Input: What Car Insurance Deductible Is Best?

Output: The proper car insurance deductible is as unique as the person driving the vehicle which needs to be covered ! While there is no single answer , here are some helpful tips : The higher the deductible , the lower the premium -LRB- You 'll be responsible for paying more out of pocket in the event of a claim -RRB- . The lower the deductible , the higher the premium -LRB- You 'll be responsible for paying less out of pocket in the event of a claim -RRB- . Determine how much cash and credit you typically have available as well as your monthly disposable income -LRB- The higher this number , the higher the deductible can be potentially -RRB- . Determine the current value of your vehicle -LRB- Trade-in , not retail -RRB- and consult your agent about it 's safety features . A rule of thumb is that the more valuable the vehicle , the higher the premiums -LRB- A higher deductible can offset this increased cost -RRB- . Be aware of your surroundings - if you park on the street or live in an area with a high propensity for glass damage , consider a lower comprehensive deductible . As always , please discuss it with your insurance agent prior to making a decision regarding your deductibles ! Joel Guilbert Liberty Mutual Insurance 480-685-7309


Input: What Car Insurance Deductible Is Best?

Output: Something to consider when choosing a deductible is to ask yourself , what are you comfortable with paying if there is a loss vs. what you save . Here is a generic example . Say for example you want a $ 500.00 collision deductible for your car . Now you may be considering a $ 1000.00 deductible to save you a little money . And for example going to a $ 1000.00 deductible vs. a $ 500.00 deductible will save you $ 50.00 every six months . That is $ 100.00 in your pocket annually . It would take you 5 years to break even vs. what you save and what you could potentially pay out and then you are money ahead . This is one good way to weigh the options of what deductible to take and help you make an intelligent decision .


Input: Can I Have Two Life Insurance Plans?

Output: The total face amount of life insurance is the quantitative issue here and not the number of polices . As long as the number of polices do n't exceed the total justifiable amount of death benefit , there should be no issue . Life insurance is an indemnification product for protection . Collecting the right data is the most important item to increasing your justifiable amount .


Input: Can I Have Two Life Insurance Plans?

Output: Yes , you can have two or more life insurance policies . Some types of policies are better for certain needs , and it can be beneficial to have different policies to suit differing needs in your financial plan . E.g. Term life might be best to cover your mortgage , whereas whole life might be best for funeral funds .


Input: Is Medicare Advantage An HMO?

Output: Medicare Advantage plans can be a an HMO or PPO . However , Medicare Advantage/HMO/PPO mean almost the same thing once you are on Medicare , meaning they are all a Medicare Advantage plan . One of the common statements from people turning 65 is , `` I want a PPO '' , because that is what they knew before they went on Medicare . However , it means something way different now that they are on Medicare . A Medicare Supplement is the only plan that does n't have a network and that gives you the greatest flexibility in deciding who you go see for care .


Input: Does Medicare Pay For Nursing Care At Home?

Output: Medicare can pay for nursing care at home under certain conditions . 1 -RRB- The patient must require only intermittent -LRB- part time -RRB- skilled care . If you need 24 hours skilled nursing care , Medicare will not cover those services provided in your home . 2 -RRB- You must be ordered to receive speech therapy , physical therapy , or occupational therapy . 3 -RRB- You must be certified as homebound . 4 -RRB- All the services must be documented as needed and provided by Medicare providers .


Input: Will Medicare Pay For My Knee Replacement?

Output: Yes Medicare does pay for Medically necessary knee replacement . If all you have is original Medicare you will be responsible for your Part A Hospital deductible and possibly some Part B Medical expenses . If you must do rehab in a nursing facility , the first 20 days will be paid at 100 % . Some rehab done at home may also be paid for .


Input: Is A SEP IRA A Qualified Retirement Plan?

Output: Yes , a SEP IRA is a qualified retirement plan that allows tax deductible for pretax contributions and accumulates tax deferred until distributions . When distributions are generated the income is taxed as ordinary income at the plan participant 's effective tax bracket rate and is includable in the provisional income test for Social Security benefit taxation .


Input: When Does A Health Insurance Deductible Reset?

Output: Most individual health policies go by calender year . Some companies offer a feature that allows any part of your deductible satisfied in the last 3 months of the year to roll over to the following year . It is important to know what your policy offers , since there could be some variation depending on your policy .


Input: When Does A Health Insurance Deductible Reset?

Output: A deductible resets one of two ways . Either by Calender year -LRB- Jan 1st -RRB- or if the plan calls for it , when the plan renews . Depending on the plan , some allow for last quarter monies paid towards a deductible to be carried forward into the new plan year to count towards the new plan year .


Input: When Does A Health Insurance Deductible Reset?

Output: A deductible reset means you start a new deductible . Most plans follow a calendar year deductible but some -LRB- very few -RRB- will have a plan year deductible . When you transition to a new calendar year -LRB- or plan year if your plan is written that way -RRB- you must start accumulating a new deductible .


Input: How Much Personal Property Coverage Should I Get For Renters Insurance?

Output: This is one of the most important things your agent should do for you . You should take a photograph of every wall in your unit . Make sure you have a picture of everything that you own . Then review the pictures noting your personal property and make an estimate of the cost of replacing that object . Add up those numbers and you have your personal property limit . I am sure that you dont want to have a fire and get only 50 % of the replacement cost of your property reimbursed .


Input: What Does Long Term Care Insurance Protect?

Output: Long term care insurance mitigates the cost of assisted living at home and/or nursing home care confinement . Most seniors need at least some assistance at home in their elder years , some need more than home assistance can provide . But some seniors need long term care in a nursing home 24/7 .


Input: What Should Homeowners Insurance Cost?

Output: Your homeonwers insurance premium can vary greatly depending on the coverages that you elect to have added to the policy , deductibles that you chose , and valuation of your premise . When selcting a policy make certain that it will provide you with the coverages andendorsementsthat you deem valuable . An insurance policy is only as good as the coverage that it provides .


Input: What Should Homeowners Insurance Cost?

Output: It is always a good idea to talk with your Insurance Professional about the particular coverage and benefits of your policy , but in a nut shell , a Homeowners ' policy provides coverage on your Home -LRB- dwelling -RRB- personal property and also provides Liability protection in the even you are held legally liable for injury or property damage . The Dwelling and personal property coverage should include a replacement cost settlement benefit and you should ask about any and all discount opportunities .


Input: What Should Homeowners Insurance Cost?

Output: Great Question . A typical homeowners policy and it depends on your state that you have the home in will range from $ 300 a year to in the high end to $ 3000 a year . I would shop around and call a local independent agent and have them shop around rates for you .


Input: What Should Homeowners Insurance Cost?

Output: The basic question should be , what would it take to make you whole . You would want your residence restored , your property replaced and you would like to know that in the event of a lawsuit you would be defended and any judgment would be paid . That basically means that you should deal with a trusted agent and set the liability limit as high as the company will write and set the property limit at the full replacement cost . You should inventory any of the items that have restricted coverage and purchase additional coverage for your jewelry , guns , collections and other high value items .


Input: What Will I Pay For Car Insurance?

Output: This is an impossible question to answer with any real dollar amount . Your auto insurance is based on many factors . Some of the factors that are part of the equation that is used to determine your rates are : the insured 's geographic location , the insured 's age , the insured 's driving record , the year , make , and model of the vehicle and many more . Contact a local agent to discuss your coverage wants and needs so that they can provide you with coverage availability and pricing .


Input: Can You Claim Renters Insurance On Your Taxes?

Output: Unless you are operating a home based business , homeowners and renters insurance is not a deductible expense . If you are operating a home based business you may be able to deduct a portion of the insurance as a business expense under Schedule C. Check with your tax adviser to see if you qualify and what portion you may claim .


Input: Who Covers Disability Insurance?

Output: The company that issues the private Disability Insurance policy is the company that covers the payments of individual Disability Insurance benefits . If the company is bought by another company , the purchasing company takes over responsibility for payment of claims . For Group Disability Insurance , payments are covered by the company issuing the policy , under the jurisdiction of ERISA .


Input: Can I Withdraw From A Retirement Plan?

Output: Withdrawing from your qualified retirement plan may will trigger an ordinary income tax event with an additional 10 % penalty if you 're under age 59 1/2 . You may be able to borrow from your retirement plan if the plan allows for participant loans . There will be loan charges and more than likely a repayment schedule . Most advisers highly caution plan participants in accessing early withdrawals or loans from retirement plans . It should be the last resource you turn to for your cash flow needs .


Input: Will Medicare Pay For Tempur Pedic Bed?

Output: In some situations you may qualify for special beds and or mattresses . If you are completely immobile , or have a tendency towards bed sores , Medicare Part B may authorize payment for a special bed or mattress . Best to ask your doctor for advice on this matter . Be sure to use a Medicare approved DME provider and one that accepts assignment .


Input: Where Can I Purchase Annuities?

Output: Annuities are issued by the same companies that sell life insurance , so you can purchase annuities wherever you can purchase life insurance -LRB- as long as the agent knows how to sell both products -RRB- . Variable annuities must be sold by someone with a securities license . Please feel free to contact me for assistance .


Input: Where Can I Purchase Annuities?

Output: Annuities can be purchased at many different carriers such as Transamerica Financial and many other companies it really depends what your goals are and what you are trying to accomplish each carrier underwrites in special area . If I can be of any help I would like to bid for your business see my profile and view my web site , contact me .


