The word Neurlogical enjoy to do next to cancel disability insurance?
Question:
Answer:
Presumably the insured person have an undisclosed neurological disorder, and when the insurance company found out about it, they cancelled the policy. Without a verb, that's the best I can do.
How do we be in motion give or take a few getting an insurance license?
Question:
The company that I work for is interesting in acquire an insurance license in the state of illinois. How do we be in motion about doing that?
Answer:
Retired insurance agent here.Godzillas is correct!! Contact the state insurance commissioner's organization on line to determine the license requirements.
Try this link. it is unbelievably comprehansive if your question is not answered dispatch them an email or give thme a christen
http://www.idfpr.com/doi/default2.asp...
Join Primerica Financial Services. They pay give or take a few 80% of the insurance license cost up front. The best deal surrounded by town.
Sorry Brian C you keep pushing Priimerica, no offense but i own crushed your agents time and time again. All you guys do is push one lousy term policy which i own beaten on price every time. A better track is to "shop" it out. you only trade the citigroup sponsored plan, i know primerica they tried to recruit me a million times. the payout to the agents be a joke. look to stir independent, youll be better off.
Your company requirements to call the dept of bank and insurance in your state. Be more specific.
$30 co-pay for annual physical is tripled by $30 fore respectively evaluation?
Question:
My AETNA health insurance list 100% coverage for preventative care. I rewarded my $30 office stop by, was weigh, blood pressure, peed in a cup, and give 2 vials of blood. A month later, I recieve a $30 bill for the uninalysis, and two months following, a $30 bill for the blood work.
So, I'm paying $90 for this physical. Is this the typical insurance coverage?
Are these billing practices typical? It was adjectives done in one department, on one floor, with one doctor. If they distribute the specimens to a secondary bureau, why do I have to retribution separate "office visit" deductibles when I didn't even stir anywhere? The "report" came rear from the Dr. office, not from these separate clinics.
All surrounded by all, the total cost of my physical is smaller number than 50% covered, which doesn't even make up for the monthly insurance payments.
Answer:
There are several reason that this could have happen. The first comes from knowing what is covered by your preventive care co-pay. If the copay is for the physical itself, later the labs, no matter who the provider is - even indistinguishable doctor - may be covered under separate copays. This is not typically the casing, however, none of us here know exactly what your coverage is. Aetna has lots different policies in respectively state.
The second is that the tests be improperly coded as cog of your annual preventive exam. In either satchel, you should have received an Explanation of Benefits (EOB) from Aetna explaining the charges. If you disagree near these charges, verify the information in your Outline of Coverage (available contained by your HR department) and if you still disagree, file an appeal.
By the approach, the premium you pay is not lately so you can get an annual physical. I'm sure that within are copayments for sick visits, ER visit, Rx, and hospitalization. You are paying so that the insurer will pick up the cost of these services, excluding your contracted co-pays. It's all roughly speaking risk.
The bills you received were probably from the lab. Your co-pay is for the doctors call in. He does the tests and sends your urinalysis and blood work out to a lab for analysis. Lab work is almost other billed separately unless your doctor has a lab in attendance in is bureau, and even then, he would bill separately for the lab work. Your co-pay is for the organization visit individual, not the lab work.
Yes, this is common billing practice.
All plans are not created equal. Yours features a copay for every oral exam, others include the tests. Still others extend a dollar amount per year for an annual, like $150 which may not cover it adjectives.
Faye H is exactly right.
Furthermore, I'm surprised that your bill for the lab work was just an extra $60. These things typically run much more than that.
For instance, the last time I have lab work done, my portion of the bill was $381.
Health insurance is certainly designed to prevent you from total financial devastation if you were to enjoy a serious medical problem costings thousands (or millions) of dollars. It's not suppose to be discounted health attention, although that's usually what most people consider it to be.
It's only just worth paying the premiums for things like physicals and running to the doctor for every sprain and sniffle. It's not suppose to be. You're missing the point. It's designed to preserve you from having to database bankruptcy to procure out from under a $600,000 hospital bill (not to mention the superfluous $145,000 bill from the doctors and the $3,500 bill from the anesthesiologist) if you had to hold open heart surgery. Do you want to lose everything you hold because you got sick? That's the point of strength insurance.
