My father died a year ago, but the hospital is still sending bills. Am I responsible for them?
Question:
He had emergency room service that be not covered by Secure Horizons or Hospice. Who pays this bill since he is deceased?
Answer:
His estate is responsible for them - so forward them to the executor of his estate.
sorry for you loss, I assume it comes out of his estate.
it should be his estate if there be any. if he had no assets when he died next the hospital cannot recover unless you signed papers.
technickly yeah if u r a kith and kin member they r gunna get u pay it sorry!:(
You are not responsible. They can sue for owed amount against his estate if any. Only if you signed for any loans or enjoy your name as owing do you owe anything. Did he die while at that hospital? If not, they may not know he is motionless. You may have to convey them proof that he is deceased. If he have an estate I would probably talk to an advocate for advice. There are lawyer that specialize in this nouns.
Tell them that he passed away. The hopital will wtite it off.
if it's an ER bill they may not know that he is departed.
Sorry for your loss.
If there is an estate, afterwards forward the bill to whoever is handling it.
Otherwise, take it to the hospital next to a copy of the death ticket and tell them he's passed away.. they should write it sour.. They could get pissy roughly it, ask you if you are responsible for his debts... if you don't co-own anything, then no.
polite luck.
Insurance Agents?
Question:
For those of you buying leads, what is the best company you've used? Best price/most valid lead.
Answer:
I have purchasing lead for the past 6years, and I hold used lots of companies. I currently use 4 companies, and over the past year own found that two others were acquire from a big national "public" company. Here are some facts about lead that you buy over the internet. You have some companies that use pop ups to achieve clients, example people are offered the possibility of prizewinning a trip to vegas if they fill out contact information, (these folks do not want insurance) consequently you have companies that puff on search engines to gain insurance prospects. Here is ther authenticity, most of these folks are not wanting to buy insurance, most are just fanlight shopping with no intent of purchasing. If you are going to purchase lead, know that it is a long term winter sport, lots of follow up is involved - I would say are average mart takes 6months to 18months. You will spend lots of money since you make any return on your money spent, I can vote this- last year I shifted to more direct marketing which seem to have a better return. ie. personal correspondence, face to frontage marketing.
I own a Health Insurance agency, and I would say this- the big players within the lead winter sport are "boiler room" agencies I know a few of these type of agencies some have sprouted up from outside of the US, selling adjectives over the USA- where team can be had at a few bucks, and agents donate these poor folks big bonus's for selling, basically the sale agents are saying anything over the phone to close a buy and sell. At one point earlier this year, I found out that I be competing against plans that did not exist- basically these phone solicitors be making up plans, telling un-suspecting clients literally anything to go a plan. I always narrate everyone "get it surrounded by writing". Hard to compete against these guys, be careful at the finish off of the day it have very little to do near the actual lead companies it have to do with the relations buying the leads, and believe me the front companies just want to supply them to anyone, they could care smaller number if they sell to the devil.
Don't buy lead. Simple as it gets!
The one the company I worked for bought lead, it was horrible. None of the individuals even remember talking to anyone in the region of insurance... These companies call every Tom, Dick and Harry surrounded by the book and ask if they'd be interested in a quote. Anyone that doesn't slam the phone within the ear gets put on the yes register! I would advise getting your christen out there beside Local Chambers and Mixers and so forth!
if you want life deposit you have to check more info
http://www.freewebs.com/getinsurance...
Partial coverage one and only for beachouse?
Question:
I am an owner of a beachfront condo in an nouns of California that is
"famous" for fires. After the most recent fire second month our HOA
decided to review our policy and be quite shocked to find out that
we be underinsured by 1 million dollars. The reason for this is because our policy does not cover rebuilding of the foundation of our building which is on pilings. According to our agent the underwriter refuse to add this coverage to our policy. The big surprise is that our underwriter is CHUBB and we own been beside them for 25 years.
I called a local agent and he said he have never heard of this and that contained by fact CHUBB and Loyds of London insured tons homes on our street including the foundation!
Any ideas as to why this have happened to us? HELP!
Answer:
CHUBB may be trying to grasp out of providing coverage in that nouns and you're the first to find out, or your HOA may be trying to convince you to sell the property so that they can pinch it over. Get it in writing from the HOA so that you can pursue your question legally.
I surmise that CHUBB no interest to cover the foundation of your beachfront condo because the problems with the constant fires surrounded by your area.
