Input: Who Can Buy Life Insurance On Someone Else?

Output: No one can get life insurance on you nor can you purchase life insurance on someone else without your knowledge or signature on the life application . You also have to prove `` insurable interest '' between the two parties : policy insured and the policy beneficiaries . In addition , you would also need to determine the amount of coverage though financial documentation .


Input: How Much Does A Full Coverage Auto Insurance Cost?

Output: It depends on a few different things . First , the type of vehicle will affect the policy premium . For example , a 2005 Toyota Corolla would typically have a lower premium than a 2005 Cadillac Escalade due to the cost difference in the vehicle and the cost difference in the repairs of the vehicle.Second , the driving record of the insured will affect the policy premium . For example , someone with one speeding ticket and an at fault accident will have a higher policy premium than someone with no speeding tickets or accidents . Thisis due to the fact that the insurance companieswill see that person witha ticket and accident as a greater risk to insure than the other person with a clean driving record . Third , the garaged location -LRB- home -RRB- of the vehicle will affect the policy premium . If you are garaging your vehicle in an area with a high rate of auto theft or vandalism the policy premium will be higher than in an area with a low rate of auto theft or vandalism . Again , this goes back to a greater risk for the insurance company . There are many more rating factors that the insurance companies use and they differ from state to state . Here in Arizona , for example , they will look at your credit score , occupation , and highest level of education in order to provide you with a price on coverage .


Input: When Is A Good Time To Buy Annuities?

Output: There are three basic crediting methods for tax deferred annuities : fixed interest rate crediting , indice crediting and separate sub account crediting . No one can time the market on any of these crediting methods , but short fixed interest rate annuities are best bought as rates are declining . Indice crediting and separate sub account methods after a market a protracted market decline . Consult your adviser before moving forward with any purchase .


Input: Will Home Insurance Cover A New Roof?

Output: A homeowners policy covers damage caused by a covered peril . The loss to a roof is covered when it is the result of a fire , for example . It is not covered if it is the result of age and deterioration as those arent covered perils . When a roof is adjusted for a damage loss , many companies treat a roof on a cash value basis . This is because the life of the roof is shorter than the life of the remainder of the building . So if a roof is half way through its life and suffers a covered loss , it is likely to be covered to 50 % of the cost of replacing the roof .


Input: What Is Co Payment In Medicare?

Output: A co-payment is the portion of the bill you are responsible for . Under original Medicare you are responsible for 20 % of the Medicare Approved amount . You will receive an explanation of benefits from Medicare outlining what the charges were , what was approved , what they paid and what you are responsible for . Your doctor can not balance bill you the difference . Some states allow 15 % over the Medicare approved amount in excess charges .


Input: What Is Co Payment In Medicare?

Output: Medicare copayment and coinsurance are used interchangeably but they are not really the same thing . Coinsurance is traditionally used to describe your percentage share after Medicare pays their portion . A copayment is usually a fixed dollar amount , such as the daily hospital copay once your hospital stay has exceeded 60 days .


Input: Will Medicare Pay For Tooth Extraction?

Output: Medicare does not pay for tooth extractions when it 's a routine dental item - this would be covered under a supplemental dental insurance plan . If you do n't already have one , you should consider buying a dental insurance policy - they 're very affordable , are guaranteed issue , and can save you a lot of money . Some policies will even cover a percentage of the cost of an implant to replace the extracted tooth . If the extraction of a tooth was needed in conjunction with a covered procedure such as reconstructing a jaw from an injury at a hospital , then Medicare would cover it . I hope the information is helpful - please feel free to contact me for assistance with your program and if you have any other questions . Thanks very much .


Input: Will Medicare Pay For Tooth Extraction?

Output: That is a great question ! Unfortunately , dental services are not covered by Medicare . Just about the only way that it would pay for the removal of your tooth was if it was part of a larger surgery performed in a hospital . Because dental care is typically the most used and most costly , many companies no longer add it as part of their benefit packages either . There are some inexpensive dental plans out there , though . Thanks for asking !


Input: How Long Does It Take To Get A Life Insurance Check?

Output: Once you file your claim , you 'll need to make yourself available to the insurance company in case any complications arise . If you 're named as the sole beneficiary on the policy in question , your case should be relatively straightforward . You 'll need to choose whether you 'll receive your payout as a lump-sum payment or as an ongoing annual disbursement . If you opt for the former option , you could receive the entirety of the payout to which you 're entitled within two weeks . If you opt for the latter option , you could receive your first payout in just 10 to 14 business days . In both cases , your payouts will come in the form of an official bank check . If you prefer to receive your payments electronically , you may be able to provide your insurance company with your bank account information and receive your funds via an electronic funds transfer .


Input: How Long Does It Take To Get A Life Insurance Check?

Output: Once you have the certified death certificate and forwarded it to the life insurance company with the claim form , it only takes a week or two to get the life insurance check . There can be glitches , as occurred in my family with one policy recently . But the life insurance companies work with you to make sure it gets to you . Life insurance is very fast and reliable and true blessing in a time of need .


Input: How Do Annuities Work?

Output: Annuities work by the insurance company taking your premium in a lump sum or series of payments , investing it , and crediting you with a fixed and/or variable interest rate during what is called the accumulation period . The insurance company then pays the premium and interest back out to you in payment installments during what is called the annuity period . These annuity payments to you can be for a set period of time or for life . Annuities do not have medical requirements , are flexible due to having many options in how they are structured , and the growth in an annuity is generally tax deferred until it is payed out during the annuity period .


Input: How Do Annuities Work?

Output: Different types of annuities work in different ways , but the gist of an annuity is that you pay an insurance company some money , they grow it on a tax deferred basis , and pay it back to you . You can pay or collect the money in a lump sum or at regular intervals ; the payments may be guaranteed or variable ; the annuity may be set up for a set period of time or for a lifetime ; or other features . However , the basic premise is as described .


Input: How Do Annuities Work?

Output: There are a variety of tax deferred annuities that have a diversity of crediting methods : interest rates , indices and separate sub accounts . Annuity companies establish a profit margin or spreads from the earnings generated from the crediting method . The accounts accumulate tax deferred and distribution of non-qualified annuities are taxed as ordinary income on policy gain and the return of basis tax free . Qualified annuity distributions are completely taxable as oridanry income , i.e. no basis .


Input: How Do Annuities Work?

Output: In an annuity the company exchanges a sum of money for a lifetime of income . This basic contract is called a single premium immediate annuity . Every other annuity is a modification of this plan . Deferred annuities allow you to contribute towards an annuity over a period of years . During the accumulation phase , increases in value are not taxed until the contract starts to make payments . Every objection about annuities has been met with a new form of annuity until there is quite possibly something for everyone .


Input: How Do Annuities Work?

Output: That is a great question ! To put it very simply : you put a sum of money into an account that can not be touched for a number of years . While it is stashed away , it is generating interest at an agreed upon rate . After a set number of years , the annuity begins to pay out an agreed upon sum , for an agreed upon period of time . That is a very simple explanation , and there are annuities that differ from how I described it , but that is your basic annuity in a nutshell . They are a way to structure steady payments to supplement an income in your retirement . If you have problems with cash flow , or do n't have a good sum to invest , this may not be a good way to go for you . But if you can set aside a chunk for awhile , there are some really good annuities out there that can be a very good part of a retirement plan . I hope that helps , thanks for asking !


Input: Does Ing Drug Test For Life Insurance?

Output: Yes , ING Life Companies will test for drugs in the presence of blood or urine in order to issue a life insurance policy . The only way to avoid such testing is to get such a small face amount that no blood or urine test is needed , or to apply for a No Exam life insurance policy that does not do those tests . Even then , they will normally ask about illegal drug use on the application . With some companies , the presence of marijuana in drug tests will not affect the rate too much . If the test shows signs of cocaine , meth or other illegal substances , then the policy would most likely be declined .


Input: Does Nationwide Offer Health Insurance?

Output: No , Nationwide no longer offers Health insurance for individuals . The company does offer specialty accidentcoverage plans under the `` Group Protector '' program , however , for amateur sports teams , camp and conferenceprograms , ROTC/JROTC , Auxiliary police and fire , special events , travel , recreation activities , youth groups , and others . We offer both Primary -LRB- first to pay -RRB- and secondary -LRB- next to pay -RRB- plans . All group participants are automatically covered . Accidental death and specific loss -LRB- loss of limb , sight , hearing -RRB- benefits included . GrouProtector provides accident medical insurance and accidental death insurance for community groups and special events in the event of an accidental injury or death during a sponsored group activity .


Input: Is Custom Whole Life Insurance Good?

Output: As a financial professional in the business for over 20 years , I do n't recommend whole life insurance in any form to my clients . Instead , I believe in level term life insurance which will provide enough cash at death to cover all debt including the mortgage , final expense , and education for the children . Because of the tremendous savings with the purchase of tem life there is more money to put toward paying down debt and investing forretirement . Going back to the word `` custom '' in the question , I really customize a financial plan that is unique to the individual or family beginning with life insurance as the foundation of that plan that will protect the assets as they grow . The need for life insurance will always decrease as the years pass .


Input: Is Custom Whole Life Insurance Good?

