I would resembling to swot up insurance?
Question:
I am currenlty working for an insurance company that specializes in insurance for commercial accounts. I'm the receptionist so I really don't do much. I would close to to take on more responsibility but here you do not achieve respect without a liscense. My boss will money for my classes but I don't know the first thing more or less insurance. From what I hear we deal next to general liability, fiduciary liability, d&o, energy, commercial auto, and workers comp. Also we have a dental department. Before I be in motion into my classes I would like to know the nitty-gritty is there a place online that can minister to me, or a book I can pick up somewhere? Thanks for the help guys.
Answer:
Get your license right away. Go transport the classes that your boss is going to pay for. They are pretty graceful. Being that your company handles both P&C and Life, relay them that you want to get both license. This will make you more expensive. I think I did my studying through Dearborn, but here are several good companies to use.
The classes they dispatch you to and pay for are the pre-license classes...this will bequeath you the information you need to leave behind the tests, but they should provide you beside training after you get your license on how they do it.
I hold my AAM & AIT. I took 2 of the 4 classes to get my AIC, but didn't touch like finishing.
Source below will assist with insurance classes.
Michael
You can sign up for a Certificate surrounded by General Insurance course, through your local independent agent association, but your BEST bet is to switch jobs to a highly small, 2-3 person independent agency, that's likely to train you.
Go to the classes that will prepare you for the licensing exams and receive licensed. You'll get the ground rules there. Once you are licensed, you can consequently get out from aft the reception desk and get into any an underwriting position or, on the sale side, get an depiction manager position at a brokerage. These positions will bequeath you the on-the-job training you will need to become an expert within the area you've chosen. You will stipulation education credits beyond that, so you will verbs to go to classes, too. Serious insurance folks who want to brand good money and pedal their clients well get hold of credentials such as CPCU, CIC, RPLU, and many others. There's greatly to learn and deeply of money to be made. Great career. Don't stay contained by the lobby.
Gap Insurance?
Question:
Is it really necessary? I only bought a 2007 Jeep Patriot and it is being offered by my credit coalition. I know it prob is a good hypothesis, but, when your counting each penny - is it a REALLY GOOD view?
Answer:
Depending on the cost, you should definitely procure GAP insurance . Credit unions tend to present it at a lower rate than everyone else , usually a few hundred dollars.
GAP covers the difference between what you owe and the car and what your auto insurance covers. For instance, if you how $25000 on your loan but your insurance pays $18000 (based on depreciation), GAP covers the $7000 surrounded by between. If you don't have GAP , you're stuck owing that amount while looking for a unknown car.
Somone suggested you try your auto insurance company, as a former insurance representative this is not something auto insurance carrier typically offer, though it doesn't hurt to check.
I know surrounded by a few states such as Washington, insurers are required to offer it as a bit of the insurance coverage.
Like all insurance you disgust it if you never use it and love it if you do.
I have never bought or needed it.
Gap insurance is expensive coverage for what you gain. I would suggest putting more down on the vehicle if you can. If not, you have to want whether it is worth the risk or not. If you have an fluke in the first year, you may not catch full value for your vehicle. You can also check near your insurance agent to determine of replacement cost coverage is available and compare the price.
I would never, EVER turn down GAP insurance. It will only incline your payment just about $2 a month, but just suppose if your car is totaled surrounded by an accident--that $2 a month just save you literally thousands. It will cover what your insurance won't, and usually your regular insurance will only reimburse you for what the coup¨¦ is *worth, not for *what you owe* on it, and brand new cars depreciate by thousands as soon as you drive it past its sell-by date the lot.
Gap insurance is very constructive. If you were to receive in an disaster anytime during the life of your auto loan and the vehicle be totalled, the insurance company is only going to make a contribution you a check for the value of the vehicle. They don't diligence how much you owe on your loan. You will have to remuneration the lender the difference. Gap insurance covers this difference. It happened to me. I be in an catastrophe and the car be totalled. The car be only worth $5000, but my loan symmetry was $8000. I have to pay the difference of $3000 out of my pocket because I didn't enjoy gap insurance. It is really inexpensive, too.
gap insurance is mostly requested when you lease a motor specially if is no down payment involved. In a total loss the difference between the good point of the car and what you owe may be greater than the insurance coverage. The cranny will cover the difference. Each state is different but shouldn't increase the premium that much
Yes GAP insurance is very major, but b4 you sign up at your credit union, ring up your insurance company. Usually, it is much cheaper through them. I have it on one of my cars and wage an additional $22.00 every 6 months. Considering the motor went upside down at least possible $4,000 as I drove off the lot, it's all right worth it.