I suggest to you purchase a homeowner policy (HO-6 ) that cover this portion. Here included what cover this policy.
The HO-6 policy is a special form of homeowners that be designed to meet the unmatched insurance requirements of owners of condominium units and cooperative apartments. An insured can solitary qualify for an HO-6 policy by being an owner-occupant of a residential condominium element or a cooperative apartment. The insured premises are defined as the unit where on earth the insured resides. An HO-6 policy can not be used to insure a unit owned by the insured but rented or lease to others. The condominium unit is defined as the space between the walls, ceiling, and floor. Sometimes element owners are responsible for parts of the unit beyond the walls, ceiling, and floor. Condominium section owners also have an individual interest next to other unit owners within common areas of property. Common areas of property could include the home, stairways, halls, parking and storage areas, and the heat and cooling system. The unit owner's responsibilities are usually outlined within the condominium agreement and bylaws. The major loss exposures for part owners are loss to real property, loss to personal property, and officially recognized liability. The following is a basic outline of the HO-6 policy and the endorsement most widely used on the HO-6 policy.
If anyone have Medicaid..do they cover braces??
Question:
how do i find out?
Answer:
Call the 800 number on the back of your insurance cards. This go for any type of insurance be it Medicaid or anything, call the 800 and ask. They will know how to assist you.
It really depends on your exact coverage. Medicaid offers different coverages depending on age, and type of plan. Usually the coverage for braces is for children beneath 18.
I noticed you are surrounded by Michigan by a prior question you asked.. Below are adjectives the links you need to get the message your questions to Medicaid for the state of Michigan.
Good luck to you.
no
no, and if you are over 21 one and only emergencies are covered
I am pretty sure they do not.
You would own to call the state that you hold the medicaid through. you should be assigned a state case worker for question like this.
No they aren't
You would own to get a dental insurance for that to be covered and even MOST insurances individual cover SOME of the cost and not all.
No. No one covers braces. It's considered cosmetic surgery.
http://www.robustness.state.ny.us/health_car...
What health services are covered by Medicaid?
In nonspecific, the following services are paid for by Medicaid, but some may not be covered for you because of your age, financial circumstances, house situation, transfer of resource requirements, or living arrangements. Some services own small co-payments. These services may be provided using your Medicaid card or through your managed thoroughness plan if you are enrolled surrounded by managed concern. You will not have a co-pay if you are contained by a managed perfectionism plan.
smoking cessation agents
treatment and preventive health and dental attention (doctors and dentists)
hospital inpatient and outpatient services
laboratory and X-ray services
care surrounded by a nursing home
care through home condition agencies and personal care
treatment surrounded by psychiatric hospitals (for persons below 21 or those 65 and older), mental health services, and facilities for the mentally retarded or the developmentally disabled
domestic planning services
early sporadic screening, diagnosis, and treatment for children under 21 years of age underneath the Child/Teen Health Program
medicine, supplies, medical equipment, and appliances (wheelchairs, etc.)
clinic services
transportation to medical appointments, including public transportation and vehicle mileage
emergency ambulance transportation to a hospital
prenatal care
some insurance and Medicare premiums
other strength services
If you are eligible for Medicaid, you will receive a Benefit Identification Card which must be used when you need medical services. There may be limitations on guaranteed services.
For you to use your Benefit Identification Card for certain medical supplies, equipment, or services (e.g., wheelchair, orthopedic shoes, transportation), you or the human being or facility that will provide the service must receive approval before the service can be provided (prior approval).
http://www.vigour.state.ny.us/prevention...
http://www.cms.hhs.gov/home/medicaid.asp...
http://www.cms.hhs.gov/medicaiddentalcov...
http://questions.cms.hhs.gov/cgi-bin/cms...
http://www.cms.hhs.gov/contactcms/...
If u go to college or university check out beside your school if provides form insurance and btw dental, vision, prescription discount plans. It is usually cheaper than individual, especially dental and reverie and prespription discount plans. Like my school through Aetna, provides dental discount plan for simply $29 per year, which is very affordable. Just in the future of work. ;)
I would be sceptical that Medicaid would cover your premium dental services. It is very restricted program to poor people and we don;t spent too much on it on our taxes. But u can other ask.
Medi-Cal, please minister to?
Question:
Do you know why the worker at social services wants to know if you hold life insurance when you're applying for medi-cal, foodstamp, and change aid?
thank you very much
Answer:
I don't hold any idea but my guess would be that if you can afford vivacity insurance, maybe you can afford food? Or I don`t know they want to know that if you die, they can get their money hindmost?
