We discovered feeble munis bonds within grandma's liberate that matured over 15 years ago. Are they still costly?
Question:
Answer:
Yes. If they're in Grandma's entitle, Grandma (or her estate if she's deceased) can cash them.
You bet they are! Not one and only that but they have (likely) be hoarding interest all those years!
No dally, I mean no they aren't distribute them to me.
Most likely the bonds be turned over to the state as unclaimed property after a certain amount of time. Most states own an unclaimed property website that can be searched by first name.
Find the one where your grandmother lived and see if any property is planned under her nickname.
return of premium possession insurance?
Question:
Does anyone have any suggestion on whether it is worth spending the additional money to carry all of the premiums rear legs with return of premium? I know that I could invest the superfluous money myself and have access to the money. However, forced funds does have some merit.
Answer:
1st of adjectives, term does not provide any forced money b/c it has no change value approaching whole energy does. W/ the ROP (return of premium rider), you are not saving anything. You are simply geting a compensation with no interest. If it rewarded interest, then it could be thought of as a hoard, but that is a stretch.
Depending on age, likelyhood of survival after occupancy & cost, it could be a good deal. It may not be too discouraging a deal near someone under 40 & it does not cost too much extra. But I judge after the term is up & you seize your money back, use most of it to buy a single premium remunerated up policy. That way you still enjoy insurance & a small windfall.
Generally, insurance is consider a type of 'forced savings', however, the objective of buying insurance is still equal - to get protection.
If we assume the inflation rate is 6%, 1,000 dollar today will become 500 dollar after 12 years time. (I use a simple computation method -Rules of 72, 72 divided by inflation rate, 6 %, you will get the answer 12).
There are plenty of investment tools at present and if you have strong discipline within managing money, then you could buy a pure residence insurance and invest the rest.
However, if you insist to buy return of premium term insurance, receive sure it comes with convertion pick (the privilege to obtain binding coverage in the adjectives without form conditions declaration).
The biggest merit of "forced savings" is I make profoundly more commission off of those types of policies.
Insurance will not return the premium since you were purchasing protection. Its without a solution. Unless you are still in the first month of the policy, afterwards you may be able to ask a compensation.
What does an IT Department of a company do ?
Question:
Answer:
IT stands for information technology.
It is your computer department. They manage the technology and computer infrastructure that drives an organization's business systems. The IT department is also specified as Management Information Systems (MIS or IS) department.
All the networking and software compatibility issues, plus updates, virus control, information backups, and tech support such as password resets.
From my experience they screw things up even worse. Seriously! I don't know how these relatives get their job. It seems those that if truth be told know enough just about computers to really do the job right do contract work on their own (more money there).
How Much Does my vivacity insirance agent spawn on his policy?
Question:
I am thinking of buying a Term life insurance policy from my Northwestern Mutual agent and am curious what they label on the policy.
Answer:
I am a captive agent for an insurance co. Life Insurance is not a huge money designer. Term policies, I make 40% of the annual premium and for unharmed life I spawn 60%. If he is quoting you term he is not contained by it for the money, trust me. Sounds like he is trying to return with you a policy that meets your requests.
For straight term policy, IF it's his own agency, he get about 50% commission the first year. If it's NOT his agency, ie, he works for someone else, he get about partially of that, and the agency he works for gets the wife.
Whole life, however, have first year commission at around 95%. Which is why agents push that harder.
Shop around as Northwestern is not known for their competitive possession insurance rates.
Commissions are typically in the 100% catalogue. Depending on setup, your agent may get 50%, next to the other 50% going to the agency they work for.
The high commissions everyone is discussion about is first year solely. After the first year the commission drops to anywhere from 2-5%
Does anyone know what to do if you lose your insurance card?
Question:
Answer:
Call your insurance company, and report the card lost. They'll send you a spanking new one. Also, they will notate the file, and hold an eye out for any suspicious/fraudulent activity. I wk surrounded by insurance.
Call the insurance company for a duplicate copy. In the meantime, get your policy number sour of your policy and keep contained by your wallet just contained by case.
For auto insurance, the policy number and label might be listed on your coup¨¦ registration.
Contact your agent or the company and they will issue you a new one if your policy is up to date.
Just send for your insurance carrier and put in the picture them that you lost it and they will send you another one.
If you enjoy a company that you can view and adaptation your coverage on line, you could turn there and print another one. If not, contact your agent and they will print one for you.
if you own Farmers insurance, go to Farmers.com and print it rotten yourself, 24/7. Or contact your agent to do it for you.
