Reader Mail

October 2006 - Posts

I am an American living and working 80% of my time in Central America.  My employer is having a difficult time finding a company that will insure me.  I have heard of a company called Denmark that is supposedly offers health insure world wide.  Do you Read More...
Posted on October 26,2006

I have just purchased a condo down the lakes of the Ozarks in Missouri. It is a second/vacation home that my wife and I plan to put on a part time rental program which will enable us to get income from it; we will also be using it ourselves from time to Read More...
Posted on October 21,2006

A broken dishwasher apparently caused damages in the owners unit. Does the condo insurance cover these damages or is it the responsibility of the owner's insurance? Also, is the dishwasher considered part of the condo if it is of an unknown original Read More...
Posted on October 21,2006

I am interested in finding out what companies actually write flood insurance policies for Marco Island, Florida. I have been told by my present agent and others that Citizens is the only company that insures in this area. Before I fill out a lot of forms Read More...
Posted on October 21,2006

I am trying to locate a current phone number to followup on a life insurance policy of a deceased family member. The company is Equitable Life Assurance Society of US.Answer:Equitable Life appears to be "AXA Equitable Life" now.Here's the information Read More...
Posted on October 21,2006

I have accidental death insurance through the Stonebridge Life Insurance Company of Valley Forge. To make a long story short, the housing authority I have to deal with wants to know the cash surrender value of this policy. What is this and how do I find Read More...
Posted on October 17,2006

Where can I find the rating for service on an insurance company?Answer:A rating for customer service is harder to find than a financial rating for a company -- but much more important in my opinion. I don't have any information on where you are located, Read More...
Posted on October 13,2006

I have two policies that I have located in my mother in laws paperwork.  I need to know how I can contact these companies:   Caroline Life Insurance Company, Columbia, SC   Liberty Life Insurance CompanyAnswer:I've looked up these companies on the South Read More...
Posted on October 13,2006

Do you sell auto Insurance to residents of the state of Florida?Answer:No: we don't sell insurance of any kind. What we do is provide you with great information on when to buy insurance, how to buy insurance, and what insurance you really need. In other Read More...
Posted on October 13,2006

My husband and I are trying to locate an insurance company that we are not sure still exists.  We found an insurance certificate from "Home Life Insurance Company, New York".  There is no address or contact information on the certificate, which was Read More...
Posted on October 12,2006

I am trying to find an address for Ameritas Dental Insurance, which has taken  over the dental insurance coverage for Guardian.Answer:I found this company under the name "Ameritas Group" online. They have a number of insurance products, including dental Read More...
Posted on October 10,2006

Do you believe there should be mandatory home inspections by a licensed & insured home inspection company prior to an insurance company insuring home buyers? Answer: I suspect this could just make the whole process of getting insurance more expensive and Read More...
Posted on October 4,2006

I am in search of Individual Dental lnsurance, not discount insurance, Most websites offer the discount insurance but I am not interested in that. I live within a 30 mile radius of Kansas so would prefer to do business with a company in the Kansas City Read More...
Posted on October 4,2006

We have been looking at a house to purchase that had a "grow-op" in the crawl space. The operation lasted approximately from June to November '04. Would getting insurance be a problem? Do we need a qualified engineer to provide air quality/mould present Read More...
Posted on October 4,2006

Does the NFIP pay the policy limits under one of its issued policies, when the estimated cost of repairs plus cost of compliance with current codes amounts to a sum less than the policy limit, as regarding a primary residence that has been determined to Read More...
Posted on October 4,2006

First of all, I plan to put new hardwood flooring in my unit to replace worn out carpeting in 80 per cent of the unit. The president of the board, says he is to be involved.  What is his (the Board's) legal status in this matter, if any?  The Board has Read More...
Posted on October 4,2006

My son was involved in a very minor incident late last year. He was reversing out of his mate's driveway and made a minor contact with a car across the road. He caused a minor graze and a small dent. He was able to remove the paint from the woman's car Read More...
Posted on October 4,2006

I am in search of an old life insurance company. The company was calle Kentucky Life Insurance. The policy I have was purchased in 1964. I was hoping you might have some information about a change in name or something I could go by to inquire about this Read More...
Posted on October 3,2006

I am searching for a company that is called North American Benefit Association.  It was a life insurance company back in 1983.  Answer:I looked for this company on the Pennsylvania Department of Insurance, and couldn't find it. However, the Department's Read More...
Posted on October 3,2006

If a patient has been denied services due an exclusion on the medical policy, or due to not meeting the medical necessity criteria, will the department on insurance hear the case to insure that the decision is appropriate? If so, how do we contact the Read More...
Posted on October 3,2006

I live in South Carolina and I need to know if I need Workers Compensation if I have no employees.  I have started an LLC with my partner.  If I don't need Workers Comp, what do I need?Answer:If you don't have employees, you generally don't require Read More...
Posted on October 3,2006

If I am in an accident and the damage to my vehicle is more than what the vehicle is worth, can I still keep my vehicle without handing it over to the insurance company after they pay me out?Answer:I spoke with an insurance industry expert in Toronto, Read More...
Posted on October 3,2006

I'm a male age 60. I had 5 bypasses in mid 2003. I've submitted an LTD claim on the advice of my top management because of continuing cardiac and mental problems. Of the three physicians that submitted statements on my claim, the cardiologist has doubts Read More...
Posted on October 2,2006

I am a home owner and I have a pitbull. Do you know of any insurance agencies that will cover me? I will even take a policy that excludes the dog.Answer:This is a significant problem for any and all dog owners if their animal is deemed a "dangerous Read More...
Posted on October 2,2006

Do you pay Federal and State taxes on the monies received from Long term disability checks?  When I received my check, I paid for Medicare and Social Security but not Federal taxes? Answer:If you pay for your disability coverage out of your own pocket Read More...
Posted on October 2,2006

How do I change the beneficiary on my insurance policy?Answer:In most cases, you will have to do this in writing to your insurance company. A dated and signed letter from you is all that is required. Be sure to include your policy number and any other Read More...
Posted on October 1,2006

I have recently learned that a parent has been holding a life insurance policy for each of my siblings and I. It has been brought to our attention that we can now take these policies over. What does this policy require? What are the cost of payments Read More...
Posted on October 1,2006

I am in need of information on any insurance companies that cover the cost of the lap band surgery.  I have done all I can do in order to help fix my problem on my own and I don't know what else to do.Answer:This is a big decision, as you know. Lap band Read More...
Posted on October 1,2006
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