Input: What Is The Best Way To Shop For Cheap Life Insurance Rates?

Output: Sometimes cheapest is not always better . Remember , you get what you pay for . If you go to a website that only provides you with a few cheap quotes you may not be getting the best products available . Sometimes those sites are not kept current with changing products . What if you have questions or issues with the application or the insurance policy itself ? In a lot of cases it is difficult to get in contact with a licensed agent to get those questions answered or the problems corrected . Generally speaking , it is the service work a particular agent provides the customer that makes the difference in these instances . Furthermore , your agent will be able to help you customize your insurance to meet your specific needs and budget . Your agent should be able to get a good foundation product for you . Then , you can add to it as your finances improve . Plus , your agent will be able to assist you with future decisions about your insurance portfolio as you reach other milestones in you life . A relationship with your insurance agent should be a life-long relationship that way he or she will be able to help with items after the initial purchase of the policy such as : possible loans , riders , and claims .


Input: What Is The Best Way To Shop For Cheap Life Insurance Rates?

Output: Even though this is what I do for a living and may sound self serving , I would use an independent life insurance broker . Yes , you can get quotes and buy online anytime . However , everyone has a unique situation and an experienced broker knows the little tricks of the trade about how policies are underwritten by certain carriers . This information is not on anyone 's website . It takes experience to know which carrier will give non tobacco for an occasional cigar smoker or who has the most liberal height/weight chart or who will consider standard for controlled diabetes . Do n't guess be sure . The family you are gambling with is your own .


Input: What Is The Best Way To Shop For Cheap Life Insurance Rates?

Output: The best way to shop for cheap life insurance rates is with an open mind . If you start out with the mindset that you will only take the lowest priced option , you could be setting yourself up for a lifetime of very high life insurance rates after your policy expires . A good agent will give you a number of options and tell you the pros and cons of each , so that you can make an informed decision . Whether you find that agent online or in an office makes no difference .


Input: What Is The Best Way To Shop For Cheap Life Insurance Rates?

Output: There are many different opinions and options for this question . You can go to one of the many quote sites that will give you an idea of cost , however life insurance is one of those subjects wihich many people think they understand well , but do n't . Find an agent that you trust , either from a friend or through your own research . A good agent will give you options to consider that you may be unaware of , and you can benefit from that expertise without cost .


Input: Can Felons Have Life Insurance?

Output: The rule of thumb is anyone with a felony conviction in the past 7 years will not qualify for a traditional life insurance policy . Now , there are newer instant or rapid-issue products on the market that shorten the guideline to 3 years . The only life insurance policy I 've ever come across that does n't have a felony question is a graded death benefit life insurance policy . They are essentially guarantee issue plans with low death benefits payable after a defined waiting period of usually 2 years . If the insured dies within the waiting period the carrier usually pay back premiums plus interest . If you want more information on felonies and qualifying for insurance visit www.clminsure.com or call 561-320-2978


Input: Can Felons Have Life Insurance?

Output: Good question ! The answer is yes , they can . However , the policy that they would be able to purchase would certainly come with more restrictions than one that a non-felon would be able to purchase . It would be more expensive , and have a period of time that would have to be covered before it would pay out anything more than what you paid into it to that point , plus some interest . If you would like a little more detail , please hit the contact me button , I 'd be happy to help . Thanks for asking !


Input: Can Felons Have Life Insurance?

Output: Can felons get life insurance ? Yes . Even while incarcerated , felons can get guaranteed issue life insurance . Can felons keep life insurance ? That is another question . If it is a cash value policy and the felon is paying restitution , the money in the policy may be subject to that . That would be dependent on many factors , and impossible to answer here .


Input: When Does An Immediate Annuity Start?

Output: 30 days at the least . 1 year at the max . You can add more money within a year or just stuff as much as you can to get the most income within 30 days . Some annuities have income riders . These are not immediate annuities . Regular or non-immediate annuities can be turned into income annuities of you have the rider .


Input: When Does An Immediate Annuity Start?

Output: An immediate annuity starts making regular monthly payments within one year of the time that the annuity is established . The payments will last for the lifetime of the annuitant unless a specified period is selected . Since that will not meet the needs of all there are other options available . For example the payments can be set to provide income for two people or return the total accumulated value .


Input: When Does An Immediate Annuity Start?

Output: When does an immediate annuity start ? Usually after 30 days . It can be delayed a bit longer , but usually people purchase and start their immediate annuities within a short window of time . You can annuitize a annuity into an immediate annuity as per the specifics of the plan you 've set up .


Input: Does Medicare Pay For Tdap Vaccine?

Output: Medicare Part A or Medicare Part B do not pay for Tdap vaccine . But Medicare prescription drug plans pay for any commercially available vaccine that is not covered by Part B. Your Medicare Part D Prescription Drug Plan will pay for the tetanus , diphtheria and pertussis vaccine booster , if you have Part D.


Input: Who Provides The Best Home Insurance?

Output: The company that provides a policy of insurance that is in force when you have a claim provides the best homeowners insurance . The insurance companies that are admitted to do business in your state are closely regulated and you should expect fair treatment from any company licensed in your state . The best insurance policy written is one that provides you with adequate limits and the highest possible liability limits . At the time of claim you will discover that anything less could have been a costly mistake .


Input: What Are The Advantages And Disadvantages To Long Term Care Insurance?

Output: The advantages of coverage in your senior years can be significant based on the average senior couple spending $ 250,000 in medical costs during their retirement years . The disadvantage is the loss of economic opportunity to invest or save the premium dollars spent on long term care insurance if you never use it .


Input: Why Do People Not Plan For Retirement?

Output: Western human behavior is to live for the moment . And with so many cultural expectations that cost money , retirement funded takes a back seat to immediate gratification . Retirement seems so far away for the Millennial generation that it 's almost unreality . But many baby boomers have discovered that time waits for no man and retirement is suddenly upon you and staring you in the face .


Input: Does CVS Offer Health Insurance For Part Time Employees?

Output: Good Question . Most employers set their own guidelines for who would qualify for coverage . Some factors are , how many hours worked , etc. . Some employees have to wait a certain amount of time before qualifying . Keep in mind , you can apply for your own individual health plan that you manage and in the event that you change jobs , you wo n't have to worry about loosing your health plan .


Input: Will Life Insurance Know If I Smoke?

Output: Will life insurance know if I smoke ? Well , depending on how much coverage you purchase , if anyone else knows you smoke chances are they will too . First off , most insurance companies ask for an attending physicians statement and chart notes . So if you 've told your doctor , you smoke . Second , many plans require labs so if you smoke it will show up in your labs . And finally , some states have enacted laws that skip the two year contestability clause on life insurance when the applicant lies about smoking . These states view this as no contract was formed and wo n't let the carrier pay a reduced benefit . Just a return of premium .


Input: Will Life Insurance Know If I Smoke?

Output: For the most part , when applying for Life Insurance , there are questions on the application that relate to smoking and the use , or past use , of tobacco products . IN addition , it is pretty common practice to include a paramedic review and visit and they may conduct an oral swab or be required to draw a blood sample and or urine specimen for lab analysis . If an attending physician 's report is needed for underwriting , they will also be requested . The Life Insurance company will learn if you are a current tobacco user .


Input: Will Life Insurance Know If I Smoke?

Output: Life insurance agents and underwriters do not have a crystal ball that reveals that you had a cigarette that morning . But they do all they can to find out if you are a smoker , and rely on your honesty for the rest . Blood tests , urine tests , swabs , questions on the application , phone interviews , doctor records ... nearly all policies use one or more of these methods to determine if you smoke . It 's best to just fess up , and then if you quit , apply for a nonsmoker rate a year after you quit smoking .


Input: Will Life Insurance Know If I Smoke?

Output: That 's an interesting question ! Are you contemplating not being truthful ? While you can probably get away with answering falsely on your application , you will certainly run into trouble if there are tests , or previous doctor visits on your record that list you as a smoker . -LRB- They will do a check of every previous medical issue that you 've had , along with your prescription history -RRB- . You will also have problems if the cause of your death is listed as a smoking related issue . Would n't it just be better and own your smoking and be honest ? If you want to really save money , drop the $ 6/pack habit -LRB- $ 2190/year at a pack a day -RRB- and the $ 12,345 per year associated health costs of smoking , and not the extra $ 120 or so you 'd pay for insurance . I hope that helps , thanks for asking !


Input: Will Life Insurance Know If I Smoke?

Output: Every Life Insurance company and application will ask if you are a smoker or a non smoker , which you as a applicant will answer . Most companies will require the agent to do a tobacco swab test at the time of application to assure accurate information is being received and reported by the agent . Many times the company will require a urine or blood test to be collected also . In addition they can request a copy of any doctors records . I have know of policies that were cancelled and ever that did not pay at death because the truth was not given at the time of application . Smoking rates can be much higher , however the truth usually does come out in the reviews of the information collected .


Input: Will Life Insurance Know If I Smoke?

Output: You will be asked whether you smoke on the policy application . Also , you may need to submit to a medical exam which may include a urine and/or blood sample . These tests are designed to detect the presence of cotinine in your system . Smokers pay much higher premium rates . If you lie about smoking on your application , and die during the policy contestability period , the insurance company can deny your claim .


Input: Will Life Insurance Know If I Smoke?

Output: A life insurance application contains a number or representations . One representation is the answer to the question , Have you used tobacco products in the past two years ? If you lie on the application the company would have grounds to rescind the contract . If you apply for amounts of coverage above certain levels you might be required to submit blood or urine specimens . These tests can identify use of tobacco .


