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	<title>Answers for InsuranceLibrary.comTed Ratliff - Owner - SFS Associates</title>
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		<title>Answer on Is Hormone Replacement Therapy Covered By Medicare? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/is-hormone-replacement-therapy-covered-by-medicare#answer_2930</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 08 May 2013 12:12:39 +0000</pubDate>
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		<description><![CDATA[It depends on the therapy involved but as a rule yes as long as your doctor finds that it is medically necessary.  There may be cases where such therapy is considered experimental or beyond what Medicare feels is necessary.  In such cases Medicare may not want to pay.]]></description>
		<content:encoded><![CDATA[It depends on the therapy involved but as a rule yes as long as your doctor finds that it is medically necessary.  There may be cases where such therapy is considered experimental or beyond what Medicare feels is necessary.  In such cases Medicare may not want to pay.]]></content:encoded>
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		<title>Answer on What Is Medigap vs Medicare Advantage? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/what-is-medigap-vs-medicare-advantage#answer_11130</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 29 Aug 2013 13:09:58 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/what-is-medigap-vs-medicare-advantage#answer_11130</guid>
		<description><![CDATA[Medigap works along side your original Medicare helping to pay Medicare covered expenses that are not paid for by Medicare due to deductibles and coinsurance.  You will pay a premium for a Medigap plan but your out of pocket exposure in the event of a large claim will be less than with a Medicare Advantage plan
Medicare Advantage takes the place of Medicare.  While you are still in the Medicare system and protections, responsibility for benefits and claim management are provided by the insurance company, not Medicare. You cannot have both a Medigap and a Medicare Advantage Plan since Medicare Advantage has different deductibles and copay&#039;s than Medicare.  Premiums are much less than Medigap plans but you will have more out of pocket exposure in most cases.]]></description>
		<content:encoded><![CDATA[Medigap works along side your original Medicare helping to pay Medicare covered expenses that are not paid for by Medicare due to deductibles and coinsurance.  You will pay a premium for a Medigap plan but your out of pocket exposure in the event of a large claim will be less than with a Medicare Advantage plan
Medicare Advantage takes the place of Medicare.  While you are still in the Medicare system and protections, responsibility for benefits and claim management are provided by the insurance company, not Medicare. You cannot have both a Medigap and a Medicare Advantage Plan since Medicare Advantage has different deductibles and copay's than Medicare.  Premiums are much less than Medigap plans but you will have more out of pocket exposure in most cases.]]></content:encoded>
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		<title>Answer on Does Medicare Pay For Bunion Surgery? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/does-medicare-pay-for-bunion-surgery#answer_7324</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 20 Jun 2013 11:53:50 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/does-medicare-pay-for-bunion-surgery#answer_7324</guid>
		<description><![CDATA[Generally Medicare only pays for basic foot care if a person is diabetic.  If there is a medical necessity it may pay for other foot issues however.  Usually bunions are something that is performed in a Podiatrist office.  Your Podiatrist should know if the procedure he is recommending is covered by Medicare.  Make sure you ask him.]]></description>
		<content:encoded><![CDATA[Generally Medicare only pays for basic foot care if a person is diabetic.  If there is a medical necessity it may pay for other foot issues however.  Usually bunions are something that is performed in a Podiatrist office.  Your Podiatrist should know if the procedure he is recommending is covered by Medicare.  Make sure you ask him.]]></content:encoded>
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		<title>Answer on Can An Illegal Immigrant Get Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/can-an-illegal-immigrant-get-life-insurance#answer_1941</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 30 Apr 2013 11:15:14 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/can-an-illegal-immigrant-get-life-insurance#answer_1941</guid>
		<description><![CDATA[Life Insurance is sold internationally, so as long as a person can show he has the means to pay and can qualify health-wise, his alien status is not an issue.  I have not seen any question on a life insurance application that would disqualify a person due to alien status.]]></description>
		<content:encoded><![CDATA[Life Insurance is sold internationally, so as long as a person can show he has the means to pay and can qualify health-wise, his alien status is not an issue.  I have not seen any question on a life insurance application that would disqualify a person due to alien status.]]></content:encoded>
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		<title>Answer on Will Health Insurance Pay For A Hot Tub? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/will-health-insurance-pay-for-a-hot-tub#answer_7391</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 21 Jun 2013 11:37:58 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/will-health-insurance-pay-for-a-hot-tub#answer_7391</guid>
		<description><![CDATA[No, health insurance generally will not pay for a hot tub.  I personally have never heard of a situation that would warrant a medical necessity for a private hot tub.  Health insurance is designed to pay for Medically necessary costs and procedures. Unless your doctor can show the insurance company that a hot tub is a medically necessary item (which will be a hard fight) it will not be covered under any policy that I am aware of.]]></description>
		<content:encoded><![CDATA[No, health insurance generally will not pay for a hot tub.  I personally have never heard of a situation that would warrant a medical necessity for a private hot tub.  Health insurance is designed to pay for Medically necessary costs and procedures. Unless your doctor can show the insurance company that a hot tub is a medically necessary item (which will be a hard fight) it will not be covered under any policy that I am aware of.]]></content:encoded>
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		<title>Answer on Does Home Owners Insurance Cover Asbestos Removal? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/does-home-owners-insurance-cover-asbestos-removal#answer_3708</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 14 May 2013 11:10:50 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/does-home-owners-insurance-cover-asbestos-removal#answer_3708</guid>
