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Do you know any life insurance companies that has all of this?
1) Has banding coverage, meaning rates are base on total coverage of the primary and the spouse. 2) Has spouse rider and child rider, so there's only one policy fee 3) Has terminal illness benefit. If you are diagnose to be terminally ill, you can use a portion of the face amount for whatever reasons. 4) Has increasing benefit rider. That means every year up to a certain time, the face amount goes up by a certain percent without having to provide proof of insurability. And the rate of the added coverage is base on the age when the policy was issued to you. 5) Disability waiver of premium. This means when you become disabled, all your premiums will be waivered and the policy will remain enforced until it matures or expires. 6) Guarantees insurability for children. That means when the child becomes an adult, he/she can get life insurance regardless of current health conditions. 7) It has AM Best Rating of A+ or better or Moody Rating of AA or better. The company I work has all these features in all their life insurance policies. I was wondering if any other companies out there has the same features."


How do you get home insurance company to give you a fair amount for repairs after hail damage?
Hello everyone! After 2 hail storms my parents recently had a lot of damage done to their pool and gutters/downspouts. The insurance company guy came out and looked at it but the amount they are willing to give my parents for the damages is like half of what it is going to cost. The insurance company offered $2300. But 2 estimates so far for the pool alone came in at $3500 and $4000! And that's not even including the $1000 deductible my parents have. My question is, what can my parents do or do you have any experiences that could help because I don't understand how the insurance company can only give my parents half of what the estimates from companies in the area are offering?! Please help with any advise/suggestions! Thank you!!"


Parking permit and insurance/car registration?
my license, car registration and insurance is registerd at my dads cause my mom couldnt afford it will my i get introuble when i go to get a parking permit at my highschool because i live at my moms for the district (its a nicer school) but its registred to my dad and i actually live with my mom only visit my dad ocassionally during summer and sometimes break but he lives in the same city pleases helps sorry this is kinda confusing and i applogize for my grammar oh and im also in California"


Whats a good cheap health insurance for a college student?
http://MayaSoetoro.cn/health-insurance.html


Are insurance rates higher if you have a lien on the auto?
I heard they charge more if you have a lien on your car and was wondering if this is true?


Childbirth C-Section costs no insurance?
I'm reposting this because nothing seems to be showing up on the feeds I post so this is retitled. But I'll mention pregnancy and childbirth to see if those words might change anything. Me and my girlfriend are having a baby. We talked about marriage before we found out she was pregnant. We decided it be best to get married after the wedding because we have no insurance plan which covers it and I didn't want her to ever have the impression we got married because of the baby. I want her to know we got married because it was our love and our baby is an extra bonus for us. She said she didn't want to be that knocked up"" bride at the alter either. So I figured after the baby is born we can actually take time to plan the wedding and her be excited about being in a wedding dress. Her option is the only one I care about so I want to try to make her as happy as possible out of our situation. If we get married before hand we lose the insurance with Medicaid. She was going to move soon and our baby would be coming 4 months after that. All my friends and family are behind the route we had planned. Having said all that"


"I am 24 years old, and I am looking for the best whole life insurance with the greatest cash value? Any ideas?"
Right now I have Security Mutual at a 50,000 life ins policy. By the time I am 30 yrs old, only $662 would be available to borrow against. I am suicidal and I have to think about my future in case I am not able to work again"


What is the average home owners insurance cost in Florida?
Located in the panhandle and am looking at a $125,000 home that is not a flood risk. Looking for a ballpark answer."


Can you buy/insure a car without a drivers license?
My bf and I are buying another car in November, which will be for my use when I get my full license (I currently only have my G1.) I would like to have it registered and insured in my name. Am I able to do this when I get the car or do I have to put it in his name and change it over when I get my full license? I live in Ontario. Thanks in advance."


What is a good car that is cheep and i won't have to pay a higher insurance?
researching a new car and with money so tight im looking for cheep...so what ever you guys can give that is cheep, and won't raise my insurance is great"


Where can I get a fair priced car insurance for a first time driver at the age of 17 and Male?
Just to clarify the speeding major, it was because a 40 sign was ahead so I approached it AT 40 when I was still in a 30 zone. So no, I wasn't driving dangerously I just got a little confused. As for the car, I would rather buy a new car and keep it for 3000 insurance, than buy a banger and change it after 2 years and still pay that 3000 insurance. And I don't have to drive no, but there is only so far a bicycle can get you and i'm already cycling 80+ miles weekly to work and college etc."


