c*********r
发帖数: 77 | 1 两星期前，带2岁的女儿去先生公司找他有事，想把车停在门口的visitor parking，最
左边靠curb的空着，要调一下角度才停得进去。倒车前看了后视镜，没车，倒了一下，
转了个角度，正准备换成D挡开进去，突然砰的一声，后面被狠狠撞了下，女儿吓哭了
，下车一看，一辆车往前开去，开到另外一排停下，我们后面的bumper裂了一米多长的
裂缝。我过去和那个30多岁的老美交涉，他说是equal fault,我说是他倒车时没看，而
且开得太快造成的。我当时速度很慢，如果他也那么慢，即使碰上最多造成点儿划痕（
根据以前的经验）。他说从他的角度看不到我的车，我觉得他在撒谎，他根本没看。大
楼门口是个小三岔路口，我开过来时，明明看到没车开进来，我问他是怎么倒过来的，
他没回答，只说在停车场怎么倒车都可以，没规定不可以那么倒车。我去前台叫了先生
下来，那老美就说他在同一家公司工作，他也承认他开得快了，他拿了个信封，说可以
报insurance,他的车没有damage,但他不想保费increase，他可以给我们钱，开始说2,3
百元，我说换个bumper不可能那么便宜，他又说给4百，可以马上存入银行，... 阅读全帖 |
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z********3
发帖数: 1430 | 2 http://www.massresources.org/health-reform.html#howmuchpenalty
What is the Massachusetts Health Reform Act?
The Massachusetts Health Reform Act is a state law passed in 2006 that
requires all adult Massachusetts residents to have health insurance if they
can afford it. Residents without health insurance face a tax penalty.
Massachusetts residents with limited incomes may be eligible for MassHealth
or Commonwealth Care. For other residents, the state determines how much you
should be able to spen... 阅读全帖 |
|
c*********r
发帖数: 77 | 3 两星期前，带2岁的女儿去先生公司找他有事，想把车停在门口的visitor parking，最
左边靠curb的空着，要调一下角度才停得进去。倒车前看了后视镜，没车，倒了一下，
转了个角度，正准备换成D挡开进去，突然砰的一声，后面被狠狠撞了下，女儿吓哭了
，下车一看，一辆车往前开去，开到另外一排停下，我们后面的bumper裂了一米多长的
裂缝。我过去和那个30多岁的老美交涉，他说是equal fault,我说是他倒车时没看，而
且开得太快造成的。我当时速度很慢，如果他也那么慢，即使碰上最多造成点儿划痕（
根据以前的经验）。他说从他的角度看不到我的车，我觉得他在撒谎，他根本没看。大
楼门口是个小三岔路口，我开过来时，明明看到没车开进来，我问他是怎么倒过来的，
他没回答，只说在停车场怎么倒车都可以，没规定不可以那么倒车。我去前台叫了先生
下来，那老美就说他在同一家公司工作，他也承认他开得快了，他拿了个信封，说可以
报insurance,他的车没有damage,但他不想保费increase，他可以给我们钱，开始说2,3
百元，我说换个bumper不可能那么便宜，他又说给4百，可以马上存入银行，... 阅读全帖 |
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T*U
发帖数: 22634 | 4 1. Cause a car accident
If you are at fault in an accident, your car insurance premium is likely to
increase. The exact increase, often called a “surcharge,” will depend on
your insurance company. Before you buy car insurance, ask your agent for a
“surcharge schedule” which will reveal how much you’ll be charged in the
event you cause an accident.
Some car insurance companies forgive first-time accidents but require that
you fit certain criteria in order to escape a rate increase. If your
insur... 阅读全帖 |
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j****y
发帖数: 1714 | 5 don't mix insurance and investment
http://whitecoatinvestor.com/dont-mix-insurance-and-investing/
A wise physician will have a solid insurance plan and a solid investing plan
. But she shouldn’t mix the two. Remember the combination TV/VCRs?
