Input: Where To Shop For Home Insurance?

Output: You have many choices of sources for homeowner insurance , although markets availability varies depending on State of residence and even localities within . I suggest using an independent agency , since they typically have more options for you , in terms of insurance company possibilities to suit your particular needs . Unlike internet insurance buying , independent agents give you the opportunity to get answers to your questions and insurance buying advice . As for another option , ` captive agents ' typically have only one carrier to offer you . Ask the independent agency representative about the financial strength/size and AM Best 's rating of each carrier they recommend for you .


Input: Does Medicare Have A Copay?

Output: Not really . Once you have been in the hospital for more than 60 consecutive days there is a daily copay but most of your basic items do not have a Medicare copay . Medicare does have deductibles and coinsurance that can leave you with an unlimited amount of OOP expenses if you have a bad year .


Input: Does Medicare Have A Copay?

Output: Under Part A , which covers hospital room and board and related expenses , there is a deductible of $ 1184 per benefit period . Part B has an 80/20 coinsurance for Doctors and outpatient services and $ 148 per day coinsurance for days 21 through 100 in a skilled nursing facility . There are no copay 's under original Medicare . Unlike Medicare Advantage , which has copay 's and out of pocket maximums , Original Medicare has no out of pocket maximum . A person could spend $ 10,000 or more under original Medicare if he or she develops a serious illness . This is why it is wise to investigate either a Medicare Advantage Plan or better yet , a Medicare Supplement .


Input: Are Life Insurance Proceeds Protected From Creditors In Georgia?

Output: If life insurance proceeds in Georgia are left to a person as beneficiary , creditors can not take the money away from the beneficiary to pay the debts of the insured , -LRB- unless the beneficiary was co-signer to that debt -RRB- . If the life insurance proceeds are left to the estate , then creditors in Georgia can access those benefits to pay off the debt owed them by the deceased .


Input: Are Life Insurance Proceeds Protected From Creditors In Georgia?

Output: We should be careful to define terminology . Life insurance proceeds , meaning death benefit would always be creditor protected as life insurance bypasses the estate and is paid directly to the beneficiary . So if the deceased has creditors , they can not lay claim to life insurance proceeds . Unless that creditor is the Federal Government for Estate Tax Purposes . Life insurance is included in the estate for estate tax purposes . If the beneficiary has creditors and receives the life insurance proceeds , those proceeds would be subject to creditor claims .


Input: Does Home Insurance Cover Air Conditioners?

Output: Only way a homeowners policy would cover your A/C unit would be if it was damaged by a covered claim . Tree falls on it , home gets struck by lightning or damaged by a house fire are just a few examples of things that could be a covered claim . If it 's just old and stops working , no dice with your home policy . This is just generally speaking as insurance contracts vary by state and carrier . Give a local independent agent in your area a call and discuss your specific situation .


Input: Does Home Insurance Cover Air Conditioners?

Output: Homeowners policies cover damages sustained to the residence and personal property from named perils . Mechanical breakdown is not a named peril in very many , if any homeowners insurance policies . If the property is burned and the air conditioner is damaged , then it would be covered .


Input: Does My Baby Need Life Insurance?

Output: The two other reasons would be `` garanteeing '' their insurability and for efficient acumulation of funds . Many people purchase `` umping juvinile '' policies on their young children to lock in a low rate and to garantee that the child has life insurance , that serious health conditions can prevent a child/young adult from obtaining life insurance once such a health issue is diagnosed , purchacing a policy before the diagnosis will `` lock '' in the policy no matter what happens . Then the child reaches a prescribed age , generally 21 , the face of the policy is increased automatically without the imposition of either an additional premium charge or a medical examination . The other reason for purchasing life insurance on one 's baby would be for a college funding vehicle . The three most popular college funding vehicles are 529 -LRB- c -RRB- accounts , Coverdell education savings accounts and Equity Indexed Universal Life policies . However one must structure the EIUL policy accordingly so that it effeciently accumulates excess cash value .


Input: Does My Baby Need Life Insurance?

Output: The death of a child is uncommon . That child developing a health condition that will cause them to be rated up or ineligible for life insurance as adults , is more common . Getting Life Insurance for your baby would pay a benefit to you if your child would pass away , so that you could pay bills and funeral related expenses . As an adult , your child would have a reasonably priced policy even if they had developed a health condition along the way .


Input: Can I Cancel My Car Insurance At Anytime?

Output: Auto insurance is typically an at will product . That means that you can cancel with one carrier to sign up with another carrier at any time that you wish or you could just cancel your coverage without switching carriers . Canceling your coverage without signing with another carrier will leave you and your family exposed to financial hardships caused by accidents that you are deemed responsible for , not mention other requirements from loan providers or others with a contractual interest in your vehicle . 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: Can I Cancel My Car Insurance At Anytime?

Output: For the most part , yes you can . However , it is best to have your replacement coverage in place before cancelling the coverage you have currently . Gaps in coverage are not only risky from a driving exposure point of view , in states that require car insurance they can cost you dearly in fines imposed by DMV .


Input: Who Is The Best Disability Insurance Company?

Output: There are a lot of good companies that sell Disability Insurance . However , the best one for one person is not necessarily the best one for another . Some are better for certain occupations , such as doctors or high risk workers . Others are better for persons with certain health conditions . Some are better for group policies , while others have honed in on the private Disability Insurance market . To find the best Disability Insurance Company for your profile , you can contact a broker -LRB- such as we are -RRB- and have us go through your occupation and health information . We will then sift through all the options to find the best one for you .


Input: Who Is The Best Disability Insurance Company?

Output: There are several excellent disability companies in the U.S. Which one is right for you may depend on your gender , age , smoking status , health history and current medical condition ? It may also depend on the amount of benefit youre seeking . Using a bidding process based on your needs can help you select the right company . But for the most part based on price and contract definitions , Standard of Oregon is a high recommendation .


Input: Who Is The Best Disability Insurance Company?

Output: There are many good Disability Insurance companies and hard to pick one `` best '' across the board . You can look at the rating of the company to get an idea of how solid the company is . If you have a particular occupation or health condition that makes it more difficult for you to find affordable Disability Insurance , the best Disability Insurance company for you could be a completely different one than for your neighbor . Contact an agency or broker that offers DI quotes from a number of companies and ask them not only to find your best rate , but to steer you with a DI company that you can trust .


Input: Is Medicare PPO Or HMO?

Output: The good news is , Medicare is neither an HMO or PPO . You are free to use any doctor , hospital , lab , etc anywhere in the country . There are no networks , no artificial boundaries . Providers that accept assignment may not bill for excess charges . Pair original Medicare with Medigap plan F and you never have to worry about budgeting .


Input: How Do Interest Rates Affect Annuities?

Output: Interest Rates directly effect all Annuities . But especially Fixed Annuities . Basically , the higher rates are , the companies can offer more or better benefits on Annuity Policies . An Insurance Company is required to invest enough of your premium into treasuries to secure any guarantees they made in the contract . So the higher the treasury rates are , the higher the guarantees in annuities are .


Input: How Do Interest Rates Affect Annuities?

Output: The are three basic tax deferred annuities that use differing crediting methods . Two of these methods are related to interest rates : fixed interest rate annuities and indexed annuities . Fix interest rate annuities are tied to the company 's bond portfolio performance . With indexing , the company generally uses the interest rate earnings generated from the portfolio to purchase indice options .


Input: How Do Interest Rates Affect Annuities?

Output: The change in interest rates has a very minimal affect on annuities in terms of the rates and benefits they make available as bonds are purchased when products are made and rate/benefits on those products are based off those bond yields . However , annuities with indefinite benefits may realize declining benefits if rates on new bonds purchased later are lower than rates that prevailed when the original bonds were purchased .


Input: What Year Will Medicare Run Out?

Output: Great question ! I just listened to a lecture the other day given by an economics Professor Michael Granof at the University of Texas -LRB- Americans living rich retiring poor -RRB- who stated that without a change in funding , Medicare goes under in 2023 . Social security goes belly up about 10 years later . The Generation x folks and the tail end baby boomers will be the first generation to pay into Social Security more than they will take out . I can not emphasize enough the importance of saving early , having long term care and life insurances , and having a good financial plan . If you have questions about your retirement plan , please feel free to contact me , I 'm happy to help . Thanks for asking !


Input: What Is A Chargeable Event Gain From A Life Insurance Policy?

Output: When you withdraw money from a cash value life insurance policy you have created an event . If the amount that you have withdrawn , combined with those you have previously withdrawn from the same policy , exceeds the amount that you have paid for the policy , you have a gain and are subject to income tax on that gain . Please contact your life insurance company if you suspect that this might occur . The company reports this gain to the I.R.S. .


Input: What Is A Chargeable Event Gain From A Life Insurance Policy?

Output: Great question ! Life insurance is designed to provide tax free money to survivors , or in some cases , to provide tax free income through loans taken from the cash value of the policy . If you have a policy that lapses , and has a sizable cash value that you claim , then that money is considered a gain , and is taxable . Managing to borrow more than you 've paid in has the same effect . I 'd strongly advise that you consult with your agent , financial adviser , or tax attorney to do what you can to prevent this from happening . Thanks for asking !


Input: Does Medicare Cover Lymphedema Sleeves?

Output: In a ruling on Feb 20 , 2008 , lymphedema sleeves and lymphedema compression garments were found to meet Medicare 's definition as a medically necessary prosthetic device , and as such , are covered under Medicare . However , the ruling was not a precedent and the CMS has not changed their code in the HSPCS .


