Input: What Are The Qualifications For Disability Insurance?

Output: The basics to qualify for disability insurance are to have good health , free from illness or injury and to be gainfully employed and working at least 30 hours per week . There are a few details certainly like income level , years of employment and life style questions , but basically these are the qualifying questions .


Input: How To Get Homeowners Insurance To Cover A New Roof?

Output: Homeowners ' Inurance is not , by any means a maintenance contract . It is a contract that is specifically designed to provide financial protection by indemlifying you after a covered loss . If your roof is severely damaged as a result of a storm for example , then your insurance carrier will be there to help you pay for repairing or replacing your roof .


Input: Can Muslims Buy Life Insurance?

Output: Due to its use of chance and interest , there is some debate within Islam about whether or not insurance is haram or sinful . Based on the spiritual nature of this question , you are best seeking advice on this question from an Imam who can better guide you on your faith 's specific position on insurance .


Input: Does Medicare Pay For Dental?

Output: No . Routine checkups and other common dental services would not be covered by Medicare . Medicare may cover some procedures under certain conditions -LRB- e.g. you had to go to the emergency room and it was medically necessary to repair something in your mouth immediately -RRB- - you can check with Medicare if you 're not sure if a given procedure would be covered . You would need to add a separate dental insurance plan to provide coverage for routine services .


Input: Can You Skip A Car Insurance Payment?

Output: No , auto insurance does not have a grace period . If you are late with a payment and are involved in an accident the company does not have to pay the claim . Also missing a payment could affect your rates if you have tickets since the company will run a Motor Vehicle Report before reinstating your policy .


Input: Can You Skip A Car Insurance Payment?

Output: If you fail to pay your insurance payment by the date that it is due your current carrier may send you acancellation notice due to non payment . This notice normally provides for the client to pay the premium due within 14 days to have the policy re-instated . You may also incur some fees for the late payment or for re-instatement . If you lapse on your payments more than once the carrier may elect to drop your coverage without an option for re-instatement .


Input: Does Geico Have Disability Insurance?

Output: Unfortunately , Geico does not carry Disability Insurance . Geico mainly carries property-casualty insurance , including home , condo , co-op , mobile home , flood , and renter 's insurance ; auto , commercial auto , collector car , motorcycle , ATV , boat , water craft , snowmobile , and umbrella insurance ; overseas and business insurance ; identity theft insurance ; and life insurance from an outside source .


Input: Why Is Life Insurance Not Considered As Indemnity Insurance?

Output: The concept of `` indemnity insurance '' does n't apply to life insurance . Indemnity policies pay for actual economic loss up to a stated maximum in the policy . The claim needs to be proven by the policy owner . In life insurance , the amount of the actual economic loss is not relevant . When the life insured dies , the insurer is required to pay the total death benefit amount specified in the policy .


Input: What Happens If You Don't Have Car Insurance In New York?

Output: If your question is related to securing a quote for auto insurance in NY the answer is : Most carriers will consider ` no prior coverage ' as an underwriting/ratingnegative -LRB- just like a low credit profile -RRB- and place you in a higher rating tier - you will pay more for not having had prior coverage . Other factors also come into play while a carrier computes your quote . If you did have prior coverage , the limits are considered . If prior limits were low , you pay more . The prior carrier is also classified by the quoting company as either a non-standard , standard , preferred , or ultra-preferred with non-standardcausing yourquote to increase and ultra-preferred lowering your quote . If your question is asking forlegal advice , consult an attorney who handles motor vehicle cases . Insurance agants and brokers can not and should not give legal advice .


Input: When Is It Best To Get Life Insurance?

Output: Its always best to get life insurance when youre young and healthy . Its generally dirt cheap . Its also a good financial tactics to get out in front of lifes economic liabilities when youre first starting out , having a family and acquiring your first big ticket debt , i.e. a home mortgage or two auto loans and short term credit card debt or long term student loans .


Input: When Is It Best To Get Life Insurance?

Output: The best time to get life insurance is when you are young and healthy . I recommend you buy as long a term as possible with as much coverage as you can afford . Rates will never be better for you ever . The longer you wait the higher the premiums will get . If you wait until you need life insurance it 's to late . I first purchased my life insurance in my 20 's and of course at the time it was a chunk of money to me but looking back it was a good move . I have a very low premium and great coverage . It 's all relative . Consult with your local agent about life insurance .


Input: How Much Does Renters Insurance Cost A Month?

Output: If you are looking for Cheap Renters Insurance , Renters Insurance is very inexpensive . The best way to purchase Renters Insurance Online is to request the lowest Personal Property -LRB- Contents -RRB- Coverage needed , the minimum Personal Liability Coverage needed and the highest deductible that you can afford ; this will provide the cheapest quote . There is a link providing an online format to obtain a quote and buy renters insurance online in multiple States ; it may be useddirectly by Consumers . A great way to buy renters insurance online ! WEBSITELINK


Input: Does State Farm Renters Insurance Cover Cell Phones?

Output: It does cover cell phones . However , you 're renters insurance probably has a deductible and that deductible will probably be more that the value of your cell phone . If all you lost was your cell phone , then it 's probably not worth claiming . If your cell phone was stolen or damaged along with a lot of other property , then it might be worth claiming . You should talk to your State Farm Agent to better understand your policy .


Input: Does FAFSA Count Annuities?

Output: No the FAFSA does not generally count annuities in its calculation for Expected Family Contributions . Though the FAFSA does not include annuities , some colleges and universities use proprietary methods for calculating family contributions which may include annuities and their cash values . These methods generally involve additional forms that ask certain questions not asked by the FAFSA .


Input: Can I Get Car Insurance Without A SSN?

Output: It may be possible if you are not the main insured on the policy . If you do not provide a social security number the carrier will more than likely surcharge your rate because it can not verify your financial standing . When an insurance carrier checks your financial rating it is a pull that should not affect your credit rating like a loan or credit application would .


Input: What Is Average Premium For Long Term Care Insurance?

Output: The Average Premium For Long Term Care Insurance depends on gender , age , smoking status , health history , current medical condition , etc. . It also depends on the coverage , the elimination period , riders , etc. . A nonsmoking healthy couple at age 60 for full long term care coverage will pay around $ 300 a month .


Input: How To I Qualify For Medicare?

Output: To qualify for free Medicare Part A , you must have worked 10 years , or have/had a spouse who did so , at a job in which you paid taxes into Social Security . Otherwise , you can pay for Medicare Part A if you have been a legal resident of the US for at least 5 years . You can also qualify for Medicare if you have received SSDI for two years , or have ALS or ESRD , in some cases . Contact your local Social Security office for more information .


Input: I need life insurance but I'm prescribed Suboxone for pain medication addiction from surgery..can I get a policy for $100,000?

Output: Pain medication does not necessarily decline you . It 's very possible to get coverage . The risk classification is what determines the rates . You can be approved , but it may be at a standard or substandard risk class for the condition the pain medication was being used for in combination with the pain med addiction . The concerns carriers would have is whether the drug is being abused , how much is being taken , and why it was being taken in the first place . As you 're still under the treatment process of getting off of the pain medications , then you may want to consider securing a term insurance policy now and then review the coverage after the treatment has been completed to see whether you can be rewritten with a lower premium . Typically , insurance companies want to see a period of stability -LRB- e.g. 2 years , 3 years , etc. , varying by company -RRB- as the more time that passes without a relapse the less likely it is to happen - which in turn means the less risk to the carrier and a more favorable risk classification -LRB- meaning lower rates -RRB- . Also , you noted `` after survey '' which I assume was supposed to read `` after serving '' as in military service . If so , a number of other factors would also be considered during underwriting regarding service history , such as are you still an active member , scheduled to travel outside the country , where you travel to , and related items . What you should do before applying for any coverage , is to shop the case through an independent agent who can compare multiple companies for you to find out who will work most favorably with your medical history - there is no cost to doing so . Every carrier has their own underwriting guidelines so some companies may be able to offer a more favorable risk class than others for you . Determining the risk class you may qualify for with carriers is the most important factor in determining what the rates would be . The risk class directly determines the premiums for a policy 's coverage amount and benefit guarantee period . If you 'd like some help gathering the most accurate quotes and securing the coverage at the lowest cost , 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 . I hope the information is helpful - thanks very much .


Input: I need life insurance but I'm prescribed Suboxone for pain medication addiction from surgery..can I get a policy for $100,000?

Output: Yes you can . The best option is probably going to be MetLife . They have an underwriting appetite for that condition . Speak with a knowledgeable life agent that can prepare you for the interview and what to expect . We all have life issues that can help or hinder our ability to qualify for life insurance . You are not any different from anyone else . Do n't feel judged , but you will probably get a slightly higher rate that can be reviewed over time to see if you can qualify for a lower rate .


Input: I need life insurance but I'm prescribed Suboxone for pain medication addiction from surgery..can I get a policy for $100,000?

Output: You can purchase a guaranteed issued policy through Crump and through Gerber -LRB- yes they sell more than baby policies -RRB- . You just need to find an Agent in your state that sells it . I am offering this in MN and WI . You can search these companies online to find an Agent that offers it in your state .


Input: Where To Buy Variable Annuities?

Output: Variable Annuities are a security under the jurisdiction of FINRA and the domiciled state department of insurance where the transaction takes place . Because variable annuities are a security , only registered representatives can sell them through their broker dealer . Fee based variable annuities could be sold be a registered investment adviser .


Input: Where To Buy Variable Annuities?

