Input: What Is The Cash Value Of Life Insurance?

Output: Cash value in life insurance is the amount remaining after you submit your premium payment to your insurance company and the carrier takes out any cost of insurance and mortality & expense charges . There is no exact figure for it as it will vary by policy - your face amount , length of coverage , risk class , premiums , and other factors go into the calculation . The cost of insurance/mortality & expense charges on permanent policies will vary from carrier to carrier as well as whether the policy is a Universal or Whole life policy . The cash value can be borrowed against -LRB- acting like a loan with interest rates and the expectation to be paid back - when not paid back , the outstanding balance of the loan is deducted from the death benefit and the beneficiary receives the difference -RRB- , or pay your premiums for you .


Input: Does Chase Bank Offer Life Insurance?

Output: As with most of the large , national banks , Chase can offer to sell life insurance from a range of highly rated life insurance companies through their employees who are investment brokers or advisers with a life insurance license . It is not their main focus as might be inferred from their method of delivery . You could also shop around locally for others including credentialed life insurance professionals and decide which will will provide you with the best support for your specific life insurance needs .


Input: Who Should Own A Life Insurance Policy?

Output: The owner of the policy is in control of the policy . The policy is the property of the owner . The owner need not be the insured . The owner can name the beneficiary . The owner need not be a natural person but can be a trust . There are situations where certain portions of the death proceeds can be included in the estate of the deceased for estate tax purposes . To avoid this ownership is often placed with another party or trust . It is also possible that the owner might be required to act when the insured is not capable .


Input: Who Should Own A Life Insurance Policy?

Output: There are a lot of things to consider when naming the owner of a life insurance policy . The most common is the insured , which is usually the payer as well . The next to be named owner would be the payer iftheyare different than the insured . If a company is paying for a buy/sell life insurance policy or key man , then the company should be the owner of the policy . Finally , if the insured is disabled , incapacitated or elderly in bad health a care giver or guardian should be the owner of the policy .


Input: Who Should Own A Life Insurance Policy?

Output: Life insurance should be owned by anyone with a family or business , which has any current financial liabilities , future obligations or wants to make a difference through legacy or charitable giving . Permanent life insurance should be owned by anyone who is seeking tax advantaged supplemental retirement income that has a long term commitment to keep the permanent life insurance policy in force for the life of the insured .


Input: Who Should Own A Life Insurance Policy?

Output: There are many different possibilities when considering ownership of life insurance . Parent/Guardian -- if a child is not yet of legal age , a parent or guardian could be an owner of the policy . Self -- the primary insured could also be the owner , and this is quite often the case of most adults . Spouse -- the spouse could be the owner and also the beneficiary of a policy on their spouse . This allows for complete control of the policy , so in the event of something like divorce , the insurance could remain in force without the ex changing beneficiaries . Trust -- there are different types of trusts which could be an owner of a life insurance policy . For example , an ILIT -LRB- irrevocable life insurance trust -RRB- could own a policy for estate settling purposes , so it would n't be altered by anyone while the primary insured is still living . Also , a trust is common for minors . Business -- a business might be the owner of a policy on it 's owners in a Buy/Sell agreement . Business Owner -- the owner may be owner of a Key Man policy . Interested Party -- any other person who might have some sort of insurable interest on someone could be an owner . For example , if a person took a loan from an entity , the entity could have insurance on the borrower , to ensure they get their money back should the borrower pass prematurely . There are many situations in which the ownership of a life insurance policy could differ . Each situation is unique .


Input: Who Should Own A Life Insurance Policy?

Output: If life insurance is for estate purposes , it should be owned by a trust . If the life insurance is in a pension plan , it is own by the company trustee . If life insurance is part of Captive Insurance planning , then it could be owned by an outside entity or it could be owned by the Captive . If the life insurance is for business purposes , then either the business or a combination of the business and the insured are usually the owners/joint owners of the policy . Sometimes a trust will own those policies as well . For life insurance between husband and wife , ownership always depends on individual circumstance .


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

Output: In Canada being vested in you retirement plan means that you have `` ownership '' and can take the funds with you when / if you leave the employ of the company . What you can do with the funds depends on the type of plan and your age . For example you may be required to transfer into a locked in registered plan or you may be permitted to transfer into a regular registered plan . In some circumstances you can cash in or surrender with tax consequences of course . You company benefits person should be able to provide assistance . If you fee I could be of assistance , please contact me .


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

Output: To be vested in your retirement plan means that you would be able to take those retirement funds with you when you left your job , or collect them upon your retirement . Once you are vested in your retirement plan , those funds belong to you . You can be partially vested or fully vested , meaning you can take part or all of the funds , proportionate to the percent you are vested .


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

Output: The vesting period of a retirement plan is generally tied to your employment tenure . In a 401 -LRB- k -RRB- defined contribution retirement plan , employers may match part of your contribution . But the vesting schedule only permits a portion of the employers match to transfer with the employee if they seek employment else where . When you 're interviewing for a job , make sure you know the vesting schedule , especially if it is promoted by the employer as a significant benefit . If you leave too soon , it could become basically worthless


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

Output: To be vested in your retirement plan means that you can take that money with you when you leave your place of employment , or that you will receive it when you retire . If you are vested for a percent of your retirement plan , that type of vesting is called graded vesting . If you left the company , that percent is how much you get . With cliff vesting , you usually need to stay 5 or more years to get any benefits . If you stay the required number of years , you are 100 % vested and get all that is in your retirement plan . If you have a 401 -LRB- k -RRB- paid for by your salary , you are immediately 100 % vested in the part you paid for . Vesting for the part contributed to your 401 -LRB- k -RRB- by your employer goes by the vesting guidelines set up by your employer .


Input: How To Find Out Who Has Life Insurance On You?

Output: Great question ! The only way someone can take out a policy on you is if they have what is called an `` insurable interest '' . That means , they will have to suffer a loss , if you were to pass . A stranger , or someone that you just met could not , as there is no loss for them if you were to pass . If you do not remember signing off on an application for the insurance , the only way there could be a policy for you is if it was written while you were a young child . It would have to have been written by a close family member , -LRB- parents or grandparents in most cases -RRB- and you should be able to find out if you were to ask them . There are places that you can pay a fee to , and they will look for you , should no one be able to answer your questions . I hope that helps you , if you have more questions , please contact me , I 'm happy to help . Thanks for asking !


Input: How To Find Out Who Has Life Insurance On You?

Output: Merry Christmas . IF the insurance was taken out while you are an adult , you have to sign off on the application as the insured . If this is the case , be sure you understand whey the insurance is being taken out , who the owner will be and details like is there going to be cash value , how much is the death benefit , etc. . If you do not recall or a policy was taken out while you were a child , you can go to MIB.com , click on the link for finding a lost policy . Good Luck .


Input: How To Find Out Who Has Life Insurance On You?

Output: You can ask your parents or grandparents . If they do not have life insurance on you , and you have not signed an application as the Insured for anyone else , it is doubtful that anyone has a policy on you . Life insurance requires the consent of the insured person , if the Insured is an adult . And that consent nearly always requires that the Insured signs the application .


Input: When Is Home Warranty Insurance Required?

Output: Home Warranty is not required but I highly recommend it . Home Warranty is different from homeowners in that it can cover to fix or replace equipment in your home such as your HVAC Systems or pool equipment . In most cases the warranty company will continue to fix the item before replacing and this process can be extremely time consuming and frustrating . Be sure to research the companies so that you can get a good idea of how they treat these claims


Input: What Is The Texas Health Insurance Exchange?

Output: The Texas Health Insurance Exchange was created to give Texas residents the opportunity to purchase affordable medical coverage from the top insurers in the state . Open Enrollment will begin October 1 -LRB- 2013 -RRB- and policies will be effective in 2014 . Texas consumers can buy single , family and small business healthcare through the Exchange or with the help of experienced licensed brokers -LRB- and websites -RRB- . The new federal tax subsidy could possibly reduce premiums for persons that qualify . The `` Federal Poverty Level '' will be used to calculate eligibility and amount of the subsidy . Licensed and/or experienced brokers can also assist with this calculation .


Input: Is Azilect Covered By Medicare?

Output: Azilect is a medication that is covered under Medicare Part D -LRB- Prescription Drug Plan -RRB- . You have to be enrolled in Original Medicare to get a Part D plan . You can also enroll in a Medicare Advantage Plan -LRB- like an HMO or PPO -RRB- that includes Part D prescription drug coverage . Any drugs that are covered under Part B -LRB- Medical insurance -RRB- are ones that get administered in a doctor 's office -LRB- injections -RRB- , certain oral anti-cancer drugs , drugs used with some types of durable medical equipment -LRB- nebulizer or external infusion pump -RRB- . Sometimes drugs are covered under very limited circumstances -LRB- certain drugs in a hospital outpatient setting -RRB- . Since it falls under Part B , you pay the 20 % of Medicare approved amount , and the Part B deductible applies . If you feel like you need help paying for your Medicare prescription drug costs , you can contact Social Security -LRB- 1-800-772-1213 -RRB- to apply for Extra Help . According to CMS , Extra Help is a `` Medicare program to help people with limited income and resources pay medicare prescription drug plan costs , like premiums , deductibles , and coinsurance . ''


Input: When To Stop Paying For Disability Insurance?

Output: You should stop paying for disability insurance once you have enough savings to pay all your ongoing bills without an income . These bills might include your mortgage , real estate taxes , car payments , credit card debt , insurance premiums , groceries , utilities , and more . Many people never reach this point . They live check to check with little savings . The premiums for the policy may put a dent in your lifestyle , but you never know about tomorrow .


