insurance premium

    Accident Insurance Premium

    Lori Said:How much increase will I expect in my car insurance premium after an accident that was my fault?We Answered:you are looking at about 20-30% inscreaseDolores Said:Will your insurance premium go up if you are involved in accident but it is not your fault?We Answered:The answer is yes and no. It really depends on other factors that you're not specifying - like have you had any other accidents within the past three years or tickets where you were found guilty or placed on supervision. If yes to any of these then the answer is most likely as you...

    Accidental Insurance Premium

    Vanessa Said:best insurance company for group accidental policy?We Answered:You posted to the USA board, but you're suggesting Indian currancy. Ooops. There's no "one size fits all" best. And there's no short cut. You have to shop around to see what's best for your group.Enrique Said:need new auto insurance policy; have history of non accidental damage to rental carWe Answered:They will find out anyways since they run your driving record. If the claim was paid under comprehensive then they thought it was a vandalism claim. Otherwise if you did it, it would be a collision claim. So, I think...

    All Risk Insurance

    Claude Said:Is All risk Insurance policy not covers Technical services rendered by contractor? pls kindly clairfy ?We Answered:First of all, there is no such thing as an all risk policy. It doesn't exist. Second, when people talk about it, it refers to PROPERTY coverages, not liability coverages. Technical services rendered by contractor, sounds like LIABILITY exposure. And, it sounds like PROFESSIONAL liability, not general. So, There's your clarification. Property insurance doesn't cover professional liability, neither does general liability, and there's no such thing as a true "all risk" policy.Marsha Said:what is contribution of risk insurance?We Answered:you get your investment back...

    Amount Of Insurance

    Darren Said:Whats the MINIMUM amount of insurance coverage required by the state of CA for car insurance?We Answered:autoinsurance.noneto.com - try this one. I personally have their car insurance, cause it is the cheapest for me in our area....

    Annual Insurance Premium

    Christine Said:A fire insurance policy has an annual premium of $780. What is the regular refund if the policy is canceled by?We Answered:The annual is 780, so per month would be 780 / 12 = 65. 5 months were used so 65 x 5 = 325. Assuming the full amount of the premium was paid, the refund would be the prepaid amount minus the amount used. 780 - 325 = 455Paul Said:a business has its year end in december. on 1st september it pays annual insurance premium fo £1200. ?We Answered:each month of insurance costs 100. the company has prepaid 12 months worth on...

    Are Health Insurance Premiums Tax Deductible

    Naomi Said:Individual income tax question?We Answered:1) The only exclusions are tax exempt interest, qualified dividends(Depending on the dividend paid), IRA contributions that are not taxable, pensions that where rolled into a qualifying plan and not taxable and social security benefits if other income is less than 10,000. Everything else must be claimed, even what I mentioned must be put on the return but its not taxable. Even some embassy workers must claim their income.(This depends on the tax treaty between the USA and the other country) I know people who work for the world bank/IMF are tax exempt on...

    Are Insurance Premiums Tax Deductible

    Vera Said:Is Critical Illness tax deductible?We Answered:No, critical illness insurance is a bridge between life insurance and disability insurance, neither of which are tax deductible. And since the money from the insurance goes to you to help sustain your life-style, then if the premiums were tax-deductible, the proceeds would be taxable. If this was health insurance then it would be deductible, but this is more like disability insurance, which the premiums are not deductible....

    Are Life Insurance Premiums Tax Deductible

    Steve Said:health care reform y its good for the U.S?We Answered:Way too intelligent of a question for the YA section! The only way that Health Care Reform is NOT good for the US is if more than 50% of all Americans make over $250,000 per year. If that is the case, then it is probably a bad thing, since "free enterprise" would be very successful! Why anybody with a brain, making less than this would be adverse to healthcare is beyond me. It is like saying that you want to purchase a lottery ticket where 1st prize is a trip to the morgue...

    Auto Insurance Companies

    Dwayne Said:What companies offer instant online auto insurance proof?We Answered:Any company that allows you to purchase without going through an agency. Progressive, Geico, etc. but not State Farm etc.Everett Said:What are some discounts that many auto insurance companies offer that might help save some money?We Answered:Depends on the company and the state that you live in. Auto insurance is regulated by each state so it can differ from state to state. Some companies might offer: -Good student discount (if you have a B or better average, so 3.0 or higher) -Driver Training discount (if you got your drivers...

    Auto Insurance Company

    Bernard Said:How do I know if my auto insurance company is frauding my?We Answered:you can visit the company's official website from where you can know about the insurance procedure / rates etc. usually the vehicle is insured on the depriciated price and if the same company is continued every year, then they give the no claim bonuses. There is a unique number called the "Cover Note" number from which you can trakc down your insurance details from the company. Wish u luck Buddy!!!!Judith Said:How would auto insurance company know if I am unemployed?We Answered:They don't know if you are employed or not....

    Auto Insurance Premium Increase

    Lucy Said:Will a speeding ticket increase my auto insurance premium, and how much?We Answered:I work in insurance in PA and if you stay with the same insurance carrier they never usually re-run your mvr (motor vehicle report) once you are with the company. It is when you switch carriers you can be screwed.Francisco Said:can auto insurance premium be increase due to non payment due to loss of job?We Answered:Yes. Many companies give a discount when you pay your premium on time every time. If you miss a payment, you lose that discount. Also, insurance rates are affected by your...

    Auto Insurance Premium

    Jenny Said:Should I switch insurer to reduce auto insurance premium?We Answered:They do its called a CLUE report and tells other Insurance companies your past driving record, do not let this keep you from trying to find cheaper insurance but just make sure you do not cancel your current policy until you have been approved by the insurance company that gave you the cheaper rate.Louis Said:What is wrong with this picture or is this legit? (auto insurance premium)?We Answered:No, they are not robbing you in any way. It's called inflation, and the costs of doing business. A phone call...

    Auto Insurance Premiums

    Anna Said:Which vehicle would likely have the highest auto insurance premiums?We Answered:have you tried the yellow pages?.! That's by far the best way I know to find out prices. Just ask them directly. If not, use comparison sites on the net.Virgil Said:44% raise in auto insurance premiums for one accident in 19 years with Allstate Insurance company?We Answered:When you're involved in an at-fault accident you automatically become a risk. The fact that you're with a preferred carrier, they will raise your rate considerably for the accident was your fault. Loyalty is irrevelant with any insurance company. If you receive an infraction,...

    Auto Insurance Rates

    Jennie Said:Is there a significant difference in auto insurance rates when males turn 25 years old?We Answered:your friend is right, its a myth. your rates get lower the longer you are licensed and have a clean driving record.Stacey Said:Why do women get lower Auto insurance rates?We Answered:They don't EVERYWHERE - in MA, for example, women and men pay the same for auto insurance, just like they pay the same for life insurance, even though men are more likely to die sooner. Gender basis for rates vary by states. MA prohibits having different rates based on gender. In states...

    Automobile Insurance Premium

    Ivan Said:Does every driver in the household need to be registered under the automobile insurance policy (Ontario)?We Answered:Most insurance companies do require that residents of the named insureds household be named as drivers on the policy or be named on a driver exclusion form. So she's not trying to bump up the cost of the policy. She's just having you do whats required by the insurance company. It's a common practice in insurance.Lydia Said:Think about it , as consumers how long are we going to let insurance companies(All) screw us anyway they want?We Answered:If you pay $600.00...

    Automobile Insurance Premiums

    Grace Said:Who Has A Legitimate Personal Injury Automobile Claim, That American Family Insurance Company Has Given A Low?We Answered:Most of the time, with that type of injury, with a permanent, serious disability, you get offered YOUR policy limit, minus the limit the other person has. That's what you're ENTITLED to, under YOUR policy. That's what underinsured motorist pays - the difference between your limit, and their limit. And, the claim DOES have to drag on, if you've got a really high limit, and claiming a permanent disability, because otherwise, how does everyone know it's actually PERMANENT?Ann Said:We...

    Average Auto Insurance Premium

    Samuel Said:How much for auto insurance for a 2007 Subaru STI?We Answered:YOu are not the only person who have ever met this kind of problem,I met this type of problem before.I have good experience here   www.AutoInsuranceFree.info   to solve the problem.Corey Said:Is insurance a scam?We Answered:It certainly is when it doesn't work for you. If you are in a high risk area, insurers won't even look at you, yet you are probably the one needing it the most. If you suffer from an illness, you would probably be shunned by insurers or you would have to pay a lot...

    Average Car Insurance Premium

    Nina Said:How much will my insurance premium go down by?We Answered:Visit one those compare sites that are stuffed daily down our throats...

    Average Car Insurance Premiums

    Gregory Said:When they talk about averages in car insurance ...?We Answered:365 days of coverageJon Said:Teen Car Insurance Question?We Answered:There are several ways that you can consider.Call your local agent or do the online quote yourself.Take which way,it depends on your time and knowledge.Alex Said:What is a price of car insurance in Italy?We Answered:From all that I could find, the average cost will be around 525 euros and for new drivers that have never had insurance I also read that in some parts of Italy it can cost as much as 7000 euros..Victoria Said:Car Insurance in Northern NJ?We Answered:Call a few...

    Average Health Insurance Premium

    Jon Said:what is the average premium for health insurance?We Answered:You can easily check your minimal health care rates in internet, for example here - healthplans.my-age.netEdward Said:what is a health insurance premium?We Answered:You can easily check your minimal health care rates in internet, for example here - healthquotes.awardspace.infoTim Said:How much average premium for health insurance....in U.S.?We Answered:I will answer the question of what people can do if they do not receive health benefits from their place of employment. There is a new company offering low cost individual health plans in Texas for young, reasonably healthy people, and is also a...

    Average Health Insurance Premiums

    Jesse Said:When do health insurance premiums drop?We Answered:Oh God if only! Health insurance premiums NEVER drop. Instead, they will increase every year whether you use your insurance or not. It's the biggest racket. Damned if you have it, Damned if you don't....

    Average Home Insurance Premium

    Ian Said:Can anyone help with business math?We Answered:doubt anyone is willing to do your homework for you for the last one for example... a fire did 2100 in damage, but Fritz has a 500 deductible which means thats what he had to pay first. 2100 total cost - 500 out of his pocket leaves u with how much the insurance company gave him...Emma Said:Why do libs think they are doing anyone any favors for prexisitng conditions?We Answered:Well, the single payer system would have been a better choice in the first place, and still is.Debra Said:What's your monthly car payment? And Insurance?We...

    Average Home Insurance Premiums

    Philip Said:Caveat when shopping for car/home insurances?We Answered:My home insurance has an inflation adjustment of 6%. When I get the bill, I call about 3 other home insurers and get quotes. I then call my original home insurer and tell them that I'm switching to the other insurance agency that appraised my home at a "normal" value. If they don't remove the increase I switch. Try Geico (for home insurance) if you have great credit /Curtis Said:home insurance relocation fees?? ROBBED AGAIN?We Answered:You can easily check your quotes in internet, for example here - homeinsurance.awardspace.us...

    Average Homeowners Insurance Premium

    Ronald Said:What is the best way to market homeowners insurance in Florida?We Answered:MIchael, I've seen some of these new small startups. They aren't rated by AM Best, which would mean (in every e&o policy I have ever seen), that your e&o won't cover any claims related to issuing that type of policy. The last one, where I looked at the financials (a captive of Allstate, I believe) had enough reserves to pay for 500 houses. Not something I'd recommend. SO, IMO, Florida DOES have a homeowners crisis. If you've got an A RATED CARRIER, that writes new homeowners...

    Average Insurance Premium

    Tara Said:What is average Annual homeowners insurance premium in pennsylvania?We Answered:There isn't an average, because there are SO many variables. But in Pittsburgh, for the "average" $150,000 home, I'd expect about $500. But you can't find a good $150,000 home in Philly, and Philly's higher risk, so in Philly, it would probably be closer to $1200. But that's a regular home. Townhomes are different - depending on the number of common walls. Plus, your CREDIT score affects the rates a lot, too. Not to mention the CONSTRUCTION type - brick or frame??Lucy Said:How much...

    Average Insurance Premiums

    Steve Said:Is there an average cost for health insurance premiums in the US? I just want to know how much it costs?We Answered:It depends on age, where you live, and what coverage you get. It can be anywhere from under a $100 to over $500 a month. Many employers pay a portion of the cost but that only means that you are paid less.Morris Said:How much is the average cost of premiums for E&O insurance for a CPA firm?We Answered:It doesn't matter how many PEOPLE work there, only how many CPAs work there. Usually it can be added by...

    Average Life Insurance Premium

    Jill Said:Does two incomes make more sense?We Answered:"if federal tax money was stopped to for profit institutions that have CEO’s paid more that a million dollars a year, that money could be used to bring down the over all cost of health care." I think that is one of the best solutions I've heard in the whole debate. It makes conservatives happy because they don't like federal spending and it makes liberals happy because it deflates the cost of top-end administrative salaries. All in all it would actually lower the cost of medical care, unlike any other suggestions I've...

    Average Life Insurance Premiums

    Jill Said:Obamacare will cost each family an extra $1700/year in premiums; do you really want this?We Answered:Do you have a sane source for your data? Dick Morris is your source - you need help. LOLWilliam Said:How much do you value health insurance?We Answered:health-quotes.talk4fun.net - my family have this health insurance. It is affordable and has good coverage for dental issues....

    Average Malpractice Insurance Premium

    Viola Said:why shouldn't obama-ites bail out the doctors who pay such high medical malpractice premiums rather than...?We Answered:Lawyers hate doctors. Hillary did a lot of damage when she tried to overhaul it. Because she pressured Hospitals to cut cost, Hospital caused Deaths increased. Obamas savings that would partly pay for his health care program doesn't make sense. There should not be any extra savings when we are so far in the whole. What I heard is that he plans to cut money from medicare to pay for His health care reform. ...

    Average Monthly Health Insurance Premium

    Marie Said:Are conservative arguments against Health Care unfounded, rather than fact-based?We Answered:If one makes a highly profitable business out of life and death then it becomes a monopoly we can ill afford. Pun intended.Vanessa Said:Has anyone ever seen how much doctor's get paid by Health Insurance companies?We Answered:There is ALOT wrong there. Bush's old standby line "the market will take care of it", is a joke. The market (monstrous insurance companies) is raping patients, and even well-intending doctors of money like 1930 mafiaso. They are out of control.Martha Said:How much do you pay for Health Insurance?We Answered:my...

    Average Premium For Health Insurance

    Clifton Said:Is this the big health insurance lie?We Answered:Private health insurance will be a thing of the past if this bill passes. This bill makes Obamacare mandatory & they can go into your bank account and take the money out without your permission. So why would you pay for two health care policies? This bill takes away more of our rights than the "hometown insecurity bill" did. Private health care will also become a thing of the past. If you want to choose your doctor then you can go to Mexico and pay for the Dr you want. P...

    Average Premium For Life Insurance

    Maxine Said:Any suggestions or comments? Do you have any ideas?We Answered:Honey, FICA style means, PONZI SCHEME. 20% of your FICA money goes to pay current social security recepients. 80% goes to pay government workers - administration costs. And, to pay for their benefits, which are better than yours, no doubt. 0% goes into an "account" to wait for you. Depending on your age (I'm 42), you very well might pay in your whole life, and have NOTHING waiting for you, as the system is EVENTUALLY going to implode. I don't know about you, but...

    Bc Health Insurance Premiums

    Byron Said:Have you tried any of these BC pills?We Answered:Hey I will tell you what my Dr did for me. I was on Seasonique and it was expensive so he just prescribed me the generic regular birth control pills and told me to take the 1st 3 weeks and skip the 4th and go straight to a new pack. Then on my 3rd pack I cud take the last week on that pack and it would do the same exact thing as Seasonique. And its so much cheaper. Been doing that for a couple of years now.Sharon Said:Liberals..Convince me the...

    Best Auto Insurance Companies

    Linda Said:Best auto insurance company/companies in Arizona?We Answered:Try this site http://cheapinsurance.notlong.com here you can get quotes from different companies in your area so you can compare them.Becky Said:What are the best and worst auto insurance companies ?We Answered:Best is AAA, though it can be expensive (though not necessarily, if you have a good driving record). I've had a mediocre experience with Allstate years and years ago, but nothing terrible. Here's a good read on what to look for: http://money.cnn.com/magazines/moneymag/…Bill Said:What is the best Auto Insurance Company in New Jersey?We Answered:I'm going to call each company b/c it will be less time. Doing it...

    Best Auto Insurance

    Doris Said:which one is the best auto insurance in India ?We Answered:You can go for Bajaj Allianz.. nice one. Reliable. Settles Claims easily. ' but you know wat at the end of the day it mostly depends on ur luck as well. I mean the agent who is to settle ur claims might be an asshole or mayy be a gentlman. All depends.Robert Said:What is the best auto insurance company?We Answered:idk, but if i had to choose it would be giecko cause i like the little gecko that represents them :) but if u really want to know just compare there...

    Best Car Insurance

    Melanie Said:What is the best car insurance?We Answered:I represent multiple companies as I'm an independent agent. There are several that I like. Geico is a good company, but all companies rates change every year. It is definately in your best interest to shop around and check your rates. Knowledge is power, right. If they are overcharging, you will find out. An independent agent who represents multiple companies can shop several at once to find you the best rate. Good luckAlberto Said:What is the best car insurance to have?We Answered:Insurance rates are set once...

    Best Insurance Companies

    Luis Said:In India which are the best insurance companies for term plans?We Answered:icici prudential ,,,,,,,,,,Penny Said:What are the best insurance companies to work for? (health, life, or auto)?We Answered:Why not work for a company who does all of those and then some. I work for a company who does it all including investments, mortgage, debt consolidation, any and everything the consumer may need, we have it. We are located in all 50 states, Canada, Spain, and Puerto Rico. If you are truly looking to change career fields, be your own boss, and have unlimited income potential, please contact me @...

    Business Insurance Premium

    Lucy Said:how much should i pay for insurance premium for an indoor playground business?We Answered:You need to contact some local agents and get some quotes. It's going to depend on what kind of insurance you want, and the exposure base - cost of equipment, number of kids, etc. I'd expect it to run between $5,000 and $10,000 a year for liability and $100,000 property, if your receipts are under $250,000 a year....

    Business Insurance Premiums

    Roberto Said:Should women entrepreneurs be charged lower insurance premiums?We Answered:sure, if you agree that men's health insurance should be cheaper because women's health care costs more.Ivan Said:Rental Business: is it true amount of claim will not affect insurance premium?We Answered:Not true. For business insurance, both the frequency and the severity of the claim are reviewed. What they look at, on the whole, is the loss ratio - that means, the percentage you pay in, vs how much they pay out. Even if you have a 20% loss ratio (they pay out 20% of what you paid in), if...

    Business Liability Insurance Premium

    Derek Said:Please help on Another 5 True or False Accounting questions?We Answered:1. T 2. T 3. F - an example of how you can record something on one side of the equation is purchasing assets for cash. It only affects the assets but the accounting equation still balances. 4. F - the insurer would record a liability, but the insured has a prepaid expense 5. T Arthur Said:So, you think government mandates are good, huh?We Answered:the mandate will have specific minimum levels of coverage that some people may have had less insurance that would be one reason for an increase. if they are doing...

    Calculate Car Insurance Premium

    Terrance Said:insurance math question??????????? i am so desperate for help!!!?We Answered:a. E(value of claim) = sum of (value * probability of outcome) for all possibilities = ($300,000 * 1/4000) + ($100,000 * 1/3000) + ... + ($1,000 * 1/20) = $383.33 E(value of policy) = value of policy - E(value of claim) = 463 - 383.333 = almost $80 b. Probabilities add to one, and there is a higher probability of having no claim to having a claim, and higher probabilities of small claims compared to larger claims, so on average the value of claims made will be less than the premiums charged and the company...

    Calculate Insurance Premium

    Erika Said:I heard, (insurance) Premium = "_ divided by _" But what are the 2 things we divide?We Answered:You just asked this yesterday. You'll have to ask whoever you heard it from. Premiums really ARE the cost of claims plus operating expenses, divided among all the policyholders.Catherine Said:How is insurance premium calculated , especially credit risk insurance?. (This is for a non life business)?We Answered:Well, it varies from state to state, and with the policy type. Would you like a homeowners example, or an auto example?...

    Calculate Insurance Premiums

    Terrance Said:how to calculate insurance premium of motor?We Answered:I assume you mean insurance premium for automobile insurance? Your insurance premium is calculated using several factors. 1. Your driving history 2. The type of vehicle you drive 3. The amount of coverage you need and the type. 4. The deducatables you want. Each insurance company calculates this a little differently. You need to contact an insurance agent, give him your information and he can calculate it for you.Stacy Said:Why, when you have made a claim on your insurance, do your next premiums go up in price?We Answered:Every time that...

    Calculate Life Insurance Premium

    Doris Said:Math Help, problem below Please give Explanation and Answer?We Answered:First see how many thousands there are in a million. 1,000,000 / 1000 = 1,000 Now multiply $13.22 x 1000 = $13,220Marc Said:need explanation on probability theory>>>>?We Answered:they look at more data than merely "he will die" or "he won't die". Age and health come into play, along with many other factors.Kay Said:Life Insurance Statistics Help, PLEASE?We Answered:I'll get you started. In the first year, the company receives the $250 premium (at the beginning of the year, BTW) and one of two things happens: either the insured dies (prob 0.00185)...

    Calculating Insurance Premiums

    Raymond Said:Why is there a difference in policy costs for female and male drivers across the board?We Answered:It depends on what state you live in. Some states, do NOT allow different rates for men and women, whether it's life insurance, auto insurance, or health insurance. Other states do - because depending on the type of insurance, claim payouts are higher for one gender than the other. Example: women live longer than men in general, so states that allow gender differentiation, women pay less for life insurance. States that don't, women pay the same rate as the men,...

    Calculating Life Insurance Premiums

    Shawn Said:Whats the basic factors for calculating the Premium for Life & Non-Life insurance?We Answered:Basic factors for both: Age and gender For life: Weight, height, medical history, and current medical and physical condition For non-life: this covers various types of insurance such as car and health. For car insurance, that involves driving history. For health insurance, the factors are the same for life insurance.Claudia Said:help on this tax math problem please?We Answered:Annual premium for 25 year old female per $1,000 = $2.13 Therefore annual premium for $500,000.00 = $2.13 * $500,000.00/$1000 = $2.13 * 500 = $1065 Ans: $1065...

    Calculation Of Insurance Premium

    Barry Said:My ex quit her job & is back on SSI again after a child support order, is she no longer obligated to pay?We Answered:If it is social security disability, then you can file a claim against that. Each child could get a check of up to half of what she gets. SSI is for low income disabled that has paid little or nothing into social security. If I were you I would find out what she is drawing cause if it is ssdi then you can get some to help support the kids, but if it is ssi...

    Can I Deduct Health Insurance Premiums

    Timothy Said:can i deduct health insurance premiums withheld by a cafe 125 plan?We Answered:You have already deducted them. The income isn't in Box 1.Terri Said:Can I deduct health-insurance premiums not when my S-Corp is operating?We Answered:No, the expenses have to be incurred during the period the S Corp was in existance. Pre-incorp health insurance premiums are not deductible. Why not incorp before you leave to travel?Myrtle Said:Can my employer deduct health insurance premiums after coverage is canceled?We Answered:You can only cancel your employer group coverage in accordance with the employer's group plan provisions. Some plans only permit that...

    Can You Claim Insurance Premiums On Taxes

    Joel Said:can I legally claim 9 on my tax return?We Answered:The only way you can claim 9 on your tax return is if you had yourself and 8 dependents, or yourself, a spouse, and 7 dependents. Your friend is dead wrong. It is true that you don't have to file every year, but that is only if you don't have taxable income and any federal or state withholdings. If you owe money you need to file a tax return and pay what you owe, and if you are owed a refund, you need to file a tax return to claim...

    Can You Deduct Health Insurance Premiums

    Allen Said:Can you deduct health insurance premiums taken out of your check each week to lower your ajusted gross income?We Answered:jeff's right. the only way to claim them is on the sch a. med deductionsKathleen Said:Can I deduct copays and medical insurance premiums?We Answered:healthquotes.awardspace.info - here is my health insurance plan. As I remember they can provide such a service.Michael Said:If your employer deducts health insurance premiums from pay, but you find out insurance is cancelled HELP?We Answered:Call your local department of labor and tell them the situation. They will give you the number for the securities and...

    Can You Deduct Life Insurance Premiums

    Rafael Said:Can an auto insurance company legally collect for unpaid premiums?We Answered:No, don't pay them. Just switch companies. It's their mistake, their problem. The only real issue is if you ever used the insurance on a claim or not? If you did, than you would be liable for the premium or the damages. If no claims were paid out, than it's a wash. Insurance is for peace of mind sake and to satisify the BMV laws. You have to have coverage according to law which means if you get a random letter asking...

    Car Insurance Calculator

    Edna Said:where can i find a basic car insurance quote?We Answered:Your estimate is based on all that information. Want a quote? Fill in the blanks.Leonard Said:How much will I get from my insurance claim?We Answered:Hello. I had an accident back in 2000, someone hit the back of my car at low speed. I suffered a neck injury but recovered with minimal supervision. The insurance company sued the other party successfully for £1700 + damages to the car (approx £800) Chances are that if you are having to have lots of physiotherapy (and make sure that your insurance company actually knows that you...

    Car Insurance Companies

    Phyllis Said:How do Car Insurance Companies Decide who is at fault in accidents?We Answered:Read the road code mate. And If you feel further, look into the Butterworth Law Books. That's where even the police must study before they can enforce law.David Said:Are there any car insurance companies that don't use a social security # when determining your rates?We Answered:The reasoning behind this(and the insurance companies have the numbers/charts to prove it)is that people with poor credit have a higher potential for making a claim, or for making a fraudulent claim to get cash because they have financial problems. This does not...

    Car Insurance Comparison

    Ashley Said:Car insurance, Comparison Websites and Credit checks?We Answered:The credit checks that most insurance companies do is what is called a soft hit. This is what is ran on you by advertisers (the things you get in the mail for credit cards). I work for an insurance company and during training through out the year I run between 50- 100 quotes on myself in different states. My credit score is virtually unchanged by running these quote. My credit score over last year went up 10 points, even with all the soft hits on my report.Norma Said:What's the best price comparison...

    Car Insurance Premium After Accident

    Sherri Said:Need help ASAP. Is it possible to get retroactive car insurance after a car accident?We Answered:No. You can not get insurance after the fact to cover the accident. If this were allowed...no one would carry insurance. Every one would drive around uninsured and only purchase insurance after a wreck. Then the insurance companies would go bankrupt because they are paying more in claims than they bring in with premiums. When a policy is in Lapse status...that usually means the premium is due or the policy is in the grace period. (some states have a 10 day grace period to make a...

    Car Insurance Premium Calculation

    Lorraine Said:Homeschool, homework HELP in comsumer math pt.3 from penn foster?We Answered:Please do not solicit answers on Y!A, as this is considered cheating. If you need help, please contact the school at: http://www.pennfoster.edu/contact_us.htm… Penn FosterPatrick Said:May I please get some educated help?We Answered:if you had spent the same amount of energy reading your textbook that you spent typing all that in you would know the answers and you would benefit from the experience. no one is going to do your homework in life.Ken Said:I need help with my work so can someone please answer the following questions so i may compair.?We Answered:You are NOT...

    Car Insurance Premium Comparison

    Grace Said:car insurers recommendations?We Answered:Is Third Party, Fire & Theft Motor Insurance no longer available? Comprehensive cover gives increasing "no claim" discounts each year. It may be cheaper, if you are a UK citizen, to persuade your parents to put your car in their names and put in your name as additional driver. Now I understand why so many young drivers just buy an old banger and don't bother to insure, but please don't do that. Good luck. God bless. GladgranGilbert Said:Car insurance - What's the car worth?We Answered:Unless you have a guaranteed write-off valuation...

    Car Insurance Premium Increase

    Ernest Said:Will a ticket for driving a car with an expired registration increase my insurance premium?We Answered:tickets for non moving violation usually do not show up as bad driving and therefore do not increase premiums, this includes things like expired registration, a parking ticket or expired inspection ticket.Catherine Said:If I ask my insurance company to fix my car will my premium increase?We Answered:I'd pay for it out of my pocket unless it will take allot of money to fix your car. You can bet your rates will go up if they don't cancel you. The when you go to...

    Car Insurance Premium Rates

    Jeanne Said:If you report a claim for homeowners insurance do your rates go up (like car insurance)?We Answered:I would consult your agent before filing a claim. Call him/her and give them a "what if" scenario you are having and make sure they understand you are not filing a claim. Your agent should be able to give you a good answer and he/she should even visit with Underwriting to give you a more solid answer. The quality of insurance company (i.e. USAA/State Farm vs Allstate) will depend on if your rates go up as well. ~ Get an estimate for...

    Car Insurance Premium Singapore

    Melinda Said:How much do you pay for car insurance in Singapore?We Answered:Since Traffic Police had introduced the new rule for minor traffic accident (non injuries case, where no Police report is required), the insurance premium had increase ridiculously over the years. I used to drive a 1992 Nissan Sunny, the insurance premium NTUC quoted was $4700 for a 3rd party. increase of almost 1000% from $600, after an accident claims 2 years ago. This really "encouraged" me to give up driving. I had made several enquiries to NTUC, and was told that most insurance companies are making loses due to accident...

    Car Insurance Premium Tax

    Carmen Said:Ex husband deducts car insurance premiums from alimony?We Answered:So... What is your question? That's the way this works you know. YOU ask a question then WE answer it. Simply making a statement of fact does not a question make.Clinton Said:Why is my car insurance premium so steep!?We Answered:Your friends aren't paying for theft or fire while you are. Also, use http://www.simplyinsurancequotes.com/ukm… they are the best I know in the UK.Beatrice Said:Are there possible tax breaks for buying a car? Other tax breaks?We Answered:The car - if you itemize, and deduct sales tax rather than state and local income tax, you could deduct...

