Input: Where To Get Homeowners Insurance?

Output: Homeowners insurance is available through the internet , through direct writers who use call centers or through agents . The difference is the degree of communication you want to have . The agent will be the most personal while the internet will be the least . My suggestion is to ask your colleagues , friends and neighbors and find out who they trust . In the end a trusted counsellor may be the most important part of the homeowners insurance decision .


Input: What Is An Elimination Period In Disability Insurance?

Output: The elimination period on disability insurance is the specified period from which the disability is medically diagnosed and the insured is eligible to start receiving benefits . The longer the elimination period the lower the premiums . On short term disability insurance plans elimination periods can be as little as days or weeks . On long term disability plans can vary from 30-45-60-90-180-360 days . Most good disability plans do go back to day one and pay the entire period once the elimination period has been met in a lump sum .


Input: Can You Deduct Homeowners Insurance From Your Taxes?

Output: Not unless your home is also your business . If you have an office in your home that portion of the home is deductible and the insurance on that portion would also be . As a rule though the answer would be no . Check with your tax adviser for guidance on your personal situation .


Input: What Is The Best Kind Of Life Insurance To Buy?

Output: The best kind of life insurance is the one financially suitable for you . Life insurance is designed to indemnify your beneficiaries from financial liability whether temporary or permanent . Term life insurance indemnifies temporary liabilities , permanent life insurance indemnifies permanent liabilities . Term life insurance generally covers fixed periods of 5 , 10 , 15 , 20 and 30 years . Permanent life insurance for indemnification offers participating whole life and guaranteed universal life . Life insurance for supplemental retirement income can use universal life insurance : current assumption , indexed and variable -LRB- using separate sub accounts and has market risk . -RRB- Determining your risk tolerance and product suitability is critical in forming a financial profile .


Input: What Is The Best Kind Of Life Insurance To Buy?

Output: What is the best kind of life insurance to buy ? Sometimes a combination of policies work best . If you have a need for a large amount of coverage for a limited period of time , Term insurance is the least expensive . But perhaps you would also like a small , permanent policy for final expense needs while you are medically able to get a good rate . Using the same underwriting exam , you can easily get a large Term policy and a a small Permanent policy at the same time . A good agent can help you find the most affordable life insurance in the best kind of policy or policies that will work for you . Give one a call ; it will be well worth your time .


Input: Who Funds Disability Insurance?

Output: The funding source of paying disability claims depends on who is backing up the promise to do so . 1 . Social Security DI is funded by tax-payers 2 . State-sponsored DI -LRB- if available -RRB- is usually funded by employers within that state . -LRB- A sole-proprietor that constitutes a company of one person may be able to `` opt in '' to the program with special enrollment . -RRB- 3 . Individual - or corporate-owned DI is funded by an insurance company that collects premiums from the individual or corporation to form a `` pool '' of money from which claims are paid . In any of these cases , the funding source must have sufficient funds in the pool to pay out legitimate claims as they are submitted . Premiums reflect the justified cost of maintaining that fund at the proper level . Therefore , claims may require a company to submit an application to the State Department of Insurance for increasing premiumsfora specified `` block of business '' within which claims will - or already have - exceeded premiums coming in for that block . -LRB- An individual can not be singled out for premium increases . -RRB- If one owns a policy that is `` non-cancelable '' , that term means that the carrier can not increase premiums for any reason over the life of the policy .


Input: Can You Use Life Insurance To Pay For College?

Output: College is very expensive -LRB- I have 2 children in college now and 3 more entering in 2 years -RRB- and for a family trying to determine the best way to deal with this is a challenge . Insurance that accumulates cash value can indeed help defray some costs but you would need to have started while your children were very young and even then you probably would only have funds to help , not pay for it all . I would suggest you talk to your Insurance Agent and see what other options may be available to you to help with those costs .


Input: Can You Use Life Insurance To Pay For College?

Output: Some agents will promote the idea of buying life insurance to fund your child 's education by using the policy cash value to pay education expenses . This is usually a bad idea and a very expensive way to accumulate cash for any reason , including college education . Your ROR -LRB- rate of return -RRB- on cash accumulation is quite low . Consider other options before buying life insurance to fund college expenses .


Input: Can You Use Life Insurance To Pay For College?

Output: There are a variety of strategies for using life insurance to pay for college or help you get financing . Some basic ones would be borrowing from the cash value of a policy if it has been in force long enough . Parents will often take out a life insurance policy on themselves to cover their child 's college if the parent should die prematurely . There are some other more complicated strategies . A good agent with experience in college planning may be able to help .


Input: What Is Modifier GW For Medicare?

Output: That is a tough question , I am not totally familiar with medicare billing codes . However according to my research , the GW modifier is used when a provider of medical services performs services that are not related to a hospice diagnosis . Certain Medicare beneficiaries can choose hospice benefits instead of Medicare benefits for treatment and management of their terminal condition . reference : WEBSITELINK


Input: How Much Does Life Insurance Cost For A 70 Year Old?

Output: A million dollar policy for a 70 year old preferred non-smoker will be around $ 9785 10 year term , $ 14510 15 year term , $ 21600 for 20 year term , $ 23828 Guaranteed UL . A million dollar policy for a 70 year old standard non-smoker will be around $ 12825 10 year term , $ 22110 15 year term , $ 25930 for 20 year term , $ 32840 Guaranteed UL .


Input: How Much Does Life Insurance Cost For A 70 Year Old?

Output: It would depend on your Health and if you have ever used tobacco products . A 70 year old in perfect health who has never used tobacco could currently get a $ 200k 20 year level term policy for as low as $ 4111 per year . But this would be a `` best case scenario '' figure . But if they are in poor health it could be double that or even more . And if they currently use -LRB- or have recently used -RRB- tobacco it would double that best case scenario figure as well . Most likely for a $ 200k 20 year level term it would be between $ 4500 - $ 7000 depending on health , and that is for a non-smoker . But the amount of Death Benefit and the type of policy will ultimately dictate premiums , along with health & tobacco use .


Input: How Much Does Life Insurance Cost For A 70 Year Old?

Output: The monthly premium for $ 100,000 of life insurance on a male non-smoker would be approximately $ 165 for 10 yr . Term Insurance , and $ 338 for whole life insurance . Even at that age there may be preferred rates and other options . Medical conditions often play a major role in pricing policies for people above age 60 .


Input: Will I Get Taxed For Not Having Health Insurance?

Output: Supposedly , the PPACA or Obamacare is based on means testing . Millions of Americans will fall below the poverty threshold and pay nothing . Millions in the middle working class will qualify for credits to offset health care premium . But for everyone else who can afford to pay , pay the premium or pay a penalty .


Input: Why is my insurance so high? I am a 26 year old female with a clean driving record. I drive an 05 chevy trailblazer.

Output: Great question ! In addition to the things that Mr. Pipes mentioned , there are a couple of other reasons why your insurance is high . Have you recently moved ? Or had a problem with your credit ? If you 've had a serious ding on your credit before the last rate hike , that may be a reason why . Your insurance company factors in your credit score in their rates . If you recently moved , that may play a role also - from a quiet residential neighborhood to a downtown apartment can hike your rates , or if you 've moved to a higher crime rate area . Unless it 's just to recoup profits on their part , generally rate hikes are a sign of perceived increased risk . I 'd advise you to look for an independent agent who can help you compare prices . Good luck , and if you need help , please contact me . Thanks for asking !


Input: Why is my insurance so high? I am a 26 year old female with a clean driving record. I drive an 05 chevy trailblazer.

Output: There could be a variety of reasons . Depending upon your state there are a variety of rating factors which affect your premium . In California you are rated on the year , make and model of your vehicle . You are also rated on your driving experience . You are rated on the location of your household , and the drivers in your household . You are rated on your total annual miles . If you have violations and accidents these increase the premium dramatically .


Input: Why is my insurance so high? I am a 26 year old female with a clean driving record. I drive an 05 chevy trailblazer.

Output: A little hard to say in a general sense , but this is a terrific question for your Insurance Professional . There are a number of details that are factored when developing the rate that you pay . You mentioned the year of your car as well as the type . A vehicle like yours can in some cases cost more on the liability portion f your policy due to it 's size and weight . Another factor is how you drive -LRB- pleasure or commute for example -RRB- and how many miles you drive . The state and area where you live can be a factor as well . The coverage options that you have chosen will also naturally drive premium . Ask to see if you are receiving all available discounts . If you insure your car and home with the same company , there can be some very nice premium savings discounts available .


Input: Does A Renter Have To Have Renters Insurance?

Output: A renter should have renters insurance to protect your assets , personal property and loss of use . However unless required by a landlord to carry renters insurancethen renters insurance is an option . I recommend you check with your auto insurance provider about obtaining renters insurance policy since in many cases the multi policy discount will off-set the cost of renters insurance .


Input: Can You Borrow Against Annuities?

Output: You can not borrow from annuities . You may be able to withdraw some money without penalties according to the policys withdrawal provisions . But keep in mind that you may have a 10 % tax penalty for accessing withdrawals before 59 . One way to accomplish your goal is to use your annuity as collateral at your local bank and borrow from it .


Input: When Is Medicare Primary?

Output: There are many factors to look at in determining whether Medicare is the primary or secondary payer , for persons who have both Medicare and other health insurance . This interaction chart from Medicare makes it easy to find who is primary for you : WEBSITELINK . You could also call 1-800-MEDICARE to ask about specific situations .


Input: What If I Don't Use My Long Term Care Insurance?