Input: Where Can I Purchase Annuities?

Output: That is a great question ! There are just about as many places to buy an annuity as there are annuities . Almost every insurance company will have several options for you to choose from , and so will many financial institutions . You want to look at a company that is highly rated -LRB- A or better -RRB- by a company like Standard & Poors , or A.M.Best ; one that is well funded and stable financially , and one that is well respected , with few consumer complaints . A good advisor can steer you to a company that you can trust . I hope that helps , thanks for asking !


Input: Does Homeowners Insurance Get Paid From Escrow?

Output: Your lender will decide whether insurance and taxes will be impounded in an escrow account administered by the lender . The lender generally will allow a borrower using a conventional loan to handle the taxes and insurance on their own . Most other situations require this escrow account . The escrow account , isnt mandated by law .


Input: Does Homeowners Insurance Get Paid From Escrow?

Output: Many homeowners policies are paid from an escrow account . The lender establishes this account and collects money along with the mortgage payment . It is in the lenders interest to do this . They rarely pay any interest on the money held in escrow . The lender then knows that the policy is active and that their interest in covered .


Input: Does Homeowners Insurance Get Paid From Escrow?

Output: In many cases it can , but it is not common practice 100 % of the time . This is usually decided more as a condition of the loan from your Mortgage company than anything else . Insurance companies do n't require premiums to be paid via escrow . This is primarily a tool used my lenders to be sure that insurance coverage remains in effect on any property in which they have an interest .


Input: What Does Rx Mean In Health Insurance?

Output: RX refers to prescription drug coverage . Most health insurance plans have a separate prescription drug plan with a different structure for copayments and coinsurance . Three tier plans are very commom : generics , formulary brand names , and non-formulary brand names . You pays less out of pocket for generics , and the most for non-formulary brand name drugs .


Input: Can You Switch Health Insurance During Pregnancy?

Output: You can switch health insurance pans while pregnant , but make sure to do your due diligence first . If you are increasing benefits and lowering maternity out-of-pocket costs then switching would be a great idea . On the other side of that argument , if you 're happy with your current plan and benefits you may find staying where you are until the baby is born serves you better . In the new arena of health reform and individual health insurance you can only switch during open enrollment or if you qualify for a special enrollment due to a life changing event . It 's best -LRB- pregnant or not -RRB- to find the right program and stick with it throughout the year to avoid headaches . For more information on how maternity is covered under Obamacare plans please visit www.clminsure.com


Input: Can You Switch Health Insurance During Pregnancy?

Output: Under the new affordable care act , you can change to another health insurance plan during the open enrollment period each year . If you 're outside the open enrollment period and want to switch plans , you would need to qualify for a special enrollment period -LRB- also referred to as a qualifying life-changing event -RRB- . Since a carrier can no longer decline you for a pre-existing condition , health insurance plans are , in short , guaranteed-issue . However , changing plans may not necessarily be in your best interest . Be sure to do an in-depth comparison of your existing plans and the proposed new plans you 're looking at to see which is truly better/more advantageous for your own situation - premiums , coinsurance , copayments , deductibles , out-of-pocket maximums , networks -LRB- HMO vs. PPO vs. POS -RRB- and other factors should be taken into account . An independent agent can help you with this review .


Input: Which Health Insurance Covers Acupuncture?

Output: Coverage for acupuncture typically varies from one company to another , with many offering no coverage at all . While the Affordable Care Act does require all new health plans to cover many tyeps of therapies , acupuncture is still not regarded as a traditional medical in most Western societies and , as such , is typically not covered by most health insurance providers . That aside , there are some companies , including Aetna and Blue Cross Blue Shield -LRB- in some states -RRB- that do offer a limited number of acupuncture visits each year . To find the best plan for your personal situation , it is best to speak with a licensed , independent agent that works with most , if not all , the insurance companies in your area . That will give you the chance to discuss the exact options available to you , and provide the expert guidance needed to select the best possible plan for your needs .


Input: What Percentage Do Annuities Pay?

Output: Non-qualified deferred fixed interest rate annuities are paying an average of 2.75 % for five years guaranteed and 3.00 % for ten years . The spread between the two annuity rates is 25 basis points for twice the spread in time . Most advisers would not recommend locking down the ten years rate for an extra 25 basis points .


Input: How Much Is 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 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 Much Is A Million Dollar Life Insurance Policy?

Output: The premium for life insurance depends on many factors including coverage period , health and lifestyle classification , product type , insurer and age at issue . Age is a big one - the older you are the higher the premium . For example , a male age 40 with `` preferred '' health rates can buy $ 1M of 10 year term life for the effectively about $ 2 per day . The coverage is only for 10 years ,


Input: Can Diabetics Get Disability Insurance?

Output: It is possible for diabetics to get disability insurance , but the diabetes must be very well controlled and meet certain criteria . To get a quote for disability insurance while having diabetes , contact a broker of disability insurance that offers a large variety of policies , so that you may be able to find one that fits your health .


Input: Can Diabetics Get Disability Insurance?

Output: Depending on the age of diabetic onset , the type of diabetes -LRB- I or II -RRB- and associated impairments like obesity , you can generally get life insurance coverage . Managing diabetes is the key whether through diet and exercise or insulin or both , the regiment you keep can generate underwriting credits on the balance sheet of underwriting pricing .


Input: Can You Purchase Life Insurance On Someone Else?

Output: To purchase life insurance on someone else , you need to establish insurable interest between you , as the beneficiary , and the policy insured . You 'll also need to justify the face amount of coverage with financial documentation . But most importantly , you need the potential policy insured 's written permission on the application .


Input: Does Long Term Care Insurance Cover Home Health Care?

Output: Some Long Term Care Insurance will cover home health care and some will not . In fact , when the triggers for receiving Long Term Care benefits are met , some policies will pay the money directly to the insured person , to use as they see fit . To find a policy that covers home health care , shop with a broker that carries long term care policies from several companies so that you can pick the one that has the features you desire .


Input: What Are Two Types Of Disability Insurance?

Output: The two main types of disability insurance are short term disability , and long term disability insurance . Short term disability insurance pays fairly quickly after a disabling illness or injury occurs , and benefits generally last no longer than two years . Long term disability insurance has a longer waiting period until it pays , usually around 90 days . Then it can last a number of years or all the way to retirement in the event of a disability that continues that long .


Input: What Are Two Types Of Disability Insurance?

Output: Disability insurance is offered as short term disability , generally two years , and long term disability , generally to age 65 . The elimination or waiting period needs to be established on the basis of your cash reserves . And keep in mind that many employer sponsored group plans include short term disability coverage . Having short term disability coverage may allow you to purchase long term disability coverage with a longer elimination period .


Input: Is It Illegal To Be Without Health Insurance?

Output: The Supreme Court has ruled that the Affordable Care Act is a tax law . Under that law you can be fined if you do not have health insurance . There is an implementation schedule and dates have shifted recently . The idea was to make sure everyone had health insurance so I suspect that there will certainly be pressure on everyone to have a policy .


Input: Is It Illegal To Be Without Health Insurance?

Output: You can pay a penalty if you prefer not to have a health insurance policy . If you choose to pay the penalty instead of securing coverage , you will still be responsible for 100 % of your medical care . The penalty is calculated in one of 2 ways -LRB- you pay whichever is the higher amount -RRB- . In 2014 , the penalties will be calculated as : 1 -RRB- 1 % of your yearly household income featuring a maximum penalty as the national average yearly premium for a bronze plan . 2 -RRB- $ 95 per person for the year -LRB- If under age 18 , then $ 47.50 -RRB- featuring a maximum penalty per family of $ 285 under this method . Its important to note that the penalty will change each year . In 2015 , method one increases to 2 % of your yearly household income and method two increases to $ 325 per person . In 2016 , it will increase again to 2.5 % for method one and $ 695 per person for method two . The penalty methods will be adjusted for inflation in later years .


Input: How Much Is Auto Insurance For A 21 Year Old?

Output: Depending on your state and which carrier that you get and they type of coverage you need . In Montana the rates are not based off of your gender . Rates are determined by many things such as your driving history and prior insurance and they type of auto you drive . Also your credit can play a roll in ratings also . I have many 21yr old clients some pay as little as 58.00 a month to as high as 400 a month . You can also go to your state insurance commissioners office and many times they have a rate guide that will give you the average rate for each carrier . I recommend that you contact a local agent they should be able to compare rates for you . If you do not understand what insurance coverage 's are and what they mean an online quote from a carrier might not be the best option for you a well informed agent should be able to compare rates and explain the coverage 's and what you need . I know at our agency Best Rates Insurance Inc we run our office 24/7 to help our clients .


Input: How Much Is Auto Insurance For A 21 Year Old?

Output: The rate for a twenty-one year old could very greatly from geographic location to another and from one carrier to another . There are also many other factors to take into consideration for this scenario . Some of those things are the amount of coverage sought , the type of coverage sought , the vehicle driven , the insured 's driving record , the insured 's credit history , and much more . Please contact a local agent to get a rate quote . They best equipped to assist you in making a more informed decision .


Input: Is Disability Insurance Considered Earned Income?

Output: Is disability insurance considered income ? Taxation of disability proceeds are going to depend on what you did to your premiums taxwise . If you deducted your premiums for taxes , any benefit is taxable income . If your employer provides your disability coverage as a benefit , it will be taxable income as they are taking the tax deduction on the premium .


