| Subject | Date Asked | Expert |
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| Cobra coverage and new baby | 7/2/2009 | Michael Higgins |
Q: I am due with my third baby in September and I am losing my job in August but I have our families ...
A: The newborn is covered the minute he or she is born. (Congratulations by the way!) You may need to ...
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| HSAs follow-up | 7/2/2009 | Michael Feinberg, ChFC |
Q: Sorry if my question was unclear. A talk show discussion included positive statements about Health ...
A: I do understand the question better now, thank you for restating. As an individual, health savings ...
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| HSAs | 7/2/2009 | Paul Walker |
Q: I often hear the statement that prices have gone down in lasik surgery and cosmetic surgery, where ...
A: The reason why some procedure costs are cheaper to 'the man in the street' than to the insurer is ...
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| Cobra | 7/2/2009 | Michael Higgins |
Q: My son's wife lost her job of 12 years as a manager at hard rock cafe in myrtle beach. She applied ...
A: My first question would be why your daughter stopped payment on the checks? Understanding that the ...
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| Bank on Yourself | 7/1/2009 | Willard R. Brumbaugh, LUTCF, CSFP |
Q: I read that in order to do the bank on yourself system you must earn $50,000 per year as a family. ...
A: First, I am sorry to learn of your failed marriage. I know the hurt you have been going through. ...
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| BOY Lafayette Life | 6/30/2009 | Willard R. Brumbaugh, LUTCF, CSFP |
Q: Our son will be a senior in highschool this coming fall. Early last fall we consulted with a ...
A: I am familiar with the concepts involved in your query. They do work, but there are some issues not ...
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| Insurance Policy on Children | 6/28/2009 | Michael Feinberg, ChFC |
Q: My parents took out a life insurance policy on my sister in the 60's just after she was born. My ...
A: I'm very sorry for the loss of your sister and I'm sorry that my answer is not likely to be good ...
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| Cash Value Protection | 6/27/2009 | leboyd |
Q: I am very interested in the concept of taking home equity to buy an EIUL. My concern is if the ...
A: Darren, Doug Andrews concept of using the equity in your home to invest and to make more money on ...
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| Cash Value Protection | 6/26/2009 | leboyd |
Q: I am very interested in the concept of taking home equity to buy an EIUL. My concern is if the ...
A: Darren, I am unaware of anyone who has actually lost any death benefit or cash value because of a ...
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| TAXES & INSURANCE | 6/25/2009 | Dave Bowman |
Q: I have insurance on my wife over $1 million dollars and we found out she was diagnoses with stage 4 ...
A: First, let me offer my prayer that the doctors will be confounded and your wife will be healed. ...
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| Temporary Producer Licence | 6/23/2009 | leboyd |
Q: If something were to happen to my husband ,who is a producer, how would I get a temporary licence ?
A: Angelina, This is very specific to each state, as many states are different. I recommend that you ...
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| Health Insurance | 6/20/2009 | Michael Higgins |
Q: I have been offered a job with a small company as a sales representative. The company offers a ...
A: David: The benefit of being on a group plan is that pre-existing conditions will likely be covered ...
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| Searching for a policy number | 6/19/2009 | Willard R. Brumbaugh, LUTCF, CSFP |
Q: I am the beneficiary of a Prudential life policy on my deceased mother that passed in 1964. The ...
A: Forty-five years is a long time to hold information. However, if you have your mother's Social ...
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| Executor for Estate | 6/18/2009 | Willard R. Brumbaugh, LUTCF, CSFP |
Q: My aunt's boyfriend of 10 years is named as her beneficiary. The insurance company, American Income ...
A: I talked to a service rep at AIL. She said that if this policy is less than two years old, they need ...
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| Executor for Estate | 6/17/2009 | Willard R. Brumbaugh, LUTCF, CSFP |
Q: My aunt's boyfriend of 10 years is named as her beneficiary. The insurance company, American Income ...
A: This is the first time I have seen such a request, and I am in my 41st year in the business. Am I to ...
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| LTC | 6/15/2009 | Dave Bowman |
Q: What are days in LTC when the bed is not being used called ? Say my grandmother wanted to come home ...
A: This is called a bed reservation benefit. A long term care insurance policy usually provides for a ...
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| Medicare benefits | 6/13/2009 | Eugene Thomas |
Q: This is for someone who is currently on a group health plan that provides unlimited physical therapy ...
A: Janice Good afternoon! You will pay for PT through Medicare Part B after COBRA is exhausted, ...
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| My father's life insurance policy | 6/10/2009 | Michael Feinberg, ChFC |
Q: I have life insurance policies covering my Father, Mother and myself dating back to 1952. Both of ...
A: I would think you should call the insurance company to find out -- do you have the policies? If ...
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| LTC | 6/10/2009 | Eileen J. Tell |
Q: My grandmother will be in LTC for awhile. Someone was telling me we would not be charged for certain ...
A: I'm not sure if you are talking about your grandmother needing LTC in a facility like a nursing home ...
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| Health insurance | 6/8/2009 | John M. Buob |
Q: My father (53 years old) just moved to America, he is a us resident. about 3 years ago he had a ...
A: You will just have to keep trying. You may be able to get if after it was 5 years ago but it is not ...
