Input: How Much Does Disability Income Insurance Cost?

Output: Disability insurance depends on a number of factors . The cost -LRB- your premium -RRB- is based on a number of factors - the most important being your medical history , your job , and your income - and the policies are very customizable . This is a very important type of coverage to have that many do n't think about . It protects one of your greatest assets - your ability to work.If you ca n't work because of an injury or illness , how do you provide income for you and your family . The answer ? Your disability insurance . When you 're buying a disability policy , the MOST important factor in the policy structure is the DEFINITION OF DISABILITY . Each policy will use 1 of the 3 definitions : 1 -RRB- True Own Occupation - this says you are considered totally disabled if , solely due to injury or sickness , you are not able to perform the material and substantial duties of your occupation , even if you are at work in another occupation . In short , this is the most favorable definition you can have . 2 -RRB- Modified Own Occupation - this says that you are considered totally disabled if , solely due to injury or sickness , you are not able to perform the material and substantial duties of your occupation . This one is commonly seen in many individual disability insurance policies . 3 -RRB- Gainful Occupation - this says if you are unable to perform the duties of your occupation or any occupation for which you are qualified for by education , training , or experience due to sickness or injury . In short , this is the least favorable definition . This one is commonly seen in group disability insurance policies through an employer and property and casualty insurers that offer disability coverage . There are many moving parts to disability insurance and is not something I would suggest trying to buy on your own - this is a type of coverage you should consult with an experienced independent disability insurance broker about . 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: How Much Does Disability Income Insurance Cost?

Output: Just like most insurance there are a lot of factors that go into calculating disability insurance . The underwriters are going to want to know your age , build , health status , tobacco use , life style and state of residence . Then they want to know your occupation , income , net worth and time on the job . There are 5 rating systems just on occupation alone . A `` white collar '' worker will get a much better rating than a `` blue collar '' worker . I highly suggest using an experienced independent broker to help you maneuver through the different policies and companies . In almost all cases our advice is free .


Input: How Much Does Disability Income Insurance Cost?

Output: Disability income insurance can cost between $ 50 and $ 5,000 per month . Yes ... that is a ridiculously big range . But there are so many variables that determine the rate , I should cover all bases . A full-time broker/agent can quickly ask you a few questions and determine the best plans for the most affordable price .


Input: How Much Does Disability Income Insurance Cost?

Output: Disability insurance is very affordable compared to it protects your family from disaster if the head of the house hold should lose the ability to perform their duties at work or in their business it could cause domino effects to the family budget that could take many years to get back even if ever but it is fairly cheap and you have many options.If I can help let me know see my profile or view my website . Take Care


Input: How Much Does Disability Income Insurance Cost?

Output: Your best bet is to speak with a qualified agent who can assess your needs and walk you through the alternatives . Disability insurance is a complex topic . In addition to the factors cited in the first answer , your premium rates may also depend upon the monthly benefit amount , elimination period , and payment duration choices . An agent can help you determine what policy configuration best fits your budget .


Input: When Can I Switch To Medicare?

Output: I believe what you 're asking is , while you have group or an individual health plan now , when are you eligible to go on Medicare . People are eligible for premium-free Medicare Part A when they turn 65 and have met the 40 quarters -LRB- 10 years -RRB- of working life/paying FICA taxes . Anyone who is eligible for premium-free Part A , can qualify for Part B - Part B requires premiums . Younger individuals with certain disabilities who have been entitled to social security disability benefits and those with end-stage renal disease , may also be eligible to receive Medicare benefits .


Input: What Are Some Good Auto Insurance Companies?

Output: Some good auto insurance companies are State Farm , Allstate , Farmers , Geico , Esurance , Progressive , Liberty Mutual and Safe Auto . As experienced brokers , we represent all carriers and shop for our clients to ensure they get the best rate at all times . Each carrier has different underwriting guidelines , so it 's important to shop the proper way .


Input: What Are Some Good Auto Insurance Companies?

Output: Insurance companies that are good is a very broad subject . First your insurance is only as good as your agent is our motto . Take a look at the carriers available to you and ask your friends and family they are your best guide when it comes to selecting your insurance needs . Most all are good companies but how is the service and or claims . I recommend you do some research and read reviews about the carrier and agents that will help you make an informed decision


Input: How Hard Is It To Get Life Insurance?

Output: That is a great question ! Getting a life insurance policy is surprisingly easy - even for people that have significant health issues . Many companies will offer policies that ask no health questions at all , and only require proof of identity , and up to date payments to stay in force . There are policies in every price range , and every size . If you would like help finding a policy that works for you , please feel free to contact me , I 'm happy to help . Thanks for asking !


Input: How Hard Is It To Get Life Insurance?

Output: Getting life insurance is not hard when you have a good agency handling your case . If there is not good communication going on , it can be frustrating to get through the application process , especially if you have never applied for life insurance before . It helps immensely to have an agent who will explain your options , fill out the application with you , be available to answer questions , and guide you after your approval until the policy is in effect . It also helps to have an in house Case Manager who gives you regular updates and lets you know what you can to do help move things along . Also , getting No Exam life insurance can make it easy to get life insurance . If that is an option and you are willing to possibly pay a little extra for that convenience , getting life insurance that does not require a physical can be a good choice for someone who does not want to take the time or effort of going through medical underwriting .


Input: How Hard Is It To Get Life Insurance?

Output: Obtaining life insurance is really pretty easy for the majority of people . All you need do is contact a trusted and knowledgeable Insurance Adviser / Broker and discuss with them what it is you want and what your goals and needs are . Then you will need to qualify and be able to pay the premiums . Most people can qualify for some level of insurance and then it just becomes a question of being able to pay the premiums .


Input: Can I Pay Health Insurance Premiums With Fsa?

Output: Can you pay health insurance premiums with a Flexible Spending Account ? I guess the first thing I would ask is if you have a FSA in place , are n't your premiums already being deducted pre-tax ? I do n't know of any business situation that offers a FSA plan that does n't already have employee paid premiums already taken pre-tax . Do you mean health insurance premiums for another family member who is not part of your employer 's plan ? I believe the answer would be no . FSA in regard to medical , dental and vision expenses are designed to pay towards out of pocket expenses a person has during a plan year .


Input: What Are The Car Insurance Minimums In Pennsylvania?

Output: Pennsylvania state minimums for car insurance are 15k/30k for Bodily Injury , 5k for Property Damage and 5k for Medical Payment . All other coverage and limits are optional . However I highly recommend Uninsured and Underinsured Motorist coverage . This protects You if the person who hits you does n't have insurance or enough insurance to cover Your damages . Go to WEBSITELINK for more information and some free quotes !


Input: Which Retirement Plan Is Considered A Defined Contribution Plan?

Output: Individual Retirement Accounts -LRB- IRAs -RRB- , 401 -LRB- k -RRB- and SEP plans are examples of defined contribution plans under ERISA . These qualified plan are sanctioned government retirement programs with tax deductible contributions , tax deferred accumulation and taxable distributions including basis . 401 -LRB- k -RRB- plans allow employers to match part or all of the employee contributions .


Input: Is It Smart To Buy Whole Life Insurance?

Output: The answer to this question depends entirely on your specific needs and/or goals . Whole life insurance is a great product for those looking to establish permanent life insurance with a guaranteed premium that will never change . It 's also a great product for someone looking to diversify assets by leveraging the cash value accumulation aspect of the participating -LRB- i.e. earns dividends -RRB- policy .


Input: Why Is Whole Life Insurance Good?

Output: Why is whole life good ? Well there have been several answers that will cover the bases pretty well . A locked in premium , tax deferred growth , a death benefit that grows over time , etc. . Let me give you another reason . a reason that you may not realize until later in life if something happens to you but does n't kill you . That 's right people get sick . Diabetes , high blood pressure , heart problems and so on can and actually do happen to a large segment of our population . The reason I want to point out pertains to the things I just mentioned . Why is whole life good ? Because they ca n't take it away from you . YOU control the policy . The price ca n't go up , the policy ca n't really run out of years and end prematurely . Why is that important ? When I got sick with my type II , hyper tension and recently AFIB , what a reassurance it was to KNOW I was still in control of my policies , that they were n't going to end or explode in price on me . Whole life is expensive because it 's a product the INSURED controls . Cheers .


Input: Why Is Whole Life Insurance Good?

Output: There are many people who have a problem with Whole Life Insurance . However , under the right circumstances , it is best for many different circumstances . It is permanent insurance that will last for the whole life of the insured . It will build cash value and has options available such as ; being able to get paid up insurance , being able to take out policy loans , being able to get a waiver of premium rider -LRB- just to name a few -RRB- . Talk to an Insurance Advisor and explore whether or not you could benefit from this type of insurance .


Input: Why Is Whole Life Insurance Good?

Output: Why is Whole Life insurance good ? Ah - where to begin ? There are so many good things about Whole Life ! I like the points Larry made above here , and the points that DM Rozek made . So rather than restate those points I 'll start by saying that your best Whole Life policies are with the strongest , oldest , Mutual insurance companies that pay dividends to the policy holders . There is no cash value at all with Term insurance so that 's a definite advantage of Whole Life . Beyond the other points mentioned above by the other contributors , what I like to help my clients understand is the `` infinite banking '' uses , or the `` interest arbitrage '' strategies that Whole Life insurance makes possible . The cash value of Whole Life is a liquid asset that can be used without incurring a taxable event by means of a policy loan . The interest on policy loans is almost always lower than the interest and dividends paid into policy cash value . And when you have a policy with a mutual company that offers non-direct recognition loans your cash value continues to accumulate compounded as though the loan was never taken . And when borrowing from your cash value yo are n't locked into a repayment schedule as you are with a bank .