Output: Whole life insurance is excellent . Question to you , the reader : have your investments -LRB- Stocks , bonds , funds , 401 -LRB- k -RRB- , whatever -RRB- grown , and if so , in a straight line ? Those down years really rip apart the fabric of `` buy-term-and-invest-the-difference '' , do n't they ? A poorly understood function within the insurance-sales arena is/are the actual workings of whole life . To be sure , there are different types and qualities -LRB- and features -RRB- within the category of whole life ; but a good Mutual company , with a strong rating , structure and history can be your best friend . The premiums you pay -LRB- many balk at the size -RRB- go to both the cost of the death benefit , and also to a growing cash value , and the policy grows -LRB- in both death benefit and cash value -RRB- over time . Once the cash is in the policy -LRB- year-after-year -RRB- , the only way it goes down -LRB- for example , in a down market -RRB- is if you do something to change it . The consistency of earnings offered within these has an extremely important result in your financial planning . Further , the cash is accessible to you , while you 're alive , in a tax-beneficial way ! Next question to you : Do you understand `` arithmetic average '' ? That is used by Wall Street to glorify results of investments . Down markets and negative results eat up your cash . All of us are going into the `` distribution phase '' of our lives at some point . The money we have in our accounts will be used for our retirement , distributed as we need it . It is very important to recognize the difference in results now , and especially what it will mean for us later ... volatility is not your friend , `` meaningful '' consistency is . Last question : Do you want the life insurance to be there when you die ? Whole Life insurance is permanent , and will be .


Input: Does Health Insurance Cover Spider Veins?

Output: The presence of spider veins may mean a more serious condition such as DVT -LRB- deep vein thrombosis -RRB- . Surface veins , those that can be visible just under the skin , carry blood to your deeper veins that reside in the muscle . If these veins become weak or strained , they may contribute to venous disease . Have your doctor determine if your spider veins are merely unsightly or if there is an underlying medical condition .


Input: Does Health Insurance Cover Spider Veins?

Output: Health insurance is designed to cover medically necessary illness or accident . It would depend on the reason for the spider veins and is it medically necessary to do any procedure to correct them While spider veins are unsightly they are generally not life threatening so unless there is an underlying medical reason then most health insurance will not cover them . Check with your agent or insurance company to be sure .


Input: Does Geico Do Health Insurance?

Output: Geico does not underwrite Health Insurance.Many large carriers offer free online quotes . Speaking with or emailing a experienced Healthcare Broker will give you more details regarding a plan or plans that best suit your particular needs . Ask if you qualify for a Federal tax subsidy for your State Health Exchange ...


Input: Does Geico Do Health Insurance?

Output: Geico provides many lines of insurance such as auto , home , motorcycle , condo , life , RV , boat , renters and more ! However , they do not underwrite or provide health insurance products . However , there are many large carriers that offer healthcare plans such as Blue Cross , Aetna , Humana , Cigna and UnitedHealthone . And it 's very easy to view free online quotes for these carriers . Visiting an established reputable website or speaking -LRB- or emailing -RRB- with an experienced broker will allow you to easily compare the best options . Comprehensive , catastrophic , student and HSA policies will be available . You may also qualify for a federal tax subsidy for your State Health Exchange plans .


Input: What Kind Of Life Insurance Can You Borrow Against?

Output: Only permanent polices that have accumulated enough cash values in excess of policy expenses and surrender charges and those are Participating whole life , current assumption universal life , indexed universal life and variable universal life . Participating whole life insurance uses policy spread loans and direct recognition loans . Universal life policies use policy loans such as zero net cost , wash loans , spread loans and participating loans . They also have two sets of loan charges : variable and fixed interest rates . And two sets of policy rates : current company practice and contractual guarantees .


Input: What Kind Of Life Insurance Can You Borrow Against?

Output: The types of life insurance policies you may borrow from are cash value or permanent life insurance policies . These polices are commonly named whole life insurance , variable life insurance , universal life insurance or indexed universal life insurance . The cash value builds over time and will typically take about 5 years to accumulate enough cash value to begin taking loans . The first few years of premiums are used to fund the death benefit . The money is taken in the form of a loan in order to avoid paying taxes . If the money is withdrawn from the plan and not in the form of a loan , the coverage can lapse and the funds are subject to income tax . It is always a good idea to consult your agent or insurance company to avoid a costly mistake when taking money from a cash value life insurance plan .


Input: Who Needs Variable Annuities?

Output: In Canada , variable annuities are usually called segregated funds or seg funds . They are similar to mutual funds , but since they are issued by insurance companies they have certain guarantees and features . If you are looking for an equity investment , then segregated funds should be considered . In today 's marketplace there are a wide variety of plans available with very competitive costs . Segregated funds are suitable for self-employed business owners and professionals . In addition , individuals who want to invest in equities , but would like maturity and death benefits guarantees . This is especially important if you are within 10 to 15 years of retirement or already retired . Segregated funds can offer : Death benefit guarantees of 100 % or 75 % Maturity guarantees of 100 % or 75 % Some plans offer the ability to reset or lock in market gains Potential creditor protection Estate planning advantages including avoiding probate which can save fees and provide privacy . If any of these are important to you then , you should consider segregated funds . More information is available at www.ProtectandGrow.ca If you have further questions , would like a second opinion , or believe I could be of assistance , please do not hesitate to contact me .


Input: Who Needs Variable Annuities?

Output: It may not necessarily be the case that anyone needs a variable annuity . But variable annuities are well suited for people who are interested in taking on the additional risk available in the sub accounts available in a variable annuity , but also want the additional benefits afforded by a variable annuity . These benefits include return of premium and riders that can generate guaranteed lifetime income based on a certain account balance .


Input: When Should You Plan For Retirement?

Output: The obvious answer is `` as soon as you can '' . Time will definitely be your friend when you start saving early . However given the economy we live in and how so many of us lost money in our retirement plans these last few years , now is the time to invest in your retirement . Many plans to get ready for retirement are good but implementation of the plan is always the hardest task to accomplish . My advice to anyone who has yet to retire is to keep on planning , strategizing and implementing that plan . Every dollar you take into retirement is one less dollar you will have to worry about in retirement .


Input: Does Medigap Cover Nursing Home?

Output: In some situations Medicare will cover some of the cost of your stay in a nursing home . Admission to the nursing home must follow a qualfied stay or at least 3 days as an inpatient in a hospital . If Medicare approves your claim for a stay in a skilled nursing facility , your Medigap plan will pay their portion .


Input: Does Medigap Cover Nursing Home?

Output: Medigap plans C , D , F , G , M , and N will pay skilled nursing facility coinsurance , but only if Medicare will cover the stay . Medigap plans K and L pay a percentage of the coinsurance if Medicare will cover the stay . Medicare does cover some inpatient skilled nursing care , but only if 1 . its necessary to treat an improving medical condition AND 2 . services are provided at a Medicare approved facility AND 3 . the person spent at least 3 days as an admitted inpatient at a hospital . -LRB- Note : many Medicare beneficiaries that go to the hospital are coded for an observational stay , due to stricter governance by CMS over higher cost reimbursements for inpatient admissions . If a patient is coded for an observational stay , and not an inpatient admittance for at least 3 days , they are not eligible for the skilled nursing benefit . Over 1 million Medicare beneficiaries lost SNF benefit last year due to observation coding -RRB- . Medicare skilled nursing benefit : Medicare pays up to 100 days of skilled nursing facility -LRB- SNF -RRB- care if the qualifications are all met , days 1-20 in full , days 21-100 subject to $ 161 per day patient co-insurance -LRB- 2016 -RRB- . If a doctor places an individual in a hospital or skilled nursing facility when the kind of care the individual needs could be provided elsewhere -LRB- i.e. at home or a non-skilled care facility -RRB- , the individuals SNF stay will not be considered reasonable and necessary , and Medicare will not pay for it . If an individual stays in a hospital or skilled nursing facility longer than necessary , Medicare payments will end when inpatient care is no longer reasonable or necessary . Medicare also does not cover the stay if the patient needs only custodial care , i.e. assistance with activities of daily living .


Input: Does homeowners insurance cover fallen trees?

Output: If a fallen tree , whether your own or your neighbors , has landed in your yard , on car or on your home , you are likely wondering whether your current homeowners insurance policy will cover the repair costs . Damage to your home and its contents , regardless of whether the trees origin was from your own property or a neighboring , is covered under a homeowners policy . For property such as sheds , additions or detached garages , there is generally a maximum amount of coverage offered for fallen tree damage -LRB- i.e. 10 % of your entire propertys value -RRB- . Even though your homeowners insurance policy will cover damage resulting from fallen trees , it is important to keep in mind that you are financially responsible for any applicable policy deductible . For example , if your homeowners insurance policy has a $ 5,000 or $ 10,000 deductible and the total cost of repairs is $ 25,000 , you will be required to pay either $ 5,000 or $ 10,000 out of pocket for the clean-up to be completed . If the fallen tree was from your neighbors yard , it is possible that your insurance company will attempt to get their policy to cover the cost of the damage . In this event , you may be refunded any deductible you paid for the repairs .


Input: Does homeowners insurance cover fallen trees?

Output: There are two major sections to a homeowners policy , the property coverages and the liability coverages . Damage to your property caused by a fallen tree is covered by the property coverages and is adjusted after payment of the deductible . If your tree falls on a neighbors house and does damage your liability policy will provide coverage . In this case the claim will be adjusted without payment of any deductible . The one part that hasnt been mentioned is the tree itself . In most cases the coverage for the tree is quite limited . As you can understand replacing a mature tree can be very expensive . It is , however possible , that your homeowners policy has some coverage extension that will pay for the loss of a tree caused by a windstorm or similar event . Again that claim will be adjusted after payment of a deductible but the deductible isnt applied per tree , rather the entire claim .


Input: How Much Renters Insurance Coverage Do I Need?

Output: You need enough to cover your personal property for your coverage amount . For your liability coverage that depends on your income and other factors . Ultimately you can never have too much insurance . Insurance is what help protect you against a major financial loss . Most carriers do not offer less than 10000 of coverage for renters insurance .


