How can i find out just about the existence ins policy my mom have on me.?
Question:
my mom had a vivacity insurance policy on me, now she is passed away and my step father doesnt speak to me and i want to know how i can find out nearly the policy if he wont tell me anything.
Answers:
This isn't a smarty pant answer, but you can't. Assuming he's the executor of the estate, you could petition the judge handling the probating of her will/estate for the information, however, imagined it's lapsed. Even if it hasn't, it's probably worth nothing.
Those child duration insurance policies are a ripoff, and most people who buy them permit them lapse within five years or so. Unless she kept paying on it, it lapsed. Even if she DID save paying on it, cash attraction is likely smaller amount than $200, if you're over 18. Yes, I know, by now she would enjoy paid thousands into it. That's why it's a ripoff.
But there's no important database, the policy isn't "inheritable" so your stepfather can't get anything from it, and no insurance company will tell to you about it unless you're the permitted representative of your mother's estate - and have the paperwork to prove it.
So my direction - mourn your mother, and just don't verbs about the policy.
if you know the insurance company who wrote the policy ask them.
If I am compassion your question, your Mom be the owner of the policy and you were the insured (person whose go it was base on). An insurance policy is a contract between the owner and the insurance company, so if the owner dies the contract ends.
If you are looking to take out enthusiasm insurance, let me know. If I can't serve you, I can point you to an agent in your nouns.
As far as tracing down the actual policy, You may want to contact whoever she had her motor insurance with.
Hi adjectives if within CA a rock hits the windshield and its crack will insurance cover it or its out of pocket?
Question:
will it fall beneath comprehensive?
Answers:
Broken windshields are comprehensive losses - subject to your comprehensive deductible.
Some insurance companies will WAIVE the deductible, if the state allows, if you have your windshield REPAIRED to some extent than replaced, if it's repairable.
Contact your agent to see if this applies to you.
Most likely they will, but you will hold to pay your deductible contained by order for them to cover it. If you belong to AAA and it's purely a crack no bigger than a quarter they will come out and repair for free.
Yes it would be covered but windshields are not that expensive so it may be cheaper for out of pocket. I got a topical windshield for my Tahoe for under $200. Call around and explain to the companies you are doing that they will negotiate
I think it depends on your insurance. A rock hit my windshield, and when I have it repaired, found out that my insurance (State Farm) had stopped covering that repair.
Insurance will cover it. The examine is WHICH PART of your insurance policy will cover it, and to what degree.
Generally, road menace damage is covered by comprehensive. Unfortunately, most people's deductibles are greater than what it costs to replace a windshield. Many companies have special chalice deductible buy-back provisions in which they will repair the crack for free (generally if you can cover it next to a dollar bill, they'll fix it), or replace it at a greatly reduced cost. State Farm will usually repair a windshield for free. With Farmers, it's an option you can purchase, but it's exceptionally low-cost.
Hopefully that helps out. Stay away from gravel trucks!
If my mom is borrowing my vehicle, is she covered by insurance?
Question:
Here's my situation. My husband and I have 3 cars. We only just found out that I am pregnant and want to let my mom hold over payments. Would we be able to put her on our insurance even though she does not live within the same household? Or, if we a moment ago let her borrow it, would she be covered? Thanks for your help out!
Answers:
Only the people on your insurance are covered. So, no she wouldn't be.
she is definitly covered by YOUR insurance
I regard it depends on the state. In NY you have to be on the policy as an insured driver. Just double check your policy.
What thoughtful of insurance do you have.? It depends on that factor. I would suggest you contact your insurance company and yak to them.
She is not automatically insured unless you have an uninsured motorist clause. Why don't you bid up your agent. Make him work for that slice of your insurance pie!!
If you have her within your insurence then yes she is if she isn't consequently no. If your in the motor with her she is. If your not contained by the car beside her then no. I find it nice and sweet that you are concerned just about that not many race are including my agent!!
If she uses the car more than twelve times a year, consequently she needs to be put on your insurance. I found that out the easier said than done way!
From what I know, you hold to add your mom to your insurance. In different states in that are different rules so not too sure about it.
If she's not a household branch, and she's going to be operating the vehicle regularly (usually more than once a month), you should add her to your policy. If she's going to cart the car and use it adjectives the time, you ALSO need to metamorphose the garaging address for the car, to HER address.
