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Life & Health Insurance/Questions Answered by Expert Gene Ramsay

Subject	Date Asked
Insurance Brokers	1/12/2012
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
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 ...
COBRA	12/23/2011
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 ...
Insurance questionaire	11/1/2011
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 ...
What type of insurance suits me?	10/5/2011
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 ...
What type of insurance suits me?	10/3/2011
Q: Good Day! I'm 25 y.o this year; currently working in marketing departing for a FMCG company. And, ... A: Mico, Thank you for the reply. All I can speak to is how things work in the US. The premise behind ...
Denial	8/27/2011
Q: Does the Health Care Act make certain treatments denied? My Aunt was denied a PET scan by her ... A: Mark, Sorry for the delay. I am not sure if you have gotten your anser yet or not. Please ...
Overpayment of insurance policy	7/8/2011
Q: Gene, My 86 year old mother received a check from an insurance company 6 months following the death ... A: Susan, Great question with no easy answer. I am unsure what the state regs on this are and I will ...
VA Healthcare vs. Medicare	6/21/2011
Q: I recently became eligible for a Social Security Disability which makes me eligible for Medicare. I ... A: Red, Good to hear from you again. Sorry you are still having some troubles. If i was looking for ...
insurance denial	6/17/2011
Q: I was injured on the job in 2006. It took about 4 doctors to correctly diagnose that I torn 2 of the ... A: Wayne, I am sorry for your issues. It can be frustrating I know. I have a couple of suggestions if ...
Two term life policies but one child dies	5/27/2011
Q: I have a question. If a parent has two separate term life insurance policies, one for each of two ... A: Richard, In short, no. Two indiviual policies are considered just that. Also, in your equation one ...
beath benefits	5/17/2011
Q: ARE DEATH BENEFITS, FROM A LIFE INS. POLICY TO It BENEFICIARY, CONSIDERED PART OF THE DECEASED ... A: Wesley, Great question. Many times is is all dependent on the way the policy reads. Most times, ...
minor child and ex husband's death	4/26/2011
Q: My ex husband committed suicide. He had worked for the state and received a special disability ... A: Amanda, Amazing question with A LOT of moving parts. I will handle your questions first: 1 - A ...
Life Insurance for spouse	4/20/2011
Q: My wife is 49 years old smokes and has Peripheral vascular disease (PVD). She is not on medication ... A: Richard, Great question. I am unsure what state you are in so I can't really give you any direct ...
Group Term Life Insurance	4/17/2011
Q: My father passed 2-2011 he had a group term life policy through state of Georgia. He had named my ... A: Carol, More often than not a spouse is not automatically given rights to life insurance policy ...
Group Term Life Insurance	4/16/2011
Q: My father passed 2-2011 he had a group term life policy through state of Georgia. He had named my ... A: Carol, You would think that with 14 years having passed and a remarriage that the beneficiary ...
forged signature	4/8/2011
Q: My stepmom is the beneficary of my father's life insurance. The HR lady from where my dad worked ... A: Tamara, Great question. First let me say I am so very sorry about your dad. I actually just walked ...
life insurance proceeds	4/3/2011
Q: If my husband has a life insurance policy that names our daughter as the sole beneficiary, after he ... A: Karen, Thank you for the question. The initial answer to your first question is NO, they can not ...
RE: Health Insurance Cancer question	3/22/2011
Q: When getting an individual outside health insurance policy do you have to divulge you had cancer ... A: Brad, The reality is that any policy of a health, life, or disability option will ask about cancer. ...
Builder Index Universal Life Policy	2/21/2011
Q: I am 40 and am able to invest a minimum of $50,000 to a maximum of $100,000 per year.I want to be ... A: Scott, Without being a high level financial advisor, I have no idea why more people would choose ...
Universal life insurance loan	2/21/2011
Q: Gene, Back in the early 1980's I bought a $50,000 life insurance policy, a few years ago I borrowed ... A: Marc, In short, it is always best to pay yourself back on policy loans. You've just uncovered why. ...
Builder Index Universal Life Policy	2/19/2011
Q: I am 40 and am able to invest a minimum of $50,000 to a maximum of $100,000 per year.I want to be ... A: Scott, Thanks for the question. With those kinds of funding dollars, a life insurance policy is a ...
Executor stole my money	1/30/2011
Q: My mom died and my brother (executor) got her life insurance benefit and kept the money for himself. ... A: Todd, I really dislike that it has come to this. Good luck to you. What I would do is inquire ...
