Input: Why Would You Get Life Insurance On A Child?

Output: With modern medicine comes the ability to diagnose a myriad of diseases , genetic disorders , even the tendency to develop health conditions . While these are very helpful in keeping people alive longer , they are not all that helpful when it comes to getting life insurance . Getting life insurance on your child helps you lock in some good rates for them while their slate is still pretty clean !


Input: Why Would You Get Life Insurance On A Child?

Output: Primarily for burial costs . I just took out $ 50,000 for $ 5 , one of each kid -LRB- 3 of them -RRB- which I will give to them when they get older . This is more of a gift than anything else . Insurance companies will not allow you to get a large policy on a child unless the parent has at least 3-4 times on themselves . That said , you have to explain why as no one depends on the child as well .


Input: Where Is The Cheapest Place For Car Insurance?

Output: You can find the cheapest auto insurance at your agents office . The cheapest auto insurance is the policy with adequate limits that pays damages that result from an accident . Since this can involve personal injury and property damage , the amount can increase rapidly . Your agent will listen to you , offer sound financial advice and communicate clearly with you and the insurance company . When you have a claim , you will be happy that you have the cheapest insurancethe one that pays !


Input: Does Health Insurance Affect Your Tax Return?

Output: First , let me say I am not an accountant or tax expert at all . This questions would be best answered by a Certified Public Account or other tax pro . I can only speak to my personal situation . For years we did n't have a group plan through my company and I had individual/familycoverage that I paid for out of pocket . I also have family members who have some health issues that included specialists , a lot of RX drugs , etc. . Simply due to the cost of the health coverage , we had to go with a high deductible health plan as well . So , over the course of a year we would have our health premiums , high deductibles , plus a bunch of specialist costs that were not even covered by our insurance . This generated a ton of dollars that came out of my pocket personally . There is a threshold for medical expences -LRB- I do n't remember what it is -RRB- where anything over an above that figure is deductible on your tax return . I have been well over that figure every year for the last 5 or 6 , so I have been able to deduct a good amount of my out of pocket expence . This is just my personal situation and again , I am not a tax professional of any sort . All this was done on the advice of my personal accountant . I would highly recomend you contact a tax professional and discuss your individual situation with them .


Input: What Auto Insurance Is Cheapest?

Output: The cheapest auto insurance policy is the one that pays a claim in full ! There isnt another valid criterion . Advertising emphasizes premium but if limits are inadequate , price will not mean anything ! Discuss your needs with a trusted insurance agent . The agent will listen to you , offer sound financial advice and communicate clearly with both you and the insurance company . When you get your policy make sure it is what you ordered .


Input: What Auto Insurance Is Cheapest?

Output: The cheapest auto insurance policy will potentially save you hundreds of dollars -LRB- or more -RRB- each year . Finding the company that offers the best rates is what experienced brokers -LRB- such as myself -RRB- do . Since there are dozens of carriers that offer competitive quotes , learning how to properly compare the offers and determine which company is best , is critical . But when done properly , you , the consumer , saves big !


Input: What Determines How Much Life Insurance You Need?

Output: The reason you are purchasing the insurance and your circumstances . Are you married ? Do you have children ? Do you have a mortgage and other debt ? Are you planning on sending your children to college ? What about Final Expenses ? Does your wife or husband work ? Will they need any money to help them until Social Security for the minor children starts ? All these things need to be taken into consideration . A good experienced life insurance agent will help you determine what your needs are and recommend a plan of action that is affordable .


Input: What Determines How Much Life Insurance You Need?

Output: Bottom line is , YOU determine how much life insurance you need , want and can afford . Some people have large estates that require special financial and legal evalutation . You may need one or more trust documents and life insurance to provide estate liquidity . Others have a financial interest in a business and succession planning that calls for life insurance to fund the business after you are gone .


Input: What Determines How Much Life Insurance You Need?

Output: The first step is to calculate your indebtedness : mortgage , auto loans , student debt and credit cards . Then add future obligations like your childrens education , weddings and your retirement . Then theres the human value equation . Human value is defined by the gross earning power of an individual over their expected lifetime ; this should include Social Security benefits in retirement as well . That total earnings should also include an inflation rate , some underwriters use 3 % . The total sum will give you an idea of the human value you can indemnify for life insurance purposes .


Input: What Does Life Insurance Mean?

Output: Life insurance is insurance that pays a lump sum of money to the person you select -LRB- called a beneficiary -RRB- when you die . It can be purchased to cover you for a limited period of time -LRB- term life insurance -RRB- or for the rest of your life -LRB- whole life insurance . -RRB- it 's a beautiful thing .


Input: What Does Life Insurance Mean?

Output: I believe life insurance is meant for the living . That 's why they call it life insurance . There are two reasons for life insurance ; one is to protect your assets , the other is to protect your family . Based on a discussion of needs , I would probably recommend a combination of both term and permanent insurance . I would use the term insurance to cover the assets such as houses , cars , boats for the life of the loan , and I would use use permanent insurance to cover an untimely passing of the breadwinners ; to cover future expenses such as college for the kids and unexpected bills .


Input: Can An Insurance Company Drop Your Homeowners Insurance?

Output: The short answer is yes . An insurance carrier will provide notification of cancellation normally at least 10 days in advance of cancellation or non-renewal . If you have not paid your premiums or have been late paying your premiums , or have numerous or high dollar claims your carrier may decide that the risk you present is too great for them .


Input: How Do I Enroll In Medicare Part A?

Output: If you have worked the required amount of time then you will automatically be enrolled in Medicare when you reach 65 or qualify due to disability . You can not enroll unless you meet the age or disability requirement . If you do not meet the work requirement you may be able to buy in , contact 1-800-Medicare . Unless you have group coverage make sure you also have Part B and select a Part D plan . Otherwise you may have penalties .


Input: What Does Halifax Critical Illness Insurance Cover?

Output: Halifax Critical Illness Covers the following Conditions -LRB- please consult them directly to confirm the listed conditions are still covered -RRB- : Alzheimers Aorta graft surgery Aplastic anaemia Bacterial meningitis Benign brain tumor Blindness Cancer Coma Coronary artery by-pass surgery Creutzfeldt-Jakob disease Deafness Heart Attack Heart Valve replacement or repair HIV/AIDS as a result of physical assault or accident HIV/AIDS from blood transfusion Kidney failure Loss of limbs Loss of speech Major organ transplant Motor neurone disease MS Parkinson 's Stroke Third degree burns Total permanent disability


Input: What Does Halifax Critical Illness Insurance Cover?

Output: Halifax Critical Illness is a United Kingdom . It looks like they have a life insurance policy which , in addition to life insurance protection , also provides a lump sum benefit if you are diagnosed with a terminal illness or a specified covered illness . Although I do not know specifically what conditions are covered , usually stroke , heart attack and cancer are included . Call the company to get more details : +44 113 242 2229


Input: How Does Health Insurance Deductible And Coinsurance Work?

Output: Deductibles are the amount of money you have to pay out of your own pocket before the insurance `` kicks in '' . For instance , if you have a $ 1000 deductible and your bill from the hospital is $ 3000 , you would pay the first $ 1,000 , then the insurance would pay their agreed upon portion of the remaining $ 2,000 . Co-insurance is similar to a co-pay in that it is your portion of the bill that is owed . The difference is that a co-pay is a set amount , say $ 20 per office visit where a co-insurance is a percentage of the bill .


Input: Does Renters Insurance Transfer?

Output: If by transfer you mean does the coverage apply at a new location , the answer is yes . The coverage is limited during the transfer itself -LRB- when things are being transported by a moving company or friend . -RRB- The coverage remains in force in most cases for a relatively short period of time . Since underwriting needs to re-evaluate this new location it is necessary for you to contact your agent immediately .


Input: Exactly How Much Can You Make Selling Life Insurance?

Output: The average life insurance agent makes be around $ 50,000 on life insurance sales a year . There are a segment of the sales force that makes between $ 75,000 and $ 100,000 a year . Less than 1 % make over those numbers day in and day out . Selling life insurance successfully is based on the law of large numbers .


Input: Can A Car Get Impounded For No Insurance?

Output: If your state laws require your vehicle to be registered and insured to be on the road and it is not then yes , your car can be impounded for not having insurance . An automobile should never be operated on any public road without insurance . If for some reason you are pulled over and have no insurance I recommend that you be really nice to the police officer and then go buy some insurance .


Input: Can You Have Two Medicare Supplemental Plans?

Output: I suppose you could but it is not necessary . The last plan that was approved is the one that is in the Medicare system . When your provider files a claim with Medicare , they adjudicate the claim and send it on to your Medigap carrier of record . That is the only carrier that will have information and will be able to pay your claims .


Input: Can You Have Two Medicare Supplemental Plans?

Output: No - only one Medicare supplement plan will pay after Medicare pays . If you try to have 2 Medicare supplement plans , you 're spending extra money on the 2nd plan for no reason because it wo n't pay any benefits . Only one supplement plan will pay . The cost of 2 plans would also be more than having 1 Medigap plan F that covers all 9 benefits at 100 % . I hope the information is helpful - please feel free to contact me for help and if you have any questions . Thanks very much .


Input: What Company Has The Cheapest Life Insurance In Iowa?

Output: There is no one company that has the cheapest life insurance in Iowa for every person . Some companies specialize in life insurance for those with certain health conditions . Some have the cheapest rates for those who want a quick policy without having to take an exam . Others have the lowest rates for those with perfect health , but the competition for those is so strong that many companies ' rate are within cents apart . To get the cheapest life insurance rate for you , go to a website that offers a quote engine that quotes Iowa life insurance rates . The one that comes up on top will most likely be your best price .