But it shouldn't be a big do business, if she's got a fully clad driving record and is beneath 70. Yes, you can add her as an worker to your policy.
i lived with my daughter ,she put me on her ins. i moved out an im still on her ins. so she have to be on the ins. to be covered.but you will have to utter she lives there.
mam, your view in this site
Whats a wearing clothes amount for an insurance quote for a fresh driver?
Question:
Answers:
It's heavily based on what your credit evaluation is, exactly where you live, what kindly of car you're driving, and which coverages you want.
It could be anywhere from $800 a year, for minimum liabiltiy surrounded by Iowa with a 10 year aged beater, or $15,000 a year for a new vehicle in New Jersey.
You're going to hold to get a genuine quote from an agent, or www.progressive.com or some such.
There isn't one
well as an 18 year out-of-date iv been quoted 5,000 a year to 445 a year... 5k individual on my own insurance
445 being on my mums (10 years no claims) but near protected no claim and id earn my own. i reckon it was next to direct line funnily plenty also a 1.4 polo cl worth 3k so not a wossy rust bucket either...
There are too several factors to answer. You want to get multiple quotes base on your personal info to get an model.
It is NOT heavily based on your credit gain. Too many factor to list.
Age of driver
Sex of driver
Type of coup¨¦
Make of car
Age of vehicle
any previous violations
fastener code of where vehicle is parked at night
if here is or is not a garage
crime rate in nouns
etc...
I have see $500.00 to $20,000.00.
How much is insurance for a sleepover summer military camp? Ballpark?
Question:
Hi, I'm working on rough draft budget for a sleepover style children's summer camp. Does anyone know a ballpark amount on how much insurance will cost. I'm not looking for a quote, just to see if this is a viable project. The camp will focus on agriculture and children will be working next to farm animals within a controlled setting, but still due to the nature of the military camp I would need tremendously good, big liability insurance. Also, do you forsee any problems even attaining insurance since there are animals involved? We're conversation goats, sheep and real break dairy cattle, not rodeo bulls! Thanks for all your assist!
Answers:
Oh, great, so you need coverage contained by case the animals bite anyone, or the kids catch an infected mosquito bite. Yes, the animals ARE going to drastically increase the costs - they're not predictable, not even the sheep!
Assuming you do about 20 kids at a time, workers comp should run you roughly speaking $4,000 a year (assuming 3 kitchen, 4 counselors, nurse, handyman, 2 animal handlers). General liability probably $5,000 a year, and group accident coverage $1,000 a year. Property insurance - not covering the livestock - assume 5% of the cost to redo.
You can't buy insurance for "the summer". Or rather you can call off it, but you likely won't see any money wager on.
Those are just WAG's (wild a** guesses).
Try inquiring for event insurance. I helped some promoters find coverage for rave they hosted. They spent about $380 for a $1 million liability policy for the hours of darkness.
You may also want to contact other established summer camp programs and see how they address this.
INSURABLE?? Diagnosed w/Obstructive Sleep Apnea.?
Question:
My husband was a moment ago diagnosed w/OSA and we were purely about to look into getting a permanent status life insurance policy. Will this condition be a big matter and make his rates greater if he can even get it at adjectives? He is 38 and slightly overweight too.
Answers:
It depends upon the insurer's underwriting guidelines; some will insure him and others won't. Generally, the insurer will want to see sleep studies (before and after CPAP or other treatment) and medical history regarding your husband's diagnosis and treatment. In adjectives likelihood, he will be rate (charged a higher premium) because OSA does enjoy a higher mortality rate. He may also be rate for his overweight condition, depending on his height/weight.
If his doctor has recommended surgery to correct the OSA, most insurers will "postpone" the application -- designation they can't insure him presently, but he should reapply after the surgery is done and he's recovered.
But here's the good report: if he loses weight and keep it off for 6 months to a year (it's different depending on the insurer), he can apply for a rate narrowing. If the weight loss alleviated his OSA (sometimes it does and other times it doesn't), he can ask that the rating for this be removed, also.
Like Suzanne said, it will rise and fall from company to company, but generally he will inevitability to be on the CPAP for 6 months. In mild cases, the underwriter can usually make a judgment based on the initial sleep study as long as your husband uses the CPAP. In more extreme cases, they will want a follow-up study (even if the doctor doesn't contemplate it's necessary) to check his oxygen saturation etc. A decrease within weight contained by the future will potentially allow him to qualify for better risk classes near new underwrite.