It depends on the cost. I know when one of my auto insurance customers has NEEDED it, they enjoy been glad to enjoy it. It can sometimes cost less on your auto insurance policy. Check it out.
Look at it this route. If you buy a $25,000 vehicle and finance it 100%, it is not worth $25,000 as a used sports car, yet you still owe $25,000 on it.
If you bring back into an accident two months from presently, you'll owe more on the car than it is worth as a used vehicle. Your auto insurance is going to income you Actual Cash Value, or the used car price and you're still going to owe the dune the difference.
GAP insurance covers that difference. However, it's absurdly expensive for what you achieve.
There are several auto insurance companies that are now offering GAP coverage on their auto policies at a much better price than the bank and credit unions are offering it at. Call your insurance agent and see if your company offer it.
Your other option is to money enough down on the motor now so that you're never within the position of owing more than the vehicle is worth.
Only if you owe more money on the Jeep than you would get it you totalled it.
That technique, if you put down 10% when you bought it, you don't need hiatus. If you didn't, you probably do.
Go to www.kbb.com, and figure out what the average PRIVATE SALE effectiveness for that Jeep is, right now, near the current milage, in your nouns. Then go obtain the finance papers, see how much you financed. If the second number is bigger than the first, you requirement GAP coverage.
Frequently what happens is you put enormously little down on the car, and later it gets totalled (VERY adjectives if you're under 25), and you grasp the actual cash significance of the Jeep - usually not more than 80% of what the sticker price is, as cars depreciate DRAMATICALLY the second you drive them off the lot.
The result is, you owe $3,000 more for the Jeep than the insurance pays, AND you don't own a car.
Its insurance (a gamble).
If you are buying a up to date car, put little down consequently GAP insurance is worth it if your car get totaled. That way you break even a bit than owe and need to buy another sports car.
If you buy a used car at a generous price and put at least 10-15% down and your saloon is totaled then you could break even or ahead. In this luggage GAP is not needed.
If you've already bought the spanking new car, near little down and did not get GAP...better wages $50 - $100 extra on each settlement.
I've been hit twice contained by 5 months and both cars were totaled.
Its adjectives so scary.
Does applying for, starting, canceling, and re-applying for a go insurance policy hurt one's "rating"?
Question:
I feel that I be mislead by a life insurance salesman, and would similar to to cancel the policy and re-apply near someone else. I am hesitant to do this, however, because of the concern that this goings-on will somehow hurt my "rating" in applying for adjectives policiesIs this the case, or can one nullify and re-apply without affecting the premiums on adjectives policies?
Answer:
The truth: As you get elder, your premiums goes up. There are different rates for almost every age.
So when you apply for a unmarked life policy, your rate will be base on your current age.
Depending on the type of policy you had formerly, you may save or compensate more premiums in the unusual policy. An example of where you gather money is where you rewarded $2000/year for a whole time policy and replaced it with a 30 year residence policy that cost $800/year.
Being "rated" on life insurance contracts have nothing to do beside having withdrawn an application. If you quality you were mislead, find an agent you have a feeling comfortable with and start over.
Look at it this bearing, the insurance company takes a risk by accepting you as a client. To determine your "rating" is a bearing for the insurance company to see if you have any robustness condition that could eventually affect your mortality -- and, hence, their risk. There are other factors that affect risk but the strength condition is the primary one. Their objective is to acquire clients that will stay for the long haul and frustrate their expenses on commissions which they paid upfront.
It would be undisruptive for you to re-apply with someone else and see if you achieve a better rating before cancel your first policy. Once the 2nd policy is approved, you have the opportunity to accept or reject it anyway. Just don't gross a habit of rejecting too masses policies as this becomes division of your permanent text in the Medical Information Bureau explicitly shared by all insurance companies. So too oodles rejections/cancellations will eventually affect your "rating".
Help near insurance ...?
Question:
Plz explain the following as my info about insurance is minimal.
"any injury or disappearance will affect the loss-premiunm ratio, bringing higher premiums to to adjectives employees subsequent year."...and what's the "loss-premium ratio"?
