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Life & Health Insurance/Questions Answered by Expert George J. Zacherl
| Subject | Date Asked |
| Old life insurance | 5/18/2011 |
| Q: My husband passed away a few month ago. Our residence is Florida. I found out that the had a life ... A: Probably the best thing to do is to contact the estate attorney for your husband's parents estate. ... | |
| collateral assignment | 3/26/2011 |
| Q: I have a Variable Appreciable Life Insurance policy with Prudential and it's costing more in ... A: This is a common problem right now with this type of variable life insurance policy. Basically what ... | |
| Father's Life Insurance - Beneficiary already passed away | 3/25/2011 |
| Q: My Father passed away last month. He and I both resided in Illinois. Upon gathering his life ... A: I am sorry to hear about the passing of your father. From the information that you have provided my ... | |
| term life insurance northwestern mutual | 3/16/2011 |
| Q: My husband and I both purchased term life insurance together when we were married at an estimate of ... A: Sorry to hear about the difficult situation you are having right now. From what you have told me, I ... | |
| Beneficiary life insurance/arizona | 2/24/2011 |
| Q: In the state of AZ, if a wife does not list her husband, who is in prison, as the beneficiary on her ... A: I would say no provided that you listed another person as the beneficiary. If you designate your ... | |
| Health Benefits | 1/12/2011 |
| Q: I'm a 1099 freelance court reporter. I am on staff with an agency in New York, but pay for my own ... A: There are many different parts to your question so I will take it one part at a time. New York is a ... | |
| health insurance | 12/21/2010 |
| Q: I'm on a small business group health plan in Oregon. For me and my wife(we are both employees# our ... A: With the pre-existing conditions you mentioned I think it would be difficult to obtain individual ... | |
| health insurance coverage | 11/15/2010 |
| Q: Family member is currently covered under a COBRA policy. This will end 12/31/2010. She has a ... A: My suggestion would be to contact your state's Department of Insurance or do the following Google ... | |
| term vs. whole | 9/8/2010 |
| Q: My husband & I bought a whole life insurance policy 6 years ago. The payment was always expensive, ... A: First of all, congrats on the baby. I hope all is going well with the pregnancy. The reason I ... | |
| term vs. whole | 9/5/2010 |
| Q: My husband & I bought a whole life insurance policy 6 years ago. The payment was always expensive, ... A: This is a great question that I get asked all the time and it really depends on your personal ... | |
| Supplemental Coverage | 7/30/2010 |
| Q: I am 60 years old and have BCBS health insurance. It has a 2500 deductible. I was diagnosed with ... A: The best place for you to take a look for this type of coverage would be through an employer. Often ... | |
| Life Insurance | 6/24/2010 |
| Q: My daughter passed away in an auto accident in March, she was 21. Her father and I are divorced. ... A: First of all, I am sorry to hear about your daughter. From what information you have provided me it ... | |
| autism and life insurance | 6/20/2010 |
| Q: I have applied for life insurance with 2 companies for my now 18 yr old son. Also he was born with ... A: I would hope that there are some options available to him. The first place I would start is with a ... | |
| Health insurance vs out of pocket | 5/24/2010 |
| Q: I am very afraid of ever rising insurance rates! I had cancer a eight years ago and I have been ... A: I need to point out a couple of things to you regarding how the insurance system works and the ... | |
| health policy- dependency of parents | 4/22/2010 |
| Q: I want to know that can an earning son who runs the self business claim the health policy for his ... A: The best answer I can give you is maybe. Different insurance companies have different rules on ... | |
| life insurance | 3/12/2010 |
| Q: my daughter has Lupus as her underlying condition; she has HTN, Renal disease, Anemic (sometimes) ... A: It would be hard for me to recommend one insurance company to try but if it was me looking then I ... | |
| policy | 2/10/2010 |
| Q: My husband found a deferred annuity certificate from The University Life Insurance Company of ... A: I did a quick Google search on The University Life Insurance Company of America. It appears that ... | |
| Life Insurance | 1/22/2010 |
| Q: Do I need my daughter's father signature in order to purchase a life insurance policy on him? A: I am assuming from the question that you are not married to the father of your daughter. Forgive me ... | |
| A Second Cancer Policy | 1/5/2010 |
| Q: I have a question regarding whether or not I can have 2 supplemental cancer policies from different ... A: Nothing prevents you from having policies from different companies. The application will probably ... | |
| Individual Health Insurance with heart disease history | 4/23/2009 |
| Q: I currently have group health insurance for myself and my spouse through work. My company (a ... A: It is a little hard to say exactly what your options are since I don't know the extent of your heart ... | |
| Life Insurance | 4/17/2009 |
