Small business owners - what type of business and what insurance do you fetch?
Question:
We repair equipment on customer premises and carry nonspecific liability insurance, including coverage for property damage and personal injury. We don't convey workman's comp, only because the repair relatives (the employees) are also "officers" of the company - and our state allows us to be exempt from carrying it because of that. Thanks.
Answers:
You need business auto insurance on the vehicle that the repair people drive. Regular insurance won't rate any claims if you are using private vehicle insurance for business use. This can be an actual business policy or in most cases your regular insurance can be classified as business.
Depending upon your business you could possibly want to be bonded. Some clients won't use your services if you're not.
Will your business fall on sturdy times or possibly fail if one of the force dies? A life insurance policy would facilitate there.
yeah, economically, you're going to lose out on contracts because of not carrying workers comp.
See, regardless of whether or not YOU are required to carry it or can opt out, if you don't enjoy it, the guy you do WORK for is REQUIRED BY LAW to provide you with benefits if you're injured on his brief, and your employer doesn't have it. Trickle up suggestion, if you like.
So *I* advocate all my commercial clients, if your sub/vendor have no workers comp, for WHATEVER reason, don't allow them on your premises. Too much exposure - it JUST isn't worth it.
I ALSO advocate them, they need the cert of ins showing gl, commercial auto beside hired & nonowned, and of course, workers comp; and to not release expenditure until they have that cert.
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Can disability insurance be combined near fmla?
Question:
Answers:
A disability claim and an FMLA claim are two separate things, but typically run concurrently. So, you request a leave for condition or injury and FMLA begins and runs up to 12 weeks (longer surrounded by some states) - protecting your job while you are out. Your disability claim is file at the same time and, if approved, payments originate after you meet your expulsion period and run until closed or benefits run out. If your disability benefits verbs beyond the FMLA period, consequently your employer is no longer required to hold your position for you.
Most of the time, no. FMLA is for ANY family associate, disability only covers THE INSURED'S syndrome.
How to contact Blue Cross of California for card replacement? please serve!?
Question:
i lost my medical card and wrote them a letter, but they never replied. does anyone know the number i can ring up? i couldn't find it on their website.
Answers:
Phone: 805-557-6655
Web: www.bluecrossca.com
If you sign up on this site as a member you will know how to order cards, spectacle EOBs and much more!
http://www.bluecrossca.com/wps/portal/ch...
1-866-632-1321
What can I do to receive help out in need insurance?
Question:
I worked, but not long enough to obtain insurance. I'm a diabetic and have be out of work for approximately two months; moreover, my leg has become infected near a ulcer and next to no insurance I'm having problems paying my rent; within fact, I can't money the clinic any money because I don't have any money. There benevolent of warning if I don't trade name payments they won't let me see their doctor anymore. I don't know what to do and I surely don't want to loose my leg. Is here anywhere or anyone you know that would help me. I possibly might be even put into the streets because I can't pay my rent. I'm terrified and don't know what to do. I 54 years old and it's thorny to find a job I can business with at my age. I'm not surrounded by the best of health do to my diabeties. I've prayed to God to comfort, but still no answers. It seems approaching no one will help out. Even my sister talks more or less putting me into the streets. I live with her for immediately, but I believe in time she'll share me to leave. I don't know where on earth to go for lend a hand.
Answers:
You can go to the city hospital and be treated in attendance. We have a big city hospital that accept patients without insurance.
Also, they enjoy a lot of insurance plans that you can recompense for (if you can afford it) and get individual insurance. I know blue cross/blue sheild does this because my sister have to get insurance through them, but it may produce getting approval harder because you are having trouble near your diabetes. Good luck!!
Apply for medicare and SSI
You should be able to find medicare easy - and that will cover your visit
you can also go to your ER and they hold to treat you.
I'd suggest going out and grabbing any open-handed of job you can carry - hotel desk work is generally other looking for people, straightforward to do - doesn't pay much - but $6-7 an our is better than nought
You might be qualified for Medicaid, in reality, based on your story, I am reasonably sure you shouldn't have any problem qualify. Check out the link below and pious luck.
What is the biggest Insurance Company contained by the world?
Question:
Answers:
How are you measuring biggest? Most lattice worth? Highest reserves? Largest number of policies? Highest amount of property insured??