Lab work is seperate from office visit, including preventative. So you have two copays - perchance - one for labwork, one for the doctor visit.
You'll obligation to check your benefits - it COULD be a billing error, if all labwork is covered. Or it could be that you enjoy a $30 per test copay.
Can I put natural life insurance on a senior aunt that lost mobility surrounded by her hand short her signature?
Question:
We will need this insurance to earnings for her funeral in perchance the next 5-10 yrs.
Answer:
Yes, assuming she's insurable pursuant to the insurer's underwrite guidelines. However, in writ to sign for her, you must have a court-appointed Power of Attorney.
i suspect this is notably illegal. you do not want to go and get caught up within insurance fraud. if the aunt wishes to sign the doc, and is in nouns mind and body, then travel to a notary to get it signed. it's better to be out of danger than sorry. insurance companies are out to make money. if they sniff out any potential fraud, you could be paying on a policy you could never benefit from. apt luck!
You can take out go insurance policies on anybody you want, without their understanding. If you take one out on George W. Bush, you will hold to worry something like the secret police finding out and watching you.
yes, as long that you are the beneficiaries for the intact insurance policies. Meanwhile, if really need a signature from your aunt but she have lost the mobility, you may required the insurance agent to personally withness, statement of interest under commission for oath if not thumb print together with myKAD
First piece first, is there anything wrong near her mind? If not let her oblige you decide more or less health insurance. If she would similar to she can appoint you or whomever she wants to be her hand for her.
Yes, as long as she is not over 75. Go to AIG Assurance or a similar insurer like Penn Life and purchase senior insurance next to no medical or other health question.
You can buy a life insurance poilcy on anyone as long as you are paying the premium, and I am guessing that you are going to be looking a amazingly high preimum anyways, I would newly call and find out what you are looking at and ask adjectives of these questions to your insurance agent!
It is amazing that ancestors try to answer questions short having a clue as to what they are conversation about. You CAN NOT give somebody a lift out life insurance on anyone you want to. You must hold insurable interest in instruct to purchase insurance on someone. You do have that near your Aunt and can purchase a policy. I have written insurance on inhabitants who could not write. Generally it requires them to make a splodge on the application and have it witnessed by two empire. Call a local agent and they will be glad to help you take the insurance you need.
Nope, however she pays the rest of her bills, that's how you bring her to sign the application. If she has a power of attorney, THEY can sign it, next to a copy of the POA form.
In order to achieve a life insurance policy on anyone, you must own an interest in their existence (you are related, that counts) You must have assent of the person you are obtain the insurance on, thus the need for a signature. If she cannot sign, the stain must be witnessed by a notary.
However, if she has no mobility contained by her hands, it may not be possible to find insurance on her, depending on the specific situation. If she has neuropathy due to diabetes, she will be a decline near any company, so it depends upon her health.
Life insurance must be purchased back the need is coming. You can understand why a homeowner's insurance would not issue a policy beside the roof on fire, like is true of life insurance. If the person's "roof is on fire", the duration insurance company will decline issue of the policy.
Pay to the decree of.john doe & john doe. individually and as husband an wife. wath does it be set to?
Question:
Answer:
Sounds like the proceeds check from the public sale of real estate. "Husband and wife" contained by a property deed scheme a tenancy by the entireties which is a special type of unified ownership: if one spouse dies, the title automatically vests entirely in the surviving spouse.
A check made out to John & Jane Doe, however, requires both signatures for negotiation. Only if the check said "John OR Jane Doe" would one signature be enough.
Essentially, this check needs two signatures to be cashed.
It vehicle that either entity can cash the check , or it can shift to a joint report.
That is how we would write the checks on injury settlements to married couples. That way the spouse can't come spinal column and say they be not aware of the settlement or have a separate claim for their spouses injury.
The check is written that style so that both spouses have to sign it or it have to go into a collective account. On an injury settlement from an insurance company, john get hurt. He agrees to settle his claim for xxx. Mrs. Doe did not present any claim, but in actuality may have the right for loss of consortium.( Her claim is eliminate because she signs the check and therefore know about the settlement)
boob opening, can you draw from insurance incase something go wrong?
Question:
Answer:
if you want life collateral you have to check more info
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If something goes wrong it should be the doctor's malpractice insurance that responds.
no
it have to be a medical problem before it can be covered.