		<description><![CDATA[Generally the answer to that would be no.  Your Homeowners is not designed to cover this type of renovation.  If your home is damaged by a covered peril then the removal of asbestos would be covered as part of the repairs, but otherwise you will have to pay.]]></description>
		<content:encoded><![CDATA[Generally the answer to that would be no.  Your Homeowners is not designed to cover this type of renovation.  If your home is damaged by a covered peril then the removal of asbestos would be covered as part of the repairs, but otherwise you will have to pay.]]></content:encoded>
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		<title>Answer on What Does Cash Surrender Value Mean On Life Insurance Policy? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-does-cash-surrender-value-mean-on-life-insurance-policy#answer_691</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 09 Apr 2013 11:56:09 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-does-cash-surrender-value-mean-on-life-insurance-policy#answer_691</guid>
		<description><![CDATA[The Cash Surrender Value is the value of the policy if you surrendered the policy.  This is different than the face amount.  You can find a table of Guaranteed Surrender Values inside your policy.  A Whole Life Policy will have several provisions designed to give you options should your economic situation change.  You may borrow off the Cash Value if you need to.   You can use the Cash Value to provide a reduced paid up insurance policy.  You can allow the policy to pay for extended term insurance, which keeps the policy going until the cash value is used up.  This is a big advantage in my opinion over other life insurance policies.]]></description>
		<content:encoded><![CDATA[The Cash Surrender Value is the value of the policy if you surrendered the policy.  This is different than the face amount.  You can find a table of Guaranteed Surrender Values inside your policy.  A Whole Life Policy will have several provisions designed to give you options should your economic situation change.  You may borrow off the Cash Value if you need to.   You can use the Cash Value to provide a reduced paid up insurance policy.  You can allow the policy to pay for extended term insurance, which keeps the policy going until the cash value is used up.  This is a big advantage in my opinion over other life insurance policies.]]></content:encoded>
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		<title>Answer on What Are Medicare Lifetime Reserve Days? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/what-are-medicare-lifetime-reserve-days#answer_5885</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 02 Jun 2013 10:35:53 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/what-are-medicare-lifetime-reserve-days#answer_5885</guid>
		<description><![CDATA[Under Medicare part A you will have a deductible for the first 60 days, a copay for next 60 days.  After that you enter your lifetime reserve during which your Medicare cover is extended to a maximum of an additional 60 days during your lifetime at an even higher daily copay.  Most people never use their lifetime reserve days but it does happen.  After your lifetime reserve days are used you are responsible for 100% of the costs.]]></description>
		<content:encoded><![CDATA[Under Medicare part A you will have a deductible for the first 60 days, a copay for next 60 days.  After that you enter your lifetime reserve during which your Medicare cover is extended to a maximum of an additional 60 days during your lifetime at an even higher daily copay.  Most people never use their lifetime reserve days but it does happen.  After your lifetime reserve days are used you are responsible for 100% of the costs.]]></content:encoded>
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		<title>Answer on How Can I Cancel Medicare Part B? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/how-can-i-cancel-medicare-part-b#answer_3700</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 14 May 2013 10:34:44 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/how-can-i-cancel-medicare-part-b#answer_3700</guid>
		<description><![CDATA[You can call 1-800-MEDICARE.  I highly discourage it however unless you have an employer group plan.  You can be penalized by Medicare for every month that you do not carry Part B that you are eligible.  If you are in a Medicare Advantage Plan you will be disenrolled because you must have part B to be enrolled in a Medicare Advantage.  Not a good idea to cancel your part B.  The potential cost over what you would save could be tremendous.]]></description>
		<content:encoded><![CDATA[You can call 1-800-MEDICARE.  I highly discourage it however unless you have an employer group plan.  You can be penalized by Medicare for every month that you do not carry Part B that you are eligible.  If you are in a Medicare Advantage Plan you will be disenrolled because you must have part B to be enrolled in a Medicare Advantage.  Not a good idea to cancel your part B.  The potential cost over what you would save could be tremendous.]]></content:encoded>
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		<title>Answer on Can An 88 Year Old Get Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/can-an-88-year-old-get-life-insurance#answer_2200</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 02 May 2013 10:56:42 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/can-an-88-year-old-get-life-insurance#answer_2200</guid>
		<description><![CDATA[Most companies will only go to age 85.  I have seen one or two go to 90 and it is not cheap.  You may want to consider setting aside money into a funeral trust or a pre-paid funeral plan.  At 90 your options are extremely limited.  A good Independent agent who specializes in Final Expense planning may be able to help.]]></description>
		<content:encoded><![CDATA[Most companies will only go to age 85.  I have seen one or two go to 90 and it is not cheap.  You may want to consider setting aside money into a funeral trust or a pre-paid funeral plan.  At 90 your options are extremely limited.  A good Independent agent who specializes in Final Expense planning may be able to help.]]></content:encoded>
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		<title>Answer on How Much Does Medicare Pay For A Ct Scan? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/how-much-does-medicare-pay-for-a-ct-scan#answer_2754</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 07 May 2013 10:58:41 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/how-much-does-medicare-pay-for-a-ct-scan#answer_2754</guid>
		<description><![CDATA[Diagnostic testing is covered under Part B.  You will pay 20% of the Medicare approved amount.  So if the procedure costs $1000, Medicare approves $500 you would pay $100.  Some states will allow an additional 15% of what is called excess charges.  If you live in Ohio, you do not have to worry about that, however if you live in Florida you would have to pay.  The doctor cannot balance bill you more that the 15% of the Medicare approved amount.]]></description>