Input: What Is Allowed Amount In Health Insurance?

Output: The allowed amount is the predetermined price that the health insurance company will pay for specific procedures performed by in-network providers . Think of it as wholesale versus retail prices . In-network providers charge the insurance company the allowed -LRB- wholesale -RRB- amount . In exchange , the providers get a flow of business from plan participants . Out-of-network providers did not agree to the wholesale prices , and do not benefit from the flow of patients participating in a particular plan . They often charge a retail rate when treating out-of-network patients . The patient often owes the difference between the allowed amount , and what the provider charges .


Input: What Is Allowed Amount In Health Insurance?

Output: What is allowed amount in health insurance ? Well , more than likely it means the maximum an insurance carrier will pay for a service provided . You might hear it also as usual and customary as a similar term . Basically when you read that on a plan summary or explanation of benefits it represents the maximum the plan will pay .


Input: What Is Short Term Disability Insurance For?

Output: Short Term Disability is used to replace approx 40-70 % of your salary if disabled for a `` short '' period of time . Most short term disabilities last from 3-6 months , although the cap can be as high as two years . The coverage may kick in as soon as the disability is determined , or there may be a waiting period . If purchasing your own policy , the higher the premium you pay , the shorter the waiting period . Some of the uses for short term disability are partial income replacement in case of pregnancy , muscle strains , broken bones , pneumonia , heart attack , or chemotherapy treatments .


Input: What Is Short Term Disability Insurance For?

Output: Short term disability insurance is paycheck protection in case of a disability event . And many consumers can only afford short term disability versus long term disability coverage . Mutual of Omaha is a major carrier in short term disability insurance . Keep in mind that you may have short term disability insurance through your employers group benefit plan . You also have Social Security disability insurance , although benefits may be limited .


Input: What Dog Breeds Are Excluded On Home Insurance?

Output: There are three levels to consider . If there is a dog with a history of biting , regardless of breed , that dog is probably excluded from coverage . If there are dogs at the residence that are pit bulls , wolf mixes , Doberman Pinchers , and Chows they are probably excluded . All other dogs have limited coverage . That means that in the case of a dog bite the normal limits of the policy do not apply . Check the back of your homeowners policy to see if there is an endorsement about pets or dogs .


Input: Does Homeowners Insurance Cover Slander?

Output: Slander is normally not covered under a standard Homeowners insurance policy or Ho-3 . You can add an endorsement , or rider , to the policy for Personal Injury Coverage that would usually cover slander . Liability coverage is provided under a standard homeowners policy but is limited to bodily injury and property damage . Make sure you speak with your independent insurance agent because each policy has different coverage 's and different forms . Ideally , you would like an ISO -LRB- insurance services organization -RRB- form with the ability to add a `` Personal Injury Endorsement '' -RRB- . Additionally , some insurance companies have different tiers that may already include coverage for slander . Check your policy with your agent for full details . Hope this answer helps .


Input: Does Homeowners Insurance Cover Slander?

Output: Ordinarily , no , however , you should check with your Insurance Professional to see if the policy you have can be endorsed to include `` Personal Injury '' protection . The General Liability coverage in a homeowners ' policy protects you in the event you do something that causes damage to someone else 's property or physical injury . Slander is covered under the personal injury endorsement . In these days of social media , this is a great coverage to have .


Input: Does Home Insurance Cover Leaking Pipes?

Output: Ryan is correct - if a pipe has been leaking for the past few months and failed to go unnoticed , your homeowners policy would n't extend coverage . Furthermore , most policies do n't include mold coverage and , in fact , are excluded from coverage under most policies . As such , you should take care to notice and resolve any water damage immediately , and utilizing Servpro or ServiceMaster to mitigate water damaged areas as quick as possible .


Input: Does Home Insurance Cover Leaking Pipes?

Output: Homeowners insurance is designed to cover sudden and accidental losses . If you have a pipe that is leaking and you are just now noticing the damage your policy should provide coverage for the resulting water damage . Water damage is very serious and mold can start to grow within 24 hours so make sure you address the situation as soon as possible .


Input: Is Life Insurance Exempt From Creditors In Connecticut?

Output: Life insurance is exempt from creditor in Connecticut if the beneficiary on the policy is not the estate . If the insured person passes away with debt , and the proceeds of his/her policy goes to the estate -LRB- either because the policy was set up that way , or because the beneficiaries are no longer living -RRB- , then the life insurance money will go through probate , where creditors can go after it . If the beneficiary is a person , they can not take it away from that person .


Input: Is Life Insurance Exempt From Creditors In Connecticut?

Output: Provided that you have named a primarybeneficiary in your Life policy , then yes , the proceeds from that policy , upon your death , would pass directly to your beneficiary without any trouble from creditors . In addition to naming a beneficiary , it is also a very good idea to name a contingient beneficiary who would receive the proceeds if the primary benficiary can not , for some reason , receive them .


Input: If I Have Health Insurance Does Obamacare Affect Me?

Output: Obamacare will impact almost everyone , including those who currently have health insurance . If your current health insurance does not meet certain standards -LRB- deductible , out of pocket , EHB -RRB- your policy will need to be upgraded to the new plan design . Most current high deductible plans will have to be replaced with the new plan design . If your policy does not have all the essential health benefits -LRB- EHB -RRB- as dictated by Obamacare , your plan will have to be `` improved '' to meet the new guidelines . All of these changes mean higher premiums and less affordable coverage .


Input: What Information Do I Need To Get Renters Insurance?

Output: You will need your personal information and information about the premise that you are renting . You will need to know when the premise was built , what if any type security system is in place , how many units are in the building , the distance to the nearest responding fire depart , the distance to the closest fire hydrant as a start . Contact a local agent and they will help you get a quote for coverage .


Input: What Information Do I Need To Get Renters Insurance?

Output: The application for a renters policy is almost identical to one for a homeowners policy . You must identify the property and how many units are on the property . You must provide some basic information about the building . You would need to identify any pet , or equipment that poses a liability problem . You would need to divulge any business activity being conducted . You need to divulge your own claims history . You need to identify the cost of replacing your personal property .


Input: How Much Is The Tax Penalty For No Health Insurance?

Output: Beginning in 2014 , under the new affordable care act , everyone will have to have health insurance or pay a penalty -LRB- also known as an `` individual shared responsibility payment '' -RRB- . If you choose to pay the penalty instead of securing coverage , you will still be responsible for 100 % of your medical care . The penalty is calculated in one of two ways -LRB- you pay whichever is the higher amount -RRB- . In 2014 , the penalties will be calculated as : 1 -RRB- 1 % of your yearly household income featuring a maximum penalty as the national average yearly premium for a bronze plan . 2 -RRB- $ 95 per person for the year -LRB- If under age 18 , then $ 47.50 -RRB- featuring a maximum penalty per family of $ 285 under this method . The penalty calculations will change each year . In 2015 , method one increases to 2 % of your yearly household income and method two increases to $ 325 per person . In 2016 , it will increase again to 2.5 % for method one and $ 695 per person for method two . The penalty methods will be adjusted for inflation in later years .


Input: Will Life Insurance Cover An Overdose?

Output: Life insurance will cover an overdose if the overdose was not due to suicide during the first two years . If there was an undisclosed drug , alcohol , or mental health problem when the applicant filled out the life insurance application , and if death occurred during the first two years of the policy , the death benefit could be contested . If everything on the application was forthcoming , there should not be a problem .


Input: Will Life Insurance Cover An Overdose?

Output: The first two years of a life insurance policy , which begins on the date of issue is called the contestibility period . If the overdose occurred during that time , it may be invested as a suicide . If suicide was confirmed not benefits would be paid . If it occurred after the contestability period and no criminal activity was connected to the death , then the claim would more than likely be paid .


Input: Do Wills Supercede Life Insurance Beneficiaries?

Output: To expand a bit ... Life insurance proceeds are among a class of assets that `` pass by contract '' at death ; in this case , the contract is the insurance policy with its beneficiary designation . -LRB- Other assets that pass by contract include IRAs / Qualified Retirement Plans , annuities , jointly-owned bank or investment accounts , etc. -RRB- Assets that do n't pass to a beneficiary by operation of a contract are subject to probate , which is where a will comes in . It is possible to have the proceeds of a life insurance policy be distributed according to the terms of a will by naming the insured 's estate as the policy beneficiary -LRB- e.g. Beneficiary : Estate of the Insured -RRB- . However , doing so is generally avoided because of the disadvantages inherent in the probate process : During probate , a will is subject to being challenged by anyone with standing -LRB- generally , anyone who can prove a relationship to the deceased -RRB- . A beneficiary designation is n't subject to those types of challenges . Assets of the probate estate are subject to the claims of creditors of the estate ; life insurance proceeds paid to the insured 's estate may get depleted to repay debts before the intended heirs receive any benefit . The probate process is a public court proceeding , andcan be lengthy . A life insurance death benefit claim involves only the beneficiary and the insurance company , and claims are generally paid very quickly - often within two weeks .


Input: Do Wills Supercede Life Insurance Beneficiaries?

Output: In almost no cases does a will supercede the contractual designation of the beneficiary of a life insurance policy . However , you often hear about people updating their wills , while it is not so common to think about updating their life insurance policies . Do n't accidentally leave your policy to an ex-husband rather than a current one , to your parents rather than your own children , etc , by forgetting to change the beneficiaries on your life insurance policy . Your will can not undo the mess that would be created by leaving a big part of your estate to the wrong person .