Input: What Does Dave Ramsey Say About Disability Insurance?

Output: Dave Ramsey expressed an opinion about Disability Insurance in April of 2011 that you can read here : WEBSITELINK In a nutshell , he recommends having Long Term Disability Insurance due to the devastation caused by becoming disabled and the chances of it happening .


Input: What Does Dave Ramsey Say About Disability Insurance?

Output: Another good source to read -LRB- from Dave Ramsey -RRB- is this : WEBSITELINK . He goes in depth about the top four must-have insurance policies , along with why each is necessary . As Peggy said above , Dave Ramsey DOES suggest you get long term care insurance , and that you should start bygetting it from your work , if possible .


Input: How Good Is AARP Health Insurance?

Output: AARP Health Insurance is actually through United Healthcare . It is usually referred to for Medicare Supplement Insurance for people over 65 . Depending on which plan you pick , it is great insurance . However , the plans are standardized so Plan F would be the same regardless of the carrier . It would make sense to compare all the carriers in your area for the type of plan you want . If you work with an independent agent they should be able to show you most of the major top rated carriers and save you a lot of time .


Input: Where Can I Apply For A Medicare Card?

Output: Enrollment in Medicare is usually automated up on person reaching age or qualifying status . If for some reason individual does not receive Medicare Card or automatic enrollment does not occur , you can apply for it in your local Social Security Office . This link will help you find local Social Security Office WEBSITELINK . Also , CMS site has a lots of useful information regarding Medicare , here is link WEBSITELINK . I hope this helps .


Input: Does Renters Insurance Cover Lost Food From A Power Outage?

Output: It may , many homeonwers policy 's provide limited food loss coverage and a renter 's policy is very similar to a homeonwners policy . Remember every policy is different . Please read your policy completely to understand the coverage provided and any exclusions that there may be or contact your local agent to have them go over the policy with you .


Input: What Company Has The Cheapest Long Term Care Insurance In Colorado?

Output: In addition to Peggy 's answer I would also look at all the options that are available which may or may not make sense for your situation . There are many `` hybrid '' products now that can provide you monies to cover LTC expenses but also provide other valuable coverage or funds . Look into Life Insurance which gives you access to the death benefit what you have a chronic condition . Please be aware that before you purchase any of these products I want you to understand what is covered and what is not . I am simply saying here there are alternatives versus just purchasing a Long-Term care policy which can be cost prohibited .


Input: What Company Has The Cheapest Long Term Care Insurance In Colorado?

Output: The cheapest long term care insurance company in Colorado varies according to the person who is applying . Some companies are better at older ages ; some are better for couples . Some are better for -LRB- or are the only ones that will take -RRB- certain health conditions . Some offers certain features at a lower price than others . To find the cheapest long term care insurance for you , contact an agency that sells a variety of long term care companies in Colorado and review your health and all the features offered with a knowledgeable agent . Together , you can work out which has the lowest price for what you qualify for and what you need .


Input: Why Is Whole Life Insurance More Expensive?

Output: Whole life polices run for your whole life . Now this may not be exactly correct as there really is a cut off which varies by company . Say up to 120 years old . However this is much different then term polices that are for a specific term which could be 10-30 years and then run out . After the term is run out you have tore-qualifyshould you wish to continue with lifeinsuranceThe advantage of whole life or universal life is that you qualify at the age you sign up and the rate for the most part never changes . So in the end whole life can actually be less if you keep the policy for the long run . Also some polices have a cash value . All these details need to be gone over with an agent to determine what your actual need is .


Input: Why Is Whole Life Insurance More Expensive?

Output: Whole life insurance is designed so that the premiums never go up and you will have coverage until you die , whatever the age may be . As a result the premiums are based on life expectancy and evened out over that period of time . You pay more in the early years but in later years you actually pay less than term . The excess in the early years is what helps build cash value . Term insurance generally will go up after each term period to the point where in later years it becomes unaffordable It depends upon the reason for the insurance as to which is the better option . Temporary needs are best addressed with term , while permanent needs are best addressed with whole life .


Input: Why Is Whole Life Insurance More Expensive?

Output: Whole Life -LRB- AKA , Ordinary Life -RRB- is more expensive because the insurance company is accepting a higher risk to provide the guarantees of contract . There are primarily two types of whole life contracts that guarantee both the face amount -LRB- death benefit -RRB- to the beneficiary and the internal tax-favored build up of cash values . Participating whole life offers the insured the opportunity to `` participate '' in the financial success of the underwriting carrier by providing the possibility of receiving a dividend at the end of each policy year . Dividends are not guaranteed and while they are presented as a percent -LRB- example : 5.2 % credited dividend rate -RRB- , they are not the same as simple interest . It involves a formula that takes into account the cash values in the in force policy along with the investment returns and claims experience of the insurance company in any given year . The policy owner can direct the company to use the dividend in any one of four to six ways , depending on the carrier . All but one of those options will not produce an incometax event . -LRB- Taking the dividend as cash , however , will . -RRB- Most whole life policyowners either choose to have the dividend purchase paid up additions of insurance -LRB- increasing the death benefit as well as the cash value of the policy -RRB- or to reduce premium with excess to purchase paid up additions . Non-participating whole life or interest-sensitive whole life does not pay a dividend . But , it most likely does provide some level of a guaranteed death benefit and guaranteed cash values . Some whole life policies now provide the opportunity to over-pay the guaranteed level premium for a period of time to turbo-charge the growth of the cash value which grows tax-deferred . This requires the addition of a paid-up additions rider -LRB- PUAR -RRB- and there are limitations on how much over-payment one can make . This capability has been touted by some financial planners as a way of being your own bank because access to and repayment of cash value loans are tax-favored . One avoids a lengthy wait for approval that a bank would need to approve a loan , as well . -LRB- Go to Amazon.com and search `` be your own bank '' for more details . -RRB- In the current unstable economic environment we are in , whole life hasexperienced a comeback in sales due to the safety and security of this type of insurance contract with tax-deferred inside build up of cash values producing rates of return higher than other fixed interest financial vehicles . However , some analysts minimizethose perceived advantages because historically market returns exceed cash value build up , and there can be dire consequences to the policy if cash values are not managed prudently . Reckless use of taking loans can result in the death benefit being greatly reduced or cause the policy to lapse with little or no value . Whole life is not suitable in all circumstances calling for the application of a life insurance policy . Those seeking direction and guidance should consult with an experienced insurance professional or knowledgeable Certified Financial Planner or other advising professional before purchasing any life insurance contract .


Input: Why Is Whole Life Insurance More Expensive?

Output: Another way to look at the issue of whole life 's apparent high premium is to examine the difference between whole life , or any permanent -LRB- cash value -RRB- life policy , and term . Consider the purpose of the cash value . Cash value is representative of the policy reserves the insurance company establishes with the premiums they collect to pay claims . The premium on cash value policies is higher in the early years than what is needed to pay claims so it adds to the reserves for later when the premiums are less than the pure cost of insurance later in life and claims increase . In simplified terms , as one approaches age 100 , the cost for term coverage at that age is prohibitive -LRB- effectively $ 1,000 per $ 1,000 of death benefit -RRB- yet the level annual premium on the permanent policy purchased many years before is unchanged . The premium you pay for permanent life insurance ensures coverage can not be outlived like term insurance which almost always expires before you do .


Input: Why Is Whole Life Insurance More Expensive?

Output: A simple answer : Whole Life you are guaranteeing the premium/death benefit & the cash value . Universal Life , you can guarantee the premium/death benefit but not the cash value . Term of course has not cash value unless you are talking about a Return of Premium policy . With Whole Life you can see in the future what exactly the cash value will be . With the Universal Life , you can get a projection of what it will be . Generally speaking , Whole Life is 20-40 % more expensive than Universal depending on your age and health status .


Input: Which Is Best Policy For Life Insurance?

Output: There is no one policy that is the best for everyone as we each have our own needs and purposes for buying life insurance . Some may buy life insurance because they just got married , some because they have a new child , some for estate planning , and some for income replacement , just to name a few reasons why people buy it . In evaluating which is best for you , there 's a number of factors to consider such as what type of coverage do you want/need , the reason you want to buy it , how much coverage and for how long -LRB- e.g. term vs. permanent -RRB- , premium affordability , health status , where you live , and others . One of the first things you need to do is identify the risk classification you qualify for . The risk classification is critical because this determines what the premiums will be for the policy you 're applying for.This is where insurance brokers are essential in your pursuit of coverage . They have the knowledge to guide you through the process and help you find the policy that 's going to be most suitable for you . If you would like assistance or have any questions about life insurance , send me a private message . You can also visit my website , www.TermInsuranceBrokers.com , for input as well .


Input: Which Is Best Policy For Life Insurance?

Output: There are a number of factors that go into choosing the right life insurance product , including age , health , income needs , and current or expected debt . There is no `` One Size Fits All '' insurance policy , period . The best option for choosing the right life insurance policy for YOU is to sit down with an insurance professional and discuss your specific situation .


Input: Who Gets Life Insurance If Beneficiary Is Dead?

Output: If the beneficiary is deceased and there is no secondary beneficiary named then the proceeds would go into the estate . This means that the life insure will now become subject to probate . I highly suggest naming a secondary -LRB- contingent -RRB- beneficiary to your life insurance policies if you have n't already done so . If you can not find your agent , call the company and they can send you the forms . If you still have problems a good experienced agent can help .


