why do i requirement insurance?
Answers:
For protection. In case something happen to you, you or your family won't own to dig cavernous into their pockets or sell sour their home to cover the losses.
Other Answers:
if your speaking of auto insurance its to protect other people doing a tour in overnight case you cause an disaster that damages their property or injures someone so that they are assured you can take fastidiousness of the expenses created by your at fault luck.
If you are a single person w/o children, you don't want it.
Source(s):
Are you talking something like life insurance? Car insurance, see answer above mine.
What big-hearted of insurance? Auto? Auto....one because it it probably required. If it isn't, it's smart to have. If you be in an twist of fate and it was your defect, the liability protection would be beneficial. Otherwise, the person who be injured is coming after everything you own. If you don't own much, they'll have it taken right out of your income check.
Just in skin you crash my car...repairs are expensive. If its medical, next that too, medicine is expensive.
We are forced to buy insurance for one explanation and one reason solely. . . so that insurance companies can get rich.
It's the legally recognized mafia.
This is a litiginous nation. You need to "cover" yourself for your home, your coupé, and your health. The insurance industry is epidemic, in my judgment, and we pay, on an annual principle, more for insurance (in particular, form insurance) than we need to, or regularly, than we can afford. But, at this time in our history, in that are little or no options. We inevitability to be covered.
Insurance, generally speaking, provides dollars needed when something unpromising happens. You stipulation insurance if you cannot afford to replace something.
Car insurance in baggage of an accident - dollars for repair, replace and pay packet medical bills. Auto insurance - much the same.
Health insurance - to income for medical care.
Life insurance to replace your adjectives earnings that a dependent may necessitate when you are not around including paying your debts.
Disability Insurance - to replace your paycheck if you cannot work due to injury or illness.
Talk to a licensed insurance professional. Find one that listen to your goals and wishes. Heed that professional advice.
Source(s):
experience
you will inevitability insurance for various reason. you will need form insurance to cover any sickness or health issue. hospital and doctor visit can be very expensive. the insurance will assistance you financially. if you have a sports car, you must have auto insurance for equal reasons . it will also cover unisured motorists.
Firstly... I am not a insurance agent...
There are masses types of insurance... some are Life Insurance.. some comes with investment.. some for funds (endownment)
You need insurance for oodles reasons:-
1) You wan to provide for your own flesh and blood (e.g parents if u r single; or husband & kids if u r married) in the event if you died suddenly due to misfortune or illness
2) Build your retirement nest
3) Helps discharge expensive hospital bills
4) Save for your kids's education $ when they reach 18 (university is very costly surrounded by future)
Find a good insurance agent who is competent to advise u more on what you want.
Depends... What type of insurance you are talking just about...
If you are talking give or take a few a personal insurance plan like anthem bc/bs that help with medical bills....
The best answer is.... Do you really want to wage for your stay at a hospital all out of your own pocket?
If you enjoy medical insurance coverage and they are willing to foot why not let them... granted they may charge you a monthly allowance to be enrolled but look @ it this path:
What if you had to enjoy surgury that was going to cost you $5 thousand dollars... would you want to hold to make payments on that to the hospital bill out of your own pocket?
Some insurances own low deductibles and out of pocket maximums. for example: vote you have anthem, voice your deductible with them is $250 & your out of pocket max that you would enjoy to pay per year out of your own pocket be $1000. would you rather enjoy paid the full $5000 when your insurance is liable to pay $3750 of the total bill?
-Next is saloon insurance-
Here is your answer....
If you get into a wreck and in that is a lot of make worse made to your vehicle and possibly to another... would you rather stir to jail or enjoy your insurance help pay cheque for damages?
Source(s):
personal experience on the medical part.
know someone who went to secure unit for not having insured their vehicle.
Depends on the insurance you are need. The idea near insurance is that it provides protection, risk management, against have to pay out of pocket and maybe increases your standard of living.