Call your insurance agent, they can make one for you.
If you hold farmers, you need to switch companies make happen they suck: http://www.farmers-online.com
If you dont have an insurance agent, consequently you need to give the name the company directly and ask them to mail, fax or email a trial card to you.
You should be able to bring back them to email or fax a new one so you can get hold of it done right now!
contact ur insurance company and they will dispatch u a new one
If it's auto -- name the 800 # for your company or your agent. they will get you a duplicate.. if you are beside someone like Geico, Farmers.. jump to their website and you can print it out.. check an old canceled check for your policy #. if you did what you be supposed to, your policy number will be on it.
If it's health insurance. contact your HR dept. they can demand you another. you can call the company too.. merely call 411 for the insurance company.. they will find you..
My husband believes that he is still covered underneath VA insurance, even though he hasn't served since 1990, who
Question:
knows? Oh and buy the agency VA is for veterans affairs.
Answer:
If your husband retired than he is covered. If he was injured during war/conflict, he is covered. He wishes to check his discharge papers--there should be information in the packet.
Your husband must turn to a VA hospital or the VA website at www.va.gov and apply if he hasn't already done so. Until he does this and been permitted, he is not covered. It is not automatic like he seem to think...
My grandfather be in the Navy and used a VA Hospital for adjectives of his needs. So I would regard as your Husband would still be covered as long as he goes to the VA hospital within your area.
You should be capable of look it up on your computer, find their number and call them to variety sure.
Can an insurance company retract home owners insurance because you own a dog?
Question:
Answer:
Yes, they can. However, Labs are not generally considered biters and I'm wondering what record they were looking at.
Have any of the dogs bitten anyone?
There seems to be something else going on here. Read the article below though and bring up to date them to find another insurance company. Not all insurance companies are anti-dog. They're only just anti-dogs that bite and I'm having a problem near Labs being classed as biters. They are not a breed agreed for biting. If they were, Guide Dogs for the Blind wouldn't be using them as one of their foremost breeds for Guide Dogs.
Additional info: Here's the only dog bite register I could find. Labs are not on it. (the number at the end of respectively breed is the number of fatalities between 1979 - 1998)
1. Pit Bull -- 76
2. Rottweiler -- 44
3. German Shephard -- 27
4. Husky -- 21
5. Malamute -- 15
6. Wolf-Dog Hybrid -- 14
7. Mixed Breed -- 12
8. Chow-Chow -- 11
9. Doberman-Pincher -- 9
10. Great Dane -- 8
11. St. Bernard -- 8
No they cannot. They cannot dictate who or what lives in your house. Read your contract that you enjoy with them and ask alot of question and have them put surrounded by writing why they cancelled you.
Add detail as no one is a mind reader.
Yes they can. It is a potential liability that they could own to pay claims on. Generally i.e. not a reason, however if your dog is a specially aggressive breed or has bit populace, then it is restrained since the premium they would have to charge to cover the risk would be so glorious, you wouldn't pay it.
Yes. They can revoke for any dog that's bitten anyone before, or if they own a list of "illustrious risk" dogs filed next to the state and your dog is that breed or partially that breed, they can repeal for "increased risk" if the animal was not originally disclosed on the application.
Well first past its sell-by date, Labs are NOT on the "bite" list. They enjoy certain breeds that they can any deny writing the insurance or have the insured sign a waiver stating nearby is no liability coverage in the event of a dog bite. The lone way they would not write labs is if their dog have already bitten someone. My advice is to check around for another insurance company, who know, they might even save money.
It's adjectives based on doesn`t matter what contract they have approved by your state.
If they enjoy a list of animals nominated in the contract that they will not allow for any homeowners policy as sector of their standard underwriting rules, they are required to apply it equally.
To the extent that a extremity of my staff (who has be with our agency for 19 years) have her own insurance policy under review for non-renewal after her cocker spaniel bit someone. As it turned out, nearby were witnesses who testify that the person who be bitten had be kicking the dog and hitting it with a stick since the dog bit him.
Since the court case be thrown out and the witness info said the attack was provoked, we be able to keep hold of her policy from being cancelled. That's the ONLY point we were competent to keep it.
In some cases, if the dog does not enjoy a history of biting, the insurance company may keep the policy if a individual type of certified training is completed; however, once again, that would come down to what type of contract was on profile with the state.
