imsumit18/insurance_training_data huggingface dataset:
You can find stripped down Renters Insurance policies for as little as $50.00 per year from any local agent if you have good credit. Most people spend about $150.00 per year on Renters Insurance as they find value in some of the optional endorsements, such as personal property replacement cost (which allows you to buy new items without a deduction for depreciation if you have a claim). Most of my customers add identity theft insurance to their policies so they can file a claim if they are the victim of identity theft. It will help restore incorrect info and pay attorney fees and some time off of work. In short, a basic policy won't cost much, but for a few extra dollars per month you can get much better coverage. What state are you in? I may be able to help you. Send me an email!
You can buy health insurance from an experienced broker and their website (perhaps your best option) or the .gov website, where you may talk to a newly-hired and inexperienced worker. It's important to understand all of your options, get a federal subsidy if you deserve it, and speak to an unbiased expert in the field. That's why we can help you best! The Obamacare subsidy is available during Open Enrollment and through specific exceptions. However, there are affordable options available if you miss Open Enrollment.
That is a great question! The best reason to have renter's insurance is that they pay to replace the things that you have that become stolen or destroyed. Most of us do not have that kind of money. Another is that if your apartment was unlivable due to damage, the policy often covers your stay at a hotel until adequate repairs have been made. The last, and probably best benefit is that it is one less thing to have to worry about. I hope that helps, thanks for asking!
It depends on your policy and the circumstances. Rental is something you can add to your auto policy. It is designed to provide you with a rental car if you are involved in an at fault accident. If the accident is the fault of the other driver then generally his insurance would cover the rental. Keep in mind insurance laws differ in many states. Some states are what is called no-fault. This means that neither driver is considered at fault in the event of an accident and each drivers insurance would pay for their own insured. Check with you agent to make sure of the laws in your state.
Whether whole life is a good investment or not depends on how you define a good investment. That being said, it can be a good investment when you look at it closely. Life insurance creates cash at death and whole life is designed to be in force when you die, not if you die within a specified term From an estate planning point of view, that is a good thing, If you need insurance coverage, then the tax advantaged growth of a participating whole life policy can be attractive from a wealth accumulation point of view.The funds can, among other things, be used to supplement retirement income. If you have further questions, or feel that I could be of assistance, please do not hesitate to contact me. If you would like to work with a local life insurance broker, you could start with a Google search. For example, if you search for: life insurance broker Halifax or life insurance agent Halifax, my name, along with several others, will come up. You can use the same method to find a life insurance broker in your community.
AARP auto insurance is a program written through The Hartford. Only the Hartford can offer the AARP discount to both home and auto insurance. I personally have the Hartford AARP, not just because the rates are competitive but because the coverage's offered by the Hartford are excellent and are among the best and broadest in the industry.
UMPD covers damage to your vehicle if it is in an accident caused by another party hit you and is at fault. Unfortunately UMPD does not cover the theft of a vehicle. You would of had to carry comprehensive coverage to cover the theft of your vehicle
There is a great deal of public information available on the internet about most homes in most locations. At a minimum we would need to know the address of the property. To prepare a quote we would need to know your general description of the home and determine if there were any pets, or trampolines on the property. We would need to know if there were any wood-burning devices inside the home. We would need to know if there had been any claims in the past three years on the property or by the proposed insured. The quote we could give you would not be a guaranteed price as that is done after full underwriting takes place but it is usually quite close.
If you are asking what helps keep your auto insurance rates lower, then there are many factors that can help with this. A clean driving record would be the first - no tickets and no accidents. A high credit score would be another. If you are a student a 3.50 gpa or above will typically get you a discount. A married person will typically have lower rates than a single person. There are many other factors can come into play here also, but these are some of the most prominent ones.
Medicare Region C includes the states Alabama, Arkansas, Colorado, Florida, Georgia, Louisiana, Mississippi, New Mexico, North Carolina, Oklahoma, South Carolina, Tennessee, Texas, Virginia, West Virginia, Puerto Rico and the US Virgin Islands. This and other regions are designated for the purpose of supplying Durable Medical Equipment (DME) for Medicare.
I hope I understand your question correctly. I'm assuming you're asking if an insurance company getting your insurance score will show up on your credit report and affect your credit score. In general, no. I can only speak for my own state of Michigan but I'm pretty sure other states work the same way. An insurance score is different from a credit score. There are many different models to calculate an insurance score and different companies will use different models. When an insurance company orders an insurance score it won't affect your credit score like applying for a loan will. If it shows up at all, it will show up as an insurance score and won't be used to calculate your credit score. So, don't be worried if your agent asks for information to order an insurance score. It's usually one of the largest discounts that a company will offer.