Input: Who Is The Trustee Of A Retirement Plan?

Output: The trustee is the named individual or individuals that hold the assets of a trust . In the case of a pension this is the trust that is designed to provide future retirement benefits . The trust accumulates money to provide future benefits . Depending upon the type of pension plan the actions of the trustee come under close scrutiny .


Input: What Is Home Insurance Rider?

Output: A home insurance rider is available from some companies . It allows for increased coverage limits , particularly for personal property . It is a way to buy back coverage that has been excluded or limited in the homeowners policy . It meets unusual needs . If selected it is added to the homeowners policy at an additional cost .


Input: What Does Home Title Insurance Cover?

Output: Home title insurance covers the expenses that could result if the title on your home is not clear . A `` non-clear '' title happens when older transfers of the title are done improperly or mistakenly . An example of being done improperly is when one person sells an entire property in fee simple , but he only owned fifty percent as a tenant-in-common . An example of being done mistakenly is recording a deed that fails to mention an easement . In order to resolve these issues you need to hire an attorney to go to court and clear the title . Title insurance will cover costs to clear the title .


Input: Will Car Insurance Ever Go Down?

Output: I would say that it is unlikely , but there is always the possibility that it will . The more people that purchase car insurance typically the less it will cost per individual . If every licensed individual would purchase auto insurance we would not require uninsured motorist coverage which would lessen every ones total auto insurance rate immediately .


Input: What Is The Best Life Insurance To Purchase?

Output: The best life insurance to purchase is that which you can afford and which best meets your particular needs . If the premium is so high that you can not afford to pay it when the first car repair comes along , then that is not the best policy for you . If you are a healthy 70 year old buying 10 year Term life insurance to pay for your funeral , that is not the best policy for you . Visiting with a professional life insurance representative will help you find the best life insurance to purchase . Unfortunately , there is no other good answer , but the good news is that if you do n't like talking to insurance agents , you can do it by phone or email .


Input: How Do You Qualify For Term Life Insurance?

Output: Depending upon the amount of death benefit you are applying for -LRB- from low to high -RRB- the answers to your question may run from `` being able to fog a mirror , sign and pay '' to `` a physical exam with lab work and a review of medical records required '' statement . A $ 10,000 term life policy presents far less risk to the insurance carrier than a $ 1,000,000 term life policy does . So , you qualify for coverage under the policy and underwriting provisions in effect for the term life insurance product you are purchasing . Depending upon whether the policy is group or individual , for smaller term life amounts -LRB- e.g. - $ 5000 to $ 50,000 -RRB- the coverage might be guaranteed issue -LRB- no medical questions -RRB- or simplified issue -LRB- a few yes/no medical condition questions that determine if the policy is qualified for or denied -RRB- . Generally cheap and not that hard to get . For term life insurance with high face value amounts -LRB- e.g. - $ 1 million -RRB- then the applicant should expect to have to go through virtually the same application process from a medical exam perspective as they would with a permanent life insurance policy . This would almost certainly entail having your height , weight , general appearance and answers to some medical questions noted as well as having blood and urine specimens taken . A more comprehensive physical exam could be required . Once you have passed or largely passed the medical and other criteria applied in underwriting a large value life insurance policy , the life insurance carrier 's original offer is either finalized or a counteroffer/withdrawal is made proposing revised rates and/or benefits for coverage to that individual in light of their risk profile . Once you have formally accepted an offer or counteroffer and submitted your first month 's premium then you are issued a policy .


Input: How Do You Qualify For Term Life Insurance?

Output: All life insurance policies require some underwriting information . It could be as simple as a couple of question to as complex as medical tests . The purpose of the medical information is to determine if you fall within the range of health that was anticipated by the actuary when the standard insurance premium was determined . Of course the companies are much more cautious when large amounts of insurance are involved .


Input: How Do You Qualify For Term Life Insurance?

Output: That is a great question ! In most cases , there is a simple application , and possibly a short telephone interview . The standard prescription and medical history inquiries will be made also . For larger face amounts a para-med exam may be ordered , in which case you can expect drug screens , blood and/or urine and/or hair samples , along with heart and blood tests . There may be more or less of these done , according to your answers and the companies standards . I hope that helps , thanks for asking !


Input: How Do You Qualify For Term Life Insurance?

Output: How you qualify for term life insurance depends on the type of policy you apply for . If you apply for a guaranteed issue policy , you only have to be within an age range and apply for an allowable face amount . If you apply for simplified life insurance , you usually need to answer a limited number of health questions and do a phone interview . With a medically underwritten policy , you must pass a free life insurance exam . The underwriter may also review your medical records to determine if you fit the health guidelines to get that type of policy .


Input: How Do You Qualify For Term Life Insurance?

Output: There are several indicators that an underwriter will look at to determine your qualifications to purchase term life insurance . The underwriter will look at your age , build , health status , life style , occupation , income and finances to determine how much life insurance you may qualify for along with the length of term and premiums or rate to be paid .


Input: Is Disability Insurance Covered Under Cobra?

Output: Unfortunately , Disability Insurance is not covered under Cobra , along with life insurance . If you or a family member are already receiving Disability benefits through your insurance policy , it may be possible to get an extension to cover you until you can get on Social Security Medicare due to your disability .


Input: Is Disability Insurance Covered Under Cobra?

Output: No , unfortunately , Disability Insurance is not covered under Cobra . Only Health Insurance is covered under Cobra . If changing jobs , you will need to get a new Disability Insurance policy through your new employer , or purchase one on your own . If you are between jobs and not yet earning an income , you are not able to qualify for Disability Insurance at this time .


Input: Is A Tree Falling Covered By Homeowners Insurance?

Output: It depends . Where does it fall?What caused it to fall ? A tree struck by lightning is typically covered . A tree that falls due to wind is not covered unless itlands onyour property such as your home or auto . If it lands in your yard and causes no damage , there is no coverage for the tree itself . Your healthy tree that lands on your neighbor 's house is covered by their homeowners insurance not yours . Prior to making a claim , you should always talk to your trusted insurance advisor to verify your coverage .


Input: Is A Tree Falling Covered By Homeowners Insurance?

Output: Generally speaking , real property damaged caused by a tree or portion thereof is covered under your Homeowners ' policy . If it is on your house , the coverage would be subject to your contract deductible of course . If it is YOUR tree , that you know has been dead or diseased and you have not done anything to mitigate the situation , and as a result , the tree falls on your neighbor 's house , then you are held responsible and the coverage would come from the Liability portion of your Homeowners ' policy . As always , it is best to ask your insurance professional about your particular situation .


Input: How Much Is Car Insurance For A 17 Year Old Female In California?

Output: In California the sex of the driver does not play a role in the price of car insurance . The year make and model of the car are important , as is the annual mileage of the vehicle . The driving record of every driver in the household is very important and the years of experience as a driver are also very important . These factors illustrate that the rating is complex and you should meet with a trusted insurance agent to guide you through the process .


Input: What Does Medigap Insurance Cost?

Output: The cost of Medigap insurance is calculated based on different factors . Base rates are calculated using your age , gender , zip code and plan . In some situations additional charges may apply if you use tobacco or if you are overweight . Medigap plan F is the most popular . Costs will vary widely based on the carrier you choose .


Input: Does Medicare Pay For Breast Reduction?

Output: Medicare will pay for breast reduction to relieve the pain caused by the conditions of macromastia or breast hypertrophy . A reduction mammoplasty will be OK 'd by Medicare if medically necessary as shown by non-surgical methods failing to alleviate symptoms , and the condition being present for at least 6 months .


Input: What Does Long Term Care Insurance Pay For?

Output: Long term care insurance can pay for A LOT , including the following : home health care , assisted living facility care , nursing home care , adult day care , personal care -LRB- Activities of daily living assistance -RRB- , homemaker services , hospice services , respite care , etc. . The need for long term care can occur due to aging , disease or even an accident . According to the 2014 U.S. government Medicare handbook , 70 % of Americans who reach age 65 will need long term care and support at some point in their lives .


Input: I know a person who has taken ownership of a life ins policy without the original owners permission, is this legal?

Output: That is a very interesting question ! Legally , the only way that ownership of an insurance policy can be transferred from one person to the next is if the original owner has done so by completing paperwork with the insurer , and signing it over to the next owner . If there is some debate over whether this has been done ethically or legally , then I 'd start by finding out whether the original owner was aware of what they were doing . If the original owner did so under duress , or was not mentally competent -LRB- maybe suffers from dementia or Alzheimer 's , for example -RRB- to make that decision , then there might be grounds to have the insurer legally cede ownership back to the original owner . If the owner signed it over and did so in their right mind , and freely , no matter how much you may dislike the idea , it will be virtually impossible to undo . I 'm sorry if that 's not the answer that you were hoping for , but I 'm glad that you asked.Thank you for doing so , and I hope that it works out for you .


Input: I know a person who has taken ownership of a life ins policy without the original owners permission, is this legal?

Output: Absolutely not legal . The owner of the policy is the one with all the power to change the policy . In order for someone else to take control of the policy the owner would have to give their permission in writing . That form would be on file with the insurance company . If you feel the change was done in error or fraudulently you would need to have the original owner contact the insurance company . If they will not respond , which is possible , then a call to your state insurance complaint department will help .


Input: I know a person who has taken ownership of a life ins policy without the original owners permission, is this legal?