Seemed like a great idea initially. But then you ended up with the worst of
both worlds, and when one of them broke, the other became useless. It’s
the same with investing. Instead of providing some kind of synergy by
mixing the two, you end up with th... 阅读全帖 |
|
j****y
发帖数: 1714 | 6 don't mix insurance and investment
http://whitecoatinvestor.com/dont-mix-insurance-and-investing/
A wise physician will have a solid insurance plan and a solid investing plan
. But she shouldn’t mix the two. Remember the combination TV/VCRs?
Seemed like a great idea initially. But then you ended up with the worst of
both worlds, and when one of them broke, the other became useless. It’s
the same with investing. Instead of providing some kind of synergy by
mixing the two, you end up with th... 阅读全帖 |
|
b**********r
发帖数: 3861 | 7 Features
A flexible premium and adjustable equity indexed life insurance policy is a
universal life insurance policy with an equity-indexing feature. The
insurance company accepts your premium payment and deposits the premium into
your cash value account, which is set up with the policy. Then, the
insurance company deducts the cost of insurance from the cash value account
and invests the premiums into long-term bonds. The interest generated from
the bonds is then invested into index call options... 阅读全帖 |
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K*Q
发帖数: 1001 | 8 http://www.guardingyourwealth.com/insurance/articles/Lifeinsura
Has a life insurance agent suggested that you buy ‘permanent’ insurance
such as Whole Life, Universal Life or Variable Universal Life? The reasons
they give seem so compelling, but are they in your best interest? Here’s an
explanation of the basics, plus what the insurance agent isn’t telling you!
There are two broad categories of life insurance—term and permanent. The
basic idea behind life insurance is that if you die prematurely,... 阅读全帖 |
|
gr
发帖数: 2958 | 9 【 以下文字转载自 Midlife 讨论区 】
发信人: mirrorjj (人在天涯), 信区: Midlife
标 题: [合集] 看到宝宝版的帖子我也来说说life insurance (转载)
发信站: BBS 未名空间站 (Fri Jan 3 00:59:17 2014, 美东)
发信人: yudeli (余德利), 信区: SanDiego
标 题: [合集] 看到宝宝版的帖子我也来说说life insurance
发信站: BBS 未名空间站 (Thu Jan 2 16:30:33 2014, 美东)
☆─────────────────────────────────────☆
MyDora (家有懒猫－家有小宝万事足) 于 (Fri Mar 8 13:46:03 2013, 美东) 提到:
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，... 阅读全帖 |
|
b********j
发帖数: 109 | 10 放狗搜了下：
wiki上的解释http://en.wikipedia.org/wiki/Life_insurance～～～太长。大意好像就是没钱就买term 吧，老了term很贵了但也许没有life insurance的需要；有钱就可以买whole，贵些但cover 终身、有Cash value，可以自己投资且避税。
Term insurance
Term assurance provides life insurance coverage for a specified term. The
policy does not accumulate cash value. Term is generally considered "pure"
insurance, where the premium buys protection in the event of death and
nothing else.
There are three key factors to be considered in term insurance:
Face amount (protecti... 阅读全帖 |
|
m******j
发帖数: 5079 | 11 【 以下文字转载自 SanDiego 讨论区 】
发信人: yudeli (余德利), 信区: SanDiego
标 题: [合集] 看到宝宝版的帖子我也来说说life insurance
发信站: BBS 未名空间站 (Thu Jan 2 16:30:33 2014, 美东)
☆─────────────────────────────────────☆
MyDora (家有懒猫－家有小宝万事足) 于 (Fri Mar 8 13:46:03 2013, 美东) 提到:
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... 阅读全帖 |
|
m******j
发帖数: 5079 | 12 【 以下文字转载自 SanDiego 讨论区 】
发信人: yudeli (余德利), 信区: SanDiego
标 题: [合集] 看到宝宝版的帖子我也来说说life insurance
发信站: BBS 未名空间站 (Thu Jan 2 16:30:33 2014, 美东)
☆─────────────────────────────────────☆
MyDora (家有懒猫－家有小宝万事足) 于 (Fri Mar 8 13:46:03 2013, 美东) 提到:
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... 阅读全帖 |
|
y****i
发帖数: 17878 | 13 ☆─────────────────────────────────────☆
MyDora (家有懒猫－家有小宝万事足) 于 (Fri Mar 8 13:46:03 2013, 美东) 提到:
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... 阅读全帖 |
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l****z
发帖数: 29846 | 14 by: Alex Nussbaum
February 12, 2014
(Bloomberg) — Health insurers told to pay $150 billion in taxes over a
decade to help fund Obamacare are now shifting at least part of that cost
back to taxpayers.
