Insurance FAQ
 

What Type Of Life Insurance Do We Need To Purchase To Cover Motorcycle Accident Death?

Question by HisღBeautiful | Posted in Insurance

my husband wants to make sure our family is taken care of if he were to die in a motorcyle (street bike) accident. What type of life insuranpe ce do we need to look into? I am not good with these types of situations but I do agree we should be smart and covered.

Answer: You should look into getting a 20 year or 30 year term life insurance. Financial experts say you need coverage of 8 to 12 times your annual gross income. For example, if your husband earns $40k/year, then he needs around $400k coverage. At the same time, both of you should be saving for retirement. Social security is not guaranteed to pay in the future and only a small handful of companies have pension plans. What is left is your own personal savings.

I suggest opening a Roth IRA and invest in mutual funds. Mutual funds are very good investments for the long term as they have historically outperform the inflation rate. Just keep in mind, there is annual contribution limit of $5000
 
 

Artist, Title - "I'm Just An Average Man With An Average Life I Work From Nine To Five, Hey Hell I Pay The Pri?

Question by "Johns" | Posted in Other - Music

ce..." Tell me the name, artist, and how he's related to a "big" music mogul. Thanks!!! Answer carefully and c'ya on da otha side if/when you be da "chosen" one. Until then, as you were... Peace out!!! Btw, "15 minutes could save you 15% or more on your car insurance."

Answer: song title - "somebody's watching me".

artist - Rockwell with background vocals by the late Michael Jackson.

the song is featured on the Geico commercial, but it's not the original version as mentioned above.

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How Can Some One Talk About National Security With Out At Least Limited Health Insurance For Every One.?

Question by tootles | Posted in Civic Participation

We all seen what happened when anthrax got into our post offices.What if it wasn't at a place where the employee's had good insurance,what if it wasn't the post office but in a kilo of coke from across our boarder how long would that take to pin point most uninsured might tough it out as a cold not wanting to add to there excessive ER bills by the time we figured out what was going on how bad will it be what if it was some thing else small pox or some thing .We have so much to watch out for Iraq,Russia,Afghanistan,North

Answer: in the case of a known attack there will be care for the victems. however that is not national security. national security is trying to prevent the attack or finding the attackers and dealing with them or their whole orginization in a military fashion.

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Car Loans?

Question by Naterz | Posted in Credit

Ok I'm 19 years old...
I got a 2005 Toyota Corolla CE a month ago
The Worst-Good Decision in my Life....
17% Interest Rate --- 380.31/ 75 months....
Car Insurance --- 320 month....
Good Things is I got mom's help!
She'll pay the car payment and 75% of my insurance if I maintain at least 2.5 GPA...
My question is will I get the best rates in the future?
I plan to just keep the car until it's completely paid for.
Let insurance rates go

Answer: WHY PAY $52,500 for a used Corolla? No one should do such a thing.

I'm queasy.

I will say that this single audio clip changed my life when I heard it.

Half way down click "Listen to Dave". JUST listen.
http://www.daveramsey.com/tdrs/index.cfm /2007/9/17/Getting-rich

Before you do one more thing listen to this man for free, on the radio or online, daily, and you will make decisions that wealthy people make. This is like getting financial wisdom from Bill Gates, except this guy has a radio show.

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KnowTheRisk.com- Online CE credits and underwriting manual for insurance professionals

knowtherisk.com is an online underwriting manual produced specifically for insurance advisors looking for expert resourcing and online CE credits ...

How to Find Insurance Continuing Education Classes in Texas

CE Course Study Methods Of the required CE class hours only 50% of the hours may be taken as self-study classes. Agents who hold a Limited Lines license, Life insurance under $15,000 or a County Mutual license are only required to take 10 hours of continuing education classes of which to a dedicated to ethics/consumer protection. All insurance agents must take at least 30 hours of continuing education with two of those hours dedicated to ethics/consumer protection. Therefore, insurance agents who are required to take 30 credits may only take 15 of them using the self-study method. The onus of keeping track of all classes and number off course hours completed is on the insurance agent....

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