Postal Life Insurance Policies?
Question:
Plz. guide... whether POSTAL LIFE INSURANCE policies are open to NRIs? And how r these compared to LIC's policies... Any suggestions. Please do advsie. Thanks
Answers:
No it is not Possible for a NRI to invest surrounded by Postal Life Insurance.
Only people working contained by Government or Semi Government bodies can take policies through Postal Life Insurance.
You can choose to hold the insurance from LIC or any of the Private Insurance Companies in India. All products are outstandingly competative.
Hope this answers your questions ?
They are on similar smudge to LIC's policies and both are safe and guaanteed as they are both back by implicit government guarantees.
apposite
Can the insurance of a coup¨¦ I own cover 16 year older girl driver?
Question:
Answers:
The first question is whether this girl is a contestant of your household. If she is not, and she is not a regular user of the car, (e.g. you buy the motor and give it to her to use), next she would be covered as a permissive user like anyone else you tolerate borrow your car.
If she is within your household or a regular user, you should notify your insurance carrier. Yes, it will cost you more, but if you don't, you risk have your coverage denied.
If you decide not to report your insurer about her, and she get in a wreck, your insurer will discover this during the claim investigation. If they can show that they would not enjoy accepted your policy if they know about this driver, or that they would own charged a substantially increased premium to insure this risk, they can void the coverage for this claim. This would sign out you on the hook for the damage.
Make her draw from a job to pay envelope for the increased premium. It will teach her an momentous life lesson.
Maybe...
Yes, adjectives insurances will cover them but it can cost considerably more.
Well it depends on what country you're in, what the legalized age to drive is, does your insurance only cover you (the insured) or other drivers aswell, and even if it does cover other drivers, does it individual cover other drivers who are named?
Ring your insurer and ask them as they're the ones who will know adjectives the answers relating to your insurance
Your daughter? You will need to articulate to your insurance agent. There may be an additional tax to add the girl to your insurance policy.
Both drivers and cars are insured. If you lend your coup¨¦ to someone else, most policies will cover YOU. That is, if she gets into an luck, your own liability would be covered by your insurance. The victim could still sue the driver separately (though who know if it makes sense to sue a 16 year old).
But that's if you lend the sports car to an outsider. If the 16 year old lives contained by the same house as you, you are supposed to hold coverage for all the drivers within the house. Your insurance company *might* refuse coverage if you didn't relate them that there be another licensed driver in alike household. A lot depends on how good a customer you enjoy been adjectives along. If you have have a policy with them for 20 years and never have a claim, they are more likely to be flexible.
Bottom file: the safest thing is to ring the insurance company and ask them whether they would cover your particular situation. Good luck!!
May be
In adjectives of the areas where I live, you would own to call the company and public notice her as a driver if she is a member of your household. To find out whether a 16 year infirm who does not live with you can borrow the saloon from time to time, read your policy.
Some insurance companies insist that younger drivers be added to your policy even if they do not live at home if you are a parent, so you might want to be a little cagey when calling your agent.
If a driver who should hold been added have an accident, the insurance company might deny adjectives claims arising from that accident, so be severely careful beside this.
If you list her as an hand!! If she's not listed, and a regular user, OR a own flesh and blood member, it's promising she'd not be covered - and possible your car wouldn't, any.
If she borrows your car w/ approval she would be covered. If the insurance company finds out that this person have regular use of your car, they will make the addition of her to your policy. If this is your daughter you're referring to, by definition she is covered but if you don't add her to your policy, the insurance company can deny the claim because you did not disclose adjectives licensed drivers in your household.
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If my patner puts my mark on his insurance forms would the money be in motion to me or his exwife?
Question:
Answers:
if you are refering to beneficiary form, the money will go to you. The insurance company will issue an consent letter. Kindly check the epistle and also the percentage of the distribution. The letter usually take 2-3 weeks to reach the policy owner. So if your entitle appear in the memorandum & indicate that you are the beneficiary than you are safe. This is to confirm that the agent in actual fact submit the form for processing and put your name surrounded by. Kindly keep adjectives this document in past the worst place. In the event of claim it is very adjectives.
If you were name as the beneficiary, the money would go to you, not his ex-wife or wife.
Which insurance forms? If you are discussion life insurance and you are the name beneficiary you will get the money. This is call Key Man life. If you are discussion about business insurance afterwards you will still get the money because you represent the business and I am assuming she is not and she have no interest in the business. If she does enjoy an interest in the business afterwards she could contest you getting the money but it probably won't hold up in court.
Who owns Columbia Life Insurance Company?
