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Life & Health Insurance/Questions
| Subject | Date Asked | Expert |
| Health Insurance | 2/7/2012 | John (J.R.) McCollough |
| Q: My wife's health insurance currently is covered through COBRA, which expires 5/31/12, with no ... A: I'm sorry for the late response. I just got back from a vacation. Check with the local Blue Cross ... | ||
| Old policy | 1/24/2012 | Ronald Blau |
| Q: I have been organizing our policies and found one from Victory Life, dated 3/4/1993. We received a ... A: If you got a check, keep it. You should call the telephone number from Victory Life and find out ... | ||
| Cashing in a Victory Life Insurance of Chicago | 1/23/2012 | Paul Walker |
| Q: As a child my parents took out a Victroy Mutual Life Insurance poloice. I would like to cash it in. ... A: Check First! No harm in asking, but there are several different terms which could lie behind the ... | ||
| Limited medical indemnity vs major medical | 1/21/2012 | Michael Higgins |
| Q: Good Evening, I am currently retired and took COBRA from my employer for myself (age 56) and my ... A: Shirley: I am assuming, "Limited Medical," is a type of health insurance coverage offered in your ... | ||
| life insurance on partner | 1/18/2012 | Willard R. Brumbaugh, LUTCF, CSFP |
| Q: I have lived with someone for over twenty years, and am concerned that, should he pass on, I will ... A: Yes, however, he must sign the application as the potential insured. One other thing, unless there ... | ||
| Health Insurance and various prescription discount cards | 1/17/2012 | Michael Higgins |
| Q: I have Blue Cross and have not found any niche that a discount card would fit to reduce prescription ... A: Carl: Assuming your health insurance policy does not cover the cost of prescriptions for a co-pay ... | ||
| Certain Meds | 1/15/2012 | Michael Higgins |
| Q: I was wondering if any health insurance helps to cover the cost of the drug Propecia? I purchased a ... A: James: Physicians use finasteride, (Propecia,) for the treatment of an enlarged prostate condition, ... | ||
| life insurance | 1/13/2012 | David Clark |
| Q: I am paul writing from malta,europe. I wish to purchase a life policy and do not want to get quotes ... A: Malta? A very historic Island!! Consider I am a Certified Financial Planner and licensed to ... | ||
| life insurance | 1/13/2012 | Michael Higgins |
| Q: I am paul writing from malta,europe. I wish to purchase a life policy and do not want to get quotes ... A: Paul: You may want to ask a company such as ING which writes policies in many parts of the world, ... | ||
| life insurance | 1/13/2012 | Paul Walker |
| Q: I am paul writing from malta,europe. I wish to purchase a life policy and do not want to get quotes ... A: The Life market is huge so you should have some choice. Two International Life insurers that could ... | ||
| life insurance | 1/13/2012 | Willard R. Brumbaugh, LUTCF, CSFP |
| Q: I am paul writing from malta,europe. I wish to purchase a life policy and do not want to get quotes ... A: I have checked and determined that Aviva Life, a UK based company with a 300 year history is ... | ||
| life insurance | 1/13/2012 | Gregory Chin |
| Q: I am paul writing from malta,europe. I wish to purchase a life policy and do not want to get quotes ... A: Most life insurance requires you to have residency in that country as population ages vary in ... | ||
| life insurance | 1/13/2012 | Sheikh Saeed Ahmad |
| Q: I am paul writing from malta,europe. I wish to purchase a life policy and do not want to get quotes ... A: First of all, I thank you for referring the question. Let me share with you some important thought: ... | ||
| life insurance | 1/13/2012 | Ronald Blau |
| Q: I am paul writing from malta,europe. I wish to purchase a life policy and do not want to get quotes ... A: It is important to purchase Life Insurance in the country that you live in. There are laws that are ... | ||
| life insurance | 1/13/2012 | Michael Feinberg, ChFC |
| Q: I am paul writing from malta,europe. I wish to purchase a life policy and do not want to get quotes ... A: I apologize, but the insurance companies I am familiar with are primarily US-based insurers. ... | ||
| Insurance Brokers | 1/12/2012 | Gene Ramsay |
| Q: My husband and I are currently receiving COBRA, which will expire this July. At that time he will ... A: Here is information on a chapter President in the Syracuse, New York area: Deborah A. Crouch ... | ||
| Insurance Brokers | 1/12/2012 | Gene Ramsay |
| Q: My husband and I are currently receiving COBRA, which will expire this July. At that time he will ... A: Carol, Each state is different but most insurance brokers and professionals can advise you on your ... | ||
| Life Insurance Beneficiary | 1/10/2012 | Willard R. Brumbaugh, LUTCF, CSFP |
| Q: My ex and I agreed in our divorce and have a signed legal court decree that he would carry a life ... A: Number 1, this is not illegal. Number 2, if you do not have ownership of this policy, it is ... | ||
| Visit Emegency Room JUST to Get PT Coverage? | 1/3/2012 | Michael Higgins |
| Q: I have a Blue Cross 'Healthy NY' health insurance plan, which is a subsidized plan in NYC for ... A: Michael: I would not go to the emergency room for anything other than life-threatening medical ... | ||
| Health insurance for non-US citizens | 1/3/2012 | Paul Walker |
| Q: My husband and I will be living in the USA for six months on a B2 visa this year. We'd like to buy ... A: The US can be a difficult market for inbound visitors, mainly due to the high costs associated with ... | ||
| Answer | 1/1/2012 | Willard R. Brumbaugh, LUTCF, CSFP |
| Q: What did you determine on then"tin can" question asked By Michelle on 6-30-09? It dealt with ... A: Michelle never followed through. So, I was not able to properly advise her. Often I am given ... | ||