    Car Insurance Premium

    Jenny Said:Is my all state car insurance premium too expensive in Atlanta?We Answered:Quite a few companies have been increasing their rates lately due to increased claims and Allstate was probably one of them. The price sounds about right (for full coverage) but if you really care, call some agents working for other insurance companies and ask for a few quotes. You might save a few bucks a month.Debra Said:Will my car insurance premium increase if I was the victim of a hit and run and report a claim?We Answered:It probably will, but maybe not. Still, in your case you should get...

    Car Insurance Premiums Increase

    Christina Said:will my car insurance premium increase if others car crashed into my car?We Answered:It should not if it was not your fault.Lisa Said:Will my car insurance premium increase -- although I have not made a claim for a recent accident ?We Answered:Let me try and clear this up for you. Although you did not make a claim for your damages the other person did make a claim for their damages and it was probably your insurance company that paid for their damages (as you were at fault) Any insurance company you go to you would have to inform them that you...

    Car Insurance Premiums Rise

    Melinda Said:will my car insurance monthly rise if i add my husband as a driver?We Answered:you should go to http://u76.org/qc4 and see the different quotes you can get. its reallly easy to use and got me the best price and i saved about 350 dollars.Lorraine Said:No claims, yet car insurance premium still rising. Am i paying for?We Answered:Covering uninsured drivers Whiplash payouts - genuine as well as false No win no fee It's no wonder there are unisured drivers when they get caught and pay the fine - it's cheaper than insurance. That's what pisses me off.Manuel Said:How much would my insurance...

    Car Insurance Premiums

    Yolanda Said:How much would a job delivering pizzas affect my car insurance premiums?We Answered:Your insurance agent will have the definitive answer of course. Generally speaking, if you are using your vehicle in your job as a delivery vehicle, you are now commercial rather than personal usage. Commercial will raise your rates, but as stated, only your agent can tell you how much. Please don't be tempted to just not mention it and avoid the increase. If you do, and happen to have a claim you won't be covered because you didn't follow the requirements of your...

    Car Insurance Quotes

    Bryan Said:Where can I get car insurance quotes online?We Answered:Assuming you're in the USA; http://www.AutoInsureUSA.info is a great resource. It is a simple Zip Code Submit Form. Once you submit your Zip Code, you will be presented with a list of Car Insurance companies available in your areaMelinda Said:How to check multiple car insurance quotes at once?We Answered:As a 20 year insurance agent, I'll be happy to share some advice. Getting a quote over the net is convenient and quick, but often times VERY inaccurate. The quote is often given without actually running your MVR (motor vehicle report) because that costs...

    Cheap Auto Insurance

    Travis Said:Cheap auto insurance? What is a cheap auto insurance company in Arizona?We Answered:If you want to find your lowest auto insurance quotes, try this site http://Cheap-Auto-Insurances.info Here you can get quotes from all auto insurance companies in your area. Its the best way to find an affordable auto insurance with a reliable company.Larry Said:Can anyone tell me how do you get cheap auto insurance rate and from what company or any website or link?We Answered:Try this site http://www.usainsurancequotes.net/ here you can compare quotes from different companies in your area.Jay Said:Does anyone know of any CHEAP auto insurance I can get in Virginia?We Answered:get...

    Cheap Car Insurance

    Ray Said:What is a cheap car insurance company?We Answered:Insurance rates vary SO much from person to person. It's based on some of the following: Your car type, policy you want, even who you live with and credit score you have. insurers base their quotes on different factors for different people, Just take some quotes online, phone some brokers offline, walk into a broker's office.Hilda Said:what is the best car for cheap insurance?We Answered:You can check insurance group ratings at http://www.abi.org.uk/carinsurance/searc… - the lower the group, the cheaper the insurance. The best thing to do is get a quote through a insurance...

    Cheapest Car Insurance Premium

    Minnie Said:How to bring car insurance premium down for a young driver?We Answered:Do NOT do what "JAN409" is doing as she and her son are fronting and that is fraud!! Her son is currently driving round with no insurance and if in an accident then they are liable for all payouts and they will be prosecuted for committing fraud. Silly risk to take just to save money and most people seem to think it is fine to do it. To get the cost down stick to group1 insurance cars, you can add a driver with experience to YOUR policy to help...

    Classic Car Insurance

    Edna Said:Where to find a good place for classic car insurance ?We Answered:I recommend you this site where you can compare quotes so you can find the best option for you http://Cheap-Car-Insurance-USA.infoTodd Said:Does any insurance company offer insurance for a classic/antique car that is not parked in a garage?We Answered:With Google and "classic car insurance", I got over 7,000,000 hits, so you should be able to find one there that will take it that way. It may cost more if it's stored outdoors because of more expopsure, but should be available.Harold Said:Around how much would classic car insurance be for...

    Close Premium Finance Insurance

    Joel Said:if you had to guess, do you think my insurance will be high?We Answered:Do NOT buy a car you can't afford. You're just a kid - don't mess up your credit already.Erika Said:How badly would you be affected if Medicare was shut down?We Answered:My wife and I are both on disability pensions and reach the SafetyNet on prescriptions by Anzac Day each year. Where would we be on our $12,000/ year with close on weekly visits to the doctor and our many scripts per year and no superannuation to fall back on. We are battling now with the increase...

    Close Premium Insurance

    Sharon Said:Not Notified of Employer Health insurance Premium increase!?We Answered:They don't HAVE to notify you. There's no requirement for them to do so. There is no "proper notification". No such thing. So yes, they can do that.Alexander Said:Health Insurance premium raised $160 this year Is this Allowed?We Answered:Yes, a health insurance company can raise premiums. But, you have options- first off you mentioned you are a business owner. Business owners need to make some tough decisions to stay in business, a plan was created specifically for business owners called "health savings accounts" (Aetna and most...

    Commercial Property Insurance

    Chad Said:Forum for Commercial Property Insurance?We Answered:Yes - and it's not about surplus lines, either. I think they're trying to verify that the replacement materials were purchased, and labor was charged to install them. The question is a bit vague, though, and I can't figure out how "forum for commercial property insurance" ties into a claim issue....

    Compare Auto Insurance Premiums

    Irene Said:Can anyone translate this script? (English to Spanish)?We Answered:Hola, ¿puedo hablar con (-----)? Hola, este es (-----) y estoy llamando, porque aquí en la Oficina Agrícola de Seguros de ahorro son las familias como la suya a un promedio de $ 528 por año en su auto y casa primas de seguros, y me gustaría preguntar a ustedes tres preguntas rápidas para ver si le podemos ahorrar dinero también. ¿Quién tiene actualmente con su seguro de auto? Bueno, por lo general se comparan favorablemente con ellos. ¿Cuánto tiempo ha estado asegurado con ellos? Eso es bueno porque le damos...

    Compare Car Insurance Premium

    Wallace Said:Allstate car insurance...?We Answered:Yes Kelly is right. Having a lien on the car is one of the few things that doesn't make a difference in rates. If you have a leinholder, you are required by them to have comp and collision, if your car is lien-free, you are not obligated to have those. Although if you have a less than ten year old car and/or it's your only source of transportation, you still may want to have these coverages....

    Compare Car Insurance Premiums

    Felix Said:Car inusrance. Where to get free quotes ?We Answered:Any company will give you free quote because they want your business, remember, they are trying to sell YOU a product. Anyone that tries to sell you a quote is trying to scam you. Any time I have gotten rates from Geico and/or Progressive, they have been higher than any of the others that I have checked. Try these: http://www.countryfinancial.com/SiteCont… https://www14.ameriprise.com/AutoQuoteWe… http://www.amfam.com/insurance/ http://www.nationwide.com/index.jsp These are all good, reputable companies, and I find that their rates are better than Geico and Progressive, and all those other companies that promise low rates but don't deliver. Good Luck!Milton Said:getting a ticket...

    Compare Health Insurance Premiums

    Wayne Said:why star health insurance premiums are cheaper than other companies ?We Answered:do they offer the EXACT same coverages, co-pays, deductibles, etc? Do they have the same doctors as in other plans?Christine Said:Premium Health Insurance?We Answered:health-quotes.isgreat.org - my family have this health insurance. It is affordable and has good coverage for dental issues.Johnny Said:If employment based health insurance has increased 120% in 10 yrs, is it likely to again over the next 10 yrs?We Answered:Let me tell you all of a hard reality. Our present health care system has some serious flaws. For instance, when you hear of a senior that...

    Compare House Insurance Premiums

    Kristina Said:Should there be a marriage penalty for low and middle class families in the healthcare bill?We Answered:I was wondering if anyone would bring this up. the same thing happens with taxes. It isn't really a marriage penalty as much as it is an income penalty that applies to a married couple as a single unit. Notice the article does not say what the premium cap would be for a married couple with a combined income of $25,000. That would provide a true apples-to-apples comparison that would indicate a "marriage penalty"Sue Said:asking again, comparing these 3 Allstate home...

    Compare Insurance Premium

    Ronnie Said:why insurance companies fix higher premium for higher age people?even the client is healthy.?We Answered:Health declines with age. Period. It's all about statistics. The older you are, the closer you are to illness or death. It's not a matter of IF our health changes, but WHEN.Valerie Said:Does Joe Biden understand how group health insurance is paid for by the employees?We Answered:Yes, he does. But as he pointed out, McCain doesn't. next...Kyle Said:What is the cost of insurance on a Prius?We Answered:Depends on you, your age, your location of where you live and your driving record. Its free to get insurance quotes from...

    Compare Insurance Premiums

    Tiffany Said:Compare car insurance with health insurance, car insurance is a law, health insurance isn't why?We Answered:Car insurance that is law is liability to someone else. I have a car with only liability by my choice. If I wreck it, insurance won't fix it. Health insurance is not a liability issue and if a person chooses not to have it, it should not be law that they do.Yvonne Said:Is there a website where I can compare how insurance rates differ by city?We Answered:You can't find it on the internet, but you can go in person to the state insurance department,...

    Compare Life Insurance Premium

    Tina Said:why is my car cheapest insurance £4000.00 when i have a 1.2 litre with 1 years no claims?We Answered:Two things - 1. Insurance has increased by 11% in just the 3 months from April to July this year 2. Quinn Direct, who did a lot of younger driver insurance are no longer doing policies at all for new customers or even renewals for old ones thus pushing the prices up I am 49 and could not get a 350z insured legitimately with a normal set of terms for £1500, with 2 year NCB max, and I have a low risk job,...

    Compare Life Insurance Premiums

    Debra Said:WHY does the new Obamacare bill tie insurance to your employment?? This is an out-dated idea!?We Answered:"Tying into the employment is out-dated. Why is this benefit still pushed? " Because the Republicans screamed and hollered, and the Blue Dogs sold out, and the lobbyists spent a ton of money, and the Tea Baggers got confused. Don't worry. It'll get revised out over the years.Claire Said:Is General Insurance halal in Islam?We Answered:No, you need a takaful program, if you're looking for halal....

    Compare Term Insurance Premium

    Erica Said:Which Bajaj ULIP should i go for?We Answered:im not really sure. think you should go with UGP gold. ill get back to you.Gilbert Said:Problem 8-1A acc 225 week 8 due day 7?We Answered:Please do your own work. You learn better that way./Loretta Said:Which bajaj ULIP plan should i buy?We Answered:I do not support investing in ULIP due to the charges. Mortallity charges do not play major role in overall charges taken by insurer so do not consider that. Mainly it is policy admin, Premium allocation, fund management & other special accural charges ( in some plans) that eat lot of your...

    Contents Insurance Premiums

    Joy Said:Should big breasted women be forced to pay more for contents insurance?We Answered:Should big mouthed men get a kick up the ar$e?Anna Said:Groupama contents insurance, have you claimed with them?We Answered:The problem with items like televisions is that people actually want to use them! This causes a problem for insurers who often like to drag out claims for weeks: > Phone in the claim > They send out a claim form > You send it back with proof > Claims department checks it over > Possibly a repair guy is sent round to see if it can be repaired > Repair guy sends report back...

    Cost Insurance Premiums

    Allen Said:How much would a 39% increase in your health insurance premiums to cost you per year?We Answered:Considering we pay..out of pocket...$18,820 a yr for our health coverage...too much. That is why we are moving back to England in a couple of months. A decent country! DonnaJason Said:Does having a high cost surgery increase my companies insurance premiums the next year?We Answered:Hmmm...I hope not. My 2 yr old just had open heart surgery (Rostelli/Senning procedure) and his total cost came to just under $357,000.00!Clyde Said:If one chooses to pay the fine, instead of paying the outrageous cost of insurance premiums, as...

    Cost Of Insurance Premiums

    Javier Said:What would the premiums cost for government health insurance?We Answered:That is a good question. A whole lot of people are going to be disappointed when they find out they they will be forced to buy health insurance otherwise facing a fine. I don't really see how that is reform. People can choose to go out and buy insurance now, so what is the advantage? And how will costs be controlled? In some states, like California where I live, auto insurance is mandatory. Instead of decreasing costs, providers charge more, as anyone who has taken their car in for collision...

    Cost Of Life Insurance Premiums

    Leona Said:Isn't your Insurance premiums just the same as "spreading the cost around"?We Answered:idk but i pay 15 grand a year. and my out of pockets cost went up again this year. ha. it has nothing to do with how many ppl have that insurance. its how much they want to makeGene Said:Can Aviva life insurance take one more premium when I surrender the policy and not provide the insurance?We Answered:It doesn't sound like they intentionally delayed processing the surrender so they could get one more premium. They just aren't that hard-up for money. The premium payment people...

    Costs Of Insurance

    Richard Said:Does getting a motorcycle license increase life insurance costs?We Answered:No, it does not. But, smoking does.Andy Said:In BC how much difference in insurance costs is it based on the cost of the?We Answered:You would be better off contacting an Autoplan agent and asking them to tell you how much it would cost to insure the new vehicle. Keep in mind the year, make and model are more important in determining the premium than the cost of the vehicle. Keep in mind if the vehicle you're purchasing has been modified then this must be declared when registering the vehicle...

    Credit Insurance Premium

    Clifford Said:When buying auto insurance, why do they do a credit check?We Answered:It's like prior speeding tickets - insurance companies have found a direct corrolation between credit score, and claims paid out. There haven't been any studies, to the best of my knowledge, WHY people with lower scores have more claims filed, and more paid out on claims - so anyone who says "it's because you don't maintain your car" or "its because you driver carelessly" is talking out of their hat (or, SHOW ME THE STUDY!!!). But I have seen the charts with my own eyes!! That...

    Critical Illness Insurance Premiums

    Carl Said:Insurance Premium Not Guaranteed?We Answered:Do you mean that the premium can be increased by the company? Then the answere is yes. Critical illness fallls under the category of health insurance and premiums can be increased on a class basis, which means everyone with the same policy gets the same increase. They can not single you out for an increase as an individual.Ben Said:Is amount received from Critical Insurance taxable?We Answered:Is it a standalone policy or is it part of your benefits package? Some benefits packages are taxable, some aren't. If it's a stand alone...

    Critical Illness Insurance

    Ricky Said:Where I will get critical illness insurance in India?We Answered:A Critical Illness insurance means you can insure yourself and your family also against the risk of serious illness. There are many insurance companies providing health insurance but only few are good in critical illness insurance. HDFC ERGO provides critical insurance policy which covers all serious ill and big sum amount treatments like heart attack, cancer, stroke, paralysis and many more. It is also includes tax benefits. I am sharing my personal experience with you, this policy really worth. you can visit their website also. http://www.hdfcergo.com/CriticalIllness.…Albert Said:is there such a thing...

    Deductibility Of Health Insurance Premiums

    Ramon Said:“have the strength to destroy this country forever.”.....is this how the GOP plans on winning?We Answered:The policies that Obama wants instituted will destroy waht the country is about. I do not want our legislators placating people with lies. That is how we got Obama in the first place. I much rather have someone with passionate honesty.Cody Said:Would you like to try Michelle Bachmann's plan to solve health care before rushing to government control?We Answered:You forgot her plan : "make a covenant, to slit our wrists, be blood brothers on this thing. This will not pass. We will do...

    Define Insurance Premium

    Shelly Said:Why did Obama need 2074 pages ?We Answered:he types with 72 size fontGladys Said:Is Universal Healthcare Detrimental to Your Health?We Answered:Absolutely it will be detrimental. Not only to Americans, but also to all the Canadians who come here for care they will not get in Canada. Canada also does not have the minorities killing themselves and others at the rate in US. This is one factor skewing the statistics. They also measure live births in a different way, including survival of premature babies. Our government screwed up the community health care by backing HMO's,...

    Definition Insurance Policy

    Jennifer Said:What is the definition for "unoccupied" when applied to house insurance?We Answered:No, sorry. You'll probably need to refer to your policy to see if it's defined there, because any policy definition takes priority over the common definition. Normally it means, you still live there legally, but aren't there for a reason - typically would be, because you are in the hospital or on vacation. A non-owner occupant, ie, your sister, doesn't count. Are you going on vacation for three months? If that's the case, I'd just be honest with your agent and tell...

    Definition Insurance Premium

    Alma Said:more help.....maybe?We Answered:No offense, but you should be able to get these answers using the glossary in your book very easily. A. Base price - the first amount listed on a car's price B. Transportation and Handling - a delivery fee charged to the buyer of a car C. Liability insurance - a policy that pays for damages in an accident D. Premium - the amount paid for insurance E. Average - the middle point in a group of numbers (NOTE! THIS IS WRONG!!!! The answer should be "median". The average is the mean, which is computed by summing...

    Definition Of Insurance Policy

    Thomas Said:Can I be added to my fiance's health insurance policy?We Answered:HE would have to do it. You can't do it without his permission and consent. Civil unions between opposite sex couples, are called "marriage" in NH. So, NH doesn't REQUIRE the insurer to add you, the live in girlfriend, to his policy. And you're no relation to him until you're actually married. It's going to be up to his employer (a few of them will add opposite sex shacking up partners), and him, of course. Odds are, you can't be added until you're...

    Definition Of Insurance

    Danny Said:what is the definition of life insurance reserves?We Answered:The amount of money that the insurance company is required to set aside solely for the purposes of paying the claim in the future. There are restrictions on how the company can invest this money because of its purpose. The NAIC sets most of the reserve requirements and companies who are NAIC members comply. "AG38" or "article 38" was one of the most significant changes in reserve requirements in years if you want to google it.Kristin Said:What is the definition of insurance agent?We Answered:I've reviewed the answers given...

    Dental Insurance Premium

    Penny Said:I'm 28 healthy female need health insurance.What is the best price for a premium plan with dental and where?We Answered:Ha. I'd like to know myself. Healthcare in the US is astronomical! I am divorced and had to get my own health ins.. I had Aetna HMO with no dental ins. Can't afford that! It kept rising every year almost $100.00 until I finally was paying over $600.00 per month with no dental! I switched to Horizon Blue Cross Blue Shield of NJ. I pay less than Aetna, but it's still same plan, with no dental, $30.00...

    Dental Insurance Premiums

    Dana Said:If I itemize my tax return, can I claim my health/dental insurance premiums?We Answered:Yes as long as they were not deducted from your paycheck on a pre-tax basis. But only medical expenses exceeding 7.5% of your adjusted gross income get deducted on Schedule A.Sara Said:How much does an employer typically contribute towards an employee's health/dental insurance premiums?We Answered:There is no "typical". It wasn't long ago that major employers with deep pockets would pay 100% of the cost. Even these employers have been squeezed by the relentless increase in health insurance. To compensate employers have been increasing deductibles and...

    Disability Insurance Premium

    Yvonne Said:If a person receiving social security disability who has their own medical insurance?We Answered:im on disability and have anthem ins from my wife's job....don't do it [drop ur part a&b.... 1 wife could loose job[and ins] could change jobs and get no/crappy ins 2 to sign back up it costs a lot..once your eligible and don't sign up the longer u wait the more it costs 3 with private ins the part a&b pays part of your deductible.... read your SS/disability hand book before you do anything...read it carefully!Samuel Said:Can I enroll in employer short term disability insurance even though I declined...

    Disability Insurance Premiums

    Milton Said:Are rates for disability insurance different in different states?We Answered:Pricing differences in disability from state to state only occurs because of product availability. Since you would be exercising the rider on the same product, the state would have no bearing.Virginia Said:Health Insurance premiums while on disability..who covers you when you're ill?We Answered:It's possible that the company changed their policy from the time you had your last child. The new policy you state is more the norm. They may have had issues with people not returning to work and recouping their money, so now they make you responsible for...

    Employment Insurance Premium

    Charles Said:Auto Insurance Income?We Answered:You can compare how the insurance quotes would change, for example here - autoinsurance.noneto.comNathan Said:I am looking for employment status of a particular individual.?We Answered:You should let Child Support Services take care of that for you. They can obtain the information legally, and you can't be held liable for anything that your ex might want to use against you. If your caseworker doesn't seem to want to help, go above her head to her boss! Trust me..ex's can be cruel! Just cover your ****! Good luck!Danny Said:How can I collect benefits from Employment Insurance Canada? I...

    Family Health Insurance Premiums

    Marcus Said:Do you know my family's Health Insurance Premium is already being raised thanks to Obamacare?We Answered:The bill we got was crap. No doubt about it. But what I find ironic is medical tourism is on a huge rise now. We, the people successfully killed any suggestion of socialized medicine and got ourselves this ridiculous compromise of mandatory health insurance. We kept our private health care industry and fought the attempt to provide health care to everyone with taxes. Instead we are required to buy insurance which will in theory pay the same amount...

    Fha Insurance Premium

    Regina Said:why am I not being refunded my morgage insurance premium of 1900.00 when I pay off my FHA loan?We Answered:You should be. On your mortgage payoff papers, there should be a pro rata return of the PMI. You'll need to ask to have that calculated. Normally, it's considered part of the escrow calculations, and with your mortgage paid off, you're entitled to a final accounting of that escrow account....

    Financing Insurance Premium

    Edwin Said:Where do the transactions affecting cash go inrelations to opearting, investing, or financing activitiy.?We Answered:It depends....are you doing the direct or indirect method? "Credit Purchases" means you purchased something without paying for it - no cash involved, so under the direct method, it means it doesn't go on the statement at all. If the indirect method, the increase/decrease in the account could be used to calculate the amount of cash spent, but not enough info is given here to do that. Same for credit sales - no cash involved, direct method,doesn't go...

    Financing Insurance Premiums

    Marvin Said:Is Insurance Premium Financing a good investment?We Answered:It may be a good investment to protect yourself depending on how much you pay, but a very bad investment to build wealth.Mark Said:Can I switch Car Insurance 2 weeks later if I am financing a car?We Answered:You can switch at any time.Sara Said:why are these insurance premiums so high?We Answered:I was with Geico for a year or so, believing them the cheapest (nice ads!), but went to Progressive and have found them more than reasonable. Premiums are based on lots of factors, but the highest-priced ones are your age, driving...

    First Premium Insurance Group

    Kathryn Said:What to do about Young Driver's car insurance?We Answered:You may be looking in the wrong places. Online quotes are notoriously inaccurate and unreliable. Ring some local insurance companies that have an office staffed by some professional insurance agents.Robin Said:Mini Quiz...Help with some confusing insurance questions...?We Answered:1. C - executive. 2. It could be a "contract", but the question is weird! 3. I think you're looking for "quote" or "quote indication". It's not a contract without money. 6. Yes.Vivian Said:Health Insurance Premiums and taxes...?We Answered:Having worked in this field for years...

    First Premium Insurance

    Allen Said:Is it normal for a H.Insurance company to delay taking the initial premium for first months coverage?We Answered:Insurance companies do not use such a stall tactic. Your first mistake was signing up online and being your own agent rather than using a local agent. A local agent can track the application and make sure it gets issued and stave off any problems. Plus, they don't charge you any extra for this service. Now, you have to do it all yourself. In my state most companies will not even start to process an application until they've received payment. One will process the...

    Flexible Premium Life Insurance

    Kelly Said:opinions on licentive life legacy form axa?We Answered:First thing you should know that life insurance is never a great investment for any purpose. Life insurance's main purpose is to replace your income in case you die. If you want to learn more about "flexible premium variable life insurance" which is really called "Variable Universal Life Insurance", read my research by going here: http://finance1o1.blogspot.com/2007/01/u… If you want to invest, stick to true investments such as mutual funds, stocks, bonds, and so on. Don't mix insurance with your investment. Insurance is to protect your assets, investments is to build wealth.Judith Said:What is a...

    Flexible Premium Variable Life Insurance

    Laurie Said:What does flexible premium variable life insurance mean?We Answered:http://www.answers.com/topic/flexible-pr…...

    Flood Insurance Premium

    Perry Said:Can you legally be charged for Flood Insurance for a period 3 years in the past?We Answered:You're going to need to pull your original loan papers. IF when you took out the loan, you were NOT required to carry flood insurance, then they can't make you add it. If there is a provision for a revision, that would subsequently make you carry flood insurance, there's no doubt a notification period - and they apparently have violated that. Your loan is under the ORIGINAL terms. Now, if it was originally requiring flood insurance, and someone there missed it...

    Flood Insurance Premiums

    Cecil Said:Should Congress allow the National Flood Insurance Program to charge market premium on all covered risks?We Answered:Yes, the government should not be in the insurance business. This plan just lets people build where they should not and has no benefits.Harry Said:FLOOD INSURANCE PREFERRED RISK APPLICATION - WHERE TO FIND WITH THE APP. WITH THE CORRECT PREMIUMS/cOVERAGES?We Answered:Browse thro any insurance company's rates.Jason Said:Flood Insurance premiums are killing me. How can I get out of that?We Answered:If your home is in a FEMA-designated 100-year floodplain, federal law requires your lender to require flood insurance. The only ways to "get out...

    Fred Loya Insurance

    Leroy Said:fred loya insurance employer id needed to complete taxes?We Answered:Do you need a tax id? If so go to IRS.GOV. Pick the small business section. select the emp id # (on the right side ) click how to apply. Click apply on line. Click apply on line now. Its that easy!!!Peter Said:How is it that Fred Loya Insurance doesn't charge broker fees?We Answered:The Fred Loya Insurance company as a whole, is not a scam artist. Insurance is regulated by the state, so most agents tend to try to be "good". Though I'm sure a few slip through and...

    Free Insurance Quote

    Rafael Said:Where can I get a free car insurance quote for local insurance companies in my area?We Answered:From the local agents in your area. Most do not charge to give you a quote.Margie Said:TD canada trust free insurance quote?We Answered:You should be able to call them back and confirm that they did not issue a policy for you. Did they ask you for a credit card number? If so, verify with your card provider that you did not receive an unexpected charge. If you're unsuccessful in reaching someone that can help you at TD, the industry's trade association runs a...

    Free Insurance Quotes

    Yvonne Said:Where Can I Get Free Health Insurance Quotes And Individual Health Insurance Quotes Without Spending a Penny ?We Answered:No one charges for quotes. If you go for quotes online (what you seem to be asking for), you get sites that harvest your personal information to sell it. You also don't get accurate quotes - they're bait quotes, so you put your personal information in, so they can sell it. Go talk to a local agent.Tony Said:where can i go to get free insurance quotes?We Answered:esurance.com...Try them out. They are pretty good with good competitive quotesJo Said:Free Auto Insurance Quotes...

    Full Coverage Insurance

    Rosa Said:Is it required to have full coverage insurance when you have a new car?We Answered:yes you do have to get full coverage since its not technically yours yet until you pay it offMary Said:Does full coverage insurance usually cover totally owning an animal?We Answered:If you have comprehensive coverage your policy should cover this loss. IF the claim falls under comprehensive there should be no change on your premium on your policy as long as you only his the dog and no other cars. BY THE WAY (this is going to sound harsh) BUT working in the insurance industry I...

    General Liability Insurance Premium

    Deanna Said:What is a reasonable cost (premium) for a residential house cleaning business?We Answered:FICO score doesn't count, with business insurance. I think your $800 plus tax & fees (which will likely bring the total to $1,000) is a great quote. I've never gotten a quote for housecleaning for under $1,000. With a new business, you don't have very many options. You WILL have to be with an excess/surplus lines carrier like Lloyds. You have to have insurance coverage for three full years with no lapse, and no claims, to be considered by a "standard" carrier....

    General Liability Insurance Premiums

    Jeffrey Said:DJ insurance for a freelance dj?We Answered:ok, the NUMBER of employees has nothing to do with it! Premiums are steep, because the liability hazard exists, and hey, you don't want to DJ my kids' birthday party for $25, right, because it costs you more than that just to come and set up. Insurance policies are the same - premiums start at $750, no matter how small you are, because it's going to cost them that much, just to set it up and mail you the policy. You don't need general liability insurance, unless someone sues you!...

    General Liability Insurance

    Gene Said:how much for general liability insurance ?We Answered:Workers comp is going to be cheap, it's going to be about 15% of payroll, or a minimum of $1200. The GL is ALSO based on payroll and cost of subs, but it's going to start at $2,000. Both policies will be auditable.Ruby Said:Where can I buy general liability insurance? I am starting a program that brings my services to preschools.?We Answered:For a new business, you'll need to contact a local, independent agent. You can find one near you, at www.iiaa.org. You can't buy this online.Charlie Said:Construction General Liability Insurance?We Answered:In Ohio, general...

    German Insurance Premium Tax

    Casey Said:Why do Liberals support German healthcare?We Answered:Because it provides them healthcare.Stephanie Said:Should American corporations that profited from slavery be forced to pay a Slavery Retribution tax?We Answered:Why, Who alive was a slave? These are just the latest ploy to redistribute and spread the wealth. You have to accept that slavery ended over 147 years ago and no one alive was a slave. The Germany example is payment to LIVING persons. If Obama was suppose to be post racial then why dig up all this racial stuff. The election of Obama was suppose to end...

    Graded Premium Life Insurance

    Alan Said:should i report her for harassment?We Answered:no do not let him use the car if you do you will not have a car to come home to.your name is on the title and the loan is in your name so forget him. as you said you worked for yours why should he be handed everything. forget it.as far as him getting to work how about bus, taxi, walking, or catching a ride. don't let them guilt trip you. your brother has had plenty of time to get his butt situated but instead has been having a grand old time.trust...