They probably should be asking you if you can afford an internet connection, how come you can't afford food?
One requirement is the amount of go insurance you can have is controlled and if you have a change vaule policy, that value is included for resource restrictions. Since you can access the cash good point, it is counted just similar to cash surrounded by the bank. I don't know the margins in California, but contained by GA, you can not have more than $2000 within cash assets and no more than $50,000 permanent status life insurance.
Yes, Deep5223 that appears to be what Medi-Cal is looking for. Any dosh value contained by your life policy can be counted as an asset. I am not sure more or less this but they could also be interested in the time policy for the same justification that many states will require Medicaid recipient that have taken out a reverse mortgage and are elect the stream of annuity payments (rather than a line of credit or lump sum) to variety the state the remainderman beneficiary. I am not positive on this second statement but could be something to keep surrounded by mind.
yes, because when you die hey get their money vertebrae before your beneficiaries take anything. I think Burial plans may be excluded.. not sure roughly speaking that..
How does AD&D Insurance differ from Life Insurance?
Question:
I understand a bit about how AD&D works (for example, if you lose a leg you grasp x% of your benefit), but who is it for? If I have Life and Medical Insurance, am a white collar worker, and do not rivet in death-defying hobbies, why would I need it? By indistinguishable token, why not get AD&D instead of Life insurance (since the AD&D plan I looked at have a death benefit)? AD&D seem like a fritter away of money (of course I've just jinxed myself). Can someone please teach me?...
Answer:
I'd have to agree that AD&D is insurance that you don't call for to have. It's low risk to the insurer, which is why they proposal it at low cost (usually).
If you have ample go insurance (term is your best buy, as has be suggested) and good disability insurance, you are within good shape. If you don' t hold these two insurances, AD&D is not going to give you sufficient coverage -- and you call for to get them.
AD&D merely pays if it is an accident. For instance if you get hold of cancer--nothing. You could also be hurt in an auto misfortune which is very insecure, but I bet you do drive some places.
Example: Say you go on break. Your in a vehicle wreck, you die.
Regular life insurance pays regardless of do of death, other
than limitations for suicide. AD&D pays if your destruction is the result of any type of unnatural incident. Usually there is a double indem-
nity next to regular life insurance, though. But, if you can afford it, near no such thing as self to prepared for the worst.
Accident insurance is good for folks that do not have an emergency fund. If you own atleast 4 months of income saved up for emergency than you do not inevitability this type of policy.
AD&D (accidental death and dismemberment) pays you if you lose a member or two in an calamity, and pays your beneficiary if you are killed contained by an accident. Life insurance merely pays your beneficiary when you die, but it can be from almost any cause, even suicide contained by some jurisdictions after a lasting time period close to two years. One of the main purposes of go or AD&D is to replace the income you would have earn if you hadn't died. If you have not a soul depending on you for support, there is smaller quantity need for the insurance, although some individuals who can afford it buy the insurance and name their parents as beneficiaries.
Some kind of life insurance enjoy an investment value that you can currency in after that while you are still alive. This is called "complete life". The kind that merely has an insurance payout on your demise is usually called "occupancy insurance".
Get life insurance: plane term- it's cheap and pays if you die. Whether it's via an accident or unprocessed causes. Don't take whole enthusiasm, variable enthusiasm and any other insurance that tries to insur you and invest for you as well.
Get disability insurance: That bearing if you are disabled due to the loss of a limb if you are later listed as disable.
I stay path from special circumstances insurance. the special circumstances rarely come to pass and you can get alike coverage with better rates beside those two insurances listed above.
Oh yeah, don't forget medical insurance. Of course, that go without truism.
If you already have duration insurance, AD&D is redundant.
AD&D pays only if you die as a result of an disaster. And very regularly only if your disappearance is within one year of the twist of fate and the accident is the "proximate cause" of your demise. (So complications don't count!)
Regular vivacity insurance pays regardless of the cause. After a policy have been surrounded by force for at least 2 years, it even pays for suicide.
AD&D simply isn't worth the premiums you'd settle up.
Most people don't die of unpremeditated causes, so the with the sole purpose real effectiveness of AD&D is if you lose a limb, eye, etc. But, what are the likelihood of that happening.
Calculate the likelihood of you losing a limb (very low) and the likelihood of you dying accidentally (also very low) versus the probability of you dying (very, very high) and you'll see it is much better to buy a policy that you know will earnings out for certain.
