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With an emphasis on preparing and filing claims electronically, Health Insurance Today, 4th Edition features completely updated content on ICD-10 c... Read More >
Health Insurance: Navigating Traps & GapsIn this volatile time, healthcare coverage has become entirely too complex and expensive. Understanding the issues is more important than ever. Lack of good health coverage protection can be financially and emotionally devastating. This book will help you avoid costly traps and gaps.
The good news is we are living longer and the bad news is we are living longer, our working years ar
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I paid for short term disability through my employer when I was employed. Then I got an illness and had to have several surgeries in succession and I lost my job. I filed a claim which they received 1 month and 2 weeks ago. After 1 month they asked for 2 more forms to be filled out; 1 by my ex-employer and 1 more by my doctor (Which I think was a duplicate). That was one week ago. I contacted the sales lady, and she said she is working on it, and I should receive an answer on this coming Tuesday (day after MLK Day). Should I file a complaint before that date comes with the state or wait to see if they attempt to delay my payment more?
The coverage was in place at the time the claim was filed and a payment was made for the month before I was let go.
Ok…here is the story. My best friend (a guy) has had his girlfriend living with him for over a year. Back in January she told him that she did not think she was going to be able to continue paying her share of the rent and utilities because she had just become employed. She told my friend that the unemployment she was receiving was barely enough to cover the COBRA insurance she had paid in January and was about to pay in February. She made a deal with my friend (which was put in writing) that said she would not have to pay her share of the expenses starting March until she got a job. At that point she would then begin repaying him. Well, he knew she had an illness that required her to have the medical insurance so he agreed to the deal. However, everything was not as it appeared.
EduTrainer Steve Savant coaches you through basic term proposals. (Part 2) Illustrating Basic Term Comparisons — Proposal systems that illustrated health several health categories, periods of coverage and premium modes provide multiple consumer options. Health Classifications — there are five recognized non rated, nonsmoker health classifications: super preferred, preferred plus, preferred, standard plus & standard. Periods of Coverage — 10, 15, 20, 25 & 30 year indemnification durations. Some carrier actually customize term periods. Premium Mode — Annual, semi-annual, quarterly & monthly bank draft. Some carriers allow bank drafts for semi-annual and quarterly payments. Life Insurance Basic Entry Manual: Order- [email protected] Download Lincoln Benefit Life’s user friendly proposal software and follow Steve Savant as he teaches the basic concepts of life insurance at www.lblsales.com/etw You can download additional sale support materials including prospecting post cards and letters at www.lblsales.com/strategies/sales_customersExisting.php at EduTrainment workshops is sponsored by Lincoln Benefit Life, An Allstate Company.
…and it cost $5717.28 is that what I’m supposed to pay monthly or yearly or for the whole 20 years?
I have high blood pressure. but it’s controlled since i’m taking medicine and eating healthy.
I have one son from previous marriage. I’m 49 years old.
Multiple term life insurance proposals should always be compared in a very specific way. Compare multiple term life insurance proposals with help from a member of the California Department of Insurance Curriculum Board and insurance professional in this free video clip. Expert: Tony Steuer Contact: www.lifeinsurancetoolbook.com Bio: Tony Steuer, CLU, is the author of “Questions on Life Insurance”. Filmmaker: Pierre Forcioli-Conti Series Description: When getting life insurance it is only natural to have a lot of important questions. Get the answers to all these questions and more with help from a member of the California Department of Insurance Curriculum Board and insurance professional in this free video series.
EduTrainer Steve Savant coaches you through the process of assessing term spreadsheets. Underwriting — At first blush term life spreadsheets appear straight forward in ranking best annual premium. However, premium pricing is only as good as the underwriting classification. Many carriers on the “grid” are too conservation in their underwriting protocols, so their premiums on the spreadsheet are not taken as a serious premium quote. Conversion Privileges & Periods — Some carriers have limited conversion options and periods, which must be identified to the client in the case of future permanent protection. Permanent Product Carrier Inventory — Many carriers allow conversion to their permanent product lines, but the products are not consumer competitive. Life Insurance Basic Entry Manual: Order- [email protected] Download Lincoln Benefit Life’s user friendly proposal software and follow Steve Savant as he teaches the basic concepts of life insurance at www.lblsales.com/etw You can download additional sale support materials including prospecting post cards and letters at www.lblsales.com/strategies/sales_customersExisting.php at EduTrainment workshops is sponsored by Lincoln Benefit Life, An Allstate Company.