M****a
发帖数: 11261 | 1 这两天看到那个宝宝版的帖子很难过，虽然离开SD好多年了，但是还是感觉似乎就是自
己的邻居家出的事情，心情一直很down。看到大家在讨论life insurance我来说说我的
简单理解吧。本来想回到其他帖子下面，但是觉得还是单独发个帖子比较好。这只是抛
砖引玉，希望大家可以继续讨论
1.有孩子的都应该买life insurance，越早买越便宜，公司的group insurance是不够
的，一是数额比较小，二是万一失业了这个insurance就没有了，年纪大了万一失业了
再想买term life会很贵。
2.life insurance分term和whole life，whole life顾名思义就是能保一生，有点类似
saving账户，满足一定条件可以取钱出来，term期满了以后没有任何benefit，premium
是固定的，一般我觉得买到孩子成年就可以了，所以二十年term就挺好。还有二十五年
或者三十年的term，基本上每家情况不一样，数额是能够保证配偶和孩子的生活质量就
好。
3.一般life insurance的受益人如果是minor child的话，钱不能直接给孩子，需... 阅读全帖 |
|
l****z
发帖数: 29846 | 2 Tuesday, July 19, 2011
Email a Friend Email to a Friend ShareThis
Voters think less government red tape and more competition are the best ways
to bring down health care costs.
Sixty-nine percent (69%) of Likely U.S. Voters believe greater free market
competition between insurance companies would do more to reduce health care
costs than more government regulation. A new Rasmussen Reports national
telephone survey finds that just 23% feel the more effective course would be
more government regulati... 阅读全帖 |
|
l****z
发帖数: 29846 | 3 by: Alex Wayne
March 6, 2014
(Bloomberg) – Gary Cohen, the top U.S. health insurance regulator accused
by congressional Republicans of misleading them before the troubled start of
the Obamacare insurance website, will resign.
Cohen will step down as director of the Center for Consumer Information and
Insurance Oversight at the end of the month, when the first enrollment
period for the health-care law concludes, Marilyn Tavenner, the
administrator of the Centers for Medicare and Medicaid Services... 阅读全帖 |
|
c**m
发帖数: 1457 | 4 http://www.mitbbs.com/club_bbsdoc/MA_Mortgage_Realestate.html
【 以下文字转载自 MA_Mortgage_Realestate 俱乐部 】
发信人: chem (Mortgage Consultant), 信区: MA_Mortgage_Realestate
标 题: Title Insurance Information
发信站: BBS 未名空间站 (Mon Oct 24 23:03:59 2011, 美东)
What is Title Insurance?
A title insurance policy protects against losses that occur when you
discover after closing that someone else can claim a lien interest or
ownership of the property. Could that happen? Yes. Fraud, forgery or simply
errors during your ... 阅读全帖 |
|
a******e
发帖数: 94 | 5 先给各位看官简介下我家买房情况：
本州房价不贵，8万的平房小ranch short sale，把全付身家挤出来给了cash offer，
银行终于批了。
以前agent说所有的close费用银行作为卖家要负担（我们州closing fee是卖家付），
我们作为cash offer，不用贷款，真给银行省了不少closing的手续费，现在要closing
了，我们以前问agent title insurance,她含糊的说所有费用银行包，我们只出少数一
些到时才知道的费用，结果现在又提到买title insurance,她就给我回：
You do not need title insurance. They cannot sell the house without making
sure there are no liens on the property. You just need homeowners insurance.