I'm a RN and it's a cosmetic item and not a medical thing.
I would hold to look first, before I can answer.
Wrong as within... mismatched sizes? A Tara Reid job? Or a energy threatening / life altering mistake by your surgeon?
Most doctors fetch malpractice insurance. If your doctor commits an act or omit doing something (either resulting in injury) which deviates from standard standards of practice in the medical community, he/she is liable and may be sued.
No Not earlier hand. If its a procedure to enhance of your own choice and is not a Absolute Medical Need than you are going contained by at your own risk. If something goes wrong by the surgeon later you file for malpractice and the doctor's insurance that he carry will cover it.
Are you talking something along the lines of travel insurance? I don't know if you can or not, but as others own noted, all doctors fetch malpractice to cover their *** in baggage of a screwup (what's really obscene is their annual premiums are more than the cost of a decent alien car).
Do you mean, can you insure yourself against culmination up looking like you hold a pair of immobile, rock-hard pink footballs stuck to your chest? Can you insure yourself against someone looking at you and proverb "Christ almighty, what a fake duet of norks!"? Can you insure yourself against people thinking you are self-obsessed, shallow bimbo who have spent a couple of grand pandering to the role-play that having bigger t i t s make you a more attractive person? No, you can't do that.
probably not - it's elective surgery, and "something go wrong" just ability that you're unhappy next to the results. Many women who get boob job, ARE unhappy next to the results - because it doesn't fix the underlying issues, of not being in good spirits in your own skin.
If the doctor messes up, he have malpractice insurance - but he has to mess up, and you hold to sue him.
yes usually guareteed 12 months go to reputable surgeon
Denise is right. NO insurance policy will cover ANYTHING to do cosmetically.
If something go wrong, it falls under the doctor's malpractice insurance.
Call a couple of insurance companies if you don't believe me.
you can insure when it's done
My Father have died I know he have some insurance but can not find the weekly work how can I find out any Policy?
Question:
How to find if a person have an insurance policy and which company it would be with, minus any paperwork? Would there be a poke about database for all the companies which could be made next to the correct details or any other method of search to find this out.
Answer:
Ask any insurance companies that you regard might have have him insured. . .
If you have no paperwork it would be enormously very thorny for you to prove he had any insurance, even if you do find out he did you'll own difficulty in making a claim!
No, there's nothing database. If you can't find any paperwork, you could check with his attorney, or you can jump to his bank near a copy of the executor agreement to show you have the authority, and dance through years and years of checking statements, to see which insurance company he's been paying for the policy.
Insurance policies are private transactions - so the merely people the insurance companies will communicate next to are the owners of the policies, and the appointed executors.
Have the executor of your fathers estate contact his insurance agent. They may know of the policy or can do a rummage through for it. The agent may also have other planning to trace the policy.
Your fathers Bank archives should also show the premium payments and who they were made to. The ridge will provide the information to the executor.
Difficult by not impossible.
Go find an insurance agent and tell him the details.It may pinch some digging, but it can be done.
Also, yourstate unclaimed property dept may be able to give support to.
Of course, ANYTHING about the policy would relieve, name ofc, policy $, agent etc. c
Dig thru ancient, cancelled checks. You might find one made out to a paricular company.
Good luck.
i think that if you no the company it be with they should be capable of help you out or if he have a solicitor you can try it that way
Can a company justifiably debris to end your medical plan when you want it cancelled?
Question:
A young mother of 2 children, going through a divorce signed up for medical through her contract house. She have a low paying job, and they are charging her $125.00 a week. They enjoy only taken 1 giving so far and she won't be officially covered for 30 days. She contracted to cancel this insurance after the 1st week; and her contract house said "NO". Is this allowed??
Answer:
Potentially...yes.
If she signed a contract that states she is buying coverage for a set term and you are within the middle of that term, after you have to fulfill it, so the company afterwards would have the right to shun to cancel the policy.
One caveatthere may be a state imperative in your state that allows consumers to go and get the policy cancelled as a consumer protection measure. My state does not hold this, but it may be in place contained by other states.
If you continue to be concerned, you can contact your state's organization of the Insurance Commissioner and ask for the consumer protection division. They might be able to backing you get out of the contract.
