what is the difference between insurance premium and insurance premia?
Answers:
Premium : singular
Premia : plural
Other Answers:
premia is the plural of premium
insurance premium means amount for any one insurance cover and insurance premia scheme the amount that you have to settle to take nurture of more than one coverage.
Things to look for surrounded by home owners insurance?
What questions should I be asking the agent when looking for homeowners insurance?How do I know how much insurance I involve for things such as-
Dwellings, Personal Property, Personal Liability, Medical Payments, Hurricane Deductible (2% or 5%) etc...
It seems confusing...
Answers:
First of ask if the Ins. Co. you are quoted next to is A rated (very celebrated because it gives you an indication of the financial standing of the Company). Secondly, cause sure you have replacement cost coverage.
How much Insurance you want will depend on many factor:
1) Dwelling coverage is nearly always base on a formula used by most companies to calculate the replacement cost of your home. The sq ft., age and construction (brick/stucco/wood etc) income a large part of a set in this weighing up. The figure they arrive at will not other be the amount you paid for your home. It can be highly developed. Remember that the amount you need to cover your home for will include the cost of refuse removal (if you house burns down the site has to be cleared organized to re-build) and this can be more expensive than you realise. You also need to know if Building Ordnance or Law coverage is included-this pays for bringing your house up to current building codes within your area, this is meaningful when you own an older home.
2) The amount of personal property coverage is nearly other 60% of the amount of dwelling coverage BUT this can be increased if it's not enough to cover your personal possessions, whip inventory. Remember to include every sock, towel, sheet you own as well as the larger items approaching TV's, DVD's, Stereo's etc. Keep receipts, make a video first, do it room by room. You may be shocked by the amount of "stuff" you actually own. If you own any dear jewelry, furs, antiques, these need to programmed separately (for an additional cost) to ensure you will be capable of replace them.
3) Personal liability is there to protect you within the event you are sued. In todays litigious climate buy as much liability as you can afford to prevent your bank article and home being taken from you contained by a law suit. I've see all kind of law suits filed-sexual harrying, a child injured playing on a trampoline, your dog bites a neighbor. You name it and you can be sued. Protect yourself! $300,000 or $500,000 if you can buy it -depends on what the Ins Co offer.
4) Medical payments are to pay for the "slip and fall" claims that can come about in your home, for instance the child playing on your trampoline slips and breaks an arm, you are responsible (even if you told the child to stay out of your yard) and may prefer to foot the medical bills rather than frontage a lawsuit. It pays for someone twisting their ankle walking up your driveway. I realise not everyone will expect you pay their bills but here is always that one party out there that will want you to give somebody a lift responsibility for their clumsiness. $3000 or $5000 are the usual amounts for this coverage.
5) Hurricane deductible choices depend very much on where on earth you live. If you are in an nouns prone to tornados or hurricanes take the greatest deductible you can afford to pay. That path you won't be turning in smaller claims year after year, which can and will lead to your Insurance to be cancelled.
The bottom line is tell to your Agent about the choices available to you. All of the above affect the final price of your policy and you can decline some of the coverages with the empathy that should you suffer a loss you may not receive enough money to replace everything. Call around because different Insurance Companies will charge different prices.
what is the best auto insurance company contained by tentative orleans?
Answers:
State Farm. If you are a good driver, they fade away your premiums every 6-12 months. However, one accident may dance straight back up.
Other Answers:
The best auto insurance for anyone, anywhere who is over 50 is AARP
anyone who is or have been within the military is USAA
for everyone else try AIG
Most of the large insurance companies extend the same service (Farmers, State Farm, Allstate, etc). Get a quote here:
https://www.insureme.com/landing.asp?Refby=611606&Type=auto" title="https://www.insureme.com/landing.asp?Refby=611606&Type=auto">https://www.insureme.com/landing.asp?ref...
I hope that help! Vote me as best answer!