Output: This is a quandary for consumers . If they purchase long term care insurance and never use it , theyre out the premiums paid . Thats why many consumers are turning to another alternative ; either purchasing annuities or life insurance with long term care riders , whereas , if you dont use the benefits of long term care rider you dont lose it . But in keep in mind the cost of the rider , if any , is still being deducted from the policy .


Input: What If I Don't Use My Long Term Care Insurance?

Output: If you do n't use your long-term insurance , you are typically in very good physical health and you are very fortunate . This is a positive development . If you are utilizing your long-term care coverage , there is a medical issue that is certainly impacting your quality of life . As full-time brokers -LRB- not `` part time -RRB- we can assist you by providing unbiased advice .


Input: What Is The Average Cost Of Medicare Per Month?

Output: For most individuals , Medicare Part A will be premium-free . This happens if you 've hit your 40 quarters -LRB- 10 years -RRB- of working life and paying FICA taxes . If you do n't hit this , the premium will be up to $ 426 per month . In 2014 , Individuals with Medicare Part B will pay anywhere from the minimum $ 104.90 per month -LRB- this is most individuals -RRB- , up to the maximum of $ 335.70 per month , depending on your income level -LRB- individuals with higher incomes pay a higher premium due to the high-income penalty on Part B premium calculations -RRB- . So for those with only Parts A & B , the `` average '' person will likely be paying $ 104.90 per month between the two . If you want to add prescription drug coverage or a Medicare supplement plan , you will have additional premium expenses -LRB- the premiums will also be based on the plan you 're applying for , your age , and other factors -RRB- .


Input: Is Water Damage Covered By Home Insurance?

Output: It depends on the origin and cause of the water . A distinction has to be made between flooding and water damage . A flood is usually caused by external water rising , usually from heavy rain or a river overflowing . Flood is not covered by most homeowner policies . Water damage is generally defined as water hitting your home before touching the outside ground . It can originate from a roof leaf or a broken pipe and is usually covered by homeowners insurance .


Input: Is Water Damage Covered By Home Insurance?

Output: No . Under most circumstances is not covered . Water damage is normally listed within the exclusions of a homeowners policy . There are certain instances where water damage may be covered like a burst pipe . Remember every policy is different . Please read your policy completely to understand the coverage provided and any exclusions that there may be or contact your local agent to have them go over the policy with you .


Input: Does Home Insurance Cover Forest Fires?

Output: That is a great question ! Fires were the number one reason that homeowners policies came about way back when , and still are one of the top reasons to have one . Unless you just took out your policy as the fire raged closer , you should be fine . Good luck , and thanks for asking !


Input: Does Home Insurance Cover Forest Fires?

Output: Yes , your Homeowners Insurance does cover damages resulted from forest fires , except when : a -RRB- you got a brand new policy -LRB- not renewal -RRB- during the forest fire in progress . Usually insurance carrier forbids binding new coverage in restricted/catastrophic areas . To check if your area is currently restricted visit WEBSITELINK b -RRB- due to prior losses your policy limits coverage and excludes fire . Check your existing policy documents . Most of insurance carriers provide policy forms in electronic format . Open your policy in any browser and search from the word `` fire '' . Then read related page and you will get the answer to your questions .


Input: Does Home Insurance Cover Forest Fires?

Output: Fire is the primary peril covered by a homeowners policy . If your property is damaged in a wildfire , such as those ranging about 60 miles from me right now , your company will cover the damages . During this period of heightened risk the company will probably not allow you to change coverages to avoid incurring even greater losses .


Input: Does Home Insurance Cover Forest Fires?

Output: Damage from fire is a very common covered peril in a Homeowners ' policy . Whether this fire is localized to your home or if your home is damaged as a result of being in the path of a forest or wild fire , there would be no difference in the coverage provided .


Input: Can Felons Get Medicare?

Output: It is possible for felons to get Medicare . They must meet some certain conditions , such as a waiting period of 5-15 years before they can apply for Medicare benefits -LRB- the less serious the crime , the shorter the waiting period -RRB- . This can possibly be reduced by one year with a letter from a probation officer , or it could be waived in the event of end stage renal failure . The felon can not be a fugitive or currently incarcerated .


Input: Do Medigap Plans Have Drug Coverage?

Output: Modern Medigap plans do not include drug coverage . Some of the older plans , those issued prior to 2006 , may include a limited drug plan . If you have a Medigap plan you should consider a stand alone drug plan . The beauty of this approach is you can find a drug plan that meets your needs . When you buy a Medicare Advantage plan with built in drug coverage you take the plan they want you to have .


Input: Do Medigap Plans Have Drug Coverage?

Output: Medigap plans purchased after January 1 , 2006 , are not allowed to have drug coverage . To get prescription drug coverage along with a medigap plan , you must purchase Medicare Part D. Medigap policies cover things not covered by Part A and Part B , like co-payments , deductibles , and health care if you travel outside the US .


Input: What Insurance Companies Offer Disability Insurance?

Output: Many companies do offer disability insurance . However in order to find what 's best for you by fitting you with the best product choice you should be prepared to submit some information to analyze your need . One my specialties is in this field and all over the nation . The lower the rate and the more the coverage is the best way . Alway look for one that specializes in this coverage for better results .


Input: What Insurance Companies Offer Disability Insurance?

Output: There are a LOT of companies that have disability insurance . To name a few of your more standard carriers -LRB- meaning they are highly competitive if you are healthy and do not have a high-risk job -RRB- : Standard Insurance , Principal , MetLife , Mutual of Omaha , Mass Mutual . If you have any medical problems , or if your job is considered dangerous , you could look into Lloyds of London , Fidelity or Assurity .


Input: What Is The Minimum Amount Of Car Insurance Needed In Pennsylvania?

Output: In Pennsylvania the minimum liability coverage requirements for auto insurance are : $ 15,000 per incident with a $ 30,000 maximum and a $ 5,000 personal property .


Input: What Is The Minimum Amount Of Car Insurance Needed In Pennsylvania?

Output: Pennsylvania state minimums for car insurance are 15k/30k for Bodily Injury , 5k for Property Damage and 5k for Medical Payment . All other coverage and limits are optional . However I highly recommend Uninsured -LRB- UM -RRB- and Underinsured Motorist -LRB- UIM -RRB- coverage . This protects You if the person who hits you does n't have insurance or enough insurance to cover Your damages . Go to : WEBSITELINK for more information and some free quotes !


Input: Can A Landlord In Boston Require Renters Insurance?

Output: That is a great question ! A landlord can make it a requirement for the tenants to have renters insurance before allowing them to sign the lease . I have to tell you that they are doing you a favor by requiring it . The complexes insurance will not cover your belongings should there be damage or theft in your apartment , the financial responsibility to replace or repair is all yours . Their insurance will only cover the damage to the building itself . If you were to have a guest become injured while visiting in your apartment , it is your responsibility , not the landlords . By making it a requirement , the landlord is actually getting you to financially protect yourself . Nice landlord ! Find a local agent , and buy a policy , they are inexpensive , and well worth it . Thanks for asking !


Input: Can A Landlord In Boston Require Renters Insurance?

Output: So long as the laws of the Commonwealth of Massachusetts or the City Ordinances of Boston do not prohibit a landlord from requiring proof of renters insurance from their tenants , then the landlord is free to include such proof as a condition of the lease . I 'd check with a local attorney or consult an official in the City Building Office to see if any such laws or ordinances apply . Regardless of they require it or not , it is always in your best interest to talk to an Insurance Professional and secure that coverage for yourself .


Input: How Much Is Homeowners Insurance On A Mobile Home?

Output: Homeowners insurance for a mobile is not much different than regular homeowners insurance . Some of the information that is required to be able to secure coverage will be a different though . Mobile home homeowners coverage is not something that every carrier does . To find out more about coverage and pricing in your are please contact a local agent for a free quote .


Input: Who Sells Fixed Index Annuities?

Output: Fixed annuities are sold by many major insurance companies including Prudential . Since there are so many facets and differences from one fixed annuity to the next -LRB- including of course ... the interest rate guarantee ! -RRB- , it is critical to speak to a full-time licensed broker or financial planner to review the best annuity that is most suitable to your needs .


Input: Can My Car Insurance Drop Me?

Output: Yes , is the short saner . Insurance Carriers carriers can some times no withstand thee claim loss experience you generate . The pricing of the product is not universal . Most major preferred and standard market insurers can handle 80 % or more of the buying public . But there are folks out here who you can not sustain at any price . There are some carriers whoever do take on a lifetime guarantee > The Hartford will offer you this guarantee if you do not have a driving while intoxicated conviction . For a quote from the Hartford or other fine insurers contact us at -866 -933 -4372 or go to www.insurancebrowser.com


Input: Can My Car Insurance Drop Me?

Output: Yes , they can , in certain situations . I 'll say first that I can only answer for Michigan but most states do behave similarly . Your eligibility for auto insurance with a standard carrier is measured on a point system . To be eligible for a standard carrier in Michigan , you can not have more than 6 eligibility points . The point system is pretty simple , with more points for more serious infractions . For instance , a speeding ticket for 5mph over the speed limit , and other similar violations are worth two points while an at fault accident is worth three . These points do have an expiration , normally two to three years for accidents and minor violations . Major violations such as a DUI or wreckless driving expire in five years and one of these deems you ineligible . Your insurance company can cancel your policy if you reach 7 points or more that have n't expired . Two at fault accidents in the last three years will also get you here as your second at fault is charged four eligibility points . Two things to consider : First , you can still get insurance if you have been cancelled but it 'll cost you a lot more . Second , do n't think that , just because the judge said he 'd waive the points from a ticket , these wo n't count for insurance purposes because they will . If it shows up on a driving record or a claims record , the companies have no choice but to apply them . If you have a good agent , he can find coverage for you even if you 've been cancelled by a company . Be smart , find an agent you can trust , and listen to him/her . You 'll come out better in the long run .