Depends on what the contract say. Perhaps she'll have to claim bankruptcy. Maybe she should read documents supportively before signing them.
It adjectives depends on what her contract stipulates as the period of time for the contract. If you signed up for a 1 year pollocy and you signed a contract which oblogates you to salary a certain amount respectively month then no. Now if its something set up through a group insurance polocy you enjoy to go to the holder of the polocy, usually the employer, and sign papers stating your refuse insurance and that you are not going to pay for it. If its a private polocy short a tearm of service agreement then they would hold to cancel the polocy upon request at the train of the period which have been salaried for, they are under no oblogation to reimbers anything compensated in already, but they must reconise the contract until that transaction have expired. Many insurance carriers may also own a fee tack on, which is not unlike that of cellphone providers, which require the holder to pay a payment for early cancilation of the polocy, but they would own to offer this to you if its avalible, they freshly can't deny it outright. The best option within this case is to find the exact agreement beside this insurance plan and find out if it is cancelable, if it is and whomever is incharge refuses to overthrow it the person should contact the local organization agancy in charge of that group, be it the employer or insurance company. Unless the decree stipulates that insurance is required there is no style to force insurance on somebody, they have to supply an opt-out option.
Does she hold the actual policy in her hand yet? All individual (i.e. non-group) vigour insurance contracts issued in the U.S. MUST enjoy what's known as a "free look" length. During this time, a person can review the contract and, if it's insufficient for their desires or if they don't want it anymore, they can cancel and receive adjectives their money back. The invalidation must occur during the "free look" extent, or the premium is considered "earned" by the Company. The duration of the "free look" period will be printed on one of the totally first pages of the policy. If she hasn't received the policy nonetheless, her "free look" period hasn't begin yet and she can repeal, expecting a full refund.
If the broker (I assume this is what you designed by "contract house") won't let her go against, she should call the insurance company directly. Another upright source of information (and assistance, if needed) is her state's insurance commissioner' office. She can hand over the commissioner's office a phone up and speak with an investigator or Consumer Affairs officer. She may hold other legal rights and/or obligation in her state, so this route is recommended.
I hope this helps.
I hold no idea what a "contract house" is - if it's an agent, or an employer.
But yes, most of the time your policy have to be cancelled in 30 time increments, unless you've replaced it with ANOTHER policy, within which case, they can call off it on the day the NEW policy go into effect.
if she has put her mark in the botted queue then she have to take it until it ends. I'm so sorry to read out it but yes it's legal and she can't verbs out yet, after in the order of three months or so then perchance she can but, till then she might necessitate to see a lawyer roughly speaking it.
hope you have a great sunshine!
I am trying to settle on beteen 2 inss. from AARP one is Medicare supplement and the other is comprehensive it it
Question:
which do you think I should filch? The agent said medicare suplament will pay the most.the first ins simply pys docs times a year.
Answer:
Hoo boy, there's a "knowledgeable" agent...
AARP offers adjectives the plans and agents love to bash them because they DON'T PAY COMMISSIONS. And since commissiona re part of premium, guess who wind up paying them? You do!
Medicare HMOs or Medicare Advantage has be around for many years... it's nil recent. It either have high premiums or giant copayments - it's great coverage as long as you don't get sick, when you'll probably pay cheque hundreds of dollars out of pocket for any hospital stay, and $20 or so for each doctor call in. Oh, and the companies that sell them - PAY BIG COMMISSIONS. And the democrats are looking to cut federal payments to fund Medicare Advantage Plans contained by the next couple of years... connotation the premiums are going WAY UP.
Whatever you choose, make sure you enroll contained by a Part D drug plan. You can get one any with a Medicare Supplement Plan (separately) or beside a Medicare Advantage Plan (call MA-PD). Even a rock-bottom drug plan is much better than nothing.
If you are enrol in Medicare parts A and B, I would reckon the Medicare Supplement plan would be best for you. The standard plan designs are tailored to fill the gap of Medicare. The biggest gap is within hospitalization. I would make sure that whichever plan you choose, it covers this deductible and coinsurance.
I enjoy yet to see the power to paying for a supplement if there is an HMO available.