    Group Insurance Premium

    Lori Said:I am a teenager :why are the insurance companies charging such a high premium to my group?We Answered:Because teenagers are not experienced drivers. Many tend to engage in reckless behavior behind the wheel (speeding, texting while driving etc). Statistics show that teen drivers are more likely to be involved in an accident. Insurance premiums are based on risk. The higher the risk (the more likely to be in an accident) the higher the insurance premium. We were all teen drivers once....we all paid the higher insurance rates. Just make sure you don't speed, text while driving and other reckless behavior. If you...

    Group Insurance Premiums

    Carla Said:is there such a thing as a member funded, non-profit insurance group?We Answered:What your sort of talking about, is a RECIPROCAL insurance exchange. That is usually for larger scale things, like physician's medical malpractice. It could also called a "mutual" insurance company, where the policy holders actually own the company. Any profits left over at the end of the year are redistributed to the policyholders. There are still a few true mutual companies left in the US, but they would vary from state to state.Nelson Said:group insurance premium for employee?We Answered:I would like to suggest to try to...

    Group Life Insurance Premiums

    Randall Said:If you port life insurance will you have a new contestability period?We Answered:He chose one of the options offered. As such, the contestability period has already been covered. It would be the same if he exchanged it for another one.Clifford Said:A few questions about the Servicemembers Group Life Insurance (SGLI)?We Answered:for the max is about 20 a month or so and yes the law was changed where you can send it to who ever you want and I think you can send it to 10 different people if you so chose. I am using my mom and dad right...

    Gst On Insurance Premiums

    Kim Said:accounting assignment help wanted?We Answered:(a.) In Income statement, that transaction will increase your Purchases. Entry: Debit: Purchases $12,000 Credit: Accounts Payable $12,000 In Balance Sheet, that transaction will increase your Accounts Payable. The same entry above. Purchases is Income Statement item while Accounts Payable is Balance Sheet item. (b.) The entry will be: Debit: Cash $1,515 Credit: Sales $1,106 Credit: Gains $409 (Company may use different account title) Balance Sheet increase in Cash and Income Statement increase in Revenue. (c) Accrual Basis: Charge the payment for past month in Insurance Expense ($7,500) then the remaining is charge to Prepaid Insurance ($15,000). Income Statement: Insurance Expense is deducted to...

    Hazard Insurance Premium

    Eddie Said:is this a good faith of estimate convenient? 2nd part?We Answered:I think your getting fleeced on the origination fee. For the loan size 1% should be a fair fee with the lender paying your notary fee and appraisal. The work required for loan origination is the same for your loan as it is for a loan 1/4th the amount. Look for the POC or YSP amount as that will be the rebate your lender gets for pricing you up. It will not show as a cost to you but adds to the loan originators profit. ...

    Hazard Insurance Premiums

    Carrie Said:Hazard Insurance - closing on house tomorrow?We Answered:I agree with what the other two people said. Most people find it convenient to have the bank escrow money for their taxes and insurance. Your monthly payment will be a little higher, but when the next payment is due, the bank will make the payment. You don't have to worry about saving enough money do do that. However, some people prefer making these payments themselves. Perhaps you are one of them. Talk to your lender about discontinuing the escrow account for taxes and insurance so you can pay them yourself.Scott Said:Do I...

    Health Insurance Companies

    Claire Said:Who is opposed to letting health insurance companies compete across the entire country, and why?We Answered:Most insurance companies have offices in all states. Public option will make them finally have real competition.*Marion Said:Why do Liberals blame the high cost of health care on insurance companies?We Answered:I haven't heard anyone blame insurance companies for the cost of health care charged by providers. I have heard some blame insurance companies for increasing the cost of insurance well beyond the rate of inflation. The problem is that there really aren't any effective ways in which to combat the actual costs of...

    Health Insurance Premium Calculation

    Jordan Said:$3.5 TRILLION for health care? Isn't this a bit much?We Answered:And this surprises people?? I kept pointing out to people during the election that countries who have universal healthcare pay income taxes in excess of 50%, and asked them how Obama and the Dems were going to pay for this idea without taxing us to death? The answer I typically got was "he'll come up with something that won't cost us" or "I'm willing to pay A LITTLE more to make sure everyone has insurance." Well, as expected, this program would cost us A LOT...

    Health Insurance Premium Calculator

    Joseph Said:Compared to what you pay now, what will you pay under the health reform bill?We Answered:The premium will be less for me but that is not what I'm worried about to begin with. Taxes AND quality of care.Beatrice Said:I am turning 65 in August and plan on signing up for Medicare A because I don't have to pay a premium.?We Answered:If you don't also sign up for Medicare Part B when eligible, but you want to at a later date, you will have to pay a penalty with increased Part B rates. You would need a Medicare Supplement, or use you...

    Health Insurance Premium Comparison

    Casey Said:Why do I need a Health Insurance agent since I can see all providers' plans on the web and apply online ?We Answered:A good independent agent is the best thing you can have and its FREE. The plan premiums are the same whether you work thru an agent of you buy direct. So whats so good about an agent? #1) All plans have good points and bad points. There are tradeoffs. I can assure you that the customer service dept of XYZ company is not going to go out of theirway to point these things out. For example one...

    Health Insurance Premium Payment Program

    Jeanette Said:Are GOP senators so upset with the summit showing their real side they want to hurt the people more?We Answered:Talking to Idiots: Have 530 sources: http://www.google.com/search?q=Jim+Bunni… Replace the $$ after "sh' with "it" to get the link.Carrie Said:What is your opinion of this article: how some people who can't afford insurance, can afford things like?We Answered:While Obama was preaching "Personal REsponsibility" to the students because of a 30% drop out rate (mostly among inner city) he preaches and pushes for government responsibility because less than 15% "can't" afford health insurance. If those uninsured have 2 adults smokers in the house, each paying...

    Health Insurance Premium Rates

    Veronica Said:Health insurance premium question....?We Answered:Jenn, I am a health insurance agent in Utah. Here, it depends on the company. About half of them rate for the whole family (no matter what size) unless it is 8+ and then a 10% premium applies. Some companies charge for each child up to 3 and the rest are free. One company, HumanaOne, charges per child with no limit. Try a competitors website - www.ehealthinsurance.com. They are nationwide. If you are in Utah, try my site for quotes at www.utahinsurance.org. Thanks!Travis Said:Are health insurance rates a...

    Health Insurance Premium Tax Deductible

    Frederick Said:A health insurance question?We Answered:Can't answer #1. But yes, premiums are only deductible if they are post-tax, not pre-tax. And also, don't forget the 7.5% qualification - you can only deduct health care items that are over 7.5% of your AGI.Brad Said:Individual health insurance for a couple with one healthy teen--high-deductible or low-deductible?We Answered:Since u are healthy you should consider getting off COBRA ASAP. An individual/family plan should be almost half the cost of the COBRA.By keeping COBRA you run the risk of developing a medical problem that will make you ineligible for a individual/family health plan later on....

    Health Insurance Premium Tax Deduction

    Jorge Said:How should I do health insurance deduction from paycheck if I choose my own health insurance ?We Answered:You can't payroll deduct if you are paying your premiums on a private insurance plan. The insurance company will be billing you not your company. If you are self-employeed, have 1099 income, you deduct the premiums from your taxes. You have to weigh the pros and cons of each and make an informed decision on which is better for you....

    Health Insurance Premium Tax

    Gary Said:how can i tell if my health insurance benefits are pre taxed?We Answered:Ask your employer. They will tell you. Actually they should provide a form for you to sign every year verifying your benefit selections and how you want to have your healthcare premiums treated. Nearly all healthcare insurance through a job are part of a Section 125 plan and are deducted pre-tax. You generally have the option to pay them with tax paid dollars but I'm at a loss to explain how that could be beneficial to anyone.Justin Said:Can I claim my monthly health insurance premium...

    Health Insurance Premium

    Beth Said:Does getting benifit causes increase in health insurance premium?We Answered:Not if you have an individual policy. The premium might go up but only if it goes up for everyone with that policy in your area. In this case the premium will go up if you use it or not. If you have a group policy it might. Small group policies' rates are based upon the history of the group so if one person has major medical bills the premium can go up 3 or 4 hundred percent in most states.Erika Said:Can Aetna raise my health insurance premium?We Answered:Some insurance...

    Health Insurance Premiums Deductible

    Alan Said:i am unable to pay my health insurance deductible but am paying insurance premium,will i loose my insurance ?We Answered:you only have to pay your deductible if you are going to the doctor's office... a deductible is basically a dollar amount that your health insurance sets that you have to pay out of your pocket first before they will start paying part of your medical bills.. as long as you pay your premium you should be fine......

    Health Insurance Premiums Tax Deductible

    Chester Said:Where can I find legislation of health care passed since 1977?We Answered:Library of Congress has a web site that may help.Jacob Said:Is professional liability insurance tax deductible? - Canada?We Answered:No, it must be required. If you are a contract worker, i.e. self-employed, the insurance would be an expense claimed against your income on Form T2125. If you are salaried, you are covered under your employer's liability policy and therefore having your own insurance is considered non-essential by CRA, therefore non-deductible.Rafael Said:How would Bush's proposal for tax deductible health insurance work?We Answered:OK, I think instead of kicking in money for a gym...

    Health Insurance Premiums Tax

    Johnny Said:Does it matter to you that required health insurance premiums would not be called a tax?We Answered:Not to ones standard of living.. *ANY* mandate by the Government has a negative effect on ones total disposable income. Environmental mandates are among the worst offenders... The "Cape and Trade" scam will cost the average household more than $1500 a year just in electricity bills, with additional cost in transportation. (driving to work, etc) Supposedly it won't be a "regressive tax" because lower incomes will be subsidized. Of coarse *someone* has to pay for it and the actual effect will be *more* low...

    Health Insurance Premiums Taxable

    Timothy Said:Should Health Insurance premiums for the wealthy be subsidized by the government?We Answered:They are in the form of massive tax writeoffs. My friend had a $22,000 wedding reception in August. He video taped it and mentioned his business. Now it is a $22,000 tax writeoff.Agnes Said:Does McCain want to tax employer paid health insurance?We Answered:Yes.. McCain wants to tax the group insurance premiums you pay through your employer. Right now they are taking from your gross pay and are not taxed. With McCain's plan they would be taxed and the $5000 tax credit would go to the...

    Health Insurance Premiums

    Clinton Said:Are health insurance premiums deductible in year paid?We Answered:healthplans.my-age.net - here is my health insurance plan. As I remember they can provide such a service.Fred Said:How much of health insurance premiums is profit?We Answered:I would say that is pretty close, considering the pay of the CEOs, Lobbyists, advertising, profit for the share holders, and a huge expense is the monies to the politicians. From 2000 to 2006, republicans received 2/3 of all the monies donated..millions! That is really expensive. All this information is available on the internet. It amazes me that this scam has gone...

    High Insurance Premiums

    John Said:Conservatives high health insurance premiums subsidize no-low income now; is this socialized medicine?We Answered:There is an appalling lack of understanding of what is "socialized" medicine, and what is in fact a "single payer" system. "Socialized" medicine, by definition, is government owned and controlled health care facilities, run by doctors and health care providers who are paid directly by the government. This is not what Obama is proposing, and exists in countries like Cuba and China, but rarely in Western democracies. What is being proposed is a "single payer" system, which is an alternative insurance policy that is administered by the...

    High Premium Health Insurance

    Anita Said:Can I use my HSA account to pay my monthly premium for my high deductible health insurance plan?We Answered:healthplans.my-age.net - here is my health insurance plan. As I remember they can provide such a service.Emily Said:Why is my health insurance premium higher than my rent?We Answered:Word of advice; shop around and get a better policy. When I was a single parent, I had insurance that covered myself and two children and did was no more or even the same as my rent. Or is it that your premium costs more than you rent simply because you still live under mommy...

    High Risk Insurance

    Maria Said:How long can someone go without auto insurance on a car before you have to go to a high risk insurance place?We Answered:say- about one uninsured accident.Felix Said:How many tickets does it take till you are on high risk insurance?We Answered:Depends how frequent your incidents happen, if they happen all within a 1 year or 2 year period, I would say your insurance company may cancel your insurance when you renew your term.Gregory Said:What are the best cars to buy if you have high risk insurance?We Answered:hai For high risk insurance? please refer to web siteAngel Said:How do I...

    Home Insurance Premium Calculator

    Carolyn Said:Home Insurance and Geothermal(Earth Energy) heating?We Answered:It's very convenient to have the ability to generate quotes online at your convenience, but it is impossible for them to be prepared for every scenario. As an Insurance Agent, I would suggest that you contact an Independent agent in your area. They will be most able to answer your qeustion. Because they are contracted with several insurance companies, they have a better chance of finding a company that will discount your premium because of your heating system....

    Home Insurance Premium

    Sue Said:Lower assessment = lower home owner insurance premium?We Answered:details differ by state. some states require "replacement cost" insurance coverage under which, if a fire burned the house down, the insurance company would have to pay to bulldoze and remove the charred remains and then rebuild the house as it was. in those states, changes in taxable value likely have no relationship to the potential costs the insurance company would have to bear. other states allow lesser coverage for persons who do not owe on their homes [if you owe, the mortgage contract requires at least enough coverage to...

    Home Insurance Premiums Increase

    Dawn Said:Can you claim the cost of future increases to premiums (on a home insurance policy) as a result of a claim?We Answered:I'm not sure if I even get your logic here. Since you had a claim your price will go up, so you want the insurance company to indemnify you for the cost of the price increase? First off why would they write a contract like that? They wrote the contract, and the main reason your price goes up when you have a claim is your relative risk goes up compared to those that do not....

    Home Insurance Premiums

    Alice Said:Does your home insurance premiums go up if you file a claim for trees fallen?We Answered:No.. that is what insurance is for. Contact YOUR insurance company for the one in your yard and let them know about the others. You did not say if it is an easement that YOU own and someone else uses, or if someone else owns it and YOU have the easement, but the first stop there is the easement document to see if it deals with maint. and responsibility. If not then the owner of the land where the trees stood...

    Home Insurance Quotes

    Julie Said:home daycare insurance quotes?We Answered:Find a local agent through InsureMyHouse.comGerald Said:Different methods of getting insurance quotes?We Answered:Try this site http://qinsurance.notlong.com here you can compare quotes from different companies.Clifford Said:Home Insurance, should I go for high deductible?We Answered:The answer to this depends on your financial condition and how much you are willing to absorb yourself in the event of a loss. As a practical matter, I always recommend high deductibles on all forms of insurance. It reduces the cost of your insurance and decreases the chance that the insurance company will tire of your frequent claims and significantly increase your...

    Home Loan Insurance Premium

    Leslie Said:I have found that my home insurance has lapsed, how would I go about getting insurance now?We Answered:Actually most insurance companies ask if you are purchasing the house now or if you have owned it and if you have owned the property then they will want to know who currently provides coverage on the property. Its not a good idea to lie about this. If the mortgage company issued coverage you may be able to use that as your current coverage. Try here for a list of local agents: http://www.insuremyhouse.com Most agencies can write a...

    Homeowners Insurance Premium

    Tracey Said:Will my grandmothers insurance premium increase because of a lightening strike? ?We Answered:Not much of an expert on insurance, but something that valuable would have to be listed separately on the policy to be covered. A similar example would be expensive jewelry or an antique collection. An organ is not typical furniture or an appliance that most people have in their homes. But I'm a professional organist too. And your question has me thinking... How big is your grandmother's home to fit a pipe organ inside? By "digital pipe organ" I'm guessing you mean that it...

    Homeowners Insurance Premiums

    Martha Said:Should homeowners insurance premiums increase due to automatic inflation clause?We Answered:Mbrcatz's response is right on point in terms of answering your question. I would only add an explanation of exactly how the automatic inflation clause works. Insurance companies do not use voodoo science to set the automatic inflation clause and do not directly use the assumed number of claims. The formula for the clause is set through the use of statistical information which is gathered through an analysis of construction costs in a given area or community -- construction costs include the cost of permits, demolition,...

    House Insurance Premium

    Cheryl Said:What is the 12 month insurance premium for a $549,000 house?We Answered:Try this site where you can get quotes from different companies http://hinsurance.notlong.comBertha Said:can i deduct expenses like workers comp insurance premium if i'm homeownr & contractor on remodel of my houseWe Answered:Well, NY is not my state, but I'd say no. BUT - track all of these expenses - they can be included in the "basis" of the house - that is, your initial cost of the house. Then, when you sell it, only the gain in excess of the basis would be applicable to your lifetime...

    House Insurance Premiums

    Gregory Said:house insurance premium?We Answered:Does timber mean log house, or wood frame? Does in the bush, mean protection class 10? Log homes are the MOST expensive to insure. Wood frame costs more to insure than brick. The higher your protection class number, in general, the more the insurance costs. Use an agent. They can explain how it works. The biggest advantage of insurance, is that if your house burns down, they pay to rebuild it. That lets you buy a house on credit (with a mortgage).Julia Said:House Insurance?We Answered:I have been with Saga for the last three years....

    How Are Insurance Premiums Calculated

    Javier Said:How do I calculate the IRR of a Whole Life insurance policy in Excel?We Answered:what do you mean by the "IRR"? If you already have all the numbers there, what else are you looking for?Tyler Said:The Future Of Car Insurance?( Its what they do in the U.K)?We Answered:nope,i pay to much already.dont want to make the insurance companies richer !!!Natalie Said:Could somebody please help me with this for Christmas?We Answered:Original I admit, but I'm still not doing your homework.Troy Said:tax accouting - calculating employment income (canada)?We Answered:Please post this in Homework Help.......

    How Insurance Premiums Are Calculated

    Dennis Said:Maryland Auto Insurance Premium for teens(19yrs)?We Answered:I use Geico insurance as a driver off my parents insurance. For the first six months of my license I paid $250/mo. After six months, I went down to $125/mo, but that also includes a Good Student discount. Yours will be a bit higher, because you are a male and you live in Baltimore (city I'm assuming?). Also my rates are liability only. If you go to the different websites, you can get a rate quote. I personally am happy with Geico (www.geico.com). Progressive will compare rates for you. (www.progressive.com). Good luck! Being a new driver...

    How Much Is Insurance Premium Tax

    Juan Said:How much is the minimum wage in Turkey convert to US dollars?We Answered:It's sad to see that zero sum policy and Turcophobia still prevails among some Greek kids. Now go play a game with your PS3, capture Anatolia, and 'realize' your Ciguli Idea, other than in your dreams. Your dawn will never be golden, even if Serbia and other countries help. Just make sure not to get excited too much and break your PS3, waste maybe half of your father's monthly wage. He does not stay months in sea, away from you, just so you become some Greek Neo-Nazi...

    How Much Is Mortgage Insurance Premium

    Alicia Said:I'm in love & I want to get married; but my partner has a checkered financial past & I want to protect myself?We Answered: .Paternity does'nt stop because you don't marry.l agree that you must protect yourself.Putting her name on the deeds protects both of you.Having your own separate account is wise,as you pay the necessary funds into a joint account.So get married and do these things.it is prudent to put her name on deeds as it saves any hassles if either of you has an untimely death.You would want her te be beneficiary in such circumstances after the...

    How To Calculate Car Insurance Premium

    Emma Said:Calling all 2009 Mazda6 owners ......?We Answered:The type of car has as much to do with the costs as the driver's age, their record, and even where they live, and what type of driving they do. Sometimes, even where the car is parked! (street vs garage) Go to geico.com and get two quotes: one for what you are driving now, and one for you with the 2009 6. Even if what you pay is different, at least it'll give you an idea of how % higher your rates will go with the new car. ...

    How To Calculate Health Insurance Premium

    Fernando Said:Question about taxes. I file our own, because we typically don't have much to file.?We Answered:Answers: 1. How much did you pay for health care that you didn't get reimbursed? 2. If your premiums are paid pre-tax, then you can't deduct them on your tax return, because you already did. 3. Do you have long-term care insurance? This is also known as nursing home insurance. You can count the copayments for prescriptions and doctor visits as long as you didn't set aside money in a flexible spending plan and get reimbursed from that. Keep in mind that your medical expenses must exceed 7.5% of...

    How To Calculate Insurance Premium

    Sergio Said:how to calculate the premium for a builder's risk liability?We Answered:No such horse, as builder's risk liability. There's Builders Risk, which is a PROPERTY coverage, and then there is liability, and there are several ways to write it - the OWNER can do it, or the CONTRACTOR can do it. For the Builder's Risk Property, there are two ways to do it - a flat rate per $100 of completed value, for ONE SPECIFIC structure, for a pre-determined period of time (not necessarily 365 days!), OR, for contractors that have several starts running at a time, a blanket reporting...

    How To Calculate Insurance Premiums

    Antonio Said:How does the mileage per year calculate with insurance?We Answered:the higher the milage the higher the insurane so say if u drove 10000 a yr it would be lower than someone who drove 14k a yr depending on the car etc. Its all because the more miles you do the more likley you are to have an accident because you are using the car more i guessRenee Said:How to calculate unexpired insurance?We Answered:Look, it matters if it's short rate, or pro rata, but here's how to do it. Divide the premium, by 365 - the number of days in...

    How To Calculate Life Insurance Premium

    Ricky Said:normal distribution help!!!!!!!!?We Answered:P = net level premium... P = [0.8*0.0001 + 0.2*0.0002] 1,000,000 = 120 the first term is the probability that the person chosen is a nonsmoker... and he dies... the second term is the probability of dying of a smoker... §Warren Said:MORE CONSUMER MATH HELP?We Answered:$4.87 x 50 = $243.50 50 comes from $50,000 / $1,000 FV = $20,000(1 + 0.055/12)^12 = $21,128.16 effective annual yield = (1 + 0.055/12)^12 - 1 = 0.056408 = 5.6408% FV = $20,000(1 + 0.0625/4)^4 = $21,279.60 effective annual yield = (1 + 0.0625/4)^4 - 1 = 0.063980 = 6.398% (the correct answer) Profit = $32.52*1200 - $31.45*1200 = $1284 or =...

    How To Calculate Premium For Insurance

    Rita Said:Microeconomics Insurance Question?We Answered:D.Gail Said:obama as President and hillery as VP?We Answered:It doesn't matter. McCain is going to win. America doesn't want to be socialist.Lydia Said:Risk Premiums?We Answered:But they don't use expected value. It's a flawed question, because you have to evaluate the type of equipment, and the hazard loss types. Is it wood in a warehouse, where you aren't likely to have a partial loss? Or two Cat exacavators, where if you have a theft, it will either be 50% or 100%? And you can't add "handling and profit" onto it, either. Low risk...

    How To Calculate Premium For Life Insurance

    Gerald Said:Need accounting homework help!!!!!!!?We Answered:When asking for the cash balance, it just wants to know how much cash you have at the end of the year. As far as the additional info: 1: Used to calculate depreciation. If there is a B or C part of the question that asks for a balance sheet or adjusting entries, you would have to use this information. However, a lot of accounting problems throw in useless information. 2: regarding the 9,800 rent payments, that would be a 15 year lease (9,800-800=9,000/50=180/12=15) This could also be used on the balance sheet (the amount of prepaid rent...

    How To Lower Car Insurance Premiums

    Hector Said:How Do I get a reasonable car insurance price for a seventeen year old boy in the UK?We Answered:1. Opt for a larger excess - only if you can afford to pay it if you have a crash 2. Move to a safer area for car crime - difficult 3. Do not do a higher risk job like bar work, avoid unemployment and being a student 4. Keep the car off road at night and preferably in a garage 5. Be older 6. Get a small motorbike instead like most used to when I was your age Unfortunately the insurance for teens has gone up...

    How To Lower Insurance Premiums

    Leslie Said:Has making "Mandatory" auto insurance lowered your premium payments? Will it lower Health Insurance premiums?We Answered:No, it doesn't work! The cost just keeps going up! It would be interesting to know who the insurance lobby is supporting....Melinda Said:Will removing points from your license lower your insurance?We Answered:It's going to depend on the insurance company. They will probably take any driving education course or plan as a reason to lower your premium, but they are aware of the incidents that got you the points so they will likely not take you back to zero. Had you been able to get the points...

    How To Lower Your Car Insurance Premium

    Luis Said:You are at fault in a traffic accident, how can you clear the record from insurance & dmv w/o hiring a lawyer?We Answered:To go to traffic school, you have to go to court and be sentenced to it, which is up to the judge. You will need a lawyer to represent you, and an at-fault accident usually will not ever be completely erased from your insurance company. They may not recognize it anymore, but the increased rates will likely stay mostly the same. And the term "clearing it from your record" really isn't proper. It will always show that you...

    How To Reduce Auto Insurance Premiums

    Yvonne Said:What does illegal immigration have to do with your costs and your access to medical care when you need it?We Answered:While I would never deny anyone emergency medical treatment, the line should be drawn at elective medical treatment. Your points are absolutely correct, btw. They -don't- ask for proof of citizenship while signing up people for Arizona Medicaid. The fact that Arizona is also pretty much bankrupt is hardly a coincidence.Allen Said:how smart are you at math?We Answered:1.a) 15% 1.b) $276.25 2.a) 10% 2.b) $405.00Russell Said:Rearended - question?We Answered:Make sure it's not your fault. Your premium will go up anyways....

    How To Reduce Car Insurance Premiums

    Reginald Said:How much difference does a car alarm/ spoiler sport model make on insurance policies?We Answered:It depends on the company and how they have their rates/discounts, etc filed. Some may increase for the "sport" model and some may not. Some may give you a discount for the alarm, and some may not (most do give a discount for an alarm that I have personally seen). Progressive's website should allow you to specify the exact model....shoot it even lets you put in the VIN. That is one I have used....I'm not sure about others, sorry.Terry Said:Why aren't health insurers...

    How To Reduce Insurance Premiums

    Tiffany Said:Speeding ticket in CA with Oregon License/plates.Will the driving school reduce Insurance from going up?We Answered:You should definitely do the driver school, I just went through this myself, (speeding) and usually if you go to driver school its a bit cheaper than your ticket. Also, if you do the traffic school the ticket will come off your record. If not then the DMV will notify your insurance carrier and your premium will raise at your next renewal. You should be getting a paper soon in the mail with either to pay the ticket price or the driver school. Good Luck...

    Increase In Car Insurance Premiums

    Kelly Said:Will driving my car in demolition derbies increase my insurance premiums?We Answered:no ,life insuranceJose Said:why car insurance co. increase your premium, when you inform them change of your address?We Answered:The rate is based on the risk. If there are more accidents or thefts in your new city, you will pay a higher premium. Lying to them about where you live is fraud. They can deny your claims, so it's as good as not having insurance. You will have to pay fines as well....

    Independent Insurance Agents

    Linda Said:Are their Insurance Attorney's in Austin, Texas who represent independent insurance agents?We Answered:I don't think the problem is that you can't find an Attorney who will represent independent insurance agents, but rather that you can't find an attorney who feels confident that he can prove "slanderour and immoral actions" against the TPA. Keep looking, and I wish you well.Jennie Said:How do I become an independent insurance agent?We Answered:What's your backround? Do you have the experience? Can you move a book of business? I started a new agency from scratch 3 years ago but I had 12.5 years experience and a book...

    Insurance Company Premium

    Joyce Said:Insurance company raised premium for my son's 2 speeding tickets, fair or unfair?We Answered:Its typical and fair. You start getting tickets you are a higher risk to them and they raise your rates.Edith Said:Will insurance company raise premium for having windshield replaced.?We Answered:Oh lord, NO. Glass breakage in Florida is paid out through Comprehensive and so long as you don't have an excessive amount of comprehensive claims in a three year period (rule of thumb - more then three in three with my company), you don't have to worry about your policy at all....

    Insurance Company Ratings

    Betty Said:Insurance companies credit ratings list?We Answered:Sort of. If you go to www.ambest.com, they rate the financial strength and size of insurance companies. Obviously, not all companies do business in all states, so you kind of have to back into it - pick a few insurance companies you are considering, then go to AM Best and pop their names in, to see how STRONG they are, and how BIG they are.Earl Said:Ratings for General Casualty Insurance Company?We Answered:There were two listed: General Casualty of Illionois which the previous answered addressed & General Casualty of Wisconsin which is...

    Insurance Life Premium Quote Term

    Clarence Said:Best Term Life Insurance Quotes Ownership?We Answered:http://thisin.pa-club.com A very informative website, kindly stay a minute in website and check...

    Insurance Life Premium Return

    Aaron Said:Need help to withdraw HDFC Life insurance within first 15 days?We Answered:YES THE TERM USED FOR SUCH CASES IS COOLING OFF ie DURING THE COOLING OFF PERIOD IF YOU ARE NOT SATISFIED WITH THE TERMS AND CONDITIONS OF THE INSURANCE GIVEN TO YOU YOU CAN GET ENTIRE AMOUNT BACK DURING THE COOLING OFF PERIOD THIS COOLING OFF PERIOD IS OF 15DAYS FROM THE DATE WHEN YOU RECEIEVE POLICY DOCUMENT FROM THE COMPANY ASK YOUR BLADDY AGENT TO GUIDE YOU OR CONTACT BIMA LOCPAL ie OMBDUSMEN OF INSURANCE OR YOU MAY WRITE TO IRDA DIRECTLY IF HDFC DOES NOT GIVE MONEY GENTLE ADVISE TRUST...

    Insurance Life Premium Single Whole

    Carlos Said:27, single, no kids, great health, should i get term life insurance?We Answered:Yes, but get life insurance long enough where you have no more debts, no one dependent on your income, and have time to save for retirement. Base on situation, I recommend getting a 30 year term insurance that is guarantee renewable and is convertible into another term insurance. You don't want whole life insurance at any point in your life because that is expensive and a waste of money. You can learn more about whole life insurance here: http://finance1o1.blogspot.com/2008/08/w… While you have term insurance, you should consider investing your money...

    Insurance Life Premium Term

    Erin Said:Is there a good reason I should pay my mother's life insurance premium?We Answered:You are a beneficiary, that's a good reason, although I think If you're paying it, you should be the sole beneficiary. It's only fair!...

