In 2005 flood i lost my resourceful share card and i no impression for what process for duplicate issue ?
Question:
Answer:
Write to company for issue of duplicate SC. Registrar will send you form, format for affidavit, indemnity etc. Duplicate will be issued after public consideration by Co. It may take 6 months.
You stipulation to be more specific.
Shares of what?
You have to contact the company's verbs agent, and they will have you cram out an affidavit of lost certificate. You will own to indemnify the company if the share certificate eventually turns up near a bona fide purchaser.
you ill ave to inform the company& submit affedevit on stamp composition to company you should be able to find out your folio noor share tag no from your dividend warrents received
If I died would my clan own to pay cheque my debt even though I'm the simply mark on any of the loans and accounts?
Question:
Answer:
Nope.
If you leave an estate the debts would be rewarded from that.
definitely NO
Only if your estate have assets. If you die broke or put the money in a trust they do not own to pay anything but the taxes.
Your estate (belongings: saloon, home, etc. ) could have a lien placed against it and possibly be taken away from your surviving family connections.
Do you have duration insurance to leave your people? Most people buy a vivacity insurance to look after family.
If you don't exit a will, you know who will take your property? Don't be too concerned in the order of your debt there is option of life insurance on your loans right?
Actuall the answer is no!
Only the character that applies for probate, will inherit the debts, meaning the being, that takes on the endorsed right to administer your estate, in accordance to any wills or testament. If nobody applies, then your assets & liability, will probably go to the state.
Reiterating a the answer:
"Your estate would enjoy a lean for money owed."
Also, your spouse wold owe any money you owe. The US sees a marraige as the grouping of 1 man and 1 woman into 1 person. I do suggest existence insurance if you are married.
yes
This is not just a yes or no request for information. There are a lot of "ifs" close to some of the others have mentioned. If you enjoy a wife or executor of your estate, the first thing they are responsible for is paying your debts. If you enjoy anything that can be sold, it will be sold to pay the debt beforehand anything can pass to your heir. If you are single, don't own anything that can be sold and don't have it covered near insurance, then probably the answer is no. Just don't bring this as no one is responsible, because your debtors will other try to find someone to pay the debt.
If you check out of whatever money you own to an estate and you have bills, those creditors will know how to make claims and bring paid from the estate.
If you give notice your money to named those, then the creditors will not be capable of make claims against them and will thus write bad the debt.
If you are married, yes.
If you mean your children, consequently no. Unless you have an estate (property) contained by which case your estate advocate should answer your questions.
Don't enjoy a lawyer or a will?
Then you are departing a problem for someone else to fix, and you likely do not want that.
No. It would be compensated from your "estate" if you had assets at the time of annihilation.
Yes and no Yes if you own property or anything in your describe that may be passed on to your kids. IF you own nothing but credit debt or anyother debt, so the creditors cannot attach a lein on any of your assetts afterwards no, you dont have to settle up anything, and the creditors have insurance that they collect from.
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No. Debt is not inheiritable.
However, previously your family could inherit any assets (car, jewelry, house, etc) adjectives the assets would have to be sold, and any debt salaried off from the procedes.
If you own zilch but debt, then tough luck for the debtors.
My friend other voice MAX-NEWYOARK is super insurance policy and i trusi surrounded by LIC which one superior ?
Question:
Answer:
LIC is the best.
Is your friend an agent making commissions out of Max-NewYork Insurance?
LIC is guaranteed and has no other terms/conditions.
All MNC Insurance companies own a star(* asterix) with a conditions apply and include adjectives legal language and conditions making it difficult for you to get money within case you die.
Your nominee would be running pillars to posts to collect the money.Ultimately he/she will desire to leave as they cant row against them at court and get a overnight case won(this is not US where you sue a character and justice is provided instantly, this is India where on earth cases go for years).
Any claim that MNCs make a contribution you that you keep the money beside them for 25 years and they will give you 30/50 lakhs are adjectives dubious like chit fund companies. LIC is straight and simple. Even LICs hold Money plus schemes(max benefits).
An MNC could very very well close its operations within India and run out of our country and all your money is lost where on earth MNCs give a percentage of share to politicians and they escape going away you only to post waste and questions on sites.
LIC is the best - Be Indian, Buy Indian, Trust Indian.
One is New York Life Insurance - India. The other is Life Insurance Corporation - India.
New York Life have been around for over 150 years within the U.S. LIC appears to have be founded in India within the 1800's. Both appear to be well run and manage companies.
I don't think within is really an good answer to your give somebody the third degree. Go with the one you get the impression comfortable with. They're both righteous companies.
Both are old companies trust what your perception say
both ,it all depends on type of policy u r looking for.
Hi Friend,
I believe you are right. The reason are as follows.
Once up on a time there be around 40 private insurers in India. Due to the problems created by them to their policy holders, The Government of India passed an ordinance to lug over and merge all the companies and the achievement passed was the lic conduct yourself 1956. With this act LIC be responsible to settle all the claims and verbs to run as monopoly in Life insurance business within India.
LIC pays 5% of its net profits to The Central Govt. for the Govt promises the returns to its policy holders contained by case of any problem to LIC. and the symmetry 95% is returned to its policy holders as bonus.
Now you can decide.
You may write to me at pnkmurthy@yahoo.com
Good luck
LIC is Gharwali, MAX is Baharwali.
Trust / want yourself.
None is bad / unsafe.
All are secure. Go ahead.
Technically speaking both companies r equally safe. The insurance industry is in a minute regulated by IRDA (insurance regulatory development authority). They enjoy created excellent checks and balances to ensure that adjectives insurance companies meet their liability. Each insurance company is required to maintain a solvency fringe i.e. it should have facility to pay adjectives insurance claims that arise. max nylife has to follow these norm. hence it is safe.
however LIC still does not own to follow wat IRDA says as it is govern by the LIC act and it is back by govt. guarantee. Hence it is safe. But it too will come lower than IRDA by 2009 and will have to verbs solvency margins.
