Affordable Insurance Plans, insurance coverage, health insurance quotes

And I would appreciate some links to helpfull info.

It’s always a good idea to get as many perspectives about a product you’re considering and that would include talking with insurance agents and brokers. Brokers do represent you, unlike agents that represent insurance companies. However, they only can offer you health plans with companies they have relationships with, so you might be able to accomplish the same task if you speak to multiple state-licensed health insurance agents.

Before you begin speaking to insurance experts, I would make sure you already know what kind of health plans appeal to you. Most health plans differ according to:

1.Price – monthly premium, annual deductible, coinsurance, copayments, etc.
2.Access to health care – the ability to self-refer to specialists you’d like to visit and greater freedom in undergoing treatments and medical procedures.
3.Financial stability of the issuing insurance company.

Below I’ve listed links to three guides to understanding and selecting a health plan. When you’ve narrowed down your list of insurance companies and decided which health plan model you’d like to use (traditional fee-for-service, PPO, HMO, etc.), try visiting MostChoice.com. You can compare health plans online through prices and policy descriptions, and you can also speak to multiple locally licensed health insurance agents and brokers without any obligation.

You can find it here: http://www.mostchoice.com/health-insurance.cfm

Hope this helps,
Barnes @ MostChoice.

We used to have individual health insurance, and I would pay for it out of my own company (an S Corp). When we got insurance through my husband’s employer, I stopped reimbursing myself.
He is paid for by the company, and then it costs extra to add myself and our child.

I was just going to deduct health insurance premiums on our Sch A, but we don’t have enough other medical expenses to meet the limit.

Is it ligit to go ahead and reimburse myself the amount that it cost for the health insurance? Then it would be a business expense. Thanks.

No.
The insurance through your husband’s employer does not meet the test of having been established through the S-corp.

What is the easiest way to get health insurance quotes without being harassed by sales people?

Try this site,

http://cheap-health-insurance-usa.info/

Here you can get free quotes from different insures in your area just in one minute, its the best way to find an affordable health insurance with a reliable company.

Best Wishes,

CIP

http://www.insuranceinstitute.ca/iicContents/Default.aspx?DN=2

I was planning on buying a second hand car from a dealership. I got the serial number of the car to do a Car Proof check.

Well, I found out the car was in an accident (the dealer said it had not been) but what concerns me is that it says that "the insurer has not yet paid out the claim".

Does this mean the repairer of the car has not yet been paid, and if so, if I purchase this car, will it make me liable for the payment?

Please help!
Thanks!

It could be that the report has not been updated. If there are no Mechanic’s Liens on the vehicle then, the vehicle is clear to purchase. However this doesn’t mean that a mechanic won’t put on a lien an hour from now, tomorrow or the day after. It’s best to contact Car Proof and confirm this.

I have a motorcycle that I have to register in Boston.. problem is that I need to get it insured first. I know that theres a fixed insurance rate in Massachusetts so many insurance companies don’t do business in the state… does anyone know a decent company around the area?

I also wanted to know how much I would end up paying for the minimal insurance package… a few people have mentioned it coming up to around $200 a year, does that sound about right?

The Premier Ins Co. insures motorcycles in MA. I know, I have them for my bikes. Your premium depends on your riding experience and the bike itself. The more time you have been riding the less the premium. As well as if it’s a new bike or old. You need to contact a local insurance agent to get that info.

My dad passed away in Nov. He had named beneficiaries on his life insurance at work. He has way more debt than assets, he will have a negative estate. Creditors are threatening that we should use the life insurance to pay the balances…are these just tactics they use? Should we be concerned that the money can somehow be taken? We live in Wisconsin. Thanks!

Life insurance is unique in that the death benefit, not the cash value always, usually free from debtors! UNLESS the policy has been assigned over to them or the beneficiary is them. The policy is unique, even with an estate plan, unless specificaly mentioned and beneficaries are changed will be paid only to the named beneficiary! This is generally true and is true in the Commonwealth of Penna.
Your father, my sympathy for your loss, had generally term insurance (no cash value) through work. Probally was not assigned because there is no cash value and the beneficary, if he listed one, is not a debtor. Call his HR or benefits department if you are the beneficiary, or the spouse or child or
executor (trix) and they will tell you only if you are beneficiary, but if not, they will not tell who is. I would contact your dad’s place of employment first, then if necessary your State Insurance Commission, for an explanation (no charges). Then keep a log of these tactics and report to the Better Business Bureau, or if they are harassing your family, your attorney!
The only way, unless they are listed or assigned is if, your dad left no beneficiary. Then generally, it will go to the estate and after any taxation (the estate) then becomes part of the estate and is to be paid to creditors.
PLEASE NOTE.
These are general answers and info. I live in another state and each state has their own laws!
The State not the Federal gov’t makes the laws here. So again, contact employer, the State insurance Commission–or reverse order, if you wish.

I read in many website how high the price of a rental goes when they add insurance. At the same time, it could be much more expensive not to have insurance.

Is it better to buy insurance somewhere else? Where? How?

How do I deal with my credit card rental car insurance? Wil they give me proof of insurance?
I guess I forgot to mention that I am flying to Cancun and intend to rent a car to drive for a week in Yucatan.

I recommend you call a local auto insurance agent to assist you. Since I live in Pennsylvania I can’t suggest an agent in New Mexico, but here is an resource that can help you. http://www.autoadvicetips.com/Auto-Insurance-Quote.html

Good Luck!

I’m looking for a non-biased list of quotations. I’m from New York by the way. Anybody knows any website where I can get a list of car insurance quote online?

Hi,

Check out this site, if you want to find your best or cheapest auto insurance just in few minutes,

http://cheap-auto-insurances.info/

Here you can get free quotes from different auto insurance companies in your area, its the best way to find an affordable auto insurance with a reliable company.

Hope this help!

Does anyone know how much profit did insurance companies make in 2007 and 2008? Or from where I can get this info.

I need these stats for a project I am working on and would like to thank you in advance.

Here’s for the health insurance companies for 2008:

"The top five earning insurance companies averaged profits of $1.56 billion in 2008 and reported spending an average of “more than 18 percent of their revenues on marketing, administration, and profits.” That year, CEO compensation for these companies ranged from $3 million to $24 million.”

There’s a chart at:
http://wonkroom.thinkprogress.org/2009/08/05/are-health-insurers-making-too-much-money/

For 2007:

"The study estimates that retained earnings, or surplus, for the entire industry was $687 billion at the end of 2007." (This is for all insurance companies)
http://nofaultparadise.blogspot.com/2008/01/insurance-companies-maintain-record.html#