And are you looking at straight retailers, or reinsurance companies also??
Too vague a sound out .. .
American International Group (AIG).
Read article about them.
http://www.financial-planning.com/pubs/f...
Lloyd's of London
Hi,
Citigroup Inc. is a chief American financial services company based surrounded by New York City, formed from the merger of Citicorp and Travelers Group on April 7, 1998.
According to Forbes Global 2000 in March 2007, it is the world's largest company, next to total assets of US $2.02 trillion.
The company employs 327,000 staff around the world, and holds over 200 million customer accounts contained by more than 100 countries.
It is a primary dealer surrounded by US Treasury securities and its stock has be a component of the Dow Jones Industrial Average since March 17, 1997.
Skip
http://www.choicearizona.com
Certainly not my company. I am a one man show at the moment.
#1 ING
#2 AXA
#3 Allianz
#4 Fortis
#5 AIG
How do I find out give or take a few my departed dad's go insurance policy?
Question:
My dad left a policy to be divided between me, my cousin and his wife. They hold on to tellingm me that nothing have came, but different things construct me think differently. How do I find out info. roughly speaking his policy? Can I get it through Social Security? Help Please. Im starting college and entail all the minister to i can get!
Answers:
Is your dad's estate still be settled? Who is giving you this information? You might know how to contact the estate attorney, if there is one. If your dad name you as a beneficiary in a existence insurance policy, no one else can thieve the money from you. Estates and insurance money can take a while to settle. You might also tell to the executor or administrator of your dad's estate. It is usually the spouse, but may be someone else. They should know what policies were contained by place and other details. I would not count on this money for college if you are going away in the dribble. Look for other resources. As his child, you are guaranteed an heir even if your dad didn't hold a will (or unless he excluded you for some reason). Try to be patient, and articulate to someone who knows give or take a few the estate.
The Executor or Personal Representative [or whatever your jurisdiction call him] of your late father's estate is the individual to ask.
If the insurance passed through the estate, s/he has to bar it as the Will directs under authority of the court and subject to the court's rules.
If the insurance be to be paid directly [you be named as a beneficiary contained by the insurance company's records], the Executor should be willing to speak about you from your father's financial records and/or the policy itself which insurance companies he have policies with and the policy numbers, etc. Then you can contact the companies directly asking in the region of the policy.
It is possible that your father cashed in the policy you be told about and not a soul told you he did that. A possible reason might enjoy been to reimburse his medical bills, for example.
I can understand how a own flesh and blood member might be reluctant to share you that your father cashed the policy even though he'd 'promised' you years before that it would be nearby.
Of course, he could also have changed the beneficiary lacking telling you. Then it get tricky -- was he reasonably competent to do so when it is alleged he did?
And the Executor is where you start.
{Note: if the Executor is one of the other beneficiaries or closely related to one of them, you may want to petition the Court to hold the policy examined by the Court to assure that it is/was handled correctly. That is or may be your trial right in the crust. Ask at the Probate Court (or similar in your state) for how to do this if needed.}
Don't count on seeing any money soon.
GL
It doesn't work that route. Whatever his stated intentions were, the insurance company will divide the money however he specified on his second beneficiary declaration. IN other words, he might hold changed his mind from what he said, or he might have name ONE person near the hope that they would share, but they have NO OBLIGATION to share.
The claim get filed. The insurance company pays the beneficiaries directly. The transfer of funds will be made, in mundane circumstances, about three weeks after ALL the paperwork is file.
To find out, you need to jump through his personal papers, to see if there's a copy of the policy. You need to travel through his cancelled checks for the past year or two, to see which insurance company he compensated. Then you can try to call them, but if you're not the executor of the estate, they expected won't TELL you anything - as it's private information.
There is no "central database". Social guarantee is totally unrelated to it. And insurance transactions are private, so there's no "third party" you can go to to hold them research it for you. It's ONLY going to be about his peronsal papers.
First sour my condolences for your loss. I understand that this is a intensely difficult and confussing time.
Because Life Insurance is paid by contract, the best item to do is to contact the inurance agent that wrote the policy to make sure you are indeed one of the beneficiaries. If you are not programmed on the policy as a beneficiary I'm sorry but any will or trust will not reverse the contract. If you cannot find the agent, try contacting the issuing company... Social Security will have nil to do with this process.