You will receive a final letter when the claim is finally closed. What it sounds like is you carried low limits of liability and property damage and didn't have enough insurance to cover all the damages you are responsible for. At this point Geico will pay out to your limit and the other parties polices should pick up the gap under their under-insured motorist. (if the other parties had uninsured motorist coverage) It is possible the other parties insurance companies may come back after you personally for the gap or they may just write it off. Or if the other parties did not have coverage under their own insurance they could also come back after you as well. You will have to wait and see. Usually in these situations it takes a little while to figure out who is paying who so give it time. You will be notified.
It is not free, but generally doesn't cost very much. The plans vary by state and each plan covers different prescriptions in different ways. I always recommend, go to WEBSITELINK - choose the "Drug Coverage (Part D)" tab, then choose "find health and drug plans". This site is run by medicare and you can input what prescriptions you are on and it will show you all of the plans available to you and what your overall out of pocket cost will be, including premium, deductibles, and co-pays for all of the plans available to you. You can even specify a pharmacy you want to work with to make sure they will accept the plan you choose. If you take a couple of generic drugs you plan might cost $15 -$25 per month. If you are very expensive drugs then you might want to spend more in premium to save in overall out of pocket costs.
I was not able to find a General Life Insurance Company. I did find General American Life Insurance which has been bought by Metlife Insurance. Metlife is a good strong company to work with. I would however recommend comparing rates for the type of insurance you are looking for as they will have different features.
That is a great question! Every state requires an agent that wishes to do business in their State to be licensed, so the answer is yes. You can be licensed in several States, but you have to do them individually, and pay the requisite fees for each. Some may require testing, others won't. I hope that helps, thanks for asking!
When you apply to buy insurance, most insurance companies will take your credit into consideration. It is considered a "soft hit". It will show up on your credit history that there was an inquiry, it doesn't change or effect your credit. So whatever your credit score was before you apply for insurance is what it will be after applying. To my knowledge, California is one of the states that mandates insurance companies not take a person's credit history into consideration when rating the premium. You can check with an insurance agent or broker licensed in your state to see if your state as the same rules.
Renters insurance covers your personal property and bike is consider personal property. For examble you have a nice high end bike that cost $1500 it get stolen at the store you must call your insurance compay and file a claim they will deduct your dedutable from the pay out. Good Luck
Allianz Life Insurance Company of North America is a major player in life insurance and annuities in the U.S. and globally. Rating services: S&P AA, Moodys A and insurance industry A.M. Best A. Allianz is over 115 years old with over 112 billion in assets with a conservative long term investment posture in their portfolio.
As a rule no, you can enroll in Part D when you first become eligible, during the Anual Election Period, or if you have a Special qualifying event such as losing your group coverage or the plan pulls out of the area, or you move out of the service area. If you qualify for Extra Help with your drugs from Medicare or if you are also on Medicaid you can swithch whenever you want.
The length of time needed for a term life insurance actually depends on the reason the policy was purchased. If the policy was purchased to insure a debt and the debt is repaid, then the policy may need to be cancelled. If the policy was purchased to replace income and the need is still present, then the policy should be left in force or reviewed to be changed if need be,
The face value of life insurance is the original amount of coverage purchased. In term insurance, this is usually the same as what is paid out at death of the Insured. In permanent insurance, the death benefit may be higher or lower than the original face value, due to loans taken from the policy, or due to earnings within the policy that caused the death benefit to grow.
Critical illness is recommended for those who would have difficulty paying their out of pocket expenses in the event of a severe health impairment. A good major medical policy will cover most of your health care bills but there are still copay's, deductibles and coinsurance that leave you with thousands in out of pocket unpaid bills.
The obvious answer is your lifetime. The whole life policy is actually an endowment policy and does have a maturity date (100-120.) If you reach that age the company will no longer require premium payments. Permanent insurance has tremendous flexibility and if you want to quit paying at some specific age, a current policy can become paid-up for a reduced face amount.
