Sweetask asked:


What is the difference between accidental death insurance and regular life insurance? Which is a better buy? Wouldn’t all deaths (excluding illnesses) be accident? If you only buy life insurance and don’t include accidental death insurance then what is usually excluded? Thanks!!!
(I know its different for every insurance company, I am just wondering what generally the outcomes would be)

Catherine

Inquiring Mind asked:


I’d like to know if there’s a law or rule (especially in California) regarding the time between the death and the life insurance payout.

Kim

SweetNiq asked:


I’m looking into working for an insurance company, that deals with health and life insurance. Does anyone know if insurance agents get salary pay as well as commission when they work for a large insurance company?

Tamara

chan_jay asked:


My company allow me to buy my parent’s health insurance with me. can i include that amount into my itemize deduction? even though my dad file his own tax return; my dad is not a dependent on my tax return;

Jeff

David John asked:


Free Auto Insurance Quotes -The Process

The process of  obtaining Free Auto Insurance quotes is not as hard as you think. Although  you might know what free auto Insurance quotes is all about, but you might have no idea the process of obtaining a free auto Insurance Quotes. But, Don’t worry, even if you never get  one before, and don’t know anything about Free Auto Insurance Quotes , you should still be able to benefit. After all, this industry is doing whatever it can to help  you.

To get  free auto insurance quotes, you must first start out by finding  a site that offers this service. There are 2 options, you can either  find an online insurance brokr that works with a number of insurers to get your Free Auto Insurance quotes or else go to each insurance company’s website and fill out their Free Auto Insurance quotes form. Both ways have their advantages but we definitely recommend you to go online and fill out all the quote forms. When it comes down to it, you can do whichever you think is the best.

The Next step is to provide accurate  information on yourself as well as what you are looking for in your Free auto insurance quotes. Remember, if you mess up even one detail , you may end up having  an inaccurate free auto insurance quotes in your hand. This could lead to a huge shock down  down the line when you are told that you cannot get  the price of the original quotes. Please bear in mind, to get a cheaper free auto insurance quotes,  please provide them this detail - your background, type of car, driving history, police record, date of birth.

Remember,  if you obtain more free auto insurance quotes you got, the more choices you can compare. We personally recommend a minimum of 3 free car insurance quotes. Getting one quotes is a great place to start, but this is not where you should  stop. Even if your first free auto insurance quotes looks great, you never know what the competition is going to do for you; this is until you get free auto insurance quotes from them as well. Remember to set a budget for yourself, a price that you can afford.

 Lastly, your final step is to purchase a policy from the free auto insurance quotes that you have received. This may be the most difficult decision that you are faced with; especially if there are a couple of policies that you like.

Oh ya, a  reminder from me, Insurance companies are inter-linked  with each other, it’s better to be honest with them. That’s why providing precise and accurate  information to obtain  free auto insurance quotes is really important , make sure you give the same information to every insurance company. Don’t simply try out by filling the quotes with different information, they have information exchanged everyday and they would know. You will end up receiving  free auto insurance quotes which are much more expensive and there will be no chance to lower the premium down.

More Car Insurance information can be located at : http://www.Get-Insurance-Today.Info.

Best wishes,

 David John



Adam

Dennis Alexander asked:


Whether you already know it or not California has a lot of options for health insurance. There are companies that we all heard of and there are some companies that we never heard of. With all the Health Insurance Companies out there you might be wondering what the differences are and which one is right for you.

First in state of California the health insurance companies you should be looking at are; Aetna, Assurant, Blue Cross, Blue Shield, HealthNet, Kaiser, Nationwide, PacifiCare, Celtic and new company that is going to be available in state of California is Golden Rule. These are the largest carriers that are available in the State of California. If you are looking at any other company that was not mentioned previously, use caution. With all the health insurance premiums going up there are companies that prey on people with low premiums and coverage that does not cover anything. They are just out there to make a quick buck buy collection as much premiums as they can before you cancel your coverage. Stay away from companies that you never heard of, not matter what they tell you. If you hear something like, “affordable health insurance for self-employed”, run.

Second what you have to understand that the actual cost of insurance no matter what company you go with is about the same. So how do insurance companies have so many different plans with different premiums? If it is a large insurance company and the company ran efficiently that is how you get great premium with great coverage. What creates variety of prices for coverage is the creative aspect of the insurance company designing their plans. The way they do it is by deductibles, co-pays, co-insurance, drug coverage deductibles, whether the plan covers brand name drugs or generic drugs only, maternity coverage, maximum out of pocket, deductible and co-pays for all kind of different services.

