Input: Does HPV Affect Life Insurance?

Output: I contacted a life insurance underwriter for this answer , and they said : `` In general would postpone until a colposcopy biopsy has been done and she has a normal pap '' . Once the pap smear is normal , the best possible rating class is possible even with the presence of the Human Papillomavirus .


Input: Does HPV Affect Life Insurance?

Output: Generally , no . However , like most things in life : it depends ! Early detection and treatment is unlikely to present a challenge in the life insurance underwriting process . In the event of other conditions , related and otherwise , the outcome might vary . But in most cases I would expect the best underwriting classification would remain available .


Input: Does HPV Affect Life Insurance?

Output: If the applicant with HPV -LRB- Human Papillomavirus -RRB- has had a colposcopy biopsy done and if the PAP smear is normal , the best underwriting lass is available -LRB- that is , if all other health factors , weight , etc point to the best underwriting class -RRB- .


Input: What Does Life Insurance In Force Mean?

Output: Life insurance in force is the total life insurance coverage contractual active whether its personally owned , for business insurance and/or part of a group benefit . This also includes any life insurance policy you sold to someone else in a life settlement transaction . Future life insurance purchases will takeintoaccount the total life insurance in force .


Input: What Does Life Insurance In Force Mean?

Output: In the context of an application for life insurance , the insurance company wants to know from the proposed insured how much life insurance death benefit currently exists on their life from all active policies regardless of who is the owner . They usually ask for details of each active policy and whether or not the new coverage applied for will replace any of the active policies . The reason for the question include determining if the applied for amount is reasonable and within the maximum coverage limit on the proposed insured .


Input: What Does Life Insurance In Force Mean?

Output: Life insurance in force means the sum of the value of all of your life insurance policies , including dividends paid . It also refers to the final stage of the life insurance application process . After the policy has been approved , issued , paid and all delivery paperwork returned , your life insurance policy is officially put in force .


Input: What Does Life Insurance In Force Mean?

Output: What does life insurance in force mean ? On a individual life insurance in force means how much death benefit a person has that is paid and active on a given day . For a life insurance company , in force means the total of all policis they have issued and that are currently paid . In force represents the insurance company 's obligation to policy holders .


Input: What Does Life Insurance In Force Mean?

Output: This would be the total amount of life insurance you have on yourself or the company has on all of its policy holders combined depending onwhetheryou are speaking of an individual or the insurance company . In the case of the individual , gather up all of your insurance policies and add up the face amounts todeterminehow much life insurance you have on yourself . The insurance companies produce an annual report that shows the total amount of life insurance they have on all of there policy holders .


Input: What Does Life Insurance In Force Mean?

Output: If referring to the time when your life insurance policy goes in force , it is the same as saying your life insurance is in effect . It means that the application process is over and that your policy would now pay the death benefit if something were to happen to you .


Input: Does My Small Business Have To Provide Health Insurance?

Output: You may be thinking of the Obamacare requirement that mandates employers provide health insurance for their employees or pay a penalty tax . The employer mandate does not apply to businesses with fewer than 50 full time employees . A full time employee means non-seasonal , W2 classification . Businesses that use seasonal or 1099 employees are exempt as long as their full time employee count is below 50 .


Input: Does My Small Business Have To Provide Health Insurance?

Output: This remains an area of great confusion to many small business owners . If you have less than 50 employees the answer is `` No '' . The employer mandate provision of the Affordable Care Act -LRB- ObamaCare -RRB- apply to employers with 100 or more full time employees beginning in 2015 and for employers with 50 to 99 full time employees in 2016 . Please note that when I use the term full time employees this means employees who work 30 + hours per week and also includes what are referred to as full time equivalent employees -LRB- FTEs -RRB- . FTEs are part time employees whose work hours are totaled up according to IRS approved calculations that are then translated into some number of full time employees to be added to the employer 's regular full time employee count to arrive at a total employment figure that may determine whether an employer is subject to the employer mandate provisions of the Affordable Care Act or is eligible to participate in the SHOP -LRB- small business group insurance -RRB- offering -LRB- s -RRB- in the government health insurance marketplaces . Totally simple , right ? Any business owner would be well advised to seek out a knowledgeable health insurance broker/consultant to assist them is making these determinations and explaining the record keeling , tracking and reporting requirements the employer may be subject to under the Affordable Care Act . Getting this stuff wrong could have serious tax implications for the employer . If I can be of any assistance to you in this matter please feel free to contact me as I am a Chartered Benefit Consultant .


Input: Does My Small Business Have To Provide Health Insurance?

Output: As a small business -LRB- under 50 FTE lives -RRB- , PPACA will eventually offer you an ability to send your employees to the exchange where they can select from several carriers . The Federal Exchange in Georgia -LRB- check your state to determine whether they have an exchange or are using the federal exchange -RRB- will not be ready to offer multiple choices -LRB- PPACA SHOP Plan -RRB- until 2015 . We believe , at this time , the employer may select a single carrier and plan to offer if they so chose . Talk with a licensed agent about your state 's program as state exchanges may allow multiple choices .


Input: How Can I Get Homeowners Insurance After Non-Renewal?

Output: An insurance company may choose to not renew your policy for a variety of reasons . If the condition that caused the decision to non-renew is corrected , it is likely that the company or another company will assume the risk . There are companies that specialize in distressed property risks and will take on some very difficult properties . However , if the company non-renewed because your house is about to be lost to a natural condition such as erosion of a mountain , a sinkhole , or similar condition , you are unlikely to find anyone interested in insuring your home .


Input: How Often Will Medicare Pay For A Pap Smear?

Output: The annual exam for women includes a routine physical , most blood work , mammograhy , GYN exam including a pap smear . Some women may require more frequent GYN exams and a follow up pap smear . This is especially true if the last pap smear showed abnormalities or was ambiguous . Your doctor can advise regarding what is covered , what is not .


Input: Is Health Insurance Mandatory Now?

Output: Starting January 2014 regulations set forth in the Patient Protection and Affordable Care Act mandate that all individuals must have health insurance that at very least qualifies as MEC -LRB- minimum essential Coverage -RRB- . In pursuit of equitable coverage options there have been several regulations that will assist most individuals . If a individual works for a business that does not provide health insurance that meets MEC standards or if the premiums for the employer health plan is greater then 9.5 % of a individuals MAGI then they will be able to obtain coverage through the insurance exchanges , State/Federal/or Private . Depending on the relation of their income to the federal poverty line the individual may be entitled to a federal subsidy that will help them to pay the cost of the health insurance in part or in full . If an individual chooses not to obtain health insurance then they will be subject to a penalty of just over $ 1,100 a year for 2014 . The penalties will increase considerably in 2015 and then again in 2016 .


Input: Can Apartments Require Renters Insurance?

Output: In a word , yes they can require renters insurance as a condition of their rental agreements . They do this to protect their interest in the rented property , of course , but it makes great sense to obtain renters insurance even if they do n't require it . Renters insurance protects you and your personal belongings from loss or legel action due to any action for which yo may be held legally liable .


Input: What Is A Medicare Replacement?

Output: Original Medicare has been in existence since 1965 when Lyndon Johnson signed the bill making it law . Original Medicare had Part A -LRB- hospital -RRB- and Part B -LRB- doctor and outpatient -RRB- . Almost immediately a few carriers saw an opportunity to market supplemental coverage to pick up the gaps left by Medicare . Medicare Part C -LRB- later called Medicare Advantage -RRB- began in 1997 . These private insurance plans gave seniors an option for a managed care private plan vs original Medicare .


Input: Is Divorce A Qualifying Event For Health Insurance?

Output: Great answer Kevin . I would add that most States only allow 60 days to app.y for a new plan from the date your insurance ends so do n't dilly dally Also , once you choose COBRA and make your first payment you may not cancel COBRA to move onto a different plan until Open Enrollment . Example , you have paid for COBRA for 6 months and decide it 's too expensive , outside of Open Enrollment , you will not be able to use `` Loss of Job '' to purchase a different plan . You must wait till the next Open Enrollment -LRB- which is 11/15/14 for a 1-1-15 effective date for 2015 .


Input: Is Divorce A Qualifying Event For Health Insurance?

Output: A change in marital status is a qualifying life event . This enables you to purchase new health insurance coverage outside of open enrollment . Also , the person carrying the husband/wife coverage can drop the spouse from the plan . The change in coverage must be consistent with the qualifying life event . You can choose between COBRA coverage , which requires payment of the full premium with no employer contribution . Or , you can purchase a plan through the state insurance exchange and may be eligible for premium subsidies depending upon your income .


Input: Will Homeowners Insurance Cover Iphone?

Output: The basic answer is no , unless you have scheduled it . What this means is that homeowners insurance will cover some lost/stolen/broken items when you are away from your house . Typically cell phones and electronic devices are excluded ; however , cell phones and electronic devices can be scheduled on your policy . This means that they are specifically named as an item in your policy that will be covered in the case of a covered peril . I , however , do not recommend doing this because the deductible for your homeowners policy is usually much higher than a stand alone policy you can get for a phone .


Input: Do You Need Car Insurance In California?

Output: If you own a car that you are driving , you need evidence of Financial Responsibility . Car insurance is the most common form . Here are your options : Motor vehicle liability insurance policy . Cash deposit of $ 35,000 with DMV . DMV-issued self-insurance certificate . Surety bond for $ 35,000 from a company licensed to do business in California .


Input: Do You Need Car Insurance In California?

