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Life & Health Insurance/Questions Answered by Expert Paul Walker

SubjectDate Asked
Cashing in a Victory Life Insurance of Chicago1/23/2012
  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 ...
life insurance1/13/2012
  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 ...
Health insurance for non-US citizens1/3/2012
  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 ...
medical and life insurance9/3/2011
  Q: Leah polidore have any medical insurance on her and her birthday is July 13 2009
  A: This is an impossible task to determine, the best place to start with would be bank records, if ...
Health Insurance in Belize10/2/2010
  Q: My wife and are moving to Belize, we know are medicare and united health care will not pay outside ...
  A: You are correct in the assumption that locals (Belizean’s) do get free or heavily subsidised ...
reimbursement8/30/2010
  Q: If my insurance co. released my son from my insurance benefits due to his age(22),but my employer ...
  A: I see no reason why the insurance company should not refund the over payment to your employer. You ...
Uncle3/1/2010
  Q: My uncle is 89, in hospital with pneumonia. Just found out that the lady that was taking care of ...
  A: however I am unable to answer your question as I deal only with Insurance and related matters. From ...
life insurance ownership1/15/2010
  Q: I am the owner of my mothers life insurance policy. If I get divorced, can she get any money from ...
  A: Aaron, If this is a pressing concern, you may be best to investigate the Life Policy being written ...
life insurance ownership1/14/2010
  Q: I am the owner of my mothers life insurance policy. If I get divorced, can she get any money from ...
  A: Assuming your mother is alive and well and no funds have actually been paid out, my understanding is ...
insurance policy8/25/2009
  Q: my brother recently passed away we found a policy naming his x girlfriend as beneficiary had my ...
  A: Ordinarily the arrangements for trust etc would be made in advance, at the time of the policy be ...
life insurance8/24/2009
  Q: when my dad past away 9 yrs ago my mother claimed his life insurance & they were separated do i ...
  A: Im afraid Im not the best person to ask regarding this,m it is less and insurance question and more ...
medical disclosure for life insurance application8/13/2009
  Q: A few months ago, I noticed an irregular heartbeat after some strenuous exercise. After a few ...
  A: There is only one answer to your question; you must tell them. The reason I stress this is that ...
Life Insurance Beneficiary7/28/2009
  Q: My father passed away, I found his group life insurance information that names me beneficiary, my ...
  A: Difficult to know, but it does sound a bit more hopeful, and at least they have not turned you down ...
Life Insurance Beneficiary7/28/2009
  Q: My father passed away, I found his group life insurance information that names me beneficiary, my ...
  A: So the documents you have conflict with what the insurer is telling you... If you have no reason to ...
HSAs7/6/2009
  Q: I often hear the statement that prices have gone down in lasik surgery and cosmetic surgery, where ...
  A: Sorry for not getting back to you sooner, I thought I had replied... My understaning is that most ...
HSAs7/2/2009
  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 ...
Recession and Health Industry3/26/2009
  Q: my name is Baris. Would you please tell me about the problems that health industry faces because of ...
  A: Baris, Apologies for my delay, I thought I had answered this for you... ! Insurance Fraud takes on ...
Recession and Health Industry3/25/2009
  Q: my name is Baris. Would you please tell me about the problems that health industry faces because of ...
  A: Sounds too much like a college or school project. What you need to bear in mind is that durung ...
Health Savings Accounts1/26/2009
  Q: I was listening to Steve Forbes talking about Health Savings Accounts (HSA). He said that the ...
  A: A bit tricky as I am based in the UK. I do business sin the US, but predominately with the Expat ...
80+ expat Health Insurance11/2/2008
  Q: Both my parents live in the USA and have done for the past 4yrs, they are from the UK, up till now I ...
  A: Subject: 80+ Expat Health Insurance Further to your recent email regarding expat health insurance ...
Health Insurance in Mexico9/15/2008
  Q: My husband and I will be volunteering at a mission in Mexico. I am on Medicare and have BCBS ...
  A: Sorry for not getting back to you sooner regarding your question. First things first, I am not 100% ...