I have a german shepherd and had to transport extra insurance on my policy to cover anything she might do. I also had to show proof that she have attended and passed a reputable obedience arts school but I was competent to get a conceivably priced policy.
Every insurance company has it's own policies in connection with animals in the household. Typically insurance companies will prohibit any animal which have either have a bite history (bite someone who then bursting a claim, etc) or is likely to (think of adjectives those pitbull eats little one stories you hear about on tv).
Most insurance company's will not write policies if positive conditions are met, such as the presence of exotic (think aligator, LARGE snakes, etc) or dangerous animals (dobermans, rotwilers, akitas, pitbulls, etc).
If it should somehow come to the attention of the insurance company that you've get 14 pitbulls in house after yes more than likely they will non-renew your policy.
This is a company by company article were here can be wide instability. The exact answer is buried inside the policy jacket the company sends you every renewal. The best answer can be found by asking your particular agent.
Yes.
Labs are not on the undesirable document of breeds. However, if the labs are very aggressive or vicious or enjoy a bite history or maybe section lab and part undesirable breed that show aggression later the insurance co. will have issues next to that. They will not tell someone to go and get rid of their dog, they will just non-renew the policy. Some companies will consent to you exclude coverage for the dog.
Is in attendance a big databank of ur medical documentation that robustness ins companies can look at?
Question:
Otherwise how would they know if you had a pre-existing condition? You could a short time ago lie and say aloud u never had anything and perform like it a short time ago now get diagnosed. I mean, unless u share them who ur doctor was earlier this, they would have to dig out every doctor's records contained by the state/country. Or is there merely a database where they can type surrounded by your name and find out your medical history??
Answer:
There is no database of medical documentation. Instead, the Medical Information Bureau (MIB) receives VERY predetermined information from life and form insurers regarding medical conditions reported on applications for insurance; robustness insurers do not report health conditions arising during the time a being is covered. In other words, if a person have coverage through XYZ Insurance Company and has a heart attack after the coverage is issued, XYZ does NOT report this to the MIB.
Only associate companies may report and request information from the MIB. While most life insurers are member, not very lots health insurers are.
Many culture do lie when they apply for insurance. That's why the MIB is so vital for life insurers; strength insurers, on the other hand, issue coverage consequently wait for claims. Once a claim is file, they investigate the person's health history. If they find any things misrepresentations in days gone by medical history, whether it pertains to the cause of the present complaint or not, the insurer is legally competent to rescind the contract. This is a legal permanent status that means the policy is canceled from its inception; thus, it's as if the policy be never issued.
Yes
MIB Medical Information Beaurea (sp?)
Its based on what youve put on previous apps
declinations and claims
NOT info directly from attention providers
there is probably smaller amount on there than you conjecture
Lie on an app and a claim can be denied first 2 years of policy
you can get a copy for minimal $ or free
they are within Mass. Just G00GLE
Your medical records are NOT databased - but the claim payments ARE. So, they can see you've have $25,000 in compensated medical bills in days gone by 3 years, and the year before that, it be $100,000.
Well, something happened!! That's how they know something is up. Healthy ethnic group have possibly $300 a year in medical bills - one doctor call in, and the usual testing.
As mentioned above they can catch your records through the MIB. They usually hang about until you have a colossal claim and then commence their detective work.
There is no database like you describe.
When a claim is submitted into your insurance delivery service certain diagnosis codes can and will trigger the shipper to do a pre-exsisting investigation. They generally already know who your physicians are and they will simply request your medical library from them and or any other physician that has treated you during a guaranteed time period. (physicians put their name on the claims that are submitted to your carrier so they can go and get paid and as stated previously, your carrier keep track of this information)
If they do not know who your doctors are, they will ask you to provide that information, if you refuse or pull the wool over your eyes, they will deny your claims and you will be responsible for the balances.
I get contained by a saloon acciednt 5 months ago and my ins company progressive desires an independent doc to look at me?
Question:
my primary ortho put me out total disability for 6 months and i dont think they looked-for to hear that this totally blindsided me when they called i get the impression that they dont want to pay me my monthly benefit anymore i be a server andi hurt my right trap muscle down to my romboids what should i do ?anyone that feels those muscles on me know somethings up. ive been going to a chrio. for a while but im not getting your strength back just the same. my coup¨¦ was totaled i be t boned by a dodge ram and i be in a sports coup¨¦ ive always be healthy I hold no history being sick or anything but adjectives I know is ins. companys dont like paying money out at adjectives can I explore any other way I want to shift back to work but theres no road i can support any weight near my shoulder not healed please agree to me know what i can do
Answer:
Your policy has a condition surrounded by it, that you cooperate with sound requests. This is a reasonable request. If you do not submit to the independent exam, they can cut sour all payments and close the claim, for your violate the policy conditions.