Nowadays, we own the Medicare Advantage plans which are a hybrid between the supp and HMO. There is no premium and it covers everything with with the sole purpose a copay, including Part D drug plan. This plan utilizes the entire medicare-provider network. If the provider accept medicare, they can accept this plan. They are remunerated the same and sometimes better.
These plans hold just started to cross the country after years of carrying out tests with Medicare.
Medicare --and question about Medicare plans these days--can be confusing! Although supplemental coverage for Medicare is standardized through out the nation, figure out the best one for you can still be a challenge. Getting the best supplemental coverage and/or a a Medicare Part D plan, for example, depends on several factor, including what kinds of prescription drugs you pilfer, what kind of plan you are prepared to accept, and whether the plan you want will money for the specific prescription drugs you need.
If you want to converse to "real people"--who aren't selling anything, I would notably recommend that you connect with your local Area Agency on Aging. These groups are one of the best kept secret around for older Americans and their family who are seeking information on Medicare and other kinds of consumer question. There is one where you live, since this is a national network--and, close to I said, they aren't selling anything! The staff there will drop by with you and guide you to information you stipulation to answer your question. Since they cooperate with seniors every day--and answer lots of questions--they will know the "scoop" on the supplemental and Medicare Part D plans available where on earth you live. They will be able to abet you compare the pros and the cons of the plans you have identified as option and suggest other information to check out before you "sign on the dotted dash."
You can call toll-free 1-8OO-677-1116 to find how to contact the Area Agency serving you.
If you do contact your local Area Agency on Aging and resembling the help that they furnish you, let your local county official and your folks in Congress know, too. Area Agencies on Aging don't hold big budgets--their funding comes from the Older Americans Act. Your voluntary financial contribution of any amount--which is not required to get the abet you need to answer this question--would undeniably be appreciated.
Hope this helps! Good luck and best wishes!
Look at your Medicare and You 2007 booklet. It have the answers you need. Consider a Medicare Advantage company that doesn't charge premiums. Your supplements cost money.
Go near the Medicare supplement. Anything that Medicare pays on the AARP medicare supplement will pay the symmetry. HMOs sound suitable, but never turn out so good surrounded by the long run...If you ever need a skilled nursing facility, you will be comfortable you chose the supplement. Coverage is much better because you can utilize your full Medicare benefit.
RUN from anything but a medicare supplement. I have see MANY seniors with a "cheap" medicare condition plan that doesn't pay ably when they need it. It is worth the extra money to bring back the supplement. You will pay smaller number over time..
Good luck!
Borrowing money from Whole Life Policy ?
Question:
I have a intact life policcy for 25 years, my currency value is built up to $300,000, and my total annihilation benefit is around 1 million. I want to borrow money from the bank, from the total disappearance benefit instead of cash pro because I can borrow more money with the total extermination benefit. Does anyone know if I can do that with any guard? Just like a Home Equatiy Loan, the ridge will hold my policy and I have to settle the interest that I borrowed. Does anyone have any experience on that?If you do, please explain to me what you did. thank you
Answer:
First of adjectives you should not be owning a life insurance policy individually. At your demise this death benefit will be slice of your estate. If the policy is owned by an irrevocable trust the death benefit would not be factor of your estate and your family could release a lot of charge dollars. However if the policy were owned properly you would not know how to borrow money against it.
I would doubt that a bank will lend any more than the brass value since they don't know when you will die and they won't be of a mind to wait for their money if you defaulting on the loan. They will look to take the lolly value to assuage your debt to them.
With that why don't you look to borrow from the policy. Policy loans usually carry a favorable interest rate, you clear the interest to your policy and the death benefit stays near your heirs.
dang you get a lot of money but i surmise you can talk to the ridge and work somthing out
You can do much better than what you will get from a wall.
There is a whole controversial industry out in that called 'investor owned' or 'stranger owned' vivacity insurance.
It's an industry that capatilizes on people surrounded by just your situation.
Since it is a pretty sure bet that you are going to die and enjoy a $1-million payout someday.there are investors who will look at your age and will be ready to cash you out.within other words have you alteration the beneficiary to them for a set amount of money.
This happens adjectives the time.
There was a really angelic article in the New York Times this week nearly this and the controversy surrounding it. (It really helps out some insurance customers who really entail the cashbut it really, really messes up the actuarial tables used to multiply how much you should have be paying in premiums).