Input: Do Wills Supercede Life Insurance Beneficiaries?

Output: There may be specific state exceptions , but in general terms the beneficiaries of a life insurance policy named by the policy owner receive the death benefit proceeds.Sometimes it is difficult for a person with the power of attorney to act on behalf of the policy owner to effect a change in beneficiaries .


Input: How Much Can 2 People Save On Auto Insurance If The Get Married And Combine Policies?

Output: It really depends on where you live , what you drive , your driving record and the types of auto 's you have to insure . If you have full coverage on all auto 's , it will be more expensive usually than just liability only on both cars . I would love to help you with that


Input: How Much Can 2 People Save On Auto Insurance If The Get Married And Combine Policies?

Output: It all depends , but you can save a ton by including everything together . It 's usually based on a percentage of what you pay . So the more you pay for insurance the greater the discount . I would shop both of your current companies for the best price and service . I hope this helps !


Input: How Much Can 2 People Save On Auto Insurance If The Get Married And Combine Policies?

Output: Hi Justin , Great question . For many companies the discount for bundling can be substantial . We are an independent company writing through several carriers . Many of them favour the responsibility and maturity that comes with being a family . Adding the factor of having 2 or more vehicles `` multi-car '' discount , or even going from renting to owning a home can make a big difference in premium rates . My congratulations to both of you . Let me know If you are in need of any other assistance . We are in Michigan ! Gene Ivanoff


Input: How Much Can 2 People Save On Auto Insurance If The Get Married And Combine Policies?

Output: Great question ! Many insurance companies offer multiple car discounts and I have seen substantial savings for couples who combine their auto policies . A good agent will be able to place you with the right company that will provide the best discount for your combined policy . That said , there is no reason a couple needs to wait to get married to get an auto policy together . I have written policies for stable couples who have an established relationship without yet being married . Please let me know if I can be of any assistance ! Carl Houde


Input: How Much Can 2 People Save On Auto Insurance If The Get Married And Combine Policies?

Output: That is a great question ! The answer really depends upon your insurance companies , and their discount rates . Shop both yours and your spouses , and ask . Also , if there are multiple policies already with one carrier , it might make for a deeper discount with them . Since I do n't know who your policies are with , I 'm sorry but I can not give you a dollar or percentage amount specifically . Best answer , call them and see ! Congratulations , I pray many years of happiness and blessings for you !!! Thanks for asking !


Input: How Much Can 2 People Save On Auto Insurance If The Get Married And Combine Policies?

Output: It is always best to talk to your Insurance Professional about the terms and conditions of your policy . Generally speaking , two single individuals insuring their own cars may pay more than two married individuals insuring their two cars together . There are a couple of factors that may cause this . First , the rate structure that a company has for sigle folks as opposed to married folks . The second is a multi car discount aht can further drive down the cost for the married folks . Always be sure to ask about any available discounts when making your decisions on your car insurance .


Input: Who Has To Offer Health Insurance?

Output: As of today no one has to offer health insurance ! That will change on January 1 , 2015 when employers with 100 or more employees will have to offer health insurance to their employees or pay a penalty -LRB- tax -RRB- . The Affordable Care Act -LRB- ACA -RRB- requires employers to offer health insurance to employees and dependents that are children but does not require employers to offer health insurance to spouses of employees . On January 1 , 2016 employers with 50-99 employers will be required to offer health insurance .


Input: Will I Automatically Be Enrolled In Medicare When I 65?

Output: If you OR YOUR SPOUSE have enough work history with Social Security wages you can qualify for Medicare Part A and Part B. Likewise , if you are divorced and you were married for at least 10 years and your spouse is eligible for Social Security you may be eligible for Medicare . If you are widowed , and you were married to your spouse at least 9 months before your spouse died and you are single , you may be eligible for Medicare .


Input: Will I Automatically Be Enrolled In Medicare When I 65?

Output: If you have met the work requirements then yes , you are automatically enrolled in most cases . If you do not receive your Medicare card before turning 65 then make sure you call your Social Security office or Medicare . Once you turn 65 you will have to pick up a prescription drug plan along with your Medicare Parts A & B. Do not fail to enroll in a prescription drug plan when you are first eligible and do not opt out of Medicare Part B . If you do , there are penalties imposed by Medicare .


Input: Will I Automatically Be Enrolled In Medicare When I 65?

Output: You will be automatically enrolled in Medicare Part A and Part B if you are currently receiving Social Security benefits . If you are not receiving Social Security benefits you will have to request your Medicare benefits . You can go online or go by your local Social Security office to enroll . If you are going to continue to work and get your health insurance from your employer you may not need to enroll in Medicare .


Input: What do i do if the person who hit me doesnt have coverage?

Output: If the person does not have insurance then your option is to report the accident with your company -LRB- IF -RRB- you have full coverage for the damages . As far as medical in NYS PIP coverage -LRB- No Fault -RRB- would be pay for the injuries to you and your passengers no matter who 's at fault up to the limit on the policy . I can not speak for any other state or your policy without looking at it . Depending on the state , UMI can be three separate coverage . -LRB- UM , UIM & UMPD -RRB- . As mentioned previously uninsured/under-insured would kick for medical bills , pain and suffering and lost wages . If you have uninsured motorist property damage -LRB- UMPD -RRB- . You can file a claim under that coverage with you company for vehicle repair . Thank you .


Input: What do i do if the person who hit me doesnt have coverage?

Output: Keeping in mind the fact that insurance only provides coverage , it does not limit liability , if the other guy is at fault then he is liable for the damage to your car . That having been said , unless you are willing to invest the time and money to bring him to court , it would be quicker for you to file a claim with your insurance company . If they pay to repair your car , it wil cost you your deductible , and you apparently do not have rental coverage , but they should n't raise your rates because you did not cause the loss . Beyond that follow the advice of your attorney regarding any other options toward this guy .


Input: What do i do if the person who hit me doesnt have coverage?

Output: That is a great question ! I am sorry to hear about your accident , and your injury , I pray for your speedy recovery . I have to say that it is really probably best for you to file the claim . Unless you have enough money to pay for the repairs and a rental -LRB- or buy a new car -RRB- , it is best to let the insurance company pay , and then figure out how to cover the deductible , and find rides to work until the car 's fixed . They will pursue the other person to recoup their loss , and save you the hassle of trying to do that . You 've paid for the insurance , you might as well take advantage of it . I was in a similar position , and my rates only went up slightly , as it was n't my fault either . I hope the same for you . Good luck , and thanks for asking !


Input: What do i do if the person who hit me doesnt have coverage?

Output: An optional coverage on an auto policy is uninsured and underinsured motorist coverage . If you can identify the driver , these coverages will normally be available . The quickest way to handle the claim is to get an accident report from the authorities and notify your insurance company of your loss . They will repair your car under the collision coverage and subrogate against the other driver . If they are unsuccessful in attempts to collect from the other driver then the uninsured or underinsured coverage will come into play .


Input: What do i do if the person who hit me doesnt have coverage?

Output: I doubt if you have a choice here but to file a claim on your insurance . because the alternatives are not so good : 1 . either file suit against the other driver -LRB- probably wo n't help because if he did n't have money to buy insurance , he probably does n't own any assets either -RRB- ... . or option 2 . eat the claim and expenses . -LRB- probably wo n't work for you either because you were injured and had property damage -RRB- . this option would only be reasonable if the dollar amounts of the claim are low enough . since you obtained a lawyer , I doubt this is the case here . as far as your insurance going up , a not at fault accident only raises rates slightly -LRB- if they go up drastically , I would shop around for another company -RRB- .


Input: When Do You Plan To Start Saving For Retirement?

Output: You should Start Saving for Retirement the moment you have a paying job . The discipline of saving for your golden years should be a financial foundation discipline you should never break . How you save today will determine your life style tomorrow . You will be living much longer than are predecessors . Most diet conscience , exercising baby boomer women will experience an average life span into their 90s . What will the millennial generation live to ?


Input: What Is The Average Premium For Health Insurance?

Output: The average premium , before ACA , was based on your height , weight , are you a smoker , and other `` lifestyle questions '' such as do you skydive , race motorcycles , that could drive up the costs of your insurance policy . Now that ObamaCare has demonstrated we had the best policies and procedures , with te exception of `` pre-existing exclusions '' , I will not be surprised that some significant changes are made to ObamaCare and the principles stated above will still control . We can not have another `` social security style program '' because the young is not going to want to pay for my insurance coverage and I can understand that .


Input: What Are The Different Types Of Homeowners Insurance?

Output: Although it is difficult to find a company that will write many of these forms there are a variety of Homeowners policies . Generally , the difference is in the perils that the policy insures . The most rudimentary policy covers fire , wind and not much else . The most comprehensive cover all-risks except those excluded in the policy . This is much broader coverage and is the norm .


Input: How Much Disability Insurance Do I Need?

Output: Disability insurance is fundamentally paycheck protection . Most American workers have 90 days of case reserves on hand . The average disability period is 31 months . Protecting income is with long term disability insurance is only second to long term life insurance . If you can legally deduct the premium as a business expense you could insure up to 80 % of your annual compensation . But keep in mind that benefits would be taxable as ordinary income .


Input: What Medical Questions Are Asked For Life Insurance?