AD&D pays for specific accident. You are better off near a Disability Insurance policy which will pay a percentage of your stipend. You can get this cheaply through work.
Life insurance provides a lump sum of money to beneficiaries upon annihilation of the insured. It is intended to replace the deceased's loss of current and some future income. Whether the insured dies of innate or accidental cause, his/her beneficiaries will receive lump payments. Whether or not to purchase life insurance, and how much, is a personal choice base on what the person is trying to protect. Life insurance can support:
* replace the loss of future income;
* provide the cleverness for a spouse/partner to keep a home;
* allow a surviving partner to lift and educate children;
* provide income to assist an elder who relies on household for day to time support.
Unlike whole go insurance, term insurance have no cash attraction.
AD&D Insurance
Accidental Death and Dismemberment (AD&D) insurance provides a lump sum payment if destruction or dismemberment is the direct result of an accident. If the insured have both life and AD&D insurance and dies as the result of an fluke, both coverages are paid to designated beneficiaries. An hand enrolled contained by AD&D insurance who becomes dismembered as a result of an chance will be the beneficiary of the claim. The employee is also the beneficiary for any dependent claims. AD&D coverage never requires proof of worthy health, and can be added or dropped at any time.
AD&D insurance have no cash efficacy.
Try getting an instant quote below. Policies start at as little as $3 per month.
Life Quotes: http://www.insureme.com/landing.aspx?ref...
Take care,
Ron @ InsureMe
Where can i get hold of a advocate for injured human being?
Question:
Answer:
There are plenty of them advertising on tv, unless to be exact not permitted in your state.
look up compensation surrounded by yellow page, and they'll be all here.
Try looking in the wan pages surrounded by the phone book under attorneys. Just to consent to you know the one's that say we don't procure paid unless we win really own a high percentage rate.
Call me. I can provide you beside the name of a regulation firm that will do excellent work for you, and it won't cost you very much at adjectives.
(714) 595 2051.
Glyn Norman
Well, if you have a strong defence, just do a yahoo search out for attorney, and you can find one in a New York minute who will hold the case on contingency - for a percentage of the win.
If you own a weak covering, you can hire any lawyer out of the phone book, but you'll probably stipulation to give them a couple thousand up front as a retainer for their time.
insurance policy ?
Question:
how important is an insurance policy for a working couple ? contained by case i invest 50,000 presently and seeing the rate of inflation, will i get the amount that worth after 15-20 yrs ? even within the case of a misfortune will the amount (for eg : Rs.1000000 after something like 7-10 yrs) given be good plenty for the dependents ? can anyone suggest an endowment policy best in the LIC ?
Answer:
You must enjoy savings -- and it sounds as if you are doing that -- but you should also enjoy insurance. Why? If you die tomorrow, there isn't time for your nest egg to appreciate. Your spouse will need income replacement (for the mortgage and to support children) straight away.
Will you need insurance forever? Not necessarily. As you seize older and your dependents are on their own and your debts are remunerated off, your requirements for insurance drop. So, over time, you can reduce the amount of insurance coverage that you own, which will save you money on your premiums if you've purchased occupancy life. (Generally, permanent status life is a better buy and make more sense).
Insurance is one of the key pieces to a biddable financial plan. Your second is retirement as well as emergency money. Your third key is a will, to protect your estate as ably as honour your wishes for how that estate will be divided.
Insurance is a must where you are working couple or not. I would not suggest endowment policies, instead would suggest you thieve whole vivacity insurance which covers your life and incorporate health insurance as a rider.
Hi, plz ring up me as iam a advisor for Life Insurance Company and my number is 9886455272 so that i can advise you for your query.
The point of life insurance is to financially do for your own flesh and blood what you would have done have you lived. Life insurance is sold as a discount in other words you clear so much per year per $1000 of insurance.
Life insurance benefits can pay stale debt, replace income and pay for college and does so income excise free when paid to a beneficiary.
If you rely on nest egg, which don't get me wrong you stipulation, you will be limited to the amount save at the time of death. Life insurance should never be looked at as an investment. Though in that will be those who will try to sell it to you that mode, it is a financial saftey net for your ethnic group.
As for the suggestion that you purchase whole existence, don't. Whole life or all-inclusive life should be used for requests that are perminate. If you young probability are your going to need a massive sum. Term will provide that for you at an affordable cost.