Input: Why Is Whole Life Insurance Good?

Output: I 'll start out by saying that the best life insurance is the life insurance that is the right amount for your needs and is affordable to you . For the most part , it does n't matter whether it 's whole life , term life , or some combination of the two . Whole life is good for a number of reasons : It 's the best way to cover a permanent need - The dividends and cash value build over time and , over a long period of time , the cash value may be more than the premiums you 've paid essentially making it free or better . Premiums are level - the premium you pay when you first get your whole life will be the same for your lifetime . It wo n't increase and , as long as you pay that premium , you 'll always have the policy . It 's flexible - the cash value in your policy is yours and you can do with it what you 'd like . You can take a loan of your cash value or take part of it out if you need to . But , be aware this may affect your future premiums or the death benefit . The cash value grows tax deferred - You do n't get a 1099 for the gain in your policy . You only pay income tax on the gain when you make a withdrawal . The gain in the cash value comes out last - When you make a withdrawal from your policy , your paid premiums come out first and , since you already paid tax on that money -LRB- usually -RRB- , you do n't owe any income tax until you 've withdrawn all your premiums . A couple of qualifiers . My statements apply to the usual scenarios where you pay your premiums from your net income . If there is an arrangement where the premiums are deducted from your income tax , all withdrawals may be taxable . Also , the death benefit may become taxable to the beneficiary . These are higher level arrangements that would take a lot longer to explain . Bottom line , whole life insurance is good because it does things that no other life insurance program can . Used for the correct situation , it 's the best at what it does . Find a good agent that will take the time to evaluate what you need and build a program that covers what you need at a price you can afford . The best life insurance is the insurance you have in force . If you ca n't afford it and let it lapse , it does n't do anything . Trust your agent and listen to their advice .


Input: Which Modifications Affect Car Insurance?

Output: If you are adding any special features to your vehicle that increase its value , or add items that enhance performance , you will generally see some form of an increase to cover the added amount of value . For example , if your vehicle has custom $ 5,000 rims and a $ 3,000 after-market stereo system , and if you want it to be covered in the even of a loss , you would need to report these special features to your insurance company . This will in-turn increase your premium the appropriate amount to cover the special features . Thanks for asking !


Input: When Does Medicare Pay For Nursing Home Stay?

Output: Medicare will pay up to 100 days of nursing home stay when the need for skilled care is ordered by a doctor , when it follows a qualifying hospital stay of at least consecutive three days , when the care in the skilled nursing facility -LRB- SNF -RRB- is for the condition for which the person was hospitalized , when the SNF is Medicare certified , and a few other conditions .


Input: How To Pay For Assisted Living With Medicare?

Output: Medicare will not pay for Assisted Living because Medicare does not provide Long Term Care . Under Medicare Part A , Medicare will pay up to 100 days in a Skilled Nursing Facility . The whole purpose for Skilled Nursing is to get you better so you can go home . You will need to purchase a Long Term Care Policy to pay for Assisted Living as well as Nursing Home Care .


Input: How To Pay For Assisted Living With Medicare?

Output: You wont be able to use Medicare to pay for rent , meals , or anything non-medical related at an assisted living facility . Assisted living facilities are considered to be non-medical senior housing . If you live at an assisted living facility , you can continue to use your Medicare coverage for medical needs covered under Part A and Part B . Some people purchase long-term care insurance policies to help with the cost of an assisted living facility . You can also check with your local Medicaid office to see if you qualify for assistance . Medicaid is highly needs-based and the duration of stay at a facility is limited .


Input: Is A Roof Leak Covered By Homeowners Insurance?

Output: It is always best to talk to your Insurance Professional about the terms and conditions of your particular policy , but so long as the roof leak is caused by a covered peril in your policy , then the damage caused by such a leak and the cost to repair it would be covered by your policy . Of course the settlement of the claim would be subject to your policy deductible .


Input: How Does Health Insurance Affect The Economy?

Output: The PPACA , or better known to the public as Obamacare , will be implemented six months from now . The intent of the legislation is to provide health coverage for every American at an affordable price , supposedly lowering current premiums . Most economists and some government agencies predict that Obamacare will cost much more to operate than previously thought and will impact the economy adversely . Keep in mind that this is a federal program . Any short fall of the program will be borne by federal income tax payers . Only 53 % of Americans pay federal income taxes . Taxes will increase or the U.S. debt will increase or both with the imposition of Obamacare .


Input: How Much Coverage Should You Get For Renters Insurance?

Output: That is a great question ! The amount of renters insurance you will need will depend upon the value of what your belongings are , for the most part . The best way to determine that is to see if the company has a value calculator , that will give you a solid idea . If they do n't , then estimate based off of receipts and comparable items . Remember to price everything from mops to garbage cans , because if there were a fire , you 'd have to replace them too , right ? Keep your list in a safe place , and include pictures or serial and model numbers of everything electronic . I hope that helps , thanks for asking !


Input: How Much Coverage Should You Get For Renters Insurance?

Output: An adequate renters policy would have the highest liability limit that an insurance company will write . A lawsuit can bankrupt most people . The value of personal property is the other limit that you must select . I recommend that you take photos of every wall in your home making sure you have a record of every item of property . Review the photos , list the items and estimate the cost to replace them . The sum of that exercise will give you the personal property limit that you will need .


Input: What Information Is Needed For A Homeowners Insurance Quote?

Output: To provide an accurate homeowner 's insurance quote , some of the needed information includes your address , the age of the dwelling , what recent claims you have had , the responding fire department , how far you are from a fire hydrant and fire station , what pets you have , and general information regarding square footage , construction type and room sizes .


Input: What Is Auto Insurance Stacking?

Output: Stacking is where you take the limits of your uninsured motorist coverage and stack them up . For example you carry 50/100 uninsured motorist limits and are hit by an uninsured motorist and are injured . Your policy would pay up to 50,000 for the injury of each person in your auto up to 100,000 max . Now lets say for example you have two cars on your policy . Of course each car has the same 50/100 limits . With stacking since yourpolicywas covering two cars the limits would be stacked and your now have 100/200 coverage in any auto accident . Stacking is not available in all states and for those states that offer stacking it comes with a premium .


Input: Does Disability Insurance Cover Cancer?

Output: does disability insurance cover cancer ? Yes or No are the possible answers to this question . A disability contract pays based on the policyholder meeting the definition of disability as stated in the contract . The definition usually reads as `` being unable to the material and substantial duties of their own occupation . '' If cancer means you ca n't work , you 're covered . If you can continue to work , you 're not , unless you can only work a reduced schedule .


Input: Which State Has The Most Expensive Auto Insurance?

Output: As far as I know Illinois has the most expensive insurance rates in the nation and Michigan was second . Unfortunately , I have to keep writing because this website says this question needs more detail but I cant add more detail to this particular question . Hope this answers your question ! lol


Input: Does Car Insurance Cover Using The Wrong Fuel?

Output: Unfortunately , it does not . Typically , your policy is not designed to cover maintenance issues or related problems . Your auto insurance policy is designed to cover liability risks such as bodily injury and property damage . Other benefits you can add include uninsured and underinsured motorist protection along with collision and comprehensive coverage on your vehicle .


Input: What Are The Two Types Of Homeowners Insurance?

Output: There are seven homeowners forms in current use . Some of the forms are rarely used . The HO-3 form is the most commonly used . The differences between the forms has to do with the list of insured perils -LRB- fire , wind , lightning etc. -RRB- and the method the company will use to adjust the claim -LRB- actual cash value , or depreciated value , and replacement cost . -RRB- The price for the various forms varies . Lenders may demand that a specific form be used .


Input: How Much Does It Cost For Renters Insurance?

Output: Individual residences are unique . So are the premiums for renters insurance plans . Check with people who have similar units . Find out what their limits are , from that you can come pretty close to an estimate of what it might cost you . Contact an agent that you trust . Have them design a policy and then you will know exactly what one company will charge for the renters policy .


Input: How Much Life Insurance Is Considered Enough?

Output: If you were to cover every contingency of life with life insurance , you probably could not afford that much . Life insurance is a wonderful resource for the `` what if 's '' of life , but the `` what if 's '' can be endless . What if you died leaving your family without your income . What if before you died , you used up all your savings on doctor bills . Then , what if your spouse died shortly after you . What if the person you designated to care for your children , had just lost their job . What if ... . No one can have enough life insurance to cover every possible tragedy . But you can have enough life insurance to give your loved ones a chance . Providing them with enough income to give them time to adjust to life without you , without having to worry about getting a new job -LRB- or adding a second job to the one they already have -RRB- , is a good place to start . Giving them enough to live on until your children are grown , or for 10 years , is also a reasonable amount .


Input: How Much Life Insurance Is Considered Enough?

Output: Video Transcript : Today 's question is , `` How much life insurance is considered enough ? '' Well , I definitely want to cover all my indebtedness : mortgages , credit card , auto , home , all my debts that I may incur . I also want to look at future obligations ; maybe my children 's college education , my retirement or replacing my income if I 'm not there so that my spouse or business partners or beneficiaries are not saddled without any income coming in that I used to generate . So it 's really important . How much do I need ? I want to try to buy what I need to cover all those areas and then maybe a little bit more in case I have charitable intent . A lot of people have big hearts but small wallets and sometimes I add that on because people want to be able to give something in case something happens to them . Well , that 's our consumer question for today . If you have any questions , just send them to www.insurancelibrary.com


Input: How To Compare Auto Insurance Quotes?