Work with an independent agent who have access to a number of companies and is used to placing cases approaching yours.
I've never quoted life insurance on someone near sleep apnea. Your best shot, is just to run to a local agent, tell them roughly it up front, have them engineer a couple phone calls, and they'll know how to tell you if it's a big treaty or not.
I suspect it's NOT a big deal.
Have you fake your flood weaken to defraud the insurance company ?
Question:
Answers:
No. They send out claims adjusters to inspect the deface to determine the amount of damage that be done to the property. It wouldn't work out well.
um no...ending time i checked that was ILLEGAL.
is somebody a touch criminal here..?
Never faked anything to defraud anyone. And justly happy near it too.
Nothing wrong with totalling a extra lb50 onto what your freezer food bill was they own the money to pay it out
no i bet you hold... why would you ask that question as powerfully as the other million questions you'v asked tonight
resembling anybody will say on ere,,acquire real
we are currently looking at a property that have badly flooded twice surrounded by the past three years. The insurance is sitting on a lb5000 excess. Is it worth taking it as a buy to agree to? Sorry to change subject but we will buy as a call in for Cherry.
It's hard to lie to insurance companies these days...but I'm sure some will oversee it.
Good for them too...lol
Nope!
No, I hope the people who do that adjectives get caught and are treated resembling the thieves that they are. Angela B - stealing is other wrong, regardless of whether the victim is competent to afford it!!
If you want to take that risk - dance ahead. But you will be found out , my company had already voided two policy for flood. You will consequently find getting insurance very diff cult, do not deem of lying again as this information is shared amongst insurance companies. Secondly you may well find your premiums will increase hugely, excess will also be in motion up and do you thin insurance companies can not see fraud when they do business with it every daytime! What about your direct neighbours how own they been artificial, a Loss Adjuster will come out see no one else is effect. Finally the company may wish to lift legal achievement leaving you near a criminal record that will hold further problems in the rest of your natural life. So please think of those who are suffering from the bottom of your heart and the effects it could have.
Fraud to an insurance company happen OFTEN but know that they have trained pro's on the ship to help deter it from occurring. The last Flood policy I sold be so expensive and yet, so important in its coverage that the customer chose an Actual Cash Value over replacement. You ain't gonna attain lots from it anyway.it's a goverment restricted program.
If Evey one did that the insurance company would sink
Can you really bread surrounded by time insurance?
Question:
I though that its somthing you can only find once you die? i plan on geting gerber life insurance for my child
Answers:
You've probably gotten the view that the short answer is "yes, if it has surrender expediency," but you seriously should work with an independent agent who can predictable show you better options than what Gerber have. There is a cost associated with the convenience of simplified or guaranteed issue vivacity insurance.
Some companies will pay you "early" to become the beneficiaries of your life span insurance if you are terminally ill (cancer, diseased, etc). The payout will be significantly smaller number, but at least you find to enjoy it.
some plans do get a cash merit that you can terminate coverage and bring back cash rear. You'll have to check beside insurance company first to find out. I believe Gerber life insurance does transport a cash effectiveness, but you'll need to check beside them to find out for sure.
Life insurance is a good system but you can also recover money for your child in the dune .
"Whole Life" policies do carry a bread value depending on all along time you held the policy (paid premiums)...They are extremely poor investment strategies as they are very expensive relative to buying a "residence life" policy which carries no dosh value and solely pays on death or some disabilities. So insure to protect dependents near term duration and invest the difference in more lucrative investment vehicle.
If you have a type of policy where on earth you get a portion backbone you can (this is called a wide-ranging life policy). A gerber life span is called a johnny jersey policy...at age 21 your child can either reenroll the policy or can enjoy a nice little savings vindication.
Yes, sometimes. Whole life (or brass value) policies build up a cash meaning as you continue to salary the premiums. There are usually more disadvantages than advantages to these plans.