Output: The most important concept to understand when it comes to retirement planning is that it is a process of shifting consumption . The decision that must be made is how much am I going to consume today and how much do I need tomorrow . In todays low interest environment this question is easier to understand . In order to have $ 100 a month in retirement , I have to defer consumption of a certain amount today , depending upon my age and years to retirement . Once it is clear in our minds that retirement planning isnt about beating the stock market , winning a jackpot , or winning a national lottery , we can address the issue of how to shift those funds that represent our deferred consumption . The best place to start is with an advisor who will listen to you and communicate clearly with you . That advisor will be careful to measure your risk tolerance . The advisor doesnt want you staying awake at night worrying about losing money in your retirement plan , which is what happened to many in 2008 . The advisor will ask a battery of questions that measure your expectations and compares that with your willingness to experience loss . Eventually a picture will emerge that will give the advisor a snapshot of your current thinking about investing . The good adviser will continue reviewing your risk tolerance throughout the period of time that investment advice is being given . The advisor will take that information and compile recommendations of funds that would be suitable to help you meet your objectives and yet are sufficiently diversified to offer a degree of protection for the assets that you will invest . The adviser will offer you choices . He may suggest that these assets be held in a variable annuity . The annuity has certain features that might be important to you . The variable annuity will frequently feature both fixed and variable options . The variable annuity will usually allow you to shift assets as your risk tolerance changes . For example , at age 60 after several years of having a variable annuity , you might experience a windfall , perhaps a legacy . You might want to become more aggressive with your variable annuity . You will be able to shift funds to accomplish this change easily . If later reverses make you more tentative , you can return your funds into fixed or very conservative options . This ability to shift is an important feature of the variable annuity . Ultimately the results of the annuity will be a function of the options which you select . While that might seem daunting , in fact , if you selected funds in your comfort zone you will most likely be pleased with the results . The main point is the process of shifting those dollars from current consumption to future consumption . When you start spending them you will not remember how much of a return you made in a given year . The variable annuity also has the benefit of being an annuity . That means that you can select to receive your money in retirement as a life-long stream of income . The return on such an annuity can be remarkably high . The company will probably offer alternative distribution plans to meet your specific needs . There will probably be a survivor option so that your spouse could receive the balance of payments if you dont reach a specified age or havent exhausted the initial fund . Some companies that issue variable annuities will allow you to continue to manage your money in the annuitization process . Then the results wont be guaranteed and can rise and fall with the values of the underlying securities .


Input: What Is The Keogh Retirement Plan?

Output: A Keogh plan or H.R. 10 plan may be a defined benefit or defined contribution retirement plan . Defined contribution Keoghs are more popular than defined benefit Keoghs . The 2013 contribution limits are 25 % of the includable of the business owner not to exceed $ 51,000 .


Input: Will Health Insurance Cover A Tubal Reversal?

Output: Most insurance plans will not cover the reversal of a voluntary sterilization or any treatments designed to overcome infertility . There are fifteen states with insurance mandates requiring some form of coverage for infertility , but every one of these mandates specifically excludes covering reversal surgeries . The best alternative is to take advantage of the tax deductible expenses , and to buy extra coverage for any resulting pregnancy : lower deductible health insurance , short term disability , hospital indemnity .


Input: Will Health Insurance Cover A Tubal Reversal?

Output: It is highly unlikely that your insurance carrier will cover the reversal of a tubal ligation . This is viewed as an elective procedure and elective procedures by definition are n't medically necessary . Perhaps it is an imperfect analogy but it would be viewed similarly to cosmetic surgery , perhaps desired by the policyholder but not required to maintain or improve the health of the policyholder . I have heard that there are relatively rare situations when a tubal ligation becomes the cause of health issues , in this scenario a doctor could make the case that medical necessity has become involved and then approval by the insurance carrier would become a much more distinct possibility . But , as I said , these are pretty rare events so I would n't place much hope in having a tubal ligation reversal covered by your health insurance .


Input: Will Renters Insurance Cover A Broken Computer?

Output: A renters policy will cover a computer that is damaged by one of the covered risks . If the computer is broken because it simply no longer operates , that is probably not a covered risk . A covered risk would be fire damage , lightning damage , or something like that . Some computer manufacturers provide warranties and extended warranties to cover mechanical failures .


Input: Which States Limit Medigap Costs?

Output: Medicare is a federal government run program - the benefits provided under Medicare Parts A & B are the same in each state . If a doctor accepts assignment , they are accepting the Medicare approved amount as payment in full and will not bill the insured an excess charge . When a doctor does not accept assignment , they reserve the right to charge an amount above and beyond the Medicare approved amount , up to 15 % . For example , if you have a service done that Medicare says costs $ 200 and the doctor accepts Medicare , but not assignment , they can charge the insured up to an additional $ 30 for the service . A Medicare supplement plan is a great way to cover excess charges . If your primary care physician accepts Medicare , but does not accept assignment , you may want to secure a Medigap plan F . If they do accept assignment , a plan N may be more suitable to your needs . Plans F & G will cover excess charges - the other Medicare supplement plans will not . The states that do not allow excess charges -LRB- due to the Medicare Overcharge Measure Law -RRB- are Connecticut , Massachusetts , Minnesota , New York , Ohio , Pennsylvania , Rhode Island and Vermont . However , this is only a critical item if you have a Medicare Supplement plan that does not cover Part B excess charges . If you have a plan F or plan G , then it wont really matter because the plan would pay the excess charges regardless . 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 Medicare Offer Dental?

Output: Basic dental services are not a covered expense under Medicare . You might consider a dental plan separate from Medicare but most available plans are not worth the money you pay . If you have an injury to your mouth , or disease that requires reconstructive surgery , Medicare may cover at least a portion of your care .


Input: Does Anyone Know Cheap Car Insurance For Young Drivers?

Output: Find the cheapest car insurance for young drivers ? Save hundreds of dollars on your rates . That 's the goal of many parents an teen drivers and that 's why an experienced broker -LRB- and our websites -RRB- is the best resource for saving money . It 's important to shop the right way , quickly compare your best options and start saving . It can be done if you have access to all of the most affordable prices that are offered . That 's where an experienced broker helps .


Input: When Should I Have Life Insurance?

Output: I encourage you to listen to Peggy 's advice above . There really are policies out there for so many situations . Every person has a unique position . Be sure to find an advisor who can customize specific to your planning needs . An example , would be even if you need $ 1.5 M in coverage , but can only afford $ 625k - - then just get that amount for now . You can always ladder coverage later . I have seen situations where someone thought they had to have the whole thing so they opted to do nothing and that does n't work either . Great question ! Sheryl Brown / @AshBrokerage


Input: When Should I Have Life Insurance?

Output: A good time to purchase life insurance is while you are young and healthy . That is when you can lock in the lowest rates . But if you are past your youth or do not have good health , it is still a good time to get life insurance . There are policies out there for everyone , and age and poor health do n't make you need it any less .


Input: When Should I Have Life Insurance?

Output: The best answer , I think , is when you are young and healthy . The younger you are , the less expensive the coverage and the more coverage you can get for you premium dollar . In addition to providing the obvious financial security , owning life insurance also protects your `` insurability '' . Consider this example . A 30 year old man buys $ 500,000 worth of life insurance and , continues to maintain his payment plan in good order . When he is 45 , he is diagnosed with Crohn 's disease , a chronic auto immune disease usually affecting his digestive system . Because of the nature of that disease , he will never be cured of it and may face years of possible related health issues . Many companies will as a result , determine him to be un insurable from that point on meaning the only coverage he has is the coverage he bought when he was younger . They ca n't take it away from him , but he wo n't be able to buy more if he needs it .


Input: What State Has The Highest Automobile Insurance Rates?

Output: That is a great question ! There is a company that commissions a survey every year to provide exactly the information that you asked for , and it was just released not too long ago . You 've got great timing ! They use the example of a 40 year old man with good credit and a clean driving record as their standard , driving a Toyota Camry , and poll 20 zip codes in each State . This years results gave an average national cost for that auto insurance as $ 1311 . The cheapest state was Maine , with an average cost of $ 805 , and the most expensive was Michigan at $ 2476 . It is very important to remember that those are averages , and can vary widely from zip code to zip code , and from driver to driver . Factors such as percent of uninsured motorists -LRB- Florida -RRB- , fatalities -LRB- Wyoming -RRB- and insurance laws -LRB- Michigan -RRB- all play major roles in costs . I lived in Michigan for many years , and can tell you that the `` no-fault '' insurance laws and the very generous medical payments that were allowed , along with the high theft rates made the insurance there much more expensive than it was in some other States that I 've lived in . Please take these survey numbers with a great bit of salt , as the costs within a State can vary greatly , and even in cities from suburb to suburb . I can tell you for a fact that my auto insurance in Chicago was far more expensive than it was when I was living in the rural countryside ... But there you go . Thanks for asking !


Input: What State Has The Highest Automobile Insurance Rates?