Output: It 's easy to compare auto insurance quotes . First , you need to get multiple quotes from the top-rated companies . To save time , money and your sanity , allow an experienced broker -LRB- preferably with an established website -RRB- do the shopping for you . When comparing quotes , you 'll be able to easily find affordable coverage for you and your vehicles .


Input: Does Car Insurance Cover The Driver Or The Car?

Output: When you purchase car insurance the insurance agetns require that you declare who the primary oerator of each vehicle . This declaration means that if the `` driver '' of the car has an accident then the coverage of that vehicle with that driver was declared on the application . What happens if you are driving a friend 's car with his permission-then you are covered by the permission granted to drive the car , assuming you are legally licensed .


Input: Who Is Aviva Life Insurance?

Output: Aviva Life and Annuity Company is based in Des Moines , Iowa . They were the the number one ranked life insurance company for sales of indexed life insurance products in the third quarter of 2012 . In addition to indexed universal life , the company also offers term life and universal life insurance .


Input: Why Is Admiral Car Insurance So Cheap?

Output: That is a great question ! I am not familiar with their policies directly , but as a rule , if their rates are low , then chances are the deductibles are high , and the coverage limited . That is not necessarily a bad thing , but is definitely something to be aware of , and that it also fits your need . My advice would be to compare it with other companies , and see how it matches up . You need help , contact me , okay ? Thanks for asking !


Input: What Percentage Of Life Insurance Policies Go Unclaimed?

Output: The SS DMF -LRB- Social Security Death Master File -RRB- is indeed often used by carriers that issue life insurance policies . And some carriers have come under investigation over claims of failing to pay death benefits . The Catcch 22 is , by Social Securities own admission the DMF often contains erroneous information . It is not uncommon for SS to terminate benefits because the DMF reported someone as deceased when in fact they are still alive . When this happens it can take months and numerous appeals before SS reinstates you in their system .


Input: What Percentage Of Life Insurance Policies Go Unclaimed?

Output: The life insurance industry says that less than 1 % go unclaimed , the department of insurance in several states says otherwise . Several life insurance companies have been discovered performing inadequate due diligence by not surveying the Social Security , Death Master List . Other sources say 1 in 600 may be owed unclaimed life insurance money . Life insurance industry is not the only ones having problems with delivering money owed to beneficiaries ; many banks are sitting on millions of unclaimed accounts . And although life insurance companies need to be more vigilant with death claims , it is the responsibility of the policy beneficiaries to file a death claim .


Input: What Does Critical Life Insurance Cover?

Output: Critical Illness Insurance and Life Insurance are two separate products . Critical Illness Insurance provides a benefit while the insured person is still alive but diagnosed with cancer , stroke , or other covered illness . Life Insurance pays a death benefit to the insured person 's beneficiary after having passed away from illness , accident , or any cause . Some Life Insurance policies do have Critical Illness benefits built in or added on as a rider . With these policies , you can access some of the face amount while still alive if diagnosed with a covered critical illness . If that benefit is never used , the entire face amount is paid out upon the death of the Insured .


Input: What Is The Best Home Insurance?

Output: The best home insurance is the policy that pays the most when you have a loss . It isnt about premium it is about coverage . The best place to get such a policy is from a competent insurance agent . If you dont know one , ask a colleague , friend or neighbor . The agent will help you select the coverages that are appropriate and the limits that match your exposure .


Input: Does Renters Insurance Cover Roaches?

Output: Renters insurance or any property insurance does not cover any insects , verminor pests and they damage they may potentially cause . These little creepy crawlers are anuisancebut your best option is to call your local exterminator for help . I would always have this discussion with your local agent on the specifics of your renters insurance policy


Input: Does Renters Insurance Cover Roaches?

Output: This would typically not be covered under a renters insurance policy . Vermin are normally one of the items that are listed within the exclusion section of your policy . Remember every policy is different . Please read your policy completely to understand the coverage provided and any exclusions that may be contained within .


Input: Is Medicare A Private Health Insurance?

Output: No . It is a program of the Federal Government . It becomes the primary health provider for all who are over 65 years of age . If a person does not receive enrollment information they should contact the Social Security Administration to secure the Medicare forms . Other forms of insurance become secondary providers after age 65 .


Input: What Is The Maximum Amount Of Life Insurance I Can Get?

Output: The maximum amount of life insurance you can get will depend on your personal finances . Underwriters look at your personal income , your household income -LRB- what you and your spouse or partner make together -RRB- , and your net worth in determining how much life insurance you can get . If you are young to middle age , you can usually get approx 20 times your annual income in life insurance coverage , and more if your assets or investments are high . Persons of older ages qualify for approx 10 times their annual income , but this is highly variable depending on their other resources , as well . On the converse , if you have many liabilities , have had a recent bankruptcy , have a terrible credit score , or have liens out against you , the amount of life insurance you can get could be reduced or even postponed until legal obligations have been satisfied or worked out in an agreement .


Input: What Is The Maximum Amount Of Life Insurance I Can Get?

Output: The Maximum Amount of Life Insurance on any one insured is based on the potential policy owners ability to financially justify the total amount applied for based on their total financial liabilities , future financially obligations and their lifetime human earning value potential . Most life insurance company 's jumbo limits are 65 million .


Input: Is Supplemental Cancer Insurance Worth It?

Output: In many cases having a good cancer insurance plan makes sense . Major medical plans are designed to cover the bulk of your medical bills if you contract cancer but there are always deductibles , copay 's and coinsurance that can leave you owing thousands of dollars in out of pocket expenses . Cancer insurance can help .


Input: How Much Is Home Insurance Per Month?

Output: On average my clients pay about $ 100 per month for homeowners insurance . However , that probably has little bearing on what you might be required to pay . Each policy is individually underwritten and uses many rating factors . Some common factors are ; the location , the value , the history , local fire protection , and the cost of reconstruction . There are additional factors that impact whether the company will insure the house at all . An agent should be able to guide you through this process and give you a quote that will reflect your unique situation .


Input: What Questions Are Asked For Life Insurance?

Output: Life insurance applications ask , at minimum , your name , address , date of birth , SSN , and beneficiary . If you are applying for a policy with any type of health qualifications , you will need to answer some medical questions , and possibly some questions about addictions , felonies , etc. . A fully medically underwritten policy will also ask about your income , whether you have dangerous hobbies , and more detailed health questions . It will require a paramed exam that will include your height and weight , blood pressure , and blood test . If you are a very healthy person with no other risk , the cost of your policy will usually be lower with the more questions that are asked . If you have serious health conditions or other risk , that may not necessarily be so ; the nonmed policies could have a lower rate , or be the only type of policy you can get . You can contact an agency that sell policies of all types to find the type of application process you wish to go through . If you wish to avoid some life insurance questions , you could find a policy that will avoid that , such as guaranteed issue life insurance .


Input: How To Open A Qualified Retirement Plan?

Output: While IRA 's are technically not `` qualified '' they are generally lumped into the qualified category due to their tax treatment . Based on the question , I 'm going to assume that an IRA will suffice for your intentions . To open an IRA there are a few ways to approach this goal : 1 . You can choose an asset issued by a company who will act as custodian and open an IRA with that company . Examples of this include specific mutual funds or annuities and opening an IRA with the issuing company 2 . In some cases you can open a general IRA and place numerous investment products in the IRA , this can sometimes be tricky and depends on the custodian with whom you open the IRA with 's rule regarding available products in the IRA 3 . You can open a self directed IRA and place pretty much whatever you want into it so long as it 's an allowable asset under current US law . The third option involves considerable more cost to establish the IRA but also leaves you with the most flexibility in term of what goes into the IRA and how it is funded .


Input: What Is Life Insurance Ownership?

Output: There are many policy players with a life insurance contract : insured , beneficiary , contingent beneficiary and owner . Sometimes a person can be both the insured and the policy owner . The policy owner can make changes and alterations in the policy , but the policy owner also is the tax payer if taxable events occur .


Input: What Is Life Insurance Ownership?

Output: Life insurance policy ownership is the state of owning a life insurance policy . The owner of the policy usually instigates the contract . The owner may insure themselves , and choose another person as beneficiary , or they may insure someone else with whom they have an insurable interest , in which case they usually name themselves beneficiary . The owner can change beneficiary , policy features , or even cancel the policy at will .


Input: Do I Need Insurance To Drive A Car In Georgia?

Output: In the state of Georgia , you are required to have auto insurance is required to register your can and to legally drive . If you are caught driving without proof of insurance , the fines are extensive , including jail time , points against your driver license , large fines , and/orsuspension of your license until you can show proof you are insured .


Input: How Hard Is It To Sell Long Term Care Insurance?

Output: To sell Long Term Care Insurance you must be licensed in Health Insurance and also take training about partnership long term care insurance . You must be understand the different aspects of long term care insurance , or use a broker who can explain those for you . The hardest part about selling long term care insurance is that it is difficult for many to afford , or part with , the premium , and the part of human nature that says `` that will never happen to me '' kicks in . But if you have the right market -LRB- people with assets to protect and enough income to pay the premium -RRB- and understand the implications of long term care insurance yourself , it helps .


Input: Does Long Term Care Insurance Cover Assisted Living Costs?