    Insurance Life Premium

    Robin Said:When I reaches expired age, do I just lose all my Universal Life Insurance premium that I...?We Answered:Term or Whole Life? FOR MOST PEOPLE, the right type of life insurance can be summed up in a single word: term. But before we explain why, it's important to understand the differences between the most common types of insurance available. Our glossary1 can help with that, and decipher some of the more common insurance lingo. The basic difference between term and whole life insurance is this: A term policy is life coverage only. On the death of the insured it pays the face...

    Insurance Policy Premium

    Clinton Said:Can I reimburse employee for individual health insurance policy premium?We Answered:Yes you can use it as a tax write off.Vincent Said:What is the premium on an $8,000 insurance policy if the premium costs $.75 per $100 of insurance?We Answered:$0.75 x $8000/100 = $60Jackie Said:Can I assess Health Insurance that could cover Fertility Treatment, the details of the Policy and Premium?We Answered:I've never heard of an insurance policy that pays for fertility treatments, especially a private policy. It's considered a voluntary procedure.Alex Said:I am intrested in pension plan so, Which insurance policy, with low premium is preferable for 27yrs...

    Insurance Premium Calculation

    Marshall Said:Car Insurance - How does No Claims Bonus calculation work and proof required?We Answered:Too complicated to work it out!!! Basically you get a 1 year no claims bonus for each year that you have no fault claims. NCB is based on continous inurance, so for example if you had 3 years ncb then were 2 years without a car your bonus would go back to nil. Your bonus has to be proved by showing the insurance certificate from your last insurer. When you had your accident any ncb accrued would have gone back to nil becuse it was a fault claim. That...

    Insurance Premium Calculations

    Ted Said:Risk Management - EV Calculations - Project Mgmt?We Answered:Build a table 1,000,000 * .02 = 20000 1,000,000*.4*.08 = 32000 1,000,000*.20*.1= 20000 add = 72000 Then add on $300. $72300Shannon Said:According to 0bamanomic theory, insurance premiums will decrease by 3000%. Can you show 0bama's calculations?We Answered:Just like you to take something out of context. He said it would decrease the employers cost of insurance for employees. For example say the employer pays $200 for the employees insurance, once Obama care goes into effect in 2020 the employer will only pay, well actually the insurance company will owe the employer $1,200 for each employee. You...

    Insurance Premium Calculator

    Milton Said:What would my monthly Homeowners Insurance premium be?We Answered:You will need to call around and get a few quotes; there is no way to determine the amount without having it quoted. Different states require different levels of coverage; the miles from your closest fire dept and the fire dept's rating can affect your coverage cost. The amount of doors and deadbolts, the safety railings for stairs & steps, there are many many things to affect your costs. And even your credit score has an effect on what you will pay for insurance. I can tell you though...

    Insurance Premium Car

    Ryan Said:Car insurance premium if you pass test during a policy term?We Answered:This is how it work in good old US of A. Once you establish a policy your policy payments will not change irrespective of your driving/accident history, either good or bad. The changes in your status would take effect only when the policy is up for renewal. If you want your new status to be considered, you will have to ask for a new quote and if that quote is good you will have to cancel the existing policy and buy the new one.Felix Said:3 Tax Questions...

    Insurance Premium Comparison India

    George Said:Indians. Can u choose Mayawati/BSP next time.?We Answered:Not going to repeat my mistake. I'll never vote her again. Right now i'm feeling guilty why did I vote her. She has touched a new low in Indian Politics. I am a great supporter of democracy but such incidences make me think, "With such selfish, corrupt, shameless politicians, is it good to have democracy ?"...

    Insurance Premium Comparison

    Tanya Said:Hi does anybody happen to know what the premium allocation rates are for AIA's regular premium ILPs?We Answered:I'd lok at the IDX index which provides user friendly info....

    Insurance Premium Comparisons

    Lori Said:Does having a pass plus certificate actually make a difference on the insurance?We Answered:Shop around. My son passed his test and pass plus when he was 17. He saved more than enough to pay for the pass plus on the first premium.Edwin Said:Is £2500 a reasonable car insurance premium for me to pay?We Answered:The premium will be heavily loaded because you have a provisional licence holder on it. You don't say what car it is so couldn't give a definitive answer.Clarence Said:How to get health insurance for senior age parents who have greencard status?We Answered:I don't have an answer directly,...

    Insurance Premium Definition

    Dave Said:Accounting question/help! :o?We Answered:You just need to see what is the originating transaction. If it says a cheque is issued and gives you the cheque no., then it's the Cash payments journal. If a purchase of trading inventory is made on account, it's the Purchases journal. If a sale is made on account, it's the Sales journal. If cash is received, it's the cash receipts journal. Other than these 4, it usually goes to the General journal Nov. 1. Wrote Check No. 363 for the monthly rent of $1,300.00. Cash Payments Journal (CPJ) 2. Bought $120.00 worth of store supplies on account...

    Insurance Premium Finance Companies

    Calvin Said:Insurance Companies paid PWC to 'rig/tilt' Health Reform Impact report - is this fair?We Answered:Of course AHIP provided the guidance that they did. However, one would have expected much more integrity from PWC than this whorish result....

    Insurance Premium Finance

    Maurice Said:Finance Help (Eddie’s Precision Machine Shop is insured for $690,000. The present yearly insurance premium is)?We Answered:These may help: http://www.ehow.com/how_6404891_calculat… http://www.buzzle.com/articles/calculate… http://answers.yahoo.com/question/answer… http://en.wikipedia.org/wiki/Net_present…Keith Said:What Is The Maximum Premium Finance Companies In The State Of TN Can Charge For Insurance,IE. LIFE,DISABILITY.We Answered:go to the website of the insurance comisioner of Tennisee....

    Insurance Premium Financing Companies

    Leroy Said:How would you pronounce this name?We Answered:HAHAHA!! I love it!!Jordan Said:Is it illegal to have 2 different insurance companies for different cars?We Answered:This is what i know you could only have 1 insurance per car but since you put liability on your insurance that only covers if you crash somebody else but your car is not covered so the finance company wants collision and comprehensive to be added to the insurance to cover the finance car so thats what your mom did she put that extra coverage so if any thing happens the car is covered.Dawn Said:Seeing that so...

    Insurance Premium Financing

    Jesse Said:What is the Best company to purchase premium finance company software?We Answered:I can run your premium finance company for you - provide all software, all updates, handle all licensing and state audit functioning, cover all mailing and postage, handle phone inquiries, set up web sites (one for you - one for your customers), etc - with 50 state expertise - for the same or less than your cost of software. Contact me: rmitchell@costfinancial.comSue Said:premium financed insurance, any risks?We Answered:If you do not understand what risks you may run, someone has not done a good enough job explaining this...

    Insurance Premium For Car

    Emma Said:What is the cheapest car insurance premium quote?We Answered:There is no such thing. You need to call for quotes. There are way too many variables...

    Insurance Premium Funding

    Anita Said:Insurance Agency Tax Help 1120S?We Answered:Insurance companies file 1120L (life insurance) or 1120PC (property casualty) not 1120S.Constance Said:How can my employer take the funds from my 401K and put into a medical insurance premium?We Answered:Few issues here: 1. An employer is not required to offer a 401(k). 2. An employer is not required to offer health insurance. 3. An employer cannot take designated 401(k) contributions and buy health insurance or ANYTHING with those funds. The IRS and Dept of Labor have strict rules on this, including tax deductability for the 401(k) contribution for the employer. Let me put this in consumer terms: If...

    Insurance Premium Income

    Jared Said:Employee Insurance premiums based on income?We Answered:Yes. My husband's employer charges employees based on their salaries. The more you make, the bigger the share of health insurance you pay. If they were allowed to pick and choose based on other obligations or dynamics, THAT would be unfair....

    Insurance Premium Increase After Accident

    Melvin Said:Premium increase after a car scratching incident?We Answered:Just call your insurance company and ask them. Also ask what would happen to your rates if you have another incident within the next 6 months? 1 year? 2 years? I've often found it is better to just pay out of pocket for small incidents such as yours.Tom Said:Can my insurance company increase my monthly Direct Debit after an accident?We Answered:It does seem rather odd.... is it that you opted for a monthly renewable policy rather than an annual policy payable in installments ? As you say you'd expect the cost to go...

    Insurance Premium Increase

    Nina Said:If you accidentally hit someone with your car how much does your insurance premium increase?We Answered:Whoops....how bad was the accident, and were the police called? By hit, do you mean you rolled into someone in a crosswalk, or nailed them going 30? it's really going to depend of a couple of issues...how badly was the person hurt, were the cops called, does it need to be reported...etc.Jason Said:Will your auto insurance premium increase?We Answered:It could. You need to determine whether the amount of damage that exceeds your deductible will be more than the increase in premiums. If you have...

    Insurance Premium Increases

    Crystal Said:Supplemental Insurance premium increases?We Answered:There's no cap on the increase. Premiums can be increased every renewal period.Jimmy Said:health insurance premium increases?We Answered:A group policy may or may not be cheaper, it depends on the health of the group and the age for a small group. And a large group factors in health conditions such as cancer, heart problems and premature births. But, have you thought about switching your family to another individual policy and you staying on your current policy. That way if they are all healthy, they would get preferred rates. It...

    Insurance Premium Is

    Jacqueline Said:Insurance Premium?We Answered:oh yeah. But also depends on the amount of damages paid out on each accident, his age and the individual insurance company.Gene Said:How much will buying a 2005 Mistubishi Lancer Evolution 8 raise my insurance premium?We Answered:Right, just call your current provider, they will give you the best indication of that compared to what you are paying now. Plus, we don't know what your driving now, so how can we compare?...

    Insurance Premium Of

    Alvin Said:insurance premium?We Answered:I think a good idea would be to get a qwik quote from other carriers to "test the waters" and see what the current premiums are running with your current situation. In my opinion, unless you are on your parents policy, State Farm may not be the cheapest for newly licensed drivers, especially with incidents against them. Get a qwik quote, they're free and you never know, you may find a current cheaper rate available for you! Go to www.qwiksilverinsurance.com for a free qwik quote. Best of luck to you!...

    Insurance Premium Payment

    Joe Said:Separate payment for paying insurance premium. Is it legal?We Answered:1. Yes. 2. Health insurance for a self employed person is usually deductible. Keep in mind, when an employer pays your health insurance, THEY get to deduct what THEY pay, off of THEIR taxes.Pearl Said:How much is your monthly payment (premium) for your life insurance and how much are you covered for?We Answered:$384 total for the yearAmber Said:Got into a fender bender before the first car payment & insurance premium are due, what to do?We Answered:Of course call them. As a long time customer, they more...

    Insurance Premium Quote

    Robert Said:Is it legal in North Carolina for a health insurance co. to increase the quoted premium for health insurance?We Answered:Those online numbers are BEFORE UNDERWRITING. After you get underwritten, they can absolutely increase the rates. They're going to verify the information you initially gave them - or ask for more details. That's why getting online quotes is pretty much a waste of time. The numbers NEVER stick.Hilda Said:How long does it typically take to get an insurance quote?We Answered:With complete rating information, it takes me about 20 minutes to do a homeowners quote. Those other two agencies either...

    Insurance Premium Quotes

    Edward Said:How to get insurance quotes in the most efficient way?We Answered:Never heard of this happening. First I pay, then I get policy. Might even pay and get policy at same time but if they increase premium I just don't pay and they can keep their policy. Not sure what you did. I pay about $130 yearly for a 170.000 excess. If the house gets flattened or burned that's what they pay. Can't get cheaper than that I think.Viola Said:When getting insurance quotes, when it says like 850-1100 premium for 6 months, covers 6 months? Or year?We Answered:If it says 6...

    Insurance Premium Rate

    Marcia Said:As freight forwarding is marking up cargo insurance rate allowed? Is it againts the law?We Answered:No if they cal it only "insurance" or "Shipping". They get around it (just like the high shipping costs when you buy things through the mail or TV) by calling it Shipping and Handling. Any excees over their cost of Shipping can be attibuted to the cost of "handling." Most FF use the cargo insurance as a profit center marking it up as high as the market will bear. You can get your own cargo policy if you ship alot. The...

    Insurance Premium Rates

    Rose Said:Why are LIC premium rates much costlier than private insurance agencies?We Answered:hi don"t compare only premium compare death claims ratio and how much others paid and LIC paid Life insurance policies death benefit goes to nominee only. upto 2007-2008 LIC settled 98.65% death claims previous generation, and our generation saw the claims settled by LIC. After death we are not able to see how the claim will settle but we heard and saw the nominees who got benefited from LIC with settled claims. Going with Market leader in Life insurance is safe side. nearly 23 crore policies are with LIC. Assets Under Management(AUM)...

    Insurance Premium Rating

    Marc Said:Did you know that your auto insurance is determined by your credit report?We Answered:I know for a fact that Progressive has a class action law suit filed against them for this. Some people have had their insurance cancelled due to their credit reports and others see their policies increase every year due to this as well....

    Insurance Premium Refund

    Betty Said:Life Insurance not taken - refund of premium?We Answered:You are entitled to a full refund. The policy was never in force because you and the company never agreed on terms that were mutually acceptable. If it takes too long to get your premium back you may even be entitled to return of premium plus a nominal interest rate.Rosemary Said:What is a 'refund of premium' in regards to car insurance ?We Answered:It means they have cancelled your insurance and are repaying the money that you spent. Did they give a valid reason for cancelling like a drink driving offence etc?. If there...

    Insurance Premium Return

    Daisy Said:why did my insurance send me a RETURN PREMIUM FOR CANCELLATION CHECK?We Answered:they cancelled you/dont drive your car/if your late sometimes they do it and they may just do because of other reasons/some states/have assigned risk/you have bad driving record etc/Jacob Said:Which is best term insurance plan with min.premium with 2500000 coverage,premium return,lowest premium age 29?We Answered:Some of the lowest premium on offer are from metlife, ICICI, Aegon Religare etc. But lowest premium doesn't mean the best. For details on it, you can click on the link below. http://khotapaisa.wordpress.com...

    Insurance Premium Statistics

    Jean Said:What is the answer to this statistics problem?We Answered:Thats a hard one... sorryMichele Said:Statistics question I have no idea how to start -please help someone!?We Answered:Start by drawing a Normal curve. You know, the bell shaped curve with the mean in the middle. Then, use the table with the standard normal probabilities (should be in your textbook) and find what's closest to .33 in the body of the table. See what z-score matches up with it. That z-score is the number of standard deviations from the mean, so multiply it by the standard dev. $500, and...

    Insurance Premium Tax Changes

    Gabriel Said:Why do legislators want to punish those who buy the best health insurance with a tax?We Answered:because they are on the redistribute the wealth kick, so they punish success and reward failures! Congress needs a second term as in a prison term! God blessVirginia Said:Do you have to pay taxes on the money you pay in for health insurance?We Answered:The premiums have nothing to do with whether the deduction is pre-tax or post-tax. Premiums are a function of coverage levels, size of company, insurance company, risk, and employer contribution. Depending on the employer, premium payments can be...

    Insurance Premium Tax Deductible

    Dora Said:My employer takes out health insurance deductible after tax - is this legal?We Answered:No you can't force them. Many companies set up a plan where they can take out health and some other benefits pre-tax, but they aren't required to.Sarah Said:Is spouse's insurance premium is deductible from income tax?We Answered:Yes you can claim. In case of individual for the assessee himself, his or her spouse, and childern....

    Insurance Premium Tax Europe

    Katie Said:Open Medicare to all ages vs. Universal Healthcare?We Answered:if you want to make health insurance affordable all you have to do is open it up to where you can get health insurance from any state...I only 300 a month for a family of 4 in Texas but I have heard of people paying much more than that in other states...it would be easy to get health insurance to 250 a family like the New plan just by doing this and we could also keep the Government out of it... If you get health insurance from work there is no such...

    Insurance Premium Tax Increase

    Teresa Said:Didn't Obama's health care bill just cause insurance companies to spike premium costs?We Answered:Given that the health insurance mafia raises rates almost every year the addition a few new rules probably didn't make any difference in corporate decisions on this subject. I'm sure they may have factored in a few extra bucks because they can, but who's to say if these rate hikes are justified? Of course we could have had Universal health INSURANCE...a non-profit public corporation that could provide HEALTH INSURANCE for all Americans paid for by individual premiums, tax increment, co-pays and deductibles...just like Medicare....

    Insurance Premium Tax Ireland

    Jessica Said:Letter to Tax Office...I love Ireland!!!! :-)?We Answered:Sounds like he has had it. I live in the US, have had a similar amount of bad luck, and feel the same way!!!! What more can they do to us????Deanna Said:If the U.S. has the best health care in the world, why are we?We Answered:Blindness to the situation is the biggest handicap for Americans...

    Insurance Premium Tax Rate

    Carrie Said:How much does Charlie pay per month for health insurance if his annual premium is $4,000 and his...?We Answered:This first hint is to look up rates you do not know, like FICA and Medicare. [Your worker does not exceed the maximum wages for the paying of FICA.] The next hint is to convert everything to a monthly basis. Then set up a spreadsheet [line by line to match your conditions], and plug and chug to do the arithmetic. You did not give any facts for union dues or "other", so they are zero for now....

    Insurance Premium Tax Rates

    Theresa Said:What is your plan for a person making minimum wage who has no health insurance?We Answered:As the number of Americans without health insurance continues to rise, so too do the costs borne by those who have coverage, who face what might be called a “hidden health tax.” Private health insurance premiums are higher, at least in part, because uninsured people who receive health care often cannot afford to pay the full amount themselves. The costs of this uncompensated care are shifted to those who have insurance, ultimately resulting in higher insurance premiums for businesses and families. During 2007 and 2008,...

    Insurance Premium Tax Uk

    Anthony Said:Are their any negatives to the UK full license automatic (OTHER than the obvious restriction to automatic)?We Answered:Everyone does always say you should learn to drive a manual even if you want to drive an automatic car when you pass your test but I think the only real advantage is the option to drive a manual if you ever want/need to at some point in the future. You sound pretty sure that you only want to drive automatics so you might as well go for it and take test in an automatic.Edward Said:Car Insurance: What are premiums, legal fees...

    Insurance Premium Tax

    Elmer Said:Life Insurance premium tax exemption?We Answered:lifeinsurance.awardspace.info - try this one. I have their insurance and, as remember, they can provide such a service.Wilma Said:Is All kids insurance premium tax deductible?We Answered:None of them are, unless YOU are self employed.Lonnie Said:Can I deduct medical insurance premium in tax return?We Answered:The only way to deduct medical expenses of any sort is to itemize your deductions. Even then - they have to exceed 7.5% of your adjested gross income. Pretty hard to do if you make a decent amount of $ and your expenses are fairly normal.Claire Said:Can we take deduction of...

    Insurance Premium Taxes

    Samuel Said:Should you have your health insurance premiums deducted before taxes?We Answered:If you elect to have your share of health care premiums paid pretax, your withholding will be tweaked to adjust for this automatically. The difference is instead of making $20,000 at the end of the year, your W-2 will say you made $18,500. This is less income, less tax and generally a good thing. (It does reduce your income for social security purposes, but I haven't seen any persuasive logic that paying for health care post tax now will give you enough extra money in retirement to justify...

    Insurance Premium Trends

    Jackie Said:Why do Republicans side with the Democrats on pre-existing conditions?We Answered:Because that is one of the ways that the death panels that insurance companies run use to drive up profits instead of giving customers healthcare. I am always amazed how many Americans seem not to be aware about the real healthcare issues relying instead on FOX and other sources to spread lies about the healthcare system of the USA and those abroad. I mean, if healthcare in nations with universal coverage is so bad, why do they keep it? Obama wants to make insurance more available to all and change...

    Insurance Premiums After Accident

    Elmer Said:Did your insurance premium go up after an accident that was your fault?We Answered:Yes!Jane Said:How do insurance company figure out the premium after an accident?We Answered:Neither, it has to do with their evaluation of the risk you pose to them as a driver. No telling what they will decide, or what if any increase there will be at renewal time. Sometimes even the agent doesn't know.Daniel Said:About how much do car insurance premiums rise after a minor accident?We Answered:Sometimes nothing, if the payout amount was under the "threshhold limit" or if you have "first accident forgiveness" on...

    Insurance Premiums Deductible

    Amber Said:Is life insurance premiums deductible if beneficiary is a church? Does ownership matter?We Answered:You should really talk to an accountant or qualified financial planner about your question. Ownership does matter because if you name a church beneficiary and gift the premiums but then later change the beneficiary (because you are still the owner), you didn't absolutely give the premiums away. Like I said, a fee-only financial planner, accountant, or even an estate attorney should help put you on the right path once they know your goals.Wallace Said:Are my Medical Insurance Premiums deductible for 2008 Tax Return?We Answered:Take...

    Insurance Premiums Definition

    Esther Said:Why does the left think that Insurance Companies are a socialist government program?We Answered:I don't. However, I do think they are a little out of control. Health insurance company overhead is 20%. Here's an article documenting overhead among California insurers: http://www.masscare.org/wp-content/uploa… Medicare overhead is 2-3%. Does that help you see the issue? They have stopped competing against each other. It happens from time to time, and that's why we have regulators. I worked for a few years doing software in the office of a group of cardiologists. The office people complained...

    Insurance Premiums Tax Deductible

    Ella Said:Why aren't insurance premiums tax deductible?We Answered:Why should tax payers subsidize your private insurance policies? P.S. The mortgage deduction is there to encourage home ownership. The government doesn't need to encourage people to drive. Deductions and taxes are a way to control our behavior and to try to control the economy....

    Insurance Premiums Tax

    Steven Said:I am non resident alien having W-2 form for taxes, could I submit my health insurance premiums for tax returnsWe Answered:You can deduct health insurance premiums and professional liability insurance if you have enough deductions to itemize. Interest on a car loan cannot be deducted unless the car loan was a home equity loan.Zachary Said:Can medical / dental insurance costs including premiums paid PRE-TAX be tax deductible?We Answered:yes they can, any medical expense including ones from your pretaxed income, can be added on the scedule a. the only exception would be if your employer paid for the insurance....

    Insurance Quotes Online

    Erika Said:what is car insurance quotes online policy ?We Answered:a "car insurance quote" is "car insurance price estimate"Sarah Said:Can I get the best auto insurance quotes online?We Answered:I recommend you this site where you can compare quotes so you can find the best option for you http://Cheap-Car-Insurance-USA.infoLee Said:Where to get auto insurance quotes online for 16 years old ?We Answered:I recommend you this site where you can compare quotes so you can find the best option for you http://Cheap-Car-Insurance-USA.infoMark Said:how old must i be to get car insurance quotes online?We Answered:You can get a QUOTE at ANY age.....however, a QUOTE is...

    Insurance Tax Premium

    Hazel Said:Does individual health insurance qualify for tax deduction?We Answered:Healthcare Insurance Premiums are deductible as part of Medical and Dental expenses. Only the amount of all of your medical and dental expenses that exceeds 7.5% of your Adjusted Gross Income can be deducted. A better bet is to see if your employer offers a Section 125 Premium Conversion Plan (more commonly known as a "Cafeteria Plan", which would allow your employer to deduct the cost of the premiums pre-tax and send it directly to your insurance company. If your employer was willing to do this, then ALL of the...

    Is Health Insurance Premium Tax Deductible

    Tara Said:Health Insurance Question...?We Answered:You can easily check your minimal health care rates in internet, for example here - health-quotes.isgreat.orgRenee Said:could this ever be a proper sentence?We Answered:It should read..."Which of the following health insurance premiums is tax deductable? A B or C Or..."All of the following health insurance premiums are tax deductable except..."Joy Said:Insurance People --- May I Borrow Your Minds for a Moment?We Answered:Although it's a lovely idea, I can think of several reasons why it won't work: 1. it would violate millions of union contracts 2. people who CURRENTLY have preexisting conditions, wouldn't be ABLE to get health insurance. Wellness programs...

    Is There Vat On Insurance Premiums

    Michael Said:What is the real percentage that our wages are taxed?We Answered:About 40% Tax = £8,000 (leaving you about £12,000) == see Link It could be worse, and it WILL get worse (after all, the Government is about £1 Trillion short)...

    Kentucky Insurance Premium Tax

    Ralph Said:Help With Math Please!??We Answered:I am not sure what the first question is really asking but... percentage increase: find the $ increase and then divide by the original amount ie. (737 - 431)/431 = 0.71 = 71% approximately the second one: Total purchase = 2 x 45 = 90 Sales tax = 90 x 0.06 =5.40 total cost = 90 + 5.40 = 95.40 The third one: Commission = 44 000 x 0.05 = 2 200Geraldine Said:Math Problem #2 help please!?We Answered:2)the sales tax...

    Lenders Mortgage Insurance Premium

    Francis Said:MIP not being reported on Form 1098?We Answered:If the mortgage originated before 12/31/06 the MIP is not deductible. If the loan originated after that date just add it as if it appeared on the 1098 as long as you have proof that you paid it....

    Level Premium Life Insurance

    Catherine Said:Life Insurance Policies?We Answered:Girl, in future homework assignments, please break up the question into four or more parts. Reason: We only have a CHANCE to get ten points, not an assurance. For two points, these long questions are far too much of an investment of time & effort. For this question: 1. Taylor could buy insurance for the ex. This would allow him to receive the cash to hire people to care for his kids...should the ex pass. Taylor could buy insurance on each of his kids who will never again be able to have insurance at their current age and...

    Level Premium Term Insurance

    Ron Said:Domestic buildings insurance in the UK?We Answered:If the park owner is an appointed rep (AR) under the FSA then he has to treat the clients with respect under the treating customers fairly (TCF) and ICOB (Insurance conduct of business). I personally work in the creditor Insurance business, which has come under a lot of flack by the FSA and the competition commission for not allowing customers to make an informed choice on which PP Insurance policies to take out (and more importantly, comanies such as the one in question here, forcing customers to take one particular policy). Exactly the...

    Level Premium Term Life Insurance

    Carol Said:What are some additional ways to make money with Primerica?We Answered:Some other products you can earn income are: 1) Prepaid Legal. Depending on your level and what state you live in, you can earn $40 (REP) to $100 (RVP) 2) Auto Insurance. (license maybe required in your state). Payout; $50 to $85 per completed app (depends on your level). 3) Homeowner Insurance (license maybe required in your state). Payout $25 to $42.50 per completed app (depends on your level). 4) DebtWatchers. (get certified by visiting Primerica Online). Payout: $50 per enrollment. 5) SMART loan (mortgage license with federal and state is required). Payout depends...

    Liability Insurance Premium

    Ron Said:What would you expect the Premium to be on Employers and Public Liability Insurance for £10M cover on each as?We Answered:Depends on occupation, locations where you work and claims history. Asking £10M for PUBLIC Liability is quite a lot. http://www.portwood.co.uk/public-liabili… allows you the chance to obtain quotes on a per capita and also to request a quote on a turnover/ wages basis....

    Liability Insurance Premiums

    Marvin Said:How much will annual premium be for liability insurance to use School Premises?We Answered:It's probably going to run you about $750 for a stand alone policy. Why don't you check with your church, and see if you can get coverage for way less, added to your church's liability policy? You might get it for as little as $100, to $250 - as an endorsement to a church policy.April Said:How do insurance company's figure the ammount of premiums for liability insurance?We Answered:In general, insurance is based on your age, the area the vehicle is kept at night, your driving...

    Lic Insurance Premium Payment

    Tracy Said:Surrender value of the Jeevan Mitra double cover policy after 5 yrs of premium payment?We Answered:Open your policy to the table of contents.There should be a heading "Surrender Value." This page will explain how to calculate what you will receive. You will either see a full amount figure- $1000, $950,etc. or you will see something that looks like $24.75. To figure this last one out, take off the three zeroes from your policy face value- $100,000 to 100 or $150,000 to 150. Multiply that (100, 150, whatever yours is) by the 24.75.You then have to take that result and...

    Lic Life Insurance Premium

    Dennis Said:how to buy an lic life insurance policy without an agent? wouldnt the premiums be lesser if there is no agent?We Answered:with out agent you cant buy insurance policy. because insurance agent is only authorized person. and there are corporate agents,and financial ad visors and executives etc. or insurance ad visors, agents or chief life insurance ad visors. you have to purchase only those who have procure irda license. license holders bearing agency code numbers related to the company. those are the authorized. don't believe other than this, for commissions or rebate . and you can take policy...

    Lic Term Insurance Premium

    Mathew Said:About Surredering LIC policy?We Answered:Take the term cover first before surrendering the older policies. You do not have to take only from LIC . Private players offer cheaper policies. Visit www.aegonreligare.com Their rates are one of the lowest. You can calculate the premium yourself on the website. Have a look at the increasing cover policy and the critical illness riders. LIC offers critical illness riders only with endowment and moneyback policies. It does not come with term policies. You will be doing a wise thing by shifting to term policies. Insurance is an expense, not an...

    Life Insurance Calculation

    Ernest Said:life insurance underwritting rules?We Answered:Underwriting criteria vary from state to state and company to company. One company's underwriting manual will not match the underwriting criteria on another company's policy. Call a local agent and ask him/her for information on the company he/she represents.Lorraine Said:How to use rule of 72 to find how much insurance I need?We Answered:"Rule of 72" is an investment term that allow you to determine how much interest (rate of return) you need to earn in a certain period of time to double your money. For example - to double your money in 8 years you need 9%...

    Life Insurance Companies In

    Ralph Said:What kind of life insurance companies are there in South Carolina?We Answered:I live about 20 miles south of Charlotte, NC. I would say if you enjoy living in the city Charlotte is probably your best bet. It is the biggest city and has the strongest economy of NC and SC. It is one of the fastest growing cities in the country. There are quite a few suburbs you could choose from in NC and SC if you want to live here. I don't know about life insurance, I am only 21. I know taxes are higher in NC. Car...

    Life Insurance Corporation Of India Premium Payment

    Katrina Said:Why can't insurance premium be paid using credit cards in India?We Answered:Yes. Prasad that is one of the reasons. secondly, in the month of march when most people buy insurance for tax saving purpose, the effective payment to credit card company will be made somewhere around May i.e. the next financial year. That is the reason there are instances where even the payment made is disallowed by the tax department saying that the payment was not made during the financial year.Keith Said:I want to search my Life Insurance Corporation of India Insurance Corporation of India policy Number 740804761?We Answered:If you...