Output: There could be confusion about ownership . The owner of the policy can be someone other than the insured . For a variety of reasons the owner of the policy could be a former spouse for example . An insurance company must respond to the owner of the policy , unless the owner is deemed incompetent . In the case of incompetency , the court appoints a conservator . The conservator acts on behalf of the owner of the policy but must the actions of the conservator are under the scrutiny of the court .


Input: I know a person who has taken ownership of a life ins policy without the original owners permission, is this legal?

Output: An owner can not be changed on a life insurance policy without the legitimate signature of the original or current owner . If forgery is involved it will not stand up in court if challenged . Just be sure you are not confusing the owner of the policy with the insured on the policy . It does not necessarily have to be the same person . For example , if the policy was written on a minor child , the parent would be an owner even years later if never changed . The only exception to an owner not signing over policy ownership is court ordered incompetence . Then someone with power of attorney could transfer ownership of the policy and it would stand in court .


Input: I know a person who has taken ownership of a life ins policy without the original owners permission, is this legal?

Output: There is legally no way to take ownership of a life insurance policy without the current owner 's permission . As others have stated , there may be confusion as to who actually owned the policy . Or perhaps the formed was forged , which is illegal . Hopefully you can get to the bottom of this .


Input: Why Have Medicare?

Output: Medicare Part A is automatic and `` free '' for most individuals . If you have lived in the US for the last 5 years and are a citizen or legal resident , Part A is normally available at no charge if you have at least 40 quarters of Social Security wages . If you are 65 and refuse Part A you may forfeit your SS benefits .


Input: What Kind Of Insurance Do I Need For A Home Daycare?

Output: That depends on your state laws . I would recommend that any one that is looking to run a day care have commercial liability policy for the day care and have an umbrella policy on their personal lines . To ensure that you are covered properly for the day care operations you should meet with a local agent to discuss the business so that they can provide recommendations to help prevent you from being exposed tomany liability exposures .


Input: Does Family History Affect Life Insurance?

Output: Some life insurance companies consider the health history of parents and siblings for the Preferred or better ratings , while others only look at parents . Some look at diabetes , cancer , heart disease , and other conditions . Others only look at heart disease . One ore more relatives passing from one of the considered conditions before a certain age -LRB- usually 60 or 65 -RRB- will usually have more an impact than one or more of the relatives having that condition but surviving beyond age 60 or 65 . Some will disregard family history if the applicant has outlived the parent who passed from that condition .


Input: Does Family History Affect Life Insurance?

Output: Yes . Family history is one of the qualifying factors for Preferred underwriting rate classifications at most insurance companies . The details are important and vary widely between insurance companies . The specific family history may exclude someone from qualifying for Preferred rates at one company but not another so it is important to work with an independent life insurance professional with access to a wide variety of companies who will offer to find the best fit based on your facts and circumstances .


Input: Does Family History Affect Life Insurance?

Output: Usually it effects the uber upper classifications when applying for a policy . Your parents health history is factored into the super preferred class . Why ? good question . For a short period of time the aspect of genetic testing in regards to the purchase of life insurance was kicked around . The thought that through a genetic sample an insurance company could questimate the risk of certain illness and price accordingly . While on the surface this seemed OK , the underlying problem was as simple as pricing somebody who has the genetic marker for cancer who has never had cancer . If they never get cancer , which is always a possibility , were they fairly underwritten ? Genetic testing quickly was banned from life insurance testing . The asking about parents health history I believe , is one the few ways an insurance carrier can get as close to genetic testing as the law allows .


Input: How Do I Insure A 2nd Home I Bought To House My Elderly Parents?

Output: -- > Normal 0 I suggest a different approach to addressing this situation . The only way you could obtain homeowners coverage on a house you do n't live in is to be less than candid on the application . If a problem occurred , you may find yourself and your parents without any coverage . To be eligible for most homeowners policies , a dwelling must be owner - occupied . The policy only covers the dwelling on the residence premises . If the named insured -LRB- you -RRB- dont reside there , the insurance company could deny your claim . Some insurers however will issue homeowners coverage to an insured -LRB- s -RRB- who has a life estate in a property . You could own the property ; grant a life estate to your parents . They could obtain homeowners policy naming them as insured -LRB- s -RRB- and you ; the owner of the property could be included as an additional named insured for your interest in the dwelling and the personal liability insurance . There is a standard endorsement available for that specific purpose . Your parents would be covered for their personal property , additional living expense and personal liability . You would be covered for damage to the dwelling and liability for injury or damage to others arising out of your ownership of the property . In my opinion , this would be the most practical , effective and economical way to address this kind of a situation . It is probably more common than you think .


Input: How Do I Insure A 2nd Home I Bought To House My Elderly Parents?

Output: I would urge you to first call the agent who sold you the homeowners insurance on your first home . That agencycan best advise you on how to insure a second home from a wholistic basis knowing that your liability exposure has increased as well as you property damage exposure .


Input: How Do I Insure A 2nd Home I Bought To House My Elderly Parents?

Output: Its really no different then insurance your first home other then the coverage 's are slightly different and how the risk is rated . Best to contact your existing agent to see if they have the ability to quote the second home as often times the liability from your primary will extend to your secondary home .


Input: How Much Is Health Insurance For The Unemployed?

Output: Enployed or unemployed the premium is based on age , sex , smoking or non-smoking , and where you live . However , through the healthcare marketplace you might get subsidies based on your projected income for 2014


Input: How Does The Deductible For Health Insurance Work?

Output: The deductible for health insurance is one way that insurance companies use to keep their prices low for the consumer . The insurance company may decide that some or all benefits must be paid by the insured up to a certain level before they begin to pay for the services . This level is called the deductible . Usually the deductible applies to emergency room visits and hospital stays , but sometimes it can include office visits , lab work and other types of procedures . It 's important to know what is included in the deductible before you purchase a plan . The deductible is often listed as two numbers separated by a / . The first number is the deductible for any individual member of the plan . The second number is for the entire family . Once this amount has been reached , the insurance company will pay the claims as listed on your plan .


Input: What Are Common Exclusions For Homeowners Insurance?

Output: Good question . Typical homeowners exclusions are flood , wear & tear , intentional acts and mechanical breakdown . Many policies will have exclusions for trampolines , water damage , wind exclusions , etc. . It 's very important that you check your individual policy for your specific exclusions . Usually towards the end of the policy you will see the exclusionary endorsement list . If you have any questions I would contact your independent insurance agent that holds the policy .


Input: What Are Common Exclusions For Homeowners Insurance?

Output: Common exclusions in homeowners coverage range from the obvious that are in every policy such as acts of war are not covered to the specific exclusions for flood , foundatation and illegal acts . Most policies can be written with specific endorsements to address risks that are not common to all policies . Consult with an insurance agent for details on exclusions and endorsements . Keith Prim - Farmers Insurance - Dallas , TX 214-435-0791


Input: What Are Common Exclusions For Homeowners Insurance?

Output: There are two basic approaches in designing a homeowners insurance policy . The first is to specify the perils that are covered . These almost always include fire . Only those perils mentioned are covered . The more popular policies today are all-risk meaning that the policy covers all perils except those that are excluded . The list of those excluded is not short ! Even though they arent excluded there are categories of property that have special limits . You should review those carefully . Then the excluded list includes things like , business activities -LRB- multi-level marketing , -RRB- motorized vehicles , animals -LRB- pets , -RRB- insects -LRB- termites , -RRB- aircraft , property of boarders , trees pants etc. , certain electronic devices , credit cards , EDP equipment that can not be replaced , There are also severe restrictions if the house is vacant , There isnt coverage for the weight of snow , continuous seepage or leakage , building settling , cracking etc. , birds , vermin , rodents , smoke .


Input: What Are Common Exclusions For Homeowners Insurance?

Output: The two most common exclusions found in Homeowners insurance policies have to do with damage caused by two elements : earth and water . An exclusion for damage caused by earth movement is pretty common . Earth movement can be anything from earth quake , to sink hole or erosion or the like . In many cases , coverage for this may be able to be endorsed onto your policy . Coverage for damage caused by flood is a common exclusion and this protection is only available by purchasing a Flood Insurance policy .


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

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


Input: When Does A Person Need Life Insurance?

Output: It is really not the person being insured who needs life insurance . Rather , it is those they leave behind . If you have dependents who would suffer financially if you were to pass away , you probably need life insurance . If you owe money that your dependents would have a hard time paying off , you probably need life insurance to pay off that debt or mortgage . Many people feel they have their affairs in order without the need of life insurance . The problem is , disasters or tragedies can chip away at those funds , and what you had hoped to be there , can be depleted before death occurs . That is where having at least some life insurance is necessary for most people .


Input: What Is A Personal Retirement Plan In Which Earnings Are Taxed At Withdrawal?

Output: All qualified retirement plans are taxed as ordinary income upon withdrawals or distributions . Non-qualified annuities with gain distributed first are taxed as ordinary income . A Modified Endowment Contract life insurance policys distributions with gain distributed first are taxed as ordinary income . All of these distributions are also includable for the provisional income test for Social Security benefit taxation .


Input: Where Can I Withdraw My 401K?

Output: That is a great question ! I 'd need to know a little more information about why you want to withdraw or close it out , before I 'd feel comfortable telling you to do it . There are very large penalties for early withdrawals from your 401k , and if you are counting on a certain amount , unless you are in your 60 's , please count on that amount being reduced by about a third , after taxes and penalties . 401k money looks good , but taking it out for something other than its intended use is costly . If you would like to proceed anyway , contact your plan administrator , and they will give you the forms to fill out . I can not say strongly enough to speak with an advisor before doing this , for any reason other than starting your retirement income . Thank you for asking !


