| Subject | Date Asked | Expert |
|
| A new job and the company's health insurance | 7/15/2008 | John (J.R.) McCollough |
Q: I had read a question from Melanie in GA who wrote you about getting health insurance from her new ...
A: I do not know if your baby will be covered under the group policy since I have not read the policy ...
|
| Health Insurance | 7/15/2008 | John (J.R.) McCollough |
Q: McCollough, I am 24 years old, male, good health, living in florida. I have written to you about ...
A: Overall, the plan looks good. I give it a B- for benefits and an A- for pricing. The deductible is ...
|
| Existing Insurancw | 7/14/2008 | Eileen J. Tell |
Q: Can you please tell me if my policy # ooe576929 is till in affect?
A: The only way to answer that question would be for you to contact either the agent that sold you the ...
|
| insurance | 7/13/2008 | Michael Feinberg, ChFC |
Q: i have always had life insurance, but have been unclear as to how they work. If for instance i ...
A: Mike, if the life insurance policies are in force when you die, the beneficiary would need to file a ...
|
| insurance | 7/13/2008 | Willard R. Brumbaugh, LUTCF, CSFP |
Q: i have always had life insurance, but have been unclear as to how they work. If for instance i ...
A: In answer to your first question, there would be a check to your beneficiary if the policy was a ...
|
| insurance | 7/13/2008 | leboyd |
Q: i have always had life insurance, but have been unclear as to how they work. If for instance i ...
A: Mike, The general idea is that if the policy is still "enforce" (insurance term that means "active" ...
|
| insurance | 7/13/2008 | John (J.R.) McCollough |
Q: i have always had life insurance, but have been unclear as to how they work. If for instance i ...
A: Yes, the money would go to your beneficiary. As for your second question, as long as the policy is ...
|
| life insurance | 7/13/2008 | Dave Bowman |
Q: i have always had life insurance, but have been unclear as to how they work. If for instance i ...
A: Life insurance pays a "death benefit" on the death of an insured person. In most cases, it does not ...
|
| Health Insurance for the Uninsurable | 7/11/2008 | John (J.R.) McCollough |
Q: Age: 32 Tennessee My husband is self employed but he did finally get insurance just in the past few ...
A: Your best bet would be to have your husband obtain a small group plan if he has enough employees and ...
|
| Life Insurance Policy | 7/10/2008 | leboyd |
Q: I took out a life insurance policy with AAA three years ago, It was a much higher premium than they ...
A: Patty, I've never heard of an insurance company not telling you why they lowered your rating, which ...
|
| Health Insurance for my 60-yr old mom | 7/9/2008 | Michael Higgins |
Q: My Mom is 60 years old. She had a triple-bypass surgery 4 years ago and is on heart medications. She ...
A: Tina: Each state has different programs offered to those that are uninsurable on an individual ...
|
| Health Insurance | 7/9/2008 | John (J.R.) McCollough |
Q: McCollough, I am 24 years old, male, good health, living in florida. I have written to you about ...
A: Based on the numbers you have given me I'm assuming that you're contemplating different group ...
|
| LIFE INSURANCE POLICY | 7/9/2008 | John (J.R.) McCollough |
Q: ANSWER: Hello Carolyn, I'm sorry to hear about your recent dealings and I hope that you find ...
A: Based on what you told me I recommend you contact your insurance agent ASAP. This is one of those ...
|
| LIFE INSURANCE POLICY | 7/8/2008 | John (J.R.) McCollough |
Q: Hello i have a life insurance policy I am a single person with no kids I have had alot finicial ...
A: I'm sorry to hear about your recent dealings and I hope that you find suitable employment soon. ...
|
| Life Insurance Claim Delay | 7/7/2008 | leboyd |
Q: I opened a life insurance policy on my mother after finding out that she did not have any life ...
A: Tina, First, sorry about your loss. You need to be very careful as you proceed. During the first ...
|
| Life Insurance Claim Delay | 7/7/2008 | Dave Bowman |
Q: I opened a life insurance policy on my mother after finding out that she did not have any life ...
A: A life insurance company will automatically investigate any claim that occurs within one year of the ...
|
| Old life insurance policy | 7/6/2008 | Lee Horner |
Q: My mother just pasted away and I just found life insurance policies,that she purchased for me in ...
A: It is not unusual for insurance companies to merge; they rarely "go out of business" like other ...
|
| Lost life insurance policy from approx 19 years ago | 7/4/2008 | Willard R. Brumbaugh, LUTCF, CSFP |
Q: My father passed away in 1989 and had advised a close friend that he had a life insurance policy ...
A: It is highly unlikely that you could find a company that still has record of his policy, since it ...
|
| old life insurance policy | 7/2/2008 | leboyd |
Q: My parents took out a life insurance policy on me somewhere between 1956-1965. I no longer have the ...
A: Kathleen, Go to http://www.mib.com/html/lost-life-insurance.html. I think it costs about $75 to ...
|
| LIFE INSURANCE | 7/1/2008 | Dave Bowman |
Q: Hello I wonder if i should take my life insurance policy out it has money in it I have really been ...
A: Carolyn: While the conventional wisdom is that you don't need any life insurance, who would pay for ...
|
| Cobra and pregnancy | 6/29/2008 | Michael Higgins |
Q: I currently have health assurance thru my employer but would like to leave my job and become self ...