Do a touch more searching for these arrangements and you will indubitably find somebody willing to abet you out. Just make sure you carry a high adequate price for a policy that as long as the premiums get rewarded.will be guaranteed to pay out.
You can't borrow from the "loss benefit". You can only borrow from the "bread value". Because if you don't pay the money support, AND you don't die, they can't collect otherwise.
Actually, your life insurance company should agree to you borrow against the cash helpfulness (lol, your own money, they're letting you borrow! and you have to retribution INTEREST to them to borrow your own money! I find this amusing.)
you should be able to borrow a portion of the brass value, but usually the insurance company won't allow the total currency value to be borrowed against so that in attendance is sufficient value for the policy to run sour of (monthly cost of insurance, expense fees, etc). you have the substitute of paying back the loan, but any loan go together at death will be deduct from the death benefit. contained by addition, interest will be charged respectively year there is an outstanding loan stability.
if you go to your wall and take out a loan, they may require that you inventory them on the policy as a collateral assignee. this allows them to collect what is owed on your loan at death, beside the remaining portion paid to your beneficiary. its foolish that they be listed as beneficiary because they will receive the full annihilation benefit no matter how much you took the loan out for.
Can you form clothed money working as a public adjuster?
Question:
If you have worked as a public adjuster, consent to me know if you liked it. Does the public adjust firm give plenty claims to make clad money, if yes, how much?
Answer:
NO they really don't. I work with a gal who not here the company after 30 years to start her own company as a public adjuster...she came pay for in December. All the public adjusters I know and work beside hate it and they're not respected contained by the industry.
i recently (1.5 ago year) get my all lines insurance adjust license (takes 2.5 days) and went to florida to adjust claims nearby! you can make approximately 15% of what the actual claim is! i one-sidedly worked 4 to 5 claims/day and drew approximately $1500/day and had claims wrinkled up for 5 months! however, that is extreme due to huricanes katrina and wilma support to back! outside of a hurricane situation, adjust jobs are rock-hard to get due to not satisfactory work and to many adjusters! you can other get your license, after keep it current by doing give or take a few 20 hours of actual classwork/year so when a hurricane does come up, your ready! contained by the meantime, you can always try to hire on beside some local company, but like i said...those job are taken and not given up very recurrently!
set down risk regulation (auto insurance)?
Question:
Answer:
The process of avoiding, eliminating, transferring or reducing the consequences of a loss. Insurance is a short time ago one element of risk mgt. You could choose to buy a vehicle tracker...this will cut back on the risk of the car person stolen and not being recovered.
An underwriter's use of actuarial background used to assign premium to any given individual (insured) based on a combination of risk factor.
Okay, each company is different. At my company we enjoy something called SRM, which finances Strategic Risk Management. For homeowners and auto owners, depending on the area, can be some risky business. Lets turn the table:
If YOU were an insurance company and you have to insure the country, what risks is your house at with an everyday lifestyle?
(this would be similar to Fire, theft, vandalism, marine damage, curl and hail, etc) Same item with AUTO ins. Your motor is at risk of being hit, stolen, broken cup, cosmetic issues, etc
The insurance company has a stability win, which is called "Standards and Poors" respectively company has financial strength, the longer they enjoy been around, the longer they will final. the more financially sound the company, the better and faster claims get hold of paid.
Insurance companies are trying to restrict where they write fresh policies, to make sure they dont turn bankrupt.
They will look at your credit (why? cuz individuals with bleak credit have a craving of making more claims, which costs the company more money), and they look at how many c laims you hold made in the ending 5 years (to find your pattern) and will look at your prior insurance (too see if you have obedient habits)
(would you tell your best friend you would settle up out the car damages to his sports car if he crashes it, and you know he has have 2 at fault accident and 3 speeding tickets? didnt think so)
The foundation why your premiums will end up what they cessation up at is based on YOU. Say you wages 1 thousand or 2 thousand a year, but if ANYTHING happens to the vehicle or if someone were to sue you the ins company can smoothly pay out 100,000. The insurance company is not making any money rotten of you, they arent even close to it, but each company is different.
risk administration is how a specific company manages their risk financially base off credit driving history and your prior insurance (and how long you own held your license) theyre trying to find out how much you could end up COSTING their company contained by a loss
To identify possible causes of loss, and wish how to deal beside them.