Input: How Much Does Life Insurance Usually Cost?

Output: There are so many factors in pricing your lifeinsurance , it 's impossible to estimate the cost . How much do you need ? How long do you need it ? What gender are you ? Are you smoker ? Are you healthy ? Is your family health historygood ? Do you have dangerous recreational activities ? Is your motor vehicle record clean ? Do you have substance abuse problems with drugs oralcohol ? Do you have a felony ? Is your credit good ? Just to name a few of the factors that enter into the price tag of lifeinsurance .


Input: How Much Does Life Insurance Usually Cost?

Output: Life insurance usually costs under $ 100 per month . The age of the Insured , the length of time that the price is locked in , the health of the person being insured , and the type of policy all enter into the cost . And of course , it depends on how much life insurance you want .


Input: How Much Does Life Insurance Usually Cost?

Output: It depends on how much you need and for how long you need it . Your health and lifestyle matters as does the type of product you need . Term life insurance can cover a temporary need and is very affordable . For example , assuming a male age 40 needs coverage for 30 years , and is in excellent health , it may be possible to obtain $ 500,000 coverage for a level premium for that duration that amounts to a little more than $ 2 per day . For lifetime coverage that you can not outlive , you would need to consider permanent -LRB- cash value -RRB- life insurance coverage and the cost for that is higher . Older and less healthy people pay more . Be sure to meet with a life insurance professional who can assist you with the right solution for your needs .


Input: What Is Covered In Renters Insurance?

Output: A renters policy contains two major coverages . The property being covered is the personal property that the renter owns that is located in the rental unit -LRB- some coverage away from the unit . -RRB- The liability coverage provides assistance when you are sued for personal liability or property damage . There are other coverages included such as extra living expense and medical payments .


Input: What Term Should I Choose For Life Insurance?

Output: Some things to consider are What are your objectives ? For instance if you have young children and want to provide for their college educations and well being in the event of your death while they are growing up ; a twenty year term would suffice . Speaking with a trusted advisor will help you determine the level of coverage that best suits your objectives .


Input: What Term Should I Choose For Life Insurance?

Output: Pretty the longest one that fits into your budget . If the decision is set on gettin a term rather than a whole life policy , the longest period you can comfortably afford is the best way to go . Mae sure the rate and death benefits stay level , as well as noting whether or not there is a convertibility option for down the road planning . The latter would let you carve out a portion or all of the death benefit into a whole life policy , usually with some lessened restrictions on the medical underwriting side of things . Of course , my only exception to this philosophy would be if you are getting the protection on something specifically and measurably finite , like to backstop a car or house or some such . At that point one would have a loan with a definite set of time terms , which would then lend itself to getting term coverage matched up to the time requirements of the item or asset being covered .


Input: What Term Should I Choose For Life Insurance?

Output: The concept of term life insurance is to insure a specific event for a specific time period . For example , if you have a $ 200,000 mortgage for 30 years , then you would purchase a 30 year term for $ 200,000 to insure your loved ones could pay off the mortgage should you die too early . Another example may be your children 's education . Let 's say your children are 12 and 14 years old and their education would cost an estimated $ 150,000 . Then you would purchase a $ 150,000 10 year term to be sure they were taken care of if you were to die in the next 10 years unexpectedly . Always purchase term insurance to cover a specific need for a specific period of time . Term life insurance is also a greta affordable option to supplement smaller face amounts of whole life and universal life policies which are a more permanent solution for protection .


Input: What Term Should I Choose For Life Insurance?

Output: First you need to establish your present financial liabilities and future obligations . If youre under age 50 and your financial liabilities are 30 years , correlating , as an example , to a 30 year mortgage , then 30 year term life insurance coverage should be considered . Longer liabilities or ongoing liabilities may call for permanent life insurance coverage .


Input: Can I Transfer Medicare From One State To Another?

Output: Original Medicare follows you anywhere you go , whether moving within the state or out of state . Same is true for your Medicare supplement plan . If you purchase a Medigap plan here in Georgia and move to Texas you can take that plan with you . Medicare Advantage plans are required to drop your coverage if you move outside of their service area .


Input: Does Auto Insurance Cover The Person Or The Car?

Output: The answer can be both , but it would be a good idea to discuss this with your Insurance Professional to understand how your policy works . If the policy provides only Physical Damage coverage -LRB- Comprehensive and Collision -RRB- , then the car is covered . If it only provides Liability , uninsured and/or under insured motorist coverage , then it covers the named insured and anyone else so stipulated in the policy . If then the policy includes both physical damage and liability coverage , then both the car and the person are covered .


Input: How To Estimate Annual Homeowners Insurance?

Output: There is no reason to estimate the cost of your homeowners coverage . Speaking with a local agent will cost your nothing but about fifteen to thirty minutes of your time and will net you an accurate quote when you provide the information that is needed . Homeowners insurance premiums can vary greatly from carrier to carrier and location to location .


Input: When Do You Pay Taxes On Life Insurance?

Output: You pay taxes on life insurance in the year you received the benefits , if you need to pay taxes . If there is interest on the proceeds due to receiving the death benefit as installments , you will be given a Form 1099-INT with the amount for which taxes are owed . Estate taxes also apply if beyond the exempt amount .


Input: When Do You Pay Taxes On Life Insurance?

Output: Life insurance death benefit proceeds are paid to the policy beneficiary and are generally tax free . Depending upon the policy owners total asset base , proceeds could be included for estate taxation purposes . Cash value life insurance that is surrendered , terminated or matures with gain in the contract -LRB- including policy loans that exceed basis -RRB- will be subject to ordinary income taxes .


Input: What Happens To Your Retirement Plan If You Quit Your Job?

Output: What happens to your retirement plan if you quit your job depends on local legislation and the type of plan . When does the plan vest , means when do you get to keep the company 's contribution . For example , in Canada , some plans vest immediately and others after 2 years of employment . Depending on the type of plan you maybe required to transfer the value into a plan that is locked in until your retire to an individual retirement plan without triggering taxation . In certain certain circumstances you maybe able to cash in the plan and pay tax on the withdrawal . Your company benefits administrator should be able to provide you with your options . If you would like to work with a local Retirement Planner , you could start with a Google search . For example if you search for : retirement planner Halifax or retirement planning Halifax , my name along with several others will come up . You can use the same method to find Retirement Planners in your community . If you have further questions , or feel that I could be of assistance , please do not hesitate to contact me .


Input: How Much Does An Alarm System Save On Homeowners Insurance?

Output: That is going to depend on the carrier . Some carriers off a five percent discount for having an alarm system on your home other may offer no discount or possibly more of a discount . The amount of discount may also vary depending on the type of alarm system that you have . Is it local or does it connect directly with the police or fire department ? Contact your local agent to find out about the discounts that may be available for your homeowners policy .


Input: How Much Does It Cost To Add A Named Driver To Car Insurance?

Output: This is nearly impossible to answer as the rate that is charged for each insured on an auto policy is going to vary based on the factors that are used by the carrier to determine the rate . Contact your local agent and discuss your coverage needs with them , they should be able to provide you with coverage and pricing information for your area .


Input: Can I Add My Girlfriend To My Health Insurance In California?

Output: Technically , you have to be domestic partners . Here is a link to the definition of domestic partner in CA along as well as the registry ... WEBSITELINK Having said that , I do n't think there 's any particular advantage to having your girlfriend on your plan . You do n't get a better price , plus you 'd both have to meet your individual deductibles . If you are , in fact , domestic partners , there may be some subsidy implications . But again , there 's not much that you 'll gain by being on the same policy together .


Input: Is Car Insurance Federal Law?

Output: That is a great question ! It is n't a Federal law , but it is in most States , Counties , and Cities . The damage and expense of uninsured motorists is something no one wants , so it is pretty much everywhere that you will find a law about having insurance if you want to drive . The penalties for driving uninsured are very high , and it is so much more worth it to spend the money on the policy . Please do not consider hitting the road without it . Thanks for asking !


Input: Is Car Insurance Federal Law?

Output: No , the requirement to have and maintain car insurance is not a Federal Law , it is however , State Law in most , if not all states now . Insurance is regulated by each state 's Insurance Department and the requirement to have car insurance is a state law that is managed and regulated by each State 's Department of Motor Vehicles .


Input: How To Ace A Life Insurance Physical?

Output: A life insurance physical that includes the standard blood and urine analysis measures your body chemistry within normal ranges . So you dont have to ace it , just get into the normal ranges . Schedule the exam at the time you wake up . Your urine is as good as it gets for the first ounce or two after sleeping all night , so do that first . Second , have your blood pressure and EKG taken before the medical questions are asked . Some of your health history may cause your blood pressure to rise . And remember , you height and weight are also factor . Your agent can give you the height and weight tables of any carriers . If youre close to a better underwriting category , it may be worth your time to start that diet and exercise program . 14 hours before the exam : no food , no exercise , no sex . These medical indicators cant be significantly changed a week from your exam , but the longer you delay and alter your behavior prior to the exam , you may be able to mitigate some of the results .


Input: How To Ace A Life Insurance Physical?

Output: In addition to the great tips given here by the other professionals , I would add : > Do n't smoke a cigar or be around excessive smoke within a week before the exam , if you are applying for a nonsmoker or celebratory cigar rate > Be sure to drink plenty of water in the 24 hours before the exam > The insurance company will add back half the weight lost within the last year if you lose over 10 to 20 pounds . I have seen far too often where people put off applying until they lose weight , only to have the savings -LRB- if any -RRB- offset by their older age . Go ahead and get your rate locked in , then if you lose weight and keep it off for a year , you can always reapply in a couple of years . > If you have `` white coat syndrome '' and experience a high blood pressure reading , they will allow you to rest and retake your blood pressure two more times . So try not to stress about it . Good luck !