Congress passed the insurer tax four years ago to help cover the uninsured
under the Affordable Care Act. Now, the industry is pushing to include some
of the cost in contracts with Medicaid programs for the poor that are
jointly funded by state and federal governments.
The strategy may add $36 billi... 阅读全帖 |
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c*********o
发帖数: 471 | 15 Mecury Insurance pushed for this.
1.5 * rating.
http://www.consumeraffairs.com/insurance/mercury.html
From Mecury news:
Two years ago, billionaire George Joseph, chairman of Mercury Insurance,
spent $16 million of the company's money on Proposition 17, a direct attack
on California's strong insurance rights laws. At the time, we called it the
worst abuse of California's initiative process on the 2010 ballot, which was
saying something, since it was competing with PG&E's $46 million assault on
it... 阅读全帖 |
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c***c
发帖数: 6234 | 16 转载
最近，几个朋友挑战我来谈谈这个题目。终于写了出来。其实这个题目一直是一个很值
得争议的话题。
当经济好的时候，人人炒股，人人是理财专家，人人都是高风险承受着，人人都期望得
到高的回报。当经济危机时，大家都知道了”保本“很重要。
当investment和insurance混在一起时，在现今的经济状况下，许多人恨得咬牙切齿。
在理财这个行业里，准确说，在保险这个行业里，因为“investment和insurance混在
一起”，使保险经纪人的名声越来越差。
我认识的同行中，有人说，他or她就不target term life的market，专卖whole life。
life insurance就是life insurance，investment就是investment。他们公司的主要
life产品是whole life，他们受的培训是whole life，所以只知道whole life。
有人专卖VUL （ariable universal life）。他们说whole life 太贵。而且他们的客
户买VUL时，认为他们买的是个好的investment tool，人寿保险有什么... 阅读全帖 |
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h*********a
发帖数: 828 | 17 计划去San Juan, PR租车，但是本人没有自己的car insurance.
准备租enterprise的车。有下面三个保险选项
1. Damage Waiver
2. Personal Accident Insurance
3. Supplemental Liability Protection
如果我用chase united, 还需要买哪（几）个 ？
谢谢大家！
Damage Waiver
DAMAGE WAIVER (DW) FOR THIS BRANCH RANGES BETWEEN $15.99 AND $19.99 PER DAY.
- DW IS OFFERED AT THE TIME OF RENTAL FOR AN ADDITIONAL DAILY CHARGE. IF
THE RENTER ACCEPTS DW, ENTERPRISE WAIVES OR REDUCES THE RENTER'S
RESPONSIBILITY FOR LOSS OF, OR DAMAGE TO, THE RENTAL VEHICLE (INCLUDING BUT... 阅读全帖 |
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S*******s
发帖数: 10098 | 18 http://www.consumersearch.com/search/reviews/%20life%20insuranc
According to agencies that rate financial strength &
Accoding to consumers and/or organizations like the Better Business Bureau
Voted as the top 2 choices: Mass Mutual and Northwestern Mutual.
((Mass Mutual has spent 50 years at the top of A.M. Best's insurance ratings.
It is one of the financially strongest life insurance companies at Weiss
Ratings -- the strictest of the ratings agencies, according to
ConsumerReports.org. It earns... 阅读全帖 |
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a**r
发帖数: 661 | 19 关于cash value whole life 的另一方意见
不愿意读全文的话就看最后一句
Don't do cash value insurance! Buy term and invest the difference.
