moneyblog: Life Insurance Categorisation
When considering the section which defines life insurance as category 2 prior to 31 December 2008, and category 1 after that date, remember that life insurance has a special definition in this piece of law: The Financial Advisers Act … read more…
Home and Life Insurance Quotes in Maine | Best Online Car Finance
Home and Life Insurance Quotes in Maine Let’s face it, these days it is extremely important to get your house or life insured by an insurance agent. But the most important question, do you know where to find an insurance agent who can … read more…
Who Needs Life Insurance? | Best Online Car Finance
Many people think life insurance is preying on the fear of death and uncertainty that plagues human existence. However, those who have benefited from a life policy affirm otherwise. Life insurance is a calculated form of protection … read more…
From Google Blog Search
Proving Eligibility for Disability Welfare Benefits
A disability at any age can be difficult for anybody. Losing the ability to be able to support yourself is never easy. Aside from the emotional distress this brings you, there is the more obvious econ… read more…
Life Insurance and Its Deciding Factors
In its most basic form a life insurance policy is a contract involving three parties – the life insurance company, the person whose life is insured, and the beneficiary or beneficiaries. The insurance… read more…
What You Should Know About The Children Cerebral Palsy Benefits
Children cerebral palsy affects are considered “special needs,” meaning that they cannot care for themselves. The most common diagnosis is spastic cerebral palsy, which involves rigid muscles … read more…
From GoArticles.com
Insurance firm seeks 60 workers (The Post and Courier)
A local insurance firm plans to hire nearly 60 workers this year, tripling the size of its current staff. The United American Insurance Co. and Liberty National Life Insurance office is looking for sales representatives and sales managers, branch manager Peter G. Schettini said. read more…
25 Million Have Insurance, But Not Enough (CBS News)
On Top of 47 Million Americans with No Health Coverage, Underinsured Present a Strong Case for Reform read more…
Clyde Fahnestock column – Rowan County Senior Services Department strengthens quality of life for seniors (The Salisbury Post)
It seems to be a well known “rite of passage” that upon turning 60 years of age, one must make a visit to the Rowan County Senior Services Department … read more…
Open Question: What is difference between Life Insurance and Accidental Death & Dismemberment coverage?
I’m a new government employee and am signing up for benefits.
I’m purchasing some optional benefits but don’t understand why I’m being offered supplemental life insurance and AD and D coverage. (standard/basic life insurance is automatic)
Why have both life insurance and coverage for accidental death—isn’t this redundant? Which is better?
Also, if I suffer a dismemberment under the AD & D coverage the medical costs of this would be covered by my health insurance so why get it? The types of dismemberments that are coverable under AD & D—the injuries would be very unlikely I think. Under AD and D I think the dismemberment has to be trauma related like car wreck, getting run over by train, etc. and not due to diabetic complications, etc.
Which is better for me to purchase for my family—-1) additional life insurance on top of our basic mandatory coverage 2) or AD & D?
Coverage would be provided by The Standard.
Thanks much!
Open Question: Open Medicare to all ages vs. Universal Healthcare?
I do not know what I am missing but why would the government create Universal Healthcare when the government could open Medicare to all ages? People will still be accountable for a % of their healthcare and still everyone would be accepted for a premium. And, this would solidify Medicare for the 65+ community. The health insurance companies should love this because a supplemental plan could be offered to people under 65. Not to mention it is already established and much cheaper to administer vs. universal healthcare.
I think I would rather have that than taxing the American people on a 50% tax base. That is what it is in Europe. The people taking the Medicare plan would have the premiums deducted from their payroll checks…just like we do right now for the 65+ or a bill sent to the self employed. Most of the people that are poor get Medicaid anyway…what is the difference?
And, if you want to see what Universal Healthcare will be like, take a look at Medicaid. HMOs that are offered where only crappy doctors take the insurance. The good doctors will not elect to be part of Universal Healthcare and privatize their practices. How does that help everyone? Again only the rich will have access to quality healthcare. And…we will pay in taxes a premium for that crap.
I have a friend that lives in Europe and has told me the restraints put on their access to healthcare. He purchased supplemental insurance to pick up where the insurance fell short. His son had a cleft lip when he was born. Under the Universal Healthcare plan, his son would have had surgery at 5 years old. This would have screwed up his teeth which would mean very expensive dental bills. Since he had a supplemental policy, his son was allowed to have the surgery at 2 years old with minimal impact on his dental health.
What do you think and why would you chose one or the other? There must be a reason why the government is not chosing the Medicare route because I think it is pretty obvious. But, maybe I am missing a very important point and this is why I am coming to you. Tell me what you think..
