Input: I'm 21 and getting married. Will I be kicked off of my dad's health insurance once I am married?

Output: Under the provisions of the Affordable Care Act -LRB- ObamaCare -RRB- dependent children are allowed to stay on their parent 's health insurance coverage until age 26 . This is without regard to the whether the dependent child is or is not a full-time student , is married , or has coverage available through their own employer . So , in the vast majority of situations a dependent child can not be kicked off their parents coverage until they turn 26 . I say the vast majority of cases because in typical fashion there are these odd quirks in the law that no one read before they passed it . One of those odd quirks applies to what are called `` grandfathered '' health plans -LRB- policies that were in effect prior to the March 2010 passage of the Affordable Care Act . Buried in the fine print is a provision that became applicable on January 1 , 2014 . Under this provision , if the adult dependent child does have health insurance available to them through their employer then they can be dropped from their parent 's coverage . As such , whether your parent 's individual or group health insurance plan qualifies as a `` grandfathered '' policy can be a crucial factor in determining the adult dependent 's eligibility for continued coverage .


Input: I'm 21 and getting married. Will I be kicked off of my dad's health insurance once I am married?

Output: Getting married does not automatically kick you off of your parents ' health insurance plan.You can stay on your parents ' health plan up until age 26 . What getting married does is give you and your new spouse a special enrollment period to apply for a new plan if you want to look at other coverage and see if there is a better option for you . I hope the information is helpful - please feel free to contact me for help and if you have any other questions . Thanks very much .


Input: I'm 21 and getting married. Will I be kicked off of my dad's health insurance once I am married?

Output: If you are getting married , you may be able to stay on your parent 's health insurance plan , depending on the specific circumstances . For example , if you move , it 's important to have network-provided coverage . As a health insurance broker for 33 years , your question is asked by our customers about every month . There are many affordable options , especially if you qualify for a subsidy . LIVE answer provided by : Ed Harris - Premier health insurance broker and owner of several of the nation 's top-rated websites that offer the best rates to consumers .


Input: Does Homeowners Insurance Cover Slashed Tires?

Output: Your homeowners policy typically does not provide coverage for damage to your auto . You auto insurance would provide coverage for damage to your auto typically . If you have comprehensive coverage on you auto slashed tires may be covered as comprehensive coverage covers acts of vandalism 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: Why Should Kids Have Life Insurance?

Output: Families are more financially secure with children insured too . With risk of a burden after mishap of losing a younger member . Children ` s rates are lower and coverage can begin from age 0 to age 25 and to resume at guaranteed issue once at that age . This is when the child is grown and is no longer dependent upon the parents.The child may now own his/her policy for their family . Insurance for children can only be at a maximum of 50,000 depending on the policy and how much the parents may own .


Input: Why Should Kids Have Life Insurance?

Output: Insurance serves the primary purpose of protecting us against risk . When we take out a policy it is to help us with the loss of a loved one . Children need a policy because they create a loss in the event of their untimely death . In addition if a child gets a good policy at an early age while they are still healthy they can get the best policy for the best price .


Input: Why Should Kids Have Life Insurance?

Output: For children , there are really only a couple reasons for life insurance . We see a lot of parents who want to provide an asset for their kids to use when they are older , for college or even when they have a family of their own . You can over-fund a life policy to create a cash value which can be withdrawn or taken out as a loan . Not a bad way to get a tax-free income . The other reason is to just provide some coverage for the what if . We all see stories of children death caused by a lot of reasons . This does provide a ray of sunshine in a time of extreme emotion and hardship .


Input: Why Should Kids Have Life Insurance?

Output: Why should kids have life insurance ? Several reasons make it a good idea . First by purchasing a permanent policy you set the foundation for your child 's financial future . Think of it as raw land to be developed over time . It will be cheap but work very nicely through time . Next you can guarantee your child 's insurability down the road by the use of a rider that guarantees the insurance company ca n't say no later on . Taking away the NO is a bigger deal than you might think . How many times can you think of that being the situation ? And finally , for the worst possible thing , a child dying . The life insurance gives you a chance to grieve , pay for a service and not make lack of money make a terrible situation worse ...


Input: Why Should Kids Have Life Insurance?

Output: While medical advances are making more illnesses treatable , they also are making us aware of more illnesses , and allowing them to be diagnosed at an earlier stage . Any type of illness has the potential to cause life insurance rates to go up , and some illnesses limit the type of policy/amount of coverage you can get . Getting life insurance on a child helps you lock in a good rating before them , so that no matter what diagnosis they may develop as adults , their life insurance is take care of .


Input: Who Can Get USAA Insurance?

Output: To get USAA insurance , you must be a member of USAA . To be eligible to be a member of USAA , one of the following must be true : 1 -RRB- You are an officer or enlisted personnel in the US military , or are retired or honorably separated from the US military . 2 -RRB- You are an officer candidate in a commissioning program -LRB- Academy , ROTC , OCS/OTS -RRB- . 3 -RRB- You are an adult child whose parent has or had a USAA auto or property insurance policy , . 4 -RRB- You are a widow or widower of a USAA member who had a USAA auto or property insurance policy .


Input: What Should My Deductible Be For My Home Insurance?

Output: That is a great question ! The answer really lies with your level of risk tolerance and where your level of affordability lies . The higher the deductible , the cheaper your premiums will be , but if the deductible is set to a point where you could n't raise that amount in an emergency , then it 's not good either . You want to have a deductible that you can safely come up with , but yet allow you to safely afford the premiums . Thank you for asking !


Input: Why Is Health Care Reform Unconstitutional?

Output: At issue was whether the government had the power to mandate individual citizens to purchase healthcare coverage and was this a proper exercise of Congress ' Commerce Clause authority . Some lower courts did rule that parts of the 2010 Affordable Care Act was unconstitutional -LRB- see ruling by Judge Henry Hudson on 12/13/10 in Virginia ; US District Judge Robert Vinson in Pensacola , Florida on 1/31/11 ; the 11th Circuit US Court of Appeals in Atlanta also ruled against the `` individual mandate '' section on 8/12/11 -RRB- . Other courts ruled the Affordable Care Act was constitutional -LRB- see Judge George Steeh in US District Court for the Eastern District of Michigan on 10/7/10 ; 6th Circuit Court ruling in Cincinnati , Ohio on 6/30/11 -RRB- The strategic framing of the argument seemed to be critical in each case . As court cases go , the US Supreme Court gets the final word . On June 28 , 2012 , the US Supreme Court ruled by a 5-4 margin , that the `` individual mandate '' was a tax that Congress could impose on Americans . That ruling turned back a claim that challenged the provision 's constitutionally for allegedly violating the Commerce Clause .


Input: Why Is Health Care Reform Unconstitutional?

Output: The argument being made for the Affordable Care Act -LRB- ObamaCare -RRB- being unconstitutional essentially boils down to whether the United States Constitution gives the Federal Government the legal authority to compel citizens to purchase a product or service . The powers of what the Federal Government can do are -LRB- supposedly -RRB- strictly defined in the U.S. constitution with all other powers not granted to the Federal Government being granted to the individual states . There is also the issue of whether the Federal Government under its authority to regulate interstate commerce can coerce a citizen into engaging in an economic activity within the confines of their own state . This is where the argument regarding the `` individual mandate '' comes into play . Can the Federal Government penalize someone for not engaging in an economic activity , in this case refusing to purchase health insurance ? I would refer you to the United States Constitution -LRB- It 's a surprisingly short read -RRB- to make your own judgment as to whether the Affordable Care Act -LRB- ObamaCare -RRB- is in compliance with our government 's owner 's manual .


Input: Who Should I Buy Disability Insurance From In Texas?

Output: Disability insurance can be purchased from a local licensed agent . But make sure they have access to all the brokerage disability carriers in the market and not just their own proprietary product line . Shopping online with brokerage firms that specialize in disability insuranceare excellent consumer sites to collect objective information off theirspreadsheets featuring premiums and policy provisions .


Input: Who Should I Buy Disability Insurance From In Texas?

Output: To buy Disability Insurance in the state of Texas , you could contact a local agency that sells multiple Life Insurance products . If they sell several types of insurance , there is a chance they sell Disability Insurance , too . Or you could look on the internet by searching on Disability Insurance . Brokers are a good place to go for a good selection and competitive pricing .


Input: Can I Cancel My Auto Insurance At Any Time?

Output: Yes , you can cancel your auto insurance policy at any time . If you bought the insurance through an agent , you can simply call them and tell them you need to cancel your policy . If you bought the insurance directly from the insurance company , you contact them . There are two considerations . The first has to do with the amount of premium refund you will get if you cancel the policy prior to the expiration date . In most states , if the insured cancels a policy before the expiration date , the return premium is calculated on what is known as a `` short rate '' basis . The short rate calculation may include an extra 10 % to the insurance company to cover the expense of cancelling the policy . The second consideration is whether the auto has a lien against it . If you still owe money on your car , your lender will require that you replace the cancelled insurance right away with a new policy . And you ca n't hide this from the lender because the insurer you cancel with automatically notifies the lender that the insurance has been cancelled .