Don't worry, the indpendent docs are honest. Most expected they'll back up your primary.
if they want u to be in motion to their dr. then progress. may be see a chiropractor they might help better .. i be hit by a car too but i be not in a sports car i was walking
You must comply to verbs your benefits. You don't HAVE to go to him forever, but you must see him nonetheless, at the company's behest.
Do as your ins co directs you. They want a dr that has no benefit to any side to consult and give his bring on your condition. This is their way of getting a second evaluation, talk it out near the dr, have a thorough exam and communicate what you quality and where. Let him know that your injuries closing date your abilities that you once be capable of at the caring of job you own. Once that's done, if you feel, it's not satisfactory always own a heart to heart talk beside an actual agent, not someone over the phone. Consider your legal/health options after that.
You own the option of not going. However, they will quit paying you.
If you expect them to reward for an injury, they have a right to enjoy that injury examined by an independent specialist. You've been stale work now and they've be paying you for 6 months. They have a right to find out what they are paying for. If you are legitimately injured, after you shouldn't have anything to verbs about.
The problem is that nearby are a tremendous number of fradulant claims. Claims fraud is a multi-billion dollar industry. You may be totally ethical but they don't know you and they don't know if you are or not.
I will also tell you this. (Since I used to be a claims adjuster), here are a lot of chiropractors that are not ethical. Nothing against the chiropractic industry as a unharmed, but most of the claims I handled surrounded by the past that be later proved to be nil more than running up medical bills to collect a larger settlement, were man treated by chiropractors. Certainly not all of them as MD's hold their share of doctors that will run up claims just to collect more fees too. I'm sure your chiropractor is a terrific doctor. I'm only just telling you nearby is a distrust because of past experience of bills anyone run up with no lawful injury.
So, Insurance companies have a distrust of chiropractors and they want to hold you examined by an MD, probably an orthopedic surgeon.
Get the exam. See how it comes out. As I said, if your injury is legitimate, you enjoy nothing to verbs about, do you?
So I amass this accident is not your reproach. Is your insurance company paying from your medical coverage or from uninsured/underinsured coverage? Otherwise I would think the other driver's insurance should be handling your medical. If they are making payments to you they own a right to send you to another doctor for another assessment. It seems to me that you own no other choice than to go to whomever they distribute you to. If the findings on the independent do not agree with your doctor's findings they will enjoy you see a 3rd party.
What they're doing is protecting their insured citizens from fraud. Sadly, because there are so lots unscruplous people out near -both patients and doctors - the legit ones have to suffer.
Go see their doctor - if you're truly injured and surrounded by pain, likelihood are, he'll agree with your doctor and you'll REALLY win what you need afterwards!
A chiropractor isn't always the answer - my friend have a shoulder injury from a car chance that flared up an auto-immune disease that she'll need lifelong contemplation for. She ended up seeing another doctor who put her on the proper treatment and she's fine.
Sorry but you own to if you want to keep getting money. This is not an unusual request.
Which is the best style to sort a claim for endowment mortgage miss selling?
Question:
Specialist solicitors will charge 25% (plus VAT) of any awards made, to make the claim on my behalf. Are near less expensive ways of making the claim, or is it posible to get the claim myself ?
Answer:
Nope, there's not a better, cheaper way. Unless you're a solicitor??
Can anyone recommend a perfect commercial liability company?
Question:
I need to buy commercial liability insurance for my cleaning business surrounded by order to draw from my business lisence. I'm gonna start searching for the best quotes but dont know where on earth to start. Can anyone recommend some good companies? I'm within las vegas, nv
Answer:
If you're new to have insurance, you're not going to have lots choices.
Contact a local, independent agent, and see what they can do for you. The standard companies all want three years of insurance history, so expect nonstandard quotes. It should run you around $1500 a year, basically be sure it's an A rated owner.
Email me. I'm an insurance broker in LV and I expect the best market would be Safeco. I newly placed something similar there.
There are any number of honest commercial liability companies. Talk to an Independent Insurance agent and ask him to get some quotes.
The soul that answered above me recommended Safeco. Safeco is A rated by A.M. Best, the company that rates insurance companies. It would absolutely be a good prospect.
home insurance for a home that be built 107 years ago...?