Input: How To Ace A Life Insurance Physical?

Output: how to ace a life insurance physical ? You really ca n't `` ace '' a life insurance exam , any real conditions you have will show up on the lab reports , However , you can improve your labs by simply avoiding doing certain things the prior evening or during the day of the exam . Eat a balanced meal , watch your carbs and alcohol consumption , get a good night 's sleep . While this wo n't hide a high number for things like liver function , it wo n't add to it , either .


Input: Does Medigap Plan F Cover Dental?

Output: No , Medigap plan F does not cover dental , nor do any of the other Medigap plans . If you have a Medigap plan and want to have dental insurance , you would need to secure an individual dental insurance policy . Please note , when looking for dental insurance programs , please please please make sure you look at the details of the programs . Many times I see people buy dental discount plans thinking they are dental insurance plans - they are NOT ! Make sure what you 're buying is dental INSURANCE ! I hope the information is helpful - please feel free to contact me with any other questions . Thanks very much .


Input: Is Life Insurance Mandatory In New Mexico?

Output: No , Life Insurance is not mandatory in New Mexico or any other state . At this time , health insurance is the only insurance in the process of becoming mandatory for most Americans , and liability car insurance is mandatory in many states . Whether or not you buy Life Insurance is up to you .


Input: Why Set Up A Life Insurance Trust?

Output: Some people set up life insurance trusts to transfer the money out of their estate , so that their heirs will not have to pay estate taxes on the life insurance proceeds -LRB- if the estate is over the amount exempt from estate taxes -RRB- . This is called an irrevocable life insurance trust and it transfers ownership of the policy to the trust . Some people use Life Insurance Trusts to give money to charity , fund their child 's or grandchild 's education , or distribute funds to their beneficiaries in the manner they best see fit .


Input: How To Decide Between Medigap And Medicare Advantage?

Output: Every situation is different . If you live in an area where networks are strong and ou do very little traveling then you may want to consider Medicare Advantage . If you travel or the plans are not strong in your area then consider a Medicare Supplement -LRB- Medigap -RRB- . Generally you will pay a higher premium for a Medigap plan , but in most cases you do not have to worry about networks and your potential out of pocket exposure if you have a health issue will be far less than a Medicare Advantage plan . To determine what is right for you , sit down with an experienced agent who represents multiple companies and both Medicare Advantage and Medigap plans to help you determine the right choice for you .


Input: How To Decide Between Medigap And Medicare Advantage?

Output: A clear understanding of the benefits of each is required to make an intelligent decision . Medicare Advantage plans REPLACE Medicare as your primary insurance . Those plans which are HMO 's require you to pay higher co-pays and deductibles if you use physicians and hospitals which are n't within the insurers network . Benefits under Medicare Advantage plans are usually changed from one year to the next , premiums as well . But each year you can review the various plans in your area and choose the one which seems best for that year . Medicare Supplement policies are designed to pay some or all of the deductibles and co-payments required if you select Medicare as your primary insurance . If Medicare is your primary insurance , you can use any physician who or hospital which accepts Medicare . Medicare Advantage plans do provide additional , usually low cost services . . eye refractions , some dental or hearing aid benefits , and etc. . But Medicare Advantage plans have higher out-of-pocket maximum costs than Medicare/Medigap plans .


Input: Where Should I Buy Home Insurance In Iowa?

Output: If you are in need of information on homeowner 's insurance in Iowa , give me a call or send me an email . Many companies offer the similar coverage as many of their contracts are written off the same template . There are some variations in coverage and coverage options which may apply to your personal situation . Trevor Toft State Bank Agency 7122754512 sbagency@schallertel.net


Input: Why Is Home Insurance So Expensive In South Dakota?

Output: South Dakota Home Insurance rates are heavily affected by Hail and Wind . In the last four years every major city in the state has been hit by hail storms , some of them multiple times ! The # I have been given is that if you took every dollar of property insurance premium paid in to insurance companies in 2008 , 2009 , 2010 , 2011 and 2012 the insurance companies have paid out about $ 1.40 in claims for every $ 1.00 in premium . This has lead to rate increases , tightened underwriting , and some companies have left the state -LRB- stopped selling insurance here -RRB- . As an individual , the best things you can do are : 1 . Watch your credit . Insurance rates are based somewhat on your credit information . The better credit you have the lower your rates will be . 2 . Keep a high deductible . Insurance companies want to be there for you when you have a major claim , but they want you to handle the small stuff . Many people are changing to $ 2,500 deductibles . 3 . Use impact resistant materials . The company I work for -LRB- American Family Insurance -RRB- offers a large discount for impact resistant shingles and certain steel roofs . There are other discounts for cement board siding -LRB- versus vinyl since it does n't hold up well to hail -RRB- . Send me an email if you would like a quote !


Input: What Companies Offer Renters Insurance?

Output: Almost all auto and homeowners insurance carriers offer renters insurance . If you currently have your auto insurance through a local agent contact them about renters insurance . They will more than likely have a product available . If you combine your renters and auto insurance with the same carrier you will more than likely receive a discount on your premiums .


Input: What Companies Offer Renters Insurance?

Output: Many insurance companies offer renters insurance . The difficult task is to identify the insurance agent with whom you wish to work . The agent should be someone who will listen to you , provide sound financial advice and communicate clearly with you and the insurance company . Setting proper limits for coverage is the most important part of this process and the agents assistance should be very helpful .


Input: Is An Immediate Annuity A Fixed Annuity?

Output: An Immediate Annuity is one that begins to pay a regular amount to the annuitant in the first pay period after depositing the funds . The pay periods may be monthly , quarterly , semi annually , or annually . A deferred annuity is one that has an accumulation period for a determined amount of time before the distribution begins making it a `` deferred '' annuity . Either one may be fixed or variable .


Input: Is An Immediate Annuity A Fixed Annuity?

Output: An immediate annuity is an annuity that begins immediate payouts of income . It can be fixed , indexed , or variable . A Fixed Annuity has a set interest rate that it will pay . An Indexed Annuity has a guaranteed rate which can increase based on the performance of stock index 's . A variable annuity 's interest rate is more closely tied to the stock market and is a little more volatile .


Input: How Much Does A New York Life Insurance Agent Make?

Output: How much does a New York Life agent make ? Well it goes from zero to millions , depending on the agent . New York Life is a commission based company that pays agents for completed transactions in insurance and equity investments . Since the company is based in New York all commission payments are based on the State of New York 's restrictions on commissions . So in many cases this means the New York Life agent makes less upfront on sales than other agents . Commission payments tend to be stretched out over time with the policy .


Input: How Much Does A New York Life Insurance Agent Make?

Output: That is a great question ! All insurance agents are paid off of what they sell , not off a steady paycheck . The commission payments are based on a percentage of the annual price paid for the policy , and the type of policy sold . Since the agents are paid on commission , the amount an agent will make is dependent solely on their work ethic , sales skills , and the products sold . Obviously that can vary quite a bit . I hope that helps , thanks for asking !


Input: How To Buy Long Term Healthcare Insurance?

Output: To buy Long Term Healthcare Insurance , you can look in the Yellow Pages or a search engine on the internet for Long Term Care Insurance . You will find companies and brokers who you can call , and who will answer your questions and help you find the best policy for your age , health , and the costs of long term care in your area . Once you find a plan , you will fill out an application and take a free exam in your home , then the company will let you know whether or not you are approved . When you pay the first premium , the policy is yours .


Input: How Much Is Health Insurance For A 18 Year Old?

Output: Health insurance on an 18-year old would tend to be very inexpensive . Depending on the state , rates could range from $ 30 - $ 175 per month -LRB- or higher in selected states -RRB- . Short-term plans are the least expensive although pre-existing conditions are not covered . Rates are expected to increase in 2014 when buying coverage becomes part of the law .


Input: What Does A Car Insurance Agent Do?

Output: Great question ! The agent is the person who should be helping you find the right policy for you , Then being your go-to guy for any issues that may ever arise . The agent should be your advocate , educator , andprotector . They should develop a good working relationship with you , one that can last many years . I hope that you find one like that for yourself ! Thanks for asking !


Input: What Does A Car Insurance Agent Do?

Output: By definition , an agent works for a company to identify risks that the company is willing to insure . In some states there are `` brokers '' who represent several companies , however , they are normally acting as agents when they actually bind coverage . A car insurance agent then is a person who collects information that allows a company to weigh a risk and make an offer of coverage . An agent also advises the public on coverages , limits and exclusions .


Input: How Much Is Typical Health Insurance?

Output: How much does health insurance cost ? The rate can vary , depending on your age , what state you live in , and until 2014 , what medical conditions you have . Monthly premiums could be as low as $ 25 - $ 30 for a young person or as high as $ 250 - $ 1,000 per month for an older person in one of the more expensive states . Utilizing an experienced broker will help quite a bit in determining the cost . Of course , there are no fees , and in minutes -LRB- or less -RRB- , you 'll be able to view the best options .


Input: What Is The Best Auto Insurance For Newly Graduated High School Students?

Output: If you are not able to stay with your parent 's policy , one way to get discounts is to purchase another type of coverage from the same carrier . Life insurance , health supplemental , or renter 's policy would get you a multi-line discount - and would be useful and good for you .


Input: What Is The Best Auto Insurance For Newly Graduated High School Students?