Input: Is Disability Insurance Good?

Output: Disability Insurance is a good part of a solid financial profile . That is because disability insurance protects your income , without which you have no finances to save or invest . Suffering a long term disability can be devastating , but with disability insurance , you will receive partial income replacement so that you can get through it with fewer scars .


Input: What Is The Medicare 72 Hour Rule?

Output: One Medicare 72 hour rule is the rule that dictates that you must spend at least three days , or 72 hours , as an inpatient in the hospital before you can be discharged to a Medicare bed in a skilled nursing facility . This means three consecutive nights after being formally admitted as an inpatient . Inpatient status may not necessarily begin the first night spent in the hospital . Another Medicare 72 hour rule relates to billing . It states that services receives 72 hours before a hospitalization must be bundled into one bill .


Input: Where Can I Get Health Insurance In Florida?

Output: Good Question , You can acquire health insurance a number of ways such as online or contact an agent or broker such as myself that can help you understand what is available to you and help you enroll in a plan . A broker can educate you on all your options .


Input: Is Being A Life Insurance Agent A Good Job?

Output: Life Insurance can be a highly rewarding and profitable career . That being said it can also be frustrating . It takes a lot of hard work and long hours to get started . You have to be willing to show people how to solve problems that life insurance can help them with . You have to understand that a life insurance career is a marathon , not a sprint . It takes time , money , and a willingness to learn . You have to like people and be willing to put their interests first . Life insurance is a great career for the right person .


Input: Where Can I Work Part Time And Get Health Insurance?

Output: Many employers offer part-time job positions . However , often , part-time employees are not eligible for benefits under the master group health insurance plan . It 's possible that some employers may have a stripped-down option or you can shop online through a reputable website to find an affordable policy . An experienced broker can easily help you .


Input: Does Auto Insurance Pay For Repairs?

Output: Auto insurance will typically cover for repairs to a vehicle caused by an accident that you are deemed resposible forifyou havecollision or other than collision coverage less the deductible . If you are not deemed at fault in the accident then typically the liability coverage of the auto insurance policy of the person deemed at fault would typcially pay for the repairs for the vehicle caused by the accident . If the person deemed at fault does not have insurance coverage then your Uuninsured or underinsured coverage -LRB- if you have them on your policy -RRB- would typically cover the loss . Please read over your policy completely to understand the coverage provided and exclusions that there may be .


Input: Does Auto Insurance Pay For Repairs?

Output: There are repairs that are caused by fair wear and tear , such as a sticky transmission . These repairs are not covered by auto insurance . There are accumulated dings and dents to the body of the vehicle and while these could be a claim , the deductible usually discourages reporting these losses . An auto policy covers you when as a result of an accident there is damage or if there is some other event , such as a falling tree that damages your vehicle . In those cases you should file a claim .


Input: Can A 90 Year Old Get Life Insurance?

Output: While a 90 year can apply for life insurance with a number of companies , it is very expensive and difficult to qualify at that age . Up to age 85 , seniors can still get final expense policies with no exam or medical records . These are offered in very low face amounts so that even an 85 year old can afford them , and health questions are fairly lenient . At age 90 , the minimum face amount is higher , and the underwriting requirements are very extensive . It is certainly possible , and an agency that is skilled with both senior life insurance and health conditions can save you a lot of money . But it is a process that takes pretty good financial health , along with mental and physical health , to succeed at .


Input: Can A 90 Year Old Get Life Insurance?

Output: There are several life insurance companies that issue to age 90 . Here are just some of the bigger players : American General , Aviva , AXA , Genworth , ING , John Hancock , Lincoln Benefit Life , MetLife , Minnesota Life , New York Life , Principle National , Prudential , security Mutual of NY and Transamerica . Not all products issue to age 90 , but the list identifies at least one product .


Input: Does Life Insurance Vary By State?

Output: Yes , life insurance rates vary by state ; however , the difference is not significant . The premium for existing life insurance remains the same if you move to another state . It probably isnt worth the cost of gas to cross a state line to purchase life insurance . If the life insurance policy results in a death claim the amount paid to the beneficiary will normally exceed the premiums paid !


Input: Does Life Insurance Vary By State?

Output: With the exception of a few states , most noticeable New York , life insurance rates vary little from state to state . Each carrier is required to file in every state that offer their product lines . Life insurance is priced predominately on actuarial science , but certain state require great reserves which , in turn , increase the cost of life insurance to consumers .


Input: Does Life Insurance Vary By State?

Output: Yes . Each state has it 's own department of insurance and sets it 's own requirements or compliances for all policies sold inside their particular state . Some states may look almost identical to other states requirement wise . Others like New York for example have very NY state specific rules that often require insurance companies setting up companies inside NY state . You might find ABC Insurance Carrier doing business in 49 states an ABC Insurance of New York doing business there . The state that I work in also is considered a pretty restrictive state for insurance companies . Restrictive is n't necessarily a bad thing . The idea is done with consumer protection in mind . For my state , it means new plan approval is much slower than other states , but the flip side of that is if a problem with a plan occurs , it usually has n't hit the `` streets '' in my state yet , so the consumers avoided a problem that way .


Input: Does Life Insurance Vary By State?

Output: There is not a huge difference in life insurance premium variance from state to state or even zip code to zip code . Life insurance premiums will vary more on health status and lifestyle factors much more than the state in which one resides . One 's health history and whether one eats right and exercises regularly will effect life insurance numerous times over .


Input: Does Life Insurance Vary By State?

Output: Prices for life insurance do not usually vary by state within the same company , but they can . Life insurance is regulated by states , so states can and do vary in what products , and features of products , that they approve . That is why you may be able to get one product , rider or price in one state , but not be able to get it in another .


Input: Does Life Insurance Vary By State?

Output: When states try to be unusually restrictive they often penalize the insurance consumers in that state . For example , a few states do n't allow different rates based on gender . When that happens , most life insurance companies simply charge females the male rates . It penalizes the females around 20 % compared to what they pay in other states . New York 's restrictive requirement on insurance companies raises a lot of money for the state but greatly limits the consumer choices to just a few . Many products are not available to them that they could buy if they moved to any other state . Kentucky 's law about no new contestable period on replacement policies does protect consumers but it also causes some companies to choose not to offer products in that state . State insurance laws can be a double edged sword .


Input: Where Is The Best Renters Insurance?

Output: Where we may find it difficult to define ` Best ' Renters Insurance ; we believe the best renters insurance would be the most comprehensive coverage for a competitive premium rate . We believe in most States , this coverage lies in the hands of Renters Insurance Online available through Stillwater Insurance Group . We have an Online Link for consumers to obtain a quote , choose options and purchase the insurance policy online . If the definition of ` Best ' is ` Cheapest ' ; the easiest method to generate a Cheap Renters Insurance quote is to select a low amount of coverage with a high deductible . We provide an online format to obtain a quote and buy renters insurance online in multiple States at : WEBSITELINK


Input: What Percentage Of People Use Disability Insurance?

Output: Over 36 million Americans are classified as disabled ; about 12 % of the total population . More than 50 % of those disabled Americans are in their working years , from 18-64 . New Social Security Disability Insurance -LRB- SSDI -RRB- applications increased 21 % from 2.3 million in 2008 to 2.8 million in 2009 . In December of 2010 , there were over 2.5 million disabled workers in their 20s , 30s , and 40s receiving SSDI benefits . One in seven workers will be disabled for more than five years . These are statistic and disability claims from Social Security Administration , Disabled Worker Beneficiary Statistics , ssa.gov and the U.S. Census Bureau . If these numbers are any indication , then individual disability insurance claims may be similar .


Input: Does Medicare Part A Cover Er?

Output: For emergency room visits for medially approved conditions , when the patient is treated and released , ER costs are covered by Medicare Part B -LRB- medical insurance -RRB- . The patient is responsible to pay the co-payment of the emergency room charge plus the co-pay for each specific service received -LRB- such as X-Rays or EKG -RRB- .


Input: How To Calculate Present Value Of Deferred Annuities?

Output: To calculate the present value of deferred annuities at the time the annuity payments begin , you use the following mathematical formula . Its is C -LCB- -LSB- 1 - -LRB- 1 / -LRB- -LRB- 1 + i -RRB- ^ n -RSB- / i -RCB- . C represents the amount of the payments that will be received when the annuities are annuitized . N represents the number of payments that will be received . And i stands for the interest rate paid . To calculate the value of that annuity at present , before the payment period begins , take the number created by the formula above and insert it for the PV value in this formula : PV -LSB- 1 / -LRB- 1 + r -RRB- -RRB- ^ t -RSB- . In this formula , r is the rate of return and t is the number of time periods that are skipped before the annuity payments start . E.g. . If payments start in year 5 , t would be 4 .


Input: Is It Necessary To Purchase Insurance When Renting A Car?

