About Experts Sitemap - Group 33 - Page 32 2015-03-24

Life & Health Insurance: EIUL?, rich dad poor dad, social security benefits
Life & Health Insurance: EIUL?, rich dad poor dad, social security benefits, medicare medicaid

Life & Health Insurance: Employer Changed Carriers on Day my Son was born...., medical insurance company, dependent coverage
Life & Health Insurance: Employer Changed Carriers on Day my Son was born...., medical insurance company, dependent coverage, insurance companies

Life & Health Insurance: Equity Indexed Universal Life, mortgage costs, low mortgage
Life & Health Insurance: Equity Indexed Universal Life, mortgage costs, low mortgage, mortgage rates

Life & Health Insurance: Equity indexed Universal Life Insurance, financial representative, financial goals
Life & Health Insurance: Equity indexed Universal Life Insurance, financial representative, financial goals, stock market index

Life & Health Insurance: eiul for retirement, debts, eiul
Life & Health Insurance: eiul for retirement, debts, eiul

Life & Health Insurance: eligibility and premium for wole life with a diagnosis’s of diverticulitis, cepp, mdrt
Life & Health Insurance: eligibility and premium for wole life with a diagnosis’s of diverticulitis, cepp, mdrt, cltc

Life & Health Insurance: equity indexed life insurance, variable universal life, 403b
Life & Health Insurance: equity indexed life insurance, variable universal life, 403b, whole life

Life & Health Insurance: follow up bank on yourself question, financial advisors, mec
Life & Health Insurance: follow up bank on yourself question, financial advisors, mec, cltc

Life & Health Insurance: Gerber insurance plan, beneficiary, life insurance
Life & Health Insurance: Gerber insurance plan, beneficiary, life insurance, babies

Life & Health Insurance: Globe Life Insurance, life insurance companies, unexpected bills
Life & Health Insurance: Globe Life Insurance, life insurance companies, unexpected bills, michael moore

Life & Health Insurance: Health Insurance for 61 & 60 years old., health savings plan, medical savings
Life & Health Insurance: Health Insurance for 61 & 60 years old., health savings plan, medical savings, dental work

Life & Health Insurance: Home Equity Management, universal life policy, cash flow planning
Life & Health Insurance: Home Equity Management, universal life policy, cash flow planning, efficient place

Life & Health Insurance: Insurance For Kids???, permanent insurance, insurable interest
Life & Health Insurance: Insurance For Kids???, permanent insurance, insurable interest, losing a child

Life & Health Insurance: Interest Calculation, current interest rate, death benefit
Life & Health Insurance: Interest Calculation, current interest rate, death benefit, target

Life & Health Insurance: Life Insurance, risk life insurance, life insurance coverage
Life & Health Insurance: Life Insurance, risk life insurance, life insurance coverage, life insurance companies

Life & Health Insurance: Life insurance, educational funds, lutcf
Life & Health Insurance: Life insurance, educational funds, lutcf, school expenses

Life & Health Insurance: life insurance policy, royal bank of canada, insurance division
Life & Health Insurance: life insurance policy, royal bank of canada, insurance division, liberty life

Life & Health Insurance: moving violation, teenage drivers, insurance agent
Life & Health Insurance: moving violation, teenage drivers, insurance agent, insurance companies

Life & Health Insurance: new agent, check option, spell check
Life & Health Insurance: new agent, check option, spell check

Life & Health Insurance: Parent's policy on me, but I'm married
Life & Health Insurance: Parent's policy on me, but I'm married

Life & Health Insurance: Pre-existing condition, hi friend, family insurance
Life & Health Insurance: Pre-existing condition, hi friend, family insurance, health plan

Life & Health Insurance: Is this possible?
Life & Health Insurance: Is this possible?

Life & Health Insurance: primerica joint life policy, brumbaugh, primerica
Life & Health Insurance: primerica joint life policy, brumbaugh, primerica, trimm

Life & Health Insurance: Roth IRA vs Whole Life, life salesman, life policies
Life & Health Insurance: Roth IRA vs Whole Life, life salesman, life policies, dokey

Life & Health Insurance: UNIVERSAL LIFE WITH EQUITY INDEX, insurance market share, life insurance market
Life & Health Insurance: UNIVERSAL LIFE WITH EQUITY INDEX, insurance market share, life insurance market, whole life insurance

Life & Health Insurance: Universal Life Ins. Surrender Value Decreasing, stretch ira, rmds
Life & Health Insurance: Universal Life Ins. Surrender Value Decreasing, stretch ira, rmds, future generations

Life & Health Insurance: VUL, financial planner, whole life
Life & Health Insurance: VUL, financial planner, whole life, dividend

Life & Health Insurance: Whole Life Cash Value Surrender, surrender charge
Life & Health Insurance: Whole Life Cash Value Surrender, surrender charge

Life & Health Insurance: Whole Life Insurance, dave ramsey, financial peace
Life & Health Insurance: Whole Life Insurance, dave ramsey, financial peace, financial gurus

Life & Health Insurance: Whole Life Insurance, ira contributions, risk tolerance
Life & Health Insurance: Whole Life Insurance, ira contributions, risk tolerance, roth ira contribution

Life & Health Insurance: Whole Life vs. Roth IFA, irs representative, roth ira
Life & Health Insurance: Whole Life vs. Roth IFA, irs representative, roth ira, traditional ira

Life & Health Insurance: lapsed life insurance, life insurance settlements, viatical settlement
Life & Health Insurance: lapsed life insurance, life insurance settlements, viatical settlement, life settlement brokers

Life & Health Insurance: Which one?, roth ira, traditional ira
Life & Health Insurance: Which one?, roth ira, traditional ira, term insurance

Life & Health Insurance: father's health insurance, decent health, deductible plan
decent health, deductible plan, high cholesterol: I will admit, $650/mo. for a high deductible plan does seem on the high side. It will depend on a variety of different issues. What is in his medical records? Has he had a medical condition in his past that could cause this problem? What is his height...

Life & Health Insurance: follow up bank on yourself question, life insurance policy, national association of insurance and financial advisors
life insurance policy, national association of insurance and financial advisors, permanent life insurance: Sorry for the delay. I ve been out more than I have been in the last few days. This personal banking idea works well with any competitive company, but it works better with some policies than others. You certainly do not need a certified Bank on Yourself...

Life & Health Insurance: full cash value life insurance, modified endowment contract, life insurance policy
modified endowment contract, life insurance policy, cash value life insurance: Dear Ann, I am not sure what you mean by a full cash value policy. But as a general principle in the long run, assuming that one can afford the premium, a competitive Whole Life Policy will out-perform Buy Term and Invest the Difference when you are...

Life & Health Insurance: Gerber insurance plan, life insurance program, lutcf
life insurance program, lutcf, brumbaugh: Dear Tim, This is a distressingly good offer. I say this because it is the only direct marketing life insurance offer that I have seen that I cannot beat. Its only weakness is that it is specific to one child, whereas a child term rider on your or your...

Life & Health Insurance: Gerber Life Insurance, mail order company, gerber grow up plan
mail order company, gerber grow up plan, insurance rider: Dear Mai, The Gerber Life policy is as good as it looks. It is the one mail order company that offers a good consumer focused policy. But I would rather see you go a different direction. The problems with taking out a policy on each child are that it...

Life & Health Insurance: Globe Life Insurance, universal life policy, universal policy
universal life policy, universal policy, several different kinds: Unfortunately, the name of the policy is not necessarily a good indicator of how well it will produce the desired results. I can t make any judgements about the company because I know nothing about it. However, considering how it worked (or didn t) and...

Life & Health Insurance: Globe life insurance, life insurance calculator, life insurance company
life insurance calculator, life insurance company, term life insurance: Checking the background of an insurance company is fairly simple. The most widely respected company that rates insurance companies is A.M. Best & Co. Globe Life is rated A+ Superior, which should reassure you as to the solvency of this company. Almost as...

Life & Health Insurance: Group Health Ins., bs group, time in alabama
bs group, time in alabama, notice of cancellation: Good question...and no. An employer can change plans at any time. In Alabama, where I live, an employer can change plans three times in one year. Now, it would be in an employer s best interest to have an opportunity to inform their employees of changes...

Life & Health Insurance: Group Life Insurance Beneficiary Deceased, life insurance beneficiary, group life insurance
life insurance beneficiary, group life insurance, life insurance policy: This question is actually more geared towards an estate attorney than an insurance agent. I ll tell you what I know from experience but would suggest the final word would be better coming from an attorney familiar with estate disposition. When there are...

Life & Health Insurance: general supplemental insurance, plan hmo, ppo plans
plan hmo, ppo plans, copay: I have never encountered a health plan that covered everything except radiology and hematology. This type of exclusion is not typical so it may be worth your time to investigate that further. This being said, if you need that type of care, your best...

Life & Health Insurance: Health coverage for US citizen living outside of the US., health coverage, global coverage
health coverage, global coverage, three months: Yes, this is an areas we specialise in. If you could tell me some more about your needs... Are you going to a specific country to live / work or are you looking for a more global coverage? Some countries are now tightening their requirements and if...

Life & Health Insurance: Health Insurance, health insurance provider, privileged information
health insurance provider, privileged information, medical info: Dear Richard: You have to answer the questions if you want health insurance, however they cannot turn you down. Th information will be kept confidential under the Hippa law. Also they could find out the info by checking MIB( MEdical Info Bureau) that...

Life & Health Insurance: Health Insurance, state goverments, health insurance provider
state goverments, health insurance provider, confidentiality laws: Dear Richard, If the insurance company requires the questionaire to be completed then you have to. Here in California the medical information for small groups is used for rating purposes only and not to exclude someone or something. Besides, the Federal...

Life & Health Insurance: Health Insurance, employment laws, place of employment
employment laws, place of employment, new position: James; I do not know of any reason that you cannot have coverage under your employer s plan w3hile your spouse is covered at her place of employment. Laws are different in every state, however, I do believe that you can proceed. Good Luck, ...

Life & Health Insurance: Health Insurance, high cholestrol, condition clauses
high cholestrol, condition clauses, evidence of insurability: Number one...you need to know exactly when his new health benefits would kick in. If the wait is only a month or maybe two you may want to take their extention (I will assume COBRA coverage). The reason being you both have health issues and to go in any...

Life & Health Insurance: Health Insurance, purchase health insurance, health insurance broker
purchase health insurance, health insurance broker, changing jobs: Hi Joe, The rate of $230 a month is a great rate for your age. But double check to make sure that it is health insurance and not a discount plan. The other thing that you want to check is your maximum out of pocket expenses. Often times with the out...

Life & Health Insurance: Health Insurance, health insurance options, low cost health insurance
health insurance options, low cost health insurance, blue cross blue shield: Simply visit the online local Blue Cross Blue Shield in your state. The higher the deductible chosen, the lower the monthly cost. Most Blue Cross plans cover office visits, prescriptions, annual physical/gynecological exams, and urgent care without having...

Life & Health Insurance: Health Insurance for 61 & 60 years old., health insurance companies, guarantee acceptance
health insurance companies, guarantee acceptance, deductible plan: The real question may not be ‘what is best for them’, the real question may be ‘what do they medically qualify for ?’. What I mean is, many health insurance companies (that offer comprehensive coverage) will not take a lot of 60+ people because of pre-existing...

Life & Health Insurance: Health Insurance Coverage In Illinois, health insurance coverage, american airlines
health insurance coverage, american airlines, optometry section: Mike; Thanks for your question. Every state controlls it s own insurance laws. I am not familiar with the laws in IL, however, the federal government passed a law called HIPAA. This law has forced statesn to either offer plans for the uninsurable or...

Life & Health Insurance: Health Insurance--calculating how much I need, coventry health care, health insurance companies
coventry health care, health insurance companies, monetary situation: Congrats on your retirement. Yes, you pay the premium for health coverage for the extreme what if in the event of expensive hospitalizations and costlt diseases, testings, etc. For those in good health it is a BIG expense for a BIG what if . Your...

Life & Health Insurance: Health Insurance Increase, life insurance rates, health risk
life insurance rates, health risk, group coverage: The legality of this underwriting practice is for an attorney. Though your question refers to group coverage, I can tell you that those considered obese are denied coverage on most individual/family plans. Those that smoke are charged a much higher premium....

Life & Health Insurance: Health Insurance for self-employed, health insurance options, business health insurance
health insurance options, business health insurance, property and casualty insurance: Sorry it has been a few days since getting with you. I need some basic information: - State you reside in. - Main carriers in your state for health insurance options - What this state child coverage is (the name of it) and why you feel you might qualify....

Life & Health Insurance: Health Insurance for small company, organziation, group plan
organziation, group plan, person company: Yes, I ve seen this plan from MEGA Life before -- I believe it s just an individual plan (meaning very strict medical prequalification) marketed to self-employed people. Still doesn t solve the primary problem with single-employee companies when the employee...

Life & Health Insurance: Getting Health Insurance w/pre existing condition, cancer treatment center, cancer treatment center of america
cancer treatment center, cancer treatment center of america, city of brotherly love: I must say that it is unfortunate that your father has such a situation before him. I am sorry for what you are dealing with. I have had the same such incidence in dealing with cancer in my family and it is not easy for anyone. You are also dealing with...

Life & Health Insurance: Health Insurance, health insurance policy, health insurance coverage
health insurance policy, health insurance coverage, declaring bankruptcy: Hi George, Ah, the parents dilemna! Been here, George, so I know of what you are speaking about. If here employer has less than 20 employees on payroll then your daughter will not have COBRA available to her. However the state may have a mandated plan, their...

Life & Health Insurance: Health Insurane, health insurance policy, major medical insurance
health insurance policy, major medical insurance, high deductable health insurance: Dear Sallie: No not really. These saving plans offer you reduced rates for services, not coverage. These rates can change at any time. They are good as long as you are healthy. Should you go to a hospital, the bill could be in the 10 s of thousands...

Life & Health Insurance: Health ins w/pre existing, false pretense, pre existing conditions
false pretense, pre existing conditions, google: I am so sorry to hear about your struggles. I have checked some things online and it looks like you may have some eligibility even with pre existing conditions there in California. The best thing about being there is that you have many options avilable to...

Life & Health Insurance: Health insurance, financial ties, care giver
financial ties, care giver, adult child: The contract is between your husband and the insuror. Your husband is financially responsible for all deductibles and co-insurance that arise, whether the dependent is an adult or not. It may be wise to look into obtaining an individual policy for the adult...

Life & Health Insurance: Health insurance for pregnancy, pregnancy question, time insurance
pregnancy question, time insurance, hippa regulations: If you get an individual plan within 60 days of COBRA termination they can not deny and claims for prexisting illness under HIPPA regulations. If you lose credible coverage they cn deny you. Once you have individual coverage anything after that is regulated...

Life & Health Insurance: Health insurance, home office location, better business bureau
home office location, better business bureau, reputable agent: Cindy: It is difficult for me to recommend a company to you since every state controls it s own insurance laws and I do not know in which state you reside. However, here is some good advice on how to find a reputable company. First start with a reputable...

Life & Health Insurance: Health savings account, deductible health insurance, health savings account
deductible health insurance, health savings account, hospitalization plan: Dear Burt: All HSAs are linked to Health Plans because to have a HSA you need to have high Deductible Health Insurance. You can t have a HSA without a health plan therefore only health insurance companies offer them. I don t know what state you are...

Life & Health Insurance: Heatlh Insurance, health insurance market, life insurance policy
health insurance market, life insurance policy, ppo plan: I apologize in advance as I am not as strong in the health insurance market as I am on life coverage. I do know that any kind of individual life insurance policy is going to be prohibitive or even unavailable because they will have the right to exclude your...

Life & Health Insurance: Help, group health plan, blue shiled
group health plan, blue shiled, surgical expenses: Stuart, No problem. Congrats on your position and job and good work. Habitatis a great organization. Most of your coverage for non-for profit organizations can come from BC/BS type policies. These are called service insurers . They are a unique entity...

Life & Health Insurance: Hep C, hepatitis c virus, medical information bureau
hepatitis c virus, medical information bureau, life insurance company: Dear Ed, There is an outstanding small life insurance company based in Spokane, doing business in 12 of the 13 western states, that I consider it my #1 choice to offer. This company is North Coast Life. The phone number is (800) 541-9898. I called then...

Life & Health Insurance: High deductible health insurance, deductible health insurance, blue cross blue shield
deductible health insurance, blue cross blue shield, blue cross blue shield of arizona: Woodrow: Blue Cross Blue Shield of Arizona offers a $10,000 deductible plan. In your age bracket the monthly cost would be $145.00. My guess is that there is not a large enough market to offer higher deductibles than $10,000, as few purchase this deductible...

Life & Health Insurance: Higher Deductible, lower premium for Long-Term policy?, home health agency, selection time
home health agency, selection time, elimination period: Sorry for the delay in responding. It was college selection time at our household. LTC insurance has a deductible (called elimination period) which counts days rather than dollars. So you buy 0, 30, 60, 90, 100, 180 days etc. Some states limits how long/large...

Life & Health Insurance: Home Equity Management, missed fortune 101, insurance contracts
missed fortune 101, insurance contracts, douglas andrew: Yes, I am familiar with the Douglas Andrew book. There is also another book called Missed Fortune 101 , I don t remember who wrote it, but it covers the same topic, Home Equity Management. I do think there are situations where Equity Management can be a...

Life & Health Insurance: Home Insurance, insurance companys, dept of insurance
insurance companys, dept of insurance, home insurance: Hi Alex I can t say if the premium was double but insurance companys can charge whatever they want. It is up to the consumer to decide if the premium is worth it or not. They will charge whatever the market will pay, just like any other business. I suggest...

Life & Health Insurance: HSA, medical savings account, health insureance
medical savings account, health insureance, nationwide health: Hi, If you contgact Nationwide Health Insureance plans they whould be able to direct you to the company that they use. Not knowing which state you live in I can t refer you more than I just have. If I can be of any further help please let me know. Stev...

Life & Health Insurance: h, smyrna georgia, life auto
smyrna georgia, life auto, general insurance: Hi Joyel, Im afraid I am not best placed to advise on Dental Insurance within the USA. The market is internal in that you can only purchase cover from an American company... Might I suggest consulting with a local broker to see what they have to offer -...

Life & Health Insurance: health Insurance, med advantage, financial rewards
med advantage, financial rewards, rewarding field: First of all, allow me to congratulate you on your decision to enter this rewarding field. It s not a piece of cake, but the financial rewards are outstanding for those that can stick with it and build a client base. Good luck on taking your test, I m sure...

Life & Health Insurance: health ins, high deductible plans, individual market
high deductible plans, individual market, independent agent: John; You need to call an independent agent in your area and have them shop for a plan for you. I would probably advise against the dental, as they are not a good buy for the money. As for the price of the plan you have available to you--that would be...

Life & Health Insurance: health ins, medical bill assistance, high deductible plans
medical bill assistance, high deductible plans, major medical coverage: Dropping coverage is HUGE risk. Could you afford treatment for unexpected medical care that arose? medical care is very expensive today. One initial doctor s visit could cost as much as $300 - $500, just for an exam. Then how about the cost of xrays or cat...