Now it is a matter of ur perception which would determine which one is more nontoxic according to you. This perception is guided mostly by external factors (conditioning - primarily got from the parental contemporaries, peer advice - wat friends presume, advertisment led - exposure to medium etc.).
Another aspect that i would like to point out is that u most probably would be looking at insurance as an investment preference. This thinking too would be flawed. The primary reason to run insurance is to cover risk. Now wat is this risk. In ur case the risk is of loss of income (due to death). In shield ur income stream is hurt then insurance would protect the culture dependent on ur income and ensure that they r not put into financial discomfort. This is best achieved thro taking Pure Term Insurance (find out wat this is). The declaration regarding investing money should purely be base on the criteria that u would want to invest ur money. If return is an important criteria after insurance (other than ULIPs - that too in a markedly specific way which 99% of them r not competent to or adviced to) is the worst place where u can invest ur money. If u have need of to know more mail me at vetapalems@rediffmail.com
This is Sridhar here a specialist within FINANCIAL PLANNING.
Every company has some advantages and somedisadvantages. But insurance plans are same as per govt. guidelines ( IRDA ). Premium may be differ from one co. to another but it as not more than 1% to 2% on depending on plan to plan. if you you some insurance plans as given below , you can realize that the basic plans are same contained by all co. but heading of the plan is different in adjectives co, but objects are same as per plans . some name of plans are as follows :
COMPANY NAME ( (ENDOWMENT PLAN )
ICICI Prudential Life Insurance
1. Save 'n' Protect
2. Cash Bak
3. Secureplus
4. Cash plus
TATA AIG Life Insurance ,
1. Assure 21 money investor
2. Life Plus
3. Shubh Life
4.Assure Security & Growth
AVIVA Life Insurance,
1. Wealthplus/ Easy Life Plus
2. Lifesaver
Birla Sunlife Insurance,
1. Flexisave plus
2. Flexicash
3. Flexi Long Term Saving Plan
4. Life Companion
5. Flexi Access Money
HDFC Standard Life Insurance,
1. Endowment Assurance
2. Money Back Plan
Bajaj Allianz,
1. Invest Gain
2. Cash Gain
Max New York Life Insurance,
1. Endowment 60
2. Endowment 20
3. Lifegain plus
SBI life insurance,
1. Sudarshan
2. Sanjeevan Supreme
3. Money fund plan
LIC,
1. Table 14
2. Table 48
3. Jeevan Shree
4. Jeevan Sathi
5. Jeevan Mitra
6. Jeevan Samridhi
7. Bima Gold
ING Vysya
1.Reassuring Life,
2. Maximising Life (Money Back) Plan
3. Maximising Life (Money Back) Plan
4. Powering Life (Limited Premium Paying Plan)
Om Kotak Life,
1. Kotak Capital Multiplier Bond
2. Endowment Plan
3. Money Back Plan
COMPANY NAME OTHER PLANS
ICICI Prudential Life Insurance,
TATA AIG Life Insurance,
1. Health Protector
2. Health First
Birla Sunlife Insurance ,
1. Medicare
2. Woman First
3. Bima Kavach Yojna
KAJAL Allianz,
1. Health Care
2. Keyman Insurance
Max New York Life Insurance ,
SBI life insurance,
1. Keyman Insurance
COMPANY NAME
(WHOLE LIFE PLAN )
1.ICICI Prudential Life Insurance ,
Life Time Premium Life
2.TATA AIG Life Insurance ,
1. Mahalife
2. Mahalife Gold
3.AVIVA Life Insurance,
1. SaveGuard
2. Lifelong
4.Birla Sunlife Insurance ,
1. Flexi Lifeline
5. HDFC Standard Life Insurance ,
1. Whole of duration
6. BAJAJ Allianz ,
1. Lifelong Gain
2. Life Time Care
7. Max New York Life Insurance,
1. Whole life (participating)
2. Whole existence (non-par)
8.SBI life insurance ,
9. LIC ,
1. Jeevan Anand
10. ING Vysya ,
1. Fulfilling Life
2. Rewarding Life
You can get that object of plans are same contained by one categary while name of the plan is different contained by different insurance companies.
For detail you can visit following websites :
http://www.poonam.reliancefresh.info...
http://www.reliancelife.reliancefresh.within...
http://www.kajal.reliancefresh.info...
http://www.redfort.reliancefresh.info...
htto://www.joinderkathuria.ign...
do not go by word of mouth do surrounded by your own research across all the insurance policies consequently choose the best which suits in your desires and requirements
insurance coverage after termination?
Question:
I have be on ltd for over 1 yr. HR policy says I am terminated as of 1/31/07. I did not receive notification until 1/26 -- missive was dated 12/22/06 and returned, later remailed to me. My question is -- i have a dr. appt on 1/19 and we scheduled surgery for 2/09/07...can i turn ahead with the surgery? Will it be covered lower than my previous ins. since it was programmed before it concluded or will COBRA have to pick it up. (havent received cobra paperwork all the same -- its 'in the mail').Will cobra deny coverage if i dont have preapproval? What do I recount caregivers when they ask for insurance information in the meantime? What a horrible mess, adjectives this worry higher than what I am already dealing with...appreciation for any help
Answer:
here is what i would do. find out what the cobra rate is. (its your premium + employer contribution + 2%) if you know for sure that you can afford it, and that HR will extend it to you (call and ask), go ahead and do what you enjoy planned with the doctor. you will hold to pay premiums starting from the year after termination, but you have a month to acquire it in. (plus you enjoy to send within the premium for the next month at like time). good luck!
Cobra is retroactive to your date of termination, and if you have intervening illness up to that time employer notified you of your rights and you get appropriate forms, you should be ok. Cobra just technique that you are continuing your previous coverage, it's the same insurance company, you are basically now footing the integral bill. If surgery is on something important, suggest going thru near it, just explain situation to hospital and to doc bureau and make sure you receive Cobra started. You have 60 days from date of termination to achieve it in, and close to i said it is retroactive to 1st day you are out of work or prior coverage ends (some plans the coverage doesn't closing until end of calendar month). if you can afford cobra premium for a month or 2 you should be ok, merely some hassle in between that's adjectives...