Input: How Does Renters Insurance Cover Theft?

Output: Renters insurance covers theft by paying for specific items of your personal property that were stolen . There may be a deductible to meet for funds are paid and there also may be limitations on specific types of property , such as jewelry ; If a theft occurs , contact the police and your broker .


Input: How To Determine How Much Life Insurance You Need?

Output: I usually use the acronym DIMEE as a place to start . D = Debt or short term debt . This would be paying off credit cards , car loans , or any consumer debt . I = Income or Income Replacement . You should deceide how much for how long . A good place to start is 3 to 5 years of replacing an income . You might consider longer if cost is not much different . M = Mortgage = Paying off Mortgage . You should consider paying off the Mortgage if the income earner dies . E = Education = An estimation of your children 's tuition for a good state university if you die . You should consider 4 years of costs per child E = Expense for funeral/burial : You should cover the costs of burial or cremation , funeral services , and transportation of loved ones . These are a great place to start the discussion of what amount of Life Insurance that you need .


Input: How To Determine How Much Life Insurance You Need?

Output: You need to collect tabulate your entire indebtedness , determine your future obligations , any charitable intentions and your human income value fro now until you retire . Totaling the amount from all four categories will give you a pretty good idea of the face amount you 'll need to apply for . If you have a spouse , you 'll need to include their human income value as well .


Input: What Is AARP Medicare Supplement Plan N?

Output: Medicare supplement plan N is a relatively new product . Approved by CMS -LRB- Medicare -RRB- for sale in 2010 , a handful of Medigap carriers decided to offer the plan . Some carriers , such as Mutual of Omaha and Gerber , introduced the plan then pulled it off the market within a year . Medigap plan N does not pay your Medicare Part B deductible and introduces outpatient copay 's -LRB- capped at $ 20 -RRB- and ER copay -LRB- capped at $ 50 -RRB- .


Input: How Much Is Health Insurance For One Person In Pennsylvania?

Output: Health insurance rates for one person in Pennsylvania are very affordable . Prices in Pittsburgh , Philadelphia , Harrisburg and most areas of the state are much less expensive than most consumers may realize . Prices can vary between $ 30 per month to much higher amounts , depending on your zip code , type of coverage and company that is providing the coverage . As an experienced Pennsylvania broker -LRB- I have more than 32 years of experience -RRB- , our job is to find the best fit for the consumer . Whether its Aetna , Highmark , UPMC , Independence Blue Cross , Geisinger , or other insurers , we shop so you can save ! By comparing all of the top-rated companies , the customer wins . The Affordable Care Act has changed the landscape of Pa healthcare . Open Enrollments allow individuals to apply for coverage without answering medical questions . Also , a federal subsidy may now reduce the cost of coverage . Sometimes , this reduction is quite substantial .


Input: Is Acupuncture Covered By Medicare?

Output: No , acupuncture is not covered by Medicare . It is an `` alternative therapy '' that has not been scientifically proven to be effective as an analgesic , anesthetic , or other therapeutic purposes , per the Centers for Medicare and Medicaid Services . Acupuncture expenses fall 100 % on the shoulders of the patient receiving that procedure .


Input: When Do You Need Homeowners Insurance?

Output: Most homeowners need a homeowners policy all the time . A mortgagee will probably require that you carry a homeowners policy to protect the lenders interest . The next significant time you will need a homeowners policy is when you are sued or there is damage to your home and its contents . Because these losses are not frequent , the premium for this coverage is relatively inexpensive . The cost for not having the coverage can be devastating .


Input: How Do I Buy Health Insurance?

Output: You buy health insurance from an experienced broker -LRB- and our websites -RRB- to secure the lowest rates and the best advice . Typically , during Open Enrollment , you do n't have to answer medical questions and pre-existing conditions are covered . You also may qualify for a federal tax subsidy that can reduce your premiums . An experienced broker can review your options , show you the best plans and help you enroll . Of course , you pay no fees .


Input: Can You Have Two Roth IRA Accounts?

Output: That is a great question ! You can , and it 's not a bad idea to have a couple of them with different investment types to fund them The only drawback is that you can only deposit a total of $ 5500 a year -LRB- $ 6500 if you are 50 + -RRB- between all of them . The growth potential of all of them receiving a minimum contribution is less than the growth potential of one being funded fully . There are some good strategies that I 'd suggest , if you want to contact me . Thanks for asking !


Input: Can You Have Two Roth IRA Accounts?

Output: Yes , you can have two Roth IRA accounts . In fact you can have several if you want . You can still only contribute atotal of $ 5,500 -LRB- before age 50 -RRB- or $ 6,500 -LRB- age 50 and over -RRB- between the accounts . You are not allowed to contribute these amounts into each account you own as defined by the IRS code .


Input: Does Car Insurance Cover Key Replacement?

Output: In most circumstances I would say no . Pending an extreme set of circumstances you may find limited coverage for this sort of thing . Remember every policy is different . Please read your policy completely to understand the coverage provided and any exclusions that there may be or contact your local agent to have them go over the policy with you


Input: Can You Get Renters Insurance When Renting A Room?

Output: This is a great question and the answer is YES . Remember , you are only insuring your personal property and general liability , ie : if one of your guests falls down a flight of stairs at the place where your renting the room . I have written this exact policy many times . If you have further questions please ask .


Input: What Dogs Raise Homeowners Insurance?

Output: That is going to depend on the insurance carrier . Each carrier maintains it 's own list of animals that it considers to be higher risk . Some of the dog breeds that tend to be on many of the lists are : pitbulls , german shepards , anddobermans to name just a few . Contact your local agent to discuss the effect that certain dog breeds mayhave on your homeowners insurance coverage and pricing .


Input: What Is The Best Homeowners Insurance Company?

Output: -- > Normal 0 The Best homeowners insurance policy for you is the one that is going to do exactly what you want it to for approximately what you are willing to pay . So what do you want it to do ? Most likely , fix your house or repair or replace your personal things should they be damaged . If so , the Best policy for you would be the one that would guaranty just that . No policy will do that as all policies have some exclusions and limitations , but the Best policy for you would have the fewest exclusions or limitations . I suggest the Best policy would include Guaranteed Replacement Cost and all-risk * coverage on your home , all-risk * Replacement Cost coverage on your personal property . The Best policy for you would include Personal Liability coverage with a limit not less than $ 300,000 . Should you need higher limits , a good Personal Umbrella endorsement should be available providing a broad insuring agreement and few exclusions . The Best policy will be offered by an agent or insurer who will take the time to alert you to all the policy amendments available to address your specific needs . The Best policy will be offered by an agent or insurer who will stand with you should a claim occur , treat you professionally and help you return to your pre-loss position . The Best policy would be offered by an insurer who would not cancel you or increase your premium the first time you had a claim . The Best policy would be offered by an insurer willing and able to insure your car -LRB- s -RRB- at a reasonable price even though you might have young inexperienced drivers . If an insurance company is not willing to do provide these essential services , I question if they should be considered for any part of your business .


Input: What Is The Best Homeowners Insurance Company?

Output: Regardless of premium the best homeowners policy is the one that will pay what you expect it to pay when you have a loss . Setting limits is critical and this often requires professional help so seek out a good insurance agent . Comparing companies has limited value . The insurance commissioner in your state has determined that the company you are considering will keep their promises . The commissioner probably has ways to make sure that they keep their promises , and that is what insurance is all about , promises .


Input: Can I Use Medicare In Canada?

Output: Medicare pays $ 0 towards foreign travel emergency care . However , if you have a Medicare Supplement Insurance Plan C , D , F , G , N , the plan will pay 80 % to a lifetime maximum benefit of $ 50,000 . If you have one of these plans you would pay the first $ 250 and then 20 % and amounts over the $ 50,000 lifetime maximum . Some people decide to get an International Travel Insurance policy in addition to their Medicare Supplement Plan .


Input: Does Medicare Pay For Burial?

Output: Medicare does not pay for burial . You would need a final expense policy or life insurance policy to cover those costs . You can get one of these policies at many different amounts to cover your basic needs or to also cover other expenses . Medicare also does not cover Long Term Care Insurance .


Input: How Much Does Auto Insurance Increase After Speeding Ticket?

Output: Most insurance companies will give you one speeding ticket , in fact since most companies only do periodic checks , they may not know about the ticket right away . The effect on your rates should be minimal if at all . This varies by company however so check with your local agent . Do not call the insurance company to ask them directly however . That phone call could result in a check and depending on the company , could result in an increase if you have more than the one incident on your record or you are getting a discount for a perfect driving record .


Input: Is Life Insurance Cash Value Protected From Creditors In Maryland?

Output: In all of the states in the United States the cash value as well as the death benefit of life insurance is a protected asset . The reason for this is because life insurance is basically designed to benefit someone other than the insured - that is the beneficiary . So if the cash value or the death benefit were vulnerable to liens or attachments such as in law suits it would be seen as doing harm to the beneficiary , not the insured - even if the owner of the policy is the beneficiary .


Input: Is Life Insurance Cash Value Protected From Creditors In Maryland?

Output: According to Maryland statute yes cash values are protected providing that the policy is put in force to protect the benefit of a spouse , child or dependent relative . This would mean that as long as any of these three categories of people are listed as beneficiaries , then the cash values would be protected from creditors .