Input: How Can You Find Out If Someone Has Car Insurance?

Output: Without being involved in an accident with the person that you are attempting to find out about ; your only legal option would be to ask them . I am not aware of any service or data base out there that will provide you with that information . Due to privacy laws the insurance carrier and agent are only allowed to release that information to a select number of authorized persons and businesses .


Input: Who Is Proposer In Life Insurance?

Output: The proposer in life insurance is the person who proposes entering into the life insurance contract with a life insurance company to insure themselves or someone else . E.g. . If an adult child is seeking life insurance to pay for a parent 's final expense needs , the adult child is the proposer of the policy .


Input: What Does Dave Ramsey Say About Car Insurance?

Output: Dave Ramsey provides very basic and usually helpful information to consumers . However , to get the best rate in your area from the best available carrier , an experienced broker will be a much better resource . State laws vary and an experienced broker will be able to shop for you -LRB- at no cost -RRB- and present you with the best options .


Input: Does Farmers Insurance Sell Disability Insurance?

Output: No , Farmer 's Insurance Group does not sell Disability Insurance . To get a quote for Disability Insurance , you can call an agency that sells multiple Life Insurance policies , either in your local area or on the internet . They can help you shop multiple companies to find your best Disability Insurance rate .


Input: Does Obamacare Have Any Effects On Life Insurance?

Output: Obamacarewill not effect life insurance , which is sold in the free market andunencumberedby federal intervention . Interestingly , the US Department of Health and Human Services may allow the sale of life and disability insurance at the state exchanges . Thefederaldeficiton the other hand could force the hand of the government to seek new forms of revenue by removing the tax deferred , inside build up of cash values in life insurance and annuities .


Input: Does Obamacare Have Any Effects On Life Insurance?

Output: Does Obamacare effect life insurance ? So far , no . But at some point Obamacare and all that it offers , has to be paid for . There is a serious effort in DC to find tax revenue sources and life insurance and annuities are both being eyed for future tax revenues to support the cost of healthcare . One thing when changes like this happen , and they do happen , what 's in force is usually grandfathered and kept exempt from the action . Usually something like this would apply to future purchases . Just another reason not to `` round to it . ''


Input: Does Obamacare Have Any Effects On Life Insurance?

Output: Not directly as it is health care reform . But , life insurance may provide for some planning relief for some higher income taxpayers -LRB- 250,000 + -RRB- . In addition to higher income taxes in 2013 for higher income taxpayers , this year also saw new taxes to pay for health care reform due to the 3.8 % Medicare Tax on Net Investment Income and the 0.9 % Increase in Hospital Insurance Tax on Wages . The 3.8 % tax impacts net investment income . With careful planning , life insurance cash values can be accessed , potentially tax free whereas many other sources of income may be subject to the combination of higher tax rates and 3.8 % Medicare Tax .


Input: Who Is The Owner Of A Group Life Insurance Policy?

Output: The owner of a group life plan is the business owner or corporation providing coverage to the employees . The owner would hold the master policy and the employees would hold a certificate of coverage . Group life insurance is a nice perk for both employer and employee . For the employer it is a very affordable benefit to help secure employee turnover . For the employee , it is a nice added bonus to their personal financial plan . However , group life should never take the place of individual life insurance . If you change jobs in almost every case you will lose this coverage and run the risk of losing insurability as well .


Input: Who Is The Owner Of A Group Life Insurance Policy?

Output: That is a great question ! In the most common scenario 's , the owner of the group life policy is the employer or entity that offers the insurance to you . At work , your group life plan offered in your benefit package will list your immediate employer , or the parent company of your employer as the owner -LRB- so KFC may list KFC , or they may listYumFoods , or they may list Pepsi , depending upon who purchased the policy -RRB- . Some charitable organizations will also offer benefits , and the charityor its trustees are generally the owners . Think of it as like you owning the policy for your child , though they 've become old enough to start paying for some of the premium . I hope that helps , thanks for asking !


Input: Who Is The Owner Of A Group Life Insurance Policy?

Output: In a group life insurance policy the employer will be designated as the Master Policy Holder and the employee , if coverage is elected , will be designated as the insured . Any employee who elects to be covered under the group plan will be issued a `` Certificate of Insurance '' , and in the event of death their beneficiaries will receive the amount of benefit selected / or owed .


Input: How Much Will Health Insurance Cost Under The Affordable Care Act?

Output: Some have said the rates will go up and others have said the rates will go down . Everyone is probably correct since there are many variables that the actuaries use to determine rates . The good news is that as of 10/1 the health insurance rates based on the Affordable Care Actare now available so you can find out whether they will go up or down for you and/or your family . Keep in mind , there have and will continue to be many technological issues . You have until 12/7 to make your decision for your 1/1/14 policy . You may want to wait to do your analysis with your broker for another week or two for some of the glitches to be fixed , but do n't wait until the last minute or your may face other problems including possible penalties .


Input: Why Is Health Insurance More Expensive For Women?

Output: In past years , health insurance was typically more expensive for women under 50 due to the cost of medical care compared to men of the same age . After 50 , rates were typically higher for men , who tend to begin incurring higher medical bills than women after age 50 . Since the implementation of the Affordable Care Act , the cost for coverage for people of the same age can no longer be based upon their sex , meaning the cost of coverage for a 40 year old man would be the same as the cost for a 40 year old female to purchase the same policy .


Input: Where To Get Term Life Insurance?

Output: That is a great question ! There are a great many companies that would be happy to sell you a policy . My advice when asked this question is always the same - shop on a quick quote site , to get an idea of the lowest cost offered -LRB- because the internet sites will give that to you to sucker you in -RRB- and then go find an independent agent -LRB- one not tied to a specific brand -RRB- who can get you the best realistic price on the best policy . If you would like help , please feel free to contact me , I 'd be happy to help . Thanks for asking !


Input: Where To Get Term Life Insurance?

Output: You can get good Term life insurance online without ever having to meet with a life insurance agent . Find a website that has some good testimonials and a trusted reputation via the Better Business Bureau , TrustE certificate , etc. . Then simply contact them and apply . Most of them have legitimate businesses and go to considerable expense to build them up . Giving them your patronage is certainly a valid and often preferable choice for many people . Another option is to meet with an agent face to face . Many brick and mortar offices also have an internet presence , so you can do either . Term life insurance has built in guarantees and is not complicated to buy . But you do want to know that your agent has your best interest at heart . Sites like InsuranceLibrary.com and the websites for agents and agencies is a good place to read about us and determine which would be a good place for you to buy your Term life insurance policy .


Input: What Type Of Drug Test Is Used For Life Insurance?

Output: With the blood test , the insurance company checks for nicotine use . With urinalysis they may look for cannabinoids -LRB- marijuana -RRB- , cocaine , amphetamines -LRB- meth , speed -RRB- , opiates -LRB- heroin , codeine , morphine -RRB- , and phencyclidine -LRB- PCP -RRB- . Not all use the same tests . Some use the testing of salvia to test of drugs , and No Exam policies do not do any drug testing .


Input: What Type Of Drug Test Is Used For Life Insurance?

Output: Drug testing has been going on for the last 25 years for jobs , volunteers in prison and for life insurance . Life insurance companies routinely test for drug use by urine analysis . Two specimens per 1,000 test positive for cocaine .


Input: What Does A Medicare Wellness Visit Cover?

Output: According to the Centers for Medicare and Medicaid Services , your Wellness visit should occur if youve had Part B for longer than 12 months . Prior to this visit , you would of had a Welcome to Medicare preventive visit during your first 12 months on Medicare . The Wellness visit is completed annually . The provider is supposed to ask you to complete a brief questionnaire , called a Health Risk Assessment to help develop a personalized prevention plan . Medicare covers many preventative services and it is during this Wellness visit that you can discuss which ones are right for you . If the doctor accepts Medicare assignment , you pay nothing for the yearly Wellness visit . If additional tests or services are completed during the same visit that are not covered under this benefit , it is possible that you will be responsible for paying co-insurance and the Part B deductible . Thank you for reading my response . Please let me know if I can be of further assistance .


Input: Will Medicare Cover Wigs?

Output: In most situations , Medicare does not cover items that are cosmetic in nature , but there are a few exceptions . Medicare recognizes that part of the healing process and recovery from cancer radiation treatment is the need for the patient to feel normal again . If hair loss is due to cancer therapy , Medicare will usually cover at least some of the cost of a wig .


Input: What Is National Benefit Life Insurance Company?

Output: `` National Benefit Life Insurance Company '' used to be `` Beneficial National Life Insurance Company '' . They underwrite State Disability Insurance , Student Life Insurance , and term life insurance sold by Primerica Agents in New York State . Their home office is in Long Island City , NY and they are rated A + by AM Best .


Input: Does Homeowners Insurance Cover A Lost Ring?

Output: Homeowners insurance covers personal property `` any where in the world '' however , most policies cover personal property on a named peril basis . Unfortunately losing something is not a named peril . Examples of named perils are fire , theft , and lightning . When it comes to jewelry , I always recommend a separate jewelry policy referred to as an Inland Marine policy . Inland Marine policies are `` all risk '' policies so even if you lose a scheduled item it 's covered .


Input: Does Home Insurance Cover Foundation Cracks?