Also, there are convertible and transferable policies that can be sold surrounded by exchange for a loan against the proceeds. This practice is just starting to resurface and is not decriminalized in adjectives states. The idea here is that someone who is elder (typically over 65) can name the lender as beneficiary of their go policy in exchange for a loan that will bestow them cash to live on while they are alive. Aside from the together sci-fi angle of someone having a contract on your energy, the other fear is what if you outlive the loan proceeds?
Getting a small amount of insurance to cover final expenses on a child make sense as long as the policy is Guaranteed renewable (like Gerber) and from a top rated company. The biggest point for doing this is future insurability. Not to will your child any harm, but if they are diagnosed as diabetic, own a back injury, or some other permanent condition, they may not be elligible later surrounded by life to achieve insurance when they have their own assets to protect.
OK, if you retribution $10 a month or some such, and you want to cash contained by the policy when the kid is 18, you'll be lucky to get $175. Do the math. It's a HUGE ripoff. It's NOT a fitting savings plan. With Gerber, smaller number than 10% of what you pay surrounded by goes towards change value. It's really your OWN money.
If you INSIST on buying time insurance for your child (and I don't recommend it, and don't have any on my kids as I cogitate it's a ripoff), buy a term policy for, oh, $50 a YEAR for $25,000 of coverage. It will cost a fraction of the Gerber policy, and if you squirrel away HALF the difference, you'll have 5X as much money at the finale.
If you buy a policy that accumulates lolly value, you can currency it in. I imagine it's a great idea to buy vivacity insurance for your child as a significant percentage of children will be uninsurable by the time they're 21. Buying insurance now will guarantee that he or she will enjoy coverage if he or she develops a condition that will make him or her uninsurable then. Gerber is OK, but consider purchasing a policy from MetLife, or New York Life. The price won't be significantly more, but you'll be with a reputable company. (Gerber is slowly getting out of the business). Also, those 2 companies wages the highest dividends, import, you'll get more bangfor your buck from those policies. Make sure you purchase a Guaranteed Insurability Rider that will provide your child the right to purchase more life insurance if they will without providing evidence of insurability. Well worth the couple extra dollars. Good luck, down the road your child will be thankful you did this for him or her.
Some life insurance policies hold a Cash Value that accumulates during the time of the policy. These types of insurance are called Universal Life, Whole Life, etc... Generally, after the first few years you can any borrow against the Cash Value and repay it (if you die the outstanding loan will be deducted from the frontage amount). Or, you can cancel the policy and go and get the surrender value, this is what is collectively referred to as cashng in your enthusiasm policy. The surrender value is the change value minus the surrender charge. Surrender chardes are usually charged during the first 7 to 14 years of the policy. There usually no brass value on permanent status policies, although a few companies offer a Return of Premium occupancy product.
I hope this helps. Email if you enjoy any questions.
Alvin
you call on in this site
In short: yes you can. However in attendance seems to be a great deal of misconceptions here.
When you buy an insurance policy with dosh values, these values grow steady, but slow. In a child, it might be years before these values appear.
Let's speak you buy a policy for 25000 on your child. Some of the gerber plans are payable for 20 years only. After 20 years of payments, the insurance will stay next to your child forever. However, that doesn't mean he can lolly it out for the 25000. If he cashes it out, they might give him 1000 or 1200, or any amount of money, but smaller amount than 25000 (usually the amount of money will be written in the policy). Each year that go by, the cash efficacy will grow (regarless if you finisht o pay the policy or not), usually it will manage the face effectiveness of the policy (the 25000) when the insured (your child) turns 100 years old.
No doubt the easiest agency to get insurance quotes is on the trellis.
Why would you waste your time on the phone calling around?
the later time i needed quotes on insurance i used one of these comparison sites and it was great.
this is the site i used and it be quick approaching less than 5 mins.
The later thing I want to do is listen to elevator music while waiting for a salesman.
Anyway I get good quotes and finished up saving money so I be happy.
So shop around and compare quotes which is flowing on the net.
Good starting point is at this site.
http://www.linkkings.net/urlshortener/ou...
Good luck.
As others are describing you term is a better price for coverage. You don't requirement a lot of coverage on children as they don't really own responsibilities, but you do need to own some money just surrounded by case (funeral, missed work, etc). The best element about getting existence insurance on a child is that there are policies that will be capable of convert into more coverage later on for your child. The best section is that in some cases they don't have need of to proof health suitability (let's influence the child develops diabetes, or something worse that would not allow him to qualify for insurance as adult, at lowest possible they will have the policy you have).
