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

Output: My advice is the earliest age that you need it . When someone you love and care about is financially dependent on you or you would saddle them with debt if you were to pass away suddenly , it is time to purchase life insurance . Here is the basic rule of thumb when purchasing life insurance . It will never be more affordable than it is today . We all get older and sicker with each passing day and this adds to risk when purchasing life insurance .


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

Output: That is a great question ! One of the best bits of financial advice I can give you is to buy life insurance as young as you can afford it , and start saving for your retirement as soon as you can also . Life insurance is cheaper when you are young , and in great health , and if purchased when you are young enough , will often allow you to increase the coverage periodically without medical exams . The low price is locked , and never changes . Saving for your future allows more time for your money to work for you , and help secure a better funded retirement . If you would like to know more about this , please contact me . Thank you for asking !


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

Output: The short answer is at the earliest age you are when you have a need and can afford the premium . One major pricing factor in life insurance is the age of the insured . Younger folks pay less for the benefit coverage because statistically they will be living longer . In most cases they are also in good health and pretty good shape as well , which are additional considered underwriting factors .


Input: How Does Car Insurance Work When In A Car Accident?

Output: Typically when you are involved in an auto accident ; you will call your carrier 's claims department . This number is usually located on your insurance card or you can call your local agent to retrieve it . Most carriers will take some information about the accident over the phone if this is possible and then begin the process of getting the claim processed and helping you get back to where you were before the accident up to you policies limits or the limits of the responsible party 's policy .


Input: What Is A J Code In Medicare?

Output: A J code in Medicare is a code used to identify injectable drugs for purposes of billing . The type of injections for which these drugs can be used are intramuscular , subcutaneous , or IV . J codes are also used to designate the generic name and dosage of oral immunosuppressive drugs for billing purposes .


Input: Is New York Life Insurance A Public Company?

Output: New York Life is not a publically traded company . New York Life is a mutual company . This means their policyholders are owners of the company versus publically traded on the stock exchange . Some types ofNew York Life whole life policies even allow voting rights and dividends for the policyholders . There are both plus and minus to mutual companies versus publically traded companies .


Input: Is Non Owner Car Insurance Cheaper?

Output: Well it depends really . Non owner insurance is primarily designed for those who have lost their license and are in need of insurance to obtain their license back from the DMV . In some cases the individual does not have a car but still needs insurance so a non-owned policy is issued .


Input: How To Get Out Of A Fixed Annuity?

Output: Generally , when you buy an annuity you 're going to keep it for the life of the contract . Annuities can be cancelled early , but you will likely have surrender charges and certain tax implications involved if you do . What kind of annuity you have may have different penalties for surrendering the annuity early . If you surrender the annuity before 59 1/2 , I believe you may/can face a 10 % federal tax penalty on the value of the annuity . You should definitely talk it over with your annuity agent before making any decisions so you know what may happen if you surrender the annuity early . I hope the information is helpful - please feel free to contact me for help or if you have any other questions . Thanks very much .


Input: How To Get Out Of A Fixed Annuity?

Output: A fixed annuity can be put , on-stop or surrendered . If the annuity is surrendered the payout will be subject to surrender charges in the early years of the contract . These surrender charges are much like the charges applied to a bank CD , and the percentage of the total amount declines every year until the surrender charge disappears .


Input: How To Get Out Of A Fixed Annuity?

Output: That is a great question ! If you were my client , the first thing I 'd ask you is why you would want to . You can certainly surrender the annuity , but it can sometimes be a bigger problem than the one that you have . If you have not had the contract long , your withdrawal will be subject to fees , penalties , and possibly taxes . These charges can considerably reduce your payout . If it is a cash flow issue , I 'd look at other alternatives with you , like maybe taking out a loan from your life insurance before ending your annuity . Please contact me if you would like to discuss this a little more . Thank you for asking !


Input: Can A Married Couple Have Separate Auto Insurance Policies?

Output: An insurance company insures an automobile . People own automobiles and insurance . In California , the auto policy covers every licensed driver in the household . If the husband and wife do not live together and an automobile is owned as separate property , that automobile could be insured separately from those of the spouse .


Input: Can A Married Couple Have Separate Auto Insurance Policies?

Output: Great question ! There are times when you might have separate policies , if there are vehicles that may only be driven by one spouse . An example might be one vehicle is used exclusively for a spouses business . That car would be insured separately from the family car . As Mr. Pipes said , you may also be married , but living apart , and have each vehicle insured separately . Generally , it is cheaper to be together under one policy , unless one spouse has an abysmal drivers record . Thanks for asking !


Input: Does Renters Insurance Cover Car Break Ins?

Output: An HO4 -LRB- homeowners policy for a renter -RRB- would provide coverage for personal property . Any items that would be deemed `` personal property '' stolen out of a vehicle would fall under the contents portion of the homeowner policy . The homeowner policy would not pay for any damage to the vehicle itself . That would be covered under the comprehensive -LRB- other than colission -RRB- portion of the auto policy if that particular coverage is included on the vehicle . Each policy would have a deductible that would apply if a claim were to be filed on both policies .


Input: Does Renters Insurance Cover Car Break Ins?

Output: If you have a Renters Insurance policy , than more than likely it provides come coverage for your personal property while away from your home . That would include personal property in your car . The renters policy would not proviode any coverage for damage to your car caused by the berak in of course . That would come from the Comprehensive portion of your car insurance policy .


Input: Does Renters Insurance Cover Car Break Ins?

Output: Your renters policy provides coverage for your personal property . Most policies provide that a percentage of the total coverage applies to your personal property when it is away from the residence . That figure is frequently ten per cent . If you have personal property and it is stolen from your car , you can file a claim with your renters policy . Dont forget that there is a deductible on personal property claims .


Input: When is a Life Insurance Policy regarded as "in force"?

Output: This is probably a situation where you will want to get some legal advice . I have seen cases explained where it went both ways . The answer to your general question , however , is that the policy does not actually go into effect until the first payment is made and required delivery paperwork is received . What happens so often during life insurance underwriting is that you are not speaking with the person who makes the ultimate decisions . The fact that they told you to send in the first payment sounds like a good move on their part , so that base would at least be covered . But the legalities have to then go by their teams who make those complicated decisions . And far too often , auto generated memos go out without taking into account the whole situation . I say this not as an excuse for insurance companies , but just because we run into this a lot , where their letters have not caught up with current reality . If they had said your husband 's policy was in effect on the day of his death , I think you would have a strong case . But with it being an approval letter , and then how it went down afterwards , I could not say . It certainly can not hurt to ask a legal expert who can advise you , though . Best wishes and my condolences at this difficult time .


Input: When is a Life Insurance Policy regarded as "in force"?

Output: Michelle , first I am sorry for your loss . I recently lost my stepson so I fully understand the grieving you are enduring . My prayers and thoughts are with you and your family . Regarding when a policy is in-force . A Life Insurance policy is in force when the delivery requirements along with the premium have been received during the delivery period time frame . For reinstatement 's , the same holds true , once they have approved and received the delivery requirements , the policy would be in-force . Since the approval date is the 6th , with the insured passing away before the approval date , it does sound like the claim would be denied . I wish I could give you better news . If there is anything I can help you with , please let me know . I will do my best to refer you or help you myself . God Bless . Matt Benore


Input: When is a Life Insurance Policy regarded as "in force"?

Output: The situation you describe will require legal assistance to unravel . I think that your state insurance commissioner will also want to know what happened . I believe that if the policy has been placed in force , it is in force until it is cancelled . I suspect that you did not receive good advice when the home office told you to make the premium deposit ; however , this is a serious legal issue .


Input: When is a Life Insurance Policy regarded as "in force"?

Output: As tragic as the circumstances , I suspect that the answer that will be sustained will be the one that declares the policy was actually in force at the actual time the premium was received . Most policies contain language that says something similar to : `` in consideration of the premiums paid ... '' . Premium is the inducement for the carrier to provide the protection and enter into the contractual agreement to provide coverage . We almost always encourage our life insurance applicants to send premium with an application to invoke any temporary insurance agreements -LRB- provisions for obtaining coverage while the application is considered for issuance -RRB- . When the carrier accepts the application , and there are no counter offers or amendments , the premium payment causes coverage to become effective in most instances . I explain to my customers it is better to be insured while deciding than to take a chance , however small , that conditions will change during the underwriting process or that they may pass unexpectedly while waiting . Nevertheless , you may indeed find legal advice helpful and I am certainly not giving legal advice . Insurance companies are very careful and they act and behave in certain ways because of the experience they have had defending their written contracts . Insurance laws are also under constant review in courts so I suspect you might find legal advice useful . Sorry for your circumstances and good luck with your pursuit of the best possible answer for you .


Input: When is a Life Insurance Policy regarded as "in force"?

Output: Michelle in New Jersey , What a sad story ! I 'm sure everyone sympathizes with you as I do , however there are rules that govern pretty much everything as you indicated that you are aware . So the answer to your question : When is a life insurance policy considered `` In Force '' ? is that the policy is in force when all the delivery requirements are met and the first premium is paid . In this case the policy was in force , but then lapsed thus it was no longer in force . Your husband applied for reinstatement , which reinstatement was approved according to your account , however the premium had not yet been paid , nor the approval been given by the insurer when your husband died . Therefore the policy was not in force on your husband 's death and the insurer is not obligated to pay the benefit . Even if your husband had submitted the reinstatement premium with his application for reinstatement , since the company had not approved or accepted the reinstatement before your husband died the policy did not meet the requirements for inforceability . Had he submitted the premium and the company accepted and approved the reinstatement before he died then the policy would have been in force and the company would be obligated to pay the benefit .


