term DI , which kicks in after 6 months , 12 months , etc. what are you going to do before you start getting a benefit ? Last , statistically we know that people today will have 7 + jobs in there lifetime . This means , depending where you are , if you leave your job , whether voluntarily or not , these benefits do not follow you so consider getting something in place at minimum so you are not left hanging in the event of job loss . Remember , DI can only be applied for if you have a job . If you are not working , then you will not be able to get Disability Insurance . If you are unemployed , have a DI policy , get disabled , then you will still receive a benefit . Not a bad deal in this situation . Answer those questions I asked and you will answer for yourself what you should consider doing .


Input: Do I Need Private Disability Insurance If I Have A Group Plan Through Work?

Output: Do you need private disability if I have group disability ? Depends . If you have group first , individual -LRB- private -RRB- disability will be limited as most plans only allow 60-70 % income replacement from all sources . Group usually covers 50-60 % of income . It will also most likely be taxable income so you have to decide how long you can get by on anywhere from 35-50 % of your total income . Where individual disability would step in is to fill that income gap . This is the reason I answered `` depends '' . It is what do you want , what the contracts actually say and what you can afford ? One thing to consider if you are new to the workplace is to get your individual disability first . You can protect 100 % of your income or even greater if your individual is in place before group .


Input: Where Can I Find Car Insurance Quotes?

Output: Step out the front door and holler I WILL BUY INSURANCE ! Actually , you do not have to go outside you can look in yellow pages , newspaper , daily bargin papers , internet or go to an agents office . If you or a good friend knows a trustworthy agent who will advise you about coverages go see the person . When there is a question about service or claims then you have a enabler to help you . Good luck on the rest !


Input: Where Can I Find Car Insurance Quotes?

Output: Free online car insurance quotes can be found on many websites . And , of course , a broker can provide prices . Choosing an experienced broker will help you find the most affordable offers . And it 's important that his/her website is informational , updated and allows you to provide simple information to receive the quote . Naturally , you should never pay a fee or provide your social security number to view rates . A good broker will save you time , money and a lot of frustration .


Input: Where Can I Find Car Insurance Quotes?

Output: Certainly you could start by searching on line as there are any number of providers these days who offer direct line coverage . However , I think that the best place to start is by talking to your local Insurance Professional . Whether they represent a number of companies or just one , licensed insurance professionals can help to answer your questions , listen to your needs and concerns and present to you a well thought out car insurance that meets your needs and fits your budget .


Input: What Life Insurance Policy Pays Dividends?

Output: Paying life insurance dividends can be paid on any type of policy from any participating life insurance carrier . The most common companies that pay dividends are called mutual insurance companies . Some of the more common names of mutual insurance companies are State Farm , NY Life and Northwestern Mutual . Mutual insurance companies consider the policyholders part owners of the company and share a portion of the profits as dividends . You may or may not receive a benefit based on the year 's profits . You may find mutual company premiums a bit more expensive than none mutual companies with an expectation of paying their dividends . When purchasing a life insurance policy you should find the best product at the best price to cover your unique situation , not on who pays a dividend or not .


Input: What Life Insurance Policy Pays Dividends?

Output: A dividend is a portion of the insurance company 's profits that you receive just by having a participating policy with that company . Policies that pay dividends are usually participating Whole Life . Dividends are not guaranteed , because they are only paid if the company makes money that year . But they are not taxed , because rather than looking at them as profit to you , they are looked as a refund for over payment of premium .


Input: What Life Insurance Policy Pays Dividends?

Output: Any life insurance policy that is participating can pay dividends . The most ubiquitous type of life insurance to pay dividends is whole life insurance , but it is not the only type f life insurance that can be participating -LRB- pays dividends -RRB- . It 's important to note that just because a policy is participating , there is no guarantee that it will pay dividends in any given year . Dividends are paid as a result of surplus -LRB- excess earnings -RRB- with the insurer on the product issued .


Input: When Is Disability Insurance Worth It?

Output: when is disability insurance worth it ? When you have something to lose . Insurance of any type is simply protection from loss . If you have passive income at a level high enough to maintain the lifestyle you want , then no , probably disability insurance is not for you . However , if your lifestyle depends on your income , and you have nothing without your income , would n't insuring your paycheck be a good idea ?


Input: When Is Disability Insurance Worth It?

Output: I think you will find the day that disability insurance is worth it will be the day you have a medical injury or illness and a physician tells you that you will never be able to work again . Those are truly the days that clients are truly grateful they paid those pesky premiums all those years . That day when you realize at least you have an income stream to live while dealing with this type of devastating news .


Input: How To Sue Someone With No Auto Insurance?

Output: While this isnt a legal corner you can probably approach this in one of two ways . You can file a claim with your insurance carrier , particularly if you have comprehensive and collision coverage . They will settle your claim and then pursue the other party . The other way would be to hire an attorney and file a lawsuit . Perhaps it could be handled in small claims but being without insurance doesnt absolve the other driver from responsibility .


Input: Can I Change From Medicare Advantage To Medigap?

Output: Yes , you can change from Medicare Advantage to Medigap . You must first disenroll from your Medicare Advantage Plan and switch back to original Medicare . If you joined a Medicare Advantage plan when you first signed up for Medicare and are changing to Medigap within 12 months , you can choose from any Medigap policy . If you had a Medigap policy , switched to Medicare Advantage , and decided within 12 months to go back to Medigap , you can get your old policy back if it is still available . However , it will no longer have the prescription drug coverage . You may be able to get that from Medicare Part D.


Input: What Is The Biggest Car Insurance Company In Us?

Output: The biggest car insurance company in the US is State Farm , followed by Allstate and Berkshire Hathaway Insurance Group . Progressive , Farmers and USAA are also very large companies . In your particular state , you may find other insurers to be more popular ; such as Erie , Travelers or Geico . As experienced brokers , our job is to compare and find the lowest rates available in your area and present you with the best options for your specific vehicles .


Input: Does Life Insurance Pay For Death By Natural Causes?

Output: Life insurance benefits are paid whenever an insured dies during the period of time that the policy is in force . There is exclusion against suicide in the first couple of years and there are times when the company might contest a claim based upon misrepresentation but that would rarely be affected by someone dying of natural causes .


Input: Does Life Insurance Pay For Death By Natural Causes?

Output: Yes , life insurance pays for death by natural causes as well as for accidental death . The only exception is usually suicide within the first two years of getting the policy . Life insurance sets itself apart from accidental death insurance in that it pays for death by any illness , natural causes , or death by any other reason .


Input: Does Life Insurance Pay For Death By Natural Causes?

Output: does life insurance pay for death by natural causes ? If the policy is in good standing , then yes , a life insurance policy will pay a death benefit upon submittal of a death claim form and a certified copy of the death certifivate . They also payany interest earned on the death benfit from the day of the death until the date the check is issued .


Input: How Can I Get Long Term Care Insurance Online In New York?

Output: To get Long Term Care Insurance online in New York , go to a Long Term Care , Life Insurance , or Health Insurance website that sells Long Term Care Insurance from a variety of carriers . You can call them and they will walk you through the process of applying .


Input: What Does Life Insurance Test For?

Output: When applying for most medically underwritten life policies , an applicant can expect to have a blood profile and urinalysis ordered as well as vital signs taken by a parmedical examiner . The lab tests look at body chemistry . There are lots of chemical names and acronyms such as glucose , albumin , protein , cholesterol , liver enzymes , HIV , GGTP , PSA , BUN , nicotine , drugs and so on . The tests continue to evolve over time and can vary in some cases by insurance company based on age and amount . A life insurance underwriter is looking for abnormal results which , on their own may not mean much but when compared with additional information collected such as medical history , readings for blood pressure , etc. , it helps them assess mortality risk .


Input: What Does Life Insurance Test For?

Output: The life insurance exam generally collects samples of blood and urine which are tested for HIV , cholesterol and related lipids ; liver disorders such as hepatitis ; kidney disorders , diabetes , prostate specific antigen -LRB- PSA -RRB- and immune disorders . The exam also tests for the presence of alcohol , illegal drugs , nicotine , and prescription drugs . Blood pressure , pulse , weight , and sometimes an EKG are also measured at the time of the life insurance exam .


Input: Is Long Term Disability Insurance Worth The Cost?

