Input: Is Car Insurance More Expensive If You Drive A Convertible?

Output: Not necessarily because there are many rating factors that your company uses in order to develop the proper rate to reflect the risk they are insuring . What may affect the rate is the value of the car , your driving record , your credit history , the area in which you live , etc. . Further , auto premiums can be very effectively managed by making sure you are talking advantage of all the available discounts that your company has to offer .


Input: Is Car Insurance More Expensive If You Drive A Convertible?

Output: That is an excellent question ! The answer is most likely , but not always . The factors in determining whether it will , are : The price of the car ; -LRB- the more expensive the car , the more expensive the coverage -RRB- the make and model ; -LRB- repairing a65 Mustangwill be more expensive than repairing your 2002 Mustang , for example -RRB- ; and your driving record . Statistically , sports cars are more expensive policies than your family car will be , because you do n't have the theft issues , speeding tickets , or accident claims that you will have in your sedate family car . But if you are a safe driver , with a great driving record , you should be able to find a policy that works for you . Thanks for asking !


Input: What Does Basic Home Insurance Cover?

Output: Although this form is seldom used there is coverage for just the structure of the residence . Further the list of perils insured against can be quite short , fire , lighting and hail . Few lenders will accept that form of coverage and prefer a more comprehensive policy that will protect them in most eventualities .


Input: What Does Blue Cross Blue Shield Health Insurance Cover?

Output: Blue Cross/Blue Shield health insurance is a brand name dating back to the depression era for what were once state based health insurance plans with a charter to provide affordable health insurance for the citizens of the state they were chartered in . In many ways they were treated as non-profit organizations which often gave them a competitive advantage versus for profit health insurance companies . Over the decades there has been consolidation among many state BC/BS plans and telling the difference between today 's Blue Cross/Blue Shield plans and their other health insurance competitors is largely a distinction without a difference in today 's marketplace . Blue Cross/Blue Shield plans generally provide a range of individual and group insurance products and administrative services that range from health insurance to dental , vision , life and disability insurance . At a minimum they cover all medical services required by their state health insurance regulations and the requirements of the Federal Affordable Care Act . In this regard what they cover is no different than what you will find covered by insurance carriers such as CIGNA , Aetna , Humana or United Healthcare to give you some commonly known competitors . You will observe differences in various health plan design options and perhaps in how their rates are quoted between all health insurance carriers , whether it is Blue Cross/Blue Shield or any other insurance carriers but the basic services they are covering are all essentially the same .


Input: Why Do People Buy Life Insurance For Children?

Output: The price of life insurance for children is very low , possibly as low as it will cost for that person for the rest of his or her life . So one reason people buy life insurance for their children , is to lock in a low rate for them for the rest of their lives . Another reason is to make sure that they get reasonably priced coverage while they still qualify for it . This can be especially important for families where type 1 diabetes , heart disease , or other genetic conditions may run in the family . Finally , some people buy life insurance for their children because , if the unthinkable would happen , they would not be able to give their child a fitting funeral without it .


Input: Why Do People Buy Life Insurance For Children?

Output: Here are two good reasons to buy life insurance on children : 1 -RRB- They enter adulthood already insured . This means that at the time they want to get married and buy a house , they have insurance already in place . They do not have to go to market and pay a rate at their current age . You and I would have really appreciated saving that money when we were qualifying for a mortgage . In addition , what if they unfortunately have come down with a medical condition , or a taken on an adventurous hobby like scuba diving ? That would cost extra premium . They can save money there too . 2 -RRB- The right life insurance product can grow substantial cash values over time . A whole life or strong universal life policy taken out on a minor , and then left to grow over decades , can yield a huge amount of cash . This can be used to supplement retirement , pay for college-education , start a business , and many other needs .


Input: What Is A Credit Life Insurance Contract?

Output: A credit life insurance contract is a decreasing term life insurance policy that will pay the off the loan for a borrower if the borrower passes away . Credit Life insurance is usually provided by the lender at a price they set , and the beneficiary is the lender . Traditional Life insurance can be used to pay off a loan with the following advantages : 1 -RRB- The death benefit does not decrease , so whatever does not go to the lender can be used for something else ; 2 -RRB- The borrower can shop around to get a more competitive price ; 3 -RRB- The policy is under the control of the policy owner , not under the control of the lender .


Input: What Is A Credit Life Insurance Contract?

Output: Credit Life Insurance contracts are designed to protect the creditor and the borrower 's family from incurring a loss due to the death of the borrower . A life insurance policy is taken out on the borrower for the amount of the loan or credit extended . The named beneficiary is the creditor who extends the loan / credit . Should the borrower die before the loan is paid off the creditor is paid by the insurance policy and therefore also protects the family of the borrower from incurring the debt . Typically these policies are `` decreasing Term '' policies , which decrease in value as the loan is paid down .


Input: How To Claim For A Laptop On Home Insurance?

Output: I have to assume your laptop was probably stolen if you are wishing to file a claim with your homeowners insurance carrier . If this is the case your insurance company would have a claims phone number you can call to open a claim . A report will be taken and then coverage will be determined . Keep in mind your homeowners insurance policy will have a deductible that will need to be met before the insurance company will pay out .


Input: Is An Index Annuity Fixed Or Variable?

Output: That is a great question ! An annuity can be really sorted out into two types - A variable annuity , which has an interest rate that can go all over the board ; and a fixed annuity , which pays a specified rate of interest . An indexed annuity is really a fixed annuity , as each interest crediting strategy clearly defines the interest that it will pay , depending upon the market it is tied to 's performance . While the interest paid can vary based upon that performance , it is generally defined by caps , participation rates , and floors , so you know what it will pay within those parameters . I hope that helps , thanks for asking !


Input: Is An Index Annuity Fixed Or Variable?

Output: An indexed annuity was initially a method to make the market participation of a variable annuity available to the fixed and guaranteed marketplace . The appropriate name for a `` index annuity '' is an Equity Indexed Annuities -LRB- EIA -RRB- . The idea of a variable indexed annuity is unusual but Allianz actually is offering a product with the name `` Index Advantage Variable Annuity '' . According to the Securities and Exchange Commission , there are three types of annuities . There are fixed , indexed or variable annuities . The vast bulk of indexed annuities are not registered with the SEC and are therefore considered `` fixed '' . Without more information to help you 'll have to accept that an indexed annuity is probably a fixed product but some carriers are creating variable indexed annuities .


Input: Does Car Insurance Cover Another Driver?

Output: Most car insurance will cover another driver as long as you have given them permission , If the person is going to be driving the vehicle frequently it is important to add them to your policy . It is important to remember that if someone is using your vehicle and has an accident that claim will be on your insurance .


Input: Does Car Insurance Cover Another Driver?

Output: It is always best to talk with your Insurance Professional about the specific terms and conditions of your policy , of course , but in most cases , your policy would cover you and anyone else you so designate to drive your car . This provision when included in an auto policy , enables some flexibility in the event that you give someone permission to borrow your car temporarily . In the event this person is to be a frequent user of your car , then your Insurance Company would more than likely require that person to be added as a named driver on your auto policy .


Input: What Does Comprehensive Cover In Auto Insurance?

Output: In some states , comprehensive coverage is also known as `` other than collision '' coverage . `` Other than collision '' is probably the best descriptive answer of what comprehensive coverage is . It covers your vehicle from damage resulting in anything other than a collision -LRB- accident -RRB- . Examples of comprehensive coverage : theft , fire , vandalism , damage from weather such as hail , hitting an animal such as deer , tree falling on it , etc. .


Input: How To Start A Life Insurance Company?

Output: Great question - In addition to the things that Jason mentioned , I 'd add a TON of financial experience and degrees and certifications , a TON of really good legal advice and lawyers , and a TON of financial backers . The law requires that you have in cash reserves enough to pay out the total amount of what you promise to pay out . Good luck ! Thanks for asking !


Input: How To Start A Life Insurance Company?

Output: I do n't have many details , but I can imagine that you would need a TON of money to meet reserve requirements , a TON of permits/licenses , a TON of legal documents created for the business , just to name a few things . In short , there 's a lot of start up money that would be necessary to start that kind of business . Your best bet regarding what requirements would be needed would probably be calling up your state 's department of insurance - I would think that would be a reasonable starting point or they may at least be able to point you in the right direction . Sorry I ca n't be of more help on this question .


Input: How To Start A Life Insurance Company?

Output: The requirements to form an insurance company vary by state , and can be considerably different . The state insurance commissioner where you want to domicile your company is the place to find accurate information . Many insurance companies are formed to provide protection for a niche market . Having support of that market makes forming a new company more successful .


Input: What Is A Typical Deductible On Homeowners Insurance?

