| Posts by Insurance Expert |
| Posting date
| Subject
|
| Posted: Thu May 6 2:57:04 2010 |
Max,
I assume that you are not investment .. |
| Posted: Sun Apr 4 7:34:43 2010 |
This could also be done with realistic .. |
| Posted: Sat Apr 3 10:36:07 2010 |
Die quickly and it will be a great .. |
| Posted: Thu Apr 1 18:50:13 2010 |
I think that WL is better sometimes. I think .. |
| Posted: Thu Apr 1 18:42:00 2010 |
Sorry, but there is nothing complicated about .. |
| Posted: Mon Mar 29 3:51:46 2010 |
The problem could be that UL products are .. |
| Posted: Sun Mar 28 16:42:22 2010 |
You can't cancel it because you are not the .. |
| Posted: Fri Mar 26 10:28:41 2010 |
It's not done as a bait and switch. Although, I .. |
| Posted: Fri Mar 26 7:52:15 2010 |
Hundreds of dollars of fines is much less than .. |
| Posted: Fri Mar 26 7:50:27 2010 |
Max, since she is saying that it is SGLI and she .. |
| Posted: Thu Mar 25 3:18:49 2010 |
No. However, there may be contractual .. |
| Posted: Thu Mar 25 3:11:03 2010 |
It makes sense that suicide would not be excluded .. |
| Posted: Sat Mar 20 0:54:48 2010 |
Money to pay for care is the necessity and not .. |
| Posted: Fri Mar 19 12:32:52 2010 |
The fact that he is non related doesn't .. |
| Posted: Fri Mar 19 12:30:14 2010 |
The fact that she received life insurance is .. |
| Posted: Fri Mar 19 8:17:38 2010 |
The thing to always keep in mind with disability .. |
| Posted: Thu Mar 18 13:34:39 2010 |
The answer for the OP is "yes". This .. |
| Posted: Tue Mar 16 17:28:15 2010 |
Individual Disability coverage won't, but .. |
| Posted: Tue Mar 16 14:45:39 2010 |
You don't need it. You'll be dead. Your wife .. |
| Posted: Sun Mar 14 16:51:10 2010 |
Short term does impact people, but it doesn't .. |
| Posted: Sun Mar 14 16:48:35 2010 |
Saw, Your father didn't name you, so you don't .. |
| Posted: Sat Mar 13 12:17:36 2010 |
Taxes are owed if someone gives away more than .. |
| Posted: Wed Mar 10 18:13:19 2010 |
The policies in which the definition changes are .. |
| Posted: Wed Mar 3 2:54:57 2010 |
You are the one here whining about this and not .. |
| Posted: Thu Feb 25 11:43:56 2010 |
Steve, you sound awfully wussy. Let's see if I .. |
| Posted: Wed Feb 17 14:09:37 2010 |
Since retirement is bound to happen, should we .. |
| Posted: Mon Feb 15 14:21:46 2010 |
Lori, that's interesting that you would never buy .. |
| Posted: Sat Feb 13 7:11:27 2010 |
BNTRS, I don't have any doubt that you have an .. |
| Posted: Fri Feb 12 13:40:19 2010 |
I have no problem with indexed annuities for a .. |
| Posted: Fri Feb 12 9:23:35 2010 |
We're both using hind sight. It's just that only .. |
| Posted: Fri Feb 12 7:24:31 2010 |
Gary, it appears as if you did exactly what I am .. |
| Posted: Fri Feb 12 6:49:51 2010 |
No. All of the guarantees aren't removed. UL .. |
| Posted: Fri Feb 12 5:06:36 2010 |
Gary, why didn't you just put her in a CD for .. |
| Posted: Fri Feb 12 4:00:25 2010 |
...alternatively, these are basically what a .. |
| Posted: Fri Feb 12 3:58:48 2010 |
It's not being guaranteed for 80 years. It's .. |
| Posted: Thu Feb 11 7:04:23 2010 |
Max, I understood exactly what you wrote. If .. |
| Posted: Thu Feb 11 6:58:13 2010 |
Great post, Dgoldenz.
UL with a secondary .. |
| Posted: Wed Feb 10 3:06:13 2010 |
A secondary guarantee is a promise by the .. |
| Posted: Wed Feb 10 3:01:03 2010 |
Max, if I'm not mistaken, it may be only .. |
| Posted: Wed Feb 10 2:55:53 2010 |
Steven, why is an immediate VA more secure than .. |
| Posted: Sun Feb 7 17:28:35 2010 |
Either way, it makes sense that they wouldn't .. |
| Posted: Sun Feb 7 17:22:56 2010 |
Please explain. I've certainly done this .. |
| Posted: Sun Feb 7 13:46:27 2010 |
You can disclaim the payment. If you do that, .. |
| Posted: Sun Feb 7 13:44:35 2010 |
BNTRS, I don't know enough about the Heath Ledger .. |
| Posted: Tue Feb 2 15:23:58 2010 |
A couple of small points...
1)Like InsTeacher, .. |
| Posted: Mon Feb 1 18:27:46 2010 |
Don't do it yourself. For the amount of money .. |
| Posted: Mon Feb 1 16:08:49 2010 |
The money is going to go to the children unless .. |
| Posted: Mon Feb 1 14:41:00 2010 |
You are correct about this as it pertains to .. |
| Posted: Mon Feb 1 14:37:33 2010 |
Annuitizing a variable annuity is very different .. |
| Posted: Mon Feb 1 14:33:08 2010 |
Your dad may have told you that you were supposed .. |
| Posted: Sun Jan 31 14:59:49 2010 |
dgoldenz, makes perfect sense. Thanks for the .. |
| Posted: Sat Jan 30 16:24:59 2010 |
The simplest ways are often the best.
1) Look at .. |
| Posted: Wed Jan 27 19:26:32 2010 |
a couple of follow up points...
InsTeacher, .. |
| Posted: Wed Jan 27 17:02:48 2010 |
anonymous00, it is not accurate that non-tax .. |
| Posted: Wed Jan 27 12:40:22 2010 |
Good luck finding a B/D that will give you what .. |
| Posted: Tue Jan 26 16:40:39 2010 |
Are you the insured
Are you now the owner
Are .. |
| Posted: Tue Jan 26 12:00:24 2010 |
What you are asking about does exist. (I'm .. |
| Posted: Tue Jan 26 11:37:37 2010 |
Lori2, your use of language is making it .. |
| Posted: Tue Jan 26 3:26:18 2010 |
This is very .. |
| Posted: Mon Jan 25 17:19:49 2010 |
If you want to make the payments but are simply .. |
| Posted: Mon Jan 25 12:17:37 2010 |
Ketie, people often say that benefits under a .. |
| Posted: Mon Jan 25 12:14:21 2010 |
Estate planning is nothing more than planning for .. |
| Posted: Sun Jan 24 17:13:39 2010 |
It's an interesting subject. Because my B/D is .. |
| Posted: Sun Jan 24 6:53:31 2010 |
dgoldenz, I don't understand what you are saying. .. |
| Posted: Sun Jan 24 4:44:07 2010 |
"Investment" can't be used in .. |
| Posted: Sun Jan 24 4:34:00 2010 |
BNTRS, sorry that I didn't see your question to .. |
| Posted: Sat Jan 23 13:04:41 2010 |
It shouldn't take 2 months for the lawyer. The .. |
| Posted: Fri Jan 22 14:20:03 2010 |
Devil's adocate is a great way to learn and to .. |
| Posted: Fri Jan 22 14:18:49 2010 |
I disagree with this. The reason is that an .. |
| Posted: Fri Jan 22 6:31:22 2010 |
Again, I guess that this is possible, but .. |
| Posted: Thu Jan 21 13:20:01 2010 |
Good fix! .. |
| Posted: Thu Jan 21 9:34:18 2010 |
denardo1, I really can't claim any expertise in .. |
| Posted: Thu Jan 21 8:18:37 2010 |
BNTRS, it does not make sense to use a 2nd to die .. |
| Posted: Thu Jan 21 7:29:27 2010 |
This is a hard question to answer because you are .. |
| Posted: Wed Jan 20 10:30:00 2010 |
For the record, for a while, I was posting as .. |
| Posted: Wed Jan 20 10:17:17 2010 |
Hopefully, Gary hasn't made a comeback and we .. |
| Posted: Wed Jan 20 10:04:15 2010 |
Bee, usually, if there is no named beneficiary, .. |
| Posted: Wed Jan 20 9:50:37 2010 |
It might make sense, but we don't have enough .. |
| Posted: Tue Sep 29 18:23:22 2009 |
401(k)s don't apply. I'm strictly talking .. |
| Posted: Tue Sep 29 18:15:18 2009 |
Do you understand annually renewable term .. |
| Posted: Sun Sep 27 10:36:12 2009 |
Ex. SDchargerfan is the owner. Her son is the .. |
| Posted: Sat Sep 26 15:01:25 2009 |
It's not uncommon at all for the owner and the .. |
| Posted: Fri Sep 25 16:48:41 2009 |
It's probably pretty stupid to cancel the policy .. |
| Posted: Fri Sep 25 16:45:18 2009 |
AnMarie, I don't understand your last post. You .. |
| Posted: Fri Sep 25 5:57:36 2009 |
I would challenge you to think about this .. |
| Posted: Thu Sep 24 18:03:55 2009 |
The mother was capable of making decisions. .. |
| Posted: Thu Sep 24 17:56:53 2009 |
DON'T CASH OUT!!!!