Input: Who Gets Life Insurance If Beneficiary Is Dead?

Output: A life insurance policy or an annuity will allow you to have multiple beneficiaries , which you can change when and if you need to -LRB- death of a beneficiary , divorce and so on -RRB- . You should always have more than one beneficiary . Sometimes though it may be hard to think of more than 1 beneficiary , so the answer to the your question of who would get the proceeds of your life policy if the beneficiary is dead and you pass away is , your estate . Your estate consists of all of the property and savings you own and will be dispersed according to your will . If you have no will then the Probate Court can decide who of your relatives will receive your estate .


Input: What Happens To An Annuity When You Die?

Output: This depends on what is happening with the annuity when someone dies and what type of annuity -LRB- owner or annuitant driven -RRB- we 're talking about . For an annuity that is not paying income and the owner is the annuitant -LRB- i.e. the type of contract wo n't matter -RRB- , the cash value of the annuity will be paid to the named beneficiary -LRB- ies -RRB- in the contract . If the annuity have been annuitized -LRB- i.e. is paying an income stream -RRB- the chosen option will determine what happens . For life only annuity payments , the payments will stop and no further money will be paid out . For period certain annuities , the income will continue until the period certain has ended . For life with a refund -LRB- installment or lump sum cash -RRB- than the refund will pay the the named beneficiary -LRB- ies -RRB- until the cash value of the annuity has been paid out in full to the beneficiary -LRB- ies -RRB- .


Input: Is It Illegal To Drive Without Car Insurance In Michigan?

Output: In the state of michigan it is illegal to drive without insurance . Insurance in Michigan has personal liability and property damage which if in a accident and you hit something and do damage it will cover your damages to property and if you are hurt in a accident and do n't have medical insurance it will cover you medically


Input: Can I Purchase Life Insurance For My Parents?

Output: You can purchase life insurance for your parents if they give their permission by signing the application and submitting to any underwriting requirements -LRB- such as exam , if one is required -RRB- . The amount you can get on them will depend on how much income they make , their assets , and any financial relationship you may have with them .


Input: Can I Purchase Life Insurance For My Parents?

Output: You can purchase life insurance for your parents since you have an `` insurable interest . '' Some of the more common reasons are for estate preservation or to take care of final expenses . You can also be the premium-payer , and as the owner , determine the beneficiary , and change it at any time . Typically , death proceeds are tax-free and avoid probate . Getting the best rates on this type of coverage is important . As an experienced broker , our job is to shop the top-rated companies for you , and present the best options , based on the criteria you have provided . With more than 32 years of experience , my website is one of the most respected resources in the life insurance industry .


Input: Can I Rent A Car Without Car Insurance?

Output: That is going to depend on the rental car company . Most rental car company 's are going to require any party that is renting a car from them have auto insurance coverage . If you do not have auto insurance and need to rent a car , it is possible that the rental company can provide coverage on a temporary basis .


Input: Does Home Insurance Cover A Roof?

Output: Yes . Unless specifically stated in your policy , your roof will have the same coverage as the rest of your home . Because claims involving a roof are very common , an insurance company will pay close attention to the characteristics of your roof . If you have any existing damage , wood shake shingles , or a flat roof you will have a more difficult time finding a company to insure you .


Input: Does Home Insurance Cover A Roof?

Output: Your Home insurance cover your roof for perils covered with your policy . It will not cover normal wear and replacement . So if your damage is caused by wind , fire or hail for example , it would be covered . If your 30 year shingles are 35 years old and starting to buckle from age they will not be .


Input: How To Evaluate Term Life Insurance?

Output: Remember that Term is temporary , so evaluate your need and how long you will need it . If you truly buy term and invest the rest , then perhaps when you are years older , you will have set aside enough funds to fully protect your family at that time . For now then , you need insurance to protect your family due to your lack of accumulated funds . Figure out the number of years it may take to have enough funds . That would be a reasonable term for your term insurance . Or figure out when the kids may be out of the household and independent . Or if your spouse works , when they may have accumulated enough to be self sufficient . The longer the term , the more expensive it is per year 's coverage , so be reasonable . Most opt for 20 year term , although longer is available from many companies . Go with a company you can count on . How long have they been in business ? Will they be there for you ? What is their reputation for paying fairly and quickly ? Talk with your agent for the best price , for what is truly the best coverage . Quality is at least as important as price . Thank you . GARY LANE .


Input: How To Evaluate Term Life Insurance?

Output: In evaluating Term Life Insurance , make sure that the policy is guaranteed , not just assumed to be guaranteed . By this I mean , check to see if the premium is guaranteed to not go up for the entire term , and that the face amount will not go down for the entire term . Evaluate the life insurance company , to make sure it is rated at least A by AM Best . Finally , evaluate the agency you purchase the policy through , to see if they are trustworthy , have a lot of complaints , and will be available to help you with questions or service requests down the road . Clues as to reputability for online agencies are how long they have been in business , whether they introduce staff members on their web page , if they are part of the Better Business Bureau , etc. . If you cover those three bases , you should make a good choice in term life insurance .


Input: How To Evaluate Term Life Insurance?

Output: Is it really as simple as comparing the initial rates ? Unfortunately , no , there are a number of factors to consider depending on what your objectives are . Here are a few : Length of term Rates at renewal what are they and are they guaranteed . Is there a possibility of needing permanent coverage ? If so is conversion available , what products can you convert to . Take a look a the insurance company offering the coverage . An independent insurance agent / broker can help you find the right product at the right price . 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: How To Evaluate Term Life Insurance?

Output: With term insurance , you 're getting a lot of `` bang for your buck '' because you 're only buying the coverage for a limited amount of time . There are hundreds of insurance companies in the market that offer term life insurance . One thing you do NOT want to do is just apply to a bunch of companies at the same time . This can often hurt you in your pursuit of coverage because it can be a `` red flag '' to an insurance company -LRB- so-to-speak -RRB- . A critical factor in determining which carrier 's policy is going to work best for you is the risk class they will offer you -LRB- the risk class determines the premiums for your program -RRB- . Each insurance company has their own set of underwriting guidelines so you may not get the same risk class offer from one company as you would from another . Some companies are conservative in their underwriting -LRB- meaning they have stricter underwriting requirements -RRB- and others can be more aggressive -LRB- meaning they have more lenient underwriting -RRB- . For example , company A may offer a given medical history a preferred risk class while company B could easily offer a standard risk class -LRB- requiring much more in premiums for the same coverage -RRB- . I 'd recommend working with an 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 . Brokers can help you through the entire process from start to finish . This includes helping you determine how much coverage is suitable to what you need the coverage for and how long you should have it in place for through an insurance needs analysis , provide quotes from multiple carriers and compare the options with you , track the application while it 's in underwriting and provide assistance on future needs as well .


Input: How To Evaluate Term Life Insurance?

Output: With term insurance , you 're getting a lot of `` bang for your buck '' because you 're only buying the coverage for a limited amount of time . There are hundreds of insurance companies in the market that offer term life insurance . One thing you do NOT want to do is just apply to a bunch of companies at the same time . This can often hurt you in your pursuit of coverage because it can be a `` red flag '' to an insurance company -LRB- so-to-speak -RRB- . A critical factor in determining which carrier 's policy is going to work best for you is the risk class they will offer you -LRB- the risk class determines the premiums for your program -RRB- . Each insurance company has their own set of underwriting guidelines so you may not get the same risk class offer from one company as you would from another . Some companies are conservative in their underwriting -LRB- meaning they have stricter underwriting requirements -RRB- and others can be more aggressive -LRB- meaning they have more lenient underwriting -RRB- . For example , company A may offer a given medical history a preferred risk class while company B could easily offer a standard risk class -LRB- requiring much more in premiums for the same coverage -RRB- .


Input: Does Allstate Have Life Insurance?

Output: Allstate uses their subsidiary Lincoln Benefit Life for the vast majority of life sales within their property casualty company . Lincoln Benefit Life is also distributed through their brokerage channel of independent marketing organizations . Although Allstates core productline is property causality , their career outlets sell financial services along with Lincoln Benefit Life products : life and annuities .


Input: Does Allstate Have Life Insurance?

Output: Allstate has life insurance . They really do . Rates are somewhat competitive compared to other major insurers . Allstate is better known for their auto and home insurance prices were are usually competitive in most areas . For an Allstate quote on life insurance , or other carriers with lower rates , a full-time experienced broker can help the best .


Input: Does Allstate Have Life Insurance?

Output: Yes . They own Lincoln Benefit Life . The company offers life insurance and annuities through Allstate agents and well as independent life insurance agents -LRB- brokers -RRB- . They are a well respected company with competitive products . While independent agents can offer life insurance products from many companies , Allstate agents will be limited to life insurance and annuities issued by their subsidiaries : Allstate Life Insurance Company , Lincoln Benefit Life Insurance Company and American Heritage Life Insurance Company .


Input: How Much Is High Risk Auto Insurance?

Output: Great Question . High risk auto insurance is for people who have tickets and accident . Also it for people who have many points on there driving records . The cost will be higher than good drivers . Please check with your local broker for detail about prices and products in your area .


Input: How To Estimate Medicare Premiums?

Output: There really is no way to estimate Medicare premiums or deductibles from year to year . Every year Congress decides what next years Medicare Part A and B deductibles will be as well as your share of the Part B premium . There is no rhyme or reason to their decision as the change has become a political move not one based on the cost of medical care .


Input: I Have Private Insurance Do I Need Medicare?