Output: That is a great question ! Honestly ? Your parents ' policy will be far and away cheaper than any that you might purchase for yourself . The 16-21 age bracket is the most risky for insurers , and they will most certainly charge you accordingly for that risk . Your parents will get breaks on their insurance that you wo n't , and by adding you to theirs , they should get another one . If that really is n't an option for you , my suggestion is that you do your homework and shop for the best rate . You want to look for a deductible amount -LRB- the highest amount of money that you could scrape up if you needed to -RRB- that is affordable , and the most coverage that you can afford . a comprehensive policy is best , if you can find one that you can easily afford . Be a safe and conscientious driver , and that will help out tremendously also . Good luck , and Congratulations on graduating . That is really something to be proud of . Thanks for asking !


Input: What Is The Best Auto Insurance For Newly Graduated High School Students?

Output: Great question ! Usually staying on the parent 's auto policy will be best , as you retain all the discounts that they currently have . You can still pay your own premium and even have your own policy # with some companies . Going `` solo '' at a young age can be very expensive , especially with no credit history . Hope this helps !


Input: What Is The Best Auto Insurance For Newly Graduated High School Students?

Output: In California the key to auto insurance rates is who is on the title of the vehicle and where is the vehicle located . The way to pay the least is to live at home and have the parents on the title . They dont need to be the sole title holder but should be included as co-owner at a minimum . Your parents company might even reduce the premium if you leave the car at home when you go to college a long way away . I think you understand that as a single individual with little driving experience it will be difficult to obtain inexpensive auto insurance , because those kinds of drivers have more accidents than average .


Input: Who Does My Life Insurance Go To?

Output: You select who your life insurance goes to . That person is called the beneficiary . When you insure your life , you choose who you want the death benefit of your life insurance policy to go to . The primary beneficiary or beneficiaries are first , then if they are not alive , the contingent beneficiary or beneficiaries will receive your life insurance proceeds .


Input: Can I Buy Life Insurance For My Spouse?

Output: You can buy life insurance for your spouse if your spouse consents to you doing so , as indicated by signing the application . If buying a No Exam policy , your spouse may need to do a phone interview . If purchasing a medically underwritten policy , your spouse will need to do an exam in your home or other place of choice .


Input: Can I Buy Life Insurance For My Spouse?

Output: You can buy a life insurance policy on your spouse , if you can justify the amount of coverage and demonstrate the economic loss you would suffer at the demise of your spouse . Of course , the biggest item is that youll need your spouses signature as the insured in the application .


Input: How To Get Home Insurance To Pay For New Roof?

Output: `` Getting '' your Homeowners ' Insurance Company to pay for a loss claim really has to do with the coverage provided in your particular policy . It is best to discuss the terms and conditions of your policy with your Insurance Professional in order to gain a better understanding of the coverage and any limitations .


Input: Is Medicare Deductible On Taxes?

Output: Possibly . If you itemize your tax return deductions , and your out of pocket -LRB- deductible , coinsurance , unreimbursed medical expenses -RRB- and you meet the guidelines for deductibility , you may be able to write off a portion of the Medicare deductible that you actually paid . If you are self employed you may also be able to write off some or all of your out of pocket expenses .


Input: Who Offers Short Term Disability Insurance For Maternity Leave?

Output: There are two companies that I am aware of that offer short term disability insurance that you can use for pregnancy and childbirth . One is Mutual of Omaha and one is Assurity Life . Please contact me if you would like me to look into getting you a short term disability insurance quote .


Input: Who Offers Short Term Disability Insurance For Maternity Leave?

Output: Individual disability policies do not offer maternity leave benefits . However , some group disability insurance policies may provide maternity benefits - not all do though -LRB- be sure to note that -RRB- . If you have a group disability policy , be sure to check the benefits under your policy - especially the definition of disability -LRB- many group DI policies feature a `` gainful occupation '' definition -RRB- - certain conditions likely will need to be met for a maternity leave benefit claim to be approved . If you 're looking for individual disability insurance or to set up a group disability policy , please send me an e-mail via the contact me button next to my name with your name and contact information to reach you at . We have an agent in our group with a strong disability insurance background . I hope the information is helpful - thanks very much .


Input: Can Supplemental Insurance Be Used Along With Medicare?

Output: Well , there are policies specifically designed to supplement Medicare and they are called , coincidentally enough , Medicare supplement plans . These policies are designed to dovetail in to Medicare and fill the gaps . You can also purchase -LRB- or continue past age 65 -RRB- some more traditional supplemental plans such as cancer policies or critical illness . Medicare + Medigap is so comprehensive cancer plans , etc are of very little real value .


Input: Can Supplemental Insurance Be Used Along With Medicare?

Output: Can supplemental insurance be used along with medicare ? That 's what supplemental insurance was made for . Medicare covers many things , but not everything and not every cost a person may face . A medicare supplement steps in and fills the gaps to make Medicare a more complete policy . How complete depends on which plan you choose from the Medicare supplements authorized by your state . One thing to keep in mind as things change in our healthcare world is that many practices are n't accepting new patients with just Medicare , so a supplement is something to consider if you decide to go that route .


Input: Does Life Insurance Pay Double Accidental Death?

Output: Does life insurance pay double accidental death ? It can if the insured has a accidental death and dismemberment rider attached to the policy . The question is would the extra money spent on a accidental death and dismemberment rider be better spent on extra term insurance coverage ? Then the insured would receive a payout not subject to conditions .


Input: Does Life Insurance Pay Double Accidental Death?

Output: Life insurance pays the death benefit if the insured person passes away due to natural causes or accidental death . If you want the policy to pay double in case of accidental death and your policy does not do that as a feature of the policy , you may be able to purchase an accidental death rider . That way if death occurred to accident , the policy and the rider would , resulting in double payment for accidental death .


Input: Does Life Insurance Pay Double Accidental Death?

Output: Not all policies do , it depends on your contract . If the policy has a double indemnity clause then yes it will otherwise the answer is no . My advice is to sit down with a good experienced independent life insurance agent and do a complete policy review to help you understand the policies you now own .


Input: If I buy a car in Florida and leave it in Florida will my personal insurance cover it?

Output: Most states , and I believe Florida is included in this , require that you show proof of auto insurance issued in that state in order to register your car . So if you live elsewhere and are in Florida only part of the year , ask your Insurance Professional for a referral to a Florida agent if yours is not already licensed there .


Input: What Is Gmib Variable Annuities?

Output: The acronym GMIB stands for guaranteed minimum income benefit . Not all variable annuities have GMIB option , but for those that do it can be like pouring a footing for the foundation of your variable annuity purchase if you need to annuitize it for lifetime income . Remember variable annuities are securities and you could lose money in the cash account , so buyer beware .


Input: What Constitutes A Qualifying Event For Health Insurance?

Output: You can only apply for health insurance outside of the annual enrollment period if you qualify for a special enrollment period -LRB- SEP -RRB- . This goes for health plans both on and off the health insurance exchanges . To qualify for a special enrollment period , you must have a `` life-changing event . `` Qualifying events include : 1 -RRB- Getting married 2 -RRB- Having a child 3 -RRB- Adopting a child 4 -RRB- Fostering a child 5 -RRB- Moving out of your current coverage 's service area 6 -RRB- Losing your existing health insurance under certain conditions including : 7 -RRB- Loss of group coverage through your employer 8 -RRB- Your COBRA coverage expired 9 -RRB- You get divorced 10 -RRB- You come off your parent 's group coverage 11 -RRB- Your plan was terminated by the carrier 12 -RRB- You lose your Medicaid eligibility , CHIP eligibility , or similar situation 13 -RRB- Becoming a U.S. citizen 14 -RRB- Leaving incarceration 15 -RRB- Becoming a member of an indian tribe : those in a federally recognized tribe can apply for new coverage/make changes to their existing coverage once a month throughout the year Please note , voluntarily terminating your existing coverage or your coverage was terminated by the carrier because you did n't pay your premiums are NOT considered qualifying events for a special enrollment period . Please let me know if I can be of further Assistance . Thanks very much .


Input: What States Have Health Insurance Exchanges?

Output: Each state has a health insurance exchange as required by the Affordable Care Act . The health insurance exchanges are run either by the state , in partnership with the federal government , or run entirely by the federal government . You can find links to each state insurance exchange on the healthcare.gov website .


Input: How Much Is Aflac Life Insurance?

Output: To find the price of AFLAC Life Insurance , contact an American Family Life Insurance agent . The price will depend on your age , sex , health factors , amount of life insurance you are looking for , and type of policy you desire . If you want to compare the AFLAC quote with other life insurance quotes on the internet , you can visit a site with a free life insurance quote engine and input your information . Be sure to compare prices for the same product when making your decision . E.g. Do n't compare a 10 year Term quote with a 20 year Term quote ; make sure both are the same number of years and are both guaranteed not to go up in price for the same number of years .


Input: Can Home Insurance Cover Plumbing?

Output: Homeowners insurance will not cover plumbing for normal wear and tear . In other words if the pipes just get old and you need new pipes they are not covered . If a pipe were to burst suddenly and flood your kitchen for example the insurance would pick up the damage caused by the water but will not fix the pipe . This is assuming of course water damage is not excluded from your policy .


Input: What Are The Medigap Plans?

Output: Medigap -LRB- Medicare supplement -RRB- plans are designed to fill the gaps created by original Medicare by virtue of deductibles and coinsurance . Medigap plans are standardized and assigned a letter A , B , C , D , F , G , K , L , M and N. All plans with the same letter are identical in every way except price . When you pay more you do n't get more you simply paid too much .


Input: Does Homeowners Insurance Cover Roof Repair?