Output: The medical questions that are asked for life insurance are about the same as if you were filling out the medical form to see a new doctor . They ask whether you have any health conditions surrounding the heart , kidney , liver , reproductive system , stomach , etc. . Whether you have depression , dementia , neurological disorders , congenital conditions , or anything that does n't fit inside a tidy category . In addition , the life insurance application asks about medications , whether you have had any hospitalizations in the past years , if you are awaiting test results or upcoming surgeries in the near future , or whether your parents passed from certain disease at a young age . It might seem like a lot , but once you are approved , you know that your life insurance policy will stand up . If you are concerned about whether your particular health can be covered , just call a good impaired risk agent . There is no need to go through the entire process when you may be able to get the answer on the phone in 5 minutes .


Input: How Much Does Adt Save On Homeowners Insurance?

Output: It would be best that you check with your Insurance Professional about the specific discounts available on your policy . In general , it appears that a monitored alarm system will typically qualify you for a discount in the neighborhood of about 10 % on your Homeowners ' Insurance policy . Discounts may vary by company and state of course .


Input: When Does It Make Sense To Switch Retirement Investment Contributions From 401(k) To Roth IRA?

Output: There are three important considerations to make . Some employers match contributions to a 401 -LRB- k -RRB- plan which would greatly increase the benefit of contributions to a company sponsored 401 -LRB- k. -RRB- Nothing beats free money . The Roth IRA is not available to everyone . According to the Internal Revenue Service in 2014 , anyone contributing to a Roth IRA is phased out when their income exceeds $ 60,000-70 ,000 and they are single or the head of the household . The same rule applies if they are married and filing jointly if their combined incomes exceed $ 181,000-191 ,000 . If they are married and filing jointly they are phased out if their income is $ 0-10 ,000 . The point is , not everyone can contribute to a Roth IRA . When money will be taxed becomes the last major consideration . Because contributions are made with money that has already been taxed it is wise to make sure that it will be withdrawn when the marginal tax rate will be higher . This can not be determined with complete accuracy because tax policy changes from time to time , however , many working people are in a very low marginal tax bracket . These tax payers often are taking deductions for children , mortgage and a variety of other reasons . More mature tax payers dont always have those deductions available . Qualified distributions from a Roth IRA are not includable in gross income . Even the earnings are tax-free . In a traditional IRA they are tax-deferred . A qualified distribution can be made after the plan has been in effect five years beginning with the first taxable year for which the individual made a contribution to a Roth IRA and the distribution meets the following requirements : 1 . It is made on or after the date on which the individual attains the age of 59.5 . 2 . It is made to a beneficiary -LRB- or to the estate of the individual -RRB- or after the death of the individual 3 . It is attributable to the individuals being disabled -LRB- see IRC Section 72 -LRB- m -RRB- -LRB- 7 -RRB- 4 . It is a qualified first-time homebuyer distribution -LRB- subject to IRC rules . -RRB- It would appear that younger tax payers in low tax brackets should consider putting money into a Roth IRA . Because retirement seems to be a distant dream many young people are reluctant to start a Roth IRA , however , there is great wisdom in doing so . These younger tax payers are also more likely to have incomes that are below the limits mentioned previously . A distribution of a regular IRA is subject to taxation as ordinary income and may be subject to penalty tax if the distribution doesnt meet specified criteria . A distribution from a Roth IRA is considered a return of premium and not subject to income tax . Income taxation only becomes an issue if the amount returned exceeds that which was deposited . If specified criteria are met , even the growth or interest in the Roth IRA is also free of income tax . Distributions from most retirement plans are taxed as ordinary income . It is very helpful to have a source of tax free distributions . This is the role that the Roth IRA can play . A Roth IRA can accept rollovers from other qualified plans . In these events immediate income tax must be paid on the amount being transferred to the Roth IRA . The money is treated as ordinary income at the time of the rollover . These provisions may provide significant opportunities for retirement income planning . Most people start to consider the Roth IRA when they reach age 45 . They realize then that they will want the tax free benefit of the distribution . While it is never too late to start it would be to the interest of most tax payers to start earlier .


Input: Where To Get Homeowners Insurance Quotes?

Output: In order to secure an appropriate homeowners policy find an insurance agent that you trust and work with that person . If you dont have an agent , get recommendations from friends , colleagues or neighbors . A good agent will listen to you , provide solid financial advice and communicate clearly with you and with the insurance company . This agent will help you select appropriate limits so that when a loss occurs you will be satisfied with the settlement .


Input: How Long Can My Child Be On My Auto Insurance?

Output: As long as your child is shown as a resident of your household they typically can remain under your auto insurance policy . To the best of my knowledge and experience there is no age limit for this provision under most carriers . Contact your local agent to discuss your carriers specific standards regarding the child remaining on your policy .


Input: Can I Buy Short Term Health Insurance?

Output: You can buy short term health insurance from many of the top-rated companies , such as UnitedHealthcare and Blue Cross -LRB- in most areas -RRB- . Usually , the applicants are extremely short , and you can apply online in about 20 minutes from a respected website owned by an experienced broker . We typically can quickly shop and compare dozens of plans quite quickly so you are always receiving the lowest prices . Policies are often approved immediately or within 24 hours .


Input: How Long Should I Have Term Life Insurance?

Output: You should have term life insurance for as long as your need the financial benefit it provides . If you have a 30 year mortgage and would like your life insurance to pay for your home so that your spouse can stay in it if you should pass away , 30 year term life insurance would be your best option . If you have a 5 year old daughter and want your life insurance to provide for her until she gets through college , 20 year term life insurance would be a good choice .


Input: When Are Medicare Enrollment Periods?

Output: When you first qualify for Medicare you have an initial enrollment period of three months before , the month of and three months after you are are eligible for Medicare . If you are in a Medicare Advantage Plan or a Part D prescription drug plan you may change plans every year during the Open Enrollment period from October 15th thru December 7th . There are also special election periods , such as leaving an employer plan , moving out of a service area , or other special situations allowed by Medicare .


Input: Does Insurance Cover Allergy Problems?

Output: This is a great question . Yes normally major medical insurance will cover check ups for allergy issues . You may want to double check with your insurance company to be completely sure or take a look in your summary of benefits booklet . I hope this helps . Have a great day !


Input: Is Home Insurance Same As Hazard Insurance?

Output: Mortgage companies and banks sometimes refer to Homeowners ' Insurance as `` Hazard '' insurance . Homeowners ' Insurance provides coverage in the event there is a loss caused by a `` hazard '' and thus the reference . Homeowners ' policies can covere a wide range of these hazards or perils , or can specifically limit the coverage in some cases .


Input: Does Renters Insurance Cover Death?

Output: Life insurance covers death . A renters policy has a liability section which would provide protection if someone sued you for personal injury that resulted in death . That protection wouldnt apply to a resident of your unit , but would apply to someone that you invited on the premises .


Input: How Does Life Insurance Affect SSI?

Output: There are two different Social Security disability programs , and several different types of life insurance . Social Security Disability Insurance pays benefits to people who worked and paid into the system . Having life insurance does not impact your ability to qualify for this program . Supplemental Security Income is a needs based program . There are complex income and asset limitations . In general anyone with assets exceeding $ 2,000 is not qualified to receive benefits under SSI . Cash value life insurance policies owned by the individual may be considered assets , and could disqualify the person until sold . Term life policies have no cash value and would not impact eligibility .


Input: How To Save Money On Home And Auto Insurance?

Output: There are two times when money becomes the issue in insurance . The first is when the policy is issued and the second is when a claim is paid . The best way to look at this is to plan backwards . If you have been in an accident and you are at fault what do you want your insurance company to do ? It is better to use the worst case scenario . Most people want their company to satisfy all the lawsuits and repair their automobile . That establishes the amount of coverage and ultimately the price . Most people make the mistake of starting at the other end and purchase minimum coverage at the cheapest price with the least personal advice . They can be very dissatisfied with their bargain insurance when the lawsuits start .


Input: How To Save Money On Home And Auto Insurance?

Output: Two ways : 1 -RRB- shop for the company that is financially sound and offers policies that meet your needs and 2 -RRB- combine or bundle the coverages with the same insurance company . Both are important because not only do you want to have the peace of mind that a solid and well respected company can give you , but you want it at a price you can afford . Companies that offer multi policy bundled discounts do that .


Input: Who Can I Put On My Health Insurance?

Output: It really depends on the State you live in and the Company you are dealing with . In Florida , you can put your children , spouses and significant others on a Florida Blue plan . But ... if you go through the Government Subsidy , that 's a whole different story . Depending on the level of subsidy , the children may have to go on Florida Kid Care and significant others would have to go on a different policy .


Input: How To Avoid Auto Insurance Claims?

Output: Let me add to this by pointing out something that may have escaped your attention . Buy insurance for the big events . Keep your deductibles as high as you comfortably can . Do not skimp on e Liability and Uninsured/Uninsured Motorist coverage . Those are exceedingly important . It cost a great deal more to repair people and their lives than fixing cars . If you have higher incident , keep in mind the deductible you have and perhaps you take care of the immediate issue your self . Perhaps you may even have an older vehicle for which it does not make economic sense to carry Comprehensive and Collision , . A good way to know is to look at the online appraisals you can do your self at www.edmunds.com If you are carrying a coverage that has very limited ability to useful , you might want to forego that coverage .


Input: How To Avoid Auto Insurance Claims?