The name we all know is Blue Cross Blue Shield. Blue Cross has been around since the recession of 1929, and it used to cost only 1 cent a day. The times have changes since then, but the Blue Cross name is still around. Blue Cross has been over the years the most stable largest health insurance provider in the United States. Their strategy is to keep rates stable and have stable rate increases. While most other plans might lower their rates to get more people on their coverage and then keep increasing their rates. There fore as some plans might be more attractive in premiums at the moment over time eventually they have to catch up with the actual market health insurance cost. Sometime the company has to charge people more for health insurance in the future so they can give more affordable rates today. Blue Cross will give the one of the largest varieties of plans to choose from and you can always downgrade a plan without going through underwriting is the monthly premiums because to expensive.

The most competitive health insurance coverage you will be able to get in California today is through Aetna and once Golden Rule plans come out by United Health Care then Golden Rule plans are going to be the most completive plan. Every time most of the large insurance companies enter a new state with a new plan they make that plan more competitive just to capture the percentage of that market eventually the company will have to raise their rates to the market level. Aetna plans in California are the most competitive. This is where you can get the most coverage for your money. Keep in mind that the Aetna Individual plans in the state of California do not cover Maternity.

Assurant Health Plans is provided through Fortis Insurance Company witch is the 26th largest company in the world and Fortis Insurance Company has been around since 1892. Assurant Health Plans are the most widely accepted and flexible plans that are available on the market today. Assurant Health Plans utilizes dozens of provider networks Nationwide to give you the worlds largest selections of doctors in United States and worldwide. Assurant Health Plans are the only plans that will cover you world wide as they will cover you in the United States. There is a big difference when insurance company says that you are covered for emergencies worldwide. Insurance company can make a final decision on whether that was true emergency or not. Assurant Health Plans have no such restrictions. Assurant is the only company that will allow you to move to different state without going through underwriting process all over again. That meant that with most companies even if it is a same company if you move from one state to another you have to cancel you policy in the current state and re-apply in the state that you are moving to. The down side with Assurant in some states is that they are not the most competitive and harder to get approved for. If you considering HSA plan, Assurant Health is the best options available to individuals and families.

Blue Shield of California is great coverage especially if it is young family looking for a plan with maternity coverage and for a family where one of the adults on the plans is significantly younger than the other. Blue Shield bases their monthly premiums on the youngest primary policy holder. This can be any adult in the family. Blue Shield plans have low maximum out of pocket and wide acceptance with doctors. A lot of doctors in state of California prefer Blue Shield plans because Blue Shield reimburses them faster than most other insurance companies. Keep in mind that in some states Blue Cross and Blue Shield are the same company in state of California they are two different insurance companies competing for your business.

HealthNet of California is the insurance company available in western states. HealthNet family plans are affordable, have some of the lowest maximum out of pocket and designed for healthy individuals and families. The new line of plans form HealthNet are their popular no deductible PPO plans. Which are some of the worst plans for families. No deductible plans are not designed for families since they have extremely high maximum out of pocket witch might be a great fit for single healthy individuals. HealthNet of California also offers some of the best HMO plans available on the market. Health Net’s simple design and affordable plans are perfect match for healthy families. The way their family plans work is that once you meet your deductible HealthNet will pay 100% for all of your medical expenses after that. The down side is that their family plans do not cover regular sick doctor visits. The money that you are going to save monthly is going to be way worth no having doctor visits covered until the deductible is met. All you will get is negotiated rates that HealthNet has with doctors and hospitals. Your doctor office visits are going to cost you anywhere from $65 to $65 per visit.

Nationwide Health Plans have some of the great unique options that other plans just don’t offer. The only way you can get Nationwide health plans is by being a member of California Farm Bureau. Anyone can become a member of California Farm Bureau also know as Farmers Association. Because it is a group plans it has some options available that most individual plans do not have. You still have to qualify medically to get health insurance through Nationwide. Nationwide offers some of the most comprehensive health plans available on the market today. Nationwide health plans offer low maximum out of pocket. Some plans that they offer work similar to the way HealthNet’s plans work. Once you meet your deductible Nationwide covers everything at 100% and Nationwide plans cover doctor visit before you meet your deductible and Nationwide is the only health insurance company that has no prescription drug deductible on most of their plans. If you are looking for the most competitive HSA plans, Nationwide will be your choice.