Life insurance taking out on daughter5/10/2008
  Q: My ex-husband recently took out a life insurance policy on my 20 year old daughter. She signed the ...
  A: To be sure, I ran the query past our 'life' specialist in the office here, their reply was: " ...
Life insurance taking out on daughter5/4/2008
  Q: My ex-husband recently took out a life insurance policy on my 20 year old daughter. She signed the ...
  A: From what you describe, the answer is simple. Whom ever is the 'life insured', and the signatory on ...
RTA while personally insured but forgot to claim now has ended4/24/2008
  Q: its all in the title really, can i make any claim still? the insurance was taken out with ...
  A: It is difficult to say for certain not having sight of the policy wording for the insurance, however ...
What are the best international health insurance that can cover medicines here in the philipines?1/18/2008
  Q: What are the best international health insurance that can cover even medicines here in the ...
  A: Sorry for the delay in replying... There are a number of ways to approach this, the cheapest route ...
health insurance for older US residents without medicare1/10/2008
  Q: My mother is British and wants to move to live near me in the USA (Arkansas) as a permanent ...
  A: What you describe is a common problem. My understanding is that your mother will be looking to move ...
Critical Illness cover1/1/2008
  Q: I am looking to buy critical illness insurance (healthy female, non smoker, aged 27) but am finding ...
  A: I agree with your points regarding PHI and PMI, however as you have already noticed, you can spend a ...
Critical Illness cover12/31/2007
  Q: I am looking to buy critical illness insurance (healthy female, non smoker, aged 27) but am finding ...
  A: There is a strong case for both reviewable and guaranteed rates dependant upon your needs. ...
Health coverage for US citizen living outside of the US.12/26/2007
  Q: I am seeking information on health coverage while living outside of the US. Do you have knowledge in ...
  A: Yes, this is an areas we specialise in. If you could tell me some more about your needs... Are you ...
health insurance10/30/2007
  Q: do i have to be legally divorced to take my husband off my insurance
  A: Many thanks for your question. Not knowing the details of your policy, I cannot guarantee the ...
International Health Insurance10/1/2007
  Q: Are you able to recommend a particular company to provide me with international medical insurance? ...
  A: I would be happy to send you some details for closer inspection if you like, simply drop me a line ...
Required Info9/19/2007
  Q: I have questions on COBRA Insurance. I heard this insurance is valid for 18 months and can be ...
  A: Im sorry I cannot really help with your question. I am based in the UK and deal with UK and ...
Life Policy4/23/2007
  Q: I chose you because you seem to have experience with insurance policies in the UK. I bought a ...
  A: It is not an area I specialise in as it is an investment product, but I have made some enquiries to ...
h10/27/2006
  Q: I need to find a way to get dental insurance. I need something that treats pre-existing conditions, ...
  A: Im afraid I am not best placed to advise on Dental Insurance within the USA. The market is internal ...
Medical discount savings program9/27/2006
  Q: Until I can afford hospitalization insurance, do you know of any good medical discount savings ...
  A: There are a number of options open to the uninsured in the USA, albeit somewhat basic. It depends ...
How Life insurance & assurance works?5/11/2006
  Q: Walker, Please tell me how Life insurance & assurance works? It would be great if it's with ...
  A: Life assurance is simply an insurance contract that a person buys to provide a cash sum or income in ...

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Paul Walker

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Expertise

I can answer most questions relating to Expatriate Medical and Health Insurance. UK Health Insurance and most Pan European Models. I am based in the UK but deal mainly with International Healthcare Plans.

Experience

International / Expatriate Health Insurance UK Based Medical, Life, CIC and Accident Insurance. Income Protection Plans for Groups and Individuals.

Organizations
BIBA: British Insurance Brokers Association

Education/Credentials
15 years + of hands on experience and satisfying happy customers...

Awards and Honors
Many, the only important ones are from our customers...

Past/Present Clients
We deal with everyone from Individuals and Families through to large corporations.

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