What is the difference between a bailee insurance and inland transit insurance?
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bailee insurance is a form of "inland marine" insurance. that is the entrusting of your property to another for service. or you could be the bailee and a pious example is a dry cleaners. you send your clothes to a dry cleaners to be cleaned. at that point a "bailment" is created and the dry cleaners become the "bailee".
in property insurance in that is an exclusion that denies coverage for property in the attention to detail, custody and control of another person. in consequence, bailee coverage was created to provide coverage for your property when it is surrounded by the hands of a bailee...so if a loss occur while the dry cleaners has your clothes next the dry cleaners policy provides coverage for your damaged clothes
Bailee coverage is when you enjoy care, custody & control of someone's stuff, and it pays the other personage for their stuff.
Inland transit, which CAN cover someone else's stuff, pays YOU. It's basically third celebration coverage vs. first party coverage.
Which one you stipulation depends on the type of business, and the type of "stuff".
more details
Anyone know any companies within singapore that offer courses for those who requests to be insurance agents?
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can list as tons companies as possible?
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go to prudential.
it is other actively recruiting strange pple
can i find details of an insurance payout from a plane crash ?
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Accident was surrounded by 1998 here in the philippines where on earth i am , the PRU wrote the policy ( i have adjectives details ) and i believe it was underwritten by Lloyds of London , 98 limp i have full details iam trying to right a wrong here folks , iam not a legal representative but please any help , aid recommend would be greatly appreciated . Is the info in the public domain ? The coverage be $300 million . Please please please any help at adjectives !! So many appreciation , regards CRAIG
Answer:
these store are not availed in any public or private domain, u requirement to contact the airlines company which that person get crashed in and they will know which insurance company settled the claims and u find the claim from them...best of luck
Settlements are typically not public record
I Need Free online personal ad solutions .?
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I am an insurance agent . i need sites offering free trailer solutions
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i advertise guitar repair on myspace. i find musicians and post messages on ther page and all their friends page. i get tons of business rotten of there.
bring in on the network part and below par bet you come up with something.
also try doing a force out for your city name and look for any type of city forum, and free classified type things. i live within houston so we obviously enjoy plenty of that kind of stuff.
i find kijiji a great place to peddle, it optimises the link so it is shown on rummage results, do check it out on kijiji.in for india
close-fisted while if you are interested in selling real estate, properties within hyderabad or any other city in India you can check out http://www.realtyexchange.surrounded by
my liability insurance will assistance me some right ? and how ?
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It will help you by defending you and paying for a loss you are liable for up to your policy precincts. However, you cannot be liable to yourself, so you cannot benefit monetarily from liability insurance.
no: liability insurance is used for reimbursement for when you do damage to someone else.
nope you will procure zero. It simply helps the personage that say you hit contained by a car disaster.
Most of the time, it will pay for the advocate to defend you surrounded by court, if you get sued. It will also payment, up to the policy limit, for a judgement against you. This will support keep you from getting your wages attached and leins put on your stuff.
My son be died who, will recieve his destruction insurance?
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is it better to give to his brother, to me or to my husband?but be not separated.
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If he was the owner of the policy, he would hold named a beneficiary. If he didn't it would budge to his estate. If you are taking insurance out on him, and he is a minor, then it should credible be the person who is providing for his nurture until he becomes an mature. If he named someone, that personality does not have to use the proceeds for burial or medically related expenses that the being incurred.
whoever he put as his beneficiaries...
yup..dats right..whoever he has nominated..else it wud firts be offered to his spouse..if he is not married consequently to his parents
how old be he? :(
it will probably go to parents or will be divided among the line
I hope not you. I can't beleive that money would be a concern after losing a son. You sound a bit greedy.
If your son have not left a will, next it goes to his subsequent of kin:
His wife and children, if he has any. If not, to his parents.
What you do beside it in that travel case is up to you.
Ignore the comment about it not person you. If your son had go insurance, or if you had natural life insurance on him, the proceeds will go to his beneficiary stated surrounded by the policy.
Whoever he named as his beneficiary on the policy receive the proceeds from the policy. If no beneficiary is named, it go to his estate and the courts decide who get it.
how plentiful insurance agencies are in attendance within the United States?