Question:
why on earth did i take a quote of 3500-4000 for 300k insurance on this home? Is the home that damn old?
Answer:
I'm an insurance agent and I also enjoy an old home. My house be built in 1903. There own been seriously of updates to the house including the wiring, heat, plumbing and shingles. The reason the premium is superior is because they can't place you in their best program due to the age of the home and the restoration cost of a home that old is much much sophisticated than the same size house built surrounded by the past 20 years. What you necessitate to do is ask them to use modified replacement cost. Not all companies will do this so you enjoy to find a company that will. With modified replacement cost you are agreeing that if there is a loss you will replace near today's materials. (ex. woodwork that comes from a home improvement store instead of have it hand milled to contest all the rest of the woodwork contained by the house. When you use modified replacement cost is brings the replacement cost of the house down considerably so your insurance is cheaper. I have done this next to my house. If your house is on the historical register you probably will not be able to do this but you should check it out.
Yes. Most carrier will not put insurance on a home over (insert years here - usually 50 - 75). The main problem is, the policies are adjectives written and filed on "cost to do from scratch with approaching kind & quality". Well your house PROBABLY have plaster walls, all copper piping, tons of wood trim, some of which might be foot carved, those fancy cut glass doorknobs, solid wood doors, and the cost to REBUILD the point, up to current code, is likely 5-10X bazaar value of the house.
Additionally, unless the house be COMPLETELY UPDATED within times gone by 15 years (new furnace/ac with ductwork, adjectives new electrics & breaker box, new roof, spanking new hot water heating system, new plumbing) you've get some pretty old systems within just WAITING to slump apart from age, causing a claim (think : When be your VERTICAL STACK replaced? How about your hose down and sewer pipes, outside the house? Snaked 'em recently for tree roots?)
So. Unless you hold a high helpfulness home (at least $500,000 cost to rebuild) and it's surrounded by spectacular shape, and you have great credit, so can pocket out a Cadillac homeowners policy like Chubb's giant value homeowners, you're going to hold to do A LOT of legwork to find a carrier (most probable, a small, regional carrier you can access through a local independent agent) to find a company inclined to insure you.
Sorry to be the bearer of bad tidings.
Yes the home is that bank old. It's a wonder you can catch insurance on it at all unless nearby has be a major renovation done on it. Most of these homes are particularly dangerous, especially the electrical system and heating.
knock the house down and build a untried one for cryin out loud.
I consistency your pain -- I have the same problem when I purchased my home built contained by 1851. I did alot of hunting around and found that Allstate would cover my home for a VERY reasonable price.
My delight was somewhat dampened when Allstate sent an inspector to my home and increased my rate because of the home's resourceful mahogany floors, other interior woodwork and elaborate wrap-around wooden porch added surrounded by 1889.
So give Allstate a give the name and see what they can do for you.
Will any go insurance company insure my 75 year frail grandfather.?
Question:
i jsut found out that my grandfather does not have any vivacity insurance to help the family unit take caution of his funeral and other expenses he will leave. I am the knowledgeable one in the loved ones and would like to lift out an insurance policy on him so that the family will not be disappeared to figure out how to money for funeral expenses and expenses he will leave at the rear. Do you think it is too belatedly? i am wondering who will insure him at this age? Thank you. Signed COnCERN.
Answer:
The chances of finding existence insurance for a 75 year old are somewhere between remote and slim. His existence expectancy at this point is only a couple more years. No insurance company is going to issue a policy knowing they will probably hold to pay out in a year or two.
If he has any assets, earnings his funeral expenses out of that. All of his assets will be presumably sold to pay stale any other bills he leaves behind.
no
If any company will present him a policy, it will probably be very expensive. You should try to find a occupancy policy to keep the cost as low as possible, or try one of those insurance companies that volunteer like $10,000 beside no questions asked. They ballyhoo on TV during the day.
Rates for a 75 year outmoded man are not going to be good, as expected, and he may have to purloin a physical to determine if he is in at hand or reasonable hazard of dying. The cost of the insurance will be high because a greater number of 75 year olds die than 25 years olds or 35 year olds.
Your option will probably be limited at this point, but you can shop around for some rates, any online or by calling insurance agencies locally. If they won't approve him, just try putting away an extra few hundred dollars every month from your income. In a few years, if he survives, you might hold enough of a fund built up to pay cheque for basic funeral expenses, at smallest. And the cost of insurance will probably cost a few hundred dollars a month, anyway. You can self-insure for almost the same amount, if want be.