Question:
I am looking for a phone number to call Columbia Life Insurance company. I can't even find any information on this company. Anybody own a # or can tell me which company owns Columbia enthusiasm?
Answers:
Looks like it's domiciled contained by Bermuda. Which means it's privately held, and you're not GOING to find out who owns it. It's a convict company.
AM Best doesn't even list any contact info for it, so biddable luck.
Columbia Life and Casualty Co Ltd
A.M.Best #: 56761 AIIN #: AA3190041
Could this be it? https://apps.tdi.state.tx.us/pcci/pcci_s...
Columbia is the state capital and largest city of South Carolina. As of 2006, estimates for the population of the city proper is 122,819[1]. Columbia is the county form of Richland County, but a small portion of the city extends into Lexington County. The city is the center of a rapidly growing metro nouns of 703,771. The city's name is derived from a poetic heading for Christopher Columbus.
Located just 13 miles northwest of South Carolina's geographic center, Columbia is the primary city of the Midlands region of South Carolina, which comprises several counties within the central portion of the state. As such it is centrally located to the rest of the state. Founded within 1786 as the site of South Carolina's new wherewithal city, it was one of the first planned cities within the United States. The area is repeatedly cited for its high aspect of life offerings, beside its many cultural amenities, parks, and recreational features. At the confluence of two key rivers, Columbia is one of the best destinations in the country for kayak and canoe enthusiasts. It is also certain for its large number of independent theater groups. Columbia be recently one of 30 communities name "America's Most Livable Communities." The award was given by the Washington-based non-profit Partners for Livable Communities and honors communities that are developing themselves contained by the creative economy
What can you read out in the order of the policy: "Customer is other right?"?
Question:
Answers:
The customer thinks they are right, where on earth in reality the statement makes more trouble and misunderstandings than suitable. Working in Retail & Hospitality ancestors always feel that because they are the customer they can get their own mode. While working in a shoe shop society try and return shoes after they have tip off them for a year everyday and then constraint a new duo for free. They say that they are the customer and that they are contained by the right, where within fact they are dodgy and purely want something for free because they did not look after their purchase.
the only foundation a customer is always right is cuz the businessman can still get hold of their business as long as they agree with them. i dont enjoy anything to say to it...i cogitate buyers just do what works for them
It doesn't work contained by insurance. The first guy I ever worked for, had it right: The important insurance person have to know how to tell a personality to go to "heck" within such a way that they thank you for it afterwards.
I deliberate that is a stupid clich¨¦. I can't walk into a Porsche broker and demand a up to date car for $100. I can't step into a Mexican restaurant and demand they cause me sushi. I can't demand that the cable company allow me to violate movie copywrites.
Insurance have established contracts which provide for specific coverages because these are rateable risks. The state regulates the amounts charged to help ensure financial stability of the insurance companies. Insurance companies build claims decisions base on experience on how best to settle a claim. A customer doesn't have sympathy of any of these matters.
It's undemanding. In my business, the customer is ALWAYS right, even if he/she is dead wrong. My translation of to be precise "agree that the customer is right and has a valid point", but that doesn't be set to that I give the customer what he/she desires. I never tell the customer that they are wrong. I a moment ago inform them that I cannot give them what they are demanding, and why I can't hand over it to them.
I can say that its usually not true... Sadly, consumerism ain't what it used to be...
I live surrounded by california any recomendations on a insurance co for auto perfect prices?
Question:
Answers:
Yep, call a couple local, independent agents, and they can respectively give you a partly dozen quotes with different companies.
i would voice AIG if you have be driving for more than 3 years. otherwise Allstate. AAA umm kind of well brought-up but they dont give discounts every six months as Allstate does.
I use AAA - switched to it something like a year ago, they seem to hold the best rates around here. I have full comprehensible on the vehicle we enjoy now, my other insurance company charged me more for our other vehicle and we lone had the minimum required by decree.
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Farmers
How long can you be temporaley employed for?
Question:
Answers:
I do not know if there is a federal define. You can check by searching for the "United States Department of labor" pattern site - if they do not cover the item, they have local contact numbers you can send for for assistance.
There may also be local and state laws. Do like search as above except for "<your state name> Department of labor' and "<your state name> labor law."
Most of the federal labor laws allow the states to pass by stricter laws, next to wichever is considered more favorable to the employee human being enforced. Unfortunately, although most state laws are more favorable to the hand, they add provisions that if the interfere beside federal laws, the federal law take precedence.
Most law also depend on the type of business, where the business does transactions (across state lines?), etc.