PacifiCare is company that has been available to Californians for a long time until recently they were bought by United Health Care. PacificaCare will be replaced by Golden Rule health plans. If you have PacifiCare you might want to find out if you will have to re-qualify medically for new health insurance once they take the company of the market. Golden Rule owned by United Health Care witch known as the quality company and recommended everywhere. If you are considering PacifiCare I would wait for Golden Rule or get something else. For more great resource on Health Insurance visit www.GuideToHealthInsurance.org



Victoria

Peter Fitzpatrick asked:


Different coverage is available for different businesses. Each business has its own unique needs and your van insurance company have developed specific business coverages to address your set of needs. Some insurance coverages are common with all businesses. Business property and a type of Liability insurance are common standards of coverage. Protection of business materials, including software and supplies is considered important to almost all types of business. Protection against lawsuits with Liability insurance is also a standard with almost all business types.

First things first, find an van insurance company or broker you can trust. Ask around with friends, family or other esteemed business owners and compile a list of recommended insurance companies. Also find out what coverages they use. This way you will be well-informed before your first meeting with the agent. If available, contact your trade association and find out what coverages they recommend. This can help save considerable time and hassle.

When choosing an van insurance company that fits best for your business, find out how much they know about your business and its needs. Also, examine how long your agent of choice has sold business insurance. A seasoned insurance agent may not be familiar with your business, but they will know their product and what to recommend for your situation. Before finalizing any coverage ask your agent what steps you can take to minimize potential loss due to theft, natural disaster and workplace injury.

3 Tips to a Lower Premium

1 – Raise your deductible. The higher the deductible, the more you pay out of pocket in the event of a claim. This is one sure fire way to keep your premium down.

2 – Buy all your insurance from one company. Purchasing a “package” deal often times comes with a discount. Signing-up for a coverage here and there will only disperse your loyalty and insurance companies want all of your business! Find out if a discounted rate is available.

3 – Employ loss prevention tips. Quite often insurance companies will lower a business owner’s premium because steps have been taken to help prevent loss. Insurance companies don’t want to pay claims and they will reward the customer that shows they are responsible and on the insurance companies side.

3 Ways to Avoid an Insurance Claim

1 – Train your employees. Prevent liability and worker’s compensation claims by teaching your employees correct ways of performing job duties. This will also empower your employees and help them to take ownership of their duties.

2 – Do Regular Building Maintenance. It’s much easier to prevent an accident than to clean-up after one. Check your electric system on a regular basis. This is a source of many avoidable fires.

3 – Plan for an Emergency. In the event of an emergency, have a game plan. Train your employees for an emergency and have an easy to execute plan. This will help minimize your loss if disaster strikes.

When choosing an van insurance company, be informed and knowledgeable. Keeping these tips in mind will help service you when looking for the right van insurance company.



Rhonda

JC asked:


I got a quote for my wife and me for life insurance (20 years/400K each). I would like to negotiate a better rate with the broker (assuming same coverage).Can it be done, or are the rates fixed, is there room to negotiate. we did the blood work and were offered standard rates.

Cathy

starsandmoon73 asked:


I had surgery in June and my insurance has no deductible. The insurance company paid the doctor and the pathologist, but they wont pay the hospital. the insurance company says they havent gotten a bill. the hospital says they have sent it and received a denial with no explanation from the insurance company. I dont know what to do. I’ve asked for the hospital to send me the bill to submit myself, but they dont do it. They say they do, but I never get it. I’m so frustrated. What can I do??? The hospital has an out-of-state company do their billing or I would go there in person. My insurance company is also out of state. *sigh* help.. i have no deductible, there is no reason why they wouldnt pay, they’ve paid everything else I just think the hospital is messing up. any suggestions?? thanks!

Jeff

Robert asked:


A commercial van insurance quote in UK differs greatly from a personal insurance quote in many different ways.  Many of the ways the two quotes will differ include the type of coverage you will need and more.

One of the ways personal insurance differs from commercial van insurance quote UK is that with personal insurance you are insuring only one person.  You only have to worry about one person’s driving record.  Commercial insurance considers every driver you have with your company. 

They might not be driving every single day or the same vehicle.  The insurance company will examine every person you have with your company who is driving to see if they are willing to insure them.  You might have an employee that they deny coverage too.  You might have to find other work for this person or send them packing.

Personal insurance covers your vehicle and minimal personal items in your car.  You will have to pay a deductible and usually if there is theft in your vehicle then the theft will be less than the deductible so there is no point in making a claim.  If you make a claim and your insurance company does pay it after you pay the deductible then your monthly rates will go up. 

Usually, it is worth more for you not to place a claim with the insurance company when theft or damages occur.  A commercial van insurance quote UK will make a big difference in this realm because as a business you do want the maximum amount of coverage you can get.

This is because you might be carrying thousands of dollars of inventory around in your vans and you want the contents of your van to be covered in addition to the vans if an accident occurs.

You can, for free…



Vernon