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Avalanche8484 asked:

Do you Drive a Vehicle? Most people must drive a car in order to get to work, conduct our business, get to the store , and take the kids to play and school. Car Drivers Need Car Insurance! With an auto comes the need for car insurance. Every US state requires a legal minimum coverage in order…

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synchronised asked:


I am a non-US citizen and need this information to do a case.

Specifically:
1) Is health insurance compulsory for everyone?
2) What happens if someone cannot afford it?
3) In the event that a medical procedure needs to be done, does health insurance cover all the bills? Does the patient need to pay anything extra?
4) Does the patient have any say over what kind of procedure he can take? Say if 2 treatments are available for his condition, can the patient choose the more expensive treatment? And if so, is it covered by the insurance?

Thanks for reading this. Your help in answering any part of the questions would be greatly appreciated!
Thanks to those who have responded so far.

I would like to further ask:

Does a health insurance contract state that it will only cover the “normal” rates for a procedure? For eg. if there are 2 possible treatments for a disease, 1 of which is more expensive but more effective than the other, will the patient only be covered by the LESS expensive one?

Or is it a case in which the patient can opt for the more expensive one and “top-up” the difference?

This is a crucial question to my understanding the case. Thanks!

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K N Swamy asked:


What are the LIC policies for which we pay less but get more coverage? Is it possible to get insurance policies upto 20 times of the annual income? What are the policies that can be chosen?

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worriedaboutredundancy asked:


I have been offerred mortgage payment protection insurance by my mortgage lender, but it seems a bit expensive.
I think my job is OK, but I do worry as there have been a few people made redundant recently. There seems to be a lot of mortgage protection insurance online on Google UK, but does anyone have any experience of any companies or more to the point, has anyone been made redundant and had to claim with their mortgage protection insurance provider?

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Jeffy asked:


In the case of my wife and I both dying, our child will obviously be living with someone else. What we want to know is, how can our life insurance money be given out in a way of our choosing, via our wills?

For example, five percent to the new guardians up front, just because. Twenty percent into a college fund. Twenty percent to be given to the child upon reaching the age of 21. The rest to be doled out evenly, on a monthly basis to the guardians, for providing necessities.

First of all, is it possible to dictate any rules like this? Second of all, is there any advice on specific ways that might be better than the one I stated above?

Thanks for the advice.

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Gloria L asked:


I am applying for health insurance at Blue Cross. They have a number of insurance plans to choose from. For some of their plans it indicates that it is “underwritten” by Blue Cross. For other plans, it doesn’t say it’s underwritten. What are the advantages of choosing one over the other? I’m am more likely to qualify for one of them? THANKS!

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Jeanne O asked:


I’m married with two children and have one more on the way (very early on in the pregnancy). I’m 29yo, but my father passed away of a heart attack when he was 39. I’m having trouble going the easy route… ie, online, and need some advice on how to choose someone.

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Karen M asked:


I know a little to get by; but since I am no longer working and searching for a at home job, or a way to work for myself. I need to know which insurance company and plan would work out for a family package deal when working for yourself. Since most jobs set you up with that right away and pay towards a percentage to that insurance company since the company you work for usually strikes a deal. I’m afraid to ask an insurance agent because like a salesman, they are out to make the most money out of you– which isn’t always the best plan for you to choose. Any help with information is very much appriciated.. thank you and God Bless your families.

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CJ asked:


I am looking into life insurance policies for my husband and I, but I am not sure what kind of policy I need (term, whole, universal, etc..)

I just want something to where if one of us dies, the living spouse and the children will be compensated. I also want a policy that you can borrow off of if need be.

Would someone please explain the differences to me. Also, if you can recommend a good insurance company, that would be helpful too.

Thanks in advance!

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ritaandtim asked:


I’m 18 and I need to start paying for my own car insurance. Any suggestions for lowering the cost? I live in New York which means my parents are finacially responsible for me until I’m 21. I know that everyone says to try and stick it out but that is not an option. I’m going to be living with a close friend and we need to keep our expenses to a minimum. Any tips concerning car insurance, OR health insurance too would be great.

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