A lot of companies own found ways around this. For example, there be a limit within Ohio, but 1 employer I knew avoided te problem by shifting the job title and timetabled responsibilities of their contracted labor every 6 months or so - even though the people continued performing alike tasks - this was probably forbidden, but it would have be extremely expensive to fight withoiut a clear outcome (though heaps labor agencies will undertake an investigation, they are not especially thorough or agressive in enforing the law, and tend to be lenient towards the employer surrounded by the current political environment).
Good luck. Go get em.
No much longer. You are fired.
it depends on the job/situation. if you hold been to a "temp agency" or a "staffing services", afterwards you are technically an employee of the staffing company going on assignments. so i guess it depends on the longevity of your assignments...it could be as little as a few hours or as long as weeks/months. it's really situational.
Most comapnies classify provisional employment as working for less than 6 months.
A hours of daylight, a week, a month, a few months.it depends on the owner and the type of contract you can negotiate. If you use a temp agency they will pay, for instance, $15 to a firm, $8 or so may be adjectives that goes to you.
So the longer you do a apposite job, the longer you'll be employed.
Usually up to 6 months, unless you're working through a temp agency, where on earth the agency pays you. Then it can be years.
Cheap travel ins for my on form 75 yr infirm dad to walk to usa to his grandsons celebratory?
Question:
i would like to buy cheap travel insurance for my dad who is 75 years hoary. in exceptionally good robustness, on no medication to go to his grandsons honeymoon in america for on week in need it costing him a fortune.
Answers:
I always recommend Insure For All (http://www.insureforall.com/) for senior travel insurance. A lot of other companies don't submission travel protection to over 65s and if they do they are very pricey.
They own won awards for the level and type of cover they tender so it may be worth giving them a call: 0845 8800694.
I run a quick policy for you base on the details you provided and got this quote:
Policy Name: InsureForAll single trip
Policy Price: lb78.25
Cancellation
lb3000
Curtailment
lb3000
Personal Accident
lb25000
Medical Expenses
lb10 million
Baggage
lb2000
Cash and Documents
lb500
Cash Limit
lb120
Travel Delay
lb200
Personal Liability
lb2 million
Legal Expenses
lb25000
Hijack
lb1000
Where are you? There are abundant travel insurance companies in the US, but you don't state where on earth he lives. American Express offers travel protection plans and the airports contained by the US also sell this through Omaha of Nebraska.
You didnt mention where on earth he was going mate, Bronx or somewhere a wee bit rowdyer.
He is travelling from the UK
If he have no pre existing medical conditions at all - I should be capable of do a low rate for him.
www.gothicinsurance.com
BTW - The squaremouth website below retuns ZERO quote from 410 providers for people aged 75- curvy lot of good specifically !
If your Dad is traveling from the UK, try the comparison site at Squaremouth.co.uk. The company also have a US site and a box that specializes in strength cover for people traveling to the US. This might be an remedy as you would pay contained by USA$ and the exchange rate for Brits is $2 to the pound.
USA Visitors health (any nationality):
http://www.squaremouth.com/visitors-insu...
UK Residents:
http://www.squaremouth.co.uk
US Residents:
http://www.squaremouth.co.uk
Saga or Age concern do travel insurance - sort sure you have something to permit someone else stay with him if he get ill, he does not want to be surrounded by a foreign hospital on his own...
Good uck
Hi
I know castle cover specialises in over 50s insurance. might be worth checking out.
dutiful luck
Jim
lb73.47 - try www.portwood.co.uk - lb40 excess X baggage.
lb86.44 including kit.
May be a discount and a cheaper rate with Norwich Union on the site.
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http://discount-travel-vacation-package-...
What is the best robustness insurance for children?
Question:
Answers:
There are several good vigour plans for kids. Which is the best depends upon your location, their age and gender, if they own any health concerns such as allergies or asthma, and what you want covered. If you own several days to research all available plans you could dig out the internet. However, if you visit your local independent condition agent you could find the best plan for your situation in an hour or two. The agent know the market within your area and you don't discharge any extra for the service.
Some policies include all immunization, which you need if your kids are younger but you may not want for elder kids. Other policies from the same company won't include immunization. Some include all lab and X-ray services included next to a co-pay, which you need if the kids are live in sports and such. Other policies from one and the same company don't. This is one reason why researching policies can be so confusing and why an agent will be favourable.
Blue Cross Blue Shield, it might seem a bit expensive at first look, but once you see your doctors bills, you'll be glad you have them. They cover so much and formulate things a lot more easier on your wallet.