Car accident and insurance/how much in repairs?
I got into a minor car accident yesterday afternoon while I was parallel parking on Walnut Street in Philadelphia. I was backing up and I hit the curb. The front end of my vehicle was still sticking our quite a bit, so I pulled out a little bit so I could pull in the rest of the way. The person behind me thought that I was done parking so pulled around me and I ended up hitting her. Her fender and her door skin need to be replaced. Does anyone know around how much this would cost to repair? She had the police come so I am assuming that she wants the insurance company to cover the damage, however I would rather pay for it out of pocket. Obviously, my insurance company is going to find out about the accident, but after the insurance companies decide the breakdown of the fault, would I be able to pay for my part of the damages without my rates going up? Or at that point would it not matter, my rates are going up anyways? I ask this because I'm 19 years old and would prefer to not have my rates go up."


What happens if you just don't pay your car insurance?
Where I live you get car insured and they put a sticker on the plates with expiry date a year from now. But you still only pay once a month. What happens if you simply stop paying after one month? And just keep driving the car? I mean the sticker still says it doesn't expire for another year so cops wouldn't know, would they? Unless they pull you over of course. But assuming they don't? Is the insurance company gonna come to your house and take away license plates? What if you park your car away from your house? Are they gonna sue you? Or even take it to cops?"


What is the best insurance for new drivers?
I am 19 and I just got my driver's license (better late than never). I need car insurance asap and am looking for suggestions fo cheap insurance for new drivers


Good Insurance? Any Advice?
Hello, I am looking for a good, affordable insurance plan and don't know where to look for some good ratings or tips. I am married but the insurance would only be for me, my son has insurance already as well as my husband. It costs us way to much money to add me to my husbands insurance through work. Any tips on where to look and how to go about the search? I am looking to spend somewhere between $300-$500 monthly for it, I am in the United States. I also have some health issues. Endometriosis and Fibromyalsia. Any tips that would help me out would be so appreciated! Thank you to everyone!"


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I got pulled over and my insurance had expired.?
When I got pulled over the police officer did not take my license away but did give me a ticket and said I would have to appear in court. I appeared in court I showed proof of my insurance that I had renewed and I was issued a fine and I payed it before the due date. Now I am trying to get insurance again and it is saying my license shows up suspended. I do not understand how that is possible.


Home Insurance Factors?
What are the factors that determine whether or not an insurance company will insure your house? I am looking for factors that determine 'Yes' or 'No' such as: the home is located in a flood plain, so it is not insurable; and factors that determine the amount you have to pay, such as: fire alarm = 2% reduction in premium. deadbolt = 3% reduction. Tenants = 100% increase in premium. Every time I find an insurance company that offers online quotes, their server always rejects my application. Why? Which factor(s) is causing them to reject me? Please don't direct me to a site where I have to give them my real name, phone number and social insurance number, etc. and then wait for a salesman to call me back. I want to make a quick comparison between all the insurance companies in Ontario, Canada. If I have to phone them all, it will take weeks."


Are harleys cheaper to insure compared to a 600cc sportbike?
i am wondering about a 883 sportser nothing bigger


First Car.. Advice needed please?
What advice could you give me on choosing my first car? ive always wanted a Hyundai Coupe or an MR2, but i wouldnt get the insurance for it.. so i may have to settle for a corsa 1.2 or astra 1.6 any suggestions?"


"Discovered a lump, out on unemployment and without insurance- what to do?!?
My little brother (21) called me in a panic; he discovered a lump under the skin of his neck and is terrified its a tumor. He was laid off three months ago and doesn't have medical insurance. Is there anywhere in Riverside California that can check this for him for free or low cost- if only to put his mind at ease? I dont know what to tell him :-(


What are the consequences of driving without car insurance in florida?
What are the consequences of driving without car insurance in florida?


How much is car insurance?
iM 18 I FINISHED MY 30 HOURS OF CLASSROOM JUST WAITING FOR MY 6 HOURS BEHIND THE WHEEL IN DRIVERS ED.BUT I DONT KNOW MUCH ABOUT CARS.I WANT LIKE A SMALL CAR LIKE AROUND ATLEAST UNDER 5,000 DOLLARS FOR MY FIRST CAR."