Output: Every product purchase has a value proposition to assess . Disability insurance is no exception . Disability insurance is paycheck protection . Most American workers have 90 days in cash reserves . The odds are you will be disabled once in your working career . Depending upon your age , gender , smoking status , health history , etc. , is 3 to 5 % of your compensation worth it ?


Input: Is Long Term Disability Insurance Worth The Cost?

Output: As with all types of insurance , you are taking a chance that you will have paid into the policy for years and never used it . However , Long Term Disabilities occur much more often than people think , even to younger workers . Nearly half of all bankruptcies are due to becoming disabled and the resultant loss/cut in income . When you look at the financial consequences of becoming disabled , Long Term Disability Insurance is worth the cost for people who can squeeze it into their budget .


Input: Is Long Term Disability Insurance Worth The Cost?

Output: As with all insurance , you make the decision to self insurance and retain all the risk or you pass the risk to the insurance company in exchange for a premium . Whether or not long term disability insurance depends on what would happen to you financial situation if you became disabled . When cost is a concern , my recommendation is to insure against the catastrophic , that is a longer waiting period with a higher benefit . If you have further questions , or feel that I could be of assistance , please do not hesitate to contact me . If you would like to work with a local life insurance broker , you could start with a Google search . For example , if you search for : life insurance broker Halifax or life insurance agent Halifax , my name , along with several others , will come up . You can use the same method to find a life insurance broker in your community .


Input: At What Age Can You Go On Medicare?

Output: You can go on Medicare at age 65 . If you have been disabled for two years you can go on Medicare at that time , regardless of your age . You may be able to go on Medicare prior to age 65 if you have end stage renal disease or have Lou Gherig 's disease , under certain conditions .


Input: What Is The Best Life Insurance In The USA?

Output: what is the best life insurance in the USA ? The one that is in force when needed . That 's the best policy because it is in force and will pay your claim . What could be better than that ? There is no single `` best '' because there is no single need . Best can be many things because there are many people and many needs .


Input: What Is The Best Life Insurance In The USA?

Output: There is no one best life insurance company or type of policy in the USA . Companies are rated by agencies -LRB- AM Best and Moody 's , to name a couple -RRB- , and those help you ascertain the financial strength of each company . The type of policy that is best , depends on the need it is to cover .


Input: What Is The Best Life Insurance In The USA?

Output: Ratings are not as relevant as they once used to be . What is important , is how the policies you are looking to buy perform over time . And the best performing are n't always the best policies . If you can find an agent who really understands what it is he or she does , to me that is the most important aspect . They can guide you into finding whatever it is you seek . These days there are just too many choices for the average consumer to sort through . As agents it can be a daunting experience to match the right company/policy to the client . After 20 years , I speak from the heart . I love what I do , and I love to help the public figure things out . That is what matters most to me . Find an agent who cares and you have a winner .


Input: What You Need To Know About Variable Annuities?

Output: In Canada , variable annuities are typically called segregated funds -LRB- the funds are segregated or separate from the other assets of the insurance company -RRB- . With payout variable annuities all or a portion of the income received depends on the performance of the funds chosen . A deferred or accumulation annuity -LRB- segregated fund -RRB- is similar to a mutual fund were the value depends on the performance of the funds you have chosen and your money is a risk . Since segregated funds are issued by insurance companies they contain death benefit and maturity guarantees . Some offer resets so you can lock in gains . Your advisor will be required to give you with an information folder prior to purchase to provide you with complete disclosure . You will find additional information on my website www.jpw.ca If you have further questions , or feel that I could be of assistance , please do not hesitate to contact me . If you would like to work with a local life insurance broker , you could start with a Google search . For example , if you search for : life insurance broker Halifax or life insurance agent Halifax , my name , along with several others , will come up . You can use the same method to find a life insurance broker in your community .


Input: Is Health Insurance Mandatory In Florida?

Output: Yes , health insurance is mandatory in the state of Florida or risk paying a fine . The affordable care act states that by January 1 , 2014 people are required to have health insurance or pay a fine . This rule is not just for Florida but for all states . An independent insurance agent should be able to show you plans from most of the major carriers and help you pick that plan that fits your needs . Several independent agencies -LRB- like ours -RRB- have a website that people can instantly compare health insurance plans online and then ask questions to experienced licensed agents over the phone .


Input: Can I Get Health Insurance For A Few Months?

Output: You can buy health insurance for a few months . You can also buy coverage for one month . Short-term health insurance plans are ideal for individuals or families that only need coverage for a short period of time . Rates are extremely inexpensive and applications are often approved within 24-36 hours . If you are between jobs , laid off , a graduating student , waiting for Medicare benefits to begin or a seasonal worker , a temporary policy may be worth considering . You can purchase the plans easily online from reputable websites or directly through a broker .


Input: What Is Voluntary AD&D Life Insurance?

Output: That is a great question ! AD&D , or Accidental Death & Dismemberment is a type of policy that covers a very specific type of injury and death . Many people will purchase it , thinking that it will provide adequate insurance in the event of one 's death . And it will , IF the death is the result of an accident . If it has to do with a sickness , disease or health issue like a stroke or heart attack , it provides no coverage at all , in nearly every case . It is a great , low cost way to protect against disability due to an accidental injury , and to supplement life insurance coverage , but I absolutely do not recommend it as a stand alone policy for life insurance . If you would like more information , please contact me , I 'd be happy to set aside some time to talk to you privately about this . Thank you for asking !


Input: What Is Voluntary AD&D Life Insurance?

Output: Voluntary AD&D Insurance is Accidental Death and Dismemberment Insurance that you can purchase through your place of work at group rates , if you wish to do so . It would pay for death or loss of limbs that occurred as the results of an accident . It would not pay if death or dismemberment was due to illness .


Input: Which Retirement Annuity Is The Best?

Output: There are three types of crediting methods for tax deferred annuities : fixed interest rates , indices and separate subaccounts . Product suitability and selection is determined by your financial profile , risk tolerance and money goals . Once you determine these critical components as an annuity purchaser , you can select the best annuity suited for you .


Input: Does Life Insurance Payout Get Taxed?

Output: In most cases , life insurance proceeds are received income tax free . If the proceeds are payable due to the policy endowing -LRB- or maturing -RRB- the gain -LRB- proceeds less premium paid -RRB- may be taxable . Life insurance policies owned by an individual with proceeds payable to the estate of the owner may be subject to federal and / or state estate taxes . Proceeds payable on a viaticized life insurance policy also may be subject to income taxes .


Input: Does Life Insurance Payout Get Taxed?

Output: In addition to what Bob said , life insurance proceeds may be subject to federal estate taxes if they push the value of the estate beyond 5.25 million dollars -LRB- the exempted amount for 2013 -RRB- . Some states also have estate or inheritance taxes that can apply to life insurance proceeds .


Input: Am I Liable If Someone Gets Hurt In My Timeshare?

Output: That is a great question ! The short answer is it depends . If I assume correctly that this is a points based timeshare arrangement , one of those `` vacation club '' kind of things , then it typically falls upon the resort management 's policy . But if you 've traded , sold or otherwise allowed someone else into your space on your time , then you may possibly be liable , depending upon the terms of the contract that you signed . If this is a property that you are an owner of for a specific number of years , then the liability issues may be more yours than the true property owners . Again , it will depend entirely on the policy exclusions that were in the contract you signed at purchase . If you own the property , most likely it 's you . My recommendation is to take a look at your contract and see , and if you can not find it , contact the company and have them send you a copy . You will have a better idea where you stand after looking at the terms . Good luck , and thank you for asking !


Input: Am I Liable If Someone Gets Hurt In My Timeshare?

Output: Time shares running as short term vacation rentals should have some sort of commercial liability on them . There is a great company CBIZ Vacation Rental Insurance Insuring these types of vacation rentals all over the US . I used to work for them and can still help if you are in AZ or WY . But all other states should contact them directly .


Input: Am I Liable If Someone Gets Hurt In My Timeshare?

Output: Let 's be realistic , your home is where you are at and a reasonably understanding of liability means you can be held responsible for the injuries a guest suffers while in your home . Your responsibility in any event is n't likely to absolve the property management company -LRB- or the property owner -RRB- of liability -LRB- or at least a duty to defend themselves -RRB- because no self-respecting plaintiff 's attorney would let a potential pocket full of money get by him or her in the process of assigning liability . The good news is that if you have home insurance you have some amount of liability insurance to protect for the injuries that someone may suffer as a consequence of your negligence anywhere you are at . That includes the time share you have bought and including the property you have traded for in your time-share relationship . Now , none of the latter should be construed to make you liable for any event , only to clarify that you are indeed responsible for your actions and that includes the space you may be occupying as a temporary residence , whether a time share or a hotel room . How much liability you have depends on plenty of things we could speculate on but the answer above stands for itself . Even if you are found to be free of liability , the cost of defense and getting to that point in time after an event is still costly and your liability coverage includes the benefit of defense against these allegations . Liability is expensive to defend and costly to pay for in the absence of insurance so a basic understanding of the tort of negligence and your duties is all I intend to imply in the latter answer .