Input: Can I Cancel My Auto Insurance At Any Time?

Output: Most insurance companies will accept a telephone call as an order to cancel an auto policy . Some may require a signed form but even that should be available over the internet or directly from your agent . If you want the policy cancelled on a date other than the current date , additional information might be required . For example , if you call the company and tell them that you sold the car 45 days ago . They might require a bill of sale , to back-date the cancellation .


Input: Does Homeowners Insurance Cover A Sinkhole?

Output: Generally speaking no , it does not . This is because most Homeowners Insurance policies include a specific exclusion for damage to your home or personal property caused by earth movement . Talk to your Insurance Professional about your policy and ask about amending it to include this coverage . In most cases you will find that this can be easily done . Once amended , your policy would cover for damage caused by sinkholes or other earth movement .


Input: When Does A Fixed Period Annuity Terminate?

Output: When you select a period certain payout option for a fixed annuity , the monthly payments will cease when the selected term period expires . For example , if you selected a 20 year period certain fixed annuity , your monthly payment would stop after 20 years . You are given a number of options when you first create your annuity - one being how long you want the payments for -LRB- a specified period of time , or continue on for life -RRB- . The shorter the payout period , the higher the payment . If you want it to payout for the rest of your life , the monthly payment would be lower . It 's important to review your options with an experienced insurance broker -LRB- I would recommend one with a background in estate planning to be most beneficial -RRB- when purchasing an annuity as each company may offer a different rate so some companies may offer you a higher monthly payment than others for the same purchasing price . I hope the information is helpful - please feel free to contact me for assistance with your annuity program and if you have any other questions . Thanks very much .


Input: How Much Does Life Insurance Cost Monthly?

Output: This is a common question with a `` it depends '' answer . Your monthly cost will boil down to many factors . First type of life insurance policy . Second is the face amount needed at your death . Lastly , your rating class which is determined by your age , build , health status , lifestyle , occupation , income , net worth , etc. . I suggest using a trusted advisor to help you navigate this process .


Input: How Much Does Life Insurance Cost Monthly?

Output: If you want to get an idea of what life insurance costs monthly for different face amounts , term lengths , ages , and health conditions , you can visit a website that offers instant , free life insurance quotes -LRB- such as mine -RRB- . While the rates may not be 100 % accurate , it can certainly give you an idea of what term life insurance costs monthly .


Input: Does Life Insurance Pay Off Triple If Killed On A Business Trip?

Output: It is possible for a life insurance policy to pay a triple benefit , including if you are on a business trip . Some group term life insurance policies , and a few individual term plans , have an AD&D -LRB- accidental death and dismemberment -RRB- provision that pays a multiple of the face if death occurs due to accident . The `` triple '' benefit -LRB- if included -RRB- pays in the event you are killed while traveling on a common carrier .


Input: Does Life Insurance Pay Off Triple If Killed On A Business Trip?

Output: One last comment to Bob Vineyard 's answer . Some life companies , subject to their underwriting conditions , will allow a rider -LRB- at an additional cost -RRB- to be added to a life policy , which can double or even triple the face amount of coverage if death is due to an accident . These life companies may also limit the total amount of death benefit though , to a maximum amount as stated in the policy . It should be noted though that not all life companies offer more than `` double indemnity '' -LRB- twice the face amount -RRB- , and you should check with with your insurance professional to see what companies may allow this increased rider amount .


Input: Does Life Insurance Pay Off Triple If Killed On A Business Trip?

Output: No , a life insurance policy does not pay out triple if killed on a business trip . The stated death benefit is paid out regardless of how death occurs . There is a contestability clause in the policy stating that suicide is not covered for the first 2 years of the policy .


Input: What Insurance Covers Curettage / Uterus Scraping?

Output: You need health insurance . D&C procedures should be covered in bona fide major medical health insurance policies . It is possible that the deductible is very large and the cost of the procedures have not reached the deductible threshhold . You probably will find little benefit in daily indemnity health insurance programs because these pay for a hospital stay or limited amounts for procedures .


Input: How Many Chiropractic Visits Are Allowed By Medicare?

Output: Medicare does in fact limit the number of chiropractic visits . You can only go while you are alive . Once you expire , so do your chiropractic visits . As long as your chiropractor meets Medicare guidelines for licensure , etc there are no artificial limits on care . A doctor gave a man 6 months to live . He could n't pay his bill , so the doctor gave him another 6 months . Ba-da-bing


Input: Does Having A Dog Increase Renters Insurance?

Output: It depends on the company you go with . Assuming your landlord allows pets , most companies will not raise your rates for having a dog . There are some exceptions with some companies however . Some breeds like Pit Bulls , Rottweilers , German Shepherds and Dobermans have been , I think unfairly , considered higher risks of liability , therefore some companies will charge higher rates if you own one of those breeds .


Input: Does Having A Dog Increase Renters Insurance?

Output: Not with Allstate , unless it is on the list of vicious breeds . Such as Pit bulls , Rottweilers , etc. . . Yes it is not fair . But it is what is . They do n't invite us to the boardroom to make these decisions . Otherwise , no it will not . Hope this helps you out a bit !


Input: Does Having A Dog Increase Renters Insurance?

Output: You would be surprised how many claims there are for little lap dogs biting people . In Florida , many of the carriers that write homeowner 's and renter 's insurance exclude pets completely - no matter the breed . If you have pets , it 's important to discuss that with your agent so that they can place your coverage with a carrier that offers animal liability , if it is available .


Input: Will Medicare Cover Drug Rehab?

Output: Medicare can help pay for drug abuse treatment in both the inpatient and outpatient settings . Inpatient settings would be covered by Part A and outpatient settings would be covered by Part B . The services must be medically necessary and completed at a facility/with a provider that accepts Medicare . Medicare would cover about 80 % of the costs and you would be responsible for the other 20 % - a medigap plan may be able to cover the other 20 % for you .


Input: Are business liabilty insurance polices taxed on the premium price

Output: Premium taxes are generally never seen on a policy declaration page unless the carrier is a `` surplus lines '' insurance company.Surplus lines coverage is provided by a special agency type referred to as a `` surplus lines agent '' who acts as a wholesaler to retail agencies . The help non-admitted carriers manage their underwriting and administrative issues for the states where they except risk . The surplus lines agent deals with carriers who are not admitted to do business in a given state but they can also work with admitted carriers . The term `` admitted '' refers to the licensing process and a `` non-admitted '' carrier has not sought the approval of the state insurance department to provide insurance to residents and businesses of the state . When coverage is written by the non-admitted carrier , a tax is charged on the premium and fees charged by the surplus lines agency . That tax rate is 5 % in Ohio . The surplus lines agent then remits the tax to the state where the risk is located . That is a part of their services . And , in answering the final part of your question , usually surplus lines tax applies to business risk but can also apply to personal lines . By the way , a non-admitted carrier is not included in the protections of the carrier insolvency protections of state statute so this is important to keep in mind when doing business with non-admitted carriers . Not being an `` admitted '' carrier in a state is not an indication of the solvency of the carrier or its ability to pay claims but it is important to mention that the protections of the law in your state may not help if a non-admitted carrier goes bankrupt in the same way as you have protection -LRB- in many instances -RRB- when an admitted carrier goes bankrup .


Input: Are business liabilty insurance polices taxed on the premium price

Output: Sometimes , if the insurance is provided by a carrier who is `` non admitted '' in your state through an excess lines market , states may impose a tax on those policy premiums . That tax is included in the total price you pay for the coverage along with any brokerage fee that may also be charged .


Input: What Happens If I Stop Paying Life Insurance Premiums?

Output: If you stop paying life insurance premiums for Term life insurance , your policy will lapse after a one month grace period . There will be no penalty charged and you will receive no money back , unless you took out Return of Premium -LRB- ROP -RRB- Term insurance , in which you may be able to get some of your premiums back if you kept the policy long enough . If you stop paying premiums on Whole Life or Universal Life , the cash value of the policy may continue to pay the premiums for a while . If you want to take the cash out , you need to notify the life insurance company or your agent that you are dropping your policy . And once that runs out , your policy will lapse -LRB- quit providing coverage -RRB- .


Input: What Happens If I Stop Paying Life Insurance Premiums?

Output: That is a great question ! When you stop making payments on your policy , it will enter into what is called a `` grace period '' , and then will `` lapse '' , or end . With a term policy , that is generally no big deal , you do n't lose anything by letting that happen . Your whole life policy can be a whole different story . With the whole life policy , over time it builds a cash value , one that will be kept by the company , should you allow the policy to lapse and poof up in smoke . The better thing to do in the case of a whole life policy is to either `` surrender '' it -LRB- and get your cash back -RRB- or take it as `` paid up insurance '' , have some coverage , and no more payments . Please feel free to contact me if you need help with this , okay ? Thanks for asking !


Input: What Annuities Are Protected From Creditors?

Output: In Canada , all annuities can have potential protection from creditors and unforeseen depending on the circumstances . In ordered to be afforded creditor protection , the beneficiary needs to be in the preferred class . Which means the relationship to the life insured is spouse , child , grandchild or parent . If you have further questions , or feel that I could be of assistance , please do not hesitate to contact me .