When I talk about 65+ having the premiums taken from their pay, I mean Social Security…
I understand what you are saying about Medicare being more expensive than some healthcare plans. On a group plan, BCBS is $380/mo and Vista is $340/mo for a 41 year old. However, there are many limitations that are not part of the Medicare program.
Thanks for your thought. It is a good one but do you think that Universal Healthcare would be cheaper than the health insurance? Not to mention that private insurance excludes certain individuals for pre-existing conditions. Something that Medicare would not do…
Resolved Question: help pleases and thank u?
1. If you have earned income, which of the following retirement devices must you contribute to, by law?
A. Pension plan
B. IRA
C. Social security (FICA)
D. Vesting plan
2. Car insurance that pays for your injuries when you’re in an accident in your car is _______.
A. comprehensive
B. liability
C. medical
D. collision
3. Jane Marko buys a car for $11,400.00. In three years, the car depreciates 48% in value. How much is the car worth in three years?
A. $3,800.00
B. $4,788.00
C. $5,472.00
D. $5,928.00
4. Which of the following devices imparts ownership in a corporation?
A. Stock
B. Bond
C. Savings account
D. U.S. Treasury Bill
5. Ray Cupple bought a basic car costing $10,150.00, with options costing $738.00. There is a 6% sales tax in his state and a combined $50.00 license and registration fee. What was Ray’s total cost?
A. $10,938.00
B. $11,541.28
C. $11,547.00
D. $11,591.28
6. The Hamilton Brush Company issued 2,500 shares of common stock worth $100,000.00 total. What is the par value of each share?
A. $25.00
B. $40.00
C. $400.00
D. $250.00
7. Which of the following is intended primarily to enhance a person’s tax advantage and retirement income?
A. U.S. Savings Bond
B. Growth fund
C. Money market fund
D. IRA
8. A share of stock in the Bree Medical Supply Company is quoted at 35 1/4 . Suppose you hold 20 shares of that stock, which you bought at 31 1/2. If you sold your stock at 35 1/4, which of the following would be true?
A. You made a profit of $75.00.
B. You suffered a loss of $75.00.
C. You made a profit of $705.00.
D. You suffered a loss of $630.00.
9. What is the first step that a smart new-car buyer should take before talking to salespersons and putting a deposit on a car?
A. Shop around for a car loan.
B. Obtain car insurance.
C. Study the car market.
D. Test-drive the car.
10. Jane has a checkbook balance of $68.00. She then writes two checks, one for $5.00 and one for $62.50. She also deposits $75.00. She then uses her calculator to determine her new balance. Which of the following is the correct series of keys she should press?
A. 6 8 + 7 5 – 5 – 6 2 . 5 0
B. ON/C 6 8 – 5 – 6 2 . 5 0 + 7 5 =
C. 6 8 + 7 5 – 6 2 5 0 – 5 =
D. ON/C 6 8 + 7 5 = 5 = 6 2 . 5 0
11. The Emerson First National Bank is lending you money to buy a new car. The loan agreement will probably state that you must carry _______ insurance.
A. liability
B. collision
C. no-fault
D. medical
12. On which of the following types of policies is it a certainty that the insurance company will have to make payment? (We have assumed that the policy has been kept current, payments have been made, and the insurance company remains in business.)
A. Life insurance
B. Comprehensive car insurance
C. Medical insurance
D. Liability insurance
13. The major difference between a calculator and a computer, when performing calculations, is that a
A. calculator is faster but needs more human assistance.
B. calculator is slower and needs more human assistance.
C. computer is faster but needs more human assistance.
D. computer is slower but needs less human assistance.
14. Your _______ should furnish enough money to live on, in an emergency, for six months.
A. investments
B. savings
C. interest
D. IRA
15. Which of the following best describes term life insurance?
A. The insured is covered during his or her entire lifetime.
B. The insured pays the premium until his or her death.
C. The insured pays a premium for a specified number of years.
D. The insured can borrow or collect the cash value of the policy.
16. All insurance is based on a principle called
A. premium earnings.
B. investment premiums.
C. division of risk.
D. cash value coverage.
17. In a health insurance policy, a statement that an applicant won’t be covered for a certain pre-existing condition is called a/an
A. exclusion.
B. supplement.
C. waiting period.
D. major medical coverage.
18. The coverage included in an automobile insurance policy that covers property damage is _______ insurance.
A. supplemental
B. liability
C. major medical
D. term
19. A master plan is devised for
A. emergencies.
B. investments.
C. short-term goals.
D. long-range goals.
20. A _______ is invested by managers in a diversity of stocks, bonds, and other securities.
A. series EE bond
B. promissory note
C. preferred stock
D. mutual fund
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