		<content:encoded><![CDATA[Diagnostic testing is covered under Part B.  You will pay 20% of the Medicare approved amount.  So if the procedure costs $1000, Medicare approves $500 you would pay $100.  Some states will allow an additional 15% of what is called excess charges.  If you live in Ohio, you do not have to worry about that, however if you live in Florida you would have to pay.  The doctor cannot balance bill you more that the 15% of the Medicare approved amount.]]></content:encoded>
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		<title>Answer on What Is Life Insurance Surrender Charge? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-is-life-insurance-surrender-charge#answer_1840</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 29 Apr 2013 11:07:13 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-is-life-insurance-surrender-charge#answer_1840</guid>
		<description><![CDATA[In a whole life or Universal Life policy there are surrender charges.  An insurance policy costs the insurance company a great deal of money to issue.  Agent commissions, underwriting, and a host of other administrative charges.  As a result the surrender charges are placed to help discourage a policy holder from cashing in a policy before those expenses can be recouped.  This can be anywhere from three to 15 years depending on the company.  They will usually reduce each year until they disappear. They are only taken out of the accumulated cash value if you surrender the policy, otherwise you really never see them.  They are not charged if the company has to pay the death benefit.]]></description>
		<content:encoded><![CDATA[In a whole life or Universal Life policy there are surrender charges.  An insurance policy costs the insurance company a great deal of money to issue.  Agent commissions, underwriting, and a host of other administrative charges.  As a result the surrender charges are placed to help discourage a policy holder from cashing in a policy before those expenses can be recouped.  This can be anywhere from three to 15 years depending on the company.  They will usually reduce each year until they disappear. They are only taken out of the accumulated cash value if you surrender the policy, otherwise you really never see them.  They are not charged if the company has to pay the death benefit.]]></content:encoded>
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		<title>Answer on Does Medicare Pay For Sleep Studies? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/does-medicare-pay-for-sleep-studies#answer_6295</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 06 Jun 2013 10:20:15 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/does-medicare-pay-for-sleep-studies#answer_6295</guid>
		<description><![CDATA[As long it is ordered by a doctor in order to diagnose a possible health issue a sleep study should be paid for under part B of Medicare.  Sleep studies are used to diagnose several health related issues, the most prevalent being Sleep Apnea.  Your doctor will know if the procedure he is recommending is covered.]]></description>
		<content:encoded><![CDATA[As long it is ordered by a doctor in order to diagnose a possible health issue a sleep study should be paid for under part B of Medicare.  Sleep studies are used to diagnose several health related issues, the most prevalent being Sleep Apnea.  Your doctor will know if the procedure he is recommending is covered.]]></content:encoded>
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		<title>Answer on Can State Farm Cancel My Homeowners Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/can-state-farm-cancel-my-homeowners-insurance#answer_3481</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 12 May 2013 12:17:23 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/can-state-farm-cancel-my-homeowners-insurance#answer_3481</guid>
		<description><![CDATA[Any company can cancel your auto or home insurance.  Auto and Home insurance is not guaranteed renewal.  If your claims history does not meet guidelines, if your home is in disrepair, if you purchase a dog that is considered dangerous, if the company decides to pull out of your state, there are a number of reasons a company can cancel you.]]></description>
		<content:encoded><![CDATA[Any company can cancel your auto or home insurance.  Auto and Home insurance is not guaranteed renewal.  If your claims history does not meet guidelines, if your home is in disrepair, if you purchase a dog that is considered dangerous, if the company decides to pull out of your state, there are a number of reasons a company can cancel you.]]></content:encoded>
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		<title>Answer on Which Is Better Humana Or Medicare? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/which-is-better-humana-or-medicare#answer_1643</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 25 Apr 2013 10:42:10 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/which-is-better-humana-or-medicare#answer_1643</guid>
		<description><![CDATA[It depends on the are you live in and your individual situation.  Humana is a Medicare Advantage Plan.  Each area is different.  If you cannot afford a Medicare Supplement then I would shop for a good Medicare Advantage Plan in your area, it may be Humana or it may be another plan such as United Health Care, Aetna, or Anthem Blue Cross.  A good local agent who is certified in Medicare Advantage plans and is familiar with the plans in your area can help guide you in the right direction.  Every situation is different.  A medicare Advantage Plan will offer more coverage than original Medicare.  A Medicare Supplement offers even better coverage because it will pay in addition to original Medicare.  Humana does offer a Medicare Supplement, but make sure you shop because they may not be the best option depending on where you live.  Again, a good local agent can be a great help to you.
 ]]></description>
		<content:encoded><![CDATA[It depends on the are you live in and your individual situation.  Humana is a Medicare Advantage Plan.  Each area is different.  If you cannot afford a Medicare Supplement then I would shop for a good Medicare Advantage Plan in your area, it may be Humana or it may be another plan such as United Health Care, Aetna, or Anthem Blue Cross.  A good local agent who is certified in Medicare Advantage plans and is familiar with the plans in your area can help guide you in the right direction.  Every situation is different.  A medicare Advantage Plan will offer more coverage than original Medicare.  A Medicare Supplement offers even better coverage because it will pay in addition to original Medicare.  Humana does offer a Medicare Supplement, but make sure you shop because they may not be the best option depending on where you live.  Again, a good local agent can be a great help to you.
