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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. What is a tax-free 1035 Exchange?

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

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

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

  11. Why is accidental life insurance so inexpensive?

  12. Is life insurance good for mortgage protection?

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

  14. How much life insurance should I have?

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

  16. What is a convertible insurance policy?

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

  18. Is there more to insurance policies than price?

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

  20. What is disability-income insurance?

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

  22. What is an elimination period?

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

  24. How much life insurance is enough?

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

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

  27. Which insurance policies do I really need?

  28. Which of the following accounts does ERISA cover?

  29. How is my insurance premium calculated?

  30. Will Medicare pay for long-term costs?

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

  32. What is long-term care insurance?

  33. What is indexed universal life insurance?

  34. What is moral hazard?

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

  36. What is a "force majeure"?

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

  38. What is a gatekeeper?

  39. What's the difference between casualty insurance and disability insurance?

  40. What is variable life insurance?

  41. What is term insurance?

  42. Why is my insurance premium so high/low?

  43. What is multiline insurance?

  44. What is reinsurance?

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

  46. Does it make sense to get my house and car insurance at the same place?

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

  48. 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?

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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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