Output: Long term care insurance can cover costs associated with assisted living facilities as well as care provided in the home or in a nursing home . It depends on what the policy covers . Most policies available for sale today are reimbursement but a few are indemnity . Long term care insurance policies that provide indemnity benefits pay a specified amount for each day of covered services regardless of the actual costs incurred by the insured . Long term care insurance policies that provide reimbursement benefits reimburse the insured for costs he or she incurs for covered services up to a daily , weekly or monthly maximum stated by the policy .


Input: Is American Equity Life Insurance Rated?

Output: American Equity is a very good life insurance and annuity company . They have an A - rating with AM Best ; a BBB + with Standards and Poor 's ; and a BBB + rating with Fitch . I have personally placed business with them and have found them to be a very good and strong company with a very good customer service department . I do not believe you would have any worries with American Equity Life Insurance company .


Input: Is American Equity Life Insurance Rated?

Output: Not sure exactly what you mean rated but so I will focus on the Financial side of it . American Equity Life Insurance company is rated A - through AM Best . This is an excellent rating . WEBSITELINK This website is a resource to go to regarding American Equity , their rating and the products they have in there portfolio . This company is very strong with their Annuity portfolio .


Input: Where Should I Buy Health Insurance In New Mexico?

Output: The best place to buy health insurance in New Mexico is from an experienced broker that has a reputable website . It 's important that he/she represent all of the major insurers in New Mexico . The state will partner with the federal government to create the Health Exchange Marketplace . Starting in October of 2013 , an Open Enrollment will allow consumers to purchase individual and family plans without answering medical questions or being denied for coverage . A federal subsidy could also reduce premiums , depending on household income . Are you one of the 21 % of the population that is not currently covered ? As an experienced broker , we 're here to help . You 'll find Exchange policies quite affordable and very comprehensive since so many benefits are now mandated .


Input: How Much Is Health Insurance Without A Job?

Output: The same as it will be if you have a job . Under the affordable care act , you may be able to qualify for a subsidy to reduce your monthly premiums . If you qualify for a subsidy , you will want to look at health plans on the health insurance exchanges - subsidies can not be applied to plans off the exchanges . It 's always helpful to consult with an experienced health insurance broker who can work with you on a personal level to help you determine which plan will be most suitable to your specific needs . I hope the information is helpful - please feel free to contact me for help or if you have any other questions . Thanks very much .


Input: How Much Is Health Insurance Without A Job?

Output: That is a great question ! The Affordable Care act -LRB- Obamacare -RRB- created marketplaces where you can go to shop for a health insurance policy . These marketplaces are also set up to offer subsidies to those who qualify . In a number of cases the cost of a policy offered with subsidies in the marketplace was equal to or less expensive than the employer offered policy . It is wise for you to shop and see for yourself which would be the better option for you . I hope that helps , thanks for asking !


Input: Is Disability Insurance The Same As Long Term Care Insurance?

Output: No these are two totally separate types of insurance plans used to cover totally different needs . Disability insurance can be either long term or short term . Long term disability is used to replace your income for the rest of your working life . It usually has a bit longer elimination period 90-180-360 days before benefits begin to pay . The benefits can pay as long as age 67 when social security benefits start . A short term disability insurance plan pays benefits sooner within days , but only lasts a few months or up to a couple of years . Both disability insurance plans are insuring most peoples most valuable asset , their ability to earn a living . Disability insurance should be purchased when a person starts working for a living . Long term care insurance is meant to cover a person that can no longer care for themselves . The person needs home health care , assisted living or a nursing home . Usually the time to purchase a long term care policy is when a person gets older , typically in their 50s or 60s , but some wait until their 70s . It really depends more upon their health and lifestyle . Just do n't wait until you have been diagnosed with an affliction , then is too late .


Input: Is Disability Insurance The Same As Long Term Care Insurance?

Output: No , Disability insurance is not the same as long term care insurance . Disability insurance replaces part of the income that was lost by becoming disabled . The benefit is based on the Insured 's income . Long term care insurance pays for care received for extended care needs on a reimbursement basis -LRB- where the money goes to the care providers -RRB- or on an indemnity basis -LRB- where the money goes to the insured , who in turn pays the bills -RRB- . The benefit is based on the Insured 's anticipation of long term care expenses in the future in their area .


Input: Can I Put My Sister On My Health Insurance?

Output: In most instances the answer is no . Exceptions can be that your sister is a Minor Child and you have Custodial Responsibility for her . This must be verified by your insurance company in the form of a court document granting those responsibilities to you or guardianship . Another instance is if your sister is an adult 18-25 and she is handicapped or has diminished capacity and a court has appointed you as guardian . Then they can be added as you would a child with your insurance company under the insurance company plan rules you have . In most cases as an adult , we must look to get insurance under our own plans whether through a group plan at work or individual plan or through your State Insurance Exchange .


Input: Can I Deduct Life Insurance On Schedule C?

Output: You can not deduct life insurance premiums at all . That being said , there are opportunities to use whole life insurance -LRB- 49.5 % -RRB- or universal life insurance -LRB- 25 % -RRB- as a portion of your annual contribution into some qualified plans . You need to determine if that portion of your contribution can commit to ongoing premiums before electing to use this tactic .


Input: Does North Dakota Have No Fault Auto Insurance?

Output: North Dakota is considered a No Fault State for personal Injury up to a certain limit for medical expenses . In a no-fault state , each driver 's insurance pays for his or her own injuries up to a certain limit , regardless of who was at fault for the accident . the total necessary medical expenses you incurred because of the accident must exceed $ 2,500 , -- or -- you must have suffered `` serious and permanent disfigurement or disability '' lasting more than 60 days .


Input: Does Aarp Have Group Health Insurance?

Output: AARP is not an insurance company . They are an organization that sells the use of their name and logo to insurance companies . The fine print on the insurance products actually says that the AARP organization does not recommend or endorse the AARP branded insurance products . The insurance products with the AARP logo are often not a great value . But that logo does work because many seniors think of it as a type of Consumer Reports for seniors . It is not . If you study the offerings of the insurance products that use the AARP brand , they do not always compare well . The life insurance with the AARP brand often says that they do not guarantee rates . That is a very important feature that most seniors want and can all easily find with most life insurance products that are marketed to seniors . The Medicare Supplements AARP/United Healthcare are exactly the same plan as offered by many other companies but in many states you will pay less if you shop other brands besides the AARP branded one . Your search should be for good health insurance . Not for a Health insurance company that pays for an AARP logo on their brochure .


Input: What Is Medicare Going To Cost Me?

Output: Most people will receive Medicare Part A at no charge . If you have worked in the Social Security system at least 40 quarters you have prepaid for your Part A coverage . Part B is optional -LRB- but highly recommended -RRB- and current runs $ 105 per month for most people . Your Part B premium is usually deducted from your Social Security check .


Input: What Is Medicare Going To Cost Me?

Output: In California teachers generally are a part of California State Retirement System and are exempt from social security . The result is that they come to retirement often without the necessary quarters to qualify for Medicare . If a person does not qualify for Medicare they must still enroll and they are then billed on a quarterly basis . If such a person desires , the billing can be done through automatic monthly withdrawals .


Input: When Does Medigap Start?

Output: Medicap is the AEP annual open enrollment period for Medicare . This enrollment period begins on October 15th , 2014 and lasts through December 7th , 2014 . People enrolled in Medigap policies may make changes to their current plan during this time . Or , if you are not currently enrolled in a supplemental plan , you may enroll for a Medicap Supplemental policy or a Prescription Drug plan -LRB- PDP -RRB- during the AEP -LRB- annual enrollment period -RRB- .


Input: How Much Is Life Insurance For A 65 Year Old?

Output: Tough question to answer , because just like Larry & David mentioned above , it depends on a variety of factors , like how much you want , how long you want it in place for , your health , etc. . What I 've noticed in my practice is that the desire to have life insurance is strong for baby boomers entering retirement around age 65 , and we are able to creatively find ways to obtain coverage that meets their goals at a reasonable price . But since everyone 's situation is different , it is always wise to speak with a trusted professional in your area to determine if you can find something that works for you !


Input: How Much Is Life Insurance For A 65 Year Old?

Output: For a 65 year old nonsmoking female 10 year term life insurance for $ 100,000 of coverage from a few leading life insurance companies is : super preferred is $ 393 , preferred plus & preferred is $ 505 , standard plus is $ 590 , standard is $ 639 . Permanent guaranteed universal life for the same scenarios above is : super preferred is $ 1,300 , preferred plus & preferred is $ 1,368 , standard plus is $ 1,674 .


Input: How Much Is Life Insurance For A 65 Year Old?

Output: How much is life insurance for someone 65 ? Any type of coverage will seem pricey to a younger person or a person expecting prices not to rise with age . Strangely many people do put off to 65 their purchase of a life policy . What they find is the cost is much higher than they thought . Most 65 year olds are no longer in tip top health so any underwriting discounts provided by good health will disappear , causing pricing to go upward .


Input: How Much Is Life Insurance For A 65 Year Old?

Output: That is going to depend on many factors , the type of policy applied for and the amount of the policy applied for . Please contact a local agent to discuss the level of coverage and the type of policy that you are looking for . Providing a number would only be guessing and I would n't want to give you wrong numbers .


Input: What Factors Affect Homeowners Insurance?

Output: The basic rate is computed by evaluating a standard home . Anything in your home that is different affects your individual premium . Some common considerations include how close is the house to the seashore , a river , or a hillside ? Is the house being properly maintained ? Are there dangerous objects on the property such as derelict cars , trampolines or unfenced swimming pools ? Has the house been the subject of recent claims ? These and other items indicate to an underwriter that this home is different from the standard home .


Input: What Factors Affect Homeowners Insurance?