Input: Why Buy Medicare Supplemental Insurance?

Output: Medicare is not meant to cover all charges and if you rely on Medicare alone you can have a lot of out of pocket expenses . Medicare has large deductibles and copay 's for hospital stays . There are annual deductibles for outpatient and doctor visits . Without a supplement you could owe thousands .


Input: How To Calculate Long Term Care Insurance?

Output: Long term care insurance is a morbidity product that is underwritten on the basis on medical and behavioral information . Medical information is based on your gender , age , smoking status , health history and current medical condition . Behavioral information is based on motor vehicle records , vocational and recreational hazards .


Input: Who Has The Best Long Term Care Insurance?

Output: It is hard to say who has the best long term care insurance because each company has its own special features . What may be best for one person may not be best for another . In reality , less companies are carrying long term care insurance than in the past , and it is not hard to compare the features of 3 to 5 companies to see which has the best policy for you .


Input: Is There A Minimum Percentage Of Premiums That Disability Carriers Have To Pay Out For Claims?

Output: Yes , across the country most , if not all , departments of insurance regulators require a minimum percentage of the premiums to be paid back to the policy holders . Depending on the state , the average requirement is between 60 % and 65 % . Generally , what you will see is the actual claims results increasing this percentage during periods of recession as many policy holders are inclined to go out on claim as a result of diminishing employment opportunities .


Input: Who Qualifies For AARP Health Insurance?

Output: AARP insurance is uusally associated with indiviuuals that are turning 65 or have already been on Medicare . AARP is part of United Health Insurance Company which also owns GoldenRule Insurance company thATwrites individual health insurance policies . UHC also owns a special needs company , Care Improvement Plus , whick writes `` special needs policies for individauls with heart conditiun , diabetes , COPD . If you have any pre-exisating conditions and have not applied for social security disablity please do so because no matter what yujr age is once you have drawn social security disability for 24 months you call qualify for Medicare . If you need health insurance/nedicare you should certainly speak with your nearest UHC agent


Input: Is A Gym Membership Covered By Medicare?

Output: Unfortunately , gym memberships are not covered by Medicare because they are not considered a medically necessary expense . However , there are some Medicare Advantage plans that can have some wellness programs and gym privileges covered . You would need to review each plan to find out if it provides that type of benefit in your area .


Input: Does State Farm Sell Disability Insurance?

Output: State Farm lists three types of Disability Insurance on their website : Disability Income Insurance , Mortgage Disability Income Insurance , and Individual Credit Disability Income Insurance . The Disability Income Insurance provides payments to the insured during a period of disability so that they can pay for an incurred expenses . State Farm also sells Group Long Term Disability Insurance .


Input: Does Life Insurance Pay For Accidental Death?

Output: Life insurance generally pays out death proceeds to the policy beneficiary at the death of the policy insured , no matter what the cause of death is.The exception is suicide during the first two years of the contract known as the contestability period and fraud resulting from misstatements or omissions .


Input: Does Life Insurance Pay For Accidental Death?

Output: Yes , Life Insurance pays for accidental death or death due to natural causes . Death due to natural causes is death due to and illness or internal malfunction of the body not caused by external forces . Death due to unnatural causes is called accidental death . Life insurance covers all types of death except suicide in the first two years .


Input: What Does A Million Dollar Life Insurance Cost?

Output: The cost for a million dollar life policy is really not the factor or question in most cases well there would be many questions to ask first one would be are you insurable for that face value and for what purpose or needs you have for this amount . Second would you need a single premium because you have acquired a million dollars and you are looking to invest in a safe tax free invest we can look further in to this see my profile and contact me button for a free consultation .


Input: What Does A Million Dollar Life Insurance Cost?

Output: I would n't be able to provide a figure for your without knowing more about what coverage structure you 're looking for and your medical history . The cost -LRB- premium -RRB- for a $ 1,000,000 life insurance policy depends on a number of factors so it will be different for everyone . These factors include their age , gender , how long they want the coverage for -LRB- 10 , 15 , 20 , 25 , or 30 year term insurance vs. permanent insurance -RRB- , and their risk classification -LRB- determined by the medical history -RRB- . The risk classification is the MOST critical factor in determining the cost -LRB- premium -RRB- of a life insurance policy . The risk class depends on a number of factors including whether you 're male or female , your medical history , height/weight profile , any tobacco usage , and other factors . Please keep in mind - every carrier has their own set of underwriting guidelines , and each may offer a different risk class for a given medical profile - e.g. company A may offer preferred -LRB- featuring lower rates -RRB- and company B may only offer standard -LRB- featuring higher rates -RRB- . I would suggest consulting with an independent life insurance broker who can work with you on a personal level and help determine which carrier will be able to offer you the desired coverage at the lowest possible cost . I hope the information is helpful - please feel free to contact me for assistance with your coverage and if you have any other questions . Thanks very much .


Input: What Does A Million Dollar Life Insurance Cost?

Output: There are a lot of factors to calculate a premium on any life insurance amount . An agent needs to know the type of life insurance either term or permanent . From there we need age , build , life style , health status , occupation , state of residence and insurable interest . The first question is why do you need a million dollars in life insurance ?


Input: How Can I Get Life Insurance Online In Texas?

Output: To get life insurance online in Texas , go to a website offering free , instant quotes , and enter your information . If a quote comes up for you , then that policy is probably offered in Texas . From there you can contact the agency , or they will most likely contact you , to confirm that you are qualified for that rate . You will be able to apply for the policy via mailed , emailed , faxed or digitally signed application . Once approved , you will receive the policy by mail .


Input: What Do They Check For When Applying For Life Insurance?

Output: When you apply for a life insurance policy , the life insurance company will nearly always check your driving record , pharmacy record , and MIB , even if you are applying for a policy that does not require a life insurance exam . They are checking for a suspended license , numerous traffic tickets , DUI 's , medications , and past health conditions the showed up when you applied for insurance in the past . If you are required to take a life insurance exam , they will check your blood and urine for HIV , diabetes , cholesterol , liver disease , other health conditions , and the presence of nicotine or drug metabolites . They will also weigh and measure you , take your blood pressure and pulse , and depending on your age and amount you apply for , may check for heart disease through use of a resting EKG or stress test .


Input: Can Health Insurance Be Cancelled?

Output: Health Insurance Companies can not drop you as a policyholder at will . The only reason thet may drop a policyholder is for not telling of a prexisting condition , fraud , and related misrepresentations . Non payment of premiums and if you are in a group plan with employers , and switch jobs then there is a chance you may stay on through the COBRA act . They can not discontinue coverageyou in the middle of treatment . As with all insurance companiesit is best to be truthful with all questions that are asked and that will save you time and error .


Input: What Are Contingent Annuities?

Output: Contingent annuities do not make payments to the beneficiary until a specified event triggers the payment to begin . This condition is set up when the annuity is secured . E.g. . The payment of the annuity may be contingent upon the death of the annuity holder , or upon the beneficiary retiring or becoming disabled .


Input: Will Health Insurance Pay For Implant Removal?

Output: It would depend on the reason for the removal . If your health is injeopardydue to the implant or complications of the implant then it may be covered . If however you just want it removed for cosmetic reasons then chances are it will not be . Check with your agent orinsurancecompany .


Input: Should You Save For Retirement Or Pay Off Debt?

Output: There is not an easy answer to this question as there are varying degrees of debt . It can become a math problem in determining the shortest distance between retiring debt while also accumulating savings for retirement . Generally speaking it is best to reduce the `` bad '' debt which is not tax-deductible and accruing high interest rates . You figure a credit card at 18 % interest is going to yield an immediate 18 % return on your investment by paying it off . However I would think twice before paying off a zero % car loan and instead use the bank 's money to fund your Roth IRA . Also , if you stop contributing to a 401 -LRB- k -RRB- plan you may be leaving `` free money '' on the table by neglecting the employer match if there is one . Overall , if you have an overwhelming amount of debt , it is best to tackle that first , but once it becomes manageable , to fire up the retirement savings , especially in a 401 -LRB- k -RRB- with an employer match .