Output: Auto liability insurance is required in every state . You can get away without collision and comprehensive coverage if you own the car with no loan , but every driver is required to have liability insurance . The penalties for not having insurance tend to be very steep and minimum coverage tends to be pretty cheap so do n't break the law and drive without proper liability coverage .


Input: Do You Need Car Insurance In California?

Output: If you operate a vehicle in the state of California the vehicle must be insured . You are not required to be the owner of the vehicle because in California insurance follows the vehicle . So in other words if a friend loaned you his or her car that fried is responsible for the insurance on the vehicle . If you did carry your own insurance your insurance would become secondary to the primary vehicles insurance . However , at the end of the day the vehicle must be insured to be operated on the road or you may be subject to stiff penalties . On a side note not all vehicle insurance has permissive driver use . I recommend you always consult with your insurance company to find out what exclusions may apply .


Input: Do You Need Car Insurance In California?

Output: I have been driving a car , mostly in California , for almost fifty-eight years . Fifty-six years ago I had a minor fender bender that resulted in a claim for about $ 100 . I have paid out approximately $ 90,000 in insurance premiums . That doesnt seem like a very good deal , however , if I had ever hit a kid in a cross walk as someone in my neighborhood did recently , I could have never paid the $ 750,000 + judgment . Yes , in California we have financial responsibility laws but insurance is the only reasonable way that most of us can take care of this issue .


Input: How Much Can I Save For Retirement Per Year?

Output: There are ways to save your entire income for retirement if you desire . There are tax qualified plans that defer the taxation on a retirement program and they have annual contribution limits . If you are choosing to save for retirement using 401 -LRB- k -RRB- elective deferral , if you are eligible for a 403 -LRB- b -RRB- or a 457 Deferred Compensation plan , you could reduce your taxable income by up to $ 18,000 in 2015 . If you are over age 50 you can increase those limits by $ 6,000 . You can make contributions to a simple IRA and reduce your taxable income by $ 12,500 and add on an additional $ 6,000 if you are over age 50 . You can establish a defined benefit pension plan and reduce your income by $ 210,000 in 2015 . If you use a defined contribution plan you can reduce your taxable income by up to $ 53,000 . There are a variety of other limits depending upon whether you have highly compensated employees or key employees . The other most important limitation is on the ability of a person to participate in a Roth IRA . The maximum income you can have for a single tax payer is $ 131,000 to participate in a Roth IRA . If you are married the maximum income limit is $ 193,000 . Notice I didnt say anything about reducing taxable income . The Roth IRA is funded with after-tax income ; however , qualified withdrawals can be received income tax free .


Input: How Much Can I Save For Retirement Per Year?

Output: You can save as much as you like for Retirement per Year . Some Retirement vehicles have limitations as to the amount you can contribute each year and others which really do not have a limit . What you need to look at is first , after I cover all my expenses , what is left ? Make a commitment to putting that or some of that aside into a retirement vehicle . I would recommend a ROTH IRA for starters . IF you have access to a 401 -LRB- k -RRB- through your employer I would recommend contributing to that especially if the company matches your contribution . If they only match up to a certain percentage then see if you can contribute up to that amount . Talk to your adviser to see which option or options might be best for you .


Input: Can I Cancel My Home Insurance Policy At Any Time?

Output: The insurance company will cease coverage upon your request . Your lender might not be so forgiving . The lender usually has the right to place insurance on the home if you fail to provide insurance . When the insurance company ceases coverage they are required to notify your lender . Most homeowners are not pleased when this occurs .


Input: Can Everyone Get Car Insurance?

Output: Everyone with a valid drivers license should be able to secure auto insurance with one carrier or another . Since auto insurance policies coverages are established on an individual basis the rates will vary from person to person . Contact a local agent to find out about coverage availability and pricing within your area .


Input: How Much Does It Cost For A Million Dollar Life Insurance Policy?

Output: That is a great question , and one that I 'd love to give you an answer to , but there is a lot more information that an agent would need to know to give you a realistic quote . Term or whole life ? How is your health ? Your age and gender make a big difference in the price , as does your smoking preference . Do you have existing insurance coverage ? If so , what percentage of your annual income does it cover ? All of these things play a part in what -LRB- if any -RRB- coverage you might be able to get , and the cost of the policy . If you 'd like to inbox me your specifics , I can give you a better idea . Thanks for asking !


Input: How Much Does It Cost For A Million Dollar Life Insurance Policy?

Output: You can go to a website that offers instant life insurance quotes to see what a million dollar term life insurance policy might cost for you . Some -LRB- like ours -RRB- will even allow you to put in some health information to get a more accurate quote , although your quote will never be optimally accurate until you have conversed with an agent . That last step of covering your health details completely can save you hundreds or thousands of dollars on a million dollar life insurance policy . And that way your agent can guide you to getting the most cost effect policy for your needs in the long run .


Input: How Much Does It Cost For A Million Dollar Life Insurance Policy?

Output: I would n't be able to provide a figure for your without knowing more about what coverage structure you 're looking for and your medical history . The cost -LRB- premium -RRB- for a $ 1,000,000 life insurance policy depends on a number of factors so it will be different for everyone . These factors include their age , gender , how long they want the coverage for -LRB- 10 , 15 , 20 , 25 , or 30 year term insurance vs. permanent insurance -RRB- , and their risk classification -LRB- determined by the medical history -RRB- . The risk classification is the MOST critical factor in determining the cost -LRB- premium -RRB- of a life insurance policy . The risk class depends on a number of factors including whether you 're male or female , your medical history , height/weight profile , any tobacco usage , and other factors . Please keep in mind - every carrier has their own set of underwriting guidelines , and each may offer a different risk class for a given medical profile - e.g. company A may offer preferred -LRB- featuring lower rates -RRB- and company B may only offer standard -LRB- featuring higher rates -RRB- . I would suggest consulting with an independent life insurance broker who can work with you on a personal level -LRB- please feel free to contact me for this as I am one -RRB- and help determine which carrier will be able to offer you the desired coverage at the lowest possible cost . Online `` instant quotes '' only provide input based on teh factors entered in , but not necessarily what you will qualify for - this is why talking to an agent is critical for providing the most accurate information for you . I hope the information is helpful - please feel free to contact me for assistance with your coverage , including quotes and policy comparisons , and if you have any other questions . Thanks very much .


Input: How To Cancel My Blue Shield Health Insurance?

Output: If you are covered under an individual health insurance policy you should be able to either contact your insurance broker to request their assistance in terminating your policy or contact Blue Cross/Blue Shield 's member services department to request a termination form . If you purchased your individual coverage through the Federal or a state insurance marketplace and are receiving a premium subsidy then technically you should go through Healthcare.gov to cancel your coverage . Be prepared for this to be as much of a challenge as you may have had in enrolling through the government marketplace in the first place . There have been reports of consumers havingissues in getting their marketplace purchased policies terminated even when they have been repeatedly assured that their request is or has been processed . If you are talking about cancelling your coverage through a group plan then you should visit with your HR department , the business owner and/or the insurance broker that your employer uses . If you are enrolled in a group health plan and having your share of your premium taken out of your paycheck on a pre-tax basis under a Section 125 plan then simply cancelling your coverage because you feel like it may be a problem . Generally , under the provisions of a Section 125 plan once an employee is enrolled and their premiums are being taken out on a pretax basis you are essentially locked into your enrollment until the next open enrollment period unless you have what is called a change of life status event -LRB- getting married , divorced or having a child are common examples of change of life status events as viewed by the IRS -RRB- .


Input: Can You Be Forced To Have Renters Insurance?

Output: Your landlord can require it as part of his lease . This is an extra protection for the landlord in the event of a lawsuit . Renters insurance is usually not very expensive and is well worth the cost . It not only protects you from liability but will also help replace your personal property in the event of a covered loss .


Input: Does Humana Part D Cover The Shingles Vaccine?

Output: Zostar is listed as the medication of choice for the shingles Vaccine . While it is covered by Humana 's Part D Medicare prescription drug plans for 2015 , you will bear a large portion of the retail cost , known as -LRB- co-insurance -RRB- between 35 % and 44 % . If this cost is a concern , you could consider calling the manufacturer , and see if they have any low cost programs for people with limited incomes . Additionally , if pricing is an issue , and could keep you from needing the medications you need , take a trip down to the local Social Security office , and see if there is any Low Income Assistance available . Finally , as insurance company 's plans change from year to year , do yourself a favor and stop by , or call your carrier and request to see a trained insurance agent who has completed the specific training not only for Medicare Supplements , but also for Medicare Advantage and Medicare Part D . The superior agents will have contracted with several insurance companies to be able to offer you several choices . If your agent has not gone through this extensive training , he or she can not offer you all the alternatives you need to make an informed decision . Find an agent that has taken the time and effort -LRB- and it is a lot of effort ! -RRB- to properly prepare themselves for this important Annual Election Period .


Input: Does Humana Part D Cover The Shingles Vaccine?

Output: The shingles shot isnt covered by Medicare Part A -LRB- Hospital Insurance -RRB- or Medicare Part B -LRB- Medical Insurance -RRB- . Generally , Medicare prescription drug plans -LRB- Part D -RRB- cover all commercially-available vaccines -LRB- like the shingles shot -RRB- needed to prevent illness . Zostavax -LRB- PF -RRB- is a Tier 4 medication under all three Humana Stand Alone PDPs Humana Walmart PDP has a 35 % coinsurance after $ 320 deductible is met Humana Preferred Rx PDP has a 35 % coinsurance after $ 320 deductible is met Humana Enhanced PDP has a 44 % coinsurance -LRB- this plan has no deductible -RRB-


Input: What Exactly Does Life Insurance Maturity Mean?