It might make sense to do .. |
| Posted: Mon Sep 21 12:09:52 2009 |
Ok. Here's an example. Jim invests $200,000 for .. |
| Posted: Sun Sep 20 7:57:07 2009 |
Yes, the primary beneficiary will have to send .. |
| Posted: Sat Sep 19 12:08:39 2009 |
There seems to be one overriding reason for .. |
| Posted: Sat Sep 19 12:01:33 2009 |
Did you look at the expenses of the variable .. |
| Posted: Sat Sep 19 11:59:48 2009 |
The beneficiary can disclaim the benefit. It's .. |
| Posted: Thu Sep 17 16:57:42 2009 |
NeedHelp, come back because this could be .. |
| Posted: Thu Sep 17 14:31:13 2009 |
It has very little to do with the age of the .. |
| Posted: Wed Sep 16 14:15:26 2009 |
A variable annuity is not an appropriate .. |
| Posted: Mon Sep 14 17:05:49 2009 |
Yes, the premiums will be taxed as income. The .. |
| Posted: Mon Sep 14 17:00:40 2009 |
They aren't trying to scare her. Income taxes .. |
| Posted: Mon Sep 14 16:49:36 2009 |
Shoot. My post disappeared. A policy will never .. |
| Posted: Sun Sep 13 13:05:25 2009 |
The language of the beneficiary designation .. |
| Posted: Sat Sep 12 17:31:38 2009 |
Stolen from the Social Security Website:
.. |
| Posted: Sat Sep 12 14:20:44 2009 |
If she answers the questions honestly, she will .. |
| Posted: Sat Sep 12 12:45:42 2009 |
Marpol, that's an interesting post since you .. |
| Posted: Sat Sep 12 11:42:27 2009 |
That's not necessarily correct. Group LTD is .. |
| Posted: Sat Sep 12 11:39:29 2009 |
Pocketchange, you do have a motive. Nothing is .. |
| Posted: Wed Sep 9 17:56:47 2009 |
The contractual terms are simply different. I .. |
| Posted: Tue Sep 8 16:58:17 2009 |
In general, the answer is "no". They .. |
| Posted: Mon Sep 7 9:08:54 2009 |
Guest, any one can get a disability. What .. |
| Posted: Mon Sep 7 8:54:43 2009 |
Type of insurance should never be the first step. .. |
| Posted: Mon Sep 7 8:53:07 2009 |
Did you try asking him
It seems like a good .. |
| Posted: Mon Sep 7 8:50:19 2009 |
With most policies, she would be covered .. |
| Posted: Sun Sep 6 10:01:21 2009 |
Gary, since all caps bolded letters aren't .. |
| Posted: Thu Sep 3 21:58:00 2009 |
As long as their is an absolute assignment on the .. |
| Posted: Thu Sep 3 21:01:27 2009 |
danpa, answer his questions if you want help. .. |
| Posted: Thu Sep 3 18:37:00 2009 |
It's not just the hoops of becoming registered. .. |
| Posted: Thu Sep 3 18:33:53 2009 |
If you have a term policy and you die while the .. |
| Posted: Thu Sep 3 5:12:37 2009 |
Gary, I asked this before inside of a thread, but .. |
| Posted: Wed Sep 2 4:49:20 2009 |
An insurance company will only sell a policy if .. |
| Posted: Wed Sep 2 4:46:54 2009 |
No taxes will be withheld. If your share is .. |
| Posted: Sun Aug 30 15:50:33 2009 |
They would sell it to her because they think that .. |
| Posted: Sun Aug 30 6:09:29 2009 |
It's not that the irrevocable beneficiary will .. |
| Posted: Sat Aug 29 17:14:59 2009 |
The answer to the original question is .. |
| Posted: Sat Aug 29 10:23:50 2009 |
Just keep in mind that employer backed coverage .. |
| Posted: Sat Aug 29 8:00:32 2009 |
SDCharger,
Why would you possibly want the .. |
| Posted: Sat Aug 29 7:58:22 2009 |
Lori is correct. The insurance company will .. |
| Posted: Sat Aug 29 7:56:52 2009 |
Vickylyn, you won't be able to find out unless he .. |
| Posted: Sat Aug 29 7:52:19 2009 |
The only point to my original post in this .. |
| Posted: Sat Aug 29 7:45:04 2009 |
You are very close to being correct. The .. |
| Posted: Fri Aug 28 3:59:19 2009 |
To keep this very simple:
1)Many policies have .. |
| Posted: Fri Aug 28 3:58:12 2009 |
The point made in this thread is simply that .. |
| Posted: Fri Aug 28 3:28:25 2009 |
This thread was started precisely because I .. |
| Posted: Wed Aug 26 17:51:52 2009 |
Lori, smoke and mirrors is usually used to .. |
| Posted: Tue Aug 25 18:59:32 2009 |
There isn't a Florida Law that stops .. |
| Posted: Tue Aug 25 18:55:16 2009 |
Gary, please don't tell me that you are .. |
| Posted: Sat Aug 22 10:21:55 2009 |
Maybe you just don't understand Insurance .. |
| Posted: Thu Aug 20 12:16:34 2009 |
One of the issues is that because it is one year .. |
| Posted: Thu Aug 20 11:23:00 2009 |
Just for fun, I'll keep doing this with you. .. |
| Posted: Thu Aug 20 11:14:05 2009 |
I have confirmation. If the owner died, and a .. |
| Posted: Thu Aug 20 7:23:02 2009 |
Ok, thanks, so your understanding is the same as .. |
| Posted: Thu Aug 20 7:21:32 2009 |
Ok, thanks, so your understanding is the same as .. |
| Posted: Thu Aug 20 6:50:32 2009 |
Gary, that's a good tact that you are taking. .. |
| Posted: Wed Aug 19 18:04:31 2009 |
Wow, that's some real shoddy life insurance .. |
| Posted: Wed Aug 19 18:02:24 2009 |
Why How is this determined
Is this because in .. |
| Posted: Wed Aug 19 15:59:38 2009 |
When you go online, you are most likely dealing .. |
| Posted: Wed Aug 19 15:57:49 2009 |
Mark, what do you mean by your last statement .. |
| Posted: Wed Aug 19 15:53:15 2009 |
Mark, do you know the answer to my .. |
| Posted: Wed Aug 19 15:07:29 2009 |
The insurance company won't give you a copy .. |
| Posted: Wed Aug 19 13:08:00 2009 |
Assuming that everything that you said in .. |
| Posted: Wed Aug 19 6:51:03 2009 |
To make it easy, I will summarize Gary's .. |
| Posted: Tue Aug 18 20:38:09 2009 |
Since here he said that it is mostly land, I'm .. |
| Posted: Tue Aug 18 20:17:52 2009 |
I answered the question differently here than on .. |
| Posted: Tue Aug 18 20:16:10 2009 |
I am a beneficiary of an irrevocable trust. It is .. |
| Posted: Tue Aug 18 19:30:20 2009 |
Does anybody care financially if you die today .. |
| Posted: Tue Aug 18 14:02:53 2009 |
Nope. .. |
| Posted: Tue Aug 18 13:12:04 2009 |
The Lloyd's policy can't be legal in the .. |
| Posted: Tue Aug 18 13:06:17 2009 |
I'm sure that it's done plenty of times in an .. |
| Posted: Tue Aug 18 12:22:13 2009 |
P.S. It's nice to be in a coversation with people .. |
| Posted: Tue Aug 18 12:21:16 2009 |
InsInvestigator,
My comments had nothing to do .. |
| Posted: Tue Aug 18 10:50:36 2009 |
By the way for those reading this, they probably .. |
| Posted: Tue Aug 18 10:49:27 2009 |
Petersen's should have been my guess. They are .. |
| Posted: Tue Aug 18 10:16:23 2009 |
By the way, regardless of whether it is allowed, .. |
| Posted: Tue Aug 18 10:14:02 2009 |
InsuranceInvestigator, I don't have the expertise .. |
| Posted: Tue Aug 18 5:14:37 2009 |
What does it mean to be disabled
Is an .. |
| Posted: Tue Aug 18 3:57:12 2009 |
Gary, I'm trying to figure out if you just aren't .. |
| Posted: Tue Aug 18 3:44:46 2009 |
I'm curious as to what you will do if EIAs become .. |
| Posted: Tue Aug 18 3:27:17 2009 |
Gary, I've never posted on Kiplinger's. I didn't .. |
| Posted: Tue Aug 18 3:23:50 2009 |
Gary, It's illegal to eat cake and ice cream at .. |
| Posted: Mon Aug 17 21:41:43 2009 |
Disability insurance is contractually driven. .. |
| Posted: Mon Aug 17 19:04:15 2009 |
No. When you see a quote on T.V., it's almost .. |