Input: Can You Withdraw Money From A Whole Life Insurance Policy?

Output: Participating whole life accumulates cash values . The question has aninherent policyprovision that may have tax ramifications , the word `` withdrawal . '' Withdrawalgenerallyrefers to accessing basis . Participatingwhole life distributes dividends . Dividends are a return of unused premium . Withdrawing your dividends up to basis should be tax free and with no policy charges . If you need to accesscashvalues beyond basis , you need to takeinterestchargingpolicy loans , which are tax free , as long as the policy is kept in force for the life of the insured , Thepolicyloans onparticipatingwhole life insurance are spread loans or direct recognition loans . Consult your tax adviser and insurance professional before moving forward with withdrawals .


Input: Can You Withdraw Money From A Whole Life Insurance Policy?

Output: This is a great question . With most Whole life policies , they do build cash value over time . If you have built cash value , normally you can borrow against that it , although typically you will have to pay interest like a regular loan and it will decrease the face amount of the life insurance policy .


Input: What Is Qualified Long Term Care Insurance?

Output: Some states offer a partnership program . A qualified Long Term Care policy meets certain qualifications that allows it to be sold as a qualified plan . The advantage is that for every dollar paid out for long term care under your policy , the state will allow you to shelter that amount of assets and still qualify for Medicaid if you policy runs out . This is a huge benefit if you have a home or other assets you want to leave to your family because it helps shelter a good portion of your assets from Medicaid spend down .


Input: Who Writes Progressive Homeowners Insurance?

Output: Depends on the third party contract Progressive has procured in the state . In Louisiana they may represent ASI and Homesite but it can vary from state to state . I believe Geico does the same and does not actually write their own homeowners insurance but just contracts the policy out to another insurance company .


Input: When Is An Audit Required For A Retirement Plan?

Output: ERISA qualified plans are generally audited annually to ensure compliance against discrimination -LRB- being top heavy -RRB- . This test makes sure that the plan is not over favoring the companies highest paid employees . If discrimination is discovered , that funds are returned to highly compensated employees to being the plan back to compliance .


Input: Can I Get Insurance On A Car Not In My Name?

Output: A licensed driver can purchase a non-owned automobile policy . There are a variety of situations where this would be in your interest . If you frequently use short term vehicle rentals this policy can provide the liability insurance required by the leasing company . If you have employees who drive their vehicles in the course of your business , you could be sued and non-owned auto coverage is where you would look for coverage .


Input: How Much To Save Per Month For Retirement?

Output: The question is complex . So few Americans are really prepared for retirement . A retirement counsellor would probably be a big help for you but the main point is to start now . Regardless of how much you set aside , it is more than you would have had otherwise . And then the other point is to review your progress every year or even more frequently . So , start early and review , review , review . Retirement is about planning even more than money .


Input: How Much To Save Per Month For Retirement?

Output: That is a great question ! I really wish that I had more information about you and your situation to be able to give you a better answer , but here 's what I can tell you . What does your retirement look like to you ? Travel , relocation , stay at home and watch tv ? What does your current financial situation look like ? Have you started saving for retirement ? How much can you safely sock away each month ? If you want to live at the standard that you are now , you should have 8-10x your current salary put away . I 'd also advise you to look for a long term care plan , or investments that help protect against an illness or injury that would require skilled care . Please inbox me with more detail , and I 'll give you some better advice , ok ? I hope this helped , thanks for asking !


Input: Does AARP Have Term Life Insurance?

Output: AARP does carry term life insurance that ends at age 80 . Premiums are based on 5 year bands and go up over time . The maximum face amount is $ 100,000 . No medical exam is required . There are a number of companies that sell No Exam term life insurance where premiums are guaranteed to stay the same for the entire term . Face amounts are up to $ 500,000 . Please contact me if you 'd like to see a quote .


Input: Does AARP Have Term Life Insurance?

Output: Yes , the AARP lends its ' name to term life insurance sold by New York Life . This carrier is one of the more expensive companies , however the AARP receives compensation from this insurer as they do for some other services as well . You may wish to read the blog I have written on the very subject at our site .


Input: When Do Auto Insurance Rates Go Up?

Output: Insurance companies can not raise rates without approval from the state department of insurance . The state insurance commissioner is charged with protecting the consumer and making sure the companies can meet their obligations . When a company pays out more in claims and expenses than it receives in premiums it starts the process of requesting a rate adjustment . Most states are reviewing these petitions throughout the year . Once approval has been granted , the company must implement the changes .


Input: Do You Need To Have Homeowners Insurance In Pennsylvania?

Output: No , Homeowners is not mandatory in Pennsylvania . However , if you are applying for any type of homeowners loan , most banks will require you to purchase insurance to process the loan . The bank will also ask to be listed as the lien holder . If you need help obtaining Pa Homeowners contact me at www.PaInsuranceMadeEasy.com or call/text 570.294.4140


Input: Can You Be Forced To Get Renters Insurance?

Output: That is a great question ! You can not be forced to get renters insurance , but the landlord can make it a requirement for you to be able to rent from them . You can always choose to rent somewhere else . But I 'd want you to think about it for a second . Why should you have it ? The landlord has insurance , but it does n't cover any of your belongings . If your apartment caught on fire , His insurance would cover the building repairs , but you and your neighbors ' belongings are another story . And the liability for the fire may leave you open to a lawsuit for the repair bill . Renters insurance is relatively cheap , and can save both you , and your landlord , a ton of grief . That 's why they want you to have it . If you would like some tips on what to look for , please feel free to contact me , I 'm happy to help . Thanks for asking !


Input: Can You Be Forced To Get Renters Insurance?

Output: A landlord can require that the tenant have a renters policy . As a tenant you can elect to move out . It is more likely that you would never move in . This is not a state law rather it is just a condition of the rental contract . Tenants often feel that the landlords insurance covers their property and it doesnt . They also are not aware that if someone is injured inside their unit , they are responsible , not the landlord . A renters policy covers these issues .


Input: Does Medicare Pay For IV Antibiotics Used At Home?

Output: Medicare Part B does not pay for IV antibiotics used at home but Medicare Part D might pay for the drug itself . In order to have the costs and supplies associated with administering the IV drug covered , it must be done as an inpatient under Part A or in a doctor 's office under Part B.


Input: As a private CNA, not working for an agency can I accept long-term care insurance?

Output: Yes , a private CNA is allowed to accept long term care insurance . I would recommend you contact the insurance companies whose coverage you would like to accept and inquire about becoming a participating provider . They may ask that you accept a discount on your regular fee and agree to accept that charge as payment in full .


Input: What Is Variable Adjustable Life Insurance?

Output: I believe it is just another name for Variable Universal Life . IN a Variable Universal Life product , you choose market investments to invest a portion of your premium payment to hopefully grow money tax deferred , and also have a death benefit . Of course it is a market investment , and there could be negative returns as well.The adjustable part means there is flexibility in the premium based on the value of the account .


Input: What Is Variable Adjustable Life Insurance?

Output: Variable adjustable life insurance is an insurance product that gives the insured face value coverage while using a portion of cash values to invest in different stocks , money markets , or mutual funds in hopes of obtaining a profitable investment . This investment feature is a part of all variable products , making a stockbroker 's license a requirement to market these products . In most cases , the investment profits are taxable .


Input: What Is Variable Adjustable Life Insurance?

Output: That is a great question ! In the spectrum of life insurance policies , there are policies that come with lower risk and higher guarantees , and there are those that may have higher values , but come with more risk and less guarantees . On the low risk end are traditional whole life policies . You pay a set premium for a specific face value , and as long as you pay your premiums , it 's almost certain that you will see that face value paid when the insured passes . Moving up the spectrum a little are term policies . These policies also have set face value amounts , and cover only a specified amount of time . The payments may or may not remain constant . they might increase or decrease as the term nears completion . The only way these policies pay out is if the insured passes while the term period is still in effect . On the high risk end of the spectrum are the adjustable , variable , or universal policies.Though they may carry any of these terms in the name , the basic working chassis is the same . With these policies your risk to gain or lose is not guaranteed . You basically play the market within your policy with the funds that are in it . If your investments do well , then your policy may make money , remain solvent , and have steady premium payments for you . If the market is n't doing so hot , like lately , or your investment choices were n't the best , your policy may go belly up , or require higher premium payments from you to keep it solvent . The guarantees on this type of policy are generally minimal , and the balance of the risk is on you , not the insurer . They will have some pretty good looking numbers when trying to sell it to you , so if you are looking to purchase one of these , please be very sure that you understand exactly what you 're offered , and what is guaranteed , okay ? I appreciate you asking , and if you 'd like more information , please do n't hesitate to contact me , okay ? I will go on record now as saying that I do not advise my clients to purchase this type of policy , unless they are completely comfortable with the possibility that they may lose money , or pay more than they might have wanted to . Thanks for asking !


Input: How Much Does Weight Affect Life Insurance?

Output: Being overweight affects life insurance differently , depending on what type of policy you are getting . If you are getting a No Exam policy that gives you a set rate just for qualifying , then your weight will not make a difference , just as long as you do not weigh over the maximum amount . Some policies have no weight limit at all . If you are applying for a policy that does require medical underwriting , fluctuations of just a few pounds can cause your rate to go up . If you start out just slightly overweight , this increase may not make a lot of difference , or you may even find one company that will rate you much lower than the rest . But if you are quite overweight , the price increase can be large , or you can even be declined . Weight is one of those areas where it really helps to shop around . Not only do different companies have different weight charts , but sometimes going with a No Exam policy can beat the price of one requiring an exam , when the applicant is overweight or obese . Using an agency that specializes in overweight life insurance can certainly help save time , money and frustration .