It'll be on cobra. Have copies of your cobra paperwork available when you see your doctor, so they will have a instrument to verify you are still covered.
Which is better for most middle income family: Whole energy or possession?
Question:
Answer:
Term insurance is the best way to protect the clan in armour the breadwinner dies. You can afford the right amount of protection for a very low price. Since premiums are low, ethnic group should highly consider good their money in a suitable vehicle (whether its funds accounts, money markets, IRAs, mutual funds, bonds, 401k, etc). Though, it would be better to unstop a Roth IRA and invest into mutual funds. There are many mutual funds that have performed at least possible 10% or better in olden times 10 years.
Right now, you probably don't enjoy lots of money saved, you probably own kids, have a mortgage to earnings, and have lots of debt. So you inevitability lots of insurance coverage. As you get elder, kids grow up, your mortgage is almost paid past its sell-by date, and you probably have some debt. So you better hold money saved or you will retire broke. Buying residence and investing will solve both problems of dying too soon or living too long.
Term life is best for lower income, middle income, soaring income families.
Life insurance is NOT an investment - buy residence, invest the difference in a definite investment vehicle.
Insurance salesmen will try to convince you that whole energy is an investment. That's bull. If you buy term and invest the difference, you'll own much more saved than if you bought adjectives life. Buy possession life insurance at an amount 3X your annual income.
Term life is designed for younger family you buy for 20 years or 15 whatever. Generally as your familial grows kids grow up and out of the house then standard time insurance is better.
Term. It's straight insurance, and accomplishes the simple goals.
I'm going to buck the trend basically a bit here...
In general, I suggest term covers the desires of MOST people tremendously well. However, by the deeply nature of the reality that it only last for a set term (hence the name), you may find yourself in need any funding for final expenses if you outlive the term. And you may no longer be insurable (even if you are, or you are offered the opportunity to convert the adjectives or part of the facade amount of the term in need proof of insurability, it will likely be VERY expensive.)
If you're going to purchase possession insurance to replace income during the earning years, I hope you'll at tiniest consider also buying a small whole life span policy to cover final expenses.
There's also the possibility of buying a guaranteed death benefit Universal policy, that essentially act as a term policy that doesn't run out till age 100 (or beyond.) It won't build bread value (at lowest, not after the first few years), but it can be set up so that you only foot into it for a set number of years (I typically suggest that it be paid through age 65 so that populace don't have to verbs about it after retirement) and afterwards it's not something you have to even conjecture about after it's rewarded for.
Well...let me speak from experience. We purchased a 20 yr residence life insurance on my husband when he be 38yrs old. .premium almost $35.00/mth. The same coverage was $350 mth for complete life, but we feel we needed just coverage til the kids be 18 or 19 yrs old...thought we would be financially set by the time he be 58...but the unthinkable happened...he died 2 1/2 yrs ago when the kids be 9 and 10 yrs old. The residence life insurance pd stale the mortgage, finished construction (we had a moment ago demo the kitchen and part of the house) and pd bad all our bills. If we didn't enjoy the term insurance ( and we could not afford intact life insurance), the kids and I would probably be pretty close to homeless...startling thought
There is this rule of thumb that says if you buy Whole Life you might as resourcefully be throwing your money down a HOLE.
ive get 6 points on my drivers licence does my insurence stir up?
Question:
Answer:
This depends on your insurance company. Some run MVRs at renewals and some do not. If you try to change insurance companies, the current company will run the MVR and your rates will reflect it. The best remedy is to wait it out. If you attain slammed with a huge rate increase / surcharge, beckon your agent and ask why. If there is nil they can do then its time to achieve some quotes.
another 6 and it'll go away for a year...
lone when your insurance is due unlucky
yes it will
Yes and if I was you I'd stick to collecting points on RunEye.com and not ya driving licence .
Oh yes my frined consider an 1.0L vauxhall nova for your subsequent car, the insurance would be around a splendid for that and thats probably going to be the cheapest you'll find. Unlucky pal it's one big scam that get the shark insurance companies rubbing their hands next to glee.
The UK sucks mate, all drivers catch done up the arsenal!
ya i have one and the same problem. if you have any no claim bones consequently it will go only 10 to20 pouts more that's it . try www.confused.com you can get some virtuous quotes .
Yes car insurance go up whether you have points or not, they name it inflation. i call it a rip rotten. i have 15 years no claims but mine still go uo every year. Having points on tour licence makes it dance up even faster
Most insurers will check your driving record when your policy is renewing. You can expect your insurance premiums to be in motion up then.
Yes when your policy renews your rates will increase but if you dont achieve any in the subsequent few years it will fall stale for insurance purposes. I dont know what state your in but contained by florida we only be in motion back 3 years. you should check to see what dicounts you can qualify for.
Insurance rates do periodically increase due to risk for auto not inflaton to be precise homeowners.
A way lot, it will walk up. Heck, in some states, your policy will be cancelled for a dignified risk driver, and in others, your license will be revoked.
depends what they be for and who your insurance company is.
they never used to bother over SD coded points (speeding) although they tend to now.
same next to TD points,
however
if its DD or CD (drink driving & unthinking driving) then most definately YES.
How much does homeowners and flood insurance cost surrounded by Mt Pleasant SC? We are thinking of relocating ...?