Source(s):
https://www.insureme.com/landing.asp?Refby=611606&Type=auto" title="https://www.insureme.com/landing.asp?Refby=611606&Type=auto">https://www.insureme.com/landing.asp?ref...
It depends on your criteria - do you want the broadest coverage? the cheapest rates? the fastest settlements? the easiest payment jargon?
how can you find out some one libi insurance?
Answers:
you need to state more details... not a soul understands what you are chitchat about.
If a broken pipe from the upstairs tenant apartment, floods my apartment. Who is responable to repay 4 damages?
Answers:
The building itself will be covered by the landlords policy. Any personal property would be covered on your rents insurance.
Here is some more info:
http://www.insuremyhouse.com/info.html
Other Answers:
Definitely the upstairs tenant.
Source(s):
Since it is the upstairs tenant's pipe. They should have repaired it .
Whoever have caused you an injury is responsible to cover your losses. It would sustain if you have adequate proof to make your shield in court, but you may be capable of avoid court. If you are both tenants and the Landlord neglected the plumbing, the Landlord may rate. If the Landlord had plumbing work perform, and the work was done indelicately, the plumber may be responsible (and likely have insurance). If the upstairs tenant was lax in cause the pipe to break, he/she may be responsible. The Landlord may be insured and if you or the upstairs tenant have renter's insurance, one or both policies may aid recover damages.
The short answer is, who cause the damage?
Could be the manager, could be the tenant, could be a plumber, could be the manufacturer of the appliance or fitting that substandard. You need more info.
Source(s):
6 years of claims adjust
Can you back me find a inheritance check from my lifeless father?
I had a translation of address since February 2006. I was to recieve the check surrounded by May but I did not. I want to know where it is. This money be left to me when my father passed. I recieved one check when I turned 18 and that one come in May. Now that I am 21 I be suppose to recieve my other check in which I am still waiting on. I want to know why.Answers:
if you are contained by the us, go the probate court contained by the city where your father passed...they will hold the estate information on file and can bring up to date you who to contact
Other Answers:
Why don't you contact the person who is supposed to be distributing money?
life span insurance compared to nonlife insurance which of them is the upmost premium income earner?
Answer could be base on Europe or America souk results.Answers:
Any life insurance agent that sell Whole Life, Universal Life, or Variable life will procure paid lots of money because of high-ranking premiums.
If they sell occupancy, they will get extremely low commissions because premiums are always lower than the other kind of life insurance.
For example, a client buys $100,000 Whole Life policy. Annual premiums is roughly $1800. So life insurance agent will attain paid approximately $900 or more.
If client buys $100,000 Term policy, annual premiums will be around $500. So energy insurance agent will get salaried around $100-$250.
Other Answers:
I assume that you are referring to whole duration. It's earning dimensions is minimal.
May I suggest term time, and depending on you comfort level put your money within to CD's/mutual funds/stocks.
Term life will offer you the insurance protection that you need for the lowest possible cost.
If it is possible put your money on a 401 (in the US).
Better language rules would help us think through. If you're asking how much commission each brings, or if personal lines pays more versus duration insurance, then the answer would be for time insurance. With the vast majority of companies, the commission is difficult on life insurance. However, near lines like auto/home, the renewals could be six months, so you bring money faster. It just depends, man.
what is the best uk travel insurance?
Answers:
I use Atlas. They are cheap and efficient. Here is the connection:
www.atlasdirect.net
Good luck.
Other Answers:
if you've ever be a civil servant or your partner or parents have try csma.uk.com also visa card services tender excellent rates. check the excess on your policies and the activities you want to be covered for. If your a student the NUS own good deal too.
Direct Travel always own competitive prices so I usually go near them
johnhancock.com ?
I think it is probably direct file
If you visit this website anf click on Insurance links
www.business-uk.info
Source(s):
http://www.business-uk.info
To see a pretty standard wording so you can compare products and prices embezzle a look at this page
http://www.co-operativebank.co.uk/servlet/Satellite?cid=1113204908206&pagename=CoopBank%2FPage%2FtplPageStandard&c=Page
At least consequently you can decide if the product give you what you need a bit than just going on price. Service otherwise is much more difficult to judge, respectively insurer has it's own horror stories as powerfully as comendations
What should I notify my insurance company my commute is?
