Input: Can You Get California Life Insurance Quotes Online?

Output: The internet has dramatically changed the way people shop for life insurance , period . Finding quotes online for California or any State are pretty easy . Find a website with a life insurance quote engine and begin your quotes , keep in mind that most quotes online are just estimates you could be better off speaking with a live independent broker . Make sure to speak with a broker because he or she will shop many different companies to get you the best price and policy possible . With some technology to day online you can get quotes and buy a policy within minute 's right from your home or office if you qualify .


Input: Can You Get California Life Insurance Quotes Online?

Output: California life insurance quotes can be found online through life insurance websites that have a quote engine that you can use -LRB- most do -RRB- . If you want to compare multiple companies at the same time , I would recommend using the quote engine from a life insurance broker website -LRB- brokers are insurance agents who can quote and sell products from multiple companies -RRB- . The quote engines will typically request a few pieces of data such as your name , date of birth , height/weight profile , any prescriptions you take or medical conditions you 're being treated for , the state you live in , and the amount and length of coverage to quote . Once you hit submit , an instant quote will be generated for you to review and an agent will likely follow-up with you shortly . Please note , an instant quote is , in short , just a rough estimate . The risk classification you qualify for is the MOST important factor in creating a quote because it 's what determines the premiums for the desired coverage -LRB- e.g. being approved for a standard risk class vs. a preferred plus risk class will result in very different numbers -RRB- . If you are being treated for any medical conditions or take a number of prescriptions , you will get a much more accurate response by consulting with an insurance broker.who can shop the case for you . Buying life insurance can be a very strenuous and time consuming task when you try to do it on your own . We do not charge any fees for our services , so you can only help yourself by talking with a broker . I hope the information is helpful - please feel free to contact me for help and if you have any other questions . Thanks very much .


Input: Can You Get California Life Insurance Quotes Online?

Output: That is a great question ! Yes , you absolutely can , BUT I really do n't recommend that you put a ton of weight behind them , and here 's why : Quote engines are designed to give you a very simplified and cheap rate . When you actually start going through the application with the faceless person on the other end of the phone , you very often find that your actual rate is quite different than the initial quote . -LRB- Kind of like those TV advertised policies -RRB- Please find an experienced local agent who can look at several policies with you and help you find one that is best for you . Whatever you do , do not fill out multiple applications ! The insurance company will red flag you , and you will have a much harder time . For more details , please feel free to contact me , I 'd be happy to set some time aside to talk to you privately . Thank you for asking !


Input: Can You Get California Life Insurance Quotes Online?

Output: California Life Insurance quotes online are the nearly always same as quotes from the other states , so to get California Life Insurance quotes online , you can use any of the quote engines that are available on websites selling life insurance . Just fill out your sex , date of birth , height , weight , and health history ; then input the face amount and term length of the policy you want . If an instant quote is provided , you will see it right away , or an agent may call you with your quote .


Input: Can You Get California Life Insurance Quotes Online?

Output: Yes , you can get quotes online by going to a Life Insurance Company 's website . It 's a very quick process . If you are interested in a particular quote you will have to talk to their agent and sign an application . The downside of going to a particular company 's website is that the insurance company can only give you one company 's quotes . If you talk to a broker , he/she can take your information once and provide quotes from tens of companies .


Input: How Does Private Disability Insurance Affect Social Security Disability?

Output: You can get up to a total of 80 % of your income through a combination of private Disability Insurance and Social Security Disability benefits . If the amount that you are due exceeds 80 % , part of the Social Security benefit will be subtracted from the private Disability benefit , or part of the private Disability benefit will be subtracted from the Social Security Disability benefit , so that the total you receive is 80 % of your original wages .


Input: Does Renters Insurance Cover Damage To My Car?

Output: That is a great question ! Unfortunately , the answer not so much ... In almost every case , the renters policy will only cover the contents of the apartment , and not apply to other areas , like your car , or your health , if you get sick . Those things need policies of their own , so in the case of your car , that would be a claim for your auto insurance , not your renters . Same with your health , you would need to have a health insurance policy to cover your illness . Call your auto agent , -LRB- assuming the damage is more than your deductible -RRB- and file a claim there . Thanks for asking !


Input: Does Renters Insurance Cover Damage To My Car?

Output: in a word , no it does n't . You will find that typically any form of residential property policy , be it Renters , Condo Unit Owners or Homeowners ' , excludes coverage for motor vehicles . Coverage for your car is available only by purchasing an auto insurance policy . In order to have protection for your car you will need to have your Insurance Professional include physical damage coverage , namely both Comprehensive and Collision .


Input: Can A Person Have Multiple Life Insurance Policies?

Output: Yes , many people have multiple life insurance policies ! Some people start at a younger age and purchase a smaller policy then at later stages in life purchase additional policies . Sometimes a whole life policy may be `` layered '' with one or more term policies . That is usually because more insurance is wanted or needed for a limited period of time while for example there is a mortgage obligation . Also as a whole life policy continues in force , and it 's issued by a `` participating '' mutual company , the value of the death benefit , -LRB- amount of insurance -RRB- may grow . So in that case the value of the whole life policy will have grown to a value where upon the termination of the additional term policy is no longer needed .


Input: Can A Person Have Multiple Life Insurance Policies?

Output: Yes , a person can have multiple life insurance policies . When you apply for a life insurance policy , you will be asked to list your current life insurance on the application . This is simply to see if you are replacing a policy , and if you have enough income to qualify for the total amount of life insurance taken out on your life .


Input: Can A Person Have Multiple Life Insurance Policies?

Output: You may have multiple life insurance policies . It might be a great idea for you to have multiple life policies for different reasons . You could use a permanent policy such as Whole Life or Universal Life for final expenses or the cost of your funeral and burial or cremation . You might use the same permanent policies for providing an inheritance to your loved ones or gifting to a favorite charity . A permanent policy provides a tax favorable death benefit and a larger amount than just passing on money . Temporary or Term Insurance can provide more protection for the dollar when the protection is needed for a period of time . You can protect family income or debt payoff in the event of a death . You can protect a family from the burden of a mortgage when somebody dies . You are providing protection in the event a member of the family dies . Your limit of the amount of insurance is determined by each company in a unique way . You and your life insurance agent need to look at your situation and determine the best option for you .


Input: How Much Does Car Insurance Cost For A BMW?

Output: Great Question . BMW insurance is a bit more than a normal car since the car cost more to buy and parts are expensive if there is an accident . Be prepare to pay about % 10 - % 20 higher than another type of vehicle . Also if you are a good driver and no accident you will get a better rate .


Input: Who Regulates Equity Indexed Annuities?

Output: Equity indexed annuities are not a security -LRB- unlike variables annuities which is a security and an insurance product . -RRB- After a long dispute initiated by the SEC , indexed annuities -LRB- some prefer not to use the term equity -RRB- remain a non security and under the department of insurance for each state .


Input: Will Medicare Pay For A Caregiver?

Output: The answer to that question is no . Medicare does not pay for any custodial care . There are some government benefits that may help if you qualify . As part of our Care Resource planning we help individuals through the maze of government benefits . Find a good Care Resource planner in your area or elder law attorney . They may be able to help .


Input: Can Medicare Help Pay For An Air Purifier?

Output: Typically , air purifiers and related items such as humidifiers and electric air cleaners are not covered by Medicare . However , Medicare may be able to cover a humidifier , when medically necessary , if used with some forms of durable medical equipment -LRB- DME -RRB- . Under that scenario , I would suggest confirming with Medicare directly to see what would be necessary to meet those requirements . I do n't know how much they cost brand new , but if expense tolerance is a large concern and one is desired , there may be discount ones or pre-owned ones that may be available for a low price that is tolerable on websites such as amazon , ebay , etc. . I would suggest taking a look in those areas for an alternative way to save money on the purchase of an air purifier . I hope the information is helpful - please feel free to contact me with any other questions . Thanks very much .


Input: How To Buy Renters Insurance Online?

Output: There are many ways to purchase renters insurance online . Most major insurance companies will allow you to purchase directly thorugh their websites . There are also websites that give you access to many different companies at once . However , there are some things that concern me about purchasing insurance online . As a former agent for a top 3 insurance company , I would become the `` agent '' for individuals who had purchased their own insurance online . I consistently found problems and lack of coverage when I recevied these clients . My recommendation is to reach out to a local independent agent and tell them you are looking for renters insurance . This will give you the opportunity to build a relationship with that person and have them make recommendations for certain coverages . There are many additional coverages that are available on renters policies from water back-up , to identity theft coverage , and specific coverage for jewelry , collectibles , music equipment , etc. . It is best to discuss these options with a professional so you know exatly what is covered and how it is covered . While you can quickly purchase renters insurance online , you may leave yourself with gaps in coverage , which can become costly in the event of a claim . The process is not that much slower within an agency -LRB- we frequently put polices in place the same day -RRB- and you can be confident that you have the proper coverages . If you do not feel comfortable with the agent you are in contact with , ask friends and family who they work with and find someone you truly trust . Even though you are purchasing a fairly inexpensive renters policy , take your time to find the right solution for you . In the unfortunate event of a claim , you will be happy that you did .


Input: How Many Annuities Can You Have?

Output: You can have as many annuities as you want , but you may be limitations on the total amount you can have depending on the life insurance companys caps . An annuity is a mortality insurance product and by definition has a mortality cost associated with it . The mortality risk may limit the amount you can deposit into any one annuity with the same company .