Executor stole my money	1/27/2011
Q: My mom died and my brother (executor) got her life insurance benefit and kept the money for himself. ... A: Todd, First and foremost, I am sorry for your loss. It is unfortunate this happened, but family is ...
life insurance broker fees	1/14/2011
Q: I am about to meet w/ a potential life insurance broker tomorrow. I am getting a universal life ... A: Ann , Great question. If you are getting a quote on life insurance, the fees are normally built in ...
index UL	11/26/2010
Q: If there is a gain with the index ul how does that effect the cash value and death benefit. If ... A: Jack, Your question is a good one. It all depends on how your policy words. Some UL policies word ...
documentation to add spouse to health insurance	10/18/2010
Q: Can a state of NJ employer require married couples to submit their 1040 tax information in addition ... A: Geoffrey, I work with quite a few companies that set certain "rules" for their health plans. The ...
health insurance	9/29/2010
Q: I have Harvard Pilgrim Health Insurance- an HMO plan. I have recently seen several different doctors ... A: Kristy, So sorry to hear you are having these health concerns. It can't be easy. Then you tack on ...
Insurance for Parents	9/6/2010
Q: I want to buy insurance for my 50 year old parents. Pls advise. A: Lalit, Thank you for your question. Getting insurance for your parents can be tricky at best. I ...
best supplement policy providers	8/31/2010
Q: I am looking to move to the insurance sales field and want to go with a great choice (so many out ... A: Tim, Congrats on your desire to join a very rewarding career. I am a little unsure of your ...
insurance policy	8/24/2010
Q: My grandfather is deceased since 1972. I found out he has a policy in the amount of 1000.00 I do ... A: Ronda, Thank you for your question. You can contact the insurance company, but by law they can not ...
THE NATIONAL SAVINGS LIFE INSURANCE COMPANY	8/12/2010
Q: AFTER MY MOTHERS PASSING, I FOUND IN HER THINGS, POLICY # L17212 DATED FEB. 07-1929. THE OFFICE OF ... A: Donald, Thanks for the challenge. Your best bet would be to contact the Kansas Department of ...
VA Healthcare vs. Medicare	7/25/2010
Q: I recently became eligible for a Social Security Disability which makes me eligible for Medicare. I ... A: Red, Hello. First off, thanks for your service to our country. I honor Veterans almost daily in ...
High Risk Health Insurance Pools	7/24/2010
Q: My question is: With the availability of the new state high risk health insurance pools, why ... A: Chuck, I hear you. I will try to focus on the question you are asking which is...what's the risk? ...
Old Insurance Policies	7/23/2010
Q: My sisters and I have the same problem as a Mr. Jack Sayers. My mother has 2 old policies from ... A: Kathy, I will be happy to try and assist, but I will need a little more info. Beacon Insurance Co. ...
How can i find out if my dad had life insurance through vetrens	7/18/2010
Q: My Father just recently passed well...however when i was a teenager that i should get a quite a bet ... A: Ricky, Sorry so long on this. Busy week. You have a valid question and your process should not be ...
life insurance scam?	7/12/2010
Q: My father was laid off May 13, 2010 when GlobalQuest (I.T.) let go of 11 of 12 employees working at ... A: Shawn, Great question and I think we can come to a good answer for you and your family. Most ...
Life Insurance	7/2/2010
Q: Can I purchase a life insurance policy for a relative that is not in my immediate family, such as an ... A: Crystal, You short answer is this...yes. You may purchase life insurance for anyone with their ...
Invisalign	6/30/2010
Q: I just turned 18 and I need to get my own dental insurance. I've been in the need for braces since ... A: Ary, Thanks for the question. Your question at the end is your real question and I can tell you ...
Life insurance	6/29/2010
Q: My husband was laid off from his job of 28 years in July 2009. Along with the layoff, he lost his ... A: Lynn, Thank you for your inquiry. I can sense some frustration and fear on your part. I am not ...
interest on insurance loan	5/15/2010
Q: I could have cancelled my whole life insurance policies and receive the cash value but the agent ... A: Alice, It can be frustrating and I totally understand your feeling. As you know, whole life ...
Premium paid, but no coverage	4/30/2010
Q: I recently transferred to another school district in my state. I had vision, dental, and health ... A: Gwen, Let me see if I can provide you some assistance. Your situation is not new and can get ...
Misdiagnosed torn ACL w/ coverage 18 mos. later surgery w/ no insurance	3/12/2010
Q: I understand this may be outside your area of specific expertise I am more interested in your ... A: Roger, I am sorry to hear about your issues. I hope your son is doing better. ACLs are no fun, ...