Input: Should You Save For Retirement Or Pay Off Debt?

Output: Should you save for retirement or pay off debt ? My answer is BOTH . While paying off debt is important , waiting till your debt free may not be something you ever get to . It is important to get into the habit of setting aside some money for retirement . Time is the best investment return a person can have . If you have time , you can contribute less and let it work . Waiting till all debt is retired leaves you with a situation where you have to throw extra money into the plan to compensate for loss of time . For a lot of people , waiting to start is just a bad idea . Do both with what you have .


Input: Should You Save For Retirement Or Pay Off Debt?

Output: Debt comes in various colors . The interest on mortgage debt is a deductible item on your income taxes . Other forms of debt are not deductible . The interest rate charged on some debt is negligible while the cost of other debt can be onerous . Credit card debt comes to mind when I think of high interest rates . While I appreciate the thoughts about retiring debt before starting a retirement program , I think it would be wise to discuss this with a tax expert . Taxation can play a vital role in this decision because the contributions to a retirement program receive favored tax treatment , where plain ordinary debt doesnt . It seems to me that the key question is the extent to which the debt is exerting pressure on the family . If it is a small amount and being retired in a systematic manner , I think that starting a retirement program at the same time makes good sense . Dont forget that what a retirement program needs is time . Shifting capital into retirement early can be quite helpful .


Input: Should You Save For Retirement Or Pay Off Debt?

Output: When youre looking at the question of what comes first retirement or paying off debt , the answer is paying off debt . But everything really starts with a good self-inventory of your income and expenses and setting up a budget so you can start telling your money where to go instead of wondering where it all went . If you have never made a budget I can send you a free worksheet that outlines the different categories and roughly how much of your income should be going to each . After you have your budget in place your next step is to set up an emergency fund minimum of $ 500 to $ 1000 . Having an emergency fund can take the pressure off of lifes curve balls when they happen and it helps you stay on track with your budget . Then you should start paying down your debt , start with the smallest bills first , once one is paid off add that payment to the next smallest bill . Its like a snowball rolling downhill gaining momentum tackling bill after bill with more force . Your next step is to build your emergency fund up so that it could cover 3 to 6 months of your expenses in case of job loss or medical illness . Once thats in place then you can look at retirement planning . If you have any questions please feel free to call me .


Input: Should You Save For Retirement Or Pay Off Debt?

Output: That is a great question ! There are a couple schools of thought here , both with merit . One school will tell you to pay off debt first , and then contribute the amount that would have been paid to interest and loans to your retirement fund . The other will tell you to start funding your retirement early , so as to best utilize the power of time and compounding interest . I recommend a hybrid approach . If you have the opportunity to fund a workplace 401k with employer match , then contribute as much as you can to receive the employer match . It makes no sense to pass on that free money , and longer time at compounded interest will grow a fund faster than shorter time and larger contributions . If that is n't an option , then open a Roth account , and fund it with automatic deposits of whatever amount you can afford . At the same time , working off a detailed budget , we work at reducing the debt , and creating an emergency savings . The ` snowball ' payment method is one that I 've found to be effective in creating excitement and motivation in reducing debt . I 've found that with most clients finding the money to be able to work on those goals simultaneously is n't hard to do , once we 've scoured their spending habits and expenses . Having automated deposits to pay your savings and Roth are also big key steps - what you do n't see , you do n't miss ! I 'm certain that you will get several differing opinions and answers to your question , so I 'd ask that you really think them over , and work with the answer that feels best to you . Find an adviser that can help you get where you need to be . Thanks for asking !


Input: Does Humana Replace Medicare?

Output: Humana offers both Medicare Advantage Plans and Medicare Supplemental Insurance Plans . Humana Medicare Supplemental Plans do not replace Medicare ; they supplement the benefits offered by Medicare Part A and Part B. Humana Medicare Advantage Plans do not exactly replace Medicare , but they offer the full package of Medicare Part A and B and additional coverage in one package .


Input: How To Sign Up For Obamacare?

Output: There are a few ways to sign up for health insurance . To sign up for a qualified health care plan be sure and buy one off the Marketplace , healthcare.gov , or be sure and ask your agent or broker if it meets the new ACA laws . You may qualify for a subsidy to help pay for the premiums . It is based on you household income and the number of dependents in your home


Input: What Happens If You Don'T Have Long Term Care Insurance?

Output: Private long term care insurance protects your income and financial assets from being decimated as a result of long term care expenses . If you do not have this coverage , which shifts the risk to the insurance company , you retain the risk . In the event you need assistance with at least two of six of the activities of daily living , the costs can add up . Whether at home , in an assisted living facility or nursing home , the costs for care can easily exceed $ 250 per day with average stays of 3 years or more .


Input: Do I Qualify For Medicare In Tennessee?

Output: To see if you qualify for Medicare in Tennessee , you can go to the www.medicare.gov website and answer their little questionnaire . That immediately tells you if you qualify . To qualify for Medicare in Tennessee and the other 49 states in the US , you need to be age 65 and have paid Social Security taxes for at least 10 years . If you have not done that , there are a few other ways you can receive Medicare , with being disabled for 24 months another big reason people qualify for Medicare .


Input: Can I Have Two Types Of Health Insurance?

Output: Yes , you can generally have any number of health insurance plans you want . Several people have a primary and secondary health insurer . The secondary insurance typically covers health care costs that the primary insurance policy does not cover . If you do have two health insurance plans , you should be sure to make the health care provider well aware of this fact so they know to coordinate between the multiple insurers and bill accordingly .


Input: How Many Different Types Of Annuities Are There?

Output: Types you will hear reference to are : Fixed , Variable , Equity Indexed , Immediate , Deferred , Single Premium , Flexible Premium , with withdrawal penalties , and without withdrawal penalties . Fixed annuities provide guaranteed , fixed payments for the life of the contract . Variable annuities are tied to the market with minimal guarantees but potential for more growth . Immediate annuities are payed with a single premium . Deferred annuities have an accumulation phase in which premiums are paid in periodically .


Input: How Many Different Types Of Annuities Are There?

Output: The two main types of annuities are immediate and deferred : The policy earning crediting methods are diverse with some annuities using interest rates for fixed annuities , indices for indexed annuities and separate sub accounts in variable annuities . Annuities can be qualified by using them in an ERSIA retirement plan or non qualified .


Input: What Is Eclipse Indexed Life Insurance?

Output: Eclipse Indexed Universal Life insurance is type of policy offered by Minnesota Life , a subsidiary of Securian Financial Group . Eclipse Indexed Universal Life , like most Indexed Universal Life -LRB- IUL -RRB- policies , provides for a death benefit while also allowing for the accumulation of cash based on fixed and indexed accounts .


Input: What Does Basic Medicare Cover?

Output: Basic Medicare , Medicare Part A and Part B cover most health care that is considered to be medically necessary . Cosmetic surgery for vanity reasons is an example of something that is not medically necessary . Part A covers hospital inpatient related charges after you have satisfied your deductible . Part B covers outpatient charges after the deductible .


Input: What Is The Commission On A Single Premium Life Insurance Policy?

Output: Commissions vary by carriers , but on average the first year commission on a single premium whole life insurance policy is around 3 to 4 % on fully underwritten policies -LRB- i.e. you undergo complete medical review to determine eligibility for coverage -RRB- . For policies that are issued on a guaranteed issue basis , commissions tend to be higher averaging around 7 % and can range as high as 12-15 % .


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

Output: Long term care is generally addressed by advisers around age 50 . But most Americans purchase long term care insurance around age 60 . You could consider purchasing long term care insurance when you 're young and healthy , if your family health history shows a predisposition to chronic health or nursing home confinement in their early senior years .


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

Output: It is best to buy long term care insurance by age 60 so that you can take advantage of the lower rates that younger ages offer , and also so that you can hopefully precede any health conditions that often occur at older ages . The underwriting for Long Term Care Insurance is stricter than Life Insurance , so applying while able to qualify is important .


Input: How Much Long Term Care Insurance Is Needed?

Output: Most Americans have finally come to terms that they will be living longer and require some help in their senior years . Long term care needs to cover assisted living and/or nursing home care generally during retirement . Those costs can be daunting . So it 's important to purchase the maximum coverage . A male non smoker age 60 in good health may pay around $ 300 a month for $ 7000 a month benefits to a limitation of $ 420,000 .