Output: This isa broad question that I 'm sure will generate many different answers , but here is mine and I hope it helpsanswer your question . As you know , many drivers are distracted by their cell phone . Texting , internet applications , and email -LRB- unfortunately -RRB- arejust a few things that many drivers do while driving . Until we all are driving autonomous vehicles , this will always be an issue of concern . These distracted drivers are the onesyou need to look out for and try tostay as far away as possible . The cell phonedistractions are the causes ofmany collision claims . With regard to `` other than collision '' claims , such as avoiding hail damage etc. , just be aware of the daily weather conditions and the potential for a hail storm in your area . If you can get your vehicle to an underground garage such as a mall parking lot , or back to your home with a garage you will be able to avoid a costly `` other than collision '' claim.There is a company that is selling hail protector car covers that inflate remotely around your car like an airbag . That would be another option if you are unable to leave work or return to your home where you may have shelter for your automobile . I suggest googling `` hail car protector . `` In a nutshell , just be careful and practice defensive driving . Keep your eyes open and constantly scan your surroundings and please do n't use your cell phone while driving . I hope this answered your question and let me know if I can further assit you in your personal insurance needs .


Input: Who Can Change The Beneficiary On A Life Insurance Policy?

Output: Only the policyowner can change the beneficiary on a life insurance policy . You can call your policy 's agent or the carrier directly to find out the current beneficiary structure on the policy . If the policyowner wants to change the beneficiary , they only need to fill out a simple change of beneficiary form and submit it to the carrier - this can only be done while the insured is living , once they have passed away , no changes are allowed and the proceeds will be paid out as cited in the policy . You want to make sure you do n't create any tax implications to the proceeds when you make those changes -LRB- e.g. violating the `` goodman triangle '' -RRB- - you should discuss changes with your policy 's agent before making any changes to ensure everything is in good order .


Input: Who Can Change The Beneficiary On A Life Insurance Policy?

Output: The owner of a life insurance policy can change the beneficiary . They have the control and ownership over the policy . The beneficiary does not . Thus is the beneficiary dies first , the owner can substitute a different beneficiary . A court should not be able to order this . However , in matters such as divorce , courts have been known to intervene , especially to protect children . Thank you . GARY LANE .


Input: Who Can Change The Beneficiary On A Life Insurance Policy?

Output: Who can change the beneficiary on a life insurance policy . In most cases the owner of the policy is is only one who can change the beneficiary on a policy . In Canada , if the is an irrevocable beneficiary , then no change can be made without their permission . Other restrictions might apply if the policy has been assigned for collateral . 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: Who Can Change The Beneficiary On A Life Insurance Policy?

Output: Only the owner can change the beneficiary on a life insurance policy . Even if someone is paying the policy premium , but does not own the life insurance policy , the owner could change the beneficiary to someone other than the payer , possibly without the payer 's knowledge . Setting up policy ownership can be an important part of buying life insurance , and best done with professional advice .


Input: What Does It Mean When A Life Insurance Policy Lapses?

Output: When a life insurance policy lapses , it means that the policy is no longer in effect . If death occurred while having a lapsed policy , the life insurance policy would not pay out . You also lose the right to convert a Term policy to Permanent after it lapses . For Term life insurance , if you get behind in payments , you have one month to catch up to keep your policy in effect . If the policy does lapse , you may be able to reinstate it by filling out paperwork and catching up the premium . However , your health can not have had any substantial change to get that policy back . If you have had a decline in health , you may need to apply for new coverage .


Input: Why Get Medicare Supplemental Insurance?

Output: Medicare Supplemental Insurance helps pay for the things that Medicare Part A and B do not ocver , such as co-pays and prescription drugs . It allows you to choose doctors outside a specific network . It can cover you throughout the US and some plans even provide coverage while traveling overseas .


Input: Can I Get Life Insurance Without A Job?

Output: That is a great question ! There are companies that do n't ask what your employment status is , and that wo n't blink an eye , as long as you are making on time premium payments . Be aware that insurance is like your car , miss a couple of payments , and * poof * your car is gone . The money that you sink into the policy does too . Thanks for asking !


Input: Can I Get Life Insurance Without A Job?

Output: Most people can get a small life insurance policy without a job , especially policies that do not require medical underwriting . If you are a student , there is some consideration of your future income , and if you are in between jobs , the company will look at that . Net worth does enter into the equation , as well . And people on Disability can get life insurance with some companies , depending on their health . So it is not a black and white answer , but usually people without a job can get at least a small policy , as long as they have made some income in the past , or if their spouse is employed .


Input: Who Does Medicare Apply To?

Output: Medicare applies to persons US citizens or legal residents who are age 65 and older , or who qualify for Medicare benefits in another way . Other ways to qualify for Medicare , besides age , are being on Social Security Disability for at least two years , having end stage renal disease , or having ALS .


Input: Does Home Owners Insurance Cover Lost Ring?

Output: This would be known as mysterious disappearance . Most home owners policies will provide a limited amount of coverage less a deductible for personal property . You can also schedule items of greater value to provide higher limits of coverage . Please read your policy completely to know what coverage is provided and what the exclusion there are or call your local agent to have them explain the coverage offered and exclusion within the policy .


Input: Does Home Owners Insurance Cover Lost Ring?

Output: Jewelry that is lost is considered mysterious disappearance and would not be covered under a standard homeowners insurance policy . You should ask you local independent agent for a PAF or Personal Articles Floater that would cover the ring for this type of peril . Some insurance companies will add it on as a rider to the homeowners policy rather than issuing a separate policy .


Input: Does Home Owners Insurance Cover Lost Ring?

Output: Any time it comes to jewelry your homeowners policy can be very limited . Even if you purchased increased limits this may still not be enough and your deductible applies . The other factor to consider is this type of claim can go against you and increase your homeowners insurance rates . I highlyrecommendyou purchase a personal articles floater for jewelry . A PAF was give you the proper coverage jewelry and in most cases a zero deductible . Also the big benefit is there is no negative effect on yourhomeownersinsurance if you file a claim .


Input: Can Annuities Be Placed In An IRA?

Output: YES , annuities can be placed into an IRA . Consider this , you have a cup which represents the IRA , meaning anything in the cup has to follow the IRA rules as laid out per the IRS . You can put mutual funds in this cup , making them an IRA , you can put stocks or bonds into that cup making those funds an IRA . And you can put an annuity into that cup , making it an IRA . Remember , IRA rules trump some of the rules which the products bring . For example , an annuity by itself may allow you to contribute virtually an unlimited amount into it . But if this annuity is an IRA , then you are held to the max contributions which the IRA rules state , $ 5,500 if under age 50 or $ 6,500 if you are over age 50 . Seek the advise of your broker/adviser to determine if putting an annuity into an IRA is right for you .


Input: Can You Rent A Car Without Insurance?

Output: You may be able to . This is going to depend on the rental car agency that you are renting your vehicle from . Most rental car agencies are going to require that anyone renting a vehicle either have their own insurance coverage or purchase coverage through an affiliate company that provides coverage to patrons renting vehicles .


Input: How Much Is Medicare Per Month?

Output: The regular Medicare Part B premium in 2013 is $ 105 per month and that is what most Medicare beneficiaries will pay . Wealthy seniors -LRB- as defined by Congress -RRB- will pay a surcharge -LRB- higher premium -RRB- . If you are single and your income exceeds $ 85,000 -LRB- $ 170,000 for married filing jointly -RRB- you Part B premium in 2013 will range from $ 147 to $ 386 per month .


Input: Will Home Insurance Pay For A New Roof?

Output: Most homeowners insurance policies will pay for damages to your roof as long as it is caused by a covered peril ; however , some companies will only give you ACV -LRB- actual cash value -RRB- which is a depreciated amount rather than RC -LRB- replacement cost -RRB- . Contact your insurance agent so they can go over your policy with you .


Input: Will Home Insurance Pay For A New Roof?

Output: Your homeowner 's insurance will pay for a new roof if the claim you submit is covered under the policy . For example , fire , heavy wind , tornado , and other weather-related claims are typically covered . However , the normal wear and tear of a roof is not a situation where you can submit for a claim .


Input: How Much Auto Insurance Do I Need In New York?

Output: The state of New York requires that you carry liability coverage of at least $ 25,000 per incident with a $ 50,000 maximum and $ 10,000 in property damage . If you have a loan on the care you are insuring , you will also need to carry comprehensive -LRB- collision -RRB- coverage as per the terms of your loan . This requirement comes from the bank that issues the loan and has nothing to do with the state of New York .


Input: What Is The Medicare D Donut Hole?

Output: The Medicare Donut hole describes the phase in your medications where you have depleted the $ 2880 which is the basic benefit that is covered by your Part D plan . Medicare is scheduled to phase out the donut hole starting in 2014 which will be good news to the individuals that have high prescription drug costs . I hope you are aware of the savings available to you by having your doctor give you a 90 day prescription and then you using the mail order capabilities in your Part D plan . In some companies , like Humana , this savings can be significant


Input: How Much Is Life Insurance?

Output: Life insurance costs can be extremely different from one person to another . The biggest impact is the age you are being insured TO . For that reason , If you are age 40 and buying 30 year Term life insurance , your premium could be higher than a 50 year old person of the same health who is buying a 10 year Term policy . Of course , your health , tobacco usage , gender , and other factors enter into what premium you will pay , as well . You can review quotes for someone of your age and other factors by visiting a website with instant , free life insurance quotes .


Input: How Much Is Life Insurance?