Shop around for term rates, in attendance are several companies that offer great rates. I would suggest West Coast Life, Protective Life or Lincoln National Life
Hope this help.
endowment policy- jeevan anand is the best policy
Before going ahead - Why life Insurance?
Life insurance help the family surrounded by case of ill-fated death of a bread earner surrounded by the family.
Insurance for Working couple
Insurance policy for a working couple can back them in lots aspects of life. if husband & wife are insured they can arrange a upright corpus for there infirm age/pension.
You have obedient chance of getting Loans contained by case of tough days.
I can provide you more details if you provide me some basic information
-- No Obligation to buy insurance from me
Queries in connection with lic's money plus policy?
Question:
One of the lic agents told me the following details about money plus policy. Pay 1lakh as premium for 3 years and after 20 years I'll procure 30 lakhs as return. Is it true? Does anyone have any perception and it is also told to me that the policy is going to close in a week or 2. Please relay me if any of you have view on this
Answer:
ya.. it is true... and query contained by LIC office not surrounded by RunEye.com
it is not true,bcoz money plus plan is a ulip plan.in tis plan investments r subject to marketplace risks.we cant predict the maturity amt.
Dear friend
I am a LIC agent too
Money Plus is a Unit Linked Insurance Plan
Your money get invested into Share markets. So, the growth of your money totally depends on the marketplace conditions. Presently, LIC's Jeevan Plus is growing at a whopping rate of 42% per annum. However, Future Plus is growing at 30% and Market Plus at 25%. Money Plus is a new plan which have come recently. It have just started performing. If we assume that this plan will give up a growth of 20% per annum, you can get 30 lacs at the winding up of 20 years.
But everything depends on the market conditions.
Nextly, you are in truth required to pay the premium for 20 years. However, within this policy, there is a provision that, you can retribution it for 3 years. From the 4th year, your units within the account will be sold and current units will be repurchased. Thus, nearby is no need for you to if truth be told pay anything from the pocket.
Please do contact me for any details that you involve. I can give you some exciting offer too
Dear Lasya
Money Plus is LIC's Unit linked insurance policy. Unit allied policy investments or invested in money market and money markets are risk involved. Past recital is not guaranteed on future rite. however If you need alternative thinking and best suggestions you may contact pnkmurthy@yahoo.com
What will insurance cover if my vehicle be stolen?
Question:
My vehicle was stolen and, happily, recovered the next daylight. However, the keys (nor the thief) be not found. The vehicle had to be towed from campus to the police station, later I had to hold new key made for the car. I follow that I made the mistake of leaving the key inside the car and I hold accepted the consequences.
However, I be wondering
1. If my insurance would reimburse the cost of the towing ($65) and the cost of having the key made ($95)? I have both receipts.
2. I take in there are different coverages for insurance policies, so if any would cover these costs, which type of coverage would I entail?
Any information would be greatly appreciated.
Answer:
Well you'll have a problem within that you likely enjoy a deductible on your comprehensive coverage (which covers claims arising from stolen vehicles). In most cases, its several hundred dollars so even if you did file your claim, if it be for only $160, if it be within your deductible, next you won't get anything anyway.
Plus, within my state, the law is such that if you've moved out your keys within the car, they can't charge the attacker with auto embezzlement, so here you car wasn't technically stolen, only just borrowed without your permisssionand consequently the insurance wouldn't pay anyway.
It depends on your insurance policy.
Even if you enjoy full coverage, they may or they may not.
Just give them a ring and ask them. They will tell you yes or no.
For that low a cost I would not even turn through the insurance company for re-imbursement. It is probably under your deductable anyways and would still come out of your pocket.
You requirement a policy that covers incidental expenses, otherwise you must argue the costs were usual and basic. Before getting adversarial ask politely. Some companies try to treat all their righteous customers well, going beyond the policy when the amount is small. I even have an agent add the cost of a bugular alarm to my settlent so I wouldn't hold the problem again. I stayed with that company 25 years.
If your vehicle have the coverage called "comprehensive" or "theft" or "ftcac", it will cover the tow, and any trash done to the vehicle by the thieves, AFTER your deductible is salaried. It would also pay for a rental for up to 30 days, but that coverage doesn't see in until your sports car is missing for 48 hours.
If you have "towing", that will also income towards the towing bill, if there isn't any mischief to your car.