Life & Health Insurance: health ins, individual health insurance, offer insurance
individual health insurance, offer insurance, individual insurance: Each state has different laws regarding underwriting, especially regarding individual/family policies. My educated guess is that it will be a huge mistake for you to attempt to obtain individual/family coverage while currently under a doctors care. This pre-existing...

Life & Health Insurance: health ins. rider, health insurance company, congenital diseases
health insurance company, congenital diseases, chiropractic treatments: That IS a very broad exclusion. It is unusual that it is not more specific to the injury and anything related to that injury but then again, it would be hard to determine if future symptoms would be related to the specific injury or not, so that may be why...

Life & Health Insurance: health ins. for the small businessman, medical health insurance, health insurance plan
medical health insurance, health insurance plan, small businessman: Dear Barry: You should go to the HSA. It is the same as an MSA except that you do not lose any remaining money in the account at the end of the year. You can roll over the money in the HSA acct. from year to year and build up another retirement account...

Life & Health Insurance: health ins., doctors hospital, certificate of coverage
doctors hospital, certificate of coverage, insurance commissioner: Hi Tony, Sorry for the delay in responding to your query. Seems like you have, or rather your daughter has, a major problem. The Insurance Commissioner is the best place to start even though, it is a hard one to get to. They know what the contract says...

Life & Health Insurance: health insurance, blue shield health insurance, blue cross blue shield health insurance
blue shield health insurance, blue cross blue shield health insurance, blue cross blue shield: Henry: I am sorry about the delay in responding--email has been down for a week. Every state governs it s own [policies. Bc/BS is not the same in every state. In some states it is not even an insurance company--but an association membership plan. ...

Life & Health Insurance: health insurance, individual insurance, health plans
individual insurance, health plans, health insurance: Since I reside in Ohio, I cannot reccommend an agent. I suggest you call around and get some information about different health plans in your area. Be sure and read the coverages and limits and not just the lowest premiums. Health insurance can be confusing...

Life & Health Insurance: health insurance, enrollment periods, deductible amount
enrollment periods, deductible amount, health insurance: You say you do not get insurance. Why? Sounds like he does not offer health insurance to anyone. Correct? The answer depends upon which state you are in and the # of employees he has. Various states require employers to offer health insurance but the regulations...

Life & Health Insurance: health insurance, state insurance commissioner, health insurance plan
state insurance commissioner, health insurance plan, meticulous records: Wow...these types of mistakes are not common because everything is autoadjudicated today. It sounds odd. Who is the carrier? Did they admit they underpaid you? How did they say they would resolve it and when? They have 30 days to respond to and resolve your...

Life & Health Insurance: health insurance, chronic lung disease, renee williams
chronic lung disease, renee williams, group plan: COBRA is way too expensive. The cost is not justifiable in my opinion. Why even keep it for him? BUT there are some things you do need to think about. For one thing, you say that you have checked out individual BCBS for yourself and your son. Are you covered...

Life & Health Insurance: health insurance, even cancer, coverage plan
even cancer, coverage plan, family coverage: I will assume that you are planning a family or an addition to ask such a specific question...congrats. As long as you remain covered and his new employer does not have any exclusions on pregnancy, then you should be OK. Now, another consideration is to...

Life & Health Insurance: health insurance, health insurance coverage, cobra coverage
health insurance coverage, cobra coverage, state pool: Hi Olivia, In order to add him to your policy, he would have to legally become your dependent. Which would make you liable for his debts, etc. Plus, your group plan may not be setup to allow parents. Each state has a State Pool in which everyone can...

Life & Health Insurance: health insurance, arizona health insurance, health insurance broker
arizona health insurance, health insurance broker, wood ms: Ms. Wood: In Arizona most individual PPO plans do not cover maternity, only complications of pregnancy. Individual HMO plans will cover maternity, but most require that the delivery of the baby not take place in the first 12 months of the policy. These plans...

Life & Health Insurance: health insurance, principle member, dependant
principle member, dependant, insurance company: Hi Tanya, Many thanks for your question. Not knowing the details of your policy, I cannot guarantee the answer, but as a rule; the following would apply: If you are the principle member on the contract (ie; it is in your name and your husband is classified...

Life & Health Insurance: health insurance coverage, health insurance company, health insurance coverage
health insurance company, health insurance coverage, homeopathic approach: Unfortunately, your practical expectations are quite realistic. I wouldn t be too optimistic. In this case, whether or not the clause in the policy is reasonable or fair it is a contractual clause that was agreed to by both parties, and insurance companies...

Life & Health Insurance: health insurance for older people, affordable health insurance, group health plan
affordable health insurance, group health plan, social security office: I wish I had more information on this, such as, Why are they now looking for health coverage? Did they just recently come off of a group health plan? Are they on Medicare? Since I don t know this information, endulge me, and I ll give you the long answer....

Life & Health Insurance: health insurance, independent insurance agent, george harris
independent insurance agent, george harris, mr harris: Ruthel: Every policy is different from state to state due to mandates. I do not have a working knowledge of the specific policies that are available in your state. That being said , I would recommend that you speak with an independent insurance agent...

Life & Health Insurance: help, individual dental plans, smyrna georgia
individual dental plans, smyrna georgia, life auto: Dear Joyel, When you do a web design, you bring to it ideas that you have already stored in your mind. Suppose that you were committed to a limited amount of ideas, and could only use them or any variations only once. And you could only continue after receiving...

Life & Health Insurance: help, accredited companies, state insurance
accredited companies, state insurance, smyrna georgia: Unfortunately dental insurance is pretty much the same across the board. Your copays and such line up close in each policy. Being in Georgia should allow you some more options, however. Your best starting point woudl be checking on the Georgia State Insurance...

Life & Health Insurance: help, dental insurances, insurance product
dental insurances, insurance product, smyrna georgia: I m sorry, but there s not an insurance product out there that would cover preexisting conditions and charges that have already been incurred. No insurance company could possibly stay in business if they took on charges that were known to be necessary and...

Life & Health Insurance: help, dental insurance plan, dental discount plan
dental insurance plan, dental discount plan, ameriplan dental plan: You need to find a good INDEPENDENT agent that sells many companies not just one. They should be able to guide you to see what you can get. I am afraid you are going to find that NO dental insurance plan will cover more than a couple thousand dollars at...

Life & Health Insurance: help, center for medicare and medicaid services, social security office
center for medicare and medicaid services, social security office, smyrna georgia: The only other option you will have available is to purchase a discount dental plan . The reason I say this is that dental insurance has pre-existing clauses that will not help you with your situation. Discount plans go 100% in effect almost immediately...

Life & Health Insurance: help, expert info, smyrna georgia
expert info, smyrna georgia, life auto: Dear Joyel: Please visit the following web sites: www.Innsurance.us www.Dental-Plan-Expert.info www.best5online.com/insurance DeDental-Insurance-Info.Gd-Ins.com ntalTreatment.TopBestSites.Org www.allbusiness.com After getting necessary information,...

Life & Health Insurance: The hunt for life insurance papers, checkbook registers, burial policies
checkbook registers, burial policies, location fo: Kevin: First let me apologize for taking so long to respond. I have been out of town since Thursday. There is no central location fo insurance info, however, let me suggest that you look through past checkbook registers to see if premium was being...

Life & Health Insurance: The hunt for life insurance papers, insurance papers, funeral director
insurance papers, funeral director, central location: Hi Kevin The answer is no. I suggest you try to find her checking account and see if she had written any checks to an insurance company. Also look for old insurance booklets that an agent might have collected directly from her. Have you talked to the funeral...

Life & Health Insurance: Illinois Health Insurance, illinois health insurance, optometry section
illinois health insurance, optometry section, state of confusion: Hi: You and your wife can get your own policy and you can keep your kid on COBRA for 36 months by federal law. After That your child is eligiable for HIPPA. That is complete coverage for him with no prexisting conditions. Ask a good agent in your town...

Life & Health Insurance: Income tax on life insurance, life insurance policy, employment pension
life insurance policy, employment pension, cases gifts: Sylvie: Sorry to learn of your ex-husband s death. As for income taxes, the money is yours, tax free. Should you choose to give it away, this does not create income taxes, as gifts are not income. In some cases, gifts can create gift taxes. However, the amounts...

Life & Health Insurance: Incompetent mom's health insurance cancelled..., mental health problems, insurance premiums
mental health problems, insurance premiums, insurance product: Not that I am aware of, however it s important to note that I am an insurance product specialist, not a legal expert which would probably be more along the lines of who you would need to ask. This would be a matter of law (insurance law, specifically) and...

Life & Health Insurance: Independent Agent, independent insurance agent, cancer indemnity
independent insurance agent, cancer indemnity, well wisher: Dear Mike Edison: I am, indeed, more than glad over your Burning Desire of selling insurance, as a Part-Timer, and not have any quotas pressing on you. To answer you properly, please forward your c.v. with an assurance that if there is a will, there...

Life & Health Insurance: Independent Agent, independent insurance agent, cancer indemnity
independent insurance agent, cancer indemnity, national association of insurance and financial advisors: Mike: As a Charetered Life Underwriter, and a 23-year veteran of this industry, I have to tell you that I recommend against part-time sales of life insurance. Unless you devote your full energies to this, and to learning how life insurance fits into the...

Life & Health Insurance: Independent Agent, independent insurance agent, cancer indemnity
independent insurance agent, cancer indemnity, road trucking: You will have to sign up under a General Agent somewhere. They are the field distributors of insurance policies. There are some companies that you can deal direct with. Most of these have no quotas, etc. It also depends what state you are in as to what...

Life & Health Insurance: Independent Agent, independent insurance agent, cancer indemnity
independent insurance agent, cancer indemnity, road trucking: Mike: If you are going to sell life and major medical i would not consider doing that on a part time basis. Everything is changing so fast that you would be asking for an E & O claim. As for supplemental policies and such--I would go to the library and...

Life & Health Insurance: Index UL, equity indexed universal life, life insurance policy
equity indexed universal life, life insurance policy, income tax deduction: Thanks for the question. The purpose of life insurance is to create an estate in discounted dollars. It is not primarily to serve as an investment. Cash value life insurance has the advantage of providing loans and cash surrender values which can also serve...

Life & Health Insurance: Individual Coverage Options, cobra laws, hodgkin s lymphoma
cobra laws, hodgkin s lymphoma, cobra coverage: Hi Lanay, Generally speaking you will not qualify for any individual coverage until the cancer has been in remission for another 3 years. Congrats on the first two years and I wish many more years of good health. You will be able to get COBRA coverage...

Life & Health Insurance: Infertility insurance, infertility coverage, infertility insurance
infertility coverage, infertility insurance, injectable medications: That is so expensive!! There are no supplemental policies that will cover that, I am sorry to say. How could the premiums be affordable with a known expense that is so large? Some plans exclude it completely. You could try a faith based policy such as Medishare,...

Life & Health Insurance: Insurance, disability income insurance, social security retirement
disability income insurance, social security retirement, genetic lung disease: Neva: I can t answer your questions with specific information as my expertise is disability income insurance. If I were in your shoes I would 1) speak to an attorney who specializes in Social Security/Medicare work and 2) speak to my local Social Security...

Life & Health Insurance: Insurance, life insurance india, saquib
life insurance india, saquib, best brokers: Hi Saquib, Insurance is all about connecting with the person, best brokers are not necessarily the ones that know the product/company better. And you have an even harder job which is selling something that does not exist (intangible), that a person will...

Life & Health Insurance: Insurance Conversion, current health situation, life insurance policy
current health situation, life insurance policy, death benefit: Well, those numbers certainly seem to make a heck of alot more sense, thanks for clearing that up! What I see here is something that requires SOME action, and which action is best, again, depends on your current health situation. The reason for this is...

Life & Health Insurance: Insurance Death Benefit to Replace Income, paying off debts, death benefit
paying off debts, death benefit, brumbaugh: Dear Paul, Present value will do,if you use an earnings rate on principal required to provide income in the amount of 2.5% to 3.5%. To this you would add any lumpsum requirements due at death. From this you would subtract any other available income stream....

Life & Health Insurance: Insurance & Estate, life insurance proceeds, kind interest
life insurance proceeds, kind interest, saeed: Dear Abu Daud: I think you have misconception, I have been involved in this field since 1985 and my most of the customers are muslims. We pay the benefits directly to the nominee. If you have any example, please elaborate. I would like to check it before...

Life & Health Insurance: Insurance Investment, life insurance contract, mike feinberg
life insurance contract, mike feinberg, missed fortune 101: Any company that has been in business for 50+ years and holds a A+ or better financial rating with Standard & Poors would be worthwhile -- there are too many to count, and in my eyes, an appropriate recommendation does not start with the name of an insurance...

Life & Health Insurance: Insurance for Kids???, life insurance protection, blue chip company
life insurance protection, blue chip company, permanent life insurance: I think if the primary goal is investment purposes (for education, etc) then I don t think there should be ANY insurance purchase along with an investment (you ve mentioned term insurance plus other investments.. I don t even see the need for the term insurance...

Life & Health Insurance: Insurance For Kids???, blue chip company, income producer
blue chip company, income producer, death benefit: Dear Chow, Rarely is it wise or appropriate, in my opinion, to purchase individual policies on children. The exceptions would be where the child is an income producer such as a child actor or one that will at some point be inheriting an estate that when...

Life & Health Insurance: Insurance on Mortgage for house, mortgage insurance company, state insurance commissioner
mortgage insurance company, state insurance commissioner, local tv station: I cannot help you since this is a matter between you and them. But what you can do is call the state insurance commissioner and tell them what s been going on and see if they can help. That s what they are for. Then also call up a local TV station that...

Life & Health Insurance: Insurance Policy Conversion, life insurance policy, lifetime coverage
life insurance policy, lifetime coverage, death benefit: It is always hard to answer questions about existing life insurance policy options, even with the extensive information you have provided us, without seeing an in-force illustration. The paid-up status is what I am most intrigued by, given the fact that...

Life & Health Insurance: Insurance Policy, medical information bureau, health insurance agent
medical information bureau, health insurance agent, insurance underwriter: Without knowing more, I think what you are touching on is the Medical Information Bureau. This is like a credit reporting agency, but instead of reporting credit information, it reports attempts to buy insurance in recent months and years. Being declined...

Life & Health Insurance: Insurance Practice, insurance practice, legal agreements
insurance practice, legal agreements, saeed: Yes, Islam supports legal agreements and encourages people to help themselve as well as contribute efforts and money for the welfare of the Society. Life Insurance is a contract where one party agrees to get a financial protection against certain events...

Life & Health Insurance: Insurance Problem, northern virginia area, insurance problem
northern virginia area, insurance problem, kaiser permanente: You are not the first or last person to complain about Kaiser in this state. But truth is HMO coverage anywhere is horrible because you do not have coverage anywhere out of area. Kaiser makes no exceptions. I am helping a woman who was a passenger in two separate...

Life & Health Insurance: Insurance and pregnancy, hospital indemnity, lump sums
hospital indemnity, lump sums, insurance bill: OK, first of all congrats on the plans. Next, I will go on the assumption that you have not gotten pregnant yet. To help with the costs you have a few basic options. There also may be some things within the state you are in that could help. Check with...

Life & Health Insurance: Insurance rider, health insurance companies, insurance rider
health insurance companies, insurance rider, hyperkeratosis: Dear Cee-Cee: If you don t sign it they CAN deny you coverage. All insurance companies have the right to reject you. The choice is up to you. Are you willing to risk one year for the waiver or continue to pay the high premiums of your present policy?...

Life & Health Insurance: Insurance writer, pro and cons, term insurance
pro and cons, term insurance, insurance policy: I would not approach this issue with a rider. If you need life insurance buy the term policy as a stand alone policy. Typically if you take 10 times your gross (before tax) income and insure for that amount--you could create about 60% of your current income....

Life & Health Insurance: Insurance writer, term life policies, added benefit
term life policies, added benefit, pro and cons: I believe what you are referring to is a rider. A rider is an option that you add to policy to provide an added benefit. An example would be a waiver of premiums rider, that pays your premiums for you if you should get sick or injured and can t work. Another...

Life & Health Insurance: Insurance, life insurance policy, dividend option
life insurance policy, dividend option, additional insurance: Thank you for your follow-up. It appears that you have a traditional Participating Whole Life Policy with dividends accumulating at interest. If so, my first recommendation is that you use the current accumulated dividends to pay the current premium...

Life & Health Insurance: Interest Calculation, universal life policy, jefferson pilot
universal life policy, jefferson pilot, interest calculation: The ^ is computer-speak for to the power of (meaning an exponent). Unfortunately, I can t really adequately answer your question with the information provided -- there are alot of variables that go into cash value calculation. Do remember that a...

Life & Health Insurance: International Health Insurance, international health insurance, international medical insurance
international health insurance, international medical insurance, minor ailments: Hi Mark, thanks for your question. I would be happy to send you some details for closer inspection if you like, simply drop me a line at paul@essentialhealthltd.com and I will send you the relevant information. You are right with regard to the Cosmetic...

Life & Health Insurance: Investing in Life Ins, mutal fund, luck john
mutal fund, luck john, investing in life: This is hard to answer but I speak from expierence since we both have Indexed UL policies. They have not done well as most of them have changed how much % of the earnings you get to keep. Had they stayed with the 70 to 85 % figures we thought they would,...

Life & Health Insurance: Investment-linked Insurance, variable life insurance, investment linked insurance
variable life insurance, investment linked insurance, dear michael: Sounds like you are talking about variable life insurance -- I m not a big fan of any insurance that is thought of as an investment. There is a description of this type of insurance found in many places, one of which is: http://www.investopedia.com/terms/v/variablelifeinsurancepolicy.asp...

Life & Health Insurance: Investment-linked Insurance?, equity indexed annuities, mutual fund strategy
equity indexed annuities, mutual fund strategy, equity indexed universal life: Dear Chow, I believe what you are talking aboput is the relatively new Equity Indexed Universal Life policy. It is offered by such companies as AmerUs, American General and Conseco. There are others, and I am appointed with the first two. The idea is...

Life & Health Insurance: income tax on cancelling a whole life policy, term life insurance, relative merits
term life insurance, relative merits, surrender value: Dear Paul, 1. The income tax would be on the amount that the surrender value exceeds the premiums paid. Taking an 80% loan and letting the policy expire in a couple of years does not eliminate the potential for a 1099 being sent to the IRS (as would be...

Life & Health Insurance: individual dental insurance, goverment programs, individual dental insurance
goverment programs, individual dental insurance, citizen programs: Hi Julie, As I am in California I have to say I have not heard of such a plan. But there are different plans in all the states. I would, however, check with a broker in your area that handles dental insurance and ask them the same question. One thing you...

Life & Health Insurance: individual health coverage, individual health policies, personal health insurance
individual health policies, personal health insurance, individual health insurance: I m sorry, but Mississippi is not one of the states that I work with health insurance in, so I would not be familiar with the companies servicing your area. For individual health insurance, however, I think she will have a very difficult time obtaining coverage...