--------------
http://www.daveramsey.com/article/the-truth-about-life-insuranc
The Truth About Life Insurance
from daveramsey.com on 25 Oct 2010
By Dave Ramsey
Myth: Cash value life insurance, like whole life, will help me retire
wealthy .
Truth: Cash value life insurance is one of the worst financial products
available.
Sadly, over 70% of the life insurance policies sold today are ca... 阅读全帖 |
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b****u
发帖数: 82 | 20 请大侠们给科普一下home insurance, home warranty, 和car insurance吧。先行道谢。
现在正看home insurance，听人讲home insurance要比car insurance便宜，home
insurance一般小于500刀，car insurance一般大于500刀。为什么我找的home
insurance都大于1000刀啊？对于东部50W的房子，home insurance是个什么价位？
还听到一个名词，home warranty，这两者的基本区别是什么啊？
我现在有个car insurance，听说可以把home insurance和car insurance合到一起会更
划算，可是我的car insurance还不到期，一般怎么操作？
最后，我现在的这个car insurance大于500刀，这个价位是当时买车时定的，现在车已
经不新了，想把car insurance的覆盖程度降低一下，因为车贷还没还清，需要给
lender沟通一下吗？ |
|
K*Q
发帖数: 1001 | 21 In my last article, I explained the basic differences between term and
permanent insurance. Permanent insurance such as Whole Life, Universal Life,
Equity-Indexed Universal Life and Variable Universal Life is regularly
promoted as the perfect retirement vehicle or the new way to build wealth.
This week I will expose the fallacies of those arguments.
First of all, I believe that the need for life insurance should be met in
the most economical way possible. With universal insurance, where life
ins... 阅读全帖 |
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G****u
发帖数: 26 | 22 补充一个信息：
How Accidents Affect Your Car Insurance Premiums
By Allison Bisbey-Colter
It can happen in the blink of an eye: you spill hot coffee on your lap, or
glance in the rear-view mirror to see why the kids are fighting and don’t
have enough time to react when the car in front of you slams on its brakes.
Once the shock wears off and you determine that everyone is OK, your next
thought is likely to be, “How will this affect my insurance premium?”
Practices vary from one insurance company to anot... 阅读全帖 |
|
d**l
发帖数: 897 | 23 Rank Insurance company or group Direct premiums written (in 000s)
Market share %
1 State Farm Group 15,487,405 21.06
2 Allstate Insurance Group 6,972,558 9.48
3 Farmers Insurance Group 4,636,833 6.30
4 Liberty Mutual Insurance Companies 4,088,561 5.56
5 USAA Group 3,461,409 4.71
6 Travelers Group 3,441,896 4.68
7 Nationwide Group 2,743,126 3.73
8 Chubb Group of Insurance Companies 1,792,814 2.44
9 Citizens Proper... 阅读全帖 |
|
|
s****s
发帖数: 20 | 25 Home-insurance premiums predicted to rise this year
By Becky Yerak
Chicago Tribune
Related
The options
SO PREMIUMS are going up; what's a policyholder to do?
The Consumer Federation of America provides tips at its Buyer's Guide to
Insurance on its website,consumerfed.org. The National Association of
Insurance Commissioners' site, naic.org, has a feature called Consumer
Information Source, where shoppers can find data about an insurer's
complaints, licensing information and key financial data.
Ot... 阅读全帖 |
|
m********a
发帖数: 1041 | 26 保險業者說,對某些自己買保險個人和小企業來說,明年保費可能會大漲.
Health insurers are privately warning brokers that premiums for many
individuals and small businesses could increase sharply next year because of
the health-care overhaul law, with the nation's biggest firm projecting
that rates could more than double for some consumers buying their own plans.