| Posted: Mon Aug 17 19:01:21 2009 |
Every situation is different. In most cases, .. |
| Posted: Mon Aug 17 18:58:17 2009 |
2)
That's not what I mean. That has to do .. |
| Posted: Mon Aug 17 18:44:08 2009 |
The quote isn't coming from the person who gets .. |
| Posted: Mon Aug 17 12:48:53 2009 |
The "so what" is huge. First of .. |
| Posted: Mon Aug 17 12:40:26 2009 |
denardo, you're assumption is not correct. .. |
| Posted: Mon Aug 17 5:24:08 2009 |
Don't tell the insurance company anything. It's .. |
| Posted: Mon Aug 17 3:51:01 2009 |
Websites will help you get the least expensive .. |
| Posted: Sat Aug 15 8:20:16 2009 |
Gary, to you, it's a game. The rest of us .. |
| Posted: Sat Aug 15 8:18:38 2009 |
Look at his check .. |
| Posted: Sat Aug 15 3:43:10 2009 |
Gary, of course you will just link to something .. |
| Posted: Thu Aug 13 19:42:26 2009 |
As long as the policy is in force, you are in the .. |
| Posted: Thu Aug 13 17:45:33 2009 |
What do you mean by, "that my father had on .. |
| Posted: Thu Aug 13 6:31:37 2009 |
Moderators, please do the right thing and remove .. |
| Posted: Thu Aug 13 6:24:23 2009 |
(I'm using the wrong name for the Chase employee .. |
| Posted: Thu Aug 13 4:15:24 2009 |
I'm not trying to pick on you. I just want .. |
| Posted: Thu Aug 13 4:04:59 2009 |
I've been using the term "default", .. |
| Posted: Thu Aug 13 3:52:09 2009 |
Gary,
So what Lot's of things will beat .. |
| Posted: Wed Aug 12 17:07:51 2009 |
If it was a blank claim form, it wouldn't have .. |
| Posted: Wed Aug 12 3:35:21 2009 |
mswatson27, just because it was an account .. |
| Posted: Wed Aug 12 3:30:33 2009 |
mswatson, haven't we just spent a lot of time .. |
| Posted: Tue Aug 11 14:09:48 2009 |
Thanks. If you would have quoted a little .. |
| Posted: Tue Aug 11 12:35:22 2009 |
There's a couple of issue here. 1) Many* .. |
| Posted: Tue Aug 11 12:26:00 2009 |
Everybody seems to be in agreement with this .. |
| Posted: Tue Aug 11 9:31:11 2009 |
mkortz, that's a very different subject. In the .. |
| Posted: Tue Aug 11 8:01:08 2009 |
mswatson27, since you did probate law that is .. |
| Posted: Tue Aug 11 7:00:03 2009 |
Gary, you are correct that the insurance .. |
| Posted: Tue Aug 11 6:51:39 2009 |
Gary, why do you keep quoting 222.13 It has no .. |
| Posted: Tue Aug 11 6:35:01 2009 |
Gary, Congratulations. If you are only willing .. |
| Posted: Tue Aug 11 6:00:06 2009 |
Nothing happens if the couple doesn't take the .. |
| Posted: Tue Aug 11 5:59:09 2009 |
Gary, can you translate this into English What .. |
| Posted: Tue Aug 11 4:30:11 2009 |
You are not off base. It's just that .. |
| Posted: Mon Aug 10 5:50:44 2009 |
SDCharger, you are not able to insure anyone you .. |
| Posted: Mon Aug 10 5:26:12 2009 |
sdchargersfan, you'll overpay by using that .. |
| Posted: Sun Aug 9 3:39:33 2009 |
SDCharger, the threads to which you are referring .. |
| Posted: Sat Aug 8 18:03:33 2009 |
My guess is that 30% of life insurance policies .. |
| Posted: Sat Aug 8 18:00:09 2009 |
Lori, great post.
This thread started because .. |
| Posted: Fri Aug 7 9:39:59 2009 |
To age 65 is what I usually do. However, this .. |
| Posted: Fri Aug 7 7:08:32 2009 |
Thanks, but the analogy doesn't work. It does .. |
| Posted: Fri Aug 7 7:03:24 2009 |
The only way that I can think of that would make .. |
| Posted: Fri Aug 7 6:55:27 2009 |
I don't know about the legalities. However, .. |
| Posted: Fri Aug 7 6:51:47 2009 |
It's immediate. As soon as they receive the .. |
| Posted: Thu Aug 6 5:15:40 2009 |
Gary, if there is no beneficiary and the owner .. |
| Posted: Thu Aug 6 2:44:46 2009 |
The switchboard operator won't hang up on .. |
| Posted: Thu Aug 6 2:37:39 2009 |
Gary, I guess that you are one of those people .. |
| Posted: Thu Aug 6 2:22:36 2009 |
What does this .. |
| Posted: Wed Aug 5 14:13:32 2009 |
Why are you assuming that everyone .. |
| Posted: Tue Aug 4 9:18:21 2009 |
The policy is not paid up. A paid up policy no .. |
| Posted: Tue Aug 4 7:36:20 2009 |
What is .. |
| Posted: Tue Aug 4 7:26:12 2009 |
jodygal, your post is making no sense to me. How .. |
| Posted: Tue Aug 4 6:34:59 2009 |
Goldenzweig is absolutely correct on this. The .. |
| Posted: Tue Aug 4 4:27:22 2009 |
Darnardo,
Ok, since you aren't going to .. |
| Posted: Tue Aug 4 4:20:30 2009 |
What makes VUL risky isn't just the .. |
| Posted: Mon Aug 3 18:58:29 2009 |
VUL sales are way down.
Nothing has changed in .. |
| Posted: Mon Aug 3 18:51:47 2009 |
It's a definitive no. I'm very familiar with the .. |
| Posted: Sun Aug 2 13:56:32 2009 |
You have thus far completely failed to .. |
| Posted: Sun Aug 2 13:15:27 2009 |
Gary, I'm disappointed in your reading .. |
| Posted: Sun Aug 2 6:46:35 2009 |
There is typically lots of paperwork to sign when .. |
| Posted: Sat Aug 1 18:13:46 2009 |
sdchargersfan, take a look at your actual policy. .. |
| Posted: Sat Aug 1 7:17:26 2009 |
It really sounds like a gray area that is need of .. |
| Posted: Fri Jul 31 22:43:20 2009 |
Thanks for backing me up, Melanie. It's not too .. |
| Posted: Fri Jul 31 6:47:53 2009 |
Gary, you are asking me to prove a negative. .. |
| Posted: Fri Jul 31 6:10:49 2009 |
I don't know how you would get these papers or if .. |
| Posted: Fri Jul 31 5:58:55 2009 |
If she was listed as the beneficiary, MetLife .. |
| Posted: Fri Jul 31 5:56:59 2009 |
Why would it be a losing proposition for the .. |
| Posted: Fri Jul 31 5:46:23 2009 |
Absolutely, but in this case, a good agent .. |
| Posted: Fri Jul 31 5:07:04 2009 |
That's part of what I'm claiming. My claim .. |
| Posted: Fri Jul 31 4:58:46 2009 |
In this discussion, what is more common is .. |
| Posted: Fri Jul 31 4:44:58 2009 |
You make a very good point. Let's assume .. |
| Posted: Fri Jul 31 4:25:52 2009 |
froglike, they can't contest it. They have no .. |
| Posted: Fri Jul 31 4:18:17 2009 |
I think that you need to talk to an attorney and .. |
| Posted: Thu Jul 30 18:22:58 2009 |
GrievingSon,
It sounds like your dad screwed .. |
| Posted: Thu Jul 30 18:12:19 2009 |
Correct. It's this technical point that .. |
| Posted: Thu Jul 30 18:08:50 2009 |
Ex. John is the owner on the policy for .. |
| Posted: Thu Jul 30 18:03:30 2009 |
Ex. John and Mary are married. John is the .. |
| Posted: Thu Jul 30 17:59:15 2009 |
Gary, the majority of policies have the owner and .. |
| Posted: Thu Jul 30 10:06:27 2009 |
If you have irate customers, why do you want them .. |
| Posted: Thu Jul 30 9:57:31 2009 |
This is language from a Florida application from .. |
| Posted: Thu Jul 30 9:39:36 2009 |
Whole life insurance can be a great thing. It is .. |
| Posted: Wed Jul 29 20:54:50 2009 |
There have been quite a few posts with this .. |
| Posted: Wed Jul 29 20:47:38 2009 |
I would think that there would be often a 1099 .. |
| Posted: Wed Jul 29 5:18:52 2009 |
lorrie22, may I respectfully suggest that you .. |
| Posted: Tue Jul 28 17:54:55 2009 |
If he lives for 24 months and then dies, the life .. |
| Posted: Mon Jul 27 11:29:03 2009 |
There's no truth to that.