Answer:
Basically this says "if we remuneration out more money than we bring in on your portrayal, your premiums will definitely shift up." If you pay $100,000 surrounded by premiums and the company pays out $120,000 in claims, your ratio is 10 to 12, and you will go and get a rate increase.
money paid out contained by claims as compared to money paid surrounded by in premiums.
The simplest style I know to explain it is
It means the company's workers and dependents had more $ salaried out in claims than they estimated... Next year's premiums for the entire group will turn up, because the amount of premiums paid, isn't plenty to support of amount of dollars paid out. The dollars compensated in as premiums, shouldn't equal the cost of claims. There's a formula used surrounded by insurance that calculates how much premiums should cost, for any # of inhabitants.
USA TODAY cover story. Insurance Industry; Screwing you out of your 'Peace of mind' taking your money upfront?
Question:
Details that you may not remember contained by your daily lives that they ask for on an application can f*^$%# you out of and steep you in debt for multiple thousands of dollars, a moment ago because a "minor" detail that you forget to list on your app allows them to investigate and rescind your policy, retroactively, thereby sticking you short the peace of mind that you purchased many months earlier. Wouldn't you want to sue? Large punitive damages as well? Aren't the marketing used by the Industry misleading and fraudulent? Judge by your own experience if you answer. In finance thank you for your 2 cents.
Answer:
Wouldn't I want to sue? Well, the back of every application allows them to investigate. The policy conditions contained by combination with state law allow them to rescind a policy in cases of stuff misrepresentation, within a guaranteed time period (varies by state and policy type).
The sound out is, what kind of 'details' are you forgetting? That you hold AIDS? That you breed and fight pitt bulls within your back courtyard? That you have a business surrounded by the home? I've written THOUSANDS of policies, and have never have one cancelled for material misrepresenation - oh, yeah, except one - where on earth I ASKED the person if they have a trampoline, she said NO, but an inspection later that week revealed a trampoline ( right up against the side of the brick house, how silly is that?).
So, who do you want to sue? YOURSELF? for forgetting something on the application? Punative damages? Guess you want to drive more insurers out of the bazaar in your state.
Marketing by property/casualty insurance industry is NOT misleading or fraudulent - in fact, it's practically non-existant. Even the life and annuity guys DO net an attempt at disclosure.
Most of the time, the client either boldly lies, honestly forgets minor details, or doesn't want to bother. I've had clients ask me to steep out the application & answer the questions beside "what the insurance company wants to hear". I don't do it. THOSE are the clients who will own problems down the line, consequently blame their laziness and dishonesty on someone else.
yes
mbrcatz17,
You get my vote on this one.
Thanks for the great answer.
What is the difference between risk control and loss control within the insurance industry?
Question:
When looking for a job surrounded by the insurance industry, which position would you chose as a safety professional?
Answer:
As a safekeeping professional - you want loss control.
Risk management is adjectives about identify the risks, and deciding how to do paperwork them - whether avoiding them, trying to transfer the risk to a business associate or insurance company, or assuming the risk.
Loss control is the total safety point - that is, you already enjoy the exposure, you just involve to try to minimize potential losses. Loss control is more "hands on" than the risk direction, IMO.
Risk management is the process of measure, or assessing, risk and developing strategies to manage it. Strategies include transferring the risk to another event, avoiding the risk, reducing the negative effect of the risk, and accepting some or adjectives of the consequences of a particular risk. Traditional risk administration focuses on risks stemming from physical or legal cause (e.g. natural disasters or fires, accident, death, and lawsuits). Financial risk command, on the other hand, focuses on risks that can be manage using traded financial instruments.
Loss control is actions that an insured being or company takes at the instigation of an insurance company contained by order to prevent accident or losses.
When looking for a job, you want to look for Risk Management job, or possibly Safety Engineer, if you have the recommendation for it.
I think both of the above are fine, but I'm not sure anyone explained that loss control is a subset of risk guidance.
Can I fetch two homeowner fire policies?
Question:
After reviewing our current policy our homeowners have acertained that our policy is not tolerable to rebuild.
building costs hold soared to almost $500.00 per square ft in this
sand community where fires are a constant threat.
We age going to ask for a policy beside an additional i million dollars
but what if we are turned down?
we cannot restructure with the current policy.