Output: Your homeowners will repair or replace your roof if damage is the result of a specified peril -LRB- i.e. fire . -RRB- Most companies limit recovery on a roof claim to the actual cash value of the roof . That means that the recovery can not exceed the depreciated value of the roof . This is because roof life is much shorter than the rest of the house .


Input: Does Homeowners Insurance Cover Roof Repair?

Output: Repair to a roof can be covered if the damage was caused by a covered claim such as wind or hail . However , if the roof is old and needs repair due to the fact that it is just getting old , it will not be covered under your homeowner 's insurance . And it may be time to get a new roof !


Input: Does Getting Married Lower Car Insurance?

Output: It may depending upon the terms and conditions of your policy and the way that your company has filed iit in your state . Many times adding your spouse and changing your marital status will lower your rate , but so too willl adding your new spouse 's car in order to take advantage of the multi car discounts that many companies offer .


Input: Can You Get Health Insurance Just For A Child?

Output: Yes , you can get health insurance for just a child . Children under 18 are approved regardless of pre-existing conditions . For that reason , there is an open enrollment period , which is around their birthday . If you are enrolling a child outside open enrollment , you may pay a higher rate , but it is miminal .


Input: Does Home Insurance Cover Heating?

Output: A homeowners policy pays for damages caused by specified perils . If the heating system in a home is damaged by fire , for example , it would have been caused by a specified peril . If it broke because of age or poor maintenance , it wouldnt be covered . Those arent specified perils . Recently there have been thefts of the tubing going to heat pumps . That would probably be covered .


Input: Where To Find Health Insurance For Preexisting Conditions?

Output: In most states , you can now buy health insurance through the federal government website WEBSITELINK . This is a free service where you can view the plans that are available to you . Many people qualify for subsidies to help them pay premiums , and they can not turn you down due to preexisting conditions .


Input: Where To Find Health Insurance For Preexisting Conditions?

Output: Health insurance for pre-existing conditions is covered through the Affordable Care Act -LRB- Obamacare -RRB- . When you purchase coverage through designated Open Enrollment periods , your pre-existing conditions are covered and you can not be denied for medical underwriting reasons . A licensed broker -LRB- preferably someone that has been in the business at least 20 years -RRB- can help you compare the best options and easily enroll .


Input: When Can You Cash In A Life Insurance Policy?

Output: Anytime you want . If you do , then your coverage is terminated upon surrender of the policy . What cash values remain will depend on surrender charges , how long you 've been paying and the performance of the policy . Keep in mind that any policy gains will be treated as an ordinary income tax event at your effective tax bracket .


Input: How Do Car Insurance Agents Make Money?

Output: Insurance Agents are paid by the insurance carrier . It is important to note that the premium you pay is in no way affected whether or not you use an agent . The insurance prices are `` set '' and do not change whether you buy direct from the carrier or from an agent . So you 're getting all of the experience and knowledge the agent has attained at no cost to you ! Additionally , the agent becomes your `` go to '' person should you need help in the future . A good agent will also keep his/her eyes open for changes that occur in the marketplace that may affect you , as well as additional products that may protect you and your family . That 's quite a lot of service and benefit for zero cost !


Input: How Do Car Insurance Agents Make Money?

Output: Great question ! In almost every case , an insurance agent makes a living off of the commissions on the products they sell . The insurance company pays the agent a percent of the yearly value of the policy they sell . They may get some small base salary or benefits , but the majority of the income will come from the policies that they sell . Thanks for asking !


Input: Does Health Insurance Cover Gardasil?

Output: The answer to your question is `` it depends '' . If you are still covered under a grandfathered policy not subject to all the requirements of the Affordable Care Act the answer could be either yes or no . You should check with your insurance carrier first and verify if the Gardasil vaccine is covered and , if so , under what circumstances . For health insurance plans compliant with the requirements of the Affordable Care Act -LRB- ACA -RRB- for plan years starting after August 1 , 2012 then the Gardasil vaccination is covered under the preventive care requirements of the ACA . The preventive care requirements of the ACA require that several vaccines be covered at no cost sharing -LRB- i.e. - no copay -RRB- to the member and Gardasil is one of these specifically for the prevention of the Human Papillomavirus . This requirement applies to essentially all individual and group health plans subject to the ACA though there is a limited exception for certain non-profit religious organizations such as churches and schools .


Input: What Disability Insurance Should I Get?

Output: Most financial advisers recommend getting Long Term Disability over Short Term Disability because more people can survive a short period of being without income , rather than a long term period . Also , Long Term Disability Insurance is easier to get , with more companies offering it . And Short Term Disability Insurance is offered more commonly in the workplace .


Input: What Disability Insurance Should I Get?

Output: If you can only afford to get one type of Disability Insurance , getting Long Term Disability Insurance is generally the recommended choice . That is because you can get it to pay years , up to a lifetime -LRB- retirement age -RRB- of benefits . Most people can survive several months of no income , but would be devastated by several years of no income . Granted , Social Security Disability benefits may be approved after a year , but SSDI does not pay as much as private Disability Insurance , and you can get private DI benefits much faster . Also you can purchase your DI policy to cover your own occupation , so that benefits can be collected even if you can work at `` any '' job , but not back at your `` own '' job .


Input: What Disability Insurance Should I Get?

Output: What disability insurance should I get ? The one that gives you the best definition of `` disability '' . The definition is everything with these types of policies . A life insurance policy , pretty much you 're dead , they pay . With disability insurance , it comes down to the definition of disability to determine if the plan pays or not . The best definition of disability will usually be very short and straight forward because pretty much after the first couple sentences , the additional text is telling you what will change your coverage . A lot of words in this case is n't good for the consumer .


Input: What Disability Insurance Should I Get?

Output: There are several good disability insurance companies in the market place . Besides the premium differences between companies , you also have differing policy definitions on disability benefits . Add to this `` Own Occ , '' which covers specific vocational skill sets like a brain surgeon . Different carriers also offer short and/or long term disability insurance polices that can also make a difference from carrier to carrier .


Input: Who Can Collect Disability Insurance?

Output: If you own a disability policy , the benefits can help you through times of injury and sickness . The non deductible premiums will generate a tax free benefits up to 60 % of your compensation if you purchase full coverage . When you file a claim , you have a waiting period or elimination period like 90 days for example before you can begin collecting benefits .


Input: Which Drugs Does Medicare Cover?

Output: Medicare Part B covers some medications . Mostly , these are medications that are provided by and administered in the doctor 's office . It also pays for transplant medications that are acquired through pharmacies . Other than those , all medications fall under Part C -LRB- Medicare Advantage -RRB- or Part D -LRB- Prescription Drug Plan -RRB- . There are many plans to choose from , and they do n't all cover the same medications or have the same copays , so it is important to look at the plan formulary before deciding on your insurance .


Input: Does Medigap Cover Prescriptions?

Output: No , Medigap insurance plans do not cover prescription drugs . If you have a Medigap plan or are interested in getting in , you would need to add a stand-alone Part D prescription drug plan . I hope the information is helpful - please feel free to contact me for help with your coverage and if you have any other questions . Thanks very much .


Input: Does Medigap Cover Prescriptions?

Output: As of June 1 , 2010 Medigap policies no longer can offer coverage for outpatient prescription drugs . Federal requlation requires that all Medicare beneficiaries have creditable prescription drug coverage . There are four ways to accomplish this : Drug coverage via an employer plan or retirement medical plan through a prior employer . Drug coverage via a Union retiree health plan . Veteran 's Administration -LRB- VA -RRB- drug coverage , available to certain veterans . A Medicare Part D Prescription Drug Plan . All the best to you . Mark


Input: Is Pet Health Insurance A Good Idea?

Output: Pet Health Insurance is a good idea if you are willing to go to extreme measures to treat your pet , or save its life . Consumer Reports in Sept of 2011 concluded that pet insurance is not necessary for those who are willing to set aside some money each month for their pets ' medical needs . However , other agencies concluded that it is necessary due to the high cost of treating pets and managing their pain . Again , if you are willing to provide dialysis , transplants , diabetes shots , and the like to extend the life of your pet , pet insurance can pay off .


Input: Can I Drive My Moms Car Without Insurance?

Output: If you are driving your mom 's car or any car on a regular basis you need to be listed as a driver on the insurance policy . Most companies will allow occasional usage however more and more companies are denying coverage for household residents not listed on the policy or those where it is obvious they are driving the car on a regular basis . The best option is to contact your insurance company and add all drivers to the policy .


Input: Where To Find Renters Insurance?

Output: Renters insurance is available through several sources . However , the best place to buy insurance is from a trusted insurance agent . If you dont have an agent , ask your friends , colleagues or neighbors for a referral . A good insurance agent will listen to you , provide sound financial advice and communicate clearly with you and the insurance company . His or her services are invaluable when it comes to setting limits and taking care of other requirements . The agent is particularly valuable when you have a claim .


Input: Who Has Good Home Insurance?

Output: Every company has good home insurance policies . If they did n't they would n't be in business any longer . The real question is what coverage do you expect out of you home owners coverage . This will define the carrier and cost of that policy . Please contact a local agent to find out what carriers , coverage , and exclusions there are in your geographic area .


Input: What Do I Need In Renters Insurance?

Output: Actually the most important part of a renter 's insurance policy , in my opinion , is the liability protection it provides . Personal injuries can occur and the loss can be substantial . Most people buy a renter 's policy to replace the contents of their home . I recommend the contents be photographed , inventoried and a resonable estimate of the cost of replacement be made , then apply for the coverage . It is usually , quite inexpensive .


Input: What Is Graded Benefit Whole Life Insurance?