| Single Premium Whole Life | 12/27/2011 | David Clark |
| Q: This is for my wife she is 67 years old will be 68 in Feb 2012. We have a quote for a single premium ... A: Having been in the business for 40+ years and NEVER wrote one SPWL it's no surprise I'm going to ... | ||
| COBRA | 12/23/2011 | David Clark |
| Q: I recently changed jobs, and became eligible for COBRA coverage on 12/1/11. Health insurance from ... A: At this point Steve, we're talking about 5 days. I'd tend to agree with you re COBRA. $725 is a ... | ||
| COBRA | 12/23/2011 | Ronald Blau |
| Q: I recently changed jobs, and became eligible for COBRA coverage on 12/1/11. Health insurance from ... A: You are absolutely correct. If there is no medical bills till 1/1/12, don't pay the COBRA or ... | ||
| COBRA | 12/23/2011 | Gene Ramsay |
| Q: I recently changed jobs, and became eligible for COBRA coverage on 12/1/11. Health insurance from ... A: Steve, Congratulations on the job change. That's never easy and especially this time of year. Best ... | ||
| COBRA | 12/23/2011 | Michael Higgins |
| Q: I recently changed jobs, and became eligible for COBRA coverage on 12/1/11. Health insurance from ... A: Steve: You have done your homework. Everything you have said is accurate, and simply waiting for ... | ||
| Cashing in a Victory Mutual Life Insurance Policy | 12/12/2011 | David Clark |
| Q: My aunt took a life insurance policy out on me as a child. She is now deceased and I have the ... A: First, google the company, when you get an e-mail or phone number contact their policy holder ... | ||
| choose HSA or PPO? - with extentuating circumstances | 12/3/2011 | Michael Higgins |
| Q: Need to make a choice for next years enrollment in either a PPO or HSA... HSA has $4400 family ... A: Chuck: Each state has different laws and mandates when it comes to health insurance, and this ... | ||
| choose HSA or PPO? - with extentuating circumstances | 12/2/2011 | Michael Higgins |
| Q: Need to make a choice for next years enrollment in either a PPO or HSA... HSA has $4400 family ... A: Chuck: The HSA route is always the way to go in my opinion. Questions for you... Is this to be a ... | ||
| Flexible (YRT) premium life insurance. | 12/2/2011 | Dave Bowman |
| Q: My son inherited a life insurance policy on my life (I am 64) from his mother that is YRT and ... A: This sounds more like a universal life policy than term life. If the policy has a no-lapse rider, ... | ||
| Insurance proceeds paid to Wrong Person | 11/14/2011 | Dave Bowman |
| Q: My daughter was beneficiary of a life insurance policy of her fiance and they owned a company ... A: While I can't offer you legal advice, a life insurance beneficiary designation can only be changed ... | ||
| rio grande national | 11/5/2011 | Willard R. Brumbaugh, LUTCF, CSFP |
| Q: who would i get in touch with about a policy from rio grande national life insurane A: Rio Grande National had been acquired by Kentucky Central. The policies that were held by Kentucky ... | ||
| 1939 Prudential Insurance Policy | 11/4/2011 | Willard R. Brumbaugh, LUTCF, CSFP |
| Q: Very much like Carol, my mother recently passed away and there was a $500 policy issued by ... A: I have never known Prudential to pay out only the Face Amount on these old policies. But then, I may ... | ||
| Insurance questionaire | 11/1/2011 | Gene Ramsay |
| Q: I want to get a life insurance policy but I have a felony on my record from 35 years ago. I really ... A: Kevin, Great question. The reality is that question may not even be necessary depending on how you ... | ||
| Life insurance questiinaire | 11/1/2011 | David Clark |
| Q: I want to get a life insurance policy but I have a felony on my record from 35 years ago. I really ... A: First, be aware if there is a claim in the first two years all your family will get is a return of ... | ||
| Health Insurance Questions | 10/27/2011 | Michael Higgins |
| Q: I am considering obtaining health insurance, but I am confused as to which type to get. I am 32, ... A: Jared: I assumed you lived in another state, and apologize for this. You are the first person ... | ||
| Health Insurance Questions | 10/27/2011 | Michael Higgins |
| Q: I am considering obtaining health insurance, but I am confused as to which type to get. I am 32, ... A: Jared: Hoping to lead by example, I have a $10,000 deductible on my health insurance policy with ... | ||
| Over-funded Life Insurance as it relates to FAFSA & Profile Evaluations | 10/19/2011 | John M. Buob |
| Q: We've been presented with a strategy for lowering our "ability to pay" ratings on the Profile ... A: It has been many years since I have been in the insurance business and most questions are rather ... | ||
| FEGLI Death Benefits | 10/18/2011 | Ronald Blau |
| Q: A friend lost his unmarried son with no children, who was a current federal employee. The son's ... A: Sorry for your friend's loss. The only thing that can be done is for your friend to get an attorney ... | ||
| What type of insurance suits me? | 10/5/2011 | Gene Ramsay |
| Q: Good Day! I'm 25 y.o this year; currently working in marketing departing for a FMCG company. And, ... A: Mico, Great questions yet again. Justifying the purchase is a very personal process. All insurance ... | ||
Life & Health Insurance
Answers by Expert:
Michael Higgins
Top Expert on this page
Expertise
All questions pertaining to health insurance, whether group, individual/family, student, child-only, COBRA, HIPAA, Portability, dental. No expert knowledge in areas such as life insurance, disability, workman's compensation, auto, etc.
Experience
27 years as owner of health insurance agency, primarily dealing with Blue Cross Blue Shield of Arizona.
Education/Credentials
College, Business Administration.
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