Input: What Company Has The Cheapest Life Insurance In Iowa?

Output: Pretty much every US life insurer does business in the state of Iowa . Cheapest will depend on your medical circumstances . You can find an agent who can match your medical background against carriers to pick the best one , or you can search for various life insurance health analyzers online to try and determine which carrier will work best for you before speaking with an agent .


Input: How Much Does Medicare Pay For An EKG?

Output: Medicare will cover an EKG in one of two scenarios : 1 -RRB- When you 're new to Medicare , Medicare will cover an EKG screening with a referral from your doctor as a result of your one-time `` welcome to Medicare '' preventive visit . 2 -RRB- The other scenario is when your doctor orders it for diagnostic purposes . An EKG is covered under Medicare Part B. Medicare will pay for about 80 % of the costs after the Part B deductible is met -LRB- $ 147 in 2014 -RRB- - you would be responsible for the other 20 % and the Part B deductible . When you first enroll in Medicare Part B , you open your 6-month initial open enrollment period to buy a Medicare supplement plan -LRB- a.k.a. Medigap plan -RRB- with NO MEDICAL UNDERWRITING ! . A Medigap plan can cover the deductibles and a portion or all of the other 20 % of expenses covered by Part B and features a number of other big advantages as well . An experienced broker can help find the plan that 's most suitable for you and your budget . Please let me know if I can be of help . Thanks very much .


Input: How Often Do You Pay Renters Insurance?

Output: How often you pay for a renters insurance policy is really up to the insurance carrier and how they insurance company structures their billing plan . Some insurance companies may say pay in full due to the low cost of renters insurance while others will let you go monthly . Keep in mind there are payment fees for making payments so if you can pull off paying in full you avoid the installment fees .


Input: What Is Vesting Age In Life Insurance?

Output: Vesting does not relate to life insurance , at least , not in the common uses of the term with respect to pension plans . A policy owner owns any cash values and all policy rights . You might be referring to a surrender charge schedule which exists in many permanent policies , especially Universal Life and related types and is subtracted from the cash accumulation value in the event the policy is canceled early . A surrender charge usually applies in the first several years of the policy e.g. 3-20 years , depending on the policy . Most schedules grade down during this time .


Input: What Are The Best Jobs For Cheap Car Insurance?

Output: Car insurance is not based on your job it is based on the annual mileage and miles you drive to work . If you do not commute and drive less than 6000 miles per year , for example , your rates will be lower than a person who drives his car all day in business putting 40,000 miles per year on his car .


Input: How Much Life Insurance Do I Need?

Output: Video Transcript : Today 's question is , `` How much life insurance do I need ? '' Well , you need to take all your financial obligations in indebtedness , all your future obligations like college , retirement , other areas that you think that you want to talk about or even charitable intent . You need to take all those totals , plus the loss of income . Because if I 'm not there to generate income , what happens to my spouse or my family ? I need to be able to generate income for them to live on . So what I 'm looking at , all the ideas of `` How much do I need ? '' I want to take all these areas into consideration ; financial indebtedness , future obligations , maybe some charitable intent , and to replace the income from the person who 's died . Well , that 's our consumer question for today . If you have any questions , just submit them to www.insurancelibrary.com .


Input: How Much Life Insurance Do I Need?

Output: Conventional methods center on a capital needs analysis -LRB- how much do I need as a lump sum at my death to create an income for my family -RRB- . Other methods look at Human Life Value and still other use variations on these methods . Ask a life insurance professional to provide a customized analysis for you and your family . There are a wide variety of online calculators such as this one : WEBSITELINK These online calculators can help get your arms around the problem and better prepare you for a planning discussion with your agent .


Input: How Much Life Insurance Do I Need?

Output: When you die , you wont need any . Those you love will suffer tremendous loss and they are the ones that set the amount of insurance that you need . Few want to leave their family in debt and most want their family to be able to maintain their lifestyle . Some even have dreams of seeing their children attend universities . Whatever you want for those you love dictates the amount of life insurance to own .


Input: How To Decide Whether To Buy Long Term Care Insurance?

Output: If your family has a history of critical illness or disease , then you should consider purchasing long term care insurance -LRB- LTCi -RRB- If you have longevity in your family history , the odds are high that you will need LTCi during your later retirement years . The average retiree will spend $ 250,000 during retirement on medical care , some of which will be spent on extended care .


Input: What's The Best Health Insurance?

Output: In our opinion , the Best Health Insurance is the Affordable Health Insurance with the largest operating network in your geographic area and having services in any region you wish to visit.If you desire an HMO or a PPO , the same principal applies , however , if you have an HMO it is even more crucial that there is an option for Out of Network Emergency Care since the HMO clients seem to suffer more when they need medical attention out of their network . Presently , Anthem has the largest network of Doctors and Facilities ; we have provided the following link to obtain a quote , make a selection and purchase your well deserved coverage should you so choose ! WEBSITELINK


Input: Can You Get Disability Insurance While Pregnant?

Output: If you 're pregnant during the disability insurance underwriting process , then you will receive an exclusion for anything pertaining to pregnancy . After you 've had a normal childbirth , you can apply to have the exclusion removed . As long as you had no complications , it 's pretty easy to get the exclusion removed . But if you 're hoping to get DI coverage in case the pregnancy does n't go well , then that wo n't work .


Input: Can You Get Disability Insurance While Pregnant?

Output: Can you disability insurance while pregnant ? Yes , but be aware of pre-existing condition clauses . So you could get covered , but not for conditions that presented themselves before the application the previous 3 months or 6 months , depending on the carrier . So you could be covered under a new plan , but just not for conditions that occured just prior to application .


Input: Can You Buy Your Own Health Insurance?

Output: This is an awesome question ! Of course you can definitely apply for your own insurance . In fact , I always say that this can be a better option because if you change careers , you do n't have to worry about your health coverage being linked to your job or terminating when you leave . It 's yours , you manage it .


Input: How Does Life Insurance Make Money?

Output: Life insurance companies make money the same way that car insurance companies make money ... from the premiums you pay . The most simple form of life insurance is term life insurance . If 100 people buy a 20 - year term life insurance policy , they will all pay premiums for 20-years -LRB- less if they cancel early -RRB- but only 1 of them will die during the 20-years . 99 of they will outlive the term . The life insurance companies price each policy based on the likeliness that you would die while the policy is covering you . You do n't have to worry too much about insurance companies . They know the numbers . They make money .


Input: Does Health Insurance Cover STD Testing?

Output: Coverage for testing/screening for sexually transmitted diseases -LRB- STDs -RRB- has been standard practice in the group and individual health insurance marketplaces for many years . What is covered and how may have varied from state to state . Under the requirements of ObamaCare , health insurance policies compliant with that law will have to cover testing for HIV and a variety of other STDs . So , certainly , policies purchased on or after January 1 , 2014 should offer rather extensive coverage for STD testing and in most cases one would expect testing/screening to be covered under the preventive care requirements of ObamaCare which means 100 % coverage with no copays , deductibles or co-insurance cost sharing . Testing done for treatment purposes and monitoring after an initial diagnosis has been made are then subject to the plan 's treatment coverage provisions . So , the very same test done at no charge to diagnose an STD may be subject to a copay , deductible and/or co-insurance when done in conjunction with chronic disease management/treatment .


Input: Does Health Insurance Cover STD Testing?

Output: Yes ! Part of the Patient Protection and Affordable Care Act -LRB- Obamacare -RRB- now mandates that qualified health insurance plans provide free preventative care to all ... STD testing falls into thatcategory . Some older plans may still not cover it , but anything post-2009 does . But , it does not coverexcessivetesting . So , if you get more than 1 test per year , you would be subject to any co-pay , deductibles , and/or coinsurance that might apply .


Input: What Does An Auto Insurance Policy Look Like?

Output: An Auto policy on the st page should have what is called your declarations page . This will have on it Bodily injury liability limits example would $ 25,000 per person / $ 50,000 -LRB- this is medical bills they pay to others -RRB- Then it should have Property damage example $ 10,000 -LRB- this is the coverage to the cars or fence or tree or what ever you cause damage to other then medical bills -RRB- Then there is a section that you should have that is Uninsured and underinsured This should be matching limits to your liability limits listed above . This if for you if you get hit by someone that has no insurance or has insurance but there limits are not high enough to pay all your medical bills that you got from the accident then there is medical pay usually this is 5,000 this is for you also incase you are hurt on near or around your vehicle it also is used for funeral bills incase you die in your car you loved ones can use this to help with the funeral expense then If you have what some call `` Full '' coverage this would be the deductible part . Comprehensive or other then collision coverage less your deductible then there is collision . In Montana we do not have what some state have which is call PIP which is personal injury protection .


Input: Is Life Insurance Considered Inheritance?

Output: Life insurance death benefit proceeds pass to the beneficiaries generally tax free . Those proceeds can be considered an inheritance , along with any other assets that are passed down to the next generation . The leverage of life insurance can create an inheritance for children and grandchildren , even charitable organizations . That 's life insurance !


Input: Is Life Insurance Considered Inheritance?

Output: When speaking in terms of inheritance taxes , yes , life insurance is considered inheritance if the deceased had `` incidences of ownership '' of the policy . In other words , if deceased owned the policy , and adding the policy to other assets brought the value of the estate over the limit that is exempt from estate taxes , estate taxes and inheritance taxes would need to be paid .


Input: When Was Disability Insurance Added To Social Security?