Does the Aflac Insurance duck, enjoy insurance?
Question:
Ok, I was atching a commercial for Aflac, you know the insurance near the duck? And I thought ' I wonder how much that duck gets rewarded, Does he have insurance? What if he get sick and cant work? Doesn't he have someone depending on him as a source of income? It consumes me, If you could relief me find out I would be so happy. Thankyou!
Answer:
if you are serious, they probably hold multiple white ducks playing its part and arent miserable when one dies
but aflack is getting away from using the duck because so one really knows what the company does.
First things first, THE DUCK IS A WOMAN!
SHe is uninsured and believe it or not, she works below ascend.
The people on the set treat her similar to a turkey and they threaten to roast her on a regular basis.
SHe really considered necessary to sue but all the attorneys are afraid of the company and would not shift near her skin.
Her husband left her later month for some 'chick' and she really has not be the same since.
This is the foundation why the company is trying to shy away from her.
HER daughter is featured on the commercial where on earth everyone is pampering the "nest egg". They havent spoken contained by more than a year because her daughter obviously get paid more and is treated resembling a star.
Life can be so unfair when you are a duck...guzzle more beef!
can you collect insurance money if another vehicle hits your motor and you still owe money on your vehicle?
Question:
a nieghbor hit my parked car, I am getting an estimate for the despoil, will the other insurance cut me a check even if there is a lein on my motor
Answer:
Yes, you can collect money, but the check will not be made out to just you.
If here is a lien, then usually the check is mutually made out to BOTH you and the lienholder.
However, you have the right to return that check and ask the insurer to generate it out only to you directly.
Even though they convey you a two party check, you still hold the right to demand a check made out solely to you (this is because the must to pay the loan pay for is between you and the lender...not you and the insurerso the insurer has no trial right to attempt to force you to ensure paying back the loan.that's for the lender to do).
yes they will
If your coup¨¦ isn't totaled and its just deface that was done consequently yes you should get the check. The motor is yours to fix.
Yes
If the other party have libality Ins.and it was his responsibility you can . Some companies want or require a police report to be filed . While others will whip both your word for it. Most companies dont pay you dosh directly , they pay the shop that fixes your auto.some do take-home pay directly , depending upon their companys policy [ This is true unless things have changed since my retirement from the Ins industry}
If they are doing their charge correctly they should write the check to you and your lienholder or directly to the bodyshop. You have to seize your car fixed since you do not own it outright
Usually they will cut the check within your name and the signature of your lienholder. Or they will make the check out directly to the shop where on earth your vehicle is repaired.
if you want home based assignment
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if you want life financial guarantee you have to check more info
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if you want strength info
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the other insurance will cut a check to you and the lienholder and they will have to sign the check
Yes. Then it's up to you to any fix the damage, or pocket the check.
The with the sole purpose time the insurance company writes the check to the leinholder, is when it's YOUR insurance company.
Yes, and the above answer is Right-On
What is the point of natural life insurance?
Question:
Sounds like a scam to me.
Answer:
The point of duration insurance is to protect the people you exactness about. (And this is not necessarily only for the spouse and/or children. Someone will have to compensate final expenses, even if you're single. And if you wait too long, you may not be insurable.)
You can buy a small amount to cover final expenses and/or larger amounts to cover lost wages. The common sense it's a good impression is that you get coverage for the full amount from the daytime you buy the insurance. It may take you a lifetime to put that much money away on your own.
True, you might incredibly well own been competent to do that. However, you aren't guaranteed to be able to live long plenty to do so. Even if you're the most cautious human one on the face of the planet, you aren't guaranteed tomorrow, much smaller amount another fifty years.
In a lot of cases, life span insurance is also the only item you can leave to someone that's tax-free. If you're not familiarized with estate taxes, you should check into that. Because they trademark the standard annual IRS April 15th(ish) deadline seem approaching a real hoof it in the park. On various estates (there's a threshold for determing it), there's a 50% tax levy for family member other than a spouse (spouses just pay 25%.) So, even if you departed everything paid sour, there's still going to be a huge payment due to the Federal establishment. That's most often why you see family selling off the loved ones home after someone's passing.
