Input: Who Should Own My Life Insurance Policy?

Output: As an adult you should own your own insurance policy . The owner has the right to borrow , cancel and change the beneficiary . Under certain conditions it makes sense for someone else to be the owner of the policy including -LRB- 1 -RRB- policies on dependent children should be owned by their parents -LRB- 2 -RRB- policies purchased by a corproation to cover one of their employees under key man insurance -LRB- 3 -RRB- policies on grown children who are not mentally capable of making financial decisions . Typically the owner is the person who is financially responsible for the premium payments and would face financial challenges in the event of the insured 's death .


Input: Does Auto Insurance Cover Transmission Repair?

Output: It depends upon why your transmission needed to be repaired . A motor vehicle warranty and extended warranties cover material defects and mechanical breakdowns . The warranty may be limited by time and mileage . Auto insurance covers vehicle repairs resulting from accidents . Collision covers damages resulting from accidents while you are driving the vehicle . Comprehensive coverage pays for damages caused by external forces : flood , tree falling on car , etc. . Your auto policy may or may not have these optional coverage features .


Input: Does Auto Insurance Cover Transmission Repair?

Output: Your auto insurance will not cover a transmission repair that is not created through a covered incident , such as an accident and you had collision coverage on your vehicle if you were at fault or if you were not at fault under the liability coverage of the person deemed responsible . There are auto repair policies out there but there are none that are part of a regular auto insurance policy that I am aware of . To find out what coverage is available in your area , call your local agent .


Input: Does Auto Insurance Cover Transmission Repair?

Output: Unless the transmission repairs needed were caused from acoveredloss such ascollisionor comprehensive loss such as a theft there would be no coverage . Wear and tear and or breakdown are not perils of an auto insurance policy . Aseparatewarranty would be your option if such an option is available for your vehicle .


Input: What Is Typical Renters Insurance?

Output: A typical renters insurance policy will provide some personal liability and personal property coverage for the insured and the insured 's immediate family that reside at the same premise as the insured . Remember every policy is different . Please read your policy completely to understand the coverage provided and any exclusions that there may be or contact your local agent to have them go over the policy with you .


Input: Can I Be Forced To Get Renters Insurance?

Output: There are no laws that I am aware of that require Renters Insurance . Your landlord , however , has the legal right to require that you carry Renters Insurance as a condition of the lease , since he owns the property . If the insurance is required in the lease and you fail to comply then the landlord has the right to evict you for breach of contract .


Input: Is Long Term Care Insurance Right For Me?

Output: If you are either very rich or very poor , long-term care insurance is probably not for you . The very rich can afford to pay for their own care . The very poor will not be able to afford the premiums and can use Medicaid for their care . For everyone else in between , long term care insurance is a must . 70 % of folks 65 years old and older can expect to need some kind of long-term care in their lives . And the cost of the coverage is much less than the annual semi-private room in a nursing home in Illinois cost of over $ 62,000 or homemaker services of over $ 40,000 .


Input: Is Long Term Care Insurance Right For Me?

Output: If you play the morbidity odds of geriatric living , youll need long term care insurance . If you generated extended care expenses that you can not financially cover , you need long term care insurance . If you have family history that has reoccurring nursing home care or home care assistance , you may need long term care insurance .


Input: Who Is The Best For Auto Insurance?

Output: I would need to know what you mean by best . If you mean best when it comes to service and claims handling my top two -LRB- personal opinion from experience -RRB- would be Travelers and Hartford . If you mean best by pricing , well since no one company has the best rates at any given time , I as an agent would gather your information and run the rates with many carriers to see who has the best premium . Most people shopping insurance rarely consider the service and claims and usually just look for cheap assuming all companies are the same . So not true .


Input: How To Make A Disability Insurance Claim?

Output: There are five basic steps needed to file a disability insurance claim . One - contact the insurance company that issued the policy , and obtain their claim form . Two - complete the section asking for identifying information -LRB- name , address , SSN , policy number -RRB- , and sign the form . Three - have your doctor state the medical reason you are unable to work , and sign the form . Four - have your employer verify that you are no longer working , and sign the form . Five - return the completed form to the insurance carrier .


Input: How Much To Invest In Annuities?

Output: There are reasons savers and investors purchase annuities , i.e. they 're in a high tax bracket , they like principle safety of guaranteed interest rates and indexed annuities . Some investors like market driven separate sub accounts found in variable annuities . Many savers and investors diversify and allocate their monies between 10 to 12 products or investments . But annuities become a greater percentage of the portfolio as retirement closes in on seniors .


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

Output: The cost of a nursing home is between $ 6000 and $ 7000 per month . Assisted Living costs will run you between $ 3500 and $ 4500 per month . Home Health Care is about $ 15 to $ 20 per hour . Do you really want to have to use your assets and lose your legacy ? As you can see it can happen very quickly . To help determine the amount of Long Term Care Insurance you need depends on a lot of factors . It is best to sit down with a professional well versed in Long Term Care and determine the amount that you need based on your individual situation .


Input: Why Is My Health Insurance Going Up?

Output: Rates can go up because of claims in your area , or the insurer 's perception that those claims will be increasing in number or size . Many people qualify for subsidized premiums under the Affordable care Act . Check out WEBSITELINK or call them at 1-800-318-2596 . Although some areas have seen rates increase , nationwide we are in the fourth year of the lowest health insurance premium increases in 50 years . This reduction in increase is attributable to the Affordable Care act . Most specifically because many people who were previously un-insured will now be paying into the system , instead of having their cost of care shifted to those who do have insurance . I suggest a High Deductible Health Plan with a Health Savings Account . It can help you out on premiums when you are healthy and you set a little aside every year for when you do have an unfortunate medical event .


Input: Why Is My Health Insurance Going Up?

Output: Your health insurance premium is based on many factors , including your age , zip code and type of coverage . Under the Affordable Care Act , although there are no medical questions , premiums can increase each year -LRB- and will -RRB- since many more claims may be paid out by insurers . However , your federal subsidy may reduce your premium , if you qualify .


Input: What Kind Of Life Insurance Does Dave Ramsey Recommend?

Output: Dave Ramsey recommends term life insurance . Dave is a buy term and invest the difference proponent . He believes in eliminating all debt and that over the years your investment in the stock marketing will accumulate enough money to fund a retirement account debt free . So , the need for permanent life insurance is unnecessary .


Input: Who Needs Medigap Insurance?

Output: Unless you are one of the fortunate few that has enough money to pay all the medical bills you may ever incur , or you are someone that refuses to use traditional medicine under any circumstance , it is highly recommended that everyone on Medicare purchase a Medigap plan . If you do not have the money within your budget to do so , then I suggest looking at a Medicare Advantage plan , Advantage plans can often be found at no cost . The must provide at least as much coverage as Original Medicare , and most all Advantage plans offer additional coverage not offered by Medicare . It 's not the same level of coverage as Medigap provides , but for those that can not afford Medigap , an Advantage plan can be a great alternative .


Input: What If Life Insurance Beneficiary Dies?

Output: When the primary beneficiary predeceases the insured of the life insurance policy , then the contingent beneficiary would receive the proceeds upon the insured 's death -LRB- you can also set up a tertiary beneficiary in the event both the primary and contingent beneficiaries predecease the insured , although this is not usually done on most policies -RRB- . In the event that all beneficiaries die before the insured , then the proceeds would be paid out to the insured 's estate . To avoid the proceeds being paid to the estate , many individuals set up a life insurance trust -LRB- revocable or irrevocable -RRB- to control how the proceeds are distributed and to keep it out of the calculation of the estate .


Input: What If Life Insurance Beneficiary Dies?

Output: If the beneficiary dies , the owner of the policy can change the beneficiary . Many policies contain provisions about the beneficiary dying simultaneously with the insured , these need special consideration . If the beneficiary dies and the policy isnt altered , the contingent beneficiary will receive the proceeds . If there isnt a contingent beneficiary the proceeds will be probated .


Input: What If Life Insurance Beneficiary Dies?

Output: If the primary beneficiary dies before the policy owner dies , the contingent beneficiary would be the next in line for benefits . If the policy owner is well , he or she would simply call the insurance company and request a `` change of beneficiary '' form and rename a new primary beneficiary . If it is the contingent who becomes primary then the owner would rename a new contingent beneficiary .


Input: What If Life Insurance Beneficiary Dies?

Output: If you are the owner of a life insurance policy and your beneficiary has died , you should contact the insurance company to make a new primary beneficiary for your policy . It is a good idea to keep policy beneficiaries up to date so that your death benefit goes to the person and purpose for which you took out your policy .


Input: Will My Health Insurance Cover Oral Surgery?

Output: Hello , normally health plans will give you the option to add dental coverage when you first enroll . If opted for dental at that point , you should have it . Typically , it does cost more . So if you have dental insurance , it will depend upon the benefits you have under the dental plan . If you call the number on the back of your insurance card , they should be able to help you determine if you have dental coverage and if you do , what your dental benefits are .


Input: What Is The Difference Between Medicare A And Medicare B?

Output: There are three basic parts of Medicare . Medicare part A covers Hospital charges such as room and board and other charges while you are in the hospital . You will have a deductible of around $ 1200 under part A , this changes each year so I am just giving a ball park Medicare Part B covers doctors visits and outpatient charges such as lab work or outpatient surgery . With Medicare part B you are responsible for 20 % of the Medicare approved charges plus in some states doctors may charge an additional 15 % of what is called excess charges . Part D is your prescription drug plan .