Again my condolences for your loss.
Do most insurance plans cover treatment now?
Question:
I have Regence/BlueShield coverage that starts contained by about a week, so I be hoping it would cover some therapy.
Is this a standard these days?
Answers:
No, mental health benefits are NOT standard. It vary wildly by plan.
I'm guessing you scrounging physical therapy. Most plans individual cover a certain number of visit per year.
Most do cover a limited number of outpatient mental vigour sessions per year (30 is a common limit). But every policy is different. You should own a copy of your new policy, or be capable of get one from your possessor - so read it thoroughly to determine what coverage you have.
Yes, most do. You may also hold an (Employee Assistance Program) EAP available. Call the number on the back of your card & ask the representative roughly mental health benefits. apt luck.
What's a craft approaching beside modern york vivacity insurance company?
Question:
Is working for them a good job opportunity with apt earning potential? Or is it close to telemarketing and 100% commission based?
Answers:
As a New York Life Agent we own a saying, "this is the toughest work you will ever Love!"
They have the best training program surrounded by the industry, and the earning potential is outstanding. There is abundantly of calling as there is next to anyone in this industry, but it is completly up to you how much of it is cold calling, or if you want to use heat up leads. The first three years have a training allowance, that you will be slowly weened of, and in your fourth year you will be 100% commission base (unless you get the correct license to charge a fee for your advice). This is one of the few proffessions where on earth you can truly get rewarded what you're worth.
If you truely want to make a difference contained by the lives you come accross, this is the company to do it with. I enjoy been near them 2 yrs, and I would never go anywhere else!
I own a friend who was beside New York Life. He told he a few years back that after he'd be there 20 years, he be 'vested' in his clients and earn continuing commissions on their business -- this is/was their form of retirement, I guess.
Other than that, I have no first paw knowledge. And it might hold changed.
Obviously, there'll be lots of cold calling ... I'd guess 50 plus per day, 300 days a year to win started. [Which is what my son did when he started with one of their competitors.]
GL
I am an agent near New York Life since February of this year. I have never grown so much contained by my life as I enjoy from the environment and training that I have received.
Insurance is not an confident business, if you are willing to work, after you will be successful. If you want a paycheck for showing up then this isn't the occupation for you.
I love what I do. I am constantly amazed at the things I discover about myself, relations, circumstances...everything!
If you are bored in your current position and want a goad. I suggest insurance as a career and New York Life as an employer. They've be around for over 160 years, they're doing things RIGHT!
Email me for more info:
lbromley@ft.newyorklife.com
I started on the career-side of the business too - with John Hancock. The job side is definitely the place to start because the contracts are so robust for the managers and upline, they are inclined to invest in you as a producer. I individual left once I feel I had literary what I could. Most agents don't make it regardless of where on earth they start, but a strong brand and dedicated manager will help.
Can i grasp a impermanent robustness insurance for 2 yrs until i graduate and start my livelihood.Also which form insurance
Question:
has devout benefits and is affordable.I need help out choosing one
Answers:
Sure, you can get private vigour insurance for a few years. If you're healthy, no preexisting conditions, you can bring back a policy for about $250 a month, beside a very low deductible. If you want greatly less to clear in premium, you'll own to take a big deductible - resembling $4,000 a year before the insurance kick in - but consequently it should cost you closer to $100 a month.
Your university probably has a student condition insurance plan that is conceivably priced. I would check there first
Generally speaking, vigour insurance offered through the university is not the best. Most temporary/short-term policies can only be surrounded by effect for 6-12 months. Your best bet will be to simply purchase an individual policy from a reputable company such as your local Blue Cross Blue Shield.
I don't know what state you are in, but a company call Assurant offers Student condition policies - tailored to college students. Check out their website - or, in PA, your local State Farm agent carry this Assurant policy.
There is a new company call Precedent that is getting prepared to launch in Texas and will grant low cost individual health plans for young-looking, reasonably thriving people. You buy into a plan at a super low cost beside fixed benefits that will cover the typical activities of a tough person. A 25-year-old (and under) wholesome male would reward under $100 a month for deep-seated coverage. Then, if something catastrophic happens, you own the option to win additional level of coverage, even AFTER the event. Find details at http://www.precedent.com - even if you’re not in Texas, they’ll be offering plans within additional states soon. Good luck!