I know they base their totalling of our premium partly on how far I drive to work and their actuarial table, but (to put this bluntly) should I lie? Or are they going to check my home address versus my work address anyway? Or does it not even business?Answers:
You should tell them the truth. If you read aloud you only drive five miles a year when you actually drive 40.....it could come rear to haunt you. Some companies will annul you if you are involved in an coincidence and your mileage at the time is way more than what it should be base upon what you told them you drive.
Other Answers:
I don't think it matter. You can lie if you want. I did it previously but later give them the real distance I'm taking to dance to work. The premium didn't chang
Depending on the insurance company, if you drive, usually lower than 10 miles to work, you get a reduced premium. If you falsehood and are caught, you will be canceled and a claim may be disallowed. This may prevent getting insurance at a reasonable rate contained by the future. Some companies will ask mileage once a year and will check this against the odometer if the saloon is in an catastrophe. The truth is the best policy in this casing. Yup. If you ever have to profile a claim, it will come out anyway. Remember, if you are in an auto calamity, and it is someone else's fault, your insurance company pays the claim. They will investigate for facts, and if the mileage on your motor doesn't mesh with what you provided, they may hold a right to deny your claim.
who are domesic insurance service?
im paying dd every monthAnswers:
last time I saw a DD to a baptize like that it be for the company who covered our kitchen electrical goods, it be like a warranty/service company, we get it with our Hotpoint produce
Other Answers:
if you've ever been a civil servant or your partner or parents own try csma.uk.com otherwise Norwich Union are pretty good. it depends if you want contents lone or not. Very few do contents only. Endsleigh do it but are a bit dear I reckon.
I would resembling to apply for a polite medical insurance policy for my parents who r aged give or take a few 50, Any suggestions?
My parents living in India , hold a history of diabetes and I'm looking for some good medi claim policy within India.Answers:
New India Assurance, Bajaj Allianz, ICICI Lombar Health Insurance.......there are plenty.
Insure them right away, it will be difficult to capture medical insurance after the age of 60 as most of the health insurance company tail off to offer tentative medical insurance at that age
Other Answers:
Try discovery health, I am sure they are an international company.
Not confirn now.
I will report you later .
Be surrounded by touch at
jayyash1000@rediffmail.com TATA Aig ,New India Assurance, Bajaj Allianz, ICICI Lombar Health Insurance.......there are plenty.
Insure them right away, it will be difficult to catch medical insurance after the age of 60 as most of the health insurance company dally to offer up to date medical insurance at that age
i call for a business liability insurance for a tattoo shop want to know if anyone have a company they could refer?
could u send me the company pet name and # if u have it thank you so much....Answers:
Well your best bet is to find a local broker as they hold access to many different insurance companies and can find you the best contract.
Long Term Disability Insurance?
I have only just been placed stale of work for medical reasons and I flied through short permanent status and now that I am on long permanent status they are urging me to apply for SSI. I was told by my employer I am eligible for it till I am 67 but why are they so pushy, they hold law office calling me every day and I update them no thanks, I don't want your assistance and they take that as I own applied and want to know my application date ect. Why are they so pushy and why is it any of their business, I think if it is a service my employer offered that shoudl be it.Answers:
Maybe you should sit down beside them or via phone, and ask them. Tell them you dont understand why they are so pushy and you toldl you be eligible till 67. nothing can hurt from asking them what give....
Other Answers:
I am also, recently, collecting L.T.D. from the company I worked for. The insurance company that I collect from have a firm they hired to help one apply for Social Security. This other company call me and I have received junk mail from the disability insurance company and this company.
What happens is if Social Security approves you, you will collect anything you can from them first and then the L.T.D. make up the rest of what you are drawing.