Output: Home owners insurance will typicallynot cover foundation cracks that are not caused by a covered peril . This is typically considered to be part of basic home maintenance . Please read your policy completely to understand the coverage provided and exclusions within the coverage or call your local agent to have them explain your policy 's coverage and exclusions .


Input: Does Home Insurance Cover Foundation Cracks?

Output: Great Question that is most asked by homeowners in California or other state that have Earth movement . Usally this question if not easy to answer with a yes . But it would be something to ask your current insurance company but most policies do not cover foundation cracks . Always check your own policy .


Input: Does Home Insurance Cover Foundation Cracks?

Output: Only if it is something that is sudden and accidental which is the key to all insurance claims . Depending on how it occurred and what made it happen is the criteria used for settling claims . As the others have mentioned , a crack in a wall / foundation etc are maintenance issues meaning over the course of owning a home you should keep the property well kept when something happens . Examples are a roof that is wearing out and needs replaced , the foundation with cracking or bowing , etc. .


Input: Does Home Insurance Cover Foundation Cracks?

Output: Typically this is not a covered peril as David mentioned . One thought I had is if your home is fairly new you can call your home builder and see what theirwarrantyis on your foundation . In Scottsdale , AZ where I live there has been a lot of homes built in a short amount of time , and this is a common issue .


Input: Does Renters Insurance Cover Vehicle Theft?

Output: Renters insurance does not cover vehicle theft . Vehicle theft would be covered under your auto insurance policy provided you carry comprehensive coverage on your auto policy . However , if you have a renters insurance policy and some of your personal items were in the vehicle that was stolen they may be covered by your renters policy as long as the items are personal items and not part of the vehicle .


Input: When Is Full Coverage Auto Insurance Required?

Output: That 's a great question ! Most commonly , you will be required to carry full coverage insurance on the car idf the car has been purchased through a lender . So that they are not out their investment in your car , they will often require the full coverage on the car . You may also need it for company vehicles , but lenders most commonly . Thank you for asking !


Input: How Can I Find Out What Insurance Group My Car Is?

Output: Insurance `` groups '' are typically used by insurers in the UK . You can contact your agent or the insurance company directly and find out the group of your vehicle . Her in the US , often cars are given symbols for rating purposes . You can also contact your broker or carrier to determine the symbol , which determines the risk of the car/truck .


Input: How Do You Get Medicare Part D?

Output: To get Medicare Part D , you first have to find the Medicare drug plan that you want to join . Then you can go to that plan 's website and enroll online , or complete a paper form enrollment , or call that plan 's phone number , or call Medicare at 1-800-633-4227 . This website is helpful in selecting your plan and telling you where and how to enroll . WEBSITELINK


Input: What Is A Rider In Health Insurance?

Output: A rider in health insurance -LRB- or in any type of insurance -RRB- is an optional benefit that may be purchased and added to the policy . For example , you could purchase a critical care rider which pays cash directly to the policy holder upon diagnosis of specified critical illnesses . An example in life insurance is an accelerated death benefit , in which the insurance can use a portion of the death benefit while they 're still alive , if diagnosed with a terminal illness .


Input: Does Life Insurance Count As Taxable Income?

Output: As a general rule death benefit proceeds generally pass to their designated beneficiarys tax free . There are some business scenarios where death benefit proceeds are subject to the alternative minimum tax as a preference time and could be included as revenue at ordinary income tax rates . There may be estate taxation on the federal and/or state level . As an income item , if the life insurance policy is a modified endowment contract , loans are taxable . If the life insurance is a non-modified endowment contract and the policy lapses , is surrendered or the policy reaches its maturity dateall policy loans , -LRB- those received and internal -RRB- are ordinary income tax events is the year they occur .


Input: Does Life Insurance Count As Taxable Income?

Output: Great question ! For those with complicated scenarios or specific estate and business related implications please see the other excellent , in-depth responses to this question . But frankly for most people the answer is that death benefit amounts from life insurance are generally received free of taxes . As always , consult an expert in legal areas , tax preparation , or insurance to get the most accurate and up-to-date advice . Good luck !


Input: Does Life Insurance Count As Taxable Income?

Output: In general , yes , the life insurance death benefit is income tax-free -LRB- IRC Section 101 -LRB- a -RRB- -RRB- . But , there are situations where this benefit may be lost . If too much premium is paid into the policy in violation of Section 7702 of the IRC , the policy is no longer considered life insurance , and the death benefit is income taxable . Insurance companies monitor this and usually take action to prevent such violations . Insurance professionals worry more about the following more common situations where the death benefit can be taxable since the burden is on the policy owner to monitor and violations are usually not caught before it is too late . 1 . Since 2006 , new rules apply to life insurance in a business context which subjects the life insurance death benefit to income tax . If the policy does not meet the special requirements of Section 101 -LRB- j -RRB- such as the notice and consent or protected class requirementsthe death benefit may be income taxable . There is also an annual IRS reporting requirement -LRB- Form 8925 -RRB- . We find most small business owners are not aware , especially of the latter requirement . Most tax professionals are usually not aware either . This is a common and growing problem which generally can not be corrected -LRB- except to cancel policies and start over -RRB- . 2 . Three parties to a policy -LRB- aka Goodman triangle -RRB- : If a third-party owner names a different third-party beneficiary of a life contract , the proceeds may be income taxable or gift taxable . 3 . If the policy falls within the transfer-for-value rule and does not qualify for a safe-harbor exception , its death benefit is income taxable . Business owners should meet with a life insurance professional who can perform a comprehensive policy review and can coordinate with your tax and legal advisors . These comments are for planning purposes only and are not tax or legal advice .


Input: Does Life Insurance Count As Taxable Income?

Output: Let me add a few other cases to the previous answer . While as a general rule life insurance death benefits are not taxable , there are a few more cases that can be taxable . Not only are life insurance death benefits counted as an asset for Federal Estate Tax , it is also counted for any equivalent state tax . Many states have limits lower than federal limits and may become subject to state taxation should the entire value of the estate exceed the state exemption . Also , it is important to avoid the Goodman Triangle . There are three parties involved in a life insurance contract , besides the insurance company . There is the insured , the person being covered , the owner , the person who controls the policy and typically pays the premium , and the beneficiary , the person named to receive the death benefit . It is important that at least two of these be in common to avoid Federal Income Tax . That means the owner should be either the insured or the beneficiary . To be safe , work with an insurance professional who is familiar with these rules to help you avoid problems . Finally , should you be concerned that the benefit will be taxable it would be wise to consult with a tax professional who is familiar with both Federal rules and the rules of your state .


Input: Does Life Insurance Count As Taxable Income?

Output: Death Benefit Payments to a Beneficiary DO NOT count as Taxable Income . However , if paid to a persons Estate , and not directly to an Individual ; the Death Benefit payment will be taxed along with the rest of the Estate . Also , all Death Benefit Payments are subject to Federal Estate Tax , even for a direct Beneficiary . This means that any Death Benefit Payment OVER the Estate Tax Exemption -LRB- currently $ 5.25 Million -RRB- is taxed at the Estate Tax Rate -LRB- currently 40 % -RRB- . But obviously most people do not have policies with Death Benefits over $ 5 million . So this applies to very few people .


Input: Which Retirement Plan Is Best For Me?

Output: A qualified defined contribution plan is a good place to begin . The contributions are pretax or tax deductible , the account accumulates tax deferred and some employers actually match portion of your contribution . But id your employer does n't offer a plan and you 're in a low tax bracket , you may consider a non-qualified plan like indexed universal life .


Input: When Do Kids Need Car Insurance?

Output: Your child needs to be insured as soon as he or she receives their license . While driving with a temporary permit they will be covered . Once they receive their license you need to add them to your policy or have them purchase their own . It is usually less expensive if you add them to your policy . Check with your agent for laws in your State and the best way for your child to be insured .


Input: What Is Excess Life Insurance?

Output: Excess Life Insurance is the amount of life insurance that you have through your place of employment that exceeds $ 50,000 . The first $ 50,000 is generally not taxable to the employee . The `` excess '' of coverage beyond that first $ 50,000 must be reported to the IRS as income , minus any after tax premiums paid by the employee .


Input: Who Cannot Get Long Term Care Insurance?

Output: Unfortunately , persons who have a high risk of having the need to collect on long term care benefits may be unable to get long term care insurance . E.g. . If they have already had a stroke , or have had an amputation due to diabetes , have Alzheimers , or have MS , they probably can not get long term care insurance .


Input: How Much Life Insurance Can I Get?

Output: How much life insurance for income replacement purposes you can get is primarily a function of your income if considering a purchase during your working years . Each insurance company has its own maximum limit of the amount they will issue you considering all of the life insurance you have on your life but a good rule of thumb for insureds under age 45 is up to 25 times earned income . The multiple is less at older ages and in retirement years , net worth becomes a key factor .


Input: How Much Life Insurance Can I Get?

Output: The amount of life insurance coverage is directly correlated to the amount you can economically justify which may include future values on income and/or estate growth . There is also some play here within the retention of life insurance companies to be more benevolent with amounts that fall into multi-planning scenarios such as domestic and business insurance purchasing .


Input: How Much Life Insurance Can I Get?

Output: Income is the primary determinant for underwriting the amount of life insurance coverage allowed -LRB- applied for plus inforce amounts -RRB- . Maximum coverage under age 45 will be 25 times earned income or more . The earned income multiples grade down as you age . Your budget will also determine what you can afford . Above age 70 , net worth is very important in determining maximum coverage allowed . Net worth , income and the premium for the requested coverage are considered together using different formulas . Generally , the maximum total coverage allowed will be 50 % of net worth .


