Insurance Review from Liberty Mutual: auto, home, life and commercial

Free Resources: point

• How can my husband open a life insurance policy?
  We recently found out we are expecting a baby and need to open a life insurance policy in case something would happen to him so we'd be taken care of. We have insurance that is paid for by his employer. How do we go about getting life insurance? Is it added to our existing medical insurance, or... (point)
• Why home insurance companies are sensitive to lapses in the insurance?
  When I shop for a home insurance I am always asked if my home is currently insured or if there are lapses in my insurance policy. Some companies outright refuse to give me a quote when I tell them that I haven t had home insurance in the last 3 4 months. I am wondering why this... (point)
• What type of life insurance do you have and why you have it?
  I used to own whole life insurance until I learned the hard way about the truth behind it. A life agent said cash value was a great way to build savings for retirement and that I can use it anytime. That sounded pretty great and so me and my husband bought it. About 28 years later, he... (point)
• Life insurance?
  I need to get life insurance but I have heard that you do not get the policy on yourself but that your spouse is supposed to get one for you. What is the difference? I need to get life insurance but I have heard that you do not get the policy on yourself but that your spouse... (point)
• What exact is whole life insurance, and how do life insurance companies profit from selling it?
  Agents are always extremely keen about selling my family whole life insurance instead of term. According to the agents, whole life is preferable to term since it does not expire and as a result the beneficiary is guaranteed some payment upon the death of the insured. However, why would the insurance company profit from such a setup... (point)
• Why are some Americans so against universal health care other than the obvious, i. e. higher taxes ?
  Here in Canada, you have to have proof of car insurance before you can get your license plate sticker. They should do that in the U. S. as well. Here in Canada, you have to have proof of car insurance before you can get your license plate sticker. They should do that in the U. S. as... (point)
• How to get auto insurance from a state that your college is in rather than your resident state?
  I live in New Jersey where the auto insurance is relatively expensive. However, I go to college in South Carolina where the auto insurance is a lot cheaper than in New Jersey. How can I get the cheaper South Carolina auto insurance? Do I need a South Carolina driver's license to do this? Should I buy a... (point)
• How do I help families not see life insurance as a bill but rather protection for their family?
  I am on a crusade to help families become properly protected create an immediate estate in case of a loved ones untimely death. Of lately, prospects see life insurance as another bill. Although it is can any life insurance agent please share with me how they get around to making sales in the life insurance industry? Thank... (point)
• How do I help families not see life insurance as a bill but rather protection for their family?
  I am on a crusade to help families become properly protected create an immediate estate in case of a loved ones untimely death. Of lately, prospects see life insurance as another bill. Although it is can any life insurance agent please share with me how they get around to making sales in the life insurance industry? Thank... (point)
• What is the difference between acci death life insurance and regular life insurance?
  What is the difference between acci death insurance and regular life insurance? Which is a better buy? Would not all deaths excluding illnesses be accident? If you only buy life insurance and do not include acci death insurance then what is usually excluded? Thanks! I know its different for every insurance company, I am just wondering what... (point)
• What is the best health insurance and life insurance policies?
  What is the best health insurance and life insurance policies? I am recently out of the military and need to purchase an individual health ins policy. However, I am not sure which ones are the best. I am a student, do they offer any good student policies? Also, is the SGLI to VGLI conversion a good change... (point)
• How do life insurance agencies make their profit?
  I have a few questions here and thanks in advance. Can anyone please explain how do life insurance agencies or financial advisory agencies make their profit? Is that true that the life insurance companies are paying around 100 of total first year premium to the agents? How do the agencies split that with the agents? I would... (point)
• What life insurance is best for a husband and wife who are newly pregnant?
  My sister and her husband just found out they're pregnant, and now her husband is researching life insurance. Which is best for a new family? They make average income for a couple. I meant more along the lines of which is best, Universal Life, Term Life, Whole Life, etc. ? They do have an insurance company already.... (point)
• Where can I Find Reliable Cheap Life Insurance Quotes?
  I recently started a home internet based business. When I was just starting out I went without insurance for a while. Now that things are going well I would like to buy a life insurance policy. There are a ton of life insurance sites, but most of them seem biased or focused on an individual provider. Where... (point)
• life insurance?
  I would like to get life insurance, I am single, going to be 23 years old, I do not need anything major but i would like enough to pay off all of my bills and student loans, if something should happen. What would you recommend getting. I have done a google search but that just overwhelmed me... (point)
• Life Insurance?
  My husband, 32 and I, 30 are looking into life insurance. Can anyone tell me which company or websites I can use to get information. There are so many out there. would not know where to start. Who do you personally use? Is there a medical exam involved? What type of premiums are you paying? Is it... (point)
• What about health care in America? Other countries offer FREE health care. We're chopped liver?
  of the MOST expensive health care in the world! It is even reflected in travel insurance. Plus, residents are often taxed at a 60 or higher rate to pay for the social programs. of the MOST expensive health care in the world! It is even reflected in travel insurance. Plus, residents are often taxed at a 60... (point)
• How do life insurance agencies make their profit?
  I have a few questions here and thanks in advance. Can anyone please explain how do life insurance agencies or financial advisory agencies make their profit? Is that true that the life insurance companies are paying around 100 of total first year premium to the agents? How do the agencies split that with the agents? I would... (point)
• Life Insurance?
  My husband, 32 and I, 30 are looking into life insurance. Can anyone tell me which company or websites I can use to get information. There are so many out there. would not know where to start. Who do you personally use? Is there a medical exam involved? What type of premiums are you paying? Is it... (point)
• Do life insurance companies check your medical records after you die?
  Let's say that you get life insurance and claim to be a non smoker. Then let's say that you start smoking or resume smoking. uming that your medical records show that you smoked, will most life insurance companies check your records, see that you smoked, and then cancel your benefit? Let's say that you get life insurance... (point)
• what is term life insurance
  Insurance that covers the insured for a specified period such as one, five, or 10 years, often with an option to renew. Premiums are paid throughout this time, but generally become. Insurance that covers the insured for a specified period such as one, five, or 10 years, often with an option to renew. Premiums are paid throughout... (point)