 ]]></content:encoded>
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		<title>Answer on What Does A Life Insurance Mouth Swab Test For? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-does-a-life-insurance-mouth-swab-test-for#answer_1440</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 20 Apr 2013 11:22:45 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-does-a-life-insurance-mouth-swab-test-for#answer_1440</guid>
		<description><![CDATA[A mouth swab test generally tests for drugs and tobacco.  It can also test for other things but this is what the insurance company is usually looking for.  Many companies are doing this instead of having a paramedic come out and take blood.  It is less expensive and the agent is able to do it when he does the application in many cases.]]></description>
		<content:encoded><![CDATA[A mouth swab test generally tests for drugs and tobacco.  It can also test for other things but this is what the insurance company is usually looking for.  Many companies are doing this instead of having a paramedic come out and take blood.  It is less expensive and the agent is able to do it when he does the application in many cases.]]></content:encoded>
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		<title>Answer on Which Life Insurance Should I Buy? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/which-life-insurance-should-i-buy#answer_6578</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 09 Jun 2013 12:03:02 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/which-life-insurance-should-i-buy#answer_6578</guid>
		<description><![CDATA[There are three basic types of life insurance.  Whole Life, Term, and Universal Life.  Whole Life is for permanent needs such as final expenses or to provide a legacy to your family or charity.  Term insurance is for temporary needs such as to cover a mortgage or debt.  Universal life is a hybrid of term insurance with a buit in cash fund.  They type of life insurance you need depends onyour individual situation.  Sit down with a good local independent agent who will help you put together an affordable plan based on yor needs and goals.]]></description>
		<content:encoded><![CDATA[There are three basic types of life insurance.  Whole Life, Term, and Universal Life.  Whole Life is for permanent needs such as final expenses or to provide a legacy to your family or charity.  Term insurance is for temporary needs such as to cover a mortgage or debt.  Universal life is a hybrid of term insurance with a buit in cash fund.  They type of life insurance you need depends onyour individual situation.  Sit down with a good local independent agent who will help you put together an affordable plan based on yor needs and goals.]]></content:encoded>
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		<title>Answer on What Does Medicare Pay For An MRI? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/what-does-medicare-pay-for-an-mri#answer_2414</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 04 May 2013 10:49:56 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/what-does-medicare-pay-for-an-mri#answer_2414</guid>
		<description><![CDATA[Yes, as long as it is for an approved health problem and deemed medically necessary.  This would be covered under Medicare Part B and will be paid at 80% of the approved amount.  Medicare pays for any Medically necessary testing, such as blood work, X Rays, Cat Scans, and a lot of other issues.  Some preventative tests are covered at 100%]]></description>
		<content:encoded><![CDATA[Yes, as long as it is for an approved health problem and deemed medically necessary.  This would be covered under Medicare Part B and will be paid at 80% of the approved amount.  Medicare pays for any Medically necessary testing, such as blood work, X Rays, Cat Scans, and a lot of other issues.  Some preventative tests are covered at 100%]]></content:encoded>
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		<title>Answer on Does State Farm Life Insurance Test For THC? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/does-state-farm-life-insurance-test-for-thc#answer_1954</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 30 Apr 2013 11:54:49 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/does-state-farm-life-insurance-test-for-thc#answer_1954</guid>
		<description><![CDATA[If the policy you applies for requests a paramedical with blood or urine then yes, they will test for THC and other drugs.  Even if they do not request those procedures there is a question on the application regarding illegal drugs.  A misleading answer to that question could result in a claim being denied if you die due to a drug related incident within two years of policy issue.]]></description>
		<content:encoded><![CDATA[If the policy you applies for requests a paramedical with blood or urine then yes, they will test for THC and other drugs.  Even if they do not request those procedures there is a question on the application regarding illegal drugs.  A misleading answer to that question could result in a claim being denied if you die due to a drug related incident within two years of policy issue.]]></content:encoded>
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		<title>Answer on What Is Medicare Fee For Service Contractor? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/what-is-medicare-fee-for-service-contractor#answer_12552</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 21 Sep 2013 14:53:17 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/what-is-medicare-fee-for-service-contractor#answer_12552</guid>
		<description><![CDATA[Medicare is a fee for service program.  A doctor or hospital can agree to accept Medicare patients and thus contract with Medicare to accept the rules and conditions imposed by Medicare, or they can opt out of the Medicare program, in which case a medicare patient would be responsible for payment if they go to that doctor or the doctor can simply refuse Medicare patients.  The same is true for hospitals or other facilities.]]></description>
		<content:encoded><![CDATA[Medicare is a fee for service program.  A doctor or hospital can agree to accept Medicare patients and thus contract with Medicare to accept the rules and conditions imposed by Medicare, or they can opt out of the Medicare program, in which case a medicare patient would be responsible for payment if they go to that doctor or the doctor can simply refuse Medicare patients.  The same is true for hospitals or other facilities.]]></content:encoded>
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		<title>Answer on Does Home Insurance Cover Electrical Wiring? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/does-home-insurance-cover-electrical-wiring#answer_9165</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 20 Jul 2013 15:05:50 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/does-home-insurance-cover-electrical-wiring#answer_9165</guid>
		<description><![CDATA[Electrical wiring would only be covered if it is damaged by a covered peril.  Homeowners insurance does not pay to replace out dated wiring or renovation of wiring.  Homeowners insurance is not designed as a maintenance policy.  It is designed to protect you from unforeseeable events such as fire, wind damage, lightning strikes and similar perils.]]></description>
		<content:encoded><![CDATA[Electrical wiring would only be covered if it is damaged by a covered peril.  Homeowners insurance does not pay to replace out dated wiring or renovation of wiring.  Homeowners insurance is not designed as a maintenance policy.  It is designed to protect you from unforeseeable events such as fire, wind damage, lightning strikes and similar perils.]]></content:encoded>