This is a private sale（我之前问她short sale是不是跟银行房一样，银行会保证
title clean）. Everything w... 阅读全帖 |
|
y*******w
发帖数: 5917 | 6 Title insurance美国特有，别处罕见，是和agent制度一样是历史遗留的残渣。比如其
他大部分国家，如果你把遗嘱放在保险柜里面过一定时间不去政府登记，则自动作废。
美国因为历史上曾经推崇“小政府”的概念，所以没有强制政府登记，产生了title
insurance的说法。但是后来美国政府其实很强大了，电子record也完善了，其实根本
没有搞title insurance的必要了，但是title insurance公司就开始从中作梗，就和
NAR在废除agent制度上作梗一样，设置障碍愣是不让通过。
但是即便保险公司作梗，有几个州也已经强制推行政府登记制度，这些州其实买title
insurance已经意义不大。对于别的州来说，title insurance的赔付率只有5%左右，
insurance agent fee却高达60%左右，这部分钱大部分是用来让agent search title
defect用的，理论上也不完全是浪费。但是不要忘记lender's title insurance是必须
买的，所以title defect其实那里就已经search过了。所以own... 阅读全帖 |
|
c**********e
发帖数: 1184 | 7 一般mortgage里的hazard insurance就是指的home owner's insurance.只要买了home
owner's insurance就能够满足lender的要求了。
广义的hazard insurance保的比home owner's insurance要多，home owner's
insurance有的只保房子本身，火灾，偷盗，等等。有的还保personal property（例如
HO6)。而hazard insurance可以另外单独购买地震，飓风甚至战争等home owner's
insurance保不了的天灾。 |
|
V********6
发帖数: 593 | 8 Geico:
Thank you for taking a moment to inquire about a Homeowners policy. The
following is a breakdown of your quotation. Please call us at the above toll
-free number to activate this policy.
Coverage A - Dwelling Coverage Limit - $ 365,000
Coverage B - Other Structures - $ 36,500
Coverage C - Personal Property - $ 255,500
Coverage D - Loss of Use - $ 109,500
Coverage E - Liability - $ 300,000
Coverage F - Medical Payments - $ 2,000
Deductible - $ 1,000
TOTAL ANNUAL PREMIUM: $ 1,728
Endorsemen... 阅读全帖 |
|
m********n
发帖数: 3558 | 9 在做loan. 大部分broker给的estimate 上 title insurance 这部分都是一大笔钱算
lender's title insurance; 一小部分算 owner's title insurance. 这个是普遍现象
吗？ 其中只有一个 broker 的 estimate 上显示 $500 给 lender's title insurance
, 另外$2500 给 owner's title insurance.
大家是自己找title insurance company 还是让lender 找一个就算了？ 我的broker
说各个 title company 之间价格的差异很小，是不是就lender 推荐什么就用什么算了
？ 他们会处理这中间的关系吧？ 但我不知道这 Lender's insurance 和 owner's
insurance 之间的比例是怎么确定的。 |
|
m********n
发帖数: 3558 | 10 在做loan. 大部分broker给的estimate 上 title insurance 这部分都是一大笔钱算
lender's title insurance; 一小部分算 owner's title insurance. 这个是普遍现象
吗？ 其中只有一个 broker 的 estimate 上显示 $500 给 lender's title insurance
, 另外$2500 给 owner's title insurance.
大家是自己找title insurance company 还是让lender 找一个就算了？ 我的broker
说各个 title company 之间价格的差异很小，是不是就lender 推荐什么就用什么算了
？ 他们会处理这中间的关系吧？ 但我不知道这 Lender's insurance 和 owner's
insurance 之间的比例是怎么确定的。 |
|
t*******r
发帖数: 2293 | 11 Okay, I will give you an example to make this easy for you ...
For example, your deductible is $500, annual out of pocket is $2000, and
your co-insurance is 20% (you will need to pay %20) 80% (insurance coverage
is 80%).
In this case,
1) you would need to pay up to $500 (for this year) before insurance will
pay a penny.
2) After $500, insurance will pay 80%. If you have a treatment in doctor
office, the Dr bill you 3000, claim to insurance, insurance will say, only
worth $1500. Then 80% of 1500 ... 阅读全帖 |
|
W*******d
发帖数: 87 | 12 当前是这样的coverage，整个association当然还有master insurance来cover房子外部
，所以
这个只是cover屋内的结构（楼梯，橱柜等等）
Coverage A - Insured Value of Home 目前是7万
This coverage applies to the residence premises as shown on your policy.
This
includes structures attached to the dwelling, materials and supplies located
on or
next to the residence premises which will be used to construct, alter or
repair the
dwelling or other structures on the residence premises.