Output: Benefits for disabled persons were added to Social Security in 1956 under President Eisenhower . By 1967 , Social Security Disability Insurance -LRB- SSDI -RRB- benefits were extended to dependents of disabled persons , and to widowers of disabled persons , when the disabled person was qualified for collecting Social Security Disability Insurance benefits .


Input: When Can I Buy A Medigap Policy?

Output: You should buy your Medigap plan when you 're new to Medicare - this is THE BEST time to buy a Medicare supplement plan because you have a 6-month window -LRB- your initial open enrollment period - starts from your Medicare Part B effective date -RRB- to apply for any Medigap plan with NO medical underwriting . This means that a carrier can not decline you for coverage for any pre-existing conditions or other medical-related illness . Beyond this window , you 'll be subject to answering health questions to qualify for a new plan -LRB- every carriers ' questions are different -RRB- if you do n't have a guaranteed-issue right available to you . Anyone over the age of 65 and has Medicare Part A & Part B can buy a Medigap plan . If you 're under 65 , you can still purchase a Medigap plan if you 're on Medicare for disability or ESRD , but the cost will be very high . Medigap plans are designed to be purchased by individuals age 65 and up . I hope the information is helpful - please feel free to contact me for assistance with your Medigap coverage , quotes , and comparisons of plans and if you have any other questions . Thanks very much .


Input: How Long To Get Renters Insurance Check?

Output: The length of time to settle any claim is the time it takes for the insurance company and the policyholder to agree on the terms of the settlement . The insurance company is eager to settle although occasionally there are difficulties in obtaining information necessary for the insurance company to base its offer .


Input: What Is Twisting In Life Insurance?

Output: Twisting in life insurance is when an agent tries to get you to replace your existing life insurance with another policy , by telling you that the new policy has features that it does not actually have . It is twisting the truth , so that they can get an additional commission , and is against the law in most states . The questions about replacement on your application help prevent twisting from happening .


Input: Is Globe Life Insurance Any Good?

Output: Globe Life and Accident Insurance Company was rated A + by AM Best in 2012 . This company , like every life insurance company , has their niche . Globe Life 's niche is doing policies online and through the mail . While handy , they do not allow people to get as much life insurance as they might want , and going through medical underwriting can save many people money vs buying No Exam coverage online . Whether Globe Life Insurance is good for you depends on what you want and what you are willing to pay .


Input: What Questions Are On A Life Insurance Application?

Output: The number of questions on a life insurance application varies with the type of application it is . If guaranteed issue life insurance , the only questions that will be asked are personal and contact information . That is because they do not base rates on health ; everyone who applies gets the same rate . This makes the premium high for those who have good health , and the policy will be graded . But the policy is easy to get . With simplified issue life insurance , there will be more questions , and the application may be accompanied by a phone interview . The questions will include some health questions , tobacco usage , and most will ask about height and weight . The rates for this type of policy as usually not as high as guaranteed issue and not as low as medically underwritten life insurance . The applications for medically underwritten life insurance will usually have the most questions . They will ask about dangerous hobbies , family history , bankruptcies , past crimes , substance abuse , foreign travel , and more detailed health questions . In addition , they may order medical records from your doctor . While the most thorough , medically underwritten life insurance can deliver the best rates for those of very good health , and also can provide more coverage than the other types of life insurance offer .


Input: What Questions Are On A Life Insurance Application?

Output: The number of questions is going to depend on the cost . Life insurance rates tend to go lower with more questions . Usually an application will ask for information about where you live , where you 're from and what your work is and income level . There will be health questions , activities that you participate in and possibly why you are applying for insurance .


Input: What Questions Are On A Life Insurance Application?

Output: Life insurance applications will vary in length and content , depending on the carrier . Of course , there will be many medical questions ranging to short-term issues and perhaps going back to any condition or treatment since birth -LRB- if considered relevant to the underwriting of the policy -RRB- . There will also be non-medical questions that may pertain to your financial situation , your relationship to the proposed beneficiary or hazardous sports and hobbies that you participate in .


Input: What Questions Are On A Life Insurance Application?

Output: Some life insurance applications have as few as three medical questions ; others have pages of medical questions . The administrative portion of the application is going to be fairly consistent but there are legal requirements that must be met . Insured must be identified , beneficiary must be identified , and premium/plan and dates must be included .


Input: How Expensive Is Homeowners Insurance?

Output: A homeowners policy is designed to apply to a unique residence . Since the prices for residences vary , you would expect that the price for an insurance policy would also vary . Each home is unique in value , location , construction and use . To find out how much it will cost for your home contact an insurance agent . The agent will listen to you , provide sound financial advice , and communicate clearly with you and the insurance company . Getting the policy established correctly will pay huge dividends should you have a claim .


Input: Who Can Get Health Insurance?

Output: Anyone who is a U.S. citizen or a legal resident can get health insurance . If you are an incarcerated -LRB- in jail -RRB- U.S. citizen or legal resident you are not eligible to purchase private health insurance because you are already enjoying health care services being provided at the expense of your state 's taxpayers or all taxpayers if you are in Federal prison .


Input: How Much Is The Medicare Prescription Donut Hole?

Output: Medicare Prescription Drug Plans -LRB- also known as PDP or Part D -RRB- offer various levels of coverage before and after your deductible is met . While coverage varies from policy to policy , with most plans , afteryou and your plan have spent $ 2,850 on covered medications the combined amount plus your deductible -RRB- , you fall in to the coverage gap , or donut hole . This means there 's a temporary limit on what the drug plan will cover for drugs.Not everyone will enter the coverage gap , but for those that do , you will pay 47.5 % of the plan 's cost for brand-named drugs , and 28 % of the cost for generic drugs .


Input: How Does A 401K Retirement Plan Work?

Output: A 401 -LRB- k -RRB- retirement plan is a defined contribution plan under ERISA , the Employee Retirement Income Security Act of 1974 . Employer sponsored 401 -LRB- k -RRB- plans enjoy tax deductible contributions up to $ 17,500 for 2013 with an additional contribution of $ 5,500 under the catch up provision for those age 50 and older . 401 -LRB- k -RRB- plans accumulate tax deferred and as taxable at ordinary income . Some employers also provide some degree of contribution match as well .


Input: Can Health Insurance Companies Share Information?

Output: Health insurance carriers provide information to database companies such as MIB -LRB- Medical Information Bureau -RRB- and companies that compile medicare history such as Milliman and Robinson Intelliscripts . If the carrier contracts with an outside vendor that pays claims , some of your data may be shared with them . Carriers also report some information to the federal government .


Input: Can A Health Insurance Company Drop You Without Notice?

Output: No . A health insurance company must provide a policyholder with proper advance notice of any policy cancellation . You should receive a written notification from your insurance carrier of their intent to cancel coverage , an explanation for the cancellation and the date that the policy will be terminated . Cancelling an individual or group health insurance policy is not something an insurance carrier can do arbitrarily and could get them in big trouble with the state insurance department and possibly the Federal government . Now , if you engaged in fraud in applying for a health insurance policy the insurance carrier is within their rights to cancel your policy and may even cancel it retroactively to the date of issuance . But they would still have to provide you with notice , an explanation and a chance to appeal the decision . An example that we will probably see more of in the era of ObamaCare where health insurance rates can be significantly different from one side of a state line to another is the situation where a person enrolls for coverage stating that they are a resident of a state like Tennessee -LRB- where more health insurance options exist and rates are lower -RRB- when they are really a resident of Arkansas -LRB- where choices are limited and rates are higher -RRB- . It is also possible that an insurance carrier will cancel an insurance policy product line , withdraw from a marketplace or go out of business , all of which are situations where an insurance carrier cancellation would be initiated by the insurance company . However , they are still required to provide policyholders with timely notice even in these events .


Input: What To Do If Life Insurance Is Denied?

Output: Having life insurance denied can be unpleasant to say the least . After all , we 're talking about our health and our mortality . However , what many applicants do n't realize is that carriers have different underwriting criteria , and while one company can deny coverage , another may consider that person a standard risk . The best way to apply for coverage is through an agent that has experience and back office underwriting help so that you can best and least expensive coverage under the circumstances .


Input: What To Do If Life Insurance Is Denied?

Output: That is a great question ! But do n't worry , there are insurance companies out there that will insure you . Without knowing which company you applied with , and why you were denied , I can tell you that even between companies there can be a great difference between who would issue , and who would deny over the same medical issue . Please contact me , and I 'll be happy to guide you to someone who will write you . Whatever you do , do not apply to several companies , you will send out red flags that will work against you . Ok ? Thanks for asking !


Input: What To Do If Life Insurance Is Denied?

Output: Being denied after applying for a life insurance policy can be a disheartening experience . But there are steps that you can take AFTER a life insurance denial , to assure you that there are no other options or get you at least some coverage -LRB- because there is almost always SOME coverage to be had -RRB- . If you had an agency that you trust and that has kept good contact with you throughout the underwriting process , I recommend that you follow up with whatever steps they suggest , first . People often panic after a decline , when just providing some additional medical records , filling out that last form , or getting a letter from your doctor can turn things around . If you do feel that your agency was not up to the challenge your health or other risk factors presented , find a good impaired risk life insurance agent before giving up . Someone who is experienced with those types of issues , and who has access to many different companies , may be able to find you that same policy with another company . It gives us an advantage to know the reason for your denial , as we can start ahead of where you left off . A significant percentage of my clients were declined for life insurance before contacting our office Please do not hesitate to give me a ring if you would like to see what we can do for you .


Input: Does Allstate Offer Life Insurance?

Output: Allstate does offer life insurance through Allstate Life Insurance Company , Lincoln Benefit Life Company , American Heritage Life Insurance Company , and Allstate Life Insurance Company of New York . They offer both Term and Permanent life insurance products . To obtain a quote you can go to an agency or website selling life insurance through one of the Allstate companies . When using a quote engine , you will be able to compare their rates against the rates of other carriers .