Input: What Annuities Are Protected From Creditors?

Output: Good question ! Creditor protection is an important concern , especially for the self-employed . There are basically two types of annuities , immediate and deferred . Both are considered insurance products and as such can offer creditor protection under certain circumstances . Immediate annuities , as the name suggests , provide an immediate income stream in exchange for a lump sum . They are often used to provide a guaranteed income in retirement planning . Deferred annuities are accumulation products that have the option of an annuity at some point in the future . In Canada for example , they can be Guaranteed Interest Annuities -LRB- GIA -RRB- , that are similar to Guaranteed Investment Certificates -LRB- GIC -RRB- or Segregated Funds -LRB- variable annuities -RRB- that are similar to mutual funds . With both types of annuities , in order to offer creditor protection , you would need to have been solvent when you put the money into the contracts . In other words , you would not have been trying to attempt fraud . If the above condition is met , the income flow from immediate annuities is afforded creditor protection . Deferred annuities , like insurance policies , receive creditor protection based on the beneficiary designation . Eligible beneficiaries include those in the `` protected class '' : spouse , parents , children and grandchildren . In addition , irrevocable beneficiaries also qualify . Please check with a lawyer for your individual situation . If you have further questions , or feel that I could be of assistance , please do not hesitate to contact me . If you would like to work with a local life insurance broker , you could start with a Google search . For example , if you search for : life insurance broker Halifax or life insurance agent Halifax , my name , along with several others , will come up . You can use the same method to find a life insurance broker in your community .


Input: Does Medicare Cover CT Scans?

Output: Medicare Part B covers diagnostic tests , including CT Scans , when your doctor has determined it is needed to help diagnose a medical problem . Part B will pay for 80 % of the expenses - you 're responsible for paying the other 20 % . A Medicare supplement plan would cover these expenses .


Input: How Do I Qualify For Long Term Care Insurance?

Output: Long Term Care Insurance is paid for with your money , but it is your health that actually buys it . You need to be relatively healthy to buy long term care insurance . Anyone can buy it as long as the can afford it and can qualify health-wise . Talk to a good independent agent specializing in the needs of seniors and care planning .


Input: When Is Open Enrollment For Medigap Insurance?

Output: You have an initial open enrollment period when you 're new to Medicare -LRB- specifically , when you start Medicare Part B -RRB- . This is a 6-month window from your Medicare Part B effective date where you can buy any Medigap plan from any insurance company with no medical underwriting . Outside of your initial open enrollment period , you can buy a new Medigap plan at any time throughout the year -LRB- which is great for trying to lower your monthly premium - and since Medigap plans are standardized , you can lower your premium without losing benefits -RRB- . Medigap plans are not restricted to annual enrollment periods like MA & Part D plans are . Please note , you may have to answer health questions on the application to qualify for a new Medigap plan . I hope the information is helpful . Please feel free to contact me if you need help getting a Medigap plan set up for your Medicare insurance program or are looking to lower your monthly premium . Thanks very much .


Input: What If I Can't Afford Long Term Care Insurance?

Output: There are some other options . Some newer Life Insurance policies have long term care riders available that are very affordable . Another option would be to consider a Short Term Care Policy to help pay expenses until you can qualify for government aid . A good independent agent who specializes in Care Resource Planning can help you determine your best options based on your affordability .


Input: What If I Can't Afford Long Term Care Insurance?

Output: Long term care insurance can be purchased as a standalone policy , or as a rider on life and/or annuity policies . Riders may not coverage the full extent of extended care , but they can provide coverage and also act as a marginal savings vehicle . There is always the government program Medicaid , but it is means tested , so have your adviser examine the options that best fit your scenario before moving forward .


Input: Why Is Disability Insurance More Expensive For Females?

Output: Why is disability insurance more expensive for females ? Honestly , I have n't found that to be the case . Reasons could be women tend to use medical services more than men which can mean `` living '' insurance products like health and disability could be priced higher than men , who pay more for their life coverage .


Input: How To Get Homeowners Insurance With Bad Credit?

Output: Great question ! It is n't a secret anymore that insurance companies base a part of their rates upon your credit history and rating . That said , most of them will still give you a policy , but it will get progressively more expensive the worse your credit is . The bright side ? Often we think our credit is worse than it really is , and that businesses do n't see us as badly as we see ourselves . My advice is to shop around , and find an independent agent who can help you find a policy that is affordable , and fits your needs . Good luck ! Thanks for asking !


Input: How To Get Homeowners Insurance With Bad Credit?

Output: Credit can be and usually is a factor used when a company developes premium for Homeowners Insurance products , but it is not the only factor . Prior losses for which you may have filed claims at previous residential properties , the condition of your current home , proximity to fire stations and hydrants or other water sources and other factors are also a consideration . Unfavoirable credit , in and of itself , would probably not keep you from obtaining coverage , though it may cause you to pay more . If you do have trouble , for whatever reason , then talk with your Insurance Professional . In Connecticut , and I suspect in most states , there are state programs that are specifically in existence to provide some coverage when one 's property does not meet the standard market underwriting rules .


Input: Why Has My Insurance Not Gone Down When I Dropped My Daughter?

Output: Your daughter was not the prominent rating factor for the vehicle . Since you only have two cars and 3 drivers you were rating a spare driver . I would assume the other driver who is not yourself has a impact on the rate . Either a young driver or a driver with some violations may be in play . Actually your agent should be able to look at your policy and easily figure out what is driving the rate . You say she was paying 900.00 for the car she was rated on but actually this would be been inaccurate in the first place . Hard to explain in this type of format . Call your agent to get a better explanation since he or she has details of your policy .


Input: Does State Farm Life Insurance Test For Marijuana Use?

Output: Unless something has changed recently with their testing protocol , no State Farm does not test for THC .


Input: How Much Does It Cost To Get Renters Insurance?

Output: Great question . Often clients are afraid to ask I think they believe is it expensive but actually its relatively inexpensive . Typically if you insure two vehicles with a company the discount you gain by having a second policy on your auto insurance will if not cover the cost of a renters policy it will be close ! So the average cost is 60-120 dollars a year . So for ten dollars or less you have coverage for your phone , computers , books , clothes , medications , cd 's , movies , art , guns or whatever else you own ! Ten dollars a month is very inexpensive , also these are covered anywhere in the world !


Input: How Much Does It Cost To Get Renters Insurance?

Output: Renters Insurance premium is different in all areas ; in order to obtain a quote , it is best to input the address and coverage desired and you 'll be able to obtain an instantaneous quotation . In order to obtain the lowest possible premium , you would need to request the lowest Personal Property coverage necessary , the lowest available Personal Liability limit and the highest available deductible ; this is the recipe for the lowest premium . There is a link available providing an online format to obtain a quote and buy home insurance online in multiple States ; may be used by Escrow/Closing Professionals , Mortgage Professionals , Real Estate Agents and directly by Consumers . An exemplary online experience for all ! WEBSITELINK


Input: How To Get Health Insurance If Overweight?

Output: Under the Affordable Care Act -LRB- Obamacare -RRB- you can no longer be turned down for any pre existing health issue , including being overweight . Should those plans be too expensive you still have options in many states for alternative coverages that do n't take weigh into account . Some short term plans and guaranteed issue hospital plans are two such options .


Input: How Long Can My Daughter Stay On My Health Insurance?

Output: She can stay until age 26 -LRB- under most circumstances -RRB- . Of course , she can leave before that time , and may have to if she moves out of the state and resides in a different city . There will be an Open Enrollment each year so if she owns a policy that she does not like , experienced brokers -LRB- and our websites -RRB- can guide her and help find the best options .


Input: Can I Put Insurance On A Car That Is Not In My Name?

Output: Yes - New York only-this is usually done when you lease a vehicle and the leasing company requires you to insure the vehicle with your own plate and registration . An individual can also procure a form fom the NY DMV which authorizes them -LRB- the titled owner -RRB- to allow another -LRB- you -RRB- to register and insurethe vehicle . In New York , the insurance follows the registration . If you do this , make sure you name the titled owner of the vehicle as an additional insured for liability -LRB- as you would the leasing company -RRB- and as a loss payee for the physical damage -LRB- comprehensive and collision -RRB- . If the person allowing you to register the vehicle has a loss payee on the vehicle , you would name both the person and their loss payee entity as ` loss payee ' on your physical damage coverage . The big question is ... . will an insurance carrier accept this situation ? Many will not . Check with your/a carrier first before signing anything in this type of situation .


Input: Does Medicare Cover Emergency Room?

Output: Emergency Room admission and treatment is a Medicare Part B expense . Even though the ER is part of a hospital , and you may use other facilities such as the hospital lab , X-ray or imaging department , these are all Medicare Part B expenses subject to the annual deductible and 20 % coinsurance .


Input: Does Health Insurance Cover ED Drugs?