Coverage C - Personal Property 目前是1万5
Coverage for personal property ow... 阅读全帖 |
|
f*******n
发帖数: 12623 | 13 There are different parts of "insurance". "Liability" insurance means pay
other people (never you) for your fault. "Collision" insurance means pay you
regardless of fault (but you have to first pay a deductible).
Everybody has liability insurance, but not everybody has collision insurance
. You must first say what you have.
You must either claim against the other person's liability insurance (if you
think it's their fault) or your own collision insurance (if you have it).
You never claim against... 阅读全帖 |
|
a*****o
发帖数: 1 | 14 Financial Services Representative
Location: Los Angeles, CA
Type: Full Time
Min. Experience: Entry Level
Introduction:
New York Life is currently seeking self-motivated, driven individuals with a
passion for making a positive impact on peoples’ lives.
As a Financial Services Professional (Agent) you will have the freedom to
build your network of insurance clients and business associates who are
looking for insurance and financial solutions.
New York Life Insurance Company, a Fortune 100 company ... 阅读全帖 |
|
F**********e
发帖数: 207 | 15 flood insurance and earthquake insurance are not included in your home
insurance policy and you have to purchase them separately.
if your house is within the flood zone, then flood insurance is mandatory
requirement by your mortgage company.
your home insurance have some options that you may elect, such as sewerage
backup, etc
earthquake insurance is expensive and most people don't buy.
some Insurance companies may deny your flood insurance application if the
risk is too big, and some don't offe... 阅读全帖 |
|
I******A
发帖数: 426 | 16 产权保险(Title Insurance) 就是保护赔偿由于在常规产权检查中没有发现，而在已经
过户后才发现的产权过失给新房主所造成的直接经济损失．Title insurance包括两部
分: owner's title insurance and lender's title insurance.
如果你是贷款买房,这个lender's title insurance肯定是要买的.
Owner's title insurance主要是保护new owner的利益,可以确保产权方面意外事故发
生后的赔偿，包含了所有重新恢复拥有产权所需要的法律费用,有的时候, 有些人会把
经过公证的遗嘱, AGREEMENT或抵押协议, 放在保险柜里, 而不是拿到LOCAL COURT去
record.这些东西, TITLE SEARCH也根本查不出来,等你买了房子一段时间, 万一人家把
这些文件拿出来, 上法庭一告, 你要是没有TITLE INSURANCE,就会很麻烦.
这里有几个可以查询title insurance报价的网站：
• Fidelity National Title:
h... 阅读全帖 |
|
c**********e
发帖数: 1184 | 17 Mortgage Insurance并不是终身要付的。当贷款的剩余balance除以当时房子的市价小
于等于80%的时候，Mortgage Insurance就可以取消。只要在想取消Mortgage
Insurance时做一个Appraisal提交给银行就行（无论是贷款付到一定程度，或者是房价
攀升都行）。但是，并不是说所有的Mortgage Insurance都能够在close之后马上取消
，有的lender规定一年之内无论如何都不能取消，有的lender是6个月，也有2年的。所
以要和lender确认清楚，另外，所有的lender-paid mortgage insurance（一般用
borrower paid）都是终身不能取消的，只能通过refinance来取消。
至于Mortgage Insurance的付法，其是和本金&利息每个月一起交的而且是一个定额。
您听的说法应该是一开始几个月交的是“interest”而不是“insurance”。一个贷款
的本金和利息的每个月交的是固定的，中文叫“等本息”，而本金和利息占总量的比例
是变化的，一开始几乎全部是利息，然后本金的比例慢慢... 阅读全帖 |
|
l******n
发帖数: 220 | 18 差不多是这样的，我们的估价跟这差不多。人家私下说，这个title insurance is a
cash printer for the title company，因为在他从业的十多年里，从来没有见过
title insurance理赔。这个title insurance又是closing costs里的大头，但是从来
没有人使用过这个insurance，所以现金基本上无成本流入title company而不流出。