這跟歐巴馬行政團隊所說的保費會減少不一致
The projected increases are at odds with what the Obama Administration says
consumers should be expecting overall in terms of cost. The Department of
... 阅读全帖 |
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a******o
发帖数: 1197 | 27 I found this. It seems consistent with my insurance agent's words. But I'm
not sure if it applies to other states:
Fannie Mae Requirements
The Department received written confirmation that Fannie Mae does not
require the homeowner's insurance policy amount to be equal to the loan
amount. Fannie Mae's guidelines for determining the amount of hazard
insurance coverage are set forth in the Fannie Mae Selling and Servicing
Guides. For any first lien mortgage (excluding a reverse mortgage), required
... 阅读全帖 |
|
n*********e
发帖数: 25274 | 28 加大保险量,
you never know...
http://en.wikipedia.org/wiki/Umbrella_insurance
Umbrella insurance refers to a liability insurance policy that protects the
assets and future income of the policyholder above and beyond the standard
limits on their primary policies. It is distinguished from excess insurance
in that excess coverage goes into effect only when all underlying policies
are totally exhausted, while umbrella is able to "drop down" to fill
coverage gaps in underlying policies.[1] Therefore, an u... 阅读全帖 |
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A******s
发帖数: 288 | 29 一定要是Replacement Cost Insurance。很多Replacement Cost Insurance都要求较高
的保额。
*****
As you’ll see in any insurance guide, there are many choices when it comes
to choosing the best insurance policy and the features associated with those
policies. When you are insuring something like property or real estate, one
of the biggest decisions that you have to make is whether you want the
insurance company to reimburse you for your potential loss based on its
current cash value (Cash Value Insurance) or the amou... 阅读全帖 |
|
f*********n
发帖数: 11154 | 30 Handgun Magazine上看到的，关于枪支被盗和保险：
http://handgunsmag.com/tactics_training/stolen_guns_and_insurance_101910
March 2003, Artesia, Mississippi. Chris Vickery got the call that his
home had been broken into and arrived to find the front door knocked
down and a big mess inside. Thieves had made off with Vickery's laptop
computers, a camera and various other small items. They also emptied out
his gun safe.
...
Thieves also got a half-dozen shotguns and a rifle. Vickery was
understandably upset. But at l... 阅读全帖 |
|
p**8
发帖数: 3883 | 31 有小孩，有房贷的朋友，最好要买life insurance.
买了，就希望不要用到。
把保险费就当做给不幸家庭的捐款。
///
发信人: MyDora (家有懒猫－家有小宝万事足), 信区: SanDiego
标 题: 看到宝宝版的帖子我也来说说life insurance
发信站: BBS 未名空间站 (Fri Mar 8 13:46:03 2013, 美东)
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
... 阅读全帖 |
|
p**8
发帖数: 3883 | 32 有小孩，有房贷的朋友，最好要买life insurance.
买了，就希望不要用到。
把保险费就当做给不幸家庭的捐款。
///
发信人: MyDora (家有懒猫－家有小宝万事足), 信区: SanDiego
标 题: 看到宝宝版的帖子我也来说说life insurance
发信站: BBS 未名空间站 (Fri Mar 8 13:46:03 2013, 美东)
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
... 阅读全帖 |
|
p**8
发帖数: 3883 | 33 有小孩，有房贷的朋友，最好要买life insurance.
买了，就希望不要用到。
把保险费就当做给不幸家庭的捐款。
///
发信人: MyDora (家有懒猫－家有小宝万事足), 信区: SanDiego
标 题: 看到宝宝版的帖子我也来说说life insurance
发信站: BBS 未名空间站 (Fri Mar 8 13:46:03 2013, 美东)
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
... 阅读全帖 |
|
p**8
发帖数: 3883 | 34 有小孩，有房贷的朋友，最好要买life insurance.