Input: How Many Annuities Can You Have?

Output: You can have as many annuities as you want . There are different types of annuities and having a variety may best serve your financial purposes . Also , in times of low interest rates , you may want to purchase several annuities over a period of time , so that you can hopefully hit on one that has a higher return .


Input: Can Annuities Be Placed In A Trust?

Output: Yes , annuities can be placed in a trust . There are various reasons why one might place an annuity into a trust and care should be taken to sort out the exact reason to place an annuity into a trust . Due to the costs and consequences of such actions , you should carefully consider the benefits and draw backs to placing an annuity into a trust .


Input: What Health Insurance Covers Gastric Sleeve?

Output: While this procedure may cost in excess of $ 10,000 , it is increasingly being viewed as a viable option for obese patients considering weight loss surgery . Coverage for this procedure can vary from state to state and certainly from one insurance carrier to another . So , you should certainly check with your insurance carrier and verify if this procedure is covered under your specific policy , to what extent , and what medical criteria must be met for this procedure to be approved . A procedure of this magnitude will not be the starting point in addressing a person 's weight control problems , you will have to exhaust other less risky options before proceeding to any surgical solution . AETNA , CIGNA , United Healthcare , some Blue Cross/Blue Shield plans and other regional carriers are known to have covered this procedure . I do not believe that Medicare currently covers this procedure nor is it likely to be covered under most state 's Medicaid plans . Remember , this will have to be a medially necessary procedure , you will almost certainly have to meet the criteria for being morbidly obese and have not had success with other treatment methods before you should have any expectation of this procedure being approved by your health insurance carrier .


Input: Does Health Insurance Cover Transgender Surgery?

Output: Unless there is a sound Medical reason such as an accident that makes such surgery necessary or perhaps a hermaphrodite situation the answer in most cases would be no , at least I do not know if any company that would cover it . Transgender surgery is considered elective and is not necessary for the physical health and well being of the individual .


Input: How Much Is The Medicare Approved Amount For Eyeglasses?

Output: Unfortunately , Medicare does not pay for eyeglasses . The only situation in which eyeglasses are covered by Medicare is when cataract surgery is done . Then it will pay for one standard pair of glasses following surgery . To find out what amount is allowed for that expenditure you can ask your Medicare provided or call 1-800-MEDICARE .


Input: How Do Life Insurance Brokers Get Paid?

Output: Life insurance brokers are paid a % of the commissionable premium of the life insurance policies they place . Each life insurance carrier and product pays differently , and agents are paid on different schedules set by the general agencies they use . For Term Life insurance , the commission is usually paid only on the first year premium , and if the policy lapses before the year ends , the broker may lose some or all of the commission . For Permanent policies and some Term policies , a small residual commission is paid to agent for years after the first year 's commission is paid . Of course , some agents work for brokers and are simply paid a salary .


Input: How To Get Health Insurance At 19?

Output: You are of legal age at 19 years so you should be able to call a company of your choice and hopefully an insurance agent of your choice that will help you obtain the coverage you need and the coverage you should keep until death do you part . At 19 your premiums should reflect your youth and assuming you do not sky dive or race motorcycles or other hazardous conditions you should be encouraged to get a good policy to cover your needs . Even if yuo get married in the future you should keep this policy . If you have children call a Gerber agent and get a `` new born '' policy for $ 10,000 which then doubles at their age of 18 . If you do not know a company that you should be able to depend on then look up a Humana agent or a UHC/Golden Rule agent .


Input: How Can I Get Cheaper Car Insurance?

Output: That is an excellent question , and one that I get asked a lot ! There are a couple of things that you can do to get your insurance rate lowered . The best is to continue to have a claim and ticket free driving record . If your record is clean , many companies will offer a discount . If yours does n't then tell them you are going to drop the policy and switch , and see if that will motivate them to work with you on the rate , or to match the rate of the company you will switch to . -LRB- many will -RRB- . Another way is to add your other policies to your auto insurer 's company . Having multiple cars or policies with the same company will result usually in substantial discounts on all of the policies . The last way , and one I caution you on , is to raise the amount of your deductible . If it is $ 500 now , and you can afford to pay a $ 1000 if you need to , then raise it to $ 750 or $ 1,000 , and get a lower rate . If you 'd have a hard time coming up with $ 500 , I 'd not advise raising it , especially if you 've filed claims before . Ask your agent to help , they are good that way , and thank you for asking !


Input: How Can I Get Cheaper Car Insurance?

Output: The cheapest auto insurance can be easily found when you shop the right way . Comparing multiple carriers and quotes will allow you to quickly view the lowest rates in your area . An experienced broker will do all of the work for you , show you the companies with the best prices , and help apply for coverage . LIVE answer provided by : Ed Harris - Premier car insurance broker for 33 years and owner of several top-rated auto websites that feature the lowest available rates .


Input: How Can I Get Cheaper Car Insurance?

Output: The cheapest auto insurance is the policy that pays the most when you have a claim . That policy is generally written by a licensed insurance agent . If you dont have an agent , get recommendations and then talk to the agent . He should listen , provide sound financial advice and communicate clearly with you and with the company . The most expensive policy is the one that does not provide adequate insurance when you have a claim , and that might well have been the policy with the lowest premium


Input: How Can I Get Cheaper Car Insurance?

Output: There are many ways to get cheaper car insurance , so be sure to shop around . That may be something you do on your own or with the help of an independent agent who writes coverage for multiple companies and who therefore can shop for you . There are a multitude of variables that will produce savings way beyond the scope of this answer , but think about what car you buy , what driving record you have , what use you have of the vehicle -LRB- business , commute , pleasure -RRB- , discounts for safety programs such as Defensive Driving or Drivers Training etc. . My admonition is not to leap to a position of lower limits of coverage . Do everything else your insurance professional suggests before you take that extreme measure .


Input: How Can I Get Cheaper Car Insurance?

Output: Having a clean driving record is a great start . Insurance companies will underwrite based upon your driving record to be sure and in many cases will also include credit history as well . Many companies offer `` bundling '' discounts meaning you can save quite a lot if you insure your home and car with the same company .


Input: Can Life Insurance Policies Be Cashed In?

Output: Yes , Life Insurance policies can be cashed in if they indeed have a cash value . Term life insurance does not have a cash value so it can only be cancelled , not cashed in . To see what you would get by cashing in Whole Life or Universal Life , look for the surrender value on your most recent statement . Other options that might give you access to the cash value without giving up your entire policy are : borrowing from the value , making the policy a reduce paid up policy , or partial surrender .


Input: What Does Travelers Homeowners Insurance Cover?

Output: Travelers Insurance Company covers standard Home Insurance Forms approved by each individual state in which theywrite homeowners insurance . Themost common form of Homeowners Insurance is the Form HO3 used to issue policies on Single Family Dwellings which are the primary residence of the titled owner . Travelers has a selection of endorsements which can be added to the policy inclusivebutnot exclusive of Replacement Cost Contents , Extended Dwelling Replacement , Water Backup , Liability Extension to Additional Residence , Personal Injury , Increased Limits for ValuableBelongings and many more ... . For Travelerscoverage in CA , AZ & NV , connect with : WEBSITELINK or call : -LRB-877-RRB- 931-3368 For all other States , contact your local Travelers Insurance Agent forassistance .


Input: When Is A Life Insurance Death Benefit Taxable?

Output: Most life insurance is passed to the beneficiary income tax free . If the life insurance amount , added with the rest of the estate , exceeds the estate tax exemption , it is possible the part of the life insurance could be subject to estate taxes . Also , a cash value policy that is a modified endowment contract has too much cash value to be allowed all the tax benefits of life insurance .


Input: When Is A Life Insurance Death Benefit Taxable?

Output: One of the best reasons why people buy life insurance is because there the proceeds are not subject to income taxes . There are situations where the benefits can be subject to estate taxes or a certain setup can result in gift tax consequences . The most well-known situation is what 's commonly referred to as the `` Goodman Triangle '' -LRB- named after a court case -RRB- . This is when the policyowner , the insured , and the beneficiary are three different parties -LRB- e.g. a husband is the policyowner , the wife is the insured , and the kids are the beneficiaries -RRB- . When structuring the policy , you want to have two of the three parts being the same person/entity -LRB- e.g. policyowner and insured are the same person and beneficiary is different or policyowner and beneficiary and the same person and insured is different -RRB- . If a policy is owned by a trust such as an Irrevocable Life Insurance Trust -LRB- ILIT -RRB- , the insured and beneficiary will be the trust and the insured will be the person who 's life the trust was created for . I hope the information is helpful - please feel free to contact me for help and if you have any questions . Thanks very much .


Input: When Is A Life Insurance Death Benefit Taxable?

Output: Life insurance is paid with after tax dollars and the death benefit is in most situations non-taxable . In Canada , if the death benefit is paid to a named beneficiary it is paid directly and bypasses probate . This would avoid any probate fees . LIfe insurance policies , especially Endowment Policies , used to be used as Registered Retirement Savings Plans . The death benefit of these policies is taxable . If you have further questions , or feel that I could be of assistance , please do not hesitate to contact me.If you would like to work with a local life insurance broker , you could start with a Google search . For example , if you search for : life insurance broker Halifax or life insurance agent Halifax , my name , along with several others , will come up . You can use the same method to find a life insurance broker in your community .