Life & Health Insurance: individual health insurance plans, individual health insurance, blue cross blue shield
individual health insurance, blue cross blue shield, individual health plans: Dear Ron: There are many companies that are good in AZ. There is Humana, Blue Cross Blue Shield, Fortis. I don t know the rates, but they are all less than $560.00/month. Your wife should stay with Cigna and you should move. If you want some quotes,...

Life & Health Insurance: individual health insurance, individual health insurance, serious health
individual health insurance, serious health, health issue: I can not mention any companies as they tend to fluxuate in different parts of the country (and world). The most important things to consider are: - What has been your usage of your medical coverage in the past? If you have some serious health issues,...

Life & Health Insurance: individual health, fly by night, sales pitches
fly by night, sales pitches, health care plan: Sorry for the delay in responding. The lareger insurance companies - Blue Cross, United, Humana, etc are all stable and will be able to help you get insurance. However, i would recommend working with an agency. They won t charge you anything and they are experts...

Life & Health Insurance: insurance, variable life policy, universal life policy
variable life policy, universal life policy, jewrely: Hi Dee I suggest you meet with a financial planner who isn t employed by an insurance company. I agree you need life insurance but your situation requires additional attention in all areas. You should have a complete financial evaluation. If you are not happy...

Life & Health Insurance: insurance, variable life insurance, variable life policy
variable life insurance, variable life policy, universal life policy: Dilena, Dilena: What you need is not insurance advice. You need a financial advisor! Let s start with cash flow. You have no savings, no investments, no discretionary income at month s end. You do NOT need variable life insurance. You may not have the right...

Life & Health Insurance: insurance, variable life policy, universal life policy
variable life policy, universal life policy, jewrely: Dee: I am impressed that you are looking into these issues. First--DO NOT buy the variable life policy! Life insurance--of any kind--is not an investment. There have been many companies lose lawsuits for marketing Life insurance as an investment. Fire...

Life & Health Insurance: insurance, variable life policy, mike feinberg
variable life policy, mike feinberg, universal life policy: Hello... just checking in to see if you would like my assistance on your insurance situation. Please see a copy of my original response below. Hope you have a great weekend! Mike Feinberg 1-866-404-8714 Hi! I can definitely help you -- you have...

Life & Health Insurance: insurance, variable life policy, universal life policy
variable life policy, universal life policy, jewrely: Dear Dee, Your situation sounds like that commercial I ve seen on TV. Before I can offer my ideas, I have some questions for you. 1. How many years do you have left on the mortgage? 2. How much are your mortgage payments? 3. Are you paying extra...

Life & Health Insurance: insurance, great west insurance, new insurance
great west insurance, new insurance, united health: Is your insurance thru an employer? What state do you live in? how large is the group? Did the amount change because the deductible was raised? What makes up the difference between the $530 and the $2000? Pleaswe send me more info so I can give you a better...

Life & Health Insurance: insurance, life insurance products, life insurance policy
life insurance products, life insurance policy, 401k plan: Jacqueline -- it s very hard to know how to answer that without more details about the policy. It is certainly true that if you were to cancel the insurance policy to replace it with something more suitable, that much of the money you placed into the coverage...

Life & Health Insurance: insurance claim, life insurance companies, gun violence
life insurance companies, gun violence, death claims: It is standard operating procedure for a life insurance companies to investigate all death claims that occur within two years of the policy issue. They want the coroner s and police report to verify that it was not a suicide. As far as the medical records...

Life & Health Insurance: My insurance company has failed us...., e mail address, legal guidance
e mail address, legal guidance, insurance card: This is a complicated situation. You need someone to guide you in how to handle this and possibly make an appeal. You may need legal guidance but I can help you figure out the best solution if you e-mail me privately. I need to know a lot more about the insurance...

Life & Health Insurance: insurance refunds, long term care insurance, term care insurance
long term care insurance, term care insurance, insurance refunds: I can only speak to Long Term Care insurance policies so if that is what you have, you would only get a refund of premium if you bought a rider (sometimes like nonforfeiture) to the policy stipulating a return of premium upon lapse. So look in your Schedule...

Life & Health Insurance: insurance, variable life policy, life insurance plan
variable life policy, life insurance plan, universal life policy: Dear Dee: Thanking you for referring me an important question and bestow me an opportunity to recommend you a new or update your existing Life Insurance Planning. As you are well aware, life insurance plan has always been a long term plan and needs to...

Life & Health Insurance: To insure or Not......., term life insurance, insurance field
term life insurance, insurance field, yr term: Willie: Life insurance should be in place to: 1. provide income to dependents, 2. pay for last expenses, or 3. pay for estate taxes. The only one you fit into is #2. You have to ask yourself who would pay for my funeral should I die?? If you...

Life & Health Insurance: Who invented group insurance?, group health insurance, employer relationship
group health insurance, employer relationship, eligible groups: Insurance companies always define eligible groups as consisting of employees in an employee employer relationship, working for the group for a minimum # of hours per week. You have to be employed by the group to be eligible. In some instances you can...

Life & Health Insurance: investigate, richland hills tx, state department of insurance
richland hills tx, state department of insurance, better business bureau: This question is outside of my expertise but in general you can call your state s Department of Insurance to find out if there are any written complaints filed against the company. The Better Business Bureau may also be helpful in this regard. There are...

Life & Health Insurance: jordan shoes & clothes, michael jordan dunking, jordan shoes
michael jordan dunking, jordan shoes, shoes and clothes: Dear Abdiwahab Ahmed: Thank you very much for referring a question to me. Please tell me the answers of the following questions so that I could help you in arranging an appropriate Emergency Fund for you and your family in the case of your retirement,...

Life & Health Insurance: Keep or surrender cash value?, universal life policy, taking your time
universal life policy, taking your time, first house: Dear Jeff, Your father has done you a favor. Assuming that you are in your early 20s, the actual cost of your coverage this year is less than $100.00. Plus the interest earned this year may be in the range of $190.00. Thus by doing nothing, you should...

Life & Health Insurance: LIFE AND HEALTH INSURANCE TEST, health insurance industry, mike feinberg
health insurance industry, mike feinberg, old adage: The old adage says... keep trying. There s definitely good money to be made if you find an agency that will provide you with the proper training once you have your license. Just review the information that you missed and give it another shot! Mike Feinber...

Life & Health Insurance: LIFE & HEALTH TEST, exam cram, bisys
exam cram, bisys, health test: My biggest breakthrough was when I went to the bookstore and purchased EXAM CRAM By BiSys for Life and Health Insurance Testing. I believe BiSys is actually involved in the process of the making of the test. Then I crammed like crazy and got a great passing...

Life & Health Insurance: LIFE INSURANCE, insurance consultant, insurance market
insurance consultant, insurance market, term period: I would be very happy to help you -- In addition to being an insurance consultant I am also a broker, I work with all of the same companies that sites like selectquote.com at the exact same prices, except that I m much more experienced in the insurance market...

Life & Health Insurance: LIFE INSURANCE, perfect health, suze orman
perfect health, suze orman, insurance company: Enes, While I do not agree with much that Suzie Orman says, Select Quote is probably a good place for a quote. One thing to know is that Select Quote is not an insurance company. They are what s called a broker. They will take your information and get...

Life & Health Insurance: LIFE INSURANCE, return of premium life insurance, life coverage
return of premium life insurance, life coverage, death benefit: I respect Suze Orman and what she suggests. Selectquote is an agency that offers different companies. Personally, I would prefer to do business with an agent, locally, that can help me over the years, and not just to buy something. The thing many people...

Life & Health Insurance: LIFE INSURANCES, life insurance premiums, roth ira contributions
life insurance premiums, roth ira contributions, insurance marketer: Dear Deana, Thank you for your questions. I will answer from simple to detailed. Globe Life is NOT your best choice. In fact there is only one mail order life insurance marketer that I respect, and that is Gerber Life. Globe is over priced and a weak...

Life & Health Insurance: Life and Disability Insurance, short term disability, social security disability
short term disability, social security disability, whole life insurance: Hi Marvette. First, buy disability. The threat is greater and it s harder to qualify for. If there s no state short term disability plan, go with a thirty to sixty day wait on a one or two year benefit plan. That means if you get disabled, it would pay for...

Life & Health Insurance: Life and Health Exam, stay at home mom, crunch times
stay at home mom, crunch times, time crunch: Congrats on getting in there and doing. I set mine off and had all kinds of trouble getting motivated to finish. Self study is tough for everyone. You seem to have all the necessary tools at your disposal and you seem to be using them quite well. You...

Life & Health Insurance: Life Ins, group life insurance, life insurance policies
group life insurance, life insurance policies, life insurance policy: Hi Steve, I am sorry to say that most group life insurance policies end when a person either quits or retires from their job. If there was any coverage in place it would probably be with his last employer. By checking his tax records you could find...

Life & Health Insurance: Life Ins, life insurance policy, janitor insurance
life insurance policy, janitor insurance, benefit tax: If your father was a veteran, I do know they keep records in St. Louis...I can give you the web address if needed. I have forwarded your question to a colleague who may know more. Here is her answer. I am not aware of any. There would be serious privacy...

Life & Health Insurance: Life Ins. as a savings vehicle, horrible idea, prepaid college
horrible idea, prepaid college, insurance agent: I think that s a horrible idea -- typical of an insurance agent to suggest that though. (And that s coming from an insurance agent!) I would suggest a prepaid college plan or 529 plan. You can find more information about the plans offered for Texas (they...

Life & Health Insurance: Life Ins, medical information bureau, life insurance policy
medical information bureau, life insurance policy, employment records: The only thing I can think of is that you contact the Medical Information Bureau. The MIB has reports on individuals medical history and offers these reports to insurance companies. If your father had an insurance policy, they went through the MIB to get...

Life & Health Insurance: Life Insc., life insurance proceeds, life insurance trust
life insurance proceeds, life insurance trust, irrevocable life insurance trust: Charles, yes . :) Under a non-estate tax planned death, the proceeds will go directly to the beneficiary(ies) *AND* is considered part of their estate (subject to taxes). Depending on the size of the estate, there are several ways to reduce estate...

Life & Health Insurance: Life Insurance, well wishers, financial matters
well wishers, financial matters, helping others: Dear Masarrath: Insurance is not only a solicitation but also matter of continued learning, enjoying and helping others. In fact, the person who uses the above guiding principles, always get success. Learn about Science of attitudes, about yourself,...

Life & Health Insurance: Life Insurance, amerus life, gleason score
amerus life, gleason score, psa test: Dear Susy, Being unfamiliar with this kind of risk, I contacted a company that I thought would be in your area. To me they seemed upbeat in their response, in that they said they would be willing to look at your husband s case after one year from the last...

Life & Health Insurance: Life Insurance, gleason score, psa test
gleason score, psa test, seed implants: Incidentally... my experience with AAA is that their rates if you ARE able to get coverage through them are typically 15-20% higher than the best available companies. Look forward to speaking with you soon. Sincerely, Michael S. Feinberg, ChFC President...

Life & Health Insurance: Life Insurance, gleason score, psa test
gleason score, psa test, seed implants: Hi Susy That is wonderful news that your husband is doing well after his treatments. Hopefully he will continue to improve. My biggest frustration working in the financial and insurance field is the mindset of so many that life insurance is not important...

Life & Health Insurance: Life Insurance, universal life insurance, life insurance policy
universal life insurance, life insurance policy, birthday issue: Wow, what a mess. The birthday issue could be a non-issue because many (most) insurance companies round to the nearest birthdate anyways, so in many cases the key date to determine age changes is the 6-month mark from the birthday, not the birthday itself....

Life & Health Insurance: Life Insurance, life insurance policy, heart disease cancer
life insurance policy, heart disease cancer, family history of heart disease: Hello Beryl -- The easy part of the answer is that life insurance death benefits paid at death are completely tax-free to the beneficiary(ies) in all cases as long as the premiums for the insurance were not deducted from the premium-payor s taxes. This...

Life & Health Insurance: Life Insurance, open enrollment periods, term life policies
open enrollment periods, term life policies, life insurance policy: Dawn: A lot depends on the course of his treatment over time. It s pretty unlikely that he could qualify for medically underwritten coverage currently. However, after a successful course of treatment, the situation could change. I have been successful at...

Life & Health Insurance: Life Insurance, life insurance policy, probate attorney
life insurance policy, probate attorney, executor of the estate: The first thing I would suggest is to contact the executor of the estate (this may be you, but the court would have assigned an executor at the probate hearing), let the executor know about the policy, as the funds from the policy may most likely have to go...

Life & Health Insurance: Life Insurance, life insurance policy, step dad
life insurance policy, step dad, horrible story: First of all, I would like to give you my condolences as to the passing of your mother, I know that is not a pleasurable experience. From what you have said, I can gather that the experience did not get any easier after her passing, I’m assuming by the way...

Life & Health Insurance: Life Insurance, life insurance benefits, beneficiary designation
life insurance benefits, beneficiary designation, insurance company: The insurance company will have the latest beneficiary designation. I would suggest contacting the employer and finding out who the insurance company was. The employer would have record of which company they did business as someone had to receive the premiums....

Life & Health Insurance: Life Insurance, life insuarnce, cash surrender
life insuarnce, cash surrender, unsecured loans: I am assuming you mean the cash surrender values of a policy prior to death. The general answer, depending on which state you live in is - no. One of the advantages of owning life insurance is the protection of proceeds from creditors. Please don t interpret...

Life & Health Insurance: Life Insurance, money market accounts, term life insurance
money market accounts, term life insurance, long term care insurance: Hi Evan, and congratulations on your matrimony. I am also in my early 50 s (55), and have been married for 25 happy years. (Hey, 25 out of 29 isn t bad!) Currently, I own a large term life policy, in addition to my Joint UL policy that covers me and...

Life & Health Insurance: Life Insurance, selling life insurance, internal expenses
selling life insurance, internal expenses, health license: I m going to have to do some assuming, here. I m assuming that since you sold life insurance and have been doing pretty good, that you are selling some form of universal or equity indexed life (permanent coverage). Personally, I don t sell a lot of permanent...

Life & Health Insurance: Life Insurance, life insurance policy, beneficiary
life insurance policy, beneficiary, fiance: ANYBODY can be the beneficiary on a life insurance policy. You NEED to be the primary beneficiary and after you are married, have him change the beneficiary with you as his wife. They normally ask what relationship the beneficiary is to the insured person....

Life & Health Insurance: Life Insurance, tax accountant, aunt lives
tax accountant, aunt lives, death benefit: Dale, The best thing to do is to get with an experienced life insurance person in Oregon. I know some up there in the NW. You need someone to look the policy very closely, along with the state and estate tax issues between the two states and the tax situation...

Life & Health Insurance: Life Insurance, life insurance policy, department of insurance
life insurance policy, department of insurance, insurance companies: Pat, Generally, each state will have it s own laws, if any. The first thing I would recommend is to contact the Department of Insurance for your state to see if there are any limits. Once you know whether or not there is a law, you can take appropriate...

Life & Health Insurance: Life Insurance, life insurance coverage, medical exam
life insurance coverage, medical exam, telephone interview: The only kind of life insurance coverage your husband can take out on you, without your knowledge, might be something he would have available at his work. Every other type of coverage could require a medical exam, which you would know about. At the least,...

Life & Health Insurance: Life Insurance, key man insurance, dear scott
key man insurance, dear scott, death benefit: Taking out life insurance on someone without their knowledge is really pretty difficult. Why would he be interested in taking out life insurance on you? Well, he may feel that you are a valuable employee and to replace you, because of an untimely death,...

Life & Health Insurance: Life Insurance, life insurance policy, residential license
life insurance policy, residential license, michigan license: Yes, you need a nonresident life license to sell life insurance to residents of a state other than your resident state of Michigan. Typically, you can apply for both life and health lines at the same time when you apply for a nonresident license. Mik...

Life & Health Insurance: Life Insurance, exwife, sole person
exwife, sole person, insurance policy: If he is the listed owner of the insurance policy according to the insurance company (I would verify this before doing anything else), then he is the sole person able to make decisions on keeping the policy or not. If his ex-wife has been paying for the...

Life & Health Insurance: Life Insurance, money market accounts, term life insurance
money market accounts, term life insurance, rule of thumb: Evan: Congrats on your marriage. I see you have found the number one cause for dissagreements in a marriage---money. Both of you are right to a degree. When looking at life insurance you should have a policy if: 1.you have anyone that is dependent...

Life & Health Insurance: Life Insurance, life insurance policy, life insurer
life insurance policy, life insurer, sorry mike: I m sorry but I don t know that there s a simple answer on this -- it will likely depend on the cooperation, if any, that you can obtain from his previous employer and the underlying life insurer. They would have to agree to extend the deadline retroactively...

Life & Health Insurance: Life Insurance, emotional stress, burial plot
emotional stress, burial plot, funerals: Jean, It would probably be expensive to purchase life insurance on them at this age, and it is unlikely you could get it on your dad. There are a couple of options for you to pay for a funeral. The first is to pre-buy an arranged funeral/burial plot....

Life & Health Insurance: Life Insurance, permanent life insurance, variable universal life
permanent life insurance, variable universal life, substantial payment: Your question is one that is repeated tens of thousands of times. Group insurance is almost always term life. Term life is a lease on life insurance, not a deed of title. Permanent life insurance is available today more economically than ever before, and if...

Life & Health Insurance: Life Insurance, chartered life underwriter, medical information bureau
chartered life underwriter, medical information bureau, chartered financial consultant: When you apply for life insurance, there is a report made by the insurance company to MIB, the Medical Information Bureau. This is kind of like a credit report, but does not contain specific medical information. When you apply for insurance, most applications...

Life & Health Insurance: Life Insurance, mike feinberg, new insurance
mike feinberg, new insurance, medical test: Quite often you are asked about previous denials of insurance, but not always. In addition, just having been declined in the past doesn t automatically mean that he would be unable to obtain new insurance. They would independently look at his weight/blood...

Life & Health Insurance: Life Insurance, supplemental life insurance, life insurance policy
supplemental life insurance, life insurance policy, payroll deductions: Dear Jim, Things may not be as dark as they seem. It is possible that this may be the type of supplemental insurance that is portable. In other words, it may be that you can continue the policy on your own. As to the latter question, I would need to...

Life & Health Insurance: Life Insurance, national association of health underwriters, professional financial advisors
national association of health underwriters, professional financial advisors, national association of insurance and financial advisors: Dear Sally, It certainly is not a conflict of interest to have more than one broker attempting to serve you. However it may be that neither of the ones that you are working with is the one that you need. Are either one of these agents a member of the...

Life & Health Insurance: Life Insurance, gleason score, psa test
gleason score, psa test, seed implants: Susy: Any of the companies that do not ask medical questions will be very expensive. Typically, most companies want at least 5 to 10 years treatment free, symptom free before they will consider. U. S. Financial Has very liberal underwriting and may...

Life & Health Insurance: Life Insurance on absentee parent, life insurance policy, dead beat dads
life insurance policy, dead beat dads, daugther: Unfortunately, it would be impossible to obtain insurance on someone without their authorization. The authorization could be as simple as their signature on a form (in other words, he wouldn t need to pay for it, take a medical exam, talk to anyone on the...