Output: If your health insurance plan has it 's pharmacy benefits integrated then it probably will . The type of plan and the scope of it 's coverage will dictate how exactly such a medication is handled . If one has a `` rich '' level of coverage then one should have no problems what-so-ever , however with plans that offer `` thinner '' coverage and benefit options one may have to have their Dr. contact the insurance company to state that the medications are a medical necessity -LRB- which could be due to ones mental health-depression -RRB- this should meet the requirements to obtain approval for such Rx 's for E.D.


Input: How Does Sleep Apnea Affect Car Insurance?

Output: I have never heard of sleep apnea affecting car insurance rates . As long as you do n't have some kind of note from the doctor indicating you are not allowed to drive your good to go . Usually if there is a medical problem that could be considered a hazard your doctor will request your license be revoked .


Input: Can My Girlfriend Be Added To My Health Insurance In Colorado?

Output: No , Colorado does not require health insurance companies to allow someone to join an insurance policy just because they are in a relationship . However , your girlfriend can purchase a policy on her own , and you could help pay the premiums if you would like . Ultimately , in the vast majority of cases , the cost of her coverage would the same whether she was added to your policy or if you purchased the exact same plan for her individually . In that regard , there really would not be any advantage at all to adding her to your plan .


Input: What Amount Of Car Insurance Should I Have?

Output: Well , you should at least have what ever your state 's minimum requirements are . I personally do not recommend anything less than 100/300 coverage to anyone that I speak to and even at this level it may not be adequate for your situation . The best thing to do is contact a local agent and discuss your situation with them and they can help direct you to the coverage/policy that will best fit based on the information that you provide .


Input: What Are Deferred Annuities?

Output: A Deferred Annuity is a type of Retirement Savings method . At a very basic level , it credits your money a certain rate each year . This rate is often a set interest rate . But it can be based on Index-Linked gains , or equity gains/losses . Your money grows until you decide to do 1 of 2 things : 1 . You can move it to a different financial instrument . 2 . You can choose to annuitize the funds , creating a guaranteed income stream . Of course , you can choose to take periodic withdrawals from your deferred annuity as well . But be aware of any surrender charges or % based limits on your withdrawals . Most Deferred Annuities impose an early surrender charge on any withdrawal over 10 % . But some limit it to the earned interest , 5 % , and some even 20 % .


Input: What Are Deferred Annuities?

Output: There are two types of annuities . An immediate annuity is one where the deposit is converted to a lifetime income -LRB- or some variation -RRB- immediately . A deferred annuity provides that annuity benefits may commence at a later date . The deferred annuity has two phases ; the accumulation phase and the distribution phase . Further questions about deferred annuities should reference which phase of the annuity is of concern .


Input: What Are Deferred Annuities?

Output: Tax deferred annuities are mortality insurance products . Tax deferred annuities permit your contributions and earnings to accumulated tax deferred . The earnings or crediting method have three basic options : fixed interest rate crediting , indice crediting and separate sub accounts - using equities and bond investments . Tax deferred annuities are generally purchased to generate income in the future , even lifetime income you cant outlive . During distributions the gain in the policy is taxed as ordinary income .


Input: Will Cat D Affect My Car Insurance?

Output: In California there doesnt seem to be an exclusion for any automobile coverage based upon the title of the automobile . Your CatD car has previously been declared a total loss . However , if it is now licensed for operation on the states roads , in California , insurance companies should cover your car .


Input: Can You Deduct Life Insurance On Schedule C?

Output: You have to remember what life insurance gives to you upon death of a covered person , a TAX-FREE death benefit . There are a few circumstances which life insurance premiums can be `` written off '' however you need to be aware that the death benefit , usually a tax-free benefit will become taxable . Consider what that will do to your tax bill and the liability you might have . Otherwise I would recommend talking to your tax adviser about deducting your life insurance premiums .


Input: Is Life Insurance Included In Gross Income?

Output: Life insurance proceeds are income tax-free . So , in short , no - the payout of proceeds from a life insurance policy are not included in your gross income -LRB- assuming you 're referring to your tax return -RRB- . I hope the information is helpful - please feel free to contact me for help and if you have any further questions . Thanks very much .


Input: Is Life Insurance Included In Gross Income?

Output: Life insurance proceeds are typically income tax free . If you own a cash value plan such as whole life or universal life , the cash value build up can be taxed and is counted as an asset if the policy were ever to be cashed out or cancelled . Always contact your agent or advisor to avoid a costly mistake .


Input: Is Life Insurance Included In Gross Income?

Output: That is a great question ! I am happy to tell you that one of the greatest benefits of having life insurance is that very rarely are the proceeds ever taxable . Since the premiums are paid after tax , the benefit returns tax free . Your beneficiary does not have to claim that money on any tax forms . Thank you for asking !


Input: Is Life Insurance Included In Gross Income?

Output: No , not generally . There may be some circumstances where life insurance payouts may be taxable , but these are unusual . Check with your tax adviser . If you are looking to qualify for Medicaid then cash value may affect qualification , depending on your State . Life insurance proceeds are generally non-taxable to a beneficiary .


Input: How Does A Life Insurance Rider Work?

Output: There are many riders that are associated with most life insurance policies : wavier of premium , term life insurance , long term care , critical illness , catastrophic care , terminal illness , to name a few . These additional benefits may be embedded into the policy at no charge or have cost associated with them .


Input: How Does A Life Insurance Rider Work?

Output: The way a life insurance rider works is like this . You take out a life insurance policy that provides your basic coverage . Some policies have features built into them without adding a rider -LRB- especially living benefit policies -RRB- . But most policies , however many features they have built within them , do offer some riders . Onto this core policy , you add riders for the extra features that you want . Most riders have a charge , but some are free . The options include Child Riders -LRB- to cover minor dependents -RRB- , Accidental Death Rider -LRB- pays extra in case of death due to accident -RRB- , Waiver of Premium Rider -LRB- waives the policy premium if you are disabled -RRB- , Disability Income Rider -LRB- pays a percent of your income to you if you are disabled -RRB- , Term Rider -LRB- adds a Term policy to a Permanent policy for you or another person -RRB- . Terminal Illness Rider -LRB- allows you to use part of the death benefit while still alive , if diagnosed as terminally ill -RRB- , and Return of Premium Rider -LRB- pays back all your premiums if death does not occur by the end of the term -RRB- , among others .


Input: When Do You Buy Long Term Care Insurance?

Output: It is best to buy when you are young and healthy . There is no reason to delay a purchase since the premiums increase at older issue ages as do your chances of becoming uninsurable for long term care insurance . Long term care can impact adults at any age so it is never too soon to purchase insurance for it . The average age of purchase has been falling in recent years as more people are purchasing it at younger ages -LRB- many are buying in their 40s and 50s -RRB- .


Input: Who Has The Best Medigap Insurance?

Output: All Medigap plans feature standardized benefits , meaning a plan F from company ABC features the exact same benefits as a plan F from company XYZ . So you have the exact same coverage regardless of which company the plan is through . The major factor to look at is the price - how much you are paying each month for your Medigap coverage . It 's how carriers differentiate themselves from each other . Another factor to consider is the rating method the carrier uses . Most carriers will use the attained age rating method -LRB- your rates increase each year as you get older -RRB- because it generally offers the lowest rates initially -LRB- you can end up paying more than other options if you keep the plan for many years -RRB- . Community rating means that everyone in a given area pays the exact same rates regardless of their age -LRB- an 85 year old pays the same rates as a 75 year old -RRB- - the price can be a little higher up front , but provides great savings in the long term . The third rating method is issue-age rated -LRB- the rates will only be based on your age when it was first placed in force -RRB- - this is typically the most expensive coverage . I hope the information is helpful - please feel free to contact me for assistance with your Medigap coverage and if you have any other questions . Thanks very much .


Input: Who Has The Best Medigap Insurance?

Output: The best Medigap insurance can be found with the company that offers the lowest premium for the Plan you want . It 's really that simple . All Medigap Plans are standardized . This means each lettered plan has the same exact benefits from one insurance company to the next ... the only difference is the price . CMS has safety nets in place for Seniors , so if you have a Medigap Plan your bills are going to be paid according to the benefits of your Plan . If you have Medigap Plan F , all your Medicare approved charges will be covered and you do not have to pay any deductibles or coinsurance . Medigap Plan G works just like Plan F and covers all Medicare approved charges after you 've met the annual Part B deductible . With so many insurance companies available who sell Medigap insurance , it is wise to work with an independent agent who specializes in Medicare Supplement insurance . That way you can choose the best Medigap Plan that is right for you .


Input: Which Health Insurance Covers In Vitro Fertilization?

Output: Most health insurance policies will not cover any infertility treatments of any type . Even fewer will cover IVF . Fifteen states have insurance mandates which require certain health plans to cover infertility . Nine of those state mandate include coverage for IVF . Since most of these mandates apply to group plans , the in situs state of the employer is more important than the state where you live . If your employer is headquartered in a state with an IVF mandate , then your odds are better .


Input: Much Does Health Insurance Cost One Person?

Output: The rate depends on many factors including your age , where you live , your health and whether you smoke . Monthly rates could vary between $ 25 per month to $ 250 per month -LRB- or much higher -RRB- depending on these factors . And of course , different carriers such as Anthem , Aetna , Cigna , UnitedHealthcare etc. . . will charge different premiums . To view rates , you can visit a reputable website that offers free online quotes . There is no obligation and you can easily apply online for coverage after viewing your best options . You may also receive a federal tax subsidy when State Exchanges are operational . Naturally , an experienced broker can also assist you .