Input: How Much Does Weight Affect Life Insurance?

Output: Your weight -LRB- more specifically , your BMI -RRB- has a major impact on the rate you pay for your life insurance . Regardless whether you are purchasing term or permanent coverage , almost all carriers consider height and weight in the underwriting process . A `` preferred '' rating on a policy will require a specific range of BMI to qualify . A `` standard '' rating will expand that range but the rate will be higher . `` Rated '' classifications are the most expensive and will be used for persons that are extremely overweight or have other specific conditions . An experienced broker can determine which insurers are likely to offer you the best rates based on your current weight and other applicable conditions -LRB- if there are any -RRB- .


Input: How Much Does Weight Affect Life Insurance?

Output: There are a number of No Exam life insurance products that do not consider weight at all in determining whether an applicant is qualified for obtaining a life insurance policy . And a smaller number will even issue a policy that is not graded , despite having no weight limit . With the latter , one 's health must be pretty good in order to qualify for the policy . However , the rates for those policies will be considerably higher , so if someone is just overweight and not obese , getting a medically underwritten life insurance policy usually -LRB- but definitely not always -RRB- costs less . With a wide range of products to choose from , those who are not in the normal weight limit can find the most affordable overweight life insurance .


Input: How Much Does Weight Affect Life Insurance?

Output: Your weight is a significant aspect in the underwriting process . Too heavy a build can mean higher rates or an outright decline for a person seeking the best possible rates for themselves . What you have to understand about underwriting is an underwriter has to make a `` guess '' based on your information one time . They can not track your health over time and adjust cost as the policy goes . The problem with excess weight is it can be traced to other health conditions which lower life expectancy , which either drives up cost or leads to a decline . An insured can however after a year or so , ask for the insurance company to reconsider their rating if they have lost weight and can show some consistency in maintaining the weight loss .


Input: How Much Does Weight Affect Life Insurance?

Output: Each company has its own standard as far as what is standard and what is non standard and the rates that they apply for such levels . If you weigh more than the federal guidelines for height and weight you will more than likely pay a higher price than if you were within those guidelines . The best thing you can do is contact your local agent to discuss your coverage needs .


Input: How Much Does Weight Affect Life Insurance?

Output: Weight can make a big difference on your rate . Insurance companies base preferred rating on a healthy person of normal weight . The further you deviate from that ideal , the higher your rate will be until you can be forced into a guaranteed issue plan . Statistics show that overweight people have a higher risk of mortality . Insurance companies adjust their rates accordingly .


Input: Will Medicare Pay For Gum Surgery?

Output: Medicare will not pay for gum surgery unless the surgery is for reconstruction of the jaw , or part of an effort to save a life or alleviate another health condition . Medicare normally excludes all dental procedures except for jaw reconstruction or as needed to treat another health condition -LRB- or prepare the mouth for medical treatment of another health condition -RRB- .


Input: What Are The Best Medigap Policies?

Output: The answer to that question really depends on what the consumer is wanting in a Medicare plan . Are you looking at a Medicare Advantage plan or do you prefer original Medicare ? Original Medicare plans may offer the least out of pocket expense to the consumer if say you chose an `` F '' plan which would not have any co-pays , or deductibles or out of network costs to worry about . I would suggest you get with an experienced Medicare agent have them explain the differences between the plans and then you can decide which plan best fits your needs and budget .


Input: How Much Is Car Insurance In The US?

Output: There are many factors that go into determining the auto insurance rates for an individual seeking coverage . Some of the factors used are , geographic location of where the vehicle is garaged , ages of all drivers , types and levels of coverage desired , motor vehicle history of each driver , and vehicle use just to name a few of the main ones . Contact a local agent to discuss your coverage needs and desires to find out more about availablity and pricing .


Input: What Happens If Someone Does Not Have Health Insurance?

Output: If there is a medical `` need '' at the time of service , any person will be treated by hospital services . So care in the case of immediate need is not in question . The next part , the paying the bill part , could go in two directions . First , most hospitals will waive -LRB- write off -RRB- the costs if the person does n't have the financial means to pay the bill . The other , if the person `` has '' the means to pay and has chosen not to carry health insurance will be treated the same way as any other bill this person incurs . Which can mean collections . The choice is the medical providers to make .


Input: Can You Deduct Retirement Plan Contributions?

Output: In Canada , subject to limits , you can deduct contributions made to Registered Retirement Savings Plans -LRB- RRSP -RRB- , Registered Pension Plans -LRB- RPP -RRB- and Individual Pension Plans -LRB- IPP -RRB- . The plans grow in a tax shelter and attract taxation on withdrawal . If you would like to work with a local Retirement Planner , you could start with a Google search . For example , if you search for : retirement planner Halifax or retirement planning Halifax , my name , along with several others , will come up . You can use the same method to find Retirement Planners in your community . If you have further questions , or feel that I could be of assistance , please do not hesitate to contact me .


Input: Can You Deduct Retirement Plan Contributions?

Output: There are many qualified plans that allow contribution tax deductions for plan participants . Plans such as 401 -LRB- k -RRB- s , 403 -LRB- b -RRB- s , 412 -LRB- e -RRB- , SEPs and IRAs . The higher your effective tax bracket , the more valuable the tax deduction is . Keep in mind that some employer sponsored plans match part of your contributions , so its important to make contributions in these scenarios .


Input: What Is An HR 10 Retirement Plan?

Output: A Keogh plan is a qualified retirement plan -LRB- the Self Employed Individuals Tax Retirement Act of 1962 -RRB- called the Keogh Act . Keogh plans are defined contribution plans , whether as a profit sharing , a money purchase , or profit sharing/money purchase plan .


Input: How Much Will My Insurance Give Me For A Totaled Car?

Output: The best way to get a close guess to what they will pay for your car is to run a value of your car prior to the damage . Many use the nada.com or Kelly blue book both are online . This will give you a close price to what they will give you . Also you can contact most car dealerships and ask them the value of your car before it was wrecked .


Input: Why Would One Borrow From A Life Insurance Policy?

Output: The concept of borrowing from a life insurance policy , whether it is a whole life or universal life insurance policy , is taxes . The idea of cash value life insurance is the ability to accumulate cash that is tax deferred . You may later in life or in your retirement be able to borrow down your cash value . This does two good things for you . It keeps your death benefit in tact , but can lower it as cash value is depleted and because you are borrowing your own money and the insurance company is charging you very low interest rate , Uncle Sam considers the money a loan and not income . This means your money is income tax free . Always seek the advice of your agent or company . There are a few caveats that you should be aware of while you are borrowing against your cash value life insurance policy , but it can be a very effective tool for you to use in retirement . You also have the choice to repay the cash value or not . Beware of cashing out your cash value life insurance policy because those proceeds are taxable .


Input: Why Would One Borrow From A Life Insurance Policy?

Output: For several great reasons . When you buy a Whole Life Policy , you build up cash value . You can borrow against this for such things as a down payment on a home , for a child 's college education , or even for a car . The interest is very low and available within a day . If you choose , you do not have to ever repay it , although that will lower the death benefit . Your policy will continue to grow , and even grow as though the money had not been borrowed . And those proceeds are totally tax free to you . I would love to explain this in details . Gary Lane , Registered Representative , New York Life , 949 797 2424 . Thank you .


Input: Why Would One Borrow From A Life Insurance Policy?

Output: Borrowing from a life insurance policy is like borrowing from your own money . If you want to keep your policy 's death benefit intact , you can repay the money with interest , but you are paying it back to yourself . You might use that money to start a business and forego having to get a loan from the SBA . You might use it for purposes that mean a lot to you , but for which it would be difficult or impossible to secure a loan . Your life insurance policy is your own `` bank '' to use as you see fit .


Input: When Does Renters Insurance Take Effect?

Output: Renters Insurance would take effect in the event of a loss to your personal property as well as peronal liability . If someone broke into your home your renters insurance would cover the stolen items , if the building were to burn down renters insurance would cover your personal property , also if you were to have your car broken into and items stolen those items would be covered under your renters insurance .


Input: What Is 10 Year Term Life Insurance?

Output: 10 year term life insurance is life insurance that will stay the same price for 10 years . When the 10 year term ends , the price will jump up drastically , or else the policy will end . Most people end up shopping for a new policy when the 10 years are up .


Input: What Exactly Does It Mean When A Life Insurance Policy Is Assigned?

Output: Life insurance policies are often assigned for loan protection or to fund funerals , among other things . Collateral assignment still gives you some control in your policy , but allows a lender to repay your loan from your life insurance proceeds if you should pass away before the loan is paid off . Whatever does not go to your loan repayment , goes to the beneficiary of your choice . For funerals , the assignment may also collateral assignment , but if prepaying a funeral for Medicaid spend down , it must be irrevocable .


Input: What Exactly Does It Mean When A Life Insurance Policy Is Assigned?

Output: Generally , assigning life insurance means the policy is a either collateral assignment or cash value restrictive endorsement . Some policy owners use the cash values and/or death benefit as collateral for banks or institutional recourse assets . Cash value restrictive endorsement is usually a temporary control of the policy as a pledge like vesting in a executive bonus plan .


Input: What Exactly Does It Mean When A Life Insurance Policy Is Assigned?

