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How does AD&D Insurance differ from Life Insurance?

I understand a little about how AD&D works (for example, if you lose a leg you get x% of your benefit), but who is it for? If I have Life and Medical Insurance, am a white collar worker, and do not engage in dangerous hobbies, why would I need it? By the same token, why not get AD&D instead of Life insurance (since the AD&D plan I looked at had a death benefit)? AD&D seems like a waste of money (of course I've just jinxed myself). Can someone please enlighten me?...

   








On May 1. 2011, a firm purchased a 1-year insurance policy for $3,600 and paid the full premium in advance.?
Individual health insurance?
Does health insurance increase healthcare costs?
Which car has a cheap insurance for a 17 year old male?
Is there a way to borrow someone else's address for car insurance?
Cheapest cars to get insurance on in the uk?
Car insurance turn me in for dui?
I need some general information about the cost of a motorcycle versus a car?
How much to repair sideswiped car? (picture)?
If I go under my parents car insurance, is it cheaper ?
Is the auto-insurance claim information shared if I switch the insurance company?
Speeding ticket and insurance question?
Begginning drivers and insurance?
Should I quit a job that offers no health insurance?
Car Insurance and DVLA?
Car insurance for honda civic 2006?
What is dental insurance and how much does it cost?
Life insurance payouts?
Should my 85 year old grandparents but life insurance?
Unemployed 18 to 25 year olds forced to have health insurance under Obamas plan?
Can i have a health insurance when i have business?
How can we make College affordable?
Car accident with no insurance?
Does life insurance cost more if someone is in a seemingly dangerous profession?
Need information on affordable senior health insurance?
Sure insurance companies cant refuse to sell you insurance because of a pre existing condition but what stops?
Which company gives cheapest quotes for car insaurance ?
Car insurance help in NC?
Insurance for a motorcycle in Toronto.?
Is there anyway we can boycott all the 'LOOKING FOR CHEAPER CAR INSURANCE ADS'?!?!?
Do life insurance provides coverage that makes payments to replace income of the insured once the person is incapacitated?
Car insurance......Anyone else's gone up this year?
How do I get health insurance?
How do I get health insurance?
What's the best pet insurance ?
Help for purchasing Private Health Insurance?
Does medical expenses show up on my health insurance?
Cheap health insure in california?
Crudentials for cheap insurance for 17 year olds?
Which is the best company to provide affordable individual health insurance? or best way to getting one?
Affordable Car insurance for an 18 year old male?
What is the best car insurance company for young drivers ? HELP!?
Auto insurance low monthly payments?
Homework! VW beetle insurance... rough ideas?
Health insurance question?
For the Dim/libs who criticize insurance companies for being to expensive and unfeeling to the sick?
Is it ok to buy myself a brand new car for my first car as a teen?
Why is my car insurance the same price?
Riding a 125 motorbike on fully comp car insurance?
Can you get a car insurance only for 6 months?
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A question about car insurance?
Does your insurance drop when you have a baby? I know it does when you get married, but I wasn't sure about having a baby. Thanks!"


I dont get car insurance?
i dont get it both cars have the same 1.2 engine. i just think 5doors are better .


What aspects of insuring a car make it cheaper?
I'm new to insuring a car, i haven't bought a car and i'm open to ideas. I know i'm looking for a small engine around 1.0 litre but what else helps to keep the insurance as low as possible? And i've heard Ford KA's are one of the cheapest cars to insure? Any help and advice you give me about what to look for and insurance would be very appreciated Thanks, Drew :)"


Can we get health insurance with just part A only in medicare?
looking for supplemental insurance with just Part A on my social security medicare who would be good to contact?


Full coverage Insurance question ?
Would I be covered if my fiance puts me on his full coverage insurance? I just sold my car so I will be driving his until I get my new one. I canceled my insurance. So I need to know if I need to have my own insurance, or if I will be covered by him just putting me on his. Thanks guys."


Does Aetna medical insurance cover fertility procedures?
Does Aetna medical insurance cover fertility procedures?


Do the extremely rich buy health insurance?
Do the extremely rich buy health insurance?


Where can I get really cheap car insurance?
My mom is paying around $1100 for my car insurance right now and I'm 17. Is there any insurance company that charges way less than that for girls? Any suggestions would be helpful :)


"Deploying and no long need car insurance, will rates go up when I get back?"
I'm leaving in January of 2011, but I'm also going to a new MOS school from July till Sept. If I don't have car insurance from July 2010 till January 2012, will my rates be higher when I get back and get insurance again?"


How do I find out my car insurance rates before I get a car?
I haven't bought a car yet because a lot depends on how much insurance will be. I'm a 27 single female living in Boston, I've had a license since 18 but never drove so it expired and I recently renewed it. I don't have anything on my record. I would be the only person on the insurance. I went online but they required the make and year of your car to calculate the rates."


No Health Insurance?
I have no health insurance and currently unable to afford any coverage at this time. If I become ill and go to a county hospital will they take the equity from my home to pay the hospital bill at the time of my death. I guess will they place a lien on my home. Any info would be helpful.