Input: How Much Life Insurance Can I Get?

Output: Well it depends on your age and the need . If you are over 75 year old you can get up to 100,000 in most companies . If you are under that age you can get as much as you can show the insurance company a need . But a normal person can get up to 500,000 of life insurance with no problem if you can pay the premium


Input: How Much Life Insurance Can I Get?

Output: You can get the amount of life insurance for which you qualify financially . Generally speaking , the more income you have , the more life insurance you are qualified to get . However , assets will also be considered , and the younger you are , the more coverage you can usually get .


Input: Will Doctors Stop Seeing Medicare Patients?

Output: Doctors will not stop seeing Medicare patients . Medicare is an ever increasing pool of new patients . Medicare patients are `` insured '' , whether covered by original Medicare -LRB- and a supplement -RRB- or a Medicare Advantage plan . This insured status means doctors are almost always guaranteed to be paid for their services . Of course medical necessity is the key to getting paid .


Input: Will Doctors Stop Seeing Medicare Patients?

Output: While there may be some doctors opting out of the Medicare system , I do not see this as a major concern . Too many doctors have a large percentage of there revenue come from Medicare patients . The concern among doctors is the cuts that Medicare has made , but I do not see a mass exodus from the system .


Input: What Are Land Annuities?

Output: Land annuities that youre addressing are Irish payments to the British government that appears to be some sort of tax generating revenue approach imposed by the UK . The British government passed several land reform bills targeting land lord revenue . This is such an intriguing question if my assumptions are correct .


Input: How To Plan For Retirement?

Output: With financial planing , determining your objectives is the first step . Retirement planning is no different , it is a two part process . First you need to decide what a successful retirement would look like for you and then you need to plan how to fund it . What do you want to do in retirement ? Spend some time discussing this and writing down your objectives . One you have an outline , you can work with a financial planner to design a plan to accomplish your objectives . There is more information on retirement planning on my website www.jpw.ca If you have further questions , or feel that I could be of assistance , please do not hesitate to contact me . If you would like to work with a local Retirement Planner , you could start with a Google search . For example if you search for : retirement planner Halifax or retirement planning Halifax , my name along with several others will come up . You can use the same method to find Retirement Planners in your community .


Input: How Does Metlife Life Insurance Work?

Output: Metlife is one of the largest life insurance companies in the world by total assets and life insurance in force . It has a huge retention capacity to underwrite risk without reinsurance assistance . MetLife underwrites their prospects through a medical due diligence process and financially validates the requested coverage . An offer is made to the prospective policy owner and if accepted and bound with the required premium is placed in force as an active policy .


Input: How Does Metlife Life Insurance Work?

Output: MetLife offers a variety of life insurance products in both individual and group policies . Therefore , each policy will work according to the type of life insurance it is . Their term insurance is guaranteed not to go up for the entire term . Their universal life guarantees depend on what type of policy it is . You can contact an agent that carries MetLife polices -LRB- including me -RRB- to find out about a particular product .


Input: Can A Health Insurance Company Cancel Your Policy?

Output: Yes , but only in certain situations such as you not paying your premiums -LRB- the policy would lapse -RRB- or if it 's discovered you intentionally lied on the application for the coverage -LRB- fraud -RRB- . A policy is a contract - you agree to pay a certain premium amount in exchange for coverage so when a situation occurs that is covered by the plan , the insurance company pays their portion of the claim up to the specified amounts in the policy and any remainder would be billed to you , if applicable . Please let me know if I can be of further assistance . Thanks very much .


Input: When Should You Buy Whole Life Insurance?

Output: As soon as possible . If you want to protect your assets like your house , any debt or taxes owed if something should happen to you . Last thing you want to do is have a financial burden on your family . If your looking at saving for the future , specifically retirement planning , than life insurance is a great product to have . Tax deferred and tax free are two of the most important things you want to know and understand . If you mixed that earning a rate of return on your money , and compound interest than you have the best of three worlds . Saving , interest , earning interest on top of the interest you just earned while having it all be tax free . Actually the best of 4 worlds lol .


Input: When Should You Buy Whole Life Insurance?

Output: When should you buy whole life insurance ? When you are as young as possible and as healthy as possible . Whole life insurance locks in the cost , gives you back your premiums with additional gain over time and can provide a growing death benefit along the way . The biggest reason for me was control . The insured controls the policy . It 's yours , they ca n't take it away , they ca n't raise the price , they ca n't reduce your cash values . It 's yours . YOU own it .


Input: When Should You Buy Whole Life Insurance?

Output: You should buy a whole life policy as soon as you determine how much protection you will require for the balance of your life . Some responsibilities come and go , but several remain . Final expenses remain , bequests remain , charitable giving remains , and many other personal reasons remain . Buy the whole life you know that you need now and lock in the lowest possible rate .


Input: When Should You Buy Whole Life Insurance?

Output: This can vary depending on the need for the life insurance . In general , it 's better to buy it at a younger age than an older age as it will have more time for the cash value to grow . Since it 's a whole life policy , the premiums will remain guaranteed for life . If it 's a participating whole life policy , you may have the option to use dividends to increase the death benefit and/or lower your premiums over time . If you are only concerned about the death benefit and not the cash value , you may also want to consider a guaranteed universal life policy to maximize the death benefit while keeping the premiums to it 's lowest levels -LRB- this is generally more advantageous for older individuals -RRB- .


Input: What To Do When Term Life Insurance Expires?

Output: If you have a term life insurance policy and the guarantee period on it is expiring , you have a several options : 1 -RRB- you can continue to pay premiums as the policy will be annually renewable , however , the premiums will start to go up each year -LRB- based on age -RRB- by a substantial margin . 2 -RRB- If the conversion period is still available , you can convert all , or a portion , of the face amount to a permanent policy with new medical underwriting . 3 -RRB- you can stop paying premiums and let the policy lapse , thus ending your coverage . 4 -RRB- you can apply for a new policy -LRB- can be with the same carrier or a new carrier -RRB- to secure a new term or permanent insurance policy .


Input: What To Do When Term Life Insurance Expires?

Output: If you have a term life insurance that is set to expire soon , run , do n't walk , to find out your options before it expires . You can ask your current agent , call the life insurance company , or pick out an agent you feel you can trust and ask them to compile your options for you . If your health has gotten worse since you took out your term policy , you may not have the option to buy as much coverage as you would like , in a new policy . Converting your term policy to Universal or Whole Life allows you to keep the same amount of coverage and even be rated the same as you were before , without having to answer a single health question . Many term policies are convertible to the end of the term or to a certain age , whichever comes first . Some are only convertible for part of the term . If conversion is not an option , you must either pay the new higher premium , or purchase a new policy when your current term coverage expires .


Input: Does Renters Insurance Cover Theft Of Cash?

Output: It may , but more than likely a very limited amount and may be subject to your policy deductible . Remember every policy is different . Please read your policy completely to understand the coverage provided and any exclusions that there may be or contact your local agent to have them go over the policy with you .


Input: What Type Of Auto Insurance Covers Hit And Run?

Output: Most people expect coverage for damage caused by an unknown vehicle to be in their uninsured or underinsured motorist coverage , however , that is not the case . If the source of the damage can not be identified , it will be covered as a collision claim subject to the deductible in the policy .


Input: What Type Of Auto Insurance Covers Hit And Run?

Output: If your car is damaged as a result of a hit and run caused by another party , then the Collision coverage provided in your auto policy will be used to pay for the damage repair . Unfortunately , the settlement from your insurance company will be subject to your deductible .


Input: What Is Other Structures Coverage On Homeowners Insurance?

Output: Other structures on your homeowners policy would typically be out buildings such as sheds . Most homeowners policy 's provide up to ten percent of the policy valuation for this type of coverage less your policy deductible . Remember every policy is different . Please read your policy completely to understand the coverage provided and any exclusions that there may be or contact your local agent to have them go over the policy with you .


Input: What Is Life Insurance Portability Vs Conversion?

Output: Personal life insurance is completely portable . The policy does not change if you change address or employment . Group term life insurance is usually available only to employees . If you dont work for the company any longer , your term life expires . Conversion refers to your guaranteed right to exchange a term policy , either personal or group , for a permanent insurance plan offered by the company , without consideration of your medical condition . When you leave an employer you are offered conversion privileges because the coverage isnt portable .


Input: What Is Life Insurance Portability Vs Conversion?

Output: Life insurance portability is the ability to take your life insurance with you from job to job , state to state , or even country to country . Life insurance conversion is the ability to change your term life insurance from one that will end a set number of years , to one that will never end .


Input: What Is Life Insurance Portability Vs Conversion?

Output: For life insurance coverage obtained on an association or group basis , conversion and/or portability may be offered . Portability simply means you can take the coverage you already have with you after termination . Conversion is a right to take a new individually issued , permanent life policy with the same insurer , generally without needing to provide evidence of insurability , after termination under some circumstances . It might not be an option available after a certain age or beyond a certain amount . It is almost always limited to a product of the insurer 's choice which may not be as competitive as other products in its portfolio for applicants willing to go through the normal underwriting process .


Input: What Is Life Insurance Portability Vs Conversion?

Output: I am assuming here that you are talking about a group life insurance plan . Portability means that if you leave the company you can take your insurance policy with you . With many group plans you lose the insurance when you leave . Conversion means that you have the right to convert your group term insurance to a permanent plan that you own . You would then be able to take it with you when you leave .


Input: Can You Put Your Boyfriend On Your Health Insurance?