| Q: I wonder if you are able to comment about SBLI (Savings Bank Life Insurance) Policies. They seem to ... A: The only specific thing that I can say regarding these types of policies is to look out for who gets ... | |
| 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: Usually there are not any taxes that need to be paid on the benefits from a life insurance policy. ... | |
| Privacy of Medical Info | 3/12/2009 |
| Q: I am 27 and my mother owns my life insurance policy. She is upgrading my policy so I am filling out ... A: As the owner of the policy, the agent is required to tell your mother how they determined the ... | |
| 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: My advice would be to find an insurance broker or financial advisior that specializes in life and ... | |
| Blanket Accident Insurance | 1/29/2009 |
| Q: In your opinion, is this a good insurance to have. It is 5.95 monthly. It has below: Accidental ... A: For the cost I would say it is not a bad policy. But this policy is not designed to serve as your ... | |
| life insurance | 12/19/2008 |
| Q: I have some questions about life insurance. I know insurance companies probably don't like to pay, ... A: There is many different parts to your question and the answer is going to be quite long but here ... | |
| Mortgage Insurance | 11/24/2008 |
| Q: I am a 71 year old non-smoking male who has just had a complete physical and came through with ... A: Forgive me if I missed it but I did not see a question. But I am guessing that you are wondering ... | |
| Change of health insurance | 11/4/2008 |
| Q: My family currently has health insurance through my wife's employer. We pay approximately $300 a ... A: That is true. You cannot drop a group plan once you enroll unless you quit your job or are laid ... | |
| Pre existing conditions | 10/21/2008 |
| Q: My boyfriend and i are looking to get some term life insurance----- We visited with Prudential and ... A: My suggestion would be to find a life insurance broker. The Prudential agent is only familiar with ... | |
| health care coverage | 10/19/2008 |
| Q: .......I'm a 24 year old single male. I'm in between jobs and a smoker. I'm looking for some ... A: I would be hard for me to make a recomendation not knowing which state you live in. My ... | |
| Health Insurance | 10/8/2008 |
| Q: My company has started to offer group health insurance. Right now, the premium is 100% paid by the ... A: Your employer is being consistent with the law as long as they treat everyone the same which it ... | |
| AIG | 9/23/2008 |
| Q: I have been receiving permanent disability payments for six years and I am scheduled to receive ... A: I have been talking to different people in the financial profession and they are telling me that AIG ... | |
| Someone has a Life Insurance Policy on Me | 9/15/2008 |
| Q: It has come to my attention that the father of my 4 year old daughter has taken out a Life Insurance ... A: For any insurance policy to be issued there has to be what we call "Insurable Interest". Insurable ... | |
| Full time rv'er health insurance | 8/16/2008 |
| Q: Because our mailing address is recognized as a full timer rv'er I'm having problems with BC/BS. Can ... A: Sorry to say I can not answer your question for a couple of reasons. First, not knowing which state ... | |
| Universal vs. term | 7/27/2008 |
| Q: ........ My wife and I have a Universal Life policy through Aviva going on about 15 years now. My ... A: I would recommend taking a look at your life insurance policies for a couple of different reasons. ... | |
| insurance | 7/13/2008 |
| Q: i have always had life insurance, but have been unclear as to how they work. If for instance i ... A: Now there are different types of life insurance policies. But if you have paid your premiums and ... | |
| Insurance Change due to company buyout...while pregnant | 6/18/2008 |
| 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. ... | |
| Health Ins | 6/4/2008 |
| Q: I used to have group health insurance through my job. I have quit my job and my health insurance ... A: Sorry to hear about your problems getting insurance. Pre-existing conditions can be a problem for ... | |
| Very high deductible health insurance | 5/29/2008 |
| Q: I am healthy and quite well-to-do and am miffed as to why I'm unable to find health insurance with a ... A: I have not seen any policies with the deductibles that you are looking for. But in all honesty I do ... | |
| Help with 2 questions | 5/11/2008 |
| Q: I am a 32 year old male with good health. I have a wife 36 and 3 young children. I am looking to ... A: First of all, congratulations on protecting your family with life insurance. You would be amazed at ... | |
| Individual health insurance vs. health care card | 3/29/2008 |
| Q: After reading questions posed by others, I am confident you can provide some advice to me on this ... A: Sorry to hear about the problems you are having trying to find coverage. As you have found out it ... | |
| Life insurance payouts taxable | 2/10/2008 |
| Q: My mother died last July. She had 3 life insurance policies all small amounts all with the same ... A: I am sorry to hear about the passing of your mother. I know how it can be a very stressful time and ... | |
| CONFUSED | 1/26/2008 |
| Q: I am a 26 year old single mother of a 6 year old. I am wanting to take out a life insurance on ... A: This is the advice I give to my clients that are in your situation and the same thing I did ... | |