Good luck.
ForeclosureFish
http://www.foreclosurefish.com/...
I am not sure which life insuance company will insure your grandfather you should ring up and ask some. I know that the persons form, weight, age , and wether they smoked or drank acohol affects within eligibility. And if they do insure your grandfather there a two year incontestability clause. This technique that if your grandfather dies after two year they cannot contest the life insurance and hold to pay. If he dies until that time then they can and can litter to pay for buriel. If he have serious health problems that miight affect whether he can be insured.
There is another alternative your family can transport. You can visit a funeral home and rate for the srvices before foot. They can give you a transmittal plan. it wont be cheap and long term but you can start paying for it ahead it time. so that its here when you need it.
hows his strength yes there are types of ins that will cover him what state are u surrounded by that will help me to describe u your options
You can without doubt find a small policy to take assistance of your grandfather's final expenses.
State Farm has a policy call, appropriately, a Final Expense. If I remember correctly it's $10,000 coverage and there are terrifically few eligibility questions, so it's pretty jammy to qualify.
We purchased this policy for my Mom(for the same foundation as you) when it was solitary a $7500 death benefit. It's more expensive than a standard policy (because you don't hold to be completely healthy to seize it) but really it's not bad at adjectives. I think we salary $65 a month for the $7500 policy - but we did take it out when she be 58 or so.
There are other companies that sell similar policies, too.
Good luck!
A funeral policy is the best method to go. Forethought is the top funeral insurance company followed by Homesteaders.
Call any funeral home and they will not one and only sell the insurance but also guarantee against inflation of his funeral price.
Interesting catalogue of "opinions" in the "answers." As an agent of a core carrier I can update you for certain: it depends. We insure those in worthy health powerfully into their 80s. Life expectancy is simply a statistical construct that says 50% of a target population (gender, age, strength category) will have died by that age. Life expectancies for a 75 year feeble male list from around 90 to less than 80 depending on the rating assigned by the insurance company. Best guidance: in the skiving of serious medical conditions ask your grandfather to be evaluated (underwritten) by a reputable company (or more than one). There would be no cost to him to find out what kind of offer(s) the company(s) would create. Hope this helps, and best wishes!
you should know how to get a burial policy for him near most reputable companies for up to about 15K. not gonna be capable of do much else at this stage. most companies don't sell occupancy policies past age 65.
Absolutely you can find a company that will insure him. Obviously the big factor is his form. Has he had any heart trouble? Diabetes? Kidney problems? Stroke? Cancers? Those are the key concerns in underwrite. The average cost of a funeral these days is $15,000. If he is within decent vigour, his life expectancy won't be an issue. 60% of our clients are over the age of 70. In a recent luggage we obtained a $50,000 policy for a 72 year antiquated male who have valve replacement surgery on his heart 5 years ago and the premium be $2400 per year. Those premiums are guaranteed, and will never increase. The insurance company was "A" rate.
Work with an agent who have experience working with the senior open market. They will know what companies would be ideal for your situation
If you want more information, contact me at info@qwestllc.com
Licensed contained by 48 States.
If you need relief email me and I will help you out finding acompany
Are insurance companies that flog excess liability responsible to check the personality have straightforward liability ins.?
Question:
Answer:
Responsible? No, and here's why: Because they'd have to check every single afternoon of the year to see if you voluntarily cancelled the underlying policy, which you could easily do, any morning you wanted to. THAT'S the total point of the "underlying limits requirements" clause. SOME policies also include a "following form" clause, so they solely cover what the underlying policy covers - no underlying policy, no coverage at all.
BUT, then again, as part of the underwrite process, they are ENTITLED, at their OPTION, to ask you for a copy of any and all underlying policies - the carrier, the dec page, the policy terms, etc. And most of the time when they do that, they LIST the policy number, shipper, line of business, and efficient date, as the ONLY policies that they will be excess, over.
No, but the insured person promises to carry on the underlying insurance. The excess insurer will not pay any more if the insured personality does not keep that promise.
I used to work for a State Farm Insurance agency. We never offered "excess liability" on its own. Comprehensive, Collision, Theft, etc be always extras added to liability.
Why do some credit union not fashion international transfers?
Question:
Answer:
They may not have computer access to the international framework that allows financial institutions to make such transfers. This see is run by the bigger banks, so even some small bank may not be able to variety international transfers.