Input: Can You Borrow Against A Term Life Insurance?

Output: There are two basic types of life insurance : term and permanent -LRB- cash value -RRB- . Term is purchased to provide protection for a finite period of time for temporary needs of up to 30 years . Term does not usually have a cash value associated with it so there is nothing available to borrow .


Input: Can You Borrow Against A Term Life Insurance?

Output: There is no cash value in a Term life insurance policy to borrow against . However , some Term life insurance has `` living benefits '' that allow the insured person to take part of the face amount in cash in case of critical or chronic illness . Others have built in riders that allow the insured person to take part of the face amount in cash if diagnosed as terminally ill . This is not borrowing from the policy ; this is giving up that amount of the death benefit in order to use it while still alive . But it is one way that a person can get cash from a Term policy .


Input: Can A Felon Buy Life Insurance?

Output: A felon can but guaranteed issue life insurance if they meet the age requirements -LRB- usually a minimum age of 40-50 years old -RRB- . Most No Exam policies delay offering policies until after probation for a felony . If the felony is dismissed it is possible to get a medically underwritten life insurance policy without having to wait .


Input: Can A Felon Buy Life Insurance?

Output: A felon can get guaranteed issue life insurance if they meet the age requirements -LRB- usually a minimum age of 40-50 years old -RRB- . Most No Exam policies delay offering policies until after probation for a felony . If the felony is dismissed it is possible to get a medically underwritten life insurance policy without having to wait .


Input: How Much Will You Get From The Military For Your Life Insurance?

Output: The military will give you $ 400,000 of group life insurance through their SGLI policy . You will need to pay a small premium . If you do not want that much , you can reduce the face amount by increments of $ 50,000 or you can opt not to take the life insurance at all .


Input: What Is Single Premium Immediate Annuity?

Output: This is the basic annuity . It provides that the insurance company will , in exchange for a single payment , provide a lifetime of monthly payments , regardless of the length of the life of the annuitant . This promise is backed by the assets of the corporation and the insurance company is supervised by the state insurance commissioner in the state where you live and the state where the company is domiciled . There are many variations on this basic contract .


Input: Is Universal Life Insurance A Good Deal?

Output: You should consider guaranteed universal life insurance if you have a permanent and ongoing financial liability you want to fund through life insurance proceeds for your beneficiaries . You should consider current assumption universal life for tax advantaged supplemental retirement income . Current assumption universal life has three crediting methods : interest rate , indice and separate sub accounts . You should design the policy with the lowest TAMRA compliant death benefit option to maximize cash values .


Input: What Will Happen To Medicare In The Future?

Output: Medicare is `` too big to fail '' but that does not mean there wo n't be changes . Funding and benefits will need to be adjusted in order for the system to survive . Medicare is like a balloon . You squeeze in one place and it bulges in another . Going forward , medical providers will have reimbursements squeezed , deductibles and premiums will rise . The biggest threat to Medicare beneficiaries is the Obamacare IPAB that will oversee medical treatment .


Input: Why Is Car Insurance So Expensive For Teenagers?

Output: If all things were equal . . Unfortunately we all know that things are not equal . Losses are carefully evaluated and where there are distinct trends , insurance companies go to the state insurance commissioner and ask for permission to consider those specific trends . Youthful drivers have long been recognized as incurring a higher frequency of losses . We can argue all night about whether this is correct or not , but there are years of statistics that say that it is predicable .


Input: Why Is Car Insurance So Expensive For Teenagers?

Output: Auto insurance rates are partially based on driving experience of the person to be insured . Teenagers are brand new drivers and are typically not fully mature -LRB- when it comes to driving -RRB- hence the reason that their rates are typically on the high side . This is not to say that a teenager can not be more mature or a more responsible driver than someone that is older but the statistics are against it . On a brighter note if your teenager maintains a 3.0 or above GPA in school many carriers will offer a good student discount which can help lessen the premium hike experienced .


Input: What Does CGSMedicare Stand For?

Output: CGS Medicare stands for a Celerian Group Company . The company provides a variety of services for Medicare beneficiaries , healthcare providers , and medical equipment suppliers . CSG is a Medicare Administrative Contractor for the Centers for Medicare and Medicaid Services -LRB- CMS -RRB- for Medicare Part A , Part B , Home Health and Hospice -LRB- HH&H -RRB- and Durable Medical Equipment -LRB- DME -RRB- .


Input: How Do You Get The Best Term Life Insurance?

Output: To echo Peggy , the best way to get the best term life insurance at the best rate is to `` hire '' an experienced life insurance broker you trust . Most all of us do not charge for our services and are compensated by the insurance carrier . Be sure to choose an agent that represents numerous carriers to professionally shop for the best term life insurance at the best price for your unique situation . There is no such thing as one size fits all .


Input: How Do You Get The Best Term Life Insurance?

Output: To get the best term life insurance , you should use an agency that you can trust . If you ask your agent questions and get direct answers and practical options , and if your agent asks you questions to help determine your best policy , you are on the right track . Someone who does not listen to you and then offers you one product probably is not offering you your best choice .


Input: What Is An APS For Life Insurance?

Output: An APS is your medical history from your Attending Physician Statement . But in reality it 's more than a statement , it is your complete medical file from your doctor . If you have more than one doctor , then the life insurance company is going to order all APSs from all your doctors .


Input: What Is An APS For Life Insurance?

Output: An APS for life insurance stands for an Attending Physician Statement . It is the medical record that is ordered for people who apply for life insurance while having a medical condition that needs further review by the underwriter . By looking at the APS , the insurance company can provide a fairer price because they can tell whether your health condition is more controlled than someone else with that same illness .


Input: What Does PIP Stand For In Auto Insurance?

Output: PIP stands for Personal Injury Protection . PIP covers medical expenses from an auto accident . This is a no-fault coverage and will pay out regardless of fault . Not all states have PIP coverage however in some states PIP is mandatory . It is possible depending on the loss that PIP could cover lost wages and other damages . Consult your local agent about PIP coverage .


Input: What Does PIP Stand For In Auto Insurance?

Output: PIP refers to Personal Injury Protection . Many states require primary medical coverage as a condition of insurance policies issued in those states . In many cases , PIP included this primary medical benefit in addition to some limited disability . States like Connecticut changed their laws and such coverage is now no longer mandatory . It was replaced with voluntary Primary Medical coverage without any disability benefit included .


Input: Does Short Term Disability Insurance Cover Maternity Leave?

Output: Yes , short term disability insurance does cover maternity leave if purchased at the right time -LRB- meaning , before you become pregnant -RRB- and with a policy that states that it has that benefit . Unlike long term disability insurance , which only covers complications of pregnancy , short term disability insurance covers time off related to normal pregnancy and childbirth .


Input: What Is IUL Life Insurance?

Output: IUL stands for Indexed Universal Life -LRB- often called Equity Indexed Universal Life -RRB- . While guaranteed universal life is the type of policy one might use for permanent coverage at a low cost , IUL is the type of policy one might use to accumulate income for retirement in a relatively safe manner .


Input: What Is IUL Life Insurance?

Output: IUL is Index Universal Life Insurance . The value of the . coverage relies on the accumulation . by either the global stock index or S&P 500 only . The accumulation is compounded when there is a rise in these factors . Cash Value is more including the benefit amount . You may start from ex : 80K at first death benefit then the . accumulation can rise to over 100k depending on years policy is active .


Input: What Is IUL Life Insurance?

Output: IUL Life insurance is indexed universal life insurance.Indexed universal life uses domestic and foreign indices options as its crediting method with caps , spreads and participating modifiers . If the option is exercised then earnings are credited . If the options are not exercised then nothing is credited to the account .


Input: Who Pays Excess On Car Insurance?

Output: Your question stumps me a bit , but maybe I am on the right track to talk about umbrellas and Excess UM . If you have an auto policy and want coverage beyond the limits of the policy , it makes sense to buy an umbrella policy . Personal Umbrella policies range form 1 to 10 million and beyond , but are not as pricey as many would think . The coverage sits on top of your auto and homeowners and protects you for a loss exceeding your primary policy.Pricing on a $ 1 million dollar umbrella might start as low as $ 175 . If you understand the need for an Umbrella than you should understand that if the situation is revered and you are the party that is the victim of an at fault party who does not have enough coverage , you can remedy that type of situation by buying Excess Uninsured Motorist Coverage usually sold in the same increments and often on the same policy as an umbrella .


Input: Where Can I Get Non Owners Auto Insurance?

Output: Yes there are several insurance carriers that will offer non owned auto insurance . Usually this type of policy is used in order to get your license reinstated but may also be used to keep your insuranceconsistentwithout any lapses in coverage which in some states can have a negative effect if you gap . Talk to your local independent agent about obtaining non owned autocoverage 's .


Input: Where Can I Get Non Owners Auto Insurance?

Output: In Montana there are many carriers that offer this and none of them have anything to do with getting your licenses reinstated . On average with state minimum liability limits of 25/50/10 and uninsured and underinsured and med pay at 5,000 on average the rates is from 38 to 50 a month depending on your age and driving history . Each state has different guidelines . Go look at your state insurance commissioners office website and you can learn what the state you live in has to offer . Talk to a local independent they can guide you to what is best . In Montana we use to also have what was called a broadform policy but this option is no longer available . If you have your name on a title you have to insure it even if it is just parked


Input: How To Get Health Insurance When You're Pregnant?