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If you really would like an answer to this interview, I'd check with the National Association of Insurance Commissioners at their website: naic.org. If you contact them, they can possible give you a immediate answer. If you want to research it yourself, check with the individual departments of insurance inwardly each state. They can transmit you which companies are licensed to operate within their state. The easiest path to navigate from one department of insurance to another is also found on the NAIC site: www.naic.org/state_web_map.htm
OH, hundreds of thousands, I'm sure!
Alot!!
Health and Dental insurance?
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My husband and I are in the military and we hold health insurance through them!! resourcefully we have a kid on the way she will be coming hopfully by the cessation of this week. We are getting out of the military next december. And I be wondering if anyone knew a honest health and Dental insurance. We will be moving to Wisconsin. Also Does anyone know how to look for a pious health inssurance plan? I am alien at this. I looked for quotes online already and I don't get it when it say will be covered after deductable. PLEASE HELP!
Answer:
As a former Navy enlisted man, I didn't realize how complex and expensive vigour insurance was until I get out. That was within december 1988. Now, I sell it.
Yes, it is much more complex than you can even conjure. When you look at those sites, you can get a comparison of the price, but you don't receive someone who will help you know the benefits.
When you start looking for insurance, you will have to find an insurance agent contained by WI to help you procure enrolled surrounded by a plan. Of course, if your husband had a brief waiting for him when he got out, you could guarantee coverage, if the employer offer it.
If you would like relieve understanding what you are getting yourself contained by for, feel free to contact me here and I can bequeath you some help.
Good luck next to the baby. Congratulations.
Health insurance is approaching any other kind of insurance. You reward a monthly amount, called a premium, to an insurance company contained by return for 'benefits', to be paid out as needed. Depending on the liberal of plan that you choose, those benefits might include regular doctor's office visit, checkups, emergency room services and hospitalizations, and treatment by specialists. Some health insurance plans also propose benefits that are called 'wellness benefits.' similar to discounts on health club memberships, stop-smoking classes, and nutritional consultations.
Look at this http://mybenefitsplus.com/40442861...
moral and cheap
How does the Florida Law amendment how liability is assessed base on quirk?
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Got a specific example? All liability is based on state suitcase law. However, contained by my experience, the only difference between states is whether they use comparable negligence or contributory negligence.
The previous entity is absolutely right, although within cases of auto accidents, i thought i remember reading that Florida is (or at lowest used to be) a no-fault state. which means everyone pays for their own trash, except in spot on circumstances. i think we would obligation more information to properly answer your question...
How do i find a lost go insurance policy from armour meat company around 1960 era?
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Answer:
You'll have to contact the Armour HR department. If you want to record a claim, they'll first have to check if the claimant be insured on the group life policy at the time of annihilation - most of the time, group life insurance policies simply cover active workers - not retirees.
Lots of luck.
EVER CONTACTED THE COMPANYABOUT SUCH MATTER?
What is existence insurance?
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Life insurance is suppose to be used as a protection of income. In case you die, your household is protected from devastation of substantial income loss. But, many insurance companies are selling it as an added source of income or as an investment, which is really is not. Therefore, many family who have life span insurance are underinsured because these cash plus life insurance are extraordinarily expensive.
If you are using life insurance solely for the purpose of abiding up for a goal or emergency, why aren't you investing it contained by mutual funds or put it into an IRA? If you are afraid of the stock market, consequently open a money open market account. If you are in your favour up for your kids education, next open a 529 plan. All these alternative ways are better than keeping your money surrounded by a life insurance because you never enjoy to pay it rear if you use them. As to life insurance, if you use any of the lolly value, you will hold to pay it fund with interest.
Answer:
The problem near life insurance is that population don't fully understand it, so they believe everything the duration insurance agent says.
Life insurance is suppose to be use as a protection of income, not as a tool to use for adjectives goals. Reason why several life insurance companies put on the market cash good point products is because they are more profitable than to selling term.
The problem beside cash appeal is that when you die, your beneficiary will get the demise benefit, but not the cash significance. If you live to age 98, you are no longer covered, but you get the bread value. How plentiful people do you know that in truth live to age 98? Of those people at age 98 or above, how abundant are actually sane ample to know they even had go insurance in the first place?