大家碰到过使用title insurance理赔的情况吗？这个title insurance能不买吗？3000
多刀好贵的说。让seller付应该没戏吧？
算
insurance
broker |
|
p******g
发帖数: 498 | 19 关于Life Insurance by Yoda
Life Insurance从概念上来说本来是很不错的东西：以集体的力量帮助少数不幸的个体
正常地生活下去，也是一个社会文明的标志。可惜的是Life Insurance的agent
distribution system有很大问题，所以造成了不少人对Life Insurance的animosity。
首先说说什么人根本不需要Life Insurance：
<1> 从出生至成年。
Agent 的两个卖点是：万一孩子出点事，大人也有个补偿啊；小孩可以Lock in 很低的
rate。
第一点是扯蛋：Insurance is solely used to solve financial dependency, NOT
emotional dependency。大人不在经济上依靠小孩，不需要Insurance，period. 第二
点也是荒谬: rate 低了，但交的时间长了，理由不成立。
<2> 成年单身。
和上面理由差不多，不需要Life Insurance。例外的是如果有老人在经济上依靠子女(
这点在第一代移民的中国人中有一些)，这时候可 |
|
b******e
发帖数: 53 | 20 求教各位同学长辈, 请斑竹手下留情
我是一所小学校的PhD学生, F1身份
我老婆今年4月来美与我一起生活, F2 身份
老婆最近被诊断为thyroid cancer, 需要手术+碘131放疗+endocrinologist
我们已经约好肿瘤外科医生准备12月手术
我过去的几年里一直使用学校的student insurance, 老婆来美国以后学校要求她也加
入我的insurance plan, 所以我老婆也在我的insurance plan里面.
但是最近收到保险公司的信, 说需要证明我们过去的12个月也一直under insurance
coverage, 否则的话,这次的claim就要算作pre-existing condition 然后以后所有
subsequent claims都要被deny.
我担心的是, 我老婆在这个保险公司不够12个月, 保险公司不cover医疗费用. 虽说就
算保险公司deny我的claim, 可能手术可以正常进行. 但是因为所有的这几个treatment
都要在同一个cancer center, 手术之后的放疗会不会因为我的insurance 一直d... 阅读全帖 |
|
i****a
发帖数: 36252 | 21 http://www.npr.org/2010/11/22/131504268/the-last-word-in-business
Disgrace Insurance Tailored For Celebrity Pitchmen
Tiger Woods has lost millions of dollars in sponsorships because of
scandal. But he's hardly the only big name to annoy companies which put
a star at the center of their branding campaigns. Disgrace insurance has
been around for decades but it's become more prevalent in recent years.
Copyright © 2010 National Public Radio®. For personal,
noncommercial use
only. See Terms... 阅读全帖 |
|
j********d
发帖数: 157 | 22 Here is a special case of auto insurance claim due to traveling. My
question is if the claim shall follow Michigan or Maine's rule? And I would
appreciate interpretation of insurance rules from Michigan residents.
I came from PA, went to Maine recently and backed up onto another car (with
a Michigan plate) in a parking lot. The front bumper of the other car was
damaged (a 2-inch long crack). No one was in the other car, so I left a
note of my phone # on the other car and continued on my trip.... 阅读全帖 |
|
z****g
发帖数: 1978 | 23 They are two types of insurance related quant position.
one is hedge fund that trades insurance policy, they mainly do relative
value
trading of the insurance policy.
another is asset management division of insurance company. The portfolio
management
process of insurance company use kind of asset-liability matching approach,
instead
of asset only approach.
so the main question of insurance product is that, like ibank selling
derivatives
and hedging, insurance company sells insurance product and |
|
l****z
发帖数: 29846 | 24 Catholic bishops said Friday night that they would not support the Obama
administration's proposed compromise on a controversial rule that requires
most employers to fully cover contraception in their workers' health plans.