Input: What Is Disability Life Insurance?

Output: Disability Insurance and Life Insurance are usually two different types of policies . Disability Insurance pays money to the insured person to replace part of his/her income that was lost due to suffering a disabling illness or injury . Life insurance pays money to survivors when the insured person dies . Some Life Insurance policies do provide a Disability Income rider , so that the one policy can provide both types of benefits .


Input: How Much Homeowners Insurance Do I Need?

Output: The amount of homeowners insurance you need depends on several factors . Homeowners insurance is not a one size fits all product . Your home should be insured for 100 % of the Replacement Cost . Replacement Cost is not the purchase price or assessment value but rather the cost to rebuild your home . Once the Replacement Cost is determined most policies apply a percentage of the dwelling coverage for other coverages including personal property coverage -LRB- usually 70 % -RRB- and other structures -LRB- usually 10 % -RRB- . Depending on the age of your home you should consider `` law and ordnance '' and `` water/sewer backup '' coverage .


Input: How Much Homeowners Insurance Do I Need?

Output: The dwelling limit for your home should be equal to the amount that it will cost to rebuild your home . This is going to vary based on type of construction materials , current costs of materials , and labor costs . Most reputable agents will use a third party estimator which considers all of these factors to come up with a replacement cost number . You should never pick a replacement cost number out of thin air . Additionally , do not be surprised if the replacement estimate that you are given differs from the market value or the appraised value . You are n't insuring the dirt !


Input: What Is Spouse/Domestic Partner Life Insurance?

Output: Spouse life insurance or domestic life insurance can refer to life insurance taken out on your significant other . As their husband , wife or domestic partner , you might own the policy , but the insurance is on their life . If they would pass away , you would have the death benefit to pay bills , living expenses , final expenses , and possibly even invest some for future income .


Input: What License Is Needed To Sell Fixed Annuities?

Output: To sell fixed annuities the agent needs to be licensed in life insurance . A licensed life agent can also sell indexed annuities . The exception would be if the agent was facilitating the purchase of the fixed annuity with existing stocks , bonds or mutual funds owned by the annuity applicant . In that situation , the agent would need some additional securities licenses to handle the sale .


Input: What Are Life Insurance Settlements?

Output: Life insurance settlements are the sale of life insurance polices by the owners of the policies , to third party buyers , in exchange for cash . The amount paid to those selling their policies is higher than they would have received by cashing their policies in , but less than would have gone to their beneficiaries , had they passed . Life settlements became popular when AIDS was claiming many victims , and some policy holders decided that they would rather spend their life insurance money while they were alive . In fact , life settlements usually are not offered unless the insured person on the policy appears to not have many years left to live , or else the policy is not worth purchasing by the buyers .


Input: How Does A Deductible Work In Auto Insurance?

Output: A deductible is the amount of dollars that you are responsible for in the event of a claim . Of course , if there is another driver involved who is at fault and is insured , you will most likely pay nothing at all , depending on where you live . You can select the deductible on your vehicles , with lower deductibles costing more than higher deductibles . For example , if you have a $ 500 deductible on your car insurance collision benefit , and the damages are $ 4500 , you will have to pay $ 500 of that amount . In some scenarios , $ 500 is deducted from the check that is given to you from the insurer . The same concept applies to a comprehensive claim such as fire , vandalismor theft . When there is glass breakage , you may have no deductible . Also , generally , comprehensive deductibles are less than collision deductibles on most policies . A reputable national website or experienced broker can easily review your deductible options and quickly determine which amount is the most cost-effective .


Input: How Does A Deductible Work In Auto Insurance?

Output: Simply stated , the deductible is the amount of the covered loss processed by your insurance company , for which you would be responsible . In other words , if you have a $ 500 collison deductible , and the total amount of the settled damage repair is $ 1,500 , then your Insurance Company would pay $ 1,000 and you would pay $ 500 .


Input: How Does A Deductible Work In Auto Insurance?

Output: With most insurance policies you have a deductible and car insurance is no exception . The way the deductible works is you would receive payment for the damages less your deductible . You do not have to pay thedeductible to theinsurance company . For example , if you ran into the back of someone and the damage to your car was $ 2,500 you would receive a check -LRB- or the repair shop -RRB- for $ 2,500 - deductible . You would then pay the repair shop the difference . A Standard deductible for car insurance is $ 500 but some people choose a lower deductible for comprehensive coveragewhich covers , cracked windshields and other damages not attributed to a collision accident .


Input: Can You Get Disability Without Insurance?

Output: I can only assume by this question you are referring to collecting disability benefits with out owning a disability insurance policy . If so , the answer is probably . If you have worked enough quarters to qualify for Social Security disability and Medicare and your medically diagnosis states you are indeed disabled then you should be able to start collecting benefits . Do an online search to find the Social Security website and follow the protocol . Good luck .


Input: Can You Get Disability Without Insurance?

Output: Yes , people can collect Social Security Disability benefits , and do not have to buy private Disability Insurance to get cash while being disabled . However , to get Social Security disability benefits you must generally be disabled for at least a year , and be unable to work -LRB- or be trained to work -RRB- at any job . Private Disability Insurance pays benefits more quickly . Also , with DI , if you have the `` own occupation '' feature , it pays if you can not work at your OWN job , not just ANY job . Finally , private disability insurance pays a higher benefit than Social Security DI . You can even supplement SSDI with DI .


Input: How To Buy Annuities From Social Security?

Output: The US Social Security Administration does not sell annuities , and as result you can not purchase annuities from the SSA . You can purchase annuities from US life insurers . To do this you simply need to speak to an agent who can assist you with the process of determining which company 's product are best suited for your needs .


Input: How Much Does Allstate Life Insurance Cost?

Output: The price of all types of life insurance is based on the gender , age , build , tobacco status , health , and other risk factors of the person applying for it . It is also based on the type of policy for which you apply . The longer the premium is locked in , the higher the premium tends to be . That is true for Allstate as it is for all other life insurance companies .


Input: Does Progressive Have Mobile Home Insurance?

Output: Progress does offer mobile home insurance . Their coverages and prices are usually very good . Progressive only offers mobile home insurance through independent agents in 8 states : Illinois , Indiana , Iowa , Minnesota , Missouri , Nebraska , Ohio and Wisconsin . However , you can buy Progressive mobile home insurance directly from Progressive in every state except Alaska , Florida , Hawaii and D.C. .


Input: Can I Cash In My Universal Life Insurance?

Output: Yes , you can cash in your universal life insurance . If your health has not changed since you got the policy , and if you happened to buy one without secondary guarantees , you may be able to find a better option now . Contact an honest agent who can assess your policy for you , look at other options available , and determine if a more cost effective policy is out there for you before you make a snap decision to cash it in . Sometimes you can adjust a UL policy to make it work for you . But if the interest rate was high when you bought it and now is using your cash value to help pay the premium , it is probably time to make some adjustments , if not cash it in and start over .


Input: How Can My Company Insurance Company Raise My Rates Because Of One Claim?

Output: I can not vouch for fairness as that is a matter of perception . Every carrier must file its rates with the insurance commissioner of the states that they operate in and receive approval before those rates are implemented . Your premium rate for your coverage involves many factors , one of them being claims . If you are concerned that you are now paying too much for your coverage you can always shop your coverage with other carriers . I am sorry if this seems a little callus , but typically you will pay now or you will pay later . If you shop your coverage exclusively on price then the chances of this type of thing happening to you increase .


Input: How Much Does Medicare Part B Cost In 2013?

Output: The Medicare Part B premium for 2013 for most people is $ 105 . If you fail to sign up for Part B when you are first eligible you may be required to pay a late enrollment penalty of up to 10 % per year for every year you were eligible but failed to sign up . Higher income individuals may pay a penalty . In determining your penalty premium , Medicare considers your income from prior tax returns -LRB- from 2 years ago -RRB- . The penalty plus base premium is graduated based on income and can be as much as $ 335 in 2013 .


Input: Does USAA Offer Life Insurance?

Output: Yes , USAA does have life insurance . USAA offers life insurance in the products : Level Term , Military Term , Universal Life , Whole Life , and Combination , per the USAA website . You can compare USAA prices to others by first going to the USAA website to get their quotes , then input your information in a website that offers quotes from many different companies .


Input: What Happens When You're Late On Your Car Insurance?

Output: Auto policies normally do not provide a grace period . When the policy is not renewed coverage ceases on the expiration date . Normally the company will issue a letter advising you of the date that coverage will cease . If that date is past you expiration date , you are responsible to pay the premium for that period of time , even if you chose to not renew the policy . The company may extend a period of time for you to reinstate coverage , but a cancellation letter is probably being sent at the same time .


Input: What Happens When You're Late On Your Car Insurance?

Output: That is a great question ! Typically , if you are only a couple of days late , not much . The problems start when you are more than 20 days late , or are frequently late with your payments . Once your payment gets to be 30 days late , you are in serious risk of the policy cancelling , and then you are an uninsured driver , with all the penalties that go with that . You will also have trouble getting reinsured , and can expect to pay a much higher premium for a while . Frequently being late can have an adverse effect on your credit rating , and that means you can expect higher interest rates on your credit cards or no credit at all . I hope that helps , thanks for asking !


Input: What Happens When You're Late On Your Car Insurance?