Input: Do I Have To Carry Car Insurance On A Car Not Being Driven And Parked On A Private Owned Lot?

Output: That is an excellent question ! If the car is registered , then most of the time there will be a minimum amount of insurance that has to be carried . If you do n't register the car , and do n't plan on driving it return your plates , and drop your coverage . If you plan on driving it periodically , ask your insurance company if they offer a limited use policy , or a one day policy that will allow you to legally drive it . I do n't know where you live , butif there is a chance that the vehicle might get vandalized or damaged , you may want to keep a minimal cost coverage on the car . Thanks for asking !


Input: Do I Have To Carry Car Insurance On A Car Not Being Driven And Parked On A Private Owned Lot?

Output: If the car is not being operated it certainly doesnt need liability insurance , nor does it need collision insurance . You might choose to maintain comprehensive coverage in the event the car is damaged or destroyed . This type of loss can occur . Cars burn up in garages , cars get damaged in floods , cars get struck by lightning , and I suppose at least once a car has been damaged by an angry animal .


Input: Do I Have To Carry Car Insurance On A Car Not Being Driven And Parked On A Private Owned Lot?

Output: That may depend upon the state in which you live and have your car registered . In Connecticut , we are required by law to maintain liability coverage in order to maintain registration . That having been said , it may be possible to temporarily suspend liability coverage without affecting your registration , but you 'll need to talk to your Insurance Professional about that option . Even if you suspend liability , it is not a bad idea to maintain at least Comprehensive Coverage as you will be protected in the event that the car is damaged or stolen .


Input: How Many Employers Offer Disability Insurance?

Output: If your employer offers a company sponsored group benefit plan the odds are that you have short term disability coverage . But check with your human resources department to confirm . The majority of businesses do not offer individual disability insurance to the rank and file employees . Thats generally reserved as a recruiting and retaining key employees .


Input: Who Has The Best Medicare Supplement Plan?

Output: It 's generally who is offering it to you at the lowest cost . The benefits of a given Medicare supplement -LRB- Medigap -RRB- plan are EXACTLY the same from every company . This means that if you 're looking at a plan F from United Healthcare and a plan F from CareFirst , the coverage under the plan is identical . The main ways carriers differentiate themselves is through their premiums , their rating method for the premiums , and any value added services . Carriers can use 1 of 3 rating methods : 1 -RRB- Attained-age rated - this is the most common rating method used . It means your rates increase as you get older each year . 2 -RRB- Community rated - this is used by United Healthcare -LRB- I do n't know of any other carriers that use this method -RRB- . This means your rates do not increase based on your age . Everyone in a given area pays the same rates - e.g. a 85 year old and a 75 year old pay exactly the same thing . 3 -RRB- Issue-age rated - this is used only by a couple of companies . This means your rates are based on your age at the time the policy was first issued . While this seems great , it 's often featured as the most expensive Medigap plans . Value added services are things like dental and vision discounts -LRB- not dental and vision insurance , just discounts for services -RRB- . I hope the information is helpful - please feel free to contact me for assistance with your coverage and if you have any further questions . Thanks very much .


Input: Why Do You Have To Buy Car Insurance?

Output: Liability and property damage coverage is required to protect the other party in the event you are liable for damages or injury . Back in the old days when auto insurance was an option the courts were flooded with people being sued for injury and property damage . Something you really do not want to go through . Now laws have been passed to protect drivers on the road for these situations .


Input: Does Medicare Part B Pay For Eye Exams?

Output: Medicare does n't cover routine eye examinations . Part B can provide coverage for some preventive and diagnostic eye exams for people at high risk of certain conditions -LRB- e.g. diagnosing retinopathy in diabetics or mascular degeneration for age-related conditions -RRB- . You can check out the medicare.gov website for more specific information regarding condition/risk requirements for Medicare to pay benefits . If you 're looking for coverage for routine eye exams , glasses , contacts , etc. , you would need to secure a vision insurance plan . Please feel free to contact me for assistance or if you have any other questions . Thanks very much .


Input: Does Medicare Part B Pay For Eye Exams?

Output: Medicare Part B does not pay for routine eye exams -LRB- eye refractions -RRB- for the purpose of testing eyesight and prescribing eyeglasses . Medicare does pay for eye exams in some situations . 1 -RRB- An annual test for diabetic retinopathy is covered annually for all those who have diabetes . 2 -RRB- Glaucoma tests are covered once every 12 months for those who are at high risk for glaucoma . High risk patients include those who are diabetic , have a family history of glaucoma , are African-American and over age 50 , or are Hispanic and over age 65 . 3 -RRB- Some people with Age-Related Macular Degeneration are covered for various tests .


Input: What Does Voluntary Excess Mean On Car Insurance?

Output: The terms you are using are somewhat taken out of context so I do not know exactly how they are used . With that said , let me explain the two words `` Voluntary '' refers to coverage provided to a customer because the insurer wants to provide coverage in that state for the assigned price . You are free to buy it or not and the company is free to insure you or not . `` Involuntary '' would refer to policies an insurer must write , because of some risk sharing mechanism such as an Assigned Risk Plan . The insurer by virtue of its voluntary writings is then required to take some per cent of the involuntary exposures in a state . This is true of assigned risk plans which operate in about 40 states . `` Excess '' refers to an amount of coverage over some other coverage . You can obtain Excess coverage over your limits of liability coverage and sometimes over your Uninsured Motorist Coverage . Typically a person might buy an Umbrella policy to be `` excess `` of their personal auto coverage . If you are offered Excess coverage over a specific coverage you should ask an insurance professional if an umbrella is available as well .


Input: Is Personal Disability Insurance Tax Deductible?

Output: Personal disability insurance is not tax deductible . However , if you own a business you may be able to expense the disability premiums . Another consideration is that your employer may allow you to add your disability insurance as a benefit pre tax . But keep in mind that if you deduct disability premiums , the benefits are taxable .


Input: What Renters Insurance Covers Dogs?

Output: It may . It depends on the type of damage that you are talking about and how your policy is written . A typical renters insurance policy will provide liability coverage . If you own a dog and that dog bites or scratches another person in many cases your liability coverage on your renters policy will pay for the claim less your deductible . Remember every policy is different . Please read your policy completely to understand the coverage provided and any exclusions that there may be or contact your local agent to have them go over the policy with you .


Input: What Does Medicare Risk Mean?

Output: Medicare risk is a term used to describe an HMO-like style of delivering Medicare benefits in which a patient pays a set dollar amount to a Medicare risk provider who then takes on responsibility for delivering all health care the patient requires . In such a scenario , the Medicare patient may only receive benefits for services received from providers who participate with the contracted providers .


Input: Does My Home Insurance Cover My Roof?

Output: Unless your homeowners policy has a specific exclusion for you roof . It would be be covered in the event of a covered loss less your deductible . It is rare for the roof of a home not to be covered by a homeowners policy but if the roof is a poor condition then the carrier may choose to exclude coverage for it .


Input: Does Dave Ramsey Like Term Life Insurance?

Output: Yes , Dave Ramsey does like Term Life Insurance . He believes you should take out Term Life Insurance while you need the protection , all the while saving and investing on the side . Then when the term is up , his goal for you is to be `` self insured '' -LRB- have enough money that your family would no longer need life insurance if you died -RRB- . He recommends a particular agency that sells life insurance , but many of us on this website sell the same companies and are also good at helping you find the most affordable term life insurance .


Input: Does Dave Ramsey Like Term Life Insurance?

Output: That is a great question ! Yes , Dave Ramsey does like term insurance . In Dave 's world , people actually save money , and keep enough on hand to be able to cover their burial expenses . They also are able to find tax-advantaged ways to transfer wealth to their loved ones . With 55 % of American Elder Citizens living in poverty , 66 % of our children living in poverty , and the majority of Americans living without any savings at all , I 'm not sure how well his world translates into the real one . Dave has a great program , and some solid financial advice , but if you can not save money , term will be the best choice for you only if you are too poor to afford any real coverage . I hope that helps , thanks for asking !


Input: Does Dave Ramsey Like Term Life Insurance?

Output: Dave Ramsey recommends term insurance . He endorses a specific agency . He emphasizes adequate coverage which I consider essential in any type of financial planning . Not everyone will adapt their finances to Dave Ramseys model . For those who do not it would be wise to consult with a qualified agent and determine the best way to provide the protection that you need . It could be that the answer will be term insurance but for many it is other forms of life insurance . Each of us is unique and one program does not meet the needs of everyone . There is a subculture that lives near my agency that rarely purchases term life insurance .


Input: Does Dave Ramsey Like Term Life Insurance?

Output: Dave Ramsey is a big fan of buy term life insurance and invest the rest . He cut his teeth with Priamerica here in Tennessee and the philosophy has stayed with him since he started his Financial Peace University located here in Brentwood , TN . From his radio show he usually recommends a 20 year level term which for most people is a good choice . I recommend using an independent broker to purchase the right coverage at the right price for your unique situation . Peggy is correct most of us do exactly the same as the broker Dave recommends with the same life insurance carriers .


Input: Can I Get Life Insurance On A Relative?

Output: You can usually get life insurance on a relative , but even with relatives , some insurable interest must exist . E.g. Nephew Mark can not take out a policy on Great-Aunt Mary unless Mary has been living with Mark , if Mark has been contributing to her , if Mary loaned Mark some money , or some other reason that monetary award is justified . If a close relative and a smaller amount of coverage , just the family tie can make the life insurance allowable .