The U.S. Conference of Catholic Bishops, which had led opposition to the
regulation, issued a statement saying that they didn't believe their
concerns were addressed by a new policy offered by President Barack Obama on
Friday morning to allow religious employers who object to... 阅读全帖 |
|
l****z
发帖数: 29846 | 25 Lawmaker wants answers after cost estimate for health insurance aid rises by
$111B
Published March 02, 2012
WASHINGTON – Cost estimates for a key part of President Obama's health
care overhaul law have ballooned by $111 billion from last year's budget,
and a senior Republican lawmaker on Friday demanded an explanation.
House Ways and Means Committee Chairman Dave Camp, R-Mich., wants to know by
Monday why the estimated ten-year cost of helping millions of middle-class
Americans buy health insur... 阅读全帖 |
|
l****z
发帖数: 29846 | 26 Individual health insurance rates to rise 30-40% next year under new law,
Florida insurance chief says
By Stacey Singer
Palm Beach Post Staff Writer
Health insurance rates in Florida will rise by 5 to 20 percent in the small-
group market, and 30 to 40 percent in the individual market, as the
Affordable Care Act’s guaranteed coverage rule takes effect next year,
Florida’s insurance commissioner said Monday.
It’s a measure of how tough Florida’s insurance market has been for adults
with ... 阅读全帖 |
|
l****z
发帖数: 29846 | 27 August 19, 2013 Posted by Warner Todd Huston
During his weekly address from August 17, President Obama declared that
health insurance isn’t just a privilege–it’s a right.
The address, titled “Working to Implement the Affordable Care Act,”
featured all the President’s well-worn claims about Obamacare that we are
used to hearing.
Obama touted the fact that people under 26 can stay on their parent’s
insurance, he talked of the “free mammograms,” and celebrated the access
to “contraceptive care.” A... 阅读全帖 |
|
l****z
发帖数: 29846 | 28 Obama Tosses Billions to Insurance Companies to Cover Up ObamaCare Losses
by Jammie
Gee, we thought ObamaCare was working so well?
The Obama administration has quietly adjusted key provisions of its
signature healthcare law to potentially make billions of additional taxpayer
dollars available to the insurance industry if companies providing coverage
through the Affordable Care Act lose money.
The move was buried in hundreds of pages of new regulations issued late
last week. It comes as ... 阅读全帖 |
|
j*******8
发帖数: 260 | 29 My PIP should pay first. So I can ask my car insurance pay me and then, I
pay my medical
insurance. Am I right? Thanks for your kind help.
I asked the other driver' insurance company to pay the bill for a couple
times (the other driver was at fault), after the refusal of my insurance
company, and the other driver's insurance finally asked my insurance
company to pay the bill. That is how I found out that my insurance should
pay the bill.
you
a
medical |
|
y*****y
发帖数: 413 | 30 Sorry cannot type Chinese.
Recently, I had a small collision with a car.
My father in law drove the car. He is visiting us from China. He has driver
license from China but no US driver license.
The other driver has report a claim to my insurance company. I got call from
insurance company and they said they need to talk to my father in law, but
we haven't got call after a few days.
My insurance is only liability. In this case, do I need to file the
insurance claim with other driver's insurance co... 阅读全帖 |
|
m**D
发帖数: 134 | 31 我的contract里好像说如果我选择他们用的title insurance company，owner title
insurance就由seller出。那我可不可以通过贷款银行指定的公司买lender title
insurance，但是通过卖方指定的公司买owner title insurance？ 还是必须通过同一
家公司买？
purchaser may choose the title insurance company for closing. If purchaser
agrees to use the title insurance company utilized by the seller's attorney
or agent, then seller agress to pay for purchaser's owner's title policy.
Seller will not be obligated to pay any portion of the cost of an owern's
title policy if the policy is no |
|
L******d
发帖数: 2461 | 32 你这个恐怕不是Home insurance, 而是loan insurance.
Home insurance只与所估计的房子的重建费用有关, 与loan amount无关.
在某些房价比较高的地区, loan amount中很大一个比例是地价而不是建筑物的价值.
至于lender要求哪个insurance, 可能就因lender而异了.