Output: It is always best to make payments in a timely matter . But , when a problem arises , or you forget , their is a 30 day grace period in which you have time to comply , and catch up your payment . After the thirty day grace period your policy goes into cancellation status , and you have no coverage . You are still liable for the extra thirty days of premium . After the thirty day grace period expires , it is up to the carrier , onwhether they will will reinstate the policy or not . Most will , with a payment to catch up the account . Please be careful to never let a policy lapse for nonpayment , as this will affect your future rates and insurance score . WEBSITELINK


Input: What Happens When You're Late On Your Car Insurance?

Output: Late payments can possibly put you at risk of having no coverage so it is always a good idea to be on time . Talk to your Insurance Professional about the specific terms and conditions of your policy , but in some cases , companies include grace periods in their billing plans . However , they can also apply late fees for each late payment . This can add up . Say for example a company applies a $ 10.00 late fee for each late payment . If a person is paying monthly , that adds $ 120.00 a year to the cost of their car insurance . That can be a significant and avoidable increase over the agreed upon term premium .


Input: At What Age Does Term Life Insurance Expire?

Output: The answer depends on what you bought . Term is bought for a specific number of years , unlike whole life , which is for your lifetime . So long as you pay the premium , term will not expire until you reach the end of the period you bought it for . For example , ten year term expires ten years after you buy it , so long as you pay the premiums . If you do not replace term before it expires , either with more term , or with whole life , you will be left with no life insurance . Thank you . GARY LANE


Input: At What Age Does Term Life Insurance Expire?

Output: The expiration of coverage is stated in a term policy . Many have provisions for continuous renewal to ages past 80 . The premiums for these renewals are listed in the policy and will stagger the imagination . Few term policies end in death claims . Most term policies expire before the insured .


Input: At What Age Does Term Life Insurance Expire?

Output: It generally does not expire at an exact age and most people wont keep a term policy past the term premium guarantee period . The premium guarantee period on a traditional term life insurance policy will last until your term period expires -LRB- e.g. if you have a 30 year term policy , the premium will remain fixed and guaranteed for 30 years -RRB- . When the term period expires , the policy changes to annual renewable term insurance and the premium will increase each year -LRB- based on age -RRB- - this can generally be continued up to age 95 on most policies . However , the premiums that would be needed to continue the coverage will be SUBSTANTIALLY higher than what you were paying before and will only go up and up . Term policies on a UL chassis may keep the premiums the same past the term guarantee period , but rather than the premium increasing , the death benefit will decrease each year - can vary by company . Another type of term insurance is banded coverage - meaning premiums will increase every 5 years as you hit the next age bracket . These are generally term insurance to a specific age - generally up to either 80 or 90 . If you live past the designated max age , the coverage will cease immediately -LRB- if kept that long -RRB- - supplementing your term coverage with permanent coverage can be of great value .


Input: At What Age Does Term Life Insurance Expire?

Output: In Canada , you have a full range of term policies including term to 100 . Many term insurance policies renew and the premiums increase after 5,10 , 20 , 30 years depending on the contract . It is important to check the guaranteed renewal rates when comparing policies as they can vary greatly . While the policy actually expires again depends on the terms of the contract most do end at age 85 . From a practical standpoint , the renewal rates in the later years are usually prohibitive so conversions to a permanent level premium plan should be considered . Usually the conversion has to take place before age 65 , but again varies by contract . If you have further questions , or feel that I could be of assistance , please do not hesitate to contact me . If you would like to work with a local life insurance broker , you could start with a Google search . For example , if you search for : life insurance broker Halifax or life insurance agent Halifax , my name , along with several others , will come up . You can use the same method to find a life insurance broker in your community .


Input: At What Age Does Term Life Insurance Expire?

Output: Great question ! Your policy will expire after the number of years the policy states as the term . Most are written for a term period of between 5 and 30 years , and end when that term is up . Some policies , like those offered on TV and like the ones you receive in the mail , will end when you turn 80 . Those policies will also typically increase in price every few years . Take a look at your policy , it will very clearly state in the first few pages the expiration date of your policy . You can renew the policy so that it extends , but be aware that the price of it will go up dramatically . If you need help , please feel free to contact me , I 'm happy to help . Thanks for asking !


Input: Why Is Homeowners Insurance So Expensive In Florida?

Output: This answer applies in every state . The rates charged by insurance companies in your state are regulated by your insurance commissioner . The insurance commissioners responsibility it to make sure the companies keep their promises . If the premium they collect is inadequate to meet claims they expect the companies to raise their rates to meet the claims . That is exactly what is happening in Florida . The claims experience drives the pricing .


Input: Why Do I Need Disability Insurance?

Output: You need Disability Insurance if you , your family , or business would suffer hard consequences if you were to be unable to work for a long period of time . Many families are only a couple paychecks away from losing their home . Disability Insurance can relieve the worry of what would happen if you were unable to work .


Input: What Is The Most Popular Medigap Policy?

Output: The most popular Medicare Supplement insurance policy is Medigap Plan F ; however , Medigap Plan G is right on the heels of Plan F. Plan F is popular because of the comprehensive health care coverage it provides . It will cover all your Medicare approved charges not paid by Original Medicare Part A and Part B . This means you do not have to worry about co-insurance , deductibles or co-pays . Plan G is gaining popularity because it strongly resembles Plan F . The only difference is you have to satisfy the annual Part B deductible -LRB- $ 147 2014 -RRB- before your Part B benefits kick in . Once you 've met the deductible , your Plan G acts just like Plan F . Why would someone choose Plan G over Plan F ? Price . You can often find Plan G at a lower premium ... even when you include the cost of the Part B deductible . To determine which Medigap Plan is right for you it 's a great idea to speak with an independent agent specializing in Medicare Supplement insurance . There are a number of insurance companies that offer Medigap Plan F and Plan G. Often , the best premiums are with the companies you do not see online . If I can be of assistance with your specific situation , please feel free to contact me .


Input: Can An Apartment Force You To Have Renters Insurance?

Output: They can not force you to get the coverage but they can choose not to let you rent there . The coverage is well worth the cost . in most cases it is as little at $ 10.00 a month this protect you and also any damages that you may cause to the building . Example ouwl be if you left something on the stove and you caught the building on fire .


Input: Will Health Insurance Cover In Vitro?

Output: If you have coverage with a major company they may cover part of the processes but you can count on having to pay a chunk of the bills yourself . Have you called the company to ask them ? I hope it covers it for you but it is not `` medically necessary '' and having that bouncing baby on your lap may not be the ball of happiness you are dreaming about . Do you know what is costs just raise that bundle of joy ?


Input: Does My Auto Insurance Cover Roadside Assistance?

Output: Some policies may cover towing if you have full coverage . It is not designed to take the place of an auto club however . I generally recommend using an auto club for towing and roadside assistance . Remember , any time you turn in a claim of any sort the company will look at your loss experience with the company .


Input: How Long Does It Take For Home Insurance To Pay Out?

Output: Claims adjusting is an important part of insurance . The adjuster is charged to assess the total damage and make the appropriate payment . The adjusted damages are subject to negotiations . If , as a customer , you feel that the amount offered is inadequate you can feel free to discuss that with the adjuster or your agent . The length of the process is determined primarily by the speed with which the damage can be assessed and a payment settled .


Input: How Long Does It Take For Home Insurance To Pay Out?

Output: Thats a good question . The answer is it varies from company to company and claim to claim . For example , if you have a major house fire-what we call a `` total loss '' it could take months and months to complete the claim . During a major claim an inventory list of Personal Property needs to be constructed along with hours of redesigning , engineering and demolition work . If the claim is a simple theft claim-like someone stole your ipad-that can be handled quickly with a police report and a signature . Having said all of this , certain insurance companies , like PURE Insurance , are very quick to handle claims and disperse payments . They also typically insure larger homes and pay higher premium than a standard insurer . Hope this answer helps .


Input: Can You Be Covered Under Two Health Insurance Policies?

Output: You can have 2 health insurance policies , but why would you want them ? This is especially true if you have to pay some or all of the premium . If you have 2 health insurance policies each will coordinate with the other to pay something less than 100 % of the claim . In most cases you will still have out of pocket costs .


Input: Can An Employer Cancel Health Insurance?

Output: If the health insurance plan is a part of a labor negotiation , terminating the plan would violate the bargaining agreement . It is possible that the employer has the right to change insurance companies . If it is a plan provided by the employer all rights to discontinue the coverage would be with the employer . When a plan is discontinued COBRA benefits will normally be available for those losing coverage .


Input: Can An Employer Cancel Health Insurance?

Output: Yes . Absent a collective bargaining agreement with a labor union , which are increasingly rare , an employer makes a voluntary decision to offer health insurance and other benefits to their employees . There has never been a legal requirement in our nation for an employer to offer health insurance to their employees . The Affordable Care Act contains provisions that can apply tax penalties to employers above certain group sizes for not offering health insurance or the approved level of coverage and it offers inducements in the form of tax credits to smaller employers to provide health insurancebut even this law does not force an employer to provide health insurance to their employees . So , generally speaking , an employer is free to not offer health insurance to their employees or to terminate an existing group health insurance plan that they have had in effect . Indeed , the higher costs imposed by the requirements of the Affordable Care Act have already had the perverse effect of pushing some employers to the decision to cancel their group health plans .


Input: Where Can I Get Whole Life Insurance?