Output: Life insurance maturity is the date at which the face amount of a permanent life insurance policy is paid to the beneficiary stated in the policy -LRB- in case of death -RRB- or to the policy holder -LRB- if the insured is still alive when the maturity date is reached -RRB- . In Whole Life , the maturity date coincides with endowment , or the accumulation of cash value to equal the face amount .


Input: Can I Rollover Life Insurance?

Output: Assuming that by rollover you mean exchange your existing cash value life insurance policy for a new one , heres the answer . Under the 1035 exchange rules you can transfer from one life insurance company to another without taxation on the gain or use the proceeds to carry forward basis . A limited inventory of life insurance companies accept 1035 exchanges with policy loans .


Input: Can You Keep A Car On The Road Without Insurance?

Output: Not legally if your state requires auto insurance coverage for all licensed drivers . If you own a vehicle and do not have auto insurance and operate that vehicle without coverage you open yourselft up to potential fines and/or suspensions . You also open yourself up to possible financial hardship should you be involved in an accident that you are deemed at fault for .


Input: Can You Keep A Car On The Road Without Insurance?

Output: In the State of North Dakota , you are required to have a drivers license to legally drive a car alonewithout fines or penalties . However , there are a few insurance companiesthat will insure you and a vehicle if you have a permit and you own a vehicle . If you are driving the vehicle you own with a licensed driver you will be able to legally operate your vehicle and have it insured in your name .


Input: Roughly How Much Is Car Insurance?

Output: There are millions of factors when it comes to your rates from your age to your driving record in Montana you sex makes no difference but in other state if you are a male you are paying higher rates also it depends on the area you live in and how many accidents that are . A classic example would be if you are young and driving a truck and living in the highest rated area your rates could be 400 a month with full coverage but as love as 50 a month with liability only But live in a different area it could be as low as 30 a month . I recommend you contact a local agent who can compare rates with many carriers . Like our agency we answer the 24/7 you may be able to find that in the area you live in


Input: Roughly How Much Is Car Insurance?

Output: Car insurance rates will depend on many factors , including your age , where you live , your driving record and the type of coverage that you have . Shopping is not fun or easy . Therefore , treat yourself to the experience of a broker that will take the time to find the best options for you . And brokers do not charge a fee !


Input: How To Cancel Assurant Renters Insurance?

Output: To cancel any insurance policy your best option is to contact your local agent and notify them of your intent to cancel your policy . They will more than likely request that you put your cancellation request inwritting or sign a cancellation form for their records . In some cases you may be able to email your carrier or local agent with your request .


Input: Why Buy Medigap Insurance?

Output: If you want to help fill in the gaps that Original Medicare does n't cover , then you should consider buying Medigap -LRB- Medicare Supplement -RRB- insurance . A Medigap Policy can help pay your share of Medicare-covered services -LRB- the co-insurance , co-pays and deductibles -RRB- . Generally , Original Medicare Part A and B only cover 80 % percent of your health care costs , leaving you with the remaining 20 % to pay out of your pocket -- unless you have a Medigap Plan . If you have a significant health issue arise , twenty percent can get hit your budget pretty hard . A $ 3,000 procedure will cost you $ 600 in co-insurance . A $ 10,000 procedure will cost you $ 1,000 . Surgery costing $ 100,000 will leave you with a hefty $ 20,000 bill . Some people believe they should wait until their health dictates a need for Medigap insurance . Unfortunately , waiting is not the best option as you may not qualify for Medigap insurance once you `` need '' it . Medigap insurance companies are not bound to the Affordable Care Act , so they can ask health questions -LRB- unless you are in a Guaranteed Issue situation or your initial Open Enrollment period -RRB- . Your Medigap application will have to be approved through the medical underwriting department . To find out if you are in your initial Open Enrollment or a Guaranteed Issue situation , you can work with an agent specializing in Medicare Supplement insurance or call Medicare directly . If you do qualify , you 'll be able to buy a Medigap Plan in your state and not be required to answer any health questions . If I can assist you with your specific situation , please feel free to contact me .


Input: When Does Medicare Pay For A Hospital Bed?

Output: Medicare pays for a hospital bed when a doctor prescribes use of the bed as being medically necessary and when the person needing the bed is covered by Medicare Part B. To qualify for the care as medically necessary , one of the following must be true : 1 -RRB- You can not change positions in a normal bed 2 -RRB- You need that type of bed to change positions for pain relief 3 -RRB- You need to sleep with the head of the bed elevated at least 30 degrees for medical reasons 4 -RRB- You need traction equipment that must be attached to a hospital bed


Input: Are there companies that allow a mouth swab instead of drawing blood?

Output: Yes , there are companies like that . I use one carrier that will allow you to use a mouth swab , vs drawing blood , for face amounts up to $ 1,000,000 . Please use the Contact Me feature on this website if you would like to discuss obtaining a policy through that company .


Input: Are there companies that allow a mouth swab instead of drawing blood?

Output: There are , but they may also make this dependent upon the amount of Life Insurance for which you are applying . In other words , company A may file underwriting guidelines that allow the acceptance of oral swab results up to $ 100,000 and a certain age . Beyond wither that coverage amount or the attained age , they may require a more complete blood and urine lab work up .


Input: Can You Have Roth IRA And 401K?

Output: Yes , you can have a Roth IRA and a 401k . Your employer needs to offer a 401k plan . Having both a Roth IRA and 401k can be a great strategy for increasing your retirement income . If your employer is providing a match for your 401k , that 's even better . A Roth IRA -LRB- Individual Retirement Arrangement -RRB- is a retirement plan that is generally not taxed provided certain conditions are met . If you satisfy the requirements , qualified distributions are tax free . Here are the basic rules of a Roth IRA : No age restrictions for contribution or distribution Maximum income allowed for 2014 to participate is $ 129,000 single and the head of household , $ 191,000 joint filers Earned income must be or greater than your Roth IRA contributions Tax free growth you pay no taxes when you make qualified withdrawals after age 59 and your account has been open at least five years Maximum contribution $ 5500 -LRB- $ 6500 if you are 50 or older -RRB- You should consult with a qualified financial professional when considering financial products and strategies for retirement income .


Input: Who Should Get Renters Insurance?

Output: It seems that there is some level of risk in everything that we do . If you rent property you are responsible for anyone who is injured on the property . You are responsible for any damage to the property . If you put your stuff into the unit , and it is destroyed by fire or some other peril , you will not be reimbursed by anyone . That is a risk that you have accepted . A renters policy addresses all those issues in a cheap affordable package .


Input: Does Medicare Cover Home Aides?

Output: No , Medicare is very limited on home health care services . Medicare does not cover custodial care either at home or in a facility . Medicare will cover some rehab services at home performed by approved skilled therapists or nurses . the will not pay for home health aids . You would either have to private pay or qualify for Medicaid to receive this type of assistance .


Input: What Is The Cooling Off Period For Home Insurance?

Output: A homeowners policy is a legal contract that is time bound . When the company stands to honor its promises to pay damages it does so in full expectation of receiving the premium called for in the declarations . This is rarely an emotional decision and customers rarely have regrets . If you have a homeowners policy that you dont like , get a replacement and cancel the current coverage , however , dont expect a refund of premium that the company has earned .


Input: What Is The Cooling Off Period For Home Insurance?

Output: There is no Cooling Off Period for Property & Casualty Insurance ; Cooling Off Period is a safety feature for Life Insurance Products designed to allow the client the freedom to cancel the policy if insurance was purchased following a sales presentation . There have been many cases that people feel that they were pressured into the sale of life insurance product and therefore wish to cancel the policy.Home insurance is written on standardized forms thusregulating the actual coverage offered . Property & Casualty Products , including Home Insurance , are quoted and bound if the client decides to purchase coverage after reviewing the quote . A client may cancel the coverage at any time ; where the insurance company usually has 60 Days -LRB- varies in different States -RRB- to complete their underwriting investigation and take appropriate action . Insurance carriers will not allow the backdating cancellation of a policy unless there is a situation where duplicate insurance exists -LRB- proof will be required -RRB- or if the home has been sold at a prior date -LRB- the closing statement showing the sale date will be required -RRB- . For those seeking an online quotation , there is a link providing an online format to obtain a quote and buy home insurance online in multiple States ; may be used by Escrow/Closing Professionals , Mortgage Professionals , Real Estate Agents and directly by Consumers . An exemplary online experience for all ! WEBSITELINK


Input: What Is Philam Life Insurance?

Output: I am going to take a stab and guess you are referring to Philadelphia American insurance company . Philadelphia American is a subsidiary of New Era Life . Both companies are active in the Medicare supplement business as well as offering supplemental lines of coverage such as life insurance and hospital indemnity plans .


Input: Can You Carry Life Insurance On An Ex Spouse?

Output: You can carry life insurance on an ex-spouse if there are financial reasons to do so . I.e. if the death of your ex-spouse would cause financial hardship to you or your children . If this `` insurable interest '' exists and if you do not currently own such a policy , your ex-spouse will need to consent to your getting the policy . It may be easiest to get a No Exam life insurance policy , where the only requirements are to sign the application and possibly do a phone interview . Sometimes the court system can help by ordering that your ex-spouse consent to your taking out a policy on him/her .


Input: Does State Farm Renters Insurance Cover Theft?