Output: Talk to your iInsurance Professional about your specific needs , but in general , there are a few basic factors that will affect both coverage and pricing on a Homeowners ' policy . After an accurate address and location , probably the most obvious , is the dwelling coverage amount . This can be determined accurately by completing a Reconstruction Analysis . Once the dwelling amount is established , other factrrs are included namely proximity to a hydrant and fire services , age of the dwelling , additional security elements like alarm systems etc. . Pricing is also affected if you insure your cars with the same company because some nice discounts may apply .


Input: What Factors Affect Homeowners Insurance?

Output: There are many factors that affect the rates for homeowners insurance : Homeowner -LRB- insured -RRB- - The insured 's age , credit rating , loss experience , prior coveragewill affect the premium charged for a homeowners policy . Home location - Location is a very big deal . For example , a home located on the coast will be subject to a much higher premium compared to the same home located far inland due to the increased possibility of loss from wind or storm damage . Likewise , a home located in an area that has excellent fire protection -LRB- very close proximity to a fire station -RRB- will have a lower premium than the same home located in a secluded location very far away from fire protection . Home Construction - A stick-built wood frame home is more expensive to insure than the same valued home constructed of fire-resistive materials due to the increased potential for catastrophic fire loss with the former . Coverage Limits - Obviously a $ 500,000 home will cost more to insure than a similarly located/constructed $ 200,000 home .


Input: Is Glucerna Covered By Medicare?

Output: Glucerna is an over the counter vitamin supplement beverage geared towards diabetics - over the counter items are generally not covered by Medicare nor deemed medically necessary by physicians . It may be helpful to contact Medicare directly to see if they have any unique situations where it would be covered .


Input: Does Health Insurance Cover A Vasectomy?

Output: Some health insurance plans cover a vasectomy . Of course , if it is needed for medical reasons , it will be covered . For birth control reasons -LRB- for lack of a better term -RRB- , coverage can vary . It 's best to check with your current carrier and/or broker and ask them what benefits you have .


Input: What Is The Difference Between Life Insurance And An Annuity?

Output: In general , life insurance pays out the cash proceeds when the insured person passes , while annuities pay out the cash proceeds when the insured person is alive . Some life insurance policies have a cash value that can be borrowed from , but the cash must be paid back to keep the policy intact . An annuity is designed for the purpose of making regular payments to the annuity holder while still alive .


Input: How Does Asthma Affect Life Insurance?

Output: Are you asking because you need to purcahse a life insurance policy for the purpose of meeting a death benefit need ? Can you meet this objective by investing the premiums that you would pay for a life insurance policy in a savings account and therefore you fund your death benefit with having to pay the `` policy costs '' of an insurance company and you do not have to worry about an insurance company dictating terms that are negative to your objectives .


Input: How Does Asthma Affect Life Insurance?

Output: Asthma is a rapidly growing disease in the USA . There is abundant evidence as to the effect of asthma on the longevity of people . Insurance companies can determine mathematically the variation that someone with asthma makes to the normal distribution of mortality . Underwriters take a subjective look at individual cases and make determinations of the effect they expect the asthma to have on the longevity of the customer . They then make an offer of insurance .


Input: How Does Asthma Affect Life Insurance?

Output: If you have very mild or seasonal asthma that does not require daily medication , you can be be rated better than Standard with some companies . If you have well controlled asthma with daily medication , you can most likely expect around a Standard rating , but it depends on the policy , and you could be rated a little better or worse . If you have had an emergency room visit for your asthma within the past year , you could be given a table rating , or even declined by some policies . Contacting an agency that sells a variety of products can help you get with the company and policy that will provide your lowest price for your particular type of asthma .


Input: How Does Asthma Affect Life Insurance?

Output: This really depends upon the company . Some companies will still give you a favorable rate if your asthma is under control . Others may not offer a preferred rate or even surcharge for it . There is no hard and fast answer . The best strategy is to find an agent you trust and give him/her your health history . That will give them the information to be able to find the best place for you .


Input: What Is A Secondary Beneficiary For Life Insurance?

Output: The primary beneficiary named by the policy owner receives life insurance proceeds when the insured dies . It is a good idea to also name a contingent -LRB- back up or secondary -RRB- beneficiary and review the policy every three years with a life insurance professional . Over time things may change e.g. beneficiaries sometimes predecease the insured . If there is no named , living beneficiary of the life insurance policy when the insured dies , and no contingent -LRB- secondary -RRB- beneficiary , the proceeds are paid to the estate . It is not an ideal outcome since this subjects the proceeds to probate which would not have occurred if there was a beneficiary .


Input: What Is A Secondary Beneficiary For Life Insurance?

Output: A secondary beneficiary for life insurance is also called a contingent beneficiary . A secondary beneficiary is not the same as being the second primary beneficiary listed . If there is more than one primary beneficiary , the death benefit is split among the primary beneficiaries . A secondary , or contingent , beneficiary only receives the death benefit if all primary beneficiaries are deceased .


Input: What Health Insurance Covers Gastric Bypass Surgery?

Output: Some group health insurance plans will cover bariatric surgery including bypass and lap band . In a few states individual major medical plans are required by law to cover gastric bypass surgery . If you are morbidly obese and looking for a plan that specifically covers the surgery you may be denied coverage .


Input: If I Contribute To A 401K Can I Still Contribute To A Roth IRA?

Output: That is an excellent question ! Yes , if you can afford to contribute to both accounts , absolutely ! If your employer matches your 401k contribution , you want to keep that company match , it 's free money . If you can keep your contribution level there , and still make your $ 5500 -LRB- $ 6500 if you are 50 + -RRB- contribution to your Roth , great ! If not , you might wantto think about starting off with the 401k account , getting the match , switch to the Roth until it 's maxed , then switch back to the 401k until you reach the max there . Talk to your financial advisor and figure out what will work best for you . If you need help , feel free to contact me , okay ? Thanks for asking !


Input: How Do I Get Disability Insurance?

Output: There are several excellent disability companies to choose from . To understand the selection process and which disability conpany is right for you , you need to use anindependant agent who works with brokerage outlets that represent several disability insurancecompanies . Disability Insurance Services is one such online outlet that can assist you .


Input: Why Should I Set Up A Roth IRA?

Output: The Roth IRA is a retirement savings vehicle . Choosing a Roth IRA over a traditional IRA gives you several clear advantages : 1 -RRB- Your Roth IRA grows tax free . 2 -RRB- During your retirement years you draw tax free income from your Roth IRA account . 3 -RRB- Because you 've already paid taxes on your Roth IRA , it hedges against the possibility of having a tax rate increase , thus causing more taxes to be taken out of your Roth IRA income stream during retirement . Remember , you will most likely have less write-offs when you retire . In retirement , you will have no dependents and could have your mortgage paid off . 4 -RRB- No required minimum distributions -LRB- RMDs -RRB- when you reach 70 1/2 . In retirement , you 'll thank yourself for having the foresight of a tax free income stream while your neighbors face the likelihood of an increased tax bite from their save traditional IRA .


Input: When Should Someone Get Life Insurance?

Output: There are numerous answers to this question . The easiest is if a person has a loved one in their life that would lose financially due to an unexpected death , they need life insurance . If someone counts on your income or would be left owing a bill from a mortgage , car loan , credit cards or funeral expenses , unless the money needed is available in the bank or liquid investment , you need life insurance . The best time to buy life insurance is as young and healthy as possible . be sure and lock in the rate for at least 20 to 30 years if buying term or permanently if buying whole , universal or another type of permanent insurance . We are all getting older and sicker each year , purchasing life while as early in life saves you a lot of money over your life time .


Input: When Should Someone Get Life Insurance?

Output: The best time to have Life Insurance is at the time of death . Unfortunately we do not know when that will be or how it will happen as we look into the future . If you had a crystal ball and knew exactly when and how you are going to die , then you would get the cheapest insurance for the highest death benefit you can afford . So , the question is what will happen to my family if I die tomorrow ? At age 65 or later . If you have children , then your priority is probably with providing coverage until they become the adults you want them to be . Term Life Insurance is a good solution for this type of coverage . If you are older , perhaps it is more of a Final Expense approach or perhaps an Estate Planning coverage with Permanent Life Insurance providing the best solution . Here is the catch : the older we get , the more health history we have , the higher the premiums will be no matter what kind of Life Insurance you get . It is all about planning for now and for the rest of your life .


Input: Does Renters Insurance Cover Plumbing?

Output: Renters insurance works very much like homeowners insurance . If the damage is caused by a covered loss then you are covered , if not then you are not . Every policy is different . To know what coverage and exclusions your policy contains please read it completely or contact your local agent to have them go over it with you .


Input: What Does The Health Insurance Bill Mean To Me?

Output: I assume you are referring to ACA -LRB- affordable care act -RRB- also known as Obamacare . What the law means to you will vary according to your need and income level . Individuals who have previously been denied health insurance due to pre-existing medical conditions will be able to purchase coverage without regard to their medical history . Low income individuals -LRB- as defined by the law -RRB- will be eligible -LRB- at least in some states -RRB- to enroll in Medicaid under an expansion provision . Others who earn less than 400 % of the FPL -LRB- federal poverty level -RRB- may be eligible for premium subsidies but only if they apply for coverage through the health insurance exchange . The numerous changes mandated by Obamacare will result in fewer choices and considerably higher health insurance premiums . This politically charged law has thorns among the roses .


Input: Which Is The Best Term Life Insurance Company?