As I other say to family I'm talking to nearly life insurance, everyone pays for life span insurance in by hook or by crook. You can pay for it for a moment bit each month over time, or someone else can salary for it all at once (and when they can lowest afford it.)
Sure, it sounds like a scam to you. I'm sure the taxes do too. That doesn't renovate the facts.
Its so when you die the people you give up your job behind will know how to cover you funeral expenses and other inherted expenses. Also if you have culture relying on your income it provides a security web for them when your source of income is no longer available.
If you're married with children, it provides money to them to grasp by on in the event of your loss. But yeah, it sounds like something for nil to me, too.
so ur family have money to bury ur *** lol but it also leaves money for ur estate to ur loved ones or the one you leave as ur beneficiarylook at adjectives this Anna Nicole smith stufflife insurance is good if u can afford it
Life insurance is deeply important, When you die it will filch care of your funeral, burial ground bills, death certificate, For instance, When my daughter passed away she had no duration Insurance, It cost us close to 10.000 dollars, If she had Insurance later we would not have have this expense. We did not to anything spectacular, we kept everything to a minimum.
depends on how you view it. its a risk totalling. whole time is insurance but also the investment of money into the insurance company and is considered one way to invest. permanent status insurance is designed to provide an amount of coverage to allow certain functions resembling the loss of salary within the case of extermination to be covered for those still living.
so here is the scoop, you live by your self, not family circle, no relatives that you have any repsonsiblity to nick care of, you probably do not call for life insurnace. enjoy enought to bury your self, and your good to budge.
if you are married and have a kith and kin and you are the sole provider, than think what it would cost to maintain providing for maybe 18 or 20 years for your kids, their college etc. and suppporting your spouse for 30 or 40 years. articulate you make 50 - 60K a year, and you should probably enjoy some 1 to 2 million in policies, if you needed to take full prudence of everything.
but more important than the insurance is to brand sure you have a plan on how that money wiol be invested and secured so that you inherited will not be cheated out of it. .
now that is to say just worrying around your death, presently think of the cost of your wife dying and disappearing you with a kith and kin and possiably the loss of incom e form her job. how would you replace that.
That is the insurance scam.
Just resembling everybody else has answered: It's for the folks left trailing more than for you. If I had no domestic...I would not have insurance. As it is, I take term insuranceit is cheaper and contained by the event of my death, would bump into the needs of those I walk off benind, I hope. As far as it being a scamit's more close to legalized gambling. The insurance company is betting that I will not die soon and they will produce money on the premiums that I am paying. I am gambling on the event of my extermination coming before I would in actuality lose money (the premiums I pay and the interest I would hold gotten on that total amount of money if would have invested it). So, possession insurance is OK with me. Whole vivacity is more of a scam in that I could label a better investment with my money than that.
Indians are underneath insured, plus since india is prone to natural and made calamity , since risk is very lofty to human life ,and thats the foundation as per human life worth if u learning menber losses duration his family get financial supoort to certain extent ,near is no scam in this ,agian insurance is event of solicitation , people are not forced they thieve insurance as [per their choice and requirement, and its required if you want your family to be satisfied atleast financially after your gone , then insurance is must
for example 1000persons taking energy insurance ,if one died we all together contributing money for the died people family.so we are compensating loss of earn person of the line by the way of money.within my point of view it is halal because i judge it is hadhiya(donation) of 999 persons for one family connections.
to leave money losing for your family or someone that you love within case something happen to you. I know on my accidental demise policy, they state that I get partly the money if I lose one arm.
Well, you decide what the POINT is, back you buy it, then you buy the policy that suits your wishes.
The point of MY life insurance policies, is to provide satisfactory cash for my hubby to salary for childcare and put the kids through college if I should kick bad before they're grown.
So I hold term coverage, because once the kids are grown and through arts school, we won't need it any more.
So you can grieve surrounded by Tahiti.
so it doesn't burden your family near money problems after your death. such as arts school tution for the kids, etc
If you Love your wife and kids, I would think that you would want them to carry on the same standard of living be you providing for them should you meet beside an unfortunate hasty death. As ably as providing your kids with the nurture funds that you would have given them. Plus making sure that other have a roof over their head. Plus fully funding the retirement plan for your wife.
None of this will happen short Life Insurance in the appropriate amount should you get together with an undesirable early departure.
Scam..I think not!