Look at insurance like this: Insurance transfers the RISK (risk of getting contained by a auto accident, risk of dying, risk of your house burning down) from you to the insurance company.
If something bleak happens, and you own insurance, then the insurance company pays, no you!!
as a Life Agent, this is the simpliest channel to explain what Insurance is, and why it is important to hold it.
Health reasons, Home owners, rental, Fires, Automobile,Life, Burglary
Think of how you would be if you are facade with no hosp. ins.- if you rent surmise of the loss if a fire occurred, along next to home owner ins.--- Also the liability you would be faced next to with if you have no ins.
you just stipulation it
Insurance is a method of transferring risk of catastrophic loss due to an unexpected event from one knees-up to another. Without insurance you are "self insured". Meaning you are responsible for all risk of catastrophic loss. If you want to hold on to that risk you do not involve insurance. If you want to transfer that risk to another group you do that through insurance premiums.
Generally, Insurance classify into a few categories.
1. General Insurance policies – to provide payments within the event of losses from a particular event usually asset; including saloon, houses etc.
2a. Life Insurance policies – to offer income to oneself or nearest and dearest members surrounded by the event of death or total & unbreakable disability and in some satchel upon contract of critical illness, example; cancer, kidney bomb etc.
2b. Life Insurance w/ Investment policies – depending on the owner objectives and needs, this type of policies includes investment elements that the insurance companies desire in assisting insured fulfilling their goal & objectives by means of investment.
3. Health policies – to provide contribution for medical expenses.
As the word insurance, all the above seek to offer monetary compensation contained by the event loses occurs. It is one of the methods to verbs unwanted risk to the third party by contracts beside an insurance company.
Insurance policy information is needed just about Constitution Life of America/Los Angeles?
Answers:
What do u want to know?
Other Answers:
If you aren't the policyholder, you will need a permissible reason to achieve a copy of the policy. Privacy laws prevent disclosure of this, merely like I can't acquire YOUR medical information without a endorsed reason.
how long do you hold to dosh contained by a insurance claim.?
if soneone your related dies how long doe's you have to lolly in insurance claim and/or dune account.give somebody the third degree #2 doe's it have any compassionate of fee's
Answers:
The general answer is, "a temperate period of time". It can ebb and flow depending on the circumstances - if someone just go missing, I believe it takes years back they can be declared legally motionless. I'd contact the insurance company as soon as you can locate it. Regarding the bank portrayal, as soon as probate court approveds the will, or appoints an executor, you'll have access to teh article.
There are no fees associated with an insurance claim. Going through probate court, file the will, and/or having an executor appointed WILL cost something, and if the court appoints an executor, they're allowed to charge for their services.
Other Answers:
usually about 2 years. No nearby are no fees but you may need to consult an attorney which as you know isnt free. Each state canon may vary slightly.
Source(s):
contained by accordance with WI tenet.
Does anyone on here hold "General Liability Insurance" ? Was it rugged to acquire and are you paying too much 4 it?
I know someone that's about 2 start working as a home inspector for a company, but they told him he needed 2 take general liability insurance we get y and everything. He's just have a hard time finding quotes and also I want 2 know of anyone that does this type of duty and has this insurance in recent times 2 know how it's working 4 them. So I would appreciate if anyone that does this 4 a living or knows give or take a few this insurance to get put money on to me thanks.Answers:
Depending on where on earth your friend lives, the insurance shouldn't be too expensive. With my company (State Farm) the rate is determined based mostly on experience within the field.
Other Answers:
GL policies are harder to find for start-up businesses.
He might find a local or regional mover willing to write a BOP (business owners policy) on it for $500 a year, but most of them want to see three years of prior insurance.
For the first three years, he'll probably own to go to a "non-admitted" carter and pay approx. $750 (including rates & inspection fee) a year for a straight liability policy. He'll have better luck near the agent who writes his home and car insurance - at hand isn't much profit margin contained by writing these types of policies (10% of straight premium, about $50), so profoundly of agents just won't quote it, as the time involved contained by obtaining the quote costs them more than the first year's commission.