Output: I am not sure what you mean by private insurance . If you are disabled and under age 65 and have been on SSDI for two years you are eligible for Medicare . As such you should consider a Medigap plan or possibly Medicare Advantage . If private insurance refers to an employer group plan , that plan plus Medicare coordinate with each other to pay a significant portion of your medical bills .


Input: How To Cancel A Renters Insurance Policy?

Output: Let 's say you have a renters policy in one state and you move to another state where your insurer does not even do business . This happens all the time . I would advise you do two things . 1 -RRB- wait until the physical move is over with and 2 -RRB- wait till you have in your hands the replacement policy . Then it is safe to mail the original policy back to your agent or company and ask for the policy to be cancelled . Privacy concerns would require that you either send the original policy back , or the company may require more specific information form you to effect cancellation to be sure the person saying to cancel a policy is in fact you . Many states authorize the manner in which cancellations take place , so talk to your insurance professional . At the Insurance Browser Inc. we are licensed in several states so if you move from GA to Texas we can handle the whole transaction , old and new .


Input: Can An Employer Offer Health Insurance To Some And Not Others?

Output: Yes , in some cases . It is possible for an employer to legally offer health insurance to some employees and not others using employment-based classifications . Two common ones are full-time versus part-time and salaried versus hourly . The key legal criteria , though , is that all employees within the same employment classification must be treated consistently . For example , it would be illegal to offer health coverage to some full-time hourly workers but not all full-time workers .


Input: Which Company Is Good For Life Insurance?

Output: Finding a `` good life insurance '' company is really not the question . Finding the right life insurance company that has the right product at the best price for your unique situation is really what you need to find . Think of life insurance companies as a deck of cards . It is possible to play over 1,000 games with the same deck of 52 cards by just changing the rules . All life insurance companies have risk factors that are priced differently . One company may be best for obesity but high for diabetes and another liberal for tobacco use but high for occupations . I highly recommend finding an experienced independent broker that knows these rules and finds you the best deal for your needs .


Input: Which Company Is Good For Life Insurance?

Output: There 's many of them . Ideally , you want to look at companies that have an `` A '' ranking or better from rating companies like A.M. Best or Moody 's . Some of the big name companies that people have heard of are MetLife , American General , Prudential , Guardian , Principal , Genworth , just to name a few . When buying life insurance , there 's no one company that offers the `` best '' life insurance . The carrier that 's going to offer the best rates for you may not be the carrier the offers the best rates for someone else . This is because people may qualify for different risk classes , they may be looking to secure a different amount of coverage , keep the coverage for a different length of time -LRB- term vs. permanent -RRB- , or may live in a different state -LRB- not every product from every carrier is available in every state -RRB- . All of these factors go into the calculation of rates . If you 're looking to buy life insurance , you should consult with an experienced life insurance broker who can review your specific needs and budget and shop the case for you to compare multiple companies to see who will offer you the lowest rates . I hope the information is helpful - please feel free to contact me for help and if you have any other questions . Thanks very much .


Input: Which Company Is Good For Life Insurance?

Output: Often , different companies have good life insurance for different needs . E.g. . Some companies are better with `` impaired risk '' cases -LRB- policies for people with health conditions or other risk factors -RRB- . Some are better for seniors . Some are better for buying Whole Life , while others are better for Term Life . While there are many good life insurance companies , using one that is good for your unique needs can save you a tremendous amount of money , and/or get you a far superior policy . To find the best life insurance company for your family or business , contact a broker that can shop multiple companies for you . This can also save you time and stress .


Input: Can Green Card Holders Get Medicare?

Output: For green card holders to become eligible for Medicare , they have to meet 2 conditions : 1 -RRB- Work in the United States for at least 40 quarters and paying FICA taxes for Medicare -LRB- as it is for everyone -RRB- . 2 -RRB- Live in the United States for at least five years continually -LRB- cant do 2 years here , a year somewhere else , and then 3 more years here -RRB- . If you meet condition 2 , but not condition 1 , you would be able to get Part A , but would have to pay the premium -LRB- up to $ 426 per month in 2014 -RRB- . Part B premium is paid by all Medicare beneficiaries regardless . I hope the information is helpful - please feel free to contact me for help and if you have any other questions . Thanks very much .


Input: Does Car Insurance Cover Occasional Drivers?

Output: Yes . As long as the driver is licensed and has the owner 's permission to drive the vehicle . But the term `` occasional '' means different things to different companies . Some companies are more strict about it than others . The rule of thumb is : list everyone living in your household that is above driving age . And list anyone else who does n't live with you , but has regular access to your vehicle . A lot of people get burnt on this because they try to hide their high school aged kids from being on their policy ... . Huge mistake !


Input: Does Car Insurance Cover Occasional Drivers?

Output: If you mean a family member living in your household then the driver should be listed on your policy as an occasional operator . You can lend your vehicle to someone on occasion and they would be covered however keep this in mind : In most states the Insurance first follows the driver and then the vehicle . If the person you let drive your car has insurance and is involved in an accident , that persons insurance would pay . If they do not have insurance YOUR insurance pays , resulting in possible rate increases . My advice is NEVER lend your car to someone who does not have insurance !


Input: What Does It Take To Sell Auto Insurance?

Output: Each state is a little different , so you would want to check with the department of insurance in your resident state for specific guidelines . First , you need a Property & Casulaty insurancelicense . Typically you must take some required courses to be eligible to sit for this exam . Once you pass the exam , you are technicaly and insurance `` producer '' or licensed agent so then you need a product to sell . Best thing to do here is to try and get on with an established agency . Here you can gain valuable experience and knowledge and hopefully have good products to sell . Going it alone right out of the gate would be a challenge as well as a fairly big financial risk . You need markets , E&O insurance , training , knowledge , etc. etc. etc. ... To get the E&O , you often times need experience or the price can be quite high . To gain market access , you need experience and proof of past performance to get direct contracts with carriers . You can sign up with some quality brokers out in the market place for access and that is n't a bad way to start out .


Input: What Auto Insurance Covers Hitting A Deer?

Output: Hitting a deer is covered under the comprehensive portion of your auto policy . Although hitting a deer is a collision , animals are excluded from collision coverage and placed under comprehensive coverage since you the driver have no control over the movement of an animal . This has advantages since this type of accident can not be considered an at fault accident .


Input: What Auto Insurance Covers Hitting A Deer?

Output: The portion of an auto policy that covers damage caused by hitting a deer is the `` Comprehensive '' portion of the physical damage coverage . Physical damage coverage for your car is divided into two portions : Collision and Comprehensive . Collision is the more narrowly defined of the two and provides coverage if your car is damaged as a result of hitting another car , a stationary object or a human.Comprehensive covers everything else , for example , a deer strike , vandalism , somethig falling on it while parked , etc. .


Input: Will Insurance Cover A Tree Falling On My Car?

Output: The Comprehensive portion of your policy 's physical damage coverage would cover the damage caused to your car by a falling tree provided that the car was parked and stationary at the time . The claim would be settled subject to your deductible of course . Talk to your Insurance Professional about the specific terms and conditions of your policy . .


Input: Will Insurance Cover A Tree Falling On My Car?

Output: Your auto insurance will cover a falling tree on your car under the comprehensive coverage 's minus your deductible . If you carry comprehensive coverage on your vehicle then your covered . Comprehensive coverage includes all non collision physical damages that may occur to your vehicle . Examples are falling or flying objects , fire , theft , vandalism , glass breakage .


Input: Should I Get Stacked Or Unstacked Auto Insurance?

Output: That honestly depends upon the state in which you live . If your state allows uninsured motorist coverage to be `` stacked '' , then the auto insurance providers offering coverage in your state will be complying with that . Many states have changed their laws and regulations over the years to elliminate that practice .


Input: Who Needs Renters Insurance?

Output: Great question ! You do not need renters insurance if you have a great amount of cash hidden away in a Swiss bank account , or somewhere similar . If your belongings are stolen or damaged somehow , you can just dip into that account and buy all new stuff to replace what was stolen or lost . If that is not you , then maybe renters insurance is a good idea . Most of us do not have the money to replace our things in the event of a fire , or burglary , and that is the purpose for the insurance . It can be a real blessing in the event of some unexpected hardship.If you would like some more information on what you should look for in the policy , please contact me , I 'd be happy to help . Thanks for asking !


Input: Who Needs Renters Insurance?

Output: Anyone who rents a place should carry insurance on their property inside such as your furniture , clothing , electronics , etc. . The landlord does not carry insurance on your property .


Input: Who Needs Renters Insurance?

Output: If you are renting an apartment , condo or home to live , you should have renter 's insurance . Not only will renter 's insurance cover your personal Property -LRB- contents -RRB- , but it also covers liability . Several years ago , I had a young women come into my office looking for advice on what she should do . She had been visiting her cousin , who lived in a town home . She went out on the back patio and lit a cigarette , smoked it & was sure she put it out in the dirt of a nearby planter . She and her cousin went out for dinner , only to return to the town home & the town home adjoined to be full a blaze with fire trucks putting out the fire . She was determined to be a fault . The insurance company of the adjoining home paid the claim and then subrogated -LRB- sued -RRB- her for the damages -LRB- ~ $ 105,000 -RRB- . Had she had renter 's insurance , it would have paid the claim under her liability portion of the policy . Instead , her wages were garnished and will continue to be garnished until the claim is paid in full .


Input: How Much Does A Life Insurance License Cost?