Life & Health Insurance: Life Insurance Beneficiaries, life insurance beneficiaries, life insurance policy
life insurance beneficiaries, life insurance policy, revocable living trust: While I am not a legal expert on trusts (and I would always suggest the opinion of a trust attorney over an insurance agent on these specific types of questions).. I would say tha the best way to ensure that the proceeds from your insurance policy go exactly...

Life & Health Insurance: Life Insurance Benefits taxes?, life insurance benefits, life insurance policy
life insurance benefits, life insurance policy, lutcf: Dear Margee, I m sorry for your loss. If the life insurance policy was one that you or he owned, there usually is no income to be reported. The death benefit most likely would be income tax free. On the other hand, if the policy was part of a qualified...

Life & Health Insurance: Life Insurance Benefits vs. Estates, life insurance proceeds, life insurance benefits
life insurance proceeds, life insurance benefits, life insurance policy: Hi Mack If he was the owner of the policy then it is part of his estate. Until the estate is settled all assets are considered. The life insurance proceeds are excluded from probate and is paid directly to the beneficiary when the estate is cleared. Thanks...

Life & Health Insurance: Life Insurance benificary, life insurance policy, policy policies
life insurance policy, policy policies, insurance law: Dear Phil Seng: Thanks again for follow-up. Succession Certificate is a document (or a certified copy of the same) which is generally issued by a Court of Law to provide advice with regard to the applicable law and matters concerning succession. ......

Life & Health Insurance: Life Insurance in California, michael feinberg, life insurance policy
michael feinberg, life insurance policy, medical standpoint: Hello Angel, your question is a good one and we can definitely help you. There are a handful of policies out there (and we work with all of them) that allow for insurance coverage to be taken out without a medical exam. And all of them can be paid monthly...

Life & Health Insurance: Life Insurance in California, life insurance policy, money question
life insurance policy, money question, sayso: 1. depends on the company and the death benefit amount. They are all different. I know of one company who will go up to 150,000 with no medical exam or blood test. 2. Yes, they will have to sign the application for a policy on their life whether or...

Life & Health Insurance: Life Insurance Claim, life insurance policies, life insurance policy
life insurance policies, life insurance policy, insurance claim: There is no reason that the beneficiary of a life insurance policy can t file a claim if the policy is in force - i.e. the premiums are paid to date at the time of death. If your daughter is a minor, a court-appointed conservator or guardian will have to...

Life & Health Insurance: Life Insurance Claim, life insurance policy, insurance claim
life insurance policy, insurance claim, happy families: I am trying to figure out why anyone should be receiving the proceeds from this life insurance policy other than the beneficiaries. If you husband is over he age of 18, I would suggest that he call the insurance company and request that the check be made...

Life & Health Insurance: Life Insurance cashout for a debt, home improvement project, loan interest rate
home improvement project, loan interest rate, death benefit: The only problem with borrowing from the life policy is that you are supposed to pay the loan back at some point. You will have to pay interest on the loan until it is repaid. Also, the value borrowed decreases the death benefit by that amount. Now you...

Life & Health Insurance: Life Insurance Death Benefit, donee, clu
donee, clu, federal tax: You probably know this, but gifts to individuals are limited to $12,000 per year without having to file a gift tax return. The source of the funds is immaterial. If the money is hers (actually, depending on the state, both yours and hers), she can give each...

Life & Health Insurance: Life Insurance-Dividends on Deposit, cash surrender value, life insurance policy
cash surrender value, life insurance policy, individual life insurance: Dear Craig, Dividends on deposit or accumulated dividends are merely a refund of over charge of premium held at interest until you request them. These would be additional cash value that are not part of the life insurance policy. If retained until death,...

Life & Health Insurance: Life Insurance for elderly, term life insurance policy, life insurance policy
term life insurance policy, life insurance policy, term life insurance: Please answer some questions so I can asnwer you better. What state do you live in? How much insurance do you need? What company is the present term policy with? How much are you paying monthly or annually? What length of term is the present policy...

Life & Health Insurance: Life Insurance for elderly, life insurance policy, term life insurance policy
life insurance policy, term life insurance policy, term life insurance: Dear Sallie, First, as a young man of 63. I take exception to your referencing age 55 as elderly. The argument of term versus permanent has been going on since the 19th century. The fact of the matter is that both serve important functions for those...

Life & Health Insurance: Life Insurance Indusrty, life insurance industry, life insurance companies
life insurance industry, life insurance companies, top life insurance companies: I cannot locate any free, independent research on this. Generally this information is only available from independent sources on a pay basis -- here are a couple of links you may wish to pursue. Otherwise, google is the only other way to try to find information...

Life & Health Insurance: Life Insurance Multiple Beneficiaries, term life insurance policy, life insurance policy
term life insurance policy, life insurance policy, term life insurance: Hi William Since you didn t say how old your children are, I will give you an answer assuming they are not to far different in years. In most cases the courts will make you protect them until they are of legal age. You could take out a term life insurance...

Life & Health Insurance: How Much Life Insurance Do We Need?, life insurance coverage, herb katz
life insurance coverage, herb katz, mr katz: Sorry it has taken me several days to reply.. Term life is by far the best value for pure life insurance coverage. Depend on several factors you should purchase 7 to 10 times your total income. Since you have small children you should also conceder a 20...

Life & Health Insurance: Life Insurance Policy, robert a jones, life insurance policy
robert a jones, life insurance policy, insurance product: It would depend on who the policyowner of the policy was. The beneficiary is you, however that doesn t necessarily mean you can control the fate of the investigation. How long after the policy was taken out did he die? I m guessing (based on the investigation...

Life & Health Insurance: Life Insurance Policy, state insurance department, robert a jones
state insurance department, robert a jones, life insurance policy: Robert: Thanks for your kind comments on the ratings portion of this site. Another idea occurred to me. While an insurance company reserves the right to investigate a claim, I imagine that they have the onus to prove a misrepresentation exists. Under that...

Life & Health Insurance: Life Insurance Policy, robert a jones, life insurance policy
robert a jones, life insurance policy, little trouble: First of all, I would like to commend your friend for doing the right thing to help you in case of his untimely death. One thing that would make things easier, was that the two of you had a document written stating what this policy was for and where and why...

Life & Health Insurance: Life Insurance Policy, life insurance policy, lutcf
life insurance policy, lutcf, brumbaugh: Dear Neveah, It is legal, and the policy is still valid. As for getting it cancelled, I think you might need a court order. Though I am not sure that that will be possible. No doubt you have some source that will reveal what company the policy is with,...

Life & Health Insurance: Life Insurance Policy on my elderly Mother, life insurance policy, elderly mother
life insurance policy, elderly mother, checking account: The first place I would start is the the consumer help 800 number with your state. Some states can direct you to a number where they keep up with all the policies in the state. It probably would not be a state sponsored number, but a company sponsored number....

Life & Health Insurance: Life Insurance Policy Transfer to IRA, ira deposits, life insurance policy
ira deposits, life insurance policy, whole life insurance: It depends on how you plan to invest the money inside the IRA. In general I am a proponent of the ROTH IRA since the tax-FREE withdrawals in retirement usually more than make up for the fact that you lose the current tax deductions. However, you can t transfer...

Life & Health Insurance: Life Insurance Policy, life insurance policy, robert a jones
life insurance policy, robert a jones, medical status: Robert, I m very sorry to here about your partner. When a life insurance policy is written, and the proposed insure has completed their medical exam (if required by the insurance company), then the insurance company must underwrite the policy as if the...

Life & Health Insurance: Life Insurance- Prior Heart Attack, universal life policy, right coronary artery
universal life policy, right coronary artery, coronary arteries: Mike: Although this is outside my expertise, you should be able to acquire additional life insurance BUT, I believe it would be a rated policy due to the 03 medicals. You might find term insurance more heavily rated than some form of permanent life coverage....

Life & Health Insurance: Life Insurance- Prior Heart Attack, risk life insurance, universal life policy
risk life insurance, universal life policy, right coronary artery: Hi Mike Your agent should have taken an application and submitted it to the home office and let the underwriters determine if you are insurable. If you are rated, then you would know what the extra premium would be. If they reject you then you can submit...

Life & Health Insurance: Life Insurance- Prior Heart Attack, stress ekg, universal life policy
stress ekg, universal life policy, right coronary artery: Mike Glad to hear that you are doing well. For the most part Life companies will not consider you until you have been released and free from treatment for 5 to 10 years. They will require a stress EKG at that time. There are, however, some plans that...

Life & Health Insurance: Life Insurance- Prior Heart Attack, universal life policy, right coronary artery
universal life policy, right coronary artery, coronary arteries: I would like to send you to a web site which is run by a good friend of mine who can probably help you. Go to: http://www.virtualagent.net His name is Greg Smith and if he can t help you, he will refer you to someone who can. He is licensed in...

Life & Health Insurance: Life Insurance- Prior Heart Attack, universal life policy, right coronary artery
universal life policy, right coronary artery, coronary arteries: I appreciate your kind words and feedback on the allexperts site. I m glad to know I was able to be helpful. Please let me know if I can help you with actually finding the solutions you are seeking. I d love to be of help. Sincerely, Michael S. Feinberg,...

Life & Health Insurance: Life Insurance- Prior Heart Attack, life insurance agent, life insurance companies
life insurance agent, life insurance companies, universal life policy: Hi Mike: It s always dangerous to do a life underwriter s job for them (I mean the kind you find in home offices), as the State Farm Agent has apparently tried to do. In my experience, you should be able to buy more life insurance. Perhaps not from State...

Life & Health Insurance: Life Insurance-- Suicide, dear jill, lutcf
dear jill, lutcf, brumbaugh: Dear Jill, I am so sorry for your loss. Most companies have a two year contestable period in the policies. This would eliminate any benefit for suicide within that period. However, it would be worth looking at his policy to see whether his policy had the...

Life & Health Insurance: Life Insurance Surrender Value, life insurance policy, surrender value
life insurance policy, surrender value, insurance premiums: Dear Susan, There are two ways to look at the surrender value of your policy. You could view it as like the equity in your home. In which case you would be able to use it as collateral for a loan. If you surrendered the policy you could consider it as...

Life & Health Insurance: Life Insurance or Term, endowment insurance, maximum cash
endowment insurance, maximum cash, cash values: Dear Salliie: I would prefer universal life than the term. Of course, endowment insurance will add maximum cash values at the time of your coming days than the universal life. It links with your financial status, saving capacity as well as your desire...

Life & Health Insurance: Life Insurance Test, insurance books, health test
insurance books, health test, best bet: You can buy books from places that sell insurance books ( I don t know who they are any more-Search the web) but your best bet is to scrape up the money and take the local classes because they teach the test questions. That is unless you plan on taking it...

Life & Health Insurance: Life Insurance, are they tax when claimed?, life insurance policy, insurance benefit
life insurance policy, insurance benefit, beneficiaries: One of the wonders of a Life Insurance policy is that, to date, 100% of the proceeds pass on to the beneficiaries without any taxes being owed on them. Even if you received $100 million, it s 100% tax free. I hope this answers your question, and thank...

Life & Health Insurance: Life Insurance, stock insurance company, mutual insurance company
stock insurance company, mutual insurance company, term life insurance: Hi Scott Life insurance should be considered when their is a human life value to another person or persons. Example, if you died today, what would be the financial loss to your family? Also what is the potential loss to your family down the road. If you...

Life & Health Insurance: Life insurance, sole beneficiary, step dad
sole beneficiary, step dad, lutcf: Dear LeRoy, I am not an attorney, so I can t tell you what the law is in this case. But I can tell you that as the sole beneficiary of the life insurance, anything that you might have given to the other four would be defined as a gift. Any gift in excess...

Life & Health Insurance: Life insurance, universal life insurance, life insurance policy
universal life insurance, life insurance policy, buying life insurance: Mr. Ramsay, Thank you so much for your prompt response. I try not to take advantage of your kindness but I just have one more question. Please help me a little more... No problem Kim. I enjoy helping out and you are making some important decisions. ...

Life & Health Insurance: Life insurance, social security rights, heather heather
social security rights, heather heather, life insurance policy: Heather, Sorry to hear about you loss and about the issues you and your grandmother are facing as result. Without being there and seeing the documents for the various insurances, it is hard to make a judgment on what is going on. I also, unfortunately,...

Life & Health Insurance: Life insurance, life insurance policy, step mother
life insurance policy, step mother, insurance agent: Hi Amber, I am sorry to hear about your son s father. I am not sure why his life insurance policy did not have a beneficiary. When someone purchases a life insurance policy they either name a person as a beneficiary or their estate. If their estate is...

Life & Health Insurance: How Life insurance & assurance works?, money laundering laws, cash sum
money laundering laws, cash sum, insurance contract: Hi Bilal, Life assurance is simply an insurance contract that a person buys to provide a cash sum or income in the event of the insured life dying. Many contracts are set up over a specified term; say 20 years, this means that should the member die during...

Life & Health Insurance: Life insurance beneficiary, life insurance beneficiary, beneficiary designation
life insurance beneficiary, beneficiary designation, life insurance policies: Many people do forget to make necessary changes in their beneficiary designation on their work life insurance policies. This is why it s a good idea to check, at least once per year, to make sure the person(s) designated on one s life policies are listed....

Life & Health Insurance: Life insurance with no beneficiary, life insurance policy, insurance money
life insurance policy, insurance money, court involvement: Dear Sharon, My sympathies go to you. I am sure that this reminder of your Dad s passing causes mixed emotions. Your Dad s employer can give you the name and phone number of the insurance company that is responsible for paying the claim. Since there...

Life & Health Insurance: Life insurance company recommendation, chartered life underwriter, term life insurance policy
chartered life underwriter, term life insurance policy, life insurance policy: You can go online and find lots of companies that are build-friendly. Since you don t save any money by buying directly online, I suggest finding a CLU (an agent who has earned the Chartered Life Underwriter designation from the American College) who is...

Life & Health Insurance: Life insurance for heart transplant recipients, heart transplant recipients, life insurance companies
heart transplant recipients, life insurance companies, term life insurance: Keith, I ll not sugar-coat this for you, up to just a few years ago, the life expectancy for someone that had a heart transplant was less than 5 years. Life insurance companies can t get a return on a $100,000 payout in a 5 year premium. Things are changing,...

Life & Health Insurance: Life insurance needs, long term disability, term life insurance
long term disability, term life insurance, variable universal life: Dear Marcella, Assuming you are in an occupational group that you qualify for disability insurance, I would agree with your conclusion that you should get it. You have a lot to lose if you can t meet your mortgage payment. I presume that you arrived...

Life & Health Insurance: Life insurance recommendation, term life insurance policy, michael feinberg
term life insurance policy, michael feinberg, life insurance policy: I can t speak for Farmers, but I do work with over 150 companies that vary in their flexibility with weight, every company has a different guideline. I d be happy to tell you who is most likely to be favorable if you would be open to providing your dates...

Life & Health Insurance: Life insurance, leap system, life insurance policy
leap system, life insurance policy, whole life insurance: Dear Scott, You are right; the amount of death benefit that he is suggesting does seem high in your current situation. However, having said that, I do have to agree with your financial planner in principle. If you maximize the premium that you are permitted...

Life & Health Insurance: Life Policy, current exchange rate, terminal bonus
current exchange rate, terminal bonus, maturity date: Hi Jack, Thanks for the question. It is not an area I specialise in as it is an investment product, but I have made some enquiries to see where you stand with this. Everyone I have spoken to feels that you are in a difficult position for sure, however...

Life & Health Insurance: Life policy on grandparent, life insurance policy, insurable interest
life insurance policy, insurable interest, legal opinion: I ve not heard of this being done at the prompting of a child or grandchild. However, an insurable interest must exist between the policyowner and the insured. While it s not a legal opinion, love, blood or money constitute insurable interest and this exists...

Life & Health Insurance: LONG TERM HEALTH INS., term health insurance, information on reverse mortgages
term health insurance, information on reverse mortgages, 40s 50s: I m not sure if you are talking about health insurance (hospitals and doctors and drugs) or if you are talking about long term care insurance which covers personal care (help with bathing, dressing, eating) or some skilled care services like physical or speech...

Life & Health Insurance: Long Term Care Insurance Premium, whistles and bells, term care coverage
whistles and bells, term care coverage, long term care insurance: Yes, LTC policies do have a deductible, although they aren t exactly the same kind of deductible one would have with a auto or homeowner policy. Their deductible is called a waiting period . A waiting period allows the patient to have no coverage for a certain...

Life & Health Insurance: Long Term Insurance - Is it worth it, long term insurance, ahold usa
long term insurance, ahold usa, inflation protection: Just making sure you got my reply from the other ejtell@yahoo.com account. I did finally get this one as well. It sounds like a good plan and I would go ahead if I were you. I bought LTC coverage on my own when I was 40 and I paid $1400/year and I figured...

Life & Health Insurance: Lost application, beneficiary designations, life insurance policy
beneficiary designations, life insurance policy, wells fargo bank: Just in case you didn’t know, allow me to first establish that the reason why they need the application, it is where the beneficiary designations are written. Now, if this is a group policy, since the policy may be through a bank, the bank, by law, should...

Life & Health Insurance: Lost Life Insurance Policy, life insurance policy, life insurance company
life insurance policy, life insurance company, social security number: Dear Jose, I am sorry for your loss. But you try these. 1. Contact the bank where he had his checking account. The bank should have a record of all his checks back seven years from now. Records of the cancelled checks might include premiums paid. And...

Life & Health Insurance: Lost Life Insurance Policy, medical information bureau, life insurance policy
medical information bureau, life insurance policy, life insurance companies: Dear Shirley, Some time back you had requested my help in finding your mother s life insurance company. Have you been able to find it? Were you able to be paid on your dad s policy? I would really like to know that you have received the help you needed....

Life & Health Insurance: Low Cost Health and Acupunturist of my own choice, independent insurance agent, accupuncturist
independent insurance agent, accupuncturist, acupunturist: Angela: I do not know which question to answer first--the lowest cost with or with out accupuncture or the plan where cost is of no concern and you can go to your own accupuncturist. It sounds to me as if you need to decide which is most important to...

Life & Health Insurance: Low Cost Insurance, state insurance commissioner, buying health insurance
state insurance commissioner, buying health insurance, small business owner: Hi Sandy, I have not seen any Co-ops for the purpose of buying health insurance in California, the state I am licensed in. The closest thing has been some sort of plan(s) available through a Chamber of Commerce &/or association type plan. But normally these...

Life & Health Insurance: Lower premiums-higher deductible long-term policy?, long term care insurance, term care insurance
long term care insurance, term care insurance, 366 days: Steve, I don t know your age, but the $50,000 that you have set aside for care would typically buy a pretty good policy, or pay for less than 1 year of care. LTCi (Long-Term Care Insurance) products do not have deductibles. Generally, if you want to...

Life & Health Insurance: LTC Insurance for a 32-Year old couple?, long term care insurance, term care insurance
long term care insurance, term care insurance, personal assets: I looked at the proposal and it seems reasonable. I could not see all of it (formatted funny) but for the most part I think I got it all. I don t know where you are located geographically to evaluate whether $100/day is sufficient. If it is a little low...