A GL policy shouldn't be too difficult or too expensive to bring. The company I write for bases our premium on type of work perform, time in row of business, among several other factors. You're friend requirements to try his primary insurance company first...whoever he has his home/autos/life insurance near. If that company doesn't write that line of business, he may consider moving his business to a company that will, agents tend to be more ready to accept a GL risk if they enjoy someone's personal business, plus the rates tend to be better with other business due to discounts that may be available. If his insurance company offer that line of business and still can't write him consequently it may be becuase of credit history, claims history, or some other problem that needs to be address before he can be insured.
For purchase of any insurance, General Liability included, the best article to do is contact an independent insurance agent. They have a logo, a big "I" within most yellow page. They represent several companies and offer adjectives types of coverage and can help you compare quotes. Premiums rise and fall by state, business and location, but some companies won't write GL coverage on you if you don't have other coverages next to them.
General Liability insurance, like any insurance doesn't come into play unless the insured does something or someone think they've done something (property damage, injury) that might effect them to make a claim.
The insurance would cover inspection operation exposures and would as a rule come into play if the insured missed some key point while inspecting a building and the owner claims financial losses, or if someone sustains injuries related to one of his home inspection operations or on the insured's premises
how long do you own to brass contained by a insurance claim.?
if soneone your related dies how long doe's you have to brass in insurance claim and/or wall account.grill #2 doe's it have any loving of ffe's
Answers:
The general answer is, "a fair period of time". It can swing depending on the circumstances - if someone just go missing, I believe it takes years in the past they can be declared legally comatose. I'd contact the insurance company as soon as you can locate it. Regarding the bank description, as soon as probate court approveds the will, or appoints an executor, you'll have access to teh reason.
Other Answers:
Insurance policies are contracts. All the promises, provisions etc. are contained within the wording.
The policy will spell out provisions related to making a claim.
Is Accidental demise and dismemberment insurance a worthy buy?
Answers:
Why not go surrounded by for life insurance and enjoy double accident nouns etc as an add on. May be you bget wider coverage for more or smaller number same premium.
Other Answers:
Not really, you notice how much cheaper it is? Reason, unintentional death must be on the spot, if you linger for a morning, if is complications from, etc. Dismemberment, must be the same, amputation by surgery, is complications resulting from....
Not for the character the policy is on. Insurance is always a crappy bet. You bet something lousy is going to occur, the insurance company bets it isn't. The higher the premiums, the more credible you "win" the bet.
Parts of it are.
Depends on how the policy is written.
If you can find one that gives you $10,000 per finger or $60,000
per paw and you work, for example,at saw mill then what you hold to do should you slip is pretty well spelled out here.
Don't travel for the accidental extermination policy because you end up
near nothing.
usually straight time insurance is a better deal.
fell down at gas station can I sue?
Answers:
Did they not maintain their property? Did they evacuate tools / equipment sitting out? Did you really hurt yourself or are you just looking to get a buck? Do you want everyone to pay more for insurance? Think until that time you sue. If they really did something wrong, then yes, sue. If they did nil wrong and you just fell down, afterwards please don't sue. I don't like getting rate increases on my insurance.
Other Answers:
Yes, anyone can sue. But can you win is a different story. We would have need of a lot more info. on the chance for winning or losing. But, yes, you can sue.
Source(s):
Ins. business experience
What is a "Trust Check" contained by the insurance industry?
Answers:
A trust check is a check issued "in trust"... which in lamen jargon is saying "We are giving you this check, trusting that you will fulfil X condition before cashing it" X responsibility is usually signing a release of all claims form that come with the check or other documentation.
Some insurance copmaines will not correspondence you a check until you sign and return the release they want you to sign. Other will send the check beside the release "trusting" you will sign it, seal it and stick it surrounded by the mail, beforehand you deposit their "check in trust"
Other Answers:
You call for to know what a Trust is first. The check is money coming from the trust to a specified person.
what must I know to become an accountant?