Output: The most expensive car insurance rates are typically found in Louisiana , New Jersey , New York , Nevada , Florida , and Michigan . Prices are typically high in these states for a combination of factors that include high cost of vehicle repairs , larger number of uninsured drivers , larger percentage of younger drivers , and more accidents per resident . Other factors can impact auto insurance prices including the incidence of natural disasters in that state , along with the type of weather . For instance , many Northeastern states have been battered with higher-than-expected snowfall totals , which has caused a spike in the number of reported accidents . As demographics of states change , including the percentage of younger/older drivers on the road , prices can also change . Other states that often have higher-than-average auto insurance prices include Delaware , Alaska , Maryland , Texas , and Connecticut . States that often feature some of the cheapest rates include Iowa , Idaho , Wisconsin , North Dakota , Maine , Ohio , and South Dakota . IMPORTANT NOTE : This question was answered by Ed Harris , one of the premier car insurance brokers in the US , with more than 34 years of experience helping consumers find the best auto insurance options . One of his top-rated websites is Carinsurancezoom.org , which allows consumers to instantly view the companies that offer the cheapest prices in their zip code .


Input: What State Has The Highest Automobile Insurance Rates?

Output: I have read that Michigan has the highest auto insurance rates . There is a law in Michigan that provides drivers with unlimited lifetime personal injury protection . This has made rates skyrocket as there is a higher risk for fraudulent claims regarding injuries in minor accidents . Insurance is also higher if you live within city limits or in an area with a high claims history . Hope this helps !


Input: Does Medicare Cover Joint Replacement?

Output: It is difficult to give a definitive answer on this . A joint replacement surgery usually comes after years of treatment and physical therapy . In general Medicare must consider the joint replacement surgery to be medically necessary before they will pay on the claim . Without knowing the specific details of your history I really can not say for sure how medicare would look at the this treatment in your situation . I would recommend that you call Medicare directly to ask them how would treat this surgery . The phone number is 1-800-MEDICARE , I wish I had a better answer for you .


Input: Does Group Universal Life Insurance Work?

Output: By work I assume you mean does it pay the death benefit to the beneficiary if the insured dies while the policy is in force . Yes . It does . Universale life is Flexable premium life and it 's usually not guaranteed to last your entire lifetime without an increasing premium . So even though it works , it may not be ideal for everyone .


Input: How Is Medigap Billed?

Output: If you are asking about how do insurance companies bill medigap policies , then it 's generally either thru bank draft or quarterly , annual , or semi annual billing by mail . Some carriers still do monthly payment via a coupon book , but most are moving to bank draft . It offers the easiest processing for them and prevents the insured for worrying if a payment was sent in this month or not .


Input: Where Do I Go To Get A Medicare Card?

Output: It depends on whether you are already a Medicare beneficiary . If applying for the first time , you can reach the Social Security Administration at ssa.gov / pgm/medicare . htm . There is a button which activates the application for first time enrollees . If you are looking for a replacement card , go to sss.gov . Call the phone number listed on this site .


Input: Is A Water Heater Covered By Homeowners Insurance?

Output: It really depends upon the cause of the presumed damage to your water heater . If the unit simply fails , or bursts die to wear and tear , then the resulting water damage to your property may be covered but not the unit itself . If the unit is damaged as a result of a lightening strike , however , it may be possible that the damage to the unit may be covered under your Homeowners ' policy . Talk to your Insurance Professional about the specific terms and conditions of your contract .


Input: Is A Water Heater Covered By Homeowners Insurance?

Output: This is a difficult question to answer without viewing your specific policy and the coverages contained in it . Is a water heater covered within a policy , generally yes . It just depends on what happens . For example , general wear and tare is not covered under the standard homeowners policy ; however , if you adding coverage for appliances or household items -LRB- that would have cost you more each year -RRB- or you pay for a home warranty , it could be covered for wear and tare . If the damage is from a busted pipe that occurred by no fault of your own or was from a power surge , it could be protected if the policy is setup correctly . It does come down to what exactly you have your policy and within the policy what the limits are . If you have a home warranty program that is always the best way to go because claims with the warranty companies will not result in higher premiums for your homeowners policy , but if you take a claim against your homeowners for the coverage -LRB- EVEN if it is n't covered -RRB- it could result in a slight increase in your prices for next year . If the cost is less than your deductible it would n't benefit you to make a claim on the home policy either .


Input: What Is Life Insurance And How Does It Work?

Output: Life insurance is insurance that pays out when the life of the insured person ends , or when the set time period is complete . All life insurance works by paying the beneficiary when the insured person dies . Some life insurance policies will also pay out while the insured person is alive , if the policy endows or if it returns all the premiums after a set amount of time .


Input: What Is Life Insurance And How Does It Work?

Output: Life insurance is a mortality product design to protect the beneficiaries of the policy insured against financial loss at the demise of the policy insured . The death benefit proceeds pass directly to the benefices , generally tax free . The product can be purchased as term life and / or permanent life insurance .


Input: Who Pays Estate Tax On Life Insurance?

Output: The estate tax is a tax on the transfer of wealth at death to one 's heirs . The estate tax is due within nine months . The amount of an estate exempt from this tax is quite high right now - $ 5M indexed for inflation -LRB- $ 5.25 M in 2013 -RRB- . Thus very few estates -LRB- less than 1 % -RRB- actually pay an estate tax . In most cases , people buy life insurance to provide cash at death to pay this tax instead of liquidating other estate assets . If life insurance is held outside the taxable estate , it wo n't be subject to estate tax on the proceeds .


Input: Who Pays Estate Tax On Life Insurance?

Output: Who pays estate taxes on life insurance ? Well the estate executor is usually the one charged with payment from estate assets for any estate taxes due . Are there estate taxes due on life insurance ? Yes and no , depending on how well a person has planned for that situation . Life insurance can easily be taken out of the estate tax tab by moving ownership out of the taxable estate , via trust or other trusted family member -LRB- not spouse -RRB- . You can leave ownership oflife insurance in the estate , buteven though the proceeds go elsewhere , the amount paid out becomes an asset to theestate .


Input: Who Pays Estate Tax On Life Insurance?

Output: Personal property has an owner . There are privileges and consequences of ownership . Life insurance is personal property . Life insurance always has an owner . That owner can be a person or a legal entity . The goal is not to pay estate taxes on life insurance . But it can occur at the federal and state level . The federal estate tax is uniform throughout the country . Within the federal unified credit , family assets transfer estate tax free . If assets exceed the unified credit allowance and are owned within the estate , theyll be subject to estate taxation . In addition , each state has its own threshold of asset exemption . So life insurance proceeds could exceed federal or state thresholds and could create a taxable event . So before moving forward with any estate plans or recharacterization of asset ownership consult your tax and legal counsel .


Input: Who Has The Cheapest Car Insurance For Young Drivers?

Output: Typically the battle for young drivers is done between Geico and Progressive . Due to the fact that a lot of their business is done directly through internet sales they are able to lower the premiums . However , I would recommend doing a little bit of research and checking out some regional carriers as well . Many carriers who only provide auto insurance in one to three states will offer competitive pricing in order to compete against the big national carriers . Either go online and look for insurance companies in your state or seek out a local independent agent -LRB- i.e. not a progressive , Allstate , State Farm agent -RRB- .


Input: Who Has The Cheapest Car Insurance For Young Drivers?

Output: I have many carriers and Progressive can be cheaper but written with an agent not direct as stated above . Many times a agent can ask you things that will apply discounts that online you will not get asked . Also it really depends on your state and many other factors . Even though I do not represent Farmers here in Montana they have some good rates for young drivers . The key is your insurance is only as good as your agent . This is my personal opinion . Many things can make your rates lower such as good grade proof of prior and other factors . Talk to a local agent they can compare rates with many carriers and give your several options online only is not the best solution unless you are familir with the terms and conditions and truly understand what you are paying for


Input: What Value Does Insurance Use To Total A Car?

Output: That can vary by company , but generally speaking , two pretty reliable tools for determining valueof a car are the NADA book and Kelly Blue Book . Thes both are a pretty good place to start and are regular references for claims in many cases along with both company specific and industry statistics . A good tule of thumb to keep in mind is that if the damage estimate is in the neighborhood of about 70 % of the determined value of your car , it is likely that the insurance adjuster will determine it to be a total loss .


Input: What Is The Best Long Term Care Insurance Company?

Output: Its always difficult to select one company , but heres my recommendation : The best long term care insurance company and its product must be determined by gender , age , smoking status , health history and current health condition . That being said , there are only a half dozen or so long term care insurance companies in the brokerage market . Genworth should be considered as a leader in the long term care insurance market .


Input: Can A Life Insurance Policy Be Reinstated After Surrender?

Output: Most life insurance companies will not reinstate a life insurance policy after surrender . Once a cash value is returned to you for permanent coverage , the life insurance company will declare themselves free of liability . However , if it is a very short period of time since the surrender , you could contact the life insurance company to see if they will do so , especially with Term insurance .


Input: What Is The State Disability Insurance?

Output: There are five states that have mandatory disability insurance laws . These states are : California , Hawaii , New Jersey , New York , and Rhode Island . The exact provisions of these mandatory disability insurance laws varies by state . You can obtain additional specific information about your state 's mandatory disability insurance law by checking with the states department of insurance -LRB- aka insurance commissioner 's office -RRB- .


Input: Why Should I Buy Term Life Insurance?

Output: You should buy Term Life insurance if you have a temporary situation that would turn out badly if you were to pass within the next x number of years -LRB- the x being the number of years for which you should get the Term policy -RRB- . E.g. . You are saving money to send your two children to college . They are age 10 and 12 . You just got a promotion and anticipate being able to put away $ 1,000 / month for their college education . This should enable them to get into most schools and you are feeling good about that . But suddenly your company closes its doors . Or you are diagnosed with a serious illness that requires expensive treatment and forces you to stop working for months . Or the ultimate tragedy , you pass away . There is no need to explain how difficult it could be for your family to function for the next years , much less save up for college . Relatively inexpensive , 15 year Term Life insurance could have taken care of all of that . If you are in good health and able to pay an affordable price , and if you have any temporary needs in your home or business , Term Life insurance can be a value beyond measure .