Output: When a policy is assigned it means that someone has first rights over the proceeds . In the event of death their right would be exercised and only the balance of the proceeds would be paid to the beneficiary . This is most commonly seen when life insurance is used to secure a loan .


Input: What Does Cobra Stand For In Health Insurance?

Output: COBRA stands for the Consolidated Omnibus Reconciliation Act which was passed in 1986 , and amends the Employee Retirement Income Security Act -LRB- ERISA -RRB- . COBRA provides for the temporary continuation of healthcare benefits , when coverage might otherwise be lost . It applies to members of group health insurance plans with more than twenty members . Private workers are covered , but not government employees .


Input: What Does Cobra Stand For In Health Insurance?

Output: While it sounds like something that would jump up and bite you , it has actually been a great thing for many people over the years . COBRA is the abbreviation for the Consolidated Omnibus Budget Reconciliation Act -LRB- you can see why it 's referred to as COBRA now -RRB- which was passed by Congress in 1985 . This bill addressed many issues but the part of it that the average person would be familiar with is its provision that requires employers with 20 or more employees to allow former employees to continue to participate in that employer 's group health insurance plan -LRB- assuming you were n't terminated for cause -RRB- . In most cases you can continue your coverage for up to 18-months though there are other situations , such as divorce , were the continuation period is even longer . This continuation of coverage provision was created when underwriting of health insurance plans , pre-existing condition exclusions and the possibility of being declined for coverage in the individual marketplace still existed . While COBRA continues to be in effect , with the passage of the Affordable Care Act -LRB- ObamaCare -RRB- and it 's elimination of underwriting , pre-existing condition exclusions and guaranteed issue requirement , COBRA 's value has been greatly diminished for many people .


Input: What Are Fixed Index Annuities?

Output: Fixed Index Annuities -LRB- FIA 's -RRB- are annuities that have the security of a guaranteed interest rate along with the potential to earn more based on the performance of a market index or indexes . Fixed Index Annuities are often interchanged with the term Equity Indexed Annuities , but FIA 's can be tied to indexes other than the stock market . The premium for a Fixed Index Annuity can go in as a simply payment or be paid over time . The potential for growth in an Indexed Annuity is greater than a Fixed Annuity due to the participation in the indexes . However , it maintains the security of the guaranteed interest rate of a Fixed Annuity .


Input: What Are Fixed Index Annuities?

Output: Fixed Index Annuities -LRB- FIA -RRB- use domestic and/or foreign indices in its performance crediting method . The index method may use rate caps , rate spreads or participation percentages . Some FIAs may use a combination like caps and participation . It is interesting to note that most of these tactics coalesce after ten years . Some FIAs use annual , two year or five year point to point schedules for inception and ending crediting periods .


Input: What Auto Insurance Companies Offer Gap Insurance?

Output: It is a great idea to check with your Insurance Professional to see if the policy you have offers `` Gap '' coverage as an option . Many companies offer this and the coverage is very inexpensive . You may find that your company may also offer `` New Replacement '' for newer cars -LRB- usually within 3 model years -RRB- and something commonly refered to as `` Vehicle Value '' coverage for slightly older models . New Replacement ois pretty self explanatory , but Vehicle value means that if your car was `` totalled '' your insurance company would pay for a similar year , make and model with similar options at today 's market value .


Input: What Auto Insurance Companies Offer Gap Insurance?

Output: Most insurance companies offer this as an endorsement on to your auto policy . It is MUCH less then buying it from a dealership . Here in Montana the average rate for GAP coverage added to your auto policy is around 7.00 a month Check with your current auto policy and see if it is available


Input: How Much Is The Average Homeowners Insurance?

Output: Based on my own personal experience and within my geographic location , I would say that the average homeownoers insurance policy runs eight hundred to fifteen hundred dollars per year currently . Insurance policy and rates can be as unique as the person seeking coverage or the propety to be covered . Contact a local agent to get pricing for the coverage you are seeking .


Input: Does Homeowners Insurance Cover Workers?

Output: Yes , it will cover anyone hurt on your property if you are sued . That being said , you should make sure that anyone who does work on your property has there own insurance . A reputable contractor usually is covered by workman 's compensation if his employees are hurt while on the job .


Input: Why Do I Have To Pay The Medicare Levy?

Output: If you sign up late for Medicare Part B or Part D , or if your income is considered excessive , it is your patriotic duty to pay more so those who have less can enjoy the fruits of your hard work . This is all part of a grand wealth redistribution plan .


Input: Why Should Individuals Purchase Medigap Insurance Policies?

Output: That is a great question ! The reason they are needed is because there is a big gap between what Medicare pays for , and what you get billed for . The difference is almost a fifth of the total cost , and we all know that can add up quickly . The medigap plans help cover some of that gap , and often for services that medicare wont . I hope that helps , thanks for asking !


Input: Why Should Individuals Purchase Medigap Insurance Policies?

Output: Original Medicare -LRB- Parts A & B -RRB- only cover about 80 % of a senior 's health care expenses , leaving the insured responsible for the other 20 % . While 20 % does n't sound like a very big figure , it can add up to a nice big medical bill really fast . For example , if you had a procedure done that cost $ 10,000 and Medicare paid for 80 % -LRB- $ 8,000 -RRB- , you would be responsible for the other $ 2,000 of the bill - how many people can just get out their checkbook and write a check for that amount ? That number can be a lot higher too . The idea of a Medicare Supplement plan -LRB- also known as a Medigap Plan -RRB- is to cover the gaps in coverage that Medicare does n't pay for -LRB- e.g. that other 20 % -RRB- . You pay a monthly premium to get these gaps covered so you 're not hit with large bills . The resulting major advantage is it allows a senior to create a very controlled and predictable health care expense structure - and when you 're on a fixed income , this is vital . A plan F is the most comprehensive Medicare supplement plan available in the marketplace today - plans C , G , and N are very competitive as well . I hope the information is helpful - please feel free to contact me for help with your coverage , including plan quotes and comparisons , and any other questions you may have . Thanks very much .


Input: Can A Hospital Refuse To Bill Medicare?

Output: If a hospital accepts federal funding they are obligated to treat Medicare patients . They are also required to bill Medicare for any services rendered to Medicare patients . If the hospital accepts Medicare assignment , they are not allowed to balance bill Medicare approved charges . They are allowed to bill the patient for unpaid deductible and coinsurance as well as any Medicare denied service charges .


Input: Can You Get Life Insurance Without A Physical?

Output: Yes , getting life insurance without a physical can be a very good way to get life insurance , especially if you do not fit in the very best health class due to weight or minor health conditions . People sometimes opt to take an exam because the price looks like it will be less . But then after taking the exam , they are rated higher and the price ends up being more than what a No Exam policy would have cost . No Exam life insurance makes getting life insurance much quicker and easier and less stressful .


Input: Does Health Insurance Cover Orthodontics?

Output: Yes , I know , teeth are part of your body and so it is easy for some people to think that they are covered under health insurance . However , this is rarely the case , especially when it comes to orthodontics -LRB- which means braces for the teeth in most cases -RRB- . There are some narrow circumstances when medical necessity criteria for some oral surgeries or treatments would be covered by your major medical coverage -LRB- the patient is a Hemophiliac for example -RRB- but braces are unlikely to ever fall into even this rare category . In practical terms , if you want insurance coverage for orthodontia you will need to purchase a dental insurance policy that covers orthodontia . You should be aware that even dental insurance policies generally have a lifetime maximum benefit for orthodontia that places a limit on the amount the policy will pay for braces . A lifetime maximum benefit of $ 1000 is very common though there are policies with higher limits -LRB- e.g. - $ 2000 -RRB- . So , even when you have orthodontia coverage you can anticipate some fairly meaningful out-of-pocket expenses .


Input: Can You Withdraw From Your Retirement Plan?

Output: Can you withdraw from your retirement plan ? It 's actually going to depend on what your retirementplan actually is . In most cases a provision allows for withdrawals from a plan , though the retirement plan participant may incur a 10 % penalty from most plans for withdrawing funds . In some cases there may be more involved details . A retirement plan actually is one of the last places to visit when looking for funds . There are some pitfalls to borrowing or surrendering from your retirement plans .


Input: Why Is Car Insurance So Expensive For New Drivers?

Output: Car insurance rates are greatly determined by the age of drivers and the experience that these drivers have . Obviously , if you are a new driver , you will pay higher rates than more experienced drivers . Getting good grades will help your rate if you are a student , and maintain a B average .


Input: Can You Pay Car Insurance Late?

Output: Great question ! In most cases , insurance companies will give you what is called a `` grace period '' . That is a period of time , normally between 15-30 days -LRB- but call your agent to be certain about yours -RRB- that allows for late payments to be received or processed . Your coverage will end along with the grace period . In the event that you ca n't get a payment in to them before then , it may be possible to get your policy back , -LRB- reinstated -RRB- but you will have to pay for however much time has passed.Call your agent , explain your situation , and see if they can help you out . Good luck ! If you need help , please feel free to contact me . Thanks for asking !


Input: What Triggers Long Term Care Insurance?

Output: Tax Qualified -LRB- TQ -RRB- Long Term Care policies require that you are unable to perform 2 out of 6 Activities of Daily Living -LRB- ADL 's -RRB- without substantial assistance . The ADL 's listed do not include ambulating . There must be the expectation that you will be unable to regain the ability to perform those ADL 's independently within the next 90 days . OR you must need assistance due to a cognitive impairment that is expected to last over 90 days . TQ policies do not include `` medical necessity '' as a trigger . That means that a doctor 's opinion that you need long term care will not suffice to trigger the benefits . Each LTCI policy has its own triggers , so be sure to read them over carefully when selecting your policy .