Life & Health Insurance: Can LTC Premiums be Increased ?, long term care insurance, term care insurance
long term care insurance, term care insurance, new medicines: The insurer has a limited right to raise premiums only a group or class basis (for all similar policies in a state and for an age cohort). They cannot single out any individual based on their use of benefits and raise rates or refuse to renew the way auto...

Life & Health Insurance: LTC Rate Increases, long term care insurance, term care insurance
long term care insurance, term care insurance, ltc policy: There is no maximum but there are new regulations that states are encouraged to adopt (and many have) that make it more difficult to obtain approval for a rate increase, make insurers more careful in initial pricing, and require the insurer to offer a limited...

Life & Health Insurance: LTD SSD & Domestic Partners Retirement, group insurance plan, ssd ltd
group insurance plan, ssd ltd, social security disability: Most LTD contracts will offset income received from primary Social Security Disability (as opposed to the higher amount received by a family with dependent children), but not from assets such as you refer to. In my opinion, Unum can t require you to report...

Life & Health Insurance: length of time for check to come, short term investments, face amounts
short term investments, face amounts, jumbo cd: This is a good question, and depending on the face amount and the company paying the proceeds, the length of time may vary. If we are talking $50,000+, the length of time it normally takes is 60 to 90 days. If the face amount is smaller, it could take as...

Life & Health Insurance: life/healt insurance, critical illnesses, permanent insurance
critical illnesses, permanent insurance, new mercedes: Henry, Unfortunately, no one can answer your question without sitting down with you. There are advantages and disadvantages of all insurance products. When looking at a cash value or permanent insurance policy, there are a couple of guidelines....

Life & Health Insurance: life and health exam, stay at home mom, exam cram
stay at home mom, exam cram, health license: I have heard that Banker s has a good program. I would recommend to either re-take that class or look to a local vo-tech, as they also have classes that teach the test . A class like one of these will do what you are looking for as to passing the test....

Life & Health Insurance: life and health exam, stay at home mom, exam cram
stay at home mom, exam cram, health exam: Honestly, Heather -- it has been so long since I was studying for my life and health exam that I have no clue what the current study methods are or who offers the best path to success -- I d always feel good about Bisys study materials, but wouldn t want to...

Life & Health Insurance: life ins amt less than total paymts, surrender value, lutcf
surrender value, lutcf, death benefit: The surrender value of the policy is not relevant to the purpose of the policy. The real issue is what is the difference between the paid up life insurance death benefit and the ultimate death benefit. If your mother is in good health, it might be wiser...

Life & Health Insurance: life ins., life insurance policy, beneficary
life insurance policy, beneficary, death benefit: If he is either on Medicaid or will be on Medicaid, I would not worry about it. Medicaid works like Medicare, when it comes to providers, they know what the program will allow in charges and the program only will pay what it allows. It s kind of like this;...

Life & Health Insurance: life insurance, lump sum payment, income tax rate
lump sum payment, income tax rate, term life insurance: Dear Melissa, I will give you more answer than you have asked for. If you were to cash out your policy, you would be taxed only on the gain over the premiums that you have paid. This would be at the income tax rate, not the capital gains rate. If...

Life & Health Insurance: life insurance, selling life insurance, store departments
selling life insurance, store departments, costumers: I do not have a clear understanding of what you are asking me here. Please clarify and I will try and get an answer to you. I guess the best thing I can ask you to do is give me an example of what you are speaking of...either in possibles or reality. ...

Life & Health Insurance: life insurance., stock market losses, term life insurance policy
stock market losses, term life insurance policy, life insurance policy: Dear Sally, It would be good to know why the company has communicated a need for a higher premium. Is this a term life insurance policy? Or is it some form of Universal Life or Current Assumption Whole Life? If it is term, I would say look for a more...

Life & Health Insurance: life insurance, group life insurance, life insurance policies
group life insurance, life insurance policies, individual life insurance: Lisa, You have some options available to you: 1 - If your place of work (assuming you work) has group life insurance with an option to buy more at your expense, many times spouses are eligible for some life insurance and you do not need their signature....

Life & Health Insurance: life insurance, health agent, insurance department
health agent, insurance department, sponsoring company: Becoming a life and health agent is really a pretty simple process. For the most part, you go to your states insurance department website, download and print off the application and send in the required fees for the licensing. Read what your state requires...

Life & Health Insurance: life insurance, group insurance plans, mike feinberg
group insurance plans, mike feinberg, insurance question: My pleasure. Your followup question starts to become more of a legal/financial question than an insurance question, so please take my answer with a grain of salt -- I don t claim to be a foreclosure/credit expert. My understanding is that if you are the...

Life & Health Insurance: life insurance, von hippel lindau, e mail address
von hippel lindau, e mail address, life insurance carrier: Hi Sharon, There may be some life insurance policies depending on which state you live in and how much you are looking to purchase. At this point I can only guess how much coverage you need. Some policies are designed to payout only after premiums are...

Life & Health Insurance: life insurance, accidental death benefit, term life insurance
accidental death benefit, term life insurance, original face: The Accidental Death Benefit pays in addition to the regular policy. Usually, it will double the original face amount, but you will need to read on the information you have to be more specific. The only reason why you might want to purchase the additional...

Life & Health Insurance: life insurance, life insurance policies, cpa tax
life insurance policies, cpa tax, policy loans: Brian, (I am assuming these are permanent policies with cash value above the paid in premiums.) While there are ways to do this, the first question that comes to my mind is why do you want to do this? Depending on whether the business is a C corp,...

Life & Health Insurance: life insurance, life insurance policy, good luck with everything
life insurance policy, good luck with everything, state database: Hi Tina, The insurance companies do have databases that they can use. With all the privacy laws that now exist it is pretty hard to find out specific details about who has what policies, etc. Only your mother can request that information and her insurance...

Life & Health Insurance: life insurance, insurance salesperson, life insurance policy
insurance salesperson, life insurance policy, power of atty: Dear Jo, The only kind of life insurance policy that would be available would be a graded benefit guaranteed issue policy. And this would require the signature of the applicant. There may be the obscure possibility that a person with power of attorney...

Life & Health Insurance: life insurance, life insurance policy, priviledges
life insurance policy, priviledges, sole owner: If I understand correctly, your husband is taking out a life insurance policy on himself with you as a spousal rider (probably for a lower amount of coverage) attached to his policy. In this case, you need to sign the application to acknowledge that you...

Life & Health Insurance: life insurance, life insurance company, mutual life insurance
life insurance company, mutual life insurance, mutual life insurance company: When you apply for a life policy, one of the questions is... are you applying for life insurance with another company at this time? If you are then they will determine the total insurability you are seeking. I suggest you find an agent and company you are...

Life & Health Insurance: life insurance, alex trebek, life insurance company
alex trebek, life insurance company, ed mcmahon: As far as I can remember it was Colonial Penn Life -- he was one of many paid actors to do their commercials (including Alex Trebek and now Joe Theismann). If your aunt is correct about that, then you can try to contact them at 1-877-877-8052 and see if they...

Life & Health Insurance: life insurance, expense policies, expense policy
expense policies, expense policy, clients range: Alot of that depends on the part of the country and the extent of what you consider final expenses. Some people have a small cremation which is only a couple of thousands of dollars, while others have large funerals and services with high-end caskets, travel...

Life & Health Insurance: life insurance, life insurance policies, sorry mike
life insurance policies, sorry mike, insurance commissioner: I am not aware of any legal way or database that would allow you to pursue information about life insurance policies if you have no information about the location of these policies. Not to say you couldn t find this information (or that someone couldn t get...

Life & Health Insurance: life insurance, financial option, best bet
financial option, best bet, life coverage: With your conditions, if caught early and currently experiencing positive treatment, will not lead to a shortened life span. On the other hand, if you waited to get treatment or was diagnosed at a later stage, could cause you some problems getting life insurance....

Life & Health Insurance: life insurance beneficiaries, life insurance beneficiaries, life insurance policy
life insurance beneficiaries, life insurance policy, california laws: This is my second attempt to answer your questions. There was difficulty in getting it sent before. I can only answer according to the California laws, since that is the only information that I have. My understanding is that the named beneficiary is...

Life & Health Insurance: life insurance claim, mike feinberg, life insurance policy
mike feinberg, life insurance policy, exhusband: Unfortunately, this seems like more of an insurance law question than a product or functional question -- and I am not a law specialist or an attorney well versed in the state beneficiary laws. I apologize but I m probably not the best person to ask this...

Life & Health Insurance: life insurance contract, life insurance contract, face value
life insurance contract, face value, signature: The onwer of the policy signature is required, which may or may not be the owner. You may not be able to change the face value of the policy. If it is a term policy, the value cannot be changed. Some permanent policies can be changed but it depends on the...

Life & Health Insurance: life insurance coverage, taking blood pressure, life insurance rates
taking blood pressure, life insurance rates, life insurance coverage: While life insurance underwriting varies somewhat from company to company, most underwriters today do not consider well-controlled high blood pressure to be a strongly adverse risk. In some cases, even preferred underwriting is available. For 100 individuals...

Life & Health Insurance: life insurance pay out, life insurance policy, whole life insurance
life insurance policy, whole life insurance, tobacco products: There is no impact on your policy if you begin smoking after the date the policy was issued. It will remain at a nonsmoker rate since that was the case when the policy was issued. . However, if you are not completely honest at the time of application as...

Life & Health Insurance: life insurance for a person who has been diagnosed with lung cancer, life insurance plan, mike feinberg
life insurance plan, mike feinberg, followup questions: The quick answer is yes, there are life insurance plans available for this, however they are pretty limited and generally return only the premiums paid if death occurs in the first 2 years. However, if his prognosis is that he has a good chance at outliving...

Life & Health Insurance: life insurance policy, life insurance policy, life insurance company
life insurance policy, life insurance company, decease: This could be tough, but not completely impossible. First, I d contact his employer and see if they had any life insurance available through his employer. Next, I d check back with the family and see if they can check his old bank statements and see if...

Life & Health Insurance: life insurance policy, life insurance policy, life insurance company
life insurance policy, life insurance company, google: Sorry, I don t have an address or phone number. Take a look at the policy and see what State they are in. You can look up the address in Google on your computer. There may be more than one company with the same address so knowing the State they are in can...

Life & Health Insurance: life insurance policyholders list, life insurance policyholders, state insurance commissioners
life insurance policyholders, state insurance commissioners, life insurance coverage: Hi Shelley; This is not the first time this question has come up and I am sorry to say that I know of no master list. That being said I would go through the person s financial papers, to include their checkbooks, as far back as you can to see if you can...

Life & Health Insurance: life insurance and suicide, luck john, mike morrison
luck john, mike morrison, death benefit: I cannot speak for the UK in specifics although I lived there for a few years but I knew nothing about insurance then. But most things in the UK follow the US in financial products, your taxes are very similar, rates may differ, but most rules are the same...

Life & Health Insurance: Is life insurance Taxed, life insurance policy, dividend tax
life insurance policy, dividend tax, insurance professionals: Ben, Sorry to hear about your loss. I have lost both of my parents and it is never easy. I will put you in my prayers for a settling to take place in you as you go through some tough days. I still have them from time to time so my assumption would be...

Life & Health Insurance: life insurance for terminally ill spouse, metastatic breast cancer, life insurance coverage
metastatic breast cancer, life insurance coverage, human resources person: Donald: I am so sorry to hear of your wife s condition. My thoughts and prayers are with you. As for the insurance--generally speaking you cannot take the policy with you--there are some exceptions. You need to speak with the human resources person and...

Life & Health Insurance: life insurance transfer, life insurance policies, capital gains tax
life insurance policies, capital gains tax, dear brian: Dear Brian, Why?!! If the company were to own the life insurance, then the surviving partner would be subject to a capital gains tax when selling the business based on the increased value of the business when the company receives the proceeds from the...

Life & Health Insurance: life insurance w/NO beneficiary, life insurance policy, executor of the estate
life insurance policy, executor of the estate, liquid funds: Generally, when a life insurance policy does not have a beneficiary, then the named beneficiary has proceeded the insured in death. None of the insurance companies will issue a policy without, at least, a beneficiary. Many policies have Contingent Beneficiaries...

Life & Health Insurance: life insurance, term life insurance, insurance rider
term life insurance, insurance rider, lutcf: Thank you for the question. While I agree with you that a Whole Life policy in the long run is better than Term life insurance, I feel that having the right amount of insurance is more important to your family s well-being. Therefore I suggest that you...

Life & Health Insurance: Are there any life insurances out there to meet my needs?, links company, correct answers
links company, correct answers, company names: Hello Alex. The correct answers depends on a few more specifics -- Where do you reside? What is the reason you are there (employment, specific reasons?) Do you ever return to the US for any period of time and do you have plans to do so in the near...

Life & Health Insurance: life policy transfer, mike feinberg, life insurance policies
mike feinberg, life insurance policies, universal life policy: What type of policy are they? Do they have any intrinsic value (like a cash value in a whole or universal life policy)? I would certainly consult a tax specialist/CPA for the final word on taxability issues, but I believe that you can transfer the ownership...

Life & Health Insurance: life settlement candidate?, cash surrender value, life insurance policies
cash surrender value, life insurance policies, life settlement: Presumably your client has a buy/sell agreement or key man policy he no longer needs. His chances of receiving a settlement depend on several factors to include - life expectancy, face amount of the policy, type of policy, carrier rating, premium amount,...

Life & Health Insurance: life, life insurance policy, personal belief
life insurance policy, personal belief, insurance life: I can t comment here on the meaning of life, as that s under the philosophy or religion heading. My personal belief is that life has its ultimate meaning in Jesus Christ and in him alone. I can comment on the meaning of life insurance. Life insurance is...

Life & Health Insurance: long term care insurance, long term care insurance, term care insurance
long term care insurance, term care insurance, medical event: You are smart to be thinking about long term care insurance in any regard but especially if there has been some medical event that might re-occur. Companies have different underwriting standards and it is quite likely that your husband would either not be...

Life & Health Insurance: long term care insurance premiums, long term care insurance premiums, tax deductible expenses
long term care insurance premiums, tax deductible expenses, long term care insurance: Go to www.longtermcare.gov and look in the left hand corner under What s New and it will bring up this pdf which talks about tax deductibility of LTC insurance premiums. If you have any difficulty finding it, let me know and I ll send you the information...

Life & Health Insurance: long term care insurance, income tax purposes, long term care insurance
income tax purposes, long term care insurance, term care insurance: First, a website you may find helpful: www.longtermcareadvisors.info Here is what you need to ask: 1. How long has the company been writing long term care insurance? [at least five years or more - the longer the better]. 2. Has the company ever raised...

Life & Health Insurance: looking for insurance with pre-exsiting issues, medical policy, pre existing conditions
medical policy, pre existing conditions, privacy act: I do not work extensively with health insurance. However, usually insurance excludes pre-existing conditions. Under the Health Care Portability and Privacy Act, if you enter a group medical policy, prior conditions may not be excluded if you had coverage...

Life & Health Insurance: lost life insurance application, wells frgo, life insurance application
wells frgo, life insurance application, wells fargo bank: Danielle, Good questions. The issue lies in the lack of finding a document with the actual named beneficiary. Normally those policies get added to the estate instead of going to anyone. There could be the argument that your father might have assigned...

Life & Health Insurance: lost policy, lutcf, brumbaugh
lutcf, brumbaugh, step mother: Dear Kim, Three companies that come to mind that might have what you are looking for are: AFLAC American General Colonial. The only route you did not check that I have suggested is looking into her doctor s medical file on her. There might be some...

Life & Health Insurance: Major medical, self insurance fund, health savings account
self insurance fund, health savings account, hsa health savings account: No worries my friend. Patience is key from all people and email is a horrible substitute for real communication. As I stated, I will see what I can find for you in your great state of California and let you know some thing soon. Until next time... ...

Life & Health Insurance: Marketing issues, primerica financial services, captive life
primerica financial services, captive life, mediums of communication: Dear Erik: Thanks very much for referring your question to me. Please read my book titled, Insurance Theory & Practice to become a successful Salesman. The best thing is to follow your seniors and practice the way they show to you. In this industry,...

Life & Health Insurance: Medical discount savings program, hospitalization insurance, health insurance companies
hospitalization insurance, health insurance companies, extreme illness: What you seem to be looking for is sometime called a mini-med where you get certain monies back or discounts on certain services. Not a bad idea if you use your medical coverage as you know some of your out of pocket monies are coming back to you. If your...

Life & Health Insurance: Medical discount savings program, hospitalization insurance, something is better than nothing
hospitalization insurance, something is better than nothing, view id: Hi there, There are a number of options open to the uninsured in the USA, albeit somewhat basic. It depends very much which state you are in as it seems to vary considerably. Unfortunately, I am based in the UK, so cannot advise on specific details, however...

Life & Health Insurance: Medical discount savings program, hospitalization insurance, thanks in advance
hospitalization insurance, thanks in advance, insurance: Yes, go to www.agvanta.com. If, after you ve reveiwed this website, you have some questions, feel free to either email me (at sgraves@agvantacare.com) or call our office toll free 1 (877) 367-3382, we ll be happy to answer any questions you may have. ...

Life & Health Insurance: Membership benefits, health insurance carriers, state board of insurance
health insurance carriers, state board of insurance, instrument insurance: Sorry it has taken a few days. As long as the group has not been formed for the purpose of gaining insurance, then you are golden. I am a musician myself and your offering sounds like a great plan. Your state you live in may have something specifically...

Life & Health Insurance: Getting Out of the Military--- How do I get insurance?, life insurance agent, types of insurances
life insurance agent, types of insurances, place thanks: Obtaining life or medical insurance is very easy. First, generally, if you begin working for a company, most will provide the ability to purchase medical and life insurance at a reasonable rate. This would probably be the most common method people use...

Life & Health Insurance: MSA/HSA, hsa, independent agent
hsa, independent agent, health insurance: Phil; An HSA could make alot of sense for you and your family. Under the HSA format you would only have one deductible for the entire family, then coverage could be as high as 100% after the deductible. Rates are typically 30 to 40 percent below that of...

Life & Health Insurance: Multiple sibling policies with each sibling as a benficiary of the other, life insurance policy, insurance policies
life insurance policy, insurance policies, axa: The key question is when were the policies taken out? Given your Grandmother took these out, I bet she had intentions of either making sure there were funds available to take care if final expenses, just in case something bad happened, or if this was a cash...

Life & Health Insurance: I'm paying more than the total life ins amt, life expectancy tables, life insurance company
life expectancy tables, life insurance company, average life expectancy: This is a tough one. I can t very well suggest you cancel the policies as they were purchased to provide final expense funds, but to keep paying this much for this little coverage doesn t make very good financial sense, either. I m not going to tell you...

Life & Health Insurance: marketing for new agent, success science, insurance theory
success science, insurance theory, cold market: DEAR VIC: THANKS FOR referring the above question. Building up clients may be achieved through using CANS THEORY added with the SOA (science of attitude), MB (mathematical behaviour)and CAR s steps. A short briefing is given as under:- CANS: c =...

Life & Health Insurance: med. ins. for the ill, parkinson s disease, guarantee issue
parkinson s disease, guarantee issue, mini med: If adding him to a group plan is not an option, your options as to major medical are nil, if you don t live in a guarantee issue state . But, United American does have some pretty good options. If it is available in your state, they have a plan called...