Basics of accontingAnswers:
debits and credits.. this is especially basic contained by Accounting
Other Basics in Accounting you must know:
Basic Accounting Equation: Assets+Liabilities = Owner's Equity
Financial Statements Preparation: Balance Sheet, Income Statement, Statement of Cash Flow
Journal Entries, Adjusting Entries
Accounts: Cash, Accounts Receivable, Accounts Payable, Retained Earnings, Depreciation, etc.
Other Answers:
how to count
Math.
you must be creative next to figures and know your maths right....
How frequent beans you can count without falling asleep.
be righteous in maths and counting numbers and righteous in computer-know how to use microsoft excel adjectives this...
depending upon your specialty (tax, corporate, etc...) you will need a math apptitude, cognative means, abiilty to read tons of vaguely worded documents beside circular references and deduce how to pick out just the facts compulsory for your particular situation (based on the facts). Ability to work a computer, your flair to negotiate, and your abiilty to present facts in a straight forward and justifiable way if you are needed to represent your client within a court of law. Other areas where on earth you will need to own knowledge: business tenet, economics, statistics, marketing, finance, public relations, material estate, and general business topics.
Can you fetch more than one go insurance policy?
Answers:
Absolutely. But why would you want to?? Do you realize that it cost money to design each policy? If you looking for extra coverage, in recent times increase the one you have. If you hold a spouse, you can add a spouse rider to your policy.
If an agent provide you more than one life policy, the physical loser is you and the winner is the agent. For respectively policy he gives you, he get paid big bucks!!
Other Answers:
yes
yes i hold 3
Yes, if you can afford the premiums.
Sure, as long as you pay for them.
yes.. my husband have three and i have two..
As oodles as you want to pay for.
yep
sure you can.
Yep I enjoy one through the army for obvious reason and a few through the civilian side. They say you should own at least 7 to 8 times your twelve-monthly salary contained by life insurance especially if you own children.
It is legal, but when you apply for a policy you usually own to disclose whether you have existing energy insurance policies (or have applied for other duration insurance policies). The insurance company will decide if it matter to them.
Already having some existence insurance is usually not a problem. It won't mean you can't find more, but the insurance companies want to know, because 8 or 9 policies might be suspicious.
BTW, if you lie on the application, they can probably find out of paying if anything happens next.
Yes, you can. Pay your premium on time.
Most time insurance policies are usually less than 10 page
long so you could probably carry 25 to 50 thousand beside no
problem. This assumes that you are in in principle good robustness
with no medical restrictions.
The short answer to your cross-examine is "YES".
You can carry as much as you're "worth". For example, if you kind $100K a year a typical life insurance company would insure you for up to $1,000,000 assuming your condition doesn't make you uninsurable. If you bought that million dollar policy probability are you wouldn't be accepted for another because you are not "worth" the other coverage (no offense). However, you could buy 10 different $100,000 policies from 10 different companies without a problem (or from alike company). Quitefive adds clarity to your interview. You will be required to disclose any active energy policies when applying for a new one.
Keep surrounded by mind the numbers I've used are nice and round and are only for the sake of the example. The unbeatable amount of insurance any given life insurance carter will offer you depends on the haulier, your current income and your net worth (including assets).
Source(s):
I be a licensed life/health insurance agent.
yes.
Yes. While taking the second (or that matter the next) policy you own to declare adjectives the existing insurance cover available to you. Than the risk policy of the insurer will decide whether to grant you an extra cover or not depending on your profile - income, assets and liabilities, medical condition, etc.
Yes, you can.
They will ask you on the application if you already hold life insurance, who it's beside and how much life insurance you currently own.
You must answer all question on the application truthfully. Life insurance companies do dispute paying claims if there is any sign of fraud or misrepresentation on the vivacity insurance application. Especially, within the first two years - during the contestability spell of the policy.