Output: It varies based on the state in which you reside . If you are considering becoming a life insurance agent , you should call your state 's insurance department , or go to their website . It will also depend on the lines of insurance your license will cover . In addition to the initial licensing fees by line of insurance , there may be related fees e.g. insurance exam and other costs paid to third-parties associated with the pre-licensing requirements .


Input: How Much Does A Life Insurance License Cost?

Output: In addition to what Samuel said , if you want to sell life insurance in other states , you will need a nonresident license for those states . You will also need to purchase E & O insurance , which stands for Errors and Omissions Insurance . If you are working for an agency , they might pay some of these fees for you .


Input: How Much Does A Life Insurance License Cost?

Output: There are different levels of `` cost '' in becoming a licensed `` life insurance agent '' . In South Carolina you have to take the required preparatory licensing materials and then take an exam . These materials in South Carolina is like $ 140 just for the materials and then there is an additional `` test exam fee '' that has to be a `` proctored exam '' and it is approximately another $ 100 . In South Carolina once you have passed the exam and you apply for yuor license with a company of your choice there is not a `` licensing fee '' in South Carolina . Then you have continuing education costs each year . For example , if yuo are going to sell `` annuities '' you have to take LIMRA courses in `` Money Laundering '' that typically will cost you $ 150 . You have to stay current with the continuing education requirements that are set by the Deaprtment of Insurance in your State .


Input: How Does Homeowners Insurance Claims Work?

Output: Different companies may handle the claims settlement process differently , but this is my experience . Once you have discussed your loss with your Insurance Professional and have understood your coverage and your deductible and discussed your options , it will be time to report the claim . Usually within 24 hours , you should expect to hear from a Claims Services Representative -LRB- CSR -RRB- who will ask you for more details and want to know what you have done to protect from further damage . In some cases , if the loss is fairly simple and the estimate you have obtaned is within a certain amount , the CSR may send you a check at that time . If the loss is larger and more complicated , it will be assigned to a Professional Licensed Field Adjuster who will contact you and secure an appointment to inspect the damage , determine coverage and explain the procedure from that point . This person can also be a great resource a for referrals to licensed professional contractors should you need one . However , you are not obligated to use any of those contractors if you do n't want to . The Field Adjuster may issue preliminary payments to get the work started and supplemental payments as it progresses . Once the work is completed to your satisfaction and to the extent of coverage provided by your policy , the claim will be closed .


Input: How Much Disability Insurance Is Enough?

Output: Typically disability insurance benefits are equal to a maximum of 60 % of the insured 's income . The maximum one can buy then is based on the annual income of the individual . If you can live comfortably on a lesser amount than 60 % of what you earn , then you may consider buying a policy that would pay less than 60 % of your earned income .


Input: How Much Disability Insurance Is Enough?

Output: Disability insurance is paycheck insurance that protects your income during periods of disability when you cant work . If you work for a living and you have to work to live , then disability insurance is paycheck insurance to protect your income in case you are unable to work . Disability insurance may be the most important coverage you should consider . Most Americans has 90 days in cash reserves . A disability is a high probability event during your working lifetime .


Input: Can Car Insurance Go On Your Credit Report?

Output: I hope I understand your question correctly . I 'm assuming you 're asking if an insurance company getting your insurance score will show up on your credit report and affect your credit score . In general , no . I can only speak for my own state of Michigan but I 'm pretty sure other states work the same way . An insurance score is different from a credit score . There are many different models to calculate an insurance score and different companies will use different models . When an insurance company orders an insurance score it wo n't affect your credit score like applying for a loan will . If it shows up at all , it will show up as an insurance score and wo n't be used to calculate your credit score . So , do n't be worried if your agent asks for information to order an insurance score . It 's usually one of the largest discounts that a company will offer .


Input: What Happens When A Life Insurance Term Expires?

Output: If a life insurance term expires the policy may go out of force or renew at a higher premium . What happens depends on the type of plan and the wording of the policy . Term insurance policies have an end date after which they will not renew -LRB- age 85 for example -RRB- . If the policy is a 10 Year Renewable Term , then it will renew at a higher premium at the end of each 10 year period . The policy is usually convertible to a permanent level premium policy with no medical evidence prior to a given age . 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: What Happens When A Life Insurance Term Expires?

Output: That is a great question ! A term policy lasts a designated period of time , and then ends . In some cases , it is a set number of years , 5 , 10 , 20 , or 30 . In other cases , like the popularly advertised tv policies , they end when the insured turns 80 . In any case , to keep being insured , you need to renew it -LRB- at very expensive rates -RRB- , or find other coverage -LRB- which may also be very expensive if your health changed for the worse before the policy ended -RRB- . A term policy is great for certain things , and not so great for others . It is always wise to consult with a good agent before purchasing a policy . If you need help with this , please feel free to contact me , I will clear room on my schedule for you . I 'm happy to help . Thanks for asking !


Input: What Happens When A Life Insurance Term Expires?

Output: With term coverage , you buy a specific number of years of guaranteed consistent rates . After that term , the policy may end , but in most cases will continue but with a substantially higher premium rate . This is why many people buy permanent or whole or universal life . It does not increase its premium and continues for a lifetime , with that fixed premium . Thank you . GARY LANE .


Input: Which Companies Sell Annuities?

Output: There are hundreds of annuity companies and perhaps a thousand annuity contracts . You can find excellent spreadsheets online distributed by independent brokerage firms . There are two categories of non-qualified annuities are : tax deferred and immediate . Tax deferred annuities have three basic crediting methods : fixed interest rates , domestic/foreign indices and separate subaccounts using equity and bond instruments . Immediate annuities offer various distribution periods like 10 or 20 years certain and lifetime income on the annuitant .


Input: Which Companies Sell Annuities?

Output: Many insurance companies offer annuities such as Guardian , MetLife Prudential , ING , Nationwide , Genworth , and Lincoln National , just to name a few . If you 're looking to purchase an annuity , I would advise consulting with an independent annuity broker who can review options from multiple companies to find you the annuity that will maximize your return . The type of annuity is a major factor as there are a number of different kinds such as fixed annuities , equity linked index annuities , etc. . Please feel free to contact me for assistance with your program and if you have any other questions . I hope the information is helpful - thanks very much .


Input: Which Company Is Best For Life Insurance?

Output: The best company for life insurance for you will depend on your unique circumstances and the best company for you may not be the best for someone else . If you are shopping for term insurance , the best company will offer you the highest health rating and the lowest premium . If you are shopping for permanent insurance -LRB- ie . universal life or whole life -RRB- , rating will be important , but policy performance will be important as well . There are many variables to this question and it should be discussed thoroughly with a knowledgeable advisor who can help you sort through the many different options .


Input: Will Medicare Pay For Blood Transfusions?

Output: Medicare Part A will pay for blood transfusions given in a hospital or skilled nursing facility setting . Medicare Part B will pay for blood transfusions given to outpatients . However , neither pays for the first three pints within a calendar year . If you have Medicare Advantage , contact your plan to see if it provides additional coverage for blood transfusions .


Input: Can Dental Be Claimed On Medicare?

Output: Medicare does not cover `` dental '' . While `` Medicare Advantage '' covers some `` preventive care procedures it does not cover extensive dental procedures . There are `` dental '' policies available the coverage is usually limited to $ 1000 per year . In most cases dental maintenance is best planned to have preventive cleaning done each year plus any required `` dental filling ' each year but then if you need more extreme procedures you will probably spend a chunk of your vacation funds in the dental office


Input: Where Can I Buy Health Insurance For An Individual?

Output: You can buy health insurance from an experienced broker and their website -LRB- perhaps your best option -RRB- or the . gov website , where you may talk to a newly-hired and inexperienced worker . It 's important to understand all of your options , get a federal subsidy if you deserve it , and speak to an unbiased expert in the field . That 's why we can help you best ! The Obamacare subsidy is available during Open Enrollment and through specific exceptions . However , there are affordable options available if you miss Open Enrollment .


Input: Who Qualifies For Medigap?

Output: Anyone over the age of 65 and on Medicare can buy a Medigap plan . The best time to buy is when you 're new to Medicare as you 'll have a 6-month window -LRB- from your Medicare Part B effective date -RRB- to buy any Medigap plan you want with NO medical underwriting . Beyond this window , you 'll be subject to answering health questions to qualify for a new plan -LRB- every carriers ' questions are different -RRB- if you do n't have a guaranteed-issue right available to you . If you 're under 65 , you can still purchase a Medigap plan if you 're on Medicare for disability or ESRD , but the cost will be very high . Medigap plans are designed to be purchased by individuals age 65 and up . I hope the information is helpful - please feel free to contact me for assistance with your Medigap coverage and if you have any other questions . Thanks very much .


Input: Why Is My Renters Insurance So High?

Output: Most customers consider renters insurance a bargain . There is certainly plenty of competition . If you really want to spend too much on renters insurance try not having any . When you have a claim and empty pockets life can get tough in a hurry . Someone could fall in your unit , or a fire could sweep through it and everything you have would go up in smoke . Then you would know what really expensive insurance is .


Input: Does Medicare Pay For At Home Health Care?

Output: Medicare is very limited for any type of long term care , including the home . Medicare does not pay for custodial care . It will pay for some temporary skilled care in your home if you need some type of rehab services such as occupational , speech , or physical therapy . It may also pay for some durable medical equipment . Do not rely on Medicare as a source for any extended home health care .


Input: Can You Buy Individual Short Term Disability Insurance?