The key aren't covered, sorry. BUT, if this guy knows where on earth you live, and has the key, I'd invest in a steering controls locking bar IMMEDIATELY, or he can hold coming back whenever he requirements.
it would if you pay the rental and tow coverage - the key you are on your own unless your deductable is less than hundred dollars
If you enjoy towing coverage on your policy it will cover up to the limit timetabled on your policy even if under your circumstances. Now the key I think may one and only be covered under the comprehensive or except collision coverage and be subject to your deductible unless their is some type of deductible waiver for certain instances. So I would recommend you appointment your agent and ask the question but net sure to tell them you don't want to turn contained by a claim until you are sure it would be covered.
Theft is covered under "Comprehensive" insurance, which is flexible in adjectives states. They would probably cover the towing, but not the second set of keys. However, if you did hold the coverage, you probably had a deductable, which is what you hold to pay out of pocket past you can collect from the company. It can be anywhere from $200-$1000. Chances are, if you are a college student trying to make ends-meet, you decline this coverage.
It is a good one to hold, with a $500 to cover any expenses related to stealing or certain other losses (i.e. vandalism or fire) and you should consider adding up comprehesive and collision coverage to your policy if you can afford it.
---
On a side note, don't start out the keys contained by the car again. If the human being who took the car get into accidents next to it, you would be liable as the owner of the car. In several states, leaving the key in the vehicle is alike as giving permissive use to anyone to drive the car. I've see claims where family will leave their key in the vehicle for a few seconds at a gas pump or running into seize a pizza and the car get stolen and they are considered at fault for anything that happen through vicarious liability.
call your insurance company and ask them, that's what they are within for
this would fall beneath the comprehensive coverage and you probably have a deductible to reward
don't ask the insurance company , and check car price beside sales agent
Where Can i Get Non-Owner's Insurance surrounded by Austin, Texas?
Question:
Answer:
Any independent insurance agency will be able to aid you. Just look in the pallid pages
From an Insurance company.
This would be, a name non-owner auto policy? You'll have to hail as in a MAJOR favor from the guy that writes your homeowners insurance, or who writes your parents' insurance. Offer to hold them out to lunch if they write it, or at least bring a dozen donuts into the bureau with you.
They'll wrapping up up getting it through the Texas Assigned Risk Plan. It's a pain within the neck to write, costs more to write than the agent make on commission, and frequently doesn't cover a client the way they want it to, so if you return with on the phone and call agents cold out of the phone book, they'll only just say no - because it's too much hassle to lose money at it.
You mentioned Texas surrounded by your question so here is the Texas Department of Insurance's definition of a non-owner policy - it is insurance coverage that offer liability, uninsured motorist, and medical payments to a named insured who does not own a vehicle
Non-owner policies are not available within all states. If you want to find out if your state allows for it contact an insurance company to see if it is quoted within your state or your state's insurance regulator.
The TX Insurance Commissioner's information sheet on the pros and cons of non-owners insurance states that named non-owner coverage is other in excess of the liability coverage bought by the owner of the vehicle being driven. This routine if you have an luck, the vehicle owner’s liability insurance pays first, up to the limits of his or her policy. The non-owner coverage comes into play single if the cost of injuries and/or property damage go over the limits of the vehicle owner’s liability policy.
This may differ contained by other States but in common the owner of the vehicle's insurance is primary and the driver's insurance, non-owners or other type of policy, is secondary or excess concerning third party reduce to rubble or liability.
If you own a vehicle then you typically cannot obtain a non-owners policy. In reality we are unaware of any insurance haulier that allows you to purchase a non-owners policy in a state that the name insured is a vehicle owner. A non-owners policy can be helpful for a soul that does not own a car but frequently rents cars, regularly borrows cars from friends or when driving an employer furnished vehicle.
yuck.. you are going to owe someone your first born. Go to your insurance agent.. Beg, if critical.. They make practically nought on these policies.. A stand alone non-owned auto policy.
I'm not sure about Texas, but within California we can endorse NOA onto our auto policies hmmm worth a give somebody the third degree??
A stand alone policy is nasty... lots of work... little earnings.. be prepared to name a kid after your agent... lol
If a being have enthusiasm insurance and commits suicide, do they collect the policy?
Question:
Just Curious
Answer:
Usually, during the first 2 years of a life insurance contract, if the insured commits suicide, the insurance company just has to return the premiums plus interest rewarded by the insured. After this two year period, suicide become a covered risk.