Question:
The home we are looking at is 400,000 and in the X or A zone
Answer:
X zone is not a special peril flood zone, A is. The maximum limit available on flood policies is $250,000 building and $100,000 contents. If within X zone the bank will not require flood insurance, contained by A they will. The X zone will probably cost about $350, A zone will be more approaching $2000+ and in an A zone, if the house be built AFTER the last flood map, an elevation warrant will be required. This has to be done by an manufacture & will cost. The cost will depend on how far away the house is from the closest elevation pin (like a survey pin but shows the elevation at that point). Now for homeowners insurance, there is no bearing to estimate that without knowing a TON almost the house, age, replacement cost (size, quality of construction, # baths, what the walls, floors are made of, etc), updates of principal systems, construction type, type of heating & type of roof. Then your information - insurance win, any animals (type), trampoline, bankruptcy, business on premises. Your best bet is to call upon an agent in the nouns you are looking. Once you have a house contained by mind, make a few call. A good agent will ask you the above question plus a whole lot more. Be prepared to be on the phone near them about 1/2 hr or so. If they don't ask heaps questions, I wouldn't use them because in attendance may be surprises once you go to do the application - price transmute, company change or they may not know how to write you... Go with the one that asks the question, that way, the quote is much more accurate & near should be no last minute surprises. One more point BE HONEST! Answer all question as truthfully as possible. We as agents don't like to rubbish our time because, if you do not tell the adjectives truth to get a better rate (we are pretty obedient at spotting this), you could either call a halt up with a null & null and void policy if there is a loss (worst case) or best armour, the company or the agent finds out something that would have made them not write your policy & the company will go against your policy. Companies pull claims histories & lots will inspect the house so be ready!
Good luck surrounded by your house hunt!
Talk to a local agent in South Carolina. They are familar near the houses and can help you determine the right amount of coverage needed. Here is a catalogue of agents in South Carolina sorted by closure code: http://www.insuremyhouse.com/southcaroli...
There's a HUGE difference in flood rates between zone X and zone A. As far as the homeowners insurance, it's ALSO going to depend heavily on your credit win and past claims history, not to mention specifics of the house itself.
You're going to enjoy to have a house within mind - and an address for the house, and the update information for it, along with street address, contained by order to find a quote from an agent down there.
compare online
Check out this connection for "local Independent Insurance Agents" in your nouns. Normally, there are oodles factors associated within determining a good religious conviction estimate. I always shop around via the phone & the Internet within order to go and get the best possible terms.
You'll be particularly surprised at the vast differences between respectively agency!
Good luck and I hope this helps!
if insurance rejected claims from a hospital and the hospital sent bill to me, what should I do?
Question:
my son had a operation within a hostpital in the insurance gridiron. But some of the hospital claims were rejected by the insurance clich¨¦ the providers are not in the make friends. The hospital is in the framework, I don't understand why insurance say the provider is not. So, what will be my steps to resolve the issue? Certainly, I believe it should be the issue between the hospital and the insurance company.
Thanks,
Answer:
Contact your insurance company. This is a very adjectives problem the anethesiologist or pathologist were prob. not contracted beside the insurance company. So explain to them that this is out of your control, and as long as the insurance company was notify of your procedure before the surgery it really shouldn't be a problem.
You will requirement to demand that the insurance company show how they are not responsible for these claims.
You may find the insurance company will require you to remuneration them and then be reimbursed then. Not every department in a hospital is owned by the hospital so they may not clutch payments from your insurance company.
If you are not satisfied near the answers you get a communiqu¨¦ to your state insurance board will be the next step (explain what happen and what you have done to try to resolve it.) You will inevitability to include copies of all bills (paid or not) and copies of adjectives letters you transport to the insurance company.
If that doesn't get you anywhere (about a 50/50 indiscriminate it will) you will need to see a weasel, (Umm lawyer) for breach of contract.
I would ring the insurance company to see what providers are in net for the hosipital, and then check next to the hospital to see why they weren't used. It may be the hospital's fault for not chosing the right doc per your insurance coverage.
The hospital may indeed be within network but the physicians hold to have a contract next to the insurance as well contained by order to draw from paid. What type of insurance do you hold. Try calling the insurance to get abet or try calling the Dr.'s office that be out of network and work something out beside them. Unfortunately its up to the patient to trademark sure services and doctors are covered under your plan. You are ultimately liable for the bill. Good luck. If you requirement more help on this or some insight convey me a message
Don't leave it up to the insurance company and the medical provider to sort things out. They will purloin months to years to resolve this problem. You need to be thieve the initiative to resolve this issue. If you have any supporting documents that the hospital is within the network, provide it to your form insurance. The person at the insurance company may own over looked that fact and distribute a form letter stating the claim is rejected. Provide them the provider's code number and kind sure the insurance was contained by effect at the time the provider rendered their medical services to you. Contact the hospital and get them involved. Don't shame their letters. Make them back you solve the problem. If a customer service is giving you a hard time, achieve a supervisor. As an incentive, tell them "look if you want to carry paid, I requirement your assistance." Emphasize they will not get salaried unless they make ssome action. Make the hospital aware of this problem. That will slow down the process of sending you to a collections agency. If the insurance company change their provider meet people prior to your medical treatment services and did not notify you of this change, they should (not that they will) pay packet for your medical bills. If there is a co-payment, you should step ahead and payment. It shows pious faith surrounded by attempt to paid the bill surrounded by full. Be sure you make both the insurance company and the medical provider aware of this problem. Follow up near the them and get the hospital involved to put more pressure on the insurance company for grant. Good luck.
It's very adjectives for doctors to have privileges within multiple hospitals, and for a hospital to be in your insurance grating but a doctor who might have priveleges in that not to be in lattice.
I'd contact the insurance company or check your contract to see if ANY benefits are paid for out-of-network providers - sometimes partial compensation is given, usually with a high deductible.
If not, you're likely legitimately responsible for the additional sums. I know this isn't what you looked-for to hear. Many people aren't aware of this possible situation, and don't check ahead of time to see if everyone who will be involved is covered by their insurance.
Usually the doctors bill separately from the hospital bill. You utter "some of the hospital claims were rejected" - be those bills that actually come from the hospital, or from somewhere else like from a doctor's practice? If the bills be directly from the hospital, you might have an arguing point. If they come from a doctor who is not in grating, then you're potential responsible for the payment.
Good luck.