Input: Does Medicare Require A Copay?

Output: Original Medicare has deductibles and coinsurance for Medicare Part A and Part B . If you have a Medicare supplement plan N , you will have copay 's for outpatient expenses and ER visits . Plan N copay 's are limited to $ 20 or $ 50 . If you have a Medicare Advantage plan you will have copay 's for most medical services .


Input: Can I Be On Two Auto Insurance Policies?

Output: If you drive more than one vehicle or own more than one vehicle you should be on more than one auto policy . You should be on every policy for every vehicle that you regularly drive . Talk to your agent or broker to get yourself listed on the right car insurance policies .


Input: Can I Be On Two Auto Insurance Policies?

Output: You not only can be on two auto insurance policies , you should if you are the registered owner of both ! However if the question is can you be insured on 2 auto insurance policies on the same vehicle , that 's a no-no and sometimes done in a fraudulent attempt to collect for damages twice . Do n't do the crime if you ca n't do the time !


Input: Can I Be On Two Auto Insurance Policies?

Output: There is no reason why you ca n't be listed on two auto insurance policies if you are a driver on both the vehicles or the registered owner of both . IF you are the registered owner then you should be named as an insured and if you are simply a driver , you should be listed as such on each policy for each car you drive -LRB- if they are different policies -RRB-


Input: How Much Is Car Insurance Per Month In Florida?

Output: The per month cost of insurance in Florida depends on several factors including the car covered , your driving record , your age , your marital status , the location in which the car is kept , and numerous elected coverage amounts including liability coverage , personal property coverage , and uninsured/underinsured coverage . Due to the variability of these items it 's nearly impossible to say exactly how much it will cost until more information is provided regarding these items .


Input: Is Condo Insurance Cheaper Than Home Insurance?

Output: Generally speaking it is , yes . With a Homeowners ' policy , coverage is provided for three prim , ary elements . First , the dwelling itself is covered . Second , your personal property has protection and third , liability coverage is provided for situations where you are legally liable for injury to another person or damage to their property . A Condo Unit Owners ' policy is similar , but it does not provide primary coverage for the actual dwelling -LRB- building -RRB- .


Input: What Does Life Insurance Not Cover?

Output: The only thing that all life insurance policies do not cover is death due to suicide in the first two years of the policy . Some policies will exclude death caused during the commission of a crime , or by acts of war or terrorism . Others could have a stipulation , such as death caused by parachuting , but that will be an exception stated explicitly in your policy for your particular situation . Life insurance pays for death due to old age , anything health related , and accident . This covers the vast majority of causes of death .


Input: What Does Life Insurance Not Cover?

Output: Video Transcript : Today 's question is , `` What does life insurance not cover ? '' Well , during the first two years of the life insurance policy from the day that it 's issued , they do n't cover suicide . And if there are material misstatements or fraud in the contract , the death claim could be in jeopardy from being paid . So , you always want to be able to be honest about all your issues in the contract application , all the questions . By the way , that includes smoking . Some people try to say , I am not a smoker , when they are . And if they find that out , there could be elements of fraud or misrepresentation on the application that again , could put in jeopardy your death claim . So , I always say , be as honest as you can on the application . Just tell the truth . And remember , they do n't pay on suicide during the first two years . It 's called the contestability period .


Input: What Does Life Insurance Not Cover?

Output: Life insurance covers the life of the insured . There are a few exclusions within the first two years . These two years are known as the contestability period . This time period gives the life insurance carrier time to investigate as cause of death to see if an illness was missed during the underwriting period . Another common cause of death to be excluded under the contestability period is a suicide . After the two year contestability period most companies will pay the death benefit regardless of the cause of death unless fraud can be explicitly proven or an activity such as racing , skydiving , rock climbing , etc. is excluded upon issue of the coverage .


Input: What Is IRR In Life Insurance?

Output: IRR stands for Internal Rate of Return . It is a financial measure of return on cash over time . In the context of the death benefit , the IRR is the rate at which outlays up to that year must be compounded each and every year to generate the death benefit .


Input: What Is IRR In Life Insurance?

Output: The internal rate of return in a life insurance proposal measures the profitability or loss based on premiums paid versus the benefits of the policy . The two benefits measured are accumulated cash values and/or death benefit in any one year . Almost every proposal can illustrate internal rate of return for both benefits and should be requested .


Input: Who Sells The Best Whole Life Insurance?

Output: Who sells the best whole life insurance ? Well in my many years as both a captive and independent I can answer truthfully , a lot of companies . The best thing about life insurance is that there are many companies that occupy that top of the table where best could apply to any of them . You may see from time to time , advertisements from companies showing they 're best for 250k coverage . What they put in small print would be male age 35 best possible class . Why ? because they may not be best for females age 30 standard plus class . The best place to be company wise will simply depend on who you are , how your health is , how much coverage you buy and do you smoke ? Your answers may make the best company be entirely different than somebody else like your spouse for example .


Input: Who Sells The Best Whole Life Insurance?

Output: That is a really good question ! Every insurance company will try to sell you on the fact that they are the `` best '' . The truth is that there is often not a lot that separates one policy from the other , especially when it comes to straight term policies . So what makes one company `` better '' than the next ? There are companies that underwrite differently , and if you have an issue , then the one that writes best for your issue is `` best '' . Or if you like the occasional cigar , but otherwise do n't smoke , then a company that does n't count that cigar as smoking is `` best '' . A good independent agent can help find the company that can best suit you . Thanks for asking !


Input: Who Sells The Best Whole Life Insurance?

Output: Like mentioned above there is a lot of different factor they will base the price of the policy . You should contact multiple Life agents and companies for quotes base the amount of coverage your looking for . You should also consider your Automobile policy if you have one as they would be able to give you a Multi-policy discount that could in some cases be lower . Check the companies Am Best Rating for their financial strength . You do n't a cheap policy from a company that a bad rating and bad claims history . Thank you and good luck .


Input: Who Sells The Best Whole Life Insurance?

Output: The company that can deliver the check to your beneficiaries at the time of your death . As a matter of fact , your beneficiaries will not care if the claims check is from whole , term or universal life . The checks will be identical .


Input: Who Sells The Best Whole Life Insurance?

Output: Who sells the `` best whole life insurance '' ? The answer to that question is it depends . Which insurance policy is best depends on what your individual needs and desires . There are a number of factors to consider such as the insurance company 's ratings , if the policy is participating the dividend history , policy design and more . An independent life insurance broker can help you find the plan that is right for you . If you have any further questions or if you feel I could be of assistance , please do not hesitate to contact me .


Input: What Is Medicare ASP?

Output: Medicare Part B reimburses physicians for drugs based on the ASP , or average sale price plus a additional % . These drugs reimbursed by average sales price are delivered `` incident to '' physician services , in that they require the training and expertise of a physician to be administered to the Medicare patient .


Input: Can A Person On Medicare Have An HSA?

Output: A person on Medicare can have an HSA -LRB- health savings account -RRB- but they can no longer contribute to an HSA once they go on Medicare . The funds that are still in the HSA at the time of enrolling in Medicare can be used to pay for expenses that are not covered by Medicare , such as co-pays , deductibles , premiums , etc. .


Input: Is An IRA A Qualified Retirement Plan?

Output: An IRA , or Individual Retirement Account , is a retirement plan , but it is not considered a qualified plan . IRAs are discussed in Section 408 of the IRC . Qualified plans are set up by businesses , while some types of IRAs -LRB- traditional or Roth -RRB- are established by individuals . There are some types of IRAs , -LRB- SEPs and SIMPLE IRAs , for example -RRB- , that must be established by an employer .


Input: How Much Does Kit Car Insurance Cost?

Output: As far as the liability , uninsured motorist and medical coverage part of it , it 's about the same as classic car insurance on a regular classic car . But with comprehensive and collision coverage , it can get a little more pricey due to lack of competition . Many classic car insurance companies will not insure a kit car for physical damage coverage , only liability . So you have to look a little harder to find the right companies to quote with .


Input: When Should You Cancel Term Life Insurance?

Output: That is a great question ! There are a couple of good reasons why you may wish to cancel your term policy . The best would be that you 've paid off early the debt you took the policy out to cover against . It would make no sense to continue paying , at that point . The second would be that it was due to auto-renew , and your premium is about to skyrocket . -LRB- which it does -RRB- cancelling the policy before it becomes unaffordable is wise also . The last would be if you reached a point where you had a whole life policy , or had made other arrangements to provide for your final expenses and your surviving loved ones financially . Again , at that point it makes little sense to pay for a policy . I hope that helps , thank you for asking !


Input: When Should You Cancel Term Life Insurance?

Output: There are two times to cancel your term life insurance . The first is at the end of the term and your premium increases ten fold . Then it is time to cancel and perhaps purchase another new plan . The second reason is when your loved ones no longer need you for financial support . This means no more debt and a nest egg large enough to enjoy the same living standard the loved ones enjoy now without your income .