Input: How Much Long Term Care Insurance Is Needed?

Output: How much long term care coverage is required ? It will depend on the cost of care where you will receive it . You can find online information that will let you see the cost of care in your state . That will help you figure what you will need for costs . You can also find the average duration a person stays under care . This will help with figuring out how long you 'll need coverage . There is a lot of information to help you create a plan that will provide a solid level of coverage and duration without breaking you financially .


Input: Why Not Buy Whole Life Insurance?

Output: You should buy whole life to cover those expenses which you anticipate you will owe or want to disburse regardless of when you die . The whole life policy lets you budget a premium that will not increase until the day of death . Nothing is left to chance as the company guarantees the adequacy of the premium , the amount of the death claim , and the length of time that the coverage will last .


Input: Why Not Buy Whole Life Insurance?

Output: Participating whole life insurance is suitable for conservative minded people who like contractual guarantees throughout their lifetime . But guaranteed universal life can generally cover you for less money with premium guarantees , even less expensive if you only need term life insurance . Indemnification products are priced for coverage more than they are for rates of return .


Input: Why Not Buy Whole Life Insurance?

Output: Why not buy whole life insurance ? Well , you know you 're right , why not ? It is the only policy you actually control , they ca n't take it away or price you out of it . They ca n't make changes without your permission , they ca n't really do anything because you control the policy . That is why whole life is more expensive than other types of coverage . The insurance company is giving up control to the insured , so would they price that low or high ? There are a ton of other reasons as well , but I want to keep this brief .


Input: Renters Insurance Who Does It Cover?

Output: Great question ! Typically a policy , whether it is a renters , health or life insurance policy will only cover the person or persons named on the policy . So if you put you and your spouse , you both are covered . If you name your family , then you all are covered . If it is just you , and you have a roommate who is not named , you are covered , they are most likely not . Check your policy and see who is listed , and who they will cover , or call your agent and have them tell you . Thanks for asking !


Input: Will Homeowners Insurance Cover Shingles?

Output: Shingles is an awful disease and often adults will get Shingles later in life . The recovery time is longer than you expect and it is certainly a disease to avoid if possible . About half of the population gets Shingles before they turn 80 . Homeowner 's insurance , of course , does not pay for it . However , if you are referring to shingles on your roof ... yes , if part of an approved claim , they are covered ! Obviously , if your roof is damaged in a tornado , you may need new shingles . Not the disease though .


Input: Will Homeowners Insurance Cover Shingles?

Output: Roofing and or siding shingles are considered to be a part of the over all structure of a home and therefore , if damaged or destroyed by a covered peril in your policy , would be included in that coverage . Talk to your Insurance Professional about the specific terms and conditions of your policy as well as any limitations to gain the best understanding of what is and is not covered and to what extent . Naturally , any covered loss will be settled subject to your policy deductible along with all other specifics of the policy terms . Be sure to find out if your policy includes a replacement guarantee loss settlement in that conversation . Bundled and stored shingles would be considered Personal Property and thus covered under that portion of your policy as opposed to the dwelling portion .


Input: Does Medicare Pay For Circumcision?

Output: Most likely Medicare will not pay for circumcision.Very few circumcisions are performed on adults . Medicare covers people over the age of 65 . Many health insurance plans will not cover ritual circumcision . It is viewed as an elective procedure . Some plans will cover the procedure if deemed medically necessary . A greater percentage of claims are paid when there is a medical diagnosis such as phimosis .


Input: What Is Palmetto Gba Medicare?

Output: Palmetto GBA -LRB- Government Benefits Administrators -RRB- is a wholly owned subsidiary of BlueCrossBlueShield of South Carolina . The company is headquartered in Columbia , SC . Palmetto GBA has administered complex transaction processing for the Centers of Medicare and Medicaid -LRB- CMS -RRB- since the inception of Medicare in 1965 . They have employees in 14 states .


Input: Why Is The Cost Of Health Insurance Rising?

Output: The high cost of Medical bills and drugs are the primary reason . Also with the new mandates companies are being forced to change their rate structure to accommodate provisions in the law that were not available before . Health Insurance rates do not have any choice but to go up , especially when the mandates kick in in 2014 and they are forced to take on previously unacceptable risks and move to community rating instead of age based rating .


Input: Why Is The Cost Of Health Insurance Rising?

Output: Utilization drives the cost of health care , and in turn health insurance , more than anything else . Health insurance has changed to the point that most people expect to pay no more than $ 20 for medical services . This leads to over utilization , especially on routine doctor visits and prescription drugs , especially brand names .


Input: How Long To Plan For Retirement?

Output: Retirement planning should begin now . It is never too soon . Retirees rarely think that they have too much money . Because many retirement programs offer tax free compounding of earnings , the results of an early start are truly amazing . Determine what the maximum amount you can legally contribute to an IRA , pension plan or whatever program available to you . Try to put aside as much or that maximum amount every month . Stick with your plan .


Input: How Long To Plan For Retirement?

Output: Planning for retirement requires paying yourself first with disciplined deposits into a retirement account from every paycheck from the first day of employment . If your employer sponsors a defined contribution plan and matches a portion of your contribution , do it ! If there is no retirement plan at work , consider an IRA or Roth IRA . You should face the fact that you may be working until age 70 because of the new mortality trends in life expectancy and living to at least age 90 .


Input: Does Health Insurance Cover Elective C-Sections?

Output: Based on my 32 years of experience as a broker , I do not believe that an elective C-Section is covered by a standard individual or private health insurance plan . I am assuming that the normal vaginal delivery was recommended and deemed safe for the expectant mother and the attending physician did NOT recommend the C-Section .


Input: Can Medicaid Take My Life Insurance?

Output: When you apply for Medicaid , a representative of the US Dept of Health and Human Services will meet with you to determine your eligibility . There is a limit on how much income you can have , and also a limit on the amount of assets you have , in order to qualify for Medicaid . Your assets do include any cash value life insurance policies that you own . If you have Term insurance , it will not be counted , because there is no cash value in Term life insurance . If your cash value in Whole or Universal Life exceeds a certain amount , you have some options . You may be able to designate it for your funeral expenses . Or you may be able to use the cash value for long term care expenses and keep at least part of the death benefit . Your social worker will help you with your Medicaid spend down , but you can also contact a reputable life insurance agent or attorney to assist you .


Input: Can Medicaid Take My Life Insurance?

Output: No , Medicaid can not take your Life Insurance policy . Your policy is your own contract with the Life Insurance company . It is protected from creditors and even lump sum and tax free upon distribution to the beneficiary . Medicaid is a government program that pays medical bills for qualified income applicants and has none to do with Life Insurance .


Input: Can Medicaid Take My Life Insurance?

Output: Typically , Medicaid can not take your life insurance policy . If you have a large cash value policy , such as whole life insurance or universal life insurance , the cash value is considered an asset and could keep you from qualifying for Medicaid , but they can not take your policy away . The policy you own is a contract between you and the life insurance company you purchased it from and no one can take that away from you . If you own a term life policy with no cash value , then Medicaid will not consider it an asset and it is irrelevant to your qualifying .


Input: How Liquid Are Annuities?

Output: Traditional annuities are very liquid . They can be surrendered immediately with proceeds reaching you in a few working days . They may have surrender charges depending upon the contract and the length of time it has been in force , so the full value of the annuity might not be available to you .


Input: How Liquid Are Annuities?

Output: Non qualified tax deferred annuities have surrender charges . In the early years , surrender charges can be expensive . Many annuities allow for a 10 % free withdrawal , but the gain is subject to ordinary income tax . Market adjustment annuities that can change the interest rate credited to the policy if it 's surrendered before the contract period , which to some is a liquidity issue .


Input: How Liquid Are Annuities?

Output: To expand on what Steve said already . There are a few other liquidity options with Fixed Annuities . Some -LRB- but not many -RRB- allow for 15 % Surrender Charge free withdrawals . Also , most Deferred Fixed Annuities waive the Surrender Charges if you have a Long Term Care need , or if you are terminally ill . Like all withdrawals from Annuities , this would be subject to capital gains tax . Or if it is in an IRA it would be subject to Income Taxes .


Input: When Should I Get A Life Insurance?