Also, don't .. |
| Posted: Mon Jul 27 8:58:09 2009 |
Can you back this up Typically, if there is .. |
| Posted: Mon Jul 27 8:52:41 2009 |
Sorry, but I know that the beneficiary is me. .. |
| Posted: Fri Jul 24 3:45:42 2009 |
DV360, are they claiming the insurance benefits .. |
| Posted: Thu Jul 23 4:03:31 2009 |
Just to be clear, when I talk about "own .. |
| Posted: Thu Jul 23 3:53:23 2009 |
An insurance company doesn't care about .. |
| Posted: Wed Jul 22 6:32:58 2009 |
This has very little to do with "friends, .. |
| Posted: Wed Jul 22 3:17:59 2009 |
Make sure that you get answers from people who .. |
| Posted: Tue Jul 21 12:54:38 2009 |
abc123, there is a whole bunch of irrelevant .. |
| Posted: Tue Jul 21 11:03:02 2009 |
Yes.
Ex. Mr. Jones dies with a .. |
| Posted: Sun Jul 19 12:06:54 2009 |
Ginna, the question can't possibly be answered .. |
| Posted: Sat Jul 18 12:02:25 2009 |
Often, insurance is purchased to protect one's .. |
| Posted: Sat Jul 18 11:59:10 2009 |
If there isn't a claim, how will they know that .. |
| Posted: Sat Jul 18 5:12:18 2009 |
The MIB does have a large database. I'm not sure .. |
| Posted: Sat Jul 18 5:09:12 2009 |
Incorrect. There is really nothing .. |
| Posted: Fri Jul 17 13:02:09 2009 |
I think that the majority of policies are .. |
| Posted: Fri Jul 17 12:13:55 2009 |
Lori, I wasn't trying to correct you. I was .. |
| Posted: Fri Jul 17 12:04:40 2009 |
Typically, it's not possible to not name a .. |
| Posted: Fri Jul 17 5:25:34 2009 |
It depends on the specifics of the .. |
| Posted: Fri Jul 17 5:24:27 2009 |
I don't recall seeing a policy with this .. |
| Posted: Fri Jul 17 3:14:41 2009 |
Design360, please don't guess at answers and then .. |
| Posted: Thu Jul 16 13:35:42 2009 |
Aaron, I'd like to buy a policy from a senior. .. |
| Posted: Thu Jul 16 13:20:07 2009 |
Nope. It's irrelevant and the owner of the .. |
| Posted: Thu Jul 16 13:17:35 2009 |
An "independent agent" is working as a .. |
| Posted: Thu Jul 16 11:39:54 2009 |
Michael, oops, I mean person who isn’t .. |
| Posted: Thu Jul 16 11:11:12 2009 |
I would be much more concerned with this .. |
| Posted: Thu Jul 16 11:06:21 2009 |
Yes, the person can apply. It's just that the .. |
| Posted: Wed Jul 15 3:33:32 2009 |
One won't lose their insurance when they go to .. |
| Posted: Tue Jul 14 11:06:59 2009 |
Jail is not a safe place. People who are in jail .. |
| Posted: Tue Jul 14 4:01:47 2009 |
It took guts on your part to come back after all .. |
| Posted: Tue Jul 14 3:10:48 2009 |
I find it very interesting that Michael .. |
| Posted: Mon Jul 13 9:23:46 2009 |
When did find your policy start
How many paying .. |
| Posted: Mon Jul 13 9:19:47 2009 |
Michael, let me give you a gigantic !
I .. |
| Posted: Mon Jul 13 8:56:21 2009 |
"Is the company incorporated" I see .. |
| Posted: Mon Jul 13 8:31:30 2009 |
Michael, it is this kind of post that causes you .. |
| Posted: Mon Jul 13 4:54:40 2009 |
Rupert, help me to understand something from the .. |
| Posted: Sun Jul 12 11:37:04 2009 |
Hurray for you, SDChargers! I never noticed this .. |
| Posted: Sun Jul 12 11:26:35 2009 |
I never saw it. I greatly apologize for this .. |
| Posted: Sun Jul 12 11:24:19 2009 |
The conclusion that I am being forced to draw is .. |
| Posted: Sat Jul 11 18:33:55 2009 |
Actually, you said to go to your site and look at .. |
| Posted: Sat Jul 11 18:04:38 2009 |
That agent was a fool. He should have put the .. |
| Posted: Sat Jul 11 17:55:58 2009 |
That's not a good sign when your friend .. |
| Posted: Sat Jul 11 17:49:57 2009 |
Michael, we tried addressing the negative issues .. |
| Posted: Sat Jul 11 12:30:52 2009 |
I assume that your son doesn't know that he .. |
| Posted: Sat Jul 11 12:24:14 2009 |
We've discussed the issue of Find Your Policy in .. |
| Posted: Fri Jul 10 18:55:20 2009 |
I apologize for what I'm about to do. It's .. |
| Posted: Fri Jul 10 4:23:49 2009 |
That stat might be very true, but that's not .. |
| Posted: Fri Jul 10 4:13:33 2009 |
A 58 year old can buy life .. |
| Posted: Thu Jul 9 18:42:28 2009 |
It's tough to answer generic questions .. |
| Posted: Thu Jul 9 18:39:06 2009 |
Are you sure that you would want it done on a .. |
| Posted: Thu Jul 9 4:11:12 2009 |
Yes, you can file a claim. The fact that it's .. |
| Posted: Thu Jul 9 4:06:39 2009 |
If you had coverage, you can file a claim. In .. |
| Posted: Thu Jul 9 4:01:40 2009 |
Insurance always needs to be purchased outside of .. |
| Posted: Thu Jul 9 3:50:15 2009 |
The answer to the question is "yes". .. |
| Posted: Thu Jul 9 3:39:00 2009 |
In this case, it isn't a highly technical .. |
| Posted: Wed Jul 8 19:10:49 2009 |
Insurance novice, the issue isn't whether he will .. |
| Posted: Wed Jul 8 4:09:12 2009 |
Steven, nobody is talking about calling to cancel .. |
| Posted: Mon Jul 6 4:24:13 2009 |
Don't write a letter. Call the company. They .. |
| Posted: Sun Jul 5 17:10:29 2009 |
I'm just goint to parrot what dgoldenz wrote. A .. |
| Posted: Sun Jul 5 5:01:27 2009 |
After someone's dead, it is a little late to .. |
| Posted: Sat Jul 4 12:08:53 2009 |
If you want to PM me and give me a way to contact .. |
| Posted: Sat Jul 4 12:08:13 2009 |
Is there anything in the policy making it a .. |
| Posted: Sat Jul 4 8:55:06 2009 |
Ok, we're making progress.
Something is still .. |
| Posted: Sat Jul 4 5:47:18 2009 |
Do you have disability insurance Do you have the .. |
| Posted: Sat Jul 4 5:45:07 2009 |
If you are trying to file a lawsuit, you need a .. |
| Posted: Fri Jul 3 17:07:12 2009 |
"BAC a little higher than what is .. |
| Posted: Fri Jul 3 2:46:22 2009 |
With P&C, in many states, credit does impact .. |
| Posted: Fri Jul 3 2:43:02 2009 |
I feel like I'm Jerry Springer. "My husband .. |
| Posted: Thu Jul 2 7:01:14 2009 |
Bad credit does not equal poor money management. .. |
| Posted: Thu Jul 2 4:33:43 2009 |
You are getting all buggered up on this .. |
| Posted: Thu Jul 2 4:16:44 2009 |
So, you were intentionally being .. |
| Posted: Thu Jul 2 3:58:41 2009 |
Marpol, don't put words in my mouth. I never .. |
| Posted: Wed Jul 1 16:49:55 2009 |
You are missing a couple very important .. |
| Posted: Wed Jul 1 16:40:13 2009 |
The mortality tables give the average .. |
| Posted: Wed Jul 1 16:32:59 2009 |
You have wrong information. The majority of .. |
| Posted: Wed Jul 1 16:23:21 2009 |
First of all, I have no idea where you are .. |
| Posted: Wed Jul 1 14:01:39 2009 |
If we change the facts just a little bit, I would .. |
| Posted: Wed Jul 1 13:57:25 2009 |
That's true, but the difference is that the .. |
| Posted: Wed Jul 1 13:39:37 2009 |
I like the concept. I'm a big believer in the .. |
| Posted: Wed Jul 1 8:03:13 2009 |
Steven,
I think that he's being overly .. |
| Posted: Wed Jul 1 4:35:47 2009 |
An 86 year old female who can get standard rates .. |
| Posted: Tue Jun 30 3:26:42 2009 |
I was commenting strictly about life expectancy. .. |
| Posted: Mon Jun 29 18:54:48 2009 |
Don't confuse being HIV + with having AIDS. .. |
| Posted: Mon Jun 29 18:39:49 2009 |
Because your marriage was only 9 years and 6 .. |
| Posted: Mon Jun 29 5:13:45 2009 |
A pension is not just an annuity.