Answer:
You can to be sure carry two homeowners policies, but they don't respectively pay the policy goal - they'll pay you on a "pro rata" argument, WITH the coinsurance clause still applying - in other words, they don't "stack" over each other.
Your current insurance company should be THRILLED to hold you increase the limits to 100% of replacement cost, HOWEVER, your dwelling target might be above their capacity, depending on who you are near.
SERIOUSLY consider switching to a CHUBB policy, they do have the cadillac of insurance policies, and you wouldn't regret it.
You own elected to live in one of the most desirable places on this dirt. Fortune has smiled on you. But you take the cost of this venture next to you when you ask for insurance, because to an insurance company your property will become involved in a primary loss. It is only a thing of time.
Your coverage amounts have increased for a few years, during this time the cost of rebuilding( which is a thought of the desirability) have increased exponentially.
The loss frequency of fire( which you mentioned) is a actual cost factor to insurers. Not to mention catastrophic flood, and wind exposure. This is why some states own elected not to allow rebuilding in knob areas- this is done to protect life and the fortunes of folks similar to you.
Higher premiums will get you your coverage. You may enjoy to ask for Lloyds of London or Chubbs to insure. Ask you present company if you can get a 'rider' near a co-insurer such as these.
You can get two different policies, but most companies will ask within application if there is other insurance. If you answer truthfully, they may turn you down. If you do not, they may enjoy the right to deny based on misrepresentation of facts on application.
Ask your insurer if they enjoy a true 'replacement cost endorsement'. These will generally come surrounded by percentage increments of 25%. i.e. Form 1 pays 125% of listed amount, Form 2 150% etc.
Also ask if they hold field underwriters who can request better coverage amounts.
God help you if you are insuring beside a Dot.Com insurer. If you are, seriously consider talking to a local insurance agency, one that know where you live, and how much it really costs to repair or replace homes such as yours.
Good luck.
What is the difference between a dental provider and a dentist?
Question:
Answer:
Provider is more of an insurance term. The PPO will enjoy a list of within network dental providers. That register will be their list of within network dentists.
So I guess at hand really isn't a difference.
I obligation to know if i Get Birth Control from my doctor will my dad be capable of bring up to date from the insurance?
Question:
I live in Texas and Have Blue Cross and Blue Sheild.
I am wanting to turn get on Birth control, But i inevitability to know if it will show up as Birth Control on anything my dad will get from the insurance company? I am almost 18 But I do not want another Fight With my Father,I am trying to be responsable, Please serve!
Answer:
It's very difficult to make clear to without seeing an EOB from your specific BC/BS delivery service, however, I'll try to clarify some things for you.
When your doctor sees you, he will probably do an exam of some sort. The object for the visit (or Diagnosis) will be taken down within the chart. In this case the function for the visit is "Contraceptive management" These two things (the exam and the diagnosis) gain converted into Medical codes, and are placed on a claim, which is sent to your insurance company like so:
01/29/2007 - 99213 (Office Visit - Moderate) - V25.7 (Contraceptive management).
If your doctor prescribes birth control pills, this is NOT put on the insurance claim.
HOWEVER, if you go and get some other form of birth control that requires more work on the doctor's part eg: Depo-Provera or an IUD, this is a separate procedure, and is billed to your insurance company similar to so:
01/29/2007 - J1055 (Depo-Provera 150mg) - V25.7 (Contraceptive management).
So...
The thing to do here is to amount out whether or not your insurance company prints the Diagnosis on the Explanation of Benefits (or EOB) that will be sent to your father. Blue Cross Blue Shield always prints out the procedure that be done, so if you get Depo, or an IUD or something similar, it will show up on the EOB and your father would know.
If the insurance company doesn't print the diagnosis you could smoothly go contained by and get a prescription for birth control pills, minus that diagnosis showing up on the form. All your father would see, was that you have been surrounded by for an exam.
Keep in mind that nought prevents him from calling BC/BS and asking them what the diagnosis was over the phone.
Your best course of handling is to do the following:
Schedule an annual pelvic exam with your OB/GYN. Women who are sexually alive should be getting that done anyway. Whilst talking beside the doctor, let him/her know that you'd also approaching birth control pills. He can prescribe them for you, and no one's the wiser. Even if your father did call the insurance company and find the diagnosis, you could smoothly chalk it up to a mistake, as Doctors often prescribe birth control pills for bleak menstrual cramps.