Output: Renting a car is n't the problem , if you have insurance covering a car that you own , often the coverage on that car will extend to other cars you might be driving including a short term rental car . The problem is n't the rental car , it 's the rental agreement you sign and most often fail to read . These agreements often will say you understand the insurance the rental company carries on the car will not apply to you or in some cases it applies only up to the state minimum . So if you do n't have your own coverage , there wo n't be any if you have an accident . Many of these agreements require you to be responsible for any damage to the car even if it is not your fault . Knowingly or unknowingly , you assume a responsibility you normally do not have . If the rental car is damaged , the agreements usually say you agree to pay not only for the repair or replacement of the car but also the loss of rental revenue the company loses while the car is being repaired and any administrative costs the rental company incurs as a result of that damage . You also commonly agree to reimburse the rental company for any legal expenses or judgements they are required to pay . You assume all the risks , they assume none . Some of these assumptions may covered by the insurance you might have on your own car but many may not and that is where the problem lies . They have your credit card and you give them permission to add these charges to your card . It may not be necessary to purchase insurance when you rent a car , but be aware of what you are agreeing to . Make sure you accept those potential risks , are covered for them by your own auto insurance or personal umbrella , are willing to pay those hefty waiver charges or simply do n't rent the car .


Input: Is It Necessary To Purchase Insurance When Renting A Car?

Output: It is always a good idea to check with your Insurance Professional when you are planning to rent a car . In many cases , the coverage that you have on your car -LRB- s -RRB- as provided by your Insurance Carrier , may extend over to a rental . It is important to consider , however , that this extension ov coverage may only apply to private passenger cars . In other words , if you are planning on renting a UHaul , for example , it may be neccesary in that situation for you to purchase the short term coverage that may be offered with the rental agreement .


Input: Is It Necessary To Purchase Insurance When Renting A Car?

Output: My previous career was for a rental company so I have a great deal of knowledge in this area . When determining purchasing insurance when renting a car it is important to consider these main factors . 1 -RRB- Quality of your own insurance policy If you have state minimum coverage dont except much help from your insurance company if something were to happen . 2 -RRB- Purpose of Rental - Yes , The reason why you are renting the car plays a big factor . Some insurance policies will only cover rental vehicles if it is a replacement rental . So if you are renting for a family vacation there is a possibility that you arent covered . Always check with your insurance company . 3 -RRB- Type of Vehicle Another huge factor , a lot of policies wont cover any vehicles that are built on a pick up truck frame . Most consumers are unaware that some minivans and SUVs are in fact built upon a pickup truck frames . The best way to protect yourself against this is to always rent a vehicle that similar to the car on your policy -LRB- If you have a SUV on your policy , you should be safe to drive a SUV -RRB- 4 -RRB- Does your credit card cover it ? A little known benefit -LRB- that most credit cards have -RRB- is rental coverage ! Some will require you to activate it before renting a vehicle while others will give it you automatically . I would always check with your credit card provider to see which type of coverage you have . They often pay for loss-of-use as well which is an extra bonus that most insurance policies wont cover . 5 -RRB- The Length of the rental - The longer the rental the more expensive the rental insurance becomes . At some point the amount of money you are paying for the extra insurance isnt going to be worth it . That breaking point is up to you to decide . 6 -RRB- If something were to happen right now , what can you afford ? I think this is the most important . The most common rental is a 3 day weekend rental . The typical insurance cost for that that length of time can be $ 60 to $ 200 . However , the cost of damage , loss of use , and deductibles can add up to be $ 2,000 and get as high as the total loss value of the vehicle . If you were to total out a vehicle would your insurance cover it ? Or could you afford a $ 20,000 vehicle that you wont drive ? 7 -RRB- Remember it is not your vehicle ! Very often damage happens to our own vehicle and we dont even notice or care because we consider the damage to be minimal . However this is not the case when renting a vehicle . You do not have control over what damages are fixed and which ones arent . So Keep in mind that a ding to you , could be consider major damage to them . At the end of the day , you have to be honest with yourself and determine if purchasing the extra insurance is worth it or not . Not every situation is a same and multiple factors needs to be taken into account .


Input: How Does Health Insurance Work In Nebraska?

Output: I do not sell health insurance in Nebraska , but I have it , and it works like health insurance does in every other state . One of the great benefits we have is CHIPS -LRB- Nebraska Comprehensive Health Insurance Pool -RRB- that is for people who can not get health insurance without restrictions elsewhere , due to a medical condition . Unfortunately , this program is ending at the end of December . Hopefully the Patient Protection and Affordable Care Act that replaces it will work as well .


Input: What Is The Approximate Cost Of Medigap Insurance?

Output: The coverages provided by a Medigap -LRB- Medicare Supplement -RRB- are standardized and the broadest coverage is on Plan F . If you want any doctor , anywhere , anytime this is the plan for you . Though the plans are standardized , the premiums will vary from carrier to carrier and from state to state . When you 're looking at a carrier , consider also any of the special terms that they offer . For example , my state , Florida , the carrier Florida Blue -LRB- Blue Cross/Blue Shield -RRB- offers to retain you present age on your pricing for renewals . This can have a big impact on your cost over time . This means that if you sign up at 65 with them , they keep charging you at the 65 year old rate as you get older . This can be a significant savings over time !


Input: What Is The Approximate Cost Of Medigap Insurance?

Output: Thanks very much for your question . In addition to your age , health statuses , and non-smoking statuses , I would need to know your zip code to run the quotes for you . The rates will vary quite a bit depending on where in the country you 're located -LRB- as well as which Medigap plan is desired - the most popular being plans F & G -RRB- . For non-smokers , plans F and G can genearlly range from as low as $ 75 per month to over $ 150 per month depending Medigap plan letter , your zip code , male vs. female , and ages . If you 're a husband and wife applying together , you can also get a household discount of up to 12 % -LRB- again , depending on where you live and the carrier the coverage is through -RRB- when you apply together - different insurance companies feature different discount structures . Please send me an e-mail via the contact me button or call me at 703-665-9133 to go over the quotes directly . I do n't charge any fees for my services and there is no extra cost in premium to purchase coverage through an independent agent vs. going to the carrier directly . I 'm licensed with multiple insurance companies in a number of states and can compare each of them for you at the same time instantly . I hope my information is helpful . Thanks very much for your question .


Input: What Is The Approximate Cost Of Medigap Insurance?

Output: May I reword the question ?? I would ask , `` What is the price -LRB- what you pay each month -RRB- vs. the cost -LRB- total of premiums , rates increases , and out of pocket costs -RRB- over time . As stated above , plans are standardized . An Plan F is a Plan F is a Plan F. . . I 'm picking on F because at my office ... Plan F is almost an F-word ... . Price is what you pay today . Think of the total cost of ownership over time . The national rate increase of a Plan F , carrier to carrier , State to State , is significantly more than a Plan G. We 've constructed a spreadsheet to illustrate what the COST of Plan F is vs. Plan G over a 10 year period . Even when you pay out the Part B deductible each year , a Plan F becomes more expensive into the thousands of dollars . So start thinking about the total cost as well as the monthly price . - gravy


Input: What Is The Approximate Cost Of Medigap Insurance?

Output: The cost of Medigap policies can vary widely . There can be big differences in premiums that insurance companies charge for exactly the same coverage . As you shop for a Medigap policy , be sure you are comparing the same Medigap policy -LRB- for example , compare a Plan A from one company with Plan A from another company -RRB- . Each insurance company sets its own premiums . It is important to ask how an insurance company prices Medigap policies . How they set the price affects how much you pay now and in the future .


Input: What Is Level Premium Term Life Insurance?

Output: Level premium term life insurance is term life insurance for which the premium is guaranteed not to go up for the entire term . E.g. if you took out a 20 year level term policy for $ 50/month , the premium in year 19 would still be $ 50/month . Once the term ends , the premiums jumps up very , very high .


Input: How Much Is Car Insurance For Two People?

Output: The number of drivers rarely affects the premium on an auto policy . However , it may be a consideration in underwriting an auto policy . An inexperienced driver will find it difficult to obtain auto insurance alone . They are more likely to qualify for coverage when the household in which they reside has additional drivers .


Input: Does A Security System Lower Home Insurance?

Output: A home security system , like ADT , generally will lower your home owners premium . So might other things like having a fire extinguisher , indoor sprinklers , bolted locks , and smoke detectors . Check with your agent or broker to find out what discounts they offer and that you are getting all of the discounts you deserve .


Input: Does A Security System Lower Home Insurance?

Output: Yes , monitored security systems do help you manage your Homeowners Insurance premium as companies usually offer a discount for these . Be sure to ask your security company about including fire along with burglery protection for a more cmplete system and greater peace of mind . In addition , always make sure your smoke and carbon monoxide monitors have fresh batteries and that you have sufficient and proper fire extinguishers . Many insurance companies will reimburse you for teh cost of extinguisher recharging .


Input: Can You Purchase Life Insurance On Anyone?

Output: No , to purchase a life insurance policy on someone , they must be a close relative or you must have an insurable interest in that person . The person must consent to you taking the policy on them , sign the application , and take the exam or do the phone interview required .


Input: Can You Purchase Life Insurance On Anyone?

Output: You can not purchase life insurance on just anyone . You and the insured have to establish an insurable interest between each other and justify the face amount . How will this persons demise affect you financially ? What future obligations will not be met by this persons demise that will affect you in the future ?


Input: Can You Purchase Life Insurance On Anyone?

Output: No you can not purchase life insurance on anyone . There must be an `` insurable interest '' in order to purchase any type of life insurance . Whether it is to insure repaying debt for loved ones , replacing income or repaying a company for being a key employee or partner . There must be a reason and a relationship that would financially suffer at the loss of a life .


Input: At What Age Can I Start Getting Medicare?