Output: YES , you can Buy Individual Short-Term Disability Insurance . Short-term meaning immediate upon being disabled up to 12 months . After 12 months , you can have a Long-Term Disability plan kick in . When you look at these plans , be sure to look at the definitions of disability , partial disability , cost of living adjustments and retroactive coverage for the long-term disability . These should be a part of most policies which take care of all the `` gray '' areas of coverage . For more information , do not hesitate to ask .


Input: Does Renters Insurance Cover Dog Attacks?

Output: Renters insurance does typically provide personal liability coverage . If your dog is responsible for the attack it is possible that your personal liability coverage of your renters policy will provide money for the damages . Remember every policy is different . Please read your policy completely to understand the coverage provided and any exclusions that there may be or contact your local agent to have them go over the policy with you .


Input: Can You Drive Any Car On Fully Comprehensive Insurance?

Output: Comprehensive coverage on your car typically covers items other than collisions , such as fire , theft , hail and additional types of claims . Collision coverage is typically required if you are financing the vehicle . In almost every state , you must have liability coverage on the vehicle you are driving or show proof of financial responsibility . The minimum required limits of each state are different .


Input: What Is A Critical Illness Insurance Policy?

Output: A critical illness policy pays cash directly to you if you are diagnosed with one of the illnesses listed in the policy . Illnesses generally include heart attack , cancer , stroke and others . The cash is yours to spend however you wish . You can pay your rent or mortgage , your Visa bill , your car payment , etc. while you 're recovering . Perhaps it will replace lost income . You can also pay your deductible and other out-of-pocket expenses if you wish . You could even use it to go to Disneyland - it 's YOUR money ! So while your health insurance is paying the doctors and hospitals , the critical illness policy is paying YOU .


Input: What Is A Critical Illness Insurance Policy?

Output: There are stand alone policies that are for specific conditions offered by a few companies such as Niel mentioned above . Indemnification policies like Aflac 's Cancer and Catastrophic Illness policies , which are basically supplemental policies that pay cash tot eh policy holder . Then there are Critical Illness and Long Term Care riders that can be added to a life insurance policy that will pay up to 75 % or 90 % of the death benefit in advance in the case of critical illness .


Input: Can I Pay My Car Insurance Late?

Output: In Minnesota , you can pay your car insurance up to ten days late before an auto insurance provider can cancel your policy for nonpayment of premium . Althoughdoing somay not be in your best interest , asitcan cause you to incur late fees . You will always receive notice from your insurer of intent to cancel a policy .


Input: How To Get USAA Auto Insurance?

Output: Since I am an Independent agent , I should preface this by saying that I do not nor ever have represented USAA . They are a very large insurer that does a lot of things right . While I am not insured by USAA I have been previously and continue to use my membership advantages for banking and travel services . I suggest you simply call the company at 1800-531-8722 and find out .


Input: Is It A Crime To Not Have Car Insurance?

Output: That is really a question for lawyer or a law enforcement officer . I would say though that if the state that you reside in a state that requires every driver to have auto insurance coverage then I believe it would be a crime . If your state requires all drivers to have auto insurance coverage and you are stopped by a law enforcement officer and found not to have the required coverage I believe you could incur penalties imposed by the laws within that state .


Input: Can I Get Life Insurance If I Have Hepatitis B?

Output: You can usually get life insurance while having Hepatitis B . If you want a large policy that requires an exam and medical records , the insurance company will look at your liver biopsy results , your liver labs , what treatments have been on , how long you have had Hep B , etc. . Some things that can cause a decline are liver cirrhosis or fibrosis , very high liver labs , and intolerance of treatment . However , even in those cases , you can get a simplified or guaranteed issue policy , if your age fits those guidelines . When the biopsy shows no liver damage and your Hepatitis B has been stable with normal liver labs , you can be rated as good as a low table rating on a medically underwritten policy .


Input: Can I Get Life Insurance If I Have Hepatitis B?

Output: That is an excellent question ! The short answer is yes , you can . The longer answer is that the type of policy available to you will most likely depend upon your medical history , and current condition . I would strongly advise that you find a good independent agent -LRB- one not tied to a specific brand -RRB- that can help you sort through a few companies to find your best bet . If you would like help , please feel free to contact me , okay ? Thanks for asking !


Input: Can I Get Life Insurance If I Have Hepatitis B?

Output: It depends on the severity of the hepatitis B . If you have an acute case of controlled Hep B and thereis no reoccurrences for 2 to 5 years , you should be able to purchase life insurance with little or no rate up . However , if the Hep B was chronic and meds are still required you could also be declined for underwritten life insurance . Then you would need to find a guarantee issued plan with graduated benefits . Either way you should be able to find some amount of life insurance , good luck .


Input: How To Save On Health Insurance?

Output: There are many ways to save on your health insurance . One of the most important things to do is to compare all of the top-rated insurance companies since there are hundreds of available plan options . Whether you need individual or family coverage , it 's imperative to make sure you have access to the lowest available rates . Working with an experienced broker will allow you to find the most affordable plans quicker , and simplify the process of comparing plans . Also , we can help you determine your eligibility for a federal tax subsidy , which could substantially reduce your rate for Exchange plans .


Input: Does Renters Insurance Cover Property During A Move?

Output: If your property is damaged while being transported , the coverage available is limited to 10 % of the personal property limit stated in most policies . If your property has reached the newly acquired residence it is covered for the full limit of the policy for 30 days , unless the policy terminates .


Input: Does Renters Insurance Cover Property During A Move?

Output: If you are moving from one place to another you are covered for 30 days at both places for the perils of the policy . Keep in mind breakage is not a covered peril so if you drop your big screen there is no coverage . If the big screen is stolen your covered . Make sure to notify your agent before the 30 days or coverage 's will be reduced to 10 %


Input: How Much Is Typical Renters Insurance?

Output: I have seen renters insurance range in my area from about $ 90 to $ 300 per year for renters insurance within my area . The cost of coverage for renters insurance is typically less per month than you spend for lunch for one day . The amount of coverage for personal property typically starts at $ 15000 of coverage but can go to over 100000 under most carriers . Contact your local agent to find out what coverage he/she has available and the cost associated with it .


Input: Is A 401K A Qualified Retirement Plan?

Output: The private sector generally offers defined contribution plans like 401 -LRB- k -RRB- s that are pretax contributions and tax deferred accumulations . Upon retirement , the distributions are taxable as ordinary income . A 410 -LRB- k -RRB- is a defined contribution plan is sanctioned under Employee Retirement Income Security Act -LRB- ERISA -RRB- of 1974 .


Input: What Is Cost Basis In Life Insurance?

Output: Cost basis is what you paid in premiums for your policy -LRB- minus any dividends that might have been paid to you -RRB- . If you take out a withdrawal from your policy up to cost basis -LRB- what you paid into the policy -RRB- , you will not have to pay taxes on it .


Input: What Is Cost Basis In Life Insurance?

Output: The insurance company will compute this amount for you should it ever be necessary . Basically , it is the sum of premiums paid for the life insurance protection alone . This disregards the cost of riders . This basis would only be necessary if you surrender a policy and receive income in excess of your premium payments .


Input: Does Health Insurance Cover Wisdom Teeth Extraction?

Output: Not usually . Wisdom teeth extraction would be covered under a dental insurance plan . There are exceptions , but usually medical would come into play only in an emergency situation . It will depend on your medical and dental plans . It is always a good idea to read your exclusions pages of any insurance policy you have . Learning what is not covered , can actually save you money .


Input: What Does Medigap Plan C Cover?

Output: Medigap plan C covers essentially everything included in Medigap plan F. Plan C covers your Medicare Part A and Part B deductibles and coinsurance , benefits for SNF -LRB- skilled nursing facility -RRB- and foreign travel . Plan C does not cover Medicare excess charges . Very few carriers offer plan C and I have not found it to be competitive in Georgia .


Input: Can I Get Life Insurance On My Husband?

Output: Yes , you can get life insurance on your husband . He needs to sign the application and be willing to submit to the underwriting requirements , which may include an exam that is done in your home or place of his choice . If he does not want to take an exam , he could get No Exam life insurance . Some of those require a phone interview . You can be the Owner , Payor , and Beneficiary of the policy , or any combination of those roles .


Input: How To Qualify For Extra Help With Medicare?

Output: Applying for extra help with Medicare is commonly called Low Income Subsidy -LRB- LIS -RRB- . In order to apply for that coverage one typically has to go to the county office that processes the needs for low income individuals . Some of the insurance companies also employ social workers professionals that can assist with the process of applying and are trained to do so when completing the health screening visits


Input: Can Tools Or Valuable Property Stored In An Adjacent Structure Be Scheduled On Your Homeowners Policy?

Output: Many carriers will allow for scheduled BPP -LRB- Business Personal Property -RRB- on the homeowners policy . If truly used for personal use , they should be covered under the Personal property Section on a named peril basis -LRB- check the form -RRB- . If taken off-premises they may be covered for theft if you do not have the Off-Premises theft exclusionary endorsement on the policy -LRB- of course subject to the policy deductible -RRB- . Otherwise there is worldwide coverage on contents on a named peril basis if you do not add the Special Form to PP -LRB- some companies will limit this to a % or total coverage -RRB- . Please realize this is all assuming an ISO form written on a standard HO-3 in NY . Hope this helps .


Input: What Does Suze Orman Think Of Variable Annuities?