Input: When Should You Cancel Term Life Insurance?

Output: You may never have a reason to cancel Term Life Insurance . If you are paying a reasonable rate but no longer need the coverage , you might consider changing your beneficiary to a charity or grandchild . You can even convert your Term insurance to Permanent so that the policy never ends . If you got your policy at a young age and in good health , you will never get rates like that again , so think twice before you cancel it . You may even find that a relative is willing to help pay your premiums for you to keep or convert it , so that they do not have to worry about how to pay for your final expenses when you pass .


Input: Can I Buy Motorcycle Insurance Online?

Output: Yes , more than likely you can , just like you can buy many insurance products on line . There are certainly arguments to be made for buying insurance that way and many major companies are including a `` direct line '' purchase option along with the more traditional distribution of products through a local licensed agency force . I know I myself am a licensed Professional Insurance adviser so I am biased , but it seems to me that we need to focus on what exactly we are buying when we make an insurance purchase . Sure , a policy is a document and a price is charged for what it represents , but i am convinced that most of us buy these things expecting that we 'll never have to use them , Hence the natural inclination to buy the cheapest . My opinion is that there are reasons to start your search on line , but talk to your local Insurance Professional for sound advice before buying anything .


Input: Can A Teenager Get Their Own Car Insurance Policy?

Output: A teenager can get their own car insurance , assuming they have a valid driver 's license , meet underwriting guidelines and own the vehicle they wish to insure . However , sometimes , it 's best to place the car under your parent 's policy , to take advantage of many available discounts . As experienced brokers , we can compare and shop the top-rated carriers so you pay less .


Input: How Do I Sign Up For Medicare B?

Output: Unless you chose to opt out when you were first eligible , you will be automatically enrolled in Part B . You will receive information from Medicare and given a choice of opting out . Do not opt out unless you are covered under a group plan . When you receive your card it should have both part A and part B listed . If it does not then call 1-800-Medicare or your local Social Security office and they will make suure you are enrolled .


Input: How Do I Sign Up For Medicare B?

Output: You can sign up for Medicare Part B in 3 ways : 1 -RRB- You can go to Medicare.gov and fill out the online registration . You will be directed to a Social Security website with a form to fill in and submit electronically . 2 -RRB- If you already have Part A , you can call 1-800-772-1213 . 3 -RRB- You can contact your local Social Security Office .


Input: Does Life Insurance Get Taxed At Payout?

Output: The death benefit from life insurance is usually paid out tax free if it is paid directly to the beneficiary -LRB- s -RRB- . If it goes through the estate -LRB- no human beneficiary named -RRB- it will usually be taxed . If you are planning a larger estate , you will want to involve an estate planning attorney , a life insurance agent and a CPA as your advisory team . There are certain situations where you may be taxed if you do not plan well . A big advantage of whole-life insurance is that you can also use it for tax free income before you die . Life insurance is one of the most tax favorable money management tools you have available .


Input: Does Life Insurance Get Taxed At Payout?

Output: Assuming that payout is death benefit proceeds , those generally pass to their designated beneficiarys tax free . There are some business scenarios where death benefit proceeds are subject to the alternative minimum tax as a preference time and could be included as revenue at ordinary income tax rates . There may be estate taxation on the federal and/or state level . Assuming that payout is about distributions : If the life insurance policy is a modified endowment contract , loans are taxable . If the life insurance is a non-modified endowment contract and the policy lapses , is surrendered or the policy reaches its maturity dateall policy loans , -LRB- those received and internal -RRB- are ordinary income tax events is the year they occur .


Input: Does Homeowners Insurance Cover Toilet Overflow?

Output: As a rule no , toilet overflow is a maintenance issue . The only time there may be coverage is if the overflow is caused by sewer backup . Some companies will provide coverage for sewer backup , usually as an endorsement on your policy . Check with your agent to find out if your policy has sewer backup coverage .


Input: Does Homeowners Insurance Cover Toilet Overflow?

Output: Yes , in most instances the ensuing damages would be covered by a standard homeowners policy . Most homeowner policies are considered ` all risk ' meaning that if the loss is not specifically excluded under the policy and it is sudden and accidental in nature , it shall be covered . If there was a problem with the toilet and it malfunctioned causing the water damage , the toilet itself would not be covered but all ensuing water damage should be covered under the policy .


Input: Does Homeowners Insurance Cover Toilet Overflow?

Output: Most homeowners policies have a list of exclusions that apply to property coverages . Among the standard exclusions is that the companies will not pay for losses which resulted from water which backs up through sewers or drains . Many companies offer this coverage as an additional endorsement . Lack of this coverage is a serious shortcoming in many homeowners policies .


Input: Who Does Not Have To Buy Health Insurance?

Output: Who does not have to buy health insurance ? Well , no one has to buy health insurance . You simply pay a tax for your decision not to . Also if you decide not to buy health insurance and you have a need later on you can only buy health insurance during an open enrollment window . So you could be very much out of luck to save a few dollars . Entirely your choice .


Input: Who Does Not Have To Buy Health Insurance?

Output: LOne of the objectives of the ACA was to require all citizens to have health insurance coverage . If you fail to have coverage then you will have to pay a fine . Then if you need health insurance care you are responsible for the entire costs of your treatment . Can you spell BANKRUPTCY ?


Input: Does Medigap Cover The Donut Hole?

Output: The Medicare donut hole is a cost saving measure used by insurance carriers to lower your Part D premiums . It is essentially a corridor deductible that follows the initial cost sharing where you pay a portion of the cost of your drugs and your Part D plan pays the balance . Medigap plans do not cover the donut hole in Part D.


Input: How Can A 17 Year Old Get Cheap Car Insurance?

Output: Teen drivers are among the most expensive to insure , because they have the most tickets and accidents . A 17 year old can reduce her auto insurance by 1 -RRB- comparing prices , 2 -RRB- buying an older car that does not need comprehensive and collision -LRB- full coverage -RRB- , and 3 -RRB- by driving fewer miles in a year . Some kinds of cars are more dangerous and therefore more expensive to insure , so make sure you check insurance rates before you purchase a vehicle . A teen driver may also be excluded from having an insurance policy on his own , so it usually makes sense to join a family policy . You would also want to take advantage of any multi-car or multi-line discounts offered by your insurance company . These would be the same way that any driver can reduce her insurance rates , but for the teen driver it is particularly important to follow these steps . In addition , a clean driving record is paramount . So drive carefully and those rates will go down over time .


Input: Does Auto Insurance Cover Property Damage?

Output: Typically even a liability only auto insurance policy will include property damage coverage . Remember every policy is different . Please read your policy completely to understand the coverage provided and any exclusions that there may be or contact your local agent to have them go over the policy with you .


Input: Is Long Term Disability Insurance Worth It?

Output: Disability Insurance Protect You in the event that you are injured or become sick to the extent that you can no longer perform your work duties . In reality , disability insurance is paycheck protection . Social Security disability benefits can help , but not significantly . Employer sponsored group benefits may have short term disability that can supplement your cash reserves or your emergency money . Disability insurance can protect up to 60 % of your compensation with tax free benefits . If you qualify as a business , you may be able to deductible the premium cost and cover up to 80 % of your compensation , but taxable . There are several excellent long term care insurance companies in the U.S. Which one is right for you may depend on your gender , age , smoking status , health history and current medical condition ? It may also depend on the amount of benefit youre seeking . Using a bidding process based on your needs can help you select the right company . Is disability insurance worth it ? Yes !


Input: What Does A Retirement Plan Consist Of?

Output: A retirement plan can be a deductible qualified or nondeductible non-qualified plan , generally consisting of annuities and life insurance . The retirement plan should have a future estimated year for the beginning of retirement as well as a life expectancy year for death . The retirement plan should reflect the personal financial profile of the plan participant which includes risk tolerance , product suitability and the established timeline as cited above . Product diversity should be a consideration when assigning the allocation of the plans product holdings .


Input: How Important Is It To Have Long Term Care Insurance?

Output: It is important to have long term care insurance if you have assets that you want to protect , if you have loved ones who want the reassurance that you will be cared for if they can not do it , if you want choices in where to receive your long term care services , and if you have the income to pay long term care premiums . If you have no assets to protect or do not have the income to pay for long term care insurance , you probably should not buy long term care insurance .


Input: How Much Is The Maximum Roth IRA Contribution?

Output: The maximum Roth IRA Contributions are as follows : -LRB- under age 50 -RRB- $ 5,500 -LRB- over age 50 -RRB- $ 6,500 IF you are single , and make $ 114k the contribution will begin to phase out up to an income of $ 129,000 which you can not contribute anymore . IF you are married , filing jointly , the phase out begins at $ 96,000 through $ 116,000 which you can not contribute more .


Input: What Is Wrong With Whole Life Insurance?

Output: Assuming this question originates from a negative assertion that -LRB- participating -RRB- whole life insurance is inherently wrong , there is no wrong on a financial basis as a product . It may very well be unsuitable or not economical depending upon the personal profile of the potential purchaser and their financial goals . The annual premium for guaranteed universal life insurance is generally cheaper than whole life insurance , so the difference in premium could be argued as economical . But participating whole life insurance thats designed for tax advantaged supplemental retirement income can be very valuable to a long term conservative saver who seeks returns that can compete with treasuries as an example .