Medical Insurance Payment	3/11/2010
Q: My health insurer paid me directly for a medical bill. Being the case, am I precluded from ... A: Saree, Unless the doctor is notified what amount was sent to you, there is no reason I can see that ...
Medical Insurance Payment	3/10/2010
Q: My health insurer paid me directly for a medical bill. Being the case, am I precluded from ... A: Saree, I have had this happen as well. You can make a case to the doctor, but when they have the ...
401K Plans	3/9/2010
Q: My mother passed away a few months ago. We are still in the process of going through various ... A: Dejournette, Thanks for the follow up question. Sounds like the "plot" thickens. At least now you ...
Private Health Insurance as Compared to V.A. Healthcare	3/3/2010
Q: I am an honorably discharged 55 year old non-retired military veteran. Since a minor heart attack in ... A: Mark, It sounds and looks to me like you are the envy of many people in the health care concerned ...
Private Health Insurance as Compared to V.A. Healthcare	2/27/2010
Q: I am an honorably discharged 55 year old non-retired military veteran. Since a minor heart attack in ... A: Mark, Thank you for all you have done for our country. It is an honor to have been asked this ...
401K Plans	2/25/2010
Q: My mother passed away a few months ago. We are still in the process of going through various ... A: Dejournette, I am very sorry for your loss. The grieving process does take some time. I lost my ...
Premium increases	1/30/2010
Q: I just got a notice today that my monthly individual health insurance premium is going from $328.00 ... A: Melanie, I can hear your frustration and I hear it every day all over the place. I will start by ...
Health insurance	1/19/2010
Q: I am curious as to how I can get insurance. A little about me... I am a 22 year old female! I am ... A: Corey, Thank you for the info. Congrats on still being in school. I am not a tax professional, ...
AFLAC insurance	12/15/2009
Q: I'm 68, work full time, covered under my employer health coverage. They offer AFLAC but is it worth ... A: James, Great question. I work in the voluntary insurance market as well and I see exactly where ...
Health Insurance for a non-dependent	11/27/2009
Q: My mother in law cannot afford health insurance and has considerable debt caused by medical ... A: Jarin, Thank you for the message. Sorry it has taken a few days to get back with you. It seems to ...
Hep c	11/9/2009
Q: I have a question. I was exposed to the hepatitis c virus.(I found that out 6 years ago). I test ... A: Ed, I am so sorry to hear about your diagnosis. Health insurance companies are like any other ...
Insurance company refusing to pay although patient was covered	10/29/2009
Q: My fiance went to the emergency room a few weeks ago. A couple of weeks after that she was laid off ... A: Michael, I am sorry to hear that your fiancee' needed emergency care. That is never fun and I hope ...
Life insurance	10/17/2009
Q: My wife's employer offers life insurance as an optional benefit. The rates are lower than quotes I ... A: Jeff, Great question and you hit both scenrios right on the head. My professional opinion would be ...
surrendering life insuance at a loss	10/13/2009
Q: can I deduct a loss created when i surrender a life insurance policy at a loss ( cash value is less ... A: Kathy, According to George Saenz at Tax Talk: <<<When you surrender an insurance policy, generally ...
Medical Case Mgmnt possible job placement	9/17/2009
Q: 1. Within this industry where would my Bachelor Degree place me in seeking post graduate employment ... A: Linda, You have many questions here and I will see what I can do to assist. 1. Within this ...
Deductible per person	8/22/2009
Q: Next year my wife and I want to immigrate to Florida United States. We are now citizens of The ... A: Frans, Good luck in your arrival to the US. Florida has MANY options. What I would do, to help ...
Alternative Benefit Provison	8/20/2009
Q: First I wanted to take the time to thank you in advance for volunteering your time to help those who ... A: Natalie, Your passion speaks volumes. I wish more people could see what you and I do. As for your ...
Alternative Benefit Provison	8/20/2009
Q: First I wanted to take the time to thank you in advance for volunteering your time to help those who ... A: Natalie, Your eloquence is reverberating all over the place. First of all, the word "Federal" ...
life insurance to pay for mother's funeral	8/12/2009
Q: I am the beneficiary on my mother's life insurance, she passed away in July. I had no say so in any ... A: Jamie, I am so sorry for your loss. I have lost both parents and know what it feels like. Iyt ...
Life Insurance Beneficiary	7/28/2009
Q: My father passed away, I found his group life insurance information that names me beneficiary of his ... A: Kristi, I am sorry for you loss. The issues I see stem from where the policy began. If it was a ...