Input: What Is The Difference Between Medicare A And Medicare B?

Output: Medicare Part A covers most hospital INPATIENT charges . The operative word here is inpatient . The hospital ER -LRB- emergency room -RRB- is considered outpatient , even though it is physically attached to the hospital . If you are `` admitted '' for observation this is also an outpatient procedure , even if you are in observation for more than 24 hours . Outpatient expenses are covered under Medicare Part B.


Input: What Is The Difference Between Medicare A And Medicare B?

Output: Medicare Part A is your hospital coverage . You have a per benefit period -LRB- per admission -RRB- deductible of $ 1184 -LRB- 2013 -RRB- before Medicare pays their portion . Medicare Part B is your doctor and outpatient coverage . Part B has an annual deductible of $ 147 -LRB- 2013 -RRB- and then Medicare pays 80 % of the approved amount , you are responsible for the balance .


Input: What Is The Best Reason To Purchase Life Insurance Rather Than Annuities?

Output: There are many reasons to buy annuities , but there are also many reasons to buy life insurance . Many people should purchase both . With life insurance , you gain an instant legacy . After that first premium is paid , should you die , your heirs have an instant estate . You leverage the risk onto the insurance company . By paying perhaps $ 200 your family may gain a payment of $ 250,000 shortly thereafter . No annuity can do that . Thank you . GARY LANE .


Input: What Is The Best Reason To Purchase Life Insurance Rather Than Annuities?

Output: Life insurance is a product that gives your survivors a benefit if you die too soon . So , while life insurance can be used for cash value and retirement income and other things , life insurance is usually a way of generating cash for your survivors . Annuities are a way of allocating your funds so that you have income for the rest of your life . Again , annuities can be used for estate planning and other reasons , but annuities usually are a way of distributing your own money back to you with interest . Based on those very simplistic explanations , the best reason for purchasing life insurance rather than annuities would be to provide for your loved ones if you do not have much saved up .


Input: What Kind Insurance Do Need If I Have A Rental Home?

Output: For a rental property you will need a Dwelling Fire Policy commonly known as a Landlord Policy . This type of policy will protect the owners dwelling , other structures any personal property if chosen . Also Personal Liability -LRB- which may be called business liability on some polices -RRB- , guest medical and Loss of Rents . Some policies will also include Personal Injury and wrongful eviction which in my opinion are essential . Talk to your local agent about your specific needs . Also keep in mind your tenants property is not covered by a Landlord policy nor is the tenants liability . As a landlord I highly recommend you require your tenants to maintain renters insurance and list you as an additional insured .


Input: Can You Get Disability Insurance After 65?

Output: Most individual disability insurance polices end at age 65 . But if you need disability coverage beyond that , you should consider Lloyd 's of London . Lloyd 's has a reputation of insuring specialty coverage like disability insurance for older ages , i.e. beyond age 65 . The premium may be pricey , but some senior executive benefits demand coverage as part of their employment .


Input: How Much Life Insurance Should You Get?

Output: If your family , business partners or charities depend on your ability to generate income , then you need life insurance . To determine the amount of life insurance you should have , youll need to collect some important information : total debt , all future obligations , any charitable intent and total projected income to retirement . Total debt includes your mortgage , credit card debt , student and auto loans . Future obligations include your childrens education , weddings and retirement . Charitable intent includes making a difference with your children , grandchildren and charities . But perhaps the most overlooked item is your human value , the ability to earn income over your working life . Providing an income stream for survivors is a critical component after debts have been settled , future obligations secured and benevolent giving in place .


Input: How Much Is Halifax Life Insurance?

Output: The insurance professionals on this site are licensed in the US and will be unable to comment on this life insurance company which appears to be licensed to do business in the UK . You should contact the FSA or their website or call local insurance agencies who represent Halifax Life Insurance company for more information .


Input: Is it possible to get renters insurance backdated to the 1st of the month for landlord purposes only?

Output: This is when you need an agent to help you . If you have been shopping carriers for the lowest price and have been jumping around to different carriers over the years , there is no loyalty or trust built up with your current company and underwriter . This is a big exception for an underwriter to make so they take a great deal of factors into consideration when making their decision . Typically insurance companies and their underwriters are not keen on backdating policies . You would have to get with your agent to discuss if they are willing to go to the underwriter to ask for the exception to the rule . If they weer to allow it you would have to sign a certification that there were no losses in the time frame between coverage beginning and the date you actually purchased the policy .


Input: Is it possible to get renters insurance backdated to the 1st of the month for landlord purposes only?

Output: Backdating an effective date means coverage was effective from that date forward and as a common practice , it is prohibited by carriers . There are controlled situations where they may permit backdating . One is where there is a `` statement of no loss '' but it is risky business for the carrier if you are a new customer . We accept a `` statement of no loss '' when reinstating coverage but only with the permission of the carrier and the form is their requirement not ours . If an agency is willing to backdate without the carrier he/she has probably violated carrier rules and/or state law .


Input: Is it possible to get renters insurance backdated to the 1st of the month for landlord purposes only?

Output: Insurance companies occasionally back date insurance policies for a variety of reasons . The first concern is to assure that company that all potential losses for the period of time have been fully considered . The second is to show the company that the individual involved is an important client and that such a back-dating is a good business decision .


Input: Does Child Support Cover Auto Insurance?

Output: Child support and auto insurance are mutually exclusive . That means that one has nothing to do with the other . If you are asking if child support can be used to pay for auto insurance , that is going to depend on your state laws , and your divorce decree . If have any restriction set forth by your state laws or your divorce decree then you would be bound by them .


Input: How Do Annuities Get Taxed?

Output: Annuities that generate a gain , cash values beyond the original basis or contributions are taxed as ordinary income tax rates of the owner of the annuity . Although an annuity can bypass probate , it may be subject to federal or state of residence estate tax depending on the size of the estate .


Input: Why Should I Get Life Insurance For My Baby?

Output: Some advisers suggest that securing coverage when your child is young and healthy can lock in coverage for the future . Others suggest using permanent cash value life insurance for college funding , even long term retirement savings . But keep in mind most carriers take a dim view of parents applying for life insurance on their children without meaningful coverage on themselves .


Input: Why Should I Get Life Insurance For My Baby?

Output: Getting life insurance for your baby will ensure that your young adult child is able to have life insurance . You can either purchase a Whole Life policy for your baby , or else add your baby to your policy on a child rider . You can cover all children with one child rider at a very low price . If death would occur , it would pay the benefit . But also , it allows each child to convert that rider to a permanent policy when they become adults , whether or not they are able to be insured for medical reasons .


Input: Is Hartford Auto Insurance Good?

Output: In my personal opinion Hartford auto insurance is great . Hartford has some of the broadest coverage 's on the market and are top in service and claims handling . I am an independent agent who represents multiple insurance companies and I have my own personal auto and home with The Hartford .


Input: What A Tax Deferred Retirement Plan?

Output: A tax deferred retirement plan simple means that the retirement program , such as an annuity is tax deferred -LRB- or not taxable -RRB- until you take it out . Usually when you begin taking withdrawals from your annuity your income bracket is lower than when you were working , making a tax deferred annuity an attractive way to set up your retirement plan and guarantee a lifetime income .


Input: How Do I Find The Best Health Insurance For Me?

Output: There are many ways to find , compare and purchase health insurance . You can contact a carrier direct , go online and conduct a search or talk with an insurance agent . You will get more useful information by discussing your needs with a local health insurance agent that represents several carriers and is familiar with plans in your area .


Input: What Is Safe Harbor Retirement Plan?

Output: A Safe Harbor 401 -LRB- k -RRB- plan generally satisfies the non-discrimination rules for elective deferrals and employer matching contributions . For a 401 -LRB- k -RRB- plan to be considered a Safe Harbor plan , employers must satisfy certain contribution , vesting , and notice requirements . So , let 's say you have 25 employees , but only a third of them choose to put money into the plan . There 's a formula that limits the amount you can personally contribute to a traditional , non-Safe Harbor plan . Under a Safe Harbor401 -LRB- k -RRB- , if you 're willing to make a minimum contribution on behalf of your employees , you 'll be able to maximize your own personal contributions to the plan .


Input: Can Illegal Aliens Get Medicare?

Output: In order to get Medicare you have to have paid into the system over a period of time . That is what the FICA taxes are on your pay stub . Since an illegal alien has not paid into the system he would not be able to get Medicare in most cases .


Input: Who Regulates Life Insurance In Arizona?

Output: The Arizona Department of Insurance regulates life insurance in Arizona . They do not do so on a policy by policy basis , but by establishing and enforcing policy provisions such as grace periods , free look periods , exam requirements , and death benefit processing . The Director of Insurance for the AZ Dept of Insurance at this time is Germaine Marks .


Input: Who Regulates Life Insurance In Arizona?

Output: Each state has a state insurance commissioner . The state insurance commissioner has several ways in which he or she can regulate a life insurance company . The most important thing that they do is regularly check the financial capability of the admitted companies to keep their promises . The commissioner is also the person that licenses agents to sell life insurance in their state .


Input: When Is It Too Late To Plan For Retirement?

Output: Procrastination has economic ramifications . But saving something is better than nothing . Here 's a few thoughts that can help if you start today.You need to plan on working until you are age 70 and not taking distributions of Social Security or any qualified retirement plans you use now . Social Security distributions are maximized at age 70 and qualified plans require minimum distributions at 70 1/2 . So age 70 is the new retirement benchmark , especially if you 're late to the game .