Output: When you turn age 65 you can apply for Medicare . Medicare Part A is typically free and Medicare Part B is around $ 105 per month for most people . Medicare Part A & B covers about 80 % of the cost of health care . You can get a Medicare Supplement Plan to cover the remaining 20 % . Medicare along with a Medicare Supplement Plan is actually very good health insurance .


Input: Can You Turn Down Medicare?

Output: Yes , you can turn down Medicare . If you are automatically enrolled in Medicare , you will receive a form in your packet that you can simply return to turn down Medicare Part B due to being in a group plan . You will need to contact your Social Security office to discuss the ramifications of turned down Medicare Part A . But you can turn down Part A , as well .


Input: Does A Life Insurance Payment Get Taxed?

Output: Life insurance proceeds from the death of the insured are paid to the beneficiaries of a policy and for most domestic scenarios the proceeds are tax free . In certain circumstances where the proceeds are paid to a business or paid into the estate , those proceeds could be subject to taxation .


Input: Does A Life Insurance Payment Get Taxed?

Output: Generally , when a life insurance policy pays the death benefit upon the death of the insured person , the beneficiary does not have to pay income tax on that amount . There are some exceptions , but when dealing with the vast majority of policies , the death benefit is not taxable , making life insurance very attractive in a lot of situations .


Input: Does Renters Insurance Cover Water Damage To A Laptop?

Output: What 's the importance of Renters Insurance ? If you 're renting a house , condo , or an apartment , the last thing you 're thinking about is renters insurance . Since you do n't own the building , the landlord is covered , and you do n't value your personal belongings to really add up , what 's the point ? What would you do if : The building or home catches fire and all your personal contents are destroyed . Now , all your belongings are gone and you do n't have a place to sleep . Your home or apartment is burglarized ; you 've lost your laptop , mobile phone , entertainment system and flat screen TV . How about your more modern technology items such as a Tablet , iPhone , iPod etc. . . A visitor or service provider trips and falls in your home or apartment and decides to sue you for his injuries . Whether or not it is your fault , a renter must replace his or her personal items . If there is a law suit , the renter will have to seek a defense attorney even if there is clearly no fault . How much would it cost to replace your clothes , laptop , and furniture . Here are some reasons to have renters insurance : BURGLARY . You may think your apartment is `` secure '' ! Rental units are prime targets for theft and burglars are getting smarter about how to break into apartments and rental homes ; most of them do not have a security system and are not insured . FIRE OR SMOKE DAMAGE . The landlord 's insurance wo n't replace your furniture and personal belongings . Renters insurance will cover items damaged by fire , smoke , and other situations . WATER DAMAGE . Renters insurance may cover items caused by water damage . Additional living expenses . If your unit is damaged by water or fire , you 'll likely need to find another place to live whether short or long term . Most policies include coverage for hotel expenses or assistance to find an alternate rental unit if you ca n't live in your rental unit . LIABILITY INSURANCE . Renters insurance can cover injury to another person on your property . It can also include medical payments coverage that pays for expenses of guests . Inexpensive . Renters insurance is very inexpensive if not relatively cheap ! Higher deductibles can decrease the cost of insurance . Renters insurance is a must if not required by your landlord and can save you thousands of dollars , all for a lot less than you might think . Get a free quote and get covered today online by visiting WEBSITELINK


Input: Where Can I Get Weekly Car Insurance?

Output: I would suggest starting by calling local agents they will be able to help you find the coverage that you are looking for . Based on my experience and education , I have only dealt with carriers up to this point that offer weekly payment plans , but only as little as monthly coverage .


Input: Where Can I Get Weekly Car Insurance?

Output: I have never heard of weekly payments but have heard of 1 month policies . Most states require that you maintain insurance at all times . If you do not own a car and are looking to insure a car for just a week because you are bowering a car you ca n't insure a car you do not own . Then a non owned policy would be best


Input: Can I Go To Urgent Care Without Health Insurance?

Output: Yes you can . Just be prepared to pay for the visit . Most Urgent Care facilities will want payment at time of the visit . Even if you have insurance they will require copay 's up front if you have any . Urgent care centers are designed to help take the lad off of emergency room visits .


Input: How Much Auto Insurance Coverage Do I Need?

Output: The simpliest answer is as much as you can afford . Typically I recommend no less than 100/300 coverage to any new client that I speak with . A good in-expensive way to increase your coverages is to purchase an umbrella policy if you currently have your auto and rentes/homeowners insurance with the same carrier . Contact your local agent to discuss your coverage needs and the cost of the policies to fill those needs .


Input: What Happens When You Change Homeowners Insurance?

Output: You can change your insurance provider at anytime . You would simply start your new policy and notify your prior carrier that you wish to terminate your policy . Usually this request will be required in writing . While it is rare you should check first to see if there are a short rate cancellation surcharge .


Input: What Happens When You Change Homeowners Insurance?

Output: This is generally a seamless process . Since most homeowners policies are handled by a mortgage company they are quite accustomed to the process . The homeowner will need to notify the former insurance company so that their policy can be cancelled . The date selected for cancellation is the same date that the new policy is effective . Often the mortgage company will have enough in their impound account to pay the first annual premium . They should have enough once they have collected the unused premium from the previous insurer .


Input: What Is A Fixed Indexed Annuities?

Output: Indexed annuities are different from other fixed annuities because of the way it credits interest to your annuity 's value . Some fixed annuities only credit interest calculated at a rate set in the contract . Other fixed annuities also credit interest at rates set from time to time by the insurance company . Indexed Annuities credit interest using a formula based on changes in the index to which the fixed indexed annuity is linked . The formula decides how the additional interest , if any , is calculated and credited . How much additional interest you get and when you get it depends on the features of your particular contract ?


Input: Is Health Insurance Exempt From Federal Tax?

Output: No , not exempt as such . Whether you get your health insurance through an employer based plan or whether you are self-employed and purchase your own individual health insurance can have tax implications for you though . Generally , in today 's employer based insurance environment the employee is paying some portion of their individual and/or dependent health insurance premiums . And , in most such cases the employer is taking your share of the premium out of your paycheck on a pre-tax basis under a Section 125 Plan . The employee is receiving a tax advantage in this context as their share of their premium is taken out of paycheck on a pre-tax basis thus reducing their taxable net income and reducing the amount they pay in taxes . For the self-employed this issue gets more complex and you should seek the advice of a CPA or tax attorney . Health insurance premiums a self-employed person can be deducted or expensed depending upon how your business is structured and what your individual situation is . As is always the case when we 're talking about taxes it 's more complicated than the very simplistic answer that I have given and that is why you should seek professional advice on this matter .


Input: Who Does Wells Fargo Use For Renters Insurance?

Output: Most institutional lenders and referral sources utilize Stillwater Insurance Group to underwrite their Renters Insurance ; in most areas , they seem to have the lowest rates and most comprehensive coverage . In many cases , Landlords require renters insurance in order to be listed as an Additional Insured on the policy to protect their interest . Stillwater Insurance will allow the Landlord to be listed as an Additional Insured on a Renters Policy . There is a link providing an online format to obtain a quote and buy Renters insurance online in multiple States ; it may be used directly by Consumers . WEBSITELINK


Input: Can A Cancer Patient Get Life Insurance?

Output: If they are still receiving treatments for cancer , cancer patients will be restricted to guaranteed issued life insurance . A year or two after the last treatment some simplified issue policies become available . And once the cancer has been in remission for a while , there may be some medically underwritten life insurance that persons with health history of cancer can get . A lot depends on the type and stage of cancer . Contact a good impaired risk life insurance website to obtain the most affordable life insurance with a history of cancer .


Input: Can You Claim Lost Car Keys On Insurance?

Output: Yes you could if you had comprehensive coverage . However since most key costs are under the deductible amount it would not make much sense to ruin your claims free discount in order to receive $ 0 from the insurance company . Even if you had a $ 100 deductible and the electronic keys were $ 150 , the discounts lost plus having a claim on your record would outweigh any benefit to receiving the $ 50 .


Input: What Does Medicare Cover For Sleep Apnea?

Output: Medicare will cover treatment of sleep apnea , including a CPAP if justified as medically necessary . You must have been examined by a doctor and have a confirmed diagnosis of apnea . Your doctor must have prescribed a sleep test and the study must confirm the diagnosis . Medicare will pay for rental of a CPAP machine if you qualify .


Input: Can You Buy Car Insurance With A Suspended License?

Output: An individual with a suspended license can purchase auto insurance . Generally the intent is so the individual can regain his or her license . The other option is the individual has other members in the household that operate a motor vehicle . If this is the case the owner of the policy can purchase the insurance and exclude themselves as an operator thereby allowing the residents in the household to drive the vehicles . The residents of the household will be required to be added to the policy as operators .


Input: Can You Buy Car Insurance With A Suspended License?

Output: That is a great question ! You are in a tough place . Most insurance companies are going to be very hesitant to insure you while your license is suspended , and depending upon the reason why it is suspended , insuring you at all . You may be able to find a company that will write you a provisional or probationary policy that will be dependent upon you completing the requirements of the suspension , but I can not warn you strongly enough about the incredibly bad decision it would be should you choose to drive either on your suspended license , or without insurance . Please do n't . Good luck , and thanks for asking !


Input: Does Cigna Health Insurance Cover Breast Reduction?

Output: Most health insurance will only pay for breast reductions if it is medically necessary . Medically necessary is a subjective term . For example if you want breast reduction surgery for cosmetic reasons it would not be covered . If on the other hand if you were 5 ' 2 '' and needed reduction surgery to ease back issues posture and pain it may be medically necessary . You should check with you doctor , read your Evidence of Coverage and check with the insurance company .