Output: You can get health insurance coverage if you are pregnant . As an experienced broker with more than 33 years of experience , I have good news for you . During Open Enrollment , maternity benefits are included and a federal subsidy could substantially reduce your rate , depending on household income . There are many types of plans available with various types of benefits . It 's important to allow a broker to help find the best plan options so you save time and money , and get enrolled in the best plan .


Input: How To Get Health Insurance When You're Pregnant?

Output: Under the new Affordable Care Act , you can not be declined for health insurance for any medical-related conditions . Each policy is required to cover 10 essential health benefits - one of these essential benefits is maternity care . You can apply for a health insurance plan during the annual enrollment period - you can only secure coverage outside of this window if you qualify for a special enrollment period . Giving birth to a baby would be a qualifying event . I always recommend consulting with an experienced broker to help you determine which carrier and which health plan will best serve your needs and your budget . Please let me know if I can be of further assistance . Thanks very much .


Input: When Can I Enroll In A Medigap Plan?

Output: You can apply for a Medigap plan up to 3 months before your Medicare Part B effective date - you must have both Medicare Part A & Medicare Part B to buy a Medigap plan . Once you have an established Medicare Part B effective date , you will have a 6-month open enrollment period to buy any Medigap plan from any carrier with NO medical underwriting . After this point , you can buy a new Medigap plan whenever you would like -LRB- there are no annual enrollment periods for Medigap plans -RRB- , however , you would have to go through medical underwriting if you do n't qualify for a special enrollment period or a guaranteed-issue right . The best overall time to buy will be your initial open enrollment period when you 're new to Medicare and just starting Part B coverage . Determining which Medigap plan is right from you and which carrier to apply for the plan through can be a bit more involved than some may realize . It 's not all about price as some may believe . You need to look at the carriers ' premium rating methods -LRB- community , attained , or issue age rated -RRB- , their rates , their rate increase history , their service history , and other factors . It 's best to consult with an experienced Medigap broker who can help you determine which plan and carrier will be most suitable to your desires , needs , and budget . I hope the information is helpful - please feel free to contact me for assistance with your Medigap coverage needs , including providing quotes and plan comparisons , and if you have any other questions . Thanks very much .


Input: Why Are Retirement Plan Obligations Liabilities?

Output: Retirement plan obligations are liabilities because they are liabilities in the accounting sense of a liability . It is money for which the employer is legally obligated to pay or encumber on the behalf of an employee and is not money that the employer has freedom to use in any fashion it wishes , therefore the agreement to make certain benefits available under the plan are a liability to the company , as would be the case with any other legally agreed upon obligation .


Input: Will My Car Insurance Go Down When I Turn 18?

Output: Normally when your age is at the younger spectrum you would see a drop in premium each year for the first few years before the rates start to level off . This is assuming all things remain equal such as the car you are driving , no points on your record , garaging address and so on .


Input: How Long Does A Term Life Insurance Last?

Output: Term insurance keeps the premiums fixed and guaranteed for a specific number of years -LRB- e.g. 10 , 15 , 20 , 25 , or 30 years -RRB- or is age-banded - banded life insurance policies increase every 5 years when you hit the next age bracket -LRB- e.g. 50-54 , 55-59 , etc. -RRB- Under traditional policies , after the term period has expired , the premiums change to annual renewable term insurance and increase each year -LRB- based on age -RRB- . You can elect to continue the existing term insurance policy up until age 95 -LRB- with most policies -RRB- , however , the price to keep that policy in force becomes astronomical and you would never pay it past the first couple of years -LRB- if at all -RRB- . Most people replace a term insurance policy with a new term or permanent policy before the term period on their current one expires . I hope the information is helpful - please feel free to contact me for help and if you have any other questions . Thanks very much .


Input: How Long Does A Term Life Insurance Last?

Output: That is a good question ! Term life insurance policies are generally set for an exact number of years , ranging from 1 -LRB- your work policies -RRB- to 30 . The length of the term is clearly stated in the title of your policy . Your policy will show you many years after the stated term , and look carefully at the cost - see how it rises dramatically ? If you want to renew it after your term expires , that is what you will pay . Other term policies , like the ones advertised for Senior Citizens on TV , and the `` everyone 's guaranteed '' ones you get in the mail , do n't have a specific start age -LRB- the policy starts when you are approved and paid the first premium -RRB- but they have a definite end date - the day you turn 80 . These policies are legitimate life insurance policies , with good companies behind them , but I have repeatedly found that the seniors purchasing them do n't realize that they end , and leave them without any insurance that they can afford . These policies will also rise in price every few years also , another difference from a straight term policy . I hope that helps . Thanks for asking !


Input: How Long Does A Term Life Insurance Last?

Output: In most cases as long as you continue to make the premium payments . However , after the stated term is over , the premiums will start to rise and eventually escalate strongly . Some companies will just end the policy , but must will allow it to continue , at the higher premium . Whole life will keep the premiums level for your lifetime , and never end . Thank you . GARY LANE


Input: How Long Does A Term Life Insurance Last?

Output: Term insurance as the name implies , is coverage for a specific number of years . Term policies can be purchased in lengths of from 1 to 30 years in general and in some cases to 40 years . Term insurance is designed for those people who require coverage for a specific number of years to cover loans or children 's education among other things . Term is also less expensive in most cases that permanent coverage .


Input: Do Life Insurance Companies Drug Test?

Output: It truly depends on the type of coverage you are seeking , as my colleagues above have attested to . If you are getting a policy that is guaranteed issue , then no ... there will be no medical questions nor testing of any kind . However , you must realize that there are then some restrictions which come with this type of coverage , to mitigate the risk incurred by the insurance company entering into a life insurance contract without medically pre-screening the proposed insured . Lower bands of coverage , higher premiums built into quotes versus same age individuals WITH a paramed exam ... etc. . These are factors to look at and weigh if drug screening might be an issue . Some companies , however , still do issue policies but might rate them a bit higher if blood toxicology comes back positive for certain substances .


Input: Do Life Insurance Companies Drug Test?

Output: If a blood and urine analysis is necessary to obtain coverage , then the Chem 24 exam results will display drug use . In addition , the medical part 2 of the application will also ask about drug use , including prescription medications . It is important to be straight forth and honest in your answers to these questions .


Input: Do Life Insurance Companies Drug Test?

Output: Yes , life insurance companies use blood profile and urinalysis results to underwrite applicants for life insurance . They also compare what is found to the responses to the life insurance application and , if ordered , the information doctors include in medical records . It is important to answer truthfully . Your life insurance professional can provide the underwriter with background information if necessary to explain your situation for the best possible result .


Input: Do Life Insurance Companies Drug Test?

Output: Yes , life insurance companies that require a paramed exam will drug test . If you purchase a nonmed policy that does not require an exam , no drug testing will be done . However , they usually ask about drug use on the application . The exception is fully guaranteed issue life insurance ; they do not ask any health or risk questions .


Input: What Qualifies As A Qualifying Events For Health Insurance?

Output: You can only apply for health insurance outside of the annual enrollment period if you qualify for a special enrollment period -LRB- SEP -RRB- . This goes for health plans both on and off the health insurance exchanges . To qualify for a special enrollment period , you must have a `` life-changing event . `` Qualifying events include : 1 -RRB- Getting married 2 -RRB- Having a child 3 -RRB- Adopting a child 4 -RRB- Fostering a child 5 -RRB- Moving out of your current coverage 's service area 6 -RRB- Losing your existing health insurance under certain conditions including : 7 -RRB- Loss of group coverage through your employer 8 -RRB- Your COBRA coverage expired 9 -RRB- You get divorced 10 -RRB- You come off your parent 's group coverage 11 -RRB- Your plan was terminated by the carrier 12 -RRB- You lose your Medicaid eligibility , CHIP eligibility , or similar situation 13 -RRB- Becoming a U.S. citizen 14 -RRB- Leaving incarceration 15 -RRB- Becoming a member of an indian tribe : those in a federally recognized tribe can apply for new coverage/make changes to their existing coverage once a month throughout the year Please note , voluntarily terminating your existing coverage or your coverage was terminated by the carrier because you did n't pay your premiums are NOT considered qualifying events for a special enrollment period . Please let me know if I can be of further assistance . Thanks very much .


Input: Is Lorazepam Covered By Medicare Part D?

Output: Lorazepam is covered by Medicare Part D as of Jan. 1 , 2013 . Lorazepam is the generic name for Ativan , part of the family of benzodiazepines . Lorazepam , Xanax , Klonopin and their generics are also part of that family , and also covered by Medicare Part D if prescribed as medically necessary .


Input: Is It Legal To Require Renters Insurance In Arizona?

Output: Yes . The companies that rent out their dwellings have landlord policies . Those policies usually only cover damage to the structure from outside sources and not from the tenants . If you 're responsible for a stray candle or a stove fire which burns the house , condominium , or apartment complex down , you 'll be sued to cover those damages . Renters insurance provides liability coverage for just that situation . That liability coverage also protects you if someone gets hurt over at your place , if someone sues you because they think you said something wrong , or even if your animal attacks them . Renters insurance is also the insurance that you would need should your personal property get stolen or damaged in a loss like fire . So yes , it is legal to require renters insurance in Arizona . The good news is that it 's not only a really good option to have , but it 's also extremely affordable . If you want , we can even draft up a quote for you . Please reach out to us at www.insuranceeddie.com . Thank you .