Depending on your state and the area you live in. There many things that can affect your rates. In Montana your sex makes no difference but in some states males pay more then females Be careful when shopping online make sure that they are licensed in your state and it is recommended that you also have un insured and under insured for nearly pennies a day it covers your hospital bill when someone hits you and has no insurance. A Local agent can help you with all your insurance questions
A rated health insurance plan is one that includes a premium surcharge or load. The standard or preferred rate is insufficient to support the risk presented by the individual applying for health insurance. In some cases the surcharge is temporary while some conditions may result in a permanent load. Examples of a temporary load include tobacco use or excessive weight. Once the individual has stopped using tobacco products for a designated time period, or weight loss has been achieved and maintained, the premium loads may be removed.
No, under normal circumstances sewer repair would not be covered by your homeowners insurance policy. Remember every policy is different. Please read your policy completely to understand the coverage provided and any exclusions that there may be or contact your local agent to have them go over the policy with you.
Tenants policies are priced by the amount of coverage for personal property and the limit of liability. There are other factors that affect the price but many companies will issue a renters policy for less than $10 per month. The most overlooked benefit of a renters policy is liability coverage. Liability is where you could have a paralyzing loss.
Critical Illness Insurance covers specified major illnesses. Typically, it pays a lump sum (sometimes different) payment to the insured. The first Critical Illness policy was issued in 1983 in South Africa. They have grown in popularity since that time. A full-time broker (not a part-timer, a media person or someone not fully-licensed) will be your best resource for quotes and information.
Many insurers utilize credit scores when determining the auto insurance rate a customer will pay. The reason is that often, there is a direct correlation and relationship with bad credit and higher incidence of accidents. Although the discount or surcharge may not be large, it is till worthwhile to be aware of your current credit rating and take steps to monitor and improve it.
I would suggest finding yourself a local agent that you are comfortable working with. This person will typically be your first and last point of contact should you have any concerns about your coverage or claims. They will be the person that will help you purchase the coverages that you need to protect you and your family.
Procrastination has economic ramifications. But saving something is better than nothing. Here's a few thoughts that can help if you start today.You need to plan on working until you are age 70 and not taking distributions of Social Security or any qualified retirement plans you use now. Social Security distributions are maximized at age 70 and qualified plans require minimum distributions at 70 1/2. So age 70 is the new retirement benchmark, especially if you're late to the game.
There are employer sponsored qualified plans that may be in place that cover, or more accurately, offer employee participation like a the popular defined contribution plan called a 401(k) under The Employment Retirement Income Security act of 1974 or ERISA. Being covered under a 401(k) may include a employer contribution match.
It will depend on how the divorce is structured. As an Insurance Agent and not an attorney I won't attempt to tell you what the laws says regarding divorce. What I will offer is some suggestions as to what could happen; 1) Nothing - present insurance in force prior to a divorce does not change because of the divorce 2) Judge assigns insurance policy - a judge could order that the beneficiary for the policy be changed to support a divorcing spouse or children. He could also issue instructions as to how the cash value of a policy is to be distributed. I would consult an attorney for a more detailed answer.
Yes, one person can have two or more life insurance policies. Many people buy a variety of policies because different types of products best meet different types of needs, or simply because they want to diversify the companies with whom their life insurance is with. Insurance companies do not mind how many policies you have, as long as you can qualify for them financially.
Many life insurance experts recommend about 6 to 8 times your annual salary for the amount of term life insurance that you may need; however, the figure will depend on your financial needs and goals. You have to factor in that mortgage, education expenses for children...basically whatever your family will need to survive and thrive when you're gone. Of course, since term life insurance is for a specific period of time, you will need to calculate how long you need this certain amount of money as well.
Great question. Often clients are afraid to ask I think they believe is it expensive but actually its relatively inexpensive. Typically if you insure two vehicles with a company the discount you gain by having a second policy on your auto insurance will if not cover the cost of a renters policy it will be close! So the average cost is 60-120 dollars a year. So for ten dollars or less you have coverage for your phone, computers, books, clothes, medications, cd's, movies, art, guns or whatever else you own! Ten dollars a month is very inexpensive, also these are covered anywhere in the world!
At this point in time within the United States the cost of your health insurance coverage purchased thru an employer can vary greatly depending on the carrier, the coveragesprovided, the number of people enrolled in the plan, and the health histories of the participants. Many employers demand that the carrier they work with allow thier employees more than one option when it comes to the plans offered.
It depends on the amount applied for and the applicant's age. The older the applicant, the smaller the amount applied for that triggers the requirement for a blood profile. Along with a blood draw, a urine specimen may be a part of the underwriting requirement. The insurance company usually pays for the test.