A pension .. |
| Posted: Mon Jun 29 5:07:58 2009 |
Yes. In general, the better the policy, the .. |
| Posted: Fri Jun 26 13:35:52 2009 |
They would both claim the .. |
| Posted: Fri Jun 26 13:34:26 2009 |
That's not necessarily true. It can be done .. |
| Posted: Thu Jun 25 17:07:12 2009 |
Whole life is much more than 2-3 times more .. |
| Posted: Thu Jun 25 17:02:27 2009 |
Hadley, I going to pick on your post a little .. |
| Posted: Wed Jun 24 16:50:56 2009 |
Sorry, but that isn't helpful. That makes it .. |
| Posted: Wed Jun 24 16:31:26 2009 |
Who is the owner Who is the insured What .. |
| Posted: Wed Jun 24 3:08:39 2009 |
Gary, what's not to like with VUL Doesn't .. |
| Posted: Tue Jun 23 16:48:53 2009 |
I don't know what you mean by the term .. |
| Posted: Tue Jun 23 3:16:01 2009 |
The term "financial advisor" has no .. |
| Posted: Mon Jun 22 17:41:37 2009 |
I do the same thing. If I'm using a UL .. |
| Posted: Mon Jun 22 17:39:25 2009 |
Again, this has nothing specifically to do .. |
| Posted: Mon Jun 22 17:26:02 2009 |
Gary,
You've asked some excellent questions .. |
| Posted: Mon Jun 22 3:34:19 2009 |
Feed names. Ask for whom you want. For .. |
| Posted: Mon Jun 22 3:29:26 2009 |
The money belongs to your son. Go ahead and file .. |
| Posted: Sun Jun 21 18:17:44 2009 |
The only thing that you should do now is get an .. |
| Posted: Sat Jun 20 17:30:04 2009 |
It should be mandated, but the problem is if .. |
| Posted: Sat Jun 20 17:26:38 2009 |
Your husband would be the insured. You would .. |
| Posted: Sat Jun 20 14:22:13 2009 |
As for individual policies integrating with .. |
| Posted: Sat Jun 20 14:18:01 2009 |
I'm sorry that our fellow poster, Gary, couldn't .. |
| Posted: Fri Jun 19 4:48:20 2009 |
InsTeacher, with quality DI products, that is .. |
| Posted: Fri Jun 19 4:40:37 2009 |
When your employer gives you something, they want .. |
| Posted: Fri Jun 19 4:33:48 2009 |
If you lie on the application form and get .. |
| Posted: Fri Jun 19 4:29:05 2009 |
They could surrender the smaller value plans, but .. |
| Posted: Fri Jun 19 4:26:03 2009 |
I doubt that you are the beneficiary of the .. |
| Posted: Fri Jun 19 4:21:58 2009 |
1) Make it part of the divorce decree.
2) You .. |
| Posted: Thu Jun 18 18:04:32 2009 |
Why can't someone write about the product without .. |
| Posted: Thu Jun 18 17:56:49 2009 |
There is something about these two quotes that .. |
| Posted: Thu Jun 18 17:36:04 2009 |
This question is a good example of why it is .. |
| Posted: Thu Jun 18 5:38:12 2009 |
Gary, we're certainly in agreement that one won't .. |
| Posted: Thu Jun 18 3:42:35 2009 |
Having safe money is very important. It can be .. |
| Posted: Wed Jun 17 17:28:17 2009 |
We'll see if we ever get a response from the .. |
| Posted: Wed Jun 17 6:07:37 2009 |
I would suspect that if the CSV is $290,000 that .. |
| Posted: Wed Jun 17 3:19:49 2009 |
How about if we start with 1/1/95-12/31/2004 .. |
| Posted: Wed Jun 17 2:58:55 2009 |
This is true, but does it matter Equities .. |
| Posted: Wed Jun 17 2:41:17 2009 |
Gary, I have no problem with fixed annuities. .. |
| Posted: Wed Jun 17 2:12:13 2009 |
What's the current death benefit of the .. |
| Posted: Tue Jun 16 4:13:39 2009 |
I don't know if it is true or not that there .. |
| Posted: Tue Jun 16 4:10:26 2009 |
Yes, but if this is your thought process, you .. |
| Posted: Tue Jun 16 3:57:30 2009 |
You are missing a crucial point. It is not .. |
| Posted: Mon Jun 15 9:52:38 2009 |
The answer to whether they are safe is .. |
| Posted: Mon Jun 15 9:48:48 2009 |
I'll just confirm what Gary is saying. The .. |
| Posted: Sat Jun 13 11:11:05 2009 |
1) Whole Life
2) Term insurance
Every .. |
| Posted: Fri Jun 12 4:27:16 2009 |
For every client that wants their advisor to look .. |
| Posted: Fri Jun 12 4:25:09 2009 |
Steven, when it comes to life insurance, the rich .. |
| Posted: Thu Jun 11 17:20:18 2009 |
This thread sounds like a bunch of salesman .. |
| Posted: Thu Jun 11 9:13:54 2009 |
I don't recall ever having to get a change of .. |
| Posted: Wed Jun 10 14:39:57 2009 |
You are giving your son no protection at all. .. |
| Posted: Wed Jun 10 10:32:02 2009 |
66 years old; 5 feet 7 inches, arthrits; 310 .. |
| Posted: Wed Jun 10 3:56:11 2009 |
Please don't make up answers. The divorce .. |
| Posted: Wed Jun 10 3:48:00 2009 |
If you want to build a referral based practice, .. |
| Posted: Wed Jun 10 3:44:50 2009 |
They don't have to prove insurable .. |
| Posted: Sun Jun 7 13:29:46 2009 |
That last post was from .. |
| Posted: Sat Jun 6 13:18:01 2009 |
Gary, sorry, but I think once again, this isn't .. |
| Posted: Sat Jun 6 13:11:18 2009 |
Insurance Teacher, I'm not sure that I made .. |
| Posted: Fri Jun 5 23:06:15 2009 |
Typically with the Waiver of Premium for a life .. |
| Posted: Fri Jun 5 20:23:14 2009 |
What you are saying doesn't make sense because it .. |
| Posted: Fri Jun 5 20:16:12 2009 |
Captive Agent: Can only sell the products of one .. |
| Posted: Fri Jun 5 20:05:20 2009 |
Denardo, your question appears to be in the wrong .. |
| Posted: Fri Jun 5 20:01:18 2009 |
It's possible. The extent to which this can be .. |
| Posted: Fri Jun 5 15:03:29 2009 |
Gary, I already did the math for you. If he .. |
| Posted: Fri Jun 5 12:56:02 2009 |
Gary, tell us how you really feel.