Input: Why Should I Buy Term Life Insurance?

Output: Term life insurance is needed when you have a temporary debt that you do n't want others to be burdened with such as a home mortgage , car loans , credit card debts , college tuition , etc. . Coverage for items such as income replacement and leaving a legacy to your family should ideally be covered by a permanent life insurance policy . I would recommend consulting with an experienced independent life insurance broker who can work with you on a personal level to help you determine how much coverage you should have in place and how long you should have it for . Since budget is an obvious concern for most , many people will create a coverage structure that will best serve their needs even if it can not cover everything . I hope the information is helpful - please feel free to contact me for assistance with your coverage and if you have any other questions . Thanks very much .


Input: What Factors Lead To Different Auto Insurance Rates In Different Provinces?

Output: Your questions refers to `` different provinces , '' but I would supposed you mean `` different states '' except you reside outside the United States of America . Now back to your question , Auto Insurance Rates are influenced by several factors in different states or localities . Among them is claims experience in that state or locality . If you are a single male aged 20 and live in lets say New York city and lets say 500,000 vehicles were involved in some sort of collision , theft or vandalism in 2014 and your college friend lives in some city in West Virginia where all you see is farm land and few cars . Total number of vehicles involved in any collision , theft or vandalism are 500 in 2014 . Then question that is posed is what is the probability of your vehicle being in a collision in West Virginia ? The answer is very low and as a result you pay low premium as compared to your friend who lives in New York . Insurance is all about probability .


Input: What Factors Lead To Different Auto Insurance Rates In Different Provinces?

Output: That is a great question ! There are many factors that go into determining rates charged by insurance companies in their auto policies . Remember that their focus is always on the risk that you might have to file a claim , and get paid . Since that is the focus , the more risk , the higher the premium they will charge you -LRB- so it does n't cost the company as much when they do have to pay out . It seems wrong , but trust me , you would much rather have insurance if God forbid you are in an accident than not ... -RRB- . Things like accident rates where you live , the number of claims filed annually , theft rates , number of uninsured motorists , and average vehicle cost will all be factors in what they will charge you . If your province is heavily populated and there are a lot of cars , accidents , and crime it is wise to expect that your auto insurance rate will be higher than if your province is fairly rural , and crime and claims are low . It really is all about the risk . Thank you for asking !


Input: What Factors Lead To Different Auto Insurance Rates In Different Provinces?

Output: Auto insurance rates ultimately reflect the experience that a company has . An insurance company can not be allowed to lose money because they will eventually go bankrupt and be unable to keep their promises . Insurance in the US is a state responsibility and it is the state commissioner that approves the rates and the way that the rate is determined . In my state , California , the electorate took over the matter of rating and greatly limited the factors that could be considered . Whoever approves rating plans in your province could provide specific information about the manner in which rates are determined .


Input: What To Look For In Homeowners Insurance?

Output: Typically when looking for a homeowners insurance policy you would look for a replacement cost coverage and at least a 2 % automatic increase in that coverage annually as a stating point . Depending on your experiences and area that the premise is in , you may also want other endorsements to provide proper coverage for your needs . Your first step should be to contact a couple of local agents from different carriers within your geographic area to find out what is available . Find someone that you are comfortable with as they will be the first person you contact when you have an issue or question about/with your policy or carrier


Input: Will My Auto Insurance Go Up If Get Ticket?

Output: That will depend primarily on your insurance carrier andyour previous motor vehicle record . Each carrier has its own policies on how tickets and accidents are used in their auto insurance rating system . Somecarriers will not change your rates due to a single ticket or accident within a five year time period .


Input: What Are The Best Life Insurance Providers In 2013?

Output: Assuming you mean price , the life insurance spreadsheets from the brokerage community are an excellent starting place to explore the life insurance company that best suits your financial profile , risk tolerance and economic goals . The spreadsheets are divided into two macro categories : Term Life Insurance and Permanent Life Insurance . Term Life Insurance is separated into guaranteed coverage periods 5 , 10 , 15 , 20 and 30 years with health classifications for standard and better -LRB- 5 -RRB- as well as substandard ratings -LRB- 16 -RRB- . Permanent life insurance is divided into indemnification , income and inheritance planning goals -LRB- single life and survivorship policies -RRB- with health classifications for standard and better -LRB- 5 -RRB- as well as substandard ratings -LRB- 16 -RRB- . There is no one life insurance company that dominates any of these categories and subsets , but we monitor these areas diligently to keep consumers apprised of which life insurance companies rank the best


Input: What Are The Best Life Insurance Providers In 2013?

Output: All life insurance companies pay their claims . So that is not the issue . When choosing which company to use , you have to first determine what kind of insurance you want -LRB- whole-life , Universal life , or term life -RRB- and then how much you need and which companies will accept your health history .


Input: What Are The Best Life Insurance Providers In 2013?

Output: Very broad question The answer is going to depend on the individual 's need . Example : a young healthy father and mother of three with a $ 150,000 mortgage are going to use a different provider than a 76 year old recent cancer survivor looking for a small burial policy . Life insurance is not a one size fits all solution . One family may be best served by a company 's family plan and their neighbor 's may be better served with the parents being covered with different companies . It would be a very rare company that was the `` best '' solution for most families .


Input: Does Medicare Part B Cover Remicade?

Output: Remicade is used to treat auto-immune disease such as Crohn 's . Remicade is administered by infusion , normally in a doctor 's office or clinic . Original Medicare Part B will cover Remicade when administered in a doctor 's office or other approved clinic or facility . In home infusion therapy is normally not covered by Medicare .


Input: Is Homeowners Insurance The Same As Renters Insurance?

Output: They are similar but not the same . Both provide coverage for you under a liability protection portion and your personal property under that physical damage portion . A Homeowners ' policy however , will also provide coverage for your house should it be damaged by a covered peril . Your landlord 's dwelling policy provides similar benefits .


Input: Is Homeowners Insurance The Same As Renters Insurance?

Output: In theory they are the same , but in practice they are slightly different . Homeowners insurance is designed for the person who owns the home and has an insurable interest in the actual structure of the home as well as the contents , because they primarily live there year round . Renters insurance is for the person who owns the contents , but has no insurable interest in the actual structure itself . Both of them are considered property policies , meaning that they cover real property and provide reimbursement for losses . They both also cover liability , or payment for actions that may occur at the residence .


Input: Is Homeowners Insurance The Same As Renters Insurance?

Output: The basic ideas for a homeowners policy and a renters policy are the same . The policies are developed alongside one another in the insurance company . The renter is not responsible for the structure or residence . A renters policy doesnt have coverage for the residence . Most of the remaining provisions are the same as with the homeowners policy .


Input: Does Medicare Part B Cover X Rays?

Output: X-rays are usually covered under Medicare Part B. Medicare Part B has an annual deductible -LRB- $ 147 in 2013 -RRB- that must be satisfied before Medicare pays for outpatient charges . After the deductible is satisfied , Medicare pays 80 % of the approved amount and you are responsible for the balance . Most people buy a Medicare supplement plan to cover some or all of the expenses approved by Medicare but not paid due to deductibles and coinsurance .


Input: How Often Can You Change Health Insurance?

Output: You can change health insurance as often as you want . However , there would be no reason to constantly change policies , and it is possible that carriers would not accept your application if they saw excessive applications to different carriers . In 2014 , with Open Enrollment , there will not be any reason to constantly submit applications more than once -LRB- twice ? -RRB- per year .


Input: What Does Network Mean In Health Insurance?

Output: Networks in health insurance plans refer to a list of providers -LRB- doctors , hospitals , labs , etc , -RRB- that have agreed to accept the terms of payment that apply to a particular health insurance plan . Health insurance carriers leverage their membership and use incentives to drive traffic to network participants . In exchange , network providers accept the fee structure , agree not to balance bill more than the approved amount , and can expect prompt payment . Networks come in different flavors . The more common ones are PPO -LRB- preferred provider organization -RRB- , HMO -LRB- health maintenance organization and POS -LRB- point of service -RRB- .


Input: Does 401K Expire?

Output: That is a great question ! If what you are asking is something along the lines of `` I had this job once , with a 401k , and I left the job , does the 401k still exist ? '' , the answer is yes , it does ! It may be hard to find if the company is n't around anymore , but it does still exist in some financial institution that is overseeing it . Start with the company HR department if they still exist , or hunt up the bank that used to do your paychecks , you might get lucky . If that does n't work , try your Secretary of state , it should be on file who they used . Thanks for asking , and happy hunting !


Input: Does 401K Expire?

Output: Yes a 401 -LRB- k -RRB- plan can be discontinued . There are specific guidelines from ERISA ; however , the plan can be terminated . Many 401 -LRB- k -RRB- plans are the result of terminations of defined benefit pension plans . Generally employees do not lose money when a plan is discontinued ; however , that is not a guarantee . One of the benefits normally extended when a plan is discontinued is that all employees become fully vested and can receive the employers portion of the plan without restriction . These terminations can be tricky from a tax perspective .


Input: Does Your Home Insurance Go Up After A Claim?

Output: Most companies apply an increase to subsequent premiums when a homeowner has a claim . Very few homeowners have claims . The ones that do are not average . The company views such a customer as being a higher risk than normal for future claims and adjusts their rates to reflect that . Claims are not considered for a long period of time , however , and most companies remove consideration of a claim after three years .