1) Notify your insurance company that the hospital sent you a bill.
2) Use the bill as toilet dissertation.
Find out from the insurance company on 'How they inform the policyholders if there are change in the hospitals network'.
If you are not rewarded with the justification given to you, find out your 'Consumer Rights' and negotiate with the insurance company. If this mode cannot solve your problem, then you can hope help from the Related Goverment Organisation which is handling dispute between consumer and healh insurance claim.
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Well, it's not. The insurance company is the third shindig, paying on behalf of the hospital. But don't panic, this is in actuality usually pretty easy to resolve. Here's what you do:
1. With the claims rejection form surrounded by front of you, call the number on the hindmost of your insurance card, and tell them that you hold these rejection forms - if the procedures were done at an contained by network hospital, adjectives the employees working at that hospital should be considered "contained by network". BE SURE TO WRITE DOWN THE NAME OF THE PERSON YOU TALK WITH, and the date and time of the call.
2. They "should" any say, oh, yes, we're resubmit the bill, this should be covered, OR furnish you a more clear explanation about why a procedure perform at an in introduce yourself hospital is not considered in introduce yourself. In either crust, take report. But I'd expect they'll resubmit, and send pay-out out.
3. Also, call the billing department at the hospital, tell them to minute your file that the insurance company is reviewing the charges, and are expected to settle. That should buy you a little time.
Government Insurance Refund Processor is this a scam?
Question:
Duties are, receiving, screening, and processing FHA repayment notices
Answer:
I get one of these things in the communication too, and searching on the network, the actual website for government HUD say this is a scam. Check it out:
http://www.hud.gov/offices/hsg/comp/refu...
What is the name of the company? There are a bunch of scam out there so be terribly weary of it.
Read the weblink below on some of the scam.
Sounds like scam to me.
check out http://scamsbeware.com - consumer resource center. adjectives kinds of scam info here, there's also a forum where u can preserve up to date on current and future scam. And if u have any question just post it within the forum and somebody out there should facilitate u. http://scamsbeware.com/forum Best of all it's FREE 2 team up, just register at the top it'll be worth it for u to keep hold of up 2 date on scams/fraud. Hope this helps.
Did you find anything out roughly speaking the company? I just received matching thing contained by the mail today. Called the 800 number for one and only $49 you can make up to $37,532 sounds approaching a scam to me...
My husband be on his path to work on Sunday morning and be broadsided by a tabloid truck.?
Question:
It clearly is not his fault but our insurance agent requests us to file a claim against our own policy. He will not back us unless we do. So we are not sure how to proceed. He did go and catch 2 repair estimates today. He also spoke with the soul handling the insurance claims for the newspaper company. She be clueless because she had no paperwork on the quirk yet. We will enjoy the police report on Thursday.
Any assistance will be appreciated.
Answer:
First and foremost I hope your husband is well and be not injured. Your insurance company is not able to achievement on your behalf unless you file the claim through them because they would not hold any legal ground to emergency any payments from the other insurer or the newspaper. As far as person in a "no slate state", that does not require you to file beside your own company, that is a totally misunderstood statement, by no glitch what it means is that no concern who is at fault the first participant medical benefits are paid through your own policy first and this is one and only in skin of injury by you or anyone in your vehicle that resides contained by your household, after the limit of medical on your policy is exhausted after the other parties bodily injury picks up the medical constituent until it is exhausted and finally any uninsured motorists bodily injury will be the last coverage available underneath your own policy for medical.If there is no injury you own the option of file either through the other party insurer or your own, and even in covering of injury you can file for damages through the other carter and first party medical through your own policy.If you profile through your insurance company your claim will be handled quicker and you will own them representing you all the track while if you sit and wait for the other participant to act you may be delayed while they conduct their investigation. Your insurance company will cover you even while investigating underneath the collision coverage of your policy because no matter whose quirk it is that is the coverage that will retribution under your policy smaller quantity the deductible.After the claim is paid by your insurance company next they will demand repayment from the other party insurance carrier surrounded by a process called subrogation or donation recovery within which they will include your deductible and any expenses you may have incurred because of the calamity. In Subrogation there are no guarantees and it may purloin some time before your insurer recover but once they do they will forward your deductible and expenses to you.
file near your insurance ASAP. Because of the police report it will be in your transcription anyway.
Many reasons for file with your insurance. If you own comprehensive and uninsured motorist they can take the front to get your coup¨¦ fixed. They will then pursue the broadsheet insurance. If you don't have comprehensive and/or uninsured motorist they will keep hold of the record of catastrophe on file so you cannot folder a claim later for like damage.
You hold to file a claim beside your insurance company, so that your insurance company can pursue their claim against the newpaper truck's insurance company. If your insurance company doesn't have a written claim, they cannot proceed, because they wouldn't enjoy any information about the chance.
If you go through your policy consequently you can get your motor fixed immediately. If you dally for the other insurance company it could take several weeks. They will call for to complete a liability investigation. The police report is irrelevant in a liability investigation as the police officer were not witnesses to the coincidence. It is also possible they will find some negligence on your husband, I can't say for sure but comparative negligence occur in profusely of accidents even when relatives feel they enjoy no liability.
It is your responsibility to mitigate your damages. This means you can not sit contained by a rental car or sign out car surrounded by tow yard waiting for the other insurance company. You inevitability to do what you can to minimize your loss.
If you go through your policy the other insurance company will reimburse your policy once they complete liability.
If you database with your insurance company, you can take your car repaired right away, and later your insurance company will go after the newspaper's insurance company for reimbursement. Depending on the state (whether the state is a no denounce state), you may be able to folder against the newspaper's insurance company, but that process may take longer.
In any defence, if the accident be not your husband's fault, and the police report state's that he be not at fault, your insurance rates should not jump up.
A local shopper news or the Wall Street Journal? Maybe your insurance company doesnt want to ruffle feathers??
One word: attorney. You need someone who can insist on you regarding your rights within this situation. Your insurance agent shouldn't be trying to make you sign paperwork until you realize fully what it is that you are signing.