Output: Whetherit be State Farm or another insurance carrier if you purchased property protection with your renters policy you would be covered for theft on or off yourpremisesminus your deductible . Contact your local agent to discuss any potential theft loss . Also this is a good time to review your policy to make sure youcoverage ` sare adequate for ever changing needs .


Input: Is Renters Insurance Mandatory?

Output: That is a great question ! There is no requirement , like auto or health insurances to have to have it , but it is a good idea to have a policy . Your landlord can include the insurance as a requirement to rent to you , however . I always recommend that you get a policy , -LRB- they are not expensive at all -RRB- especially if there is a chance that you could be robbed , or have a neighbor that could cause damage to the building , or your stuff . Unfortunately , that 's just about everybody . Get a policy , okay ? Thanks for asking !


Input: Is Renters Insurance Mandatory?

Output: Renters insurance is also known as a tenants policy . I am not aware of a state that requires a tenant to have a policy . I am aware of landlords who will not let out a unit without one . The landlords motivation is to clearly identify that he is not responsible for your personal property and that you are responsible if a lawsuit is filed because of something that happened on the rented property . The tenants policy is an inexpensive way to handle risks that you can not afford to handle alone .


Input: Where Should I Buy Auto Insurance In Hawaii?

Output: You should consult an agent who is licensed to sell auto insurance in the state of Hawaii and discuss what carriers are best for you given your circumstances . If that agent is able to give you quotes from multiple carriers , that may help you in determining what carrier has the best deal for you .


Input: Will My Homeowners Insurance Cover A Leaky Roof?

Output: The damage caused as the result of a leaky roof is probably covered . The damage to the roof would be covered if caused by a named peril . If the roof leak is covered it will be covered as a depreciated item by most insurance companies , rather than replacement . It is important to stop the leak as quickly as possible regardless of whether there is coverage or not . The damage to a house by water can be quite severe .


Input: When Does A Company Have To Offer Health Insurance?

Output: No one is required to offer health insurance , but employers are strongly encouraged to offer it as a way of attracting people to come work for them . Depending on how many employees there are for a given company , the employer may be subject to employer shared responsibility payments if they do n't offer group coverage and meet enrollment requirements . Employers also often offer group health insurance because they can get certain tax deductions and tax credits for doing so and enrolling employees .


Input: How To Shop For Auto And Home Insurance?

Output: Shopping for auto and homeowner 's insurance can save you time and money ... if done the right way . Firstly , always work with an experienced broker . 20 years of experience would be nice and 3o years would be terrific ! Make sure they have a reputable website and keep it active . And let the broker do the hard work for you . In my 33 years in the business , that 's the type of work we do best . Getting the best rates for customers and ensuring the policy offers the highest amount of coverage for the premium that is paid . Need a low down payment or same-day coverage ? An SR-22 Bond ? It can be done !


Input: How To Shop For Auto And Home Insurance?

Output: Of course , surfing the internet is a great general way to start to narrow your search . Look for Insurance Companies that are consistently rated very high among the financial rating services such as A M Best , Moody and the like . Next , talk to your Insurance Professional about what options you may have . Independent agents can offer an array of companies , of course , but understand that they can not offer products and services that offer their solutions only through their agents . In most cases , for example , an independent agent does not have access to Nationwide Insurance Company products . Ultimately it is up to you to decide which solution best suits your needs and budget .


Input: How To Shop For Auto And Home Insurance?

Output: Purchase insurance from an insurance agent that you trust . If you dont have an agent , secure recommendations from friends , colleagues or neighbors . The most important thing about an agent is his or her willingness to listen to you . Insurance is very personal . Setting the limits for each insurance policy is critical . The measure of this entire process is at the time of a claim . When the limits are adequate and the coverage sufficiently comprehensive , you will be satisfied . Price becomes irrelevant when you have a claim .


Input: How To Shop For Auto And Home Insurance?

Output: Great question ! There are so many choices out there to choose from , and it is wise to shop around , especially for insurance . The internet can be a useful tool , and many people are relying upon it more and more to help find the option they are looking for . Unfortunately , most advertised quotes are `` best case '' scenarios , and often are not what you will end up paying . The personal variables of what you need makes it difficult for a machine to figure out what you will really pay . Find an independent agent -LRB- one not tied to a single company -RRB- to compare prices . Call your existing agent , and see if they will provide a discount for adding coverages -LRB- most will , and the discounts can be substantial -RRB- . Have an idea what you have to spend , and talk it over before you sign anything . Look for best coverage at the lowest cost , and with the lowest deductible that you can afford . If you need help , feel free to contact me , I 'm happy to help . Thanks for asking !


Input: Can I Enroll In Medicare Part B Anytime?

Output: You can enroll in Medicare Part B in the three months before your 65th birthday , the month of your 65th birthday , and in the 3 months after your 65th birthday . If you did not enroll at that time , the open enrollment period is between Jan 1 and Mar 31 of each year .


Input: Does Health Insurance Cover Urgent Care?

Output: Does health insurance cover urgent care ? In most cases yes , but it will depend on the plan you have . Some plans cover urgent care very well to encourage it 's use over emergency room care . Urgent care was created to help reduce the excessive cost of people using emergency rooms for non emergency situations . More than likely your health plan provides favorable plan design for the use of urgent care .


Input: Does Health Insurance Cover Urgent Care?

Output: Yes . Now , how it is covered can vary significantly from one insurance carrier to another and even within the various health insurance plan options a specific health insurance carrier offers . So , your coverage for an Urgent Care visit can range all the way from a simple copayment to being subject to your plan 's deductible and coinsurance requirements depending upon the plan you are enrolled in . Urgent Care is for those situations such as minor injuries or sudden onsets of mild illnesses that do n't justify the use of a hospital emergency room but require timely attention that ca n't be provided by your primary care physician -LRB- weekends , doctor is all booked up that day , etc. -RRB- . Services delivered in an Urgent Care setting are usually far less expensive than the same treatment received in an emergency room so most health plan designs are set up to encourage their members to use an Urgent Care/Minor Medical delivery site as opposed to going to the emergency room .


Input: Does Homeowners Insurance Cover Underground Pipes?

Output: A homeowners policy covers the residence . There is coverage for sudden bursting of pipes inside the home but I can not locate any coverage for pipes outside and underground . Most homeowners policies exclude coverage for sewer backup , unless that coverage is provided as an option . Even that coverage isnt for the pipes ; rather it is for the damage to the residence .


Input: How Do Annuities Make Money?

Output: There are a variety of annuity crediting methods available with annuities . Product suitability for each annuity is necessary to match up to the personal financial profile of the prospects risk tolerance , financial goals . Crediting methods include interest rates , indices -LRB- both domestic and foreign -RRB- and separate sub accounts that use market equity and bond instruments variable annuities , which are classified as securities .


Input: Is There A Grace Period For Homeowners Insurance?

Output: A grace period is not a regular feature of homeowners insurance . Premium notices generally go out several months prior to renewal . Your mortgage company has also received copies of the billing . When the end of the policy passes and the premium hasnt been received the companies often exercise courtesy extensions to encourage payment . If these extensions are not exercised the policy is cancelled back to the end of the policy term . Any claim arising from the period of time following the cancellation date until the final notice of cancellation would not be covered .


Input: Is There A Grace Period For Homeowners Insurance?

Output: In Connecticut , most standard issue Homeowners policies include a grace period in their payment options . These can range from 15 to 30 days usually . It is important to understand , however , that these are offered as a courtesy and not intended to be used on any regular basis . It is particularly important at a policy 's renewal because if payment is not received by the renewal date , and a grace period goes into effect , that does not extend the COVERAGE period of the policy . If premium is paid during the grace period and there happens to be a loss , there more than likely would be coverage . However , if the premium is not paid , the policy cancels back to the renewal date . If there was a loss during the grace period , that would not be covered .


Input: Is There A Grace Period For Homeowners Insurance?

Output: Against popular belief , there is no Grace Period for any type of insurance.The purpose of insurance is to transfer your risk to an insurance company willing to take your premium in return for undertaking your risk . Could you imagine not paying your premium for 10 days past the expiration date , and the insurance carrier covering the home in the event of a fire ? No matter what , it is best to make at least an installment payment prior to the expiration of the policy in order to assure your renewed protection ; having said this , some carriers offer automatic renewal which assures that a policy will be renewed to the following term . In the case of automatic renewals , a carrier is required to invoice the customer at least 45 days prior to the expiration of the policy ; in some rare cases , we have seen the due date of an invoice past the actual inception date of the new term . We would never advise relying on a policy without having paid premium for the said term.Mostinsurance carriers will accept a premium payment after the due date ; this varies by carrier . Some companies may accept payment up to 14 days following the expiration of a policy and perhaps return payments received past that date ; on the other hand , some carriers may accept a payment as late as 30 days after expirationaccompanied by a Statement of No Losses signed by the insured . As a customer , it is not advisable to assume that you are covered by your Home Insurance Contractwhen premium has not been received ; the carrier is not contractually bound to accept late payments . If you need toobtain a quote and buy home insurance online , we have a link providing self service assistancein multiple States ; it may be used by Escrow/Closing Professionals , Mortgage Professionals , Real Estate Agents and directly by Consumers . An exemplary online experience for all ! WEBSITELINK


Input: Will Medicare Pay For Hospital Acquired Infections?

Output: The Centers for Medicare and Medicaid Services -LRB- CMS -RRB- made the regulation to NOT cover hospital acquired infections in 2008 . This was done in an attempt to encourage hospitals to `` clean up '' procedures and the physical environment in their facilities so that fewer infections would occurred as the result of poor practices .