据我联系的一个insurance agent说, lender无权要求loan insurance. 也就是说,
loan insurance通常是买家自己购买的.
make |
|
d******n
发帖数: 2712 | 33 Owner's title insurance还是需要买的。
不过，对于这部分，我也挺困惑的，lender's title insurance是可以从网上查到的，
似乎是同一标价，但是owner's title insurance的价码是怎么出来的就很不了解了。
有些时候，看到律师给的Pre-HUD上，会把我网上查到的lender's title insurance的
钱放到owner's title insurance栏内，而lender's title insurance变得非常之少。
总之，从几百到上千的owner's title insurance都见过。。。 |
|
a******e
发帖数: 138 | 34 马上要close了，记得原先contract上说seller给买owner's title insurance/policy,
今天拿到copy，title是Texas Commitment for Title Insurance，里面分schedule A
，B, C, D 四部分那种，基本上看不懂，就看到房子的价格和premium（1k出头）。立
刻问agent确认这个是不是title insurance，结果agent说那个只是title search，说
insurance要自己单独买。然后我去这个title insurance company 网站查insurance
for buyer，看到quote 和我拿到的copy 上的premium 一样，然后再问agent，她就说
她也不知道了。请问大家，这个到底是不是owner's title insurance? 谢谢！ |
|
s*****i
发帖数: 261 | 35 被迫选择了FHA loan,就是要付private mortgage insurance
那种。每个月多付好多。原因是我付20%的现款打到银行的账户上不到两个月，而我最
近就必须closing. 我问我的loan officer,那在一年之内多付贷款，付了20%， 是不是
那个该死的mortgage insurance就可以摆脱掉呢？她回信写了下面的两段话。
谁给翻译一下（谢谢！），怎么觉得乱糟糟地理不出头绪来呢？
到底是不是必须付5年呢还是早付完20%早解脱呢？怎么我的loan文件上写着这种保险必
须付105个月呢？这不是远远超出60个月吗？
When you get a conventional loan, you need to have a 20% down payment in
order to avoid private mortgage insurance. When you get a FHA loan, even
though you may put down 20%, you still have to pay mortgage insurance for
the... 阅读全帖 |
|
I******A
发帖数: 426 | 36 这个跟车险,房屋保险一样,没事的时候,感觉用处不大,一亘出现问题,才会体会到它的
用处.
版上对这个问题讨论过多次,我们俱乐部里也针对这个问题专门写了一个FAQ, 这里再
post一下.
Title insurance包括两部分: owner's title insurance and lender's title
insurance.
如果你是贷款买房,这个lender's title insurance肯定是要买的.
Owner's title insurance主要是保护new owner的利益,可以确保产权方面意外事故发
生后的赔偿，包含了所有重新恢复拥有产权所需要的法律费用,有的时候, 有些人会把
经过公证的遗嘱, AGREEMENT或抵押协议, 放在保险柜里, 而不是拿到LOCAL COURT去
record.这些东西, TITLE SEARCH也根本查不出来,等你买了房子一段时间, 万一人家把
这些文件拿出来, 上法庭一告, 你要是没有TITLE INSURANCE,就会很麻烦.
这里有几个可以查询title insurance报价的网站：
• Fidelit... 阅读全帖 |
|
c**********e
发帖数: 1184 | 37 是的，lender's title insurance是必须的，owner's title insurance不是的，但是
不建议不买。
Owner's Title Insurance是保护买主不会因为这个房子的title“不干净”而有任何损
失，例如产权纠纷，tax lien，judgement lien，unpaid mortgage lien和
mechanical
lien等。很多时候这些lien被记录在案没有clear但是和你没有任何关系，Owner's
Title Insurance就是保护你不受这些和你无关的matter的影响，和房子本身有没有
upgrade以及房子本身的状况无关。所以，如果不能确保title是完全clean的，还是买
此insurance比较好。
Owner's Title Insurance只有在买房子的时候买一次就好（无论有没有贷款），之后
无须再购买。
在很多地方，惯例是owner's title insurance是卖家出的，所以您最好跟卖家确认清
楚。 |
|
d*******3
发帖数: 6550 | 38 Understanding What Disasters Are Likely Covered by Your
Homeowners Insurance
According to the Insurance Information Institute, there are certain hazards,
or perils, that are covered by most standard homeowners insurance policies.