I'm 20 and I crashed my dads camaro I'm not on the insurance but live in the same house it was my fault will the insurance cover to get the camaro fix it 2000 dollars of damage?
I live in nj


"In california, how much does it cost for driving without proof of insurance in the car with me?"
i have an insurance but for some reason, i misplaced it and didnt know it was not in my car. can i still bring my proof of insurance to the court to dismiss it?"


So confused over life insurance...?
Let me first be upfront, I know nothing about Life Insurance! My husband is active duty, we are are covered under the SGLI. We are always being told that we just must add some more life insurance... Anyway, I logged onto USAA and wanted a but it's way more complicated than I thought... I don't know if I need Term Life Insurance or Whole Life Insurance ... I don't understand this at all. Any help would be wonderful. Thanks!"


First Car?
I need an all around car and I need it to last through college. I am trying to head towards the Grand Am, or maybe a Cavalier."


"Should i buy earthquake insurance in Portland, Oregon ?"
Should i buy earthquark insurance in Portland, Oregon ? My house is built in 2005. Can't afford to lose it. It is said there will be a big earthquake 9.0 in Seattle, Portland area. Scared but better to believe. :) Your idea ? thanks."


Can my auto insurance go down?
I bought my first car 6 months ago, it's a BMW and since its my first car and it's a bmw, my insurance is $174 a month for 6 months. The lady actually hooked me up but I was wondering since I've had my car for since month with no accidents will they lower it?"


Health insurance?
I am current paying for health insurance for cover cali program but the thing is i cant afford it anymore i been paying it but I cant pay my other bills i have to pay and I don't qualify for medical is there anything i can do to get medical i make about 1700$/mo that i keep and from that i only stay with 130 free for me which goes for car gas the rest goes into bills


How much is approx. insurance costs for a 125cc road bike with 23 years L driver. Can any one plz ans me?
How much is approx. insurance costs for a 125cc road bike with 23 years L driver. Can any one plz ans me?


oklahoma insurance department bail bond division



If i bought a cheap non running car on craigslist do i need to get insurance on it?
if i bought like a $600 car on craigslist that is not running, And would like to work on it to make it run. Do i have to get insurance on it, or any kind of monthly fee, while i work on it to restore it."


"Libs, just answer this one thing...Where in the bill does it say insurance companies make insurance affordable?
?


Home owners insurance depreciation?
I had my roof replaced about a month ago. The ACV of the roof was around $8900. About $1500 was witheld due to depreciation. I have a friend that has his own company and did the total job for around $8500. I was written a check for the $8900 and was told that there was $1500 available in depreciated value once the roof was complete. I believe my friend cut"" me a good deal and I was going to use the other $1500 from depreciation in guttering that the insurance company keeps giving me the run-around on. I have total replacement insurance....it's called the Regal Policy with Oklahoma Farm Bureau. It's the most expensive they have. My agent says that the depreciated value is mine to use because I'm paying for it. The adjuster says...""no"


How much to lease a car (WITH insurance)?
How much is it to lease an economic car (in Canada please), with insurance calculated into the mix? I am willing to pay 4-500 altogether, is this enough? Practical examples from people who lease their car, with how much they pay, etc, would be most helpful. (I am a recent graduate at the verge of starting an entry-level position). I am looking into VW golf and honda civic (hatchback)."


Whats the cheapest car to run?
Cheapest tax, cheapest insurance, low petrol consumption, cheap car in the first place etc. Im currently driving a rover 25 1.4 and just want something a bit cheaper. (particuarly on tax!!)"


Why is my car insurance so high?
I've shopped all over the place. Lowest I've found so far is Geico -- they can give me the same coverage but with 500 deductibles for 130/month. Still not a huge improvement. I might have to get on the phone with somebody *shrugs*. I used to have a modified WRX, and back then 130+ made sense, but now that I'm driving a safe, slow (2.5) Jetta? Doesn't add up!"


Where can I get affordable healthcare?
I am a Iraqi war veteran with a serviced connected disability of 50%. I would like to find good health care for my wifea full time student"" that is affordable. I have done searches in places like www.eHealthInsurance.com and the insurance is either really expensive or it doesn't cover much which could make things expensive. Any suggestions would be great."""