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		<title>Answer on Does Obama Care Require Everyone To Have Health Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/does-obama-care-require-everyone-to-have-health-insurance#answer_8668</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 10 Jul 2013 11:19:11 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/does-obama-care-require-everyone-to-have-health-insurance#answer_8668</guid>
		<description><![CDATA[Under the Affordable Care Act, everyone must have some sort of creditable coverage or pay a penalty that will be assessed by the IRS.  Because the Affordable Care Act eliminates pre-existing conditions and provides subsidies, it is necessary for all to be required to have health insurance in order to help keep rates down as low as possible.]]></description>
		<content:encoded><![CDATA[Under the Affordable Care Act, everyone must have some sort of creditable coverage or pay a penalty that will be assessed by the IRS.  Because the Affordable Care Act eliminates pre-existing conditions and provides subsidies, it is necessary for all to be required to have health insurance in order to help keep rates down as low as possible.]]></content:encoded>
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		<title>Answer on Can Car Insurance Be Retroactive? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/can-car-insurance-be-retroactive#answer_8663</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 10 Jul 2013 11:00:59 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/can-car-insurance-be-retroactive#answer_8663</guid>
		<description><![CDATA[Absolutely not!  It is illegal and an agent could lose his license and contract with a company if he would backdate a car insurance policy.  The only reasons for backdating a policy would be to either cover an accident or to provide proof of insurance for a specific time frame.  Otherwise, why pay for something you did not use?]]></description>
		<content:encoded><![CDATA[Absolutely not!  It is illegal and an agent could lose his license and contract with a company if he would backdate a car insurance policy.  The only reasons for backdating a policy would be to either cover an accident or to provide proof of insurance for a specific time frame.  Otherwise, why pay for something you did not use?]]></content:encoded>
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		<title>Answer on What Is The Medicare Approved Cost For An Mri? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/what-is-the-medicare-approved-cost-for-an-mri#answer_2928</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 08 May 2013 12:07:09 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/what-is-the-medicare-approved-cost-for-an-mri#answer_2928</guid>
		<description><![CDATA[Unfortunately that is an answer that an insurance agent can give.  It all depends on the exact procedure, why it is being performed, where it is being performed and how the billing department codes the bill to Medicare.  Medicare pays the claims based on these codes and this information and approves according to a schedule.  Without knowing the codes it is impossible to give a correct answer.]]></description>
		<content:encoded><![CDATA[Unfortunately that is an answer that an insurance agent can give.  It all depends on the exact procedure, why it is being performed, where it is being performed and how the billing department codes the bill to Medicare.  Medicare pays the claims based on these codes and this information and approves according to a schedule.  Without knowing the codes it is impossible to give a correct answer.]]></content:encoded>
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		<title>Answer on What If I Can&#8217;t Afford Long Term Care Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/long-term-care-insurance/what-if-i-cant-afford-long-term-care-insurance#answer_8559</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 07 Jul 2013 11:25:44 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/long-term-care-insurance/what-if-i-cant-afford-long-term-care-insurance#answer_8559</guid>
		<description><![CDATA[There are some other options.  Some newer Life Insurance policies have long term care riders available that are very affordable.  Another option would be to consider a Short Term Care Policy to help pay expenses until you can qualify for government aid.  A good independent agent who specializes in Care Resource Planning can help you determine your best options based on your affordability.]]></description>
		<content:encoded><![CDATA[There are some other options.  Some newer Life Insurance policies have long term care riders available that are very affordable.  Another option would be to consider a Short Term Care Policy to help pay expenses until you can qualify for government aid.  A good independent agent who specializes in Care Resource Planning can help you determine your best options based on your affordability.]]></content:encoded>
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		<title>Answer on Does Health Insurance Cover Naturopathic Doctors? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/does-health-insurance-cover-naturopathic-doctors-2#answer_7786</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 25 Jun 2013 10:22:21 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/does-health-insurance-cover-naturopathic-doctors-2#answer_7786</guid>
		<description><![CDATA[Unfortunately in most cases the answer is no.  Naturopathy is not general accepted because it is considered to be an alternative health practice not generally sanctioned by the AMA.  Since health care in the US and most of the world has been taken over by the drug companies, any type of practice that utilizes and promotes natural methods over drugs is not considered accepted medical practice regardless of its effectiveness. To me this is unfortunate because it could save millions in health care costs.]]></description>
		<content:encoded><![CDATA[Unfortunately in most cases the answer is no.  Naturopathy is not general accepted because it is considered to be an alternative health practice not generally sanctioned by the AMA.  Since health care in the US and most of the world has been taken over by the drug companies, any type of practice that utilizes and promotes natural methods over drugs is not considered accepted medical practice regardless of its effectiveness. To me this is unfortunate because it could save millions in health care costs.]]></content:encoded>
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		<title>Answer on Does Disability Insurance Cover Pre Existing Conditions? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/disability-insurance/does-disability-insurance-cover-pre-existing-conditions#answer_7499</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 22 Jun 2013 10:31:49 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/disability-insurance/does-disability-insurance-cover-pre-existing-conditions#answer_7499</guid>
		<description><![CDATA[Most disability plans will exclude preexisting conditions.  A company is not going to pay for a disability caused by a known problem.  For example if you are being treated for a bad back and become disabled for a back issue as a result, the company would not pay.  The condition will usually be excluded in writing or the policy in some cases may be declined.]]></description>