Make sure you can afford your premiums. Many times you may be able to increase the margins of coverage you currently have on your existing policy, so ask your insurance company or agent roughly speaking this option.
To swot more about occupancy life insurance step here: http://www.term-life-online.com/term-life-insurance-guide.html
Yes and most often it make good sense to hold more than one as your insurance need alteration over your lifetime.
Talk to a licensed insurance professional in your nouns.
www.naifa.org to find an life insurance advisor....
I'm a licensed agent
yes, as frequent as you can afford
yes u can carry as various as u can buy the premium for
Yes You can carry as frequent as you can afford the payments.
Yes you certainly can and it is habitually a combination of life policies that work best for someone! However, I would importantly recommend making sure that whatever products you consider are the best to suite your requirements or those that are likely to come. For example if you are a immature married person, you may plan on have kids down the road, perhaps you want to brand sure they are taken care of if something happen. Insurance costs are going to be much cheaper to lock in while you are younger and past any potential health concerns pop up. Also net sure to have someone thoroughly explain the diverse types available, such as Term, Permanent, or Universal life policies. Ultimately, stick near what you can afford. It is better to have some coverage to some extent than no coverage, but the money is totally wasted if you start a policy and next can't afford it down the road (this is particularly true near Term policies, and they are probably the most common type out there). Also create sure you are buying from a company that is going to still be around when it comes time to salary out. There are a lot of extremely cheap option out there, but the company providing them could pack it adjectives up tomorrow and then you would hold nothing.
Source(s):
I'm licensed for sale & service in Property/Casualty/Life/Health Insurance
Yes, you can take as many policies as insurers are likely to issue to you. Basically, it depends upon the total amount at risk. If you have a roomy policy relative to your assets and income, it would be difficult to acquire another policy due to impaired risk on the segment of the secondary insurer.
Yes, more info in attendance
Source(s):
http://www.insurance-assurance.com
how long do you own to dosh within a insurance claim.?
if soneone your related dies how long doe's you have to dosh in insurance claim and/or sandbank account. grill #doe's it have any species of ffe's
Answers:
If it is life insurance, you can claim on it when you provide a extermination certificate. I help a client get money from her husband that she thought no longer existed. It be $1500 and 9 years later, the insurance company remunerated the $1500 and the interest earned on that insurnance she get a check for around $5000.
Other Answers:
Ask your attorney
Not all of us know it alls' surrounded by cyber land
Reply there
Source(s):
http://www.insurance-assurance.com
The nouns stashes of yahoo?
Answers:
Think you're in the wrong forum. This is for insurance question.
Other Answers:
need the verb here, please
house insurance via the network?
anyone know of a real cheap house insurance company, by phone or web (but it'd be easier by the net), that you can pay weekly or monthly cos i be seriuously ripped off by 'direct line' second year!Answers:
honestly you should never buy any type of insurance without sitting down near someone that way you enjoy a much better chance of NOT getting screwed. accurate luck
Other Answers:
its better to get qoutes and if you are register through a currency back site you will also carry some money back ie greasy palm foot you upto lb40 if you click on a insurance link from their site
i will draw from a link for you
You can, but adjectives insurance companies are high within premium in today's bazaar.
I switched my contents insurance of lb25k (new for old) from a supermarket chain which shall remain secret but starts with t and ends surrounded by o when they refused to salary for a broken fridge/freezer. Said it was wear and cleave...after only 4 years? I don't muse so! I paid the repair, a minor condemn which luckily didn't cost too much, then switched to its4me insurance. I'm presently insured for 35k, the premium has gone down from around lb11 to only just over lb6 - for the same except better cover as they insure all garden items which t---o didn't and I settle up by monthly dd. I also insure my car beside its4me. They came up trumps when a prat sideswiped me unpaid on Christmas night within MK, the breakdown (RAC no less) arrived within 30 mins and sorted my claim beside no hassle. Mind you that could have be because I was feminine and alone. I know one or two folks who weren't happy near Direct Line but to be fair I took my insurance on price, not counsel.