I've looked .. |
| Posted: Fri Jun 5 6:25:20 2009 |
So, the bottom line for the original poster is .. |
| Posted: Fri Jun 5 6:09:14 2009 |
I looked at these life insurance for hiv patients .. |
| Posted: Fri Jun 5 5:26:42 2009 |
He can actually probably get $50,000. The .. |
| Posted: Fri Jun 5 3:51:03 2009 |
An Automatic Premium Loan is when the insured .. |
| Posted: Thu Jun 4 18:40:18 2009 |
I know that you mean well, but it's not .. |
| Posted: Thu Jun 4 18:35:59 2009 |
SD Charger, it's a shame that you are too .. |
| Posted: Thu Jun 4 18:35:05 2009 |
Since there are easy ways to make sure that .. |
| Posted: Thu Jun 4 4:31:22 2009 |
We are letting someone know...YOU. We're .. |
| Posted: Tue Jun 2 11:34:15 2009 |
Is this some internet version of Candid Camera .. |
| Posted: Tue Jun 2 1:51:26 2009 |
What do you mean by "tied to (owned by) .. |
| Posted: Tue Jun 2 1:41:35 2009 |
As a general rule, agents who do both, tend to be .. |
| Posted: Tue Jun 2 1:25:00 2009 |
SDCharger, you should really read Chapter 6 in .. |
| Posted: Mon Jun 1 18:24:29 2009 |
Pat, that's not planning ahead. That's making .. |
| Posted: Mon Jun 1 6:35:25 2009 |
We're not talking about an accidental death .. |
| Posted: Sun May 31 17:24:06 2009 |
If you attempt to answer my questions, you will .. |
| Posted: Sun May 31 13:10:57 2009 |
That is a grossly inaccurate .. |
| Posted: Sat May 30 16:59:34 2009 |
Unless the court has reason to believe that you .. |
| Posted: Sat May 30 15:49:04 2009 |
I think that is precisely the case in many .. |
| Posted: Sat May 30 15:45:39 2009 |
Gary, sorry, but there won't be a thread war on .. |
| Posted: Sat May 30 8:19:27 2009 |
You sound like the kind of agent who gives .. |
| Posted: Sat May 30 8:16:27 2009 |
There's lots of differences. For instance .. |
| Posted: Sat May 30 8:13:24 2009 |
There's a heck of a lot more to it than .. |
| Posted: Sat May 30 8:11:24 2009 |
Find a new agent. That isn't meant to be .. |
| Posted: Sat May 30 8:09:11 2009 |
If you are looking solely at guarantees, they .. |
| Posted: Sat May 30 5:32:18 2009 |
I've tried explaining this several times, but .. |
| Posted: Fri May 29 17:41:53 2009 |
Excellent. Now, this is something that makes .. |
| Posted: Fri May 29 14:08:50 2009 |
You just don't get it. It's not about trust. .. |
| Posted: Fri May 29 13:56:17 2009 |
I'd be more concerned with the company than .. |
| Posted: Fri May 29 13:53:58 2009 |
How about further explanation It sounds .. |
| Posted: Fri May 29 13:47:01 2009 |
Get a new agent. Everybody is an ideal candidate .. |
| Posted: Fri May 29 3:03:53 2009 |
The more that a broker sells, the higher of a .. |
| Posted: Fri May 29 2:45:47 2009 |
There's not going to be anything difficult. The .. |
| Posted: Thu May 28 12:13:01 2009 |
Gary, I'd like to have an intelligent .. |
| Posted: Thu May 28 6:25:09 2009 |
Gary,
Your SAFE designation is safe. The .. |
| Posted: Thu May 28 5:59:36 2009 |
If the policy is the same, the price will be the .. |
| Posted: Thu May 28 3:31:23 2009 |
Denardo, you appear to be confused. You are .. |
| Posted: Wed May 27 18:02:49 2009 |
It takes about 60 seconds to change a .. |
| Posted: Wed May 27 17:16:06 2009 |
Legally, mom, or whoever the trustee is, must .. |
| Posted: Wed May 27 15:15:21 2009 |
It depends on the insurance company. In most .. |
| Posted: Wed May 27 3:23:37 2009 |
Sorry about your loss. Congratulations on your .. |
| Posted: Wed May 27 3:16:29 2009 |
Universal Life (UL) is fancy annually renewable .. |
| Posted: Wed May 27 3:03:35 2009 |
Term insurance is temporary insurance. It lasts .. |
| Posted: Tue May 26 16:49:55 2009 |
The way that Universal Life typically gets .. |
| Posted: Tue May 26 3:34:35 2009 |
With how you currently have things arranged, do .. |
| Posted: Mon May 25 16:36:55 2009 |
Good job, picklesandchampagne. The link is .. |
| Posted: Mon May 25 13:06:41 2009 |
World Financial Group is a multi level marketing .. |
| Posted: Mon May 25 12:58:32 2009 |
Look at some of the captive companies who sell a .. |
| Posted: Mon May 25 7:42:43 2009 |
What you are "SMARTASSES" and .. |
| Posted: Mon May 25 7:38:36 2009 |
There is a difference that you are completely .. |
| Posted: Mon May 25 4:53:37 2009 |
Chris, why use a crazy example Let's play .. |
| Posted: Sun May 24 18:18:48 2009 |
If you want your friend to get EVERYTHING, then .. |
| Posted: Sun May 24 18:14:58 2009 |
SDCharger, please don't give up on this .. |
| Posted: Sun May 24 7:27:14 2009 |
Just to be fair, it can make sense in cases where .. |
| Posted: Sun May 24 7:26:02 2009 |
You are going to have to explain once again .. |
| Posted: Sat May 23 17:33:45 2009 |
Please repeat yourself again because I'm .. |
| Posted: Sat May 23 17:19:29 2009 |
You are so defensive that you can't see that .. |
| Posted: Sat May 23 11:08:56 2009 |
Somehow, I'm not so sure that she's getting .. |
| Posted: Sat May 23 4:57:08 2009 |
You need to make up your mind. Are you now .. |
| Posted: Sat May 23 4:44:15 2009 |
"The Military" is obviously not an .. |
| Posted: Sat May 23 4:41:19 2009 |
No. It would be no different than me giving .. |
| Posted: Sat May 23 4:34:11 2009 |
The person wants to earn a commission. Mortgage .. |
| Posted: Fri May 22 18:00:47 2009 |
An annuity can be purchased anytime somebody has .. |
| Posted: Fri May 22 17:52:58 2009 |
What are you talking about Why in the world would .. |
| Posted: Fri May 22 17:48:23 2009 |
There is no "AND". Your son is .. |
| Posted: Fri May 22 17:46:37 2009 |
No you don't. You have your friend as your .. |
| Posted: Fri May 22 17:23:10 2009 |
The beneficiary should not be someone you trust. .. |
| Posted: Fri May 22 5:48:01 2009 |
Cheap is bad. Inexpensive is good. If something .. |
| Posted: Fri May 22 5:42:35 2009 |
Why can't people on this board use proper .. |
| Posted: Thu May 21 5:18:20 2009 |
It's the realized gain that is taxable. If .. |
| Posted: Thu May 21 5:03:15 2009 |
Since I've been on this board, SDCharger, you .. |
| Posted: Wed May 20 18:20:00 2009 |
Thanks, Gary. Good arguments done in a civil .. |
| Posted: Wed May 20 17:50:08 2009 |
I AM WRONG!
dgoldenz, thanks for the correct .. |
| Posted: Wed May 20 17:37:30 2009 |
You really want to run this by an attorney. .. |
| Posted: Wed May 20 3:20:33 2009 |
Rupert, annuities often have a death .. |
| Posted: Wed May 20 3:16:09 2009 |
Pickles, what is it that you would like to have .. |
| Posted: Tue May 19 18:24:47 2009 |
There are some life insurance companies that .. |
| Posted: Tue May 19 12:38:11 2009 |
What if you have neck and back problems the rest .. |
| Posted: Tue May 19 11:31:25 2009 |
Gary, no way is this just a woman's issue. The .. |
| Posted: Tue May 19 9:28:52 2009 |
Disability coverage is a subset of health .. |
| Posted: Tue May 19 8:34:55 2009 |
What's interesting about this quote is that .. |
| Posted: Tue May 19 5:55:46 2009 |
Maybe, I'm wrong, but I don't think that .. |
| Posted: Tue May 19 5:42:29 2009 |
Wait a second. First of all, if they didn't .. |
| Posted: Tue May 19 4:59:54 2009 |
Rupert, a stock broker is anybody who has .. |
| Posted: Tue May 19 4:49:56 2009 |
It wasn't really a serious comment. Gary was .. |
| Posted: Tue May 19 4:38:53 2009 |
We have to be careful with terminology. Part .. |
| Posted: Tue May 19 4:16:18 2009 |
I'm not sure what these numbers mean. For .. |
| Posted: Tue May 19 4:03:19 2009 |
We're missing facts. What makes you think that .. |
| Posted: Mon May 18 14:54:41 2009 |
No, I didn't say that stock brokers call .. |
| Posted: Mon May 18 14:43:10 2009 |
Sometimes people buy ADD without realizing how .. |
| Posted: Mon May 18 7:52:46 2009 |
Yes, it is easier to prove that you lost a .. |
| Posted: Mon May 18 6:46:42 2009 |
Gary, stock broker and registered representative .. |
| Posted: Mon May 18 6:37:50 2009 |
Do you need money just because you lose your .. |
| Posted: Mon May 18 6:35:11 2009 |
Accidental death insurance doesn't have a .. |
| Posted: Mon May 18 3:42:58 2009 |
Stockbrokers need to be an employee of a .. |
| Posted: Mon May 18 3:37:01 2009 |
Rupert, Accidental death policies often have .. |
| Posted: Sun May 17 17:19:35 2009 |
Gary, thanks for posting. I'm not a fan of .. |
| Posted: Sun May 17 10:09:51 2009 |
Why pay money to get a windfall that this is .. |
| Posted: Sun May 17 6:05:48 2009 |
AMIT, since I'm usually giving you a hard time, I .. |
| Posted: Sat May 16 14:05:26 2009 |
Nope. Let's use your numbers.