    Life Insurance Definition

    Dwight Said:Definition of "estate", as it applies to life insurance?We Answered:For your insurance policy, "estate" means the property of the dead person. Insurance proceeds are paid to the beneficiary. In the absence of a beneficiary, the proceeds to into the assets the dead person leaves behind -- the estate. Thats not a good idea because this may subject the proceeds to estate and inheritance tax. So your insurance company is suggesting what every agent should tell you: specify beneficiaries, who will receive the insurance policy benefit tax free.Jamie Said:Life Insurance without Suicide Clause?We Answered:What is a liberal definition...

    Life Insurance Guaranteed Premium

    Clifford Said:are their any guaranteed lowload life insurance co's out there that doesnt increase your premiums?We Answered:You can check with Ameritas or TIAA-CREF for low load insurance options. After you've called them, check with a couple insurance brokers. I have found that "low load" or "no commission" does not always make them more competitive. Sometimes, commissioned just means the insurance company gets to keep less, not that you pay more.Roberto Said:What are the differences between guaranteed and non-guaranteed columns on a life insurance policy illustrationWe Answered:Ever since life insurance companies and their agents have been using personal computers to...

    Life Insurance Lenders

    Violet Said:Home being left to me that has a non-transferable loan, and no death insurance on the loan, what do I do?We Answered:You have rights to continue to live where you are and eviction is a long process, so you don't have to hurry. The house is a valuable asset and can be used as collateral. You get a mortgage in your names and use the money to pay off the old loan.Ann Said:How do i get my life back?We Answered:Can you go to your employer and ask for an advance . May be it could be paid...

    Life Insurance Payments

    Dean Said:New York Life - can I pay my monthly life insurance payments by credit card?We Answered:cuguy711, Life insurance is actually very flexible. Since I'm from Kentucky I'm not familiar with the New York laws and regulations, so I recommend you contact a local life insurance agent. http://www.americaschoicetoday.com/Life-Insurance.html They should be able to assist you.Samuel Said:Hi, is Life insurance payments can be filed in tax returns as medical expences? Thank you?We Answered:NO you may not take any deduction for life insurance payments on you. If the life insurance is for the protection of you business interest in another person...

    Life Insurance Policy Premium

    Bernice Said:Where do i get a good life insurance policy with less premium ?We Answered:Term insurance. You can get lots of coverage for lowest amount of premium. If you were really smart, you would also invest the difference using Dollar Cost Averaging (you invest the same amont every month, no matter what the price of the share is). As your investments grow larger than your coverage amount, you should think about lowering your coverage or getting rid of your life insurance completely because you are self-insured at that point. Cash value insurance are expensive because you are paying for two things:...

    Life Insurance Policy Premiums

    Katherine Said:My Mother purchased a Life Insurance Policy through Lincoln National Life Insurance? Is there fraud?We Answered:The company is sound, and the product is legitimate. Was it appropriate for your mother? There isn't near enough information here to tell. This is a garden variety universal life product. The information you've given here is plausible, but it is also based on certain assumptions; primarily, the internal rate of return of the policy. If it was illustrated conservatively and realistically, it should perform at least as well as described. If not, your mother may need to pay additional...

    Life Insurance Premium Calculation

    Annie Said:What are the odds Palin would become the next President after McCain?We Answered:If McCain gets elected he will have a 76.8% chance if dying within 4 years, odds are 76.8 %Larry Said:Neeeeeeeeeed some Help on maths kinda easy just need help how to work it out. Thanksssssssssss!?We Answered:The answer is C. C. as in See how I'm not going to help you cheat on your homework....

    Life Insurance Premium Comparison

    Tonya Said:What actuarial techniques can be used in supervision and regulation of insurance comapnies?We Answered:State insurance laws differ somewhat, but there is some consistency thanks to the involvement of the NAIC. States employ financial examiners and actuaries who regularly visit all insurers domiciled within that state> All financial aspects of the insurer's business are closely examined, including financial records, premiums received; business expenses paid; claim losses; reinsurance agreements; etc. The GAAP accounting method is typically used when performing these audits. Also, whenever an insurer, whether domiciled within the state or not, wishes to raise its premiums, it...

    Life Insurance Premium Estimate

    Sally Said:Can anyone give me a good estimate for the monthly premium on a decent life insurance policy for 1 employee?We Answered:Nope, sorry. One employee is not a group - so it will be an individually rated policy, based on the age, health, and policy limit. Workers comp is based on the type of work, and the payroll. It's very straight forward, but you HAVE to know the type of work, and how much they're being paid. One clerical type person - sitting at a desk all day typing, will cost about $250 a year. ...

    Life Insurance Premium Finance

    Vincent Said:What are some additional ways to make money with Primerica?We Answered:Some other products you can earn income are: 1) Prepaid Legal. Depending on your level and what state you live in, you can earn $40 (REP) to $100 (RVP) 2) Auto Insurance. (license maybe required in your state). Payout; $50 to $85 per completed app (depends on your level). 3) Homeowner Insurance (license maybe required in your state). Payout $25 to $42.50 per completed app (depends on your level). 4) DebtWatchers. (get certified by visiting Primerica Online). Payout: $50 per enrollment. 5) SMART loan (mortgage license with federal and state is required). Payout depends...

    Life Insurance Premium Financing

    Antonio Said:How much tax will I have to pay?We Answered:Your tax will be near about 20 K..If you invest further 95 K than your tax will be near 10.5 K. You can invest 1 L under 80C - 25 K you have planned so you can further invest 75K You can invest 20 K in Goverment Bods so 75K + 20 K = 95 K Exemption Limit is - 1,60,000/- HRA- 23,050/- Investment- 25 K So taxable income is - 1,99,950/- Your slab- 10% You have not mentioned about PF, Leave Travel Allowances [LTA] and Fringe Benefit components [FBP] that will also affect your tax. :) :)...

    Life Insurance Premium Payment

    Ken Said:Life insurance?We Answered:You would receive the surrender value assuming that this is a guaranteed whole life policy and assuming that you haven't made any previous withdrawals or loans. As someone else stated, you will only be taxed on the surrender value less the amount of total premiums you have paid. So the amount taxes you would pay would be: $7320 less $855 multiplied by (# of payments) Multiplied by (Your tax rate) Most whole life policies don't have high enough returns to create huge interest gains.Julian Said:I lost my life insurance due to non payment but payment was deducted from wages by...

    Life Insurance Premium Quote

    Calvin Said:Is this a good life insurance quote? ING @ $940/30 year?We Answered:I'm assuming you mean for $1,000,000. And, I'm confused why are you not asking your insurance broker and why did your insurance broker not show you ING and dozens of other companies? That's what an insurance broker does. Our clients see hundreds of options and if they have questions they ask us. When you use a broker you pay nothing for their service. So, my answer is that is good, but you should be buying through a broker so the broker can show you what...

    Life Insurance Premium Quotes

    Leslie Said:Best Term Life Insurance Quotes Ownership?We Answered:You can easily check life insurance quotes in internet, for example here - lifeinsurance.awardspace.info...

    Life Insurance Premium Rates

    Johnny Said:How is State Bank of India (SBI) Life Insurance? Customer service, premium rates, etc?We Answered:Quite good...

    Life Insurance Premium Return

    Kim Said:should we cancel our whole life insurance policy?We Answered:It completely depends on why you bought the insurance in the first place. Whole life is for needs that don't go away (IE: funeral costs, final taxes, etc). Term is for temporary needs (IE: paying out debt, making sure the kids are taken care of until they are old enough to take care of themselves etc.). If you are considering cancelling this policy just to following the Buy Term and Invest the Rest strategy, DON'T DO IT! It is a seriously flawed theory and most of the books that...

    Life Insurance Premium Tax

    Felicia Said:ULIP mar-09 premium due date and paid premium in apr-09, is it possible to show this for tax 09-10?We Answered:Since investment was made in FY 09-10 it is eligible for deduction in FY 09-10 / AY 10-11. HMTMichael Said:Can I get any tax benefit on the premium which I pay regularly for my life insurance policy?We Answered:you can avail the tax benefit on your paid premiums in the financial year for the financial year subject to your taxable income and the availability of maximum cap of 1 lac under section 80 c of indian income tax act 1961. in addition to...

    Life Insurance Premium Uk

    Gertrude Said:What documents for UK tourist visa?We Answered:Getting a Visa for the UK, can be a frustrating process, and would be better if you could get a specialist visa company to arrange it for you. But please check out the links I have provided, they are UK government websites and should provide you with plenty of information.Craig Said:Do folks know who the main doctor advising Obama on health care reform is?We Answered:Hey Hip, After reading your question and agreeing 100%, I read the answers and was again, amazed at how ignorant so many are about this gov takeover. The public schools...

    Life Insurance Premium

    Irma Said:Should I continue to pay my term life insurance premium?We Answered:If I understand this correctly, what you are really asking is, "Do I want to continue this coverage in force by continuing to pay premium?" because the rest of your statement indicates why you may have taken this policy out in the first place. So, this becomes a financial planning question, if I'm correct. It looks like you have taken care of what might be called "burial expenses". Good for you. Your twins just started college, so you probably want them to get something to finish college should you die in...

    Life Insurance Premiums Canada

    Gertrude Said:How do I get health care in Canada if I move there, being already a dual citizen?We Answered:It isn't difficult to move to Canada. As a citizen you can move in any time you like. However you are not eligible for healthcare until you are fully resident: This is what you need in Ontario: You make your primary place of residence in Ontario; and generally speaking. You are in Ontario for at least 153 days of the first 183 days immediately following the date you establish residence in Ontario (you cannot be absent for more than 30 days during the first 6 months...

    Life Insurance Premiums Deductible

    Steve Said:I need some help, are the following tax deductible?We Answered:The only one of those items that might be deductible is the neurologist visits. And that is only deductible, as a medical expense, if your total medical and dental expenses are over 7.5% of your adjusted gross income - you only deduct the part that's over the 7.5%...

    Life Insurance Premiums Tax Deductible

    Julian Said:If Ron Paul abolishes the IRS how will we take those healthcare deductions and credits?We Answered:With no IRS and no income tax.. there will be nothing to take *any* kind of deductions from. There will also be no way to use an income tax system to penalize some and reward others depending on who is in or out of favor with politicians....

    Life Insurance Premiums Tax

    Julian Said:Life Insurance Tax Deductions?We Answered:Section 412(i) of the IRC. Split the money between an Annuity and a Life Insurance policy. Premiums are usually 100K a year minimum. Business owner sets up a 412i plan, puts qualified (pre-tax) money into the plans, writes off the premium against their income for the year, pulls the money out at retirement. Needs to be a fixed annuity and a whole life policy. Has to get a third party TPA as well. It's well worth it (for now) 412i has come under a lot of pressure lately. Don't know it's future. It's basically a...

    Life Insurance Premiums Taxable

    Tracey Said:FIND TAXABLE INCOME AND TAX? PLEASE HELP ME?We Answered:I'm pretty sure US tax law differs from Pakistani tax law.Bryan Said:Is my life insurance taxable?We Answered:An accountant is a better source for this. The question goes beyond the garden variety "I cashed in my life policy. How much is taxable." It sounds like your mom made all the premium contributions, and you made none. So what is her cost basis? Would you be taxed on the amount beyond the cost basis as income as if you made the premiums? Would the policy constitute a...

    Life Insurance Premiums

    Lydia Said:How do I pay my life insurance premiums on line for Globe Life and Accident Insurance Co.?We Answered:http://www.globeontheweb.com/ There's the website.Wanda Said:How long does one have to have stopped smoking to see a significant drop in life insurance premiums?We Answered:Usually its 12 months.Willie Said:Should my 90-year-old father continue to pay whole life insurance premiums?We Answered:Under no circumstances should he cash out. If he doesn't need the cash, the death benefits would maximize the proceeds to his heirs (or the designated beneficiaries) and be distributed tax-free. If he does need money, at his age he can receive a life...

    Life Insurance Price

    Rose Said:What is a good life insurance company for the price?We Answered:That is difficult to say. there are many factors that go into pricing of life insurance such as age, gender, general health, occupation and location. Also the type of life insurance you buy greatly affects the price. You're best option is to speak with an independent agent (ie one who can write insurance from a variety of companies) in your area (or a national agency) and compare policies and prices. Often times, the cheapest policy isn't the best for you....but only you can make that...

    Life Insurance Prices

    Nathan Said:Who knows if cheap insurance is any good?We Answered:With life insurance, there is a huge price difference, and each company rates different risks differently. It's OK, to buy based on price, AS LONG AS you're comparing apples to apples coverage, AND the company is rated A or better. The QUALITY, is the fact that the insurance is licensed to sell policies in your state, and AM Best rates them A or better. Don't bother with online sites - they will harvest your personal information to sell it.Juanita Said:where can a diabetic find low priced Term Life Insurance?We Answered:Coverage...

    Life Insurance Return Of Premium

    Theresa Said:My father is of the age 62yrs,I want to give him life cover(whole life insurance).The return is not imporatnt.?We Answered:lifeinsurance.awardspace.info - try this one. I have their insurance and, as remember, they can provide such a service.Donna Said:Federal Life insurance for a 23 year-old?We Answered:Premium means, cost of insurance. I think you're confusing that with death benefit. Insurance through an employer is almost always group term coverage. The rate is subject to change every year, and they can drop it all together, if they want to. I would no way rely on my employer, to pay for...

    Life Insurance Single Premium

    Donna Said:what is the Life insurance cover?We Answered:lifeinsurance.awardspace.info - try this one. I have their insurance and, as remember, they can provide such a service.Guy Said:Tax treatment of Single Premium Whole life policy before tax changes in 1988?We Answered:The tax law changes created something called a Modified Endowment Contract (MEC - defined in section 7702A of the Internal Revenue Code). Because your policy was issued before then, you are not subject to MEC rules, which provides greater tax advantages for you. To access the cash value, you have a few main options: (1) take a policy loan, (2) surrender the...

    Life Insurance With Return Of Premium

    Peter Said:Whole life vs. term--can you prove higher return with whole life?We Answered:Whole life: A client of mine owned it since 1978. It is now 2006 and there's only 20,000 in the cash value. The client is now 58 years old and going to retire soon. Do you think $20,000 is enough for retirement? That won't even last for 1 year. So the average rate of return is less than 2%. Remember: To access cash value, you have to borrow it (this is stated in every cash value policy). If you wish to take it all out, you will have...

    List Of Insurance Companies

    Billy Said:List of insurance companies and regulatory bodies in the USA?We Answered:Here's a link to a web page that has links to all State insurance departments: http://www.naic.org/state_web_map.htm Getting a list of all licensed health insurers will be much more difficult. You can go to your local library and review the A. M. Best Guide, which lists all licensed insurers. It has a web site, but I don't think you can print a list. I hope this helps.Vanessa Said:Is there a list of Insurance Companies that did not honor Katrina policy Holders?We Answered:Hate to say this but most people that...

    Loan Insurance Company

    Veronica Said:Can my auto loan company charge me for not having insurance for a month 3 months after it happened?We Answered:I'd fight this. If you didn't have any losses to your vehicle during the period they are trying to charge you for, then what's their concern? I understand per your contract you are required to carry insurance coverage on your vehicle, but the only thing they need to be concerned about is if you currently have active coverage. If you're not carrying coverage right now, then they have the right to charge you for placing their own coverage on your...

    Loan Insurance Cover

    Natalie Said:will my insurance company cover the price of my car loan?We Answered:Unless you're policy is on an agreed value basis (only available on restored classic or antique vehicles) or your policy has some sort of endorsement that waives depreciation (only available is your purchased a new vehicle and you are it's first owner) your policy only covers (and is rated for) the actual cash value of the vehicle. So if your vehicle is worth $15,000 then that is all you would get if you had a total loss. If you had GAP coverage (which is a separate policy usually...

    Loan Insurance Policy

    Nelson Said:How is the loan value of a whole life insurance policy determined?We Answered:It's often a percentage of the total cash surrender value of the policy (not the death benefit), such as 90%. For example, a $50,000 policy might have a cash value of $5,000. So the maximum loan available might be $4,500. But you'll have to know the terms of the policy to be sure.Raul Said:At age 29, is it better to take out a loan on my life insurance policy or surrender the policy?We Answered:First off, Suze Orman is a bit of a quack. ...

    Long Term Disability Insurance Premiums

    Velma Said:short-term disability income insurance, question about premiuim?We Answered:Yes - the longer the duration, the higher the premium.Joshua Said:Pre-existing conditions with a private long term disability insurance policy...?We Answered:if they increase the premium to cover this pre existing condition, then you should be covered. please always confirm with the insurance company as we do not know if there are any other fine prints. i am not sure of the definition in question 2 but as i said, always go back to the insurance company to confirm if you are in doubt. if you did not disclose a pre existing condition, i...

    Low Insurance Premium

    Leslie Said:how to get a cheaper insurance premium?We Answered:There are many factors which are used by the insurer to calculate the risk and so the premium they charge for car insurance - these are mainly; 1 Age and sex of the policyholder (who must be the Main driver, and registered keeper) and that of any additional drivers. 2. The cars age, mileage, value, insurance group, security and the companies own claims history for that vehicle 3. The occupation of the policyholder and any named drivers 4. The claims history of any drivers 5. The licence details of drivers (endorsements, length of time held) 6. Where the...

    Low Insurance Premiums

    David Said:What used car models (1998-2005) will have the lowest insurance premiums in Ontario, Canada?We Answered:In Ontario almost all insurers use what is called the CLEAR rating system for vehicles. Every vehicle is assigned a rating for Collision, Comprehensive (these would reflect how expensive it would cost to repair the vehicle if damaged and it's relative value if it was involved in a total loss), and Accident Benefits (likelihood of being injured in an accident with that vehicle and the severity of injury in a certain situation). The Accident Benefits section of your policy (which is a mandatory coverage) is...

    Low Premium Car Insurance

    Toni Said:£2250, is it a reasonable car insurance premimum as a newly passed 19 year old male?We Answered:imagine how many taxis u could take with that moneyBrandon Said:Will going to a good driving school reduce my car insurance payments in Quebec?We Answered:No driving school can get you a lower premium. Be sure that the driving school is one that is approved by the provincial government. Go to the ministry of transportation and ask for a list of approved schools. The approved schools give courses that meet all the requirements of the government and so your insurer will...

    Low Premium Health Insurance

    Marsha Said:low-cost health insurance company?We Answered:The average health insurer, right now, pays out $.99 for every $1 taken in, in claims. Additionally, a private health insurer pays out about $.20 for every premium dollar taken in, in administrative costs (electricity, postage, paper, rent, salaries, benefits, insurace for their employees, etc). So, right now, expenses are about $1.19 for every $1 they take in. The difference is made up, by investment income on the reserves (the float). How much lower, can you lower the rate, before you go out of business? Any private insurer can, of...

    Low Premium Insurance

    Tiffany Said:Will a fake no claims certificate get me a lower car insurance premium?We Answered:The insurance companies have a database that they search, a piece of paper will not stop them from checking. It's like your credit, you can stand in a car dealer and say I have perfect credit, 10 minutes later they run your credit and see you have a 300 beacon score, same theory.Craig Said:How do I lower my health insurance premium? I have a pre-existing condition.?We Answered:health-quotes.isgreat.org - here is my health insurance plan. As I remember they can provide such a service.Dustin Said:which insurance companies...

    Low Premium Life Insurance

    Roger Said:Life insurance exam: How long does it take tobacco/nicotine to leave system?We Answered:Most life insurance companies will ask if you've used any kind of tobacco in the past X months (usually 12 months). If you explain to them when and why you smoked they make give you the non smoker rate or make you pay the smoker rate for a year, retake the nicotine test and then lower you down to the nonsmoker rate. I would advise you not to cover it up because I'll guarantee you that life insurance fraud is much worse than being branded...

    Low Premium Term Insurance

    Freddie Said:What percent of term life insurance policies pay out?We Answered:Statistics say that only 2-3% of death claims are settled by term policies. My suggestion is to call a LOCAL agent and have him/her do a free Financial Need Analysis (FNA), or other Total Need Program, to help you understand the differences in term and permanent, and to make an educated decision as to how much insurance you need, and what type. I'm not going to argue which is better, term or permanent, at this point. That would be up to you after receiving knowledge with your FNA. You might want to consider...

    Lower Auto Insurance Premium

    Angela Said:Auto Insurance Companies With Lower Prices?We Answered:Yes all companies could have a lower/higher cost than Allstate. You will have to get on the phone with a agent and compare prices or do a search on the internet with the same coverage that you currently have now. Many companies will increase/decrease their rates each year based on how many claims they paid, or it they are competing with other companies, may price lower to steal your business. But you need to compare if it is worth changing or staying. Say for instance, it costs $60 less...

    Lower Car Insurance Premiums

    Stephen Said:what factors affect car insurance premiums?We Answered:To get insurance on your own would be foolish and very expensive. It would be better and cheaper to leave the car in Mom's name and also leave the insurance in Mom's name. You need to speak with her insurance agent because you need to be added to her insurance anyway (if you haven't already been added). Read below: Household Auto insurance rules: YOU MUST DISCLOSE ALL HOUSEHOLD MEMBERS THAT HAVE A DRIVERS LICENSE....WHETHER THEY WILL DRIVE THE CAR OR NOT.......! You need to disclose all household members in your household....

    Lower Health Insurance Premiums

    Milton Said:Isn't it amazing how Obamacare will lower health insurance premiums by 3,000%, so they start paying US?We Answered:I can't believe he said that, wow! He must be all wee wee'd up again.Terry Said:A way to make health insurance premiums to go down.?We Answered:I agree, one of the biggest issues in America is rampant and uncontrolled profiteering and the expense of poor people. We spend more per person on health care than any other nation, yet we rank (according to the CIA) 46th in the world for infant mortality. The money clearly isn't all going into the health care system, much of...

    Lower Insurance Premiums

    Laura Said:Exactly how will Obamacare lower insurance premiums?We Answered:Anytime the government gets involved it adds more overhead and less efficiency...No way can insuring millions more people for "free" be free.Arnold Said:How can insurance companies lower premiums if healthy opt to wait until they are sick to buy insurance.?We Answered:The business model that the democrats are pushing simply won't work. This will cause insurance companies to go out of business or simply hike up the rates. Doesn't common sense tell you that if a person waits until they get sick and then enrolls, that it is a losing propostion...

    Lowest Insurance Premium

    Gina Said:Which car insurance company offers the lowest premium?We Answered:Try this http://painintheexhaust.blogspot.com You can get free quotes there are 3 companies on there that give you quotes from different sources. Its free and you'll have an idea if your paying too much now. Good luck we've all been there.Melvin Said:Where in FL (county?) lowest auto insurance premium?We Answered:This depends on many different individual factors such as your driving history, your car ect. The best bet to find the lowest premium in FL is to get a online insurance quote that will compare all companies in your area and...

    Lowest Premium Health Insurance

    Beatrice Said:which health insurance in the US has the lowest deductible while also having the lowest premium?We Answered:Many different companies will have a $0 deductible; you can't get much lower than that! Of course, a lower deductible will mean a higher premium. Generally, the amount you save with a higher premium plan pays for the deductible in the long run. Most individual policies will have the doctor visits and prescriptions for a small co-pay without having to meet the deductible. The deductible mainly comes into play if you have to go into the hospital. Just remember, with health insurance you...

    Lowest Premium Term Insurance

    Jessie Said:term life insurance versus universal?We Answered:Term is usually the better bet from a purely economic standpoint, but if you have trouble saving, universal can play a role -- but for it to work, you need to be very motivated to keep up those premiums. The basic idea is that universal is sort of like 2 things rolled into one -- it is life insurance, so it pays some amount of money when you die. But it is also has a savings component, so some of the premiums you are paying in are essentially going there, and being invested by...

    Lowest Term Insurance Premium In India

    Esther Said:Which is lowest cost ulip plan in india?We Answered:Pure Term Plan + Investment in ELSS or MFs is the best low cost plan. Even the best ULIP will not give you what the above combination can give. HMT...

    Lowest Term Insurance Premium

    Gail Said:Where can I get a good Long Term Care insurance policy?We Answered:You can look into Mutual of Omaha, and United American Insurance Company. Either one will be happy to talk with you.Alfredo Said:Which provides better health Insurance coverage? Traditional Medical Coverage or Short-Term Medical Coverage?We Answered:This is an excellent question! In America people are purchasing "Short Term" Policies are opening themselves up to a "world of problems". You see in the United States we passed a law that enables employees be offered "Cobra" , Cobra is for your "protection". Let me give you a couple...

    Malpractice Insurance Premiums

    Darrell Said:why shouldn't obama-ites bail out the doctors who pay such high medical malpractice premiums rather than...?We Answered:limiting malpractice claims is up to each state and some states have already done so look, we are only first world nation to have screwed up healthcare and only for profit insurance system if you take the profit out you can afford to treat everybody you can call it what you want but it worksCharles Said:Doctors: how does malpractice insurance affect you?We Answered:some money gets taken out montly but thats about it . good thing to have i thinkDave Said:Malpractice Insurance?We Answered:Some are lower than 30k, and some are...

    Marine Insurance Premium

    Louis Said:does anyone know the where abouts of will for richard bartley dorosk died1990 in georgia, cobb county?We Answered:No, you don't get "free life insurance" for life, after you retire, military or not. You DO get the benefit of a military funeral, which can save money. If, however, he converted his John Hancock policy to private insurance when he retired, it is possible it was still in force. What you need to do, is 1. Become executor/administrator of his estate, so you can have LEGAL ACCESS to the information 2. Get copies of all...

    Maruti Insurance Premium

    Barbara Said:What to do if insurance renewal for my old car is refused?We Answered:ah what nonsense.. these agents takes one for a ride. There are many nationalized companies like the Oriental, New India Assurance, United India Co etc .. try these guys if not at-least they would guide you. I don't think there should be any problem for a 10 year old vehicle, they would inspect and take a survey of your Omini. Don't worry.Bertha Said:Insurance Premium for Maruti Alto?We Answered:About 4000/- (at most)...

    Meaning Of Insurance

    Elmer Said:What is the meaning of liability insurance of a lawyer?We Answered:an attorney's mistakes/negligence can substantially affect lives and thus expose the lawyer to suits... like all other companies, insurance is needed for protection.Lynn Said:This may sound silly but what does "$1000 max out of pocket" mean insurance wise?We Answered:Yes, It means that the most your will have to pay is $1000 for year. Typically, your deductible is included. Since, you are like 7 months into your pregnancy your deductible and out of pocket costs may be counted in for last years. ( depending on when your plan year starts)...

    Medical Insurance Premium Calculator

    Gilbert Said:HSA--is it worth it?We Answered:Can't you just calculate this on your own?? Just run the numbers for last year....

    Medical Insurance Premium

    Rachel Said:how do i obtain a total medical insurance premium paid to write off on my taxes?We Answered:The total should be on your last check stub of the year. Otherwise, call your payroll office.Steven Said:Is the first month medical insurance premium automatically taken if an application is approved?We Answered:Generally, the first month payment will be drawn as soon as they get the application, prior to approval, although some companies will make the withdrawl on approval. Yes, you'll get a chance to review the contract and will be refunded the money if you don't want to accept it.Deanna Said:If I...

    Medical Insurance Premiums Deductible

    Tara Said:can someone claim on their schedule c medical insurance premiums as a deductible expense?We Answered:Yes....

    Medical Insurance Premiums Tax Deductible

    Jaime Said:Are premiums paid for medical insurance deductable medical expenses?We Answered:In the Pub 17, it says, "Medical expenses include the premiums you pay for insurance that covers the expenses of medical care, and the amounts you pay for transportation to get medical care." So as long as you pay for the medical insurance, you are allow to take that deduction....

    Medical Insurance Premiums

    Cathy Said:How can I used pretax money to pay for personal medical insurance premiums?We Answered:healthplans.bebto.com - here is my health insurance plan. As I remember they can provide such a service.Ruth Said:How do we get insurance companies to reduce medical insurance premiums to employers?We Answered:As an insurance agent and previous benefits coordinator, I cannot agree more with your concern. The cost of medical premiums are at an all time high. Even worse though, is individual coverage. Insurance companies, like BlueCross, have the right to exclude a pre-existing medical condition (rider) of an applicant. I cannot tell you how many times...

    Medical Malpractice Insurance Premium

    Kevin Said:Does Obama have a plan to help doctors with skyrocketing legal costs?We Answered:According to publicintegrity.org Trial lawyers are the largest special interest group donating to political parties and candiates. They give more than the next 20 largest special interest groups combined. IE: more than big oil, insurance, pharmacutical, realestate, etc combined. 80% of thier donations, go to the DNC and democratic candiates. So of course Obama is NOT going to do anything about the high cost of malpractice insurance. He is a lawyer, he knows where his bread is buttered.Carlos Said:Making health-care affordableWe Answered:i think your 6th point would be a good incentive to doctors....

    Medical Malpractice Insurance Premiums

    Virgil Said:Which states have the best medical malpractice climate for doctors?We Answered:PARachel Said:Any frustrated medical doctors regarding malpractice insurance?We Answered:I am not a doctor but I work with doctors in a hospital and I never heard of any premiums costing that much. The hospital where I work pays and covers all malpractice insurance for its employees. doc's tend to get some extra on thier own but the costs are not that high. I dated a Doctor once for a short time about 5 years ago who was a ER doctor, and he brought home a little over $200,00. I think...

    Medicare Insurance Premium For 2010

    Ivan Said:dropped medical insurance coverage?We Answered:Why was the premium to be reduced? That is not normal. If the policy was cancelled for nonpayment of the actual premium, you're going to have to pay to catch up. Additionally, you should consider filing a complaint with your state insurance commissioner.Christine Said:Questions regards Medicare and State High Risk pool=Indiana?We Answered:First off, Part C is the Medicare Advantage plans. Medicare Advantage plans and Medicare Supplements are two different products and they work differently. When he turns 65 he can get either a Medicare Advantage plan (most of which also include Part...