Input: How Do I Get A Life Insurance License In Tennessee?

Output: To be licensed in Tennessee requires 32 hours of classroom study or an online equivalent . There are several companies to choose from . You will need to be finger printed and pass a background check free of felonies , theft and violence . Then you must pass a written exam at a designated testing facility located in all of the metropolitan areas of the state . I recommend taking your health exam at the same time in order to cross license in other states . Good luck !


Input: How Do I Get A Life Insurance License In Tennessee?

Output: To get a life insurance license in Tennessee , you must take a course of study , then pass a test covering that material . If you plan to sell variable products in addition to Term , Whole and Universal Life , you must also procure a securities license through the same process of study and testing .


Input: How Do I Get A Life Insurance License In Tennessee?

Output: To get a life insurance license in Tennessee you will need to complete any pre-licensing requirements and then take the state insurance license exam and pass . Once you have passed you will be issued your resident producer 's license in Tennessee . You will also be subject to a background check before the state issues your license .


Input: Is Medigap Covered Under Medicare Advantage?

Output: No . Medigap is health insurance which works as a supplement to original Medicare -LRB- Parts A and B -RRB- . Medicare Advantage is a private health insurance plan offered by an insurance company that provides health insurance to Medicare beneficiaries that is at least as good as original Medicare -LRB- Parts A and B -RRB- . You may not have both Medigap insurance and a Medicare Advantage Plan at the same time .


Input: Will Medicare Pay For Dentures?

Output: Medicare does n't pay for dentures . This would be covered under a dental insurance plan -LRB- for plans that covers dentures - most dental insurance plans will feature benefits for them -RRB- . I hope the information is helpful - please feel free to contact me for assistance with getting a dental insurance plan set up for you and if you have any other questions . Thanks very much .


Input: What Kind Of Disability Insurance Do I Need?

Output: Protecting your paycheck is one of the most important items in defensive planning , so disability insurance is critical . If you can afford long term disability insurance you should shop around for the best price and buy it . If your budget is tight you may consider short term disability insurance .


Input: What Kind Of Disability Insurance Do I Need?

Output: Individual Long Term Disability is the type of policy that is sold most often and is much more widely available than Individual Short Term Disability insurance . Long Term DI is also more reasonably priced than Short Term DI . Most people can weather a short time off work , but it is the long periods of time without income that take a huge toll on employees and their families . You need Long Term Disability Insurance .


Input: What Is The Fine For Not Having Car Insurance In Connecticut?

Output: If you do not have insurance on your vehicle in Connecticut , you are likely to be notified by the DMV with a notice of suspension . You will have 45 days to respond or face possible fines and/or suspension . Most importantly , you must obtain coverage and pay a fine of $ 200 . As experienced brokers , our job -LRB- among other things -RRB- is to help consumers who may have found themselves in a position where they have no coverage or a policy has lapsed . But it is the law to have existing car insurance in Connecticut if drive your vehicle .


Input: Can I Have Two Different Auto Insurance Policies?

Output: You probably could , but it is not a very good idea . First , you would not be taking advantage of the multi car discounts that many auto insurance companies offer so will probably be paying more than you need to . Second , in the event that you cause an accident , the claims processing would become needlessly confused because many standard policies cover not only the vehicle you insure , but any other car while it temporarily replaces that one . Thus , two insurance companies could be involved .


Input: Can I Have Two Different Auto Insurance Policies?

Output: No you are not supposed to have 2 polices for the same vehicles . If you have an accident and it is discovered that you have two polices the insurance carriers will split the cost up to the limit of the policy . In other words having two polices does not double your coverage . Then the carriers will cancel you for double coverage .


Input: Who Can Claim Private Health Insurance Rebate?

Output: Beginning in October , open enrollment will begin . You will have a choice between a private or public exchange now called marketplaces . Government subsidies will be based on income . The higher your income the lower the subsidy until you finally will be full pay . Go to the Kaiser Foundation website for a subsidy calculator that will tell you if you will qualify and how much you can expect .


Input: Will Health Insurance Cover Rhinoplasty?

Output: It would only be covered under your health insurance plan if it were deemed medically neccessary . Given the elective nature of the procedure I would say that 99 % of the time it would n't be covered . However , make sure to check your benefits and contact your carrier prior to the procedure to see if it will be covered . Although , not covered ... you 'll hopefully have a smaller , straighter nose :-RRB-


Input: Does Homeowner's Insurance Cover Driveway Repair?

Output: When you asked the question `` Does Homeowners Insurance cover driveway repair , '' ? It all depends on what caused the damage . It will not cover any repairs due to normal aging process . If your driveway is part of the main structure and the house was burnt down and needed to be rebuilt then the driveway may rebuilt . Just because your driveway is old and you need it repaired may not be cover . The key thing to remember is what caused the damage ? normal aging process or a covered peril ?


Input: Does Homeowner's Insurance Cover Driveway Repair?

Output: The only instances that I am aware of claims being paid for paved driveways are when the damage is caused by a covered peril such as a tree falling and damaging it . I do n't think that rabbit tunnels and ant holes would be covered under any of the perils of a homeowner policy .


Input: Does Homeowner's Insurance Cover Driveway Repair?

Output: Your homeowners policy covers damage to your home and personal property caused by one of the named perils . It is difficult to imagine a situation where the policy would cover damage to a driveway , however , it could happen . The effects of animals are specifically excluded and would not apply here , I dont believe . You should not expect your insurance policy to pay for items that would fall under the classification of fair wear and tear .


Input: What Is Guaranteed Replacement Cost In Homeowners Insurance?

Output: Guaranteed Replacement Cost is a common term that is sometimes misused by agents . It means that , if your home is destroyed , your insurance company will rebuilt it , whatever it costs with no limit . This was a very common settlement option at one time . Insurance companies began offering it to differentiate themselves and soon , almost every company offered it . Today , it 's not like that . Some companies will offer it , but only to certain properties . Beware this term when it 's thrown around by agents . Some will misuse it to make it seem like they have this when they actually do n't . Today , most companies will offer something called `` Extended Replacement Cost '' or other , similar terms . This means that they will replace your home , even if it costs more that the limit on the policy , but they will only go to an extra 10,25 , or 50 % of the limit . For example , if your home is insured to $ 100,000 , they may pay up to $ 110,000 , $ 125,000 , or $ 150,000 to rebuild it . Some agents will call this Guaranteed Replacement Cost . Beware , there 's nothing guaranteed about it . The bottom line is this : Be smart , get an agent you can trust that 's more worried about covering you correctly than just getting a new commission .


Input: Does Homeowners Insurance Cover Medical Bills?

Output: If you have a guest visiting and that guest falls or is injured the Medical Pay portion of your policy will pay that persons Medical bills up to the limit of the Med pay portion of the policy , usually between $ 1000 and $ 5000 depending on your policy . This helps prevent law suite . Homeowners does not cover residents of the household and is not health insurance .


Input: Why Would An Apartment Require Renters Insurance?

Output: It is an extra protection for them in the event of a lawsuit . If your child , for example leaves a toy in a common stairway and another person falls down the steps and is injured , you could be sued but so can your landlord . Renters insurance is also a protection for you . Your personal property can be replaced in the event of a covered loss .


Input: What Is The Average Return On Annuities?

Output: At present the average return is running 3 to 4 percent tax deferred with an index annuity . However the individual insurance company sets the cap on index returns and fixed rates yearly basis . Protection of principle is an guaranteed issue in the policy no loss regardless of the market world


Input: Is Medicare A Regressive Tax?

Output: Aregressive tax imposes a greater burden -LRB- relative to resources -RRB- on the poorthan on the rich . Medicare is a funded by payroll tax paid in while inyourworking years and is not regressive any more then other taxes -LRB- in my opinion -RRB- . To qualify for Medicare you must have paid into the fund via tax for 10 + years and be a US citizen -LRB- with some exception -RRB- . OR be disabled and on SSI for greater then 2 years


Input: Can I Be Denied Life Insurance For Smoking Marijuana?

Output: If you have used marijuana in the past , or are a current user , you should engage the services of a life insurance agent that is a special risk market maker . Almost any agent will tell you they have a guaranteed issue plan or something similar , but agents that specialize in impaired risk can show you more options that are lower in cost .


Input: Can I Be Denied Life Insurance For Smoking Marijuana?

Output: There appears to be a wave of reconsideration of marijuana laws across the U.S. . In most cases this is in the area of medical marijuana , but many states are also taking a fresh look at recreational marijuana laws . If you truly are only a recreational user with no other factors you should have no problem getting life insurance . If you have any treatment for addiction -LRB- alcohol or drugs -RRB- , a DUI or other drug / alcohol legal problem you will have less options . Marijuana is a topic that the industry is watching closely . It is likely that underwriting guidelines will evolve in coming years , so no matter what rate you get today it would be wise to keep in touch with your agent . There is a chance that over the next few years marijuana usage will have less of an impact on your life insurance premium .


Input: Can I Be Denied Life Insurance For Smoking Marijuana?

Output: Yes , Marijuana is unfortunately considered an illegal drug so you could be denied coverage . There are some plans you can get that offer guarantee issue with no health or drug questions . Unless the insurance requires a blood or urine , the company would probably never know you use it unless you tell them . However if you lie on an application and die within two years of the application as a result of a drug related incident and drugs are found in your blood stream , the company can refuse the death benefit .