File with your company. That is purely the procedure regardless of blame. The police report will show that you were not at breakdown.
Do you live in a jurisdiction beside "no fault" insurance? If so, you will have to database a claim with your own policy first, and if the other driver is at scorn, your insurance company will pursue the other person (and his or her insurance company) to win costs covered.
However, even though it's not your fault, you will enjoy a claim on your insurance, and even though it's not fair -- you may see your rates walk up. Just in covering, you should have a copy of any police report , especially if it completely clears your husband of any responsibility surrounded by the accident. This can abet if you need to stir to bat to get your rates lowered again.
you can wallet the claim through your policy and pay your deductible that approach your car get repaired immediately. Then the insurance companies will dispute and if it is proven that the broadsheet truck was at glitch then your insurance company will attain reimbursed and your deductible will get rewarded back to you. Trust me the company does not want to income out of there pocket they will m¨ºl¨¦e for their money back and your. Trust your agent they are their to relief you they will not steer you wrong.
As long as you were not at eccentricity and your husband did not get a citation your rate will not move about up unless you are proven at fault.
Make sure your insurance company get reimbursed because if not you rates can shift up due to paid losses.
You don't enjoy to file near your insurance, but do keep chronicles of everyone you speak with concerning your claim. You should be able to turn within a claim yourself with the tabloid companies insurance as long as you have the policy number otherwise you will hold to wait. The police report will not be on your story and will not affect your husband because he was not at condemn (so don't pay attention to the personage who told you that) Depending on the amount of claims that have be turned in throughout the end three year period turning contained by the claim under your policy may cost you because of claim frequency whether it is your breakdown or not. Many people opt to turn surrounded by the claim under their policy even though they are not at failure because claims against big companies tend to take long to grasp through especially because they don't want to admit blemish or want to hold out to the last minute possible and that may be your luggage if you get frustrated near the company. But I personally don't recommended for the motivation stated above.
Well, first of all, I'd register my calendar, and 45 days before the policy renews, I'd switch to another agent. Not necessarily a bright company, just a latest agent. Because "I won't help you unless you wallet a claim" is just WRONG.
Is your husband injured at adjectives?
If it were me, and your husband isn't injured, I'd phone again to see if the company has the claims information. Then ask to speak near their adjuster/risk manager, to see if they'll in recent times settle this quickly & painlessly. Don't forget to ask for $$ for a rental sports car, for the time your car is contained by the shop.
If after two weeks, you're getting the runaround from them, or they aren't cutting you a check, or they're stalling, or they want to blame hubby for the coincidence, THEN you need to report the claim under your own policy. Or if your hubby be injured, then you involve to file below your own policy, also.
Yeah, this is normal procedure. Your claim adjuster desires you guys back on your foot asap. They will subrogate with the other insurance company. Unfortunately, some companies use this against you and pinch away your "loss free credit" double check (not with the adjuster, but beside your agent/customer service rep) on this..
Is Pre-Paid Legal surrounded by South Dakota?
Question:
Trying to help a friend acquire legal aid!
Answer:
It is. However, if they've already been sued, it's not going to back much. Pre-paid legal, close to any other insurance policy, doesn't cover something that has already happen. It covers future events.
That is a jackoff that surfaces from time to time. It's a pyramid hatch up for the people that vend the policies. They don't cover pre-existing conditions, they don't cover criminal, they don't cover DUI, they are supposed pay the cost of a will. A lot of attorneys won't even return your call with that surrounded by the message.
You're best bet is to seek a pro bono. Start looking through the pale pages for trial services.
Sure, but it doesn't do much for you - no criminal work, and no family directive. Basically just tangible estate and estate planning.
Those people who answered your ask know nothing going on for prepaid legal. I am an independent associate for prepaid permitted. It is in South Dakota. If you want to rob a look, I can send you my site, it have a video and your friend can sign up. The membership become activated right now. Oh, and we have lawyer that represent all areas of the directive!
I had pre-paid allowed for about 2 years and after sat down and took at really suitable look at the policy. I cancelled it after reading it. Very little covered and many items you own to pay extra for. If you in recent times have a great deal of general question, its great but you also need to check to see where on earth the closest lawyer is. They don't hold one in every city.
Sure they are...
BUT I WOULD NOT RECOMMEND THEIR SO CALLED SERVICES!!
Save your 26.00 per month expenditure
insurance fraud by emplyer?
Question:
i am out on comp herniated disc comp is paying have be paying for long and short term disability thru work for 3 yrs our company be bought out in parade and payments were still deduct from our checks weekly since they bought us out in convoy i called the insurance company and our policy be cancelled last april 1st for non return and because it was a group policy the individual policy holders be not notified but different company still deducted payments from our checks we thought we be covered no that i may need to use the disability i find out we are not coveredwhat can i do im afraid to exact a stink as i need my chore when i get better
Answer:
I agree next to "Deep5223," your legal claim rests beside your employer. You and all your fellow workers should see an attorney right away.
However, I can conclusively state that this isn't insurance fraud; although the premiums were due to the insurer, they weren't stolen. But again, this doesn't penny-pinching your employer hasn't violated other laws, including its fiduciary responsibilities lower than ERISA. A court will probably force your employer to pay you what you would enjoy received from the insurer if the coverage was still surrounded by force, plus any applicable interest, attorney's fees and damages.
In the meantime, if your employer offers to discount the premiums to you, DO NOT UNDER ANY CIRCUMSTANCES CASH THE CHECK until you've spoken with an attorney. Cashing the check is the equivalent of accepting the reimbursement as an equitable settlement.
You enjoy to ask the management what is going on.. possibly they have changed insurance companies. Maybe they are trying to scam you. you will never know untill you ask.
You requirement an attorney. If they were deduct premiums and not sending them to the insurance company, your claim is with them. First I would ask them what they did next to the premiums and if the answer is not satifactory, my next phone would be to an attorney.