Input: Who Does Geico Use For Home Insurance?

Output: Geico does not write Homeowners insurance . If you have your Auto insurance with Geico , they will typically offer you a Homeowners quote through Geico General Agency and the insurance company they use is Travelers Ins . Co. . They do this so that you can receive a Multi-policy discount . I hope this answered your question .


Input: What Is The Average Cost Of Health Insurance In Kansas?

Output: Based on data compiled for health insurance plans in 2014 with the new mandated coverage under the Affordable Care Act , the weighted average of a benchmark -LRB- silver , or 70 % benefit level -RRB- health insurance plan in Kansas is $ 260 ; which is below the $ 328 national weighted average . As for current Kansas averages , the 2013 data is not accurately completed and compiled yet . But by best estimates of 2013 data , the average premium in Kansas is $ 182 , but does not disclose or reflect benefit levels or type of coverage -LRB- the national average benefit level is 78 % -RRB- . So , in conclusion , a resident of Kansas can expect to pay on average $ 182 for a health plan the remainder of 2013 , and then $ 260 starting 2014 -LRB- a 43 % increase from 2013 , which is in line with the national weighted average of overall premium increases -RRB- . But , premiums vary widely across the state and by county , and by age .


Input: Which Type Of Life Insurance Policy Is Best?

Output: The best life insurance is the policy in force the day you die . Seriously though , it depends on your goals and personal circumstances . The best thing to do is to sit down with a good independent experience life insurance agent and do a complete review of your situation to determine the best plan for you . There is no one best insurance plan .


Input: Which Type Of Life Insurance Policy Is Best?

Output: The type of life insurance policy that is best for you may be completely different from the type of life insurance policy that is best for someone else . Your age , employment , marital status , your financial goals , and a myriad of other factors all enter into what type of life insurance policy is best for you . Visit with a respected agent to get the type -LRB- s -RRB- of policies that will best meet your needs on your budget .


Input: Can You Get Homeowners Insurance With A Trampoline?

Output: There are more than likely some companies out there that will write a homeowners policy with a trampoline on the property , but most will not . The liability issues with the trampolines have become very costly to many insurance companies . If you find a company that will accept the trampoline and not exclude it be prepared to pay a premium equal to the risk assumed by the carrier . Contact a local agent to find out if they have any carriers that they work with that accept trampolines as part of the homeowners policy .


Input: Can You Get Homeowners Insurance With A Trampoline?

Output: Trampolines are a major problem for insurance companies . Most insurance companies will not insure a home when they know that there is a trampoline present . Some insurance companies will accept a home with a trampoline . There are brokers who specialize in companies that handle special risk cases . You should consult the yellow pages and locate someone who can quote a policy with the trampoline .


Input: What Is AARP Medigap?

Output: AARP Medigap plans are Medigap plans insured through United Healthcare . In short , AARP partnered with United Healthcare to attach their name to UHC 's products . As Medigap plans feature standardized benefits , the coverage under each Medigap plan is exactly the same as it would be if you purchased the coverage from another carrier . The main way the AARP Medigap plans differentiates themselves from other Medigap carriers is through their premium rating method . Most carriers determine their rates based on the attained-age rating method -LRB- your age at the time you apply with rates increasing as you get older each year -RRB- . AARP Medigap plans -LRB- insured through United Healthcare -RRB- are based on the community-rated method -LRB- everyone in an area pays the same rates regardless of their age - meaning an 85 year old is paying the same thing as a 75 year old -RRB- . Please note , the carrier also offers value-added services such as discounts for certain things such as eye exams and also offer a 24/7 nurse hotline , and silversneakers membership . You must be an AARP member to buy an AARP Medigap plan - membership can be attained during the application process . I hope the information is helpful - please feel free to contact me for assistance with your Medigap coverage including quotes and comparison and if you have any other questions . Thanks very much .


Input: What Is AARP Medigap?

Output: A Medigap Plan purchased through AARP means you will have Medicare Supplement insurance through United Healthcare . Medigap Plans A , B , C , F , K , L and N are sold by AARP . In some states , AARP has Medigap SELECT plans . For example , if you have Medigap SELECT Plan F or C , you get all the benefits of those plans -- except you have to use the hospitals in the network directory to receive full hospital care benefits . Applicants must be AARP members or live in the same household and share the same AARP membership number . It 's important to note that Medigap Plan benefits are standardized ; so , Plan F with AARP is the same Plan F with another insurance company . The difference is the price . An independent agent specializing in Medicare Supplement insurance can help you compare an AARP premium to other insurance companies . Many people like to do their own research and sometimes will end up with an insurance company such as AARP because it 's easy to call up and enroll . However , this ` easy ' process can often times equate to a higher premium . By working with an independent agent , you can compare an AARP premium to other insurance company premiums for the same Medigap Plan you desire . This will make sure you are getting the best priced Medigap Plan . Thank you for reading my reply . Please let me know if I can be of further assistance .


Input: Can You Claim A Broken Tv On Renters Insurance?

Output: That depends on how the tv ended up being broken . If the tv was broken due to a covered loss then it may be covered . Please read your policy completely to know what coverage is offered and what exclusions there may be or contact your local agent to have them go over the policy with you .


Input: Why Is My Life Insurance Premium So High?

Output: The price of your premium may depend on certain factors that determine rate . Age , sex , health , and current activities or sports and even if you smoke . These are the most important or common questions that arise at determining premium rates . You should know or have been informed of any reason why you may have a higher premium at the beginning of the policy before any payment Is received . Since I do n't know all details I am not able to pinpoint the exact reason , but , the factors mentioned will help you .


Input: Why Is My Life Insurance Premium So High?

Output: Good question ! This is something everybody wants to know . Here are some possible reasons for your high premium : 1 -RRB- you represent a very high risk , such as someone who unfortunately has a serious illness , or who engages in an adventurous hobby such as skydiving ; 2 -RRB- you have a guaranteed premium until age 121 -LRB- as opposed to age 100 , or for 30 years -RRB- ; 3 -RRB- you are 85 years old -LRB- the premium for an 85-year-old is higher than for a 35-year-old -RRB- ; 4 -RRB- you applied with a company that is not competitive for the type of risk you represent - so they slammed you with excessive extra premium .


Input: Why Is My Life Insurance Premium So High?

Output: There are a lot of answers here and all of them have good information . The only other factor that I did not see mentioned here is you may have a product which started off at a lower premium , perhaps a guaranteed period and now you are beyond which the rates will increase depending on the type of policy along with the maximum guaranteed rates in the policy .


Input: Why Is My Life Insurance Premium So High?

Output: There are two basic issues at play . The anticipated life expectancy and how long the coverage is going to last . The premium is the result of statistics compiled over millions of lives and represents the risk to the insurer of providing coverage to a `` standard '' person . If you are not `` standard '' the underwriter may adjust the premium , again , to take into consideration the affects of your health or occupation . They look for anythingthat can change the risk from being `` standard . '' The length of time that the insurer provides the death benefit also affects the premium .


Input: What Is The Highest Possible Deductible For Home Insurance?

Output: Most polices will max out at a 5000 deductible . However some carriers will go as high as 10,000 and if your home is what we call high value I have seen deductibles easily hit 50,000 . High value would mean homes with a replacement value of at least 1.5 million in coverage .


Input: What Is The Highest Possible Deductible For Home Insurance?

Output: The answer to this question is based entirely upon the carrier and the state . Most carriers offer a range of deductibles from $ 500 - $ 5000 . If you own a high end home , the deductibles offered can be in the $ 10,000 - $ 50,000 range . Another type of deductible you may see is a separate wind/hail deductible . Originally , these deductible were found on homes in the hurricane belt , but in recent years , the South & Midwest have resorted to this deductible due to the number of tornados , high straight-line winds & hail claims . Often , the wind/hail deductible is shown as a percentage of the replacement cost of the home . For example , a 5 % wind/hail deductible on a $ 400,000 home would be $ 20,000 . Other separate deductibles for other causes of loss might be earthquake & flood .


Input: What Is The Highest Possible Deductible For Home Insurance?

Output: Some carriers offer a percentage deductible in some states . In that case the amount of property coverage for the residence is multiplied by the percentage deductible to develop how much of the claim is the responsibility of the homeowner .


Input: Is Disability Insurance A Business Expense?

Output: Yes disability can be a business expense that is deducted for income tax purposes . If someone chooses to do this , than benefits paid by the disability insurance policy will be realized as taxable income , and the recipient of the benefits will need to pay income taxes on those benefits . If instead , the premiums are not deducted , then benefits are received tax free .


Input: What Happens When A Life Insurance Policy Lapses?

Output: If youre past the reinstatement period you are not covered . If you run out of cash values in a policy and the policy lapses you are not covered . If you inadvertently or deliberately let the policy go unpaid on its anniversary or month bank draft and you are past the reinstatement period you are not covered .


Input: What Happens When A Life Insurance Policy Lapses?

Output: If youre past the reinstatement period you are not covered . If you run out of cash values in a policy and the policy lapses you are not covered . If you inadvertently or deliberately let the policy go unpaid on its anniversary or month bank draftand you are past the reinstatement period you are not covered .