Output: You can get whole life insurance from an agency or website that sells it . Try calling to ask if they sell whole life in all face amounts , and ask the ratings of the companies through which their whole life insurance is sold . It the agency only sells it up to a certain face amount , they only sell final expense whole life . That is a good choice if you need final expense coverage , but to get whole life in larger face amounts , you need to make sure you are getting a competitive product .


Input: Who do I get to pay my deductible?

Output: Ouch ! I had a similar experience once , and I know how frustrating it can be . Have you tried calling the police officer who investigated the case ? Sometimes a little push can re-energize a slow case . The rental company should also have this driver 's info , unless it was falsified . They may not give it to you , but may to your agent . If you have a family lawyer , sometimes a nice letter from them can make a world of difference , as no one likes the idea of lawyers getting involved . And unfortunately , if for some reason they are n't able to track this person down , they will treat it as a hit and run , and as the damages are less than the deductible , you will be obligated for the cost . I 'm sorry , but you are at the mercy of the investigator 's pace . Good luck , thanks for asking !


Input: Does Renters Insurance Cover Moving Damage?

Output: I would assume by moving damage you mean dropping , banging or breaking something . These type of damages are not a peril of a property policy unless you had an item specifically covered for breakage . Breakage is not a normal peril of property polices . Perils would normally include , fire , wind , water , theft , vandalism to name a few .


Input: What Does Life Insurance Beneficiary Mean?

Output: What does life insurance beneficiary mean ? Well , a life insurance beneficiary is usually the other party in an insurance contract . They are part of the policy , but do not have qualify or be in great health to be a part of the policy , that is the insured 's part of the policy . The owner of the policy , which can be the insured , the beneficiary and even another interested party designates who the beneficiary is .


Input: What Does Life Insurance Beneficiary Mean?

Output: A life insurance beneficiary is the person who will receive the benefits from your life insurance policy when you die . You select one or more Primary Beneficiaries when you purchase your policy , and that person or persons will be first in line to receive your insurance proceeds . If they have passed the policy will pay the death benefit to the Contingent Beneficiary or Beneficiaries .


Input: How To Apply For Life Insurance?

Output: That is a great question ! There are a couple of things that I 'd advise youto do , before applying for life insurance . The first is to look at your budget , and see what amount you can safely afford to spend on a policy . Life insurance is like your car payment - miss a few , and one day you wake up to find it 's gone , and so is all the money you 've spent so far . Then decide what you want it to do - replace income , cover funeral expenses , be a gift , etc. , and how much that amount needs to be . Once you 've figured that out , then look for an independent agent -LRB- one not tied to a single brand name -RRB- who can help you find the policy that is right for you . If you need help , do n't be afraid to drop me a quick note , I 'm happy to help you figure it out . Thank you for asking !


Input: How To Apply For Life Insurance?

Output: To answer the question of how to apply for life insurance , I would need to know the type of policy for which you are applying . 1 -RRB- Medically Underwritten This is the type of policy that requires some type of exam , and possibly the life insurance company will order your medical records . Applying for this type of policy requires that a fairly lengthy application be completed . It may be filled out on paper , digitally or over the phone . You might do it with your agent , with your paramed examiner , on your own , or with a representative of the insurance company . Once everything is collected by the underwriter , the company decides what to rate you , and you generally accept the policy by paying the first premium . Because there are so many different types of medically underwritten policies , there are a number of variations on how to apply for them . 2 -RRB- Simplified Issue Simplified Issue policies do not require an exam . Some never require medical records , while others order medical records as needed . Filling out the applications for simplified issue life insurance has about as many choices as medically underwritten applications . However , these policies tend to go into effect much more quickly , and it is often their practice to draft the first premium as soon as you apply or are approved . 3 -RRB- Guaranteed Issue Guaranteed Issue Life Insurance does not ask any health questions and has no medical requirements at all . It does not usually entail a phone interview , although applications are usually done face to face with an agent . Generally , these policies are graded and should go into effect within days .


Input: How To Apply For Life Insurance?

Output: You will want to work with an independent life insurance agent/broker to secure your coverage . They can help you through the process -LRB- providing quotes from multiple insurance companies , helping determine which program best serves your needs , completing the application , keeping track of underwriting , and placing the coverage in force -RRB- . If you would like help with your program , send me a message or give me a call . You can also run instant quotes on my website , TermInsuranceBrokers.com , and review additional information on the types of life insurance programs available .


Input: Can Good Grades Lower Car Insurance?

Output: Along with what Mr. Harris said , it 's important to note that the `` good grades '' discount offered by most carriers will work all the way through college . If your child is still on your insurance plan and is receiving a `` B '' average in college -LRB- 4 year or community -RRB- ask your agent if you can submit their transcript . It usually does n't have to be an official transcript , just a print out from their university 's website . It does n't hurt to ask if you 're not sure !


Input: Can Good Grades Lower Car Insurance?

Output: Yes many carriers will provide an additional discount for drivers on the policy that are able to achieve a 3.5 gpa or above for one semester or more . The amount of this discount is up to the carrier and will typically require some proof of the achieved gpa . This proof is normally a copy of the semester transcript from the school .


Input: Can Good Grades Lower Car Insurance?

Output: They most certainly do qualify you for an additional discount . Many companies view responsibility in other aspects of life as an indicator towards your driving habits . If you or an insured member are getting good grades , be sure to mention it when speaking with your agent if they did not already have this conversation .


Input: Can Good Grades Lower Car Insurance?

Output: Good grades often equates to good drivers -LRB- but not all of the time -RRB- . For that reason , most car insurance companies discount your rate if youthful drivers are earning a `` B '' average for the most recent grading period . The amount of the discount is typically 10 % -20 % and over the lifetime of the policy , it could save you thousands of dollars .


Input: When Should You Drop Life Insurance?

Output: This is a really good question . Everybody asks it . You do have some options . Lets see what the ramifications would be of choosing each one . You could drop it when you feel it has outlived its use . Lets suppose you originally bought a policy for family protection . But now , the kids are out of the house . You probably feel you dont need life insurance any more . But what about the next stage of your life ? And the stage after that ? What if you need to maximize your pension distribution ? What if a child - or for that matter a parent - becomes dependent on you later in life ? What if you want to leave a legacy of charitable bequests ? What if you want to start a business after you retire , and need to indemnify a bank loan ? Sure , you could always pick up coverage at that point . You think . Assuming you qualify medically and otherwise . And assuming you want to pay the extra cost due to a higher age . Then again , you could drop it when you feel you can afford to self-insure . So now you have a accumulated a sizable portfolio of assets . Your net worth is right up there . Why should you pay for life insurance when there is so much money at the disposal of your heirs ? But if you have demonstrated such savvy in reaching this pinnacle of success , you would certainly consider the following : What percentage of your asset portfolio is liquid ? Life insurance would pay your beneficiaries within days . If any bills have to get paid right off the bat , they will need liquidity . What about a estate equalization ? Some of your heirs may be in business with you and therefore inherit the firm . What about your children who are not working with you ? You probably want to take care of them as well . Life insurance could give them the same value as those children who inherit your business property . How about estate taxation ? Why would you want to pay Uncle Sam a ton of money dollar for dollar when you could have a life insurance policy take care of that obligation for pennies on the dollar ? The bottom line is that you could drop your life insurance any time you want . You just need to be prepared to face the consequences .


Input: When Should You Drop Life Insurance?

Output: It is of course your right to cancel , your insurance when you want to . There are a number of factors you should consider as mentioned by the others including whether or not or not you need the coverage now or will in the future and any tax consequences from surrendering the policy . Discuss with your agent/broker before you take any action to be sure you are making an informed decision . If you have further questions , or feel that I could be of assistance , please do not hesitate to contact me . If you would like to work with a local life insurance broker , you could start with a Google search . For example , if you search for : life insurance broker Halifax or life insurance agent Halifax , my name , along with several others , will come up . You can use the same method to find a life insurance broker in your community .


Input: When Should You Drop Life Insurance?

Output: Generally , you want to have some form of coverage if you have a need for it . If you have a term insurance policy , you will generally drop it when the initial premium guarantee period expires - at this point , the policy would become annually renewable and the premium will increase each year by a substantial amount -LRB- based on age -RRB- . People will generally replace an expiring term insurance policy with a new term policy or a permanent policy . If you have a permanent policy , you 're generally keeping it for life - that 's why you bought a PERMANENT policy . However , there are many situations why people `` drop '' these policies . A common one is because they may be able to secure a lower premium , better guarantees , and/or better cash value build-up . When people change from one permanent policy to another , they may do a 1035 exchange/rollover to reduce the premiums they 're paying each month -LRB- this is done by taking the cash value from the old policy and using it towards the first year 's premium on the new policy . A lot of people tend to drop their coverage because they ca n't afford the premiums . Many programs allow you to reduce the face amount of the policy to reduce the premiums - so you do n't necessarily need to drop your coverage because you ca n't afford the original rates . Why would you do this rather than just drop the policy altogether ? - your program 's existing risk class and your current medical insurability . You may also consider converting your term program to a permanent policy as well . I highly recommend consulting with your agent before dropping your coverage to make sure it 's the right move for you . There may be alternative courses of actions you have n't thought of that are available to you that may play out better for you in the long run .


Input: When Should You Drop Life Insurance?

