LIFE Insurance Prank Call

Jared prank calls a life insurance company as Branden. This is our 3rd longest prank call, and one of my new favorites



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Obtaining Life Insurance For Those With Type 1 Diabetes

When it comes to getting a solid life insurance policy, those with diabetes tend to have trouble, since they are more at risk of death than others. Smokers and people with other medical conditions also fall into this category. Insurance companies want you to stay in good health so you can pay them every year without them having to dish out a dime. Diabetics, on the other hand, are much more of a risk. Luckily, not all companies look at things this way. You can take a couple of steps to find insurance companies who provide a type 1 diabetic with life insurance policy.life insurance with type 1 diabetes

Learning About Diabetes and Diabetics

Diabetes is a condition that prevents the body from producing enough insulin. The pancreas is the organ in the body that makes insulin. For those with diabetes, this organ may have become damaged, which has prevented it from making the amount of insulin to make and process glucose into the bloodstream. This problem can actually lead to death. It is this problem that forces a diabetic to inject themselves with an insulin shot for as long as they live. These factors are what make a diabetic more high risk in the eyes of an insurance company.

Locating A Type 1 Diabetic Life Insurance Company

An easy Internet search is a simple, yet effective way to find this kind of life insurance company. They will look into your medical condition in order to figure out it if it is worth insuring you or not. Sometimes, they will make this decision right away or shortly after you initially contact them. Your past health, current medical condition and location play a big role in how long it will take them to make a decision. Your best bet would be to find more than one company that could possibly insure you when you conduct your search on the Internet. This way, you should find one much more quickly and if you do happen to get turned down by one company, you will have a back up. You should have no problem finding a type one diabetic life insurance company that is okay with insuring you if you follow these steps.

New York Medicare Advantage Plans Help Protect Your Future Health

As you advance in years, you count on Medicare to help you pay for future hospital and doctor expenses. However, whatever is left after Medicare Parts A and B pay out is your responsibility to cover. Therefore, considering a NY Medicare Advantage Plan is a wise and practical move to protect secure a healthy future.

You can start to take advantage of your Medicare benefits at age 65. If you are like most people and cannot afford to pay for your medical expenses out-of-pocket, you will be glad you have your Medicare coverage. However, you’re going to need to supplement Medicare if you want to have help with all of your medical expenses.

This is where Medicare Advantage plans in New York come in because they pick up where Medicare leaves off in covering your medical expenses. You can afford to pay for your medical care and maintain your health more easily when you supplement your Medicare coverage with one of these plans. You work with an independent insurance provider to select and pay for your Medicare Advantage Plan.

You have choices when selecting your plan, including a Health Maintenance Organization plan (HMO), a Preferred Provider Organization plan (PPO), or a Special Needs Plan (SNP). If you want the freedom to visit any doctor or hospital you choose, you can also select a Private Fee for Service plan (PFFS). With so many options available, you can take your time and carefully consider which Medicare Advantage Plan fits your budget and meets your health care requirements.

It’s really important that you proceed deliberately and make a well-informed decision when selecting your plan. You don’t want to be caught by surprise when you are on the hook to pay for a medical expense you thought was covered by your Medicare Advantage Plan.

Ask lots of questions of the insurance provider in order to clear up anything that may be confusing or unclear. Insurance providers are prohibited from sending you unsolicited Medicare Advantage Plan offers. Proceed with caution if you receive offers that you didn’t ask for yourself.

Life Insurance – A Brief Introduction

Life insurance can be somewhat confusing to some people, especially when they are just starting out and perhaps purchasing a policy for the first time. At first glance it seems that it is just another expense that is being added to the budget, but in the long run, it is one of the best financial decisions a family can make, because you are insuring against the loss of income in the case of the death of an income earner.

One type of life insurance that is a good start for a young family, is term life insurance. This type of life insurance lasts for a set period of time, such as 10, 15, 20 or even 30 years, and then the policy expires, but it can serve the purpose of providing coverage during the most vulnerable years of raising a family. The cost of term insurance is less, because of its temporary nature. More coverage can be purchased for a small amount of premium.  Term life insurance is also good for people who are in higher risk categories.  I many times hear questions like “What is the best life insurance for a smoker?”  I instantly point them to term life insurance because it is the most affordable for their needs.

