To be in the world of business, it is imnrotapt to know a lot of fact and information. It can be an advantage later on because you may know the possible solution to your problem. As what you have mentioned business insurance is imnrotapt to protect the business in many aspects or situation that may come. There are types of business insurance that exists nowadays. It is also imnrotapt to know the specific policy of the possible insurance to know that it is suitable to your business. Yes, there are a lot of factors to consider not only yourself and your company but as well as the employees and other entities that is involve in your company. By the way, your explanation regarding the common types of business insurance is easy to understand and interesting that will definitely inform us. http://glotrc.com [url=http://lfsdlai.com]lfsdlai[/url] [link=http://wopcudolrya.com]wopcudolrya[/link]
almost four years ago
Sure, pay for the visit out of pocket, inestad of using insurance. The policyholder (your father) will get an explanation of benefits, showing the doctor charge. If you're NOT a dependent of your father, you should have your OWN coverage. As long as he's covering you and both of you are agreeing that you are his dependent (otherwise, you wouldn't be using HIS insurance!), he's entitled to this info. http://kfjnzqlkjqu.com [url=http://ktwcojnd.com]ktwcojnd[/url] [link=http://zavhoc.com]zavhoc[/link]
almost four years ago
No if you have insurance coergave that meets your home state's requirements, it won't cost you any more to take the trip for insurance. If you have an accident in another state, your insurance will automatically adjust for another state's higher limits or for no-fault coergave. For good coergave, though, you should carry at least 100/300/50 limits. Ask your agent about this.Even if your company doesn't usually write in all states, you're still covered. Just be sure to have the insurance ID card with you at all times, and be sure the license for anyone who might drive is current. Also, be sure your policy is paid up for at least the length of the trip.We did the same thing in the summer of 1988 a 31-day, 7000-mile trip out west, including several states where our regular company doesn't normally write insurance, and had no problems at all.Enjoy!
almost four years ago
adego,either you are an agent defending the prcdouts that you love because they give you the highest commission or you have this product and you are trying to self convince that you were not conned.I notice your arguments stray from facts to fantasy. Perhaps I should put this product in perspective.First to answer why this product is still around?1.this product has been aggressively sold for decades because it is most profitable for both agents and the company. Consumers have been so mentally conditioned that when they think of insurance they think of WLs. Consumers are clueless and so are many agents.In the past WLs gave 'decent yield' because of many factors, like low cost of operation, lower salary for the ceos, and senior management and of course the bond yield was high and the cost of mortality was low.. These factors determine and have great impact on the value of protection and return.Consumer prcdouts like electrical appliances and others , the cost gets lower and lower over time because of new development, discoveries and new methods of manufacturing.Can you say of insurance prcdouts like WL?Return of the WL prcdouts is inverse to cost. Protection value is also inverse to return. Has there been any discovery or innovation that brought the cost down? Or had the bond yield gone higher or the equity or other assets return got any better? Has productivity of human capital returned better yeild? NO, cost gone up, investment gone lower. Take a product you bought many years ago and compare to the present prcdouts. Look at the cost of insurance(in the premium), the protection value per dollar premium and the return, the break even, you can see the prcdouts are very poor in term of protection and return(projected 3% after 35 years) Most people buy WL for both protection and return, right? If it is either one , WL is DEFINITELYa wrong product to use and so if is for return. If it is for both it is worser. You are short changed in both areas.More importantly WL deprives you of adequate coverage because it is expensive that you can't afford to address your needs FULLY. THis is insurance.!!!If you think you don't need to be fully covered I suggest that you don't even buy it at all.You only put yourself and your family at risk.Another point to make..WL is inferior to regular ILPs(aka variable WL).(Space constraint I can't elaborate the differences.) But BOTH WL AND VARIABLE WL ARE SUCKS.They are rip off at your expense. The best approach to addressing your needs is to separate your protection and investment. Actuaries won't admit it openly. Because actuaries are in this business they have to be mumb, non disclosure , non truthfulbut the truth today it is VERY DIFFICULT to justify the use of WL to address needs.There used to be one last use of WL but when estate duty was repealed it was the last nail to the coffin of WL.Maybe I give you one assignment to research.Find out "Why insurance companies are afraid of Life Settlement Trading"? Maybe you will find some shocking evidences of many things the insurers didn't want to let you know.For the moment I hope I have convinced you why WL sucks. If you look at today's prcdouts, eg. like vivolife you can see the insurance companies are desperately trying to hide the rotten return and protection with 'red herrings' to distract you. In fact it is not uncommon that the unethical salespeople use the 'red herrings' to misrepresent the product. We are NOT haters of WL. WE don't have conflict of interest. Education is our objective.WL prcdouts have lost all its uses. And it is due to the greed of the agents and the companies and the ignorance of consumers that WL is still around.To gratify their greed today insurance agents or consultants are stooping to unethical means to con the consumers resulting in money no enough or protection no enough. This fact is borne out by MAS statistics that even after centuries of insurance selling by the "noble insurance agents" people are still grossly under insured and unable to retire. MAS found out that it has been due CONFLICT OF INTEREST.The deputy MD of MAS in his address to LIA urged that this must be changed and the commission must be replaced by fairer way of remuneration to avoid conflcit of interest.. Averagely people with small family need at least $500K to address dependent replacement income but unfortunately they have about $100K only. (MAS's statistics)I rest my case.
over four years ago
The previous annmyoous is refering to an ILP. Yes ILP do eat your cash value a lot upon 60 years+ if you have a high sum assured. For these reason, some people will sell away the units to realise the profit or reduce to the minimum sum assured.But for whole life, it doesnt really matter as everything was taken into consideration into the premiums you paid regularly.