Changing health insurance plans with current employer	7/16/2009
Q: I am on COBRA with my previous employer. I am looking at taking a "contract" job for a few months. ... A: Follow up... Some states may have implemented pregnancy laws and the National Health Care reform is ...
How much level term needed?	7/10/2009
Q: My wife and I are both 59. We have two boys, one age 27 and employed, the other 24 and about to ... A: Jim, You have alot here to consider so I will try to take it one step at a time. First, you are now ...
Health Insurance	7/9/2009
Q: My husband and I are retired, ages 62 and 61. We are paying 1,600.00 (combined) monthly for health ... A: Carol, My first idea would be to figure out with your husband how big of a deductible you guys ...
Health Insurance	7/8/2009
Q: My husband and I are retired, ages 62 and 61. We are paying 1,600.00 (combined) monthly for health ... A: Carol, I hate to do this to you, but I will need some more info before I can assist in any way on ...
Medical Bill	5/23/2009
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 ...
supplemental health insurance	5/19/2009
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 ...
Insurance 101	5/19/2009
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 ...
Medicare supplement insurance	5/18/2009
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: ...
Insurance 101	5/17/2009
Q: I am new to the word insurance Because i am going to US and there with out Health Insurance most of ... A: Mansoor, I will need more info to help you. 1 - Where are you from? 2 - What state will you be ...
Medicare supplement insurance	5/16/2009
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, Congrats on the achievement coming up. You have given me some good basic information, but ...
Health Insurance	5/15/2009
Q: I buy my own health insurance (for one) through a small businesses organization. Recently, I ... A: Alia, Excellent question an the answer is normally yes. Many times health care rates are driven by ...
lapsed term insurance	5/15/2009
Q: how long do i have to renew a lapsed term insurance policy my fiance died 8 days after the isurace ... A: Sharon, I am very sorry for your loss. I can not say enough about the process of grief you and ...
Supplementary Insurance	5/14/2009
Q: Please provide me with information on Supplementary Health Insurance. How does it work with the ... A: Arun, Thank you for your e-mail. I am not sure what you are defining as Supplemental Health ...
graded death benefit whole life insurance	5/13/2009
Q: My son in law is 37 years old and very ill, on disability. Would like to obtain some kind of ... A: Leslye, There are things out there that can help. I have an insurance broker firm sending me an ...
insurance claim payout	5/8/2009
Q: My wife recently passed away.I was the sole beneficiary on a $20000 policy.The insurance company has ... A: Rene, I am very sorry for your loss. As for the policy, it sometimes depends on the wording of the ...
ins. coverage for treatment by provisional licensed psychologist	5/5/2009
Q: I'm considering seeing a psychologist who is out of network. She has her ph.d. and has a ... A: Maggie, As with most out of network issues, you usually come out the best by discussing your ...
Health, Dental, Vision at kinda new job?	5/4/2009
Q: While my husband worked for a small family owned business we were covered by their Health, Dental, ... A: Leigh, I will start by saying I am sorry and congratulations all at once. We can all be thankful ...
fathers life insurance	4/29/2009
Q: my father pasted away back in 2003 of als. he told me and my brother that he was leaving the 2 ... A: Phil, There are databases and every policy that is issued has a history listed with the state it ...
fathers life insurance	4/27/2009
Q: my father pasted away back in 2003 of als. he told me and my brother that he was leaving the 2 ... A: Phil, Sorry for your loss in 2003. Even though it was awhile ago, I know you still think of him ...
pre-certification responsibility	4/22/2009
Q: I started getting numbness in my hand and fingers in Nov. of 2007 which got progressively worse. In ... A: Judith, So sorry to hear about your issues. I do hope things are better save for this trouble you ...
life insurance policy	4/15/2009
Q: My mother passed away in 2000 when i was sixteen and I was reciently informed by a very close friend ... A: Jay Powers, There are ways to find life policies, but not sure how easy it would be priot to ...
Quick Question	4/12/2009
Q: I received a life insurance policy for my fathers death, of 10,000. Are there any taxes that need to ... A: Skyler, Thank you for the inquiry. Sorry it has taken a few days to get back with you. Our power ...
Recession and Health Industry	3/26/2009
Q: my name is Baris. Would you please tell me about the problems that health industry faces because of ... A: Baris, What involvement the government has or had is always hard to say. The health care market ...
Recession and Health Industry	3/25/2009
Q: my name is Baris. Would you please tell me about the problems that health industry faces because of ... A: Baris, The only issues I can foresee are dependent on what Mr. President does. I honestly do not ...