While the coverage can vary from state to state or from one geographical
region to another, homeowners policies typically offer coverage for the
following:
Fire/smoke
Lightning strikes
Windstorms
Hail
Explosion
Vandalism
Theft
Damage caused by the weight of snow, sleet ... 阅读全帖 |
|
z****l
发帖数: 5282 | 39 Life Insurance FAQ Version 0.2
本人与保险业无任何往来，以下问答仅供参考，欢迎补充指正
感谢大家的更正！
Q1. 为什么要买人寿保险？
在美数年，时常有人出了意外，家人生活堪忧。这时候来发起募捐，通常收获不大。
靠社会不如靠自己，每个月少去一趟餐馆，就可以买到可以承受的人寿保险，
让你所爱的家人衣食无忧。人寿保险的赔偿，通常是免income tax,
但可能subject to estate tax。
Q2. 什么人有必要买人寿保险？
如果你有未工作的配偶；
如果你有未成年子女；
如果你有需要赡养的父母；
如果你有房屋贷款。
Q3. 人寿保险有哪些？
Life Insurance 分三个大类：
1. Ordinary Insurance
2. Industrial Insurance
3. Group Insurance
这里俺们主要讨论第一类，主要是两种：
Term Life Insurance 和 Permanent Life Insurance。
Term Life 有三种：
Level Term，Decreasing Term，Increasing |
|
y*****r
发帖数: 178 | 40 大家好，前不久想买term insurance, 从网上选择了一下， rating在A+的产品中感觉
还不错的就选中了transamerican的term insurance产品，刚好有朋友在代理这个产品
，就从他那边买了。买了三个月后才知道我那个朋友是WFG时的agent，网上查了下感觉
很多人都说这个WFG是传销组织，有的是分别来看transamerican和WFG,有的是把两者合
二为一来看待。现在我有些类糊涂了，我知道WFG可能是传销组织，那他们代理的term
insurance呢？网上评论他们时多是谈论的IUL等指数险等，term insurance基本没谈的
，那transamerican的term insurance倒底安不安全？我的想法是，即便WFG是传销组织
，但如果他们代理的transamerican term insurance没问题，那也可以接受，毕竟是和
保险公司签的合同并且最后也是和他们打交道。另外，网上transamerican term
insurance 是A+的评级，如果有问题会有这么高的评级吗？感觉很糊涂，请问大家，我
需要换别一家保险公司吗？多谢... 阅读全帖 |
|
|
l****z
发帖数: 29846 | 42 【 以下文字转载自 USANews 讨论区 】
发信人: lczlcz (lcz), 信区: USANews
标 题: Arizona insurance premiums on the decline
发信站: BBS 未名空间站 (Mon Apr 1 12:54:52 2013, 美东)
Angela Gonzales
Property and casualty insurers in Arizona showed a decrease in written
premiums for the fifth year in a row to $7.3 billion in 2011, according to
the latest economic impact study by the Arizona Insurance Council.
The property and casualty insurance industry — which covers commercial,
home and auto risks — has more than 27,000 insuran... 阅读全帖 |
|
z****l
发帖数: 5282 | 43 Google is your friend.
http://www.malifega.org/faqprint.cfm/
Are all policies fully protected?
No. If your insurance company fails, the maximum amount of protection
provided by the Massachusetts guaranty association for each type of policy,
no matter how many of that type of policy you bought from your company, is:
Life Insurance Death Benefit: $300,000 per insured life
Life Insurance Cash Surrender: $100,000 per insured life
Health Insurance Claims: $100,000 per insured life
Annuity Benefits (P... 阅读全帖 |
|
v********u
发帖数: 19 | 44 We are currently seeking Entry Level and Experienced Sales Agents to join
our growing organization. In this role, you will sell Life and Disability
insurance to protect the homes of your clients in the event of death or
disability as well as annuities to protect and provide retirement income. We
provide and support a program in which you work from home, either part time
or full time, and set your own hours.