Input: Does Your Home Insurance Go Up After A Claim?

Output: Most of the time an insurance company will not be able to increase the rate you pay on your homeowners insurance if you have a claim . If you have several claims or one large claim the company may cancel or non-renew your policy . Your rate is likely to go up while searching for the new homeowners insurance after you have been non-renewed . This is generally when most clients experience a high rate from claims


Input: Does Renters Insurance Cover Lost Jewelry?

Output: Renters insurance is designed to cover sudden and accidental losses for named perils . Named perils usually include Fire , Theft , Lightning , Water -LRB- not Flood -RRB- and other acts of God . Unfortunately , losing an item is not a named peril . You would have coverage for jewelry if one of the named perils occurred but even then most policies have a limit for jewelry so check with your agent . A much better solution for jewelry is an Inland Marine or Jewelry policy . These are separate policieswith `` all risk '' coverageso anything that happens to the item it 's covered , even if you lose it .


Input: Is Assurant Health Insurance Good?

Output: Yes . Assurant Health has been around for a long time , they are highly rated and financially stable . They provide excellent claims paymentand customer service . In the individual health insurance market they are probably a better fit for a person who is wanting a high deductible health insurance plan to go along with a Health Savings Account -LRB- HSA -RRB- . In the group health insurance arena you will probably find that their small group self-funded products offer the best value proposition .


Input: Where Can I Get Cheap Life Insurance?

Output: How do you define Cheap Life Insurance ? I ask because there can be a lot of value depending on what your need is , if you need a term of coverage or lifetime coverage . And then the variables such as getting all your money back at the end of the term , or building cash value to supplement your retirement , etc. . If you are looking for the least expensive term insurance for your needs , I would recommend contacting a Broker who works with multiple companies . Just be sure to get a guaranteed term otherwise your rates may go up before the term is complete . If you would like some term or other quotes , please contact me or your local Broker . We will need your date of birth , if you smoke of not , ht/wt and if you take any medications . This will give us a snapshot of a real quote for you . Thank you for the question .


Input: Where Can I Get Cheap Life Insurance?

Output: Regardless of whether or not a life insurance agency advertises cheap life insurance , the reality is that all life insurance companies must charge you the same price , no matter where you purchased the policy from . However , there are some factors that enter into whether you will find a cheaper policy at one agency over another . Some of these agencies ' methods are positive , and some are negative . Here are some examples of both . Positive 1 -RRB- The insurance agency takes all your health details and shops among multiple carriers to find the one that will issue your policy at the cheapest price . 2 -RRB- The insurance agency will sell you a policy that suits your need , not pressuring you to buy a more expensive policy just because it makes them more money . 3 -RRB- The insurance agent will go to bat for you if you are rated unfairly , and strive to help you resolve that , or find you another policy , if possible . Negative 1 -RRB- The insurance agency offers you a short term policy , or accidental death policy , just to make the sale . They do this whether or not that type of policy best suits your need . 2 -RRB- The insurance agency neglects to ask pertinent health details and then offers you a cheap policy . Or else they ask health details but still claim to be able to get you impossibly low rates , often out of ignorance . Ironically , to get the cheapest life insurance , you need a life insurance agent who is `` valuable '' . Go to someone you trust to listen to you , who will shop your case among multiple carriers to find your best price , and who will not sell you something worthless just to save off a few dollars and make the sale . That way you will have a policy of value at the most affordable price .


Input: Does Medicare Pay For Pre-Op Visits?

Output: Medicare will cover most pre-operative testing and doctor visits . Before you have surgery your doctor will want to know if you are healthy enough to survive the surgery . This evaluation process may require EKG or stress test , lab work , X-rays or some form of digital imaging . Ask your doctor if there is a question about coverage .


Input: How To Fill Out Claim For Disability Insurance Benefits?

Output: There are five basic steps needed to file a claim for disability insurance benefits . First , download the claim form from the web portal of the insurance company issuing the policy . Second , complete the personal information section . Third , have your doctor complete the physician 's report section stating the medical reason why you are unable to work . Fourth , have your employer complete the appropriate section verifying that you are no longer earning an income . Fifth , sign the form and return it to the insurance carrier for review .


Input: Does Having A Red Car Increase Your Insurance?

Output: The color of your car is not a consideration when purchasing auto insurance . There is an urban legend that states that red cars are more accident prone . At least in California that isnt a consideration . The rating factors in California are year , make and model of the car , the driving record of all those in the household , the average annual mileage and the location .


Input: Does Farm Bureau Offer Renters Insurance?

Output: In Wisconsin Rural Mutual Insurance Company which is a part of Farm Bureau Financial Services offers renters insurance . I can only speak for Wisconsin , but Farm Bureau Financial Services does operate in other states within the United States and handles personal lines with other companies in those states . If you are in Wisconsin give me a call and I can try to help you with coverage if you are not in Wisconsin , then I would suggest contacting your local Farm Bureau office to ask them for a local agent .


Input: Does Aetna Health Insurance Cover Lap Band Surgery?

Output: In some cases , Aetna health insurance plans will cover lap band surgery and other forms of bariatric intervention . Your doctor must indicate you are morbidly obese , other forms of weight loss have not been successful and you have related health issues such as type II diabetes , high blood pressure and high cholesterol .


Input: Who Can File A Claim For Life Insurance?

Output: That is a great question ! The insurance companies give a little leeway when it comes to filing the claim . They realize that the beneficiary may be grief stricken , and unable to handle the call . So the claim can be filed by almost anyone . Our Funeral home -LRB- we 've always used the same one -RRB- has typically done that for our family as a courtesy . The details of the claim will have to be taken care of by the beneficiary when filling out the paperwork and submitting it . Thank you for asking !


Input: Who Can File A Claim For Life Insurance?

Output: I actually just did this for a client . I had sold a gentleman a policy a number of years ago . He unfortunately got sick , and eventually passed . His wife called me up and wanted to know what to do . I called the carrier on her behalf and initiated the claim . The first thing the claims representative did was stop the automatic drafts of the premium from their checking account . That is a good move . Even amidst their grief , spouses in mourning still dont want to waste any money . They want the benefit . Towards that end , the claims rep then mailed the widow her claims kit . She , as the beneficiary , must file the claim . If for some reason she had been in capable of doing so , then a custodian or other appointed person would do it on her behalf . It took about a week , and she did get the kit . It was pretty simple . Obviously , a copy of the death certificate would have to be filed with the paperwork . Funeral homes are typically on top of this . They often encourage the grieving survivors to purchase a number of copies . They know that all sorts of institutions require it when settling that the estate of the deceased . I have found my involvement in expediting life insurance claims for clients to be some of the most powerful emotional experiences of my life . One in particular stands out . I had sold policies to a young couple . A number of years afterward , she became tragically distraught and overwhelmed . She committed suicide . These folks were my friends , and this made it double-hard to get involved . Her husband was so upset he couldnt even complete the claim form . I had to do so for him and just prepare it for his signature . Whew . I could tell you more stories like this . But such is the life of a life insurance salesman . Brokers do not have to be the ones to expedite the claims . Any friend or family member could do it . They can order the paperwork , and holds the beneficiarys hand during the process . But the beneficiary has to be the one to file the claim . Nobody likes to go through this . But , that is why you buy the policy . Want to keep learning ? Check out my blog : Planrisklive.com


Input: Who Can File A Claim For Life Insurance?

Output: Anyone can request the paperwork for a death claim from a life insurance company , but only the claimant or claimants -LRB- beneficiary or beneficiaries -RRB- can submit the paperwork to collect the death benefit . If you do not know the current beneficiary for the policy , you can call the life insurance company to find out .


Input: Who Can File A Claim For Life Insurance?

Output: life insurance claims are usually filed by the immediate family members , or benificiaries who are of legal age . When the policy is sold a folder is given along . with papers in order to identify where the policy information is kept . Depending . on the agent and company . Life policies are equivalent to wills are very involved in the estate . If you dealt with a good agent then you would have been assisted with this form of estate planning . The policy is mentioned in the will or there is a known location as to where the policy is kept . The claimants must be the beneficiaries of legal age . If the beneficiaries are under the legal age are named then the probate will handle the claim.until they become legal . It is always best to name a beneficiary of legal age if you have younger children for this reason . . Beneficiaries can be changed anytime during the policy and only by policy owner .


Input: When Did Whole Life Insurance Start?

Output: In the mid-1800s a form of whole life that were familiar with was developed . The first life insurance policy was sold be Amicable Society for a Perpetual Assurance Office . Term life insurance preceded whole life as we know it in various forms of annual renewal term . Permanent whole life , not necessarily participating whole life began appearing with some of the first American mutual companies like the venerable New England Life in 1835 .


Input: Will You Be Forced To Have Health Insurance?

Output: That is a great question ! No one can force you to do anything that your heart is set on doing . That said , they can make it very uncomfortable for you , and this is the case with the health insurance . The idea is that the more people that have insurance , the less the rest of us have to pay for the treatment of the uninsured . So there are penalties for not being insured that increase over time . It comes down to which option is least uncomfortable for you - being insured against the inevitable sickness or injury , or paying the fines for not having it , and the medical costs you will incur . Thank you for asking !


Input: Will You Be Forced To Have Health Insurance?