Input: When Is It Too Late To Plan For Retirement?

Output: It is cliche to say that you should start as early as possible . It could be mathematically too late to save for retirement depending on your goals - you may have to delay . It is never to late to plan for retirement though . Decide what retirement success looks like for you and then allocate your resource to make it happen . If you would like to work with a local Retirement Planner , you could start with a Google search . For example , if you search for : retirement planner Halifax or retirement planning Halifax , my name , along with several others , will come up . You can use the same method to find Retirement Planners in your community . If you have further questions , or feel that I could be of assistance , please do not hesitate to contact me .


Input: How Does Medigap Differ From Medicare Advantage?

Output: Medigap plans do not have a network which means you can go to any doctor or hospital that takes Medicare . In addition , there is no coinsurance or large max out of pocket dollar amounts to worry about . Medigap plans are not allowed to change their benefits ever . This means you could keep Plan F or Plan G for as long as you live if you like . With Medicare Advantage none of that is the case . The max out of pocket can be as high as $ 6,700 per year . The network constantly changes . The best thing to do is work with an independent agent to explain all of your options .


Input: Can I Sign Over A Life Insurance Check?

Output: Assuming you mean life insurance proceeds from the death of the policy insured , the beneficiaries have the right to do whatever they desire with the check . If they want to sign it over , they could do that . Whatever the motivation to sign over the proceeds , most advisers would recommend depositing it into your checking account and writing checks from there .


Input: Can I Cancel Renters Insurance At Any Time?

Output: It varies between states and insurance companies . Most companies will have either a `` minimum earned premium '' or short-rate cancellation procedure , where you are charged a fee if you cancel early on in the policy term . The documents you signed when starting the policy should detail any early termination charges .


Input: Does Homeowners Insurance Cover Stolen Atvs?

Output: Typically not . Motorized lawn and garden tools are covered , but motorized vehicles for either road or off road use are not . ATV 's , motorcycles , boats and PWC 's and RV 's should be covered under a separate policy . These policies are readily available and offer special coverages that are not typically offered in automobile policies , for example . Replacement guarantees , custom detailing , riding gear and so on in many cases are included . Some companies offer multi policy discounts so it is wise to shop around .


Input: Who Qualifies For Medicare And Medicaid?

Output: People who qualify for free Medicare Part A are persons who have paid Medicare taxes through their employment for at least 10 years , and are age 65 . Those who are in the US legally , but have not paid into Medicare that long , can pay a premium for Part A. Medicare is also available to some persons with Lou Gehrig 's Disease or End State Renal Disease . And people who have been on Social Security Disability for two years can get Medicare . Medicaid is for persons with low income and very few assets . So the guidelines to get Medicaid are completely different than Medicare .


Input: Why Carry Renter's Insurance?

Output: Renter 's insurance is important for two reasons . First , it covers your personal property -LRB- furniture , tv , audio system , clothes , dishes , etc -RRB- against loss . Second , it provides liability coverage . Let 's suppose you were cooking and a fire began because your attention was directed away . The fire that caused the damage was your fault , because you were negligent . The damage to the home or apartment you were renting may be more than what everything you own . In a recent case where the tenant did not have renter 's insurance , the cost of the damageswas recovered by garnishing the tenant 's wages by 30 % until the entire cost of the damages was recovered .


Input: Why Carry Renter's Insurance?

Output: Great question ! The purpose of renters insurance is to protect you , in the event that your belongings are damaged , destroyed , or stolen . Let 's say your apartment catches on fire . The landlords insurance pays for the building your apartment is in , and your renters insurance pays for your things inside the apartment when it was destroyed . Without the renters insurance , you are at a loss to replace those things , as the landlords insurance wo n't . It is a good thing to have , especially if you do not have the money to start all over replacing everything that you had owned . If you have more questions , I 'll be happy to help , feel free to contact me . Thanks for asking !


Input: How Old Do You Have To Be To Sign Up For Medicare?

Output: You have to be age 65 to sign up for Medicare , unless you have end stage renal disease or Lou Gherig 's disease -LRB- within parameters set forth by Medicare -RRB- . You will receive Medicare at an age younger than 65 if you have been on Social Security Disability for 24 months and are under age 65 . If you are receiving Social Security benefits at age 65 , you will be automatically enrolled in Medicare at age 65 .


Input: What Does Auto Insurance Not Cover?

Output: It is easier to identify what it does cover . It covers your car . If your car is involved in an accident , it pays up to the limits of the policy for the bodily injury and property damage of the other party . If your car is damaged the auto policy can provide physical damage coverage to repair your vehicle . There are many things which it doesnt cover . For example , it does n't cover your personal property or business property in the car .


Input: What Renters Insurance Covers Pets?

Output: Most renters insurance polices will allow you to have most pets . However many will limit you on vicious dogs or exotic pets . Since this can vary by company I recommend you discuss your particular needs with a local agent who can obtain quotes from various companies to find the policy that is right for you .


Input: I'm 82 And With Bankers Life Medicare Sup, Can I Switch?

Output: If you reside in the state of California you may change your Medicare Supplement plan each year , during your birth month , with no medical underwriting . In other words , as long as it 's your birth month you can apply to switch to a plan , that is equal to or less than your current Medicare Supplement plan , with another carrier and you will not be denied coverage .


Input: I'm 82 And With Bankers Life Medicare Sup, Can I Switch?

Output: Bankers Life Medicare supplement plans are just like all the other plans from other carriers . When you compare identical Medigap plans , those with the same letter , the coverage is identical from carrier to carrier . The only difference is the price . An 82 year old female in Macon , GA would pay Bankers $ 246 a month for plan F but would pay $ 177 for the same plan with Equitable .


Input: I'm 82 And With Bankers Life Medicare Sup, Can I Switch?

Output: Yes as long as you can qualify medically with the company you would like to switch to . Do not cancel your Bankers policy until you are approved for the new one . Unlike Medicare Advantage , you can switch Medicare Supplements whenever you want . You can only change your prescription drug plan October 15th thru Dec 7th .


Input: I'm 82 And With Bankers Life Medicare Sup, Can I Switch?

Output: You can switch your Medicare Supplement anytime you want to as long as you can pass medical underwriting . If you have any serious pre-existing health conditions you may not be able to switch to another company . If you can qualify with a new company you and your wife will probably be able to save a lot of money and still receive good coverage for the gaps in your Original Medicare Part A and Part B coverage . If you currently have a Plan F consider switching to a Plan G or Plan N.


Input: Why Should I Take Out Life Insurance?

Output: You should take out life insurance if someone would suffer financially as the result of your death . E.g. Your children , your spouse , or parents who rely on you for living expenses . Also , you can take out life insurance to pay off a mortgage or business loan , put kids through college , provide retirement income , or replace a key employee that passes . If you can not save up enough money to take care of a need that could be incurred sooner rather than later , life insurance is a great option .


Input: Does Renters Insurance Cover A Lost Wedding Ring?

Output: It may provide some limited coverage . A renters insurance policy will typically provide limited coverage for lost or stolen personal property possibly less your policy deductible . Please remember every policy is different . Read your policy completely to understand the coverage provided and any exclusions that may be contained within or contact your local agent to have them go over the policy with you .


Input: How To Get Money From A 401K Retirement Plan?

Output: Most advisers recommend using other assets first before borrowing or surrendering part or all of your 401 -LRB- k -RRB- plan . Most 401 -LRB- k -RRB- plans charge interest for plan loans and require a pay back schedule . Keep in mind that loans may prohibit transfers to other qualified plans or force the administrator to issue a 1099 if you terminate your 401 -LRB- k -RRB- ,


Input: Will Homeowners Insurance Cover Structural Damage?

Output: It will , so long as the cause of the structural damage is a coverered peril listed in your policy . Check with your Insurance professional about this . If , however , the structural damage is caused by poor workmanship by the contractor , then the claim would have to be filed with the contractor 's insuring company .


Input: How Much Does Commercial Renters Insurance Cost?

Output: There are many specialty programs that cover businesses . Most include the property coverage that you need . The basic plan is called a. Business Owners Plan and provides a collection of essential coverages and may offer optional coverages tailored for your business . Some businesses require further specialization such as a garage . Check with your insurance agent for sound financial advice .


Input: Can I Switch From Medicare Advantage To Medigap?

Output: Yes , you can switch from Medicare Advantage to Medigap . To do so , you must first disenroll from your Medicare Advantage plan . Then you must enroll in original Medicare . If anyone asks you to buy a Medigap policy without being enrolled in original Medicare , you should report them . If you have never used Medigap before and you had Medicare Advantage for under a year , you can have your choice of Medigap policies .


Input: Can I Switch From Medicare Advantage To Medigap?

Output: Yes , you may be able to but you would most likely need to wait until the annual enrollment period that starts in October . People who have a Medicare Advantage plan can only switch once a year during that annual enrollment period . A special circumstance to that would be if the insurance company did away with your plan during the year . Unlike people with a Medigap Plan that can switch anytime of the year that benefits them .


Input: Can Annuities Be Rolled Over Into An IRA?