Output: Video Transcript : Today 's question is , `` How much is life insurance ? '' Well it depends on if you 're buying term insurance or you 're buying permanent insurance . It depends on your gender . It depends on your age , your smoking status . It also depends on your medical history as well as the exam results when you apply for insurance . Remember , keep in mind that also if you have any vocational hazards that could be an issue as well and part of the factor that comes in with pricing your life insurance premium , as well as you may have recreational issues like rock climbing or maybe scuba diving . Those also will come in and incorporate into a price tag to figure out how much we 're going to have to spend on life insurance to cover the death benefit amount that you 're looking for .


Input: Is A Pension Plan A 401K?

Output: A traditional pension plan of the past was generally a defined benefit plan that distributed a fixed payment until the death of the pensioner . A 401 -LRB- k -RRB- is a defined contribution plan under ERISA , the Employee Retirement Income Security Act of 1974 , with distributions based on the performance of the portfolio . In 2013tThe 401 -LRB- k -RRB- plan contributions can be as high as $ 17,500 .


Input: Does Life Insurance Go To Pay Debts?

Output: When a beneficiary is paid under a life insurance policy , the proceeds paid under that policy belong to that beneficiary . The beneficiary is then free to use that money as they see fit . It can pay debts , buy a house , pay for college loans , or their own retirement . It is also tax free under current laws . Thank you . GARY LANE


Input: Does Life Insurance Go To Pay Debts?

Output: Life insurance proceeds paid to your named beneficiary are not attachable by creditors nor are they taxable . Your beneficiary is under no real obligation to use the proceeds to pay any of your debts , however , generally speaking , Life Insurance planning and the resulting policy protection is put into place to solve problems like this at the time of death . As an example , if you have a $ 250,000 mortgage , and you want your family to be able to stay in your home without that mortgage , then the proceeds can and rightfully should be used to pay off the loan , as that was your intent for your family 's security .


Input: Does Life Insurance Go To Pay Debts?

Output: Yes , Life Insurance can go to pay debts . The purpose of Life Insurance is to relieve financial stress which your heirs or beneficiaries will endure . Life Insurance provides the opportunity to help those you care about or to protect you business from undue financial expenses or replacement of income . When you decide to get Life Insurance , it is important to figure out how much you want to leave . One way to think about this for loved ones is to decide how much do you want them to have annually or monthly and for how long ? Does there need to be some immediate monies to pay for final expenses ? This is a good exercise to get you started .


Input: Does Life Insurance Go To Pay Debts?

Output: Life insurance proceeds dont have anything to do with the estate of the policyholder . They are the tax free benefit paid to the beneficiary . The beneficiary is not obliged in any way to satisfy the creditors of the deceased . There well might be reasons that doing so is a benefit to the beneficiary but there isnt an obligation to do so . For example the beneficiary may decide to retire the mortgage and thereby own the home free and clear ; however , the beneficiary is not required to do that .


Input: Does Medicare Include Dental Insurance?

Output: Medicare does not cover the majority of dental treatment such as cleanings , X-Rays , wisdom teeth removal , extractions etc. . . However , if treatment is medically necessary -LRB- such as hospitalization -RRB- , it is treated differently . However , there some Medicare Advantage plans that will provide benefits . Vision benefits may also be included . Discussing your options with an experienced broker or visiting a reputable national website will often help you understand which plans are best for your specific situation . You can also purchase a separate dental policy since many of the large health insurers offer coverage . There are also dental `` discount '' plans that are rather limited in coverage but relatively inexpensive .


Input: Does Medicare Cover Rheumatoid Arthritis?

Output: Medicare will cover any medically necessary treatment involved in diagnosing and managing rheumatoid arthritis under part B . If a hospital stay is required then Part A would come into play . Any pain medication and prescriptions would be covered under Part D , your prescription drug plan . Over the counter medications would not be covered .


Input: How Much Renters Insurance Do We Need?

Output: If you are purchasing a renters policy to satisfy a landlord , the requirement will be spelled out . If not select the highest possible liability limit in case you are sued . Then , inventory your personal property that will be in the rented unit . Alongside each item estimate the cost of replacing that item . With a sum of the values you will have an appropriate limit for the personal property portion of the renters policy . Now , contact a good insurance agent and trust the agent in this process .


Input: How Do I Switch Home Insurance Companies?

Output: When you switch coverages on a homeowners policy it must be done carefully . Ideally you would apply for coverage with the new insurance company . When the policy is issued the date of that policy becomes the controlling date . Send the policy to your lender and a copy to your previous insurer . In the letter to your previous insurance company ask that the existing policy be cancelled at the same time as the new one assumes coverage . Companies will often supply a notification form . Since many of the homeowners policies are paid by the lender it is important that this be carefully coordinated .


Input: Do Alabama Employers Have To Offer Health Insurance?

Output: Unlike omst parts of the Affordable Care Act , if you are employed by a business with less than 50 full time employees , your employer has the option of offering coverage , but not is not mandated to do so . The health law does not require businesses with fewer than 50 employees to offer health insurance to their workers . Small Employers wanting to offer coverage to employees may do so using the SHOP exchange , which is meant to help small business owners find affordable coverage . The government offers certainincentives in the form oftax credits and deductions to encourage employers with fewer than 25 employees who set up coverage through SHOP and help pay for it . Currently in Alabama , the only way to sign up for a SHOP plan is to go see an agent , broker or insurance company and fill out the paperwork . Online enrollment is scheduled to be available during next fall 's open enrollment period , starting November 15 , 2014 .


Input: What Is The Difference Between Medicaid And Medicare?

Output: Medicare is a Federal program available to all persons age 65 and over or who are on Social Security Disability who have paid into the program while working . It provides Medical Coverage . Medicaid is a program designed for people with low assets and income . You must qualify in these two area 's to receive Medicaid . It is designed to pay for things like Long Term Care , and Medicare Deductibles and copay 's . It can also help pay for other items not normally covered by Medicare .


Input: How To Learn Annuities?

Output: An annuity is a promise to provide a lifetime of payments -LRB- usually monthly -RRB- in exchange for a single deposit . The actuary determines from life expectancy tables the estimated payout and after adjusting for interest the premium is set . This is a single premium immediate annuity . There are a variety of modifications of this basic concept and they involve the accumulation period . If instead of a single payment , you want to make a series of payments these different plans offer different approaches . An annuity has the advantage of accumulating money with the income tax on the earnings being deferred .


Input: What Is PS 58 Cost For Life Insurance?

Output: The PS 58 tables were an IRS provided table of one-year term premiums used to valuate the economic benefit of life insurance protection in split dollar and qualified plans for income taxation purposes . The additional value of coverage is deemed an extra benefit for income tax purposes . We currently use the IRS provided 2001 tables .


Input: Why Should I Get Long Term Care Insurance?

Output: You should seriously consider long term care insurance -LRB- LTCi -RRB- if youre proceeding generation has critical care history based on family illness . At the other end of the spectrum , your family may have a disposition for longevity , which could result in extended care needs . But for everyone , who is planning for retirement , long term care insurance is a defensive planning strategy to protect assets from medical bills and extended care . The average married couple will spend $ 250,000 on medical bills and extended care .


Input: Who Should I Get Life Insurance With?

Output: You should get life insurance with an agency you trust , first of all . If you have a health condition , you can save a lot of frustration and money by using someone who specializes in life insurance for your type of health . It is handy to use a broker who can shop a lot of companies from one spot , as it can be very confusing to compare policies when they all have different features . Ask about their customer service , too , as you will want to work with this agency in the years to come .


Input: Who Should I Get Life Insurance With?

Output: The key to buying life insurance is selecting an agent . Through referrals find an agent that will listen to you , provide solid financial advice and communicate clearly with you and the insurance company . This agent should help you determine the amount of life insurance that you need today and arrange a plan that uses permanent and term insurance to meet your needs in the future .


Input: Who Should I Get Life Insurance With?

Output: You should seek out a competent and patient agent . Someone who is willing to listen , not just talk . You should seek a large , well established and respected , highly rated company . Check the financial records of the companies on line . You want a company that pays claims quickly and fairly . Not a firm that will challenge and delay payment on claims . I am proud that I work as a Registered Representative with New York Life . Please give me a call with any questions . Gary Lane , 949 797 2424 . Thank you .


Input: Why Do People Purchase Annuities?

Output: Assuming youre addressing non-qualified annuities , people purchase annuities for a variety of reasons : tax deferral , lifetime income you cant outlive and interest rates that beat the bank . But you first need to establish a personal financial profile that includes a risk tolerance assessment , defined financial goals , an estimate of your life expectancy and a determination of your effective tax bracket . This will assist you in your product suitability self-examination . The higher the effective tax bracket rate , the more you should explore annuities . The power of tax deferral can be significant over many years .


Input: Does Medicare Cover Omeprazole?

Output: Medicare covers omeprazole , or its brand name Prilosec , through Medicare Advantage Plans or Medicare Part D . Some plans put a limit on how many omeprazole or Prilosec tablets can be taken within a certain time period . It is also approved as step therapy for Acidfex , or after that , for Nexium .


Input: What Does Medicare Cover In Massachusetts?

Output: Medicare covers the same basic health care in Massachusetts as in the rest of the country . Part A covers hospitalization , home health , hospice , and some nursing home care . Part B covers outpatient care , medical equipment , some therapy , some prescription drugs , and misc other services and items . Medicare Part D covers prescription drugs . Medicare supplement plans cover some of what Medicare Part A and B does not .