Input: Does Depression Affect Life Insurance?

Output: That is an excellent question ! One of the things that insurance companies are very careful about is your mental state when taking out insurance , or being insured . All legal agreements want you to be `` of sound mind '' when entering into the agreement . They will want to be sure that you are n't taking out a policy for the wrong reasons , and the agent selling you the policy will be required to report what they see/feel about your motives and mental state . I 've had clients that were denied coverage for the medications that they were on , and were offered reduced coverage as a result , and I 've had some that were accepted with a Doctor 's report on the stability and treatment history of the struggle with the depression . It really helps to have an independent agent who can understand your struggle , and guide you through the process to find the best company and policy for you . If you need help , please feel free to contact me , okay ? Thanks for asking !


Input: Does Depression Affect Life Insurance?

Output: Depression can present underwriting challenges . But in many cases , an otherwise healthy individual with only mild depression or anxiety accompanied by documented stability can obtain standard or even preferred risk class . It is important to understand that depression is an illness that affects the entire body , not just the mind . Depression will afflict one in five people during their lifetime . The underwriter , while concerned that the proposed insured has suffered from depression , is more concerned with recovery . An experienced life insurance professional will know how to best present the case to the life insurance underwriter .


Input: Does Depression Affect Life Insurance?

Output: Depression can affect life insurance , but does not necessarily do so . Mild depression that is well controlled by one medication , where the applicant has not missed work or been hospitalized due to the depression , and has shown stability for over a year , can get Preferred rates from some companies . At the other extreme , if the applicant has had a recent suicide attempt , is on disability for depression , or is in a period of trying out new medications , you may need to take a simplified or guaranteed issue plan until you have had some stability for a while . There are many options for people suffering from depression . You will definitely benefit from using an agency that specializes in impaired risk life insurance to find your best rate .


Input: Does Depression Affect Life Insurance?

Output: Depression can affect life insurance rates very little , or it can affect them a lot . The severity of the depression , whether or not there were suicidal thoughts or attempt -LRB- s -RRB- , whether there was hospitalization for depression -LRB- and if so , how often and how long ago -RRB- , if the applicant is on disability for depression , how many medications are being used to treat the depression , and whether therapy is part of the treatment can all affect the rates . Mild depression treated with only one medication can result in preferred rates . A long history of depression that is resistant to treatment and has a high risk of suicide can result in a decline . In my experience , severe depression is far less common than mild depression , and most policies involving depression get rated favorably .


Input: Can I Get Disability Insurance If I'm A Contractor?

Output: YES ! In regard to contractors , there are carriers for all professions including contractors . In fact , carriers like Standard , Assurity and Met Life will potentially upgrade a contractors occupation class -LRB- make the rates cheaper -RRB- if the client has been successfully self-employed over a number of years -LRB- 2-3 depending on the carrier -RRB- . Hope this helps !


Input: How To Lower Your Homeowners Insurance?

Output: In order to Reduce your Homeowners Insurance Premium , there are a few options that may be applicable to your situation . Firstly , you may ask your insurance company to recalculate the reconstruction estimate of your dwelling ; if their updated calculation is less than the Coverage A - Dwelling amount on your policy , you may be able to request the reduction of coverage thereby reducing the premium . You may wish to review any additional endorsements which you may have added to the policy when initially purchased , if any of these endorsements are no longer needed , you may be able to delete the endorsements thereby reducing your premium . Also , you may wish to review any other optional limits of coverage on your policy which may have been increased in order to provide more protection thereby increasing your premium . One of the most obvious items is to request a higher deductible resulting in perhaps a substantially lower premium . There may be additional credits or discounts available on the policy which you are not presently receiving ; i.e. Marital Status Discount , Age Related Credits , Occupation Related Credits , Non-Smoking Credits , Central Station Alarm Monitoring Discount , Interior Fire Sprinkler Discount , Gated Community Credit , Multi Policy Credit and Accredited Builder Credit.Although most carriers do have some discount options , carriers do not all offer the same credits on their insurance programs . It would be a good idea to review your coverage from time to time in order to assure that you are still properly insured as well as paying the correct premium and taking advantage of any available program discounts .


Input: Does Medicare B Cover Dental?

Output: Medicare Part B covers most medically necessary outpatient and doctor expenses . In addition , some prescription drugs are covered under Medicare Part B if they are injectible or infusion therapy administered in a doctors office or medical clinic . Routine dental care is not a covered item under Medicare Part B . You might consider a separate dental plan if you feel you need help paying your dental bills .


Input: What Auto Insurance Limits Should I Have?

Output: The higher your liability limits , the less likely you are to lose everything you have worked so hard to attain in the case of a severe accident . Your liability limits are really your protection against getting sued if you seriously injury or kill someone in an at fault accident . I always recommend my clients get at least 250/500 coverage , and although not everyone feels they need that much coverage , the real question becomes how much do you stand to lose if you have less than that , cause a severe accident , and get sued . Your house , your future earnings , your your savings are all at risk if you do n't carry a coverage high enough to protect your assets .


Input: Can You Transfer Ownership Of A Life Insurance Policy?

Output: Yes , you can transfer ownership of a life insurance policy . Simply contact the customer service department of your life insurance company , and ask for the form needed to transfer ownership . You can fill it out , sign it , and transfer ownership of the life insurance policy to the person of your choice .


Input: Can You Transfer Ownership Of A Life Insurance Policy?

Output: As with any asset , ownership of a life insurance policy can be transferred to a new owner either by gift or by sale -LRB- or , in rare cases where the parties are less than careful , a transaction that is deemed part gift & part sale . -RRB- However , there are potential tax consequences which are important to keep in mind . Probably the most important tax trap is making a `` Transfer for Value '' of a life insurance policy . If a policy is sold , either for cash or in exchange for some other valuable consideration , the policy death benefit will fully taxable to the beneficiary unless the transfer qualifies for certain exceptions . The financial cost of having what was intended to be a tax-free death benefit become fully taxable is so high , it is imperative to check with a qualified professional before executing a policy transfer . Other tax implications include potential gift tax on the fair market value of the policy if the transfer is by gift , potential income tax on deferred gains in the policy if the transfer is by sale , and potential income tax on the fair market value of the policy if the transfer is from an employer to an employee .


Input: What Are The Best Whole Life Insurance Companies?

Output: New York Life is America 's Oldest , Largest , and Highest Rated Life Insurance Company . More than 165 years in business , and a Mutual Company , so they work for their policy holders , not stock holders . They offer both Whole Life and Term Life Policies .


Input: What Are The Best Whole Life Insurance Companies?

Output: Great question ! First I must say that I 'm a proponent of Whole Life insurance mainly because it is permanent , has a guaranteed level premium , a guaranteed death benefit , and grows cash value tax-free that is available to the owner for a number of beneficial strategies . That said the Mutual insurance companies are the best - opposed to the vast majority which are stock companies . Then consideration must be given to the strength of the company along with the history and proven payment record . There are independent rating companies the look at those things and give rating scores to all the insurance companies . Those rating companies are : AM Best , Standard & Poor , Weiss , Fitch , and the Comdex . The Mutual Insurance companies that regularly receive the highest ratings and have been around the longest are : NY Life , Mass Mutual , and The Guardian . They are all great companies with terrific products and are very competitive as far as premiums . Mass Mutual pays the highest dividends .


Input: What Are The Best Whole Life Insurance Companies?

Output: Video Transcript : Next question is , `` What are the best whole life companies ? '' Well , I have to divide that into a couple of sections . One is , what are the best whole life companies for indemnification ? And what are the best whole life companies if you 're using this for supplemental income ? There are several great carriers out there that are really good dividend paying whole life contracts . If you 're using it for indemnification , you want to look at the most benevolent underwriter , because that 's the game that has to be played in permanent whole life , because you 're going to be paying this premium for the rest of your life . So , I want to find out from an indemnification or protection point of view , who gives me the best number because of my health consideration ? The secondary part is , if I 'm using whole life for an actual income play , I want to be able to use whole life and a contract that actually is going to give me more rate of return . And that 's how I look at it ; is it income , or is it indemnification ?


Input: What Are The Best Whole Life Insurance Companies?

Output: According to your state insurance commissioner , the best whole life insurance companies are those that are admitted to do business in your state . These companies have demonstrated to your commissioner the ability to keep their promises , whether it is paying death claims or delivering cash value . There are incremental differences between the companies but stick with the company that your life insurance agent recommends .


Input: Why Are Endowment Contracts Not Considered Life Insurance?

Output: Endowments are a form of life insurance . Actually most permanent life insurance policies are endowment policies . For example , a whole life policy is actually an endowment at age 100 , or 120 depending upon the insurance company . That means when you reach age 100 or 120 the cash surrender value of the policy will equal the face amount . That is what an endowment policy is . Endowment policies were very popular at one time and I have written policies that endowed in ten years .


Input: Why Are Endowment Contracts Not Considered Life Insurance?