Earnning of Life Agent	3/24/2009
Q: I am full time Financial Planning Consultant in Dubai - Specializing In selling of Life Insurance . ... A: TChadha, With it being Canada where you are going, I may not be the person to ask. Generally, in ...
Earnning of Life Agent	3/24/2009
Q: I am full time Financial Planning Consultant in Dubai - Specializing In selling of Life Insurance . ... A: TChadha, Congratulations on your move. I hope it is a safe and happy one for you. Since you do ...
pre-existing conditions questions	3/20/2009
Q: FIRST OF ALL ...THANK YOU FOR TAKING THE QUESTIONS. I LIVE IN CALIFORNIA AND HAD BEEN UNINSURED ... A: Julie, Thanks for letting me try and help... I will try and stick to your two points - #1 - ...
Single Health Insurance Coverage.	2/28/2009
Q: I'm a 24 year old single male in pretty decent health. My current coverage through Anthem increases ... A: Andrew, I am not sure what state you reside in, so offering specific ideas may not be a capability ...
Health Insurance	2/23/2009
Q: Is it possible to stay on your husbands insurance after a divorce. We have an amicable divorce and ... A: Kathleen, I am sorry to hear about the dissolution of your marriage, That is always a tough time ...
HSA (Health Savings Account)	2/17/2009
Q: I know we can be reimbursed from our HSA for allowed expenses and we must keep proof of such ... A: Millie, That's a tough one as I deal in HSAs very little at this point. To my understanding, ...
Laid-off: what to do with group life insurance	2/16/2009
Q: Ramsay: I was laid off and had group term life insurance coverage with my past employer (just the ... A: Sandy, Thanks for the question. Sorry to hear about the job situation. In my opinion, group life ...
life insurance	2/13/2009
Q: My dad passed away recently and we have not spoken in many years because of a bitter divorce between ... A: David, I am sorry to hear about your loss and all the circumstances with your situation. I will be ...
My father's life insurance	2/12/2009
Q: My father died October 2007 from cancer. He was placed in home hospice care where my family and I ... A: Shaun D., Thank you for emailing me. I am sorry for your loss. Going through that kind of ...
life ins and dis ins	2/3/2009
Q: I have a few questions that I need help with. I am 33 male non smoker and am in good health, my ... A: Mike, I am happy to assist the best way I can on here. I will take your questions in the order you ...
Supplemental health insurance	2/1/2009
Q: Sir Do supplemental insurance payments made to me have to be added as earned income on federal tax ... A: Robert, Great question. The answer is yes and no...and for the final answer I will defer to a tax ...
Am I responsible for bill	1/24/2009
Q: If I was scheduled for a stress test through my doctor's office and have an insurance plan that ... A: Dana, WOW! Tough question. Probabaly set your stress level back up pretty high (sorry if that ...
Breast Reduction Justification	1/22/2009
Q: My wife had been recommended by 2 different Drs. to get a breast reduction (she is 43). We have a ... A: Hector, Thank you for the question. The answer to your first question is yes, it is a common ...
Tax on life insurance	1/17/2009
Q: Are term life insurance premiums tax deductible? A: Mike, This comes directly from the IRS website... You may not deduct insurance premiums for life ...
health insurance policy question	1/15/2009
Q: My son has just accepted a new job in Ca. He has been told he can either go with a policy thru the ... A: Karen, Congrats on the new job for your son. Having the policy got through the employer may have ...
Use HSA for non-dependent medical expenses?	1/15/2009
Q: I'm hoping you can help. I have an HSA plan with my employer and am financially responsible for my ... A: Jessica, Thank you for the info. It helped me get your correct answer. Now, there are different ...
unique marketing/news release item	1/12/2009
Q: My firm wrote the honest annuity; unique in that it rises in return to the investor every year for ... A: Tom, Your questions is a general sales question. The best way to get to the rated decision makers ...
Individual Health Insurance Questions	1/9/2009
Q: I am an unmarried 23 year old girl and I live in Oregon. Until the first of this year, I have been ... A: Kristen, You have done your homework and I am proud of you. many times I get emails and people ...
cancer	1/8/2009
Q: my wife and i recently picked up a cancer policy but afgter researching a bit on the internet, i ... A: Mike, I get your question all the time. In fact, the main bulk of my business comes from ...
Life insurance	7/14/2007
Q: My grandfather recently passed away thinking before he did, that my grandmother would continue ... A: Heather, Sorry to hear about you loss and about the "issues" you and your grandmother are facing as ...