Input: What Does Medicare Cover In Massachusetts?

Output: The main difference between Massachusetts and other states is in the Medicare Supplements . While most other states have ten or eleven options for supplements , Massachusetts has only two . The core supplement covers Medicare Part A and B coinsurance after you meet the yearly deductible and supplement 1 covers the deductible as well .


Input: Who Is The Best Company For Life Insurance?

Output: There is a list of consumer check points youll want to consider along the discovery process in selecting a life insurance company . 1 -RRB- There are six rating services . Some measure financial stability , others claims paying ability . 2 -RRB- The policy generally has two sets of rates , current company practice and contractual guarantees . 3 -RRB- There are several spreadsheets posted on brokerage web sites that rank premium pricing , so you can an idea what the best cost is . 4 -RRB- There are three basic planning aspects to life insurance . No one company dominates these planning categories : indemnification , income and inheritance . 5 -RRB- Your health will be assessed during the due diligence process . Several companies are known for their benevolent underwriting practices which can result in a significant savings . You have to shop these five check points to ensure the best deal tailored to you .


Input: How Can I Compare Renters Insurance Quotes In Wisconsin?

Output: Obtain quotes from an Independent Insurance Agency . Their agentshave the opportunity to quote you with several different carriers and can let you know which carriers are most competetive and what type of coverage they offer . Be sure to find a Trusted Choice Agency . Check out : WEBSITELINK


Input: What Is Voluntary Supplemental Life Insurance?

Output: Voluntary supplemental life insurance is traditionally a group life insurance plan offered to employees or group members of some group organized for some purpose besides purchasing life insurance . Employees or members of the group have the option to buy life insurance , generally on a guaranteed issue basis , to supplement other life insurance coverage that they presently have .


Input: Who Invented Life Insurance?

Output: There is a bit of debate here , but most assign the first operational actuarial life expectancy table to the famed astronomer , Sir Edmund Halley of Halley comet fame . But Sir Edmund was also a brilliant mathematician and the basis of his actuarial table , as crude as it may appear today , is still the basic foundation for ultimately pricing life insurance itself .


Input: What Is Good Renters Insurance?

Output: Good renters insurance pays a claim to the greatest extent possible and makes you whole when you suffer a loss . This is true whether it is loss due to fire , or loss due to lawsuit . Good renters insurance also meets the requirements of your landlord . The place to buy good renters insurance is from a trusted insurance agent . This agent will listen to you , provide sound financial advice , and communicate clearly with you and the insurance company . Premium is a secondary consideration .


Input: Does Homeowners Insurance Cover Furnace Repairs?

Output: Possibly if you have an endorsement on the homeowners policy for equipment breakdown . Equipment breakdown policies will not provide coverageif the equipment war not maintained properlyalong with other exclusions.Please read your policy completely to know what coverage is provided and what exclusions may be contained within or contact your local agent to have them go over the policy with you .


Input: Does Geico Have Life Insurance?

Output: Geico is really two entities . One is the insurance company that provides auto and vehicle coverage . The other is the Geico insurance agency . They are simply like any other independent agency in that they represent other companies through which they place insurance . This is what Geico does with life insurance . If you purchase life insurance with them , it will be placed with a different company . That does n't necessarily make it bad . It 's most likely a company that many independents write through . My advice is to find the right agent . One you can trust to do the best thing for you and your family , not just the cheapest option . Then listen to him/her and take their advice . You 'll come out ahead in the long run .


Input: Can Non Citizens Buy Health Insurance?

Output: You do not have to be a US citizen to purchase health insurance . Most carriers do require a Social Security number as part of the application process , but you can also use a federal ID number that is part of your visa . To purchase health insurance you must me a legal resident of the US .


Input: What Is The Average Cost Of Home Insurance In Nebraska?

Output: Home insurance rates depend on many factors and in the state of Nebraska rates have increased for most companies since 2008 . There has been a higher rate of hail events in the state and many companies have felt the effects and raised deductibles and prices . That being said there are many companies that do have great policies and rates and my recommendation is to call a local agent and get quotes . An independent agent will have multiple companies to shop for you to find the right fit a captive or one company agent will only have one or thier appointed company to quote for you . The size of the home , credit , claim history , discountsand area are all factors that contribute to the rate so that is information the agent will want . I would love to throw prices out there to you but if you are asking for an average and this is my opinion it is about $ 1200 a year . Of course I have many clients with lower and higher premiums depending on the factors I listed above . Please give us a call or shout if you have any more questions my staff and I would be happy to help answer any questions .


Input: What Is Life Insurance Buy Back?

Output: If this is referring to the buy back option for Life Insurance in Australia and New Zealand , it means that you can restore a bundled policy the original face amount , even after using part of the benefit for Total Permanent Disability -LRB- TPD -RRB- or Trauma .


Input: Does Walmart Have Disability Insurance?

Output: This article lists the benefits offered to full time Walmart employees : WEBSITELINK . There is a provision for short and long term disability insurance coverage with the health plan benefits offered by Walmart . Full time Walmart employees are called Walmart Associates and these benefits are extended to Associates .


Input: How To Get Insurance On A Car?

Output: Do you need to get insurance on your car ? Here 's the easiest way to purchase coverage at the lowest available rate . You 'll save hours of time and receive unbiased assistance to help you through the process . Contact an experienced broker and their website and get a free quote . Let decades of experience work for you ! That was easy ! LIVE answer provided by : Ed Harris - Premier car insurance broker for 33 years and owner of several of the nation 's top-rated websites offering the lowest available rates to consumers .


Input: How To Get Insurance On A Car?

Output: To get auto insurance call a trusted insurance agent . If you dont already have an agent , ask a friend , colleague or neighbor for a recommendation . A good agent will listen to you , provide solid financial advice and communicate clearly with you and with the insurance company . The agent will need to know the names of all the drivers in your household , the year make and model of the vehicle you want to insure , the driving record of all the drivers -LRB- to the best of your knowledge -RRB- and how many miles you intend to drive the car . If you can provide the agent with the VIN it will facilitate the quoting process .


Input: Which Company Should I Choose For Renters Insurance?

Output: That is really up to you . In general , choose the coverage that best suits your particular situation at a fair price that you are willing to pay . Whatever company provides that , be sure to take time to talk to your insurance professional about the financial standing of the company and also about the coverage and discount options available .


Input: How Do You Get Health Insurance With A Pre Existing Condition?

Output: Can you get health insurance with a pre existing condition ? Well the answer used to be complicated base on where you lived as each state approached this issue differently . Some states would provide coverage through guarantee issue and others used a high risk pool and still others let you go without coverage . The ACA changed that at a Federal level so all states now are guaranteed issue states so a person with a pre existing condition should be able to find coverage .


Input: How Do You Get Health Insurance With A Pre Existing Condition?

Output: Great question ! Thanks to the affordable Care Act -LRB- Obamacare -RRB- , insurers can no longer exempt you for having a pre-existing condition . Unfortunately open enrollment is over for the year , and unless you have a qualifying event , you may have to wait until the fall enrollment period . -LRB- there are some companies that will sell a sort of temporary coverage , but they can be fairly pricey -RRB- Go to the www.heathcare.gov website at that time , and look for a policy that fits you . You may even qualify for help in paying for the costs of the policy ! If you need help , take a moment and contact me , I 'm happy to help you walk through it . Thanks for asking !


Input: What Type Of Retirement Plan Is PERS?

Output: A PERS -LRB- Public Employees ' Retirement System -RRB- plan is a defined benefit plan -LRB- DBP -RRB- specific to eligible state agencies , higher education and government employees.Typically there areseveral plans offered and have definitive enrollment periods . Contact your plan administrator for the options available specific to your job function and location . Sheryl Brown / @AshBrokerage


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

Output: The three big concerns : Affordability , proper coverage , good customer service/reliability . Beware of anything that seems too affordable , promises a large amount of coverage for very little , or unanswered calls or emails . Shop for insurance like you would for a car , one that fits your needs and budget , and that you are proud to be seen with !


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

Output: 1 -RRB- Decide on that term -LRB- length of coverage -RRB- . It should be long enough to see your kids grown and through college -LRB- 20 -25 years , is typical -RRB- and major debts paid . 2 -RRB- Determine the amount of coverage . Use an online insurance needs calculator . There is one that is thorough and easy to use at WEBSITELINK Once you 've decided on term and coverage ... 3 -RRB- Comparison shop . There is a big difference between costs from insurer to insurer . Again , visit a site where you can get term life insurance quotes from most of the top insurance companies . 4 -RRB- Talk to an agent . They can often get you an even lower price , especially if you have complicating factors -LRB- health , age , other needs -RRB- .


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

Output: The life insurance policy at purchase should meet your personal unique needs . Isthe face amountadequate to cover my loved ones financial needs such as debt , income replacement or for a business the key person 's value to the company ? If cash value plans does it meet the retirement goals you were aiming for ? Once the policy is purchased the components of the policy to look for are , first the declaration page . This is one of the first pages of the policy and is a summary of coverage . the death benefit , premiums paid , terms and dates concerning your coverage . Next look for the illustration pages . These pages explain any cash value building in your policy or if term the guarantee lengths of premiums and any future rate increases . Lastly find the terms and conditions page . This page explains any exemptions , waivers or riders on your policy . Your loved ones should not be surprised at an untimely death that a benefit is eliminated or reduced . Always seek advice of a professional broker to avoid any unexpected issues .