Input: What Does It Mean To Be Vested In A Retirement Plan?

Output: What does it mean to become fully vested in a retirement plan ? What it pertains to is the percentage an employee gets from employer contributions to their retirement plan . Fully vested means that the employee now `` owns '' 100 % of his/hers employer contributions to their retirement plans . The most common vesting schedule is a 5 year schedule that begins with 20 % and finishes at 100 % . Once at 100 % with no breaks in service you stay at 100 % . If an employee were to separate service after a year , they would take 100 % of their contributions and only 20 % of any employer matching .


Input: What Does It Mean To Be Vested In A Retirement Plan?

Output: Vesting refers to ownership . Another way of looking at it is , if you have $ 10,000 in your retirement plan and you are 30 % vested , you own $ 3,000 . Your vested portion can never be reduced . If you leave your employer , the vested portion of your account can go with you or -LRB- in some cases -RRB- you can cash it out .


Input: What Does It Mean To Be Vested In A Retirement Plan?

Output: Assuming you mean fully vested in a retirement plan , you can have access to the entire amount . Vesting could be an employer scheduled contribution match that requires X amount of years to fully vest . Some insurance agents use the term in retirement annuities and life insurance in an attempt to address surrender charges .


Input: Does Renters Insurance Cover Break Ins?

Output: You ask if `` renters insurance cover break ins '' . I am going to assume you are asking : What happens if the apartment building burns down ? A thief broke into your apartment ? What if a guest slips and injures themselves in your kitchen ? What happens if the apartment suffers water damage ? What about all my clothing , furniture , televsions , computer , iPod , musical or sporting equipment , and my wife 's jewelry ? The answer is yes , Reneters insurance covers all the above . Smart investment .


Input: Does Renters Insurance Cover Break Ins?

Output: It depends on what damage there is . If someone breaks into your home and steals your personal property , yes you have coverage to pay for the stolen items less your deductible . Your policy might have limits of coverage for jewelry , computer equipment , and guns . The damage to the home and building would not be covered by your renters coverage and would have to be filed with the landlord policy . If the thief hurts themselves while he/sheis in your home , you would have liability coverage to protect you if they sue you for bodiliy injury during the theft .


Input: Can You Have More Than One Life Insurance Policies?

Output: The simple answer is yes , you can have two or even more life insurance policies in force at the same time . The main restriction on the amount of life insurance you can have is how much you are worth . When you apply for any insurance policy , they will ask what other plans you have in force . If you are asking for too much insurance combined between all of your plans -LRB- this amount varies based on the company but is often 20-25 times your annual income -RRB- , they may deny your request .


Input: Can You Have More Than One Life Insurance Policies?

Output: Yes , you can have two or more policies , as long as you qualify financially for the total amount of coverage . Some mixed families take out two policies , rather than have their biological children and stepchildren have to split the same policy proceeds . Or , they take two policies so their divorced spouse has a different policy than their current spouse . Those who own business policies may need to keep them separate from personal policies for tax reasons . Sometimes having two policies is better than one , because the death benefit will be covering two completely different types of needs . E.g. . You might want a small policy to cover your funeral expenses , which would necessitate some type of permanent insurance . But you might also want a larger policy to pay off your mortgage , and 10 year Term -LRB- which usually costs much less than Whole or Universal Life -RRB- may be a much more economical choice for that particular need .


Input: Can You Have More Than One Life Insurance Policies?

Output: Certainly you may have two or even more life insurance policies in force . The main issue with an underwriter would be the total face amount has to be in line with your earnings , debt or net worth . In many cases a consumer should carrier multiple policies . For example , if you need one million in term life over a 30 year span , you should break it down to your exact needs . Lets say you owe $ 300,000 for 20 years on a mortgage and your children will be out of college in 10 years . It may make since to have $ 200,000 in 10 year term for your children `` s college and $ 300,000 in 20 year term for the mortgage and $ 500,000 in 30 year term for income replacement . This is still $ 1,000,000 in term but it expires when no longer needed and keeps premiums down to a minimum . I suggest consulting with an experienced independent broker to shop the right product mix for your unique situation .


Input: Can You Have More Than One Life Insurance Policies?

Output: Many people do - they have a policy through their workplace , and then a policy outside of work to ensure coverage that work did n't provide , or in the event that the employment ends . You may have more than one policy , but the insurance companies will put a limit on how much coverage you can apply for . If you would like more information , please hit the ` contact me ' button , I 'd be happy to help . Thanks for asking !


Input: How Much Does Whole Life Insurance Cost?

Output: Whole Life Insurance can range in price from very low to very high . It depends on your age and health among other things . We always recommend getting a policy of whole life for a child , to insure their `` insurability '' for the future , at an extremely low cost . As you get a big older , the price rises , but slowly . The younger you are , the better it is to get whole life then , before it continues to rise . With good health and a reasonable age , whole life can be very affordable , especially when you factor in it allows you to take cash out for emergencies or retirement , or to help pay the future premiums . New York Life even offers Custom Whole Life , which allows you to stop paying your premiums completely and keep your life insurance . Gary Lane , Agent , New York Life , 949 797 2424 . Thank you .


Input: How Much Does Whole Life Insurance Cost?

Output: There is no one set cost for Whole Life Insurance . The price is based on your age , gender , whether or not you have used tobacco in the past few years , your build , your health , if you have any dangerous hobbies -LRB- e.g. parachuting -RRB- , if you have imminent plans to travel to an unsafe country , whether you are in the midst of a bankruptcy , and some other factors . It is also based on the type of policy and the face amount . Because of all these factors , it is very difficult to give an accurate quote for Whole Life insurance on the internet , unless applying for a simplified issue -LRB- final expense -RRB- whole life policy . Contact a qualified agent to get the best Whole Life quote , and policy , possible .


Input: Will Medicare Cover Lap Band Surgery?

Output: For certain qualified Medicare and Medicaid patients , the cost of lap band surgery is a covered expense . You do not have to be age 65 or older to qualify for Medicare and Medicare covered lap band surgery . Morbid obesity is considered a Social Security disabling condition that can also qualify you for Medicare and approved lap band surgery .


Input: Where Can I Get Low Cost Health Insurance?

Output: There are many sites where you can get instant health insurance quotes online . When you visit a page that provides online quotes , you follow the prompts on the screen . When it comes to health insurance , I always recommend consulting with an experienced broker because of all of the moving parts involved and it can be difficult for some to compare plans.You can run instant health quotes on my website if you 'd like -LRB- link available on my profile page -RRB- as well as other types including life , disablity , senior insurance , etc. . Please let me know if I can be of further assistance . Thanks very much .


Input: Where Can I Get Low Cost Health Insurance?

Output: Low cost health insurance can be easily found . Of course , looking in the right place helps . With more than 33 years of experience as a health insurance broker , I 'll provide some specific information . A reputable website -LRB- you can visit our website at any time -RRB- allows you to quickly compare the most affordable prices in your area . And with the combination of pre-existing conditions covered and federal subsidies , rates for many persons are lower than ever before . Our job is to find you the best offers in your area . And that 's exactly what we will do !


Input: Who Has The Most Affordable Term Life Insurance?

Output: If I understand your question correctly , you want to know who has the lowest priced term policies ... right ? But while price is definitely a factor I think you should consider as more important the quality and strength of the insurer . You want to be sure that the insurer will be able and WILL pay on a claim when the time comes . And that they 'll do so without causing additional grief to your beneficiary . Whenever I hear someone ask about Term insurance a Big Red Flag pops up in my mind ! Do you know Why you think you want Term instead of Whole Life ? I recommend you consult with an insurance adviser/broker that can educate you on the different types of insurance and the benefits and drawbacks of each .


Input: Who Has The Most Affordable Term Life Insurance?

Output: Affordable Term Life Insurance is a policy that you can afford . An experienced agent who has your best interests in mind , and who has a variety of products to choose from , can find you the most affordable life insurance policy . Websites that offer choices from many companies AND the personal assistance of an experienced agent , in my opinion , are a great place to find affordable life insurance .


Input: Who Has The Most Affordable Term Life Insurance?

Output: Who has the most affordable term policies ? Well the answer will vary by just about every applicant out there . There are quite a few companies that offer term coverage for very competitive prices . The thing is these companies usually vary based the applicant and face amount and duration of coverage wanted . So a 35 year old male might get a best price from company A for a 250k 10 year policy . While at the same time , a 35 year old female seeking a 250k 10 year policy might find their best price in company B .


Input: Who Has The Most Affordable Term Life Insurance?

Output: It is impossible to know the answer to that question without first knowing a lot of information about you . In order to run an accurate quote an agent must know some of the following information . Your age , build , gender , state of residence , health status , life style and occupation . I recommend using an independent advisor to find you the best rate for term life insurance for your unique situation .


Input: How Important Is It To Have Health Insurance?

Output: When you are healthy you have a natural tendency to feel that insurance is a waste of money . But if you are involved in an accident or have to go to the hospital for surgery and receive a hospital bill of $ 30,000 or more , which is not an exaggeration , you will quickly find out the need for health insurance . Without health insurance the hospital must treat you , but unless you have the financial ability to private pay , they will only get you stabilized and send you home . Unless you qualify for Medicaid you need health insurance . Under the Affordable Care Act you will be required to have health insurance or be penalized .


Input: How Are Life Annuities Calculated?