Output: That is an excellent question ! They are like wheat and white bread - both bread , but different kinds , and with different benefits for you . A whole life policy will generate a cash value slowly , and generally reach the point where the face value and the cash value match -LRB- or endow -RRB- at the age of 100 , or 120 in most policies . Most people will receive their death benefit before the policy would endow . An endowment policy/contract is designed to endow much more quickly - generally in either a 20 year period , or at the age of 65 . The premiums therefore are much higher than a traditional life policy . The idea here is that if you were to pass within the first few years , you would receive a big payout for few dollars , but the flip side is that you would receive an almost even payout if you were to die later in the contract . So why do it ? These policies typically pay a higher interest rate on the cash value savings building up in them than the traditional , slower policies do , and that is about the only reason . They were popular once , but have faded as a rule from popularity . Thanks for asking !


Input: How Can I Tell If My Insurance Agent Is Lying To Me?

Output: Well , if an agent 's nose starts to grow you can probably guess they are lying . Most adults and filter out when they are being lied to . The axiom , `` If it sounds to good to be true it probably is '' pretty much applies across the board . If someone makes an outrageous claim , encourages you to lie on the application , or promises their plan will do something no other plan will , they are probably lying .


Input: How Can I Tell If My Insurance Agent Is Lying To Me?

Output: If your agent is n't listening to you and just pushing numbers at you and not finding out what you truly need . unfortunately sometime insurance agents are like car salesmen they just want to sell the policy and do n't car about the clients . I have had many client that I was able to quote with the same carrier and mine was lower then what they had with the same carrier . The key is are they all applying the same discounts . Many of time they are not . If you ever feel that you are being ripped off or lied to by and agent contact your states insurance commissioner 's office and tell them your concerns they will investigate as agents are required by law to be truthful about coverage 's . In many cases I have seen other agencies tell a client that an agent is lying just to close the sale . If your agent is bad mouthing another agency that would be a huge red flag for me . Our agency if we are not the best fit for you we gladly recommend other agencies that may be able to fit your needs .


Input: How Can I Tell If My Insurance Agent Is Lying To Me?

Output: When his lips are moving ! No , I just could n't pass that one up . There are agents who twist the truth but just as well there are insurance applicants -LRB- buyers -RRB- who are less than honest too . I think when dealing with people , it 's fairly easy to pick up on the agent 's -LRB- or the customer 's -RRB- honesty or lack of it . If you feel pressure from the agent . If they speak in absolutes -LRB- the best , the cheapest , etc. -RRB- or run down other agents or other companies with things that you ca n't verify ... you should look for a different agent .


Input: How Can I Tell If My Insurance Agent Is Lying To Me?

Output: Most agents are not going to outright lie about anything material to a policy . They can be sued if they lie . Some do not tell you everything . If they show you an illustration , are there missing pages ? Do they tell you the good and the bad about what they are showing you . Is the information they are giving you verifiable ? Are they local ? A local agent who has been in the community for years is less likely to be deceptive , his reputation is at stake . How long has the agent been in business ? Again , reputation means a lot , but do n't get me wrong , new agents are honest too . It is just one factor to look at . When you receive your policy go over it with the agent and make sure the things he told you are in the policy and question anything that looks different . If you still do n't have a good feeling then either turn the policy in , most have a free look provision , or get a second opinion from someone you trust .


Input: What Is The Average Health Insurance Per Month?

Output: The average cost in the country for a health insurance plan is $ 328 per month - however , this is only reflective upon a silver level plan -LRB- not all 2014 state figure averages are available yet -RRB- . While you can try to come up with an `` average '' cost , there 's too many factors that go into premium pricing to say how in relation that compares to you . In short , an `` average '' premium is a rather useless figure to the individual . It 's only representative to a large group - you could have people paying a small nominal amount -LRB- after factoring in subsidies -RRB- per month to several thousand dollars per month . Even for that there 's a ton of information to sift through to get an accurate representation . Under the Affordable Care Act , you have the options for bronze , silver , gold , and platinum level plans -LRB- as you go up in metal , the price goes up , but provides better benefits -RRB- - some areas also have a catastrophic plan available . In addition , your age is a big factor as well . The younger you are , the cheaper your premium - the older you are , the higher your premium . Also , if you use tobacco products , your premium can be increased up to 50 % as well . You may be able to qualify for a subsidy that can be used to reduce the cost of your health insurance premiums . I always recommend consulting with an experienced broker . We can help you determine the plan that 's going to be most suitable for your needs and budget . Please let me know if I can be of further assistance . Thanks very much .


Input: Can Health Savings Accounts Be Used For Insurance Premiums?

Output: Health Insurance Premiums can only be paid for with funds from a Health Savings Account under certain circumstances . The situations where Health Insurance premiums can be paid by a qualified distributions from a HSA is when an individual is over age 65 and paying for Medicare , when an individual is being covered by COBRA health care continuation coverage , and health care coverage while an individual is recieving unemployment compensation . That being said , one should try to avoid using their HSA for such purposes unless absolutely necessary . Your HSA is earning compound interest on the funds in your account , and at age 65 you will be able to start recieving distributions from the account in almost the exact manner as if it were an IRA . Given the benefits of having a duel health care expense/retirement fund that has a `` healthy '' ballance , one should try to minimize unnecessary distributions .


Input: How Much Life Insurance Does Someone Need?

Output: It depends on age and circumstances . A young person with a family , mortgage , and other debt will want to carry more insurance than a single person or an older person who has no children to support . The best thing is to sit down with a good agent who will do a complete evaluation of your situation and help you determine how much life insurance you need and find an affordable way to help fill that need . At a minimum always carry enough insurance to pay for final expenses , pay off debt , and provide an emergency fund for a surviving spouse , usually at least 6 months income .


Input: How Much Life Insurance Does Someone Need?

Output: There are several things to consider when purchasing life insurance . The first is insurable interest . Who stands to lose financially if you died today ? A spouse , children , loved one or even business partner ? Who would be left owing your debt or who depends upon your income ? Once you answer this question , next is how much is needed to satisfy this debt or income replacement ? Now how long would it take to cover this loss ? In other words , how long do you need to repay that debt or how long until your partner or loved one could earn their own income ? Once you have the answers to these questions it will become clear how much life insurance you need and how long do you need to carry it . I recommend using an experienced independent life insurance broker that can shop the market to find you the best coverage at the best price to cover your unique situation .


Input: How Much Life Insurance Does Someone Need?

Output: It depends on your individual situation . Everyone is different so there is no single answer to that question . I usually recommend enough to pay final expenses . The national average right now is between $ 5000 and $ 15000 . My recommendation for final expenses would be at least $ 25000 to help allow for inflation . There are a lot of factors to consider , debt , family situation , and a variety of other factors . Sit down with a good experienced independent agent . A good agent will help you find an affordable solution to your goals and needs .


Input: How Much Life Insurance Does Someone Need?

Output: The biggest factor influencing life insurance need is income and how much of that income needs to be replaced . For example , if someone is making $ 100k , they are probably bringing home about $ 5-6k / month , which is what needs to be replaced . You can initially use a multiple of salary to get a rough estimate . 8-10X income is a good rule of thumb , depending on their age and income level . In other words , if someone is young and they have kids and the wife is home , and cash flow is tight , they are probably going to need 12X income . If their income is higher , and/or they are older , then it is probably closer to 8X income . Capitalizing their monthly take home pay , if that is what it takes to run the house hold gives you the most accurate estimate.Using the example above , if they are taking home $ 5k/month , that is $ 60k/year . If you divide that number by 5 % , you get a pretty accurate figure of $ 1.2 million , which happens to be 12X income .


Input: What Are The Guidelines When Applying For Life Insurance?

Output: Here are a few guidelines for applying for life insurance . If applying for Term or Permanent insurance that is medically underwritten , you can fill out a long application with all your information , or you can often do a phone interview directly with the life insurance company to complete the application . You will then be scheduled for an exam in your home or other place of your choice . When you are approved and the policy is received , you have a month to look over the policy before deciding whether to keep it . If applying for a No Exam policy , you may do the entire application on the phone with your agent , sign it digitally , and have a policy within days . You usually need to have a checking account so they can draft the first premium . With all life insurance policies , you will need to provide contact information and Social Security Number . For most , you will provide health details and permission for the life insurance company to order your medical records if needed . Your information is protected and kept private .


Input: Will Medicare Pay For A Tummy Tuck?

Output: This is a great question . Medicare covers a lot of medical services however , cosmetic services , they typically do not cover . You can contact medicare directly or your insurance company -LRB- if you have a medicare advantage plan -RRB- to see if you can get an exception based on your personal situation .


Input: Is A Physical Required For Term Life Insurance?

Output: You may or may not need to perform a medical exam in order to purchase a term life policy depending upon your age , the size of policy , and premium rates . Each insurance has different age and policy size combinations for when medical exams are needed , and the type of exam required : blood , urine , or other tests . You can also avoid physicals by identifying carriers that offer no exam policies , but expect to pay more in premiums .


Input: Is A Physical Required For Term Life Insurance?

Output: For everything other than `` final expense '' insurance , in amounts of about $ 25000 or less , yes , a physical will be required . This is for your good too . It allows the carrier to provide you with the very lowest rates . Do your best to take care of yourself especially during the two weeks prior to your exam . It is amazing how the body can heal itself . Thank you . GARY LANE .


Input: Is A Physical Required For Term Life Insurance?

Output: It depends on your age and the face amount of life insurance applied for more than whether it is term life or cash value life insurance whether you will be required to take a physical . There are policies that can be purchased up to $ 300,000 face amount on a non medical or simplified issue that do not require you to take a physical for a slightly higher premium .


Input: Is A Physical Required For Term Life Insurance?