Output: Years ago , it was n't all that uncommon to see a $ 100 deductible . Those days are gone . Today , our standard deductible is $ 500 but I sell more deductibles of $ 1.000 and $ 2,500 . There 's a reason for this . In the past , say around 25 years ago , a homeowners policy was very basic and really only covered your home and contents with a few other ancillary coverages . The consumer was different , also . They usually only filed a claim for something big like a fire or tornado . About 20 years ago or so , insurance companies thought it would be a good idea to add more coverages for smaller things like refrigerated food and others . Then , a strange thing happened : People started claiming these things . You see , big claims like fires are very infrequent and the rates were built around these rarely occurring , big losses . They were n't prepared for the more frequent small losses . Therefore , a $ 100 deductible on a total loss does n't add much to the claim . However , insurance companies began seeing a lot of smaller claims and , now , that $ 100 deductible made it beneficial to the consumer to claim that $ 400 loss . In fact , they became so frequent that it was really hurting the insurance companies profitability . Every claim requires people to process it , adjust it , and make a payment . Insurance companies were seeing these costs skyrocket and they had no choice but to raise premiums to offset these costs . They finally reached a point where they had to discourage all these small losses . The way they did it ? they made the $ 100 and $ 250 deductible options a lot more expensive . So now , a $ 500 deductible is pretty standard , with higher deductibles saving quite a bit off the premiums . What does this mean for you ? First , realize that your homeowners policy was designed to cover the catastrophic losses , not the small things that happen more often . In Michigan , if you have 3 claims in a 3 year period that are n't weather-related , your company can cancel your policy . This will leave you in a spot where you may have to pay 3 or 4 times the premium your used to until you 're eligible again . A homeowners policy is not a maintenance contract . As a homeowner , things are going to happen and the responsibility for maintaining your home is yours . My advice is this : Take care of your home and pay for the small things and take a higher deductible . You 'll probably save more before you have claim than the difference in the deductible . In the long run , you 'll be protected against the big things and you 'll have more money in your pocket .


Input: Who Is Eligible For Part D Medicare?

Output: Everyone who qualifies for Part A and B Medicare also qualifies for Part D Medicare . Part D prescription drug coverage is provided through medicare approved and private insurance companies . Medicare Prescription Drug Plans -LRB- PDP 's -RRB- add drug coverage to traditional Medicare . Medicare Advantage Plans combine Part A , B and D into one policy -LRB- MA-PD 's -RRB- .


Input: How Good Is AARP Medigap Insurance?

Output: AARP Medigap plans are actually underwritten and administered by United Healthcare - AARP is a marketing company and political activist group . They do not underwrite or directly sell insurance plans . As Medigap plans feature standardized benefits , the coverage under each Medigap plan is exactly the same as it would be if you purchased the coverage from another carrier . If you were to compare plan F from another company such as Omaha , Anthem , Humana , Cigna , etc. , the coverage would be identical in every way to the plan F through United Heatlhcare . The only difference between the plans are the price the carrier charges . I hope the information is helpful - please feel free to contact me for assistance with your Medigap coverage including quotes and comparison and if you have any other questions . Thanks very much .


Input: Can Self Employed Get Disability Insurance?

Output: Yes , self employed people can and should purchase disability insurance . The underwriting can be a bit tougher than an employee on the financial side . You should be prepared to submit two years of tax returns both personal and corporate if that applies . Also , the financials of the business as well as overhead expenses if you wish to purchase a Business Overhead Expense policy along with your personal disability policy . This will all be in addition to the personal health underwriting . If applying for more than a $ 2,500 per month benefit , you will also very likely need to take a paramed exam .


Input: Can Self Employed Get Disability Insurance?

Output: Disability insurance is the vehicle to protect an individual or business from any unforeseen and/or unexpected sickness or accident . Self employed and employees both can qualify for disability insurance . The qualifications vary depending on the occupation field , health condition & amount of benefit that is requested . Also for business owners there is another portion of disability called Business Overhead Expense -LRB- BOE -RRB- to cover the business expenses not income during a sickness and/or disability .


Input: Can Self Employed Get Disability Insurance?

Output: Definitely as long as they can qualify health wise and they are not working in a hazardous occupation . Any independent agent familiar with disability insurance should be able to help you select a plan . It is important for a self employed person to have some type of disability insurance that will help to continue to pay overhead expenses and loss income .


Input: Why Are Republicans Against Medicare?

Output: Republicans are overwhelmingly in favor of protecting Medicare and ensuring it is available for many additional generations . And Democrats feel the same way . Republicans seem more willing to accept the belief that Medicare needs to be tweaked in order to maintaincontinuousand effective coverage in the future . Their view on Medicare Advantage plans also seems to be different than many of their counterparts . But in fairness , bothpartiesseemcommittedto saving Medicare benefits for everyone 's future . Their methods are a bit different , but there is still plenty of common ground that should allow both parties to effectively work together .


Input: Why Are Republicans Against Medicare?

Output: Where in the world did the questioner get this idea ? Any cursory check of the historical voting record of Republicans in Congress will demonstrate that they have been very supportive of this program . Let 's see , who came up with the Medicare Part D prescription drug program ? Oh , yes , President George Bush , not exactly known for being a Democratic party member now was he ? What many Republicans have been pointing out and trying to address is the fact that the Medicare program as it is currently constituted is financially unsustainable and that changes are needed to assure the program is there for the wave of retirees who will be moving onto Medicare in the years ahead . It is the democrat party that responds to any attempts to address the problem withhysteria and demagoguery -LRB- the commercial of a Paul Ryan look alike pushing an elderly lady in a wheel chair over a cliff is a recent example -RRB- . The questioner should also be aware that ObamaCare will transfer $ 700 billion over the next decadein what would have been increased spending for Medicare to help fund the Affordable Care Act 's provisions for those under age 65 . Perhaps you should ask why are the democrats wanting to harm Medicare ?


Input: Is A Thrift Savings Plan A Qualified Retirement Plan?

Output: The Thrift Savings Plan -LRB- TSP -RRB- is a tax deferred , defined contribution plan , similar to a 410 -LRB- k -RRB- , for civil service employees and retirees and members of the uniformed services . Employee contributions are deducted from payroll pretax and accumulate tax deferred . Distributions are taxable as ordinary income .


Input: What Is Annuity Kind Of Cash Flow?

Output: In finance , an annuity cash flows are any cash flow that you receive on a consistent basis during a certain period of time . The period of time can be time dependent -LRB- i.e. 20 years -RRB- or event dependent -LRB- the life of an individual -RRB- .


Input: Is Critical Illness Insurance Worth Having?

Output: A critical illness policy pays a lump sum , anywhere from $ 4,000.00 to $ 500,000.00 , in the event you were to have a critical illness . Examples , heart attack , stroke , cancer , major organ failure , loss of sight , hearing or speech , loss of 2 ADL 's . `` Activities of Daily Living '' , such as bathing , eating , transferring , dressing , toileting , & continence . Some policies also include coronary artery by pass , usually at a reduced benefit level.In the event you were to fall victim to one of these maladies , the bills do not stop because you can not work . The likelihood is that you would survive . I know of other policies , that offer a `` ROP '' or Return of Premium . In the event you never get to use the insurance , all premiums are paid to the estate . So really there is no risk for the client .


Input: Is Critical Illness Insurance Worth Having?

Output: I have known people who have collected on Critical Illness Insurance who have definitely felt that it was worth having . When you are diagnosed with a life threatening illness , the strain on you and your loved ones is enormous . Being handed a lump sum of money at this time is a silver lining that they say has a tremendous positive effect .


Input: What Is Health Springs Insurance?

Output: In my nearly 30 years in the business I have n't heard of a health insurance carrier by that name . Perhaps you mean HealthSpring , which is a Medicare Managed Care Organization or Medicare Advantage plan . HealthSpring operates in the Medicare markets in a few states and is a wholly owned subsidiary of CIGNA .


Input: When Does Life Insurance Make Sense?

Output: Life insurance makes sense when the death of a person would cause a financial hardship for someone else . Those impacted by the death can be a family member , lender , or business , among others . Life insurance especially makes sense when there is no feasible way to save up for the hardship that would be caused by that person 's death .


Input: When Does Life Insurance Make Sense?

Output: Life Insurance is all about protecting your family , business and supporting future income . If you have a family , and they depend on the income you bring home , then Life Insurance provides that lost income of you die prematurely . Life Insurance helps the family to maintain the living standard which you work hard to establish . Life Insurance protection replaces lost revenue from a key employee if they die unexpectedly . It allows you to protect your company if your business partner dies . Life Insurance can provide supplemental income during retirement or leading up to retirement .


Input: How Much Life Insurance Does My Wife Need?

Output: Many factors come into play . If your spouse is a working spouse , she should consider enough life insurance to cover her outstanding debts and a multiple of her income to replace lost earnings on her death . If she is a non-working spouse it is a bit more complicated . Estimate the cost of replacing her services as a homemaker and mother and factor that in .


Input: How Much Life Insurance Does My Wife Need?

Output: The current economic culture of the married presupposes both spouses working to maintain a household which has long term debt like mortgagees , medium term debt like auto loans and short term credit card debt . The house hold also includes future obligations like college planning , weddings and retirement . Establishing the total debt load and future obligations as well as the total earning power of the spouse is the beginning reference point for coverage .


Input: How Much Life Insurance Does My Wife Need?

Output: If your spouse works outside the home , it is probably a good idea to use the same type of calculations that you used to determine how much life insurance you should get . E.g. 10 times annual income . If there are some things that she does that you would not to be able to take over , but would need to hire out , you should add the cost of those fees into her coverage amount . If she is a full time homemaker , most companies will limit her coverage to the same amount as you have . That is actually a good amount for her to get , as you may need to relinquish part of your income to care for your family , if she should pass away . At the very least , you will have the added expense of child care .


Input: Can You Borrow Against Term Life Insurance?