Input: Does AAA Homeowners Insurance Cover Water Damage?

Output: Insurance covers specified perils . Water damage is the result of an event . Everything depends upon what caused the water damage . If the damage is caused by the sudden rupture of water pipes inside the home , the damage is covered by most homeowners policies . If the damage is caused by the overflow of a toilet , the loss would be excluded by most homeowners policies . Incidentally , many insurance companies will provide coverage for the overflowing of a toilet if an extension to coverage is purchased at an increased premium . If the loss is caused by water enter the house from outside it is most likely not going to be covered . Flood insurance , an additional insurance policy is required to cover this type of loss . While it is true that flood damage is not always clear cut , it is important to note that almost one quarter of all property claims involve flood damage in the United States . The purchase of a flood policy is a wise move regardless of where you are located . I have seen desert towns inundated as well as mountain communities . In some places flooding is common .


Input: Does AAA Homeowners Insurance Cover Water Damage?

Output: Homeowner 's insurance varies a lot so the only way to find out is to file a claim . It will probably depend on how the water damage happened . Keep in mind that flood is excluded from homeowner 's policies and you need a separate flood insurance policy through the government 's National Flood Insurance Program . If it 's not a flood and it was caused by something accidental and sudden , then you probably are covered .


Input: How Do Insurance Companies Value A Car That Is Totaled?

Output: Depending on your carrier there are several ways . To get a rough Idea of the value of your totaled car there are several things you can do before settling for what the carrier is offering . you can check the value of your auto before it was wrecked at nada.com or Kelly blue book . Also you can contact your local car dealership and ask them what your car would of sold for and the value of it prior to the accident .


Input: How Fast Does Life Insurance Pay Out?

Output: For policies inforce for more than two years , routine death claims can take as little as a week from the time they receive a copy of the death certificate . Some insurance companies take longer . Policies less than two years old are within the contestability period and are investigated more thoroughly which takes longer .


Input: What Is Proof Of Renters Insurance?

Output: A declaration page would show coverage had been purchased , when it had been purchased and when it would expire . However I would not accept a declaration page as proof of Renters Insurance or any insurance for that matter . I would not accept it because there is no guarantee that the Insured or Renter will make the next payment for the policy . If he does n't , the policy would cancel and you wo n't know . If I want proof that coverage is in force , I would request a Certificate of Insurance and I would also request I be named as Certificate Holder . If I 'm named Certificate Holder , the insurance company may -LRB- depends on State Regulations -RRB- be obligated to tell you when coverage is threatened to be canceled . I hope I 've answered your question . If not , feel free to call , fax or email me . Kevin P. Foley , CPA , CPCU PFT&K Insurance Brokers T 877-414-2031 F 877-405-3025 E kpfoley -LSB- at -RSB- kpfoley -LSB- dot -RSB- com W www -LSB- dot -RSB- kpfoley -LSB- dot -RSB- com


Input: How Are Medicare Part B Premiums Determined?

Output: Very good question , and one that can not be answered . Each year Congress decides how much to charge for Medicare Part B premiums . The premiums are not based on the CPI -LRB- consumer price index -RRB- or any other measure of inflation . Premiums are not indexed to wages . Premiums are not tied to changes in your Social Security benefit . Premiums are what Congress decides to charge based on the political winds .


Input: How Are Medicare Part B Premiums Determined?

Output: Medicare premium rates come out each fall and take effect in January . Medicare beneficiaries as a group are required to pay one-fourth the cost of running Medicare , and annual premiums are set at a figure calculated to achieve that level of revenue . In other words , Medicare beneficiaries receive a 75 % subsidy for Part B , with every $ 1 in Part B premiums for enrollees matched by $ 3 in general revenues . Although the annual premium rates are n't officially set until they are announced each fall , Medicare administrators track trends and anticipated changes and use them to formulate projections of Medicare premiums for the next several years . According to the most recent report -LRB- WEBSITELINK of the system 's trustees , issued in May 2011 , those projected premiums -LRB- as listed on page 218 -RRB- are : 2014 : $ 115.80 2015 : $ 120.80 2016 : $ 126.00 2017 : $ 132.70 2018 : $ 140.30 2019 : $ 148.40 2020 : $ 158.60 There was a scary email going around last year about Obamacare causing Medicare premiums to skyrocket . I did some research and found the information in that email to be completely untrue . This is how I learned about how Medicare premiums were determined . You can read more about the email and what I uncovered on my blog at : WEBSITELINK


Input: How Do I Know What My Medicare Covers?

Output: There is a guidebook called `` Medicare & You '' that provides a lot of information regarding Medicare coverage - the guidebook is updated each year with any new changes to coverage - you can get a copy of this from the medicare.gov website as well as look up additional information . Original Medicare is made up of Part A and Part B. Medicare Part A is your hospital insurance . Medicare Part B is your physician insurance .


Input: How Much Is Disability Income Insurance?

Output: Disability Income Insurance evaluates health factors , so the cost of the policy will depend on how the applicant is rated health wise . If a nonsmoker who is of normal weight and has no health history , Preferred ratings can be given . The price also depends on the risk of the occupation , how much income the applicant makes -LRB- and how much of that income they want to replace in case of disability -RRB- , and what bells and whistles they want on their policy . For a 40 year old male office worker who makes $ 60,000 per year , the price can be as good as $ 50 per month for a plan that will last to age 65 .


Input: Does High Cholesterol Affect Life Insurance Rates?

Output: The presence of high cholesterol in the blood has been linked to reduced longevity . To the extent that is true your new life insurance policy might be rated . This is to reflect the increased risk that you present to the insurance company . If you have high cholesterol it will probably be detected whether a paramedical exam is conducted or not . You will find that honest full disclosure will usually give you the best possible rate .


Input: Does High Cholesterol Affect Life Insurance Rates?

Output: As with any other health issue there is a possibility that you will experience a higher rate than someone without that health condition . How much a condition affects your rate is dependent upon the company providing the policy . Life insurance is best purchased at young an age as possible as with each birthday the rate will typically rise . Contact your local agent to have them help direct you to the policy that would would best fit your budget and needs .


Input: Does High Cholesterol Affect Life Insurance Rates?

Output: Yes , high cholesterol can definitely affect life insurance rates . Most companies have a range of cholesterol values that they will consider for their preferred rate , their standard rate , and so on . They look at your total cholesterol and/or the ratio of your total cholesterol to your HDL -LRB- `` good '' -RRB- cholesterol . If you are on cholesterol medication , you can get preferred rates with most companies . So getting your cholesterol down to a healthy level is not only a good idea for your health , but it will ensure your best life insurance rates , as well .


Input: Does High Cholesterol Affect Life Insurance Rates?

Output: That is a great question ! Many people think that if they have some kind of health issue that it will create a problem when trying to get life insurance . The truth is , for the majority of things like diabetes , high blood pressure and high cholesterol , if it is controlled and there have been no complications , the companies will generally put little weight behind them . Now , if they are issues , and you are n't taking your meds for them , that 's an entirely different story . But even then , there are policies that you can get . The bottom line is that you can get insurance with high cholesterol , but much better insurance if you have it , and it 's controlled . I hope that helps , thanks for asking !


Input: Does High Cholesterol Affect Life Insurance Rates?

Output: Yes , high cholesterol DOES affect life insurance rates . It is important to disclose any and all health issues when applying for life insurance . Sometimes , you can get a slightly better rate if you disclose all issues on the application , rather than trying to hide something . In most cases , these health issues will turn up on physician reports and/or med exams and if you 're not honest up front , insurance companies will place you in a lower high-risk bracket that you did not apply for . It is important to remember that not all health issues are `` knock outs '' , especially if they happened some time ago .


Input: Does High Cholesterol Affect Life Insurance Rates?

Output: High cholesterol can affect life insurance rates , or even cause the policy to be postponed until the applicant finds a way to get his/her cholesterol under control for at least 6 months . There is a limit on how high your total cholesterol can be , but there is also a limit on high the ratio of your total cholesterol can be to your HDL -LRB- `` good '' cholesterol -RRB- . If your HDL number is high , some companies will allow your LDL -LRB- `` bad '' cholesterol -RRB- number to be a little higher , because the HDL offsets it in your cholesterol ratio .


Input: Does High Cholesterol Affect Life Insurance Rates?

Output: With fully underwritten life insurance plans that require a paramed exam to collect blood and urine for underwriting , yes high cholesterol will cause you to get a higher premium . How high depends on a few factors such as your cholesterol number as well as triglycerides number . The underwriter will want to know how long it has been elevated , any medications taken and your diet and exercise routines to determine how much of a rate up or table up to charge your premiums .


Input: Does High Cholesterol Affect Life Insurance Rates?

Output: Does High Cholesterol effect life insurance rates ? Yes , absolutely , High Cholesterol my even prevent you from purchasing life insurance at all . Depending on your score and ratios , high cholesterol will lower the class -LRB- rate -RRB- that you could receive . Exceptions are made for those who can show a good track record of medicated care that has reduced and controlled cholesterol levels . So treated cholesterol that shows control will not hurt the applicant as much as untreated or high numbers . This situation like high blood pressure , is treated more favorable by underwriters as it shows a history of care about the condition .


Input: What Is Critical Illness Insurance?

Output: Critical illness insurance comes in a variety of definitions . If it is a ` rider ' on your life insurance it probably covers anything that causes the insured to be unable to perform two or more of the 5 daily living tasks by themselves , such as dressing , bathing , toileting , eating , and walking . It may be defined as a critical condition from which recovery is not expected . There are `` catastrophic disease '' policies that are stand alone policies and usually cover cancer , heart attack , stroke and any terminal condition .