Life & Health Insurance: medical bill, medical bill, thousand dollars
medical bill, thousand dollars, denial: You need to file an appeal ASAP. There are deadlines for filing appeals so you need to do it quickly. There are a few details that will make your appeal more successful. What has your doctor s office said about the denial? I need more details to give you better...

Life & Health Insurance: medical bill, insurance transaction, form insurance
insurance transaction, form insurance, medical bill: If they say they billed the wrong insurance company then you have a right to know when they found that out and why they waited this long to contact you. The first call you should make is to the actual provider and find out if they are aware of this situation....

Life & Health Insurance: medishare programs, financial expenditures, conventional insurance
financial expenditures, conventional insurance, medical bill: Medical Sharing. Not a new idea. Unfortunately, in every case of failure (and not many last all that long) it s caused by one of the members having an expensive medical bill and the program folded like a lawn chair because the cost of being a member...

Life & Health Insurance: My mothers life insurance, life insurance policy, sister brother
life insurance policy, sister brother, sister and brother: I m sorry to hear about your mother. She may have misunderstood what your sister and brother were discussing. It s not possible to take a policy out on someone without their permission, especially one for any size. Unless your mother s signature was forged,...

Life & Health Insurance: moving violation, vehcile, moving violation
vehcile, moving violation, hi bob: Hi Bob Sorry to hear about your accident. I can t say how much your insurance will change or if Geico will renew your policy. I suggest you call your agent and find out what your options are. Now is the time to start looking if they won t renew. Good luck...

Life & Health Insurance: Need insurance recommendation, life insurance corporation, postal life insurance
life insurance corporation, postal life insurance, life insurance co: Dear Anthony: Thank you very much for referring me question regarding Need Insurance recommendation. Please elaborate further, which area on the world you wish to know more reputable companies that offer disability insurance. I belong to Pakistan....

Life & Health Insurance: Need an opinion about Cash vs. Health coverage, deductible health insurance, health insurance policy
deductible health insurance, health insurance policy, high deductible health insurance: Dear Kateryna, I recommend that you go with a high deductible health insurance policy and put the difference in premium into an HSA (health savings account), a Roth IRA, and or some form of permanent life insurance. Each of these over the long run would...

Life & Health Insurance: New Insurance Agent, health lic, new insurance
health lic, new insurance, independent agents: Hi Pat I think you should decide what type of insurance you want to sell and then talk to independent agents and go with the one that best fits your needs. Most agents find a nich and become very strong in that area. The day of wearing many insurance hats...

Life & Health Insurance: Nicotine and insurance testing, term life insurance policy, occasional smokers
term life insurance policy, occasional smokers, life insurance policy: The simple answer to all your questions is Yes . Insurance companies are going to test you for tobacco usage, and they can go back as far as they can. Why? The rates on non-tobacco has gotten so competitive that these rates are super-cheap (as compared...

Life & Health Insurance: I need health insurance..., independent agent, health plans
independent agent, health plans, emergency situation: Susan: I am so sorry in the delay.. I did not receive the question the first time. Get in touch with an independent agent in you area and ask them about the new HSA plan. It is a deductible first/100% plan that sounds just like what you are looking...

Life & Health Insurance: Do I need a life insurance now?, chartered life underwriter, life insurance program
chartered life underwriter, life insurance program, life insurance term: Not taking sides you understand. In my view, you need life insurance if someone depends on your income in whole or in part. In a two-earner family, this means you both need *some* life insurance, with or without children. If children are in the picture, the...

Life & Health Insurance: new agent, multi level marketing, primerica
multi level marketing, primerica, profession: Multi level marketing for insurance only diminishes the profession. Finding three people that are willing to do the same is not an eazy chore. If Primerica is what you want to do, knock yourself out, but if it a true insurance professional, look elsewhere...

Life & Health Insurance: new policy, george harris, new insurance
george harris, new insurance, insurance policy: Christine; You info is needed in order to underwrite your application. The company requesting the info should--by law-(HIPAA) give you a copy of their information practices . This disclosure tells you exactly how your info is obtained and used. If you...

Life & Health Insurance: Ok I am not sure if you could give me an answer to this, whole life insurance policies, james mackinnon
whole life insurance policies, james mackinnon, vice president james: Erica, I m not familiar with Peoples Life, but have made a couple of phone calls and will get back with you when I have an address and telephone number of whom you need to talk with. I will find out the information you are looking for, just give me a couple...

Life & Health Insurance: Old Life Ins. Policy, life insurance policy, insurance paperwork
life insurance policy, insurance paperwork, life insurance company: JF, You are the second situation like this in the last two weeks. As long as the policies were paid up to your father s passing then the policies are still in force and can be collected on. a1 - There should be no statute of limitations on the policies...

Life & Health Insurance: Old Life Insurance Policy, life insurance policy, life insurance co
life insurance policy, life insurance co, social security number: Dear Virginia, I contacted the Virginia Bureau for Insurance, and I was advised that American General Life and Accident did in fact take over the responsibility for Union Life s policies. If you have given them the name, Social Security number, and policy...

Life & Health Insurance: Owner & Beneficiary Designation, beneficiary designation, dear catherine
beneficiary designation, dear catherine, regulatory references: I have not found documentation dealing with this scenario. Therefore you are actually one step ahead of me. However the article that you read, which by the way I would like you to point me to it, makes sense. I have been in the life insurance business for...

Life & Health Insurance: obtaining high deduct health insurance & hippa, time rv, stress life
time rv, stress life, blue cross blue shield: Many insurors use the MIB, (Medical Insurance Bureau,) to verify the health history of applicants. You may request a free copy of the records they have on you here: http://www.mib.com/html/request_your_record.html. You can never be too honest with an insurance...

Life & Health Insurance: old insurance policies, cash surrender value, life insurance policies
cash surrender value, life insurance policies, life insurance company: There is actually a resource out there that might help. Go to www.mib.com. This is a cumulative site that deals with a number of issues dealing with life and health insurance. Start there. Then, maybe you can hunt down where your company ended up. Many...

Life & Health Insurance: old life insurance policy, life insurance policy, life insurance company
life insurance policy, life insurance company, csfp: Your Dad s company was absorbed by Kentucky Central, which then was liquidated by Kentucky s insurance department. The policies that were held by KC were then turned over to Jefferson-Pilot and Liberty LIfe. JP phone# (336) 691-3000 LL phone# (864)...

Life & Health Insurance: old life insurance policy, pilot life insurance, life insurance policy
pilot life insurance, life insurance policy, life insurance company: In 1995, Jefferson Pilot Life insurance company assumed all the inforce business of Kentucky Central Life. A few years later, Lincoln Financial took over Jefferson Pilot. Here is a phone number that you can call that should help you get things started:...

Life & Health Insurance: old life insurance policy, herb katz, life insurance policy
herb katz, life insurance policy, capital gain tax: Joanne: If my memory is correct Phoenix Mutual www.phl_com purchased Home life Ins of America several years ago . Go to their site, get the policy service numbers ask for surrendering forms. Tell your friend that there may be a capital gain tax on some of...

Life & Health Insurance: be your own banker, equity indexed universal life, life insurance policy
equity indexed universal life, life insurance policy, lutcf: Dear Leo, I hope you have first been able to put the 401(k) into a pour-over IRA. Once you have done this you can begin 72(t) distributions into your life insurance policy. Because of the instability of the stock market, I suggest some form of current...

Life & Health Insurance: Parent's policy on me, but I'm married, life insurance policy, lutcf
life insurance policy, lutcf, brumbaugh: Dear Chris, It is absolutely legal for them to maintain ownership on a policy on you. Your marital status has no bearing on their right to continue to own a policy that they have owned from the beginning, and paid the premiums on all these years. Your...

Life & Health Insurance: Parent's policy on me, but I'm married, life insurance policy, obtaining insurance
life insurance policy, obtaining insurance, better hope: Is it legal? I believe so, though I will say I m not a lawyer, just an insurance professional. The legality of obtaining insurance policies typically applies at the beginning, as to whether insurable interest exists at the time the insurance is initiated....

Life & Health Insurance: Pinnacle Brokerage Firm, pinnacle brokerage firm, honest corporation
pinnacle brokerage firm, honest corporation, residuals: I ve heard of them, but couldn t tell you much about them. I heard nothing negative, so that s a good thing. Questions you will want answered are what are commissions? How long for vesting? You want vesting as close to immediate as you can get. If it...

Life & Health Insurance: Plan Represenative, life insurance policy, desinated
life insurance policy, desinated, fishing expedition: Dear Gail, Plan representative could mean just about anything. Since the letter came from the insurance company, my guess is that this person would be an agent from the insurance company. This may be a sincere effort to correct a wrong, or it could...

Life & Health Insurance: Plan suggestions, medicare supplement policies, independent insurance agent
medicare supplement policies, independent insurance agent, hieght: Karen; I am familiar w/ United American--however, I am only familiar with their medicare supplement policies sold in Alabama. I would recommend that you speak with an independent insurance agent in your area and let them do some research for you. They...

Life & Health Insurance: Planning Insurance, professional sales person, retirement fund
professional sales person, retirement fund, paradize: Dear Tahira: Please remember a professional sales person does not sell a plan. Hh/she finds out the desires of the prospect and converts those desires into need. After fact findings, plan is made according to their needs. Once a person agrees to a certain...

Life & Health Insurance: Planning a Life Insurance, life insurance plan, code of ethics
life insurance plan, code of ethics, theory practice: Yes Adam: It depends upon the saving capacity, existing income vs. expenses; code of ethics, legal aspects of the company as well as Laws of the Land where the prospect(s) reside. Please also read my book titled as, Insurace theory & practice. Yours...

Life & Health Insurance: Policy #'s, aps data, policy numbers
aps data, policy numbers, companies names: Dear Ed, It is possible that these policies are large enough that the insurance companies would have requested Attending Physician s Statements from your dad s doctor. The companies names would be noted in your dad s medical files. If some of the policy...

Life & Health Insurance: Pre existing condition, hiv aids, issue policies
hiv aids, issue policies, living with hiv: Dear Michelle, There are guaranteed issue policies available. For good reason they have a graded death benefit. Typically, the benefit will be of full value in the 3rd or 4th year. Willard R. Brumbaugh, LUTCF, CSFP Chartered Senior Financial Planner...

Life & Health Insurance: Pre-existing condition, new insurance companies, acoustic neuroma
new insurance companies, acoustic neuroma, certificate of credible coverage: If you maintain continuous coverage, even if you change insurance companies, your claims can not be denied for preexisting illnesses. Any time you terminate insurance, the insurance company must provide you with, or make available, a certificate of credible...

Life & Health Insurance: Pre-existing condition, smart business decision, blue cross blue sheild
smart business decision, blue cross blue sheild, individual health insurance: Trevor, first of all let me say that I wish you both the best with the very difficult situation that you are currently dealing with. It must be very stressful for you and sadly what I have to say won t help... If you are looking into individual health...

Life & Health Insurance: Pre-existing conditions?, new insurance companies, health insurance portability
new insurance companies, health insurance portability, health insurance portability and accountability act: First, please accept my apology for the delayed response. I was on vacation last week, but neglected to post being away. I have not worked in health insurance since the Health Insurance Portability And Accountability Act was passed. I believe, but am not sure,...

Life & Health Insurance: Pre existing and health insurance, laf org, lance armstrong foundation
laf org, lance armstrong foundation, best case scenario: Congrats on being cancer free for 3 years. You are another survivor and I know that must feel great! I assume you have a job and if that is the case, your group policy should cover you regardless. Check with your HR person or with the company they have...

Life & Health Insurance: Pre-existing, state insurance department, health insurance carrier
state insurance department, health insurance carrier, risk pool: This is a real problem, many people don’t realize that when your insurability changes, so does your ability to get insurance. What’s worse, is when something happens that you have no control over, such as an accident, changes your insurability, you are the...

Life & Health Insurance: Pre-exsiting Claims, blue cross blue sheild, united states marine core
blue cross blue sheild, united states marine core, united states marine: Is my assumption correct that you are planning surgery before you head to the Marines? If so, your job may be a little more difficult. If not, then obviously check with the Marines to see how they might be abel to help or what benefits come in that arena....

Life & Health Insurance: Predictability, guarneri, dear michael
guarneri, dear michael, predictability: Dear Michael Guarneri: As the size of the group increases, as the conceptualization of predictability increases. It tells us that every individual is a product of its environment. Should you feel further elaboration, please never hesitate to contact...

Life & Health Insurance: Pregnacy and Insurance, wifes health, pregnacy
wifes health, pregnacy, explination: Allieds primary business is Group Health; they do not offer individual health, except with their Temp Policy. I can appreciate that you are seeking a permanent policy, but unfortunately, this just is not an option for you, right now. If your health is...

Life & Health Insurance: Pregnancy Coverage, cigna health insurance, cobra coverage
cigna health insurance, cobra coverage, shots in the dark: Right...no. Legal...yes. Now, with the situation being what it is your friends have a few options...but since I do not know all the details these are shots in the dark: - With the husband just having lost his job, he should be available for COBRA coverage...

Life & Health Insurance: Pregnancy/Medical insurance, state department of insurance, pittsburg pa
state department of insurance, pittsburg pa, pregnancy care: Roy: Every state has it s own rules, however, HIPAA did make some things uniform. As long as you do not have more than a 63 day lapse in coverage prior coverage counts toards new coverage. It may be advisable for you to consider the cobra for a few months...

Life & Health Insurance: "Preneed" insurance, state insurance department, national association of insurance and financial advisors
state insurance department, national association of insurance and financial advisors, insurance dept: Hester: Every state has a state insurance department that is responsible for licensing of life, accident, property, casualty, etc. agents. Some states require you to have a sponsor, or to take a course with a minimum number of hours. While you can do this...

Life & Health Insurance: Privately purchasing health insurance in PA, economical policy, ruth ruth
economical policy, ruth ruth, independent agent: Ruth; The best advice I can give you is to contact an independent agent in your area and let them do the shopping. BUT be very carefull asking for the most economical policy out there. You might just get what you pay for. Good luck, Georg...

Life & Health Insurance: peridontal coverage, peridontist, mr katz
peridontist, mr katz, disability claim: Joan: While this is indeed, outside my disability claim expertise, as a former insurance consultant my opinion is that you cannot find the information given the facts you provided. The only three places it would be at are the two dentists who treated you...

Life & Health Insurance: perm. life insurance, variable universal life, power ability
variable universal life, power ability, disability benefits: From the amount of information here, it s hard to tell for sure. The advantages of permanent life are many. However the most important one is that it provides life insurance for as long as you want it-- no expiration date, no conversions at older ages when...

Life & Health Insurance: personal health insurance, personal health insurance, there was a communication problem
personal health insurance, there was a communication problem, health insurance: Sorry for the delay. There was a communication problem on this site. I would advise that you consult a broker who can assess your needs at length. I can recommend a good one if you need a referral, I just need to know what state you live in. Please feel...

Life & Health Insurance: Is this possible?, mortgage life insurance, life insurance policy
mortgage life insurance, life insurance policy, law factors: This problem isn t a new situation, it seems more men have a problem realizing the importance of family coverage then even I had expected. Getting him a life policy, that would mean anything for your peace of mind, is pretty much impossible to get without...

Life & Health Insurance: is this a PPO?, mild asthma, allergy shots
mild asthma, allergy shots, asthmatic symptoms: If your husband has group coverage through his employer and the group has more than 10 employees, your premiums will not be any different if you disclose asthma, nor will you be denied coverage. If you submit any claims the insurance company will ask you if...

Life & Health Insurance: primerica joint life policy, primerica, lutcf
primerica, lutcf, brumbaugh: Dear Arnoldo, I am not a Primerica agent, but if Primerica is like other companies with joint life policies, the coverage on the surviving insured will continue with the payment of the appropriate premium. Since I want to be sure of my information, I...

Life & Health Insurance: Qs from a customer, life insurance plan, death ratio
life insurance plan, death ratio, magic words: Dear Qudsia: Thesre are the magic words that even the sily person will try to ask you to tell him more about a Life Insurance Plan. In this case, just repeat his/her question: remind him/her that according to World Recognized Statistic, death ratio is...

Life & Health Insurance: Quick Question, north coast life insurance company, term life insurance policy
north coast life insurance company, term life insurance policy, term life insurance: Dear Skyler, Just out of curiosity, are your parents Don and Wanda Sypherd? There is a truly fine little life insurance company doing business in Nevada named North Coast Life Insurance Company. Though I am appointed with several major companies, this...

Life & Health Insurance: Quick Question, whole life insurance, term life insurance
whole life insurance, term life insurance, long term solvency: I do not recommend products on this website. However, I need to clear up some confusion on your term inology. Term life does not have a cash value. I believe you are looking for whole life insurance, which is permanent and builds a steady cash value. ...

Life & Health Insurance: Quick Question, term life insurance, rate carrier
term life insurance, rate carrier, independent agent: Skyler: For the most part term insurance does not build up any value. It is pure insurance--thus it is much less expensive. There is, however, a term policy called a Return Of Premium Term. It is an extra rider placed on a term policy that will return...

Life & Health Insurance: Quick Question, mike feinberg, term life insurance
mike feinberg, term life insurance, affordable term life insurance: Term life insurance is a temporary insurance product (rates and coverage guaranteed for anywhere from 10-30 years, depending on what you choose) but there is no value that builds inside the plan. The only benefit to the plan is that it pays a lump-sum death...

Life & Health Insurance: Quick Question, life insurance policy, term life insurance
life insurance policy, term life insurance, permanent life insurance: Dear Skyler, I have checked with the underwriting department of one of the companies that I work with, and the answer I got is that you may be able to get life insurance. Do you watch Monk? Here is a man that cannot function independently, though he...

Life & Health Insurance: Quick Question, life insurance product, appropriate solution
life insurance product, appropriate solution, financial situations: Okay... we re getting closer -- but there s alot of information to discuss to find out what is available and more importantly what is appropriate for you. Life insurance isn t a one-size-fits-all product -- alot depends on what your family, income, and financial...

Life & Health Insurance: Quick Question, life insurance plan, term life insurance
life insurance plan, term life insurance, ahmd: Dear Skyler: Before recommending you any plan, please provide the following information:- 1. Your Date and Place of Birth. 2. If married, name of your spouse, date of birth, occupation and occupation. 3. No. of children with ages and profession....

Life & Health Insurance: question about mega life and health, personal rejection, mega products
personal rejection, mega products, cold call: What you experienced is exactly what Frank Rumbauskas talks about in his book Cold Calling is a Waste of Time . If you haven t read this book go to www.nevercoldcall.com. The book is $99, but absolutely hits the nail right on the head. All (well, almost...

Life & Health Insurance: Some questions, presentation charts, life person
presentation charts, life person, definite period: Dear Chow: Thanks again on referring some of your questions. The number wise answers are given as under:- 1. Aye! you may choose your own sum insured and let the company do the premium calculation. You may also choose the premium payment bracket and...