Is there a health insurance company in los angeles california thats free or cheap?
I dont have enough money to afford regular health insurance any suggestions?


Does health insurance keep costs up?
Since people arnt shopping around and if it covered they won't care about the price? I noticed many things not covered by insurance are cheaper.


Has anybody had any experience with Ameriprise Auto and Home Insurance.?
Costco sent me a letter for a free quote and they offer a great rate just wondering on service and quality


Classic Mini Insurance? Help?
Hi, I have a classic austin mini mayfair 998cc and 1989 year. I got quotes before on classic insurance at around 900 from footman james but now they have a new policy where they wont give insurance to anyone under 21. Ive tried all compare the market and other places but the cheapest i can find it for is 1600 fully comp. Can anyone help? ive tried other mini insurers like adrian flux but there around 2500! please help!"


How does AD&D Insurance differ from Life Insurance?
I understand a little about how AD&D works (for example, if you lose a leg you get x% of your benefit), but who is it for? If I have Life and Medical Insurance, am a white collar worker, and do not engage in dangerous hobbies, why would I need it? By the same token, why not get AD&D instead of Life insurance (since the AD&D plan I looked at had a death benefit)? AD&D seems like a waste of money (of course I've just jinxed myself). Can someone please enlighten me?...


Anyone ever heard of business car insurance to do a homecare job?
Hi I have applied for a job and been told i got it now they saying i need business car insurance because its a homecare job and its to stop being towed away or clamped anyone ever heard of this and what is it


My car stolen and insurance company is delaying claim?
My car was stolen at my school, after calling the police and everything. I was asking people at school for a ride home one girl told me she was busy and asked her friend to drive me he agreed. When I notified my insurance, he asked for a recorded statement which I gave. Then he wanted the name and contact numbers of the two people I asked for a ride a home. Which took a while to get yet i still got them a gave them to the guy. After they contact the adjuster, I called to try to see whats going on with this claim because its been over 30 days and I am trying to replace my stolen car. He says there are some difference in the three statements he recieved and he has to file some notes and contact me later. I later called the other two people and asked what did they say and to me it seemed the same just in different person view and they also told me they did not remember alot...Can these people cost me my claim? I cooperated and did everything..How long can this take? What else does he need"


Can a car insurance company take me to court for un paid fees?
I canceled my car insurance with kwick fit a while ago now, because I couldn't afford it any more (290 a month). When I phoned to cancel it they told me I had to pay 390. This is because of a discount they gave me, witch because I canceled before the full 12 months they wanted back. I think the assistant on the phone symphasides with me about how ridicules this amount was to cancel an insurance policy. He told me if I didn't pay this fee kwick fit would try and take it out of my bank every day for 21 days from a certain date. I spoke to my bank and they told me all I can do is keep my bank account empty. So I did that then after about a month or two I start getting phone calls and letters from a debt collecting agency. They would send me a one off offer"" every couple of weeks with the price going down"


Insurance question HELP PLZ?
On the insurance to get a quote, it says to list all the violations within the last 3 years. I have got one speeding ticket but was cleared because i took the Stop Class. So do i have to put this down as one of the penalities"


Do car insurance companies check police records?
I was in a car accident involving 4 people 2 months ago (pile-up) but the accident wasn't my fault. I made a police report on the spot, but took care of the repairs myself because I knew the insurance company would raise my premium. I was recently involved in an accident in another city and I did make a claim. The insurance company is paying for it, but I fear that they will find out about the other recent accident in the other city and think that I am lying and make me pay them back. Will they check with just the city I made the claim for or will they find out about the other claim? If so, how can I prove my innocence if the recent accident wasn't reported to the police? Am I screwed?"


What is comprehensive auto insurance?
What is comprehensive auto insurance?


Do insurance companies consider a 1985 Monte Carlo SS a sports car. Wondering what insurance would cost.?
Do insurance companies consider a 1985 Monte Carlo SS a sports car. Wondering what insurance would cost.


Car Insurance for 4 months?
Hi guys, I'm back with my parents for about 4 months, and I would like to drive the car. To do this, obviously I need to have insurance activated (secondary driver). They are saying that they need"" to charge me for a year that. Saying that I might come home and drive the car. Meaning"


Pit Bulls and Home owners insurance?
I just do not want to cause family issues. As he will be paying rent for the apartment. Its really stress full dealing with him. He has tons of pets all are disposable. He had 4 cats in the last 5 years all are gone now. He has had 2 dogs in the last 3 years he got rid of them both and he still has a shih tzu that's his wife's dog. My mother actually told him he could get any breed that the insurance policy will allow.Pits are not allowed.


How many year does it take for auto insurance to lower young driver rate?
if i start at 16


What option should I choose for my car insurance?
I did a little test to check quotes when it came to auto insurance through Progressive. I found that I would pay less a month for choosing the option that I have had insurance for the past five years, but when I choose I haven't had insurance it charges me more per month. I technically have not had insurance before. My last vehicle was on my brothers insurance policy and I was listed as an Additional driver. So should I choose that I haven't been insured? I obviously wouldn't drive without insurance, even though I do live in a state that does not require it - but I don't want to give the notion that I have been either. There's not an option for new drivers who just didn't have insurance because they never had a vehicle before. So I am totally confused as to what option I should choose. Thanks!"