Output: Assuming you mean annuities that payout a guaranteed income over your lifetime , heres basic explanation . An annuity is a mortality insurance product with two basic moving parts : the company crediting rate to your annuity and the mortality credits based on age . The crediting rate is a result of the portfolio return and the company keeping a portion of that return for profit margin . A mortality credit is an underwriting assessment based on life expectancy . The older you are the greater the size of the credit . The combination of the credited interest rate and mortality credit make up your life time payment .


Input: Is It A Good Idea To Buy Rental Car Insurance?

Output: It depends . Insurance sold by the car rental companies is expensive , and is a major source of profit for them . According to most state statutes , the rental company is required to automatically provide you with the minimum liability limits required in that state . Most people would want more coverage than the state minimum , so there are several options to consider . 1 . Check your own personal auto policy and see if it covers cars you rent for personal use . If it does , then there is n't anything else you need to do , your current policy covers you . 2 . Another option is to check and see if the credit card you use to rent the car provides you with any insurance protection . Many do , and they provide at least as much coverage as the deductible you have on your own policy . 3 . Finally , if none of these options are satisfactory , then you should consider buying insurance from the car rental company . The above options only apply for personal use of the rental car . If you are using the car for business purposes , you should check and make sure your employer has `` hired and non-owned '' auto insurance coverage - this will cover you . If not , then you should consider buying the insurance from the rental company .


Input: Why Do You Need Long Term Care Insurance?

Output: The word need is imperative . You should purchase long term care for your retirement years . The statistics are significant that youll experience a need for assisted living or perhaps nursing home confinement . The average married couple spends $ 250,000 on medical and extended care during their retirement years . Securing long term care is important , especially when youre healthy and heading into your late fifties , early sixties .


Input: When Is Medicare Primary Or Secondary?

Output: The factors that determine whether Medicare is primary or secondary are involved . E.g. For a business that has over 20 employees eligible for health insurance , Medicare is usually primary for those age 65 and older . If the business has under 20 employees , the employer 's plan is primary . You can go to this website to find out if Medicare is primary or secondary payer in your situation . WEBSITELINK . You could also call 1-800-MEDICARE to ask about specific situations .


Input: Does Homeowners Insurance Cover Fence Damage?

Output: The answer depends on the coverages of your particular policy . As mentioned above , better policies typically cover fences under `` other structures , '' but basic coverage policies may exclude them . Any time you file an insurance claim , you need to weigh the cost of repairs or replacement against the deductible on your policy and potentially higher insurance premiums in the future .


Input: Does Homeowners Insurance Cover Fence Damage?

Output: Yes . A fence or shed are considered `` other structures '' . Most policies provide 10 % of the dwelling coverage for `` other structures '' coverage . For example , if your home is insured for $ 500,000 you would have $ 50,000 of coverage for the fence . Make sure you check your deductible and get an estimate to repair the fence before filing a claim because you do not want to file a claim if you are only going to receive $ 100 or $ 200 dollars .


Input: Is Life Insurance Worth It For Kids?

Output: As with all insurance , it is worth it if the need arises . The unthinkable happened to our family when I was a child , and my mom said that the life insurance policy on my sister was a big help . If she would have survived , my sister would have had that policy to hold onto for the rest of her life despite her cancer history . This personal reason for getting life insurance on kids is not one that I 've expressed before . But obviously , it 's one that I think about .


Input: Is Life Insurance Worth It For Kids?

Output: Life insurance for basic final expense can be purchased as a unit rider or even a stand alone policy . Some advisers use permanent life insurance to fund college education and/or sometimes jump start a child 'd 's retirement fund . But many insurance agents sell life insurance on children to establish coverage in case coverage is not obtainable later in life .


Input: Can You Have Car Insurance Without Owning A Car?

Output: Yes , actually you can . There is a form of coverage that is called a `` Named Non Owner '' policy . This form provides Liability coverage for you while you are driving a car you do n't own that is at your disposal and provided to you by the car 's owner .


Input: Can You Have Car Insurance Without Owning A Car?

Output: Yes you can purchase liability insurance or a financial responsibility bond . If you drive you need to have insurance . Some states require it . It does not matter if you own a car or not . A good independent insurance agent can help you find an affordable policy .


Input: How To Lower Auto Insurance Cost?

Output: There are several ways to lower auto insurance costs . First keep a clean driving record . No at-fault accidents or moving violations in the past 3 years . Take a look at the type of car you are driving . Raise your deductibles to the highest limits you can afford . Bundle your polices with one insurance carrier . Home , auto and umbrella all together will usually give you the maximum discounts . Other discounts available may be occupational or good student . How many miles you drive annually is a factor in some states . Talk to your local agent about these options and more .


Input: Does Obamacare Cover Medigap?

Output: No , Obamacare does not cover Medigap , or any other Medicare related expenses . In fact , Obamacare actually calls for over $ 700 BILLION in cuts to the Medicare system over its first ten years , a budgetary item that places the benefits available to our country 's senior citizens at tremendous risk . The benefits of Obamacare are only available to those under the age of 65 , which basically equates to this law taking money away from caring for our nation 's seniors to secure coverage for younger individuals , at least those younger Americans that do not make enough income to cover the cost of coverage themselves .


Input: Does Obamacare Cover Medigap?

Output: Does Obamacare cover Medigap ? At this time , no Obamacare does n't intermix with Medigap plans . Down the road over time , no one knows for sure if there will be legislation to bring all healthcare together in either a national plan or a base plan all must have with supplements people can choose to add onto their base coverage .


Input: Does Obamacare Cover Medigap?

Output: Unfortunately , the Affordable Care Act does not apply to Medigap . If you have a pre-existing condition , you may be denied coverage . If you are not in your initial Open Enrollment period or another Guaranteed Issue situation , you will have to medically qualify for a Medigap Policy . Therefore , it 's best to get a Medigap Policy when you think you do n't need one . Often times people wait until a health condition arises because they think the Affordable Care Act -LRB- Obamacare -RRB- will apply . With that said , each insurance company has unique health questions . One insurance company may deny rheumatoid arthritis while another is okay with it . In other words , do n't assume you will be denied . An independent agent can review your health history and let you know if you can apply for a Medigap policy .


Input: What Is Fixed And Variable Annuities?

Output: Fixed annuities invest your premium into conservative , long term securities -LRB- usually bonds -RRB- chosen by the company . These steady investments allow the company to guarantee you fixed payments later on . Your payments are also guaranteed to last a number of years or a lifetime , determined in advance . Variable annuities are invested in stocks and more risky investments which the annuity holders choose themselves . They may have some guaranteed elements , but also have the potential to pay more than a fixed annuity , or less than a fixed annuity , due to that element of risk .


Input: What Insurance Should I Get When Renting A Car?

Output: That is going to depend on how well you wish to be protected from finacial hardship should you be involved in an accident that you are deemed responsible for . Your auto insurance policy that you have will more than likely only provide liability coverage in the event of an accident . You may wish to look into the comprehensive -LRB- other than collision -RRB- , collision , and loss of use coverages that are typically offered by the rental car company . Please remember that every policy is different please read your policy completely to understand the coverages provided and any exclusions that may be contained within .


Input: What Insurance Should I Get When Renting A Car?

Output: When you are renting a car , look at the following coverage options : 1 . Liability - make sure you opt in for the 3rd liability insurance . This will cover other party physical damage and injuries in case of an accident . 2 . Car Physical damage - this is the coverage for the vehicle you rent . Usually it bears $ 0 deductible and covers from a first dollar on . 3 . PIP - or personal injury protection - if you drive with other people seating in car , this will provide coverage to your passengers . Other optional coverage offered by rental companies may include : 1 . Personal property : luggage , cellphones , computers etc. . Usually limited to a set by the rental company amount . 2 . Death : provides limited coverage for accidents involving death of passengers in the rental car .


Input: What Is A Declaration Page For Homeowners Insurance?

Output: The declaration page is what personalizes your insurance policy . The provisions of the policy are in the accompanying pages and explain the coverages , limitations , and responsibilities that you and the insurer have . The declaration tailors these provisions to your situation by setting specific limits for the amount of loss that the company will cover . Do not overlook that there are also limits in the policy itself on certain types of properties and certain situations of personal liability . Read your policy carefully , they are designed to be understood .


Input: What Is A Declaration Page For Homeowners Insurance?

Output: An insurance policy is by it 's nature , a contract between you and your Insurance Company . In short , it stipulates the terms and conditions by which you as the insured and they as the insurer will operate and what is expected from each of you . The policy itself consists of two parts , the declaration sheet and the policy jacket . The Policy Jacket is a written detailed document ourlining the general terms and conditions of the policy . The Declaration is specific to you and your home . It names you as the insured and details both the mailing address and property location along with the amount of coverage that your particular policy provides . Your Mortgage company will also be named . Additionally , on it you will see the stated dwelling amount along with related personal property coverage and the deductible that you would be responsible for should there be a loss . You will also see the amount of Liability protection that the policy provides . In addition , you may see specific dollar limitations for certain categories of personal property . The declaration will identify whatever state rating territory you happen to be in as well as the fire protection class and finally , the annual premium that you pay will be listed for te current policy term .


Input: Can You Opt Out Of Medicare Part A?

Output: You can opt out of Medicare Part A but you probably do n't want to . When you are eligible for Medicare Part A -LRB- which for most people is age 65 -RRB- you should go ahead and take it . For most people , there is no charge for Part A . If you decline Part A you will also be forfeiting your Social Security benefits .


Input: How Do I Get Medicare In Georgia?