Output: Graded Benefit Whole Life Insurance is permanent life insurance that does not pay out the full death benefit for natural death until you have had the policy for a while . The average graded period is two years . During this time it may pay a percent of the death benefit for death due to natural causes such as illness , or it may return all you paid in plus a little extra . After 1 to 4 years , a graded policy will pay 100 % of the death benefit . They usually also pay 100 % from day one for accidental death .


Input: What Is Graded Benefit Whole Life Insurance?

Output: Graded Benefit Whole Life Insurance is an increasing stepped up premium that as a level death benefit in guaranteed issue policies . It also can be a participating graded premium whole life policy that starts out with a gradual step up in premium and then levels our on the future . Participating whole life products use declared dividends to pay premium or limit the payments if the dividend is large enough .


Input: When Will Life Insurance Not Pay?

Output: Life insurance will not pay a claim for death by suicide if the suicide was committed within 2 years of the anniversary date of the policy . After that it will . Life insurance will not pay a claim if it can be proven that the policy was obtained based on deliberately fraudulent information such as the insured / applicant knew at the time of applying for the policy that they had a terminal disease and somehow was able to keep pertinent medical records from the underwriter , or other misrepresentations intended to defraud the insurance company .


Input: When Will Life Insurance Not Pay?

Output: If you filled out your life insurance application as thoroughly and truthfully as you could , you did not commit suicide or get killed in an act of war during the first two years of taking out your policy , and you did n't die from something specifically excluded by your own policy -LRB- e.g. flying a private plane -RRB- , your policy will pay .


Input: Can I Get Medicare EOB Online?

Output: I believe you 're referring to where can you find out what benefits and services are covered by Medicare . The Medicare.gov website provides in-depth information about what is covered under Medicare Part A -LRB- hospital insurance -RRB- and Medicare Part B -LRB- physician insurance -RRB- and a general breakdown of what percentage of costs Medicare covers and what percentage of costs you 're responsible for paying . The Medicare & You handbook is a great tool to review as well - it 's available on the Medicare.gov website as well , but I believe you can also google it as well to find a pdf copy to download .


Input: Is Medicare Only For Old People?

Output: That is an excellent question ! Though I think I 'd be careful , I 've seen some senior citizens that get testy when you call them old ! But to answer your question , yes , you can not enroll for Medicare until you turn 65 . While it is advisable that you enroll when you turn 65 , it is possible anytime after your 65th birthday for you to sign up . You can be on Social Security before 65 , but not Medicare . Thanks for asking !


Input: Is Medicare Only For Old People?

Output: No . While most people will enroll in Medicare when they turn 65 , some people can enroll before then . They must meet certain eligibility requirements such as being on social security disability/have end-stage renal disease and have been receiving benefits for 24 continuous months -RRB- . If you 're still working and have group coverage , you can elect to postpone receiving Part B until you 're ready to come off the group plan . When you 're ready to come off the group coverage , you 'll have a special enrollment period to enroll in Part B . If you do n't do it in this window , you will have to wait until the annual general enrollment period -LRB- January 1-March 1 -RRB- - please note , if enrolling during your general enrollment period , you will have a July 1 effective date . Part A is premium-free for most individuals because you 've been paying FICA taxes during your working life -LRB- you need 40 quarters/10 years of working life to qualify for premium-free Part A -RRB- . Part B requires a monthly premium -LRB- $ 104.90 in 2014 - can be higher for individuals in higher income brackets - figure based on your modified adjusted gross income from your tax return from 2 years prior -RRB- . When you first enroll in Part B , you will also trigger a six-month open enrollment period to buy a Medicare supplement plan with NO MEDICAL UNDERWRITING . This is THE BEST time to buy a supplement plan - plan F is the most comprehensive plan .


Input: Why Are Annuities Safe?

Output: Annuities are only as safe as the insurance company that issues them . And keep in mind that fixed interest rates and some indexed annuities have contractual guarantees . Make sure your read the fine print . Variable annuities are a security which offers a general fixed interest rate account and separate sub accounts using equity and bond instruments subject to market performance , i.e. you can lose money .


Input: Can I Get Life Insurance If I Have MS?

Output: Most people can get life insurance if they have MS -LRB- Multiple Sclerosis -RRB- . Relapsing remitting MS with stable treatment over one year , no exacerbations for over a year , and few effects from the disease -LRB- able to work full time -RRB- will enable you to get the most affordable MS life insurance , possibly rated as good as Standard to Table 3 . If you have one of the types of Progressive Multiple Sclerosis , are in a wheelchair or unable to do your own ADL 's -LRB- Activities of Daily Living such as bathing or eating without the assistance of another person -RRB- , you will usually need to go with guaranteed issue life insurance . There are also a number of plans for persons with all types and severity of MS. Contact a good impaired risk agent who specializes in this type of coverage to cover the bases accurately and find your best rate .


Input: WhatAre Fixed Annuities?

Output: Tax deferred annuities have differing crediting methods : indexed , separate sub accounts and guaranteed fixed interest rates . Fixed interest rates are generally offered for a time certain periods like 5 , 7 or 10 years . Interest rates have recently began to rise , so most advisers are not recommending long term periods like ten years . The fixed interest rates and the tax deferral feature of annuities generally have a greater economic impact for savers than the traditional CDs offered by banks .


Input: Is Home Insurance Paid In Advance?

Output: Insurance policies are always paid in advance . There is a time when legal requirements make it appear that the policy is not paid in advance , however , that is the theory . The computer has allowed companies to determine fractions of premiums and they usually try to stay ahead of that fraction .


Input: Is Home Insurance Paid In Advance?

Output: Generally speaking , yes it is . If you are buying a home and your lender is setting up anescrow account set up for you , then you will be requred to pay the full first year 's premium before closing . But even if you are paying your premiums directly to your insurance provider , the premium you pay is for coverage that will be provided for a certain term . If for example you pay monthlyon the first of the month , that premium will be for coverage provided until the first of the following month and so on .


Input: Is Liberty Mutual A Good Auto Insurance?

Output: Liberty Mutual is a very good auto insurance company . It is one of the larger carriers in the US , and as an experienced broker , it is often a company we recommend to clients because of low prices and great service . Naturally , rates from Liberty Mutual and any insurer can widely vary in different areas . An experienced broker and website can help you easily compare the top-rated carriers and get the best deals . It 's always best to shop and compare prices every 3-5 years to ensure your current premium is still competitive .


Input: Can I Use My Auto Insurance To Rent A Car?

Output: Yes you may use your personal auto insurance to rent a private passenger vehicle . You will have the same coverage 's that you carry on your personal auto . There are pro 's and con 's to using your own insurance but you are covered . I highly suggest you always confirm with your agent as there may be certain restrictions depending on the insurance carrier you are with .


Input: Can I Use My Auto Insurance To Rent A Car?

Output: It may be possible , but you will need to talk to your Insurance Professional about the specific terms and conditions of your policy . In many cases , the insurance that you have on your car policy will extend over onto another car that is being used to temporarily replace yours . A rental car would generally qualify for that so long as you are renting it personally and not through a business . Keep in mind that only the coverage you have will extend so if you do not have Collision on your policy , there would therefore also be no coverage for that type of damage on the rental so you will have to make arrangements to purchase the coverage the rental company offers .


Input: Can I Use My Auto Insurance To Rent A Car?

Output: Your auto insurance will often extend to a vehicle you rent , depending on the specific circumstances . If the rental is replacing your car because of repair , vs , a car n vacation , the situation may be different . It 's best to determine the state you are in , the company you are with , and why you are renting a car to determine exact coverage . LIVE answer provided by : Ed Harris - Premier car insurance broker for 33 years and owner of several top-rated websites .


Input: Why Is A Flexible Premium Life Insurance Policy Better Than Fixed Premium Permanent Life Insurance?

Output: Its really not a question of what is better . Its a question of knowing how to use the flexibility built into the product . Universal life insurance can accommodate flexible premium payments . At the same time , it makes available premium guarantees . If you overuse the flexibility of the product , you can lose the guarantees . A certain payment commitment must be made to the company if you want them to guarantee the coverage for a specified amount of time . If you overfund , then underfund , then stop paying , then start paying again , odds are you wont get the guarantee you want for the time you want . But if you are smart about it , you can have your cake and eat it too . You can take advantage of the flexibility of the product to come up with a creative funding strategy . So the flexibility is really best utilized in the design stage . Then , when you come up with a payment schedule that is suitable , you make your payment commitment . You stick with the program . What kind of payment strategies could you employee with this product ? The options are many . You could fund the policy with a single premium . Make a payment in year one , and then not make any at all . But you still get a lifetime guarantee . You could go to 10-year pay , or a 20-year pay , or 30 years pay scenario . Pay the premium for that period only , but still get a lifetime guarantee . These strategies allow you to on the one hand , not pay for your life insurance for the rest of your life . At the same time , they still give you the lifetime guaranteed coverage you want . Of course , you need to consult with your broker and the company to calculate the correct amounts needed to limit your payments but also get the guarantee . Then again , you could just go the route of continuously paying a premium on a yearly basis . You would have to keep paying , but the premium here would be much cheaper than the first two scenarios . So what is your priority ? Would it be the lowest annual outlay , or paying the premium for the shortest duration ? The flexibility of universal life gives you additional interesting options . You could structure the coverage for a defined amount of years . It could be 10 years , 20 years , or 30 years . The premium and the death benefit could be guaranteed for that amount of time . After that , you lose the guarantee . Why would somebody do that ? Why wouldnt they just buy term insurance ? Well , in many cases underwriting concessions are made for permanent insurance that you dont get with term insurance . The price for universal life could actually be lower than term insurance . As a matter of fact , sometimes carriers will offer only universal life insurance and not term insurance . The flexibility of this product can really enable you to make your life insurance work to your best advantage . You just have to know how to use it .