Output: Suze has a online summary digest called `` Truth About Annuities . '' About half way through the document she addresses variable annuities . Oddly enough she seems to give variable annuities a relatively fair expose ' or treatment in her description and potential prospects for variable annuities . It 's worth the read to understand her position .


Input: Does Life Insurance Count As Income?

Output: Life insurance that is left to a beneficiary is generally not counted as income to that person , and income taxes do not have to be paid on it . Exceptions are : 1 -RRB- If the life insurance is left to the estate . 2 -RRB- If the policy was overfunded so that it no longer meets the criteria for being life insurance . 3 -RRB- If the proceeds are taken as an annuity , the interest is taxed . 4 -RRB- Small business may find that life insurance is taxed if they do not adhere to certain regulations . Contact an experienced agent to be sure your life insurance is set up so that the proceeds are not counted as income .


Input: Does Life Insurance Count As Income?

Output: Life Insurance Benefits are absolutely tax free to the Beneficiary . The Beneficiary will not have to pay taxes on these proceeds . If you haveany further questions , I am happy to help . A full conference is always free of charge.Gary Lane , Registered Representative , New York Life , 949 797 2424 . Thank you .


Input: What Does Term Life Insurance Cost?

Output: The cost of Term life insurance is affected by the age , health , weight , and smoking status , as well as the length of the Term policy they are applying for . The very best health class for a 30 year old man will cost about 3/4 of what it would if he was rated Standard , and the premium for a 10 year Term policy could cost about half of what a 30 year policy would cost . Free quote engines on the internet providing instant quotes can allow you to put in your information and see what the different options could cost at different health classes .


Input: How Much Does Auto Insurance Adjuster Make?

Output: The average salary for an adjuster is $ 44,000 but in New York the average is $ 69,000 Depending on your state the average varies . It is n't the easiest job in the world that is for sure reminds me of the CSI show there are so many things you have to know as an adjuster it is not different then being a crime investigator . I think I will stick with being an Insurance agent . Kudos to those who decided to go into that line of work .


Input: Can I Borrow Against My Whole Life Insurance Policy?

Output: If you have accumulated cash values you may be able to borrow -LRB- maybe withdraw -RRB- from your whole life policy . Assuming that your whole life policy is participating i.e. pays annual dividends , you can access them free up to basis . If you still need more money , you can borrow the policy gains via policy loans . Keep in mind that most participating whole life policies use spread loans and a few use direct recognition loans .


Input: How Often Will Medicare Replace A CPAP Machine?

Output: I am having a hard time finding a definitive answer to this question . It appears that Medicare can replace a Cpap machine every 5 years , but it is not clear whether there has to be justification for it -LRB- i.e. a new model would more effectively treat the sleep apnea , etc -RRB- . If a Cpap machine is replaced , it is called a restart , and the machine is rented for the first year before becoming the property of the Cpap user .


Input: Who Has Short Term Disability Insurance?

Output: There are three types of people who have short term disability insurance : those whose employers pay the premium , those working in states with mandated coverage , and those opting to buy the policy themselves . Unfortunately , many people assume they fit into one of the first two categories . Most employers do not pay the premiums for employees . Only five states have mandatory short term disability . Policies need to be purchased prior to becoming disabled , so these are dangerous assumptions .


Input: Does AAA Have Term Life Insurance?

Output: AAA while being best known for its ' auto towing services and for those of us old enough to remember , their tripticket map service , does indeed sell term insurance . However their are many carriers with higher financial ratings that charge less . In fact , I once had a client who worked for AAA but decided on a less expensive policy with better ratings and a lower cost .


Input: Does AAA Have Term Life Insurance?

Output: That is a great question ! Along with their better known towing and travel services , they do indeed offer a term life policy . They do an excellent job with many of their services , and it 's up to you to decide if their term policy is one . It ends when you turn 8o ; has rates that increase every 5 years , and is not renewable after 80 . If that works for you , then be my guest , but I 'd like to talk to you first . I hope that helps , thanks for asking !


Input: How Can I Find Who My Car Insurance Is With?

Output: There are various ways . My best advice would be to contact your insurance professional and ask . This assumes that you did not obtain your policy through on line sources of course . Check in your car 's glove box . There you should find an Insurance Identification Card issued by your carrier and showing the name and contact information for that carrier . In most states , you would have had to provide proof of insurance at teh time you registered your car .


Input: Does Medicare Negotiate Prices?

Output: Actually , no . Medicare sets a fee schedule based on the medical procedure and it is offered to providers on a take it or leave it basis . Most hospital stays are reimbursed under a set fee basis while doctors and other providers are paid based on the way the claim is coded .


Input: How Do Annuities Pay?

Output: Tax deferred fixed annuities pay a guaranteed interest rate for a guaranteed period of time . Interest rates are constantly changing so its important to check with a brokerage annuity companies that display several insurance companies . As of this posting : 5 year rate is 2.85 % , 7 year rate is 3.20 % and 10 year rate is 3.45 % . Also check the insurance company to see if they are filed in your state .


Input: Is Cash Value Of Life Insurance A Liquid Asset?

Output: Cash Value life insurance , especially designed for death benefit coverage is illiquid in the early years due to surrender charges and policy expenses . However , if a life insurance policy was maximum funded to the TAMRA limits with the proper death benefit option , it is feasible that cash accumulation could be enough within 3-5 years to have some liquidity . Bottom line : cash value life insurance should not be classified as a liquid asset .


Input: When Are Roth IRA Earnings Taxable?

Output: There are several types of Roth accounts . The most common is the Roth IRA . This is an individual retirement account that allows you to set aside after-tax income up to a specified amount each year . Both earnings on the account and withdrawals after age 59 are tax-free , as long as he plan has been in force for five years . These same tax benefits continue if the Roth plan is left as a legacy .


Input: Does Everyone Need Long Term Care Insurance?

Output: Long term care insurance protects extended care risk of assisted living and nursing home care . The average senior couple age 60 spends around $ 250,000 for medical and extended care . Were living longer , so the odds are significant that we will need some degree of assistance in our golden years .


Input: How Much Should I Pay For Universal Life Insurance?

Output: There is no one set guideline regarding what to pay for life insurance , and that is especially true of universal life insurance . UL is very flexible and can be designed to fit many different budgets , needs , and goals . E.g. . You may want to buy universal life as a relatively inexpensive way to have permanent coverage for the rest of your life . Or you may want to buy IUL -LRB- indexed universal life -RRB- as a way to accumulate cash value to borrow from during retirement . In the first scenario , you would put in the minimum needed to guarantee that the policy will still be in effect when you die . In the second scenario , you would pay large premiums into your policy so that there is enough cash to supplement your retirement income later on . Aside from these considerations , universal life insurance premiums also takes into account your age , health factors , and tobacco use . So it is impossible to answer this for everyone . But a good life insurance agent is essential to helping you get the best possible price for a policy that will work well for your needs , desires , and budget .


Input: What Is Voluntary Auto Insurance?

Output: All auto insurance is technically voluntary . Individual states require auto insurance for licensed drivers within that state . Unless you are pulled over by the police though many do not check to verify that you have secured coverage . Only the minimum amounts of coverage are mandated by the state governments , not the carrier or agent .


Input: Does Homeowners Insurance Cover Guests?

Output: Guests to a home are covered by the Homeowners Insurance Policy as far as Medical Payments are concerned . Most policies afford Medical Payments to Others -LRB- Guests -RRB- and are offered on a Per Person basis not to exceed an Aggregrate amount of $ 25,000 per occurrence . It is most common for the Per Person amount to be $ 1,000 , $ 2,000 or $ 5,000 . The homeowners deductible does not apply to claims made under Section II -LRB- Liability & Medical Payments to Others -RRB- . Please review your current declarations page to confirm the coverage amounts on your specific policy .


Input: How Much Does Blue Cross Health Insurance Cost?

Output: Under the new Affordable Care Act , each individual health plan is guaranteed-issue , meaning you can not be declined for health insurance for a pre-existing condition or other health-related issue , nor charged a higher amount -LRB- e.g. level 1 rates , level 2 rates , level 3 rates , etc. as it was under the old structures -RRB- . Your premiums are now based on the type of plan you have -LRB- e.g. bronze , silver , gold , or platinum -RRB- , your zip code , whether you use tobacco products or not , and your age - premiums will vary by carrier . You will need to consult with a health insurance agent/broker to find out what the premiums are for health plans in your area .


Input: Does Homeowners Insurance Cover Air Conditioner Replacement?

Output: I am assuming that you are talking about a Central Air system . Homeowners Insurance provides broad coverage for damage caused by named perils , and excludes coverage for damage caused by some specific instances like earth movement and flood for example . So say there is a lightning strike that damages electrical appliances connected to your home , including your AC unit . In a situation like that , subject to your deductible , insurance will cover the cost to either repair or replace those appliances . If they are damaged by a flood or a mudslide or some other form of earth movement , then the policy would not provide coverage .


Input: How Long Does Life Insurance Claim Take?

Output: It can take from a couple weeks to a couple of months to collect a life insurance claim . Call the life insurance company for death claim paperwork , fill it out completely , and have someone check it over before you send it in . If you do n't konw how to fill out a section , call the insurance company for advice . It will make things go more quickly if correct paperwork is file . Also , be sure to send in a certified death certificate with death claim paperwork .


Input: How Long Does Life Insurance Claim Take?

Output: Once the death accures and you call in the claim . They will ask for the certified death certificate and start the claim process . They may send you a check book to write check from your dealth benefit amount . Usally it take a few weeks to receive the money . If the insurance company has to investigage the calim it make take a month .