I guess they get Social Security involved so they are not paying the entire amount. The appropriate thing I saw be, if you do draw Social Security, you will qualify for medicare after 24 months. That is a lot better than paying a big price for form insurance. Right? I can see where your concern is. Have you checked how long will the long-term disability benefits will closing? Will you receive the benefits until you get better or until you arrive at age 65?
The advantage of you anyone on SSI Disability is one, the company will no longer need to reward your claim. maybe pension later but until you retire they wouldn't enjoy to.
There are two instances a person would be eligible for Medicare - when a personage turns 65 or if they are on SSI Disability. That's another benefit to the company is that if you receive SSI benefits then you're also eligible for Medicare back age 65. Even on LTD, you're still receiving medical benefits from the company, right? Well, when you win on Medicare, then you can receive Medical benefits from Medicare and no longer from the company. I am wondering if you are planning to return to work for this employer? If you are, it sounds to me similar to they are not planning on having a position for you or they would be more than in good spirits to continue to discharge for your benifits until your return. It is a sad truth but we are a moment ago a number in their workforce. Easily replaced and in this day and age quickly replaced. Except for the CEO not a soul is exempt and not even he is safe.. look at Scrushy surrounded by Alabama! But then he is a crook...lol ... but he get his pot of gold ahead of time. Only the guy that certainly "owns" the business these days is nontoxic from losing his position in the workforce regardless of how heaps years you have devoted to THE COMPANY.
Source(s):
SEEN IT HAPPEN... and watching MY BACK
Anyone hear ofN.A.C. of Kansas City Mo."Awards"?
Recieved a letter stating I be in a drawing and stand a accidental to win a million.Ive never heard of these those before.Answers:
I live contained by KC, MO, but haven't heard those initials but. Is there any full moniker on the document?
Is insurance really worth it?
I am skeptical whether the insurance firms really settle claims. There is the fine-print one doesn't read when buying a policy.Answers:
I am currently an insurance agent. It honestly depends on the type of insurance. Whole life insurance is more expensive than possession insurance and a big rip off. You don't call for to really "invest" in your policy. You would be better past its sell-by date buying the cheaper "term" life insurance policy and investing the difference within an annuity or some type of fund. Insurance on kids should only be satisfactory to bury them at most. They have no income to replace which is one function why life insurance is so central to survivors.
Other Answers:
Yes
Insurance is key and yes; they do pay claims that are valid. I in recent times got $3,500 for my roof. Life insurance is critical too. If you own a wife or kids, you need it. it's not adjectives time. some reputated company is good but not adjectives.
You may not read the fine print. I do and so do oodles other people. I ask lots of question too. There are disreputable insurance companies just resembling in any other business.
Unfortunately, Insurance is worth it. It's true that within many instances we discharge way more into the policy than we ever receive. That's the course insurance companies make within money. The thing is, few ethnic group ever have plenty cash on appendage to pay for the things we hold insurance for. It is much easier to pay a premium than to try and let go that much money.
i am a retired Independent Insurance Broker, 23 yrs surrounded by the business--first of all, every policy sold contained by every state, must be approved by the State Dept of Ins of that state--they are responsible for approving the policy to be sold- that would include reading the fine print to be sure it is worded fairly to the policy recipient--second, is insurance really worth it--self insuring is 100 % riskier--you don't want to be your own ins co., no business how much money you have==insurance is a pooling of risks, everyone puts a little money contained by the pot, the ins. co serves as the administrator, and everyone is protected- that is how simply it works- i am also a retired CPA, & CFP, & LUTCF so i know what i am discussion about-- trust me-- if you have any other question, please holler back at me... Not at adjectives, you pay premiums every month and when you involve them its ALWAYS seems to be below your deductible or its not covered. Wasted bread I think.
They settle claims, you just own to think around how much you get for your money. You discharge x amount every week and say you never inevitability a claim. Let's say you enjoy a life insurance policy for 3 years and die and you put within way smaller quantity than your getting. It is all a risk.