Output: You can not borrow against Term Life Insurance to get cash from the Term policy , because there is no cash value in Term life insurance . But you can use your Term life insurance policy as collateral to get a loan in some situations . E.g. . The SBA often requires the purchase of a short term life insurance insurance policy when they issue loans . You would need to ask your lender if they are OK with collateral assignment of your policy as terms of obtaining a loan .


Input: Can You Borrow Against Term Life Insurance?

Output: Term Life has no cash value to borrow from . When a person borrows from an insurance policy it is not from the death benefit but rather the cash accumulation . Since term insurance has no cash value it would be impossible to borrow from the policy . Term insurance is like renting , when you leave there is no equity .


Input: Can You Borrow Against Term Life Insurance?

Output: Term Life Insurance has no cash value . But some term life insurance policies allow the policy owner to purchase a return of premium rider that can refund the premiums paid at the end of the term life insurance contract . There is also a secondary life settlement market for term contracts with conversion provisions for older policy insureds that may have value in the settlement market .


Input: Can I Enroll In Medicare After Age 65?

Output: Most people will be automatically enrolled in Medicare Part A and Part B at age 65 . You can delay your enrollment in Part B if you wish but this should only be done if you have other creditable coverage such as through an employer group health plan . Postponing Part B without creditable coverage could create a late enrollment penalty .


Input: How To Get Insurance When Buying A Used Car?

Output: Obtaining car insurance follows the same basic procedures regardless of whether you are buying a new car or a pre owned . Talk to your Insurance Professional and provide them with the year , make , model and Vehicle Identification Number -LRB- aka VIN -RRB- . Next discuss your coverage options and , if you are buying the insurance new as well , provide them with your full name , address , date of birth , Drivers License Number , and in most cases these days , your Social Security Number . They will then be able to complete the application for you to sign and collect the installment payment at which point you will be provided with a binder , receipt and temporary Insurance ID Card in order to register the car .


Input: How Do You Buy Annuities?

Output: Annuities require an application . In the application you must clearly identify yourself , the proposed annuitant and a beneficiary and perhaps a contingent beneficiary . You must identify the source of the money and your experience as an investor . If the annuity is being used in an existing plan , such as a school sponsored 403 -LRB- b -RRB- , the details of that plan must be included .


Input: How Do You Buy Annuities?

Output: To buy annuities , you shop for them from insurance agents . If purchasing a fixed or indexed annuity , the life insurance agent must be licensed in life insurance . If purchasing a variable annuity , the agent must also have some securities licenses . You will review the features of different options , make your decision , then pay the premium that puts your annuity into effect . If your money is tied up elsewhere , you may need to roll it over into the annuity .


Input: What Is 20 Year Level Term Life Insurance?

Output: Term insurance exists , unless it pays out , for its stated length - in the case of your question ,20 years and then ends . It does not accrue any cash value . Level term means the premium is the same for the entire twenty years . Some policies can be renewed without health questions at an age appropriate premium .


Input: What Is 20 Year Level Term Life Insurance?

Output: 20 year level term life insurance is referring to the guaranteed premium that remains the same for the death benefit amount . 20 year guaranteed level term life insurance is one of the most popular coverage durations in the country for those who want to indemnify their beneficiaries and business associate from financial loss from their own demise .


Input: Where To Get Health Insurance With A Preexisting Condition?

Output: Starting January 1 , 2014 you can not be denied coverage or charged more for health insurance on individual plans purchased either off or on the government 's Marketplace Exchange . If you are eligible for Medicaid or CHIP , those programs can not refuse you either with a pre-existing condition . Open enrollment is now going on for these plans . The only exception is grandfathered health care plans that you purchase yourself , not through an employer . These plans must have been purchased on or before March 23,2010 and not have changed or reduced their benefits to the insured to be considered grandfathered plans .


Input: How Much Life Insurance Does The Army Give?

Output: Members of the Uniformed Services are automatically enrolled for the maximum life insurance benefit of $ 400,000 through the VA program , Servicemembers ' Group Life Insurance -LRB- SGLI -RRB- . Members can choose to reduce it by $ 50,000 increments or cancel it entirely . This can be converted to the same amount of Veterans Group Life Insurance -LRB- VGLI -RRB- upon release of active duty or some other conditions .


Input: Can Long-Term Care Insurance Be Fixed?

Output: There is no need to `` fix '' long-term care insurance because it is not broken . However , our current system of how we as a societyassist the growing number of elderly who may have no one to take care of them is in need of serious repair . Right now , if one can not afford the cost of long-term care , they must become `` indigent '' , that is to say , have less that about $ 2,000 in liquid assets and make less than $ 35/mo . -LRB- those numbers are adjusted annually and may not be accurate -RRB- . Assets excluded from the equation are one 's house , one 's car , and approximately $ 91,000 in savings or checking for spousal support . If you have more than that you have to `` spend down '' in order to qualify for government assistance -LRB- Medicaid - in CA , Medical -RRB- . The problem is thatthose programs are not well-funded and may not have sufficient funds when the current baby-boomer demographic hits the age when many will need expensive long-term care . The private sector provides a solution to this problem in selling long-term care insurance to the general public . However , while highly valuable , it is also highly priced . In fact , the middle class , for which it was originally designed to help , have been priced out of the market . Agents are challenged to come up with coverage that middle class folk can afford . The state and federal government 's solution is Medicaid . However , without reform , Medicaid - a partnership between the federal government and the states - will likely run out of money within the next 10-15 years . No one wants that to happen , but no one is doing anything about it right now . A congressional commission has been meeting since the beginning of summer 2013 on the matter of long-term care and should be coming out soon with recommendations for confronting the problem of how we help our elderly die with dignity .


Input: What Coverage Do I Need For Home Owners Insurance?

Output: Great question . Most home owners policy comes in a package of coverage.Fire for the house and personal property coveragetheft of your personal propertyliability if you have a guest and they get hurt on your propertyloss of use coverage is a very important coverage as well good luck and always check with your current insurance agent


Input: Can I Qualify For Long Term Care Insurance?

Output: You have to pass the medical requirements and have the financial where withal to pay the premiums . The long term care insurance company will require your medical records from your attending physician and a depending upon your age a paramed exam that may include a blood and urine analysis .


Input: Does Your Health Insurance Cover You Out Of State?

Output: Hi , I 'm going to answer this question with a disclaimer . `` Please check your policy provisions and exclusions . '' Now It depends on a few things , do you have an HMO , PPO , POS etc. ... . A HMO may only cover you in the network coverage areathat you are in , and in that case there may be some coverage out of networkbut at a higher fee than if you went to a network Physician . If you like please feel free to contact me and I will try and help you sort through and find more answers . I hop that helps !


Input: How Do Life Insurance Annuities Work?

Output: Assuming you mean non-qualified annuities that are annuitized for the life of the annuitant -LRB- whether immediate or deferred -RRB- , heres a quick explanation . The annuitized payment is guaranteed to pay life time income based on the annuitants life no matter how long the annuitant lives . Part of the annuitized payment is return of basis -LRB- tax free -RRB- amortized to life expectancy with some of the gain as well . When the basis is exhausted then the payment is entirely gain and taxable as ordinary income .


Input: How Does Roth 401K Affect Taxes?

Output: That is a great question ! When you make contributions to your Roth IRA , those contributions are made after you are taxed on them . When you make contributions to your companies 401k , for example , those contributions are subtracted from your income before the remainder of the income is taxed . Since Uncle Sam did n't get his slice of tax on your 401k money , he takes it when you make your withdrawals . In your Roth 's case , you 've already paid him , so your Roth withdrawals are not taxed . So your contributions , -LRB- up to $ 5500 , $ 6500 if you are 50 + -RRB- are made after tax -LRB- and can not be deducted on your income tax forms -RRB- , and your withdrawals tax free , as long as they meet the 5 year , or 59 1/2 year old rule . If you withdraw more than what you 've paid in before that time , the gains are taxable , so be careful . I hope that clears it up for you , if not , please feel free to contact me , and I 'll walk you through it . Thanks for asking !


Input: What Information Do I Need To Get Home Insurance?

Output: Much of the information required to underwrite your homeowners policy is public information . What you need to know is that you have an agent that you trust . The next thing is to answer every question about the property to the best of your ability . Make sure all that information is sent to the insurance company and check the policy when it arrives to make sure that it is exactly what you ordered .


Input: How Much Renters Insurance Do I Need For An Apartment?

Output: That is a question I get asked everyday . It truly depends on how much `` stuff '' you own and want replaced . Many insurers have a minimum amount of coverage needed for replacement coverage to be part of the policy . Typically it is $ 20,000 . You want to have replacement coverage so that your items are replaced with new items , not depreciated costs . A TV you purchased 3 years ago is worth much less than its replacement . A good rule of thumb to use is $ 10,000 per room rented . This may seem like a lot at first , but when you start adding everything up over time that you have purchased , you will see that it is reasonable .


Input: What Should I Expect To Pay For Homeowners Insurance?

Output: Homeowners Insurance Rates vary based on risk which is different in every area all over the nation . Geographic location , age of dwelling , recent major updates , security enhancements , claims experience and coverage amount are all factors that affect premium charged for home insurance coverage . In order to obtain a Homeowners Insurance Quote Online , there is a link providing a self service format to receive a quote and buy home insurance online in multiple States ; it may be used by Escrow/Closing Professionals , Mortgage Professionals , Real Estate Agents and directly by Consumers . An exemplary online experience for all ! WEBSITELINK


Input: What Is An Average Price For Homeowners Insurance?