Output: Dropping life insurance is not usually advised , as we all die someday . However , there are circumstances to dropping a policy . The first would be becoming independently wealthy with no debt . Whether you sell a business or win the lottery . The next reason would be if a term policy were to expire . Practically all term policies increase premium ten fold when the term ends . This will force a policy owner to change and give an underwriter another chance to look at a person 's health history , lifestyle , occupation changes , etc. . Otherwise , try to change a policy not just cancel one .


Input: When Should You Drop Life Insurance?

Output: In the last ten years do to Investment life insurance I would n't recommend dropping life insurance . The polices have become an investment with new technology and designs of the policies . However if you have an older policy you might want to cash out put some money in your pocket and take a look at the new policies you would need to talk with your agent so he or she could help you make the proper move . First an foremost in most cases you should never be without life insurance . A sickness could damage your finances or a auto accident that 's your fault and you are not insured thru your auto insurance in the amount to cover a possible death in the accident could destroy everything you worked all your life to save .


Input: How Not To Pay Taxes On 401K Withdrawal?

Output: The only way you can take money out of your 401 -LRB- k -RRB- is to take a loan . A withdrawal will be reported to the IRS and will be considered income . As long as your 401 -LRB- k -RRB- is not closed , you should not be taxed . Be aware however you may be required to repay the loan back with monies taken out of your paycheck .


Input: How Not To Pay Taxes On 401K Withdrawal?

Output: The whole idea of a 401 -LRB- k -RRB- is that you defer taxation on the deposit and the earnings of the 401 -LRB- k -RRB- until a later date . The assumption is that you will be avoiding a high tax now for a low tax later . The irony is that is not always the case . The IRS will not only tax your 401 -LRB- k -RRB- but they will force you to take withdrawals at a predetermined rate after you reach seventy and a half years of age , unless you are still working . While you can not avoid paying the tax , there are schemes that would allow you to take the Required Minimum Distributions -LRB- RMD -RRB- each year and hopefully preserve the money in the fund . However , when you die , your beneficiaries will have the privilege of paying the taxes on the money .


Input: Does Great West Life Cover Travel Insurance?

Output: The greatwestlife.com website says this about Travel Insurance : `` Our Global Medical Assistance group plan enhancement to your group healthcare plan is designed to provide worldwide assistance to travellers in emergency medical situations , wherever and whenever the need arises . '' It states that coverage is up to $ 1,000,000 per covered trip and that they rate the trip on a scale of 1-6 , with the option to cover trips that last up to 30 days . Visit their website for more accurate information and to contact Great-West Life .


Input: How Long Can Children Stay On Auto Insurance?

Output: Children can stay on your car insurance as long as they live with you and the car is titled in your name . When your son or daughter moves out or they purchase a vehicle titled in their name they would need to get their own insurance policy . Their are pros and cons for children having their own insurance policy so check with your agent to see which option is better for you .


Input: How Long Can Children Stay On Auto Insurance?

Output: The answer depends upon your state . In California there isnt any age requirement . The key issue in California is , who is in the household . If there are older adults living in the household they not only can but must be listed on the policy or excluded by endorsement .


Input: How Much Does Individual Health Insurance Cost In Tennessee?

Output: The answer to your question will depend upon your age , where you reside in the state of Tennessee and , in some cases , whether you smoke or use tobacco products . The Affordable Care Act effective January 1 , 2014 requires the use of community rating so rates literally vary year by year depending upon a person 's age at time of enrollment . This prevents anyone from giving you a simple answer to your question . The type of health plan you select and whether you might qualify for advanced premium tax subsidies will also effect what your final rate would be . Leaving out the possibility of any premium subsidies an individual could be looking at rates ranging from the low $ 100 's to $ 800 + per month depending upon their age and the insurance carrier and plan design they select .


Input: How Much Does Disability Insurance Usually Cost?

Output: Disability insurance usually costs between 1 % and 3 % of the insured person 's annual salary . You can get a policy with all the features , that will last a lifetime , and that will increase the benefit over time to compensate for inflation.Or you can get a basic policy with a short coverage period . The costs vary a lot depending on the features you choose .


Input: Is Tiaa Cref A Good Retirement Plan?

Output: TIAA Cref stands for Teachers Insurance and Annuity Association - College Retirement Equity Fund . TIAA Cref is one of the most highly rated insurance companies in the U.S. . They offer insurance products and financial services that include retirement plans . They have also expanded their services from just educators to the public .


Input: What Does Medicare Pay For Physical Therapy?

Output: Physican therapy is covered under Medicare Part B , but there are cap limits for therapy services - $ 1,920 for physical therapy -LRB- cap for services combined with speech-language therapy -RRB- . If the services are deemed medically necessary -LRB- and documented -RRB- by your therapist , you would not be responsible for costs above the $ 1,920 cap.If you 're getting physical therapy services that are not medically necessary , then Medicare will not pay for the services . Medicare would be paying for approximately 80 % of the costs and you would be responsible for the other 20 % , after the Part B deductible -LRB- $ 147 in 2014 -RRB- . A Medicare supplement -LRB- Medigap -RRB- plan can help pay the Part B deductible and the 20 % costs for physical therapy services .


Input: What Does Medicare Pay For Physical Therapy?

Output: Medicare covers physical , speech and physical therapy -LRB- subject to specific limitations -RRB- . This assumes the treatment is needed so you can carry on day to day activities or keep symptoms that you have from perhaps getting worse . Of course , it is important that the services you receive are considered safe and effective . Your physician should also be reviewing the treatment you are receiving . If your claim for these services is denied , there are steps you can take to appeal , through a specified process .


Input: Is Life Insurance A Retirement Plan?

Output: Life Insurance an insurance policy that can be a tax advantaged retirement plan if it is designed to maximize income and the policy owner is committed to keeping the policy in force for the life of the insured . There are four cash value accumulating life insurance policies to choose from based on your risk tolerance assessment : participating whole life , current assumption universal life , indexed universal life and variable universal life . One key design item is purchasing the lowest death benefit option that complies with TAMRA , a regulation that governs the contribution of premiums in relationship to the death benefit .


Input: Does Home Insurance Cover Firearms?

Output: Homeowner 's insurance often covers a basic amount of firearms as part of the regular coverage . Many carriers allow you to add a rider that increases the coverage that you have on guns etc. . . These riders can also be used for other specific items in the house . Since the cost is different for each company , an experienced broker can compare the best options for you .


Input: Does Medicare Work Outside The US?

Output: The short answer is no . However , if you have a Medicare Supplement Plan -LRB- Medigap Plan -RRB- C , D , F , G or N you have foreign travel emergency coverage . You would pay the first $ 250 and then 20 % . The plans would pay 80 % to a lifetime maximum benefit of $ 50,000 . You would be responsible for everything after the $ 50,000 was met . Some people decide to get an International Medical policy before they go on a trip .


Input: How Does Whole Life Insurance Build Cash Value?

Output: A permanent life insurance policy is designed to last a lifetime . In order to face the increasing costs of insuring in the later years , the company accumulates money which it calls cash value . As the cash value accumulates it means that the company has a smaller increment of life insurance to purchase each year until the policy ultimately endows or the cash value equals the face amount . It is really a simple idea but it is all math !


Input: How Does Whole Life Insurance Build Cash Value?

Output: Participating whole life insurance is one of the few products that cant be disassembled in to parts , but that being said , most participating whole life policies build cash value by receiving the policy owners premiums , deducting policy expenses and fees and then applying the portfolio net returns to the policy in a form of dividends . The cash value account accumulates tax deferred .


Input: How Does Whole Life Insurance Build Cash Value?

Output: Whole life insurance builds cash value through the payment of premiums . With permanent insurance programs -LRB- universal life included -RRB- , the carrier has a cost of insurance charge -LRB- a.k.a. mortality and expense charges -RRB- that is taken out of the premium . The net amount remaining gets added to the cash value total -LRB- if the premium is less than the cost of insurance charge , then the cash value total would decrease -RRB- . You can borrow from the cash value , but it would create a loan against the policy and , like a bank loan , features an interest rate while the loan is outstanding - the funds are expected to be paid back . When a claim is made on the policy -LRB- the insured dies -RRB- , the carrier takes back the cash value and pays out the death benefit -LRB- less any outstanding loans and interest against the policy -RRB- . Make sure to discuss what will happen to the policy before doing anything with the cash value including borrowing from it and terminating the policy to get the cash value . I hope the information is helpful - please feel free to contact me for help with your program and if you have any questions . Thanks very much .


Input: Which Car Insurance Coverage Should I Get?

Output: The auto insurance you should purchase is the one that meets your needs . If your asking which company I ca n't really answer the question since I do n't know if you looking at quality or price . Both are preferred . My recommendation is to contact a local independent agent who can shop several different insurance companies for you and find the best one to fit your needs .


Input: How To Drop My Health Insurance?

Output: This is generally done in one of two ways . The first way is to write a written letter to the carrier requesting your policy by terminated - your insurance agent or broker can help you complete this . The second way is to not pay the premium - when this happens , your policy will lapse on its own due to lack of payment .


Input: Can You Have Two Medigap Plans?

Output: No , it is illegal to have 2 Medigap plans . However , you can combine a separate Living Benefit Life or Supplemental Benefit policy that provides cash benefits in case of Accidents , Critical Illness , Disability , Terminal Illness or Death . This is a great way to offset financial risk in most cases .