Life & Health Insurance: Some questions, mike feinberg, presentation charts
mike feinberg, presentation charts, purchasing insurance: 1) When purchasing life insurance, you choose the amount to be insured and the companies you are searching with will determine the premium calculation for that amount and policy type based on your age and health. 2) If you buy life insurance worth $100,000,...

Life & Health Insurance: Some questions, accidental death benefit, permanent life insurance
accidental death benefit, permanent life insurance, presentation charts: There are 3 basic types of life insurance. Term, UL and whole life. People always are calling UL and Whole life the same; they are similar but there are big differences. UL means universal life. Term insurance (which I will call TI) is just that, insurance...

Life & Health Insurance: Re: follow up question, family coverage, scenerio
family coverage, scenerio, hippa: COBRA is a continuation of the exact same benefits you currently have. You would not have any exclusions or riders under COBRA unless you have them already. If you choose COBRA and get pneumonia, it will be covered. If you change plans prex will not apply...

Life & Health Insurance: Re: Health Insurance, dear don, insurance co
dear don, insurance co, insurance agent: Dear Don: I can t give you any answer because I don t know the facts behind your medical conditions and the reasons for the rider. You should talk to an insurance agent for health insurance in your state to seek advice. Yours Truly, Ron Blau ...

Life & Health Insurance: Re: Life Insurance, life insurance policy, purchase life insurance
life insurance policy, purchase life insurance, alternate minimum tax: 1/27/59: male non-smoker - $196,605 2/13/58: female non-smoker - $219,872 I noticed an age difference on her. 3/17/53: female non-smoker - $182,084 11/18/51: female non-smoker - $175,494 Willard R. Brumbaugh, LUTCF ...

Life & Health Insurance: Re: Long Term Health Care Insurance, medicare supplemental insurance, long term health care insurance
medicare supplemental insurance, long term health care insurance, health care insurance: Whether you need LTC insurance depends upon how you feel about leaving some or most of your estate to your heirs. Some people who have the funds to self-pay for the LTC they might need prefer insurance so that they can use only a very small portion of their...

Life & Health Insurance: Receiving Life insurance, and Tax implications, inheritance taxes, federal income taxes
inheritance taxes, federal income taxes, insurance money: You will not have to pay income taxes on any of the money. Inheritances are taxed in some states but not for federal income taxes. But usually the taxable amount threshhold is pretty large and it differs in the states that have inheritance taxes. Not all...

Life & Health Insurance: Required Info, cobra insurance, insurance networks
cobra insurance, insurance networks, complete insurance: Hi Kish, Im sorry I cannot really help with your question. I am based in the UK and deal with UK and International (mainly expat) health insurance. The situation in the US is governed by legislation which varies from state to state. Personally, I would...

Life & Health Insurance: Required Info on COBRA Insurance, group insurance coverage, corba insurance
group insurance coverage, corba insurance, cobra insurance: Kish: My suggestion would be to take the new employers coverage for both of you right off the bat. The “not as good” coverage usually means that the copay for the delivery and the prenatal visits leading up to the delivery are probably higher. It sounds...

Life & Health Insurance: Required Info, cobra insurance, complete insurance
cobra insurance, complete insurance, insurance networks: As far as your current coverage is concerned, you stated that she is 3 months along. When the child is born, she ll have 12 months continuous coverage, so you re ok, there. One thing about COBRA, you don t have to have it for all 18 months, if, by chance,...

Life & Health Insurance: Requirement of Essay on following Topics, life insurance contract, risk 2
life insurance contract, risk 2, proximate cause: I m sorry, but I m happy to answer questions and help people but I m not going to be able to write essays for people. That isn t what this website is about. Good luck with your essay though, perhaps you should be researching and writing this yourself? ...

Life & Health Insurance: Researching opportunities, employee benefits arena, group health insurance
employee benefits arena, group health insurance, cost effective advertising: Hi Deana, First of all, congrats on getting started on your insurance business. It can be a fun and stressful time but very profitable. My advice will be based on my experience of starting my own agency. The biggest thing that you are going to overcome...

Life & Health Insurance: Retirement Health Care Annuities, deductible health insurance, health insurance policy
deductible health insurance, health insurance policy, term health insurance: The term health insurance annuity would scare me to death. The thought that someone would guarantee to pay my medical expenses if I gave them a lump sum of cash would be something some scam artist would come up with. Because of the rising cost of healthcare,...

Life & Health Insurance: Right life insurance for me., life insurance policies, life insurance policy
life insurance policies, life insurance policy, permanent life insurance: -Name -email address -state of residence -date of birth -smoker/nonsmoker -any health conditions, medications, or hospitalizations in the last 10 years? - any parents or siblings diagnosed with cancer or heart disease before they turned 65? If so, details?...

Life & Health Insurance: Rio Grande National Life Ins Co, bankers life casualty, life insurance policy
bankers life casualty, life insurance policy, military marketing: Dear JoAnn, It took some doing, but I found three possible companies that you might call to get service. If the policy was part of a military marketing group, it was ceded to Bankers Life & Casualty in 1967. That company s number is (800) 621-3724. ...

Life & Health Insurance: Rio Grande National Life Insurance Policy, life insurance policy, national life insurance
life insurance policy, national life insurance, jefferson pilot: Dear Jan, I have learned that Rio Grande National had been acquired by Kentucky Central. The policies that were held by Kentucky Central were then turned over to Jefferson-Pilot and Liberty LIfe. JP phone# (336) 691-3000 LL phone# (864) 609-8111...

Life & Health Insurance: Roth IRA vs Whole Life, life insurance plan, whole life insurance
life insurance plan, whole life insurance, life insurance policy: Hi Edward Life insurance and IRA s are not common in any way. To compare them is not in your best interest. If you die too soon would your wife be financially o.k. without the death benefit from the insurance polciy? If you outlive the need for life insurance,...

Life & Health Insurance: re:how to sell disability to attorneys, disability insurance, appts
disability insurance, appts, reading materials: Roza, Thank you for the nice words and rating. As far as the reading materials the best place to start is gt the policies from the companies selling D.I. and then familiarize yourself with them. Compare them. But the best way is field work. Then you will...

Life & Health Insurance: Who is responsible for med. bill?, unpaid medical bills, initial paperwork
unpaid medical bills, initial paperwork, legal guardian: There is a big difference between an obligation to provide medical insurance and an obligation to pay unpaid medical bills. Does the custody orrder mention anything about unpaiid medical bills? Unless it does, as long as he has provided the insurance,...

Life & Health Insurance: Salary Protection, disability income insurance, long term disability
disability income insurance, long term disability, salary protection: Disability income insurance is protection against loss of income, loss of time, or loss of duties. The key is to read the insuring clause of the policy (listed in the outline of coverage or a sample policy) carefully. Does the policy require total disability...

Life & Health Insurance: Save With Insurance, life insurance policy, brumbaugh
life insurance policy, brumbaugh, car repair: Dear Chow, I appreciate your questions. This one is a toughy. You may not need one if you have a checking account or credit card with a availability of at least $2,000. You can never predict when you might have an emergency such as a car repair expense....

Life & Health Insurance: Seeking an Expert opinion., mr katz, insurance agent
mr katz, insurance agent, insurance business: Alex: I am not familiar with the 220 and 215 test… Each state have different exams.. As far as making you a better agent listen to your client, recommend a product that you would buy yourself. Resist the temptation to sell a product because your sales manager...

Life & Health Insurance: Self Employment Protection, homestead act, real nightmare
homestead act, real nightmare, engineering drawing: First, you should incorporate if you plan on doing much work if you would like protect yourself from liability. This is why most businesses incorporate. Some states cost considerably more than others for this service. You don;t need to incorporate in the...

Life & Health Insurance: Smoker then non-smoker now smoker again., health insurance policy, individual insurance
health insurance policy, individual insurance, insurance policies: Hi Ron, That would depend on the individual insurance company. I would look back over the paperwork you received when they lowered your rates. It may say something about notify them if you started smoking again. Most policies also include protection...

Life & Health Insurance: why SSI benefits affect LTD benefits, ssi benefits, ssi payment
ssi benefits, ssi payment, sec integration: Lee: There seems to be some conflicting info from you so I first want to be sure I understand what our situation is. Your husband has a Group LTD plan where he worked. He also has a separate Individual disability policy and this second one is NOT a group...

Life & Health Insurance: Statistics, congenital heart defect, life insurance marketing
congenital heart defect, life insurance marketing, standard insurance: I don t have the statistics on that. LIMRA, the Life Insurance Marketing and Research Association, would most likely know the answer. I will leave it to you to Google them. I have twice had the experience of paying out on a death claim on a child. Once,...

Life & Health Insurance: Straight Life Insurance, life insurance policy, death benefit
life insurance policy, death benefit, straight life: Dear Mrs. Mischke, I am surprised at the low insurance fund value of your policy. Can you tell me more about the policy? What company is this? Do you have a copy of the marketing illustration that you can fax to me? Willard R. Brumbaugh, LUTCF...

Life & Health Insurance: Suicide and insurance in the past, life insurance policies, luck john
life insurance policies, luck john, committed suicide: All life insurance policies have a 2 year suicide exemption where if one dies by suicide within that time the company is off the hook. But if it is after that 2 year time, they must pay just like any other death. If the death claim is not made immediately,...

Life & Health Insurance: Suicide And Life Insurance, self inflicted wounds, life insurance contract
self inflicted wounds, life insurance contract, term life insurance: Once the two year contestability clause has expired, the company is on the hook for the entire face amount. Insurance companies have done this so that a person won t buy a policy with the express idea that they can commit suicide and not harm the family...

Life & Health Insurance: Supplemental disability, supplemental disability, disability coverage
supplemental disability, disability coverage, mortgage holder: Disability coverage is only as good as what the law will allow you to collect in terms of it. I am unclear as to what type of supplemental coverage you are referring to unless it is something like Aflac. if that is the case, technically, that is treated...

Life & Health Insurance: Supplemental Insurance, bluecross blueshield, cigna healthcare
bluecross blueshield, cigna healthcare, supplemental insurance: Hi Jas, If you are concerned about costs then I would recommend that you stay in network with Cigna. If.............you could get any other health insurance to cover this impending surgery it would be costly and I feel confident that you are not going to...

Life & Health Insurance: Supplementary Health Insurance, unum provident, colonial supplemental insurance
unum provident, colonial supplemental insurance, short term disability: Good question. Glad you asked. The products for Supplemental vary from company to company, but they usually include: - Cancer Insurance - Hospital Indemnity - closets to your Medigap you inquired about - Accident Care - Critical Illness - Some...

Life & Health Insurance: Supplimental Health Insurance good idea?, supplemental health insurance, health insurance plans
supplemental health insurance, health insurance plans, term care coverage: Please forgive my delay on this response. I did not realize it was pending. Tricare coverage is good but supplemental policies always help. The government is always looking at ways to cut back benefits. However getting one now will not reduce the amount...

Life & Health Insurance: searching for possible assurance policies, national insurance number, sun life financial
national insurance number, sun life financial, personal places: Your best options are: - Personal places where your father would have kept important papers. - Check on www.mib.com/html/lost-life-insurance.html. This website should be able to gear you in a good direction toward finding out something. It may cost...

Life & Health Insurance: self funded health plans, dept of insurance, health plan
dept of insurance, health plan, good luck: Dear Diana: You go to both. First your employer, becuase they are paying for the self funding and at the same time to the health plan carrier. If that does not work go to the Dept. of Insurance in your state with the problem. Good Luck Yours Truly,...

Life & Health Insurance: selling annuities, surrender fees, incomplete presentation
surrender fees, incomplete presentation, true motivation: I m assuming you are insurance licensed and want to help people with their money. First, let me state that I am no fan of CD s. However, our job is not to convince people to do anything that they aren t comfortable with. A careful questioning process can...

Life & Health Insurance: selling life insurance, life insurance annuities, selling life insurance
life insurance annuities, selling life insurance, medicare supplements: Dear Nicole: First of all, please accept my blessing. As a senior, I gift you my following three guiding principles: No.1 Learning at every moment. No.2 Enjoying at every moment and No.3 Helping others at every moment. Now start implementing...

Life & Health Insurance: short term health insurance, health insurance benefit, federal government plan
health insurance benefit, federal government plan, prescription drug coverage: The more you are willing to pay for any medical care she may need, out of your own pocket, the lower your premiums will be. So, use that as your barometer. Expensive medical care is not likely since she is young and healthy. Chances of her needing expensive...

Life & Health Insurance: short term insurance, health insurance policy, term health insurance
health insurance policy, term health insurance, short term insurance: The likelihood of anything happening to you in the next 90 days is small assuming you are relatively young and have no medical conditions. But you never know what may come up. Chances of injury are greater than chances of illness given your athletic status....

Life & Health Insurance: signatures, state insurance department, life insurance policy
state insurance department, life insurance policy, burial plot: In answer to your second question, an adult must consent to a policy being taken on his or here own life by signing the application. If you didn t sign, then there should not be a policy unless you were a minor at the time of the application. How you would...

Life & Health Insurance: supplemental insurance and pregnancy, individual health insurance, blue cross blue shield
individual health insurance, blue cross blue shield, good luck with everything: Hi Angela, Congratulations on starting your family. It is a wonderful and exciting time. There are a couple of different options that you can pursue for health insurance depending upon which state you live in. For individual policies many companies...

Life & Health Insurance: supplemental insurance, expense policy, accident policy
expense policy, accident policy, information states: This is not legal advise. This is an expert opinion. What I think you are referring to is a supplemental income and expense policy. These policies usually pay a flat (fixed) amount per day for each day you are in a hospital. They are intended to supplement...

Life & Health Insurance: supplemental medicaid illinois, pre natal care, private insurance
pre natal care, private insurance, medical plan: Thanks for inquiring on this. I know that Medicaid should be available to help her. They have certain things in place specifically for the prenatal care. I am a bit concerned as to why the coverage she is on with her parents is being so stingy in assistance....

Life & Health Insurance: Tax consequence on cashing out life insurance, life insurance policy, permanent life insurance
life insurance policy, permanent life insurance, death benefit: Dividends are interest and if they were used to buy additional death benefit as most agents set the policies up that way from the start, they are not taxed when they are paid that way. When the policy is cashed out, the dividends are converted back to cash...

Life & Health Insurance: Tax Liability - Life Insurance, cash surrender value, whole life insurance policies
cash surrender value, whole life insurance policies, life insurance policies: I assume you are not referring to recovering the cash surrender value in your policies when you say cashed in . Let me preface my answer with the fact that I am not an accountant and would strongly suggest you also seek the advice of a tax professional....

Life & Health Insurance: Term Insurance, term life insurance policy, life insurance policy
term life insurance policy, life insurance policy, term life insurance: I am very sorry for your loss. Term Insurance is only as good as the term (or amount of time) it was was taken out for. If there is anything that states a recent payment and the payment would have kept the policy paid, then there is a claim out there for...

Life & Health Insurance: Term Insurance, void check, premiun
void check, premiun, lutcf: Before a policy is even offered insurance companies call upon the services of a special kind of scientist called an actuary. The actuary determines what the likelihood of a person passing away during any set period of time. From this the insurance company...

Life & Health Insurance: Term or Life Insurance, term life policies, term life insurance
term life policies, term life insurance, social security benefits: The question is what can he afford, and what does he want to do. Does he want to provide the $100,000 if he dies in the next ten to twenty years, or provide that amount when he dies, even if that s beyond a fifteen or twenty year time frame. It is not cost...

Life & Health Insurance: Term or Life Insurance, term insurance, universal life
term insurance, universal life, well thanks: Sallie: from a cost effective perspective the term policy will beat all others. It is however pure coverage for a set period of time--say 20 or 30 yrs. If you will not need the coverage after that time this is a great idea. I would recommend looking at...

Life & Health Insurance: Term Life Insurance Duration, mike feinberg, term life insurance policy
mike feinberg, term life insurance policy, michael feinberg: Actually no, the few remaining policies that are available for a 5 year term tend to be MORE expensive than those for a 10 year term, so your best bet would be the 10 year policy (or longer if you think you may need it longer). If you d like to compare...

Life & Health Insurance: Term Life Insurance:, term life insurance policy, life insurance policy
term life insurance policy, life insurance policy, term life insurance: 5 Year term insurance is pretty worthless because 5 years goes by awfully fast then your insurance is gone. A 10 or 20 year policy makes much more sense. 10 years is not much good either depending on health, etc. I hope you know she will have to sign the...

Life & Health Insurance: Term life or whole life, permanent insurance, insurance questions
permanent insurance, insurance questions, employment income: Hi Mike, as with most insurance questions, there s no easy answer to what a person should have with a very basic background. There s almost always more to it in order to make a good recommendation. However, what I can tell you is that if your primary...

Life & Health Insurance: Term or Universal Insurance, universal insurance, death benefit
universal insurance, death benefit, term insurance: Sorry to take so long to get back to you. Term insurance is a temporary product that will provide you with coverage for 20 or 25 years, but then will go away. If you are only concerned about coverage if he dies before age 75-80, then term insurance...

Life & Health Insurance: Top 10 Life (term) Insurance companies, term insurance, insurance companies
term insurance, insurance companies, thanks in advance: That s kind of an interesting question, but I m wondering: Top 10 on what basis? Any ranking of any list is dependent on the criteria you are trying to rank them by (assets? policies in force? financial ratings? rates?) There are so many ways to rank...

Life & Health Insurance: Transacting with life insurance brokers, life insurance brokers, life insurance companies
life insurance brokers, life insurance companies, insurance companys: Hi Sallie It doesn t hurt to get several rates from different companys. If you are interested in life insurance your health records are available to the insurance companys you are applying with. If you need an exam, then each company will look at your current...

Life & Health Insurance: Transacting with life insurance brokers, life insurance brokers, life insurance companies
life insurance brokers, life insurance companies, medical test: Sallie: There is nothing wrong with you using two brokers--just be careful not to submit too many applications to too many comapnies at the same time. If you have been turned down there was a reason--the broker should submit a prelim application to underwriting...

Life & Health Insurance: Transfer of an annuity to life insurance policy, variable life policy, mutual insurance company
variable life policy, mutual insurance company, life insurance policy: Hi John No Variable life is never paid up and the mortality costs rise each year. The policy will not offset the premium in any year and no one can predict that interest rates will go up and stay that way until your mother dies. If the rate goes back down...

Life & Health Insurance: Trouble Obtaining a Death Certificate, life insurance policy, lutcf
life insurance policy, lutcf, buffalo new york: Dear Tina, At this point I don t have an answer, but I do have a question. Who is the beneficiary on the life insurance policy? If you can provide me the name of the company, your aunt s name, SS#, date of birth and policy number, I can try to intercede...

Life & Health Insurance: Trouble Obtaining a Death Certificate, life insurance policy, john hancock
life insurance policy, john hancock, major insurance: Tina, As in most states, New York (or the city of Buffalo) will provide a death certificate to someone who is not the parent, spouse or child if a valid right or claim exist for the individual making the request. Any executor of the will would have this...

Life & Health Insurance: Trouble Obtaining a Death Certificate, life insurance policy, probate court
life insurance policy, probate court, luck mike: I m not sure -- this is actually a legal question in need of an estate attorney more than it is an insurance-related question. I would imagine that going through the probate court of the jurisdiction where she died or lived would be a first step -- but I...