Output: Yes , there are many great companies , but the choice should be made with some key factors in mind . My personal favorite has been around for 167 years , based in Vermont . It is a mutual company , meaning all profits are returned to the policy holders , lowering the rates . It is National Life Group . Why do I prefer it ? Because they offer , at absolutely no extra charge , and have been doing so for many years , LIVING BENEFITS . Their policies will cover you while your are living , not just when you die . They cover such things as chronic care , catastrophic care , terminal care . You can even go overseas to get experimental treatments to save your life . If you can not work , due to disability , they will also help . You save money by having only one policy and you are reliable coverage from a great company , at a low price . Its best policies are available through their largest brokers , Premier Financial Alliance , PFA . Talk with your local PFA agent . Thank you . GARY LANE .


Input: Which Is The Best Term Life Insurance Company?

Output: There are many great Term Life Insurance companies and no one best one . You can look at the ratings from AM Best , Standard & Poor 's , Moody 's , Fitch , and other rating agencies to see how a company rates against other life insurance companies in terms of financial strength , issuer credit , and debt ratings .


Input: Which Is The Best Term Life Insurance Company?

Output: The absolute best term life insurance policy is the policy in force when you die at the cheapest premium for your unique situation . All in all term life insurance is a commodity meaning they are all pretty much the same . You die and someone receives a big check . Purchase an A rated carrier who has the best rate for your unique situation . Remember nothing is free , that includes life insurance products .


Input: Does Health Insurance Pay For Gastric Bypass Surgery?

Output: It depends on your own particular policy and also on if your doctor is ordering the procedure for medical reasons or if you want the procedure simply for cosmetic reasons . This is exactly they type of information that your health insurance agent is paid the big bucks to help you with . Have him review your coverage with you .


Input: Where To Get Renters Insurance?

Output: That is a great question ! There are many companies that offer renters insurance . You want to look for one that has a good reputation , and the money to back it up . You can look for an independent agent -LRB- one not tied to a brand name -RRB- , and often your complex managers can refer you to a company -LRB- and often a discount ! -RRB- . Good luck , and thanks for asking !


Input: Where To Get Renters Insurance?

Output: A trusted insurance agent is the place to buy renters insurance . The agent will listen to you , provide solid financial advice and communicate clearly with you and the insurance company . The most important step in buying renters insurance is setting the limits . If you underestimate the value of your personal property , you will be greatly disappointed when you suffer a loss . Make sure that the limit you select for liability coverage is as high as you can afford . A lawsuit can certainly ruin your week .


Input: How Can I Get PPO Health Insurance?

Output: PPO is not a type of health insurance . It is an abbreviation for Preferred Provider Organization -LRB- PPO -RRB- which describes the network provider contracting approach associated with whatever health insurance plan you are purchasing . PPO network based health insurance products have dominated the marketplace for many years so it is not unusual for the consumer to blend the two . After January 1 , 2014 you will want to have your health insurance agent check for you , or if you are a `` do it yourselfer `` do someresearching online to determine the type of provider network associated with health plans you may be interested in . The traditional features of PPO plan designs have been to have office visit & prescription copayments , lower deductibles , higher co-insurance levels and lower out-of-pocket financial exposure for using in-network PPO providers while still having coverage for voluntary usage of non-network providers at reduced benefit levels . PPO plans are the dominant network arrangement in the current health insurance marketplace . However , changes brought about by the Affordable Care Act -LRB- ObamaCare -RRB- , are causing insurance carriers to re-design their products and this does extend to the design of their provider networks . This is especially true of the health insurance products sold in the government health insurance marketplaces where the consumer may encounter multiple network or sub-network type provider arrangements in this environment . For instance , here in Tennessee , the BC/BS plan offers essentially the same insurance products with pricing based on your choice of 3 different PPO networks at 3 different price points . The larger the PPO provider network you choose the higher the insurance premium associated with the product . In fact , the smallest of the 3 BC/BS network options is offered only in the government marketplace . So , these are words of caution , there are degrees of difference even within what are technically PPO based products these days . Do n't just assume that a provider is going to be in-network with an insurance carrier based upon your past experience . Verify with both the insurance carrier and the doctor 's office that they are a participating provider . Also , especially in the individual health insurance marketplace starting in 2014 , you will want to be aware of the growing move back to Point-of-Service -LRB- POS -RRB- , Health Maintenance Organization -LRB- HMO -RRB- and Accountable Care Organization -LRB- ACO -RRB- based provider delivery systems associated with a growing number of health insurance products . These other variations on the theme apply more stringent guidelines to provider access in a variety of ways -LRB- reduced network sizes , gate keeper referral arrangements , sharply reduced or no out-of-network coverage -RRB- and introduce entirely new considerations for the consumer .


Input: Who Sells Long Term Disability Insurance?

Output: When looking for disability insurance , you can find a local agent in your area , or you can find a brokerage company online . Although you can sometimes go straight to the carrier , it 's best if you use a broker so that he or she can shop around and provide you with a few different quotes . If you ca n't find an agent or a brokerage that you like , you can contact a company like ours and we 'll put you in touch with a top broker in your area . That way you can have peace of mind knowing that your agent is experienced and trustworthy .


Input: Who Sells Long Term Disability Insurance?

Output: There are a lot of major carriers that sell long term disability insurance . Just to name a few of the larger carriers are Metlife , Assurity , Principal Mutual , The Standard , Illinois Mutual , Guardian and Mass Mutual . I recommend using an experienced independent disability broker that can professionally shop the market as there are a lot of moving parts to buying disability insurance . It is easy for a novice to make a mistake .


Input: Who Sells Long Term Disability Insurance?

Output: Long-term disability policies are sold by many independent brokers and some of the actual insurers themselves . To obtain a free quote , it 's best to contact an experienced broker , provide some basic information regarding your age , health and the type of work you do , and shortly , you will be able to compare the best options .


Input: Does Medicare Cover Sleep Apnea Equipment?

Output: Medicare will cover the cost of renting a CPAP machine if there is a medical necessity . You must have been examined by a doctor , the doctor must have prescribed a sleep study and the study must have been diagnosed with sleep apnea . Your doctor must submit a CMN to Medicare .


Input: Can Ssi Recipients Have Life Insurance?

Output: Yes just about anyone at any age can have life insurance . Depending on which type of insurance , term lifeor whole life , you will most likley would need to provide medical information and have labs drawn . Life insurance comanies reserve the right to accept or decline based on the findings .


Input: Is Humana Medicare Advantage An Hmo?

Output: It depends a lot on what state you are in . Humana does have HMO & PPO Medicare Advantage plans . However , people often confuse what they know about health insurance prior to turning 65 with health insurance after they turn 65 . There are big differences . It is no longer about HMO or PPO . All Medicare Advantage , HMO & PPO are basically in the same category which is a Medicare Advantage plan . It really becomes a question of do you want a Medicare Advantage plan or a Medicare Supplement plan -LRB- Medigap -RRB- ? One of the great features of a Medicare Supplement plan is there is `` no network '' so you can go to any doctor or hospital in any state you want . If they take Medicare they will take the Medicare Supplement regardless of carrier .


Input: Do Medigap Payments Go Directly To The Beneficiary?

Output: Medigap , also known as Medicare Supplement Insurance and Plan F , payments go directly to the service provider . It is best to ask in advance whether your doctor , provider or supplier has accepted assignment . Participating providers have signed an agreement for all Medicare covered services . Participating providers have also agreed to charge you only the Medicare deductible and coinsurance amount and usually wait for Medicare to pay its share before asking you to pay your share . They have to submit your claim directly to Medicare and can not charge you for submitting the claim .


Input: How Much Long Term Health Care Insurance Do I Need?

Output: Most married couples who purchase long term care in their early 60s are opting to purchase the maximum benefit with at least a 3 % inflation rider . The total benefits generally run $ 7,000 a calendar month with max benefits of around $ 400,000 to $ 420,000 for two 60 year old non-smokers on a joint policy .


Input: Where Can I Get Disability Insurance?

Output: You can get Disability Insurance from brokers and agencies that specialize in that product , or you can get it from Life Insurance brokers and agencies that carry Disability Insurance along with their other financial products . You can get it from a local office or from a website that sells it .


Input: Where Can I Get Disability Insurance?

Output: If you 're unable to find a broker in your area , or if you 're just not sure to start , you can visit a disability insurance wholesaler , such as Disability Insurance Services , and they can put you in contact with a trusted broker in your area . That way , you know the agent your working with has extensive DI experience , and is already contracted with numerous carriers , thus being able to provide you with numerous quotes .


Input: Is Restasis Covered By Medicare?

Output: Restasis opthalmic eye drops is a steroid commonly used to treat severe dry eye . This type of dry eye is often -LRB- but not always -RRB- associated with Sjogren 's , an autoimmune disorder . Restasis is a covered medication under some Medicare Part D plans . Check your plan 's formulary . You can reduce your cost with manufacturers coupons , PAP 's and ordering by mail .


Input: How Long Does A Car Insurance Quote Last?

Output: A quote is normally valid for sixty days or less . Insurance companies take rate increases periodically and that might change the price quoted . This doesnt happen very often . If you have a quote it should say on the quote itself the period of time in which the quote is valid .


Input: How Long Does A Car Insurance Quote Last?

Output: That can vary by company and situation of course , but generally speaking , unless something material changes , figure on at least 30 days . Some things that might affect it are a change in address or vehicle , a change in your credit score or a change in your driving record , all of which have consideration when preparing a quote .


Input: Can I Take Out A Life Insurance Policy On My Son Without His Knowledge?