Probably the Medicaid strength insurance, through your state Children's Health Insurance Program. The hard member, is finding providers who take medicaid - which really isn't that tough.
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Is it true that once I turn 18 I won't be covered by my parents' robustness insurance?
Question:
I am turning 18 in a few weeks, and I be wondering if I won't be covered anymore, I am currently a college student and I won't be able to afford insurance
Answers:
So long as you're a full time college student dependent on them.
Insurance companies wont mess around, you must be a full time student, and they usually require a copy of your transcript every semester as proof.
But so long as you are, you're covered.
As long as you're a full time college student (12-18 units) your parents insurance should cover you until just about 23-25. (this depends on the insurance company.) They will have to prove this every year at unambiguous enrollment.
no, its 24
21 or 23 and full time student
Depending on your state. In Texas, it is 23. You should be ok for now. What you involve to watch out for is after graduation, you may obligation to take out temporay vigour insurance until you find a job.
If you somehow are diagnosed beside cancer, etc in the suggest time or they can prove you had it minus constant coverage for 60 to 90 days, you will be denied.
Usually if you're a full time college student, you have until the age of 22 or 23.
In Arizona, Blue Cross Blue Shield lately changed the guidelines regarding dependents. A dependent may stay on the parents policy up to the age of 30, and they do not enjoy to be a full-time student. One of the largest segments of society uninsured, 18-34 years of age, this underwrite policy change will hopefully address the issue to some scope.
Depending on the plan, it may or may not be true. Here's some possible senarios:
1. You might be covered until the end of the month after you turn 18, or the finale of this year.
2. You might be covered until you're 19
3. You might be covered until you're 23 - as long as you provide documentation every semester that you're a full-time college student
Your parents need to phone their plan and find out which case of the above applies to you specifically.
Every insurance company is different. The easiest passageway to find out the correct answer is to call you parents insurance company and ask them.
Who put this thought in your organizer? Was it your parents or a friend? If it's your parents, they might be planning to drop you and just approved to tell you that it be because you're going to be 18.
No condition insurance.?
Question:
Public aid won't except me because we make too much. I can't afford strength insurance for myself and my 6 yr old is on adjectives kids with the state. Is near anything else out there that I could apply for??
Answers:
I'm guessing beside a 6 yo you're probably in your behind 20's. In my area a wearing clothes major medical next to doctor visits and prescription coverage will run you $75 to $125 per month, fundamental plans with predetermined benefits will run about $50. If you call round a local independent agent they can find a policy in your nouns that will fit into your budget. They don't charge any extra for the service.
Stay away from these medical discount plans. The people that trade them have little or no erudition of health insurance and do not necessitate to be licensed. The plans are not regulated by the department of insurance so you have little recourse when something go wrong with the plan. Some states are starting to order the sale of these plans. Here is a cooperation http://www.insurancejournal.com/news/wes... with information on one of these plans that enjoy been debarred from one state for two years.
If you are still tempted by a discount plan return with a list of providers since signing up with the plan. Call some of the doctors to see if they're still taking the plan and if they're taking trial patients. If you can't get a schedule or if the application fee is greater than $25 consider it a scam. Here is another informational knit: http://insurancefraud.org/discount_healt...
Do you plan on being competent to obtain form insurance through an employer in the subsequent year or so? When I was relocated I have to go on a short possession coverage it was really inexpensive $100.00 per month and it be top of the line coverage. The site be www. goldenrule.com I don't know if it is available in your state. Also you can try http://www.healthinsurance.org/... that might serve.
Have you checked out Ameriplan? It's a fee for service discount plan. It would lone be $59.95/month for you and includes free dental, vision, prescription, and chiropractic plans. You can read more going on for it at the site below.
If you lived in missouri or arkansas I could assistance you. My company has 40 different policys starting at $8 a month adjectives the way up to what ever you can afford. They hold been surrounded by business for 60 years and has be rated "A+" by A.M. Best for the recent past 39 years. The company is in 49 states and is name United American. If you live in Missouri or Arkansas though approaching I said I could help you.
When I be relocated I had to jump on a short term coverage it be really inexpensive $100.00 per month and it was top of the string coverage
The resources available to you probably depend a lot on what state you live surrounded by. State or regional agencies may be able to facilitate you. Take a look at the webpage listed below for potential resources.
Have you asked you employer to share contained by your cost of health insurance? Maybe your employer would consider this as a twelve-monthly contribution or employee incentive or as part of a set of your yearly earnings increase. It can easily be added to your paycheck or offered within a separate check. Here are few links for prices and comparisons review and present to your boss.