Life and Health Exam	7/12/2007
Q: I am a stay at home mom of 2yrs..previously I worked as an Internal Wholesaler in DI and prior to ... A: Congrats on getting in there and doing. I set mine off and had all kinds of trouble getting ...
affordable health insurance after heart attack	7/10/2007
Q: I am a 58 year old man who suffered a heart attack 5 1/2 years ago. I have health insurance with a ... A: Join the club. Health care costs rise and rise and rise all over the place. Let's look at what you ...
Whole Life Policy Cashout	6/24/2007
Q: I have a whole life policy for $50k thru Country Companies Ins. I have a loan against it of approx ... A: I would have no idea as I: a - did not write the policy b - do not know when it was taken out c - ...
health insurance	6/21/2007
Q: If I currently have insurance under my husband's job and he leaves for a new job and they don't pick ... A: I will assume that you are planning a family or an addition to ask such a specific ...
Supplementary Health Insurance	6/20/2007
Q: What are the products of Supplementary Health Insurance in US? How is it different from the Medigap? ... A: Good question. Glad you asked. The products for Supplemental vary from company to company, but ...
Health Insurance--calculating how much I need	6/14/2007
Q: I will be retiring early (age 53) and need to buy my own health insurance. I could duplicate what I ... A: Congrats on your retirement. Yes, you pay the premium for health coverage for the extreme "what if" ...
Membership benefits	5/30/2007
Q: We have a membership of over 600 musicians. Currently, there is no annual membership fee. We are ... A: Sorry it has taken a few days. As long as the group has not been formed for the purpose of gaining ...
LIFE & HEALTH TEST	5/25/2007
Q: I'm having problems in passing this test, the questions for some reason are vague with a lot of ... A: My biggest breakthrough was when I went to the bookstore and purchased EXAM CRAM By BiSys for Life ...
Term Insurance	5/22/2007
Q: My husband recently died and we had taken a term life insurance policy years ago. We considered it ... A: I am very sorry for your loss. Term Insurance is only as good as the term (or amount of time) it ...
Getting Health Insurance w/pre existing condition	5/17/2007
Q: My father was informally diagnosed with Pancreatic Cancer. He is self employed and does not have ... A: I must say that it is unfortunate that your father has such a situation before him. I am sorry for ...
life insurance	5/9/2007
Q: How do I go about obtaining life insurance for my husband. He is the type of person who doesn't ... A: Lisa, You have some options available to you: 1 - If your place of work (assuming you work) has ...
unmarried mother life insurance	5/4/2007
Q: Ramsey, My boyfriend fathered a child out of wedlock before we met; the child is now three. My ... A: Caitlin, Thank you for the feedback already. I have recieved one email back from one of my ...
Health ins w/pre existing	3/21/2007
Q: I am desperately seeking ins I have a pre existing condition even though I have not been formally ... A: I am so sorry to hear about your struggles. I have checked some things online and it looks like you ...
All in One company	3/20/2007
Q: I am about to become self employed and am going to be in need of health, dental, vision, life, and ... A: While I appreciate the vote of confidence, I would still like to know what you are looking for ...
Supplemental disability	2/17/2007
Q: DO you think supplemental disability is a worthwhile venture? I bought a new house a year ago, ... A: Disability coverage is only as good as what the law will allow you to collect in terms of it. I am ...
FSA/HSA	2/3/2007
Q: I have a FSA with my current employer. When I retire in later this year, will I be eligible to open ... A: Your FSA you currently hold while employed is not really related to your ability to have an HSA at ...
life insurance	12/15/2006
Q: I would like to know examples of alliances between companies for selling life insurance to their ... A: I do not have a clear understanding of what you are asking me here. Please clarify and I will try ...
1955 insurance policy	12/13/2006
Q: My boss has just passed away and his daughter has asked me to try and find out if one of his old ... A: You can check out a website called www.mib.com. There may be a charge for some of what they offer, ...
ACL Tear as a Pre-Existing Medical Condition	12/10/2006
Q: A little more background info: I'm in the state of California and the company for which I just ... A: A little more background info: I'm in the state of California and the company for which I just ...
ACL Tear as a Pre-Existing Medical Condition	12/9/2006
Q: I injured my knee about a month ago (early November), but then started a new job this week (early ... A: Jonathan, Your question is a good and valid one. The worst case scenario I see is that you will ...
COBRA life insurance	11/15/2006
Q: You are the BEST! I took a look at the fine print. The ex-employer calls this benefit a "Group ... A: Yes. I noticed those "Continuation" things too. Seems they allow you keep your life insurance ...
COBRA life insurance	11/14/2006
Q: I just wanted to follow up. 1. We only elected the life insurance part of COBRA. The ex-employer ... A: AHAAAAA! I found something on University of Minnesota's website and here is how they handle it. ...