Input: What Is Critical Illness Insurance?

Output: Critical illness policy is like a cancer policy except it covers much more than just cancer . Most critical illness plans pay a lump sum cash benefit on first diagnosis of a named condition . Your critical illness policy may cover cancer , heart attack , stroke and up to a dozen or more conditions .


Input: How To Tell If Someone Has Homeowners Insurance?

Output: Great question ! Unfortunately , it will be very difficult to find out . Privacy laws will prevent insurers from sharing who has or does n't have a policy with them , and frankly , there are really very few reasons why you would have a right to know . If it is for a parent , or a loved one who suddenly passed and left their affairs unsettled , then their lawyer or financial adviser may be able to help you , but unless you are entitled to know , I would n't count on them telling you either . I 'm sorry that this is n't a very positive answer , but if you would like to discuss it further , please contact me . Thanks for asking !


Input: Can Hsa Funds Be Used For Long Term Care Insurance?

Output: Your HSA account can fund both long term care insurance premiums and the cost of long term care billing events . There are withdrawal limitations based on your age group . Keep in mind that your contributions to your HSA account tax deductible . If you use these funds for non-qualifying items you may be subject to an ordinary income tax event .


Input: Can Hsa Funds Be Used For Long Term Care Insurance?

Output: Yes , HSA funds may be used for Long Term Care Insurance premiums if your LTC policy is tax-qualified . The amount that is considered a qualified medical expense depends on your age . In 2013 , you can withdraw up to $ 360 from your Health Savings Account tax-free if you are 40 years old or younger ; $ 680 if you are age 41-50 ; $ 1,260 if you are age 51 to 60 ; $ 3,640 if you are age 61 to 70 ; and $ 4,550 if you are age 71 or older .


Input: How Much Will Long Term Care Insurance Cost?

Output: It depends on gender , age , smoking status , health condition and whether you use two lives on one policy . A 60 year old male and female , both nonsmokers and in good health can secure an excellent long term care policy for both for $ 300 a month for a base policy . There are several excellent Long Term Care Insurance Companies in the extended care market . And singling out the best can be a difficult choice given the variables of gender , age smoking status and health condition as well as the premium price tag for the benefits purchased . But that being said the overall winner would be Genworth .


Input: Will Renters Insurance Cover Iphone?

Output: Most renters policies will cover a lost or stolen Iphone . However , after factoring in the deductible for your renters insurance and how an additional claim may affect your insurance rates , it may not be worthwhile to make that claim . Speak with your agent or broker to find out how this claim will affect you .


Input: Does Homeowners Insurance Cover Groundwater?

Output: Generally speaking , no . However , it is always important to check with your Insurance Professional about the particular points in your Homeowners policy . Some company 's policies may include coverage for damage caused by the failure of a sewer or drainage system . This can include anything from a sump pump to a curtain drain to gutters and downspouts . There would still need to be a determination by a claims professional as to the source of the water .


Input: Does Homeowners Insurance Cover Groundwater?

Output: The answer is no in the sense I believe your asking about . If ground water comes into your house including your basement that is a flood scenario and not covered by a conventional homeowners policy . There may be a way to protect your self if you are in an area designated as a flood zone . In that case your agent may be able to help with a WYO flood policy . Participant companies write the flood insurance and present to the consumer , but in fact the coverage is resinsured at 100 % by The National Flood Insurance Program of the US Federal Government . The reason private insurers do not provide coverage is that , it is a classic case of adverse selection . The only ones who would buy coverage are folks that live in an area that floods .


Input: What Kind Of Insurance Do I Need When Financing A Car?

Output: The type and amount of coverage that you need when financing a new vehicle will be at the discretion of the finance company/bank/lender providing you with the loan . At minimum the lender will more than likely require you to carry full coverage on the vehicle which will include collision and other than collision coverage .


Input: What Is Employer Sponsored Disability Insurance?

Output: Employer sponsored Disability Insurance is Disability Insurance that is provided to employees by the employer or business they work for , and governed by ERISA -LRB- the Employee Retirement Income Security Act -RRB- . Employer sponsored disability insurance can be short term , long term , or a combination of short and long term disability coverage .


Input: Does Home Insurance Cover Car Vandalism?

Output: No . Home insurance covers your home , personal property and liability . Vandalism to your personal automobile is covered by your comprehensive/other than collision coverage . Many different perils are covered by comprehensive coverage , one of them being vandalism . In summary , if you want to have full protection against vandalism , then you will need to have comprehensive coverage on your car .


Input: Does Home Insurance Cover Car Vandalism?

Output: Vandalism to a vehicle is typically covered under the comprehensive portion of your car insurance . Fire , theft and vandalism are three of the biggest components of the comprehensive section of your policy . Usually , the deductible is considerably lower than your collision deductible . Vandalism is covered under your homeowner 's insurance policy , although it would apply to contents of your home , the dwelling and other structures . Vandalism to personal property inside a vehicle would be a different type of claim than the vehicle itself .


Input: Who Can I Sell My Life Insurance Policy To?

Output: If you wish to sell your life insurance policy , you would want to contact a few Life Settlement companies to shop for your best settlement . You can find them in the Yellow Pages of a phone book or using search engines on the internet . Life settlement companies evaluate your life insurance policy and your health to determine if there is enough value in the policy , and if you will pass away soon enough , for their buyers to be interested in purchasing your policy . Keep in mind that there may be other options for your policy that you might discover by visiting with your agent or by calling the company through which your policy was purchased . If you do decide to sell your life insurance policy , choose a life settlement company with a very good reputation .


Input: Why Is Whole Life Insurance A Good Idea?

Output: One reason Whole Life Insurance is a good idea because you do n't have to worry about it ending before you die . You can purchase it , forget about it , and it will still be there 50 years from now . You do n't have to renew it or check the stock market or interest rates . In a world of financial instability , Whole Life is a stable item in your portfolio .


Input: Is Now A Good Time To Buy Annuities?

Output: Tax deferred annuities can be product solution for long term savers , investors or those in high tax brackets . Guaranteed fixed interest rate annuities that are 7 or 10 years may be too long a position with the recent uptick in Treasuries , so most fixed interest rate annuities with five year or less may be a consideration . If you believe the market has topped out and a correction is at hand then indexed and variable annuities could be risky products . But if your market expectations are positive both of those types of annuities could be a consideration .


Input: How To Plan For Retirement In Your 20's?

Output: Planning for retirement is basically paying yourself first . Developing a discipline deposit approach is the first place to start even if it 's a small amount . You need to establish your personal financial profile which needs to include a risk assessment , timelines that address your retirement date and mortality . Whether you use a qualified or non-qualified plans may be a determined on the basis of your effective tax bracket rate .


Input: What Is Standard Renters Insurance?

Output: I am not quite sure what your asking , so I will answer this question , which is what I think you asked : `` What are the standard coverages included in a renters policy ? '' The standard coverage in a renters policy includes personal property , liability and medical payments . Personal property can be general property and scheduled property -LRB- i.e. jewelry , cameras , hearing aids -RRB- on premise ; and , sometimes , there can be a sub-limit for personal property off-premise . Liability covers your negligent acts against a third party . Medical payments provides a small sum of money to people who hurt themselves at your rented premise . I hope this answers what you were asking .


Input: Can You Sue A Health Insurance Company?

Output: Can you sue a health insurance company ? Absolutely , you can file suit against any person or entity . It 's just a question of money and time , as it can take both . Realizing this situation , most states have a remedy that you should try first . The Office of the Insurance Commissioner . You can file a complaint with the OIC and they will take it up if it 's worthy and go to bat for you . Always approach a problem with the least expensive solutions first .


Input: Can You Sue A Health Insurance Company?

Output: Yes , you can sue a health insurance company . But you should have a very good reason to sue , retain an excellent attorney and have VERY deep pockets because it 's going to cost you time and an incredible amount of money . If you believe you have a great cause , consult an attorney . You never know what may happen .


Input: When Does An Auto Insurance Premium Go Up?

Output: Your auto insurance premium willtypically not change until your next renewal period . Depending on your payment term this typically could be monthly , quarterly , semi-annually , or annually . Your premium is affected by many factors . The primary factors are your activities or claims . Tickets and accidents are two of the things that may cause your rate to increase . Your rates can also be affected by many other things as insurance rates are typically determined by the amount of risk that the insurance company is bearing in that market . To find out more contact your local agent and discuss your questions about rates with them as each state , company , and policy can vary greatly .


Input: How Do I Get My Own Health Insurance?

Output: You can get your own health insurance very easily . I 'll provide a short accurate answer . Under new legislation , there are Open Enrollment periods , subsidies , Special Enrollment Periods -LRB- SEP -RRB- , Exchange plans , off-Exchange plans and much more . It can be very confusing to find and pick the best plan at the lowest price . So ... what do you do ? Work with a broker ! No fees or costs . . just a lot of time and money saved ! LIVE answer provided by : Ed Harris - Premier health insurance broker for 33 years and owner of several top-rated healthcare websites that provide the lowest available rates .


Input: How Do I Get My Own Health Insurance?

Output: You 're generally getting your health insurance coverage from one of two places , the individual market or your spouse 's group coverage . If you qualify for a subsidy , you would want to look at health insurance ON the exchanges - subsidies can only be used for on-exchange policies . The first open enrollment period under the Affordable Care Act ended on March 31 , 2014 . If you 're looking for an individual policy , you will need a special enrollment period -LRB- a qualifying `` life-changing event '' -RRB- to purchase a plan outside the open enrollment period , otherwise you may be subject to paying a penalty . The penalty in 2014 is the greater of : 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 . The penalty figures will change in future years . Consulting with an experienced broker is always a great first step to learn more about plans available in your area and discuss and compare quotes . Please feel free to contact me for further assistance . Thanks very much .