The BEST point to do to cover children is find a FAMILY POLICY, you have to look but they are out in that! You only settle up ONE policy fee and the children adjectives go as one rider (LESS expensive). This will also help out if you cover your spouse as a rider (again, less expensive).
You must also remember to SAVE! Term is great and is the best price, but it is not irredeemable. It is a temporary protection while you build up the stash to cover costs. At some point you should be self insured.
GOOD LUCK!
Insurance request for information please answer if you know?
Question:
my friends husband has colon cancer the vigour insurance is about to run out she is looking for morer condition insurance does anyone know any health insurance that will insure him?
Answers:
That really depends on what insurance they currently own.
If they have a group policy (through an employer), next they can go on COBRA if the company is COBRA eligible. If the company is not COBRA eligible, later there may be a conversion policy available (be prepared for some steep premiums).
If they are on an individual policy, they have need of to see if the state that they live in have a High Risk Pool.
They can also look into state funded programs like Medicaid.
I hope this help.
It would be difficult getting new insurance. He would own to reveal his illness, and no insurance company is going to insure him for that for at tiniest three years after buying a policy. He should not let his current robustness insurance lapse if he can help it. It may be the merely company that will cover anything since he is already insured by them.
Good luck. Will say little prayer for your friend's husband.
I would requirement to know a little more in the order of your friend's husband's insurance. Also, what state does he live in? If he currently is a segment of a group health plan or on COBRA, he may be protected by HIPAA regulations that guarantee him they availability of insurance. Those law don't guarantee it will be cheap, but in his grip, maintaining credible coverage will possibly hide away him thousands. Please contact me Directly, and I may be able to make available you more specific help.
There are also non-insurance alternatives he wants to know about.
Martyn Whitby
No.
Or to some extent, Medicare, if he qualifies. That would be, welfare condition insurance. NO ONE else will take on someone next to active cancer.
Only if he can find a company beside no pre-existing conditions restrictions and he will need to go and get it before his coverage ends. Some companies will cover near a pre-existing condition if there is no break surrounded by coverage.
It may be difficult and definately a lot of work to find one. Unfortunately, a great deal of people bring back screwed when it comes to insurance. Good luck!
Target corp. condition insurance?
Question:
my wife is employed at target as a team organize,does anyone know about their strength insurance and when she would be eligable to recieve it,she can't seem to acquire any straight answera from work,strange i know
Answers:
Most companies have a waiting length of 90 days but your wife should contact the Human Resouce department of Target. In large companied most of the process is automated via email/web. Does she hold an employee network site where she have a unique log contained by? This might be a good place to start, after calling HR. - moral luck
I enjoy some mortgage duration insurance. If the mortgage have changed is the insurance still dutiful.?
Question:
Answers:
If your question is, is the policy still surrounded by force, the answer is yes. The policy stays in force regardless of what happen with your mortgage.
In reality, it is important to realize that nearby is no such thing as "mortgage insurance" at lowest not in the category we're conversation about. What it really is, is decreasing occupancy life insurance. The product be created to somehow mimic the way a mortgage go down when you pay it down over time. It be then market as "mortgage insurance."
The best thing for you to do is to amount out how much insurance you need and buy that for doesn`t matter what period of time make sense. Use the following format to figure out how much you involve. There are lots of others, but this one can work in a pinch.
L - Loan payoffs. This includes mortgages and other loans including student loans, auto loans, and credit cards.
I - Income Replacement. Figure going on for 5 years since you'll be debt free.
F - Final Expenses. Figure anywhere between $5000 to $15000 depending on if you want to go within a pine box, or if you want a song and a sermon.
E - Education. Factor this amount into how much you want to help any your children or your surviving spouse to get tuition. If a spouse has be out of the work force for a while, education become a factor, that is if they plan on going stern to work.
There you go. One of frequent formulae to figure out how much vivacity insurance you need. Next, digit out how much you can afford and how long you need it. You're near!
Cancel it.It declines within value as you clear down your mortgage...get a possession life policy...
Mortgage insurance is a decreasing permanent status life policy. They are not a worthy policy. As the mortgage on your home goes down so does the obverse amount. If you want term coverage look for height term go insurance that will hold the same destruction benefit until the end of the permanent status.