Input: When Do Life Insurance Policies Pay Out?

Output: Well , the obvious answer is `` when the insured dies '' . However , life insurance companies have begun offering living benefits from their products . Many allow an insured who has been diagnosed with a terminal illness to use their death benefit during their lifetime . This allows the insured and their family to use that money to help with medical bills , final expense planning , and any other reason . The insurance company knows that they 're eventually going to pay the death benefit and allowing the insured to use it during their life helps their family . I 'm assuming the question is regarding the death benefit and not the cash value of a life insurance policy . The cash value is available anytime through withdrawals , loans , or structured payouts . Keep in mind that these will impact the death benefit by either reducing it or eliminating it altogether . be sure to consult with an agent you can trust and explore all your options before making a decision that will impact the death benefit .


Input: When Do Life Insurance Policies Pay Out?

Output: Life insurance policies pay the face amount when the person who is insured by the policy dies , or when the policy matures . If the money is paid upon death , it goes to the beneficiary . If it is paid upon policy maturity , the money goes to the owner of the policy .


Input: Does Disability Insurance Pay Medical Bills?

Output: Disability income insurance acts as a replacement for your income if you are injured or disabled and are unable to work . The money comes directly to you . It is your choice to make , to determine how the money is spent . You decide where the money goes , and for what it gets used .


Input: Does Disability Insurance Pay Medical Bills?

Output: Disability Insurance pays you . Its paycheck protection . You in turn use it for your regular monthly bills whether as an individual or business owner . If you didnt deduct the disability premium than the benefits pay tax free , if you did deduct the premium the benefits are taxable .


Input: Does Disability Insurance Pay Medical Bills?

Output: Disability Insurance pays medical bills only if you want it to pay medical bills . Disability Insurance pays you cash if you become disabled . This cash is a % of your normal salary . You are able to use that income to pay any bills or use any way that you desire .


Input: Does Disability Insurance Pay Medical Bills?

Output: Disability insurance can just as easily be called income replacement insurance . While disability insurance is not directly designated to pay for medical bills , it may be used to pay medical bills . As the primary insured , you decide how to use the benefits or money . It can be used for living expenses , medical bills or devices to help during your disability , your choice .


Input: How To Check On Old Life Insurance Policies?

Output: If you know what company the policy is from , just look them up and call . You will be asked to provide a policy number , identify yourself and what you need to know . If you do not know the company name , you can do a search on MIB , Inc. . For a fee , they have the ability to search for Life Insurance policies that have been lost . Here is the website : WEBSITELINK Good Luck .


Input: How To Check On Old Life Insurance Policies?

Output: The insurance policies will have the name of the issuing insurance company on it somewhere . If you have a trusted insurance agent that you work with or know you could ask them to look into it for you . Otherwise look up the insurance company , then contact them and ask for an in-force illustration . They are obligated to provide this to you upon request at no charge . When you receive it you can examine it for the details of where the policy stands currently as to cash value and what the premiums are and if it has an expiration date , etc. .


Input: When Can I Buy Medicare Supplemental Insurance?

Output: If you 're over 65 you can purchase a Medicare Supplemental plan at any time but will be subjected to medical questions and run the risk of being denied coverage . If you 're not quite there yet , you havethe three months prior to your birthday , the month of your birthdate , and three months after your birthdate to obtain guaranteed acceptance into any plan offered in your area . Also , if you are under 65 but have had 24 months of continuous disability benefits under Social Security or Railroad Retirement you can also obtain a Medicare Supplement .


Input: When Can I Buy Medicare Supplemental Insurance?

Output: In addition to the above opportunities , there is an annual enrollment period during which you can apply for a medigap policy without providing medical information . These periods are announced . It is best to careful compare medigap plans as they differ . Rating is based upon a community basis ; issue age rated or attained age rated . Compare before you commit .


Input: How To Estimate Homeowners Insurance?

Output: To estimate the cost of homeowners insurance , ask a neighbor with a similar home . If there is a home built by the same builder nearby you might be able to estimate a premium based upon the relative value of your home and the other home . This is a very rough way to estimate the cost but should help .


Input: Who Can Get On Medicare?

Output: You are eligible for Medicare by one of two ways . The most common entry into Medicare is when you turn 65 . Most folks take advantage of Medicare eligibility at 65 , but if you have good group insurance through your employer you can opt-out of Medicare until retirement without penalty . The other entry into Medicare is via qualifying for Social Security Disability prior to the age of 65 .


Input: How To Sell Critical Illness Insurance?

Output: Selling critical illness is understanding the need through overwhelming statistical information on medical bills resulting from millions of people experiencing a major sickness in their lives . People who have family history or predispositions to disease or chronic health problems are prospects for critical illness insurance . And some sell critical illness insurance as a supplement for high deductible medical insurance .


Input: What Is The Difference Between Workers Comp And Disability Insurance?

Output: What is the difference between workers compensation and disability insurance ? Actually the differece is where you are at the time the disability . Workers Compensation Insurance covers you for at work activities , mainly accidents . Illness with worker 's comp is much harder to prove . Disability insurance is your off the clock , accident AND illness coverage .


Input: What Is The Difference Between Workers Comp And Disability Insurance?

Output: Workers Comp is disability insurance provided by your employer if you are injured on the job . Disability insurance covers you for disability on or off the job depending on the policy . Unless it is tied to your group plan you own your Disability Insurance and you take it with you . Example : Workers Comp would pay if you fell off of a ladder at work and broke your leg . It would not pay if you fell off a ladder at home and broke your leg . A disability policy would .


Input: What Does Dave Ramsey Say About Long Term Disability Insurance?

Output: Dave Ramsey believes that there are 4 must have insurance policies and they are : 1 Life Insurance 2 . Long Term Disability Insurance 3 . Long Term Care Insurance 4 . Homeowners/Renters Insurance . Many people argue about the details of each as well as what company to choose . The bottom line is that there is no set answer for anyone - talk to your insurance agent and decide for you which is the best plan for you .


Input: What Does Dave Ramsey Say About Long Term Disability Insurance?

Output: Dave Ramsey believes in a very simple approach . If possible , pay for mostly everything with cash , save your money , diversify and shop for the best deals . Some of his ideas make great financial sense . Others have been questioned by many experienced and unbiased financial planners . His website should detail his views on long-term disability coverage .


Input: What Is AARP Medigap Insurance?

Output: AARP is a politically active lobbying organization and marketing entity , not an insurance carrier . They currently endorse Medigap -LRB- Medicare supplement -RRB- plan underwritten and administered by United Healthcare . Medigap plans are designed to cover the `` gaps '' in Medicare created by deductibles and coinsurance . All Medigap plans are standardized and vary -LRB- within the same letter -RRB- only by price .


Input: Why Would My Home Insurance Go Up?

Output: The biggest driver of home insurance costs are claims . As the frequency and severity of claims go , so go insurance costs . In addition , insurance premiums have to be adjusted to cover the increasing costs of labor and materials required to rebuild and repair homes . Insurance companies are for-profit organizations who in addition to earning a profit must bring in enough to pay claims or they cease to exist . However , there are many adjustments that can be made in home insurance coverage that will lower costs . You will want to review those options with your insurance professional on an ongoing basis with a regular review of your needs .


Input: How Do You Estimate Renters Insurance?

Output: Insurance policies are typically as unique as the person seeking the coverage . Call a local agent your area , they will normally provide you with a free no obligation quote for the coverage that you areseeking . Renters insurance iis typically a very inexpense prospect . Based on my experience within my geographic area , renters insurance typically runs 8/mo on up .


Input: Does Renters Insurance Cover Theft From Garage?

Output: Usually , yes . Renters Insurance provides coverage for your personal belongings whether they are located in your home or outside of it . So for example if you have a folding picnic table stored in the detached garage located at the property you are renting and it is stolen , you should have coverage subject to your deductible . If on the other hand you are a landscaper and you do not have business property coverage to protect your tools and equipment and someone walks off with your weed whacker , that is business property and the loss probably will not be covered by your Renter 's Insurance .


Input: Who Should Buy An Immediate Annuity?

Output: An immediate annuity is the most efficient way to address the risk of living too long . It provides a high level of income and is guaranteed for the life of the annuitant . This allows a retiree to increase their consumption rate and at the same time eliminate risk . There isnt market fluctuation , nor is there a risk of exhausting capital .


Input: Who Should Buy An Immediate Annuity?

Output: The purpose of an immediate annuity is to establish an income stream that you ca n't outlive . Most people who buy immediate annuities are retired and concerned that their money may run out . While there are variable immediate annuities , fixed annuities are more often used for this purpose . Since interest rates are currently very low , you may want to consider adding an inflation rider on your annuity . The inflation rider will allow for some increases in your monthly income over time to keep pace with rising inflation .


Input: is the new pneumonia shot covered by medicare?

