which inusrance we will pay for ourselves.?

Posted: Sun Sep 09, 2007 04:35 pm Post Subject:

I have learned from experience, that ll insurance is important. Also to have the right coverage, and not to skimp on getting homeowners.

When my first husband and I were married, we were going to go for the very minimum on our new(new to us) home. My dad was in insurance since I was young, and convinced us to go higher, we did, and I was glad.

Two days after moving in, an electrical fire started in the kitchen, and my husband had to jump out of the window to get out of the house.

The insurance company was wonderful- they came in sprayed the house, got the house fixed better than what it was to begin with.

The old addage-you get what you pay for-is so true!..Karen :D

Posted: Mon Sep 10, 2007 08:57 am Post Subject:

You are partially right about health insurance. You can receive health coverage from your employer through group health insurance plans but these may or may not cover all your health related needs. In that case you need to buy personal health insurance from private health insurance providers. Personal health plans are more expensive than the group health plans but they also offer wider range of benefits. :)

Posted: Mon Sep 10, 2007 09:26 am Post Subject: critical illness example

Absolutely Karen!

You know..once my niece had been diagnosed with a critical illness and she was not being able to work for a considerable period of time...and she was pretty much satisfied with the nature of disability benefits that she was getting from her insurer. Little did she know about the benefits that she'd have got in case she had a critical illness in place!

I'm sure she'd have been more benefited had she got the entire value of the policy that comes once a critical illness is diagnosed. Thats why I feel its important to figure out which policy provides what benefit well before you apply for one. Thanks for this point, fatman

Posted: Mon Sep 10, 2007 05:17 pm Post Subject:

Your are welcome fatman! Being raised with insurance adjusters, I have always looked at the fact of-you my never need to file that claim, but if you do, you want to make sure that you are properly covered.

When I was in an auto accident many years ago, the other guys agent was trying to get me to hurry and settle. I was in my late 20's and just wanted it to be over with. I called some friends that worked for my dad at the insurance company and they helped alot.

The coverage we have on our autos, home, etc., we pay a little more- but it has paid off in the long run.

The adjusters who we have are wonderful and have called me over the years to offer suggestions on our policy, and have been a big help when we have had to file claims, etc. They are there to help and answer your questions..Karen :D