Input: Can I Be Denied Life Insurance For Smoking Marijuana?

Output: There are more and more choices of life insurance for persons who smoke marijuana in a responsible fashion . Most companies will charge smoker rates , but some will rate as good as preferred smoker . Of course , even those companies can deny coverage if there have been recent driving violations due to marijuana use , or if you have had drug treatment and continue to smoke pot . Contact an impaired risk agency to find the most affordable life insurance rates with marijuana usage .


Input: Which Insurance Companies Offer Long Term Care Insurance?

Output: Some companies that offer Long Term Care insurance are Genworth Financial , John Hancock , and Mutual of Omaha , but there are many others . Due to lower interest rates and other factors , prices are on the rise , underwriting requirements are getting stricter , and some companies have quit offering Long Term Care -LRB- e.g. MetLife and Prudential -RRB- . I know I put it off way too long ; I hope you act now to lock in an affordable rate .


Input: Is Life Insurance Taxed In New Hampshire?

Output: Life insurance is usually not charge income tax in New Hampshire or any other state . The face amount of the policy is income tax free when passed to a beneficiary who is a person , charity , trust , or other entity . It can be charged income tax if passed to the estate .


Input: Is Life Insurance Taxed In New Hampshire?

Output: Taxed depends a lot on what exactly is going on . Death benefits are not taxed for income purposes -LRB- as is the case with the majority of policies in all states -RRB- . And New Hampshire has no estate tax . Distributions from a life insurance policy that are not a return of basis are recognized as income , but since New Hampshire does not have an income tax , there would be no income tax due on those distributions .


Input: Does Obamacare Force Employers To Pay For Health Insurance?

Output: Beginning January 1 , 2015 employers with 100 or more employers have a choice to offer health insurance to their employees and child dependents or pay a penalty -LRB- tax -RRB- . If they choose to offer health insurance they must offer a health plan that meets the minimum coverage requirement , the employees can not pay more than 9.56 % of their income for their portion and the employer must pay at least 50 % of the employee only premium . The other option is to pay a tax of $ 2,000 per employee after the first 80 employees in 2015 and after the first 30 employees in 2016 . The penalty or tax is not tax deductible .


Input: What Is Equitable Life Insurance?

Output: Equitable Life Insurance recently switched to a final expense plan . Equitable Life & Casualty Insurance Company used to offer a No Exam policy for adults of all ages , up to $ 100,000 . At this time , the eligible ages are 50-85 , and the maximum face amount offered is $ 30,000 . It is a permanent product that comes in a level and graded plan .


Input: Why Is Short Term Health Insurance Cheaper?

Output: Regardless of what type of insurance , if you 're asking why it 's priced the way it is , the answer is always this : it 's based on the actuarial data . Why is life insurance less expensive for women ? Because the data shows they live longer than men . Why is short term insurance less expensive ? Actually , I do n't know the specific actuarial data , but my guess is that the likelihood of your using insurance within 6 months is far less than if you had the insurance for many years .


Input: What Is My Life Insurance Worth?

Output: Your life insurance value depends on which life insurance you purchased . If you own a term policy is has no cash value , but it does have a death benefit to your named beneficiary upon your death and your coverage is still in force . If you purchased a cash value permanent policy it has a death benefit the same as the term policy but also a cash value . First look at the type of policy term , whole , universal , mortgage , etc. . If it is a cash value plan , look inside the policy for the illustrations pages within the first 10 or 12 pages . There will be a corresponding value based on the year the policy is in force . Most cash value policies do require payments of up to 7 years before a cash value is established to purchase the death benefit .


Input: What Is My Life Insurance Worth?

Output: Truly we would need to look at your contract if it is term life it is at face value for a certain amount of years and some states allows return of premium while other states do n't . Whole Life can build with interest as do the new IUL will have a face amount value and a cash value that is a savings account with a interest rate that is indexed to the S&P 500 with no risk of loosing your investment.Depending on tax bracket and if your married or single a client could invest 4000-9000 dollars a year in their savings so you can see the value of your life insurance can be as much as you want it to be . Of course most of us will need professional guidance to get there . John Cole Virtual Financial Group Recruiter / Manager


Input: Will Medicare Insurance Premiums Increase?

Output: As most are aware the current adminsitration has chosen to raid the medicare trust fund and use monies from the medicare fund to pay for ObummerCare . Will that cause Medicare insurance premiums to increase and more importantly will it cause higher deductibles and higher copays and decrease in coverage amounts ? The answer is that is exactly what will happen . It should be illegal for some politician to raid an entitlement trust fund that was approved by `` congress '' in prior years and the citizens have been contributing to the program because they trusted the `` government '' to be honest


Input: Which Medigap Plan Is Most Popular?

Output: By far the most popular plan is Medigap plan F . It is the easiest to explain , has the highest premium and agents make the most commission on plan F. Medigap plan F has no moving parts . It pays 100 % of Medicare approved Part A and B expenses not paid by Medicare due to deductibles and coinsurance . So why do over 90 % of my clients have something OTHER THAN plan F ? They are educated on the differences .


Input: How To Switch Homeowners Insurance With Escrow?

Output: If your homeowners insurance is escrowed do n't sweat it . Typically switching carriers for your homeowners insurance coverage from one carrier to another is fairly seamless and can be handled by your local agent . Depending on the carrier they may require a payment on the new policy to get things started . Your current carrier should refund any unused portion of premium . Your mortgage lender may change your escrow amount based on the new premium and the timing of the start of the new policy in comparison to the homeowners insurance renewal date .


Input: What Is Considered A Preexisting Condition For Health Insurance?

Output: A pre-existing condition for health insurance is a medical condition that you have/had before your coverage under a health plan starts -LRB- your effective date -RRB- . I hope the information is helpful - please feel free to contact me for help with your health insurance plan or if you have any other questions . Thanks very much .


Input: Can Creditors Take Life Insurance Proceeds?

Output: If the person with the debt is the person who owes money to a creditor , then the creditor can take life insurance proceeds if they are left to his/her estate . If the beneficiary is a person , the creditor can not take the life insurance proceeds unless the beneficiary was a co-signer to the debt .


Input: Can You Get Home Insurance With A Criminal Record?

Output: Yes , under most circumstances . I am not aware of any insurance carrier that currently pulls or asks for an insured criminal history when appling for homeowners insurance coverage . There are manyquestions that are asked during the application process for securing a homeowners policy . Most of the questions have to do with the physical features of the premise and claims history of the premise and proposed insured .


Input: Why Buy Supplemental Disability Insurance?

Output: There are several reasons to considering buying Supplemental Disability Insurance . 1 -RRB- Group Disability policies usually pay 60 % of your income in event of disability , and if your employer paid the premiums , the benefits are taxed . Thus , the benefit you actually receive may be approx 45 % of your income . Supplemental Disability Insurance is not taxed and can possibly raise this benefit to 70 % to 80 % of your income . 2 -RRB- Any group benefit will be lost when you leave the group . Having Supplemental Disability Insurance can be valuable if you no longer qualify for Disability Insurance upon separating from a job and its group benefits . 3 -RRB- Group Disability coverage is often `` own occupation '' the first two years , then changes so that you will no longer receive your benefits if you can work at ANY job , not just your OWN type of job . Supplemental Disability Insurance can extend the own occupation feature to last longer than two years . You could also add other features such as a Cost of Living Adjustment rider .


Input: Why Do Babies Need Life Insurance?

Output: The more accurate question is why do parents want to take out life insurance on their infant child ? You may want to cover final expenses in the death of the child . You may want to start a long term savings program for your child . You may want to purchase the maximum the carrier allows for the future of your childs insurability , especially if your familys health history includes chronic illnesses . But keep in mind , most life insurance carriers will not issue a policy on a child if the parents have no coverage of their own .


Input: Why Do Babies Need Life Insurance?

Output: why do babies need life insurance ? There are several reasons life insurance for a baby makes sense . One is simply just planning for the future for that child through a cash value policy that grows over time . Coupled with a guaranteed insurability option , a good plan takes away an insurance company 's ability to say `` no '' down the road . That in it 's self is very important . Taking away `` no '' is a wonderful feeling . Another reason is what if the unthinkable happens ? Would a family need time , would they need money to have a service or even buy a headstone ? Imagine the stress of having to budget the service for your child ? How much hate and resentment would happen having to tell a spouse `` no , it costs too much '' ?


Input: Who Offers Disability Insurance?

Output: Agents who sell health insurance have the license to sell disability insurance , as long as they are contracted with the carriers to do so . Many life insurance agents also sell disability insurance . Disability Insurance brokers are the most likely source , as they are able to compare prices of a number of policies . Some health and life insurance agents like us use disability insurance brokers to find their clients the best price .


Input: Does Urgent Care Accept Medicare?

Output: Most will accept Medicare . Urgent Car would be covered under Part B at 80 % of the approved amount . Any facility has the right to opt out of Medicare but when you consider the demographics a doctor or facility would be shooting themselves in the foot by doing so . Check with your local Urgent Care Center to be sure .


Input: If I'm 4 mos pregnant now & purchase a policy would it cover me if there were complications at 8 mos?

Output: If you were to purchase a short term disability policy while being four months pregnant , there will almost certainly be an exclusion on your policy that will exclude payment if time is taken off for any reason related to pregnancy or childbirth . If you had long term disability in place when you got pregnant , it should pay for bed rest due to complications during your 8th month of pregnancy . Congratulations and best wishes .