Now this does not mean that you should jump to the doctor and try and get the Pill by complaining loudly of cramps. He might only just give you Tylenol. The cramps are simply a backup story for your dad.
Hope this helps!
EDIT: I forgot, but I suppose the other piece that could happen would be for you to do something stupid approaching pay for the pills near his credit card, or hand the pharmacist your BC/BS card. In any of THOSE cases he'd definitely know.
freshly tell your father that you own bad peroids and you inevitability it to make them shorter and smaller quantity painful
I hold Blue Cross Blue Shield insurance. Any medications that they income for show up on the paperwork they send me.
I don't know, but I cogitate he should, unless you go through a find or something. If you really wanted to be responsible you wouldn't be have sex now.
ask your doctor everything is supposed to be confidential but if it will show up walk to your local health clinic. They should be capable of get it minus anyone knowing.
Go to the health clinic they might advocate you, acting responsible is better than having an unwanted child, which will be worse for your parents, and remember accomplishment with forewarning and know the partners that you enjoy always use protection, diseases are so uncomplicated to catch so
try and see,besides what happen at the Dr/s office can not be divulge even to your parents piece of the privacy act
It will not show up on the moorland stuff from the DR but will on the prescription paperwork when you fill the prescription. If you really don't want them to know they you requirement to go to planned motherliness or your local health clinic and remuneration for it yourself.
i had like problem.. i went to my doctor and told her that i hold very painfull particularly long peirods and she gave me a perscription for b/c.. i also asked her to bargain to my parents and tell them that i needed it for crapms not because i be having sex .. it worked out great.. try that.. or if u hold a local sexual health clinic u can usually return with it for free there next to no paper trail.. planned motherhood supplys b/c too for free if u have an department near u. virtuous luck.. p.s i think its severely good that u are trying to be responcible if ur sexually stirring.
Find a free clinic if you must.
But if you want to be responsible why are you getting sexually active while you are still a juvenile? Just because you want birth control pills doesn't engineer you responsible.
Your father has every right to find upset. It is part of his RESPONSIBILITIES to you to protect you! His anger is his fright for your personal safety. He used to be a childlike man. HE KNOWS what teenage and hasty twenty-something guys can be like.
Just because you are almost eighteen doesn't anticipate you are a mature babyish woman. You are still very childlike. Just because you're going on the pill doesn't mean you are protected from STDs or a broken heart when the guy dumps you.
Remember your body is precious and you inevitability to protect it until you find the man you want to MARRY.
Oh, and it is NOT responsible to sneak around and LIE to your father.
Yes I have blue cross blue shield of Maryland and it will show up on the newspaper work they send within the mail! If I be you I would just move about to the health department or a clinic where on earth they go by your income and that track you probably wont have to pay cheque any out of pocket expense and there will be no composition work.
He'll know you went to the doctor, but he won't know roughly speaking any prescriptions you were given, or WHY you go to the doctor.
Your doctor isn't allowed to tell him why you go, either, lacking your consent (because you're over 14, and in Texas).
If your Dad pays much attetion to his monthly statements from Blue he will most likly wonder why he is anyone billed for B Control. You will get caught. Since you are almost 18, why don't you try conversation to him about it.?? Ask him if he would fairly pay for BC or be a G D??
DO NOT walk through your regular doctor or use your insurance if you don't want your parents to know about it. There are plenty of clinics where on earth you can get birth control pills, you'll want to pay packet cash, and don't even contemplate about using your medical insurance. Be sure you use condoms as resourcefully for prevention of STDs.
What happen to the body if the human being died didn't enjoy any enthusiasm insurance?
Question:
Answer:
The person can request their body be donated to science since they die, or the nearest relative makes arrangements near the funeral home to pay for the funeral. If the individual is homeless and no relatives can be located, they can have a pauper's funeral and the state/county will recompense for it.
Same as happens if they did enjoy life insurance.
Their relatives enjoy the body buried or cremated. If there are no relatives, the municipal authorities will hold the body buried in a municipal churchyard, in whats call a "pauper's grave".
The body will be burried. His family will achieve nothing.
The two are not connected.
if the personage was indigent (broke) and their house could not pay for a funeral they carry buried in a potters grazing land.
Then you take the check you draw from from Social Security which is only a few hundred, consequently the family have to pay the rest out of pocket. Most funeral homes will trade name arrangements for you. If your family can't afford a funeral, you may want tothink roughly cremation.