You are correct that investments should be kept separate from energy insurance, but the insurance agent is not going to show the client why it should be kept separate. Buying term and investing the difference is the most cost effectual thing a personage can do. Check out this blog about the cost between possession and whole enthusiasm: http://obe231.blogspot.com
When people read that blog, buying residence and investing the difference would make more sense.
Life insurance is going to relief you in your vivacity so you can live your life freely its help out you in you discouraging time, may be it don't come but evil never tell you up to that time coming
Life insurance is a straight bet with the insurance company, just about whether or not you are going to die within a sure period.
Life insurance is NOT a upright savings or investment vehicle, as you point out. Agents that provide it that way, do so because they MAKE A LOT OF MONEY past its sell-by date those products, they are NOT in the consumer's best interest. People that buy these types almost NEVER collect, because after a few years of paying exhorbitant prices, they realize they could enjoy done better buying a CD at the dune. Then they let the policies lapse. The lone one who makes out is the agent; first year commissions are usually 90%, and near bonuses can be 110%.
Life insurance DOES serve a purpose - straight term coverage, especially for family with small children.
Sure, any of those examples would be other uses for abiding money. Individuals have to look at their specific requirements. Term insurance is very popular because it is the lowest possible expensive. However, if you do not collect the proceeds at the end of the possession (in other words, die), you have essentially misspent those premium dollars. Insurance is just protection against the unknown.
If however, you enjoy the funds to buy a whole enthusiasm policy, it has other uses such as taking a loan against the bread value and the interest rate is never going to be above 8%. Where do the interest payments step? Into YOUR cash plus. Yes, if you die while paying back the loan, your release benefit is decreased by the loan amount. However, the destruction benefit is, especially in the impulsive stages of premium payments, much higher than the brass value so you still bring back a considerable amount of proceeds.
People say buy permanent status and invest the difference. If you are disciplined enough to invest the difference, shift for it. Let's say that you buy a complete life policy and find you are not competent to afford it after a while. You can convert it into a paid up permanent status policy and never pay premiums again. You can also convert it into an annuity and receive a fixed reward each month for time or longer.
As you see, whole vivacity can be used for many things but if you buy residence and don't use it, what was it honest for?
Ron Rock, ChFC
Life Insurance Policy - What Is The Difference Between Term And Whole Life Insurance?
Even though there are lots different forms of life insurance policies, essentially adjectives life insurance policies are any term insurance or undamaged life insurance, or a combination of the two.
There is also all-purpose life insurance that you can adjust the premium and the policy to the amount you give attention to you need.
Variable vivacity insurance is an option for someone who requests to have control of the financial and investing aspect of their insurance policy.
What Is A Term Life Insurance Policy?
A possession life insurance policy provides pure insurance protection for a specific spell of time, such as five years, ten, or 20 years. At the end of the residence period, the policy expires next to no accumulated dosh value, and no benefits are payable. The passing benefit is only rewarded if you die during the term time of year. Some define a permanent status insurance policy as “insurance that is actuarially designed to expire in the past you do.”
The premiums on term insurance are mostly low, but increase substantially as your age increases. For this reason , a possession life insurance policy is the most economical when purchased at a younger age and when the occupancy is longer. Short term renewable policies would initially be smaller amount expensive, but after middle age the renewal premiums initiate to jump dramatically.
For example, surrounded by an annual renewable term insurance policy next to a $100,000 death benefit, the annual premiums might look something resembling this. Remember these are just examples to show the difference of cost next to age.
$150 / year age 35
$450 / year age 50
$1,800 / year age 65
What Is A Whole Life Insurance Policy?
Whole life insurance is the most adjectives form of life insurance sold. These type of policies remain within force until you either die or arrive at age 100, as long as you pay the premium as programmed. Also known as frequent life, or enduring insurance, a whole existence insurance policy is characterized by level premiums, horizontal face amounts, guaranteed values, and a relatively high-ranking degree of sanctuary.
Whole life insurance builds a living benefit through its guaranteed currency value, enable the policy owner to access this cash for emergency, as a supplemental source of retirement income and for other needs.