Input: Why Is A Flexible Premium Life Insurance Policy Better Than Fixed Premium Permanent Life Insurance?

Output: Why is flexible life better than fixed premium life ? ONLY if it fits your needs and you maintain a close watch on your policy . There is no insurance policy that is better than the other . It will come down to what you need it for . How long do you want it ? What do you want it to do ? When you look at a purchase of an insurance policy you will find a wide range of policies and prices . The cheapest one to start may very well be the most expensive if you live too long . The most expensive to start with may actually turn out to be the cheapest if you live a long time . A flex premium policy will require more diligence from the consumer than a fixed premium plan . Skipping premiums or underfunding a flex plan can and often does lead to policies that self destruct over time . A fixed premium policy by it 's nature , is just a steady plan designed for consistent regular premiums . A flex policy gives the owner a lot more freedom , but in most cases , not the best idea . In other words flex policies have more risk than a fixed premium plan .


Input: Why Is A Flexible Premium Life Insurance Policy Better Than Fixed Premium Permanent Life Insurance?

Output: I 'm guessing you asked the question the way you did because you heard someone say that flexible premium insurance is better than fixed premium . Here 's an experience a client of mine had with a `` Flexible Premium Life Insurance '' . He was told that it was a permanent life insurance that would build cash value and he could have flexibility in how much premium he would pay . He had the policy for 20 years and it had indeed grown some cash value , but while he never paid less than the original stated premium the cash value had begun declining in recent years and was down to nearly nothing . Had he kept the policy , in order to keep it in force he would have to increase the premium every year from now on . So my answer to your question is : Flexible premium policies are NOT better than fixed premium policies ! -LRB- And `` buy term and invest the rest '' is another piece of advise I strongly disagree with . -RRB-


Input: Why Is A Flexible Premium Life Insurance Policy Better Than Fixed Premium Permanent Life Insurance?

Output: Excellent question ! However , there is no such thing as `` better insurance '' , only insurance that best addresses the need at hand . For example , a homeowner wanting coverage that will pay off the mortgage in case of untimely death would be well served with a term plan that covers the span of the mortgage . Someone needing protection while accumulating funds for a specific reason would have their needs met with a managed flexible premium plan . Still another may need to have permanent protection for the family 's long-term peace of mind In case a major income source meets their demise . Three scenarios , three possible insurance solutions . And there are actually many more ! If you need more information , contact a qualified insurance professional . If I can be of service , do n't hesitate to call ! Thanks for the opportunity to help !


Input: Why Is A Flexible Premium Life Insurance Policy Better Than Fixed Premium Permanent Life Insurance?

Output: As you can see from the previous answers , even insurance professionals have differing opinions on this subject . In my experience , keeping it simple is the best solution . Over the long term , flexible plans just do n't work for the average person . The normal consumer is not likely to maintain enough familiarity with their agent or the product to keep these policies in force . My best advice is to buy term and invest the rest .


Input: Why Is A Flexible Premium Life Insurance Policy Better Than Fixed Premium Permanent Life Insurance?

Output: That is a great question ! The deal is that it really boils down to how well you manage your money , in my opinion . The sales pitch for a flexible premium policy is that you have the ability to be `` flexible '' with your payments - you might pay a little more than the premium , skip a payment entirely , or overpay , as you see fit . If you are the type of person that is very closely watching your expenditures , and keeps a sharp eye on your investments , then this policy type can be potentially helpful in the convenience it offers . But ... If you are like the overwhelming majority of Americans -LRB- 77 % - an unbelievable 77 % !! -RRB- that live paycheck to paycheck , part of the 66 % without adequate -LRB- or any -RRB- savings , or the 35 % with a bill currently in collections , this may not be a good thing . The Bible tells us that while `` All things are permissible , not all things are good . '' That is solid wisdom , in this case . The temptation here is to believe that the `` flexibility '' offered here provides you with more wiggle room in payments . While that is true to some degree , the truth is that there is a bottom line cost that has to be regularly covered or the policy goes under and lapses . Once it does , everything that you 've paid into it goes under also . Sadly , what happens to those who have problems with cash flow and/or money management is that they make payments that cover those costs for a while , but slowly start underpaying or skipping payments , and the result is that the minimum premium payment goes up , it becomes unaffordable , more payments are underpaid or missed , and the policy goes down like the Titanic , taking all your money with it . So it is generally my opinion and recommendation that having a single , set premium payment policy is generally a safer bet . If the payment is budgeted for , and prioritized , there is far less chance of the policy falling behind and lapsing . The offer of flexible payments is definitely tantalizing , but then again , most of the things that are bad for us generally are ... Bottom line ? If you are good with your money and keep an eye on your financial matters , there are times when having that flexibility can be helpful . If you feel that money management may be an area of opportunity for you , perhaps the stability of the fixed premium policy would be a safer choice . I hope that helps , if you have any questions , please do not hesitate to inbox me , okay ? Thank you very much for asking !


Input: Why Is A Flexible Premium Life Insurance Policy Better Than Fixed Premium Permanent Life Insurance?

Output: What if you can not make your premium payment for a bit ? With a fixed premium policy , you could lose your policy , or lose your cash value to pay that premium . But with a Flexible Payment Policy , like the EIUL policy sold by Premier Financial Alliance from National Life Group -LRB- America 's second oldest Mutual Life Insurer -RRB- you are fine . Your premiums can vary with no problem . There is a model premium , or modal premium , which you usually make . When times are good you can increase that payment , increasing the amount of cash value your policy accumulates . When times are bad , pay less , down to a minimum , and keep your policy not only active , but still accumulating cash value , although a bit less that month . You policy will continue in force , no gaps , no lapses , and still growing in value . I urge you to talk with us about this great program ! Thank you . GARY LANE . 714 422 9616 . garylane@cox.net .


Input: What The Average Cost Of Long Term Care Insurance?

Output: The average cost of long-term care insurance can vary , depending om the daily benefit , you rage , carrier selected , your health and other factors . An experienced full-time broker -LRB- not a part-timer or media person in radio or tv -RRB- is your best resource for the most accurate information . They will shop so you save .


Input: What The Average Cost Of Long Term Care Insurance?

Output: Long term care insurance -LRB- LTC -RRB- is a morbidity product offered for indemnification or reimbursement of 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 Is Individual Credit Disability Insurance?

Output: Individual Credit Disability Insurance is decreasing term insurance that can be purchased to cover loan payments in case of disability or death . If someone has individual or group disability and life insurance , those usually will take care of loan obligations . Credit Disability Insurance is paid directly to the lender .


Input: Does Health Insurance Cover Blepharoplasty?

Output: As this procedure is designed to remove or reduce puffiness , droopiness , wrinkles and discoloration around the eyes it falls squarely in the `` cosmetic surgery '' category . Health insurance plans do not cover cosmetic surgeries for the sole purpose of enhancing a person 's appearance . So , I would say that about 99 % of the time this would not be a covered procedure under your health insurance . While I have never actually heard of it being covered in my 30 years in the industry , there may be very extreme cases where a person 's vision is being impaired or blocked by this condition . That is the only circumstance I can think of where a case for medical necessity could be made for this procedure but your doctor would have to present some very definitive supporting documentation to your insurance carrier for them to even consider it . I think that if you are considering having this procedure performed you 'll have to be prepared to pay for it yourself just like Paul McCartney and Brad Pitt did .


Input: What Is The Average Monthly Cost Of Renters Insurance?

Output: To find an average cost , contact neighbors with similar units . What they pay compared to the amount of coverage that they have should give you a quick idea of the cost of a renters policy . Contact an insurance agent that you trust and they will provide a quote that is tailored to your specific situation and concerns .


Input: What Kind Of Retirement Plan Is Calpers?

Output: CalPers is a defined benefit pension plan . Most defined benefit pension plans are employer paid , CalPers is a combination or hybrid plan with both the participant and the department employing them contributing to the plan . Participants do not have individual accounts but the retirement benefit is calculated by a formula that is basically years of service , age and highest income . CalPers has several plans , though and so benefits differ .


Input: What Are Qualifying Events For Health Insurance?

Output: Qualifying Events for health insurance can grant special enrollment periods - situations that would allow you to sign up for a health insurance plan outside of the annual enrollment periods . To qualify for a special enrollment period , you must have a `` life-changing event . Qualifying events include : 1 -RRB- Getting married 2 -RRB- Having a child 3 -RRB- Adopting a child/Fostering a child 4 -RRB- Becoming a U.S. citizen 5 -RRB- Moving out of your current coverage 's service area 6 -RRB- Losing your existing health insurance under certain conditions including : - Loss of group coverage through your employer - Your COBRA coverage expired - You get divorced - You come off your parent 's group coverage - Your plan was terminated by the carrier - You lose your Medicaid eligibility , CHIP eligibility , or similar situation Please note , voluntarily terminating your existing coverage or your coverage was terminated by the carrier because you did n't pay your premiums are NOT considered qualifying events for a special enrollment period . If you 'd like to review options for your health insurance or have any other questions , send me a message by clicking on the `` contact me '' button .


Input: How Much Does High Deductible Health Insurance Cost?

Output: High deductible health insurance plans -LRB- often referred to as `` HSAs -RRB- , are one of the cheapest types of medical policies available to individuals and families . They are offered in every state by most of the largest insurers . Rates can vary between $ 40 and $ 500 per month , depending on your age , where you live and the deductible and co-insurance you select . If you qualify for a federal subsidy under Obamacare , your premium will substantially reduce .