Output: A quick estimate by looking at policies I have written would be about $ 850 but that wont help you very much . Homes are not the same ! Find a competent agent that you can trust . Give that agent all the information that is requested . Make sure they give the company that information . Follow his recommendations . Read your policy when it arrives . Ask questions . The cost for not having the policy can be much higher than the cost of the insurance .


Input: How Can Annuities Be Used For Retirement?

Output: That is an excellent question ! One of the biggest fears of retirement is running out of money . What happens if I live longer than my retirement fund will last ? This is a very real problem , as Americans are living longer , -LRB- On average , 15 years after retiring -RRB- on small retirement funds -LRB- average 3 years worth -RRB- . Social Security benefits are not enough , and long term health care costs evaporate what little funds there were very quickly . Annuities are a great way to provide a steady monthly income , or to help with long term care costs . Your annuity will pay out a steady payment to you , and many now have provisions for doubling or even tripling that payment for a period of time to help pay for those LTC costs . Annuities are not the best investment for everyone because of the way they are structured , so it is important that you discuss this with an advisor that you trust , okay ? Thanks for asking !


Input: How Can Annuities Be Used For Retirement?

Output: How can annuities be used for retirement ? Well a couple of ways . First , annuities can be used for payouts . You can not outlive an annuity payout stream . An immediate annuity can provide a safe income stream while retired . Second , you can use a deferred annuity to safely continue to invest and grow funds to use at a later date .


Input: How Can Annuities Be Used For Retirement?

Output: Annuities are used for retirement as a source of regular income . Your annuity is tax deferred until you take out payments . The contributions you put into an annuity are not taxed , and the earnings are taxed at your tax rate during retirement . Therefore , they can be a tax favorable way of earning supplemental income during retirement . If you take out an immediate annuity , you contribute a lump sum and can begin to take out regular payments nearly immediately . A deferred annuity allows you to make payments into it over a number of years , then annuitize the annuity to receive regular payments . These payments are generally used to add to Social Security benefits and other income during retirement . Variable annuities make your annuity more of an investment , with the risks that come with variable products . Indexed annuities also allow for more growth but protect the original contribution .


Input: How Can Annuities Be Used For Retirement?

Output: An annuity addresses the most pressing question among retirees , How long will my savings last ? In exchange for a sum of money the company will guarantee a monthly income for as long as the annuitant -LRB- or the annuitant and another party -RRB- survive . There are modifications of this basic idea designed to fit specific needs .


Input: Should Home Insurance Be In Joint Names?

Output: The named insured of a homeowners policy should read just like the title to the property . Sometimes insurance companies are reluctant to name a living trust as the insured in which case the names of the natural people involved should be listed with the trust listed as an additional insured .


Input: Why Should You Purchase Disability Insurance?

Output: Disability insurance is one of the most under sold insurance products in the market . The fact is an average person is 8 times more likely to become disabled than to die . It can have an expensive premium depending on your underwriting class , but at claim time you will be glad you purchased it . Most people depend on the US government for their disability benefits known as SSI through their Social Security . This process takes a minimum of 9 months to complete and most folks are in dire straits financially before receiving their benefits . I would suggest at a minimum purchasing a short term disability plan . This plan will have a shorter elimination time and pay benefits faster in case of an illness or injury so severe you can no longer work . A good long term disability will coordinate with your SSI to pay benefits as far out as 67 years old and up to 70 % of your income . Also buyer beware of cheaper accident only disability plans . Statistically 90 % of all worker related long term disability claims are illness related not injury related


Input: Why Should You Purchase Disability Insurance?

Output: There are a number of reasons , the primary being that , should you become disabled the bills do not stop coming in . Case in point , a close friend recently had a triple bi-pass operation . He has been off work for three months . Could you make your house payment , pay your utilities and credit card bills , buy food and other necessities if you had no pay coming in during that period ? If you own a business , would your business be able to continue to operate ? How long would you be able to make it without your paycheck ? How much of a dent would it put into your retirement or college fund ? Disability and Medical Expenses are the leading cause of bankruptcy in the USA . Why not protect your family from the devastating effects of disability ?


Input: Why Should You Purchase Disability Insurance?

Output: The number one asset you have is the ability to produce income . Disability insurance is paycheck insurance if you cant work . Most American workers have 90 days in cash reserves . The average disability is 31 months . The odds are much greater that youll experience a disability event than dying .


Input: What Is Medicare ESRD?

Output: ESRD stands for End-Stage Renal Disease . This represents a complete kidney failure requiring dialysis or a kidney transplant . ESRD is one way that people can qualify for Medicare before they turn 65 . However , many Medicare Supplements and Medicare Advantage plans will not accept patients who have Medicare because of ESRD .


Input: Why Do People Purchase Life Insurance?

Output: People generally purchase life insurance to protect their family members , business partners and charities who depend on them from financial liability and loss of income . This includes future obligations as well like college education , retirement funding or estate tax planning . Protecting beneficiaries is at the heart of why people buy life insurance .


Input: Why Do People Purchase Life Insurance?

Output: Why do people purchase life insurance ? Well , there are as many reasons that people buy life insurance as days in the year . An individual 's reason might range from securing debt obligations , to making sure their family does n't collapse upon their passing . Sometimes it is broken down in the simplest terms of you buy life insurance because you love someone more than yourself or you owe someone something and must secure the obligation . Between those two mentioned reasons are thousands of others .


Input: Why Is Motorcycle Insurance So Cheap?

Output: There may be any number of reasons but perhaps key reasons have to do with the size and valuse of a bike vs a car and seasonal use considerations . Let 's talk about size . A motorcycle can certainly be substantial , but it is in general much lighter and has less mass when compared to a car . As a result , the relative damage that is could do to another vehicle may be less , which can therefore effect the liability pricing . As for physical damage -LRB- comp and collision -RRB- here too , in a great many cases , a car may carry a higher value than a bike , thus effecting the comp and collision picing . Finally , there is the seasonal aspect . Here in CT for example , we can not ride 365 days out of the year like you lucky riders in warmer states can . Thus , because our bikes are on the road less , insurance companies may charge less because of the decreased exposure .


Input: How To Register For Medicare At 65?

Output: To register for Medicare at age 65 , you can go to your local Social Security office , sign up online at WEBSITELINK , or call1-800-772-1213 . You should register in the three months before or after the month of your 65th birthday , or the month of your 65th birthday . If you are receiving Social Security benefits at age 65 , you will automatically be enrolled in Medicare Part A and B .


Input: Does Credit Score Affect Renters Insurance?

Output: Credit score can effect the rates that you are charged for any insurance coverage that you seek . Remember though this is typically only a small part of the factors that go into determine the rate that your pay for the coverage that you seek . To the best of my knowledge all carriers will provide you with a free quote . Shop around if you need to , but I always recommend that you purchase coverage from a local agent that you are comfortable with as they are going to be the one that you turn to when you have questions or concerns .


Input: How To Get Life Insurance With Hepatitis C?

Output: Great answer Peggy but there is also another way . There is a Group Plan offered to individuals and there are no medical questions . There is a requirement that you must be working at least 20 hours per week when you purchase . It is very inexpensive comparatively speaking and you can buy $ 10,000 to $ 100,000 in coverage . An example of the pricing is as follows : 49 year old $ 1000,000 in coverage is less than $ 90.00 per month and $ 50,000 is around $ 62.00 per month with a one time application fee . Contact me for more information or go to www.myababenefits.com/roco


Input: How To Get Life Insurance With Hepatitis C?

Output: You have two ways to get life insurance with Hepatitis C . One is to go with a simplified issue or guaranteed issue policy , and one is to go with a medically underwritten policy . The simplified issue policy will have a limited number of health questions and will not require an exam . The guaranteed issue policy will have no health questions and not require an exam . Both options are a fairly certain way to get a policy . The face amount will be limited -LRB- possibly a maximum of $ 25,000 or less , but some policies offer more coverage -RRB- . And it may be graded -LRB- pays a reduced benefit for natural death during the first years of the policy -RRB- . If you have cirrhosis of the liver , this is most likely your only option . And some people choose this because it is easy and they do not need a large policy . If you do want over $ 25,000 of coverage , you would pay far less by applying for a medically underwritten policy , if you can qualify for it . If your liver labs are fairly normal and you have had a biopsy and there is no liver damage , this could be a good choice for you . If your labs are normal and you have not had a biopsy , the rates may be higher , but it still is an option . If you have had successful treatment that has shown eradication of the Hep C a year after your treatment ends , you will get the lowest rates . Some genotypes of hepatitis C , or failed treatment , or high lab results , may make it necessary to go the simplified or guaranteed issue route . Hepatitis C is a complicated disease and you should use an insurance agency that specializes in insurance for persons with Hep C to help save you time and money .


Input: What Does Renters Insurance Provide?

Output: Renters Insurance covers your personal property for perils such as Fire , Lightening , Vandalism , Theft , Wind , and some other named perils subject to a deductible . It will also cover you for liability if you are sued because someone is injured in or around your apartment or house and the cause was your fault .


Input: Is Term Life Insurance Guaranteed?

Output: There are guarantees in a term life insurance policy . Normally the premium is guaranteed both for the term specified and future renewals if the owner decides to exercise that option . Often there is a guarantee of insurability that allows a policyholder to convert the policy to a permanent form of life insurance . The death benefit is guaranteed to remain the same as long as premiums are paid on time . There can be other guarantees such as waiver of premium .