Life .. |
| Posted: Sat May 16 6:48:13 2009 |
That's not always true. I'll use myself as .. |
| Posted: Sat May 16 6:40:52 2009 |
Nope. It still doesn't make sense. If your .. |
| Posted: Fri May 15 17:51:28 2009 |
You need someone to be honest with you. The .. |
| Posted: Fri May 15 13:20:43 2009 |
Gary, I still don't get it. I'm fine with them .. |
| Posted: Fri May 15 11:45:26 2009 |
Gary, I don't understand.
Insurance Company .. |
| Posted: Fri May 15 10:16:49 2009 |
In many cases, there isn't much of a difference .. |
| Posted: Fri May 15 10:04:41 2009 |
A "career agent" is an any agent that .. |
| Posted: Fri May 15 3:57:13 2009 |
(This answer is coming from someone without .. |
| Posted: Fri May 15 3:33:26 2009 |
Joe and Sam are identical twins. Everything .. |
| Posted: Thu May 14 10:56:17 2009 |
Be careful of how this impacts the step-up in .. |
| Posted: Thu May 14 10:52:03 2009 |
That is why an absolute assignment or a change of .. |
| Posted: Thu May 14 3:24:46 2009 |
Why would you want to go against his wishes and .. |
| Posted: Thu May 14 3:20:11 2009 |
There are no rules that prohibit someone with .. |
| Posted: Thu May 14 3:17:12 2009 |
The court would actually have to order the life .. |
| Posted: Thu May 14 3:03:26 2009 |
There isn't a premium that can be .. |
| Posted: Thu May 14 3:00:52 2009 |
We're talking about life insurance and not .. |
| Posted: Wed May 13 17:26:58 2009 |
Michael, I have all of these questions/concerns .. |
| Posted: Wed May 13 13:45:25 2009 |
Why do people make up .. |
| Posted: Wed May 13 13:42:18 2009 |
Whole life insurance has nonforfeiture .. |
| Posted: Wed May 13 3:24:40 2009 |
Something that is irrevocable can't be revoked. .. |
| Posted: Tue May 12 18:30:49 2009 |
Yes. Let me make up an example for you. Joe .. |
| Posted: Mon May 11 7:07:49 2009 |
The insurance agent doesn't have to be one's .. |
| Posted: Mon May 11 3:09:32 2009 |
The success rate with any service like this .. |
| Posted: Mon May 11 3:03:04 2009 |
#1 A desire to leave money behind at death
The .. |
| Posted: Mon May 11 3:00:48 2009 |
There can certainly be something as part of the .. |
| Posted: Mon May 11 2:56:40 2009 |
Considering that things were set up in such a way .. |
| Posted: Sun May 10 10:22:13 2009 |
I do hope that he can use it productively because .. |
| Posted: Sun May 10 10:20:06 2009 |
An irrevocable beneficiary can't be changed, .. |
| Posted: Sun May 10 10:18:11 2009 |
Because he wrote exactly what you said that .. |
| Posted: Sun May 10 6:43:14 2009 |
Gary, the reason why I'm saying that it's more .. |
| Posted: Sun May 10 3:04:26 2009 |
P&C insurance is not my expertise, so take .. |
| Posted: Sun May 10 2:56:06 2009 |
It is not tax free. If one surrenders their .. |
| Posted: Sat May 9 10:52:17 2009 |
This is an old thread, but since it has been .. |
| Posted: Sat May 9 8:08:26 2009 |
Barbie,
The younger age allows one to .. |
| Posted: Sat May 9 4:43:07 2009 |
First of all, it depends upon whether we are .. |
| Posted: Fri May 8 14:00:55 2009 |
The key part of your question is calling a .. |
| Posted: Thu May 7 15:44:06 2009 |
Lori, that would make more sense except for the .. |
| Posted: Thu May 7 4:00:49 2009 |
Nothing in this thread makes any sense to .. |
| Posted: Thu May 7 3:23:15 2009 |
If I sell my policy at auction, doesn't the .. |
| Posted: Wed May 6 18:08:43 2009 |
Amit, there you go again answering questions .. |
| Posted: Tue May 5 14:56:33 2009 |
The question isn't directed towards me, but this .. |
| Posted: Sun May 3 17:22:45 2009 |
Gary, I am missing what you are trying to say .. |
| Posted: Sun May 3 8:23:32 2009 |
There's not a mystery about this. It can .. |
| Posted: Sun May 3 7:21:36 2009 |
Lori, I admit that I can be wrong about this .. |
| Posted: Sat May 2 19:14:41 2009 |
The MIB does not have your medical records. This .. |
| Posted: Sat May 2 18:24:14 2009 |
Medical Information .. |
| Posted: Sat May 2 16:16:50 2009 |
This is an old thread, but one thing needs .. |
| Posted: Sat May 2 14:08:05 2009 |
It's not a question of whether the insured has .. |
| Posted: Sat May 2 13:58:51 2009 |
Just to clarify, most 5 year, 10 year, and 20 .. |
| Posted: Sat May 2 13:52:42 2009 |
It's only going to lapse in 12-13 years if they .. |
| Posted: Sat May 2 13:44:07 2009 |
Ok, if one can "certainly" do this, .. |
| Posted: Sat May 2 8:05:32 2009 |
Let's also keep in mind that there is much more .. |
| Posted: Fri May 1 17:31:23 2009 |
There are a couple of things that could be .. |
| Posted: Thu Apr 30 13:48:49 2009 |
This is an old thread that got resurrected. What .. |
| Posted: Tue Apr 28 14:11:19 2009 |
I wouldn't make that assumption without .. |
| Posted: Tue Apr 28 14:08:32 2009 |
I know that it didn't go from 95 to 68 in a .. |
| Posted: Tue Apr 28 3:20:36 2009 |
It depends on the insurance company. One of the .. |
| Posted: Tue Apr 28 3:15:27 2009 |
The reason for getting rid of him, they are .. |
| Posted: Mon Apr 27 17:09:10 2009 |
Both the company and the agent are correct. .. |
| Posted: Mon Apr 27 14:06:35 2009 |
Amit, not only are you agreeing with statements .. |
| Posted: Mon Apr 27 14:03:02 2009 |
She's not the owner. An insurance company won't .. |
| Posted: Sat Apr 25 17:02:35 2009 |
Michael, You have a start up company that needs .. |
| Posted: Sat Apr 25 16:58:18 2009 |
A decent agent can easily get the ratings .. |
| Posted: Sat Apr 25 16:47:13 2009 |
The biggest reason why I think that it is .. |
| Posted: Sat Apr 25 3:23:53 2009 |
Thus far, I have started two different threads. .. |
| Posted: Sat Apr 25 3:16:13 2009 |
Jeremy, where did someone mention insuring .. |
| Posted: Fri Apr 24 12:51:44 2009 |
I started a thread on Find your policy dot com. .. |
| Posted: Fri Apr 24 12:44:47 2009 |
Life insurance policies usually don't have .. |
| Posted: Fri Apr 24 12:41:19 2009 |
A permanent policy is any policy that is designed .. |
| Posted: Thu Apr 23 9:39:55 2009 |
Michael,
I really thought that this .. |
| Posted: Thu Apr 23 8:20:07 2009 |
Ed, you are asking an excellent question. I .. |
| Posted: Thu Apr 23 5:16:42 2009 |
People get involved with group plans because the .. |
| Posted: Thu Apr 23 5:12:58 2009 |
The contingent beneficiary would be waived before .. |
| Posted: Thu Apr 23 3:01:05 2009 |
Kelvin, I have no idea if your 9% figure is .. |
| Posted: Thu Apr 23 2:39:18 2009 |
No. The contingent would still not get a thing. .. |
| Posted: Wed Apr 22 19:00:33 2009 |
Michael,
I applaud your efforts for your .. |
| Posted: Wed Apr 22 16:58:11 2009 |
Amit, that is not the definition of cash .. |
| Posted: Wed Apr 22 14:27:50 2009 |
Your still missing the point that if it is .. |
| Posted: Wed Apr 22 13:50:43 2009 |
You are missing my point. I agree that people .. |
| Posted: Wed Apr 22 12:46:51 2009 |
Can you please explain further why you think .. |
| Posted: Wed Apr 22 12:39:26 2009 |
morbidity =health .. |
| Posted: Wed Apr 22 12:37:57 2009 |
Yes, he can receive health insurance. If .. |
| Posted: Wed Apr 22 12:35:09 2009 |
Guaranteed issue health insurance won't work .. |
| Posted: Wed Apr 22 12:22:19 2009 |
The difference in premiums is caused by claims .. |
| Posted: Wed Apr 22 8:38:45 2009 |
I'm talking policies with very high premiums. .. |
| Posted: Wed Apr 22 7:21:42 2009 |
It's not difficult at all to get life insurance .. |
| Posted: Wed Apr 22 6:36:26 2009 |
Steven, this isn't just an international .. |
| Posted: Wed Apr 22 4:19:50 2009 |
Linn, does somebody care financially if you die .. |
| Posted: Tue Apr 21 8:21:57 2009 |
There are certainly times where a trust can be .. |
| Posted: Tue Apr 21 8:17:38 2009 |
Why is Asianking surely not a resident of .. |
| Posted: Tue Apr 21 3:00:33 2009 |
I'm convinced that people just make up .. |
| Posted: Tue Apr 21 2:50:12 2009 |
Amit, you are posting incorrect information. .. |
| Posted: Tue Apr 21 2:42:54 2009 |
Premium financing is typically used for large .. |
| Posted: Mon Apr 20 9:00:35 2009 |
First of all, I think that it's a really bad .. |
| Posted: Mon Apr 20 8:33:04 2009 |
Yes, and when that happens, the insured is .. |
| Posted: Mon Apr 20 7:48:03 2009 |
With the 80 year old, you are having him pay the .. |
| Posted: Mon Apr 20 7:10:22 2009 |
The age isn't relevant. The type of policy and .. |
| Posted: Mon Apr 20 4:44:49 2009 |
Amit, that has nothing to do with money .. |
| Posted: Mon Apr 20 4:34:53 2009 |
The cash value will be close to zero. However, .. |
| Posted: Mon Apr 20 4:13:24 2009 |
Yes, but....