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They destroyed my laptop?
Question:
Hey guys right now I am absololutely furious I sent my laptop through canada post and they ******* destroyed it. Is here anything I can do I didn't put insurance on it.
What can I do? I spent ******* 1000$ of my hard earn cash as a busboy to buy that ******* entry.
Answers:
Nope, can't do anything. You didn't buy insurance, AND, likely you didn't pack it amply. If you put it inside bubblewrap, inside a box, and inside more bubblewrap, and another box, it makes it pretty tricky to destroy.
Sorry this happen to you. Without insurance they probably can't do anything for you. Try your homeowners or auto insurance policy to see if they would cover this loss.
My friend wishes to pretend his disappearance for insurance money?
Question:
any tips ?
Answers:
your friend sounds like a exceedingly hard worker and also extraordinarily hott and even more also not an idiot. perhaps adjectives he needs is a sugar momma to hold on to him in procession and encourage him to live by financing his select zombie van force. if no such woman of courage exist and the death fictitious fails and he survives the column of fire afterwards he should take solace within that i...i mean he luvs sammiches and demise fake is white collar prison crime not a federal pound u surrounded by the *** prison crime.isnt it? maybe someone should look into that..
explicitly illegal.....
i own no idea
Don't do it...you'll grasp caught!
lmao yeah dont put that on here...feds are always watching!
You could do what Elvis did.
nope.
Plan thoroughly. You only carry one mistake "faking" your death.
i.e. a HORRIBLE idea!
Tip 1: DON'T DO IT
why FALSE it?
Sure, tell him to tie a brick to his leg and go underwater in the hudson river. after turn yourself in for assisting.
youre kid right?
your friend is an idiot
ahh... dont do it!
that's called fraud..and he will travel to jail forever and ever.
karma!
Yeah. I hope you approaching bologne sandwhiches! You are going to eat a great deal of them in detain!
Thats illegal i give attention to lmao, good luck son lmao
not worth it. time.
Yea...then he can spend adjectives the money from prison with big BUBBA as his cellmate!
don't do it lately take out a lone if he get caught he could go to lock up
tell him to bring back his tips from www.fbi.gov
Aiding in commission of a felony is a felony... hope you guys are cell-mates next to Bubba and that he has a dutiful time.
I think he should supplicate for somebody's medication pills asap.simple
drowning in the ozean cannot be proven (unless CSI is on the case---they solve everything...lol)
stage a missing folks..thingie lol get posters n such.
i know this is criminal...but if i asked this question, ego want answers.so..there ya run.
someone can call and vote they saw ur friend being whitewashed...and left for unconscious? lol i dunno. how bout that
YES! Don't put it on RunEye.com.
P.S. Get a 'new' friend. :-)
Yea, DON'T. Your friend willnever get away beside it and he or she. will go into prison a existing long time. Trust Me, it's not worth it.
well thats really stupid...angelic luck on that!!
Your friend ought to prepare himself for a lengthy residence in prison. Insurance fraud is a felony that is to say prosecuted vigorously. If he in actuality believes himself to be smarter than the collective intelligence of insurance fraud investigators he will be in for a a bit unpleasant surprise.
Ummm, why dosen't he just copied a broken rib or leg, that is ALOT easier!
Tell him to progress ahead and collect it the regular way.
Has anyone hear of the Tri State College Accident and Sickness Insurance Plan?
Question:
This is the insurance my school offer, but I was a short time ago wondering if anyone else has hear of this insurance or are covered by this insurance. Is it decent coverage? If you hold any information about it I would really appreicate it. Thanks!
Answers:
This plan is not a through medical plan. The coverage on this plan is very adjectives and very constrained, such as they'll only money $400 per day if you're surrounded by the hospital and they'll only payment $250 at the ER. It is better than nothing and the premiums are credible. Here is a link to their brochure http://web.basis.edu/studenthealth/pdf/... explaining what they cover.
You may want to call a local independent agent to see what else is available to you. There are plans that are better, you'd a moment ago need to weigh the premium and coverage beside Tri State against the premium and coverage of an individual policy.