| life insurance | 1/22/2008 |
| Q: My daughter's father passed away on November 2007. I always knew he had life insurance which was ... A: First let me make sure that I understand your question correctly. After you and your husband split ... | |
| private disability insurance | 1/16/2008 |
| Q: I am a teacher who is eligible for early retirement at 55 with full health benefits for life. I am ... A: It is always a pleasure to help out teachers because my wife teaches. Some of my answers will be ... | |
| COBRA Insurance | 12/31/2007 |
| Q: Need your inputs. I changed my job and on to new Health Insurance from my new company from Dec 01 ... A: The insurance companies have the right to look back and see if the their was any kind of ... | |
| COBRA Insurance | 12/28/2007 |
| Q: Need your inputs. I changed my job and on to new Health Insurance from my new company from Dec 01 ... A: First of all congratulations on the new addition to your family. This is a common question about ... | |
| supplemental insurance and pregnancy | 12/19/2007 |
| Q: My husband and I have decided to start a family. He works contractually and I am working from home. ... A: Congratulations on starting your family. It is a wonderful and exciting time. There are a couple ... | |
| How do I go about this? | 11/18/2007 |
| Q: Zacherl My question is reguarding Health insurance. In 2005 I went to germany to have a multilevel ... A: Since I also live in Western Pa, I am very familiar with the Highmark plans. The insurance you may ... | |
| Smoker then non-smoker now smoker again. | 11/13/2007 |
| Q: When I took out my insurance policies I was a smoker no problem. I quite for 1 year and I had my ... A: That would depend on the individual insurance company. I would look back over the paperwork you ... | |
| Individual Coverage Options | 11/2/2007 |
| Q: I'm a 30 yr old female cancer survivor of Hodgkin's Lymphoma that has been in official remission for ... A: Generally speaking you will not qualify for any individual coverage until the cancer has been in ... | |
| life insurance | 10/30/2007 |
| Q: My mother told me that my sister had taken out a life insurance policy on her. She had others as ... A: The insurance companies do have databases that they can use. With all the privacy laws that now ... | |
| To those who cant afford Medical Insurance | 10/18/2007 |
| Q: My name is Valerie Deland and I specialize in a very affordable Medical plan that Im sure everyone ... A: It is great that you are trying to help people but I am sorry to say I will not market or recommend ... | |
| value transfer | 10/4/2007 |
| Q: 2 people own a business together and have life insurance policies where the other is the ... A: Sorry to say I can only answer part of your question. As far as changing the beneficiary on the ... | |
| Life Ins | 8/30/2007 |
| Q: It has recently become my task to take care of my fathers affairs. He has not kept good records ... A: I am sorry to say that most group life insurance policies end when a person either quits or retires ... | |
| health insurance | 8/27/2007 |
| Q: I am 25 years old, with decent health insurance - my father is ill and has been unable to work. Is ... A: In order to add him to your policy, he would have to legally become your dependent. Which would ... | |
| Researching opportunities | 8/21/2007 |
| Q: George, I am an insurance agent, currently on a sabbatical to raise children. I am interested in ... A: First of all, congrats on getting started on your insurance business. It can be a fun and stressful ... | |
| Health Insurance | 8/13/2007 |
| Q: I am 61 and have been continuously insured for over 10 years. In good health; don't smoke. Retired ... A: The rate of $230 a month is a great rate for your age. But double check to make sure that it is ... | |
| companies for self | 8/11/2007 |
| Q: .i am looking for my girlfriend, who is not employed at the moment, age 51, individual health ... A: I can not recommend one company for you because I don't know which state you live in. But I can ... | |
| Life insurance | 7/27/2007 |
| Q: I had a son when I was 18, the father and I never got married but he was still active in our son’s ... A: I am sorry to hear about your son's father. I am not sure why his life insurance policy did not ... | |
| CSV payout | 7/26/2007 |
| Q: Is cash surrender value included with the death benefit when the insured dies? Are loans against ... A: Let me answer the second part first. Any loans will be deducted from the death benefit. As for the ... | |
| life insurance | 7/20/2007 |
| Q: I have a 19 year old daughter who was diagnosed with von Hippel-Lindau disease at the age of 16. It ... A: There may be some life insurance policies depending on which state you live in and how much you are ... | |
Life & Health Insurance
Answers by Expert:
George J. Zacherl
Top Expert on this page
Expertise
I am the Managing Partner of Colao & Zacherl Insurance Group. We specialize in Health, Life, Disability, and Supplemental Insurance policies for both groups and individuals. We are an independent agency representing several different carriers so that we can offer the widest variety of options for our clients.
Experience
Licensed Agent in Pennsylvania and Ohio
Organizations
BNI - Western Pennsylvania
Education/Credentials
BS - Penn State University
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