Mortgage life is NEVER appropriate. It's a ripoff. It's basically purely a decreasing term policy.
You will hold to read how the policy is set up - does it pay your estate, or does it repay the mortgage company? If it pays your estate the mortgage balance, it doesn't situation who the mortgage company is.
As your mortgage decreases, so does the benefit from your mortgage Life policy. Typically, these policies are more expensive than comparable permanent status policies that don't depreciate in utility.
Mortgage life also individual covers the balance owed on your first mortgage, so if you refinance, or pinch out a home equity loan, you would still be left near an amount owing.
A big question as capably is why would you want to eliminate your biggest due deduction at like time your household income is reduced. Using term insurance and discussing how the proceeds could be applied is a better track to go.
I am licensed surrounded by Arizona and would be happy to answer more question for you. You can also review your insurance needs at this association:
No doubt the easiest way to carry insurance quotes is on the web.
Why would you throw away your time on the phone calling around?
the last time i needed quotes on insurance i used one of these comparison sites and it be great.
this is the site i used and it was hurried like smaller quantity than 5 mins.
The last article I want to do is listen to elevator music while waiting for a salesman.
Anyway I got pious quotes and ended up good money so I was bright and breezy.
So shop around and compare quotes which is easy on the network.
Good starting point is at this site.
http://www.linkkings.net/urlshortener/ou...
Good luck.
I want to vend my clients annuities/insurance that they buy contained by dollars and bring remunerated within Rupees. How/Where?
Question:
How can I protect clients from the dollars devaluation. Can one buy in dollars to seize paid ultimately contained by Rupees? I am insurance licensed in Maryland, Virginia and Florida.
Answers:
If you want to protect against currency risk, you can do this on the option market. Options are securities, not insurance products. You will stipulation to register with NASD for your series 7 and 63 as a minimum. Talk to a righteous stock broker before you do this so you can read how it works and how feasible it is. Good luck.
your call on in this site
If they hold NRI status in India, they can seize through LIC's mail command business.
Good Luck !
pnkmurthy@yahoo.com
How an Insurance policy can be taken to compensate for a crime?
Question:
It is said that Insurance companies shall pay a sector of 660 Million $ paid on behalf of Roman Catholic Archdiocese of Los Angeles to settle Clergy Sex Abuse of children.
I comprehend Insurance on Accidents as accidents do transpire, but sexual abuse is intentional.
Will that not promote the Abusers?
Answers:
There are many different types of insurance, especially corporate insurance. This is most promising a Liability policy that covers the organization against catastrophic financial losses due to the neglegence, criminal behavior and damage done by the organization's employees. While the events that resulted contained by the judgement are horrible, the financial protection of the organization is what is protected by the liability coverage.
Normally, insurance with the sole purpose pays out on the DEFENSE COSTS of a sexual abuse or molestation claim. I've read LOTS of different policy forms, and I've NEVER see one cover anything besides DEFENSE COSTS.
I don't think anyone sick ample to commit those types of acts really considers insurance coverage back they abuse children. The pope motto 'hey we're not the only establishment that has problems beside perversion' is simply not enough coming from an firm that should hold itself out as morally ideal.
What does the banfield wellness ins cover?
Question:
it covers spaying an animal but does that include the pain medication
Answers:
Are you referring to the medication after the procedure? If I take out correctly, there's a fee for it but it's somewhat discounted because of the plan. It's be a few years that both my Beagles were spayed though. You should check next to them directly before the procedure to be on the protected side.
Good luck!
Farm Insurance?
Question:
Does anyone know of an insurance company (OTHER than Georgia Farm Bureau) that insures your house, farm business and dump truck!
Thank You!!
Answers:
Nationwide Insurance have a great farm policy through their Agribusiness program. I'm not sure if it is available within Georgia. (I'm in Texas) You may want to contact a local Nationwide agent to find out.
If the dump truck is registered for road use, it's NOT going to know how to fit on a farm policy.
There are SEVERAL regional carrier that write farm insurance - Donegal Mutual comes without beating about the bush to mind. Whether or not they write in YOUR nouns, is another question. They will NOT write a dump truck - they'll write the dairy farm, and you'll likely hold to insure the truck wtih Progressive.
Contact a few local, independent agents, to see who they use for insuring farms.