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Note: Some Important Questions Consumers Should Ask when buying Auto, Health, Homeowners, Life (General), Term Life, or Whole Life insurance.

 

Insurance Companies

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Description

S-H-F Category

 

  The Hartford AARP CF 125x125

AARP-Hartford

 

 

The AARP® Auto Insurance Program from The Hartford offers AARP members exceptional coverage at great rates. Whether you’re looking for car insurance quotes, or just more information on who we are and how we can help you save, you’ve come to the right place. 

When AARP members get an insurance quote and buy car insurance from The Hartford, they enjoy a comprehensive package of benefits and services not found in most other auto insurance plans. 

AARP and The Hartford have worked together for over 25 years to provide AARP members exceptional coverage with significant savings.

-AARP-HartfordOver 50? You could save $420* on AARP Auto Insurance from The Hartford. Free Quote!   Ongoing offer.

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Esurance

 

 

 

Esurance offers direct-to-consumer personal car insurance in 35 states. Its innovative approach to car insurance means customers can take advantage of affordable rates, great discounts, and helpful product features like online repair monitoring. Esurance auto insurance is available in the following states:

-Alabama
-Arizona
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-California
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Coverage Types: Auto

-You Could Save Big with Esurance. Quote, Compare, and Buy in Minutes!

 

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Find A Local Lawyer

 

    

Total Criminal Defense

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Been injured? Know your rights. Speak with a local personal injury lawyer today.

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Get STD Tested

 

Confidential, Same-day STD Testing

Free physician consultation - 4,000 lab locations - Results in 3 days

Get the peace of mind you need from the most respected, most convenient, most private STD Testing service available. Get tested privately at one of over 4,000 lab locations and receive your results in 3 days. All for 50% less than a doctor’s office visit. No hassles, no embarrassment.

Also, Call Now: 1-877-278-3956

 

Note: This service is not available to residents of the state of Maryland.

 

 

Family Products

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Medical Devices

Company

Description

S-H-F Category

 

 

 MedicalSupplyDepot.com

Medical Supply Depot

 

 

 

Medical Supply Depot is a worldwide source for everything needed for pain management, respiratory care, skin care, and more.

 

Health - Fitness - Beauty

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Important Questions Consumers Should Ask When Purchasing Insurance

 

A.  Auto Insurance

1. What auto coverages do I need?
2. What optional coverages should I consider purchasing?
3. Am I being placed into the state's automobile insurance plan?
4. Does my policy protect me for liability against a lawsuit from an injured spouse?
5. What effect does my credit history have on my insurance?
6. Is there a separate fee charged for obtaining the policy?
7. What discounts are available?
8. Are there any ways to reduce my premium with regard to youthful drivers?
9. Would my policy be non-renewed if I’m involved in an accident or convicted of a moving violation?
10. Will purchasing a brand new vehicle have an effect on the insurability and cost of a policy?

B.  Health Insurance

1. What does the policy cover, ie. drugs?
2. Does my current primary care physician participate with the carrier?
3. Can I be denied for a pre-existing condition and for how long ?
4. Can I get a list of participating physicians?
5. My spouse just lost the job, what can I do to continue the coverage without a coverage penalty?
6. Is there a lifetime claim limit?
7. If a claim is denied what can I do to appeal the carrier’s decision?
8. What happens if I go to a non-participating physician?
9. If I am currently receiving services from a physician and change plans will the services be paid even if the doctor is not a member of the plan?
10. What is the age or other requirements for a person to receive dependent status?
11. Is a high-deductible policy available? 
12. Is short-term coverage available? 
13. (If the quote seems high), why is coverage so expensive? 
14. What happens if I change employers? 
15. What is indemnity health insurance? 
16. I have been recently diagnosed with a serious illness. Can my insurer drop my coverage because of this? Can my rates go up because of this? 
17. What are my rights as a policyholder? 
18. How do I file a complaint or inquiry against my health insurer? 
19. Other than cost, what should I look for in a standardized HMO plan? 
20. Am I eligible for any government subsidized health insurance plans (if yes, ask the insurer for examples)? 

C.  Homeowners Insurance

1. Are there discounts available? Please explain in detail.
2. Are there deductibles and under what circumstances do they apply?
3. Are the rates different in different locations, or how close the house it to a fire department effect premiums?
4. Are the rates affected by the type of construction?
5. Is mold covered under certain situations and is there a limit for mold damage?
6. What exactly is covered? Please explain the different kinds of coverage.
7. What is excluded in the policy?
8. Are certain items such as computers limited in coverage? Do you have samples of policy language with regard to these items?
9. What optional, additional, or extended coverage can I purchase?
10. Is umbrella coverage available? Is it discounted in any way?

D.  Life Insurance - General

1. Do I need life insurance?
2. How much life insurance do I need?
3. What are the main types of life insurance products available for purchase?
4. What factors should I consider when selecting a life insurance company?
5. What are the main differences between term life insurance and whole life insurance?
6. What is underwriting?
7. How do I compare cost?
8. Do I need a sales illustration?
9. Can I change my mind after I purchase a policy?
10. Should I replace my existing life insurance policy?

E.  Term Life Insurance

1. When should I consider buying a term life policy?
2. How does term life insurance differ from permanent life insurance?
3. What are the main types of term life insurance available for purchase?
4. What is "renewable" term life insurance?
5. What is "convertible" term life insurance?
6. How long will coverage under a term policy continue?
7. Will the premiums due for term life insurance change over time?
8. Can an insurer cancel term life insurance?
9. What is a "Return of Premium" feature?
10. What premium mode should I choose when purchasing term life insurance?

F.  Whole Life Insurance

1. When should I consider buying a whole life policy?
2. How does whole life insurance differ from term life insurance?
3. What are the main types of traditional whole life policies available for purchase?
4. Will the scheduled premium payments for whole life insurance change over time?
5. What is "cash value" and how does it differ from the face amount of the whole life policy?
6. May I surrender a whole life policy for its cash value?
7. May the policy owner borrow money from the whole life policy?
8. Will I need to pay premiums for the rest of my life to keep the whole life policy in force?
9. What is the federal tax treatment of whole life insurance cash values, dividends, and death benefits? (A question for your CPA or tax advisor, not the insurance provider.)
10. What are some pros and cons of whole life insurance?

The above questions are not intended to be an all-inclusive list, and consumers should feel free to ask questions of their own choosing.