Output: No , you do n't have to have health insurance . However , underthe Affordable Care Act , if you do not want to buy a health plan , you will have to pay a penalty -LRB- also known as an `` individual shared responsibility payment '' -RRB- . Many individuals have options for group insurance through their employer or they are on Medicare or Medicaid . If you decide to buy a health insurance plan , then you would either need to buy it on or off the health insurance exchanges . Buying on the exchanges is beneficial if you qualify for a subsidy . Subsidies can only be used for on-exchange plans - they can not be used towards plans sold off the health exchanges . If you choose to pay the penalty instead of securing coverage , you will still be responsible for 100 % of your medical care . The penalty is calculated in one of two ways -LRB- you pay whichever is the higher amount -RRB- . In 2014 , the penalties will be calculated as : 1 -RRB- 1 % of your yearly household income featuring a maximum penalty as the national average yearly premium for a bronze plan . 2 -RRB- $ 95 per person for the year -LRB- If under age 18 , then $ 47.50 -RRB- featuring a maximum penalty per family of $ 285 under this method . The penalty calculations will change each year . In 2015 , method one increases to 2 % of your yearly household income and method two increases to $ 325 per person . In 2016 , it will increase again to 2.5 % for method one and $ 695 per person for method two . The penalty methods will be adjusted for inflation in later years . Please let me know if I can be of further assistance . Thanks very much .


Input: How Much Will My Homeowners Insurance Go Up With A Pool?

Output: Assuming your pool is installed correctly , properly maintained with adequate safeguards in place , installing a pool should have little to no effect on your premium . Most policies limits on appurtenant structures -LRB- in-ground pools -RRB- or personal property -LRB- above ground pools -RRB- are more than adequate . In rare cases , when these limits must be increased , the additional premium should not be more than $ 50-100 a year . Diving boards , water slides and other accessories presenting unusual hazards may cause a problem . Some insurers simply refuse to write or renew policies with this type of exposure . In these cases , you could see a significant increase in premium coupled with more restrictive coverage . Checking with your insurance company or agent is something I would do prior to installing a pool . If you are not comfortable with the answer , get other opinions . There is no one size , fits all .


Input: What Is Plan F For Medicare?

Output: Medicare supplement plan F , also referred to as Medigap plan F , is the most oversold and overpriced supplement plan on the market . Medigap F is a good plan if you are willing to pay the price . Plan F covers 100 % of your approved Part A and Part B expenses that are not paid by Medicare due to deductibles and coinsurance .


Input: What Is Plan F For Medicare?

Output: Plan F also referred to as the Cadillac plan offers the most complete coverage out of the 10 available Medigap plans . Plan F is the most popular Medicare Supplement because you have no out-of-pocket cost because it covers all the gaps -LRB- deductibles , co-insurance and co-pays -RRB- in your Medicare Part A and Part B coverage . Because it offers the most complete coverage Plan F is the most expensive Medicare Supplement and usually will experience the largest rate increase . Most people on Medicare would be better served by having a Plan G or Plan N .


Input: How Much Does Car Insurance Cost For Teenagers In Oklahoma?

Output: There are many factors to consider for teen drivers do to age driving experience , there are discounts for teen drivers to lower the cost , good student discount , drivers education the most cost effective would to be added to the parents auto policy . Be sure to check with and agent in your state for the best rates and independent agent can compare from multiple companies .


Input: Can You Get An Extension On Car Insurance?

Output: You will find , in talking about this with your Insurance Professional , that in most cases , your car insurance policy includes a `` grace period '' for premium payment . Some non-standard policies do not include this benefit , so be careful . Keep in mind as well that regardless of the length of the grace period , if you ultimately fail to pay on your renewal , coverage will be cancelled back to the policy inception date for that term . If you fail to pay mid term , the policy may be cancelled effective the end of that grace period , which means you would be billed for coverage provided during that grace time .


Input: Can You Get An Extension On Car Insurance?

Output: This depends upon state law . In California , there isnt a grace period for auto insurance . The insurance company has legal requirements before they can cancel your policy , even for non-payment . They may even accept a late payment . Every day that coverage is in force you are responsible for the premium . When the date of cancellation is reached , coverage ceases . Company policies vary regarding reinstatement but there will almost always be a gap in coverage which can create problems that you do not want . The bottom line is , pay the premium before it is due .


Input: Can You Get An Extension On Car Insurance?

Output: Great question ! The answer is going to depend upon your company - some may allow a short extension period , if you have had a good payment history , some may even allow for a hardship allowance . It is going to be tough thou , as insurance companies are pretty serious about getting paid on time . The best option is to try your best to make the payment somehow , but call your agent , explain what is going on , and see how they can help . The other alternative is to let the policy fall into the grace period , and pay before it cancels , and your coverage is lost . Unfortunately , that will mean you will need at some point to make two payments close together . Good luck ! Thanks for asking !


Input: What Kind Of Homeowners Insurance Do I Need?

Output: In general , a comprehensive `` all risk '' Homeowners Policy will provide the broadest coverage . I would suggest that there are certain key elements to look for when comparing proposals . Check the dwelling amount . Is it accurately reflecting current reconstruction costs in your area ? Look for a `` Replacement Guarantee '' for both your home and personal belongings to make sure that if you do suffer a loss , there wo n't be any costly gaps in coverage . Take a look at the deductible . These days most folks in my area have a $ 1000 deductible in order to control premium . Make sure you are getting the right credits . If you have a central alarm system , that will earn a discount . Some companies offer discounts for a new roof and upgrades in electrical , plumbing and HVAC systems.Finally , look for a good amount of Liability Protection , usually $ 300,000 . Keep in mind that a Homeowners POlicy does NOT provide coverage for Flood.Every home is in a flood risk area , it just depends upon the level of risk . You will need to look for a Flood Insurance policy to protect you.Ask your Insurance Professional .


Input: Can I End My Car Insurance Policy Early?

Output: Auto insurance is an at will product . Which means that you are capable of cancelling it at any point in time that you wish . Please remember though if you have a loan on the vehicle that you may have a contractual requirement with the lien holder to carry a minimum level of coverage while the loan is outstanding . Also keep in mind if you cancel your coverage without securing coverage from another carrier immediately you may have difficulty securing coverage in the future .


Input: Can I End My Car Insurance Policy Early?

Output: You can cancel an automobile policy whenever you wish . The insurance company will notifythe DMV . The company will refund unused premium in one of two ways . Some companies still use `` short-rate '' cancellation which imposes a penalty for cancelling before the policy term ends . Most companies use `` pro-rata '' cancellation which charges just for the number of days coverage is in force .


Input: Can Car Insurance Deny A Claim?

Output: If the claim is not within the scope of the coverage provided by the policy then yes the insurance carrier may be able to deny the claim . Please remember every policy is different . Please read your policy completely to understand the coverage provided and any exclusions that may be contained within or contact your local agent to have them go over the policy with you .


Input: Does Annual Mileage Affect Car Insurance?

Output: It does to a point . Each carrier uses different parameters to calculate your auto insurance premium . Almost all carreirs will ask a question or two about your driving habits . Some of the questions may be is your vehicle used primararyly for work or pleasure and approxiamate number of miles driven one way and possibly other quiestions .


Input: Can I Get Life Insurance On My Dad Without Consent?

Output: No . In order to take a life insurance policy out on a person , you must have their consent and there has to be an insurable interest . The insured has to understand what he 's agreeing to and be able to sign on his own behalf . Even with a power of attorney , many companies may still not approve a life insurance policy because the medical history may contain a medical condition that is `` uninsurable '' - meaning that the reason the power of attorney was invoked is because they have a condition the carrier would not want to write coverage for in general .


Input: Can I Get Life Insurance On My Dad Without Consent?

Output: You will need his consent , and yes , you must have an insurable interest . This is for his protection too . You can not just ask a company to pay you when someone , anyone dies . There has to be a loss to you for which you are compensated . That is the purpose of life insurance as it has been designed for centuries . Thank you . GARY LANE


Input: Can I Get Life Insurance On My Dad Without Consent?

Output: In order to take out a life insurance policy on another person you 'll need the following : The insured 's consent Insurable interest Whether you plan on being the beneficiary , the policy owner or possibly both , you 'll need to have consent of the insured . However , as long as you have insurable interest that should n't be difficult to obtain . For more information on life insurance policies and rates visit www.clminsure.com


Input: Can I Get Life Insurance On My Dad Without Consent?

Output: Normally , the insured 's knowledge and consent is needed . But , today , there are a growing number of accidental death and no-exam policies in the marketplace in which a policy on another person can be bought online or by phone without the insured 's knowledge or consent , with or without fraud . I know because I 've been a murder trial witness in 3 cases over the past 4 years and it 's no fun . At our agency , all calls are recorded and all 3 charged were convicted in less than 4 hours ' time . But our phone agents were duped and did n't realize that they were not talking to the insured . Sadly , the total number of murders of a relative in order to gain life insurance proceeds is very common in the U.S. today and almost never talked about . Just Google `` life insurance murder '' and you will be shocked at what comes up on a daily basis . Three doctors in my family have reported for years that relatives who stand to gain insurance proceeds are often too anxious to `` unplug '' a loved one when a coma situation exists . Sad stuff . It 's safest for all concerned that the insured always have knowledge and consent to the life insurance being bought .


Input: Can I Get Life Insurance On My Dad Without Consent?