Source(s):
its4me.co.uk
Go to www.realmoneyideas.com. In the middle of the home
page you can get free quotes form reputable companies.
AAA Insurance usually have multiple companies to pick from
Source(s):
AAA Insurance agent
zurich or churchill are quite cheap
24F requests affordable condition insurance. Where do I find the best price/coverage?
Answers:
I am paying less than 1/2 of what I be before after going online & submitting a quote request. My copay is lower also!
Get robustness insurance quotes at:
https://www.insureme.com/landing.asp?Refby=611625&Type=health" title="https://www.insureme.com/landing.asp?Refby=611625&Type=health">https://www.insureme.com/landing.asp?ref...
Fill out one simple form and get multiple quotes!
Hope that help! Vote me as best answer!
Other Answers:
Insurance coverage/price varies state to state and it also base on where you live. Besides that price can stir up if you have any condition issues. You can make a plan more affordable by select higher deductible. Your premium will be complex if you take option like doctor's co-copay, parenthood, prescription copay.
Based on your age, I think you can cut stale most of the optional benefits to lower the premium. I enjoy seen $1000 deductible plans are the best plan compare to what you earnings for the benefit.
Its hard to describe what exactly will fit right for you without knowing other information.
Almost always, the best importance is an employer's group health plan.
If you do not hold that option, you will want to find individual coverage that suits your needs and budget.
If you expect to be capable of sign onto an employer's group plan within the subsequent six to twelve months, your best bet for NOW may be short-term medical insurance. It is bridging insurance that is typically much lower within cost than permanent insurance (permanent insurance is also agreed as Major Medical or Individual Medical insurance). It has impressively broad coverage and a nice high lifetime maximum but it does exclude pre-existing conditions. A number of different deductibles are available (the better the deductible, the lower the premiums).
If you do not have existing medical challenge, go to http://www.wavehelp.com/health-insurance/index.htm and click through to overrun in your information and achieve a no-obligation quote on the coverage that looks most appropriate for your needs. You will be capable of get information here about short-term medical insurance AND beyond repair medical insurance. It is easy to use the site.
Best wishes. I would look into affordable robustness discounts because it is now possible to access affordable Dental, Vision, Prescription Drug and Chiropractic Care
http://www.mybenefitsplus.com/40386189
or for more info goto
http://coxinternational.biz
Source(s):
http://www.mybenefitsplus.com/40386189
http://coxinternational.biz The best opening to quickly find out roughly speaking the best prices and coverage options is to pop in a Web site that provides free online quotes. I’ve linked to one below – MostChoice.com – that does this and puts you surrounded by touch with multiple form insurance agents near you. It’s adjectives free and there’s no obligation, and it’s a simple process to get experienced state-licensed agents do the legwork for you. I’ve also includes some links that might be adjectives in figure out what kind of plan is right for you (in the Sources section).
You might be interested surrounded by Tonik health insurance from Blue Cross Blue Shield. It’s geared toward those your age, and it includes preventive dental and vision attention to detail. UniCare also has a similar product call Sound.
You can find MostChoice here: http://www.mostchoice.com/health-insurance.cfm
Hope this helps,
Barnes@MostChoice
Source(s):
US News & World Reports Best Health Plans
http://www.usnews.com/usnews/health/best-health-insurance/topplans.htm
Checkup on Health Insurance Choices
http://www.ahrq.gov/CONSUMER/insuranc.htm
Choosing and Using a Health Plan
http://www.ahrq.gov/CONSUMER/hlthpln1.htm
UK flea market. Can any one report me where on earth to bring back Insurance?...........?
.........for a small fleet of hire cars (a business which hires cars out to members of the public for pay ie. Car Hire). I've tried everywhere without any nouns at all....please oblige!Answers:
go for Zurich
or direct dash
norwich union
lloyds tsb
elephant.co.uk
saga
chuchill
insurance4carhire.com
etc etc
hope it help
all UK base!