A: This is a question for the human resources person at your school, whether COBRA is available to you ...
|
| Pre exisiting conditions | 6/29/2008 | Michael Higgins |
Q: I'm thinking of changing jobs and I just found out I have cancer. I'm 25. I've been told that under ...
A: It is very likely that you will be covered from day one, including the pre-existing condition. Each ...
|
| APA | 6/28/2008 | Michael Higgins |
Q: my question is in regards to mental health coverage. I am 19-years-old and want to see a ...
A: I think that calling the insurance company is fine, but you will need the policy number to find out ...
|
| APA | 6/28/2008 | Michael Higgins |
Q: my question is in regards to mental health coverage. I am 19-years-old and want to see a ...
A: Your parents do not have the ability to know about your claims history unless you signed a ...
|
| Leaving COBRA with pre-existing Cancer | 6/26/2008 | John (J.R.) McCollough |
Q: I have been on COBRA for 2.5 years which is ending as of July 1, 2008. I am self-employed now with ...
A: Congratulations on your endeavor to beat cancer. You're probably feeling pretty good about yourself ...
|
| What life insurance company is best for me? | 6/23/2008 | leboyd |
Q: I'm looking to purchase a life insurance policy and I'm clueless as to what company I should go to. ...
A: Martha, Whole life is the "best", like a Lexus is the "best" car. It is great, what everyone wants ...
|
| Lump Sum Life Insurance Payment and Income Tax | 6/22/2008 | Willard R. Brumbaugh, LUTCF, CSFP |
Q: My husband past last month and he told me to take the life insurance payment and pay off the farm. ...
A: I am sorry for your loss. The death benefit on your husband's policy is not subject to taxation, ...
|
| Taxes on Cash Value | 6/21/2008 | Willard R. Brumbaugh, LUTCF, CSFP |
Q: I am considering cashing in a whole life policy and wonder if I can treat the value of paid up ...
A: When a participting whole life policy is cashed out the surrender value of the paid-up additional ...
|
| Health Insurance | 6/21/2008 | John (J.R.) McCollough |
Q: 1. 22F, 28M 2. Colorado 3. Yes 4. Yes Hi, here is my problem. My husband is a business owner, and ...
A: The people you have spoken to are misinformed and/or lying to you. Colorado does have a few ...
|
| Health Insurance | 6/21/2008 | Michael Higgins |
Q: here is my problem. My husband is a business owner, and we pay out of pocket for individual health ...
A: As a broker in Arizona, I'm not too familiar with the plans in Colorado. I did look over the plans ...
|
| Insurance Change due to company buyout...while pregnant | 6/18/2008 | George J. Zacherl |
Q: I have medical insurance through my husband's company, which is in the process of being bought out. ...
A: First of all congrats on the new arrival and my best wishes for a healthy delivery for both of you. ...
|
| Life insurance beneficiary | 6/16/2008 | leboyd |
Q: My husband and i were married ten years and were divorced amicably in March 2007. He was running in ...
A: Cheryl, Your best bet is to contact a life insurance trained attorney. However, as non-legal ...
|
| Life Insurance for elderly | 6/13/2008 | Lee Horner |
Q: My mother is now 89 years old. We discovered that she turned in all of her insurance policies to ...
A: yes and I have such programs available. The insured must be a non-smoker and in the last 5 years ...
|
| transfer for value? | 6/11/2008 | Willard R. Brumbaugh, LUTCF, CSFP |
Q: how can i get the cash value from 2 existing second to die policies into a new second to die policy, ...
A: If I understand your question, you want to remove your current life insurance from a Federal Estate ...
|
| transfer for value? | 6/11/2008 | Michael Feinberg, ChFC |
Q: how can i get the cash value from 2 existing second to die policies into a new second to die policy, ...
A: I will preface my answer, as I often do, by saying I am not a lawyer or as well-versed in insurance ...
|
| transfer for value? | 6/11/2008 | leboyd |
Q: how can i get the cash value from 2 existing second to die policies into a new second to die policy, ...
A: Brian, That's a deep question. It depends on your state and how they handle ILITs, as well as the ...
|
| transfer for value? | 6/11/2008 | John M. Buob |
Q: how can i get the cash value from 2 existing second to die policies into a new second to die policy, ...
A: I do not know the answer to this querstion but I have an associate that does. I will email your ...
|
| executor and beneficiary are the same. | 6/10/2008 | leboyd |
Q: Can an estate executor be named sold beneficiary on a life insurance policy where it is believed ...
A: Theus, No. The beneficiary receives the death benefit personally, not as an estate asset. ...
|
| Dental Insurance | 6/10/2008 | Michael Higgins |
Q: I currently have medical and dental insurance (BCBS) through my employer but the dental is quite ...
A: Craig: All dental insurance plans offer minimal coverage, and are expensive, in my opinion. With ...
|
| Income Protection Insurance / Health Insurance | 6/9/2008 | Michael Feinberg, ChFC |
Q: I was a smoker fo over 10 years and now I have quit over a year ago. So I now tick the no smokers ...
A: Kate -- if you are able to truthfully answer "no" to their smoking question, then you will be ...
|