Output: There is a life insurance carrier that will offer up to $ 1,000,000 of term or permanent coverage with no physical exam if you are healthy . They offer this no exam option for clients who fall in the top two health classes . I have used this product for clients that need life insurance coverage in the shortest amount of time possible . Beyond that carrier there two that I know of that go up to $ 399,999 without and exam . Both can be done over the phone and often they can be issued in as little as 24 hours .


Input: Is A Physical Required For Term Life Insurance?

Output: The need for a physical does not depend so much on the type of policy you buy , but the face amount for which you are applying . Both term and life insurance policies will require an exam if the face amount is large enough , and the number of tests done in the exam will increase if the face amount is very large . There are No Exam policies now that provide over $ 100,000 of life insurance , and sometimes their rates are very reasonable . This is especially true if you are somewhat overweight , have type 2 diabetes , or some other situations . Please do n't hesitate to contact me if you 'd like to avoid a life insurance exam , and want to see the lowest Term rates you can get .


Input: How Can I Save Money On Car Insurance?

Output: You can take a defensive driving course and get a discount on your auto . It can vary based on what state you live in . You can take a look at your deductibles as well . You may have a very low deductible and not even realize it . You should make sure how much you use your vehicle is how it is listed on the policy . Many insurance companies choose rate based on how long you commute to work and / or how many miles you drive the vehicle per year . That can change throughout the years so make sure that is up to date on your policy


Input: How Can I Save Money On Car Insurance?

Output: There are many things you can do to lower your insurance rates . Many agents will tell you to raise your deductibles however this is NOT always the best solution . Example would be lets say you had a $ 100 deductible for comprehensive coverage with most carriers raising it to 500 lowers it only about 30.00 a year but you put 400 more out of your pocket before the insurance company pays anything . So Higher deductibles may not be the best option for you . Also yes you can take a safe driver course but this lowers your policy on average on $ 50 a year with many carriers so that is n't much of a savings If you do not have a lot of assets then lowering you liability limits is a options . Some agencies refuse to write you with lower limits . Your best option is to shop with another carrier and talk toa local agent who has many carriers .


Input: What Are The Benefits Of Having Disability Insurance?

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


Input: What Are The Benefits Of Having Disability Insurance?

Output: What are the benefits of having disability insurance ? The ability to continue to meet financial obligations is probably the greatest benefit as Disability insurance could be called paycheck insurance . If you get sick or injured away from work , disability insurance kicks in to provide a paycheck to help you contine to meet your obligations .


Input: What Are The Benefits Of Having Disability Insurance?

Output: PEACE OF MIND ! When you have disability insurance , you can take comfort in knowing that you 'll still have an income even if you 're unable to work due to an illness or injury . And depending on the time of own occupation definition you get , you might even be able to go back to work part time or full time -LRB- in a different occupation -RRB- and still receive full benefits .


Input: What Are The Benefits Of Having Disability Insurance?

Output: Ask yourself these questions : If I were to have an accident and laid up for three to six months , how would I pay my bills ? Do I have savings ? What is that savings meant to be for ? Will I be able to continue running my business ? If yo can answer these questions and still not see the need for disability insurance , then maybe you do n't need it . Most people do .


Input: Is Auto Insurance Mandatory In Ohio?

Output: Auto insurance is mandatory here in Ohio . As an Ohio broker since 1980 -LRB- Has it been that long ? -RRB- , we help consumers meet the mandatory minimum liability requirement in the most affordable way . By shopping multiple companies , consumers can view and compare the lowest rates . Also , keep in mind that it is always a good idea to consider liability limits higher than what is legally required . Although youthful rates can be a bit expensive , as you get older , rates typically reduce quite a bit . This is an ideal time to review your existing coverage . Ironically , the Ohio state minimum limits were recently increased from $ 12,500 / $ 25,000 to $ 25,000 / $ 50,000 . It had been quite a while since the limits were increased .


Input: Is Medicare Always Your Primary Insurance?

Output: No , Medicare is not always primary . If you are still working and have group coverage then Medicare could be secondary . If your employer has more than 20 employees then your Medicare would be secondary . In most cases , however , Medicare is primary . If you have a Medicare supplement , the supplement is secondary .


Input: Which Car Should I Buy For Cheap Insurance?

Output: Typically , the lower the sticker price , the cheaper it is to insure the vehicle . In fairness , it is not that simple , but it 's a great starting point . Sports and luxury cars will be the most expensive to cover while smaller vehicles loaded with safety equipment will tend to cost the least .


Input: Does Medicare Pay For Chiropractic Work?

Output: Medicare Part B covers outpatient charges , including doctor visits . Your chiropractor must comply with Medicare license requirements . There are no annual or monthly caps on the number of visits . Only medically necessary treatments are covered by Medicare . If your chiropractor accepts assignment they are not allowed to balance bill for excess charges .


Input: What Does Whole Life Insurance Cover?

Output: Whole Life Insurance covers death by any reason , just as all life insurance covers . This includes death that is the result of illness , accident , or `` old age '' . The policy will pay a cash benefit to the beneficiary named on the policy upon the death of the insured person . Whole Life lasts ones ' `` whole life '' and is a form of permanent insurance .


Input: Is Medicare Different From State To State?

Output: Not as a rule . Medicare is a Federally funded program under the jurisdiction of the Center for Medicare and Medicaid Services or CMMS . CMMS sets the rules and they are uniform throughout the States . Some of the reimbursements to doctors may differ based on the area and health care costs in that area but that has no real effect on the Medicare recipient .


Input: When Should You Get Long Term Disability Insurance?

Output: You should get long term disability insurance as soon as you begin working for a living . When you start out , like most hard working Americans , you need to work and earn an income in order to live . This ability becomes your most valuable asset . It is always prudent to insure your most valuable asset . Disability replaces the lost income due to an injury or illness so serve you can no longer work .


Input: Why Is It Important To Plan For Retirement Now?

Output: The longer you plan for retirement , the beterchance you have of being able to retire . You never know what curve balls life is going to throw your way . Putting away money while you can is always the best strategy . Even if you go into retirement with no debt , it can take 70 % of your pre-retirement income to maintain the lifestyle you want to lead . Starting now will give you time to reach your goals without having to sweat too much if you get sidetracked along the way .


Input: What Is IDBI Federal Life Insurance?

Output: IDBI stands for Industrial Development Bank of India . IDBI Federal Life Insurance Co Ltd is a joint venture of IDBI Bank -LRB- a development and commercial bank -RRB- , Federal Bank -LRB- a private sector bank -RRB- and Ageas , a multinational insurance company . IDBI Federal Life insurance is offered to the residents of India .


Input: How To Select Long Term Care Insurance?

Output: First research your states long term care -LRB- LTC -RRB- facility cost to establish a base line . Then determine the projected cost based into the future on the last five years . Then begin the due care examination of long term care policy provisions , especially the most liberal inflation rider . There are only a half dozen LTC insurance companies , so obtaining a spreadsheet on premium and provision with definitions is a key to comparing companies side by side . A universal selection that could be a reference point for your research would be Genworth .


Input: What Does Life Insurance Cost Per Month?

Output: Life insurance costs can range from $ 10/month for a small policy on a child , to almost no limit on a huge business policy . Not only does the amount of the policy and age of the applicant figure in the cost , but the type of life insurance you purchase does , as well . A very short term policy will usually cost far less than a 30 year Term or Permanent policy . But if you look at the big picture , buying one long policy may cost less than buying several short ones . To see what the different lengths of policies cost for you , visit a website that offers free , instant quotes . Then call to talk to an agent personally so that you are placed with a policy that has the best prices for your age and health .


Input: Can I Buy A Life Insurance On Someone Else's Life?

Output: You can buy life insurance on someone else 's life if you have an insurable interest in that person . E.g. . If an unrelated person owes you money , you could get a life insurance policy on their life with a face amount of approximately the amount that they owe you .


Input: Can I Buy A Life Insurance On Someone Else's Life?

Output: Yes , you can . There are two ways of doing it : 1 . With the cooperation of the insured . This means that you have some personal or business connection . You would sustain a loss in the event of his unfortunate death ; he knows it ; and would be willing to have us life insured for your benefit . Any mainstream carrier would offer coverage assuming he qualifies . 2 . Without the cooperation of the insured . This is very tricky but can be done . There are excess-market carriers that will provide a policy without the insured knowing about it , under very extreme circumstances . One example is a husband who is just being a real bad guy in a divorce , and is refusing to support his ex-wife and kids .


Input: Is Rhinoplasty Covered By Health Insurance?

Output: Rhinoplasty is generally nose surgery performed for cosmetic purposes and health insurance does not cover cosmetic surgery -LRB- unless it is for restorative purposes such as after an accident or cancer -RRB- . That is not to say that rhinoplasty would never be covered but it would have to be for medically necessary purposes . If you have had chronic health problems caused by your nasal passages it is possible that your insurance carrier will cover this procedure if it is determined to meet the criteria of medical necessity to solve the problem . Sometimes this can result in some real hair splitting with part of the procedure being deemed medically necessary and part of it cosmetic , resulting in only partial coverage for the procedure by the insurance carrier . How the doctor codes the procedure can be an important aspect ofwhether the procedure is approved and how the claim is eventually paid . Just remember , your insurance company thinks you are beautiful just the way you are .