    Medicare Insurance Premium

    Allen Said:If I am a member of AARP, what would its premium be for supplemental insurance to Medicare B?We Answered:if you're talking about the medicare D plans i think AARP's plans start at about $25. none of AARP's plans have the $500 deductible but you have to pay more if you don't want to fall in the 'doughnut hole'. if you really need help with this email me and i can walk you through finding a good plan. they vary by state but AARP and Humana both have good plans. don't sign up for medicare advantage whatever...

    Medicare Insurance Premiums

    Marlene Said:Question About Medicare Premiums & Using Medicare As A Secondary?We Answered:Everyone has to pay the Part B Medicare premium if you are enrolled in Medicare, even if you have a secondary insurance. I dont know if Medicare is billed first or second. If you dont want to be enrolled in Medicare, you can get out of it by writing to social security.Rodney Said:Does the state of Idaho pay Medicare insurance premiums?We Answered:The vast majority of medicare costs are paid by the TAXPAYER, not the recipient. Then the recipient pays a fraction of the premium. That's how it works.Henry...

    Mediclaim Insurance Premium

    Eugene Said:Best Health Insurance / Mediclaim provider company/scheme?We Answered:I have also checked reliance & it is best as far as charges are concerned. but go through the policy document before decidingGwendolyn Said:Which is the best in Mediclaim Insurance?We Answered:medsaveLoretta Said:How Can I apply for mediclaim? Which is d best insurance co. wat r d benefits n how much i've to pay premium?We Answered:Wow, that is a hard question to understand. You realize your not texting here and that you have a lot of space to type out your question right? Anyways, I have never heard the term mediclaim, so I...

    Medigap Insurance Premiums

    Ron Said:When would a person on Medicare & Medicaid benefit from having a medigap policy ?We Answered:If your Mom is receiving both Medicare and Medicaid - Medicare is her primary policy and Medicaid is considered her medigap policy- She would not need another medigap policy - My brother is on Medicare and Medicaid and what Medicare doesn't pay, Medicaid picks up the 'gap".Courtney Said:Are these some of the hidden 'costs' of Obamacare (per the Wall Street Journal?)?We Answered:I find it hard to believe this is about Health Care at all. The word "mandatory" is always frightening. To force young, healthy people to pay...

    Minimum Premium Health Insurance

    Kyle Said:Health insurance for all: How much extra would you be willing to pay?We Answered:The US pays between 50%-100% more than any other industrial country for health costs. Because of that, US employers that provide health insurance either must pay workers less or are at a competitive disadvantage with companies in other countries. Even Switzerland which has a system similar to the US but provides universal health insurance, pays about 11% of GDP for health care as compared to the US which pays 17% of GDP. The US system is broken and at the current rate of increase costs, employers will...

    Monthly Insurance Premium

    Norman Said:If I file a claim on my health insurance, will the monthly premium increase?We Answered:No. It's not like car insurance. Health insurance companies are NOT allowed to surcharge you after you start putting in claims....

    Mortgage Insurance Coverage

    Wayne Said:Does my mortgage company allow me to insure my house with more added features & coverage ?We Answered:The only insurance your lender might require is private mortgage insurance, which is insurance against the possibility that you will default on your loan. It has nothing to do with insuring your home against damage. When you insure the home, you want to insure it for the cost of rebuilding it exactly as it is today. This figure could be significantly less than the market value of your home. In some cases, if you have made significant upgrades and remodeling, the replacement...

    Mortgage Insurance Premium Deduction

    Annette Said:please helpe 10 points plus best answer!!!?We Answered:1. Health insurance premiums 2. Involuntary deduction based on a percentage of gross pay 3. Mortgage 4. Involuntary and fixed - it is fixed as a percentage of gross income. 5. The amount of income on hand. » All these answers are inadequate. Realized income is the amount of money you have when you sell a stock or bond. The opposite of realized income is unrealized income. For example, if you have a stock which goes up $500, but you don't sell it then you have potential (unrealized) income. 6. More quickly. You are earning...

    Mortgage Insurance Premium Rates

    Mary Said:Refinancing a loan - questions and pros/cons?We Answered:When we refinanced our old house, it appraised for 2.5 times our original purchase price (a fixer-upper we had fixed up) and yes, we had to have a new appraisal, but no it did not raise our property taxes. If your insurance coverage is insufficient to cover full replacement of the house now that you have made all your improvements you may want to increase your coverage which would raise your premiums, but it would be worth it. The closing costs you've been offered sound reasonable to me. Your break even...

    Mortgage Insurance Premium Refund

    Eric Said:If you change your homeowners insurance to a lower rate does your escrow rebate you the difference?We Answered:Good question, I'm not sure. I also recently switched insurance companies, but in my mortgage, I'm responsible for it. No money is taken out for insurance. Alot of Texas loans are setup this way. In your case, I would contact your mortgage company and try to get it adjusted to the new rate (which means they will be charging you less per year). Its best homeowners shop around for insurance, mortgage companies certainly won't, what do they care about saving...

    Mortgage Insurance Premium

    Yolanda Said:How is the housing bubble in the US able to cause an entire global meltdown?We Answered:Global Banks ...

    Mortgage Insurance Premiums Deductible

    Jim Said:Any REALISTIC ideas how we can scale back our budget?We Answered:You have made some big strides paying off all that debt. Good job! It looks like you will have $51 free up from the credit card debt. I suggest you add that to your student loan payment or car payment to help pay that debt down faster. You need to get to $0 car loan payments as fast as possible. If you can sell a car and replace it with a fully paid for vehicle that helps. Drive a clunker if that is what you need to do. Can you...

    Mortgage Insurance Premiums Fha

    Hector Said:Does refinancing our home make sense?We Answered:If you plan on selling the house in 5 years or later then it makes sense to go ahead and do the refinance now. You will be lowering your payments by $100 or $6000 over the next 5 years. The information that is missing from this equation is the cost of the loan. What is your current principle? What will be your principle on the new loan? $6000 - the difference in your principle will tell you if it is a good idea. If this is a positive number, then...

    Mortgage Insurance Premiums

    Steve Said:Can I deduct my mortgage insurance premiums?We Answered:Generally, mortgage insurance premiums can be claimed as a deduction on Schedule A....

    Mortgage Life Insurance Cost

    Marie Said:Is there anywhere i can go to take th series 6 and 63 exam that doesnt cost so much?We Answered:The system is very standardized and while they may seem expensive, that's the price that everyone across the board has to pay. If you're having trouble paying it, talk to your employer or future employer. They'll usually pay for the test for you to get certified....

    Mortgage Life Insurance Premium

    Jose Said:I don't ask other people to ?We Answered:You're never going to get a socialist utopia with an attitude like that....

    Mortgage Loan Insurance Premium

    Wayne Said:2nd mortgage co. says deductable to low, wants 1500 instead of 1000 we have on our insurance. can they?We Answered:I don't understand your question because what you are saying you have now with the $1000 deductable is better coverage than what you are saying they want, which is a $1500 deductable. I don't understand what you are saying. Maybe you didn't have any coverage on the 2nd line of credit and that is what they are making you get....

    Mortgage Loan Insurance

    Kurt Said:Do you have to get mortgage insurance if you get an FHA loan?We Answered:YES - FHA REQUIRES MORTGAGE INSURANCE ON ALL LOANS NOW. NOT JUST A MONTHLY PREMIUM (WHICH IS .55% OF THE LOAN AMOUNT) BUT ALSO A PREIUM OF 1.50% OF THE LOAN AMOUNT, WHICH IS ADDED TO THE LOAN AMOUNT. SAY YOU ARE BORROWING 200,000, THEN YOU MORTGAGE INSURANCE PREMIUM ADDED TO THE 200,000 WOULD BE $3,OOO, PLUS A MONTHLY PREIUM OF $100.00, WHICH IS ADDED TO YOUR PAYMENT. THIS WILL REMAIN ON YOUR MONTHLY PREIUM FOR A MINIMUM OF 5 YEARS.Lewis Said:Need Home Owners Insurance in...

    Mortgage Premium Insurance

    Darren Said:can i claim PMI that was paid at closing?We Answered:Overview You may be able to take the first-time homebuyer credit if you are an eligible buyer who purchased a home as your primary residence in 2008, 2009 or 2010. Eligibility varies depending upon the year of your purchase. And there are specific benefits that certain members of the military and certain other federal employees have, such as an additional year to buy a home in the United States, if they otherwise qualify for the credit. This credit reduces your tax bill or increases your refund depending on the tax you owe....

    Motor Insurance Premium

    Katie Said:is it legal for a motor insurance company to take £100 out of my bank account?We Answered:If you cancel a policy, there is always a cancellation fee, usually equivalent to one months premium. Contact Swinton and enquire as to whether or not they have charged a cancellation fee, and check that they know the insurance has been cancelled....

    Motor Insurance Premiums

    Ivan Said:What motor insurance rating software/ systems can i get off the shelf? Which are the best.?We Answered:There are websites you can go to to input the information and have quotes presented to you, but if you're looking for something you can download to your computer at home then you'd be looking like rating software that insurance brokers/agents use. This software costs several thousands of dollars and you have to show the company that you have a contract to sell insurance for the insurers you want the rates for.Joyce Said:A tax levied on motor fuels, alcoholic beverages, tobacco and insurance...

    Motorcycle Insurance Premium

    Dean Said:How much can be motorcycle insurance premium?We Answered:well... im not sure... call and find out.Mario Said:How much is the insurance premium on a motorcycle 125cc?We Answered:The younger you are, the more you're going to pay. In your case, it might not be affordable, due to your license suspensions. If you get liability only, rather than buying insurance to cover the motorcycle itself in an accident, it might save a little.Chris Said:Get Discounts on Motorcycle Insurance?We Answered:It depends on the company that you choose as far as what discounts you can get. You are on the right track...

    National Insurance Mediclaim Policy Premium

    Cheryl Said:Free Health check up in Mediclaim policy?We Answered:yes after every four claimless uears you can claim free health check up. Ammount may be 1 0r 2 % of your policy valyu. make shre with yoiur co. Only you have toi submit the bills of the health check up and yu get cheque of the value alowed ammount. good bye take care...

    National Insurance Premium Chart

    Gloria Said:Can I have the Critical illness premium chart of National Insurance Company Limited ?We Answered:You many want to call the people at National Medicare Supplements www.nationalmedicaresupplements.com or if you are in Texas, http://www.texasbestmedicare.com/ Source(s): http://www.nationalmedicaresupplements.com http://www.texasbestmedicare.com/...

    No Fault Insurance

    Raul Said:Florida is a no fault state. After both insurance companies tenure up all claim money available what's left?We Answered:If you have already gotten a lawyer then you have nothing else you can do. Good Luck.Corey Said:can my no fault insurance cover the querter window replacement ?We Answered:That would be covered under your Comprehensive coverage. If you do not have 'Own Damage' coverage under your policy it will not be covered.Edna Said:I had No Fault insurance in Mich. The guy who hit me is from Ohio.Do I have any recourse for cost of my auto?We Answered:Yup... MI laws suck! It's...

    Obesity Insurance Premiums

    Everett Said:Are the Obese to blame for obesity?We Answered:No, many obese simply have a tendency to become obese and it's not their fault. Take me, for instance, I'm 45, slim, I can eat anything I want, I've always been slim, not to say skinny, and I'll always remain that way. It's genetic. Anyway, life isn't about blame, people have enough problems as it is, they don't need to be blamed just because somebody thinks taxes are too high. You go in that direction and people won't be able to eat, drink, smoke, in fact do anything anymore...Jill Said:Is it legal...

    One Time Premium Life Insurance

    Richard Said:what is a free life insurance policy?We Answered:This sounds like either a prepaid funeral service type policy (very small policy that is just enough to pay for funeral services), or a limited pay whole life policy (you pay for X number of years and then you keep the policy until you die) but there is no where near enough information to be able to tell for sure. What you are going to need to do is find the policy itself or at least he policy number and contact the co op insurance that sold it and get them to explain...

    Online Insurance Quote

    Eugene Said:When doing an online insurance quote what is considered full coverage?We Answered:It depends on which state you live in as each state has minimum insurance requirements for full coverage. As you didn't mention which state you live in, it isn't possible to give you an exact answer. Comprehensive claims are things like when you hit a deer or a tree falls on your car. Collision claims are when you hit another vehicle or object or another vehicle hits you. The 500/500 you mentioned is likely a $500,000 policy limit or it could be a $500 deductible, depending on where these...

    Online Insurance Quotes

    Cheryl Said:Is there a site I can get insurance quotes online without someone calling me?We Answered:You're not going to be able to compare auto and renters insurance rates without talking to an agent. Insurance rates are filed with each state and are public knowledge, so it is easy for a website to think that they are giving you an accurate quote, but they are unable to determine what discounts you might qualify for. Talk to an agent, they're the ones who have trained to advise you on your insurance needs. You'll appreciate it when you have a claim.Melanie Said:Wheres a...

    Online Payment Of Insurance Premium

    Norma Said:My insurance company let my disability policy lapse. What can I do?We Answered:The check must have got lost in the mail. But you have proof that you sent the payment. So, contact the Department of Insurance in your state and file a complaint and/or ask for some help. There are laws about constructive delivery of payments. A link is below to the Department of Insurance. Just click on your state. I think you will be o.k. but not positive. Your lucky to have proof you sent the payment.Johnny Said:Health...

    Ontario Insurance Premium Tax

    Lonnie Said:Why can't there be a land USA & Canada BOTH share?We Answered:And America will suspect "McHorton's" of producing weapons of mass destruction. It will consequently invade the small "provincial-state" and secure the area with its own brand of democracy. And the price of oil will go up for no apparent reason....

    Oriental Health Insurance Premium

    Jeff Said:National health insurance(India) question?We Answered:All health policies in India are limited in scope. The general attitude of the insurance companies is to make money for themselves and not really support the clients. For example, when some policy holder makes claims for hospitalisation, they have lots of reasons to deny, exclude, reject etc. In my opinion once a person buys a health insurance policy, she should be helped throughout without making her/him to spend further. Let them follow the good practices in other countries. Fix a premium no matter how big or small. But once premium is paid, answer all...

    Oriental Insurance Mediclaim Premium

    Dana Said:Which is Best Policy for Higher Aged Persons ?We Answered:The information provided by you does not clearly mention if your parents are enjoying GOOD HEALTH presently or have any Pre-Existing Ailments. A proper answer about which policy suits them (which policy from which company as well as a Floater policy or an individual cover) can be given after information is available. Fortunately, now a days, we have insurance policies available which offer coverage for Pre-Existing Ailments after 45 days. This period of covering the pre-existing ailments can vary from 45 days to 4 years depending...

    Over 50 Insurance

    Leslie Said:Is there any Free Medical Insurance for someone over 50 years old?We Answered:Get as much resource as you can maybe is one option,however it could be quite time consuming,here http://www.HealthInsuranceFree.info is one resource i have had good experience.Terry Said:What US life Insurance companies are best for males over 50?We Answered:There are many good life insurance companies for you to choose from for your husband's term life insurance. Remember, term life insurance provides protection for a specific number of years, usually, 10, 15, 20 or 30 years. When the term expires, there is no life insurance left. Also, term life insurance...

    Pay Insurance Premium Online

    Marian Said:life insurance corporation of india policy details online?We Answered:If you have not already registered on the LIC web site go to this link: http://www.licindia.com/NewUserRegistrat… Upon registration you will be able to view your policy status.Erica Said:How can I pay my Globe Life Insurance Premiums online?We Answered:Go to www.globeontheweb.com. Click on the eServiceCenter. Register your account using your policy number and email address. Once you are register on the eServiceCenter, you can view and pay your bill online.Bernard Said:Do I need an insurance agent or just go online?We Answered:Most importantly, do you know ANYTHING about the policy you're buying on your most...

    Permanent Life Insurance Premiums

    Susan Said:Does universal life insurance make sense for us over term?We Answered:It's impossible to say which you should pick, because from what I see, you're "trying to get a deal". You haven't done the MOST important thing, when buying life insurance - SET THE GOAL. What's the GOAL you want the life insurance to acheive? Keep in mind, life insurance is primarily a DEATH planning tool, and a for most people, a crappy investment tool. Always RUN THE NUMBERS. Then, check the guarantees. Many agents sell Universal Life based on the BEST possible scenario - which leaves...

    Pet Insurance Premiums

    Don Said:trupanion pet insurance is it good?We Answered:I have Trupanion for my dog and I think they are great! I say go for it. They are really friendly and they process claims really quickly. Plus I like that they don't have benefits schedules so they pay the whole claim. It's good that you're looking into it while your kitten is young so that anything that happens will be covered! Good luck!Wendy Said:Pet insurance for my bullmastiff... pet plan, more than, the kennel club or another?We Answered:I would agree with the first person that answered, well for the most part. Pets...

    Postal Life Insurance Premium

    Leona Said:Postal life insurance - reg.?We Answered:ICICI OR LIC BEST NOT OTHER ONEMathew Said:Public Provident Fund vs Postal Life Insurance?We Answered:Go for PPF....

    Premium Assignment Insurance

    Herbert Said:dolly barton began barton office services in october and during that month completed these transactions:?We Answered:If u wana earn money online working from home then u can joint the online money making programs listed here http://earnmoneyonlinecashr.notlong.com work part time n with time your income will be more than full timeFrederick Said:Health Insurance Quotes Questions?We Answered:This is very difficult to answer because there is no average policy. The premium for an HMO, a PPO and an indemnity plan can vary widely. The premium varies also with the deductible, the co-insurance, the location, the co-pays and what is covered with the policy. The premium goes up...

    Premium Auto Insurance

    Leroy Said:Liberals, How has mandating auto insurance lowered premium prices?We Answered:It hasn't that is why the insurance lobby pushed it through. You ever think maybe you are looking for the boogeyman in the wrong placesMarsha Said:Why auto insurance premium dependent on credit score? I think it is unfair.?We Answered:For California, my understanding is, a credit score has nothing to do with the "rating" of premium, that is to say its not a rating computation factor. A credit score only determines "eligibility" into insurance programs or the availability of all the payment options. A not so good credit score may not...

    Premium Back Term Insurance Plans

    Gladys Said:Obama's Health Insurance - How much will the premium be?We Answered:The cost will be expensive and still unattainable for most. Obama has no idea on the cost, he just keeps saying he will do something. McCain will give you $5000 towards your premium for a year every year which would easily cover the premium for myself and family. I think he has a much better plan, if the government decides not to provide coverage at no cost to all Americans, which they can and should do. Our system needs reforming to the point of Eurpoean countries so...

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    Virgil Said:ha who can i answer this :-) ?We Answered:Do the work.Alvin Said:what happened to men with leadership ability and qualifications and a clear plan to lead america?We Answered:Reagan was the last man that came close. I see no-one at this time that actually fits your description. I would love to see a true leader arise, and an end to the rule of the power mad, money grubbing, tax and spend hacks. We need a constitutional convention and drastic reform. The government is too big, bloated and intrusive. It steals from the people and it like seems...

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    Harry Said:What is a 6-month premium (car insurance) ?We Answered:Usually, car insurance policies renew every 6 months. They are quoted based on a 6 month rate. Generally, the 6 month premium is due upfront. The cost could vary slightly based on the number if payments/installments you want to make. Whether it changes (next 6 months), that will depend on your driving record, normal rate increases, changes in coverage, whether you moved to a new city, age of your vehicle, etc......

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    Natalie Said:Sratched my rental car today, can I call and add insurance?We Answered:No, it's too late to add the insurance. You have to do it immediately upon renting. Yes, they will know. I rented a car one weekend and while driving on the highway, a small pebble struck the windshield and caused a tiny crack. As soon as I drove up with the car, this guy walked right up to the windshield and pointed to the crack. They charged me $28 dollars to fix the crack although I lied and said I did not crack it.Nancy Said:Car Insurance Premium?We Answered:It's...

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    Tara Said:a car insurance company that will take me with many tickets?We Answered:Hey, I used to work for Progressive, we just entered New Jersey about...eh...7 months ago or so. You might want to give them a shot. Your rate is going to be higher than normal of course, because you are a higher risk because of the violations. But they will insure anybody. Good luck! Have fun shopping! (yeah, right....)...

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    Rita Said:Lindsay Lohan has to pay a ton for car insurance, why shouldn't fat people & smokers pay more in medicare tax?We Answered:Insurance and taxes are completely different things. Insurance is voluntary. Taxes are mandatory. If Lindsay Lohan wants to just take the bus, she doesn't have to pay insurance premium at all. She will still pay taxes though. Insurance companies structure their rates to be appealing to the most people, that's how they make money...discounts for good behavior, penalties for high risk choices. Always aware that customers could opt out entirely if the...

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    Anna Said:Why are people against health care reform bring in a CHOICE?We Answered:The insurance companies own the hospitals. They decided on the charges. In most of the civilised world there is health care for every one from the cradle to the grave. People can and do choose private care if they can afford it or they can have private health insurance too, not instead because it has been proved that they use the private system to start with then when the insurance cover stops they claim state aid. Insurances last for a year. They have exclusion clauses. Any one with a long...

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    Lois Said:What annual medical costs will Ronald pay using the sample medical expenses..?We Answered:These questions you're asking us are just BASIC, SIMPLE MATH. You should be able to do them in about 30 seconds with no problem. Just READ the problem and think about it: He visited his doctor four times. He pays 20 percent of the cost of each visit. Each visit costs $125. So he pays 4 times 20 percent of 125 for his doctor's visits. He also pays 20 percent of his prescription cost. So he pays 20 percent of (65 plus 89) for his prescriptions. He also pays $42.32...

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    Jennie Said:Why is everyone's health insurance premium the same?We Answered:I'll take this more from a group plan perspective. They CAN actually charge more for certain lifestyle choices, such as smoking. Some companies have actually fired employees who didn't quit smoking, as this is something employers may discriminate by when considering employment. My company charges an extra $25/mo if you or your spouse is a smoker. It is harder to vary rates by overweight or fitness level (even if it is for the fat, lazy slob who eats 3 big macs for lunch every day). Because of ERISA...

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    Marion Said:AUTO INSURANCE AND CREDIT REPORTS, What does one have to do with the other?We Answered:You are correct, many insurance companies are indeed checking credit reports and refusing people, or charging more for those whose credit isn't good. Personally, I think this practice should be outlawed. I don't believe that bad credit makes someone more likely to file a claim, or a fraudulent claim. This was the claim the industry used to get permission to do that. It's also become a common practice to run a credit check for a job too! So..you get a little behind...

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    Don Said:concerning car insurance, why would your credit score effect your premium?We Answered:The worse your credit the higher chance that a person will get into an accident & file a claim. It is that simple. Some companies don't use credit still, though. You may want to try a site that compares multiple companies at once to get you the best price. I'm paying less than ? after I did. You'll want to research this some more.... http://www.safelinked.info/go.php?link=insurance Have a nice day....

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    Valerie Said:Do you know why buying Dental Insurance is not a good idea ?We Answered:In order to stay in business, the company has to take more in from premiums, than it pays out in benefits. That's how the game is played. However there are some companies that are better than others and won't delay and deny claims....

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    Audrey Said:Did the Democrats just get stabbed in the back by the health insurance companies?We Answered:It is all BS! They lied-- again. I once worked for Oxford Health Plans (now United Heathcare). When we went through a tough financial period they cut out Friday bagels for the employees while the President and CEO, Dr. Norman Payson received 11.5 million dollars per year. Maybe Dr Norm could have made due with just a mere 11 million per year and we could have kept a small perk that everyone loved. The for profit Health Insurance industry is pure evil. Universal care-- with...

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    Alfredo Said:Did you know the Republican National Committee SUBSIDIZES ABORTIONS?We Answered:I heard about it, it's interesting.Carrie Said:can someone please help me to write a summary on this news http://www.voanews.com/english/2009-10-13-voa56.cfm?We Answered:For the past eight years America has been seeking help from our government to fix the out- of-control health care system in America. However, our government has backed away from the challenge of taking on the medical and pharmaceutical giants. Now, under a new president, significant steps are being taken to ensure all Americans have adequate medical insurance and care. Although there remains much to be done the success of the...

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    Arnold Said:Am i liable to pay a family member for life insurance payout of a family member?We Answered:I agree with the above. Your grandfather had the rights to the money and he gave it to you. Your Aunt had no claim to it whatsoever regardless of her contributions to the premium. UNLESS she can prove that it was previously agreed upon that she would have access to the money after the death of your mother.Karl Said:Life insurance settlements (polices for sale to a 3rd party provider), What providers deal without brokers?We Answered:Hi, your friendly insurance guy here, again. I really...

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    Todd Said:Health care financing initiative: 7.5% of adjusted gross income set as maximum premium for health insurance?We Answered:That's actually got some promise although, obviously, it needs to be more flushed out....

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    John Said:Why is my car insurance so high?We Answered:autoinsurance.bebto.com - try this one. I personally have their car insurance, cause it is the cheapest for me in our area.Jeffrey Said:How many of you realize that their will be no Civil War or any changes made no matter who is in office?We Answered:War by 2050.Troy Said:help meeeeeeeeeeeeeeeeeeeee?We Answered:I have some areas in quotes, and my points after. Just looking at the references quickly: make sure it's alphabetic and in the proper format; ala, mla, cse, or something else. "poking a hole through their wallet." - need something better "The outrageous cost of healthcare...

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    Marie Said:I am good driver in California. I am 54 yr old and first time I scratched other car. Should I report aaa my in?We Answered:Your question should be: Will any premium increase that I may, (not will) receive be more than $1400.00 ? Of course you should file a claim. Why in the world even have insurance if you are not going to use it.Angel Said:will my monthly premium for car insurance go up?We Answered:Just call your insurance company and ask them. There are too many factors at stake here for how much it...

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    Sally Said:(UK only) Young driver insurance?We Answered:As far as I am aware, none will - bike insurance and car insurance are completely separate, so any experience on the other will be irrelevant.Jesse Said:Where can I get a fair priced car insurance for a first time driver at the age of 17 and Male?We Answered:No matter how good you are or think you are you will have to pay the going rate for everyone in similar circumstances as you for that car. Far too late to get insurance money off someone after they have done some damage. that has never been...

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    Jeffery Said:I have invested RS 50000 as first premium in HDFC young star plus 2 insurance plan and need to pay premium fir?We Answered:In India unfortunately there is no regulation over the commission of Insurance Agent.So many(not all) Insurance Agent only sells the policy which gives more commission.This commission amount taken from your premium amount.So your premium was not totally invested.It was invested after deducting allocation charges which is 60% in your policy.It means only Rs.20000 are invested in the fund out of Rs.50000.Also the policy administration charges are very high Rs.60/month.On 2nd year allocation charges are 7% & 2%...

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    Lonnie Said:i m from india & i want a only risk focused mini. premium life insurance policy for the term of 15 to 20 yrs?We Answered:There is a form you can fill out, enter the amount of coverage you would like and it will show you the current policy coverage amounts. 24 Years old - $250,000 15 Year Term = $87.08 month Of course there are many factors involved with buying a life insurance policy and I HIGHLY suggest getting an agent involved to recommend the coverage you would need.Misty Said:Am I paying too much for my life insurance premium?We Answered:It depends...

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    Ronnie Said:How does health insurance work - when insurance premium can generally increase?We Answered:No. The premiums will not go up for that. Usually health insurance is up for renewal once a year and the cost increases at that time, but not just because you use your policy. The cost of group health insurance where I work has had double digit increases in the premiums every year for 10 years now. The health insurance companies are out of control. If you have insurance and need health care - go get the care you need.Tonya Said:So I...

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    Jaime Said:Pharmacists questions??!? PLEASE HELP !? PLEASE!!!!!!?We Answered:1. must go to pharmacy school- 4 yrs; but hard to get in. 2. depends on the work environment; in pharmacy like cvs you would be working with pharmacy technician; in a hospital you could be workign in the emergency room calcualting doses and working wiht doctors. 3. You may want to go into reaserach or somethign find a new drug and make millions. 4. No idea; sorry 5. Know a lot about medicine will be popular wiht all your friends when they need advice about drugs. 6. Good pay; and not hours like a doctor busy...

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    Jeanette Said:Why does the premium drop when you add home insurance to an car insurance?We Answered:Many companies offer a discount for bundling services as a way to attract more business. Same as the cable company giving you a discount when you add internet or phone service.Javier Said:Why does the premium drop when you add home insurance to an auto insurance?We Answered:It's a "package discount" - an incentive to write BOTH lines of business. They do that, because experience shows that if you have one policy with one company, and another with a different company, they're less likely to...

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    Yolanda Said:If my house Got into Fire, can my insurance can they move me another location?We Answered:His insurance will pay for temporary accommodations while his house is being repaired, however if he decides he wants to move elsewhere his insurance will not pay for a house elsewhere nor will they pay for him to move....

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    Rodney Said:How do I calculate what should be charged as an insurance premium?We Answered:Well, there are about 15 major factors that go into each quote. The rating books I've seen, are typically 80 to 100 pages. Each company has their own rates, which are on file with the state insurance department. It's practically impossible to set up a simple excel worksheet to calculate this, without ALL the other factorsHarold Said:What percentage does your car insurance premium drop when you get married?We Answered:There is no set percentage of a drop due to marriage. Insurance varies by state and also...

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    Brittany Said:Ontario Canada Auto Insurance Companies. Can you recommend one that is reasonably priced.?We Answered:My husband and I have been using Belairdirect. They're online, in Ontario, and have always been very helpful. They were the cheapest we found, and offer a $0 deductible, $1 million coverage. A few months ago, over winter, our rear windshield cracked and then blew up completely. They covered it entirely (not even a deductible, and no questions asked). I highly recommend them. Check them out at www.belairdirect.comElizabeth Said:do I have to contribute to employment insurance premiums in Canada?We Answered:If your any employee YES. If your self/employed NO. Major...

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    Leah Said:My car got bumped into! Insurance Question (Canada)?We Answered:If you reported the incident to the police then they cannot raise your rates because of the claim. Also you have to have Collision coverage on your policy in Ontario, Alberta, Nova Scotia, New Brunswick, Yukon, NWT, Nunavut and Newfoundland in order for the damage to be covered, subject to your deductible. In B.C. coverage is provided by a mandatory coverage called Unidentified Motorist coverage, and I'm not sure about Saskatchewan, Manitoba or Quebec. However you may have a claims free discount on your policy that you might lose. It would...