A in one piece life insurance policy will include both insurance and a reserves aspect. They are often used for long residence financial planning. Many people resembling the level premiums associated beside whole life span insurance, since you always know what the cost of insurance will be and never entail to be concerned about your monthly premiums going up.
The risk factor of a unharmed life insurance policy and company is much different than it is for something close to an auto policy. When an insurance company issues an auto policy, it hopes that the policy holder will be a safe driver and will never be surrounded by an accident. When an insurance company issues a complete life insurance policy, it know it will someday be called upon to pay envelope the claim.
With online Internet access you can easily shop around and compare the various different companies and policies. Take time to get several vivacity insurance quotes and check to see how they are rated next to the BBB. It’s important to look into the financial standings of the insurance companies you are considering past you sign up for any type of life insurance policy.
You can't borrow from a 529 or and IRA minus heavy penalty. Money markets don't stay up near inflation.
Cash value time insurance is a type of insurance where the premiums charged are difficult at the beginning than they would be for alike amount of term insurance.
The portion of the premium that is impossible for the cost of insurance is invested by the company and builds up a cash convenience that may be used in assorted ways. You may borrow against a policy's cash convenience by taking a policy loan. If you don't pay put a bet on the loan and the interest on it, the amount you owe will be subtracted from the benefits when you die, or from the cash importance if you stop paying premiums and take out the remaining bread value.
You can also use your currency value to maintain insurance protection for a limited time or to buy a reduced amount short having to pay cheque more premiums. You can also use the cash utility to increase your income in retirement or to oblige pay for desires such as a child's tuition without canceling the policy. However, to build up this change value, you must settle higher premiums surrounded by the earlier years of the policy.
Ron @ InsureMe http://www.insureme.com/landing.aspx?ref...
Do any US HMOs accredit hospitals contained by Asia specifically contained by the Philippines?
Question:
I used to do customer service for a major US healthcare incurance company and I notice that there aren't any participating hospitals outside the US, especially contained by Asia. I am aware of the booming medical tourism trend going on in correct parts of Asia and as far as I know, they are not covered by US Insurance. I could be wrong, though. How far into the future do you surmise these US companies will open its doors to bring back participating providers outside US, and if there are such companies doing that very soon, which companies are these and what countries do they cover?
Answer:
Certain US insurances are accepted by hospitals surrounded by the Philippines (i.e., Blue Cross covers you at St. Lukes). No, I do not think in attendance will any US companies that will specifically go after the medical tourism marketplace because (1) usually if someone is travelling overseas for surgery, it is due to lower cost and/or a procedure not covered by insurance and (2) it would be very easier said than done to control fraud cases.
The problem is, there aren't any US controls of the fees and services contained by other countries.
So, no, they don't . . to answer your question . . . and when will it come to pass? Not until we have one world management.
Life insurance with change value don't foot out cash helpfulness when you die! They say its a righteous way to build money! How is that so if you lose it all and it doesn't shift to anyone when you die? People say you can borrow it. Why do I want to borrow my own money that I salaried for? Cash value = scam!
Which provides better condition Insurance coverage? Traditional Medical Coverage or Short-Term Medical Coverage?
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I just transitioned from a student to a worker! In arts school, my university provided insurance services to me so it was not a big contract. However now I enjoy to look for one myself. My employer says that I can select any type of plan I want and he will remuneration 50% of it, subject to a $100 per month cap.
I enjoy never fallen sick, touch wood, and hold never used insurance.
So, for a person who seldomly visit a doctor, which is better. Traditional: $ 70 per month $1500 deductible $7500 max. annual out of pocket. Roughly 30% Co-Payments an most of the services.
Short Term: $ 30 per month $500 deductible $1000 max. annual out of pocket. Roughly 30% Co-Payments an most of the services.
Traditional +s: No need to earnings in bulk, includes dental, sight and life.
Short Term +s: Low premium, deductable and Annual OOP.
Traditional -s: High Premium, deductable, Annual OOP and Co-Payments.
Short Term -s: Need to buy every 6 months, no dent. no enthusiasm.
Answer:
This is an excellent question!
