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Insurance FAQs

  1.

    What is pay-as-you-drive auto insurance?

  2. Can my insurance company refuse me coverage?

  3. How old should you be to get life insurance?

  4. Suppose my garage collapsed onto my car. Are damages covered by my home insurance or auto insurance?

  5. How are life insurance proceeds taxed?

  6. What changes might I need to make to my insurance policy?

  7. How does the money from the interest on my bond get to me?

  8. What is a cross hedge?

  9. What effect did the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 have on debtors?

  10. What is a tax-free 1035 Exchange?

  11. When is it a good idea to use an irrevocable life insurance trust?

  12. What are the requirements to be able to contribute to an HSA?

  13. How do I know if I qualify to open a HSA (Health Savings Account)?

  14. Why is accidental life insurance so inexpensive?

  15. Is life insurance good for mortgage protection?

  16. My mortgage payments are no longer affordable; is there anything that I can do to prevent foreclosure?

  17. How much life insurance should I have?

  18. What is PMI, and does everyone need to pay it?

  19. What happens to insurance policies and variable annuities if the insurance company itself goes bankrupt - do the policyholders get anything out of it?

  20. How do I know if I should refinance my mortgage?

  21. My variable annuity account took a beating. Should I seek other alternatives?

  22. What is a convertible insurance policy?

  23. Why would you want a monthly benefit versus a daily benefit?

  24. Is there more to insurance policies than price?

  25. What is the difference between early retirement and full retirement as it applies to Social Security retirement benefits?

  26. Who was the youngest CEO to be indicted for securities fraud?

  27. How much of a company's stock can a mutual fund own?

  28. How do I choose which insurance company to use?

  29. What is disability-income insurance?

  30. Should I pull my money out of an annuity if the insurance company is having financial problems?

  31. What is an elimination period?

  32. Is there a limit on the amount of disability insurance that I can buy?

  33. What changes might I need to make to my insurance?

  34. How much life insurance is enough?

  35. When is the best time to purchase long-term care insurance?

  36. Which insurance policies do I really need?

  37. What documents should I have ready in case my partner or I should die?

  38. Which of the following accounts does ERISA cover?

  39. How is my insurance premium calculated?

  40. Will Medicare pay for long-term costs?

  41. What is the significance of a Schedule 13D?

  42. Why might one insurance policy cost more than another?

  43. What is long-term care insurance?

  44. What is indexed universal life insurance?

  45. What is pension maximization?

  46. What is moral hazard?

  47. What is long-term care?

  48. What are activities of daily living (ADL)?

  49. What was the Mahonia company and why did it become the subject of a lawsuit?

  50. What is a "force majeure"?

  51. What is the history behind today's bankruptcy laws?

  52. What are the penalties for withdrawing from my Traditional IRA less than a year after acquisition?

  53. What is the difference between term and universal life insurance?

  54. What's the difference between book and market value?

  55. What are leading, lagging and coincident indicators? What are they for?

  56. What's the difference between a mutual fund and a hedge fund?

  57. Who qualifies as "single" for tax or retirement purposes when spouses do not live together?

  58. What are the income limits for Roth IRA contributions?

  59. Are long-term U.S. government bonds risk-free?

  60. What qualifies a person as a day trader?

  61. Why do some closed-end mutual funds trade above or below their net asset values?

  62. What number of shares determines adequate liquidity for a stock?

  63. How rapidly can expanding sales reduce a firm's earnings?

  64. Why would a stock have no par value?

  65. What is a wrap account and what are the advantages of using one?

  66. Are my investments insured?

  67. If everyone is selling in a bear market, does your broker have to buy your shares from you? If so, won't he be losing his shirt?

  68. Is my 403(b) account owned by me or by the institution?

  69. I know there is a form of deposit insurance where a portion of my bank account deposits is protected. Is there anything like this for my investments?

  70. My recently deceased spouse's IRA has been rolled over into mine. Does the cost basis change for me?

  71. Can my spouse and I convert our IRAs to Roth IRAs regardless of earned income?

  72. Why can you short sell an ETF but not an index fund?

  73. I've heard some "market gurus" claim returns of up to 400% annually. Is this possible?

  74. Can a stock lose all its value? How would this affect a long or short position?

  75. What is a CUSIP number?

  76. Is it possible for a company to have a positive cash flow and a negative net income?

  77. I made involuntary contributions to a retirement plan while temporarily employed. Can I withdraw these funds without penalty?

  78. What does the 'FIG' at an investment bank refer to?

  79. What is the difference between an industry and a sector?

  80. What's the difference between institutional and non-institutional investors?

  81. Are the deferred earnings in a SIMPLE IRA subject to FICA taxes?

  82. Can a bond be traded over-the-counter?

  83. How does the 80% rule for home insurance work, and how do capital improvements affect it?

  84. What risks do organizations face when engaging in international finance activities?

  85. What is political risk and what can a multinational company do to minimize exposure?

  86. How do segregated funds differ from mutual funds?

  87. I have just been laid off. Can I use my 401(k) for living expenses now and report it as income next year?

  88. What possible past activities will prevent me from becoming a Registered Representative?

  89. What are some commonly missed deductions for business owners?

  90. Can I still set up an SEP if one of my employees refuses to participate?

  91. Can I return funds to my Roth IRA after I have taken it as a distribution?

  92. What are the exceptions to the early distribution penalty for a non-qualified Roth IRA distribution?

  93. What careers are popular among CFA charterholders?

  94. What activities can an Investment Company Products/Variable Contracts Limited Representative perform?

  95. I lost my share certificate. Do I still own the stock?

  96. What is the difference between Series 9/10 and Series 24 qualification exams?

  97. What is a trailing commission?

  98. What is happening during a risk repricing?

  99. Are mortgage-backed securities backed by any guarantees?

  100. How can I budget for both short-term expenses and long-term goals?

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Last Questions Asked:
  1.

    What is pay-as-you-drive auto insurance?

  2. Can my insurance company refuse me coverage?

  3. How old should you be to get life insurance?

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