Output: If youre addressing existing non-qualified annuity and you desire to use in funding an IRA , the following cautions are advised . Your name may be the same on the annuity as well as the IRA , but it reality , your changing ownership registration . If that happens your annuity , if effect , is being surrendered and that surrender will trigger an ordinary income tax event on the gain in the policy . If youre under age 59 an additional 10 % penalty will be assessed as well . And dont forget non-qualified annuity basis is tax free , by inserting it into an IRA ; you give up the tax free status of basis because all IRA distributions are an ordinary income tax event . Also keep in mind that IRAs have contribution limitations , $ 5,500 under age 50 and $ 6,500 over age 50 . Most non-qualified annuities are larger than that . Before moving forward with any changes consult a tax adviser or CPA .


Input: What Is Good Disability Insurance?

Output: It 's hard to say what `` good '' Disability Coverage is without knowing your age , health , occupation , etc. . Typically , the best coverage will last until age 65 or 67 and will have the true own occupation definition . if possible , people should try to get coverage at a younger age , PRIOR to obtaining any health conditions so that nothing will be excluded on the policy .


Input: What Is Good Disability Insurance?

Output: There are several good disability companies in the market place , but each contract has it 's own definitions , so the policy language is very important to understand in determining your benefits . Ameritas , , Assurity , Fidelity Security , Illinois Mutual , Lloyd 's of London , Mass Mutual , Metlife , United of Omaha and The Standard are the top brokerage carriers in disability insurance .


Input: Does Life Insurance Cover Disability?

Output: Pure life insurance plans cover death by any means including accidental and even suicide -LRB- although if it occurs during the first 2 yrs the policy is in effect payment consists of return of premium -RRB- . Some policies have disability riders -LRB- including AD&D -RRB- which may have some nominal value . If you need disability coverage you should purchase it separate from your life insurance .


Input: Does Life Insurance Cover Disability?

Output: Life insurance is a mortality product that indemnifies the death of the policy insured . Life insurance may have an embedded disability provision or an additional rider for the cost of insurance or the entire annual premium . Some life insurance polices have additional morbidity riders such as disability insurance , generally on a limited basis .


Input: Does Life Insurance Cover Disability?

Output: Traditional Life Insurance does not cover disability unless a Disability Income Rider is added to the life insurance policy . There also exists a Waiver of Premium rider , but it simply pays the premium for the life insurance policy in the event that the policyholder becomes disabled . Disability Insurance policies can be purchased to provide for the need for income while unable to work due to covered injuries or illnesses .


Input: Does Life Insurance Cover Disability?

Output: does life insurance cover disability ? In the form of a payout ? normally no . There are disability riders on life insurance policies , but they are usually only covering the premium on the policy . Some newer policies offer a rider that provides a long term care benefit , but if there is any disability coverage in a life policy it would come in the form of a rider . That said , if you have a cash value policy and become disabled , there is no restrictions on using your cash values for any purpose .


Input: Does It Cost Money To Cancel Auto Insurance?

Output: Well it depends on our current compay policy for short rate cancelation . if you just bought your policy less that 6 month they may charge a fee for cancelation . You must check with your current compay for the rules on cancelation and see if they charge a fee or not .


Input: Does It Cost Money To Cancel Auto Insurance?

Output: Based on my experience within the industry so far . I am not aware of an auto insurance carrier that charges a cancellation fee for cancelling your coverage with them . What you might encounter though is a contractual requirement when signing as a new client of a carrier to remain with that carrier for a minimum of six months to one year . 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 Medicare Or Tricare Primary?

Output: When you reach 65 you must enroll in Medicare parts A & B. Medicare becomes primary and Tri-Care becomes secondary . That is almost seamless as far as the member is concerned . The claim is handled by the provider , sent to Medicare which pays its portion . If there is still an amount owed it is sent to Tri-Care that takes care of its share . If there is still something that is n't covered it is sent to the member .


Input: How Does Group Disability Insurance Work?

Output: Most large corporations have employer group benefit plans that include short and long term disability insurance priced on the basis on the law of large numbers of those who become disabled . Because of these large numbers the disability company takes a mean average of working sectors and prices it to a standard . Group disability insurance generally requires no exam or application to enroll .


Input: When Will Medicare Pay For A Chest X Ray?

Output: Medicare Part B covers diagnostic tests , including x-rays , when your doctor has determined it is needed to help diagnose a medical problem . Part B will pay about 80 % of the expenses - you 'll be responsible for paying the other 20 % . A Medicare supplement plan can cover the 20 % of expenses you would otherwise be responsible for .


Input: Is Medicare At Risk?

Output: Medicare is underfunded and is in worse shape than Social Security . This is why Congress is looking for ways to reduce Medicare liability . Congress has no clue how to manage such a program and their idea on how to reduce Medicare costs is to shift the costs to Medicare beneficiaries and providers . This means docs are paid less , and you pay more in the form of higher premiums and higher deductibles .


Input: Is Medicare At Risk?

Output: Not at this time . Medicare could face some changes down the road however . Do not let the political scare tactics of either party cause you undo concern . At the same time it is good to keep informed of any changes and if you disagree with those changes then contact your congressman .


Input: How Long Can You Go Without Auto Insurance?

Output: That is a great question ! The short answer is that you can not drive at all legally without auto insurance . The penalties for doing so are very stiff , and have long lasting effects . It is much better to have a minimal policy than none . Please contact an agent that can help you find a policy that you can afford . If you would like some help , please feel free to contact me , I 'm happy to help . Thank you for asking !


Input: How Long Can You Go Without Auto Insurance?

Output: Not very long actually especially if coverage is required by your state or if you have a car loan . Both requirements include provisions that require your insurance company to notify such parties in the event you cancel your coverage . The loan company can then potentially reposes your car and the state will fine you and suspend the car 's registration making it illegal to drive .


Input: How Long Can You Go Without Auto Insurance?

Output: It is never wise to drive a car that is not insured . The period of time you can drive without insurance is governed by state law . Additionally , it is also governed by common sense . The risks of operating a car are far too great for most people to afford . A single accident could bankrupt you . If you can not afford insurance take public transportation .


Input: Does Disability Insurance Cover Pre Existing Conditions?

Output: Preexisting conditions may affect a disability insurance policy in two different ways . When applying for a policy , you may be asked a variety of medical questions . This is a normal part of the underwriting process . The carrier may decline the application for a variety of prior and existing medical condition . If issued the policy , most contracts will contain exclusion language for preexisting conditions . Disabilities that begin within the first twelve months of the policy effective date are normally excluded from coverage .


Input: Does Disability Insurance Cover Pre Existing Conditions?

Output: Most disability plans will exclude preexisting conditions . A company is not going to pay for a disability caused by a known problem . For example if you are being treated for a bad back and become disabled for a back issue as a result , the company would not pay . The condition will usually be excluded in writing or the policy in some cases may be declined .


Input: Is It Smart To Take A Loan From Your 401K?

Output: A 401k is a designed as a retirement vehicle and it is not a good idea to take loans from it unless you absolutely have to . Most 401k plans do allow loans but there may be strict guidelines on making and administering them with some employers . The statutes place no specific restriction on the need or use of the loan , except that they have to be reasonably available to all 401k plan participants . However , the employer can restrict reasons for the loans . It is somewhat common for a plan to restrict the loan for educational expenses for a family member , pay un-reimbursed medical expenses or help purchase your first home . There are restrictions on how much of the 401k balance can be borrowed as well . The IRS says an employee can borrow $ 50,000 or 50 % of the vested account balance . If you are under age 59 1/2 and you leave your employer and the loan has not been repaid , the loan will be re-classified as income for that year and you would be taxed at ordinary income tax rates . In addition , there would be a 10 % early withdrawal penalty . When you borrow money from your 401k , you interrupt the concept of compounding your money and that can end up costing you a larger portion of your retirement account than you imagined . It is always best to pay back the 401k loan as quickly as possible to minimize the long-term effect on your retirement funds .


Input: Is It Smart To Take A Loan From Your 401K?

Output: That is a great question ! There are some good reasons for borrowing from your 401k , and some bad ones . The good reasons are that they are typically fairly easy to get , and often at much lower interest rates than a commercial lender would give . And depending upon the structure of your 401k , in some cases , the interest that you pay is to yourself , so there is less loss on the loan itself . The bad reasons are worth considering . The worst is what happens if you are let go , or leave the job before the loan is paid off . In many cases the loan has to be repaid within a short period of time , may have serious tax consequences , and that 's not even considering what the withdrawal of the funds may do to the earnings power of your 401k if it 's not structured correctly . The best thing to do is speak with your plan administrator , or HR person , and find out the details of taking out a loan and what the terms are . Good luck , and thanks for asking !


Input: Is It Smart To Take A Loan From Your 401K?

Output: With all financial transactions you must weigh the benefits against the costs . The first thing you must do is determine if your employers program will allow a loan to you for the purpose you need it . Then you should check on any taxation issue . Next , will the costs related to the loan exceed the value of the loan . Lastly you should plan a program to repay the loan in order to restore the account so that it can continue to grow until you retire .


Input: Where Should I Buy Life Insurance In Wisconsin?

Output: To buy life insurance in Wisconsin , you can visit an agency that you find in the Yellow Pages , or you can shop from home on the internet . To see which websites offer life insurance in Wisconsin , put in your state in a free quote engine and see if it brings up a quote for you . Then you can contact them by phone or email if you like the quote or want to discuss your options .


Input: Can Life Insurance Drop You?

Output: When you do all that was asked of you and did not lie or omit something important during the life insurance application process , the policy you get is yours to keep . The life insurance company can not drop you because you get cancer , break your back , or start smoking . They will not even adjust your rates for those things . The policy you legally got is legally yours until it ends -LRB- as in Term insurance -RRB- , or until you drop it by not keeping up required premium payments .