Output: My advise is to get a Whole Life insurance policy as soon as possible ! As Jim commented above premiums are lower the younger you are . That 's true for all types of life insurance , but the real advantage to buying a policy early is when you buy a Whole Life policy from a Mutual company that pays dividends on top of the minimum interest on your cash value . The longer you let the cash value grow the more you 'll have at your disposal when you want or need it to supplement your retirement income !


Input: When Should I Get A Life Insurance?

Output: You should get a life insurance policy when you have a need for the coverage . Many times a need arises when certain life events happen such as getting married , having a child , running a business with partners . For personal insurance , many people get life insurance to protect their family from financial struggles in the event of their death - in these cases , the need may be your family maintaining their current lifestyle -LRB- income replacement -RRB- , paying off your child 's college tuition , mortgage , cars , burial expenses , or other outstanding expenses . For business insurance , if you have business partners , you all may want to set up a buy-sell agreement to instruct what will happen to the ownership of the business in the event one of the partners dies or set up a key-man policy . Many individuals also buy life insurance for estate planning purposes -LRB- e.g. paying off taxes for asset transference -RRB- - you can look in to creating trusts to handle how you want the life insurance proceeds to be distributed -LRB- e.g. a revocable or irrevocable life insurance trust -RRB- . In these cases , you want to work with an independent life insurance agent/broker who has a strong background in estate planning - they will likely have referrals to estate planning attorneys as well .


Input: When Should I Get A Life Insurance?

Output: You can get life insurance whenever you want . Chances are , if you are thinking about it , you already have a need for it . Life insurance is one of those things that it almost never helps to put it off , unless you have to due to a recent medical diagnosis . Because prices go up as you age , it will probably never be cheaper than it is today .


Input: When Should I Get A Life Insurance?

Output: That is a great question ! Life insurance is one of those things where the younger you are when you get it , the cheaper it will be . I pay $ 5 a month for the policy that my Dad bought for me when I was a child . If I were to purchase the same policy today , I guarantee you I 'd pay a whole lot more . My practice is to advise protecting yourself and your children by purchasing a policy at as young an age as possible . Children unfortunately pass , or develop illnesses that can be devastating financial hardships , or prevent them from getting affordable insurance later in life . I hope that helps , if you 'd like more detail , please drop me a line . Thanks for asking !


Input: Can You Borrow Against Globe Life Insurance?

Output: Borrowing against a life insurance policy requires cash value inside that policy . Term life insurance does n't have cash value , but whole life insurance policies may . So , you would need to have a whole life policy with Global Life Insurance in order to be able to borrow against it . Call up your company and ask if you have any cash value inside your policy and what the borrowing options and costs are .


Input: Can You Borrow Against Globe Life Insurance?

Output: In a word - No . Globe life insurance is Term insurance , which has no cash value . Since it has no cash value there is nothing to borrow against . Only with ` Permanent ' types of insurance such as Whole Life and the various Universal Life policies is there value associated against which one may borrow . And I always caution people about `` Universal '' life policies , because they can and often do run out of cash value and even expire before the owner is aware of what happened . Whole Life is the only truly permanent life insurance and the premiums never increase . And you know in advance what the guaranteed cash value will be at any future date . And the cash value may be much more than the guaranteed value .


Input: Does Medicare Cover Assisted Living Homes?

Output: No , Medicare was never intended to be used for long term care . Medicare has very limited benefits when it comes to nursing home care and no benefits for assisted living . If you need help with assisted living and are being told by Medicaid that you have too many assets , a good care resource planner or elder law attorney may be able to help you preserve some of your assets and get you the help you need sooner .


Input: Will Home Insurance Cover Bat Removal?

Output: It is always best to check with your Insurance Professional and discuss the specific terms and conditions of your policy , however , in most cases , bat damage is not a covered peril in most Homeowners ' policies . As a result the cost to remove the bats would also not therefore be covered .


Input: What To Ask When Buying Life Insurance?

Output: Rather than questions I would suggest that you observe the following about the agent . Does this agent listen ? Does this agent offer sound financial advice ? Does this agent communicate clearly with you and the insurance company ? In the end the most important thing you will do is select the limit of coverage . Other aspects of the transaction are really incidental . Will this agent set up a plan to ease the transition for those you love in the event of your premature death ? Little else really matters .


Input: What To Ask When Buying Life Insurance?

Output: When buying life insurance it is a good idea to ask the following : 1 -RRB- What guarantees does the policy offer ? a. Is the premium guaranteed not to go up , and if so , for how long ? b. Is the face amount guaranteed not to go down ? c. Is the interest rate guaranteed ? 2 -RRB- Are there any exclusions or caveats ? 3 -RRB- Ask questions about the type of policy you are getting if you are not acquainted with it . 4 -RRB- Ask the rating of the company . 5 -RRB- Ask what options are included and what can be added on as riders . a . If Term , is the policy convertible ? b. Can the policy be extended ? c. Can I borrow from it ? 6 -RRB- If permanent insurance , inquire about charges . 7 -RRB- Ask if that agent will be around to assist you with customer service in the future .


Input: Does Homeowners Insurance Cover Dog Attacks?

Output: It is best to discuss this with your Insurance Professional in order to completely understand the terms , conditions and limitations of your policy . Some companies may limit or exclude the amount of coverage available for such liability claims . Others may approve or disapprove Homeowners coverage depending upon the breed of the dog you may have .


Input: How Much Is Health Insurance For A Married Couple?

Output: Individual health insurance , per the requirements of the Affordable Care Act after January 1 , 2014 , is sold on a community rated basis . This is a much different method than has been used by the majority of states and so while it would have been difficult to answer your question in the past it 's virtually impossible now . You are simply going to have to get some quotes . Factors such as your state of residence -LRB- and where you reside within a state -RRB- , your and any covered dependents dates of birth , the number of covered dependents under 21 and the number over age 21 , the tobacco use status of you and/or any covered dependents , are all factors applied when calculating an individual health insurance rate . Obviously , these factors are unique for each person 's situation , that 's why no one can just say `` it will be $ 500 per month '' . You can do some online searches , you can go to the websites of health insurance carriers , you can even go to Healthcare.gov to get some ideas of what different plans , from different carriers , with different provider networks , and vastly differing rules will cost you and cover . And you may figure out correctly if you would qualify for any subsidy in the government marketplaces . Or , you can look health up a qualified health insurance broker , tell them your information and what you are looking for in general terms and they will do all the work for you , explain the subtle and not-so-subtle differences between different individual health insurance carriers , and help you make an informed decision . All for the same price as doing it yourself . For help please feel free to visit my web site .


Input: How Much Is Health Insurance For A Married Couple?

Output: The cost for health insurance for married couples depends on a few factors . 1 . Age at time of appliction 2 . The area where you live 3 . How many dependents you have 4 . If your eligible for a tax credit to be applied to premiums Should you want toget more information and quotes , you can view my profile and link to my company 's website for carriers we represent in your area .


Input: Will Renters Insurance Cover Fire?

Output: Under most circumstances yes , renters insurance will provide coverage for a fire . Remember every policy is different . Please read your policy completely to understand the coverage provided and any exclusions that there may be or contact your local agent to have them go over the policy with you .


Input: How To Choose A Home Insurance Company?

Output: Home insurance coverage should be consistent with other coverage you purchase , like auto insurance . Similar amounts of insurance , enough to cover the cost to repair or replace your home and other property . Similar liability limits , in case your negligence injures someone . Similar perils , if your car is covered for `` any '' damage , your home and property should be as well . Similar deductibles , I suggest deductibles not less than $ 1000 . And it is not a bad idea to combine coverage with the same insurer whenever possible . Its better to deal with someone you already know and trust.If you do n't , it may be a good time to find new auto insurance as well .


Input: How To Get The Best Health Insurance Rate?

Output: There are many steps you can take to get the lowest available health insurance rate . Of course , working with an experienced health insurance broker could potentially save a large amount of money and enrollment time . Here 's why : The calculation of your federal subsidy is critical to understanding which available plans are best for your specific circumstances , and which plans will be the least expensive . For example , cost-sharing `` Silver '' Exchange options are a hidden gem that many inexperienced navigators and brokers may not be aware of . Also , if you miss Open Enrollment or need to buy an `` off-Exchange '' plan , there are specific policies that will work best for you . It 's critical to accurately compare prices and understand why certain plans are the best options .


Input: How To Get The Best Health Insurance Rate?