Output: No , you ca n't get life insurance on your dad without his consent . If you are trying to secure some funding for final expenses when your father passes away , here are some tips that might help him consent to your purchasing coverage on him . 1 -RRB- Tell him you love him , and what a good provider he has been for your family . 2 -RRB- Maybe bring up a situation that caused you to think of buying life insurance for him . E.g. . When a friend or uncle died . And how it got you to thinking about what you would do if your father died . 3 -RRB- Explain that life insurance pays a death benefit quickly , without going through probate . This allows survivors to pay bills quickly and focus on supporting one another , rather than worrying about how to pay the bill . 4 -RRB- Use a simplified or guaranteed issue policy that does not ask a lot of health questions and does not need an exam . If you use a policy that pays the death benefit from day one , you will need to get your father 's health history . If guaranteed issue policy , it will be graded , but he can not be declined . 5 -RRB- Make sure he understands what will be required , be that a phone interview , drafting from his checking account -LRB- unless you are paying the premium -RRB- , etc. . With guaranteed issue policies , nothing is required but his signature on the application .


Input: Can I Get Life Insurance On My Dad Without Consent?

Output: Great question ! Unfortunately , unless the person to be insured is very young -LRB- think under 16 -RRB- they are going to have to sign the application as the `` insured '' . The laws governing the issuing of insurance were set up especially to prevent person A from taking out a policy on person B without them being aware , to protect person B. I 'd be happy to explain in more detail if you 'd like , just contact me . I 'd suggest the best solution is that you work out whatever issues there are with dad , and proceed together . Thanks for asking !


Input: How Do I Transfer My Insurance To Another Car?

Output: This one 's pretty simple if you have a good agent with a well trained staff . Simply call them up and tell them you 're replacing a car . To make sure they have everything they need have this information : Year , make and model of new car Full 17 digit VIN When you got your new car When you got rid of your old car Talk about the coverage you want : Comp & Collision ? Deductibles Anything special added to the car If it 's financed or leased , they 'll need to know the name , address , and loan or lease number of the finance or leasing company How you 'd like to receive your certificate of insurance Also at this time , it might be a good idea to ask what the premiums will be so you can budget for it . If you have n't sold your old car yet , do n't take the coverage off it . This is important . If you let someone test drive your car and they get in an accident or hurt someone , you want to be sure your covered . The premium you 'll pay for that short period of time is worth it .


Input: How Do I Transfer My Insurance To Another Car?

Output: Talk to your Insurance Professional when you are in the process of shopping for a new car . They will be able to give you an idea as to the difference in premium for the new vehicle so you are not surprised . When you have made your decision , provide them with the Year , Make Model and Vehicle Identification number for the new car along with any lien or lease information . They will be able to process the transfer of coverage from your old car to the new one and provide your dealership with all the necessary documentation to enable them to finish your deal and transfer the registration as well to the new car .


Input: Does Medicare Cover Hepatitis C Screening?

Output: Original Medicare does not cover routine Hepatitis C screening , but it can cover screening if approved by Medicare due to signs or symptoms of Hepatitis C being present . In that case , the screening becomes diagnostic and can be covered by Medicare guidelines . Under Medicare Advantage PPO plans , routine Hepatitis C screening IS covered .


Input: Does Life Insurance Cover Elective Surgery?

Output: Life insurance does not usually cover any health care . Traditional life insurance just pays upon the death of the insured person . There are some life insurance policies with riders or built in `` living benefits '' that will cover some health care for critical or chronic illness . Those usually pay the cash directly to the insured person when they meet the qualifications for that benefit to kick in . That cash can be used for whatever purpose the insured person desires , including elective surgery .


Input: Does Life Insurance Cover Elective Surgery?

Output: In general , there are possibly three scenarios you might have in mind . If you own life insurance currently and have elective surgery , it would not cause your life insurance policy to be canceled . If you were to pass away as a result of surgery , the policy would still pay the beneficiary the policy death benefit . If you were planning to have elective surgery while in the process of applying for life insurance coverage , depending on the surgery , the insurance company may postpone making an offer to issue coverage until a period of time has elapsed from the surgery .


Input: Can You Get Life Insurance If You Are Sick?

Output: Whether or not you can life insurance while sick depends on some factors . For one thing , if you have not yet been diagnosed as to the cause of your symptoms , most policies will require that you wait to hear the test results before applying . If you do know the cause but have not yet started treatment , you may need to wait to see how you tolerate the treatment , or to see if it has a positive effect on your illness . Chronic health conditions that never go away have a different standard . With diabetes , MS , sleep apnea , hepatitis , and other conditions that are controlled so that the person leads a normal life , many life insurance policies will rate according to the level of control . In every situation , if you live in a state that offers guaranteed issue life insurance , and if you fit the age guidelines for guaranteed issue life insurance , you can get that type of policy regardless of whether you yet have a diagnosis , whether or not your treatment is working , or whether your health is rapidly deteriorating . The price for this type of coverage is relatively high , and the face amount is restricted to a small policy . But in the case of serious illnesses such as advanced cancer , this type of policy fills in where others can not .


Input: Can My S Corp Pay For My Health Insurance?

Output: The quick answer is that if you have an S Corporation you get the full deduction for your health insurance howeer it transfers to line 29 Self-employed health insurance deduction on your 1040 form . As an example if I have health insurance for my employees that also covers me as an owner , I write one check for the health insurance premium on a company check . My portion of the health insurance flows to my personal tax return on line 29 so I get the full deduction . You may want to check with your CPA about this deduction . .


Input: Can I Cancel Term Life Insurance?

Output: Sure . You can cancel term life insurance anytime you want , but why do want to cancel it . Have your financial liabilities expired ? Did the economic exposure for your beneficiaries cease ? Even seniors who have financial stability have life insurance for final expenses . If its an issue of affordability , have you sought our other term life insurance alternatives for cheaper product and a better underwriting offer ?


Input: Can I Cancel Term Life Insurance?

Output: You can cancel term life insurance at any time . Suppose you bought a 10-year level term policy from Transamerica four years ago . You decided that you no longer wanted the policy and decided to cancel the contract . Simply call or contact your broker or the insurer directly , and your request will be taken care of .


Input: What Are The Differences Between A Will And Life Insurance?

Output: A will is a document that states your desire in the distribution of assets , power of attorney , health care directives and custodial care for children . The document is generally drawn up by an attorney and should be updated as changes occur . Life insurance is a mortality product to defend against financial liabilities , future obligations and charitable intentions that surviving beneficiaries may face at the demise of the policy insured .


Input: What Are The Differences Between A Will And Life Insurance?

Output: A will is not a very good idea in such states as California . Probate will take a long time to release your assets , and it will also take as much as half of the assets to costs , including court and attorney fees . With life insurance , the benefits go immediately to your family , and there are no taxes or costs of any kind involved . Talk with your agent . Thank you . GARY LANE , garylane@cox.net . 714 422 96169


Input: What Are The Differences Between A Will And Life Insurance?

Output: One big difference between a will and life insurance are that a will explains how assets are to be distributed ; life insurance creates the assets . A will can not create money . Life insurance , on the other hand , is paid into over years or all in a lump sum , and leaves a monetary benefit to survivors upon the insured person 's death .


Input: Does Auto Insurance Need Social Security Number?

Output: One of the biggest factors in determining your auto insurance rate is your credit history . Insurance companies will do a `` soft pull '' on your credit , meaning they will get some of your basic information , but you wo n't be penalized on your credit score for applying . The reason your social security number , and your credit history , is used by the insurance companies is because if you are careful with your credit and paying of your bills , you are deemed to be more responsible , and therefore are probably a better driver .


Input: Does Auto Insurance Need Social Security Number?

Output: Credit is a rating factor in 48 of the 50 states . Only California and Virginia do not use credit score as a rating factor . In credit states you may get by without giving your social security number but you will also end up with the highest rate . If you ca n't buy a cell phone without giving your SS # why would you not give your SS # on your auto insurance ?


Input: What Does Allstate Homeowners Insurance Cover?

Output: Great question . Allstate home insurance policy will cover fire , lighting , wind damage , Personal Liability as well . Allstate is like most insurance companies on home owners very similar . I would call your local broker and have them shop around for the best rate and best price on your home insurance . Good Luck


Input: How Can I Find Unclaimed Life Insurance?

Output: Finding unclaimed life insurance can be a painstaking task . I have to assume you are looking for a policy within your family . First , you will need to be prepared with information about the insured . Second , go to MIB.com . In the upper right hand corner you will find a link saying , `` find a lost policy '' . There is a fee for this service and it certainly is not guaranteed you will find the policy however this is where I would start . Good luck .


Input: How Can I Find Unclaimed Life Insurance?

Output: You can search for missing life insurance benefits at the unclaimed property office of your state . A website that contains unclaimed property in 38 states is missingmoney.com . If a death certificate is needed in order to collect the life insurance money , you can go to vitalcheck.com to see if you can access one .


Input: What Is The Best Medigap Policy?

Output: Plan F offers the most comprehensive coverage - it covers all Medigap benefits at 100 % from day 1 . The advantage of this plan is that it creates a very predictable healthcare expense structure -LRB- for the most part , you 're writing a check for your premium and you 're done - you wo n't get hit with big bills for any Medicare-approved charge -RRB- . Plan G is the second most comprehensive plan available - it 's identical to plan F except you would be responsible for the Medicare Part B deductible -LRB- $ 147 in 2014 -RRB- . The advantage of a plan G is that in many areas the savings in premium per year are greater than the cost of the deductible . For example , if the difference in premium is $ 30 per month - you 're saving $ 360 per year by taking on a risk of $ 147 . Please note , the plans feature the exact same benefits regardless of which carrier you have the coverage through - the big factor to look at the price of the plan you select . I hope the information is helpful - please feel free to contact me for assistance with your Medigap coverage and if you have any other questions . Thanks very much .