Input: Is Term Life Insurance Guaranteed?

Output: Term life insurance can have a couple of different guarantees . The first guarantee is the premiums are guaranteed level for the term purchased . For example , a 20 year term life insurance policy has guaranteed level premiums for 20 years regardless of change in health , location or occupation . The second type of guarantee is the renewability of the term policy . You may purchase the above mentioned 20 year term policy with level premiums for 20 years , but the policy may be guaranteed until age 85 , of course for a much higher premium .


Input: Is Term Life Insurance Guaranteed?

Output: Term life insurance usually has a guaranteed premium for the number of years in the term . Sometimes the premium is guaranteed for part of the term , then can go up for the remainder of the term . Please ask about the conditions of the policy to know for sure whether your premium is guaranteed not to go up for the entire term . The face amount is usually guaranteed not to go down for the entire term . Again , inquire about the policy so that you know if your premium and face amount are guaranteed to stay level for the entire term .


Input: Does Auto Insurance Cover Driving Someone Else'S Car?

Output: In California insurance follows the car , not the driver . The car is associated with a household and the drivers in the household are named on the policy . If you are driving a car that doesnt belong to you and are at fault in an accident , the insurance carried by the owner of the car on that car will be primary coverage . If the claims on the policy exceed the limits of the policy the policy where you are named as a driver will provide additional coverage up to the limits of that policy .


Input: Does Auto Insurance Cover Driving Someone Else'S Car?

Output: It depends on laws in your state and your policy . In most cases your insurance will cover you no matter whose car you drive . Remember , insurance always follow the driver first and then the car . Some policies will only cover named drivers , but this is not the norm . As a rule however , if you have insurance your insurance will pay for liability if you are involved in an at fault accident .


Input: What Is The Right Amount Of Life Insurance?

Output: Who do you love ? How will your premature death affect them ? How can you arrange your finances so that they will have enough money to survive and perhaps even thrive ? For most people the desire is to see debts retired and an adequate income for those that they love . Fortunately with live insurance that can be arranged in such a way as to actually improve retirement prospects at the same time .


Input: What Is The Right Amount Of Life Insurance?

Output: Are you married ? Kids ? Mortgage ? Plan for college payments and paying the mortgage and helping out the kids until they are on their own . What is your own financial situation . Figure anywhere from two to ten times your annual income , depending on the factors above . Plan for inflation . Thank you . GARY LANE .


Input: What Is The Right Amount Of Life Insurance?

Output: Complete a life insurance needs analysis - there are general worksheets that you can google for , however , to get the most accurate picture , you should talk with an experienced life insurance broker . The purpose of the insurance is a driving factor in determining how much and how long you need the coverage for -LRB- e.g. paying off a mortgage , income replacement , estate planning , family protection , etc. -RRB- . Someone only looking to pay off debts only `` needs '' the coverage til the debt is paid off . For example , if you have a $ 500,000 mortgage that should be paid off in 30 years , you would only `` need '' the coverage for 30 years , so a term insurance policy may be more suitable to the need than a permanent policy . If you 're looking to provide income for your family in the event of your death , you may want a combination of term and permanent coverage . Once you 've figured out how much coverage you want and how long you need it for , you then need to find the carrier 's program that is going to offer the coverage at the lowest possible cost . This is where the risk classification comes in . This is one of the MOST critical items when buying insurance because it 's what determines the premiums for the coverage you 're applying for . You also want to make sure of the type of coverage you have - full coverage or Accidental Death & Dismemberment -LRB- AD&D -RRB- . With full coverage , the proceeds are paid out whether death occurs by illness or injury . Under an AD&D policy , the policy only pays out if you die by a specified circumstance -LRB- e.g. a car crash -RRB- - if you die by illness and you have an AD&D policy , then the policy will not pay a death benefit . This is important because people see the price of an AD&D policy and it looks very attractive because it 's cheap . That 's because you 're more likely to die by illness than you are of an injury . Work with an experienced independent life insurance agent/broker . Doing the research on your own can be extremely time consuming and you may not always find the information you 're looking for . Independent brokers have an extensive knowledge of the subject matter and know the differences between products that are available in the marketplace . Please feel free to contact me for help or if you have any other questions . Thanks very much .


Input: Is Critical Illness Insurance Same As PPI?

Output: PPI -LRB- Payment Protection Insurance -RRB- is an insurance policy offered in England , Wales , Scotland and Northern Ireland that will make your payments for your large loan or mortgage if you became unable to work due to illness , accident , disability or job loss . It may have a death benefit that will pay off your large loan or mortgage if you die . Critical Illness Insurance will pay you a lump sum upon being diagnosed with some serious illnesses or health conditions . You are then able to use that money to pay for bills , health care , or however you wish .


Input: How Much Car Insurance Should I Carry In Texas?

Output: Minimum limits are 30/60/25 . In my opinion , those limits are never enough . We suggest 50/100/100 as your liability limit to avoid any possibility of lawsuit . the price difference is not very much and it always easier to come up $ 10-15 rather than get sued and have to come up with $ 10,000 to 30,000 . We have had several customers who are being sued because we did not want to push the higher limits . Its not always about how much money the agent is going to get in commission . We want to avoid you any hassles .


Input: How Much Car Insurance Should I Carry In Texas?

Output: Minimum limits are now 25/50/15 . They use to be 15/30/15 , however , Texas a few years ago began adopting ISO -LRB- national standards -RRB- and so have gone mostly to 25/50/15 . I am sure there are some county mutuals and some Lloyd 's syndicates that still retain the old limits or worse . Please take a little advice and just look at least purchasing 100/300/100 or 300,000 csl . Also , you can get very reasonable -LRB- around $ 120 -RRB- for a 1 million dollar umbrella liability policy if you have the higher standard limits . This can provide your passengers some great coverage thru the UM/UMI plan of your auto policy


Input: When Does 401K Become Vested?

Output: The 401 -LRB- k -RRB- is a plan instituted by your employer . The documents describing the plan are available from the employer . If the employer is contributing to the plan that portion is normally subject to a vesting schedule . There are prescribed ways of implementing the vesting schedule but the employer is the one that selects the schedule used in your company . The vesting schedule shows you the relationship between years in the plan and the percentage of the employers contributions that are available to you . The schedule calls for 100 % vesting at some point .


Input: When Does 401K Become Vested?

Output: When does a 401k become vested ? Usually no more than 6 years for most vesting schedules . Depending on your plan offered by your employer you can be fully vested after entering the plan on day one and anywhere in between up to those 6 years . You should be able to get a plan summary from your employers HR department that will provide you with the specifics for your particular plan . Oh , as a side note , your contributions to a 401k are always fully vested .


Input: Can Pension Plans Be Rolled Over?

Output: Pension plans are employer sponsored programs . Generally speaking you can only withdraw money from your account -LRB- if this is a 401 -LRB- k -RRB- plan -RRB- under circumstances approved in the plan document . If you leave employment rolling your plan into another similar plan or an IRA is generally allowed . Some plans encourage you to roll your money out of the current plan .


Input: Much Does Health Insurance Cost Small Business?

Output: Group health insurance quotes are based on the size of your business , the industrys SIC code , age of employees , and average employee health -LRB- except in Maryland , which requires no medical underwriting -RRB- . There are no instant online quotes for group health insurance for these reasons . To get a quote for group coverage , you 'll need to contact a health insurance agent - working with an independent one will allow you to shop for quotes from multiple companies in one place . I hope the information is helpful - please feel free to contact me for help with your health insurance needs and if you have any other questions . Thanks very much .


Input: Much Does Health Insurance Cost Small Business?

Output: Great question . With most insurance companies , the employer is obligated to pay at least 25-50 % of the employees plan . The plan cost itself will depend upon the benefits that you want for your employees . So for example if you get a plan that is 250.00 per employee , you have 4 employees and pay 50 % . You are looking at about $ 500.00 per month , 25 % would be $ 250.00 per month .


Input: When Will Medicare Pay For A Wheelchair?

Output: It has to Medically necessary and prescribed by your doctor . Medicare will approve or disapprove the use of mobility devices based on the ability of the beneficiary . From what I have seen , it depends on the person who looks at the claim whether it is approved or not .


Input: What Is An HSA Health Insurance Plan?

Output: An HSA is a Health Savings Account . If your employer offers it as a benefit , you should take advantage of it . It allows you to have available for medically related needs , a set limit of pre-taxed money which is typicallyset aside for you through a payroll deduction . Medical needs for which the HSA funds can usually be available are : doctor , visits , physicals , surgery , eye-glasses , prescriptions , etc. .


Input: Is An Esop A Qualified Retirement Plan?

Output: An ESOP can be a qualified retirement plan or non-qualified . It all depends on how the plan is set up and the intent of the business owner . As a qualified ESOP , the plan must be filed with the DOL and IRS and approved . A non-qualified plan has fewer requirements and normally includes a substantial risk of forfeiture .


Input: At What Age Do I Sign Up For Medicare?

Output: If you are receiving Social Security benefits at age 65 , you will be enrolled automatically in Medicare Part A and Part B . If you are not yet receiving Social Security benefits at age 65 , you can sign up three months prior to the month of your 65th birthday , the month of your 65th birthday , and three months after the month of your 65th birthday .