Input: What Does A Qualified Retirement Plan Mean?

Output: Generally a qualified plan is a sanctioned government retirement plan with tax deductible contributions , tax deferred accumulation and taxable distribution including basis . Some plans allow employers to match employee contributions . There are several qualified plans available for individuals as well as employer sponsored like 401 -LRB- k -RRB- s , 403 -LRB- b -RRB- s , 412 -LRB- e -RRB- , SEP IRAs , IRAs , etc. .


Input: What Does A Qualified Retirement Plan Mean?

Output: What does a qualified retirement plan mean ? It means a retirement plan that offers some sort of tax benefit to the participant in their savings towards retirement in a particular plan . A qualified plan provides benefits that will boost the outcome possibilities in most cases . The plans also come with limits and conditions that must be met .


Input: Does Home Insurance Cover Electrical Wiring?

Output: If your electrical wiring is just old , deterioratingand or wore out then no , homeownersinsurancedoes not cover electrical wiring . However if the wiring , arcs or causes a house fire then yes , homeowners insurance does cover the damage to the dwelling caused by theelectricalwiring . I will call your local agent to discuss the specifics of your question orre-postwith more detail as to what you are looking for .


Input: Does Home Insurance Cover Electrical Wiring?

Output: Electrical wiring would only be covered if it is damaged by a covered peril . Homeowners insurance does not pay to replace out dated wiring or renovation of wiring . Homeowners insurance is not designed as a maintenance policy . It is designed to protect you from unforeseeable events such as fire , wind damage , lightning strikes and similar perils .


Input: Does Auto Insurance Go Up After Claim?

Output: Your auto insurance rate does not always go up after a claim . For example , if you were involved in an accident where the other driver was at-fault but did not have insurance , you should not be surcharged . Likewise , comprehensive claims such as glass-breakage may not result in an increased rate . Also , with some policies , the first at-fault accident you have , may not raise the premium . Each carrier is different so using an experienced broker can help you find the carrier that best meets your needs . A reputable website provided by a broker can also help you shop for the best deals .


Input: Does Arbonne Offer Health Insurance?

Output: This is a great question . The employer normally will dictate what qualifies an employee for benefits , typically it is whether the employee is full or part time , how many hours they work and sometimes there is an amount of time that they have to wait . What you should know is that you can apply for your own individual health plan and in the event that you change careers , you wo n't have to worry about your health coverage being terminated .


Input: How Long Does It Take For Homeowners Insurance To Pay A Claim?

Output: Homeowner 's insurance usually pays a claim very quickly . Of course , they do have to investigate the specifics of the claim , determine the damages and how much it costs , and match that up with the coverage amount and deductible . Often , replacement cost is included so the new value of an item may have to be determined . An experienced broker will always help you through this process .


Input: Who Runs Medicare?

Output: CMS , otherwise known as The Centers for Medicare and Medicaid services is the branch of the Department of Health and Human Services that is tasked with managing and monitoring the Medicare System . CMS also monitors the medicaid systems offered by each individual state . For more detailed information please visit www.medicare.gov or www.cms.gov


Input: Does Homeowners Insurance Cover A Leaking Shower?

Output: Most homeowners policies will cover the damage caused by a leaking pipe , and the cost to find the problem , but will not cover the actual repair of the existing pipe . All of this is subject to your own policy and policy deductible . My best suggestion would be to call your agent or the local representative for your home owners company .


Input: What Does Vesting Mean In Homeowners Insurance?

Output: Vesting is done at the title level of a property . You may have on title the vesting rights on the deed which may include each owners names and rights . For example , two individuals may have equal vesting rights . The lender will ask the insurance company , or agent in most cases to list the vesting exactly as the title is written . Homeowners insurance simply duplicates the name on the insurance company to match the title and to offer the protection that needs to be afforded to the owners .


Input: How Good Is State Farm Auto Insurance?

Output: I can only give you a subjective answer to this . I believe the big property and casualty companies like State Farm , who I have personally , All state , American Family , etc. are all decent companies . What it comes down to are the rates which will be different with each company and a BIG factor is the agent you work with . If you have an agent that is responsive , able to educate you on what is best vs what is law , etc. and able to help you keep your rates down looking at different strategies of combining insurance such as home , auto ; then you have a good experience . That is where loyalty comes in even if you are perhaps paying a little more than what another company can offer . Your choice . Shop around , get to know your agent . Good luck .


Input: How Does Medicare Part A And B Work?

Output: Medicare Part A , in short , is your hospital insurance - Part B is your physician insurance . Part A provides benefits for your inpatient hospital stay , skilled nursing facility care , nursing home care , hospice care , and certain home health services . The benefit that is the most common claim is for hospital stays . During a hospital stay , your Part A will cover certain hospital services and supplies including semi-private rooms , meals , general nursing , and medications given during your stay . Acceptable hospital stays can include critical access hospitals , inpatient rehab facilities , LTC hospitals , acute care hospitals , and mental health care - you may want to confirm with Medicare whether a certain inpatient stay would be covered by a facility that is not a traditional hospital . Part B covers doctor visits , tests , surgeries , preventive services , and supplies including DMEs -LRB- durable medical equipment -RRB- . You 're generally responsible for a deductible -LRB- $ 1,216 for Part A and $ 147 for Part B -RRB- and about 20 % of the healthcare expenses that are incurred during these visits - Medicare only covers approximately 80 % of the costs . You may want to consider buying a Medicare supplement plan -LRB- a.k.a. Medigap plan -RRB- to cover the other 20 % . Please feel free to contact me if I can be of further assistance . Thanks very much .


Input: How Does Medicare Part A And B Work?

Output: Part A covers hospitalization . Part B covers most things out of the hospital , such as doctor visits and testing . Part A & B come from the government . Part B covers 80 % , so in order to cover the other 20 % , most people purchase a Medicare Supplement or Medicare Advantage Plan . Additionally , Part A & B do not cover drugs - so you 'll purchase drug coverage separately . So to summarize , A & B comes from the government - and you can work with a broker to get a Medicare Supplement and Drug Coverage .


Input: When Not To Buy Long-Term Care Insurance?

Output: Long-term Care Insurance is not an option for those with low net-worth and/or an inability to pay the premiums associated with a base plan of insurance . The insurance company offering long-term care insurance is placing itself it a very risky position . Costs for those that go on claim could be in the thousands of dollars , far exceeding total premiums paid in by the insured . It is also something that is becoming more and more likely to happen as people live longer ... but , not necessarily better . So , the costs to insure that risk are justifiably high . But , one should have a plan in place , even if insurance is not part of that plan . It is imperative for families to get together and work out how care will be administered , how formal care might be paid for , and whether the elderly person might qualify as `` indigent '' for Medicaid/Medical payment of costs . If the latter , the elderly person can keep their house , a car , some personal property , but must liquidate most other assets . Income must be lower than about $ 40/month and total liquid assets can not exceed $ 2000 -LRB- those figures are subject to change each year -RRB- . Each state has its own rules about Medicaid , so potential caregivers should have a good working knowledge from the state website on those rules , limitations , and benefits .


Input: How Much Is Disability Insurance For Doctors?

Output: Any disability insurance policy is priced based on several factors of the applicant . These include age , gender , occupation and duties of that occupation , tobacco use , and the amount of coverage needed or desired . The amount of coverage is often dictated by the person 's earned income ; the more someone earns , the more coverage that is available . There are several policy design features that can be included in the plan -LRB- or not -RRB- that will also affect the price . The person 's medical history can also play an important role in pricing . As you can see , there are lots of moving parts to a disability policy that will affect the price . Doctors often buy coverage to protect their specific medical specialty . Best to discuss this important insurance coverage with a knowledgeable professional .


Input: What Are Rates For Long Term Care Insurance?

Output: Long term care insurance -LRB- LTC -RRB- indemnifies or reimburses assisted living and/or nursing home care . Your gender , age , smoking status , health history and current medical condition factor into the cost of long term care insurance . A male age 60 non smoker in good health may pay $ 300 a month for an LTC policy with an inflation rider .


Input: What Are Rates For Long Term Care Insurance?

Output: Rates for long-term care insurance will depend on many factors including your age , amount of benefit , the carrier and other items . As I have previously mentioned , utilize an experienced broker -LRB- not a part-time employee or someone involved in radio/tv productions -RRB- . You will be very happy with the rates and recommendations .


Input: How Much Is Home Insurance For A House?

Output: In determining the cost of a homeowners policy the company will consider the location of the property , the age of the property , the fire protection available , the estimated cost to rebuild the structure , the value of the contents , the presence of wood burning heating devices , and the type and condition of the roof . There are issues which may not affect the rate ; however , they may disqualify the property for coverage such as general condition , presence of a trampoline or unfenced swimming pool , and presence of certain breeds of dogs .


Input: Does The VA Offer Disability Insurance?

Output: The VA does not offer Disability Insurance . However , the Veterans Administration does pay monetary benefits to veterans who have disabilities that were caused or aggravated during active military service . The disability is rated on a scale of 1 to 10 and the compensation is adjusted according to the degree of disability .


Input: Does The VA Offer Disability Insurance?

Output: The VA does not offer Disability Insurance , per se , but does offer a Total Disability Income Provision -LRB- TDIP -RRB- rider on their group Life insurance plans . There is a 6 month elimination period and the Disability Income benefit lasts for as long as the disability exists . Applicants for the rider must apply before their 55th birthday , and must be able to medically qualify for it .