		<content:encoded><![CDATA[Most disability plans will exclude preexisting conditions.  A company is not going to pay for a disability caused by a known problem.  For example if you are being treated for a bad back and become disabled for a back issue as a result, the company would not pay.  The condition will usually be excluded in writing or the policy in some cases may be declined.]]></content:encoded>
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		<title>Answer on What Is Paid Up Insurance In Whole Life Policies? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-is-paid-up-insurance-in-whole-life-policies#answer_6815</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 12 Jun 2013 11:16:54 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-is-paid-up-insurance-in-whole-life-policies#answer_6815</guid>
		<description><![CDATA[This is the amount of insurance that if you stopped making premium payments today and elected to take a paid up policy, you would have that amount of insurance for the rest of your life.  A 20 pay life policy would be paid up in 20 years with no premium due after that time while the insurance is still in force.  A whole life policy can have a reduced paid up option after enough cash value has accumulated in the policy to provide a paid up policy.  This table can be found in your policy.  A good agent can help review your policy with you to help you understand your non-forfiture options]]></description>
		<content:encoded><![CDATA[This is the amount of insurance that if you stopped making premium payments today and elected to take a paid up policy, you would have that amount of insurance for the rest of your life.  A 20 pay life policy would be paid up in 20 years with no premium due after that time while the insurance is still in force.  A whole life policy can have a reduced paid up option after enough cash value has accumulated in the policy to provide a paid up policy.  This table can be found in your policy.  A good agent can help review your policy with you to help you understand your non-forfiture options]]></content:encoded>
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		<title>Answer on Is Aflac Cancer Insurance Worth It? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/critical-illness-insurance/is-aflac-cancer-insurance-worth-it#answer_5464</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 29 May 2013 11:05:47 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/critical-illness-insurance/is-aflac-cancer-insurance-worth-it#answer_5464</guid>
		<description><![CDATA[It does not matter if it is AFLAC or any other company, in my opinion Cancer insurance is a good buy.  Even if a person has health insurance, the cost of Cancer can devastate a persons financial well being.  With deductibles, copay&#039;s, travel, loss of income, and cost of alternative treatments, Cancer Insurance can make a difference between getting better care or going bankrupt.]]></description>
		<content:encoded><![CDATA[It does not matter if it is AFLAC or any other company, in my opinion Cancer insurance is a good buy.  Even if a person has health insurance, the cost of Cancer can devastate a persons financial well being.  With deductibles, copay's, travel, loss of income, and cost of alternative treatments, Cancer Insurance can make a difference between getting better care or going bankrupt.]]></content:encoded>
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		<title>Answer on What Is Life Insurance Portability Vs Conversion? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-is-life-insurance-portability-vs-conversion#answer_3806</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 15 May 2013 11:12:42 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-is-life-insurance-portability-vs-conversion#answer_3806</guid>
		<description><![CDATA[I am assuming here that you are talking about a group life insurance plan.  Portability means that if you leave the company you can take your insurance policy with you.  With many group plans you lose the insurance when you leave.  Conversion means that you have the right to convert your group term insurance to a permanent plan that you own.  You would then be able to take it with you when you leave.]]></description>
		<content:encoded><![CDATA[I am assuming here that you are talking about a group life insurance plan.  Portability means that if you leave the company you can take your insurance policy with you.  With many group plans you lose the insurance when you leave.  Conversion means that you have the right to convert your group term insurance to a permanent plan that you own.  You would then be able to take it with you when you leave.]]></content:encoded>
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		<title>Answer on Does Medicare Cover Rheumatoid Arthritis? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/does-medicare-cover-rheumatoid-arthritis#answer_2844</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 07 May 2013 18:02:49 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/does-medicare-cover-rheumatoid-arthritis#answer_2844</guid>
		<description><![CDATA[Medicare will cover any medically necessary treatment involved in diagnosing and managing rheumatoid arthritis under part B.  If a hospital stay is required then Part A would come into play.  Any pain medication and prescriptions would be covered under Part D, your prescription drug plan.  Over the counter medications would not be covered.]]></description>
		<content:encoded><![CDATA[Medicare will cover any medically necessary treatment involved in diagnosing and managing rheumatoid arthritis under part B.  If a hospital stay is required then Part A would come into play.  Any pain medication and prescriptions would be covered under Part D, your prescription drug plan.  Over the counter medications would not be covered.]]></content:encoded>
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		<title>Answer on Does Medicare Cover YMCA Membership? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/does-medicare-cover-ymca-membership#answer_2202</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 02 May 2013 11:01:24 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/does-medicare-cover-ymca-membership#answer_2202</guid>
		<description><![CDATA[Medicare does not cover any type of gym membership, YMCA or otherwise.  There are however some Medicare Advantage Plans that offer &quot;Silver Sneaker&quot;.  Silver Sneakers will pay for your membership in the Y or some other facilities, depending on your area.  The AARP United Healthcare Medicare Supplement also offers Silver Sneakers in some area&#039;s.]]></description>
		<content:encoded><![CDATA[Medicare does not cover any type of gym membership, YMCA or otherwise.  There are however some Medicare Advantage Plans that offer "Silver Sneaker".  Silver Sneakers will pay for your membership in the Y or some other facilities, depending on your area.  The AARP United Healthcare Medicare Supplement also offers Silver Sneakers in some area's.]]></content:encoded>
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		<title>Answer on Does Health Insurance Cover CT Scans? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/does-health-insurance-cover-ct-scans#answer_1397</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 19 Apr 2013 11:09:25 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/does-health-insurance-cover-ct-scans#answer_1397</guid>