Input: What Does POS Mean In Health Insurance?

Output: POS in health insurance refers to Point Of Service . It 's a type of plan that combines aspects of HMO and PPO plans without the cost of care depending on whether you receive your healthcare in network or out of network . I hope the information is helpful - please feel free to contact me for help or if you have any other questions . Thanks very much .


Input: Is Long Term Care Insurance A Good Investment?

Output: I do n't think it would be ethical for an agent to call Long Term Care -LRB- LTC -RRB- an investment . However , I think LTC may very well SAVE your other investments . In other words , if you need LTC but you do n't have a LTC policy , then the care you may need can very possibly eat through your investments and savings rather quickly , since a LTC claim can often last for 2 year or longer . LTC is generally considered to be an imporant part of any investment portfolio , but I would not call LTC an investment in of and by itself .


Input: Is Long Term Care Insurance A Good Investment?

Output: Long Term Care Insurance is not an investment at all . It is a morbidity insurance product to fund long term care expenses , generally a defensive planning tactic during retirement . If the question is along the lines of : Is long term care insurance money worth spending , then the answer is yes . If you dont have long term care , then your investments will be at risk to the expenditures of extended care during your senior years .


Input: Is Long Term Care Insurance A Good Investment?

Output: When you consider that paying for long term care can eat up a very large portion of one 's estate , if not all of it , long term care insurance can be considered a good investment . If there is a claim on the policy , the money that was paid in premiums will bring a big return . If there is no claim , it wo n't . That is the nature of most insurance , protection for future events that may or may not occur .


Input: Is Long Term Care Insurance A Good Investment?

Output: In retirement , human longevity is a huge risk . The longer we live , the odds become higher that we will need assisted or living and/or nursing home confinement . The costs for care are ever increasing , so it 's important to protect your retirement income from the economic eroding affects of long term care costs .


Input: Who Is The Biggest Health Insurance Company In The US?

Output: United Health Group -LRB- includes United Healthcare -RRB- is the biggest health insurance company in the United States and offer plans in every state . Wellpoint -LRB- includes Anthem -RRB- Kaiser , Aetna , Cigna , Coventry , and CareFirst are some of the other big name insurance companies in the country . However , not every company offers health plans in every state .


Input: How Much Does It Cost For Disability Insurance?

Output: The cost of disability insurance depends on many factors including your age , your occupation , your current health , where you live , the insurer that is offering coverage , and the type of benefits you are purchasing . Monthly rates could cost between $ 50 and $ 500 -LRB- or more -RRB- . Often this type of policy will cost between 4 % and 9 % of your income in premium payments . An experienced full-time broker is your best resource to help you find the best offers .


Input: How Much Does It Cost For Disability Insurance?

Output: Disability insurance is an excellent morbidity product that can help you protect your paycheck during periods of disability . There are two ways to purchase disability insurance that can cover 60 % of your compensation tax free or if you deduct it 80 % of your compensation taxable . If you in midlife and in good health , you should expect to pay 5-8 % of your compensation in premiums .


Input: Does Home Insurance Cover Wildfire?

Output: Home insurance covers fires with most carriers and the type of policy you have . Also it matters on how the fire was started lightning that started the forest on fire by your home or if the neighbor child lit fireworks and it caught the field on fire and your hope . Two different examples of fires one the home should be covered by your insurance the other could be paid by the person that started the other fire . I highly recommend you contact your agent and make sure you are properly covered and also make sure you home is clear of debris and brush to make sure that if a fire is heading your direction that you have a clean perimeter around the home . There are things that you can spray on your home that will prevent it from burning if you know a forest fire is on it 's wayAlso


Input: Does Home Insurance Cover Wildfire?

Output: Homeowner 's insurance covers many different claim situations including fire . In fact , fire costs insurers multi-millions of dollars each year . You should always purchase the most appropriate type of policy for your area . An experienced broker will not only shop major carriers but also review the best type of policy for your situation .


Input: Does Home Insurance Cover Wildfire?

Output: A standard modern Homeowners ' policy does provide coverage both for your home and personal belongings in the event they were lost or severely damaged by fire . Fire is a named covered peril in these policies and I have not seen one that makes any distiction between any type or scope of fire . It is always a good idea to talk to your Insurance Professional about the specific terms , conditions and limitations that are included in your particular policy in order to gain the most complete understanding of all of it 's provisions . If there are any gaps in coverage , they will also be able to advise you as to what options you have available to resolve those gaps .


Input: What Does Full Coverage Cover On Auto Insurance?

Output: That is a good question . `` Full Coverage '' is an insurance slang term-generally applied to Collision and Comprehensive coverage . I tell my staff to avoid using the term because many clients could get confused and believe they are covered for everything . My suggestion would be to reach out to your local independent agent to discuss the right liability options and physical damage options for you .


Input: What Does Full Coverage Cover On Auto Insurance?

Output: It simply means that you have both liability and collision / other collision deductibles , but full coverage is a nice term used by most car salespeople . You can have state minimum coverage and have what they call full coverage , but if you 're carrying state minimum coverage that will probably be an issue if you have more than a fender bender . The best thing to do is to contact a local independent agent and see what you need to protect . Based on studies , 75 % of all people are under insured on their auto and with 1 out of 6 people in the U.S. not having insurance , that is a deadly combination .


Input: What Does Full Coverage Cover On Auto Insurance?

Output: Full coverage on auto insurance covers the physical damage done to YOUR vehicle . Liability coverage only will cover claims brought against you in an accident . `` Full coverage '' has two parts , comprehensive coverage -LRB- if a tree falls on your car , or a hail storm does damage to your vehicle , basically most occurrences when you are not in the vehicle -RRB- , and collision coverage , which covers the physical damage done to your vehicle in an accident . You can choose to get comprehensive only , or comprehensive and collision , but not collision without comprehensive . Note : the deductibles for each can be different . You will typically save more money by raising your collision deductible compared to raising your comprehensive deductible .


Input: How Do I Cancel My Gerber Life Insurance?

Output: To cancel any life insurance policy you may call/mail as Peggy pointed out which you will probably have to fill out a form or write a statement of cancellation or especially if your paying monthly , you can stop making payments . Your policy will go into a Grace period of Lansing which shortly after your policy will be cancelled due to non payment . Be absolutely sure you want to cancel the insurance especially if your health is not good . You may have issues getting the insurance back .


Input: How Do I Cancel My Gerber Life Insurance?

Output: You can cancel your Gerber life insurance policy by contacting Gerber Life Insurance Company 's customer service center . They can be reached by phone at their toll free phone number of 1-800-704-2180 . Or you can mail them at Gerber Life Insurance Co , 445 State St , Michigan , 49412 to request the cancellation .


Input: Which Life Insurance Is Best Whole Or Term?

Output: That is a great question ! Both types of insurance have their plusses , and minuses . The term policy might be best for you if you are looking to insure against some form of debt , like a mortgage , that you want to be sure is paid off . It might also be the right policy for you if you are short on cash , but want coverage . The whole life policy may be the right policy for you if you are looking for the security of knowing that you are protected for the duration of your life , or if you want the security of knowing that you have a source of quick cash if you need it . In some cases , a mix of both might be the right answer for you . If you 'd like to discuss your specific need , contact me , and I 'll clear some time on my schedule for you . Thanks for asking !


Input: Which Life Insurance Is Best Whole Or Term?

Output: It depends on the need . Term insurance is ideal for short term protection -LRB- e.g. paying off a mortgage or providing income in the event of an early or unexpected death -RRB- . Permanent insurance is ideal for long-term safety net protection , estate planning , retirement planning . Many people buy both types of coverage - some permanent to protect against the future after other debts are paid off and some term to cover time-limited debts -LRB- such as a mortgage , car , etc. -RRB- . Term insurance provides more bang-for-your-buck up front , but it 's only for a short period . Permanent insurance allows you to pay the same premium for the rest of your life without having to worry about it going up in the future . A brief description of the two types of coverage are as follows : Term life insurance guarantees the premiums will remain fixed for a specific number of years -LRB- 10 , 15 , 20 , 25 , or 30 years -RRB- . Once the initial period of premium guarantee expires , the program changes to either annual renewable term insurance with premiums increasing each year -LRB- based on age -RRB- or the premiums remain the same and the death benefit decreases each year -LRB- this structure can be seen on term insurance that is featured on a universal life chassis . There is no cash value build-up in term insurance . Permanent life insurance is designed to provide coverage for the rest of the insured 's life and build cash value . Under a guaranteed universal life -LRB- GUL -RRB- program , the policy can be structured to keep premiums level and provide coverage up to a specified age -LRB- e.g. to age 90 , to age 100 , or even up to age 121 -RRB- under the `` dial down '' process . Whole life features level premiums and death benefits and builds cash value at a faster rate -LRB- participating WL policies may pay dividends that can be used to increase the death benefit or decrease the premiums over time - non-participating WL policies do not feature this ability -RRB- - the trade off between this and guaranteed universal life is that to increase the cash value faster , the premiums will generally be substantially higher . For both GUL and WL , the carrier takes back the cash value upon the death of the insured , and pays out the death benefit proceeds . Therefore , GUL policies allow you to maximize your death benefit and minimize your premium dollars that you pay for the coverage . I highly recommend consulting with an independent insurance agent/broker to determine what policy benefit structure will best serve your needs , review quotes , and help you through the application and underwriting processes . I hope the information is helpful - please feel free to contact me for help or if you have any other questions . Thanks very much .