In America family are purchasing "Short Term" Policies are opening themselves up to a "world of problems". You see surrounded by the United States we passed a law that enable employees be offered "Cobra" , Cobra is for your "protection". Let me pass you a couple of "What ifs"
a. I go work for ABC Corp. and call upon up a few "slick" agents who sell healthcare and they trade me a Short Term policy, sounds great!..11months into the policy the Doctor discovers a tumor in my body, and say it is Malignant- I have cancer. So I bid my short term company, and they voice well your policy ends surrounded by 30days, I ask the company can I convert to a Permanente policy, and they say "NO", because of your medical conditions.
b. Second Ex. I sign up beside my employers plan, and I am diagnosed 11months into the plan next to Cancer, and I decide to comparatively employment, I am offered Cobra!. So lets hold going, lets right to be heard I pay for Cobra for 18months (until it ends) and I am still have Chemotherapy, and thus un-insurable by health companies. Here is the Good report!..I am eligible for HIPPA coverage !.."lifesaver"..any company offering health insurance will hold to accept me into a HIPPA plan.
As you can see the with the sole purpose way a character can take a risk near a short term policy if they can "See the future".. and if your crystal orb shows you not needing any vigour services over your lifetime, then simply refuse coverage!..
Do not trust any salesperson, read articles and do your research, Paul Zane's books are pretty apposite.
just net sure the short term can be kept for as long as you want it and also that it covers you while you are surrounded by the states some short term coverage is travelers insurance
check out this medical insurance at http://www.everyonebenefits.com/40444442... hold any questions discern free to contact me
Go traditional. Short term is a moment ago for that - a short term. If you obtain sick during the short term policy, it will be a pre-exisiting condition and won't be covered by the subsequent 6 month short term policy.
How do I find the California Department Of Insurance trellis site?
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Answer:
Life insurance with lolly value don't discharge out cash efficacy when you die! They say its a biddable way to build nest egg! How is that so if you lose it all and it doesn't run to anyone when you die? People say you can borrow it. Why do I want to borrow my own money that I salaried for? Cash value = scam!
You could do a yahoo search for "California Department of Insurance". Then you'd return with this: http://www.insurance.ca.gov/
I have this info for you:
Department of Insurance
300 South Spring Street. 6th Floor
Los Angeles, CA 90013
Ph: 1-8OO-927-4357
OR
1-213-897-8921
Type surrounded by your search stick; "CA Department of Insurance", hit enter. See what you come up with. Usually the first answer is the best one. Good Luck
How difficult is it to become an insurance agent?
Question:
My boss is trying to get approved next to Metlife to become an agent for them. He is too busy to take the experiment and do all the studying. I want to ask him if I can help yourself to the test within his place. Do you think this will be official by Metlife?
Answer:
Well, if he's not licensed, they can't pay him. They are direct writers, so they'd salary YOU, not him. He probably wouldn't go for that.
However, it's not that difficult to acquire the license. Thousands of people do it respectively year. The hard piece is selling enough insurance to know how to live off the commissions.
No they will not budge for that but if you want to make money as an agent consequently you will need a great organize company to get you qualified lead that you can quote. Because the more you quote the more you sell. Go to www.guaranteedleadsinc.com they enjoy the best leads surrounded by the industry. They will make sure you win folks that are 18-69 yrs of age and they will not be with your company and they will not hold more than 1 ticket or accident within the house in the concluding 3 yrs and they guarantee that you can quote each front or they will replace it free.
No, not acceptable.
Although your intentions are honorable, by doing so you'd be helping him to mislead a company that he is trying to get to hire him. If they find out, later they will wonder what else he will try to cover up. Nothing personal, I don't know you or him. Just stating the facts. He will have to sign several agreements beside the company and if they can't trust him to take the test for himself, can they trust him to uphold his part of these extensive contracts (including federal and state compliance agreements)?
Does that gross sense? In a nutshell, by trying to help him, you'd be hurting him contained by the long run.
First, you cannot take the exam for your boss. In my state, they even ask for ID to create sure it matches the first name they have down to pinch the exam. Also, contrary to another answer you received here, MetLife is not a direct writer only. I am an independent agent, and provide MetLife products. I just wrote a bright group life rationalization with them. Advise your boss to try and be an independent agent. We own the most markets available to us, and when one company's rates seize too high, we own others we can refer our clients to.