		<description><![CDATA[Depending on your policy the general answer is yes.  How much it covers depends on your policy and the reason for the CT scan.  I recommend checking with your insurance company to find out if the procedure is covered before having the CT scan done.  It could save you paying out money you weren&#039;t counting on.]]></description>
		<content:encoded><![CDATA[Depending on your policy the general answer is yes.  How much it covers depends on your policy and the reason for the CT scan.  I recommend checking with your insurance company to find out if the procedure is covered before having the CT scan done.  It could save you paying out money you weren't counting on.]]></content:encoded>
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		<title>Answer on Does Auto Insurance Cover DUI Accidents? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/does-auto-insurance-cover-dui-accidents#answer_1049</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 14 Apr 2013 10:12:00 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/does-auto-insurance-cover-dui-accidents#answer_1049</guid>
		<description><![CDATA[Yes, you will be covered however do not be surprised if you premium goes up at renewal or you get a non-renewal notice.  Sorry to be a bearer of bad tidings but all companies look at DUI&#039;s as a serious matter, especially if an accident is involved.    How much it goes up could also hing on the seriousness of the accident.]]></description>
		<content:encoded><![CDATA[Yes, you will be covered however do not be surprised if you premium goes up at renewal or you get a non-renewal notice.  Sorry to be a bearer of bad tidings but all companies look at DUI's as a serious matter, especially if an accident is involved.    How much it goes up could also hing on the seriousness of the accident.]]></content:encoded>
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		<title>Answer on How To Get A Wheelchair Through Medicare? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/how-to-get-a-wheelchair-through-medicare#answer_10473</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 16 Aug 2013 11:35:01 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/how-to-get-a-wheelchair-through-medicare#answer_10473</guid>
		<description><![CDATA[It depends on the situation.  The doctor must confirm a medical need and write a prescription.  Generally you must not be able to navigate without the use of a wheelchair.  If Medicare finds that a wheelchair is warranted they can approve its purchase.  You and your doctor must file for an approval.  The company you are purchasing the equipment from can help you do the filing.]]></description>
		<content:encoded><![CDATA[It depends on the situation.  The doctor must confirm a medical need and write a prescription.  Generally you must not be able to navigate without the use of a wheelchair.  If Medicare finds that a wheelchair is warranted they can approve its purchase.  You and your doctor must file for an approval.  The company you are purchasing the equipment from can help you do the filing.]]></content:encoded>
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		<title>Answer on Does Medicare Cover Podiatrist Visits? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/does-medicare-cover-podiatrist-visits#answer_9160</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 20 Jul 2013 13:41:35 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/does-medicare-cover-podiatrist-visits#answer_9160</guid>
		<description><![CDATA[Medicare will generally not cover routine podiatry unless a person is diabetic.  If there is a medical reason that surgery is needed then Medicare may pay at that point.  A diabetic person may receive periodic podiatry exams and toe nail clipping.  This is allowed due to the risks involved with diabetes.]]></description>
		<content:encoded><![CDATA[Medicare will generally not cover routine podiatry unless a person is diabetic.  If there is a medical reason that surgery is needed then Medicare may pay at that point.  A diabetic person may receive periodic podiatry exams and toe nail clipping.  This is allowed due to the risks involved with diabetes.]]></content:encoded>
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		<title>Answer on Is Part D Medicare Required? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/is-part-d-medicare-required#answer_8717</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 11 Jul 2013 12:33:10 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/is-part-d-medicare-required#answer_8717</guid>
		<description><![CDATA[Medicare Part D is optional, however it is important to keep in mind that for every month that goes by that you fail to carry Part D when you are eligible you will be penalized unless you can show that you had group or other coverage at least as good as Medicare.  It is thus very important you select a plan regardless of whether or not you currently have prescriptions.]]></description>
		<content:encoded><![CDATA[Medicare Part D is optional, however it is important to keep in mind that for every month that goes by that you fail to carry Part D when you are eligible you will be penalized unless you can show that you had group or other coverage at least as good as Medicare.  It is thus very important you select a plan regardless of whether or not you currently have prescriptions.]]></content:encoded>
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		<title>Answer on Can I Put My Brother On My Health Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/can-i-put-my-brother-on-my-health-insurance#answer_8671</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 10 Jul 2013 11:43:13 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/can-i-put-my-brother-on-my-health-insurance#answer_8671</guid>
		<description><![CDATA[Health insurance can only cover yourself and  immediate family members such as spouse and children.  Unless your brother is a legal dependent residing in your household, he would have to have his own plan.  This would be very unusual and the company would require documentation.  You can choose to help him pay his premium if affordability is an issue.]]></description>
		<content:encoded><![CDATA[Health insurance can only cover yourself and  immediate family members such as spouse and children.  Unless your brother is a legal dependent residing in your household, he would have to have his own plan.  This would be very unusual and the company would require documentation.  You can choose to help him pay his premium if affordability is an issue.]]></content:encoded>
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		<title>Answer on What Happens To Life Insurance When You Divorce? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-happens-to-life-insurance-when-you-divorce#answer_8558</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 07 Jul 2013 11:21:41 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-happens-to-life-insurance-when-you-divorce#answer_8558</guid>
		<description><![CDATA[Life insurance will remain in force as long as premiums are paid.  In divorce situations you may need to change ownership of the policy if it is owned by the spouse and you may also need to change the beneficiary.  Sit down with your agent or contact a good local agent and discuss your individual needs and options.]]></description>
		<content:encoded><![CDATA[Life insurance will remain in force as long as premiums are paid.  In divorce situations you may need to change ownership of the policy if it is owned by the spouse and you may also need to change the beneficiary.  Sit down with your agent or contact a good local agent and discuss your individual needs and options.]]></content:encoded>
