| Subject | Date Asked |
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| 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 ...
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| 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 ...
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| 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. ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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. ...
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| 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 ...
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| 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. ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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| 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 ...
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