Responsibilities:
Develop Client Base-contact prospective clients by calling on warm lead... 阅读全帖 |
|
w*******n
发帖数: 4188 | 45 下面是我的理解,confirmed by my insurance, may apply to other insurances too:
1.借车: 只要你授权借给朋友开车,无论他/她在不在你cover的list上,也无论你在不在
车上,都cover,但是,liability part cover将是最低的(比如30w/10w,那将是10w),其它
part(collision & comprehensive)相同.
2.租车: 只要你的insurance能cover rental car,那你就不用在租车的地方再买
insurance,你的insurance已经cover了; 如果你的insurance没有rental car coverage
, 你也可以用credit card (只要你用visa,master card, amex租车)来cover rental
car insurance,但没有liability part, 只有collison & comprehensive. 如果朋友开
你租来的车,保险将用他/她自己的,跟你没有关系.
欢迎指正补充. |
|
j*****4
发帖数: 40 | 46 I have been using Farmers since 2000 for car insurance (2 cars) and house
insurance (2 houses), umbrella insurance.
Without any claim in any of the above insurances, the premium keeps
increasing almost every year.
I am wondering whether anybody knows a good insurance agent who is willing
to review my current insurance documents
and provide a quota based on the same coverage that I current have.
I am in Fremont, CA.
Thanks,
Edward |
|
j*****4
发帖数: 40 | 47 I have been using Farmers since 2000 for car insurance (2 cars) and house
insurance (2 houses), umbrella insurance.
Without any claim in any of the above insurances, the premium keeps
increasing almost every year.
I am wondering whether anybody knows a good insurance agent who is willing
to review my current insurance documents
and provide a quota based on the same coverage that I current have.
I am in Fremont, CA.
Thanks,
Edward |
|
l******n
发帖数: 697 | 48 Hi Guys
I am wondering if the priceline insurance good for car
insurance?Collision Damage Coverage
NOTICE TO STATE OF WASHINGTON RESIDENTS
This is not your insurance policy. To obtain your state-specific
insurance policy Call AIG International Services, the Administrator, at
1-877-399-7765.
Collision Damage Insurance
DESCRIPTION OF COVERAGE
Coverage Provided under Policy Number 9500477
Coverage Limit $35,000
This is a brief description of the insurance benefits provided. The
insurance for th |
|
m*******r
发帖数: 8950 | 49 【 以下文字转载自 WashingtonDC 讨论区 】
发信人: mdrealtor (md_realtor), 信区: WashingtonDC
标 题: 博客第九篇 -- Title Insurance 的新发现
发信站: BBS 未名空间站 (Sun Dec 30 12:51:40 2012, 美东)
刚刚SETTLE了一个CASE。买主的TITLE INSURANCE非常便宜，用的REISSUE的RATE。也就
是大家在做REFINANCE的时候用的RATE。以前，也遇到过一个类似的CASE，但买主和卖
主是亲戚，我以为两者之间有什么DEAL。这次双方之间没有任何关系。和SETTLEMENT
ATTORNEY聊了聊，原来只要卖主同意提供他/她的TITLE INSURANCE，
卖TITLE INSURANCE的公司，是可以REISSUE 这个INSURANCE的，其价格只是重新买的30
% 左右。。。 这个RATE，不包括LENDER的TITLE INSURANCE。。。
所以，如果买的不是FORECLOSURE或SHORT SALE的房子，而是REGULAR SALE, ... 阅读全帖 |
|
l****z
发帖数: 29846 | 50 Angela Gonzales
Property and casualty insurers in Arizona showed a decrease in written
premiums for the fifth year in a row to $7.3 billion in 2011, according to
the latest economic impact study by the Arizona Insurance Council.
The property and casualty insurance industry — which covers commercial,
home and auto risks — has more than 27,000 insurance professionals in
Arizona representing more than 960 companies with $1.3 trillion in assets.
The AIC reported a slight decrease in losses of $5.6 b... 阅读全帖 |
|