Output: That is a great question ! The answer will depend on a couple of things . The first is whether or not your State recognizes domestic partners as a relationship status . In most cases , those States will require employers to offer the same plans offered to spouses to the domestic partner . The second is whether you meet whatever the standard is to be a domestic partner . There will be qualifications on time spent together , shared expenses and incomes , things like that . Your Boyfriend can not still be married , that 's a deal breaker in every case . Check with your employers HR person , or plan administrator , and find out exactly what they offer . Thank you for asking !


Input: How Much Will My Life Insurance Payout?

Output: If you consider the payout to be the death benefit , the average person receives much more than the sum of premiums paid and has enjoyed peace of mind through the process . If someone lives to life expectancy they will discover that the cheapest life insurance was not the one with the lowest premium rather it was the one with the highest premium because if became paid up long before death and resulted in a payout far greater than the sum of premiums .


Input: How Much Will My Life Insurance Payout?

Output: That is a great question ! The amount that your policy pays to the beneficiary is called the face amount , or death benefit . It is the stated sum on the policy , -LRB- the large number -RRB- and there will also be a smaller number called the surrender value . If the insured passes away , the company pays the face value -LRB- minus any loans , or unpaid premiums -RRB- to the beneficiary . If you decide to cash the policy out early , the surrender value -LRB- minus loans , fees , and unpaid premiums -RRB- are paid to the policy owner . Thanks for asking !


Input: How Much Will My Life Insurance Payout?

Output: Upon the death of the person whose life was insured by the policy , Life Insurance will pay out the face amount of the policy . If Term Insurance , the policy will not pay anything if you have missed over one month of payments or if the policy Term has ended and you have not renewed or converted your policy . If death occurs during the years that a Term policy is in effect , the beneficiary will receive the face amount for which the policy was taken out . If Whole or Universal Life and you decide to end the policy early , you could get a payout of the surrender value of the policy . This amount is approximately the same amount as the cash value of your policy , minus surrender charges.Or you could borrow from the cash value of the policy , or do a partial surrender . If you keep your policy in effect until death , it will pay out at least the face amount of the policy , possibly more .


Input: What Is Required By Law For Auto Insurance?

Output: It depends on the state you live in . The state of Ohio requires a minimum of $ 12,500 per person / $ 25000 per occurrence on the liability limits as state minimum coverage . You may also have a financial responsibility bond which takes the place of auto insurance . If you do not have the state minimum insurance you can lose your license .


Input: Does My Auto Insurance Cover Moving Van?

Output: Auto insurance covers the driver first , the vehicle second so yes , you would be covered if your rent a van and are in an at fault accident . The company renting the van will carry coverage on the van itself and you may be responsible if you do any damage to the van as specified in the contract you sign .


Input: What Does Medicare Not Pay For?

Output: Some of the items and services that Medicare does n't cover include : < a title = '' Services that include medical and non-medical care provided to people who are unable to perform basic activities of daily living , like dressing or bathing . Long-term supports and services can be provided at home , in the community , in assisted living , or in nursing homes . Individuals may need long-term supports and services at any age . Medicare and most health insurance plans do n't pay for long-term care . '' href = '' WEBSITELINK rel = `` nofollow '' > Long-term care -LRB- also called < a title = '' Non-skilled personal care , like help with activities of daily living like bathing , dressing , eating , getting in or out of a bed or chair , moving around , and using the bathroom . It may also include the kind of health-related care that most people do themselves , like using eye drops . In most cases , Medicare does n't pay for custodial care . '' href = '' WEBSITELINK rel = `` nofollow '' > custodial care -RRB- Most dental care Eye examinations related to prescribing glasses Dentures Cosmetic surgery Acupuncture Hearing aids and exams for fitting them Routine foot care You can go to the medicare.gov website and check on the main page if any test , item or service is covered by Medicare .


Input: How Do I Go About Getting Life Insurance?

Output: To go about getting life insurance , start with looking at how much insurance you might need . Then go to a website that offers instant quotes to get an idea of what it might cost . Finally , call or visit that website or a local agency to discuss your options . They can make sure you qualify for the policy you are considering , and possibly even help you find something more suitable or at a lower cost . From there you apply , do an exam in your home -LRB- if needed -RRB- and wait for your agent to let you know when you are approved . You will get a copy of your policy to keep .


Input: How Do I Go About Getting Life Insurance?

Output: There are several online brokerage companies that feature life insurance search engines that display a spreadsheet of companies by premium cost . If you 're honest about your health condition , the quotes will be relatively close to the actual offer . Most online applications are not taken by the applicant because of a lack of full disclosure on their medical condition .


Input: Does Renters Insurance Cover Above Ground Pools?

Output: I am not quite sure what you are asking here , so I will try and answer two questions . First , renters insurance will not cover any direct physical damage to an above ground pool caused by the common perils . Second , it will cover physical damage to the pool caused by your negligence . An example of this could be you leave numerous pressurized containers in your rented space , which , due to the summer heat , explode and damage the pool . So , no all perils damage , but you can get coverage for your negligence .


Input: Is Life Insurance A Tax Shelter?

Output: Properly structured and executed permanent life insurance policies accumulate cash values tax free , then distribute them to the policy owner tax free in the form of loans , or tax free to the beneficiary upon death of the insured . Thus , they can be viewed as a tax shelter in some situations , especially since there is no limit -LRB- except financial justification -RRB- to the amount that can be contributed to them . NOTE : Values above basis -LRB- face amount -RRB- of the policy can be taxed , interest on the death benefit can be taxed if taken in installments , and estate taxes apply . See your tax attorney and your life insurance agent together for a thorough review of all the implications and advantages of using life insurance as a tax shelter .


Input: What To Look For In A Home Insurance Policy?

Output: You want to make certain that your home is covered for a dollar amount that would allow you to rebuild it should you experience a complete loss . Look at loss of use clauses - this typically provides money for you and your family 's living expenses for up to a year or until your home is rebuilt after experiencing a complete loss . What coverages are provided and what exclusions are there . Are there specific coverages that you want ? Please contact a local agent , they are best equipped to assist you getting your home properly protected . There are too many things to take into consideration when looking at coverage to explain here .


Input: Where Can I Buy Long Term Care Insurance?

Output: You can buy Long Term Care Insurance through brokers or agents who advertise in the Yellow Pages or on the internet . Many Life Insurance agents also sell Long Term Care Insurance because many Life Insurance companies also offer Long Term Care policies . The agent must have special training as required by their state in order to sell Partnership Long Term Care Insurance .


Input: What Is A Single K Retirement Plan?

Output: A single K retirement plan is a one participant 401 -LRB- k -RRB- plan . It is also called uni-k , solo 401 -LRB- k -RRB- , personal -LRB- k -RRB- or individual 401 -LRB- K -RRB- . It is a special kind of retirement plan for sole practitioners such as consultants , store owners and freelance writers , but is a regular 401 -LRB- k -RRB- with the same rules as any other 401 -LRB- k -RRB- . In the single k retirement plan , the single business owner can contribute as both owner and employee .


Input: Does Progressive Have Renters Insurance?

Output: The answer to the question of whether or not Progressive offers renters insurance , depends on where you live.Check with an agent in your state.I can tell you that in California , Progressive does not offer renters or homeowners policies . Perhaps in time they will but for now renters have to go to another company .


Input: Does Private Health Insurance Cover Rhinoplasty?

Output: Insurance does not cover most elective cosmetic surgeries including rhinoplasty . You would have to pay out of pocket , but could take advantage of your insurance network discount if your surgeon is within the network . Isurance will cover the surgery if necessary because of a condition like a deviated septum or the surgery is necessary because of an accident .


Input: Does Getting A Car Insurance Quote Affect Your Credit?

Output: Generally not . While many companies now run credit checks it usually is not really going to affect your credit score a great deal . It will show up as an inquiry . Insurance companies utilize what is called an insurance credit score . This is a little different than your regular credit score . Your credit history is just a part of your total insurance score .


Input: When Will Medicare Start?

Output: For most people , Medicare Part A and Part B will start when you turn age 65 . If you do n't want to receive it then , you can opt out of it , but most people do take Part A at age 65 , even if they are still working . At age 65 you can also choose whether you want to enroll in a drug plan or Advantage plan .


Input: How Much Does Long Term Disability Insurance Cost?

Output: Disability insurance depends on a number of factors . The cost -LRB- your premium -RRB- is based on a number of factors - the most important being your medical history , your job , and your income - and the policies are very customizable . This is a very important type of coverage to have that many do n't think about . It protects one of your greatest assets - your ability to work.If you ca n't work because of an injury or illness , how do you provide income for you and your family . The answer ? Your disability insurance . When you 're buying a disability policy , the MOST important factor in the policy structure is the DEFINITION OF DISABILITY . Each policy will use 1 of the 3 definitions : 1 -RRB- True Own Occupation - this says you are considered totally disabled if , solely due to injury or sickness , you are not able to perform the material and substantial duties of your occupation , even if you are at work in another occupation . In short , this is the most favorable definition you can have . 2 -RRB- Modified Own Occupation - this says that you are considered totally disabled if , solely due to injury or sickness , you are not able to perform the material and substantial duties of your occupation . This one is commonly seen in many individual disability insurance policies . 3 -RRB- Gainful Occupation - this says if you are unable to perform the duties of your occupation or any occupation for which you are qualified for by education , training , or experience due to sickness or injury . In short , this is the least favorable definition . This one is commonly seen in group disability insurance policies through an employer and property and casualty insurers that offer disability coverage . There are many moving parts to disability insurance and is not something I would suggest trying to buy on your own - this is a type of coverage you should consult with an experienced independent disability insurance broker about . I hope the information is helpful - please feel free to contact me for help with your coverage and if you have any other questions . Thanks very much .