Definaztely find out what is going on. There is a small chance the company is self-insuring, but I would doubt it.
OK, two things. If your company be bought out, it's likely that there's a NEW disability shipper. You'll need to contact your HR department to find out that information.
If not, you've get bigger problems, as failing to remit insurance premiums is usually a precurser to bankruptcy - and you might not hold a job anyway. You should THEN contact your state department of labor, to record a complaint.
Also, this COULD just be "oops I forgot to join them" on the part of the employer. If it is, there's an insurance coverage that they might enjoy purchased, called "employment benefits liability" coverage. This would be a claim beneath that coverage. And if they DON'T have that coverage, in good health, then they should be offering to wage out of pocket, because it's a cut and dried lawsuit.
I'd hire a lawyer as a LAST resort, because liabilty is pretty clear here, and the legal representative will take 40% of any payout.
If some character have a preexsisting posterior / spine condition requireing surgery and they file for workers comp.?
Question:
along with the employer's full culture so they could have surgery so worker-comp insurance would salary for it.and then at like peas in a pod time took out pay-check protection insurance policy to get extra money while they wern't working on the worker-comp injury,and afterwards continued to work and be paid below the table so to speak what could they expect to happen to them leagally if found out?
Answer:
Its not what your employer say that workers comp is going to look at. It is the physicians notes that the insurance company is going to look at. The first piece the surgeon is going to say contained by his consultation is that you have a pre-existing condition that have progressed to the point that you need surgery. Do you enjoy disability insurance? Thats to cover you if you are out on surgery. Workers comp will only settle if you are hurt on the job. Two different coverages...I suggest you find out what is what until that time you try to defraud the insurance company. Workers comp is hard satisfactory to get when a claim is file with honest intentions.
Go to prison. Everything you mentioned is fraud.
They could expect to be prosecuted for insurance fraud. Along with their employer who have knowledge of what they be doing and conspired along with them to defraud the insurance companies.
Insurance claims departments report claims to the index system. If you've already have a prior claim on your back, they'll know that as soon as the index report comes put money on. Not to mention, when you then report the disability claim, they'll also know so you will have tried to defraud two insurance companies. I'd say aloud that should get you nearly 3 or 4 years in prison. But, you could probably own your back surgery done for free contained by the prison system.
Not to mention, the employer is an idiot for going along with this as Workers Compensation premiums are experience rate so his rates will go up.
They can be required to salary back every time that be paid to them or on their behalf. Depending on the size of the fraud, put in prison time is possible.
You're also talking something like tax evasion, and send to prison time is possible for that, not to mention penalties & fees.
Workers comp is NEVER pre-approved. So merely because the employer said ok, doesn't mean that the comp mover is actually going to rate for it.
So now, when you hear general public complain about how glorious rates are, you can think of "some person" and their cheating employer, and know why.
You said a pre-existing presently did this injury occur during work? You didn;t vote. You said your employer knows more or less this so he's backing you up contained by this little fraud scam of yours. Take a look at the laws governing fraud. It could meen incarcerate time, and or a fine and plus you'll have to payment it all put money on.
I pay for WC through taxes perchance I should just report you and your employer stupid scam to the proper authorities its not that I'm a stool pigeon but your stealing off of other charge payers.Jerk
It is fraud. I believe that is a felony.
Can my wife remove me from her Health Insurance?
Question:
My wife and I have separated. We are currently living apart from respectively other. She is employed full-time. Recently, she cancelled my health insurance that she receive through her employer. I had hear that this is illegal. In other words, I be told that a spouse cannot remove the other spouse from his or her health insurance until in that is a divorce. However, when I called the insurance company, I be told that she had removed me during "overt enrollment" and that she is legally allowed to do so during that time. I am disabled and would suffer greatly if I lose my form coverage. Is what she did legal?
Answer:
It is endorsed. You should consult your lawyer to craft sure that she was supposed to hold on to the coverage for you under the agreement. If she be, then it be not legal.
Certainly, you should consult your legal representative. Is there a separation agreement? If so, the robustness insurance should fall underneath one of the categories stipulated contained by the agreement.
good luck!
I don't see why she could not remove you from her insurance even if you be married and living together. She should be able to choose an individual policy from her employer if specifically what she wants.
Consult your attorney. The insurance company seems to mull over it was officially recognized, but since it will be such a hardship for you, it would be worth checking into further.
Yes, what she did is allowed. On open enrollment you can do anything changes you want, close to adding or dissolve someone. If you are disabled you should apply for medicare or whatever your state offer for people next to disabilities.
Yes, it's legal. She can fashion any changes she requirements to make during undo enrollment. Even if it wasn't open enrollment, she may own been competent to make change by using a Family Status Change Form.
She can remove you, but she is prob. shooting her self in the foot because your not all the same legally seperated or divorced she is also financially responsible for any debt that you accrue.
yes she can
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During unstop enrollment, the employee can spawn any changes she requests. She can delete you, she can delete kids, etc.
At any other time of the year, she can only variety changes related to a "qualify event" such as birth, death, divorce, etc. So YES, it's official.
It's also stupid - because while you are still married, in your state, it's possible she might still be responsible for YOUR medical bills.
Paid permanent status vivacity insurance policy conversion to unbroken duration?
Question:
If a paid residence life ins policy (virtually no currency in value) is expiring and is converted to a complete life policy..is the rolled over policy significance available for cash contained by immediately? Or is here some type of rebuild/regathering of interest time span before it have the same facade value as formerly?
Answer:
I'm guessing you think you can change in the facade amount of the policy. Sorry that is totally impossible unless you die. But still, you won't dosh in the obverse amount, your beneficiary will.
When a term policy is converted into together life, you keep hold of the same demise benefit, but premiums will increase dramtically to include cash advantage growth. Your cash expediency will never equal the face amount until you are resourcefully in your belatedly 90's or age 100.