Input: What Is The Best Medigap Policy?

Output: The best Medigap policy is one that your agent has shopped the market for THIS YEAR . See , most agents sign you up for a plan when you turn 65 , then completely abandon you when you 're 68 , 69 , 70 . Having an independent agent shop the market for you will quickly let you determine what the `` best '' plan in the market to have is . We do that for clients in 34 states . We can be reached at 1-800-729-9590 . This video will shed more light on how to find the `` best Medicare Supplement plan . '' WEBSITELINK


Input: Why Do People Need Disability Insurance?

Output: This is an import question that every consumer should and take seriously . Disability insurance is fundamentally paycheck protection . The odds of you experiencing a disability , lasting at least 30 months , is statistically and substantially higher than dying . All your domestic expenses and future obligations are predicated on your earning ability . Its that important ! Buying term life insurance and spending the difference on disability insurance is a foundational part of defensive planning .


Input: Why Do People Need Disability Insurance?

Output: To financially protect yourself and your family . No one expects to get injured or not be able to work , but things happen . Having disability insurance will provide you and your family money when you need it most if you experience a covered loss . Please contact a local agent to find out what coverage and exclusions that he/she has available with the carriers that they work with .


Input: Why Do People Need Disability Insurance?

Output: People need Disability Insurance to replace part of their income if they were to become temporarily or permanently disabled . Some causes of disability are back injury , chemotherapy treatments , staph infection , etc. . Becoming disabled for any period of time can be stressful , scary , and expensive . Losing one 's income at the same time can be devastating . Disability Insurance provides financial support that can also lessen the emotional and physical impact of this experience .


Input: Which Company Has The Cheapest Homeowners Insurance?

Output: That is a great question ! Unfortunately though , one that is difficult to answer , as `` cheapest '' is a relative term when talking about insurance . What you need to think about when purchasing insurance is the balance of what you will pay , vs. what they will pay to replace . So you can buy a very cheaply priced policy , and save money that way , but if your home is destroyed , and the policy only pays for a small part of what you will need to pay for to replace , was it worth it ? please consider finding a local agent that can help you find an affordable policy that will provide you with adequate protection . Thank you for asking !


Input: Which Company Has The Cheapest Homeowners Insurance?

Output: The cheapest homeowners policy is one with appropriate limits that pays the maximum amount possible when you have a claim . At that point , premium means nothing ! The cheapest homeowners policy is sold by an insurance agent . That agent will listen to you , provide sound financial advice and communicate clearly with you and the insurance company .


Input: Does Life Insurance Become Part Of The Estate?

Output: Life insurance can become part of an estate , but not necessarily . If the named beneficiary is alive when the insured dies the death benefit is paid to the named beneficiary . On the other hand life insurance policies may be designed as part of an estate , and this can be beneficial when one wants to continue the benefits - say to the grandchildren - without causing the occurrence of taxation due to the benefit being paid to the insured 's child then passed on to the grandchildren .


Input: Does Life Insurance Become Part Of The Estate?

Output: If the life insurance is personally owned , depending on the circumstances , it can be includable in the estate . But from a federal estate tax point of view , the unified credit is over 5 million for individuals , 10 million for marries couples . So even with life insurance proceeds includable , you may not exceed the unified credit . However , most individual state exemptions are considerably lower than the federal unified credit , so you need to be aware of your states exemptions . But you could consider creating an irrevocable life insurance trust -LRB- ILIT -RRB- to own the policy and eliminate the estate and state tax exposure . Consult an estate tax attorney before moving forward with any policy ownership decisions .


Input: Is Critical Illness Insurance A Taxable Benefit?

Output: Generally , critical illness insurance is not a taxable benefit . The money that is used to purchase critical illness insurance has already been taxed , since critical illness insurance is not tax exempt as a medical expense . Thus , the benefits paid if the critical illness policy pays out , are not taxable .


Input: Is Critical Illness Insurance A Taxable Benefit?

Output: Generally no if the policy is an individual policy where premiums are not deducted from income for income tax purposes . The benefit is received in this condition as a non-taxable benefit paid to you by the insurance company . If the plan is part of a group plan or the premiums have been deducted under special circumstances , then the benefit would be taxable .


Input: Is Critical Illness Insurance A Taxable Benefit?

Output: Critical Illness Insurance premiums are usually paid with after tax earnings , at least if the policy is owned by an individual . When insurance is bought with after tax money , the benefit received from that policy is usually tax free . Therefore , collection of Critical Insurance benefits is not generally a taxable event .


Input: How Can I Get Health Insurance For Free?

Output: Health insurance is not free . There is a premium required on every policy . However , under the new Affordable Care Act , you may be able to qualify for a subsidy if certain conditions are met -LRB- the primary being your income level -RRB- . If you are trying to secure a subsidy to use towards your health insurance premiums , you will need to buy a health plan ON the health insurance exchanges . Subsidies ca n't be used towards off exchange health plans . An agent/broker can work with you to find the plan that finds the proper balance of meeting your budget and the desired coverage you want to have .


Input: Does North Carolina Have No Fault Auto Insurance?

Output: North Carolina does not have no-fault auto insurance . Which of course means they have fault insurance . This means that assuming you are insured , and you hit another vehicle and/or driver , your insurer will be responsible for paying the damages up to the limits you have . Underinsured protection could make up the difference .


Input: When pipes wheather sewer or water are the repairs and damages covered both inside and outside the home?

Output: Damage that is the result of wear is not covered by a homeowners insurance . The damage caused by a burst pipe is covered , but not the repair of the pipe . The cause of the damage to the pipe must be one of the perils covered by the policy . Earth movement and flooding are generally excluded .


Input: When Does Classic Car Insurance Apply?

Output: A `` classic '' car is one that is at least 25 years old . Some companies have other restrictions on classic car insurance , such as number of miles driven in a year , whether it is a show car or a daily driver , and if the car is stored part of the year . The best source of information for the specific vehicle circumstances can be the insurance companies themselves . They have the same general criteria , but each is a little different . The three main classic car insurance companies are : JC Taylor -LRB- WEBSITELINK -RRB- , Hagerty -LRB- WEBSITELINK -RRB- , and Grundy -LRB- WEBSITELINK -RRB- .


Input: What Did CMFG Stand for In The Beginning? It Must Stand For Something!

Output: Having no luck finding anything with a search on CMFG , I followed a hunch and tried `` CUNA Mutual Financial Group '' . Per this web page , WEBSITELINK it appears to me that CMFG does stand for CUNA Mutual Financial Group , Inc. . Hopefully this will help you research the company on a deeper level .


Input: What Are Medigap Basic Benefits?

Output: Those benefits that federal and state law mandates must be covered under any Medicare Supplement Plan -LRB- A through N -RRB- . Includes Part A coinsurance plus additional days of hospitalization coverage , Part B coinsurance , Blood -LRB- first 3 pints -RRB- , and Hospice coinsurance . See Medicare.gov for further information ; read the CMS guide to Choosing a Medigap Policy to fully understand policy coverages and benefits .


Input: Should I Take Long Term Disability Insurance?

Output: Certainly long term disability insurance is risk management tool that every responsible person needs to seriously consider . The average working age American has about a 25 % chance of being disabled for some portion of their life . So , 75 % of us avoid disability if you look on the bright side but a 1 out of 4 chance that you 'll be the unlucky person is pretty sobering . Your chances of being disabled for some period are far higher than your odds of winning the Powerball Lottery . And , if you do experience a disability close to 40 % of those unlucky persons experience a disability period in excess of 5 years with the average disability lasting 82 months from recent figures I saw . The challenge , as with so many things in life , is effectively managing all the risks that life presents us with . Health care , dental care , vision care , the risk of death , oh and somewhere in there you 've got to eat and have shelter and live a life . I ca n't say that long term disability insurance should be your number one priority over eating but it 's certainly more important than having a set of spinners on your car or having the ultimate man cave . Disability insurance should be high on your list of risks to manage and the younger in life you make the commitment the more economical it will be .


Input: Should I Take Long Term Disability Insurance?

Output: Yes , you should take the long term disability insurance . Statistically speaking you are 8 times more likely to become disabled than to die . Almost 90 % of disabilities are due to illness over injury . Be sure this policy covers both . For the vast majority of working Americans , their number one asset is the ability to earn a living . Long term disability insurance covers that asset .


Input: What Is A Rated Operator In Car Insurance?

Output: If someone drives your car on a regular basis they need to be listed as a rated operator . Also anyone living in your household with an active drivers license needs to be listed on your policy . Some companies will allow driver exclusions but you need to check with your company before allowing someone to drive your car . More and more companies are denying claims because of undisclosed drivers , especially children . You need to disclosed all drivers and make sure the are listed on your policy .


Input: Can A 78 Year Old Get Life Insurance?

Output: The short answer is yes , there are plans available.I recommend contacting an Independent agent who specializes in insurance for seniors.Typically this agent will be able to offer the most options to suit your specific needs . It is time well spent having this conversation to determine your specific needs ...


Input: Can A 78 Year Old Get Life Insurance?

Output: There are carriers out there that will write a life insurance policy for persons up to one day before the persons nintyith birthday . These policies will typically have stricter requirements for issue and be costly . Call a local agent to find out about availability of coverage and pricing for that coverage .