Input: How Much Does Renters Insurance Cost Per Year?

Output: Renters insurance within my area typically starts at about $ 85/yr for 10000 coverage and can go to hundreds or even thousands of dollars per year depending on many factors . Some of those factors are the amount of coverage you are seeking , the number units in the building , fire and security protections , age of building , and many more .


Input: How Much Does Renters Insurance Cost Per Year?

Output: Renters insurance will vary in price depending on your geographic location , the amount of personal property that you own , and other factors such as whether the building is sprinklered or not . I have seen renters policy 's as low as about $ 90 per year or the skies the limit for the top end . Please contact your local agent to discuss your need and get a better idea of what it would cost in your particular situation .


Input: Is My Life Insurance Tax Deductible?

Output: Generally speaking , the answer is no . The good news is that the proceeds -LRB- death benefit -RRB- are not includable in gross income for income tax purposes . You are trading a small amount of deduction for a potentially huge tax free benefit . For this reason alone there hasnt been much demand for deductible life insurance .


Input: Is My Life Insurance Tax Deductible?

Output: Excellent question . Before I try to tackle this , please realize I am not a tax advisor so this response should not be used as tax advice , always consult your tax professional . Typically , since the death benefits of life insurance are tax-free -LRB- although the amount of the death benefit could push one over the exclusion amount for estate taxes -RRB- the premiums paid for life insurance would not be tax-deductible . Typically , the IRS does n't like for us to be able to use tax-deductible dollars to fund something that is tax-free . Although , I 'm always on the lookout for a loop-hole that allows it ! :-RRB- I hope that helps , if you have something more specific please let me know .


Input: Is My Life Insurance Tax Deductible?

Output: Would n't that be nice if it were ... Unfortunately , it is not unless you have named a Qualified Charity as the Irrevocable Beneficiary . So , unless you have a special charity you are looking to donate to , Life Insurance is Not Tax Deductible . But the good news is , the Death Proceeds are in most cases , Tax Free ...


Input: Will Long Term Care Insurance Cover Assisted Living?

Output: Of course every long term care insurance policy differs in its own contractual language regarding assisted living , but in general terms their policy provisions accommodate it . Its usually in the best interest of the company and the insured to pay for home care , than nursing home care . Extended care at home is an ever popular choice among seniors .


Input: Will Long Term Care Insurance Cover Assisted Living?

Output: Yes , Long Term Care insurance policies at the present time usually cover alternatives to nursing home care such as living in an assisted living center where medications are given . It can also pay for services in residential facilities or in one 's own home , where home health care is provided . When purchasing a policy be sure to pick the features that will allow you the freedom to choose the type of care you would prefer to have if even unable to live independently .


Input: Can I Pay My Car Insurance With A Credit Card?

Output: Every insurance company is different , but generally speaking , most companies will accept credit cards . However , the ones that do accept credit card payments may or may not accept the card the your are trying to use . So in short , you can usually use a credit card to pay for for insurance , but just contact your local insurance professional or carrier to make sure . Thanks for asking !


Input: Can I Pay My Car Insurance With A Credit Card?

Output: Talk to your Insurance Professional about the payment options offered by your Auto Insurance Company . These days , most companies offer a wide variety of payment plans to best suit their policyholders needs . Quite a few offer the ability to pay by bank card as an option . In some cases , your billing account may even be able to be set up for recurring bank card payment processing . This means that each month , with your permission , your insurance company would automatically bill your bank card of choice to automatically process your insurance installments . It is very possible that your insurance company offers this or something like it .


Input: Can I Pay My Car Insurance With A Credit Card?

Output: The answer here is typically yes . Over the past decade or so carriers have built sufficient billing capabilities to handle debit or credit card payments . Note to yourself that credit and debit cards can be used or limited in an important way . Some carriers will allow the down payment on new polices to made on a credit or debit but not subsequent billings . Other companies will allow and are set up to make recurring credit or debit transactions . There is an ease of doing the recurring credit card transactions , however try to remember to advise every such authorized party in the event that your credit card account or number changes . While we discuss this let me point one simple thing you can do to stay on top of credit cards , Put them on a scannable device and make your self a copy of both front and back . This can assist you if your wallet is lost or stolen .


Input: Can I Use My Car Insurance For A Rental Car?

Output: Generally your personal auto insurance policy extends to the temporary use of a rental car in the US and territories . That said , if you own an older car and do not insure it for collision coverage , you will not have collision coverage on the rental car . You would want to include the coverage on your rental agreement . You should check with your insurance professional to avoid costly problems later !


Input: When Is Open Season For Medicare Part B?

Output: Medicare Part B has several enrollment periods that you should be aware of . The enrollment period that you may qualify for may vary based on what your current situation is . The first Medicare Part B enrollment period that most people experience is the `` Initial Enrollment Period '' . This is a 7 month window that starts 6 months before the first day of the month in which you turn 65 and lasts 6 months after the month in which you turn 65 . If you enroll in Part B using this enrollment period your medicare Part B will start on the first day of the month you turn 65 or if you enroll after your 65 birthday your coverage will begin on the first day of the following month . The Part B `` General Enrollment Period '' is for individuals over 65 that do not currently have medicare part B or other creditable health coverage . This period is from Jan 1st through march 31st every year . If you enroll in part B using this General Enrollment Period your Part B coverage will start on July 1st of the same year . There is also a `` Special Enrollment Period '' that begins 63 days before and ends 63 days after the date you lost creditable health coverage from an active employer . You may also qualify for an 8 month Enrollment period that begins on the day you lose employment and/or employment based group health coverage .


Input: When Can I Get Part B Medicare?

Output: For most people , you can get Medicare Part B when you turn age 65 . You can sign up for Medicare Part B by going to your local Social Security office or you can do it online at www.SSA.gov . It is also best to consider what type of Medicare Supplement you will need . You can review plans several months prior to getting your Medicare Part B and you can submit the application ahead of time . By doing this you can then have your Medicare Supplement have the same effective date as the Medicare Part B. Medicare Part A & B only covers about 80 % of the costs so people get a supplement to cover the difference . Medicare along with a supplement -LRB- Medigap -RRB- is great health insurance . You can go to our website for more information about Medicare Part B and Medicare Supplement information .


Input: Can You Rollover Annuities?

Output: An annuity rollover from one annuity to another is generally a tax free 1035 exchange . The rollover needs to be in the same non-qualified or qualified category . This permits the transfer one annuity to another annuity without incurring a taxable event on the gain in the policy . A 1035 exchange also includes the notification of the policy surrender from the replacing company to the existing company .


Input: Does Health Insurance Cover Rehab?

Output: The actual benefits depend on your plan . Typically it is included with most Mayor Medical plans , but the only way to be sure is to either check you Summary of Benefits book or call the Insurance company and that number should be on the back of your actual insurance card .


Input: Can The Irs Take A Life Insurance Check?

Output: Interesting . Life insurance death benefit proceeds generally are distrusted tax free to the policy beneficiaries . Those funds are generally deposited into the beneficiary bank account . Once those funds are commingled with other monies deposited into the account , they are subject for collections by the IRS as assets to satisfy taxes and penalties owed .


Input: How Long Does It Take To Collect Life Insurance After Death?

Output: It depends on how fast you can collect the necessary documentation . When the death of the insured occurs , you need to collect the obituary , the certificate of death and add a cover letter outlining the event to the life insurance company . In general the death claims proceeds should be paid out 30-60 days after the receipt of these documents . The time could be longer in death occurred in the contestability period , generally the first two first from the date of coverage .


Input: Does Medicare Accept Paper Claims?

Output: I suppose Medicare can accept paper claims but I am not aware of any providers that submit paper claims . All provider claims for several years have been submitted electronically . Any medical provider that treats a Medicare beneficiary is required to file claims with Medicare regardless of whether they accept assignment or not .


Input: Is Whole Life Insurance A Good Idea?

Output: Participating whole life insurance is a cash value permanent product for protection and cash accumulation . And like all products must be suitable for the prospective purchaser based on their personal financial profile . There are other forms of guaranteed life insurance that are generally cheaper than whole life for coverage , but long term conservative savers who value guarantees and tax advantages may be candidates for whole life .


Input: Is Whole Life Insurance A Good Idea?

Output: Product suitability is determined by a personal financial profile that includes a risk tolerance assessment , financial goals and life expectancy . Whole life insurance , participating whole life insurance is a permanent life insurance policy with annual dividends . Generally guaranteed universal life ins cheaper than whole life for indemnification scenarios , whole life as a supplemental retirement fund may be a consideration for conservative savers if the policy is designed for cash accumulation .


Input: Who Has The Lowest Home Insurance Rates?

Output: The lowest homeowner 's insurance rates are offered by many different carriers , depending where you live . For example , in your area , Farmers or State Farm may be the best option . In another area , it may be Nationwide or Geico . And ... rates change so it 's important to properly shop every 3-5 years just to make sure you 're getting a respectable rate .


Input: Does Navy Federal Have Roth IRA?

Output: Navy Federal Credit Union offers both Traditional and Roth IRA 's . Contributions can be made as long as you have earned income and are below the age of 70 1/2 . There are hundreds -LRB- probably thousands -RRB- of other companies that offer both Traditional and Roth IRA 's as well . It is always best to compare a few before deciding .


Input: What Are Enhanced Annuities?