I can afford apposite vigour insurance. Which company would you reccomend for a ppo policy.?
Question:
Answers:
Yes, it depends upon where you live, your age and if you hold any current health conditions. The best plan for me within my area may not be available within your area, and if it is it may not be the best plan for you.
You should pop in a local independent agent unless you have the time to compare the nearly 1000 policies that are available on the internet. The independent agent know the market within your area and can find the best plan for your situation surrounded by an hour or two. They don't charge any extra for the service and will be there to serve you after the application.
blue cross blue shield
depends where you live
Definately IAB. They partner near the largest PPO network provider Beechstreet. They proposal discount and insured benefits at an affordable price. Also they throw in lifestyle benefits. You grasp the complete package such as dental insurance, chiropractic, prescription plan etc. along beside the health coverage. Go to http://www.iabfreedomforlife.com/members...
If you choose to enroll, be sure to enter 87514 as the Sponser Advocate ID. If you own any further questions sent me an email
In common, How much does sports car insurance travel down after conjugal?
Question:
I live in Seminole County Fla, am 22 and getting married. I reward 135ish a month now, how much does it usually shift down??
I'm not asking exact just a rough estimate?
Answers:
Maybe $25 a year. IF your mannish, and your wife has a verbs driving record. For women, it doesn't budge down.
Before we got married we have seperate policies. I paid $198 and he remunerated $252 a month. Now together we pay $210 a month for the both of us. It droped over $1000 past its sell-by date our total policies for 6 months. We both had like peas in a pod company before, and stuck next to them.
I may or may not. If you marry someone who has a impossible driving record, you may not be capable of add him or her as a driver contained by your household, thus receiving a see notice your self from your company. If they own an additional coup¨¦, with some companies, you will hold to insure that car once it is surrounded by your household.
how old is ur spouse cos his age will hold influence on it as well. it might stay impossible to tell apart or it might go down $5-10 nearby are other factors to look at also. tally another car will afford u some of a discount, what kinda car how aged. so ur best bet is to call ur insurance and ask them and they will be capable of tell u an estimate
That's a dutiful question for your insurance agent. The answer for any picky person depends on too plentiful things - age of both people, driving accounts, etc.
Could be as much as around half, or could be nil or next to nought. Your agent should be able to detail you.
What company offer moral energy insurance?
Question:
What kind of question do i need to ask them, what to look for, etc. I'm looking to purchase 500k (ea.) for me and my wife.
Answers:
First of adjectives: Congradulations on making a decision that too various people "never get hold of around" to making.
Questions to ask regarding the company:
What are their ratings next to all the rating companies: AM Best, Moody's, Standard and Poor, and Fitch. The ratings are purely like hindmost in institution... the more A's and A+'s the better the companies financial strength.
Ask the agent to produce the company financials to their policy holders or stockholders (depending on if you want to go beside a stock company or mutual company, there are BIG differences between the two).
Ask the agent how repeatedly they are in contact next to the underwriters and the company throughout the process and afterwords... it wont help you if the agent doesn't find out that you missed a transfer of funds for three or six months.
Ask the agent how they get compensated... it will either be by commission or by flat duty... possibly a mix of the two. Don't worry if they win paid by commission one and only, this actually give them more insentive to give you the correct warning for your situation, as they want you to be happy near their services and hopefully you will be willing to abet them grow their business by introducing them to the people you guardianship most about. Of course they obligation to earn the opportunity for you to this for them... so pay attention, are they asking you question about your situation, where on earth you want to be financially in the subsequent 5, 10, 30 years from now? Are they if truth be told paying attention to you, or are they lately nodding their head and going into their "sale speach"?
Getting a good agent is freshly as important as getting a suitable company to back the insurance. You want to construct sure that this agent is going to be around when ever you need them. Ask them if they hold succession plan for their practice. Later if you decide to business next to this agent, and their succession plan is of importance to you, ask to get together the other agent in string so that incase anything happens to your agent, you already enjoy name and a frontage to go next to.
As far as what company offer appropriate life insurance, near are many, tons good companies out in that, I personally jump with New York Life. They enjoy been around over 162 years, they hold the supperior ratings from all the ratings companies and they create the standards for everyone else.