Input: How Do I Get My Own Health Insurance?

Output: You can get your own health insurance online from many resources . The most reputable option is through an experienced healthcare broker who maintains a reputable website . He/she can shop the best companies , calculate your subsidy , and determine the best Open Enrollment or off-Exchange policy for you . You ca n't get any lower rates !


Input: Which Party Must Sign An Application For Life Insurance?

Output: The insured person and the owner of the policy -LRB- if they are two separate people -RRB- must sign an application for life insurance , in most situations . If a separate person is paying for the policy , that person may have to sign authorization for bank account . The beneficiaries do not have to sign .


Input: Which Party Must Sign An Application For Life Insurance?

Output: California is one of five community property states . In addition to the insured signing the application , the signature of both the husband and wife are required if they own a policy where the beneficiary is someone other than the two of them . For example , if I buy a life policy on my life and name my sister as beneficiary , my wife also has to sign the application .


Input: What Does It Take To Be A Life Insurance Agent?

Output: In order to sell life insurance you have to take the preparatory exam class required by the Insurance Commissioner in your State and then you have to sit for the State required exam . Typically you have to pay like $ 150 for the test material and then the exam testing center has another charge that will cost from $ 50 to $ 100 . You have to pass the exam with a 70 % or better testing result . When you pass the exam then you must complete the application to become an agent with the company of your choice


Input: How Much Does Medigap Cost Per Month?

Output: The price for Medigap plans depends on which plan you choose and the area in which you live . They can range from $ 25/mo to over $ 400/mo . Here is a website you can go to where you can input your zip code and find the cost of Medigap policy options in your area . WEBSITELINK


Input: How Much Does Medigap Cost Per Month?

Output: Prices -LRB- premiums -RRB- are determined by a number of factors . The senior 's age , zip code , gender , plan , tobacco usage and even the carrier will impact the rate . At age 65 many of the plans in your area may be similarly priced , especially for the popular plan F. Even still , it is not unusual to find the highest premium plan to be 2x the lowest premium , so be a wise consumer . Some carriers are less competitive at ages 75 and up while others become more competitive . A carrier with a `` strong '' rate at 65 may be in the middle of the pack at ages 75 or 80 . #MedigapPlanFRates #MedicareSupplementPlanFRates #GeorgiaMedigapPlanFRates #GeorgiaMedicareSupplementPlanFRates #GeorgiaMedicarePlans #GaMedigapQuotes


Input: How Long Does It Take To Get A Health Insurance Card?

Output: The answer to your question will vary depending upon the health insurance company you are enrolling with , whether your coverage is through an employer or is individual health insurance , and increasingly with the time of year you are enrolling . If you are enrolling through your employer 's plan then it is reasonable to expect that it will take 5 to 10 business days for you to receive your new member packet with your physical ID card . Many group health insurance carriers have the functionality through their web sites for your HR person or for you to be able to print out a temporary ID card within 24 to 48 hours of their receiving and processing your enrollment form . For persons taking out individual health insurance it is usually around 10 business days after receiving your application that your new member kit with your ID card will be mailed to you . Some individual carriers also provide for the production of temporary ID cards from their web site after your enrollment form has been processed . When an individual is enrolling in individual health insurance during the annual open enrollment period you should understand that our nation has now gone to a system that forces people to enroll in a prescribed time period each year . Millions of people are being processed during this period and it strains the capacity of even the largest health insurance companies to process this volume of enrollments that are coming from both the government based health insurance marketplaces and from direct enrollments . While the process should get better with time , the first year 's open enrollment left much to be desired from an efficiency standpoint and the consumer should be prepared for longer waiting times to get their ID cards following open enrollment . In 2014 waiting times of well over a month were not uncommon and in some instances the waiting periods some people experienced were even longer .


Input: Can An Apartment Complex Require You To Have Renters Insurance?

Output: In our `` perfect outcome '' world the owner of the rental property has every right to avoid assuming responsibility for the negligence of its tenants . Too often plaintiff 's lawyers seek deeper pockets for injuries real and alleged and when the tenant is found to be uncollectible the owner often gets stuck with the bill when a judgment needs to be paid . The property owner -LRB- landlord -RRB- is acting in a reasonable and prudent manner when they insist upon a tenant taking responsibility for their own liability and insurance needs by requiring evidence of insurance . If they did n't , it is n't unreasonable to presume that plaintiff counsel would argue that it is negligent on the party of the property owner not to expect or insist that a tenant have their own property and liability insurance as a condition of tenancy . The larger and more sophisticated the property owner the more likely they will have adopted risk management principles that require their tenants to have property and liability insurance as a condition of tenancy . It will become common practice in the years to come for almost every landlord to insist on evidence of insurance as a condition of tenancy . Financial prudence dictates the adoption of such a policy and I am aware of no law that prohibits a landlord from requiring proof of insurance coverage . And I go back to the original statement and assert that no landlord is wise to assume the responsibility for insuring the risk of the tenant and this is a risk that is clearly the responsibility of the tenant regardless of where they call home .


Input: Can An Apartment Complex Require You To Have Renters Insurance?

Output: Yes , an apartment complex could write into it 's rental or lease agreement that every tenant be required to secure renters insurance to be eligable to rent a premise from them . Having renters insurance provides personal property protection , personal liability protection for the insured , and some loss of use coverage up to the policy levels and possibly less the policy deductible .


Input: Who Owns Southwestern Life?

Output: There was a merger back in 2007 into Valley Forge Life . Their information is Valley Forge Life Insurance Company 100 CNA Drive Nashville , TN 37214 -LRB-800-RRB- 437-8854 I would give them a try . Hope this helps


Input: Who Owns Southwestern Life?

Output: Jackson National acquired Reassure America Life Life Insurance Company in 2012 . In 2007 , Valley Forge and Reassure America merged under the Reassure America Name . Southwestern Life Insurance Company merged into Valley Forge on 12/28/2006 . If you follow this lineage backwards , you can see that calling Jackson National at 1 -LRB-877-RRB- 565-2968 should at least give you a starting point .


Input: When Did Medicare Advantage Plans Start?

Output: The concept of Medicare Advantage Plans originated in 1997 with the passage of the Balanced Budget Act . At that time , Medicare recipients were offered the choice to get Part C -LRB- the common name for Medicare + Choice -RRB- from a private insurer . In 2003 the Medicare Prescription Drug , Improvement and Modernization Act made some changes for the insurers that offer these plans . At that time , Medicare + Choice Plans changed to be called Medicare Advantage Plans .


Input: Does Colonial Penn Life Insurance Work?

Output: Colonial Penn Life Insurance will pay a death benefit after a waiting period of a couple years , for death due to natural causes . During the first two years , it will pay a death benefit plus a small percent more . It pays 100 % of the death benefit from day one for accidental death that was not caused in any way by the insured person 's health condition -LRB- s -RRB- . If your health is not very poor , you may be able to get a No Exam policy that will pay 100 % from day one for death by any reason . You may also be able to get a larger face amount than you can get through Colonial Penn , and/or at a lower cost . Nonmed policies offered by other companies are also easy to get . So do n't settle for Colonial Penn until you have contacted a broker who can tell you what else you can get , so you can make an informed decision .


Input: Who Is Best For Life Insurance?

Output: That depends on several factors : planning goals , health condition and the financial where with all to maximize the economic goal with product There is no life insurance company that can dominate all three major categories of planning : indemnification , income and inheritance . There is no life insurance company that has across the board dominance by disease . Every companys product line has unique economic features that are so germane to them that product spread sheeting is required to rank by premium , sometime accumulated cash values and policy provisions . However , if all the data is gathered it is possible to recommend the top three lifeinsurancecompanies specifically for your scenario .


Input: Who Is Best For Life Insurance?

Output: The best life insurance company and policy for you will depend on your age , gender , build , smoking status , health , and other risk factors . It also depends on your financial information and the purpose for the life insurance . Once you are able to narrow down which companies have your best rates , you can also look at the company ratings to determine which policy is best for you .


Input: How Can I Get Auto Insurance Without Owning A Car?

Output: Yes , you could purchase a non-owned auto policy . This type of policy is sold by many auto insurnace carriers . It typically provides liability coverage only for the insured and is normally more costly than if you purchased coverage and owned a vehicle . Contact a local agent to discuss your coverage needs and pricing for that coverage .


Input: Does Short Term Disability Insurance Cover Pregnancy?

Output: Yes , short term disability insurance does cover pregnancy . You must apply for the policy before becoming pregnant , or the pregnancy will be considered a pre-existing condition . It is not easy to find short term disability policies , but there are a couple of companies that sell them . Most are provided through work .


Input: Does Homeowners Insurance Cover Basement Walls?

Output: The short answer is it depends . A typical Howeowners policy will not cover basement walls/foundation for normal wear and tear . However , if a named peril occurs for which you have coverage , then you can make a claim against your insurance company . For example , if you have an earthquake endorsement on your policy and one occurs , that will trigger coverage for your basement walls . Acorollaryto this is seeking a basement wall/foundation endorsement on your policy . This will provide more elaborate coverage for your basement walls/foundation regardless of a named peril .


Input: What Will I Pay For Medicare?