It is best to look at the open enrollment period for the smoothest transition. However there may come a time when you just cannot continue to have the coverage and need to make a change. These plans are not intended for members to jump into and out of them but there is always an option to get out and return to a traditional medicare plan. You would have an option of looking into a supplement as well. The best way to deal with this situation is to speak with an agent that understands Medicare and its rules.
It's very important to plan for retirement. You need to pay yourself first, which is exactly what retirement planning is. Paying your self today will determine how you live tomorrow.
AAA Home insurance, like all other major carriers, covers a wide variety of claims, including fire, theft, vandalism, and many other items. However, there are numerous types of policies offered, so it is best to determine the type of policy you have to accurately understand all of the benefits. An experienced broker can help.
One can certainly make the beneficiary their estate. I do not recommend it. The proceeds can be tied up in a probate and in some cases taxed along with assets. It is much cleaner and beneficial to name a beneficiary versus leaving it to an estate. Always seek the advise of a good estate planning attorney in your state.
A tummy tuck will be covered under your health insurance plan as long as it is considered (and coded) as medically necessary by your attending physician. Often times this is considered an elective procedure and won't be covered. It's vital to contact your carrier prior to the procedure to find out how (if at all) they will cover the surgery. The best place to start is to call the benefits verification or pre-certification phone number on the back of your insurance cards.
Group universal life is similar to individual universal life. Group policies involve the plan sponsor, often an employer, holding the master policy while the individual participants receive a certificate of insurance. It is a convenient and voluntary way to acquire cash value life insurance through the workplace. Usually the employee pays all premiums in which case all benefits would be immediately and fully vested. At employment termination portability features in these products generally allow for coverage to be taken by the participant as an individual policy.
Most people who are self employed need to pick up an individual policy. This would be considered a self employed health insurance policy. There is no set difference or requirements between a person who is employed and has to pick up his own insurance or a self employed person. There could be a difference as far as tax being deductible since a self employed person will usually file a Schedule C. An HSA qualified plan is a great way to purchase health insurance if you are self employed due to the tax advantages. Ask your tax adviser.
You can buy life insurance on other people if there is an insurable interest and the other person is willing to sign the application as the insured. An insurable interest means that the policy owner or beneficiary must stand to suffer a direct financial loss if the insured passes. Examples of this are spouses, business partners and children/parents.
That is a great question! It isn't a Federal law, but it is in most States, Counties, and Cities. The damage and expense of uninsured motorists is something no one wants, so it is pretty much everywhere that you will find a law about having insurance if you want to drive. The penalties for driving uninsured are very high, and it is so much more worth it to spend the money on the policy. Please do not consider hitting the road without it. Thanks for asking!
That is a great question! Whole life policies start to accumulate a cash value after the first couple of years the policy is in force. Over time, this cash value can grow to be a fairly substantial amount of money. In the event that you needed some quick cash, you can borrow from this fund, pretty much no questions asked. To do this, you just contact your agent, and ask if your cash value is great enough to cover what you want to borrow. I suggest this, because the amount borrowed can be enough over time with interest to cause your policy to become insolvent, and you are left without insurance. Your agent can help determine how much you can safely borrow (especially if you aren't really planning to repay it). They will write you a check, and you now have tax free cash in your hands to use as it's needed. Bear in mind that your death benefit will be reduced by however much your loan with interest is at the time you pass; and that if the interest on the loan exceeds a certain amount, the company will cancel your policy. But it is still the best way to get quick cash without any credit hassles. I hope that helps, thanks for asking!
Walmart does accept Medicare Part B. Qualified Medicare recipients can purchase durable medical equipment, medical supplies, and other items covered by Medicare Part B in the Walmart pharmacy area. Walmart also is a participating provider in most Medicare Part D plans, and you can purchase drugs covered under Medicare Part D in a Walmart pharmacy.
Good question, there are different situations that will allow you to get cash on a life insurance policy. One situation in particular is with a whole life policy. Since it builds cash value as it grows older, you can borrow money from it when you need it.
Most people get Short Term Disability Insurance through their employer in the form of a group plan. Sometimes the employer pays the premiums, sometimes the employee pays the premiums, and sometimes they share the costs. If your place of business does not offer Short Term Disability Insurance, you can purchase it through an independent agent in an individual plan. I would be happy to assist you, if you'd like.
You will have to buy a health insurance plan by January 1st 2014 or pay taxes that are a part of the Affordable Care Act (aka: ObamaCare). In order for guaranteed issue Heath insurance to work, the must require everyone to buy it or else everyone who is healthy would just wait until they were sick to buy it.