Output: In order for someone to receive Medicare you need to be disable orage 65 . You will need to be disable for 2 years to receive Medicare . At age 65 you willbe eligible to apply forMedicare 3 months before you turn age 65 the month of your birthday and 3 monthsafter your birthday . Once you apply for Medicare you will need to apply for additional health 20 % that Original Medicare does not coverage . Original Medicare only coverage 's 80 % of you Medicare bills . You will have the options to apply for a Part C plan Medicare Advantage , Part D planmany plansor a Medicare Supplement plan . For more information contact Agent Ms. Best at 1866-491-1491 .


Input: How Do I Get Medicare In Georgia?

Output: Signing up for Medicare in Georgia is no different from any other state . When you turn 65 you should be automatically enrolled in Medicare Part A and Part B if you meet the eligibility requirements . Once in the Medicare system you need to decide if you want an Advantage plan or original Medicare and a Medigap plan .


Input: How Long Does It Take For Life Insurance To Be In Underwriting?

Output: On average , it takes 5-6 weeks for a life insurance policy to go from application to delivered . The exam can usually be scheduled within 72 hours of taking an application . The part of the process that can take the longest is waiting for medical records to arrive . Some doctors will send them out immediately , but others may take weeks or months to send the records . Sometimes the application can be pushed through faster , especially if records are not required . Taking all of this into consideration , 5-6 weeks is the norm .


Input: How Long Does It Take For Life Insurance To Be In Underwriting?

Output: It really depends on several factors . There are simplified issue life insurance policies that can be issued on the spot . There are fully underwritten plans that can take weeks or even months . I will say the hold up in most cases is not the life insurance company underwriters . It boils down to two factors . First , when you start your application process , set up and finish your paramed exam as soon as possible . Until the exam is complete the underwriter will do very little on your case . The second aspect that can slow down the underwriting process is ordering APS or your medical records . Most doctor 's offices and hospitals are painfully slow to submit your medical files to an insurance company . It typically takes the longest in the entire process . Be sure and call your doctor 's office and ask them to please return your records in a timely manner . That will help more than any other single thing you can do to speed up the processing time .


Input: How Long Does It Take For Life Insurance To Be In Underwriting?

Output: How long does it take for life insurance to be in underwriting ? Forever it seems . Depending on the individual it can take anywhere from 4 to 12 weeks or more . Why ? The life insurance underwriting process is really a hurry up and wait process . That is underwriting can be very busy for a day with questions and requests being sent out and then it becomes a wait for the requests to return to the underwriter . The waiting is what adds time to underwriting .


Input: What Information Do I Need To Purchase Homeowners Insurance?

Output: Homeowners Insurance can be purchased by first obtaining a home insurance quote ; based on the use of the home and type of insurance desired , you would need only basic property characteristic details that most people would be able to quickly answer without further concern ; you would also need to answer a couple of questions regarding the security of the home -LRB- i.e. deadbolts , fire extinguisher , central alarm monitoring , smoke detectors , fire sprinklers etc. . . -RRB- ; in addition , very few personal questions which will identify you and may offer a discount based on some available credits which vary from State toState . There is a link providing an online format to obtain a quote and buy home insurance online in multiple States ; may be used by Escrow/Closing Professionals , Mortgage Professionals , Real Estate Agents and directly by Consumers . An exemplary online experience for all ! WEBSITELINK


Input: What Information Do I Need To Purchase Homeowners Insurance?

Output: That 's a good question . You will need the following information . Your full name , Date of Birth , address of the home , phone number , the year the home was built , living square feet , condition of the home , updates completed for plumbing/electrical/heating / roof , list of pets , central station alarm information -LRB- if you have one -RRB- , wood burning stove answer -LRB- yes/no -RRB- , trampoline question -LRB- yes/no -RRB- , pool -LRB- fenced ? -RRB- , prior claims to the property and to you , and usually your social security number , purchase price , estimated rebuild cost and appraisal . Having all of that information will help you get the best rate possible on your homeowners insurance . Many insurance companies will have different tiers they can offer . Many factors go into rating a homeowners policy but generally it will depend upon your credit history , cost of reconstruction , prior claims and the deductible you choose . Hope this answer helps you !


Input: Does Medicare Cover Nutrition Counseling?

Output: In some situations , the answer is yes . Medicare will pay your doctor to discuss issues related to diabetes , high blood pressure , cholesterol and obesity . Often the counseling will include information on nutrition and diet . If you are obese , your BMI -LRB- body mass index -RRB- is 30 or higher , you may qualify for additional weight loss counseling .


Input: Where To Purchase Long Term Care Insurance?

Output: The best place to start is with an independent agent that has a focus on Long Term Care and Medicare Supplement Insurance . They will offer all the major Long Term Care insurance companies and give you unbiased advice on the best way to structure the plan . The agent should be able to tell you what the current cost of care is for nursing home , assisted living and home healthcare . They will use those numbers to determine the amount of benefits you should start with .


Input: Where To Purchase Long Term Care Insurance?

Output: The good news here is that there are really a half dozen long term care insurance companies left in the main market with three to four companies in niche areas . So you have a short list of companies to review . You should always select an independent insurance agent with access to these companies to insure that the bidding process is objective and in your best interest .


Input: What Is An Aggregate Deductible In Health Insurance?

Output: You have asked the question that confuses more consumers and insurance brokers than just about any other terminology in our industry . Usually this question comes up in the context of a high deductible health plan associated with a Health Savings Account -LRB- HSA -RRB- . There are two types of deductibles offered with these plans ; aggregate and embedded . An aggregate deductible plan requires that more than one deductible be met before the plan 's co-insurance and other coverage provisions come into effect . Usually two deductibles have to be met but you will want to check the exact policy language for the state you are purchasing coverage within . For example , you purchase an HSA plan with a $ 3000 aggregate deductible for you and your spouse and this plan has 100 % co-insurance after the aggregate deductible has been met . What this means in practical terms is that both of you will have to meet an `` aggregate '' total of $ 6000 in out-of-pocket expenses before you and your spouse are covered at 100 % . So , let 's say that spouse A has $ 3000 in medical expenses for an outpatient surgery while spouse B incurs no expenses at all that year and then spouse A has an additional $ 1000 in expenses for office visits and prescriptions . Even though spouse A had already had $ 3000 in covered expenses because the deductible exposure of spouse A and spouse B are `` aggregated '' together , the additional $ 1000 of expenses incurred by spouse A later in the year are charged against the aggregated deductible amount and remain an out-of-pocket expense . Under an embedded deductible arrangement with the same $ 3000 deductible followed by 100 % coverage , each spouse has a separate $ 3000 deductible exposure that once met places that particular spouse into their 100 % coverage zone . So , in the example used in the previous paragraph , spouse A would have met their deductible with the initial $ 3000 expense and their $ 1000 in subsequent expenses would have been covered at 100 % by the insurance company . Generally the premium difference between plans with an aggregate and an embedded deductible is not that significant , especially as deductibles get higher . For this reason , I rarely recommend an aggregate deductible plan design to my HSA clients . If you would like more information or a quote for a Health Savings Account based plan please feel free to contact me .


Input: When Can You Switch Medigap Policies?

Output: You can apply for a new Medigap plan at any point during the year . People often change their Medigap plans for a number of reasons , the most common being : You want to reduce your expenses by securing a lower premium from a policy with the same benefits -LRB- purchasing a Plan F with company B and dropping the existing Plan F with company A -RRB- . - this is the most common reason why people change their Medigap plans . Medigap plans are standardized so the coverage under a plan F is the same regardless of the company it 's through . So often people want to look at lowering their premiums when their policy gets hit with a rate increase . You may not need/want all of the benefits you 're paying for or you need/want more benefits than you have under your existing plan . Please note , if you do not have a guaranteed-issue right to purchase a Medigap plan without any medical underwriting , you would have to answer the health questions on the application . Medigap plans are guaranteed renewable . So in the event you could not medically qualify for coverage under a new Medigap plan , you always have the option of keeping what you have . I hope the information is helpful - please feel free to contact me for assistance with your Medigap coverage , including quotes and plan comparisons , and if you have any other questions . Thanks very much .


Input: Why Do Banks Own Life Insurance?

Output: Banks will own a life insurance policy equal to or near the value of a loan given to a client in the event the person dies before thay have had the opportunity to pay the entire loan back to the bank . If there is a balance after the loan is paid off the balance should go toward the the loan payers estate .


Input: Why Do Banks Own Life Insurance?

Output: Assuming the question is addressing corporate bank owned life insurance -LRB- BOLI -RRB- and not the requirement of a bank to have the borrower secure life insurance to indemnify a loan , BOLI is an inexpensive group benefit that can generate tax free revenue to the banking institution . It is basically used as a tax advantaged vehicle .


Input: How Much Is Full Coverage Auto Insurance In California?

Output: Full coverage is always a dangerous term . Most people consider full coverage as having comprehensive a collision coverage 's on their vehicle . However this would leave out medical , rental reimbursement , towing and possible more options . With that said the coverage is not actually full . With this question being a blanket question it is actually impossible to answer without a series of questions being asked first such as location , age of operator , marital status , driving history and driving record not to mention type of car . I highly suggest you contact a local agent who can quote you multiple companies to find you the best coverage 's and rates to fit your needs .


Input: How Much Is Full Coverage Auto Insurance In California?

Output: How much is to buy a house in California ? This question ca n't be answered , unless more details are provided . In general , the full coverage cost depends on : Driver age Driver gender Driver marital status Driving record for the past 3 years Vehicle garaging zip code Vehicle use : pleasure / work-school commute Vehicle year/make/model Are there any other drivers in household ? Any other line of insurance with the same carrier -LRB- HO , Condo , Renters , Life , etc -RRB- Coverage limits Deductible The lowest full coverage policy I 've seen in California was $ 400/yr .