Output: With the most recent implementation of the Affordable Care Act 's provisions effective January 1 , 2014 the answer to your question in the individual health insurance marketplace is to shop all of the options available to you and do n't smoke . Selecting health insurance plans has n't really gotten any simpler for the consumer so I would recommend you seek out the guidance of a health insurance broker -LRB- it 's not going to cost you any more -RRB- . Tobacco usage is really the only rating variable allowed under the health care reform law and even that option is not applied uniformly by all insurance carriers . However , in today 's individual health insurance marketplace your rates are going to be determined by your age without any considerations for health status , height & weight or sex . So , in practical terms there is virtually nothing the individual consumer can do to impact their health insurance rate


Input: What Is Disability Insurance For Pregnancy?

Output: The type of Disability Insurance that covers normal pregnancy is Short Term Disability , or `` Sick Leave '' . Long Term Disability will cover complications experienced while pregnant or as a results of childbirth or recovery from childbirth . But Long Term Disability will not cover time off due to a normal pregnancy .


Input: Can Someone With High Blood Pressure Get Life Insurance?

Output: Insurance companies look at hypertension in several ways . Some will ask if blood pressure readings have been above a certain number for the last few years or more . Some will ask the average of readings for the past one or more years . The number and type of medications is considered , and of course , the cause for the hypertension . Secondary hypertension caused by disease elsewhere in the body , CHF , etc are underwritten as a higher risk . To get the lowest priced life insurance policy with high blood pressure , contact a good impaired risk agency that knows how to shop multiple carriers to get your best rate .


Input: Can Someone With High Blood Pressure Get Life Insurance?

Output: As long as the hypertension is controlled and not excessively high or complicated by other factors which on their own could be reasons to make the proposed insured a substandard risk , high blood pressure should not prevent one from obtaining life insurance . If however the condition is not under control , it might not be possible to obtain an underwritten life insurance policy . Consult with an experienced life insurance professional who will be able to shop the market for the best fit .


Input: Can Someone With High Blood Pressure Get Life Insurance?

Output: Generally speaking managed high blood pressure with no other outstanding impairments should be an obstacle to securing life insurance coverage . Prescription dosage , weight and other contributing factor my play a role in the final offer . Keep in mind that certain life insurance companies appear more benevolent to high blood pressure , hypertension , heart murmurs and other cardiac issues . So it pays to shop around .


Input: How Do I Calculate How Much Life Insurance I Need?

Output: The conventional approach is to go through a `` needs analysis '' . This method attempts to determine the minimum acceptable amount of coverage you `` need '' in order to meet your stated objectives , such as final expenses , college costs , mortgage payoff , emergency fund , etc. . It is a math calculation based on your estimate of variables such as inflation , taxes , and rate of return . A more meaningful approach is to simply decide how much of your income you want to continue to your family when you die and for how long . After all , it 's your income that ultimately pays for all the individual items mentioned above . Then , an amount of coverage can be calculated based on the same assumptions as in the needs analysis .


Input: How Good Is Liberty Mutual Auto Insurance?

Output: Liberty Mutual is one of the top insurance companies in the nation considering policy options , customer service , claims , response and repair . I would recommend always insuring with well known , established insurance carriers . If you consider smaller , lesser known insurance carriers then be sure to research them and trust your intuition . No matter what insurance company you 're considering , the more open you are to discussing your auto insurance with an agent , the more they can identify your needs and provide the best policy for you .


Input: Can A Company Deduct Life Insurance Premiums?

Output: The simple answer to your question is that insurance premiums ARE NOT a deductible expense for anyone . However , depending upon the use of the insurance , for instance , as part of an Supplemental Executive Retirement Plan -LRB- SERP plans -RRB- , there are tax benefits -LRB- deduction -RRB- to the employer realized when the policy 's cash value is paid out to the employee . Additionally , administrative costs may be tax-deductible as a business expense . Separately , under anexecutive bonus plans where the bonus is paid directly in the form of premium payments to the insurer for policies owned and FBO of the executive , the employer has no ERISA reporting , potentially tax deductible costs and can avert tax rules applicable to Qualified Pans and employer owner line insurance . Please feel free to contact me through my profile if you have additional questions .


Input: How Much Is A Term Life Insurance Policy?

Output: The cost of Term Life Insurance varies according to the age , health , tobacco status , and gender of the person buying it . It also varies according to the face amount and length of the term . Generally speaking , the longer the term , the higher the premium . However , if someone gets a short term policy and then must find a new one , they may find that their health has deteriorated and they end up paying much higher premiums for the next policy . In that sense , sometimes buying a long term policy from the start can save the policy owner a lot of money .


Input: My Friend Wrecked My Car. What Happens Now?

Output: The claim will be investigated and fault will be determined . If it was the other parties fault then if all goes well the other parties insurance will pay for the damages . If not then plan B is since you do not have physical damage coverage on your own policy which would normally pay for damages then next in line would be your friends policy which should cover the damages . Of course all of this depends on if there are any exclusions in the policies .


Input: Does auto insurance cover theft?

Output: There are essentially two parts to an auto insurance policy . Liability coverage , or as some refer to it as PL/PD and physical damage coverage . Most states require some form of liability coverage in order to drive your vehicle legally . But physical damage is an optional coverage you can purchase to protect your vehicle . The most common coverage you will find under the physical damage is comprehensive and collision coverage . Where collision coverage covers just that , collision with another vehicle , comprehensive coverage picks up other than collision coverages . Comprehensive provides coverage for losses from fire , theft , hail , falling objects , glass breakage and car/animal accidents . Comprehensive provides coverage for loss or damage to your vehicle and its equipment cause by theft , larceny or robbery . It also provides coverage in the event you are tricked into giving your vehicle to another person under false pretenses . Please note that you are subject to your deductible in the event of a loss . What this means is that the insurance company will pay you for the loss less your deductible which may range from $ 0 to $ 500 dollars depending on your insurance carrier . To stay competitive some insurance companies may offer special perks in their auto coverage such as waiving the deductibles or providing additional coverage such as rental car coverage in the event of theft . So be sure to check with your insurance agent or carrier to see if they provide this coverage .


Input: Does auto insurance cover theft?

Output: Theft is a covered peril in an auto policy provided that you carry the physical damage portion known as `` Comprehensive '' . This provides coverage to repair or replace your car if it is damaged or lost as a result of fire , theft , vandalism , coming into contact with an animal , being hit by a falling or flying object etc. . Any settlement would of course be subject to your policy deductible .


Input: Does auto insurance cover theft?

Output: Auto insurance policy does cover theft if the insured at time of loss is carrying physical damage coverage . The comprehensive portion of the physical damage coverage will cover any theft claim minus the applicable deductible . If the insured at the time of loss is carrying a $ 500 deductible and vehicle is valued at $ 10,000 then the insurance company will pay out a $ 9,500 theft claim to the insured . Hope this was helpfull


Input: Does auto insurance cover theft?

Output: Yes insurance can cover it as long as you have the Comprehensive and Collision coverage on your policy , the Comprehenisive part will cover theft because it 's something you ca n't control . You would just have to take care of your deductable first and the insurance company would take care fo the rest .


Input: Does auto insurance cover theft?

Output: There is a current surge in auto theft in our area . This appears to be drug related . Only insurance policies with comprehensive coverage provide protection against a theft loss . Many drivers opt for the basic form of auto insurance required by law . Their loss by theft would not be covered .


Input: What Does Long Term Care Insurance Not Cover?

Output: Long-term care insurance benefits do not cover acute medical problems , but rather addresses chronic medical situations . Acute medical problems would include such things as a broken arm or abdominal surgery . Major medical , Medicare , and Medicaid would be sources of insurance coverage for those events . Chronic medical problems involve conditionsfrom whicha person is not likely to ever recover . Such conditions might include multiple sclerosis , Alzheimer 's disease , osteoporosis , or auto-immune diseases . Just having a chronic disease or condition does not necessarily trigger the payment of benefits from a long-term care policy , however . One must be medically certified by a health care professional that there is an inability to perform at least two of six specified daily activities -LRB- such as getting dressed , feeding oneself , etc. -RRB- , or having been diagnosed with a cognitive impairment . Long-term care insurance will not pay for medical costs of a chronic condition if a person can successfully get around and take care of themselves .


Input: Can Medicare Have Dependents?