Life & Health Insurance: tax on insurance money, insurance money, lutcf
insurance money, lutcf, death benefit: Dear Janice, If this was the death benefit of your Mom s policy, there is no income tax. And you have my condolences. On the other hand if this was a cashout of an in force policy, there would be income tax on only the gain over premiums paid. Willard...

Life & Health Insurance: taxes, self employment tax, independent relationship
self employment tax, independent relationship, insurance renewal: Well, I am not a tax expert but as an insurance agent who earns renewal commissions, I can tell you that they are definitely considered earned income. Depending on if you receive them as 1099 income from an independent relationship or W-2 income from an employee...

Life & Health Insurance: term lfie insurance and estate planning, term life insurance, home owners insurance
term life insurance, home owners insurance, long term care insurance: John, Generally, you would not use term life insurance as a replacement for LTCi. Here s why: What if the 55 year old person lives to 88 and then needs LTC? It would be less than 1% chance that the policy would still be in place, and if it was the premiums...

Life & Health Insurance: term life insurance, term life insurance, life insurance company
term life insurance, life insurance company, permanent life insurance: Dear Stacy, Term life insurance is a good buy when you have a temporary need, or as in your case, you have limited funds. If, on the other hand, you are budgeting for long term goals that include college and/or retirement, some form of Permanent life insurance...

Life & Health Insurance: test, property and liability insurance, casualty insurance
property and liability insurance, casualty insurance, policy renewals: THE JOB Insurance provides protection against future financial loss from injury, illness, death, property damage, or theft. INSURANCE AGENTS sell insurance policies to individuals, families, business firms, and other groups. In addition, agents provide...

Life & Health Insurance: trusting an agent, unethical business practices, better business bureau
unethical business practices, better business bureau, consumer protection agency: There is a consumer protection agency called National Ethics Bureau that will help you, at no cost to you. Go to www.ethicscheck.com or call 1-800-250-1831 and check to see if an individual agent is a member in good standing. Even if they are not a member,...

Life & Health Insurance: UNIVERSAL LIFE WITH EQUITY INDEX, fixed indexed annuities, variable life policy
fixed indexed annuities, variable life policy, traditional annuities: Dear Sam, Unless these people are willing to offer one of the policy types that I recommended in my previous response, absolutely! Douglas Andrew, in Missed Fortune 101 , deviated from his own sound advice regarding Variable Universal Life, when he...

Life & Health Insurance: Understanding Health Insurance, understanding health insurance, insurance primer
understanding health insurance, insurance primer, insurance education: I m sorry but I wouldn t know of anything offhand any more than going onto google and searching just like anyone else could... I try to stay as far away from health insurance as I can -- it s a nightmare (trust me, I pay over $1000/mo for my family s). Sorry...

Life & Health Insurance: Universal Life Cash Value?, federal privacy laws, life insurance policy
federal privacy laws, life insurance policy, social security number: Dear Jane, In light of the fact that I am not a State Farm agent, I will not be able to talk to them about your daughter s policy. Federal privacy laws have really impacted what I can do for people. What you need to do is go to https://online.statefarm.com/apps/AskSF/...

Life & Health Insurance: Universal Life Ins. Surrender Value Decreasing, life settlement company, universal life policy
life settlement company, universal life policy, surrender value: Dear Larry, Thank you, and I wish a great new year for you and yours as well. The purpose of this site IS to take advantage of us. It is a quid pro quo relationship. By our sharing our expertise, we avail ourselves of a very economical means getting...

Life & Health Insurance: Unknown policy, term life insurance policy, life insurance policy
term life insurance policy, life insurance policy, term life insurance: As an adult, your wife can only provide information on you for an application for a life insurance policy under a normal life insurance policy situation. You would have to sign the application and all papers involved in it. However, there are cases where...

Life & Health Insurance: Unknown policy, life insurance policy, individual life insurance
life insurance policy, individual life insurance, doctors office: First of all, I am assuming that this is an individual Life Insurance Policy you are asking about, and the legal answer is No , she can not. The reason is every company requires your signature on the application, HIPPA forms, and a few other places. In...

Life & Health Insurance: Unknown policy, medical information bureau, insurance application
medical information bureau, insurance application, extreme lengths: Not legally. In order to procure insurance, at the very least the proposed insured would need to sign an application testifying to the accuracy of the answers on the application. If this signature was forged, perhaps this could be the case. Most policies...

Life & Health Insurance: Urgent - Need Medical Insurance On 2 Grandaughter's, health insurance company, tenn care
health insurance company, tenn care, tullahoma tennessee: OK, I have had to do some serious thinking on your extremely good question and here is where we can start with... First, if your daughter is covered under the military insurance, does that mean she is in the military or still considered a dependent of yours...

Life & Health Insurance: Using Whole Life Insurance, whole life insurance policies, whole life insurance
whole life insurance policies, whole life insurance, life insurance policies: Dear Rod, The book to which you refer may have been authored by Nelson Nash. The edition that I had read used a dividend projection that by today s standard is a little high. But the concept is sound. The idea is also called Becoming Your Own Banker...

Life & Health Insurance: Is universal life tax free?, mutual insurance company, seperate accounts
mutual insurance company, seperate accounts, deceased estate: No. This is part of the deceased estate and will be part of the estate tax formula. If the policy is owned by someone else then it would not be in the deceased estate. Question 2 If that is what you believe then it is o.k. if you are talking about all term...

Life & Health Insurance: universal or term insurance, life insurance policy, universal life policy
life insurance policy, universal life policy, permanent life insurance: Dear Ethan, Thank you for your questions. I apologize for the delay in answering, but I was at the NAIFA Convention and have just gotten around to answering my e-mail. First, I want to correct popular terminology. There is no such thing as cash value...

Life & Health Insurance: unmarried mother life insurance, child support payments, life insurance policy
child support payments, life insurance policy, own life insurance: Caitlin, Thank you for the feedback already. I have recieved one email back from one of my attorney friends and here is his answer: She cannot compel him to take a policy on himself with her as the owner and beneficiary. His only obligation is to...

Life & Health Insurance: unwanted life insurance, insurance question, insurance laws
insurance question, insurance laws, time children: Generally, there is nothing you can do. While I m not aware of the specifics of Canadian law, they are generally very similar to US law. Life insurance laws protect the policy and the owner (your father) from most if not all claims against it. You re...

Life & Health Insurance: Variable Annuity, state insurance department, rating insurance companies
state insurance department, rating insurance companies, life insurance policies: A.M. Best and Co. has been rating insurance companies since 1899. Their website is at www.ambest.com. Another rating service is Weiss & Co, who use a more stringent method of rating insurers. It s hard to evaluate a company based on a single letter grade....

Life & Health Insurance: Variable Life Insurance plans, variable life insurance, using life insurance
variable life insurance, using life insurance, term life insurance: Dear Cheryl, Variable Life policies were designed and have been continually marketed for people who naively expect the stock market to always go up over any extended length of time. They have been construed to be a way to accumulate large gains without...

Life & Health Insurance: Variable Universal Life, level term insurance, tax law changes
level term insurance, tax law changes, variable universal life: This will not work since to get any serious money into the policy to be of any value like for college, the death benefit has to be very large and what good is a large death benefit on a child? The reasons are beyond this answer but they have to do with tax...

Life & Health Insurance: Viatical Transactions, mike feinberg, life insurance policies
mike feinberg, life insurance policies, life insurance policy: Hello Brian, viaticals are a very interesting segment of the insurance industry. Basically, when regulated, this practice is currently completely legal and legitimate. There are many funding companies (not the same as insurance companies that offer...

Life & Health Insurance: VUL, life insurance policy, permanent life insurance
life insurance policy, permanent life insurance, variable annuities: Dear Jona, I appreciate your question. If the question was whether it is better to buy term and invest the difference in a mutual fund, then I would say that the VUL was a good purchase. This is because you would be comparing products of comparable...

Life & Health Insurance: value transfer, life insurance policies, life insurance policy
life insurance policies, life insurance policy, accurate answer: Hi Brian, Sorry to say I can only answer part of your question. As far as changing the beneficiary on the life insurance policy that is not hard. You must contact either the agent or the insurance company and request a change. Provided the policy allows...

Life & Health Insurance: value transfer, business life insurance, life insurance policies
business life insurance, life insurance policies, insurance consultant: I honestly don t know the answer to that question. Are the policies cash value type or term policies? If they are term, they have no $ value. Email me back at: jbuob@cox.net and I will forward on your question to a business life insurance consultant who...

Life & Health Insurance: variable annuities, world financial group, indexed annuity
world financial group, indexed annuity, variable annuities: Dear Wayne, Thank you for asking. I am not familiar with World Financial Group, but I certainly understand the concept. Financial products of this type require the suspension of practical skepticism. The only advantage that a variable annuity has...

Life & Health Insurance: Websites or companies that compare insurance rates, term insurance rates, national association of insurance and financial advisors
term insurance rates, national association of insurance and financial advisors, quotesmith: I have used term4sale.com previously. As a broker, I have access to online sites that allow me to compare a large number of companies, including ones such as Quotesmith and InstantQuotes (which I was not aware of). Life insurance is a complex subject, (even...

Life & Health Insurance: Websites or companies that compare insurance rates., term insurance rates, independent agent
term insurance rates, independent agent, medical history: Sallie: Depending on which state you reside, I may be able to help you directly. My direct email address is: ghfinancial@zebra.net Email me w/ the following: Full name date of birth Ht Wt Address Phone 10 year medical history amount of...

Life & Health Insurance: Whole Life 1/3/2004, term life policies, life insurance policies
term life policies, life insurance policies, term life insurance: Kerry: Here s the story on that: In the spring of 1993, Penn State University completed a study regarding the fate of term life insurance policies. The study includes over 20,000 term policies with an aggregate face amount of $4,000,000,000. It includes...

Life & Health Insurance: Whole Life Cash Value Surrender, cash surrender value, lutcf
cash surrender value, lutcf, brumbaugh: Dear Chris, You would be taxed on the difference between the surrender value and the sum of the annual premiums paid. However I am troubled by your decision to surrender the policy. The fact that your policy s surrender value already is significantly...

Life & Health Insurance: Whole Life Insurance, whole life insurance, clu designation
whole life insurance, clu designation, suze orman: With all due respect to Suze Orman, she doesn t have a CLU designation, and her thoughts on whole life are just wrong. Whole Life has been around for at least 300 years. You would think that humanity would have figured out what a bad idea it was by now -...

Life & Health Insurance: Whole Life Insurance Profit, life insurance policies, whole life insurance
life insurance policies, whole life insurance, street journal article: Follow-up information I applied that $100 per month to my primary carrier s Special 11 Whole Life policy and ended up with an age 65 death benefit of $282,926. This is an Internal Rate of Return of 6.07%. The surrender value at 65 currently projects...

Life & Health Insurance: Whole Life Insurance, variable life policy, term life insurance
variable life policy, term life insurance, whole life insurance: Dear Vince, Ms Orman proves that you can t believe everything that you read. It is obvious to me that she has taken a position without fully understanding what she is talking about. Term life insurance is a good product for what it was designed for,...

Life & Health Insurance: Whole Life Policy Cashout, insurance advice, life policies
insurance advice, life policies, financial burden: I would have no idea as I: a - did not write the policy b - do not know when it was taken out c - do not know the interest rate you have been accruing cash on it The loan on it itself could cause your payment ot be lessened quite a bit. Most Whole...

Life & Health Insurance: Whole Life Profit, finance class, death benefit
finance class, death benefit, future value: Hi Carlos If you purchased a whole life policy that pays you dividends then you are o.k. If your policy does not then you are young enough to cancel it and purchase a new one from a mutual company. I suggest a whole life policy when you can afford the premium...

Life & Health Insurance: Whole Life Profit, michael feinberg, permanent insurance
michael feinberg, permanent insurance, finance class: Well, your question is an interesting one, but has a couple of flaws in the figuring, so here are my thoughts. First of all, there s no reason a $100,000 permanent insurance policy for a 20 year old male should cost $100/month. It shouldn t be any more...

Life & Health Insurance: Whole Life Profit, mutual insurance company, astute consumers
mutual insurance company, astute consumers, life insurance industry: The life insurance industry fears people like you, astute consumers. Why do you think one of the largest mutual insurance company s uses the slogan “the quiet company”? Because the industry does not want individuals like you discovering that over paying for...

Life & Health Insurance: Whole Life Profit, finance class, future value
finance class, future value, whole life: Dear Carlos,Please don t forget you may pass away long before 30 years.Big loss for co. U L is better option, you share more of risk, but allso share more of profit.Term is best of deal short term.You refered to6% where do you find 6%?Dan 888-4649 Call if...

Life & Health Insurance: Whole Life vs. Roth IFA, life insurance policy, whole life insurance
life insurance policy, whole life insurance, retirement investment: Hi Lisa Although life insurance has tax-deferred cash on the amount paid over the cost of insurance, it shouldn t be sold as a retirement investment. If you can afford to start a Roth and keep the insurance, that would be the best situation. If you can t...

Life & Health Insurance: Whole Life, market interest rates, universal life policy
market interest rates, universal life policy, life policies: What I would do is find a GOOD independent agent who will give you ALL the options available to you rather than selling you something because that s what THEY think you should have and they make money from you. If you can t find a truely good independent...

Life & Health Insurance: Working for this company, life insurance industry, life insurance company
life insurance industry, life insurance company, orientation programme: Dear Tony Ottaino: Welcome in our Insurance Industry! Please remember, whosoever entered in the Life Insurance Industry as a Life Insurance Company, always starts with the trust. Utmost faith is the basic principle from where journey of life insurance...

Life & Health Insurance: wet paper, wet paper, life settlement
wet paper, life settlement, immediate payment: Mr. Levenstein, this sounds alot like the life settlement you were mentioning in your question yesterday. I think the last sentence you typed says it all.. According to that information my wife and I could earn 2,000,000 without any risk whatsoever....

Life & Health Insurance: whole insurance, life insurance settlements, life insurance policies
life insurance settlements, life insurance policies, whole life insurance: There are companies that will buy life insurance policies from people that need large amounts of funds. The problem here may be the face amount may not be large enough that they would be interested in buying the policy. They usually want the policies to...

Life & Health Insurance: whole life insurance, life insurance policies, life insurance policy
life insurance policies, life insurance policy, whole life insurance: Dear Herb, The answers are yes and yes. However to surrender these policies and replace them with term insurance is not your best option. I don t know what company you have your insurance with, but it is likely that you are just now beginning to reap...

Life & Health Insurance: whole life policy question, life insurance policy, large intestine
life insurance policy, large intestine, history of colon cancer: Hi Betsy. I m an insurance broker in the country of Panama, so I can t really respond to a question from the US. But I ll try my best from what I know in Panama. He needs to call the company he currently has the policy with to see if they can extend the...

Life & Health Insurance: whole life policy, deferred annuity, surrender value
deferred annuity, surrender value, roth ira: It s hard to make a blanket recommendation, but I would say that personally, I m not a big proponent of life insurance being used as an investment vehicle more than for protection purposes. I generally view the investment value of a life policy to be a bonus...

Life & Health Insurance: whole life vs. term, universal life insurance, michael feinberg
universal life insurance, michael feinberg, life insurance policy: Sorry for the delay in getting back in touch with you... I have a followup question that will better help me answer your question, since there is no one size fits all answer. Do you have an expectation that you would have a large insurance need if either...

Life & Health Insurance: written subject matter, professional worth, wills and trusts
professional worth, wills and trusts, professionalism: Dear Chris Lowers: The best book to explore your potentialities and knowledge leadin you to understand professionalism, dedication, devotion and expertness is to meet the people and then send me the questions that you feel difficult to answer. Aye! the...

Life & Health Insurance: -------------------------..., term life insurance, permanent insurance
term life insurance, permanent insurance, rule of thumb: Good answers. I would probably recommend term life insurance of 20-30 years in length. This would be the most cost effective way to protect your income for your son with the most coverage for the least cost. It would cover you for the next 20 years (or 30...

Life & Health Insurance: Which one?, whole life insurance, surrender value
whole life insurance, surrender value, dear james: Dear James, Thank you for your question. I appreciate your confidence in me. It is my judgment that most of the people that get involved with Primerica are sincere in their desire to do right by their friends and clients. Unfortunately, the training...

Life & Health Insurance: How do I go about this?, nerve damage, disc replacement
nerve damage, disc replacement, accident car: Hi Lydia, Since I also live in Western Pa, I am very familiar with the Highmark plans. The insurance you may want to look at is the car insurance depending on who was at fault for the accident. Car insurance does have some liability coverage for bodily...

Life & Health Insurance: -------------------------..., lifetime benefits, alabama resident
lifetime benefits, alabama resident, peter answer: Peter; i have not seen an inflation rider add that much to the premium. I have seen the costs associated w/ long term care escalate. At you age I would be making an error in judgement if i did not encourage you to select inflation riders.When determining...

One Life to Live: Kirsten Alderson Song, soap opera digest, kirsten alderson
soap opera digest, kirsten alderson, lanoue: It was Together , and it was written for their Prom Night Musical that they all sang in last Spring. You can watch the video or download it via iTunes. http://abc.go.com/daytime/onelifetolive/musical.html I could not find out who wrote the specific tune,...

One Life to Live: Song, michael franti, pregnant teenager
michael franti, pregnant teenager, nan: Nan, i m not really sure of the song.. and i have seen the episode yet.. so i goggled the lyrics you gave me and only came up with... why did you have to go away by michael franti and spearhead not sure if this is it.. sorry couldn t be more helpful...

One Life to Live: Nora Gannon, nora buchanan, hank gannon
nora buchanan, hank gannon, tvmegasite: Her maiden name is Hanen. She was married to Hank Gannon for a while and had his daugther, Rachel, so she had his name when she first came on the show. Then she married Bo, so she was Nora Buchanan. Later, after they divorced, she went back to Hanen. So...

One Life to Live: today's song on OLTL, soap opera digest, soap opera weekly
soap opera digest, soap opera weekly, s song: Hi Liz, How are you? The show has not yet aired here today. I have not had much luck with music lately, so you may want to ask someone else or write to Soap Opera Digest or Soap Opera Weekly and they will probably know. They often answer questions like...

One Life to Live: Lyrics to the theme song of One Life to Live, musical interlude, don t cry
One Life to Live: Lyrics to the theme song of One Life to Live, musical interlude, don t cry, one life to live

One Life to Live: Lyrics to the theme song of One Life to Live, don t cry, one life to live
don t cry, one life to live, grateful thanks: Hi Dan, I hope you are doing well. I was able to find some lyrics for you - here they are: Here s what you do when you don t find the rainbow s end This time Here s where you go when it looks like the rain won t end Don t cry I ll give you tomorrow...

One Life to Live: song question, sweetest kiss, song question
sweetest kiss, song question, alison: Hi Alison, I hope you are having a great day. Thanks for choosing me to answer your question! The song is called Sweetest Kiss. It was sung by Michal Towber. She has done a lot of things for the show. You can check out her other music at www.michaltowber.com,...