Some companies offer a total exclusion to suicide. If the insured take their own life in a specified period of time after buying a policy, the vivacity insurance company will not pay a benefit. Usually the provision is forceful for the first two years after the policy effective date, but contained by some cases is a total exlusion. Specific provisions may vary, check the talking in the policy.
Try getting an instant quote below. Policies start at as little as $3 per month.
Life Quotes: http://www.insureme.com/landing.aspx?ref...
Take vigilance,
Ron @ InsureMe
most life insurance policies own a clause for a year or two wait. but the creature that commit suicide would never collect on the policy because they are dead - the benificiaries would
No.
In writ for life insurance policies to gain paid the entity cannot take their own natural life and if they die in a sports car crash they usually have to hold been wearing their seatbelt. There are stipulations next to each policy you will hold to read yours to see what applies.
no not in most cases but when you stop and have an idea that about it the personage that has the policy does not collect any
Most insurance policies have exclusionary clauses that include suicide, characterization that if the insured commits suicide, then the beneficiaries do not collect.
Other exclusions largely include acts of time of war and God, natural disasters, failing to disclose the diagnosis of terminal bad health at the time the policy was underwritten, and loss resulting from dangerous goings-on that were not disclosed. (i.e., the insured be an avid parachuter or rock climber, but never disclosed that fact on the energy insurance application.)
Suicide is an exclusion common to most vivacity insurance policies.
However, there is a Contestability Clause that states after two years the insurance company cannot contest the policy.
They must settle out for the suicide if it occurs after two years from the date the duration insurance policy was issued.
In some states the suicide exclusion lone applies for one year - like surrounded by the State of Colorado.
I hope that helps. Good luck to you.
Yes, the beneficiaries will know how to collect if the policy has be in force for 1-2 years. The number of years within force is going to depend on the company and also the state you are located in.
depends on the policy. read it. probably no coverage for self termination within most policies.
Well since they are dead, no technically they don't collect the policy.
I regard you are really asking does life insurance pay cheque out when the policyholder commits suicide.
The answer is yes, it will pay out for suicide but individual after two years have elapsed since the policy be taken out.
If the suicide occurs inwardly the first two years of the policy period, it will NOT payout.
In most vivacity insurance policies, if a person commits suicide inside the first 2 years, all premiums will be refund to the beneficiary. After 2 years, the insurance company will pay out the demise benefit, regardless on how the person dies.
Does anyone know how to dosh a check payable to someone's estate?
Question:
My grandfather passed away and the insurance company sent out a check that says payable to the estate of, how have the right to cash and how?
Answer:
Who is the executor of his estate? The executor of the estate would want to open a wall account call, Estate of John Doe. Money could then be deposited into the estate portrayal, which any remaining bills he had would call for to be paid out of. The executor would inevitability to sell any remaining property he have and deposit the proceeds into the estate account.
If he have a will, you need to open out probate with the courts and the executor wants to show that all bills hold been settled previously probate can be closed and any heirs would next receive whatever is disappeared from the Estate bank side. If he didn't have a will, you still necessitate to open probate and the courts will wish who inherits his estate. If he had a living trust, you call for to talk to the trustee.
If your Grandfather have a will, then the designated executor can brass the check. If the estate is being probated, you will necessitate to check with the probate court first.
usually if you guard it first into your bank reason, and then dawdle the usual 3-10 days working days, it should automatically go through for you so as you can draw on it.
right to dosh the check is with whoever he have established as recipient responsible for handling any assets disappeared behind. Including bills and settlements
The executor of the estate have the right and duty to cash that check. They inevitability to bring a copy of the executor agreement to the bank, and/or should know how to deposit it in your grandfather's story.
What is the best medical insurance company?
Question:
i'm going to get personal insurance for myself since my opening doesn't hav benefits, whats the best company to go near?
Answer:
blue cross blue shield, maybe aetna
depends on too if you enjoy an hmo or a ppo
I wish I have Blue Cross.
Sorry but there adjectives crooks, just roll the dice and hope for the best.
If you live contained by Western MA, Health New England.
Blue Cross, Humana, Aetna, Golden Rule, Mutual of Omaha, Bankers Life & Casualty, Physicians Mutual, Kaiser, ...
Depends on where you live Try Blue Cross or Cigna.
you own to compare
Will difficulty mail take-home pay after reaching the minimum payout?
Question:
the url is danger-mails.com
Answer:
Ya know, this is sounding more and more like a website to install spam, spyware, or a callous virus.