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

Output: A life insurance policy should meet your financial goals at a cost you can afford . Because of the complexity of the different types of plans available , and possible adverse tax consequences if the wrong decision is made regarding withdraws or a surrender , it is vital to work with an experienced broker . We compare , advise , and shop for our customers , and simplify the buying process . However , proper financial planning is not simple , and requires careful and comprehensive review .


Input: Is Life Insurance Cash Value Protected From Creditors?

Output: Whether life insurance cash value is protected from creditors depends on what state the policyholder resides in . In the state of our home office -LRB- Arizona -RRB- , 100 % of the cash value of life insurance is protected from creditors when the policy has been in existence over two years and the beneficiary is a family dependent . In my home state of Nebraska , only $ 100,000 of the cash value is exempt .


Input: Is Life Insurance Cash Value Protected From Creditors?

Output: In Canada , policies with a beneficiary in the preferred class -LRB- spouse , child , grandchild and parent -RRB- are afforded creditor protection against bankruptcy . If the beneficiary is the estate then there is no creditor protection . Since there are situations where you would not be covered you should contact your lawyer to be certain . 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: How Do I Get Auto Insurance Without A Vehicle?

Output: In Montana you get what is called a Non - Owned policy this is for liability only and will not repair the car that you are driving so if you are driving a friends car and wrecking it cover damage done to others but nothing for your friends car . Now in Montana also the insurance follows the car 1st so if you borrowed your friends car and got into an accident then their insurance covers it first then you insurance 2nd in many cases their insurance will collect what they paid from your insurance carrier . I have many clients that have this coverage because they ca n't afford a car . As stated by the last person that usually it is because the courts require it if you have had problems with your driving record . This is not always the case many of my clients have great driving records but own no car .


Input: How Do I Get Auto Insurance Without A Vehicle?

Output: Yes you can get auto insurance without a vehicle . This is called non owned auto coverage . The use of this type of coverage is primarily for people who had problems with their drivers license and the court is requiring insurance in order to obtain the license back . This does not mean this has to be the issue but is just the primary reason why non owned auto is purchased .


Input: Does Life Insurance Cover Skiing?

Output: Yes , life insurance covers skiing . If you are a recreational skier , there will not be any difference in your price than if you did not ski at all . Your policy would pay whether death occurred by illness or accident , even it it was a skiing accident . Your rate might be higher or the skiing might be excluded if you are a professional skier or participate in ski racing .


Input: Does Life Insurance Cover Skiing?

Output: Awesome question . With most , if not all life insurance application forms , one question in particular asks if you plan on doing any dangerous sports within a certain amount of years . Typically that would be a decline if you do plan on participating in these types of sports .


Input: Does Life Insurance Cover Skiing?

Output: If you are the beneficiary of a life insurance policy , you may spend the proceeds any way you wish ! If you are the insured and truthfully answered ALL questions asked during the application and any required medical exam processes , then yes , your policy would pay your beneficiaries following your demise in a skiing accident . However if you were not forthright in your respones , your beneficiaries could be left with no more than a refund of premiums paid . Honestly is the best of all policies !


Input: Does Renters Insurance Cover Electrical Damage?

Output: If electrical equipment inside your unit is damaged as a result of a power surge or interruption that originates outside the unit , that damage is specifically excluded . If there is a fire that causes electrical damage , that damage would be covered . If an electrical appliance inside the unit catches fire and damages part of the unit or your personal property , that would probably be covered .


Input: What All Does Rutgers Health Insurance Cover?

Output: Rutgers health insurance -LRB- presumably -RRB- has a student plan option where you can purchase medical coverage at a reasonable rate . There also may be limited underwriting , although the Network may not be national . You should compare this option with your existing coverage -LRB- if you have any -RRB- . A local experienced broker is the best resource . Go Scarlet Knights !


Input: What Are The Different Types Of Renters Insurance?

Output: There is really only 1 renters policy . However , the coverage included can vary . Some policies are written on an Actual Cash Value basis , where other policies are written on a Full Content Replacement basis . Let me explain the difference . Let 's say you went out and bought a brand new TV that cost you $ 1000 today . Three years from now , it gets damaged and you submit a claim under your Renters policy . On the Actual Cash Value policy , the claim adjuster would look up the make and model of your TV , and find that it is no longer selling for $ 1000 . That model now sells for $ 400 . But the $ 400 would be for a brand now unit out of the box , where your TV was 3 years old , so they further reduce the claim based on depreciation . You 're left with $ 250 - and you still need to pay your $ 100 deductible . Not a good day . With Full Contents Replacement coverage , the claims adjuster looks at how much you spent on the TV , not the make and model , and your claim is processed for $ 1000 -LRB- minus your $ 100 deductible -RRB- . And since technology has improved over the past three years , you now have the choice to purchase the same TV you had -LRB- which is selling for only $ 400 now remember ? -RRB- or purchase a better TV with better features than the one that was damaged . Not a bad day at all ! Although the Actual Cash Value policy will cost less , you wind up getting less in the end . Remember , just because one policy is cheaper than another , does n't mean it 's a better deal . Always consult with a licensed , professional insurance agent to help determine which policy is best for your needs .


Input: Who Are Annuities Right For?

Output: Every product purchase has a value proposition to assess . All savings and investment products should have a determination process to qualify as suitable for purchase by the saver or investor . Non-qualified annuities , whether fixed , indexed or variable , are no exception . A personal financial profile that includes a risk tolerance test , financial goals , effective tax bracket and a life expectancy report is necessary to establish the type of annuity that should be purchased .


Input: Who Are Annuities Right For?

Output: There is no one correct answer to this question . It depends on the reason for the annuity since annuities can be a tool for a number of situations . The most common is use as a retirement funding tool . Annuities are a safe way to accumulate money fore retirement and provide a guaranteed life income . They can be used by those who do not have the resources to risk the market losses from stocks and other investments . They can also be used as a cushion or safety net for other investments by those who have resources to invest but do not want to risk losing their entire portfolio . Never use any long term investment as your sole savings vehicle . Make sure you have the priorities first . These are liquid savings of at least three to six months and a solid life insurance portfolio in case you do not live long enough to meet your retirement goal . Then , based on your situation you can diversify into a combination of safe and risky investments .


Input: Who Are Annuities Right For?

Output: An annuity is designed for a person who needs to have a guaranteed life time income . An immediate annuity solves this problem quickly and efficiently . Because the gain inside an annuity is not taxable prior to distribution , it can also be used to accumulate money on a tax deferred basis . There is a wide selection of IRAs that vary in safety and yield . These can be used in IRAs , Roth-IRAs , and many other tax qualified plans . Annuities can also be part of savings plans outside tax qualified plans . The key to an annuity in the accumulation phase is that it is a long term investment . It is not designed for short term objectives .


Input: How Is Renters Insurance Different From Homeowners Insurance?

Output: A renters policy is similar to a homeowners policy except that there isnt any coverage for the residence . If you are renting a house and it burns to the ground , your landlord is responsible for rebuilding the house , not you . If your contents are destroyed in the same fire , you are responsible for the contents -LRB- personal property -RRB- not the landlord .


Input: Who Issues Annuities?

Output: Term certain annuities are sold by a number of financial institutions including insurance companies , bank and trust companies . As the name implies , in exchange fora lump sum premium you receive an income for a specified term Life annuities are sold only by life insurance companies . As the name implies in exchange for a lump sum premium you receive a guaranteed income stream for the rest of your life . These type of annuities are available on a joint life basis and can have minimum guaranteed payout . 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: Who Issues Annuities?

Output: Annuities are issued by life insurance companies . Annuities are a contract between the person obtaining the annuity and the life insurance company that offers it . The annuity is protected by the many regulations that life insurance companies must hold to in order to stay in business , and in to stay in the good graces of rating companies .


Input: What Is The Best Age To Buy Life Insurance?

Output: The best age to buy life insurance is the age that you need it . Did you get just married or have a child ? Your family will most likely need to have some sort of financial protection if your life would tragically be cut short . Did you buy a house ? Life insurance could pay off your mortgage if you passed . Do you need some funds to be easily accessible to your family to pay for your funeral ? You can buy life insurance for that , even if you are over 70 years old . Prices are lower while you are younger , but not enough people recognize their need for life insurance until they are older . The good news is , there are policies available at almost any age . So rather than think your best time has passed , go ahead and purchase life insurance if you need it . When you need it , now is the best time .


Input: What Is The Best Age To Buy Life Insurance?

Output: The best age to buy life insurance is as young as possible and as soon as you need it . Life insurance premiums are based on health and age , so the younger you are , the lower the premium will be . Buying at a younger age also guarantees your insurability . If you encounter a serious medical condition , you wo n't have to worry about qualifying for life insurance if you already have it .


Input: Can I Be On Someone Else's Car Insurance?

Output: Yes , if you are a blood relative or under legal guardianship -LRB- if you are a minor -RRB- and reside in the same household as the insured you can be added to the family members policy if they wish to do that . If you are not a blood relative and you reside in the same household as the insured some carriers will allow you both to be on the same policy . Contact a local agent to find out about coverage availability and pricing in your area .


Input: Can I Be On Someone Else's Car Insurance?

Output: This may be possible if you reside at the same address as the policy holder and are a blood relative or if you are domestic partner to the insured . All persons within a particular residence that are blood related typically can be listed on the auto insurance policy if the primary insured wishes to make that happen . Contact a local agent to discuss your coverage concerns and to find out about coverage availability and pricing within your area .