There’s a new company offering low cost individual strength plans in Texas for young at heart, reasonably fine people, and is a great condition insurance solution for people who are not covered through their place of employment. You buy into a plan at a super low cost beside fixed benefits that will cover the typical activities and preventative aid of a healthy individual. Then, if something catastrophic happens, you enjoy the option to attain additional level of coverage, even AFTER the event. Check them out at http://www.precedent.com Even if you’re not in Texas, my version is that they’ll be offering plans in new states soon. Hope this helps!
Question to ask an insurance agent earlier signing up?
Question:
I am meeting beside an insurance agent from AAA about enthusiasm, health and adjectives that jazz? Can you guys give me some obedient question to ask that will support me Understand better and know what they are and can offer? hook it up.
any net links would be awesome also
Answers:
My favourite question
1. claim procedures
2. exclusions (things that is not covered)
3. panel hospitals (if applicable)
4. premium and how it is mortal calculated
(some health plan increase base on age, change of form conditions and etc)
5. Is it guaranteed renewable after some claims?
6. WHat are the pre-existing conditions excluded and for how long??
7. Payment mode
8. Good luck
Not so much about what to ask the agent...fairly what the agent should be asking you. Like, what is the reason for this insurance? What is your budget? Etc...
Most significant . . . who's going to be servicing the account, and what are the hours you'll know how to reach them. Is it one creature, or a service center? And how convenient will it be to make payments?
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4yrs ago bought sports car lb4500 stll payinging same insurace premium?
Question:
all though motor only worth very soon lb1000 should i be paying less insurance due too depreciation
Answers:
Derek,
As an insurance broker who looks at rates for over 25 different companies adjectives day long- I can let somebody know you that 90% of the time the value of the vehicle does not affect the premium.
If you have full no claims bonus when you bought the vehicle & have kept Comprehensive cover later I would fully expect the premium to remain the same (or fluctuate simply due to general rate increase/decreases by the insurer).
The basic areas when the value of a vehicle WILL affect the premium are:
- If the vehicle is over lb15,000 (variable) consequently many insurers introduce loadings per thousand over lb15K
- Most insurers own a maximum value for TPFT cover (usually around lb4k, sometimes lb3 or lb5K) if the vehicle exceeds thesis limits you are commonly forced to go Fully Comprehensive (not by pressure but by bazaar forces as due to the market iot will be cheaper anyway)
lmfao mug
Sounds resembling you got taken, did they kiss you first?
If you still pass the same coverage and own no tickets or accidents and your credit have remained the same, it will be like peas in a pod premium. Auto insurance has abundant rate factors, credit mark, loss history and location are the main ones. Check beside you agent to see if you can reduce any coverages or tilt your deductibles, and if you qualify for any discounts. Defensive driving and renewal discounts are popular. You may want to shop around for a lower rate with one and the same coverages you carry in a minute. Insurance is a very competitive industry, so you can probably find a better rate elsewhere
Have you notify insurers of the reduced value of the coupé? They don't reduce the effectiveness automatically, you have to insist on them.
That said, most insurances work on a banding system so the rate for lb4500 may very all right be the same as for a lb2000 motor. Check with your insurers.
Has anyone ever used Baldwin Insurance contained by Holt Missouri is he an honest guy or an insurance crook?
Question:
Answers:
Aren't all insurance family crooks? I thought it was in recent times the degree...
The Missouri Department Of Insurance should be of abet.
www.insurance.mo.gov (573) 751-3518.
Intellectual Property on Statistics?
Question:
Hypothetical legal sound out:
Once a statistic has be discovered, can it be owned?
Say you purchase a statistical study done by an automotive research group on engine failure for a specific spawn & model of car. The study list failure rates base on mileage of the engine. The higher the mileage, the superior the probability of failure.
You find an insurance company explicitly interested in buying these statistics from you.
Can you supply this data to them? Specifically, can a statistic be protected by copyright and if so, what roughly other numbers derived from it (such as averages)?
Thanks in credit.
Answers:
You own the compilation, NOT the raw information rights. You can only copyright your compilation, and it won't "stick" if it's "obvious". You can't copyright unfinished math, either. You can't read aloud, ok, I've copyrighted 1 + 1 = 2, so now everyone who puts that equation surrounded by a book has to repay me royalties. Doesn't work that way.
Reminds me of an April Fool's jape years ago by the web site, The Onion - said that Microsoft immediately owns the rights to the numbers 0 and 1, you know, binary language? Very amusing.