Archives for March, 2008

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Passing an insurance exam….?

Posted on Mar 25, 2008 under Insurance Information | 92 Comments

Has anyone recently took an insurance exam, i have taken it twice and cannot pass it :-( HELP!

Religion or fire insurance?

Posted on Mar 25, 2008 under Insurance Information | 822 Comments

Why do so many Christians focus on hell and punishment when they're promoting their religion? Do you really think this is the best way to attract people to your religion? Why not emphasize the love and forgiveness of Jesus, and the eternal reward you'll receive if you accept him?

When you tell people they should join your religion so they don't go to hell, it makes me wonder about your own reasons for believing. Do you believe what you do because you look foward to heaven, or because you fear what will happen if you DON'T believe?

And do you understand why threatening people with hell doesn't work? If they don't believe in your hell, it won't scare them into signing up. You have to show people what they stand to gain if you want to convert them. Threatening them with hell will just turn them off.

Do I still have to keep home insurance on a vacant home if I'm negotiating a short sale or can I cancel it?

Posted on Mar 25, 2008 under Insurance Information | 23 Comments

I'm negotiating a short sale with the bank. Do I still have to keep home insurance on my house (payment included in the mortgage) or can I cancel my insurance and get reimbursed for the remaining premium. Won't the bank have to carry the insurance if the short sale is accepted? Also the realtor I am working with is asking me to hire a pool service and lawn care service company to up keep the house since we are leaving it vacant and for curb appeal for the house to get sold. I can't afford to pay this extra money. Do I have to hire these services or simply tell the realtor I can't afford it. Also, I can't afford to carry utility bills on two houses right now can I just cancel the utilites on the house being short saled and have the potential buyers have the utilities turned on for inspection or am I required to keep the utilities on? Is the debt forgiveness forgiven completely or do I still have to request a satisfaction and wil a VA loan also fall under the new forgiveness act?
My realtor is stating that if the bank assumes a short sale then I don't necessaily have to keep the insurance they have to automatically insure it themselves, is this correct? Also we care moving out of state and won't be having any jobs it will be hard for us to hire a lawn & pool service to care for the vacant property like our realtor wants us to hire. We are also temporarily shutting off the water and power so we won't have a bill while searching for jobs in the new state. Our realtor already has the short sale price set at $98,000 more than what we owe the bank and is being listed as is. So people lookin at the property will know it's vacant and short sale will they still expect the house to be ut grass and sparkling pool. They will be getting a below market value home already and that is minor stuff the house is imaculate structure wise and needs nothing done to it just freshly painted in and out and kitchen remodeled so will it not sell if grass and pool are not up kept.
I will be keeping the insurance on the house just wanted to see if the realtor was telling me the correct information. Also, we are moving out of state because of personal and medical reasons it is forcing us to move in with family and we can no longer afford the house, I am unemployed and my husbands full time job got reduced from 40 hours a week to 30 hours a week so it has become inpossible for us to keep the house. I'm not completely shutting off the utilities just temporarily until we can establish jobs to be able to pay the utility bills again.

i fibroids tumors and no insurance where can i get heip.?

Posted on Mar 25, 2008 under Insurance Information | 17 Comments

i lived in houston texas. is there some type of study i can get in here.

weather any Cornerstone insurance company exsist in nigeria as i got a job offer which i think a fraud case?

Posted on Mar 25, 2008 under Insurance Information | 1066 Comments

UK insurance for learner driver on parent's cover?

Posted on Mar 25, 2008 under Insurance Information | 11 Comments

I have a provisional liscence and am currently taking drving lessons. My father has offered to give me practice/tuition in his car but we don't know where we could get cover for a learner to be added on to his cover.

Does anyone know a cheap as possible insurer where a learner could be added onto the parents cover?

My father has had a full liscense for 40 years and has had no convictions/accidents etc if this helps.

thank you!

can i get icici life insurance(ulip), is it good for investment also, plz suggest me?

Posted on Mar 25, 2008 under Insurance Information | 1873 Comments

Do i need to report an insurance settlement i receive to the irs if it was 2k? Where do i report that?

Posted on Mar 25, 2008 under Insurance Information | 28 Comments

Auto insurance company refuses to pay expeses in full, do I have to go to court?

Posted on Mar 25, 2008 under Insurance Information | 16 Comments

I was in a car accident about a year ago. Other party's fault. Now I'm getting a settlement letter from the other party's insurance: they're only willing to pay $500 of $1000 of my car rental bill. They say the car was in the shop unreasonably too long. It was just after the hurricaine last year and all bodyshops were way behind due to all the cars damaged by force majeure. I tried to bargain with them, but they would not budge. Do I have to take them to court? Is it worth it? What else can I do?

Can anyone stop payment of life insurance from getting issued?

Posted on Mar 25, 2008 under Insurance Information | 9 Comments

CAN ANYONE STOP PAYMENTS FROM LIFE INSURANCE FROM GETTING ISSUED

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