How much is car ins. per month for teens?
I'm just asking for an approximate amount not an exact amount, thanks."


Need help with a question about car insurance quotes.?
Is it legal for someone else to get an insurance quote for you without your permission? The person called and told the insurance company they were cars he was thinking of buying. Neither car is in his name and neither owner gave express permission for him to ask for this information.


"I am driving from OK to TX tonight, and have active car insurance, but expired paper insurance, please help!?"
Okay, my car insurace is active, up to date, but I did not receive a paper copy of my insurance in the mail. I tried to print it out but my printer is jammed. I do have the expired proof of insurance in the car...if I get pulled over for any reason when driving from OK to TX, how much trouble will I get into? Thanks for any insight on this!"


My car insurance is to high! How can I lower it?
I'm 18 years old, I have been in no accidents. I have health insurance. My car is a buick 2002 century. I pay 400 and don't even have full coverage! I only work part time I don't have 400 dollars every month. Anything I can do?"


How much do you pay for insurance?
i have a school project :/ and am supposed to act like i am buying a smart car for $14000 but how much insurace am i supposed to bay monthly?


On average how much does it cost to insure an apartment building?
Little more info. Each apt has 2 bedrooms and 1 Bath, Have fire alarms in each that I will maintain. No swimming pools. Does have appliances furnished(all electric) and a washer dryer hook up. No previous fires or floods and not in a flood zone. As said they are both brick on a concrete slab and built in 1990. Hope that helps...Thanks"


Is it normal for a dealer to ask me to put car on my insurance before i purchase it?
I am trying to finance a car... the dealer said i can take it home today before I get approved for credit, I just have to put the car on my insurance. I have never heard of that. Is this some type of scam thing? Like what if the interest rate is outrageously high... am I stuck with the car or something? I live in Texas"


Need advice suing homeowners insurance?
In 2008 lightening strike hit house and since that time we hav had 6 water dameges in the house.Since that time all insurance companies NEVER real INVESTIGATE or find COUSE OF THAT, Finnaly again We have had BLACK SEPTIC WATER n the house 06/19/2012. 9 days after adjuster show and underastimate damages. month after that , after we constantly complain, ask for updated estimate and approval damages so that we hire contractor Property finaly has been inspected again and they find much more damages ( so far $83.000.00 ). House is damaged very much as well as our belongings. All that time from 2008-today insurance companys charged as with deductibles , we spend lot money trying to fix problems, we are darined emotionaly and financionaly. Last year , just after one similar claim ( 01/06/2011 black water flood ) we were FORCED to file for CH 13 that we can at least save what we can save, TODAY, Insurance company with who is house covered has not reacted We think fast enough to save more house and our belongings. Insurance is escaping to cover what need to be maybe replaced( wood entrance door through septic water was running , built in castum made cabinets in master beedroom, cut wall and replaced behind showertubs........) 9 days after that accident we finaly has Insurance attention and the send SERPRO here. Servpro find that water was SEPTIC, Walls need to be Cut ( so far 1 foot from the ground ). When Servpro cut draywalls ut shows that stabs 2x4 has been damaged , they spray them ( we think that they need to replace them )......... We are now in almost two months after accident becouse we do not agree on damages sattlemant. They serve us on 08.01.2012 with activating adjusster process and we do not have money any more to pay for that, OUR HOUSE DURING PAST 4 YEARS BECOUSE OF ALL THIS LOST LOT ON VALUE AND WE WOULD LIKE TO SUE INSURANCE COMPANIES AS WELL AS TWO LANDERS WHO WERE IGNORING PROBLEM IN THE HOUSE. WE HAVE PROOF FOR ALL THIS . IS ANYWHERE POOSIIBLE TO FIND ATORNEY WHO CAN HELP US LITTLE BIT WITH THIS BIG BROBLEM MY HOUSBAND IS 61 I AM 55 AND MY HOUSBAND IS THISE DAY WORKING OUTSIDE FOR AROUND 70 HOURS A WEEK THAT WE CAN PAY OUR RAISING EXPANSSESS. IT IS NOT RIGHT."


oklahoma insurance department bail bond division