Input: How Much Does Long Term Disability Insurance Cost?

Output: The cost of disability insurance is dependent on gender , age , smoking status and health condition . The first step is to determine your legitimate earnings to establish your compensation . Then you have an important decision to make : pay the premium after tax for a tax free benefit of up to 60 % of your compensation or pay the premium pretax for a taxable benefit up to 80 % of your compensation , provided that you have ability to use the premium as a legitimate business deduction . Depending upon your gender , age , nonsmoking status and good health condition you should be ready to pay 5 to 8 % of your compensation .


Input: Does Insurance Cover Non Medical Home Care?

Output: Long term care insurance would provide coverage for non medical home care . Long Term Care provides a pool of money to pay for help with the needs of daily living through home health care workers who provide a variety of service from specialized professional care to help with househould chores .


Input: Can I Cancel My Auto Insurance And Change Carriers Anytime?

Output: Most likely you can cancel your existing policy . However , some insurance carriers impose midterm cancellation fees , which you may be found responsible for . Also , make sure you cancel the existing policy with the date of the replacement policy became effective on . Your prior insurance carrier will pro-rate your policy and refund you with unearned premium . If you are on a monthly billing , as a result of the pro-rate you may be billed for an additional premium . Remember , that insurance carrier may audit your exposures up to 3 years in the past .


Input: Can I Cancel My Auto Insurance And Change Carriers Anytime?

Output: If in fact you have already purchased new car insurance with another company , then yes , you cartainly can request a cancellation of your previous policy . The old policy should be cancelled effective the date that your new policy went into effect . The request to cancel will be requested in writing for record purposes . YOu can talk to your new insurance professional about that . They will more han likely be able to prepare a standard form for your signature that stipulates the exact cancellation date . This will be signed by you then forwarded to your old carrier for processing . Any refund owed to you will be sent upon the processing of that cancellation .


Input: What Does Life Insurance Exam Test For?

Output: The life insurance exam will test for drug use , nicotine , and evidence of health conditions . This is usually done through a blood test and urine test . The examiner will also usually measure and weigh you , as well as take your pulse and blood pressure . Generally , a list of health questions are asked , even if they are a repeat of the ones you filled out on your application . Exam requirements vary with your age , face amount , and the product and face amount for which you are applying .


Input: Do Businesses In Florida Have To Offer Health Insurance?

Output: The short answer is `` no '' if the company has less than 50 employees . The health insurance market has changed drastically for businesses in Florida . Each business needs to have an analysis of their specific situation done to properly have a game plan going forward . The one good thing is individual plans no longer exclude for pre-existing conditions just like group plans . This may open up options for small business owners in Florida to consider other options .


Input: How To Cash Out A Term Life Insurance?

Output: Actually , if you dont make a premium payment , you have effectively cashed out your term insurance policy . The policy will allow you to make payments though the term of the policy but if you chose to stop making payments , the company will terminate coverage as soon as the grace period passes .


Input: How To Cash Out A Term Life Insurance?

Output: To cash out a term policy , you simply cancel it , as there is usually no cash value in a term policy -LRB- unless you have ROP term -RRB- . To cancel it , you can stop making payments . After a one month grace period , the policy will lapse . Or you can call the insurance company to cancel your policy . If you are paying by automatic withdrawal from a checking account , that is the better approach , because otherwise there may be a charge from the bank .


Input: How To Cash Out A Term Life Insurance?

Output: Generally speaking , term life insurance has no cash value . Some term policies have what 's called a return of premium rider that , if held for the contract period , can return the premium outlay to the policy owner . Some policy owners sell their term life insurance policies during the conversion period to the life settlement market for cash based on their life expectancy .


Input: At What Age Is Car Insurance Cheapest?

Output: OK this is a blanket answer as this can very by company but between 30-55 on average your looking at your best rates depending on driving record of course . Once you start getting older the rates actually start to climb again since by experience reaction time starts to slow and you see a rise in incidents .


Input: At What Age Is Car Insurance Cheapest?

Output: Your rates start dropping after the age of 25 depending on your driving history and coverage 's . But the average what I call the sweet spot age for the best rates for insurance in Montana is 40 to 50 also that depend on many factors such as credit and driving history and also the area you live in .


Input: Can You Cancel A Renters Insurance Policy?

Output: A renters insurance policy can be terminated by the insured at any time . Most carriers require a signed and dated request to be delivered in order to cancel the policy . A refund for the unearned portion of the premium would be sent to the insured . If there is a change of address following the cancellation , the cancellation request should indicate the new address for the purpose of final correspondence and the refund -LRB- if applicable -RRB- .


Input: Can You Cancel A Renters Insurance Policy?

Output: An insured at his or her discretion may cancel any insurance policy at anytime . However if you are in a contract that is obligating you to maintain insurance make sure you replace the policy in question with another policy before cancelling your current policy . Talk to your local agent on how to terminate an existing policy .


Input: What Type Of Auto Insurance Coverage Do I Need?

Output: At a minimum carry the auto liability insurance required to operate your car in your state . If you can , carry enough liability insurance to protect you and your assets in the event of a collision . If your lender requires physical damage insurance , you will need to have that coverage as well . If you have significant assets consider an umbrella policy to raise the limits of liability to multiple millions in the event of a catastrophic crash .


Input: What Type Of Auto Insurance Coverage Do I Need?

Output: Most states , if not all , have laws on the books that require at lease a specified minimum amount of Liability and uninsured motorist coverage -LRB- UMC -RRB- in order to register a care for use on public roads and highways . That as I say will be the rock bottom minimum . If however , you are purchasing a new car , your finance company will also require you to carry both Comprehensive and Collision physical damage coverage . If you lease , they will further require you to carry a higher level of Liability and uninsured motorist protection . If you are a property owner of have a higher net worth , you should consider higher liability and UMC anyway . Talk about other optional coverage that may be available with your Insurance Professional .


Input: What Type Of Auto Insurance Coverage Do I Need?

Output: That 's a great question ! Your State will have some rules as to exactly what the minimum coverage that you will need to carry ; Your bank will expect some more coverage if you are getting the car financed . Your best bet is to contact a local agent , and have them walk you through exactly what you need to have , and what will fit you best . Thank you for asking !


Input: Where To Get Individual Disability Insurance?

Output: You can get individual disability insurance from many of the same websites or agencies that sell life insurance . When contacting them , ask if they can provide you with three disability insurance quotes to compare . If they can , and if they are able to explain the features of disability insurance to you , that should be a good place to start .


Input: Where To Get Individual Disability Insurance?

Output: You can purchase individual disability insurance from insurance agents and brokers . The policy itself is in under the health insurance category , but life insurance agents often sell it . There are brokers who can shop a number of disability companies for you , or agents like myself , who employ the use of brokers in providing your individual disability insurance quote .


Input: How Do Private Long-Term Care Insurance Programs Work?

Output: Generally , depending on the policy , when you are unable to perform two or three activities of daily living spelled out in your policy , you will file a claim . The policy will then begin paying the caregiver . Some policies only pay for nursing home , some will pay for any type of long term care , even at home care . Some will even pay a family member . Each policy is different , so check with a good agent who can sit down and help you make sure the policy is right for you .


Input: How Auto Insurance Premiums Are Calculated?

Output: This calculation is based upon state law . In California the rate is based upon where the car is located , how many miles it drives each year , the use of the vehicle , the year , make and model of the vehicle and the driving record of the members of the household .


Input: How Auto Insurance Premiums Are Calculated?

Output: Insurance Companies file their rates and underwriting standards with each state 's Insurance Department . The various rates are a result of loss report studies and trends , vehicle values and repair costs , driver data etc. . The actual premium that you pay is determined by a measuring of the various rates and factors as they apply to your situation . Thus your age , location , driving experience and history along with credit are factors . So too is the year make and model of your car , the number of cars you are insuring , how those cars are used and what your claims history may be . Finally any discounts for which you qualify are applied and the result is the premium .


Input: Why Life Insurance Is Superior To Other Form Of Savings?

Output: Why is life insurance a superior form of savings compared to other savings ? Well , superior is maybe not the right word to use . Life insurance offers some flexibility that other forms of savings may not have . First off , cash values are tax advantaged while growing . Access to funds can happen without tax penalty . Cash values can act as the 6 months emergency funds so many advisors reccomend . Then basically there 's the life insurance side of things which nothing else offers .


Input: Why Life Insurance Is Superior To Other Form Of Savings?

Output: Life insurance is important and unique among savings products because it protects families against financial loss from the death of a loved one with an income tax free death benefit . For many families , a cash value life insurance policy is the largest long term savings asset they own . Retirement annuities are insurance contracts that turn savings into a guaranteed income for life . Thanks to these and other life insurance industry products , families and retirees can enjoy security and peace of mind . One out of every five dollars -LRB- 20 % -RRB- of Americans long-term savings is in life insurance and annuities . The tax treatment of life insurance and retirement annuities encourages people to prepare and plan for the future and thus relieves pressure on government programs .


Input: Why Life Insurance Is Superior To Other Form Of Savings?

Output: I think it is really , really important to evaluate a product based on this : What is it supposed to do , and how well does it do it ? Rocket ships are great for getting you to other planets . Hammers are ideal for driving in nails . Annuities are perfect for drawing down a guaranteed income . And life insurance is tailor-made for providing your heirs with the exact amount of money they will need , exactly when they will need it , in the most cost-effective way . You just can not beat life insurance for this job . Having said all this , the cash value of life insurance is a great added benefit . With a good product from a solid company , it would be hard to beat the guaranteed cash rate . It would also be hard to top the tax advantages with regards to accumulating and distributing the cash . But it must be remembered that all these advantages are secondary to the main purpose of the product . So , you never want to buy the product - or manage the cash - only to shortchange your beneficiary .