Input: How Much Is Full Coverage Auto Insurance In California?

Output: I agreed with all the answers above . `` Full coverage '' is a very vague term . It depends on individuals and what they need to protect . The same `` full coverage '' for me might not be enough to cover you and vice versa if we have different assets to protect . The best way is to speak to an agent so that s/he can help you what you need to protect and suggest the appropriate coverage level that will meet your needs as well as your budget .


Input: How Much Is Full Coverage Auto Insurance In California?

Output: Good Question There are some factors that insurance companies look at to figure the rate . your age the car you drive your driving record how many year you been driving accident record or tickets if you are married or single your education level Plan on paying about $ 90 - $ 200 a month in CA that is the average rate in that state .


Input: How To Make A Claim With Renters Insurance?

Output: To make a claim on your renters insurance , you would contact the claims phone number of your renters insurance carrier . The phone number is typically listed within your policy documents or you can call your local agent to have them help you with the claims process . Your local agent is there to assist you during the claims process .


Input: How To Use Life Insurance As An Investment?

Output: One way to use life insurance as an investment is to fund an Indexed Universal Life policy with the maximum amount of premium possible without it becoming a MEC -LRB- modified endowment contract -RRB- . Then when you hit retirement age , take out loans against the cash value of the policy . For more information on this and other ways to use life insurance as an investment , contact an agency that sells IUL and other Permanent life insurance products . You can not use Term life insurance for investment purposes .


Input: How Does A Flexible Premium Adjustable Life Insurance Policy Work?

Output: Assuming the question is addressing current assumption universal life , here is basic chronology to the mortality mechanics.The word flexibility infers to the ability to modify the death benefit , the premium or both . When a premium is paid int the policy , the policy expenses are paid : policy fee , premium loads , admin charges and the cost of insurance . Whatever earnings of the policy are then applied to the remaining premiums and/or cash values .


Input: How Does A Flexible Premium Adjustable Life Insurance Policy Work?

Output: A flexible premium adjustable life insurance policy is generally a current assumption universal life contract . It has two sets of rates : current company practice and contractual guarantees . It has three moving parts : the premium , the death benefit and the crediting method -LRB- interest rates , indices or separate sub accounts using equities and bonds . -RRB- The premiums are paid , the policy expenses are deducted and the earnings are added to complete the accumulates cash values .


Input: How Does A Flexible Premium Adjustable Life Insurance Policy Work?

Output: A flexible premium life insurance policy is a cash value policy which allows the policy holder to pay flexible premiums in lieu of one set premium . The policy is made up of annual renewable term insurance bundled with a cash accumulation account usually touting high accumulations of cash many years in the future . This is what entices many to purchase this type of policy but buyer beware ! In this policy the cost of the insurance increases annually and when the cost of the insurance passes the premium that is being paid the cash values begin subsidizing the increased cost of coverage . If premiums are not increased the policy will collapse sometime in the future . To keep this from happening the policy holder must pay a target premium which is usually much higher than the quoted premium when the policy was issued . Again , the policy holder is paying more than he needs to be paying for the coverage . A better alternative to this is purchasing a level term policy and investing the savings outside the policy in an IRA . This is called split-funding and will give the policy holder control of his cash values .


Input: What Does Uninsured Auto Insurance Cover?

Output: Un insured motorist covers your medical bills if someone hits you and has no insurance there also is under insured which covers your medical bills if someone has insurance but their insurance did n't pay all of the bills because their limits are all exhausted . This coverage cost as little as 2.00 for 6 months with some carriers in Montana I would recommend the coverage it is well worth the cost .


Input: Will Claiming Hail Damage Increase My Car Insurance?

Output: There are two parts to your question . For example , each year that I go `` claim free '' I receive a `` refund check '' back from my insurance company . Let 's assume that check averages $ 600 a year and I have `` claim free '' for ten years - that means the insurance company has paid me $ 6000 . Do you include that consideration into the question of `` should I file a claim ? In order to have `` hail damage '' covered you must have comprehensive coverage , or , to make it easy to understand if you only have liability coverage yuo forget filing that claim


Input: What Does It Mean To Be Fully Vested In A Retirement Plan?

Output: To be fully vested in a retirement plan means that if you left your job , you would be able to receive 100 % of your retirement benefits that were earned as a benefit in that job , upon your retirement . Vesting usually takes 1 to 6 years until the employee is fully vested in their company 's retirement plan .


Input: Does Medicare Cover A Wheelchair?

Output: Medicare covers many items needed for mobility . These include walkers , wheelchairs and even `` scooter '' . Your doctor must certify that you need a mobility assist device . You should obtain your wheelchair from a Medicare approved DME -LRB- durable medical equipment -RRB- supplier that accepts Medicare assignment . Doing so will minimize your out of pocket costs .


Input: How Long Does It Take For Renters Insurance To Take Effect?

Output: It can be pretty quick , actually . In most cases , an insurance professional can work with you to complete the quote process , prepare an application and then release and bind the new business coverage in a few minutes time . It is better , however , to take the time to discuss your coverage options as well as available discounts to make sure you are fully protected at the best price possible .


Input: How Long Does It Take For Renters Insurance To Take Effect?

Output: A renters policy can be bound in a matter of minutes . Discuss this with an agent . Select the appropriate amount of coverage for your personal property and personal injury and property damage liability . There are options which might need to be considered but most policies written in my office only take a few minutes .


Input: Does Renters Insurance Cover Smoke Damage?

Output: If the smoke damage was caused by a covered loss then your renters insurance policy may provide coverage for the loss up to the policy limits less your deductible . Remember every policy is different . Please read your policy completely to understand the coverage provided and any exclusions that there may be or contact your local agent to have them go over the policy with you .


Input: Is Health Insurance Mandatory In Kentucky?

Output: Because of the Affordable Care Act , if you do not get health insurance , you will pay a tax penalty of $ 95 or 1 % of your income , whichever is greater . That tax penalty will increase in the coming year . Individuals and families can purchase insurance through the Kynect.gov exchange . Those making less than 133 of federal poverty level can qualify for Medicaid . Tax credits that can reduce monthly premiums are available to those making less than 400 % of federal poverty level -LRB- around $ 96,000 for a family of four -RRB- . Those making less than 250 % of federal poverty can receive additional assistance to reduce their out-of-pocket cost . Contact an independent insurance agent to get guidance on which policy may be best for you .


Input: How To Apply For Medicare Part B?

Output: You can go the Social Security website at SSA.gov / medicare / or you can visit your local Social Security office . Keep in mind that Medicare Part A & B only covers about 80 % of the cost of care and the remaining 20 % that you would pay does not have a limit . A lot of people get a Medicare Supplement -LRB- Medigap -RRB- to cover what Part A & B does not . With the right plan you would have very little out of pocket expenses for care .


Input: Is Fence Damage Covered By Home Insurance?

Output: Yes , it can be , if the damage results from a covered peril named in your policy . Always discuss the specifics of your policy with your Insurance Professional to fully understand the terms and conditions , but coverage would be available to you provided that your policy includes coverage for `` Other Structures '' . Any settlement paid to youfor damage caused to your fence would be subject to your deductible , of course . If as a result of some negligent action by you -LRB- ignoring that dead tree in your back yard that over hangs your neighbor 's fence , for example -RRB- the story is a bit different . If that tree comes down and damages your neighbor 's fence , then coverage would be found in the Liability portion of your policy .


Input: Do Medigap Policies Cover Drugs?

Output: As a general rule Medigap plans do not cover prescription drug plans . Some prescription drugs are covered under Medicare Part B . If you have a Medigap plan and are receiving infusion therapy under Medicare Part B , your Medicare supplement plan will cover their portion of approved Part B medication claims .


Input: Do Medigap Policies Cover Drugs?

Output: No , Medigap policies do not cover drugs , but you can add a standalone Part D prescription drug plan to cover them . Medigap policies used to cover prescription drugs under plans E , H , I , and J , but these plans were removed from the marketplace several years ago . I hope the information is helpful - please feel free to contact me for assistance with your Medicare coverage and if you have any other questions . Thanks very much .


Input: What Companies Provide Disability Insurance?

Output: There are many companies that provide disability insurance , including private policies , business overhead expense , key man disability insurance , etc. . For white collar employees carriers like The Standard , MetLife and Principal are very competitive . For impaired risk carriers -LRB- for blue collar employees or people with severe health conditions -RRB- , Petersen International , Fidelity , Assurity , Mass Mutual , etc. are your best bet . When speaking with your agent , make sure they provide you with quotes from several companies .


Input: What Companies Provide Disability Insurance?

Output: There are many disability insurance companies in the US . Here are the brokerage players : Mutual of Omaha , Standard of Oregon , Mass Mutual Met , Principle , Ameritas , Fidelity security , Illinois Mutual , Assurity , Lloyds of London . There are others , but these are more popular among advisers who perform defensive planning in their practice .


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

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


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

Output: It depends . Mild cases with little or no difficulty with activities of daily living are likely insurable . If in remission , the longer the remission the better the offer will be . Where the disease is either stable or progressing slowly , a rated offer can usually be obtained in moderate cases with some muscle weakness , difficulty walking , and moderate difficulty with activities of daily living . However it may not be possible to obtain an offer in later stages , with severe cases or where the disease is progressing rapidly . Offers from insurers may vary so consult with a life insurance professional who can shop the market for the best results .