Output: In general , Pneumococcal shots are covered 100 % under Medicare for a one-time shot -LRB- it 's usually only needed once in your lifetime anyway -RRB- . It can be covered more than once , but under certain situations -LRB- such as someone who is considered `` high-risk '' -RRB- . I hope the information is helpful - please feel free to contact me with any other questions and would like to review plan options under Medicare . Thanks very much .


Input: How Much Does Single Health Insurance Cost?

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


Input: Why Buy Life Insurance For Children?

Output: Why Buy Life Insurance For Children ? Great Question . Are you going to contribute towards your child 's future college cost ? Are you interested in giving your kids an head start in life with saving money ? I think the best thing to do is understand the benefits of whole life insurance , or index universal life insurance . When you learn about these two insurance products you will understand their are tax advantages such as tax deferred and tax free withdrawal . When you combine the tax advantages with earning a rate of return on your money while it compounds over the years than you will see why you would definitely buy life insurance for your child . The biggest asset kids have is time . It takes time for money to build over the years , and the real question is how much money do you want working in your child 's favor that 's tax free.Something to really think about . I hope this helps anyone in why they should buy life insurance for their child . .


Input: Why Buy Life Insurance For Children?

Output: People buy life insurance for children so that they can give them a proper funeral if the child should pass away . They buy life insurance for children so that the child can borrow from it to pay for college , wedding , home or other large expenses in the years to come . And perhaps the most common reason people buy life insurance for children is so that they have a policy , in case they would ever become unisurable in the future .


Input: Why Buy Life Insurance For Children?

Output: There may be the occasional need to insure children , but I think the exception proves the rule that it is n't needed . The greater threat to kids is the vast number of the parents in America today who do n't have the life insurance they should have . If you are a family breadwinner with little savings , you need life insurance to cover essentials for your family such as income replacement , mortgage protection , college funding , or final/burial expenses should anything take YOU out of the picture .


Input: Who Is The Best For Renters Insurance?

Output: The Renters Insurance form written by most insurance companies is the Homeowners Form HO-4 which provides coverage for tenants ' personal property , personal liability and various other coverage stipulations . We provide an online format to obtain a quote and buy renters 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 Please obtain a quote and feel free to shop around further for your best option . If you simply seek the cheapest rate for renters insurance , we recommend the minimum personal property coverage , the minimum personal liability coverage and the maximum available deductible ; these selections will generate the lowest premium rate .


Input: Can I Change Medigap Plans?

Output: You can change your Medigap plan anytime you wish and as often as you desire , as long as you can pass the underwriting requirements -LRB- in most states -RRB- . It is not unusual for my clients to save $ 500 per year or more by exchanging Medicare supplement plan F from -LRB- a well known carrier -RRB- to a different plan . We showed one couple how to save over $ 1700 per year by making a simple change .


Input: Can I Change Medigap Plans?

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


Input: Can I Change Medigap Plans?

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


Input: Can I Change Medigap Plans?

Output: Yes , you can change Medigap Plans anytime it benefits you and during anytime of the year . One of the great things about having a Medigap Plan is you do n't have to wait for a certain special time of the year to make a change . You have total control over your Medigap Plan . On the flip side of that , you can also keep your Medigap Plan the rest of your life . The benefits can never change . It is guaranteed renewable which means as long as you pay your premium they can never cancel your plan for any reason . Medigap Plans and rates change all the time so it is a good idea to get a review of your plan every few years . We save people between $ 500 - $ 1,800 per year by doing that review for them and finding the same Medigap Plan for less with another top `` A '' rated carrier . Regardless of what carrier you currently have eventually the premiums will rise . I would be happy to answer any other questions you have .


Input: Where To Buy Cheap Car Insurance?

Output: Start by contacting a local agent . Price is only one part of the coverage equation . You will want to find yourself a local agent that you are comfortable working with as they will be the person that you turn to when you have concerns about your coverage or purchasing of additional coverage and the person that you turn to when you have questions or concerns about billing or claims .


Input: Does Home Insurance Cover Bike Theft?

Output: Yes , under most circumstances a bicycle would be covered if stolen as your other personal property would beup to the policy limits and possilbly less a deductible . Please read your policy completely to understand the coverage offered and any exclusions that it may contain or contain your local agent to have them go over it with you .


Input: Does Home Insurance Cover Bike Theft?

Output: It more than likely would cover such a loss , yes . The settlement would of course be subject to your property deductible unless you have the bike insured specifically on a rider or a stand alone specialty item policy . In order to have such a claim processed as swiftly and fairly as possible , I would suggest having photos of the bike along with any paperwork that came with the purchase and a copy of a police report .


Input: Does Home Insurance Cover Bike Theft?

Output: Bicycle theft would be covered under a homeowners insurance policy . Since your deductible will apply , you may assess the replacement value of the stolen bicycle before reporting the loss . In some cases , clients are unpleasantly surprised when their insurance carrier reports a loss to CLUE -LRB- National Reporting Database for Underwriting -RRB- . It is suggested that your contact your independent agent regarding advice on your specific situation ; an experienced representative should be able to explain the complete claims procedure thus allowing you to make a more informed choice of how to proceed !


Input: What Age Does Health Insurance Expire?

Output: Overall , there is never a `` cutoff '' for health insurance - there is health insurance available to you in one form or another . Individuals under age 65 will generally look at health insurance on the individual marketplace , unless you have an option for group coverage through your employer . For individuals turning 65 and older , you would generally be on/looking into signing up for Medicare Parts A & B. I always recommend consulting with an experienced broker to review your health care coverage and see what programs are available that may better suit your needs . Please let me know if I can be of further assistance . Thanks very much .


Input: Can A Landlord Force Renters Insurance?

Output: the short answer is YES . You are the tenant and agree to abide by the rules the landlord sets out . This may seem a bit arbitrary but your landlord is looking to you to make good on the liabilities you create . For example you have a pet dog that you take out and walk daily . But one day it gets a way from you and bites a fellow tenant and neighbor . In the litigious world we are in the person bitten may take civil action against you and the landlord . Things will be a lot better fro the landlord if you have a way of paying for the damages through your insurer if you caused the loss .


Input: Can A Landlord Force Renters Insurance?

Output: NO they can not force you to have renters insurance but they can choose to not rent to you if you do not get renters insurance . Most renters policies are on average $ 100 a year depending on your state that is with 40K worth of coverage on your contents and 100K in liability coverage . It is well worth the cost and in many cases if you bundle it with your auto insurance it lowers your auto insurance I have seen in many cases it lowered your auto insurance 10 a month and the renters insurance is less then 10 a month so this puts you ahead . Contact a local independent agent and they can help you muddle through what works best for you


Input: Does My Homeowners Insurance Cover Roof Leaks?

Output: The resultant damage from your leak will likely be covered if it is caused by something other than wear & tear . Wear & tear is excluded under most homeowners insurance policies . If lightning strikes the roof and you have an Ho-3 insurance policy , it will cover the damage to the roof and the leak damage . Always check with your independent insurance agent for specific coverage options that your policy has .


Input: Does My Homeowners Insurance Cover Roof Leaks?

Output: There are two parts to this question . Your homeowners policy will cover damage caused by a roof leak if it is the result of a named peril . You should read your policy or consult with your agent to determine if there is coverage . Frequently there is . The second part is the roof itself . If the roof leaked as a result of a named peril it could be a valid claim , however , many insurance companies do not replace a roof , rather they pay the actual cash value of the roof . That is the depreciated value of the roof .


Input: What Does Accidental Life Insurance Cover?

Output: Great question . Life accidental insurance works if you are involved in a car accident or any type of accident and you die the life insurance company will pay you the death benefit . But you have to remember the policy only pays if you die in an accident only . . natural death your family will not get paid .


Input: What Does Accidental Life Insurance Cover?

Output: Accidental Life Insurance only covers death by accident . It does not cover death due to illness or old age . Therefore , accidental life insurance does not cost much compared to regular life insurance , because death by accident does not occur nearly as often as death by natural causes such as illness .


Input: What Does Accidental Life Insurance Cover?

Output: Accidental death insurance provides that if you die from an accident the company will play a benefit . These policies often have provisions for loss of limbs and sight . They are not a substitute for life insurance . Death by accident is very rare and should not be relied upon . Accidental death insurance is often an incentive for a credit card or travel agency .


Input: What Does Accidental Life Insurance Cover?

Output: An accidental death policy only pays a benefit if you were to die accidentally . Most all of these plans are issued without underwriting and are very inexpensive . Some plans double indemnify if you die accidentally on a common carrier such as a plane crash . The odds of dying accidentally are far less than dying of an illness or just old age , thus why the premiums are so inexpensive .


Input: What Does Accidental Life Insurance Cover?

Output: There really is not a type of life insurance called Accidental Life insurance , although that is not a bad title because many people who buy it `` accidentally '' believe that it is Life insurance . Accidental Death insurance is a policy that will pay the beneficiary if the insured person dies as the result of an accident . Accidental death is death `` caused by an unforeseen circumstance unrelated to the body '' . Therefore , an accidental death policy would not pay , e.g. , for a traffic fatality that occurred due to a heart attack while driving .