Input: Does Life Insurance Test For Nicotine?

Output: Yes , life insurance does test for the byproduct of nicotine , called cotinine , in the urine and/or blood that is tested for a life insurance exam . Cotinine is a more reliable indicator of actually smoking a cigarette than nicotine is , as sometimes nicotine tests can detect second hand smoke . With tobacco such as cigar or pipe , a very few companies will disregard cotinine in the blood or urine as long as it it disclosed on the application and there has been no cigarette usage in the past few years . Other than that , the insured person who tests positive for nicotine/cotinine will be rated as a Smoker .


Input: Can Someone Contest A Life Insurance Policy?

Output: A carrier can contest a death claim during the two year contestability period , even beyond that period for fraud . Some beneficiaries have contested the change in beneficiaries , not only by the policy owner , but by those given power of attorney to act on behalf of the policy owner . There have been cases where the policy owners will is in conflict with the stated policy benefices , resulting the parties contesting each others rightful position .


Input: Is Medicare Coverage Enough?

Output: `` Enough '' is a relative term . Consider that Medicare pays about 80 % of hospital and outpatient claims , relying on Medicare alone might be a pricey gamble . You may not need a comprehensive Medigap plan F that covers all approved Medicare Part A and Part B claims but most people will want some assistance . For many , Medicare supplement plan G or N is a good alternative . For those on a tight budget or if you have ample savings , Medigap Hi F is a consideration .


Input: Is Medicare Coverage Enough?

Output: Medicare is inadequate to meet the needs of most participants . It was designed to provide a safety-net . Part A covers only hospitalization so participation in Part B is almost required for most participants . The level of coverage provide by part B is inadequate for most people so supplemental policies have been designed to meet those additional needs . There isnt any drug coverage outside the hospital in Medicare so Medicare Part D is available to offset the cost of medication . There is a significant exposure to the need for long term care and Medicare doesnt address that situation at all .


Input: When To Buy Permanent Life Insurance?

Output: When to buy permanent life insurance ? That is a good question . Some agents recommend buying permanent life insurance for every policy . Some financial consultants recommend never buying permanent life insurance . Both have some valid justifications , but both are rather extreme positions . In real life , with budget limitations , health risks , bear markets , and other considerations , it is hard for me to recommend only one option . Not everyone can afford all the life insurance they need in permanent coverage . Yet buying only term presents the risk of being unable to qualify for a new policy when the current one expires . Putting money in the stock market and savings plans should cover final expense needs , eliminating the need for permanent life insurance . But will those investments and savings be there when you die ? My recommendations are to buy Term insurance for temporary needs , and Permanent insurance for lifelong needs . Specifically , permanent insurance is best for final expense needs such as funeral , burial , paying off credit cards , and other costs associated with putting the deceased to rest . Permanent insurance is recommended if you want to use the policy proceeds to pay estate taxes , pass money to heirs , or bequeath money to a charity . If you use term insurance for any purpose that may find you `` outliving the term '' , you may find that you no longer qualify for a new policy , and that all your plans for your life insurance are moot .


Input: When To Buy Permanent Life Insurance?

Output: When to buy a permanent life insurance policy ? When you have a long need for coverage , say 20 + years ... When you want the features a permanent offers . At as early an age as possible to take advantage of lower costs and a longer growth window . When you want the lowest cost coverage over the longest period of time . When you want control of the policy you purchase .


Input: Does Homeowners Insurance Cover Hurricane Damage?

Output: Most homeowners policies do not have exclusions that would apply to the damage caused by a hurricane to the residence . If water enters the house through a normal door or window , coverage would be excluded . If a wall collapses and water enters the house , the personal property would be covered . There could be a restriction on the way that the loss of roofing material , art , stamps , money and jewelry is handled .


Input: Does Homeowners Insurance Cover Hurricane Damage?

Output: The very best thing to do is talk to your Insurance Professional about the specifioc terms and conditions of your policy . Different companies handle hurricane coverage in different ways depending upon your location and it 's proximity to coastal areas . Some companies , if approved by a state 's Insurance Department , may impose an additional deductible if your home is within a certain distance to the coast line , usually 2500-2600 ft or there abouts . These companies may require that a deductible that represents a certain percentage of the dwelling amount as oposed to the normal flat stated deductible . This obviously can make a big difference in your out of pocket expense should you suffer such a loss .


Input: Does Renters Insurance Cover Visitors?

Output: Renters insuance typically includes some liablility coverage for visitors to your premise that may be injured that you are deemed repsonsible for . Remember that every policy is different . Please read your policy completely to understand the coverage provided and any exclusions that may be contained within or contact your local agent to have them go over it with you .


Input: What Is The Difference Between Medigap Plan F And G?

Output: These two plans are nearly identical as there is only 1 difference between the benefits - coverage of the Medicare Part B deductible -LRB- $ 147 in 2014 -RRB- . Plan F is the most comprehensive plan as it covers all available Medigap benefits at 100 % from day 1 including the Part B deductible - Plan G does not cover the deductible and must be paid out-of-pocket . When comparing the two plans , you want to look at the price differential at the carrier -LRB- s -RRB- offering them at the lowest cost . If the difference in annualized premiums between plan F and plan G is more than $ 147 , than plan G will be the plan you should select - if it 's less than $ 147 , then you should select plan F. Please note , Medigap plans are standardized meaning the benefits are exactly the same regardless of which insurance company you buy your Medigap plan from . Every carrier has to pay the benefits the same way . If it 's your first time buying a Medigap plan or you already have one and want to lower your monthly premium , you should consult with an independent Medigap insurance broker who can shop the case for you among many companies to ensure you 're paying the lowest possible price for your plan . I hope the information is helpful - please feel free to contact me for help with your Medigap plan and if you have any other questions . Thanks very much .


Input: What Is The Difference Between Medigap Plan F And G?

Output: There are two differences : 1 -RRB- In Plan G , you have to pay the annual $ 147 Part B deductible yourself . Once it 's met , you are covered with the same benefits as Plan F. 2 -RRB- The only other difference is the price . Plan G is usually less expensive because you are paying the Part B deductible instead of the insurance company . Please let me know if I can be of further assistance . 1-888-411-1329


Input: What Is The Difference Between Medigap Plan F And G?

Output: Medigap Plan F and Plan G are the two most popular Medigap Plans on the market . There is only one difference in benefits but potentially could save you a lot of money . Plan G does not cover the Part B annual deductible which currently -LRB- 2014 -RRB- is $ 147 . However , in a lot of cases Plan G is considerably less expensive than Plan F . In addition , insurance carriers have had a history of having smaller premium increases over time on Plan G . It could be a good way to save money now but also save more money down the road with smaller increases in your premium . A good independent agent will be able to show you all the plans in your area and help you to determine if Plan G or Plan F is a good fit for you . They will also help you to find the carrier that has the lowest premium for the plan you want . I would be happy to answer any other Medigap questions you have .


Input: Does Car Insurance Cover Self Inflicted Damage?

Output: I am going to make the assumption that you are perhaps talking about you driving your car and unfortunately coming into contact with something that causes damage to your car . In that case , the damage would be covered under the Collision portion of your policy and subject to your deductible . I am hopeful that you are not talking about willfully damaging your car in some way because doing that and then attempting to file a claim with your insurance company might be considered insurance fraud which is a very serious crime . For that reason , . I am assuming you meant my first example .


Input: Does Car Insurance Cover Self Inflicted Damage?

Output: A typical insurance policy will contain an exclusion for any and all damage that is self inflicted damage to covered property . If insurance carriers paid out on claims where the damage to an insured item was self inflicted then they more than likely would not remain in business very long . Please remember every policy is different . Read your policy completely to understand the coverage provided and any exclusions that there may be or contact your local agent to have them go over the policy with you .


Input: Does AARP Recommend Long Term Care Insurance?

Output: The AARP Public Policy Institute wrote a fact sheet in 2012 about Long Term Care . That , like most of their writing on the subject , expresses how helpful Long Term Care Insurance is when the need for such care arises . It explains reasons why people do not buy it and what to look for when purchasing it .


Input: How Much Does A Renters Insurance Cost?

Output: Renters insurance cost can vary greatly depending on many factors . Some of those factors are : the amount of coverage thatyou are seeking , the geographic location of the premise to be covered , the amount of your deductible , your claims history , the distance of the nearest fire department and the distance of the nearest fire hydrant just to name a few . Contact a local agent to get a free quote for coverage in your area .


Input: Where Can I Get Homeowners Insurance With Bad Credit?

Output: You should contact a local property and casualty insurance agent in your local area . Every company has different underwriting criteria . Many do now consider credit scores as part of the underwriting process , and certain carries do not . A licensed , independent agent familiar with your local market would know which carriers might approve your policy .


Input: Where Can I Get Homeowners Insurance With Bad Credit?

Output: Although credit is amopng the underwriting tools that a company uses to evaluate a homeowners risk , there are others . Prior loss history , proximity to fire services , certain breeds of pets , amount of dwelling coverage required and alarm systems may also come into play in that evaluation . I have not seen a case where credit alone was a reason for acompany to deny coverage . I have seen many cases where one 's credit score did have an impact on the amount of premium charged , however .


Input: How Much Do Medigap Plans Cost?