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| Flexible Premium Variable Life Insurance | 6/7/2009 | Dave Bowman |
Q: I feel I was pressured by an agent in 1998 cancel a Life Ins. Policy with the Knights of Columbus ...
A: I'm sorry to learn you were hard sold a policy that is clearly not appropriate for you. While most ...
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| Life and Health Insurance Exam /State of NJ | 6/6/2009 | Willard R. Brumbaugh, LUTCF, CSFP |
Q: I am studying to take my state exam . What is series 6 & 7 and would I get this licence after my ...
A: It would appear that Kaplan is more interested in marketing securities than selling life insurance. ...
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| taking insurance | 6/4/2009 | John (J.R.) McCollough |
Q: I am a nutritionist professional. I do counseling one on one with individuals. I currently do not ...
A: I don't see how your school has any right in deciding what type of insurance companies you choose to ...
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| damages award taxable | 6/3/2009 | Lee Horner |
Q: I had posterior capsule ruptured during cataract surgery. Insurance company for doctor has offered ...
A: I don't believe it's taxable but it's also on the light side. I would suggest you consult with a ...
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| Life insurance | 6/2/2009 | Willard R. Brumbaugh, LUTCF, CSFP |
Q: My father died about 9 months ago. He was married to his second wife for about 11 months before he ...
A: Only the cash surrender value of the policy would be considered. As to whether that should be ...
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| Life insurance | 6/2/2009 | Willard R. Brumbaugh, LUTCF, CSFP |
Q: My father died about 9 months ago. He was married to his second wife for about 11 months before he ...
A: Insurance that she has on herself is of no value to you. So, I presume that what you are interested ...
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| Life Insurance Claim | 6/2/2009 | Willard R. Brumbaugh, LUTCF, CSFP |
Q: My Dad Passed away Sept. 27th, 2006. We found a Rio Grande Life Insurance policy in his files. How ...
A: Those that I have answered have not passed on to me their results, so I can only guess that they ...
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| US Army life Insurance from 1944 | 5/30/2009 | Dave Bowman |
Q: My dad died in 1985 and I just found a booklet that says "Soldier's Individual Pay Record" and on ...
A: Contact the Veteran's Administration and provide your Dad's old military I.D. number or at least his ...
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| pregnancy question | 5/28/2009 | Michael Higgins |
Q: Mr. Higgins, I lost my job at a company I had worked for for six years. I had family health ...
A: Robert: Firstly, double check my answer with your new employer's HR department or the new insurance ...
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| disability insurance | 5/25/2009 | Dave Bowman |
Q: Best DI company if you have preexisting conditions. What are your recommendations.
A: I'm not aware of any "best" company - if that means that they will ignore a pre-existing condition. ...
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| Medical Bill | 5/23/2009 | Michael Higgins |
Q: Please be advised and for the record I am disputing a claim with Great Neck Stand-up MRI in the ...
A: You have proven, through the words that you have written, an understanding that the first rule in a ...
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| Medical Bill | 5/23/2009 | R. Gene Ramsay |
Q: I had a MRI done at a facility I was told accepted my Blue Cross/Blue Shield Insurance. Now Im ...
A: Raph, I usually answer questions people have, but will comment on your comment anyway since you ...
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| Group Insurance though Employer | 5/21/2009 | Michael Higgins |
Q: My company has health care, I became eligible to be covered two months ago, and it was stated at no ...
A: Christina: The bad news first: The reality is that if you do not continue with the insurance it is ...
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| Group Insurance though Employer | 5/21/2009 | Michael Higgins |
Q: My company has health care, I became eligible to be covered two months ago, and it was stated at no ...
A: I can hear the frustration in your words and I do empathize. For clarification, did you ever enroll ...
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| supplemental health insurance | 5/19/2009 | R. Gene Ramsay |
Q: on June 1st I will be enrolled in a group insurance plan at work with the Anthem network. It is a ...
A: Dave, Congrats on the new offering. I am not sure what you are used to, but a $20.00 copay for ...
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| Insurance 101 | 5/19/2009 | R. Gene Ramsay |
Q: I am new to the word insurance Because i am going to US and there with out Health Insurance most of ...
A: Mansoor, Thanks for those responses and I hope you have safe travels. That is a big move for ...
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| Is it Fraud | 5/18/2009 | Michael Higgins |
Q: My boss was divorced at the end of last year, he has continued to carry his ex-wife on his health ...
A: Carrie: It depends on whether it's a group plan or individual/family plan. On a group plan a ...
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| Medicare supplement insurance | 5/18/2009 | R. Gene Ramsay |
Q: Gene, I will turn 65 on June 18, 2009. I have been on a PFFS advantage plan since 2004 due to my ...
A: Jarvey, This webpage may help clear some things up: ...
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| Life Insureance | 5/18/2009 | Dave Bowman |
Q: My ex- fiance died I didn't find out until one year later. By coincidences I fond out I was still on ...
A: If you know the name of the insurance company, you should call them. If not, start by googling the ...
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| life insurance claim | 5/18/2009 | John M. Buob |
Q: A friend of mine purchased a $25,000 life insurance policy on her husband with his knowledge about 6 ...
A: He would have had to sign the application even if she was the owner who paid for it. You can't buy ...
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