Output: You can not legally take out a life insurance policy on your son without his knowledge , if your son is an adult . The law dictates that adults have the right to know of , and to consent to , life insurance policies out on their lives . But would your son object to you taking out a policy on him ? Accidental death policies do not need any medical requirements , and he could get life insurance that would not require an exam .


Input: Can I Take Out A Life Insurance Policy On My Son Without His Knowledge?

Output: If your son is between dependant age of 0 to 25 years then you may take out the policy without his permission . As he would be dependent on you for support . You will an the policy and be the payor . He would be rated at a preferred rate and guaranteed insurable for when the age of 25 is reached he would would have to own his own policy and would receive it guaranteed . The rate would change for he would need a higher face amount since there is a limit on how much he can be insured as a dependent .


Input: Can I Take Out A Life Insurance Policy On My Son Without His Knowledge?

Output: That is a great question , and a terrible spot to be in . I am going to guess that as these were student loans , that your sons are both well above the age of legal adulthood in your state . If that is the case , then the answer is no , you may not . A term policy to cover the cost of the loan is a good idea , and I 'd suggest that you ask both sons to agree to have policies . If they decide not to , can you look into refinancing the loan and reducing the payments to a point where the son could afford to pay it ? -LRB- Or ease your burden ? -RRB- That may also be an option . If I can help in any way , please do n't hesitate to contact me . Thanks for asking !


Input: Can I Take Out A Life Insurance Policy On My Son Without His Knowledge?

Output: That really depends on how old your son is . Usually , if he is under 15 years old , you can , otherwise a signature is required on the application . Someone answered that question by saying you could do so up until the age of 25 and that is a totally false answer . Has nothing to do with dependent status .


Input: How To Get Auto Insurance Before Buying A Car?

Output: Not quite sure what you mean . Do you mean needing auto insurance for some time until you buy a car , or needing auto insurance right before you buy a car and drive off the lot ? If you 're about to buy a car , all you need is the VIN # of the vehicle before binding a policy . If you mean needing insurance now without owning a car , you will need either a named operator policy or a broad form named driver policy , depending on the state you live in .


Input: How Much Does Humana Health Insurance Cost?

Output: HumanaOne has health insurance plans to meet almost every need and budget . Rates are determined based on your age , gender , zip code , the plan design you pick and your overall health . Some HumanaOne plans for younger individuals can be less than $ 100 per month while older individuals may be $ 400 per month or more .


Input: How Much Does Humana Health Insurance Cost?

Output: The average cost in the country for a health insurance plan is $ 328 per month - however , this is only reflective upon a silver level plan -LRB- not all 2014 state figure averages are available yet -RRB- . While you can try to come up with an `` average '' cost , there 's too many factors that go into premium pricing to say how in relation that compares to you . In short , an `` average '' premium is a rather useless figure to the individual . It 's only representative to a large group - you could have people paying a small nominal amount -LRB- after factoring in subsidies -RRB- per month to several thousand dollars per month . Even for that there 's a ton of information to sift through to get an accurate representation . Under the new Affordable Care Act , you have the options for bronze , silver , gold , and platinum level plans -LRB- as you go up in metal , the price goes up , but provides better benefits -RRB- - some areas also have a catastrophic plan available . In addition , your age is a big factor as well . The younger you are , the cheaper your premium - the older you are , the higher your premium . Also , if you use tobacco products , your premium can be increased up to 50 % as well . You may be able to qualify for a subsidy that can be used to reduce the cost of your health insurance premiums . I always recommend consulting with an experienced broker . We can help you determine the plan that 's going to be most suitable for your needs and budget . Please let me know if I can be of further assistance . Thanks very much .


Input: What Is The Best Kind Of Life Insurance To Purchase?

Output: The best kind of life insurance to purchase is what works best for your particular need . If you have a short term need -LRB- e.g. providing for your children if you were not alive -RRB- , a term policy would give you the most protection for the lowest cost . On the other hand , if you want the life insurance to pay for your funeral , you would want permanent life insurance so that the policy is in effect when you pass . Sometimes buying two policies is most cost effective.A good life insurance agent will help you figure this out .


Input: About How Much Does Renters Insurance Cost?

Output: Carriers often have a minimum limit of coverage for which they will issue a policy . For renters this might be as low as 20,000 or 25,000 dollars of contents coverage and a minimum of say 100,000 in liability coverage . Talk it over with your agent and let him or her know your situation . Keep in mind that carriers often provide a discount to consumers who bundle their auto and home insurance with the same company . In fact it is not uncommon in some of the states we write business in , that the consumer gets enough discount for having the auto policy as well that the savings pays for the bulk of the renters policy . So , shop for the best you can afford and start with your auto insurer or agent who handles your auto coverage .


Input: Can You Cash In Life Insurance?

Output: You can cash in your life insurance if there is any cash value , minus surrender charges and fees . If you want money from your life insurance policy , it might be better to take out a loan on the cash value . If you are unable to pay the premiums any more , it may work to change it to a reduced paid up policy . Permanent , cash value life insurance offers options of which the policy holder is often unaware . Before you cash in your policy and lose the coverage altogether , discuss your options with the agent who sold the policy to you , or call the company through which it was issued . You can even contact another agency you trust to help you with that decision . They are ethically bound to help you keep it if that is in your best interest .


Input: Can You Cash In Life Insurance?

Output: Life insurance is personal property and an asset . The policy owner can cash in the policy . The first consideration is surrender charges . If you cash in your policy , i.e. terminate it , you may pay surrender charges and lose coverage . You also may haven ordinary income tax bill for any gain in the contract . Before you move forward with cashing in your policy , check with the company for all the consequences of surrendering your contract .


Input: Can You Be On Someone Else's Car Insurance?

Output: Great question ! Absolutely ! Very often spouses will be on the same policy , especially if the insurer gives discounts for multiple drivers or bundled policies . Parents can add children also , for example . Beaware that each additional driver will add cost to the policy , and that if they are younger , or have had a less than perfect driving record , that the cost could be fairly high . If you would like more info , please contact me , I 'd be happy to help ! Thanks for asking !


Input: Can You Be On Someone Else's Car Insurance?

Output: You can be listed as a driver on someone else 's auto insurance , they would need to request the addition to their policy . Adding additional drivers can cause an increase in the rate depending on the driving record of the person being added as well as their driving experience , younger less experinced drivers do tend to cause a policy to go up . If you are driving someone else 's vehicle you should look into being added to the policy .


Input: Is Life Insurance Really Necessary?

Output: There are other ways to save up or invest in order to provide funds to those who would suffer financial loss upon your death . However , those funds do not accumulate overnight , whereas life insurance will pay within hours of it going into effect . Also , those funds are always in danger of being depleted for medical bills or other emergencies , whereas Term life insurance only pays out upon death . To me , these are the two most compelling reasons that Life Insurance is really necessary .


Input: What Is Molina Medicare?

Output: Molina Medicare -LRB- Molina Healthcare -RRB- is a company that provides Medicare Advantage plans to persons on Medicare , or are Medicare and Medicaid . They offer healthcare policies in 9 states and work with lower income persons . Molina Healthcare was started by a physician who still serves as head of the company .


Input: How To Insure An Engagement Ring Without Homeowners Insurance?

Output: If you do not have a homeowners or renters policy there are still insurance companies out there that will insure personal articles on a stand alone basis . They would just require an appraisal and the insurance carrier could get you a rate . This type of policy is pretty much only offered through independent agents .


Input: What Will Happen To Medicare Advantage Plans?

Output: That is an excellent question ! According to the latest that I have read , The cuts that the Affordable Care Act -LRB- Obamacare -RRB- have mandated are not expected to affect the services provided in any significant way . The cuts are being made in inflated overhead costs , and in benefits paid to health providers who have high rates of return patients . -LRB- ones who were not well when released , or who picked up infections from their hospital stay , most commonly -RRB- . There undoubtedly will be some providers who will close shop , as they will see significant cuts if they are inefficient , or ineffective in the treatment they provide , and some that were being fraudulent to begin with . Overall , the consensus seems to be that no services will be greatly affected , that billing procedures will be streamlined and improved , and that patients will receive better care . Thanks for asking !


Input: Will Medicare Pay For Xopenex?

Output: Xopenex is a trade -LRB- brand -RRB- name for Levosalbutamol or levalbuterol . Covered by Medicare Part B if self administered and Part D if beneficiary resides in a long term care facility .


Input: Does Homeowners Insurance Cover A Lost Diamond?

Output: If the jewelry is a scheduled item it would cover it in most cases . Scheduling an item means that it is specifically listed on the policy for an appraised amount . If you own expensive items it is always best to get them appraised and scheduled . Jewelry is covered under a homeowners policy for specific perils , but only up to an aggregate limit . Check with your agent and have him review your coverage with you .


Input: Does Homeowners Insurance Cover A Lost Diamond?

Output: Loss is not a covered peril of a homeowners policy . To cover loss an item should be scheduled on either on a homeowners policy or aseparatepolicy can be purchased . This type of coverage could pick up a loss under the coverage mysterious disappearance . I recommend anyone with jewelry in value over $ 1,500 to consult their agent .


Input: Does Homeowners Insurance Cover A Lost Diamond?

Output: Lost diamond is not generally covered on a homeowners policy . To cover lost diamond on a home owners policy it has to be schedule . Scheduling an items means that the item has to identified by name and assigned its worth by a dollar amount . Just like fur coat and other expensive items are not covered , diamond is not covered .


Input: Is Vandalism Covered Under Car Insurance?