Output: The cost of a Medigap Plan can vary based on several different things . What state you live in , age , smoking status and which plan will determine the monthly premium . One of the great things about Medigap Plans is it keeps your `` max out of pocket '' costs very low and makes it easier to budget a monthly premium rather than unexpected medical bills . To compare the exact cost of Medigap Plans in your area visit our website at SummitMedigap.com . You will be able to see plans from all the major carriers in less than a minute . You can also call us at 1-888-407-8664 .


Input: How Much Cash Value Would I Have In A Whole Life Of 10,000 Dollars?

Output: Honestly that depends totally on when you purchased the policy . If you started the contract 20 years ago , you would have more than if you had started it 10 years ago . And of course , ifyou bought it30 years ago , the cash value would be even more .


Input: How Much Cash Value Would I Have In A Whole Life Of 10,000 Dollars?

Output: The cash surrender value of your whole life insurance policy is contained in a table inside your life insurance policy . These tables vary by company . Some life insurance policies are participating and there might be additional funds available if you surrender a participating policy . Most of the time there are limited if any tax consequences when surrendering a policy .


Input: What Age Should I Buy Long Term Care Insurance?

Output: Most long term care advisers begin introducing extended care insurance concepts to their prospects and clients at age 50 . But most seniors begin to actually purchase long term care in their early 60s . However , younger people whose families has a predisposition to disease or nursing home confinement need to consider long term care while they 're healthy , even if it 's before age 50 .


Input: What Age Should I Buy Long Term Care Insurance?

Output: It is important to buy long term care insurance before you have a health condition that would disqualify you . If you have family members with Alzheimer 's or diabetes , if you are very overweight , or have other risk factors , you may want to get your policy at a younger age .


Input: Why Buy Long Term Care Insurance For Parents?

Output: The societal trend is for succeeding generations to take care of their parents . The economic burden generally falls on them . In our present culture , baby boomers have taken care of their parents with some purchasing an LTCi policy to indemnify or at least mitigate the cost of extended care to protect their own finances . It is a reasonable planning tactic to cover geriatric parents as part of your overall retirement strategy which may include parental care .


Input: Why Buy Long Term Care Insurance For Parents?

Output: The national average for a nursing home is currently $ 7,500 per month . That number can be higher in some parts of the country . That can total $ 270,000 for 3 years of care . With the cost of care continuing to rise people need to ask themselves if they do n't have a Long Term Care plan then what assets are they prepared to liquidate to pay for the care ? Your parents assets or your assets can go quickly without a Long Term Care plan . A good Long Term Care plan will have coverage for assisted living , home healthcare and a nursing home .


Input: Does Mercury Have Renters Insurance?

Output: Mercury does offer renters insurance in NY state . Currently they are limiting the number of newly written renters policies . Mercury also writes auto insurance . You may want to consider a package with them as they give a hefty discount on auto insurance for a renters policy . It can upwards of 5 % - potentially making your renters policy free .


Input: Does Mercury Have Renters Insurance?

Output: As an agent in California Mercury Insurance is one of the companies my agency represents . Mercury does in fact offer renters insurance for those that qualify . If you are interested I suggest you contact your local Mercury agent to discuss your needs and to help you obtain renters insurance .


Input: What Interest Rate Do Annuities Pay?

Output: Rates are always changing . Before purchasing an annuity for a guaranteed rate , always review the spreadsheets provided by big insurance brokerage annuity distributors to get a good feel for the market . Presently rates for a 5 year deferred annuity are around 2.75 % and ten years around 3.00 % . with recent Treasury rates rising , ten year rates may not be the best selection for an extra 25 basis points .


Input: What Is The Face Value Of A Life Insurance Policy?

Output: The face value of a life insurance policy is what the policy would pay in the event of the insured person 's death . In Term insurance , the face value is the amount that was put into effect when the policy was purchased . If Whole Life or Universal Life , it is the amount of the death benefit that was taken out minus any loans and interest charges , or minus any partial surrenders . You should order a current illustration to determine the exact face value of a permanent policy .


Input: What Is The Face Value Of A Life Insurance Policy?

Output: The face value of a life insurance policy is what the policy would pay in the event of the insured person 's death . In Term insurance , the face value is the amount that was put into effect when the policy was purchased . If Whole Life or Universal Life , it is the face amount minus any loans and interest charges , or minus any partial surrenders . You should order a current illustration to determine the exact face value of a permanent policy .


Input: Is Accidental Overdose Covered By Life Insurance?

Output: Only suicide is excluded and only for the first two years . So , if it is truly accidental , and not suicide , then it would also be covered even during the first two years . After than , even if intentional , it would still be covered . The fact that it might even be an illegal drug would not change things . Thank you . GARY LANE .


Input: Is Accidental Overdose Covered By Life Insurance?

Output: Yes , an accidental overdose is just that an accidental death . I would however expect a full investigation to rule out suicide if the policy is less than two years in force . If the coverage has been in place for more than two years , whether accidental or intentional the claim should be paid in a timely manner . Be sure to contact the insurance carrier and ask for a short death claim form and return it with a certified copy of the death certificate .


Input: Is Accidental Overdose Covered By Life Insurance?

Output: That is a great question ! The answer is yes , it is , unless the death is a result of overdosing on illegal narcotics , and your policy is one of those that state they do not pay for death resulting from the commission of a crime . They may also contest if the questions that ask about drug and alcohol use/abuse are deemed to have been falsified . In every other case , provided that the death occurred outside of the contestability period , there should be no issues . Thanks for asking !


Input: Does Health Insurance Cover Long Term Care?

Output: The Internal Revenue Service expand the tax code in 2005 when they added the Private Pension Act -LRB- PPA -RRB- to the tax code . This section of the tax code allows individuals to plan for Long Term Care using dollars perhaps they now have in Certificate of Deposits or in an Annuity product . In the case of the money invested in Certificate of deposits , fully taxable , the individual is allowed to use the tax code to invest into the PPA qualified and stop the taxation and if used to pay for qualified health care expenses in the future the dollars are never taxed . The beauty of this section of the tax code is it can be used for even health care costs received in your home . You may diagnosed in the future with a medical condition that requires you to travel to a specilized treatment facility -LRB- like Mayo Clinic -RRB- and you can pull the costs of that travel from the qualified PPA investment and it qualfies for the tax exemption


Input: Does Health Insurance Cover Long Term Care?

Output: Some health insurance plans will cover treatment in an ECF -LRB- extended care facility -RRB- . The general rule is you must be discharged directly to the ECF following a hospital admission , usually lasting 3 days or longer . Your ECF benefits are usually limited to 30 - 90 days as an inpatient . Not really what one would consider long term care but more short term care . Also your major medical plan may cover some home health care visits and private duty nursing .


Input: Does Health Insurance Cover Long Term Care?

Output: No , Health Insurance DOES NOT cover Long Term Care . Long Term Care needs to be covered through either Long Term Care Insurance , or a Unique Product offered by New York Life called Asset Preserver . New York Life can provide you with Long Term Care Insurance in an extremely large variety of personalized policies , or an Asset Protector which will provide you with Both Life Insurance and Long Term Care in one product . Please call me , Gary Lane , New York Life Agent , for the details that can fit your exact needs .


Input: Does Health Insurance Cover Long Term Care?

Output: No health insurance covers medical treatments to heal you . Long Term Care is just assisting you to do the activities of daily living such as feeding yourself , dressing , bathing , mobility , and going to the restroom . There is a whole separate category of insurance -LRB- it is in the health insurance group -RRB- called LTC or Long Term Care Insurance .


Input: What To Know Before Buying Long Term Care Insurance?

Output: Before buying long term care insurance , it is a good idea to look at the area in which you anticipate you will be living when you reach the age where long term care may be needed , and see what their average rates for assisted living and nursing home care run . Talk to your family and get their ideas on arrangements if that type of care was needed . Review your budget and determine how much you have to spend on long term care , and tell that to your agent when you start . An agent can save you a lot of time and frustration from looking at all kinds of bells and whistles that you can not afford , when they know your budget from the start . These are some things that will help your long term care search start off on a good foot .


Input: Who Sells Medicare Supplement Plan F?

Output: There are several insurance companies in Florida that sell Medigap Plan F. Medigap Plan F , in Florida , will result in a pretty high premium compared to other states in the country . But if you do n't want to be bothered with co-insurance , co-payments or deductibles , then Plan F will meet your benefit needs . As a licensed independent agent in Florida , I can share with you the companies and Plan F rates that are available .


Input: Who Sells Medicare Supplement Plan F?

Output: As far as I know , any carrier that offers Medicare supplement plans in your state will also include plan F. For a lot of reasons , Medigap plan F is the most popular plan sold -LRB- and purchased -RRB- . Every statistic I have seen shows Medicare supplement plan F participation in excess of 50 % and usually closer to 70 % . In other words , for every 100 Medicare supplement plans bought in a state , 50 - 70 are plan F . While F is the most popular plan , it does not mean it has the best value . Most of my Georgia Medicare supplement clients purchase plan G and enjoy saving $ 300 or more each year vs. what they were paying for plan F with another carrier .


Input: How Much Can Renters Insurance Cost?

Output: Renters insurance can be very affordable . The premiums for renter 's insurance normally range between $ 100 and $ 300 depending on the limits selected for your particular policy and location of the residence . Renters insurance policies are much more affordable than a regular homeowners policy , because you are only covering the contents of the residence instead of the actual dwelling itself .


Input: How Much Can Renters Insurance Cost?