Input: Can You Have Two Medigap Plans?

Output: No . It 's useless to have 2 medigap plans anyway as the coverage would become redundant - you would be paying extra money for no additional benefit as the carrier would n't be able to pay extra above and beyond what 's stated in the policy . E.g. -LRB- under the assumption that you could have 2 Medigap plans -RRB- if you have a plan F and a plan N , the plan F already covers everything at 100 % making the benefits under a plan N moot and would n't pay anything out . I hope the information is helpful - please feel free to contact me for help , including quotes and plan comparisons , and if you have any other questions . Thanks very much .


Input: Can You Have Two Medigap Plans?

Output: The primary reason having two Medigap policies is not allowed is that fact that there would be zero benefit to doing so . All insurance policies contain a clause known as co-ordination of benefits , which allows multiple insurers to work together to determine who is responsible for paying your claim . Insurance is intended to help protect one from possible loss , to to profit by having two different companies pay the same bill .


Input: How Much Is A Unit Of Colonial Penn Life Insurance?

Output: A unit stands for $ 1,00 of life insurance . Therefore , if you purchase 7 units you are purchasing $ 7,000 of life insurance . Life insurance carriers charge a certain amount per unit of life insurance . Thus , the price you pay is based on the number of life insurance units that you purchase .


Input: What Does Vested Mean In A Retirement Plan?

Output: Being vested in a retirement plan means that you get to take the funds with you when you leave your job , or that those funds will be paid to you when you retire . You can be fully vested , in which all the money in your retirement fund belongs to you . Or you can be partially vested , which means that you would receive part of the funds in your retirement account .


Input: How To Get Quotes For Homeowners Insurance?

Output: You could call insurance agents within your area for a start . Whe you call please have the following information available . Normally a requires the year of construction of the home , the square footage of the home , type of garage -LRB- if any -RRB- , any decks or porches , basement type -LRB- if any -RRB- , architecture type of the home , distance of the nearest responding fire department , and possibly more .


Input: What Does Immediate Annuity Mean?

Output: That is a great question ! There are two types of annuities - deferred and immediate . Deferred annuities take the initial deposit , and promise an interest rate for a certain number of years , and after the passage of a determined number of years , starts to pay out monthly . An immediate annuity takes your deposit , and very quickly starts to pay it back to you in monthly payments . Both types are designed to provide income for a determined amount of time . I hope that helps , if you would like more information , please contact me , okay ? Thanks for asking !


Input: What Does Immediate Annuity Mean?

Output: An immediate annuity is an annuity where you give a single lump-sum payment and , in exchange , the insurance company pays a guaranteed income for a number of years -LRB- there are options to choose from - some can go for only a set number of years , others can go for life -RRB- . The payments start immediately -LRB- typically the first month following the month the annuity is placed in force -RRB- . Immediate annuities are great for seniors who are concerned about outliving their life savings as it provides a guaranteed income . I hope the information is helpful - please feel free to contact me for help and if you have any other questions . Thanks very much .


Input: What Does Immediate Annuity Mean?

Output: An immediate annuity is a contract where you pay the insurance company a lump sum of money and they guarantee to pay monthly benefits for the balance of your life . It is the most basic annuity . Life insurance addresses the risk of dying to soon . An immediate annuity addresses the risk of living too long . It is an essential part of retirement income planning .


Input: Does Life Insurance Cover Funeral Costs?

Output: Yes life insurance can cover funeral costs if you have the right type of life insurance and enough of it . If you 're buying a policy mainly to cover funeral costs you want to make sure that it is a whole life policy not a term and usually not a universal life . Depending on your age you need to figure inflation in and buying the amount To cover a funeral not only today but in future years . An average funeral today is $ 8,000 to 10,000 in most parts of the country . But those costs have always doubled every 15 years or so .


Input: Does Life Insurance Cover Funeral Costs?

Output: Life insurance proceeds are sent to the legal beneficiaries of the life insurance policy . There are no dictates to beneficiaries , -LRB- unless in some will or directive document . -RRB- So the beneficiaries are free to use the death benefit proceeds as they see fit . It is , however , highly recommend that all final expenses and outstanding debts are paid first .


Input: Does Life Insurance Cover Funeral Costs?

Output: Life insurance proceeds go to the beneficiary that is named on the policy at the behest of the policy owner . The beneficiary can use those proceeds in whatever way they wish . This can be to pay for funeral costs , pay off a mortgage , roll it over into a new life insurance policy , etc. .


Input: Does Life Insurance Cover Funeral Costs?

Output: Yes , life insurance can be used for funeral expenses or anything else your beneficiary would choose . The life insurance policy designated especially for funeral expenses is called a final expense plan . However , any type of life insurance be it whole life , universal life or term life insurance proceeds can be used for funeral and final expenses . Life insurance proceeds can also be used for repaying debts , funding a child 's education or invested to replace the income of a loved one 's income . The nice benefit about life insurance proceeds if set up properly are tax free .


Input: What Retirement Plan Should I Choose?

Output: To determine what retirement plan you should choose , you first need to establish a financial profile that determines your effective tax bracket and includes a risk tolerance assessment . Based on that information , you need to consider whether your retirement plan should be qualified or non-qualified . For example : If you select a qualified plan , does your employer sponsor a 401 -LRB- k -RRB- and matching contributions ? If not you may want to look at individual qualified plans like Roth IRA or traditional IRAs . If you dont like some of the restrictions of qualified plans , you may want to investigate cash value life insurance like Participating Whole Life , Current Assumption Universal Life , Indexed Universal Life and Variable Universal Life . Product suitability needs to match up to the policy owners financial profile and risk tolerance . The policy design is critical to the cash accumulation , using the lowest cost of insurance option that complies with TAMRA .


Input: Is Medigap The Same As Part B?

Output: Let me start by saying that Medigap isnt the same as Part B but lets get a better understanding of how Medicare works . If you look at page 17 of the 2015 Medicare and You book you will see there are 2 main choices on how you can get your Medicare coverage . There is Original Medicare that includes Part A and B with the option to fill in the gaps in Original Medicare by buying a Medicare Supplement Insurance -LRB- Medigap -RRB- policy . Or there is Medicare Advantage Plan , Part C , which include Part A , Part B and in most cases Part D. On page 92 of the Medicare and You book you will find that all Medigap policies are standardized . All polices offer that same basic benefits but different insurance companies may charge you different premiums for the same exact policy . Its a good idea to use a good broker that represents multi companies that can show you not only the price difference but also the average rate increases because all Medigap policies go up every year . Now there are different Medigap plans A-N , the easiest way to think about this is like car insurance . You can buy a car insurance policy with no deductible but by doing so your premium will be higher . If you choose to assume some of the risk , buying a policy with a deductible your premium will be lower . As long as youre in fairly good health -LRB- no major illnesses or recent hospitalization with in the last 2 years -RRB- you can show the market for the lowest price , remember Medigap plans always have a price increase each year and its always a wise decision to shop around every couple of years to find the best price . I am aware of one insurance company that once you are approved , will allow you to change between plans without re-looking at your current health , which may be a viable option if you want to save money with a higher deductible while you are in good health and then when your health starts to change you change your plan to a lower deductible . If you have any other question feel free to contact me for a phone review or we can chat on Skype .


Input: Is Medigap The Same As Part B?

Output: No . Part B is your Original Medicare physician insurance - it 's one of the two parts of Original Medicare , the other being Part A -LRB- hospital insurance -RRB- . You must have both Medicare Part A and Part B in force to buy a Medigap plan . Original Medicare pays for the first 80 % of healthcare expenses , leaving you responsible for the other 20 % . Depending on which Medigap plan you buy , it will cover all or a portion of the other 20 % of expenses . The idea behind adding a Medigap plan to your Original Medicare coverage is to create a very predictable healthcare expense structure and limit costs your can be responsible for . I hope the information is helpful . If you 'd like to learn more about Medigap plans and how they help you , please feel free to contact me for help . I 'm an independent insurance broker with a strong background in senior insurance products and am licensed in many states and with over 40 insurance companies . Thanks very much .


Input: Is Medigap The Same As Part B?

Output: Here is how senior coverage stacks up : Part A - covers hospital care , skilled nursing facility care , nursing home care -LRB- as long as custodial care is n't the only care you need -RRB- , hospice , and health care services . Part B - covers Physician care . It covers services like lab tests , surgeries , doctor visits and supplies like wheelchairs and walkers that are considered medically necessary to treat a disease or condition . Once you have Part A and Part B , you can purchase a Medicare Supplement Plan such as Plan F , also known as Medigap . Plan F covers costs known as Medicare Part B excess charges . With Medicare Supplement Plan F you get the most complete coverage available . Because the plan covers costs in excess of Medicare-approved amounts , you may have no out-of-pocket costs for hospital and doctor 's office care with this plan . There is a Plan F `` high deductible '' option that can save you money on the monthly premiums , but the `` high deductible '' comes with a deductible of $ 2140 for 2014 before the plan pays anything . As always , it is best to find an independent insurance broker that works with seniors to help navigate the choices .


Input: How To Sell Annuities?

Output: Selling tax deferred annuities is first an educational process . You need to know the crediting methods and policy provisions of the contract . Secondly , you must have a working knowledge of ordinary income taxes because tax deferral is a significant advantage under the code . And finally , you need to understand product suitability for a prospective buyer . Annuities are not for just anyone .