Input: Can Life Insurance Drop You?

Output: During the first two year contestability period after the policy has been issued , the life insurance company has the right to investigate your application for misstatements , misrepresentations and material omissions that could constitute fraud . A major area of misrepresentation is smoking status . Some life insurance carriers discovering the misrepresentation will summarily reduce the death benefit at the smoker rate or deny the claim altogether .


Input: How Much Life Insurance Does Firefighter Get?

Output: The question as phrased sounds like you 're asking `` How much life insurance is automatically given to firefighters when employed as such by a city or county ' ... If that 's what you 're asking , I do n't know that any insurance is automatically given to them anywhere . In most cases there will be a Group Life Insurance program offered to firefighters wherever they are employed , and that will typically have an upper limit . Also in most cases the firefighter will have to pay the premium them self . Some city and counties may pay for a certain amount of insurance . Firefighting may be considered a hazardous vocation and may therefore require slightly higher premiums . That said a firefighter may purchase as much life insurance as they qualify for , -LRB- based on health and age -RRB- , want and can afford .


Input: How Much Life Insurance Does Firefighter Get?

Output: The amount of Life Insurance that is provided to firefighters depends on the city and states they work for . Firefighters are able to purchase private life insurance just like anyone else . Their occupation does not interfere with their eligibility to get life insurance , with almost every life insurance company .


Input: How Much Life Insurance Does Firefighter Get?

Output: There is no standard amount of life insurance that firefighters should get . You need to meet with your insurance broker to fact find and see what you need . You will usually need a minimum of 10 - times your annual income of REAL life insurance that pays no matter how you die . It 's OK for firefighters to buy an extra million in accidental death insurance as long as you look at it more as a lottery ticket in addition to your REAL life insurance .


Input: What Can You Claim On Renters Insurance?

Output: Renters Insurance is about your personal property . When you get Renters Insurance , you will be asked to list your property so the company knows what they are covering . Along with writing what you have down , I would recommend taking a video with your phone if you have that ability and save it . This is a good way to stay on top of what you have and what may have to be replaced in the event you have to file a claim .


Input: Can I Borrow Against My Universal Life Insurance?

Output: Yes , you can borrow against Universal Life Insurance , as long as there is enough cash value accumulation from which to borrow . You must be careful to observe policy guidelines so that you do not lose the guaranteed death benefit . Some people borrow from Indexed Universal Life as a source of tax favored retirement income .


Input: Can I Borrow Against My Universal Life Insurance?

Output: Yes , you can borrow against your Universal Life Insurance policy , as long as there is sufficient cash value from which to borrow . Purchasing Indexed Universal Life and overfunding it with more premium than is needed is a good way to accumulate cash value that you can borrow from tax free later on .


Input: Can I Borrow Against My Universal Life Insurance?

Output: A universal life policy is designed to accumulate money to pay for the ever increasing annual cost of life insurance as you age . The policy owner can borrow against the cash value at the rate stated in the policy . The tricky part is that in a universal life policy there is a tendency to underfund . When you borrow money from an underfunded policy you advance the date that the policy will not be able to maintain itself at the current premium .


Input: Can I Borrow Against My Universal Life Insurance?

Output: YES ! You can borrow from an Universal life policy . They are very flexible as in how much you pay monthly . You can pay a little more or a little less but if you borrow against it , you want to make sure to put that money back into it so you do n't lose your death benefit . UVL 's are based on interest rates and right now they 're VERY low so in years , the interest will likely go up and as they go up , so does your cash value and death benefit . It is always a good idea to pay more than the recommended amount anytime you can , this will help you later if you need to borrow against it .


Input: Can I Borrow Against My Universal Life Insurance?

Output: The short answer is yes , you can borrow money from your universal life insurance policy , or other permanent - cash value life insurance policies . Understand the mechanics and costs associated with borrowing from your policy . This is an area that many agents and consumers are not all that familiar . You do not want to incur taxes as a result of borrowing too much and/or lapsing your policy . Consult with an experienced life insurance agent to help determine the best course of action . Careful planning and monitoring cash value life insurance policies is the best course of action .


Input: Why Is A 401K Loan A Bad Idea?

Output: That is a great question ! There are some reasons why taking a loan out of your 401k might not be the best option . Before doing so , please consult your plan administrator and be certain to understand the rules for your particular plan . The first reason is that you may lose the ability to contribute to your fund while your loan is outstanding . Some companies will disallow contributions or matches until the loan is repaid . That can seriously derail your long term growth potential of your plan . Other companies will deduct the loan payments from your check , reducing your flexibility with other payments . The second reason is that you lose your tax sheltered advantage . The interest that you are paying yourself on the loan -LRB- you are both borrower and lender in the transaction -RRB- is considered a taxable income by the IRS , and reduces your returns . It 's also possible that the opportunity cost of having invested that repaid interest could be more than what you 'd make having used it in an investment . The third reason is that if you were to God forbid lose your job , the loan amount is repayable within 60 days . If that is n't done , you are subject to a 10 % penalty on the balance , -LRB- if you 're under 59 1/2 -RRB- and are due for whatever State and Federal taxes apply , as it is no longer considered a loan , but an early withdrawal . An alternative to consider might be a home equity line of credit , if the interest rates and your equity allow . Some things to consider . Again , I 'd advise you to speak with your plan administrator and see exactly what your plan rules are . Thanks for asking !


Input: What Is A 401 K Retirement Plan?

Output: 401K plans have been one of the primary ways people who work save for retirement . It is what is known as a qualified plan meaning that it is subject to government enforced rules and regulations regarding how money goes into it , how much can go in , how it comes out and how much at one time . Employers offer these plans and agree to put in a certain amount -LRB- in some cases , not all -RRB- so that an employee can grow their nest egg while working . The funds grow tax deferred -LRB- no taxes due till funds are distributed to employee -RRB- , typically have options as to where you will invest them and traditionally accumulate over time . You can ask your employer about their 401K plan if they offer one . You usually have to work with them for a few months or a year before you beome eligible to join .


Input: What Is A 401 K Retirement Plan?

Output: A 401 K Retirement Plan is a qualified ERISA plan that allows employers to offer their W2 employees a salary reduction by pretax contribution . Employers offering a 401 -LRB- k -RRB- plan may also offer matching contributions to the plan participants . The earnings accrue on a tax-deferred basis , but are tax at ordinary income rates at distributions . Those distributions will also be included in the provisional income test for Social Security Benefit taxation .


Input: How Much Home Contents Insurance Do I Need?

Output: The short answer is , of course , as much as you need to protect yourself . However , in most homeowners ' policies , the amount of coverage stated in the policy to protect your personal belongings is the result of applying a factor to the dwelling amount . In other words , in most Homeowners ' policies , the amount listed for personal property will be 70 % of the stated dwelling amount . Talk with your Insurance Professional to make sure that full `` Replacement Value '' is included in your policy .


Input: How Much Home Contents Insurance Do I Need?

Output: You should have enough home insurance to meet the requirement of your lender . After that you should meet with your trusted insurance agent and select those limits that will make you comfortable in the worst case scenario . It isnt the annual premium that is crucial ; it is the limits of the policy when you have to file a claim . You can save premium dollars by scrimping on coverage but if that perfect storm strikes those savings wont ease your pain .


Input: How Much Home Contents Insurance Do I Need?

Output: Great Question ! The contents coverage should be enough to roughly pay for the estimated cost of the bulk of your belongings . Take roughly what it would cost to replace your things -LRB- and I highly recommend that you ask for `` replacement value '' in your policy versus `` actual cost '' as it can make a huge difference for you -RRB- and look for that amount of coverage . Some companies will have guidelines and limits , and some things - artwork , jewelry , collectibles , etc. may need riders or separate policies . Your agent should be able to walk you through this . If you need help , please feel free to contact me . Thanks for asking !


Input: Is Life Insurance Cash Value Protected From Creditors In Illinois?

Output: Yes , 100 % of life insurance cash value is protected from creditors in Illinois if the beneficiary of the policy is the spouse , child , or dependent parent , or other dependent of the policyholder . This is true even if the contingent beneficiary of the policy is the estate of the Insured .


Input: What Does APS Stand For In Life Insurance?

Output: An APS is an `` Attending Physician Statement , '' and it is often used when you apply for coverage . It is a formal request from the insurance company to one of your medical providers -LRB- usually your family physician -RRB- requesting specific medical records . The insurer usually pays the cost ofobtainingthe medical records .


Input: What Does APS Stand For In Life Insurance?

Output: When an APS -LRB- attending physician statement -RRB- is ordered by the life insurance company , the insurance company normally uses a service to obtain the APS from the physician or hospital from whom it has been requested . If you have seen more than one physician in the past 5 years , or if a particular physician has important details about your health condition , be sure to include the contact information for those physicians on your life insurance application . It will make the process go much faster if they can order all pertinent APS 's right away .


Input: What Does APS Stand For In Life Insurance?

Output: The APS stands for Attending Physician Statement . It is what the insurance company orders when the underwriter wants to review medical records for a medically underwritten policy . The insurance company usually orders the APS through an outside service or through a brokerage , and the insurance company pays the cost for the APS . In some situations , the insured person can provide their own medical records .


Input: What Does APS Stand For In Life Insurance?