COBRA life insurance	11/14/2006
Q: This is a strange one! My husband worked for a company in Minnesota and was terminated in March 06 ... A: It's not strange, but it could get pretty ugly if they are claiming you never sent payments and ...
Life insurance	11/10/2006
Q: Mr. Ramsay, Thank you so much for your prompt response. I try not to take advantage of your kindness ... A: Mr. Ramsay, Thank you so much for your prompt response. I try not to take advantage of your kindness ...
Life insurance	11/10/2006
Q: I'm thinking about buying life insurance to provide some protection for my very young children in ... A: Kim, Thanks for your question. I can really only guide you on this one as I am no financial ...
EXTRA LIFE INSURANCE	11/7/2006
Q: .....I JUST WANT MAYBE $10,000. TO PAY ANY CREDIT DEBTS LEFT,...WE DO NOT OWN PROPERTY, OR HAVE ... A: OK, so I got a UL quote for you for $10,000.00 today. Based on your health being standard it will ...
extra life insurance	11/7/2006
Q: I am a male, 73 yrs. old...I want to take out extra life insurance to cover any debts I may leave my ... A: Collins, Thanks you for the question. All I can say is that I am glad you have decided to consider ...
help	10/27/2006
Q: I need to find a way to get dental insurance. I need something that treats pre-existing conditions, ... A: Unfortunately dental insurance is pretty much the same across the board. Your copays and such line ...
searching for possible assurance policies	10/26/2006
Q: Is there a way of enquiring whether any assurance policies exist for my father who died recently. I ... A: Your best options are: - Personal places where your father would have kept important papers. - ...
supplemental medicaid illinois	10/24/2006
Q: I have a client who is pregnant, 21, full-time student, no income. She is under her families medical ... A: I know that Medicaid should be available to help her. They have certain things in place ...
COBRA	10/18/2006
Q: I have a few questions I hope you can help. My father passed away two weeks ago (10/4), he was 60 ... A: I am sorry for your loss. Thoughts and prayers go with you and your family at this tough time. It ...
Insurance and pregnancy	10/3/2006
Q: My wife and I would like to have a child soon. I called my insurance company that I have through ... A: OK, first of all congrats on the plans. Next, I will go on the assumption that you have not gotten ...
Pre-exsiting Claims	10/2/2006
Q: I am a 16 year old female, and about 8 months ago while playing soccer i tore my ACL. At the time we ... A: Is my assumption correct that you are planning surgery before you head to the Marines? If so, your ...
Urgent - Need Medical Insurance On 2 Grandaughter's	9/29/2006
Q: I have two Grandaughter's that urgently need a good medical plan, that their or any Peditrician ... A: OK, I have had to do some serious thinking on your extremely good question and here is where we can ...
Pre existing and health insurance	9/29/2006
Q: Is there any company that will provide health insurance to someone who had cancer 3 years ago and ... A: Congrats on being cancer free for 3 years. You are another survivor and I know that must feel ...
Medical discount savings program	9/27/2006
Q: Until I can afford hospitalization insurance, do you know of any good medical discount savings ... A: What you seem to be looking for is sometime called a "mini-med" where you get certain monies back or ...
Changing healthcare plan while pregnant	9/26/2006
Q: I am currently covered under my old employer's health plan which will expire in a few months. I am ... A: First off, be up front and honest with Blue Cross as you deal with them. My next question is are ...
old insurance policies	9/24/2006
Q: Gene, Me and my sisters have insurance policies purchased by my parents in 1967 from The Beacon ... A: There is actually a resource out there that might help. Go to www.mib.com. This is a cumulative ...
lost life insurance application	9/8/2006
Q: My father passed on July 30, 2006. He had a life insurance policy for 10,000 thru AIGA/Wells Fargo ... A: Danielle, Good questions. The issue lies in the lack of finding a document with the actual named ...
individual health insurance	9/3/2006
Q: I am interested in individual health insuramce. In your opinion what are the most important things ... A: I can not mention any companies as they tend to fluxuate in different parts of the country (and ...
Pregnancy Coverage	8/31/2006
Q: My friend is pregnant and her husband recently lost his job. He has since started another job with ... A: Right...no. Legal...yes. Now, with the situation being what it is your friends have a few ...
Declined Life Insurance	8/26/2006
Q: My husband is 53 years old. We live in Canada. We just applied for a life insurance policy in the ... A: I will go based on the assumption that life insurance is life insurance anywhere you live...but I ...