买了，就希望不要用到。
把保险费就当做给不幸家庭的捐款。
///
发信人: MyDora (家有懒猫－家有小宝万事足), 信区: SanDiego
标 题: 看到宝宝版的帖子我也来说说life insurance
发信站: BBS 未名空间站 (Fri Mar 8 13:46:03 2013, 美东)
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
... 阅读全帖 |
|
s*******y
发帖数: 46535 | 35 【 以下文字转载自 LeisureTime 讨论区 】
发信人: avocado123 (雪地里的牛油果), 信区: LeisureTime
标 题: 看到宝宝版的帖子我也来说说life insurance (转载)
发信站: BBS 未名空间站 (Sat Mar 9 13:18:42 2013, 美东)
发信人: MyDora (家有懒猫－家有小宝万事足), 信区: SanDiego
标 题: 看到宝宝版的帖子我也来说说life insurance
发信站: BBS 未名空间站 (Fri Mar 8 13:46:03 2013, 美东)
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insuranc... 阅读全帖 |
|
A*******s
发帖数: 9638 | 36 Malpractice insurance is essential for practice. But someone says if you don
't have the insurance, you may not get sued since there is no money to lure
the attorney. Is that true?
Let's take a look at this interesting article:
What is colloquially referred to as “going bare”.
First, let’s agree to never use that term. It has its origin in the conduct
of doctors who literally carry no coverage and hide their assets (or so
they think…). It is unethical and it is stupid.
What we are talking about... 阅读全帖 |
|
l****z
发帖数: 29846 | 37 http://www.forbes.com/sites/theapothecary/2014/05/10/new-mckins
Avik Roy , Forbes Staff
One of the principal flaws in the coverage of Obamacare’s exchange
enrollment numbers to date has been that the press has not made distinctions
between those who have “signed up” for Obamacare-based plans, and those
who have actually paid for those plans and thereby achieved enrollment in
health insurance. A new survey from McKinsey indicates that a large majority
of people signing up are now paying for their... 阅读全帖 |
|
j*******8
发帖数: 260 | 38 Thanks for your kind reply.
My car insurance contract does not have options as to who should be primary
pip.
I asked my medical insurance to pay the bill after my car insurance told me
that they are not obligated to pay it under my policy. However, later I
found my car insurance should pay it. Now it looks like that my car
insurance refused to pay it because my medical insurance had paid it, even
if I told my car insurance that my medical insurance had asked for
reimbursement if I settle with m... 阅读全帖 |
|
S*******s
发帖数: 10098 | 39 http://www.nytimes.com/2009/04/28/your-money/life-and-disabilit
节选Buying Any Insurance
If two people the same age walked into an insurance agency, they could
easily end up paying two different prices for the same amount of coverage,
be it life or disability insurance. No matter how you purchase it — on the
Web, through an insurance agent or a financial adviser— insurance is not
like buying a house, a car or even a stock. The price is determined by a
range of variables from age and health to past... 阅读全帖 |
|
M****a
发帖数: 11261 | 40 【 以下文字转载自 SanDiego 讨论区 】
发信人: MyDora (家有懒猫－家有小宝万事足), 信区: SanDiego
标 题: 看到宝宝版的帖子我也来说说life insurance
发信站: BBS 未名空间站 (Fri Mar 8 13:46:03 2013, 美东)
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bene... 阅读全帖 |
|
a********3
发帖数: 26787 | 41 【 以下文字转载自 SanDiego 讨论区 】
发信人: MyDora (家有懒猫－家有小宝万事足), 信区: SanDiego
标 题: 看到宝宝版的帖子我也来说说life insurance
发信站: BBS 未名空间站 (Fri Mar 8 13:46:03 2013, 美东)
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bene... 阅读全帖 |
|
C*******t
发帖数: 766 | 42 The three companies that insure the majority of Protestant churches in
America say they typically receive upward of 260 reports each year of young
people under 18 being sexually abused by clergy, church staff, volunteers or
congregation members.
The figures released to The Associated Press offer a glimpse into what has
long been an extremely difficult phenomenon to pin down — the frequency of
sex abuse in Protestant congregations.
A word from our sponsor:
Catlin US offers specialty insurance and... 阅读全帖 |
|
o****n
发帖数: 9475 | 43 【 以下文字转载自 SanDiego 讨论区 】
发信人: MyDora (家有懒猫－家有小宝万事足), 信区: SanDiego
标 题: 看到宝宝版的帖子我也来说说life insurance
发信站: BBS 未名空间站 (Fri Mar 8 13:46:03 2013, 美东)
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bene... 阅读全帖 |
|
l****z
发帖数: 29846 | 44 Main Reason Behind These Limited Plans: Cost.