Output: APS means Attending Physician Statement . It really is n't a statement about your health from your doctor is usually is your chart notes for a period of time , like last 5 years or 10 years depending on the company . An APS on average nationally takes about 30 days to complete , so add that time into your wait to hear back from the insurance carrier as most policies take around 5-9 weeks to complete these days .


Input: Can I Sell My Term Life Insurance Policy?

Output: It may be possible to sell your Term life insurance policy if you have very poor health or are terminally ill . Life settlement companies would want your Term policy to be able to be converted to Permanent insurance . It is a good idea to talk to your family and to a trusted life insurance agent for other options , as well .


Input: Can I Sell My Term Life Insurance Policy?

Output: Yes , you can . First question : are you sure you dont need it ? Think through the needs for life insurance you might have going forward . If it turns out that you do need coverage in 10 years , the price could be pretty high . And remember that your insurability is not guaranteed . Next question : why not convert this term policy to a permanent product ? This way you can lock into guaranteed rates for the rest of your life . You can avoid having to go to market again and paying high prices . You can even put extra money into the policy and grow a cash account . And , you wont have to go through underwriting again . Last question : how old are you ? And how is your medical condition ? Life settlement companies frequently impose a minimum age requirement . They tend to also want to buy policies from people who are not in the best of health . Make sure you do some good research in this area if you decide to go this route .


Input: What Is An Endowment Life Insurance Policy?

Output: Endowment is the basic form of permanent insurance . In contrast with term insurance which provides protection for a specified period of time , an Endowment will pay a death benefit when the insured dies if premiums are paid . A `` whole life '' policy is an endowment policy with the endowment occurring beyond normal life expectancy . Endowment policies were quite poplular one hundered years ago when life expectancy was lower .


Input: What Is An Endowment Life Insurance Policy?

Output: An endowment life insurance policy is one in which the cash value grows until it reaches the face amount for which the policy was taken out . When the cash value reaches the original face amount , is is said to endow . At that time you can take the cash value while you are still alive , or leave the cash value in the policy to possibly grow more .


Input: How Much Should I Expect To Pay For Life Insurance?

Output: This is truly an impossible question to answer . There simply are too many variables in buying life insurance to give a blanket answer to this question . However , you can look on the internet at instant life insurance quote engines to get an idea , if you have good health or some controlled health conditions . It is best to follow it up with a call , as no quote engine can accurately cover every base when it comes to calculating your rate .


Input: How Much Should I Expect To Pay For Life Insurance?

Output: Life insurance is a mortality product . So your health history and current medical condition is an important component in determining your price as is you gender , age and smoking status . Also included in the price tag is the amount of coverage and how long you want coverage to last . And keep in mind that behaviors can also affect the price like motor vehicle violations , dangerous recreational activities and hazardous jobs .


Input: How Much Should I Expect To Pay For Life Insurance?

Output: It depends on how much you need and for how long you need it . Term life insurance can cover a temporary need and is very affordable . As an example , for a male age 40 in excellent health needing coverage for 30 years , it may be possible to obtain $ 500,000 coverage for a level premium for that duration that amounts to a little more than $ 2 per day . For lifetime coverage that you can not outlive , you would need to consider permanent -LRB- cash value -RRB- life insurance coverage and the cost for that is higher . You should meet with a life insurance professional who can present you with options to meet your needs make it fit your budget .


Input: Can You Put Money In A 401K And A Roth IRA?

Output: That is an excellent question ! Not only can you , but you should ! It is an excellent strategy to maximize as much as you can afford to the amount you can contribute to your retirement funds . Contribute as much as you can to the 401 to earn the employer match , it 's free money , in a way , and you should take advantage of it . Your Roth will allow $ 5500 a year -LRB- $ 6500 if you are 50 + -RRB- and after your 401 , contribute as much of that as possible . The earlier you start , the better , and by maximizing your contributions now , it will help balance out when the time comes that money is a little tighter , and you ca n't contribute as much . Thank you for asking !


Input: Can You Put Money In A 401K And A Roth IRA?

Output: Yes , you can contribute to a 401k and IRA in the same year . If your employer is providing a match for your 401k , it might be a good strategy to put in enough to qualify for the full employer match before contributing to an IRA . There are income qualifying rules for the traditional IRA . For married filing jointly or qualifying widow -LRB- er -RRB- and your modified adjusted gross income -LRB- MAGI -RRB- is less than $ 181,000 you can contribute up to $ 5500 -LRB- over age 50 the contribution limit is $ 6500 -RRB- . If your MAGI is between $ 181,000 and $ 191,000 your contribution amount is reduced . For single , head of household or married filing separately and you did not live with your spouse at any time during the year , if your MAGI is less that $ 114,000 you can contribute up to $ 5500 -LRB- over age 50 the contribution limit is $ 6500 -RRB- . If your MAGI is between $ 114,000 and $ 129,000 your contribution amount is reduced . Traditional IRAs have a maximum age contribution limit of 70 and you must begin Required Minimum Distributions -LRB- RMDs -RRB- by April 1 of the year following the year in which you turned age 70 . Roth IRAs have no age limits for contribution and have no RMD at age 70 . This could mean you have two RMDs in the same year . If you or your spouse participates in an employer sponsored retirement plan such as a 401k , the ability to deduct a contribution to a traditional IRA hinges on what your MAGI is on your tax return along with your filing status . There are some rather complicated formulas that relate to this and you should definitely seek advice from your tax preparer on anything tax related . As always , you should consult with a qualified financial professional when considering financial products and strategies for retirement income .


Input: When To Register For Medicare Part A?

Output: If you have been in the Social Security system you should automatically be registered for Medicare . In most cases a few months before you turn 65 you should receive your Medicare materials including your Medicare card . Most are automatically enrolled in Medicare Part A and Part B . If you do not receive your material , contact Medicare .


Input: What To Do When Home Insurance Drops You?

Output: Insurers dont usually drop a customer for no reason . Claim activity and payment issues may often result in a termination notice but there can be a number of other reasons . If you have other insurance with that company or agent , I might try to appeal that decision . There may be a reasonable explanation for adverse claim experience or money problems . If you can assure the company or agent an unfavorable pattern most likely will not continue , they may reverse their position and continue providing coverage . Assuming larger deductibles or paying premiums up front with a credit card may also work in your favor . If that doesnt work , independent agents usually represent more than one other company . They may be able to simply place your coverage with another company but make sure you pay close attention to the questions on a new companys application . I suggest it is normally a good idea to combine your insurance with one company or agent when possible . That may make you more important to them than if you only have a single policy . Premium leverage can often work to your advantage . Although I hesitate to use them , a number of insurers claim to specialize in replacing cancelled insurance . Often they charge more , may limit the scope of coverage and be more difficult to work with should a claim occur . Proceed with care in this direction . Many states offer assigned risk pools or similar facilities that accept insurance from residents who are unable to obtain insurance through normal channels . In certain situations these alternatives may be worth considering . I would not consider this alternative a long-term solution . If this becomes your only viable alternative , make an effort to reenter the standard insurance marketplace as soon as you can .


Input: What Exactly Does A Life Insurance Physical Involve?

Output: A life insurance physical usually involves taking a blood sample , urine sample , blood pressure reading , and pulse . The examiner will weigh you and measure your height , plus sometimes waist or other measurements . You will be asked medical questions that you probably have answered already , but they are asked again to verify that the information is correct . Sometimes an EKG is done .


Input: What Exactly Does A Life Insurance Physical Involve?

Output: A life insurance physical is usually misrepresented as a paramedic exam . First , if a physical is required by the company you are applying at , thwn they would send a medical or you could be sent to one , to have a physical completed similar to an annual physical . A paramedical is where a technician is sent to your home , place of work , or another setting you agree upon , where he/she will ask a medical questions which the insurance company wants answers to . Blood pressure , a blood draw , urine in a cup , and measurements will also usually happen . It really all depends on the company , your age , and how much you are applying for .


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

Output: If you are in the midst of cancer treatments , unfortunately , it is difficult to get life insurance . If you are over age 45 , there are guaranteed issue policies that you can get . They pay 100 % of the death benefit from day one for accidental death . For death by natural causes -LRB- any type of illness -RRB- , they have a graded period for 2-3 years in which they will pay a portion of the death benefit . After the graded period , they will pay the full death benefit . A year or two after your last treatment , you can get a simplified issue policy that may or may not be graded . And the longer you are cancer free , the more options you have . My recommendation is to get whatever coverage you can , and then replace it with less expensive life insurance with better features as you become eligible for them . Everyone 's hope is that you will eventually be able to get a regular policy for whatever amount you wish , because you will be a cancer survivor .


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

Output: Video Transcript : Can I get life insurance if I have cancer ? Well , it depends upon a lot of questions . The type of cancer diagnosed , the date first diagnosis occurred . I need to know was it treated by surgery , chemotherapy , radiation therapy , hormonal therapy . I 'll also need to know , enlist the stage of the cancer , as well as the grade of the cancer . I need to know also , has it spread to other parts of the body , because that 's going to be issue for us to be able to underwrite . And then the last one is has there been proper follow ups to your cancer ? Which is CT scans , X-rays , bone scans , laboratory work . I need to know those kinds of things to accumulate enough information to give you the proper offer . Remember , certain carriers are more benevolent in certain types of cancers than others .


Input: Can Someone With Epilepsy Get Life Insurance?