Group Health Ins.	8/24/2006
Q: Does an employer who provides BC/BS Group legally have to notify employees a certain number of days ... A: Good question...and no. An employer can change plans at any time. In Alabama, where I live, an ...
Health Insurance	8/19/2006
Q: My husband is retiring from his city job. He is 54. We are moving to another area. He will be ... A: Number one...you need to know exactly when his new health benefits would kick in. If the wait is ...
cash value	8/18/2006
Q: i have a whole life insurance policy with AFLAC and i am considering dropping because i can get a ... A: In all circumstances I can think of, your cash is yours when you terminate the policy. Check with ...
Major medical	7/30/2006
Q: I didn't mean to appear rude and hope my last message didn't come across that way! I'll try to be ... A: No worries my friend. Patience is key from all people and email is a horrible substitute for real ...
Major medical	7/28/2006
Q: Hey Gene, I have always paid for health insurance and am hoping to find a better situation. I'm 55, ... A: Thnaks again. The biggest difference is if the money is in an HSA, the Health Insurance people know ...
Major medical	7/27/2006
Q: Hey Gene, I have always paid for health insurance and am hoping to find a better situation. I'm 55, ... A: Good question and I may be able to offer you some options. The first one that pops out is having ...
beneficiary	7/26/2006
Q: My husband shortly after we married brought home change of beneficary forms for all of the ... A: If you have the signed form and the form states the change of beneficiary then that should be all ...
Old Life Ins. Policy	7/23/2006
Q: My father passed away approx 15rs ago. I most recently located most of his life insurance paperwork. ... A: JF, You are the second situation like this in the last two weeks. As long as the policies were ...
Help	7/20/2006
Q: I am the Executive Director of a non-profit organization, so that you will know, it is a local ... A: Stuart, No problem. Congrats on your position and job and good work. Habitatis a great ...
Unknown policy	7/13/2006
Q: Could anyone, e.g my ex-wife, open an insurance policy for me and make herself the beneficiary ... A: As an adult, your wife can only provide information on you for an application for a life insurance ...
Dental Discount Plans	7/8/2006
Q: I live in Washington State, my employer does not offer medical or dental insurance, I do not qualify ... A: Candice, You have a situation that could get sticky on many levels. I will check into some other ...
Health Insurance for self-employed	7/6/2006
Q: My spouse is attempting to break from corporate America into his own business. Health insurance is ... A: Sorry it has been a few days since getting with you. I need some basic information: - State you ...
beneficiary?	6/30/2006
Q: Do I understand correctly that the debts of the deceased are not automatically paid out of the ... A: Here is how it is stated: "The insured's estate can be named as beneficiary. The insured may ...
beneficiary?	6/30/2006
Q: Ramsay for the fast response - few quick follow-ups: 1) What did you mean by "another risk here is ... A: Ramsay for the fast response - few quick follow-ups: 1) What did you mean by "another risk here is ...
beneficiary?	6/30/2006
Q: I am trying to help the family of a 45 year old single female (never married, no children) who just ... A: Here is my take on a few things you can look into: 1 - Be absolutely certain no beneficiary was ...
Is life insurance Taxed	5/10/2006
Q: My father recently passed away and I was wondering if I recieve his life insurance policy tax free ... A: Ben, Sorry to hear about your loss. I have lost both of my parents and it is never easy. I will ...

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Gene Ramsay

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Expertise

I can answer questions from people regarding health, life, and voluntary insurance. I can also answer certain annuity questions, long-term care, medicare, vision, dental, group products, individual products, and certain carriers. Another area would be general discussion on an individual basis to determine need and help individuals make the right decisions for them. I can also field questions from other insurance providers about carriers I represent so we can do some business together and I am also willing to offer my thoughts on certain issues they may be having with clients/customers, etc.

Experience

My experience comes from helping many people every day handle tough situations in the health, life, and voluntary insurance markets. I do not claim to know it all, but I will always be direct and professional.

Organizations
National Association of Health Underwriters, Alabama Association of Health Underwriters, Birmingham Association of Health Underwriters

Publications
Self Funding Magazine, ezines.com

Education/Credentials
My educational credentials are holding a health and life insurance license in multiple states.

Awards and Honors
Rookie Sales Award of the Year, 2006 (Colonial Life), Birmingham Association of Health Underwriters, 2010 (Treasurer), NAHU Region 5 & 6 Leadership Conference Participant, 2011, "Benefits Selling" Magazine Reader Council Advisory Board, 2011-

Past/Present Clients
I would prefer not to divulge clients without their consent to do so.

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