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    Marion Said:Once an insurance company encashes my premium cheque, from when should the risk start?We Answered:There are guidelines given with each quote that state when the coverage will begin. The fact that they cashed your check unfortunately does not mean that coverage has started. If you think this should be a different date then review the information given to you when quoted and see what the stipulations are. Good luck!Esther Said:Is it legal for an insurance company to refund the premium and refuse to pay the claim.?We Answered:What the life insurance company did is called recision. It's perfectly legal....

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    Melvin Said:Could $5,000 cover the healthcare insurance premium for a family?We Answered:You know what is amazing to me........how many families who have no health insurance have Wii's for their kids, drive new cars as opposed to older ones which also results in higher insurance premiums, have satellite TV, cell phones, manicures and pedicures, nice furniture, drink, smoke, take vacations, etc......then they cry when they have no insurance. Crazy. I know not all people are like that but many are. $5000.00 is more than enough to pay for a great insurance policy.Linda Said:A flying object hits the front of my car on...

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    Jo Said:National health insurance proposal?We Answered:What's your question, exactly? If it was up to the individual to get their own, personal health insurance, even fewer people would have medical insurance. It is much, much, MUCH cheaper to purchase health insurance for people as a group than it is for people to purchase it individually. In many instances, the premiums that people are paying for employer-offered health insurance are only about half of the actual premium, because the employer is paying the other half. Sometimes the employer even pays MORE than half the premium. People complain now about the high...

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    Wanda Said:Why has no nation on Earth ever had a successful private, for-profit, universal health insurance system?We Answered:As you say, it is because of the unique situation regarding health care. In the United State between the health insurance industry, the pharmaceutical industry, and the food industry there seems to be three-headed monster that has a goal to keep the populous in ill-health. The result is that we have a health care system that is more reactive to sickness rather than proactive in promoting wellness (which would mean a whole lot less profit for all three of those industries). And...

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    Alicia Said:My insurance premium during an ongoing claim (UK)?We Answered:You will have to pay the full wack. If the claim is not your fault-then your bonus will be reinstated and any excess paid on your premium will be repaid to you.Velma Said:does your car insurance premium rise after a heart attack(UK)?We Answered:you only have to tell your insurance company if you had to tell the dvla, which you shouldn't have to do unless its a heart condition as opposed to a one off heart attack.Erika Said:3 pts on UK license, does it affect my insurance premium?We Answered:If you haven't actually got...

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    Amber Said:I am looking for a good company to go to for life insurance. What company doesn't increase their premiums?We Answered:Why do you need life insurance? I don't know your situation, but lets say you are married, own a home, have kids, and have some consumer debt such as credit cards. You probably don't have lots of money saved, so the need for life insurance is very high. In later years, your kids move out, your mortgage is paid off, and you shouldn't have too much consumer debt. You are retiring and you better have lots of money saved. So...

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    Ronnie Said:How does return of premium life insurance work?We Answered:Return of premium term insurance (ROP) is a relatively new type of coverage that generally combines low, term-like, premiums with a guaranteed refund of the premiums paid during the level term period, assuming the insured is still living at the end of the level term. These ROP plans are available in 15, 20, or 30-year term versions. Consumer interest in these plans has continued to grow each year, as they are often significantly less expensive than permanent types of insurance, yet, like many permanent plans, they still may offer cash surrender...

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    Suzanne Said:I want to know if Farmers Insurance has a site where I can pay my insurance premium on line?We Answered:Farmers DOES have a website, oddly enough it's www.farmersinsurance.com. You can make a payment online ONCE, using this site: http://www.farmers.com/FarmComm/WebSite/…Virgil Said:can I pay my daughters life ins premium on line?We Answered:I've never seen a life insurance company that takes online payments. That's because the only way to pay online, is with credit cards, and most - if not all - states, don't allow life insurance premiums to be paid with credit cards....

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    Mae Said:Why do I have to pay for mortgage insurance?We Answered:you DON'T HAVE TO PAY PMI. Just put 20% down and there is no PMI. With the less you put down, the higher risk you are to the bank. People say PMI is a rip off. I totally disagree. It allows you to get into a home with less then 20%....

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    Rita Said:if i make motor claim in the past, do i need to mention it when buying a new insurance?We Answered:different companies have different time limits - most want to know if you have made a claim in the last 3 - 5 years. If you have had a claim and do not tell them then should then have another accident and make a claim they could invalidate your insurance for making a false application. The insurance companies share information from a central database so they certainly can/will find out.Alicia Said:Can my neighbours motor insurer issue him with a default?We Answered:Yes it...

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    Marcia Said:Which insurance companies offer a storage option?We Answered:You need shopping around,the best choice for me maybe is not the best one for you.It is really depend on many factors.Brandy Said:Where can I find salvage motorcycles directly from the insurance company?We Answered:Wisconsin- Dane county area - has a cycle salvage yard that gets about 1/2 the odd wrecks in area directly from the insurance companies. They are license salvage and retail dealer. The other about 1/2 the wrecks go to auto salvage yards as side business - the insurance company has long establish business relationship with the yard for...

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    Melvin Said:How does health insurance work - when insurance premium can generally increase?We Answered:insurance tips : http://insurance3.cnPearl Said:What is her total monthly premium for all her insurance?We Answered:5824+600+365=6789/12=$565.75Delores Said:Can i include the premium for Insurance taken on the name of my mother for my tax exemption?We Answered:No. The money you're paying for her insurance, is your gift to her.Sarah Said:Doctors treat you better with more premium insurance?We Answered:Two separate questions in that one. All doctors must behave ethically, they give an oath. So, ethically, they cannot treat patients differently based on their insurance or worth. First question - "would...

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    Brittany Said:Healthy Pets Insurance or Pet Pals?We Answered:Hi there...most pet insurer's only provide preventative care and rarely offer enough financial assistance in urgent care. Based on some of the research noted on the Internet, some pet insurance agencies can go out of business leaving the insured without any coverage so it's best to select from companies who are financially doing well and been around for some time as well. Most of my clients opt to put aside a monthly allotment of funds in a savings account that can earn interest for pet care and emergencies. Those...

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    Reginald Said:Data protection & car insurance: HELP!?We Answered:IT IS LEGAL FOR SWINTON TO KEEP YOUR NO CLAIMS BONUS AS YOU STILL OWE THEM MONEY. YOU DONT GO INTO A SHOP BUYAN ITEM IN INSTALLMENTS AND EXPECT TO KEEP THE ITEM WHEN YOU STOP PAYING FOR IT. DO YOU?? UNTIL YOU CLEAR THE DEBT THEY CAN WITH HOLD IT DATA PROTECTION HAS NOTHING TO DO WITH IT....

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    Ralph Said:The annual premium on a fire insurance policy for $12,000 is $22.80. The premium rate per $100 is?We Answered:The annual premium is $22.8 for $12000,then the premium for $1.00 is $22.8/12000=$0.0019. Then for $100.00 is $0.0019*100=$0.19. That is to say, the annual rate is 0.19%Dora Said:What is "guaranteed issue at community rate" and how will it affect my health insurance premium?We Answered:Read the link below. http://economix.blogs.nytimes.com/2010/0…Nellie Said:can i avoid a owners insurance claim by fixing the damage before the damage is assessed?We Answered:Ok, your neighbor is actually shooting himself in the foot and it will come back to bite him. His mistake...

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    Michele Said:Why does your Fica score dictate an insurance premium rate, why not your driving record?We Answered:No, but unfortunately studies and statistics show that individuals who have lower credit scores are much more likely to defraud their insurance company on a loss of the vehicle with a underlying idea that the company will pay off a vehicle that they cannot afford. Sad, but true to a degree.Luis Said:How can driving school eliminate the possibility of insurance premium increase after a speeding ticket?We Answered:You can compare how the insurance quotes would change, for example here - autoinsurance.undonet.comDenise Said:Does a wet reckless...

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    Audrey Said:I bought Whole life insurance in 1990, has not done well. How can I get better return on this? Cash / reinvestWe Answered:buy turm & invest the differenceJamie Said:A life insurance policy is a financial asset, with the premiums paid representing the investment's cost.?We Answered:I don't. Life insurance is a DEATH planning tool, and sometimes an ESTATE planning tool. It's a crappy "investment" tool. Don't expect a "return" on investment with it. Kinda like, using a Prada shoe to hammer a nail into a wall. Yes, it works, but it's a damn expensive way...

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    Greg Said:u.k. provisional driver?We Answered:try rental car agencys? for quotes on vechicle of choice...see what they charge?Adrian Said:I have a question regarding U.K motorvehicle insurance?We Answered:if you do not declare what is asked then your policy is invalid its simpple as thatJerome Said:Thieves have stolen my car keys? What should I do?We Answered:Ok, Depending on what evidence the police find in your car they probably will charge the person for burglary, as they did break into your house, although failed at taking your car. The phone you found will probably help too and if they are caught with your keys...

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    Dora Said:Post Office Jobs?We Answered:I can sympathize with you. I was recently laid-off for the 6th time in 10 years from a high-tech company. Hang tight on the application materials. The federal government is always very slow in responding to requests. The usual response time for the government is about a month. I would recommend asking your local post office employees about the process...try your own mail carrier when he/she delivers your mail. They'll give you some good advice.Aaron Said:Please help me fix my laptop.?We Answered:Sounds like it may be overheating. Try cleaning out all the dust which...

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    Franklin Said:Our health care insurance premium went up again. Why?We Answered:healthquotes.awardspace.info - my family have this health insurance. It is affordable and has good coverage for dental issues.Erik Said:What's reasonable insurance quote for new driver (UK)?We Answered:There are many factors which are used by the insurer to calculate the risk and so the premium they charge for car insurance - these are mainly; 1 Age and sex of the policyholder (who must be the Main driver, and registered keeper) and that of any additional drivers. 2. The cars age, mileage, value, insurance group, security and the companies own claims history for that...

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    Dustin Said:Is the premium for universal life insurance tax deductible esp. when there os cash value ?We Answered:Insurance is NEVER a good investment strategy. If you wanted a tax deduction, a qualified retirement account would have been a better idea. The cash surrender value (they always forget the surrender part) you may never get depending on if you have an option a or option b UL policy. Even then, it only goes to the beneficiary. Depending on your age, cash it out, get a term policy, and invest the rest in something that will get you better returns.Judy...

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    Russell Said:What's the point of paying my premium if my term life insurance is expiring next month?We Answered:the only point would be to have coverage in that last month. You could get hit by a car tomorrow...you never know. The other point would be if you are looking to convert the coverage to another term or to a whole life product after it expires if that is an option available to you. By converting it you don't have to provide medical information or any other underwriting in most cases, which might be important if you have any health...

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    Violet Said:Any disadvantages to having two (20 & 30 yr) term life insurance policies for half the amount each?We Answered:I don't see a significant disadvantage. I have clients who do this a lot. The only disadvantage being if you need both policies beyond 20 years. Then the premium on the 20 year term will start increasing in year 21. However, as you get older you need less coverage in most cases so it might not be an issue.Arlene Said:LIFE INSURANCE - 5 yr term or 30 yr guaranteed term? Please read extra text before answering! Thank you :)?We...

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    Rene Said:Which life insurance is the best one to get and the most affordable and reasonable? Is it the whole life?We Answered:Term life insurance is cheaper than whole life insurance. The best one to get will depend on your financial needs. You may not even need life insurance. Term life insurance to replace income and pay off debts for your spouse and kids. Whole life insurance or universal life insurance to pay for your funeral expenses and for estate planning. Try this site http://free-best-life-insures-comparator-usa.blogspot.com/ Here you can get quotes from different life insurance companies in your area, its the best way to find an affordable...

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    Javier Said:Is there a Zero Deductible/0 Deductible Travel Insurance Plan available for people travelling from India?We Answered:Yes there are Zero [0] Deductible Travel Insurance Plans available for Indians travelling abroad. These plans are ofcourse not of Indian Insurance Companies but of Insurance Companies in the USA. Remember, taking Travel Insurance from any country is fine, as finally the claim is settled. So if you buy a USA Insurance Companies Travel Insurance policy and go abroad or an Indian Insurance Companies Travel Insurance policy it does not matter. To buy USA Insurance Companies Travel Insurance you can visit websites like: http://usa.insurancemall.in [Here you can...

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    Jessie Said:Where do I deduct Health Insurance Premiums for a Sole Shareholder?We Answered:This gets deducted on Form 1040, line 29 (self-employed health insurance deduction). It is subtracted from gross income to arrive at your AGI. it is NOT included with medical expense as an itemized deduction on Schedule A. here is a link to Form 1040 and its instructions. http://search.irs.gov/web/query.html?col…Joanne Said:Does anyone know where I can go to find health insurance with reasonable premiums.?We Answered:some cheap ones available onlineGertrude Said:Do members of the House and Senate pay no premiums for their Cadillac health insurance? Shouldn't they pay?We Answered:...Congress has exempted itself from...

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    Ted Said:Disability and Life insurance premiums?We Answered:You can easily check life insurance quotes in internet, for example here - lifeinsurance.awardspace.infoMiriam Said:Would you pay high premiums for a life insurance policy on a child with type 1 diabetes?We Answered:My parents bought me a policy right after I was diagnosed. They must not have had much hope for me. It's long since been cashed in. Really as long as type ones are chugging along these days, I probably wouldn't. To answer your second question, I know I was already diagnosed when I got insurance, so i know I wasn't...

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    Enrique Said:Do Smokers have to pay higher premiums for life insurance than non-smokers?We Answered:Smokers do pay more for life insurance, since they have a higher risk of dying during the period covered by a term life policy and a higher risk of dying earlier and thus making fewer premium payments for a whole life policy. The return of an annuity policy varies by the age of the insured and other factors. For an accurate quote, log onto a website like http://www.lifeinsurancewiz.com and fill out a form requesting a free quote. Yes, employers can discriminate against smokers. Since many employers are...

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    Lonnie Said:Is this a prime example of bi-patrisan cooperation that Obama was talking about?We Answered:You seem angry...Are you afraid that Obama can kick your azz?Gina Said:Anyone getting wracked on auto insur premiums after credit check?We Answered:"Good credit" and "subprime" are self-defined concepts.Guy Said:How many people have put their "prime" homes up for sale and have received "0"offers?We Answered:Could be a slow market in your area. What are employment conditions like? Maybe the house you're talking about is priced too high....

    Private Insurance Premiums

    Barry Said:Why do private health insurance companies raise your premiums while giving you less healthcare?We Answered:Yes. And they like to pay their upper management a lot of money. CEO of United Healthcare makes 100 million /year... about 100,000 per hour.Eric Said:How do health insurance premiums go down if private insurance is forced to cover preexisting illnesses?We Answered:The cost isn't going anywhere but up. Any rational person knows that, but this debate is fueled by emotion, not logic.Vernon Said:Will premiums turn into taxation without representation after Obama care ends private insurance?We Answered:you read something besides the health care...

    Pro Premium Insurance

    Gregory Said:Should I claim Insurance under my own policy or another person policy?We Answered:Okay, here's the deal......cops don't determine negligence, and that's what car accidents are about, negligence. So forget the police report, it's not needed (unless you didn't get the info on the other parties involved and then the police report helps). As long as the other drivers verbally confirm to their respective carriers the accident happened as you say you're fine. Now to answer whether you should go through your insurance or not......I suggest you go thru your own and here's why: the at fault CAN...

    Property Insurance Premium

    Elizabeth Said:a property insurance policy has an annual premium of 780. ?We Answered:None of the above. If the annual premium is $780, then that is $65 per month, and 5 months is $325.Lisa Said:Insurance premium on a small bar / restaurant?We Answered:You would be best served by finding yourself a LOCAL independent insurance agent in your community that specializes in small businesses. Since you will be a pub/tavern, with no food sales - you won't have the cooking exposure but you WILL have the alcohol exposure (dram shop laws apply) and you will need to be sure to have liquor liability....

    Property Insurance Premiums

    Tamara Said:Which of the following statements is TRUE with respect to property insurance?We Answered:A) FALSE : The Premium is the amount that the insured pays TO the Insurer B) TRUE : In such cases the insurer then takes over the right of action to sue the third party - this is called SUBROGATION C) FALSE D) FALSE : you can insure any property provided you stand to lose if it is destroyed or damaged. E) FALSE : In general you cannot insure property that is owned by another person as you do not have an INSURABLE INTEREST in that property (see my answer...

    Public Liability Insurance Premium

    Jeremy Said:How much should I pay for liability insurance for a non-profit?We Answered:If your organization has been teaching classes in a local high school, it is very likely that you already have Commercial General Liability Insurance. If you don't then you should consult a local independent insurance agent who can review your operation and give you advice as to what policies and/or coverage you need and will be able to give you quotes from multiple companies. Unfortunately you have not given us enough information to even give you a range for your quote. A local independent agent...

    Public Liability Insurance

    Brad Said:Can I get public liability insurance by the day?We Answered:It's called Public Event Liability Insurance. Your own insurance company will have it they all have.Stephen Said:Dog walking need public liability insurance?We Answered:What will you do if a dog you are walking kills a child? Or gets hit by a car? If you are running a business, unfortunatly, you need some insurance coverageLeah Said:We are a manufacturing unit in India. What would be our benefit if we go in for Public Liability Insurance?We Answered:Self protection. If a member of the public was injured or killed because of your working practices or negligence....

    Pure Premium Insurance

    John Said:can someone tell me the formula for net earned premium or net premiums earned?We Answered:Well, "pure loss" isn't common. I'd use "loss cost" if we were talking about workers comp. Net earned premium will vary by line of coverage and state. In a state with no short rate penalty and no cancellation fees, it will be premium x days in force divided by 365. Unless you're talking about audited premiums.Donald Said:personal finance help?We Answered:(a) DO NOT DECREASE YOUR PROVIDENT FUND. (b) What for you need ULIP since you say you are adequately covered by army pension and medical benefits? (c) It...

    Qualified Mortgage Insurance Premiums

    Ken Said:Pregnant - Am I elgible for Medicaid or other gov "medical only" assisted programs in PA?We Answered:You need to go and apply for the assistance whether we think you will get it or not! I believe you should get medical coverage, but as you said it would be for the duration of you pregnancy only (I live in IN and am on medicaid and have coverage for my pregnancy and 6 wks after birth). As someone else said, look up your states requirements, but go apply either way, you wont know for sure unless you do because they take...

    Refund Of Insurance Premiums

    Keith Said:Employer taking out health insurance premiums, but no coverage yet -- legal?We Answered:Group health insurance premiums are "pre-paid". Premiums that are taken out of your check in Feb. will pay March premiums, etc. There is usually only a two week (or one payroll cycle) advance payment though. I have seen it go as far as one entire month in advance, but this is somewhat rare. Anything beyond that and there is probably an issue with the enrollment paperwork. If the effective date of the benefits are changed, then he would be entitled to a...

    Rental Property Insurance

    Greg Said:In the state of Florida do you have to have house insurance on a rental property?We Answered:You sue him either way. If he has insurance, the insurance company may choose to settle without a lawsuit, just as he can choose to do. If he has insurance, the insurance pays the settlement or the judgement. If he doesn't have insurance, he pays the settlement or judgement.Jorge Said:What kind and how much is insurance for a rental property?We Answered:We pay like 150 a year, for up to 30000 replacement for theft. I forget what else it includes, but...

    Renters Insurance Premiums

    Stephanie Said:Can I avoid Deductible on renters insurance?We Answered:I am a commercial broker and specialize in multi-family properties. Your renters insurance in no way would cover this claim and the manager is ludicrous for thinking it would. As previously stated your renters insurance covers your personal belongings, not the structure or building. Also you are in no way liable for this so again it wouldn't be covered under the liability portion of your renters insurance. This scenario is exactly why the owner of the apartment building has insurance. If they refuse to fix the damages on their end you may be...

    Return Of Insurance Premium

    Regina Said:how long does my employer have to return cancelled health insurance premiums.?We Answered:What do you mean, you didn't "renew" it? Did you activly opt out of it? Or was it "open enrollment"? If you don't actively change something, it's still in force. Does your employer collect in advance of the premium, or after the fact? You need to ask the EMPLOYER where that premium is, but it COULD have been paying for the prior month's insurance....

    Return Of Premium Disability Insurance

    Jack Said:I have a legal questions about Maternity Leave / Benefits...please help!?We Answered:It's understandable to not want to discuss this with your HR department but this is a good example of time when it is necessary. Be honest with them and they will do the same with you. Every company's policies are different. They may also be able to suggest some additional options for you as far as obtaining insurance before the baby is due. Being honest and finding out all of your options from your company is the best way to go so you will not be surprised...

    Return Of Premium Insurance

    Grace Said:How does Return of Premium life insurance work?We Answered:ROP Term Insurance As I thought the life insurance industry can't screw people up more than they already have with the cash value life insurance, a new type of term insurance called Return of Premium (ROP) Term Insurance been showing up these days. ROP Term Insurance is nothing more than screwed up version of whole life insurance. While its less expensive than Whole Life insurance, its more expensive than term insurance. If you don't know this fact, whole life insurance builds cash value which you can borrow at anytime (don't that sound...

    Return Of Premium Life Insurance

    Gregory Said:Does anyone have any experience with Aflac or SBLI for life insurance?We Answered:The additional premium charged for an ROP term and the resulting refund amount to about a 2-3% return. It's simply not worth it. BTW, Insurance Pickle, your Hyundai/BMW analogy doesn't hold water. The Genesis Sedan is a comparable (if not significantly better) car to the BMW 7-series for the cost of a 3-series.Johnnie Said:Maximum Guranteed Returns on Life Insurance Policy (LIC India)?We Answered:If you are talking about guaranteed return then you are talking about Traditional policy & not ULIP. All Traditional policies of LIC gives return of...

    Return Of Premium Term Insurance

    Eric Said:Which is best option for investment for tax saving? I need to invest 10k? How about PPF or TERM INSURANCE?We Answered:Term Insurance? That is not an investment. A term policy expires and is worthless unless you die. Whole Life is called an investment by people who sell it or people who got scammed into buying it, but Whole is considered by most financial people as a scam. You get your money back (if you don't die), but they don't pay you any real interest on your money if any. PPF? is that a pension protection thing? That...

    Return Of Premium Term Life Insurance

    Stacy Said:6 math questions help needed asap please?We Answered:44 If the employer pays 80%, then you pay 20%. you can do the rest good luckSergio Said:1. If the probability that a married man will vote in a given election is 0.60, the probability that a marriedWe Answered:probablyDarren Said:Math homework questions.. answers needed please asap?We Answered:25/ $8.00 i think - I can't see the question any more!Tracy Said:Which is the best ULIP scheme currently in India?We Answered:you can refer to BimaDeals.com/ULIP where you can compare past returns of all ulip scheme. You can also refer policybazar.com/lifeinsurance. If you want to go for a...

    Return On Premium Insurance

    Stephen Said:c. Life insurance companies must pay administrative costs and sales representatives' commissions; hence, the e?We Answered:Because life insurance isn't an INVESTMENT product. You don't buy it, looking for a RETURN on your money. It's a DEATH planning tool. You buy it, in case you DIE.Morris Said:I'm buying critical care insurance, do I want a return of premium rider or just reg. critical care insurance?We Answered:Return of Premium rider is not an investment. A Return of Premium rider basically gives you a money back gauratee of sorts where if you don't make a claim, they will...

    Return On Premium Life Insurance

    Erin Said:Life Insurance?We Answered:It depends if there is family that you're wanting to leave something behind for...children, grandchildren? When taking out life insurance, some things to consider are: premium, term or length of coverage, cash value. Also, consider if there is longevity in your family. At age 66, most companies can offer you 20yr term policy. You may find a few that can offer you 30yr policy. So if there is longevity in your family and based on your current health, do you see yourself living until age 86? If not, then a "term policy" may be ok but keep in mind if...

    Risk Premium Insurance

    Thelma Said:What is the risk premium at the maximum insurance premium?We Answered:You say that, like there's only one risk, one line, and one policy. Silly.Gerald Said:what insurance is based on a princile called A premium earnings B investment premiums C division of risk?We Answered:C. But if you want to PASS that test, you'll have to look up all the answers, to see if I'm giving you the right one or not.Jon Said:Risk Management: driving without insurance and risks imposed?We Answered:You can lose your driver's license.Mathew Said:How do I get a preferred risk premium on flood insurance?We Answered:It will...

    Safeway Premium Insurance

    Louise Said:Safe Way Club Card and Insurance Implication?We Answered:Guarding customer privacy is something Safeway puts a lot of work into. When you pay with a credit card, we keep our copy in a drawer locked until the end of the night when it can be securely stored. All employees at Safeway are explicitly told not to give out information over the phone, or to any third parties. On the odd occasion however, Safeway will draw upon your previous purchases over the past years and see what kind of coupons they can send you, to promote certain items you might be interested...

    Service Tax On Insurance Premium

    Roger Said:who should pay for using my phone land-line to conduct business for insurance company?We Answered:In absence of them accepting responsibility for it, you do. Keep in mind, there are computer programs, where you can scan your document in, and EMAIL it to a fax number. Right. The entire focus of a district manager, is SUPPOSED to be sales.Nina Said:Did you see the left/right coalition letter against the health insurance mandate?We Answered:Well i now wonder what is going on. Figure they blew us off as crack pots, but impressive list. Two House Reps stated today that...

    Single Premium Insurance Plans

    Sonia Said:I have a serious doubt with regard to term plan insurance. In the present scenario, 21st Century, is it worth?We Answered:There is a fact in market economy that nothing is free. Even if you buy insurance. If you buy insurance in any of the product, you pay for it. This is called mortality charge. In traditional insurance product like endowment, your return is already calculated after deducting the mortality charge actually. In ULIP you seperately pay this charge at an incremental rate (with your age). In term plan you just pay for the mortality charge & admin charge. I...

    Single Premium Insurance Policies

    Neil Said:Is there a legal limit to how much an insurance policy can be increased by in a single year?We Answered:There is no legal limit, because you are free to shop around and find a cheaper deal. Most people tend to stay with the same insurance company (or bank, utility supplier, etc). The companies know this, so they will often advertise great deals for new customers and then have much higher renewal prices. A few minutes phoning round or using a price comparison web site will almost certainly get you a much better deal. Having said that, there may be a...

    Single Premium Insurance Policy

    Billie Said:For a single male, at what age is a disability insurance policy probably no longer necessary?We Answered:If I qualified for a DI policy when I was young - having gotten a low level premium - and kept it in force all those years, why would I want to stop paying on it prior to leaving the work force? DI insurance replaces income if I can't work. The only reason to drop it would be if I no longer needed to protect my income against loss due to disability. Another reason might be that my "unearned income"...

    Single Premium Insurance

    Tammy Said:I purchased a single premium whole life insurance policy in 1984. I am confused about the tax on policy loansWe Answered:If you cashed out, I suspect that you would realize income of $66,000 + $64,000 - $50,000, or $80,000. This is enough of a hit to justify a visit to a tax consultant. Since the value of the policy has grown from $50,000 to $130,000 in 23 years, your compound rate of return on the original investment is 4.15% per year. Nothing to brag about, but you did have insurance coverage.Myrtle Said:How much commission is paid...

    Single Premium Life Insurance Plans

    Jennie Said:Obama care question, and other payment options?We Answered:Socialists like Obama can't stand the fact that some one might want to pay for only themselves, they want you to pay for all of the deadbeats that monopolize the medical services like criminal entrants illegally in this country. If, for instance, these Mexicans were still in Mexico they would have to pay for the services BEFORE any services were rendered. If you were in Mexico you would be required to pay for services before any services were rendered. Socialists want you to pay for services you...

    Single Premium Life Insurance Policies

    Ralph Said:Have any Republicans opposing health care done any research to see if their claims are true?We Answered:Apparently not the ones on Yahoo Answers.Lillian Said:what action should i take against Bharti AXA ?We Answered:Consult your advocate. It would come under forgery and you'll have to make both Bharti AXA and the agent parties.Pauline Said:I need help soo bad. (i already read my book) i dont know how to do these?We Answered:The school system is a behavior modification program to control the dumb masses the sheeple the herd. The sheeple answer to a Bell. Lol. Aleister Crowley said in Book 4...

    Single Premium Life Insurance Rates

    Rita Said:What is your favorite straw man argument for health care reform?We Answered:Actually, UHC (both the pro and con sides) is my favorite straw man for healthcare reform. We're not even considering instituting UHC at this time. Congress is putting together an insurance program, and we're all arguing over the merits/pitfalls of the socialized healthcare systems in Canda, France, and England- which are completely unrelated to what's happening here and now....

    Single Premium Life Insurance

    Martha Said:Can I buy life insurance on my ex-boyfriend?We Answered:Insurance companies require that you have an insurable interest before they will issue a policy. If the ex-boyfriend is the father of your child you should under those circumstances have insurable interest. The ex-boyfriend will need to complete the application with a licensed agent and submit to any medical exams the company may require. Under such a policy your ex-boyfriend would be considered the insured and you would be the owner and beneficiary. There may be some variations depending on the state you live in but that should be how it...

    Single Premium Term Insurance

    Marvin Said:Is short/long term disability insurance really necessary for a healthy 40 yr. old man?We Answered:If you have to prioritize 1. Drop the short term disability 2. Increase the elimination period (i.e. deductible) of the long term disability to 90 days or even 6 months, 3. Review your health insurance. As you note your healthy so consider higher in hospital deductibles, higher co-pays on doctors visits and prescription drugs. 4. Not health related, but also look into the savings of upping the comprehensive and collision deductibles on your auto insurance in order to reduce premiums.Francis Said:Buying term insurance?We Answered:A single premium policy is not...

    Single Premium Term Life Insurance

    Harvey Said:Why is Congress allowed to have a super premium platnium plus health plan while everyone else has to pay?We Answered:I agree they should have to pay. My employer pays 70% of my insurance and I pay the rest. This is the standard for most american employers, It should be the standard for them as well so they will know what we have to deal with. A public health care system will not change this though. They will always have their own medical plans. It will always be better than what everyone else has. You will...