Output: If your seizure is Petite Mal or myoclonic without re-occurrence in the last two years it is possible to secure life insurance beyond guaranteed issue with several impaired risk carriers . If re-occurrence is within a year , you may be able to secure coverage at 2 to four tables , i.e. youre premium will be more than a standard offer . Other considerations are : the date of diagnosis , your present condition , treatment , the date of your last seizure , the type of seizure , the length of the seizure and the number of seizures in the last 12 months .


Input: Can Someone With Epilepsy Get Life Insurance?

Output: People with epilepsy can get life insurance . If the epilepsy does not interfere with your normal life -LRB- i.e. you are able to work full time and have not had a seizure for over 5 years -RRB- , you should be able to get a regular , medically underwritten policy of any amount , een if you have Grand Mal epilepsy . Most people with epilepsy have their condition so well controlled that you would not even know they have it , unless they quit taking their medication . Some life insurance companies take that into consideration and give lower rates . If the epilepsy is uncontrolled -LRB- seizures within the past year -RRB- , there are simplified issue policies that can be obtained , up to a certain amount of coverage .


Input: Who Wrote The Medicare Bill?

Output: Congress created Medicare , a social insurance program , under the Social Security Act in 1965 to provide health insurance to individuals age 65 and up , regardless of income and medical history - later including those with disabilities who are under 65 or have end-stage renal disease . Medicare is adminsitered by the Center for Medicare and Medicaid Services -LRB- `` CMS '' for short -RRB- .


Input: Who Regulates Indexed Annuities?

Output: Indexed Annuities are regulated by the state that they are sold in . Indexed Annuities experience growth `` related '' to the growth of an index of the stock market . The federal government regulates securities , but since indexed annuities offer some opportunities for fixed interest they have been declared fixed products and not securities . Indexed annuities are complex investments and vary widely by product and company . Make sure that your insurance broker explains to you the way interest is credited and your ability to access the money .


Input: Do I Need Disability Insurance In Iowa?

Output: To answer your question , you do not `` need '' to purchase disability insurance in Iowa . However , it may be something you want to purchase . statistics -LRB- we all hate them -RRB- show a person is more likely to have an accident outside of the workplace where work comp does not apply . Many employers have reduced expenses through cutting benefits and no longer offer disability . Check with your employer before looking for you own place if it is something you desire .


Input: Do I Need Disability Insurance In Iowa?

Output: Having disability insurance is a good idea in Iowa or in any other of the 49 states in the United States . Sometimes it will be provided by your employer . If not , then it is up to you to buy a Disability Insurance policy for yourself . If money is tight , getting a Long Term Disability policy is recommended , as it is more unlikely that you can financially survive an extended period without a job , as you would be able to endure a short term disability . If you can afford it , you can purchase both Long and Short Term Disability Insurance .


Input: How Much Does Gerber Life Insurance Cost?

Output: Gerber Life Insurance premiums are priced according to age and amount of coverage provided you can qualify based on the non-medical underwriting questions . As in all purchases , it makes sense to check the premium cost of other carriers as well . Gerber may or may not be the least expensive based on your particular needs , health and age .


Input: Where To Get Temporary Health Insurance?

Output: Temporary health insurance -LRB- also known as `` short-term '' coverage -RRB- is available from an experienced and reputable broker that represents all of the major carriers . For example , when I am discussing short-term plans with customers , often they only want benefits for a few months -LRB- possibly more -RRB- . In this situation , a short-term plan is ideal . Typically , most of the major companies offer this type of plan . Rates are VERY cheap and policies can be approved instantly or within 24 hours . Although pre-existing conditions are not covered , if you are unemployed , waiting for Medicare or other work insurance to begin , or a student that has just graduated , you may want to consider this form of coverage .


Input: Is Life Insurance Taxable To The Estate?

Output: Life insurance proceeds generally pass to the beneficiaries of the policy tax free . However , the proceeds still may be subject to federal and estate taxation depending on the total assets as they relate to the federal unified credit and the state of domicile exemption . Before purchasing and assigning policy ownership , check with an estate attorney for guidance .


Input: Does Homeowners Insurance Cover Broken Windows?

Output: Homeowners Insurance does cover your homes windows if they are broken due to vandalism , wind , hail or another peril that is covered on your policy . It is important to remember that the claim will most likely be subject to a deductible so when trying to decide whether or not to file a claim make sure to take your deductible into account .


Input: Does Homeowners Insurance Cover Broken Windows?

Output: It depends on how they get broke . If the get broke by an act of vandalism , windstorm and hail , or other covered peril then yes . If your kids are playing in the yard and throw a ball through the window then no . Also keep in mind your deductible . Generally the cost of a window is less or very close to most peoples deductibles . If you turn in a lot of small claims it can have just a detrimental effect on your rates and insurability if not more so as a large claim .


Input: Is Medicare A Part Of Social Security?

Output: This is a great question . The relation of social security to Medicare . When you first apply for medicare that is normally done at the social security office or by calling social security . However Medicare part A is normally at no cost . Part B for most people is a little bit over 104 dollars monthly and if an individual is receiving a social security check , the part B premium is normally deducted from it .


Input: What Do Annuities Do?

Output: Annuities were developed centuries ago to ultimately provide income . For example many savers purchase annuities because the fixed rate is generally higher than most banks and money market funds , but their end game goal should be income . Keep in mind that annuities are tax deferred , so you only pay taxes when you take distributions from an annuity . Deferring taxation on a long term annuity can provide an extra boast to your income stream later on when you annuitize .


Input: Does Your Mortgage Include Homeowners Insurance?

Output: No , you pay for that separately . You mortgage company can allow premiums to be paid through an escrow account and included in your mortgage payment but it is not a part of the actual mortgage . Each year you will get an escrow statement from your bank or mortgage company detailing interest paid , taxes paid , and insurance paid .


Input: Does Car Insurance Drop When You Have A Baby?

Output: No . Based on my education and experience within the insurance industry so far , there are no notifications that are provided to an insurance carrier about children being born into a household . There are many factors taken into consideration when you are applying for auto insurance coverage , but to the best of my knowledge a new born child in the household does not affect your auto insurance rates .


Input: How Is Health Insurance Premium Calculated?

Output: Health insurance premiums are calculated based on your age , where you live , if you use tobacco products , which plan you choose -LRB- e.g. metal level -RRB- , and if you qualify for a subsidy to reduce your premium will determine how much a good policy is going to cost . Under the 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 . All of the plans offer good coverage . A silver or gold plan are your middle of the road type of plans because they provide strong coverage at an affordable price . I always recommend consulting with an independent health insurance broker before you apply for anything . We can help you determine the plan that 's going to be most suitable for your needs and budget . I hope the information is helpful - please feel free to contact me for assistance and if you have any other questions . Thanks very much .


Input: How Is Health Insurance Premium Calculated?

Output: Under the provisions of the Affordable Care Act -LRB- ObamaCare -RRB- individual health insurance and fully insured small group health insurance are subject to community rating . In simple terms this means that for each insurance plan design there is a rate table set up by age in one year increments . If you are 45 they go to the rate table for that plan design , and whatever the rate is associated with that year of age is the rate you will be quoted . As you might guess , this approach can be an administrative challenge for both the insurance company and the employer as it can result in people with the same level of coverage -LRB- e.g. - employee only -RRB- having different rates based solely upon their age . While more group insurance carriers are moving to this age banded rating approach , some insurance carriers calculate a `` composite '' rate for their group clients based off of the rate grid for their particular group and then bill a uniform rate amount of each coverage level . One rate for employee only coverage , one for family coverage , etc. . Your rate may also be impacted by whether or not you are a tobacco user . This is especially so in the individual health insurance marketplace though the impact can vary from state to state based upon decisions made by various state insurance departments .


Input: How Easy Is It To Switch Homeowners Insurance?

Output: Switching companies is very easy to do . As a consumer you have the right to change companies at anytime . The only thing I caution is to look ifswitchinghomeowners insurance would have any adverse effects with otherpolicesyou may have with the same company . Also if you have claims on your record you want to be sure the new agent has done all the proper underwriting so you do n't get bit in the pants by either rate changes or the possibility of being canceled for not meeting underwriting guidelines .


Input: How Easy Is It To Switch Homeowners Insurance?

Output: It is very easy to switch homeowners insurance carriers ! A great word of caution regarding coverage differences , deductible differences and carrier service reputation before you decide to switch ! In many cases , consumers see a rate increase and simply wish to jump ship as if they were offended ; the following year the same thing happens again with the new carrier . Rates are constantly adjusted based on changing statistics regarding claims and operational costs . Regarding applying to a new carrier , it is essential that information regarding prior claims , breed of dogs -LRB- pets -RRB- and credit reports -LRB- in applicable States -RRB- have all been checked prior to committed to the change . In short , the process of changing carriers could be as quick as 10 minutes due to automation that technology as brought to the industry . For a quote and further informaton , please follow : WEBSITELINK


Input: Can I Buy Renters Insurance Online?

Output: That 's a great question ! You can find several companies willing to sell you a policy online . I do n't advise it though , and here 's why . Some things are suited perfectly to buy online - concert tickets , for example , because you know exactly what you are buying . Insurance , not so much . There can be a lot of things in the small print that can have a big effect on your expected coverage and price . You also do n't have a dedicated person to contact with a question , or a claim . When it comes to protecting yourself , your money , and your family it is always better to have a live person that you know to turn to , than an internet help center . If you would like more information , please feel free to contact me , I 'm happy to help . Thanks for asking !


Input: Can I Buy Renters Insurance Online?