Output: No , Medicare is a health plan for individuals , and does not provide for dependents . Each person that receives Medicare must be eligible based on paying into Social Security taxes the required length of time -LRB- or if a spouse who did not work outside the home , based on the spouse 's contributions -RRB- and turning age 65 -LRB- or being disabled 2 + years or or a couple more situations -RRB- . If one spouse turns 65 and starts receiving Medicare , the other under-age-65 spouse , or children of the couple , can not receive Medicare based on that alone .


Input: Can Medicare Have Dependents?

Output: There is only one Medicare beneficiary per Medicare card , no dependents . You may receive medicare when turning 65 also know as aging in and or medicare disability after being certified on disability for 24 months . An excellent resource for answering your medicare questions can be found at www.medicare.gov


Input: What Is The Best Health Insurance You Can Buy?

Output: Although there are several ways to qualify `` best '' , I will try to adress some of the most popular views of what would be best . If you are refering to the best coverage then a `` Platnum '' plan - 90 % coinsurance coverage from the insurance company , with little to no deductable , this type of coverage would be structured as a PPO plan . If you are refering to the best coverage at the lowest cost then a Consumer Directed Health Plan would be the best way to ballance the two opposing variables . CDHP 's are health insurance policies that combine a variety of different structuring options -LRB- PPO , POS , HMO , etc. . -RRB- , however they have a high deductable that must be meet before the policies coinsurance would cover many medical services -LRB- except for routine , and preventitive care -RRB- . The high deductable reduces the cost of the plan and is offset by a Medical Savings/Expense account .


Input: Can Health Insurance Premiums Be Claimed On Taxes?

Output: Health insurance premiums may be able to be deducted on your taxes , although the schedule you file and the type of benefits you receive will be a factor . Whether you itemize , are self-employed or file as a corporation will all impact the destructibility . A CPA or a tax-professional -LRB- and perhaps Turbo Tax -RRB- will be a great resource .


Input: How Is Auto Insurance Rated?

Output: Auto insurance is rated based on many factors . Some of the more common factors are , geographic location , age , driving record , marital status , number of drivers in the household , and credit rating just to mention a few . When shopping for your auto insurance always remember price is n't everything . Use a local agent that you are comfortable with , remember they are going to be first and last line when it comes to a claim or assisting with your coverage .


Input: How Is Auto Insurance Rated?

Output: In California auto insurance is rated by the year , make and model of the car . Another factor is the driving records of all the members of the household with the car . A major factor is the number of miles the vehicle travels . In California the insurance company does not do a credit check . The company will also check the intended use of the vehicle.c


Input: Will Medicare Cover Weight Loss Programs?

Output: Medicare will cover weight loss programs when weight has a direct impact on health . Some health conditions that may be alleviated by weight loss are sleep apnea , hypertension , joint pain , and diabetes type 2 . Medicare will pay for 3 hours of weight management counseling the first year and two hours of counseling each year after that . If further treatment is needed , Medicare can provide more , including gastric bypass surgery , if needed .


Input: Will Medicare Cover Weight Loss Programs?

Output: In some situations Medicare will cover weight loss programs . If you have medical conditions that can be treated or better managed with weight loss , Medicare may pay for weight loss counseling . If weight loss is needed to minimize or avoid complications of surgery , Medicare may pay for weight loss programs .


Input: Does Progressive Offer Life Insurance?

Output: Progressive is mainly known for car insurance . All or most car insurance companies WILL sell you life insurance but it 's not their main focus . And if you shop and compare it to companies that are mainly focused on life insurance , it is unlikely that you would decide to go with them or any other car insurance company for your life insurance . That would be like ordering a hamburger at Red Lobster . They could probably sell you one but it 's not really what they do .


Input: Does Progressive Offer Life Insurance?

Output: Many property & casualty insurance companies will offer all lines of insurance as they want you to work through them even though they do not specifically offer life insurance as one of their products . Agreements are made with life agencies or companies to handle the life cases . One stop shopping as I sometimes refer to it . This keeps the company in front of you more often so when you have a need , you think of them .


Input: Does Progressive Offer Life Insurance?

Output: Progressive is not licensed to sell life insurance . Progressive Casualty Insurance Company advertises life insurance that is carried through another online life insurance agency , but Progressive does not offer or underwrite those products or services , and is not responsible for the life insurance sold by that agency or the content on their website .


Input: Does Progressive Insurance Have Life Insurance?

Output: Progressive Insurance company is a property and causality company and does not have a life insurance division . The independent agents that sell Progressive Insurance usually represent other life insurance companies and `` bundle '' life insurance with your auto insurance as an `` up sell '' or convenience to the client . Have your life insurance policy reviewed by an unbiased independent life insurance broker to be sure you have the right term life to accomplish your goals and not over paying . It is difficult for an agent to be an expert at every type of insurance sold .


Input: Does Progressive Insurance Have Life Insurance?

Output: Progressive is Progressive Casualty Insurance Company . The company does not offer its own life insurance products . Rather it advertises that you can obtain life insurance quotes through another agency . Progressive is not responsible for the content of the website or products sold by that other online life insurance agency .


Input: Can Life Insurance Companies Drop You?

Output: Assuming you mean drop you after your policy was issued and in force , the answer is no . But if during the two year contestability period , material misstatements or omissions were discovered , a life insurance company would more than likely return your premiums with interest and invalidate the policy .


Input: Can Life Insurance Companies Drop You?

Output: Can life insurance companies drop you ? In the first two years , during the contestability period of a new policy , yes they can if they find a material misstatement on the application . Actually in some states , for certain issues the state can waive the two year limitation and extend the clause for the life of the policy . In my state , it would be misstating about smoking .


Input: Can Life Insurance Companies Drop You?

Output: Many people worry that their life insurance policies will drop them if they develop a health condition , as can happen with health insurance . The fact is , if you filled out your life insurance application honestly , complied with whatever they asked you to do , and got a policy , that policy is yours to keep . You can have a heart attack the next month and it will pay the death benefit . You can start smoking the next year and it will pay the death benefit . You can not be dropped over something you did not know ahead of time . Given that type of guarantee , why not lock your life insurance policy in for as long as you can . If you can get coverage for 30 years or a lifetime instead of 10 , have a need for longer coverage , and can afford it , no one can take it away from you as long you keep paying the premiums .


Input: What Is A SERP Retirement Plan?

Output: A SERP is a Supplemental Executive Retirement Plan generally for key executives in a company . Employers who wish to retain the services of important employees use deferred compensation plans as golden handcuffs to secure their employment into the future . SERPs generally have a vesting schedule over a time certain period described in the arrangement .


Input: When Am I Medicare Eligible?

Output: You 're eligible for Medicare when you 're turning 65 years old . You can apply for Medicare benefits up to 3 months before , the month of , and up to 3 months after your birth month . I recommend applying during the 3 months before the month you turn 65 so your coverage starts on time -LRB- the first day of your birth month -RRB- - you can be subject to a delayed effective date if you apply during the 3 months after your birth month . People are eligible for premium-free Medicare Part A when they turn 65 and have met the 40 quarters -LRB- 10 years -RRB- of working life/paying FICA taxes . Anyone who is eligible for premium-free Part A , can qualify for Part B - Part B requires premiums . Younger individuals with certain disabilities who have been receiving social security disability benefits for 24 continuous months and those with end-stage renal disease , may also be eligible to receive Medicare benefits . Original Medicare -LRB- Parts A & B -RRB- only 80 % of covered healthcare expenses . Medigap plans -LRB- also known as Medicare supplement plans -RRB- can help cover all or a portion of the other 20 % . When you first enroll in Part B , you have a 6-month initial open enrollment period to buy a Medigap plan with NO medical underwriting . The advantage of having a Medigap plan to go with your Original Medicare coverage is that it creates a very predictable expense structure -LRB- a major advantage for seniors living on a fixed income -RRB- . I hope the information is helpful - please feel free to contact me for help and if you have any other questions . Thanks very much .


Input: Can You Get Dental Insurance Without Health Insurance?

Output: Yes dental insurance is not `` health '' insurance in the colloquial sense of the word health insurance -LRB- i.e. major medical insurance -RRB- . There is no requirement to have health insurance before having dental insurance . One can have health insurance and no dental insurance , just as they can have dental insurance and no health insurance . And , of course , one can also have both health insurance and dental insurance .


Input: Can You Get Dental Insurance Without Health Insurance?

Output: Can you get dental insurance without health insurance ? Short answer yes . The long answer is you need to really review any individual dental policy to see what actual benefits you get and how soon you get them . Individual plans are often different than group plans in the way benefits become available .