Most people die when they .. |
| Posted: Mon Apr 20 4:02:51 2009 |
You can always cancel a policy at any time. You .. |
| Posted: Sun Apr 19 15:11:21 2009 |
If paying $24,000 would eat into their assets, .. |
| Posted: Sun Apr 19 9:01:49 2009 |
Thanks for continuing the dialog. Obviously, I'm .. |
| Posted: Sun Apr 19 8:41:40 2009 |
They only have to make contact at age one .. |
| Posted: Sun Apr 19 8:39:21 2009 |
Amit, the premium difference between two .. |
| Posted: Sun Apr 19 6:45:56 2009 |
Thanks for the response, Todd. I was thinking .. |
| Posted: Sun Apr 19 4:46:19 2009 |
Thanks. I now understand what you are .. |
| Posted: Sun Apr 19 3:57:58 2009 |
The insurance company doesn't contact the .. |
| Posted: Sat Apr 18 4:34:42 2009 |
Can you explain this case a little bit more .. |
| Posted: Sat Apr 18 4:08:27 2009 |
The answer to the original question is, .. |
| Posted: Sat Apr 18 3:57:29 2009 |
Todd,
The underwriting isn't going to be .. |
| Posted: Fri Apr 17 9:59:34 2009 |
Todd, can you give some specific examples where a .. |
| Posted: Fri Apr 17 5:12:08 2009 |
A "CFP" has no real world meaning .. |
| Posted: Fri Apr 17 4:51:49 2009 |
There aren't 2 policies. There are hundreds of .. |
| Posted: Fri Apr 17 2:34:20 2009 |
Single premium WL doesn't have monthly premiums. .. |
| Posted: Fri Apr 17 2:31:43 2009 |
Steven,
Let me give you one simple .. |
| Posted: Fri Apr 17 2:22:26 2009 |
You are having a hard time understanding .. |
| Posted: Thu Apr 16 12:50:49 2009 |
It should be easy to keep in force without .. |
| Posted: Thu Apr 16 12:44:47 2009 |
If the chances are slim to none, why buy life .. |
| Posted: Thu Apr 16 11:58:36 2009 |
(I'm assuming a 6% investment return.)
A .. |
| Posted: Thu Apr 16 11:16:12 2009 |
Let's follow your logic a little further. If .. |
| Posted: Thu Apr 16 7:33:52 2009 |
Lamont, talk to an attorney. There is a big .. |
| Posted: Thu Apr 16 7:27:53 2009 |
Except for the fact that they are getting their .. |
| Posted: Thu Apr 16 6:52:45 2009 |
If a client is understanding something that isn't .. |
| Posted: Thu Apr 16 6:32:25 2009 |
It seems like a pretty bad gamble unless the .. |
| Posted: Thu Apr 16 5:54:26 2009 |
Of course, if he can get preferred rates at age .. |
| Posted: Thu Apr 16 5:42:47 2009 |
sdchargersfan, a beneficiary designation has very .. |
| Posted: Thu Apr 16 5:22:36 2009 |
sdchargersfan, it's interesting that you say that .. |
| Posted: Thu Apr 16 2:34:19 2009 |
I don't like VUL, but it should at least be .. |
| Posted: Thu Apr 16 2:28:24 2009 |
I am not saying that the type of coverage is .. |
| Posted: Wed Apr 15 10:27:38 2009 |
Steven, the person who should own no life .. |
| Posted: Wed Apr 15 1:25:44 2009 |
lucy77, the answer to your question is .. |
| Posted: Tue Apr 14 7:18:02 2009 |
The best type of life insurance is that which is .. |
| Posted: Tue Apr 14 7:14:19 2009 |
Lori, great post. This type of thing is fairly .. |
| Posted: Tue Apr 14 2:09:52 2009 |
Why is it important to find out if she's named .. |
| Posted: Tue Apr 14 2:06:53 2009 |
Money laundering doesn't have to involve a great .. |
| Posted: Mon Apr 13 4:39:23 2009 |
I'm having trouble seeing how the fact that your .. |
| Posted: Sun Apr 12 6:10:57 2009 |
Ok, InsInvestigator can also use the English .. |
| Posted: Fri Apr 10 19:06:55 2009 |
Ins Teacher, are you the only poster on this .. |
| Posted: Thu Apr 9 12:56:56 2009 |
The obvious answer is usually the correct .. |
| Posted: Thu Apr 9 7:24:15 2009 |
No. In an UTMA account, the money must be .. |
| Posted: Tue Apr 7 5:48:50 2009 |
buckisaa, Is English not your first .. |
| Posted: Tue Apr 7 3:22:50 2009 |
I've been doing this for 20 years and I've never .. |
| Posted: Tue Apr 7 3:20:27 2009 |
Gary, I made an assumption in my post that a .. |
| Posted: Mon Apr 6 18:30:47 2009 |
Your use of the English language is making it .. |
| Posted: Mon Apr 6 17:37:10 2009 |
If the insurance company has nothing from you .. |
| Posted: Mon Apr 6 2:51:03 2009 |
It's easier than it sounds. It doesn't take .. |
| Posted: Sun Apr 5 19:10:19 2009 |
If your best friend is primary and your son is .. |
| Posted: Sun Apr 5 19:04:42 2009 |
In your case, you are both the owner and the .. |
| Posted: Sun Apr 5 19:01:04 2009 |
If your son is not a primary beneficiary, no part .. |
| Posted: Sun Apr 5 18:56:39 2009 |
It should be in the neighborhood of .. |
| Posted: Sun Apr 5 18:51:55 2009 |
If this is a decent amount of money, it's not ok .. |
| Posted: Sun Apr 5 18:45:29 2009 |
I know nothing about you are your situation .. |
| Posted: Sun Apr 5 18:37:02 2009 |
That is incorrect. In fact, if you want the .. |
| Posted: Sun Apr 5 17:47:09 2009 |
If the parent can easily afford the premium, it .. |
| Posted: Sun Apr 5 17:37:29 2009 |
Everything in your description of "cash .. |
| Posted: Sun Apr 5 17:31:33 2009 |
You're close. Term and Whole doesn't refer .. |
| Posted: Sun Apr 5 16:06:02 2009 |
When she buys a policy on her mother's life, .. |
| Posted: Sun Apr 5 15:41:02 2009 |
It sounds as if your mother had a policy that .. |
| Posted: Sun Apr 5 13:07:53 2009 |
You are definitely confused. Let me try to .. |
| Posted: Sun Apr 5 12:43:06 2009 |
The owner of the policy has the right to change .. |
| Posted: Sun Apr 5 12:38:39 2009 |
The contingent would not get a thing. All of .. |
| Posted: Sun Apr 5 12:34:50 2009 |
Your friend gets everything. Your parents .. |
| Posted: Sun Apr 5 12:27:58 2009 |
Incorrect. It will be part of your taxable .. |
| Posted: Sun Apr 5 12:23:04 2009 |
"It may happen at times that the primary .. |
| Posted: Sun Apr 5 12:18:34 2009 |
Why is this scary If there wasn't a named .. |