The family get stuck with the burial/funeral bill.
I don't construe life insurance is going to serve what happens to the body one agency or the other. Once they die, they start decomposing. Life insurance or no life span insurance.
It's up to the next of kin to wish.
I don't understand your examine. Life Insurance has nil to do about what happen to your body after death
Approved for disability and recieved first check, how long until that time I bring pay for earnings?
Question:
If I have be approved for long term disability and hold received my first check, how long until I recieve my check for back wage?
Answer:
Varies from 2 to 6 months
Pester them politely on a weekly foundation & maybe you can carry it down to 2 months.
Where do I progress online to see if my actual estate liscense have expired contained by florida?
Question:
Answer:
To the Florida Department of Business and Professional Regulation Website.
http://www.state.fl.us/dbpr/re/index.sht...
Good luck!
What different types of vivacity insurance is near?
Question:
Answer:
I just written a blog give or take a few all the different types of life span insurance out there. There's lots to read, so I'm not going to post it adjectives here. Go here to see my blog: http://obe231.blogspot.com
If not, well, here is the detail of all the kind of life insurance out in that. There are basically two types of natural life insurance, but each type have different names and different functions.
Type 1: Cash expediency life insurance
Names: Whole duration, Universal Life, Variable Life, Variable Whole Life, 20-Pay Whole Life, Variable Universal Life, Whole Life to Age 65, Endowment insurance
Type 2: Term insurance
Names: Level Term, Decreasing Term, Increasing Term, Renewable Term.
http://obe231.blogspot.com
There are 3 categories,
1) Single premium
2) Individual Life
3) Investment Link
All this type hold 8 type
1) whole energy
2) medical
3) hospitalization
4) critical illness
5) personal luck
6) education
7) retirement and
8) investment
together life
medical
hospitalization
critical illnesspersonal catastrophe
education
retirement and
investment
I'm thinking of cleaning houses as my opportunity. It's in recent times going to be me so do I stipulation insurance or anything?
Question:
Answer:
"Need" is a relative term. Cleaning houses is a massively popular, mostly uninsured, under the table agency to get income.
Insurance is going to cost you roughly speaking $1500 a year, the first year, and will only cover you if you win sued because you did something negligent that cause someone else injury. It's NOT going to cover if you accidentally break something while dusting.
Bonding doesn't cover what most people come up with it does. Even if you have liability coverage, you probably DON'T stipulation a bond, unless you're looking for government work.
Most ethnic group that do it on the side, can't afford the insurance.
Yes, you will...
you may need insurance, because clients will be smaller amount likely to hire you lacking insurance, unless you have satisfactory clients already.
I'm not sure about insurance but you inevitability to be bonded.
yes incase someone claism you stole something there is insurance to protect you from this
In several states I own lived in, Texas, Illinois, Kansas, Florida, most house cleaners are bonded and insured. I would not, nor do I know of anyone who would tolerate a stranger into the house with out bond or insurance.
not as far as i know, but you will inevitability personal insurance, since the job will not hold health benefits.
Check near the Chamber of Commerce in your home town. You will categorically need to be bonded, so my hunch is you will also obligation to be insured. Each state has different law. Hope this helps for a time bit. Annie
If you're getting paid below the table, getting insurance might blow your cover.
Better you have one, because if something arise to you and you have a insurance.
I would not expect so. Cleaning houses does not require you to file for a business license. I know profusely of people that do that on the side. Even if you do it as your charge, I really do not think you involve to have adjectives of that stuff. As far as reporting what you earned to the IRS for duty purposes, that is a different story. You should ask someone who know taxes about that one.
you want to be insured and bonded.
WIth most businesses insurance is recommended and in most states required. Check out the below website for extramural information. Good luck
- Carye
http://www.iboplus.com/40485726...
http://www.everyonebenefits.com/40485726...
finding change importance of present policy?
Question:
policy No.22 646 085 A
Answer:
your policy should have a chart that shows how much bread value you are guarantee to enjoy each year.
If your change value is human being invested in the stock souk, the company should send you an annual statement.
you should consult your existence insurance agent, ask him or her. He/she should get administer her/his best service to you.
I can't believe you put your policy number online...
Anyway...Call your insurance company and they can give you adjectives the info you need, as long as you are the owner of the policy...