Input: Why Can'T Health Insurance Be Sold Across State Lines?

Output: Under the current system , health insurance can not be sold across state lines . But would it make a big difference in healthcare costs ? Probably not that much . Tort reform , however , may substantially reduce rates as would a healthcare system based on the HSA concept with state high risk pools . Maybe some day ...


Input: What Is The Difference Between Medicare And Medigap?

Output: Medicare is a taxpayer funded , government run health insurance program designed primarily for those age 65 and older . Some will qualify at a younger age if they are disabled under Social Security guidelines . Medicare has 2 primary lines of coverage . Part A is the hospital portion , Part B is outpatient care . Medigap -LRB- Medicare supplement -RRB- is designed to pay for things approved under Part A and B but not paid by Medicare due to deductibles and coinsurance .


Input: How Much Auto Insurance To Buy?

Output: When asked how much auto insurance to purchase we are generally talking about liability . One of the things you need to look at are your assets . Are you a homeowner for example . Do you have a well paying job . These are the things lawyers are going to look at if you injury or cause property damage to another party . If you do not carry high enough limits for your insurance company to pay for a potential large loss you risk being sued for the difference . I recommoned you carry the highest liability limits you can afford to protected your assets .


Input: How Do Deferred Income Annuities Work?

Output: The basic annuity is an immediate annuity . That means within one year of receiving the deposit the insurance company will start paying a lifetime of monthly benefits for the balance of the annuitants life . A deferred annuity means that the income stream will start more than one year after the initial deposit . Most deferred annuities allow owners to make further deposits until they are ready to receive the monthly income payments or surrender the contract for cash . The interest earned on the money deposited does not incur immediate income taxation . It will normally be taxed as ordinary income when benefits start being paid .


Input: Can I Withdraw Money From My Retirement Plan?

Output: Retirement plans , weather qualified or no-qualified are personal property or assets . Each plan and it 's associated product may have penalties and surrender charges as ell as possible ordinary tax consequences for withdrawals . Qualified plans general spell out the ramifications of withdrawals in the retirement plan documents.While reviewing those documents , search for the borrowing provisions of the plan that may be a better option than withdrawing .


Input: Can I Withdraw Money From My Retirement Plan?

Output: It 's your money , so you can withdraw money from your retirement plan . But should you ? Your retirement plan should be the last resource for money needs . Withdrawals are treated as an ordinary income tax event and will trigger a 10 % penalty for early withdrawal if you 're under 59 1/2 . You could borrow , but there is an interest charge and a payback schedule for most plans .


Input: When Should I Buy Rental Car Insurance?

Output: If you own a car and have your own auto insurance policy it still may make sense to carry the coverage that a rental car company offers . Most auto insurance companies will extend the liability and physical damage coverage to a car you rent . However , they usually will not cover `` loss of use '' . Even though your insurance will normally fix the car , the rental company will bill you for the daily rental of that car until it 's repaired and put back into service . Your auto insurance wo n't usually cover this cost . Think about it this way : if the car costs $ 30/day to rent and it takes 2 weeks to fix it and put it back in service , the rental car company will expect you to pay that $ 420 that it could have gotten if they had the car to rent . Their coverage will normally waive these costs . If you do n't carry physical damage on your own car , then you also have no physical damage coverage on a rental car . So , if you do n't have your own auto policy , or you do n't have physical damage coverage on your policy , I would recommend taking the rental company 's coverage . I would also recommend it if you do n't want to run the risk of having to pay loss of use charges after an accident .


Input: How To Go About Getting Renters Insurance?

Output: Call a Local Agent . If you already have Auto Insurance or another line with a company , you will probably get a discount for `` bundling '' your coverages together . Otherwise , there are a few questions to answer about your stuff and the building and you should be able to get covered right away !


Input: Can Life Insurance Tell If You Smoke?

Output: When you take a life insurance exam , the life insurance company can tell that you smoke by your blood and urine tests . If you do not take an exam , they will not have evidence of your tobacco use , unless they order medical records and it is noted in your medical records . However , they almost always ask whether you smoke on the application . You are expected to be truthful on the application for your policy to be a valid contract .


Input: Can Life Insurance Tell If You Smoke?

Output: Life insurance is a mortality product . Smoking directly effects mortality . The application requires you to answer truthfully regarding your smoking status . The life insurance company may also require a urine analysis that can detect cotinine the byproduct of nicotine . Any attempt to miss represent material fact on an application can lead to the denial of a claim and/or be construed as fraud .


Input: Can Life Insurance Tell If You Smoke?

Output: Yes , if the life insurance company does any type of a paramed exam , they will test you for nicotine . Whether they use a cheek swab , blood draw or urine sample , this is one of the top items tested . Typically smoker rates are charged two and half to three times the premiums of a non-tobacco user as it is proven to shorten one 's life . Here is something to keep in mind . Underwriters test for cotine not nicotine . Nicotine can leave the body within a couple of days for an occasional smoker . Cotine stays in the body 's system for up to 14 days . For a heavy smoker , nicotine gum or patch user , it takes a longer period of time to cleanse the system of all bad chemicals .


Input: Can Life Insurance Tell If You Smoke?

Output: If you take a life insurance policy that requires an exam , the exam will test for nicotine in the urine , blood , and/or saliva . They will ask about smoking on the application and if medical records are ordered , they will check those to see if there is a note that the patient smokes .


Input: What Is Private Long Term Care Insurance?

Output: Private long term care insurance is coverage that you purchase yourself . It is available from a handful of carriers although the pool of companies is shrinking . In recent years , some major companies have stopped offering new plans although they continue to service existing business . A full-time financial planner or broker is your best resource for learning about the different benefits offered and how to properly shop .


Input: How Much Is Renters Insurance For A One Bedroom Apartment?

Output: Renters Insurance unlike Homeowners is not giving you coverage on the structure , rather the contents . Therefore , the amount of rooms does n't matter . Now if you are doing a calculation of personal property , it will most likely calculate a lower dollar amount than a two bedroom , because it is assumed there is stuff in each room .


Input: How To Get Health Insurance Through Obamacare?

Output: How to get health insurance through Obamacare is relatively simple . The Affordable Care Act -LRB- ACA -RRB- has established an Open Enrollment through March 31st of 2014 . During this time , you do not have to answer medical questions and you can not be turned down for medical reasons . You also may qualify for up to 100 % of your premium being paid by the new federal subsidy . Where To Get Best Health Exchange Rates As an experienced broker , our websites are the perfect resource for finding the best Health Exchange prices in your state . You can provide your zip code and view the most affordable options for single or family plans . The application process is easy and no medical questions are asked . As your broker , we are able to provide the lowest rates allowed by each state and you 'll receive expert and unbiased advice regarding the selection of plans . Our biography will detail the specific website to visit . Of course , there are never any costs or obligations .


Input: How To Get Health Insurance Through Obamacare?

Output: That is a great question ! The easiest way is to go to the Affordable Care act -LRB- Obamacare -RRB- website at WEBSITELINK website during the open enrollment period . If you need it before then , you may be able to qualify for a short term plan , but I 'd be careful , and read the fine print . Not all off marketplace policies will come with subsidies , and may cost you a lot more in the long run . Thanks for asking !


Input: Who Has The Best Rate On A Variable Annuity?

Output: In Canada , variable annuities are usually referred to as segregated funds or seg funds . In addition , there is a type of immediate annuity that could be considered a variable annuity . Determining who has the `` best rate '' is not as simple as it sounds . Seg funds are similar to mutual funds with your money invested in `` units '' that can rise or fall in value . Like any investment , you can look at past performance of the underlying fund , but that is no guarantee of future performance . Since segregated funds are issued by insurance companies , they contain minimum maturity and death guarantees . Some offer resetting or the locking in of investment gains and other valuable features . The immediate annuity with a variable component , is a payout annuity where you exchange a lump sum for an income . Part of the income you receive is dependent on the performance of fund chosen . An independent insurance broker is in a position to advise you of the different features , so you can select the plan that is right for you for accumulation or retirement income . This is a basic overview of a potentially complex subject . If you have further questions , or feel that I could be of assistance , please do not hesitate to contact me . If you would like to work with a local life insurance broker , you could start with a Google search . For example , if you search for : life insurance broker Halifax or life insurance agent Halifax , my name , along with several others , will come up . You can use the same method to find a life insurance broker in your community .


Input: Does SIPC Cover Fixed Annuities?

Output: SPIC does not cover fixed annuities . Annuities contracts are only as good as the insurance company that issued the annuity policy.There are several rating services that monitor the claims paying ability and/or financial strength of an insurance company . Due care and buyer beware are on the onus of the recommendation of the adviser .


Input: Does SIPC Cover Fixed Annuities?

Output: Securities Investor Protection Corporation is involved with traded securities . A fixed annuity is not a traded security . A fixed annuity is a contract between you and the insurance company . Your state insurance commissioner works to make sure that the insurance company keeps all of its promises .


Input: Where Can I Find Home Owners Insurance After Being Dropped For 3 Claims In 3 Years?

Output: Most states offer a plan to insure difficult risks . Talk to your agent . Even top tier companies will accept such a risk if there has been active steps taken to preclude future losses and the losses dont appear to be the result of a moral hazard . I agree with my colleagues , though , you may find the risk difficult to insure and should anticipate increased cost .