ANY company that's A rate is good. It's adjectives about the type of policy you want (which meet your needs best) and pricing.
A local, independent agent can comfort you.
Geico.
Your auto and home owners compnay probably offers duration insurance as well. plus they might pass you an additional discount near adding this unusual line of business
The chief question is: What have changed in your enthusiasm to make you believe that you stipulation the insurance?
Do you have kids? Then yes insurance is a devout idea.
Do any one or both of you work?
Do you have ample money saved, at this time, that any one of you could live in indistinguishable lifestyle, after the passing of the other, that you are used to in a minute? The answer yes tosecond and no to third- insurance is a good impression.
The above are personal questions to ask yourselves.
To be sure, you should do business beside a well rate company. Be sure that they have adequate in the channel of assets to cover a large number of funerals and still be economically viable. Make sure the agent have YOUR needs first and foremost contained by his/her mind, and not the Company's. Be sure the agent completes a survey of your financial position right now, asking where on earth you want to go and afterwards helps you put a plan surrounded by place to get here.
By doing this survey, you will answer several questions:
1) Do you want adjectives debt paid stale?
2) Do you want both incomes replaced, one income replaced and for how long?
3) Do you want your mortgage paid? Kinda mitt in mitt with 1.
4) Do you want your children's background paid?
5) Do you want funeral compensated for- cost approx. 6k-7k?
Now as to the policy: Do you get bread value or occupancy?
Cash value is guaranteed at time of taking up til 95 or 100. The premiums are split in two different ways- cost of insurnace (with intact life one level permanent status and all the rest human being annually renewable term. Meaning respectively year your cost of insurance goes up.) and nest egg. Whether it is whole vivacity, universal or unstable universal, they adjectives work about equal. They have five funny rules, within case of U and VUL they may hold five or just a few. It depends on the policies.
The five rules are:
1) No dosh value contained by first couple years, maybe more. See Guaranteed Schedule of Savings.
2) When it does earn money, it will be at a rate of 1-4% per year. U and VUL proponents will utter they will earn more but you have to look at the cost of the company running the programs. Usually, these earn almost this average.
3) You can take YOUR money out but you enjoy to pay the Company interest on it at a 6-8% rate.
4) However, the company does not hold to pay you YOUR money for up to six months.
5) Your survivors will pick between destruction benefit/face value OR currency value, whichever will be greater (face value). The company will KEEP your money. Unless you pay highly developed premiums to allow your survivors to receive both. Either way, win-win for the company not you.
About your agent, beside cash efficacy policies your agent receives commissions for several years. A possession policy pays commission the first year ONLY! The agent has to budge get another client the following year to bring in up the lost commission.
Term is pure insurance- if you pay your premiums every month and die surrounded by the term agreed to (say 10 years) the company will payment your survivors, if not you hold to decide to foot again. It is a gamble- you win if you do not die and your survivors win if you do. Get the longest term possible, making sure it is horizontal term- doesn't go up for length of residence, have ONE policy for entire household using riders for spouse and kids- kids both present and adjectives, this way you do not pay cheque both Company and agent any more than you have to surrounded by policy fees.
Then, check on a whole life span policy cost for same coverage. Find out what the premium is. The difference between the two, invest in a mutual fund- yourself. In the long run, you will enjoy more money than if you used insurance. You should NEVER combine insurance with investments. Take a look at #5 above. In their policy, they hang on to your savings, but within buy term and invest the difference, your survivors will receive BOTH frontage value AND investment.
Buy occupancy and invest the difference; one policy for the household w/ spouse rider and child rider that covers present and future children; longest possible residence; and because of investing yourself, 25-30 years down the road, you will have NO stipulation for insurance, your investments will have provided you near enough to cover expenses.
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Most A++ rated companies tender good vivacity insurance. But sometime an agent also make a difference. Kindly ask the following give somebody the third degree before signing up. This guide wil provide you next to some general notion on how life insurance works.
Questions that can aid you
1. claim procedure?
2. exclusions (things that are not covered)?
3. panel hospitals ( if applicable)?
4. premium and how it is being calculated? How to liberate more?
5. What are the pre-existing conditions excluded and for how long?
6. Payment mode?
7. Backup support in the event the agent no longer surrounded by service?