human stories
Do you have to pay back insurance money?
If you outlive the policy, you get back exactly what you paid in, with no interest. The money back is not taxable, as it’s simply a return of payments you...
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Who opposed the ACA?
The Patient Protection and Affordable Care Act (ACA) was passed by a Democratic Congress and signed into law by a Democratic president in 2010. Republican...
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What happens if you get hit by a car while pregnant?
Even if you feel fine, call your healthcare provider, or head to an emergency room right away. While the womb does offer some protection for your baby and...
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Why do you want to work for an insurance company?
1. Because its gives us a opportunity to expand over self. People in the insurance make a difference by solving problems and helping other a t the time of...
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How many hours does an employee have to work to be eligible for health insurance?
30 hours per week The Affordable Care Act (ACA) requires employers to offer health insurance to employees working at least 30 hours per week (or 130 hours...
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How are credit default swaps created?
To swap the risk of default, the lender buys a CDS from another investor who agrees to reimburse the lender in the case the borrower defaults. A credit de...
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How much does 4 points affect insurance in NC?
Think again: even 1 point could lead to a 30% increase in your insurance rate. 4 points could mean an 80% increase, and by the time you’re at 12 points, y...
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What is the difference between a title company and a mortgage company?
Without a title company, a mortgage loan could be risky for both you and the lender. If it’s deemed the property has a clear title, you can buy the proper...
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How do points on driving record affect insurance?
Penalty points show up on your driving record – although not on your actual licence – and can affect your insurance premium. In general, the nature of the...
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What kinds of insurance do you need in order to protect yourself?
Here are the eight types of insurance Dave Ramsey recommends: Auto Insurance. Homeowners/Renters Insurance. Umbrella Policy. Health Insurance. Long-Term D...
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