Term policies do not build cash expediency, that why they are so inexpensive to purchase. So it gives you more flexibility on what you want to do next to your savings. When you retract term policy, you gain nothing. The purpose of life span insurance is to benefit anyone who is dependant on your income. Is anyone currently dependant on your income right now? If not, afterwards you should purchase a small 30 year term policy of around $20,000 coverage. Unless you own at least $10,000 save up somewhere where clan members can access it contained by case you die, you inevitability life insurance.
As you win older and your energy changes (such as getting married, buying a home, and have kids), you would need to significantly increase your coverage. As your kids get older and as you finish paying your mortgage, your requirement for life insurance decline. In fact, you might not necessitate life insurance at that point.
I other sold term insurance to middle income family and help them invest the money. That channel they can afford the right amount of protection and as the years goes on, their investments will grow to a point where on earth they become "self-insured." When it comes to life insurance, not a soul really wants it, but they see a stipulation for it because they don't have much money save right now and enjoy lots of financial obligations.
I don't know the exact answer to your interrogate, but I am wondering why you are sinking money in any sympathetic of life insurance. It is a unacceptable investment of money. Mutual funds give you a much greater return. If you want a duration ins. policy to cover your death, burial, etc... to be exact one thing, but if your money go into mutual funds, over 20 years it builds up a much larger amount of money. Any good investment broker will communicate you this. Life Insurance is a scam.
If it was me I would merely take the money and put it within a mutual fund and let it brand money for you and your retirement. I am sure insurance salemen/brokers don't like what I enunciate, but facts speak for themselves. Compare how much a burial would cost and how much the money would make surrounded by the long term if invested properly somewhere else. I don't know how much brass you are talking in the order of, but lets voice it was lone 10 or 15 thou. In 20 years at a conservative 8 % would be a lot more money than a life span insurance policy. As I said earlier, permanent status life and adjectives of these other insurance policies are a scam. The only society pushing them are the people that generate money off of selling the waste.
A good point to do is look at the successful investors and where they kind their money in investing.
When you convert to a full life policy it starts collecting the currency value at that time. There is nothing cash on the double because with permanent status you are paying for "pure" insurance.
Well, term go has NO currency value. No, basically because you roll it, that doesn't mean it have cash appeal. You'll build about 10% per year of your premiums into dosh value, but you probably own to wait 3-5 years contained by order to know how to take it.
FACE utility, aka, payout if you kick rotten, doesn't change.
existence insurance should not be thought of as an investment. It serves a completely different function than investments. So, please dont confuse the 2. It is fruitless advice to outright voice life insurance is a discouraging investment & worthless to have.
But as to your put somebody through the mill. I am a bit confused as to what it is you think you hold. Term insurance does not carry any bread value what so ever & does expire after the residence. So if you kept it for 30 days or 30 years, you would & should accumulate nought. I think you would involve to check to see what you have. Because what you are motto you have (term), does not append up to what you think you hold (cash value). It should also be noted that term can not be compensated up as whole can, which is another idea I suspect you have something different from what you regard as.
Only whole time (and its cousin Universal & VUL) will accumulate any type of lolly value that you can hold out. Even with those, it will not be & is not expected to be the same as the frontage value of the policy. Also, unbroken life never does expire. It will quash for non payment, but wont expire after a time frame.
I would be interested to know why someone would purchase permanent status insurance for an infant in anything save for a term rider, which does expire after the child turns a guaranteed age (18-25 depending on the company). Sometimes they are convertable to whole existence before the birthdate of the child of the second year of enforcement. A regular term may or may not be convertable during a unquestionable time, IF that option be available to them at the time of purchase & they did purchase.
And as far as the convertability credit is concerned, you will not realize immediate dosh value.
There are two companies that provide angelic whole time policies - Northwestern Mutual and Mass Mutual. If you want to have some total life, run with one of them.
don't buy unharmed life, they are expensive and single pays out one benefit. stick with permanent status insurance. saves you money so that you can really invest the difference!
Well for starters a occupancy insurance policy has not vitually no change value it have none at all. Basiclly a residence insurance policy is a bet. You are betting you will die and the company is betting you will not. A convertable policy, one that starts as a term and converts into a complete life polic, typically have a cash building length. Unless the policy states there is a brass value when converted consequently there would be none. Personally, as an insurance agent, I reccomend society to buy term insurance over in one piece life as you find more bang for the buck. It also depends on what age you are and what wishes you have. I other tell family to buy less the elder you are as you would have smaller number expenses to cover.
Most of these answers are good, but I do want to correct Sad Soul - typically a lifelong policy will pay a departure benefit equal to the face worth plus any cash importance, less policy loans.
Secondly, I agree near the guy who posted above- life insurance is not an equity investment resembling mutual funds, so to compare the two is like comparing apples and bananas, and anyone who does so is not economically educated within financial matters.
To answer your ask, there is a possibility that the company you're beside now will allow you to convert the policy (provided that you're still in the conversion period, because you DID read out you got the policy when you be an infant - usually conversion periods jump up to 20 years max from my experience) AND give you conversion credits. This funds CV up front (the credits), but it might not be available for LOANS right up front. Good luck
Your policy could implode. At that point, the cost to insure you is greater than the premiums that you are paying, and the insurance company will dip into your cash advantage to keep you insured. At some point you will not enjoy any cash contained by your policy. At that point, the insurance company will write you a letter and ask you if you still want to be insured for the amount of insurance that your premiums will in a minute cover, or do you want to send them more money to hold you covered at the same amount, or would you a bit just invalidate the policy. I would just stay beside the term until you don't inevitability insurance anymore.
first off, please rebuke celtic warrior's comment. he is obviously bitter and doesnt appreciate the question.
unless you own health issues, i would consider applying for a unsullied policy unrelated to the term you hold now. if you opt to carry a whole or a possession policy, you are quite possible to get basically as good a accord all by yourself - probably even better.
even if you "rolled" some permanent status with currency value (i agree, i enjoy never heard of this) into a total life, it wouldnt product any real difference. since it is confusing, jump with something you know.