Output: You can buy almost anything on line . If you are confident that you know precisely what you want then the online experience might be right for you . If you search for renters insurance on line , I am sure you will turn up websites ready to service your business . The only problem is that you might not have appropriate coverage when you have a claim . That could be a financial disaster .


Input: What Does SR22 Insurance Cover?

Output: An SR22 is nothing more than an administrative trail of the status of your auto insurance coverage . The form is filed because the State licensing agency has determined a need to be aware of the status of your coverage , usually due to failing to have insurance or having committed any of several offenses of driving laws . An SR22 is merely attached to your insurance record and your carrier agrees to submit status updates to your state bureau of motor vehicles . An SR22 does not provide any coverage .


Input: Does Kaiser Have A Medicare Advantage Plan?

Output: Yes . Kaiser Permanente does provide Medicare Advantage plans . Kaiser Permanente is not to be confused with the Kaiser Family Foundation that provides a great deal of insurance information to the public . You can contact an independent insurance broker for a quote . The Kaiser Permanente 's website is WEBSITELINK


Input: Who Has The Best Homeowners Insurance Policy?

Output: The Best Homeowners Insurance Policy is available through Stillwater Insurance Company , formerly known as Fidelity National Insurance Company . This policy is the most affordable , customer friendly and nationally accepted home insurance policy . For newer homes which are well maintained and especially for homes greater than 3,000 square feet , Stillwater Insurance makes life much easier than the competition . There are multiple discounts which are easily applied to the already competitive rates , only exterior inspections are conducted thus alleviating some of the hassles of dealing with other insurance carriers . 24 Hour Claims Reporting is available along with extended Customer Service hours and a consumer friendly website for policy access . There is a link providing an online format to obtain a quote and buy home insurance online in multiple States ; it may be used by Escrow/Closing Professionals , Mortgage Professionals , Real Estate Agents and directly by Consumers . An exemplary online experience for all ! WEBSITELINK


Input: What Are Pensions And Annuities?

Output: There can be a little leeway in the definitions of a pension , but heres mine . The traditional quailed pension of the past was a basic defined benefit plan investing in the market or a more conservative portfolio of fixed instruments paying a fixed ongoing payment either for the life of the pensioner or a fixed time certain period . The benefits are taxed as ordinary income . A tax deferred annuity is a non-qualified insurance product that can pay as similarly stated above , except the distribution of basis is tax free .


Input: How Long Does Long Term Care Insurance Last?

Output: Long-Term Care insurance with most major carriers has many variables and options , one of which is the number of months/years of the benefit period . It is very important to understand exactly how the benefit period is determined , with the major difference being whether the benefits is based on daily benefits or monthly benefits . If your policy has monthly benefits , you have more flexibility in how you can use the benefits especially in regards to home health care . And if you do n't use all of your monthly benefit amount , the months/years of the policy can be extended out to last longer .


Input: Does Life Insurance Expire?

Output: Life insurance is designed to either expire or endow . When it endows the surrender value and the face amount are equal . That can happen after a specified number of years or upon reaching a specified age . Term insurance terminates . Even term policies that allow you to renew , do so only to a specified age . After that they cease altogether .


Input: Does Life Insurance Expire?

Output: It depends on the type . If you have term insurance , then yes . If you have permanent insurance , then no . Term insurance keeps the premiums fixed and guaranteed for a specific number of years -LRB- e.g. 10 , 15 , 20 , 25 , or 30 years -RRB- . After the term period has expired , the premiums change to annual renewable term insurance and increase each year -LRB- based on age -RRB- . You can elect to continue the existing term insurance policy up until age 95 -LRB- with most policies -RRB- , however , the price to keep that policy in force becomes astronomical and you would never pay it past the first couple of years . Most people replace a term insurance policy with a new term or permanent policy . Permanent insurance is designed to cover you for the rest of your life . The only way a permanent insurance can expire early is if it 's `` dialed down '' - meaning the death benefit is designed to only go to a specific age/policy year -LRB- e.g. dialed down to age 90 -RRB- . Dialing down a policy can be useful to reduce your premiums , but still provide good coverage longetivity . I hope the input helps . Please feel free to contact me for help and if you have any other questions . Thanks very much .


Input: Does Life Insurance Expire?

Output: All life insurance expires it is just a matter of when . Term life insurance is purchased by the expiration date . Term can be purchased by level premiums for 5-10-15-20-25-30-35 years . Technically term life insurance will not expire on that date but the premiums will increase drastically in most cases ten fold and expire around age 80 or 85 . On permanent life insurance or cash value life insurance , the expiration is determined by the level of premium . On a whole life or universal life you have different levels of premium known as minimum , target and maximum . The target premium can be set for a certain age . Most common is age 95 or age 100 . There are several companies that will allow the target to be adjusted to an age range of 105 to 150 years old . Which it would be a miracle to live past age 150 , but if one did , the policy would expire .


Input: What Is Medicare NPI?

Output: Medicare NPI stands for National Provider Identifier . It is a unique , 10 digit number issued to health care provides in the United States by the Centers for Medicare and Medicaid Services . This number started being used rather than the UPIN -LRB- unique provider identification number -RRB- when HIPAA was introduced in 1996 .


Input: Where To Find Group Health Insurance?

Output: Do a quick web search for group health insurance agent or employee benefits to find a local health insurance broker . Web sites such as NetQuote.com and BuyerZone.com can also help connect you with an insurance broker . Generally the group health insurance companies do n't engage in much direct selling , especially to the small & medium sized business marketplace and if you do try to go directly to a group health insurance carrier you must understand they can only talk to you about their products regardless of whether their products are the best fit for your particular needs . Finding a competent , experienced and up-to-date health insurance broker is more important than ever after all the changes to the health insurance environment after the January 1st , 2014 implementation of the latest requirements of the Affordable Care Act . The insurance carriers a layperson might assume would be the best value based upon past exposure may , in fact , be the worst value in our new environment . You need to find an insurance professional who is more than just a shopping service . There are new financing concepts being introduced to help employers mitigate the premium shock caused by the Affordable Care Act and , depending upon the composition and income levels of your work force , group health insurance may not necessarily even be the best solution for your employee benefits platform . For assistance in Tennessee , Arkansas and Mississippi feel free to contact me for advice .


Input: Where To Find Group Health Insurance?

Output: I would work through an independent health insurance agent/broker who can review options for multiple companies and create a thorough comparison between plans . Group insurance works a lot different than individual insurance and is constantly changing in the marketplace . Group health insurance quotes are based on the size of your business , the industrys SIC code , age of employees , and average employee health -LRB- for most states -RRB- . There are no instant online quotes for group health insurance for these reasons . Some of the companies that can offer group plans include United Healthcare , Kaiser Permanente , Anthem BCBS , CareFirst BCBS , Aetna , and Coventry , to name a few . Even if you already have a group plan , you may want to compare the options with other plans available to you in the marketplace . In many circumstances , an alternative benefit structure can provide similar benefits and save you huge dollars in premiums . If you would like assistance with finding a group health plan for your business , send me a message and I 'd be happy to go over the input and provide you with the necessary quotes and analysis to help you make the best informed decision for you and your business .


Input: How To Stop Medicare Part B?

Output: You can opt out of Part B by sending a letter to Social security asking that your Part B coverage be cancelled . I hope you have carefully weighed that decision because in order for you to have DRUG coverage yuo have to have Part A AND Part B . If you do not have Part B you can not have any coverage for Outpatient Services - doctors , lab , xrays , etc - unless you have VA coverage and then what happens if you need treatment at a non-VA facility . You need to weigh this question very thoroughly because yuou could be cutting your own throat


Input: Where Does Life Insurance Money Come From?

Output: Life insurance companies have large reserves to pay claims . They are regulated by multiple departments of insurance in states they do business in . By these regulations they are very conservative investors meaning the do n't take a lot of risk with this reserve money . The life insurance industry is a huge industry . According to LIMRA there is $ 18.4 Trillion of life insurance in force in the United States alone . The other little secret is about 1 % of term life insurance pay out claims . Therefore it is a very profitable industry but also a very needed industry . It is a shame that 99 % of term policies are cancelled before they are needed .


Input: Where Does Life Insurance Money Come From?

Output: By life insurance money , I assume that you mean the money the insurance company pays to your beneficiary ? It comes from your and everyone else 's premiums . Think about it . If one thousand young healthy 30-year olds buy a 30-year level term life insurance policy , all of them pay premiums for 30-years . But how many of them do you think will actually die during that 30-years ? One or two of them . Those are the only ones that will get anything back from the insurance company . The premiums from all 1,000 times 30-years will pay the death benefit for the one or two that die .


Input: What Is A Life Insurance Mouth Swab Test For?

Output: A mouth swab test is used by life insurance company underwriters for smaller face amounts in lieu of full paramed exam in which urine and blood are collected . The salvia test can show the basics to an underwriter such as tobacco use , illegal and prescription drug use and a few major diseases . The results are compared to the answers on the application for approval consideration or to see if further underwriting will be necessary such as ordering an attending physicians statement -LRB- APS -RRB- which is a person 's medical records .


Input: What Is A Life Insurance Mouth Swab Test For?

Output: Great question ! A swab will test for many things , but typically the focus is on tobacco , major diseases , and illegal substances . They do this to ensure that what is marked on the application matches what is marked in your saliva . That protects you , and the insurance company , should a claim be filed at some point for something that the swab might or might not have found . If you have more questions , please hit the ` contact me ' button , and I 'll get back to you . Thanks for asking !