What is the best 50cc moped/scooter's around insurence wise?
For my 16th Birthday my dad is going to buy me a second hand moped, I have a budget of 400. I have to pay for my own cbt, licence and insurance. What are the best mopeds when considering insurance? Or are they pretty much all the same? Some friends have told me to avoid the 'Chinese/Japanese' makes if I want to get a good insurance deal, is this true? Are there any other types I should avoid? Thanks so much!"


What Is The CheapesT Car Insurance For Young Drivers ? In Ireland?
What Is The Company And Website, For 18/19/20 Year Old Drivers, Drving A Seat Ibiza 1Litre


Question about life insurance?
If I died and my kids are 19, 15 and 11, would the life insurance company wait till all three of them are over 18 before they pay out or would they give some money to my 19 year old and give the rest to the other two when they turn 18?"


Auto Liability Insurance help?
SO how old do you have to be to have only liability insurance? My son got his license and I might only get him liability insurance cause its cheaper. But, some people told me you have to be 18 to have only liability"


How does AD&D Insurance differ from Life Insurance?
I understand a little about how AD&D works (for example, if you lose a leg you get x% of your benefit), but who is it for? If I have Life and Medical Insurance, am a white collar worker, and do not engage in dangerous hobbies, why would I need it? By the same token, why not get AD&D instead of Life insurance (since the AD&D plan I looked at had a death benefit)? AD&D seems like a waste of money (of course I've just jinxed myself). Can someone please enlighten me?...


What is the difference between whole life insurance and term and which would be better for a 77 year old male.
What is the difference between whole life insurance and term and which would be better for a 77 year old male.


How much does it cost for motorcycle insurance for a 16 year old?
I'm looking to buy a 1985 HONDA NIGHTHAWK 450 that's worth $1100 and am looking for some support and advice about the insurance I need and how much it will cost per month. Can anyone help me ?


Need a MRI and obgyn but don't have insurance?
I have had abnormal vaginal bleeding for a month and I found out the other day I have a tumor on my uterus and need a MRI and see a OBGYN but I don't have insurance. Would they just bill me? I'm low income and on work comp right now so it's even lower. I am applying for cmsp that's california state assistance but I won't have it by then


What should a 16 year old expect to pay for insurance?
2004 Jeep Grand Cherokee, Blue, commute to school 5 days a week 8 miles away from home."


How much is car insurance for teens ?
I live in California


Is it worth coveriong your sport bike in your insurance or is it best to just cover liability?
Covering your own bike literally triples the yearly rate, as in, your paying more for insurance than the actual bike. Is it really worth covering or should i just suffer my losses. Thanks to all and any veteran riders out their for opinion."


Will a guys health insurance cover his girlfriends pregnancy?
not married, she dosen't have insurance. Will his insurance cover it since its his baby?"


Cheap Auto Insurance Deals?
Whats the best car insurance deal you know?


Who pays? Auto or Health Insurance?
I was rear-ended and suffer with neck/back pain. Had hospital, ambulance and doctor's bills that my HEALTH insurance paid minus my co-pay with no questions (<$1,500. minor accident). Her AUTO insurance company has paid me a settlement that includes payment for my medical bills. I'm in Texas. (1) Will HEALTH ins. want to be re-paid? Meaning, is HEALTH primary or AUTO primary? (2) Can/Should I also file this on my PIP auto policy? Is TEXAS a state that allows double-dipping?"


Do you have life insurance?
Do you have life insurance so that you can leave your children with something in case something happens to you? How much?


What would be a good price quote for motorcycle insurance SR-22?
I baught a motorcycle about a month ago and got it running last weekend. I only paid $400 for it. I need SR-22 insurance to get my license back and was wondering what is fair to pay for such insurance on a motorcycle worth no more than $400.


Will car insurance cost more if i fail my road test?
I just failed my G1 exit test, and I am wondering if this will affect my insurance once I do pass"


Do you have to pay insurance for the driver or the car?
my friends keeps telling me her parents wont let her get he license because it is 2,000 dollars a year to have a licence, for like insurance. Don't you only have to pay for a car? like if she was to not own a car and just borrow her parents when needed would she still have to pay insurance? I am so confused haha"


What's the cheapest Healt Insurance Plan?
I'm from Newyork My salary is $2000 before taxes. I need cheaptest health insurance. Could you give me any health insurance company's prices?


Is staying unmarried the best INSURANCE for being happy?
i think marriage cause a lot of problem, its like a contract hard to get out, you can get the same amount of happiness by live together with your spouse, so is staying unmarried the best insurance for your happiness?"


How does AD&D Insurance differ from Life Insurance?
I understand a little about how AD&D works (for example, if you lose a leg you get x% of your benefit), but who is it for? If I have Life and Medical Insurance, am a white collar worker, and do not engage in dangerous hobbies, why would I need it? By the same token, why not get AD&D instead of Life insurance (since the AD&D plan I looked at had a death benefit)? AD&D seems like a waste of money (of course I've just jinxed myself). Can someone please enlighten me?...