Output: Enhanced annuities are also called impaired annuities . When calculating how much lump sum premium is needed to provide a given income for your lifetime , insurance companies use actuarial tables . These tables are based on age , sex and health . If your life expectancy is much lower based on a health impairment for example you could apply for an enhanced annuity . If approved your level of income would be higher . That is a simple explanation of a potentially complex subject . If you have further questions , or feel that I could be of assistance , please do not hesitate to contact me . If you would like to work with a local life insurance broker , you could start with a Google search . For example , if you search for : life insurance broker Halifax or life insurance agent Halifax , my name , along with several others , will come up . You can use the same method to find a life insurance broker in your community .


Input: Does Ivy Tech Offer Health Insurance?

Output: You will have to contact Ivy Tech to determine if they offer health insurance . They can be reached by phone or email . You can also write them a letter or visit them in person . If they do not offer coverage , you can purchase affordable healthcare from a reputable experience broker .


Input: Does Renters Insurance Cover Subletters?

Output: More than likely not . Insurance policy 's are written for a specific person -LRB- and ther immediate family member living in the same residence -RRB- . Transfering a coverage from one insured to another is virtually impossible and have the policy premium be proper for the risk that the carrier assumes for the risk .


Input: Does Renters Insurance Cover Subletters?

Output: Renter -LRB- Tenant-Homeowner -RRB- type policies cover the personal property , additional living expense and personal liability of the person -LRB- s -RRB- named as insured on the policy . The spouse and/or relatives residing with the named insured are often considered insureds even though not named . Therefore if I understand the question correctly , sub-letters would not be considered `` insureds '' on a renter 's policy and would have to -LRB- and should -RRB- secure their own coverage .


Input: Are Life Insurance Proceeds Taxable In Missouri?

Output: Life insurance proceeds generally pass to the the beneficiaries of the policy tax free . There are exceptions for business scenarios where the proceeds are subject to the AMT and estates that are larger than the unified credit or resident state exemptions . Consult your tax attorney for specifics in your state .


Input: Are Life Insurance Proceeds Taxable In Missouri?

Output: Life insurance proceeds in Missouri are not subject to income tax when the beneficiary of the policy is not the estate . When the beneficiary is the estate -LRB- due to being named as the estate , or by default because there are no living beneficiaries on the policy -RRB- , the proceeds will go through probate and incur income taxes .


Input: What should recent college grads do about insurance?

Output: If you are asking about life insurance , it is a good idea to get life insurance as soon as you get a job and can pay for it . While federal student loans are generally discharged if the borrower dies , PLUS loans and private loans may become the responsibility of the surviving spouse and/or parent -LRB- s -RRB- . Even if you do n't have student loans , your parents may have tapped out their resources putting you through college , so having a final expense policy would be nice in case of tragedy . Of course , if you have a spouse and/or children , life insurance is very important . Again , it is easy to get reasonably priced life insurance for most recent college graduates . Many underwriters will also allow you to get more coverage than you first qualify for , based on expected increase in earning . Please let me know if we can help .


Input: What should recent college grads do about insurance?

Output: That is a great question !! I 'm really pleased to see you looking already at your future , that 's a great thing ! My advice : Health insurance , stay on your parents ' until you 're 26 , then go to the www.healthcare.gov site and get a policy for yourself , as you most likely will qualify for a subsidy to help pay for it . Life insurance , find a whole life policy that will allow you to buy a minimum amount , but will allow you the option to increase your coverage as you become more solid financially . I have several companies that I work with that will allow you to do that , and since you are young , and in good health , the premiums are pretty reasonable to start out with . If the parents have you on their auto insurance , beg them to let you stay there . If the parents or someone co-signed loans for you , you may want to consider covering that debt with a term life policy , just in case , either in addition to , or in place of -LRB- in addition to is preferable -RRB- your whole life policy.Live at home , and save on renter 's insurance . In all seriousness , take the advice about the health and life insurances . Congratulations on your accomplishment , graduating college is something that you should be very proud of doing ! Thanks for asking !


Input: What should recent college grads do about insurance?

Output: You need insurance whenever you can not afford a loss . That loss could be a vehicle , an apartment , or your life . The largest threat is a lawsuit so protect yourself from that with a tenants policy and auto insurance . If you love anyone or have obligations , then life insurance is also necessary . Wherever you think you have an exposure to loss ask an insurance agent about it .


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

Output: You qualify for long term care insurance by filling out an application and taking an exam , just as if applying for life insurance . If your health does not show strong risk for developing conditions that would require long term care , and if you do not have other risks such as recent drug treatment , you should be able to qualify for the policy .


Input: What Is Non Cancellable Disability Insurance?

Output: Non-Cancellable is the strongest policy provision in Disability Insurance . The premiums stay the same through the policy periods definition duration . Guaranteed renewable is often thought of as non-cancellable , but its not . Premiums could go up .


Input: What Qualifies For Medicare Disability?

Output: When a person is on Social Security Disability for two years that person can qualify for Medicare benefits . The person would automatically be enrolled when he or she is eligible . At that point he or she would need to enroll in a Medicare Part D prescription drug plan . A good local independent agent knowledgeable of , and certified to offer these plans , can help you make the choice that best fits your situation .


Input: How To Apply For Medicare Part C?

Output: Medicare Part C is another name for Medicare Advantage plans . You can apply for Advantage plans when you are first eligible and enrolled in Medicare Part A and Part B . You may also enroll during the annual enrollment period that runs from October to December of every year -LRB- exact start and end dates vary from year to year -RRB- .


Input: Can An Employer Have More Than One Retirement Plan?

Output: The short answer is yes . And here 's an example : A popular employer sponsored qualified retirement plan strategy is to use a 401 -LRB- k -RRB- and a cash balance plan in combination , leveraging the contribution limits for employer . The 401 -LRB- K -RRB- is a defined contribution plan in tandem with a cash balance plan which is defined benefit plan can , after meeting the requirements , substantially save money with pretax dollars .


Input: What Is Disability Income Insurance Coverage?

Output: Disability Income Insurance is coverage that replaces part of your income if you are disabled for an extended period of time , due to illness or injury . Whether it be due to back pain , broken bones , chemotherapy treatments , or whatever it is that keeps you from being able to perform your normal job duties , disability income insurance pays you a monthly benefit so that you can survive financially through that trying time .


Input: How Much Life Insurance Should I Have?

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


Input: How Do Roth IRA Contributions Affect Taxes?

Output: That is a great question ! I love Roth IRA 's , I believe that they are an excellent part of a solid retirement plan . Since you are making your annual contributions on an after-tax basis , there are no tax consequences , unless you exceed the contribution limits . The money when it is finally available to be withdrawn , is tax free , and that is what makes this such a great deal . I hope that helps , thanks for asking !


Input: How Do Roth IRA Contributions Affect Taxes?

Output: Contributions to your Roth IRA do not have any tax consequences unless you exceed the permissible limits . Those limits are $ 5,500 for most people and $ 6,500 for those 50 and older . The premium is paid with after-tax dollars just like you would buy a cup of coffee . When the benefit is received it is free of income tax if you are then over 59.9 and the plan has been in force for five years or more .


Input: What Is Liberty National Life Insurance Company?

Output: Liberty National Life Insurance Company is domiciled in Texas . It is licensed in 49 states . It primarily sells life insurance and supplemental health insurance . Its chief distribution is through in-home and workplace sales . They have been in business for more than 100 years .


Input: What Is Liberty National Life Insurance Company?

Output: Liberty National is a wholly owned subsidiary of Touchmark Corporation . They offer Life Insurance policies as well as Accidental Death Insurance , and Supplement Health Insurance products for cancer , critical illness , hospital intensive care , hospital income , hospital accident , and Medicare supplement plans . Liberty National life insurance is headquartered in McKinney , TX .


Input: What Is Liberty National Life Insurance Company?

Output: Liberty National Life Insurance agency is one of over 1000 insurance companies in the United States . It is owned by Torchmark Corp. , which is a financial services holding company . Liberty National is a Fortune 1000 company , so not one of the biggest . They sell Term and Whole life policies as well as supplemental health insurance policies . Liberty National is a Stock company , which means that it answers to the stock holders first and does not offer dividend participating Whole Life as do the Mutual companies like Mass Mutual , Guardian , and a handful of others . They are based in Texas and do not have a bunch of nice impressive offices around the country . They specialize in `` home sales '' - that is their agents come to you at your home to meet with you and sell their products rather than bring prospects and clients to their office boardrooms , which they do not have . -LRB- Which is why I suspect you 've asked your question ... Someone came knocking on your door ? -RRB- If you are considering purchasing a life insurance policy from Liberty National , I suggest you first read the answers to the question posted on this site , `` What are the Characteristics of Whole Life Insurance '' , and ask if Liberty National policies offer all the same options .


Input: Does USAA Have Life Insurance?

Output: Yes . USAA stands for the United States Automobile Association but the do offer life insurance as well as other financial products . USAA is one of several organizations that focuses on providing financial products for military and retired military . The USAA has staff that sells their products over the phone and through their website .


Input: Does USAA Have Life Insurance?

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


Input: What'S Wrong With Obamacare?