The other form of life insurance is whole life, or permanent life insurance. This type of life insurance covers an insured for the “whole” of their life, or statistically until age 100, when the policy matures and the face amount is paid to the insured, if they are still living. Whole life also accumulates a cash value, or an equity in the policy which can be borrowed from the policy, or cashed in at a later date. Many of these types of policies can be used to accumulate cash for college education or for retirement.

Life insurance has played an important role in the economic areas of families and businesses over the past two hundred years or so, as the policies are designed to deliver cash to a beneficiary at exactly the right time that it is needed – at the time of the death of not only the insured, but at the loss of income that was produced by that person as well.

Insurance Options: Winning The Battle Against Losses

If you have an agent that offers the insurance you need, you can learn from them all the kinds available. The below article will inform you of different insurance types, the ones you need to have, and the ones you don’t really need if your current money situation isn’t too good.

Before you go into business, make sure that every aspect of that business is covered by insurance. Shop around for a policy that covers all risks associated with your type of business.

Explain to your insurance company what has happened, and they should respond to any claims you made quickly. You may even want to take pictures. Do not embellish your account of the incident or make the damage worse that it actually is to try to collect additional money. This fraudulent action could land you in serious trouble and you may have to forfeit any payments for the damages.

Do not forget to search online if you are looking for insurance quotes. This will give you a good idea of the prices that are available. Any quote online will generally be subject to detailed application and medical exams.

Increasing your deductible can decrease premiums; however, it usually has a catch. However, you need to remember that raising your deductible will incur more out-of-pocket expenses from you, should you be involved in an accident. You need to take these hypothetical expenses into account when you’re crunching the numbers of any insurance policy.

Finances must be policed properly in every aspect of life and one of those huge aspects involves your auto insurance. If you pick one with a lower deductible, you pay a larger upfront cost, but you’re completely protected in an accident. You could pay a larger deductible and pay less monthly, but risk something happening, and then you will owe a bigger deductible.

When renewing your pet insurance, read all of the fine print on the renewal forms. Some pet insurance companies treat renewals like new applications. If your insurance company does this, your premiums may rise significantly if your pet now has a chronic illness that he didn’t have last year. Don’t sign up with an insurance company that has this policy. Most legitimate pet insurance companies treat renewals differently than new applications.

You have now been introduced to the many different insurance policies that are available. Stick with the insurance world, no matter how confusing it can be. There is simply no other way to protect yourself, financially and otherwise, from the effects of unpredictable and capricious misfortunes.

How Much Is Too Much Credit Card Debt? Check Out These Great Tips!

Getting consumer advice can be a good idea these days, especially in regard to credit cards. Read further for advice on learning how to properly use credit cards and avoid common problems as well. Consider that many individuals have cards and do not understand how to handle them correctly, this is how financial problems begin.

Be aware of the rate of interest you are provided. You should completely understand the interest rate prior to signing up for a credit card. You can end up paying a lot more if you don’t make yourself aware of it. If you end up paying more, it is possible that you will be unable to repay the balance every month.

Set yourself a budget you can stick with. Do not max out a credit card simply because you have a large credit limit. Only spend what you can afford so that you can pay the bill off at the end of the month.

It is very important to read all correspondence from your credit card company, including emails. Creditors are always allowed to change certain things about your fee schedule if they let you know about it in writing. Remember, if you don’t like any of the changes, you can legally demand that your credit card account is closed.

When dealing with a credit card, make sure you’re always paying attention so that various term changes don’t catch you by surprise. Often, credit card companies will change conditions and terms, and they do it a lot more now. Often, these changes are buried in a lot of legal language. Do not skip anything when reading, and pay particular attention to fees or rate adjustments.

As you fill out a credit card receipt, make sure to put something in every space. Always cross out the tipping line, so an amount that you did not authorize is not added in later. You must also review statements regularly to verify the accuracy of charges to your account.

Never give your credit card information to anyone who calls or emails you. Credit card thieves often contact people by telephone. Only provide your number to the businesses that you fully trust and to the card company when you contact them. Never give this information to someone who has called you. It doesn’t matter what they say, there is no way to know who they really are.

As previously discussed, it is extremely easy to get in over your head when you utilize credit cards. Too many credit cards, too many shopping sprees and soon, you will be in big financial trouble. Hopefully, the tips you just read can help you avoid these financial problems.