By ANNA WILDE MATHEWS
This fall, Indiana's new online health-insurance marketplace will present
some tough choices for consumers like John Nowak, who will be able to pick a
plan from his current insurer—or go for one that includes his primary-care
doctor.
That is because Mr. Nowak's current insurer won't include Indiana's biggest
health-care provider, 19-hospital Indiana University Health, in the plans it
sells on the consumer exchange. If Mr. Nowak ... 阅读全帖 |
|
W*******d
发帖数: 87 | 45 【 以下文字转载自 Boston 讨论区 】
发信人: WakeField (Pleasure*Island), 信区: Boston
标 题: 住Townhouse的，大家Condo Insurance都买多高coverage啊？
发信站: BBS 未名空间站 (Sun Apr 24 18:15:31 2011, 美东)
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 us... 阅读全帖 |
|
x*****i
发帖数: 79 | 46 很多公司提供Group term life insurance，但还是有不少人买Individual Term life
insurance。到底哪一种比较好呢？ 我先给大家介绍一下Group term life insurance
和Individual Term life insurance的利与弊。
1. Individual Term life insurance是个人直接通过保险经纪人向不同的人寿保险公
司买的term life insurance。通常有1年的term，10 year term， 15 term，20 year
term 和30year term。个别公司还提供25year term和35 year term life insurance。
10 year term表示在10年内保证保费不变。其他类推。
Group term life insurance 是公司员工通过公司提供的福利，经由保险经纪
人向人寿保险公司买的term life insurance。通常是1 year的term，需要每年注册加
入，保费可能每年不同。
2. Indiv |
|
发帖数: 1 | 47 熟悉中国国内房地产市场的人士都知道，当我们买房之后，会领到政府颁发的房产证。
该证件是肯定证件持有者对房屋具有所有权的官方文件。同时， 房产证还可以抵押给
银行用于贷款， 用于证明债权人对该物业的有条件拥有。
在美国买车后， 买主一般会得到官方签发的 Title, 这就相当于一份所有权证。该所有
权证 (title) 将随车的转让、变卖、赠与等一同进行，伴随车“终生”.。但在美国买
房后，在所有交割文件中， 却找不到 Title 文件。也就是说，没有一份文件来证明业
主真正的
“拥有”这个物业。这是为什么呢？这与美国房地产市场长期的私有制度有关。美国土
地交易的历远远早于现代规范交易制度的建立。要证明一块土地的所有权，需要证据而
不是证明。理论上必须追溯该土地交易的所有历史记录， 否者，在法律上就会有漏洞
。比如有一块土地， 当前的业主(Owner-0) 要卖该土地给 Owner +1, 如果 owner+1
要取得土地的 Title （所有权证书）， 理论上，Owner-0 应该出具文件，证明（1）
他是合法从Owner-1 处获得该土地的（继承、被赠与、购买），（2）还要证明他在持... 阅读全帖 |
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j*r
发帖数: 299 | 48 The owner of the other vehicle should make a auto damage claim to his
Michigan insurer. His MI No-Fault insurance will apply and his own insurer
should cover the auto damage to his vehicle. He will, however, be eligible
to make a at faut tort claim against your insurance, in order to recover the
deductible amount he will have to pay to his own insurer. This is usually
around $500, but it can vary. You should provide him with your insurance
company name, phone number, and the claim number you... 阅读全帖 |
|
Y*******Y
发帖数: 595 | 49 CEA doesn't provide earthquake insurance to client directly, you have to get
the CEA insurance through an insurance company/agent. But not all insurance
companies in CA offers CEA earthquake insurance. CEA earthquake insurance
is much cheaper than the private earthquake insurance some companies offer.
We provide CEA insurance through Farmers Insurance Group. Jennifer Zhou
Insurance Services, 858-633-6669 or 858-453-7649. website: http://sites.google.com/site/zhouinsurance/ |
|
M****a
发帖数: 11261 | 50 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 |
|