Output: I will start with conceding that eliminating the issue of people being unable to get health insurance due to pre-existing conditions and making coverage of maternity mandatory are essentially good things that corrected issues which were increasingly problematic for our society . The stated goals of Obamacare were to eliminate people being uninsured and to reduce the cost of health care and thus lower the cost of health insurance while simultaneously increasing the quality of care . By May of 2014 we can now begin to look back and factually state that ObamaCare has failed to accomplish any of these goals in any meaningful way . Four years of efforts and billions of dollars have resulted in less than a 4 % decrease in the number of uninsured Americans , still leaving 30 + million uninsured . Healthcare costs have continued to rise and utilization rates have increased by 7.1 % in the first quarter of 2014 so we now have both higher unit costs and increased per capita consumption of health care services . This will translate into higher premium costs in 2015 . Changes in health plan benefit designs and provider networks necessitated by the need to comply with the requirements of the Affordable Care Act have some chronically ill citizens facing higher out of pocket expenses for their health care and losing access to their established physician and hospital relationships and disruption in their courses of treatment and access to certain prescriptions . As a transitional product , the government created a program called the Pre-Existing Conditions Insurance Plan -LRB- PCIP -RRB- . This plan provided comprehensive , subsidized major medical coverage to persons who were uninsurable due to pre-existing conditions . There was no underwriting , you just had to prove you were uninsurable and you were in . The benefits were consistent with if not superior to what many Americans had through their private individual health insurance or what they received through their jobs . If the objective was to provide quality , affordable health insurance for the uninsurable then properly funding and continuing this program would have been much more cost effective and less disruptive to society in general than the results we have seen to date from ObamaCare . Books have been written and will be written on the failures and shortcomings of the Affordable Care Act and they are too numerous to go into here . Of course , there are those who now have `` affordable '' health insurance because they are receiving subsidies . In practical economic terms though , how effective is any system that requires massive subsidization in order to function ? such an approach introduces inefficiencies from the bureaucracy required to administer it and is largely a transfer of wealth mechanism . Indeed , it creates a whole new set of problems for those too `` rich '' to qualify for subsidies but who now struggle or find themselves unable to afford the much higher premium costs of Obamacare compliant health plans . We take from the middle and upper middle class to subsidize the lower middle class and poor . All in a new system that the very politicians who created it have made sure that they and their families do not have to participate in . These are just some of the things that are wrong with Obamacare .


Input: Do Variable Annuities Avoid Probate?

Output: In Canada , Variable Annuities are issued by insurance companies and are also known as segregated funds -LRB- seg funds -RRB- or Guaranteed Investment Funds -LRB- GIFs -RRB- . Since they are a life insurance product if there is a named beneficiary the proceeds will bypass the estate and avoid probate . If the estate is named as beneficiary the proceeds will pass through and be subject to probate -LRB- if applicable -RRB- . If you have any further questions , please do not hesitate to contact me . More information available at www.protectandgrow.ca You are encouraged to consult with your professional advisers for advice concerning specific matters before making a decision .


Input: Can I Get Life Insurance With Hep B?

Output: Yes , most people can life insurance with Hepatitis B. Things that enter in what type of policy you can get , and what price you will pay , are whether it is chronic or acute , what the genotype is , whether it is replicating , the results of your liver biopsy -LRB- it will also make a difference whether or not you have had a liver biopsy -RRB- , if treatment was prescribed -LRB- or if completed , was it successful -RRB- , your current liver lab results and whether you have any side effects or other health conditions . Mild , stable chronic Hep B can be rated as good as Standard to table 3 . If the applicant is not qualified for a medically underwritten policy , there are simplified issue policies that most people with Hep B can get .


Input: What Is Comprehensive Auto Insurance And What Does It Cover?

Output: Comprehensive coverage is not widely understood . Basically it covers damage to a vehicle that comes from something other than a collision . This includes striking an animal . The coverage is tied to the value of the car but some drop the coverage because they are putting the car in storage for a period of time . Any loss sustained would not be covered if comprehensive coverage was not maintained , whether that was a car being burned in a garage fire or vandalism .


Input: What Is Comprehensive Auto Insurance And What Does It Cover?

Output: Comprehensive coverage in most cases refers to Other Than Collision . This would be theft for example , or a rock thru a windshield . It would also cover you if you hit a deer or other animal and damaged your car . It covers vandalism to your car as well . I generally recommend Comprehensive coverage unless the vehicle is older and fully depreciated . It can be worth carrying for the glass coverage depending on the cost in your state .


Input: What Is Comprehensive Auto Insurance And What Does It Cover?

Output: The way I explain it to clients is this . The collision deductible covers something that you have hit . The comprehensive deductible covers something that hit you . Of course there are different exceptions to this , but which deductible applies is determined by how the loss was attained and what caused it . It 's a good idea to have both deductibles on .


Input: When Do I Apply For Medicare?

Output: You apply for Medicare approximate three months before your 65th birthday . You have seven months in which to apply : three months before your birthday month , the month of your birthday , and three months after your birthday month . If you are already receiving Social Security benefits at age 65 , you will automatically be enrolled in Medicare .


Input: What Is Home Insurance Declarations Page?

Output: A declarations page is a summary of insurance coverage . It will list the effective date , coverage amount , premium , named insured & mailing address . It will also list the forms that are attached to the policy by form number .


Input: What Is Home Insurance Declarations Page?

Output: A Home Insurance declarations page also known as the ` dec page'is the cover page or summary to the limits of coverage afforded on your specific insurance policy . This page will include the Named Insured , Mailing Address , Property Address , Policy Number , Effective and Expiration Dates , Customer Service Contact Telephone Number , Claim Service Contact Telephone Number and Limits of Coverage . In addition , the declarations page usually includes the Policy Form Number which is the main policy form usually written by the ISO -LRB- Insurance Services Office -RRB- including all definitions , conditions and exclusions along with all the including endorsements that may be included with the policy . If there is a Mortgagee listed on the policy , the Mortgagee Clause will also be listed with the Name , Address & Loan Number of the mortgagee where a copy of the policy and all communication will also be directed . There is a link providing an online format to obtain a quote and buy home insurance online in multiple States ; may be used by Escrow/Closing Professionals , Mortgage Professionals , Real Estate Agents and directly by Consumers . An exemplary online experience for all ! WEBSITELINK


Input: Can I Get Medicare On Disability?

Output: Yes , you can get Medicare if you have been on Social Security Disability for at least two years . After you have been on SSDI for 24 months , you will automatically be enrolled in Medicare . If you turn age 65 before the two years are up , you can get Medicare at age 65 .


Input: Can My Brother Drive My Car Without Insurance?

Output: If your brother does not live with you and heoccasionallydrivers your car , he would be covered inmoststates . However , if your brother moves in with you and lives in your household , in moststates the insurer will require him to be listed on your policy as an additional driver . Of course , if he has his own car that is insured , it will be much easier .


Input: When Does Health Insurance End When You Leave A Job?

Output: Typically your group health insurance coverage will end either on the day your employment ends or the end of the month your employment ends - it ultimately depends on your plan . You may also have the option to go on COBRA after your employment ends . During the annual enrollment period , you may want to consider securing an individual plan instead as opposed to keeping group coverage . Please let me know if I can be of further assistance . Thanks very much .


Input: How To Compare Medigap Plans?

Output: Comparing Medigap Plans can be very time consuming and exhausting for people . Working with an independent agent will save you a lot of time and money . A good agent will be able to give you the bottom line of what is available to you and help you determine which plan meets your needs the best . All Medigap Plans will be identified by a letter such as Plan F , Plan J , Plan G , etc. . I would be happy to answer any questions you have in comparing your options .


Input: How To Compare Medigap Plans?

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


Input: How To Compare Medigap Plans?

Output: One of the best ways to compare Medigap Plans is to look at the benefits side-by-side . Medigap Plans are standardized , so all the lettered plans have the exact same benefits with every insurance company . Choosing to work with an agent who specializes in Medicare Supplement insurance is a step in the right direction . The right agent will take the time to show you the different Medigap Plans and describe the pros and cons based on your individual needs . Here are some questions that you may want to ask yourself : Do you want to pay the annual Part B deductible ? -LRB- $ 147 in 2014 -RRB- Do you want to pay any co-pays or co-insurance ? Do you want all the Medicare approved charges covered so you do n't have to deal with deductibles , co-pays and co-insurance ? As I stated above , Medigap Plans are standardized -LRB- Plan G with ABC insurance company has the same exact benefits with XYZ insurance company -RRB- and the only difference is the price . Once you decide which benefits you want , your agent can shop the market for the best premium . But do n't let that be the end of the story . You will want to make sure the insurance agent helping you with this process is one that provides on-going service and annual rate reviews . Far too many times do I speak with Seniors who signed up for a Medigap plan with a great premium only to have it sky rocket years later ... never once did the original agent check in with them . Thank you for taking the time to read my response . If I can help you compare Medigap Plans , please feel free to contact me 1-888-411-1329 or visit my website at www.remedigap.com .


Input: How To Compare Medigap Plans?

Output: Many people will strictly look at the premiums when comparing Medicare supplement -LRB- Medigap -RRB- plans . However , there 's a number of factors to consider such as plan benefits -LRB- e.g. plan F vs. plan N -RRB- , your zip code and premium budget/tolerance , premium rating-method -LRB- community rated , issue-age rated , or attained-age rated -RRB- , and rate increase history , just to name a few . Also , not all plans are available in every area and not every carrier offers every plan . An independent broker can help compare each plan available in your area and find the plan most suitable for you . If you 'd like some help with quotes or have other questions , send me a PM or visit our website .