    Single Premium Whole Life Insurance

    Benjamin Said:Would Obama's Prospects for a Healthcare Bill be Vastly Improved by putting Medicare Off Limits Absolutely?We Answered:Obama is engaged in the destruction of America as we know it. Obama has done all this with the predictable double-speak that characterizes malevolent intention, i.e., touting transparency while concealing everything, speaking of integrity while appointing crooks and incompetents riddled with conflicts-of-interest, supporting energy independence while killing off-shore and domestic oil-drilling and nuclear power, and feigning optimism while he speaks of impending "catastrophe" in! order to push through a pork-laden, trillion-dollar-plus Stimulus plan that rewards the corrupt voter-fraud organization Acorn with billions and unions...

    Small Business Insurance Premiums

    Roberta Said:What are some typical fixed expenses a small business faces during start-up.?We Answered:Advertising / Marketing / Promotion Telephone / Data / Computer Lines Security and Burglar Alarm Systems Garbage Disposal...

    Small Business Insurance

    Floyd Said:Can I get health insurance working for a small business as a volunteer?We Answered:Doubtfull. That is normally for employees.Antonio Said:Cost of small business Insurance?We Answered:That's because there's no "average" small business. Right now, you need liability, property (contents), and workers comp. But do you need building coverage, or not? You're probably looking at $3,000, to start. $1200 for the bakery liability & contents, assuming no fryers, and another $1500 for workers comp for three employees.Armando Said:Small Business Insurance Question!?We Answered:Not knowing where you are located makes it a little difficult to say. I checked on the operations...

    Tax Insurance Premium

    Sharon Said:Can I deduct my health insurance premium on my personal tax return?We Answered:The 2 above posters are correct about being able to deduct your premiums as an itemized deduction subject to the 7.5% AGI limitiation. However, you may be able to deduct 100% of your health insurance premiums IF you have any self employed income to show for the tax year. IF you do have self employed net income then you can take an above the line tax deduction for 100% of you and your family's health insurance premiums (but you can't use the deduction to give yourself a...

    Tax Insurance Premiums

    Terrance Said:Why are insurance premiums tax deductible for businesses but not for individuals?We Answered:Ah, the glory of a corporation. Corporations pay tax on their NET income, that is, income before ALL expenses. So not only are insurance premiums deductible, but plane tickets are, too. Oh, and office supplies. Individuals pay tax on their GROSS income. That's why really, really wealthy people don't really OWN anything themselves - they own CORPORATIONS that own the stuff that they use - their houses, cars, vacation homes, planes, jewelry, etc. They're SMART, and know how to use the...

    Tax On Health Insurance Premiums

    Derek Said:Can I deduct the cost of my health insurance premiums if they were taken out pre-tax?We Answered:if they come out pre tax then you can not deduct them.Brent Said:Do you pay income tax on any employer provided health care premiums?We Answered:If the employer pays it then it isn't on the W2 if the worker pays it comes from after tax income unless they have a 125 plan....

    Tax On Insurance Premiums

    Nina Said:On w2 should boxes 1,3,5 and 16 be the same if you paid health insurance premiums pre tax?We Answered:No. Boxes 3 and 5 should be greater.Elsie Said:Tax Question: If I pay my own health insurance premiums, is it tax deductible?We Answered:It sounds as though you may be able to as long as you itemize and meet all the other criteria. See the link below for more details.Thomas Said:Pre-Tax Health insurance premiums and STEPchildren?We Answered:The IRS doesn't care about who pays for health insurance. If the mother and father switch back and forth each year for who gets...

    Tax On Life Insurance Premiums

    Michele Said:Federal Income tax question - Life insurance?We Answered:This board is not for homework. But, since this is a trick question, I'll give you a way to give a foolproof answer to your instructor. Go to the web, search on irs and either viatical or life settlements. The IRS issued revenue rulings earlier this year. Quote the revenue ruling when you give your instructor the answer. The tax rate will depend on whether "mom" died or if you "sold" the policy to someone else before "mom" died. Your instructor may not know this makes a difference!Leroy Said:I have...

    Tax Savings On Insurance Premiums

    Keith Said:ACCT 2301 - Current Liabilities and Payroll?We Answered:Well, sorry, but I can't answer them all. But for question 1), it's federal unemployment compensation tax (FUCA) ------------------- Question 2), it's Jan 31 Dr. Accounts Payable 550 Cr. Notes Payable 550 --------------------- Question 4) it's debit Notes Payable and Interest Expense; credit Cash ---------------------- Question 6) Wage and Tax Statement (Form W-2) ------------------------ Sorry, but I'll have to get back to you later.Emma Said:Which candidate do you agree with on Health insurance?We Answered:CLynn Said:Why do democrats insist that republicans have not offered a plan on health care?We Answered:Because NO plan that the Conservatives come up with will be acceptable by the dims/libs.....They stupidly believe...

    Taxable Life Insurance Premiums

    Alvin Said:Would you ever try to take on the IRS?We Answered:I would like to take out the IRS all together. That organization is useless.Willard Said:Consumer Math help ?We Answered:$16.24 $21.46 $49.68 $21.66 $.03 $.50 $3.70 $IDK $26599.33 $15360 Half-way, I need a break. BRB $172,500 $IDK $6.25 $IDK $598.00 $IDK $IDK $IDK $IDK $IDK I did my best, I think I deserve a thank you.Darrell Said:i need help with math (10 points) i know i need to pay more Attention in school and do my own home work?We Answered:Here are all the answers. I am only going to work some of the more difficult ones for you, but you should work them as well to see...

    Taxation Of Health Insurance Premiums

    Thelma Said:What you’ll get from a President Giuliani.?We Answered:absolutely nothing. Oh, and this is not a question.Ted Said:Do You Still Think Obama's Health Care (aka Obamacare ) Will Pass?We Answered:money, promises and threats can get anythingGlenn Said:Is the Democrats intention for the Health Care Bill simply another method of taxing?We Answered:No. In fact the major criticism of the proposals is the cost, not profits for the government. The proposed health care reform is an effort to address several major problems in our health care system that are just getting worse. Premiums continue to rise, millions have no...

    Taxes On Insurance Premiums

    Cecil Said:I forgot to add my health insurance premiums on my 2007 taxes can I make up for it on my 2008 taxes?We Answered:No you can not make up for errors on your 2007 return by making up for the error on your 2008 return. You would have to file an 2007 amended return (1040X). I doubt that it is going to be worthwhile. Health insurance premiums are deductions from taxable income not tax credits applied to your calculated tax liability. Plus your medical deductions must exceed 7.5% of your adjusted gross income to have any effect on your final...

    Td Premium Insurance

    Dolores Said:Higher deductibles save me more money on auto / car insurance in the beginning for a newly landed immigrant?We Answered:for one you should wait for 6 months, and after that go shopping. Don't jump into the first insurance that comes along. Took me 3 months to get safeauto 500 deductible and 2 cars only 225...

    Tds On Insurance Premium

    Wade Said:Since int. on NRO a/c is subject to TDS, is there a provision (like15G, 15H) per Indian IT law to avoid it?We Answered:The below question is similar your question and the answer is given by a C.A. Read it. But it is 1 year old question when the TDS limit was 5000 (Now 10,000) and tax free amount was 1 lakh (Now 1,10,000). The answer is still valied in other aspects. You can file your returns and can claim for refund. As an NRI, you are not eligable for 15G/H. The site address given at the...

    Term Insurance Premium

    Kimberly Said:What is return of premium term life insurance? Is it similar to regular term insurance?We Answered:Return of Premium term is simply level term that refunds one's premium at the end of the term if the policy hasn't paid a death benefit. In order to offer this, the company has to charge a higher premium to underwrite the refund. It is likely that one would be better off buying a normal level term and investing the difference, but with interest rates being what they are (and likely will be for a while) and ROP term being a guaranty,...

    Term Insurance Premiums

    Scott Said:After a 10 year term life insurance expires, should the premiums double for the next 10 years?We Answered:Well, they surely go up. If those are the GUARANTEED rates, then that's what it is. But you might be able to get a NEW policy, at a lower rate, IF you can be re-underwritten. Maybe even with the same company. So, shop this out (but get all the shopping done before this payment is due!). And next time, get a 20 year term, guaranteed renewable and convertable. Because every time the term is up, the rate...

    Term Insurance Return Of Premium

    Edward Said:What should I do if I paid taxes on disability insurance and it should have been worker's compensation.?We Answered:No, the income is taxable because the source of the money was the disability insurance which was not paid with after tax dollars on your part. Had it been disability insurance that you paid for with after tax dollars, then it would be tax free. The workers comp thing is a side issue. Any money you got from a workers comp claim might be tax free, but this money did not come from a workers comp claim. ...

    Term Insurance With Return Of Premium

    Edward Said:I am being billed for employer paid insurance premiums while I was on extended medical/family leave...?We Answered:Don't know what you mean by "nasty". But if you owe them the money- they are entitled to take legal action against you to recover the money. Perhaps you should call and set up a payment plan - offer to pay $183.34 per month and you will have the debt paid off in 6 months. If that's too much - offer to pay 91.66 per month and have it paid off in a year. If they agree to a payment plan - as...

    Term Life Insurance Premium Quote

    Gina Said:Does anyone have experience or a Term Life insurance with Asteron recovery?We Answered:lowest premium would be whole life paying the first 4 years and then letting cash value/dividends pay remaining premiums to age 65. NORTHWESTERN MUTUAL LIFE INSURANCE COMPANY MILW. WISCONSIN USA the example you ask about sounds confusing call NORTHWESTER MUTUAL LIFE for a quote and explanation by one of their agents of my suggestion...

    Term Life Insurance Premium

    Patsy Said:Can a 20 year term life insurance increase their premium after 10 years?We Answered:RIght. You've answered your own question. You bought a 20 year term policy, but the premium was only guaranteed, for the first ten years. It WILL go up every year after that. If you had bought 20 year LEVEL term, the premium would have been the same, guaranteed, for all 20 years. It's standard for the product you BOUGHT. Me, I wouldn't buy that product. I'd want my premium guaranteed for all 20 years. Me, if I were in...

    Term Life Insurance Premiums

    Ramona Said:possible to lower your term life insurance policy premium?We Answered:The company will not lower the rate of the existing policy. The insured would have to be re-underwritten meaning that the company would require a new application and would likely require a new para-med exam. If the company agreed with your assessment they would advise you that the preferred rates are available and you would cancel your existing policy and have a new policy issued. Depending upon how long ago the original policy was approved you might not gain as much as you think because the new policy would be based on...

    Term Life Insurance With Return Of Premium

    Jeff Said:In today's bad economy employers are trying to decrease costs retiree medical costs PREMIUMS?We Answered:You need to phrase your question in a much more concise manner. Your "question" is just ranting and raving. Nobody, including myself, can read to the end without losing track of what you are saying....

    Third Party Insurance

    Curtis Said:Is liability insurance the same thing as third party insurance?We Answered:"Third Party" insurance is another term for "Liability" or "Third Party Liability" insurance and protects you from claims of damage made by a third party (others).Ruben Said:Where can I get the third party insurance?We Answered:Hi, when I was traveling in my campervan, in New Zealand, I bought a backpackers insurance policy from the backpackers car market. I found this to be the cheapest for short term car insurance.Howard Said:If you have fully comprehensive car insurance are you covered for third party on other vehicles?We Answered:The fact that a...

    Title Insurance Premium Rates

    Katherine Said:Accounting Adjusting Data! HELP!?We Answered:Adjusting entries needed 1. Bad Debts is estimated to be 10% of net sales. (Net sales are 2,000 - 800; You need to deduct 10% of that) 2. Interest earned on notes on hand is $35. (This needs to be added as Other Income) 3.Depreciation rate of fixed assets is $10. (This needs to be added to Accu. Dep.) 5. Insurance expense balance represents insurance premium for 3 months paid on Dec.1 2010. (Since 450 was for 3 months you need to add 1/3 of that (150) to Insurance Expense) 6. Unearned commission income, $150. (This needs to be added...

    Title Insurance Premium

    Dolores Said:Puzzled about GFE?We Answered:Simply stated, the closing fees pertian to you, the person closing the loan. Title fees insure the title when you take posession and is your one time premium to insure the title of the home against past judgements and collections attaching to your home. Pre paid interest is paid at the closing, and that is what gives you your i month deferred payment. You will also be charged other various fees in conecction such as processing, appraisal, recording fees which are all standard fees associated with any closing, also your first years...

    Title Insurance Premiums

    Geraldine Said:Who is in titled to insurance monies?We Answered:Assuming we're talking about life insurance here . . . When you purchase a policy on someone, like your spouse, they have to sign permission for you to buy it on them. That permission, is irrevocable. Whoever owns the policy - you - gets to pay the premium, and pick the person who gets the money when the insured person dies. If you own the policy on spouse, get divorced, spouse remarries - you still own the policy, you still pick the beneficiary. New spouse isn't entitled to anything.Chester Said:No auto...

    Top Insurance Companies

    Cory Said:Top ten insurance companies with the most revenue?We Answered:2007 Property & Casualty Rankings Company - Premium Volume 1 STATE FARM GRP 49,350,410,793 2 AMERICAN INTL GRP 37,523,709,189 3 ZURICH INS GRP 28,557,826,185 4 ALLSTATE INS GRP 27,688,686,882 5 TRAVELERS GRP 22,151,581,789 6 LIBERTY MUT GRP 20,235,814,135 7 NATIONWIDE CORP GRP 16,122,637,912 8 BERKSHIRE HATHAWAY GRP 15,368,968,125 9 PROGRESSIVE GRP 13,983,744,485 10 HARTFORD FIRE & CAS GRP 11,508,536,793 © 2008 National Association of Insurance Commissioners 03/04/2008Darrell Said:How does Progressive compare your insurance rates with top companies?We Answered:Since the rate books become a matter of public record once they are filed in the state, they do like their competition does and gets...

    Travel Insurance Premium

    Miriam Said:Which card offers affordable travel insurance for delayed flights?We Answered:Look here http://www.google.gr/search?q=+affordabl…Nellie Said:Cheap one-day travel insurance for Canadians traveling to the US?We Answered:That's definitely a reasonable premium. As far as claims are concerned, you will receive all the necessary information once you sign up. It will provide a toll-free number to contact if you require medical care, and you (or someone else if you're unable) will have to phone that number prior to any procedure....

    Travel Insurance Premiums

    Seth Said:If i claim on my travel insurance does this affect my annual premium?We Answered:It depends on who you are with. I am with Flexicover and they either reduce my premium for no claim or do not increase it the following year. If I make a claim the premium is effected. They will charge any increase necessary but they do not load it. Try them next time.Andy Said:why should my travel insurance be so high?We Answered:Depends on the company though.. Probably you must have picked up the wrong brand. You would have looked for the companies like: hdfcergo.com, icicipru, etc... I have...

    Types Of Insurance

    Eileen Said:What are the average policy premiums for all types of insurance?We Answered:As has been rightly pointed out by you, the premiums payable is depending upon the various factors specific to the individual and the type of insurance. However, you can get this vital information to some extent by visiting the site https://www.insurancemall.in wherein if you can furnish the required particulars for various types of insurance, you would be given the policy premiums payable.Terrence Said:Explain the Different types of Insurance in Ontario?We Answered:You must have insurance on any vehicle car/truck/motorcycle that you operate on a public roadway and if...

    Typical Life Insurance Premiums

    Patrick Said:GENTLEMEN, Is it true that you can be denied life insurance if you're married to a modern Feminist...?We Answered:no sir....

    Unearned Insurance Premium

    Billie Said:can a florida insurance company charge 10% of unearned premium for early cancellation?We Answered:Progressive charges this, and many other companies do, too - it's called a short-rate cancellation penalty. Yes, they can.Raymond Said:Accounting Problem - How do I come up with the correct answer?We Answered:$18000 premium is $1500 per month. As of Dec 31, the Insurance Co still has to provide insurance for 3 more months. Therefore, $4500 is "unearned revenue."Sonia Said:Accounting help! I have attempted to answer, but would like to make sure I am answering correctly.?We Answered:I don't have a lot of time,...

    Unemployment Insurance Premiums

    Troy Said:Is it normal for employers to try to make their employees feel bad about applying for unemployment?We Answered:Unemployment cost the employers a lot of money. Each time an employee files, their costs go up. Are you a seasonal employee? Do you get salary for your job which includes your time off in summer? Teachers in our state don't file for unemployment, they get extra money in their paycheck for having the summer off, so they don't collect unemployment. Not sure if that's your situation. Your employer should expect you to collect. One working day...

    United Insurance Premium

    Gilbert Said:any one know about united health care insurance? in ohio?We Answered:We are an independent agency in Ohio offering United Healthcare and others. UHC plans are good, but really it is a matter of what you want most out of a plan. You can view health insurance quotes and even apply online (at no extra cost) right from our site by using the link below. http://www.ohioinsureplan.com/index.php/… Or once you have looked through some plans, give us a call and we will be happy to assist you.Edward Said:Can they increase my life insurance premium for the reason that I have no...

    United Premium Insurance

    Bobbie Said:Does United Health One have some good affordable health insurance?We Answered:health-quotes.isgreat.org - I switched to this health insurance from them, cause it gives much cheaper rates for m?.Judith Said:Are politicians destroying the United States of America?We Answered:Politicians are out for themselves and really do not care about the average Joe. they have the best Health Care their is so why should they worry about you and me.*Pamela Said:What is the reason for high health-care in United States?We Answered:Because no one pays their own health care costs! We expect everyone else (gov't, insurance companies, our employers) to pay for our medical...

    Vat On Insurance Premiums

    Daniel Said:As King or Prime Minister of Britain I would order..... What do you think?We Answered:This sounds pretty good and Yes, i would say it should happen before our culture, values and everything this country stands for is destroyed The only problem is that it will never happen. The damage Tony Blair and Gordon Brown have done to our country has devastated our islands. I hardly recognize the proud and great country we once had. I mean, How long will it be before our Language is gone? How long will it be when everything we fought two worlds wars to...

    Vehicle Insurance Premium

    Nellie Said:I got rear eneded on my vehicle and if I claim through their insurance company, does my premium increase?We Answered:You can compare how the insurance quotes would change, for example here - carinsurance.yoll.netLester Said:If my credit card company pays for damage to a rental vehicle, will it affect my future insurance premium?We Answered:It is possible that the premium could increase at your renewal, but usually only if your company pays the claim, but if the accident shows up on your driving record then they will want details of the accident.Adam Said:How long will a DWI conviction affect vehicle insurance...

    Waiver Of Premium Life Insurance

    Julio Said:Term life insurance policy w/tax-deferred annuity rider?We Answered:I believe you or either that company has some mission information. Term insurance does not build any savings or cash value, so there can't be an annuity rider attached to it. A 10 year term seems a bit short, don't you think? And do you know when it is time to renew, premiums will go up? "The waiver of premium" rider is where if you become disabled, the insurance company will pay the premiums for you until the end of the term. Anyway, annuities grow tax-deferred. It's an investment and life insurance at...

    What Are Health Insurance Premiums

    Salvador Said:What do you pay in health insurance premiums per year?We Answered:I now pay $3500.00 a year on my own, but I'm high risk because I have an unusual illness with a history of surgery. When I bought a medical insurance package for my business, I was surprised to discover that I would have to find a high risk carrier for myself. Everyone who worked in my business was covered except for myself. My premiums increase about 12% every year. I don't gripe too much because I know medical costs are out of this world. My husband does contracting for a...

    What Are Medical Insurance Premiums

    Dora Said:I have a medical condition but can't afford medical insurance and I am unemployed. What can I do?We Answered:My family have this health insurance - healthplans.my-age.net It is affordable and has good coverage for dental issues.Colleen Said:Medical insurance coverage in Colorado?We Answered:It’s not illegal (yet) to not carry health insurance. If you are involved in some sort of custody battle, a judge might not look favorably on your passing up health insurance at work if you can afford it. If you can’t afford it, then it shouldn’t be held against you. Group insurance through your employer should be the least expensive...

    What Does Premium Mean In Insurance

    Terry Said:What exactly does "referral required" mean in health insurance.?We Answered:For certain medical visits to a 'specialist' a referral is required by many insurance companies. This facilitates billing and ensures that claims are a covered medical expense. As for a choice, it would depend if the doctor you wish to see accepts the particular insurance you have. this is what is known as a 'par-provider' (participating provider). If they accept your insurance then everything typically goes very smoothly.Troy Said:Does my car insurance go up if i claim my rear bumper? I have full coverage and got...

    What Is A Insurance Premium

    Nina Said:How much does your credit rating affect your car insurance premium?We Answered:Whatever else you say about California, we don't use credit as a factor in rating insurance. Anecdotally, I can tell you that people who pay their insurance bills regularly have fewer claims than people who don't. It makes total sense that credit would reflect this. Insurance companies claim credit as a factor since it is what is called a "moral hazard." In short, it means that what type of person you are can determine the frequency of claims. Right or wrong, like it or don't like it,...

    What Is An Insurance Premium

    Shane Said:What effect does being not at fault in an automobile collison have on your insurance premium?We Answered:One accident or incident that is not your fault should not result in higher premiums, unless your driving record is not clean within the last few years. But the length of time between accidents or incidents is considered before your rates are raised, and this time limit will vary from one car insurance company to another.Danielle Said:what happens to an insurance premium when a deducible is lowered?We Answered:You can compare how the insurance quotes would change, for example here - autoinsurance.maclenet.comJessica Said:What is...

    What Is Car Insurance Premium

    Ramon Said:does a car insurance premium depend on mileage the car has as well being 25 yrs old and older?We Answered:More mileage does affect rates, usually it tiers. For my company, 4,000 or less is the best, then 5,000-18,000, then 20,000-25,000, etc. Frankly, I wouldn't worry about the mileage issue unless they ask. You get a discount when your policy renews and you're over 25. Exactly how much varies from company to company.Katrina Said:How much is your car insurance premium?We Answered:you should try out this site, http://www.8ez.com/e8Jr161cr , they found me the cheapest quotes from all the possible insurance companies...

    What Is Health Insurance Premium

    Ben Said:What would be approximate monthly health insurance premium?We Answered:If I had to pull a number out of the air, I'd say $1200 a month. But that's a WAG (wild *** guess). That's why they need an agent to call you, there are too many other variables.Isaac Said:Health insurance premium deduction?We Answered:health-quotes.talk4fun.net - here is my health insurance plan. As I remember they can provide such a service.Bryan Said:What would be Obama's new health insurance monthly premium?We Answered:the true answer here is the answer to another program of the government: "Don't ask, don't tell". It will never pass the...

    What Is Insurance Premium Tax

    Samuel Said:How much i should pay to cancel car insurance?We Answered:You will pay £134.42 for the month, if it is an exact month. If it is a few days less or more the difference will be about £4.53 a dayTracy Said:Married student on work comp income tax question?We Answered:From your information, you have income totalling $4,000 for 320 hours of work at $12.50 per hour. To figure your W-2 income which will appear on your tax return, subtract $400 of your 401k contribution plus your pre-tax health insurance. If the result is less than $3,500 then you individually...

    What Is Insurance Premium

    Hilda Said:How does malpractice insurance premium rates varies among states?We Answered:It is called Insurance Cap. I cant state the exact legal definitive term, but some states with low malpractice insuracen, have laws that state if a doctor is found negligent of mal practice the person can sue them for up a certain amount such as $250,000 and $500,000. The laws were put into place so patients would stop being law suit happy to become rich quick and driving hospitals and doctors and practices out of business.Julian Said:How can we limit insurance premium increases?We Answered:Currently, with over 300 million Americans,...

    What Is Insurance

    Jason Said:What is the best private health insurance company (low cost) for employees without sponsored employer plans?We Answered:If you want to find your best health insurance rate, try this site http://Cheap-Health-Insurance-Rate.info Here you can get quotes from all health insurance companies in your area. Its the best way to find an affordable health insurance with a reliable company.Lucille Said:What is the best low cost health insurance for a small business owner with no employees?We Answered:If you want to find your best health insurance rate, try this site http://Cheap-Health-Insurance-Rate.info Here you can get quotes from all health insurance companies in your area. Its the best...

    What Is Life Insurance Cover

    Carlos Said:What kind of life insurance would cover you .......?We Answered:Sounds like you're looking at an accidental life insurance policy form - which doesn't cover how MOST people die. You're going to need to contact a local agent or broker, and have them shop around for a REAL life insurance policy - that covers death, no matter how you die (except war), after the contestable period is over. It's going to be more expensive than an accidental death policy.Michael Said:What kinds of life insurance cover funeral costs?We Answered:Hello, I am sorry to hear of your situation. I have just seen "burial insurance"...

    What Is Mortgage Insurance Premium

    Melanie Said:1098 Forms--what can I claim?We Answered:if that is a 1098 I that would be mortgage interest and is entered on Sch A(which is delayed until mid Feb)...

    What Is Premium Insurance

    Veronica Said:What should my health insurance premium be?We Answered:If you're not overweight and perfectly healthy, for a male (no maternity benefits, LOL) your age, a good, low/no deductible plan is going to average close to $400 a month. What you're paying sounds low, unless your deductible is $1000, or you have limited medical benefits....

    What Is Single Premium Life Insurance

    Tom Said:Why do sick people have to go and *&^* up our insurance pools at work? How do we keep them out?We Answered:My advice to you is to move on to another job. If you can't keep them out, then leave them there....

    What Is The Premium On Insurance

    Gene Said:What is the annual insurance premium?We Answered:The expected value of a claim is 2.6% x $95,000 or $2,740. Figure you want to make a profit, so the premium must be higher than that. GrandpaKen Said:Does this mean I will be paying taxes on what my company contributes to my health insurance premium?We Answered:Where did you come up with $4000 in tax? What that would mean is that the PREMIUM paid by your employer would be considered taxable income to you.Kay Said:How much would My insurance premium be?We Answered:It will depend if you have had any tickets, accidents, or anything else...

    Whole Life Insurance Premium

    Cody Said:Which Insurance company is best for Whole Life Insurance ?We Answered:First off, in the interest of full discloser, I am a New York Life insurance agent. That being said, I have the oppertunity to sell MetLife when it is better for the client. The only time that I have found that Met is better is when the client is declinded by NYL. The reason for this is because of what is in each of the contracts. New York Life will be slighter more expensive because of the fact that you will be recieving a higher...

    Whole Life Insurance Premiums

    Loretta Said:if i have a whole life insurance policy with premiums that go up every year,can i sell it to someone else ?We Answered:Whoever owns the policy, has to make the payments, and gets to pick who gets the money when you die. You might be able to transfer ownership of the policy, you'll have to call the company and ask. But you're not going to make "big bucks" doing this - the return on investment, assuming you're not 90 with one foot in the door, is pretty crappy. No one is going to wait 20 years, paying...

    Why Have Car Insurance Premiums Gone Up

    Naomi Said:Health Insurance cost, versus Car and homeowners insurance, Why the huge difference?We Answered:health-quotes.talk4fun.net - here is my health insurance plan. As I remember they can provide such a service.Jamie Said:Why has my car insurance gone up?We Answered:Maybe you could get a quote from insurers you get from yellow pages,. the internet, the TV, the radio.Jaime Said:If I have had car insurance for almost a year no am I able to switch w/out paying a downpayment?We Answered:Yes, you can change your insurance company at any time. Many companies use the "one year with coverage" rule as a determining factor...

    Workers Compensation Insurance Premiums

    Pamela Said:Which of these measures are on Barack Obama agenda?We Answered:What does Obama have to do with a Colorado referendum?.Herman Said:I needs help. Unit 13 insight?We Answered:15. The base rate of Worker’s Compensation insurance at Melvin’s Convinence Store is $8.23 per $100 paid to employees. The total payroll is $8,345. Find the premium. A) $620.00 B) C) $524.00 D) $498.67 8345*8.23/100 = $686.79 16. In Virginia, the current unemployment tax rate is 2.7% of the first $7,000 of taxable wages. Find the maximum state unemployment tax amount A) $366 B) $238 C) $302 D) $189 7000 * .027 = 189Lance Said:The adjustment to journalize an additional premium due at the end of the...

    Workers Compensation Insurance

    Anne Said:how to get new york workers compensation insurance online please suggest?We Answered:You can't get workers compensation online. Call an agent.Leslie Said:Anyone familiar with Workers Compensation Insurance? [preferably an Agent] I need your help ..?We Answered:That is correct. If the employee declines the workers comp coverage, they may choose to sue the employer directly. HOWEVER. Workers comp is NO FAULT. To collect, you only have to have an injury that occurred during the course of employment. If you choose to sue, instead, then you actually have to PROVE that the employer was negligent, and that the...

    Yearly Insurance Premium Home

    Naomi Said:I would like to buy a Rs. 30 lac property in Vizag. I have 5 lac, the rest is a loan for 20 years. Should I?We Answered:I don't know where you live, or what your total expenses are in relation to your income. But I don't think you're going to get the best possible information on any website where you don't know anybody and nobody knows you. You're better off going to an accountant or business consultant. Kevin Said:Why use a Broker/Agent to deal with Insurance Company?We Answered:You will pay the same premium even if you don't use...

    Yearly Insurance Premium

    Bertha Said:What is the maximum yearly premium that a family of 5 would have to pay for Japanese National Insurance?We Answered:You posted this to the USA board. Here in the USA, you don't buy Japanese National Insurance, so, zero.Carole Said:How much do insurance premiums go up yearly if there was a scratch in the parking lot with parked car?We Answered:I had the same and I took a grand in cash and never fixed my car, but we are real friends, I saved her about $2K. Yes I have a scratch on my car but hey what's a scratch when...

    Zero Premium Life Insurance

    John Said:Any advice on filing health insurance claims for TMJ?We Answered:Im not sure how to help you but I can tell you there are some insurances that pay for it. My husbands paid for mine and now my insurance pays. They paid on my visits, my mouthgaurd, x rays, and pain meds. Call your insurance and ask if there is a certain billing code they should be using or a special form they could use. couldnt hurt to try.Judith Said:Any advice on filing health insurance claims for TMJ?We Answered:I worked for one of the largest health insurance companies in my...