Output: Medicare Part A is typically $ 0 as long as you met your 40 quarters -LRB- or 10 years -RRB- of working life and paying FICA taxes -LRB- Medicare taxes -RRB- . If you have not met that requirement , the monthly premium is up to $ 426 per month . For 2014 , the premium for Medicare Part B is $ 104.90 . This can change each year and is based on your modified adjusted gross income on your tax return from 2 years prior . You may also face a high-income premium penalty on your Part B coverage . The $ 104.90 premium is for those with incomes of $ 85,000 or less , if filing an individual tax return , and $ 170,000 , if filing a joint tax return . If your income was between $ 85,000 and $ 107,000 -LRB- for individual tax returns -RRB- , $ 170,000 and $ 214,000 for those married filing joint tax returns , your premium would be $ 146.90 . If your income was between $ 107,000 and $ 160,000 -LRB- for individual tax returns -RRB- , $ 214,000 and $ 320,000 for those married filing joint tax returns , your premium would be $ 209.80 . If your income was between $ 160,000 and $ 214,000 -LRB- for individual tax returns -RRB- , $ 320,000 and $ 428,000 for those married filing joint tax returns , your premium would be $ 272.70 . If your income was above $ 214,000 -LRB- for individual tax returns -RRB- , $ 428,000 for those married filing joint tax returns , your premium would be $ 335.70 . You can encounter other expenses as well such as the Part A and Part B deductibles and late enrollment penalties for not enrolling in Part B when you were first eligible for Medicare . Original Medicare -LRB- Parts A & B -RRB- only cover about 80 % of healthcare expenses . You 're generally responsible for the other 20 % . A Medicare supplement plan can greatly help establish a predictable expense structure - essential for individuals on a fixed income in retirement . It will limit the amount of cost you 're susceptible to in the event of an illness or injury .


Input: How Can I Get Auto Insurance Online In Kentucky?

Output: Several companies provide online auto insurance quotes . These include Safe Auto , Geico , and Progressive . Companies such as Allstate and State Farm allow you to get the quote online , but may require you to speak to an insurance agent before the coverage is in force . It is good to speak to an agent to ensure you have coverage that meets your needs as both cost and coverage can vary greatly among policies .


Input: How To Apply For Homeowners Insurance?

Output: It is best to obtain a Free #HomeInsurance quote online and then apply to purchase your Homeowners Insurance directly online . Stillwater Insurance Group provides an online format to obtain a quote and buy home insurance online in multiple States ; may be used by Escrow/Closing Professionals , Mortgage Professionals , Real Estate Agents and directly by Consumers . An exemplary online experience for all ! WEBSITELINK


Input: Does Life Insurance Have A Deductible?

Output: The death benefit of a life insurance policy does not have a deductible . The proceeds will be somewhat different from the face amount . The policy could have an outstanding loan and that amount would be deducted . There might be additions that would increase the death benefit . There might be unearned premium and there is almost always a delay and the company is obliged to pay interest on the money until it is issued in check form .


Input: Does Life Insurance Have A Deductible?

Output: Life insurance does not have a deductible , how ever you should look at your deductibles to see where you can save money to increase you savings . If you have home owners insurance Look at the difference of having a low deductible and a high deductible . You will be shocked at how much money you can save . Now this works with someone who has n't used their deductible in years . The question I have for you , Is that money better off in my pocket or the insurance company ?


Input: Does Life Insurance Have A Deductible?

Output: No . Life insurance does not have deductibles . When the insured individual dies , the insurance company pays out the face amount of the coverage to the beneficiary of the policy . Please note , if you have a permanent insurance program and the policyowner borrowed funds from the policy -LRB- creating a loan -RRB- and did not pay it back when the insured dies , the outstanding loan amount and any interest would be deducted from the payout and the difference would go to the beneficiary . I hope the information is helpful - please feel free to contact me for help with your program and if you have any other questions . Thanks very much .


Input: Does Life Insurance Have A Deductible?

Output: The amount that is paid to a patient by their health insurance policy depends on the cost of the care they received while sick . If the patient is willing to pay a large deductible , the insurance policy does not have to pay out as much . This , in turn , lowers their policy premium . The death benefit of a life insurance policy is not dependent on the expenses surrounding the death of the insured . The policy owner selects the face amount , and that is what is paid to their beneficiary . If they want to pay less premium , they simply choose a smaller face amount .


Input: Who Are The Top Homeowners Insurance Companies?

Output: You can find numerous consumer surveys that rank homeowners insurance companies in a range of categories likeprice , customer service , claims service , financial stability , etc. . Find a few from sources you trust and see what they have to say . Or ... another option isgo find a local insuranceprofessional who has a long-standing relationship with one or more homeowners companies . If that company and agent have been successfully insuringhomes in your area for a number of years , that is a pretty good indicator of the quality of both the company and agent .


Input: Who Are The Top Homeowners Insurance Companies?

Output: Underwriting appetite will vary not only from state to state but from zip codes . A strong well established company may be writing new policies in your state but may have stopped writing in a certain area . I would find a well established independent insurance agent in your area and ask if they represent more than one homeowners insurance company . Get a few quotes and ask a few simple questions . How long has the home insurance company been writing in the state ? If new , be aware of introductory rates to get new policies followed by incremental rate increases at renewal . Financial stability with the rating agencies ? You can check AM Best and Demotech for financial stability rating . What is your experience with the company 's claims process ? This is important because a company may have a competitive price but are slow to pay out on claims . If an agent represents more than one company , he may be giving you the lowest premium but if you ask , the agent may recommend another company with a little higher premium but better claims service .


Input: Where Should I Keep My Auto Insurance Card?

Output: Great question ! You should keep it either with you , or someplace easily accessible in your car . If you are pulled over , or are involved in an accident , the officer is going to want to see proof of your current insurance . Be sure to replace the old one with the newer one when you receive it . Thanks for asking !


Input: What Does Combined Single Limit Mean In Auto Insurance?

Output: When a policy has a combined single limit , the companys liability to settle a lawsuit is limited to an absolute amount regardless of how many people or vehicles are involved . The split limit approach is common and breaks down company liability to losses that come from personal injury to individual liability and cumulative liability . For example , the policy might defend you in a lawsuit and pay damages up to $ 100,000 per person in an accident while limiting recover to $ 300,000 for an accident . The policy will also limit recovery on damage to someone elses car that is damaged by yours to $ 100,000 . Beyond those limits , whether split or combined single limits , you are personally responsible for a loss .


Input: What Does Combined Single Limit Mean In Auto Insurance?

Output: Most auto insurance is written with `` split limits '' such as 250/100/50 meaning which would mean you get $ 250,000 of coverage for injury coverage total , $ 100,000 per person maximum and $ 50,000 for the property you 've damaged . In other words if one single person is injured and has medical bills that add up to $ 125,000 they can only get a max of $ 100,000 even though the overall limit is still not exceeded . A combined single limit could be for example $ 500,000 which means all damages are covered under that one limit on a first come first served basis .


Input: What Does Combined Single Limit Mean In Auto Insurance?

Output: Combined single limit is essentially a pool of money from which liability claims are paid . For example , if someone with a policy that has a combined single limit is in an accident with multiple people and the individual with the combined single limit policy is at fault and pursued legally for damages , any damages rewarded are paid out of the total pool . So , if the combined single limit is $ 500,000 , then damages will be paid from this $ 500,000 pool and no damages rewarded above $ 500,000 will be covered by the policy .


Input: How Do You Get Disability Insurance?

Output: The best option is to buy your coverage through an independent disability insurance broker . Disability insurance has many moving parts and are very customizable . Quotes are based on a number of factors including your age , gender , occupation , income level , any medications you may be taking , and medical conditions you 've been/are being treated for . When comparing quotes , the most important thing to understand in your coverage is the definition of disability -LRB- the best definition being a `` true own occupation '' definition -RRB- . This states what requirements must be met to have a valid claim on your disability insurance policy . I hope the information is helpful - please feel free to contact me for assistance with your disability insurance coverage needs , including quotes and policy analysis , and any other questions you have . Thanks very much .


Input: How Do You Get Disability Insurance?

Output: You may have disability coverage through Social Security . You may have disability insurance at work through your employer sponsored group benefit plan . But if you need individual disability insurance you need to seek objective advice from a independent agent with access to many disability companies like Standard of Oregon .


Input: Can You Buy Short Term Disability Insurance If You Are Already Pregnant?

Output: Every insurance carrier will ask medical questions when completing an application.Some carriers will decline applications for pregnant women.Many willnot ask any pregnancy related questions , so you may be able to purchase a policy while pregnant in many cases . Every policy will exclude coverage for any preexisting medical condition . That exclusion may last 6 to 12 months . That means your existing pregnancy will not be covered , but accidents and illnesses unrelated to your pregnancy may be covered . Policies covering normal childbirth are difficult to find . They are only offered through employers . If you have the opportunity to buy a policy it may be your only chance to get covered for future pregnancies .


Input: What Does Life Insurance Physical Test For?

Output: A life insurance physical tests for signs of tobacco , drug use , and illness . All these are factors that can cause life insurance to cost more , or to be declined . Some of the illnesses they are looking for are diabetes , coronary artery disease , kidney disease , liver disease , and blood diseases .


Input: Can Undocumented People Get Health Insurance?

Output: Undocumented immigrants can not get health coverage through the Affordable Healthcare Act . You will not be penalized or fined for not having purchased health insurance . If you are part of a mixed family where one member is a U.S. citizen and may be eligible for the healthcare exchange there are some circumstances where they may be included on the family policy . Undocumented immigrants can get limited services for an emergency medical condition through Medicaid , if they are otherwise eligible for Medicaid in the state . There are private companies who sell health insurance to undocumented immigrants including companies who offer global insurance.The global companies usually require that you have not been in the country more than a year or have a special visa . It is very affordable and good in the states and if you travel outside the country .