Output: If you have other than collision or comprehensive coverage then you will typically have coverage for vandalism up to the policy limits and possibly less the policy deductible . Remember every policy is different . Please read your policy completely to understand the coverage provided and any exclusions that there may be or contact your local agent to have them go over the policy with you .


Input: Is Vandalism Covered Under Car Insurance?

Output: Vandalism is generally a covered peril under the Comprehensive portion of your physical damage coverage . Any such loss would of course be subject to your policy deductible and in most cases , an insurance company will be looking for a police report to support the claim investigation process . Your Insurance Professional will be able to explain your policy coverage in detail .


Input: How To Prepare For Life Insurance Medical Exam?

Output: This seems to be a common question as I have answered this once today already . It is important to know what the medical exam will entail . Is there going to be blood or urine needed ? Are medical questions going to be asked ? Is a resting EKG needed ? I always recommend getting this completed first think in the morning before you eat breakfast or have a lite breakfast prior . That is what we call a fasting blood and urine so all the excess junk has time to filter through your body . In other words , do not eat a juicy burger and then have your blood & urine sample taken as the results will be off . Know your medical history and what doctors you have seen as well as their addresses in case the insurance company wants to get more information which is likely . Relax for the blood pressure readings which generally will be taken 3 times and you should be relaxed for the resting EKG if needed .


Input: How To Prepare For Life Insurance Medical Exam?

Output: To prepare for your life insurance exam , I agree with Matt 's advice . In addition , drink lots of water ahead of time , and try to avoid extremes -LRB- e.g. do n't overeat , overdrink , overexercise , or hang around heavy smokers -RRB- the day before your exam . If you do n't feel well , put off your exam , especially if you have diabetes , MS or other health conditions that can be exasperated by having a bug . Finally , be prepared to answer health questions that you may have answered before . Asking the same question more than once helps convince insurance companies that the information is correct .


Input: What Is Creditor Placed Homeowners Insurance?

Output: This is also known as Forced Place Homeowner Insurance > The product comes into use when a mortgagor does not get a valid insurance policy at closing or any time after that from the homeowner . Since a Bank is getting the coverage 1 -RRB- they do n't care what it costs , not 2 -RRB- nor do thee y care about insuring your contents etc. . As soon as this happens to you pick up the phone and call us at 1-866-933-0374 if you are in AZ , CA , TX , MO , or GA otherwise get professional help from an independent and get in your area .


Input: How Secure Are Annuities?

Output: Annuities , either fixed or variable can be a good choice for providing retirement income for some of us , depending on particular situations . The major security concern relative to annuities is the financial strength of the insurance company that you choose or have chosen . You often hear the term `` guaranteed income '' associated with annuity advertising and marketing . However , if the insurance company that holds your annuity money goes bankrupt , you could lose some or all of your hard-earned retirement money . Some States have funds that can help reimburse some of the many policyholder losses in such failure situations . Also , the Feds can step-in , as we found out several years ago but there is no guarantee that will happen . So , insurance company failure is a very real concern , particularly with regard to annuities , although bankruptcy not very likely with regard to the most financially secure companies . The bottom line is that you have to feel very comfortable that your annuity money will be there when and how you are scheduled to receive it . Stay with the strongest companies financially . Ask for documentation of financial strength and ask a lot of other questions . Be as comfortable as possible with the carrier who is going to be controlling your hard-earned money .


Input: How Secure Are Annuities?

Output: Tax deferred annuities are as secure as the policy language defines . And the policy is only as good as the insurance company that issues it . So its important to review the ratings of an insurance company , their financial balance sheet and a brokerage annuity spreadsheet to determine the best tax deferred or immediate annuity available .


Input: Much Does It Cost To Go To The ER Without Health Insurance?

Output: Retail Costs : Urgent Care and Labs $ 217 ER Visit $ 1115 Drugs -LRB- steroid -RRB- $ 28 Radiology -LRB- chest X-ray -RRB- $ 152 Radiologist -LRB- to read chest X-ray -RRB- $ 54 Respiratory -LRB- nebulizer -RRB- $ 92 Take home prescriptions $ 76.06 -LRB- $ 45 was for the eye drop that I didnt have a sample of , darn ! -RRB- Total cost to be sick : $ 1734.06 Now , even though we have a high deductible and everything applies to that , I dont have to pay this cost out of pocket . Because the providers we used accept assignment , our insurance company sets a cap on how much they will pay for a service . Because of that , we get a discounted rate , which lowers the cost to $ 1308.51 , almost a 25 % discount . Whether you agree or not , those are the rules . Since we will pay with HSA money , this will also save about another $ 327 in taxes . If you have to pay any out of pocket costs for health care services or medicines , I strongly suggest looking into this type plan . What if You Dont Have Insurance ? If you dont have insurance , you could be looking at full price . I know for a fact that our hospital offers a 30 % discount if you pay all at once with a cash or a check . They also set up payment plans , but you lose the discount and get a penalty if you miss a payment . Not all hospitals will work with patients , so you could be forced to use credit or get sent to collections if you cant pay . This amount is not likely to bankrupt anyone , but what if my daughter had been admitted for pneumonia or something worse ? I think going without health insurance is just too much of a risk . Finally , it really makes me mad when I have to admit that I thought about costs and money before taking my sick kid to the emergency room . Honestly , I would have probably done the same thing , even if I knew it would have been $ 5000 or $ 10,000 , but how many people have to weigh getting needed health care with how much money they have in the bank ? I dont have an answer , but Im repeatedly reminded about the crazy cost of health care in the US , and right now , Id rather my tax dollars go toward some sort of solution rather than funding things that do me no good .


Input: Does Home Insurance Cover Tree Roots?

Output: Homeowners insurance does not cover tree roots . There is nocoveragefor removal and no coverage for damage caused by tree roots . Damage to your dwelling must be sudden and accidental . Tree roots cause problems over a long period of time and in most cases the problem is evident way before it becomes a big issue . A tree is nothing more then a plant that should be maintained by the homeowner . I suggest discussion the specific details of the tree root problem with your local agent .


Input: How Long Can I Be On My Parent's Auto Insurance?

Output: There are only two things that might prevent you from staying on your parent 's auto policy ; 1 -RRB- If you obtain a car of your own and register it in your name , then in most states , you will have to purchase and maintain your own auto insurance policy 2 -RRB- your parents decide it is time for you to be on your own and responsible for your own car and insurance .


Input: Which Employers Must Provide Health Insurance?

Output: Employers employing 50 or more full time equivalent employees -LRB- FTEs -RRB- must provide a qualified health plan for at least 95 % of those employees or a tax of $ 2000 per employee per year -LRB- after thirty employees -RRB- will be levied on that employer . The tax is not tax deductible . This is a complicated law and there are additional requirements to consider .


Input: How Can I Borrow From My Retirement Plan?

Output: How much can I borrow from my retirement plan ? Now if I could flick your ear like your dad used to do , I would say `` why would you want to ? '' Just because a loan provision can be included within your plan , it does n't mean you should exhaust EVERY other possibility first . Borrowing from your retirement plan is far and away the last possible choice to make . That said ... The limits for loans can be set by your plan . Borrowing provisions can be set up by your plan . Payback interest rate is set up by your plan . Your plan advisory board will decide if a loan request has merits . Usually the money you take from your plan is no longer participating in plan returns , so if you 're investment is earning 10 % and your loan payback provision is 4 % , you 're making 4 % on your money . If you get laid off or quit your job , your loan from your retirement plan is `` called '' immediately . Failure to pay it back when called results in a `` premature distribution '' which makes your `` loan '' income , along with a penalty , so your income taxes could change considerably . Try to remember just because a feature is available , does n't mean you should use it .


Input: Can Type 1 Diabetics Get Life Insurance?

Output: People that are classified as Type 1 Diabetics can get life insurance . There are many factors that contribute to qualifying for coverage . There are life insurances companies that are also more benevolent in their underwriting protocols and premium pricing than the standard market . Health history and current medical conditional are critical components to an underwriting offer .


Input: Can Type 1 Diabetics Get Life Insurance?

Output: Yes , type 1 diabetics can get life insurance , and sometimes a person with type 1 diabetes will have an easier time finding affordable coverage than a person with poorly controlled type 2 diabetes . With good control and no side effects , type 1 diabetes life insurance can be issued in a policy that pays 100 % from day one and has no limit on the face amount .


Input: What Happens When You Cancel Life Insurance?

Output: When you cancel life insurance : 1 -RRB- With TERM insurance , there is no penalty and you lose no cash value , because there was not any cash value to start with . 2 -RRB- With PERMANENT insurance , you may take the cash value , minus surrender charges and fees , if any . If you do not have enough cash value to cover the fees , you owe nothing and receive nothing . The cash value may be taxable . There are other options than cancelling a policy if you can no longer afford it . You may be able to reduce the face amount , turn the policy into a reduced paid up policy , roll the cash value over into a new policy , or other options . Because at the end of the day , if you cancel your life insurance , you no longer have that protection . So consult with someone to find out your best choice in making that decision .


Input: What Happens When You Cancel Life Insurance?

Output: What happens when you cancel life insurance ? You end your coverage on the date you provide . Any cash values or unused premium in your policy will be returned to you . With term insurance any unused premium will be refunded . Cancelation should be done in writing as cancelation often requires a signed document .


Input: Much Money Does A Health Insurance Agent Make?

Output: Interesting question , well the amount that a health agent makes depends on many factors . We are paid percentages on some plans and a set amount on others , IN addition some plans offer advancing and some do n't . There is really no way to calculate what the pay actually is .