Output: The cost does depend on the area you live in and there are some companies that do consider your payment history in the pricing . Insurance companies give better rates for better credit many times . In Texas we see the same rates as Drew Overman shared $ 100 - $ 300 for the entire year . This covers your belongings for theft , fire or if water damage to your belongings is caused perhaps from someone living above you . It does not cover your belongings in case of a flood-you need flood insurance for that .


Input: How To Buy Renters Insurance?

Output: The best thing to do is to find a local insurance agent , give them a call , and ask for a renters quote . When you speak to an agent , they 'll make sure that you get the right type/amount of insurance that you need . You can find a local agent by going online and searching for an agent in your area , or you can use the good old phone book .


Input: What Are Disability Insurance Coverage Characteristics?

Output: The important factors that will play a large role in both the cost of a DI policy and how meaningful the benefit will be to a individual are ; The benefit amount , the elimination period , the duration of the benefit period , and the way in which the policy defines a disability . The benefit amount , the recurring monthly income your disability policy pays you while you are injured , represents the most important aspect of the coverage . Laws in most states limit disability insurance benefits to two-thirds of your current gross income . While most people select the maximum available benefit , you can choose lower amounts if your personal cash reserves are sufficient to supplement disability income payments . After you meet the criteria and are eligible to begin receiving income from your disability insurance policy , the length of time you must wait before payments begin is called the elimination period . Most major insurance carriers offer the same standard elimination periods ranging from one month to one year . Longer periods result in lower policy premiums . Once you begin receiving payments from your disability policy , they will continue until you are no longer disabled or your benefits have been exhausted . Disability insurance policies with maximum benefit periods of two years or less are classified as short-term disability products . If you own a short-term policy , payments will continue every month but will cease after two consecutive years . Policies with maximum benefit periods beyond two years are classified as long-term disability products . The most common benefit period choices for long-term policies are three years , five years , ten years or until age 65 . Every insurance company has its own formal definition of a disability , and benefit payments will not start unless your status falls within these guidelines . Some companies define disability as an inability to perform any gainful income-producing work at all . Collecting benefits under policies purchased from these carriers often presents a significant challenge . Thankfully , a large percentage of carriers consider you disabled if you are unable to perform the substantial duties of your own current employment position , a policy feature commonly referred to as `` own occupation . '' If your injury prevents you from adequately fulfilling the requirements of your current job , you are eligible to begin collecting benefits after the expiry of the elimination period .


Input: What Are Disability Insurance Coverage Characteristics?

Output: Some Disability Insurance coverage characteristics are elimination period -LRB- how long you must be disabled before the policy will pay a benefit -RRB- , length of coverage -LRB- how many years it will pay out -RRB- , percent of income replacement -LRB- dollar value of the policy payments -RRB- , and features that determine benefit triggers , amount , and duration . E.g. . An important policy consideration is whether to pay for the `` own occupation '' feature , which will allow you to collect at least a partial benefit if you are unable to perform your OWN job , as opposed to being able to work at ANY job .


Input: Can You Get Life Insurance If You Have Multiple Sclerosis?

Output: Yes , most people can get life insurance while having Multiple Sclerosis . As you know , there is such a wide range of symptoms , from virtually having no impairments , to having to be confined to bed . So the type of life insurance you can get with MS depends on your own situation . If you have relapsing remitting MS and are still able to work full time , you should be able to get a medically underwritten policy at a reasonable price . If you are at the other extreme of needing assistance with ADL 's , you can get guaranteed issue life insurance if you fit those age guidelines . It is important to use a life insurance agent that understands multiple sclerosis underwriting , and carries a wide range of products , to get your most affordable MS life insurance .


Input: What Is The Donut Hole In Relation To Medicare D?

Output: The donut hole -LRB- doughnut hole -RRB- is the risk sharing portion in Medicare Part D. Medicare beneficiaries with Part D coverage will reach the donut hole in 2014 when their combined drug costs for covered drugs hits $ 2,850 . When you reach the donut hole you pay a little over half -LRB- 52.5 % -RRB- the cost of your brand name meds and 72 % of generics .


Input: How Can I Sell My Life Insurance Policy?

Output: Video Transcript : Today 's question is , Can I sell my life insurance policy ? Well , number one , a life insurance policy is personal property . Could you sell it ? I think you can , usually through the life settlement market . But keep in mind that the original reason that you sold the life insurance was not to sell it for that specific purpose and most carriers and life insurance companies are going to take a dim view on you trying to buy insurance for just the purpose of selling it . But if the reason you bought life insurance does n't exist any longer , you could go ahead and sell it on the secondary market of life insurance settlement , and you can sell it for cash . Generally , a cash value contract is going to get a little bit more than what you have in your policy ; sometimes a lot more , depending upon the death benefit and your timeline . Can you sell it ? You could sell it and again , I recommend make sure that you 're doing this for the right reasons . And make sure that your coverage is no longer necessary .


Input: How Can I Sell My Life Insurance Policy?

Output: Viaticals , or life settlements , are the vehicles by which persons can sell their life insurance policies . However , the type of life insurance policy that can be sold is extremely limited . The policy nearly always has to have cash value , and the health of the insured person must be poor enough that those purchasing the policy , expect them to die within a short period of time , so that they can cash in on it . If you are in poor health and have a life insurance policy that you can no longer afford to pay for , you might ask your children if they would pitch in to pay the premiums . Then make them at least partial beneficiaries . If you need cash , you might be able to borrow from the cash value . Some policies even have `` living benefits '' where you can take part of the insurance proceeds in cash if you become critically , chronically , or terminally ill . Selling your life insurance policy should be a last resort . But if you do , be sure to deal with a reputable life settlement company .


Input: Does Renters Insurance Cover Food From Power Outage?

Output: -- > Normal 0 In the spirit of every reasonable insurance question is deserving of an answer , I submit . Tenant Homeowner or Renters policies cover damage to your personal property and food certainly would be considered Personal Property . As long as the power outage was caused by one of the named perils in your policy -LRB- fire , lightning , wind , vehicle damage , etc. -RRB- and it occurred on your premises , you may have a valid claim for food spoiled as a result of a power outage . But if the power outage was caused by something that occurred away from your residence , most Renters policies specifically exclude that type of loss unless the power outage then causes covered damage to your residence . Remember however , most Renters policies have a deductible of $ 250 or more so make sure you take that into consideration . Add to that the effect submitting a small claim , one less than $ 1000 , could have on your future premium or the willingness of your insurance company to renew your coverage . It may be a good idea to pass on submitting this type of claim even though you may have some coverage . In addition , most policies require you to take reasonable steps to preserve your property following a loss . Make sure you have done what you can to prevent your food from spoiling following a power outage . Some policies include a number of additional coverages , often an effort to make one companys policy appear more attractive than another . These additional coverages provide nominal amounts of insurance covering specific loss situations such as key replacement or food spoilage . Here again , you may be tempted to submit a claim because you have coverage but consider the impact a claim might have on future premiums and renewal terms . You may be better served to simply replace the food . When an event like this occurs , try to recall why you purchased insurance in the first place . More than likely , it wasnt to reimburse you if the food in your refrigerator went bad .


Input: When Is Medicare The Primary Payer?

Output: If your only health insurance plan is Medicare , then Medicare is primary . When you have a Medicare supplement plan , Medicare is primary and your Medigap plan is secondary . If you have coverage under an employer group health insurance plan , and the employer has fewer than 20 employees , Medicare is primary . If there are 20 or more employees , the group plan is primary and Medicare is secondary .


Input: Does Renters Insurance Cover Personal Injury?

Output: It can cover for personal injury , but that would have to be specifically added to the basic coverage . Be sure to talk with your Insurance Professional about your particular policy to see if such coverage is available . Assuming that it is , the extra minimal premiu would be well worth it these days . Considering the amount of electronic communication we do and the wide use of social media , having personal injury protection is , in my opinion , a must .


Input: Will Homeowners Insurance Cover Wind Damage To Roof?

Output: Many insurers include amendments to the standard form . The standard form might include damage from windstorm . Your policy might be a replacement policy . The amendment that you might find in the rear of the policy changes that . It probably says that the company will only use actual cash value to settle a loss involving the surface of the roof . This is actually reasonable as roofs do not last as long as the rest of the house . A 20 year roof could have damage after 10 years and the company depreciates the roof and will make an adjustment that makes you whole . It wont pay for a new roof in most circumstances .


Input: Where Can I Get Renters Insurance Online?

Output: You can just enter , `` insurance '' into a browser and you will be besieged by people wanting to sell their product on line . For the same price you can sit down with a qualified insurance agent . The agent will listen to you , provide solid financial advice and communicate clearly with you and the company . I think you will be much happier with the agent .


Input: When Does Health Insurance Coverage End When You Leave A Job?

Output: Group coverage ends a month after your employment terminates . You have the option to go on COBRA for up to 18 months . When you go on COBRA , you have the same coverage as you had before - the drawback is you 're paying 102 % of the premium -LRB- meaning you 're paying your portion , the employer portion , plus an additional 2 % in premiums -RRB- . Under the Affordable Care Act , the loss of other group coverage can grant you a special enrollment period -LRB- a window to purchase a health plan outside of the annual enrollment period -RRB- to apply for a new plan . The metal plans in the marketplace can offer competitive premium and benefits compared to the premiums for going on COBRA . The advantage of an individual plan is that it goes with you regardless of who the employer is . With group coverage , the premiums can be less , but you lose the coverage if you leave the company . If you have any questions about health insurance or would like help with your coverage , send me a message by clicking on the `` contact me '' button . You can also visit my website , TermInsuranceBrokers.com , for additional information regarding health plans .