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		<title>Answer on What Countries Accept Medicare? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/what-countries-accept-medicare#answer_8327</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 02 Jul 2013 11:05:56 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/what-countries-accept-medicare#answer_8327</guid>
		<description><![CDATA[It is not a matter of what countries accept Medicare.  Medicare is a United States provision and Medicare dictates what it will pay.  Medicare does not cover travel outside of the United States with very few exceptions, primarily certain emergency situations.  Some Medicare Advantage Plans and Medicare Supplements offer some foreign travel coverage.]]></description>
		<content:encoded><![CDATA[It is not a matter of what countries accept Medicare.  Medicare is a United States provision and Medicare dictates what it will pay.  Medicare does not cover travel outside of the United States with very few exceptions, primarily certain emergency situations.  Some Medicare Advantage Plans and Medicare Supplements offer some foreign travel coverage.]]></content:encoded>
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		<title>Answer on Can A Landlord Force You To Get Renters Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/renters-insurance/can-a-landlord-force-you-to-get-renters-insurance#answer_7886</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 27 Jun 2013 10:51:39 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/renters-insurance/can-a-landlord-force-you-to-get-renters-insurance#answer_7886</guid>
		<description><![CDATA[A landlord has the right to require you to carry Renters Insurance.  This is a protection for the landlord in the event of a liability lawsuit.  There is no law prohibiting a landlord from including this in their lease and it would be a breach of that lease agreement should you fail to comply.]]></description>
		<content:encoded><![CDATA[A landlord has the right to require you to carry Renters Insurance.  This is a protection for the landlord in the event of a liability lawsuit.  There is no law prohibiting a landlord from including this in their lease and it would be a breach of that lease agreement should you fail to comply.]]></content:encoded>
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		<title>Answer on What Is Modified Premium Whole Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-is-modified-premium-whole-life-insurance#answer_7114</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 17 Jun 2013 11:27:24 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-is-modified-premium-whole-life-insurance#answer_7114</guid>
		<description><![CDATA[With Modified Premium Whole Life the premium is lower in the first few years of the policy and increases in increments until the actual premium is reached.  These policies are usually sold to parents for their kids, keeping the premium lower until the kids are old enough to take over the policy on their own but I have also seen them offered on TV adds by companies trying to make their rates look lower to generate sales.  In the fine print that nobody reads it is disclosed that it is a Modified Premium Plan.  When you buy from a good ethical agent, you will know exactly what you are buying.]]></description>
		<content:encoded><![CDATA[With Modified Premium Whole Life the premium is lower in the first few years of the policy and increases in increments until the actual premium is reached.  These policies are usually sold to parents for their kids, keeping the premium lower until the kids are old enough to take over the policy on their own but I have also seen them offered on TV adds by companies trying to make their rates look lower to generate sales.  In the fine print that nobody reads it is disclosed that it is a Modified Premium Plan.  When you buy from a good ethical agent, you will know exactly what you are buying.]]></content:encoded>
	</item>
	<item>
		<title>Answer on Can You Skip A Car Insurance Payment? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/can-you-skip-a-car-insurance-payment#answer_7036</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 15 Jun 2013 14:54:33 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/can-you-skip-a-car-insurance-payment#answer_7036</guid>
		<description><![CDATA[No, auto insurance does not have a grace period.  If you are late with a payment and are involved in an accident the company does not have to pay the claim.  Also missing a payment could affect your rates if you have tickets since the company will run a Motor Vehicle Report before reinstating your policy.]]></description>
		<content:encoded><![CDATA[No, auto insurance does not have a grace period.  If you are late with a payment and are involved in an accident the company does not have to pay the claim.  Also missing a payment could affect your rates if you have tickets since the company will run a Motor Vehicle Report before reinstating your policy.]]></content:encoded>
	</item>
	<item>
		<title>Answer on When Can I Change Back To Original Medicare? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/when-can-i-change-back-to-original-medicare#answer_7017</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 15 Jun 2013 11:06:06 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/when-can-i-change-back-to-original-medicare#answer_7017</guid>
		<description><![CDATA[If you are currently in a Medicare Advantage Plan and want to switch back to original Medicare you may do so during the Annual Election Period with an effective date of January 1.  The Annual Election Period is from October 15th thru December 7th each year.  You may also have a Special Election Period should you move out of your plans service area, your plan is discontinued, or if you qualify for Medicaid or Low Income Subsidy.]]></description>
		<content:encoded><![CDATA[If you are currently in a Medicare Advantage Plan and want to switch back to original Medicare you may do so during the Annual Election Period with an effective date of January 1.  The Annual Election Period is from October 15th thru December 7th each year.  You may also have a Special Election Period should you move out of your plans service area, your plan is discontinued, or if you qualify for Medicaid or Low Income Subsidy.]]></content:encoded>
	</item>
	<item>
		<title>Answer on Can I Rent A Car With SR22 Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/can-i-rent-a-car-with-sr22-insurance#answer_6956</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 14 Jun 2013 11:00:04 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/can-i-rent-a-car-with-sr22-insurance#answer_6956</guid>
		<description><![CDATA[An SR22 is a Financial Responsibility filing with the State informing them that you have either purchased either liability insurance or a financial responsibility bond.  It will depend on the company renting the vehicle but most companies will rent you a vehicle.  They may want you to, and it would be advisable in this case, to purchase the extra insurance they offer or talk with your agent before renting a car and ask his advice since he would be more aware of the situation.]]></description>
		<content:encoded><![CDATA[An SR22 is a Financial Responsibility filing with the State informing them that you have either purchased either liability insurance or a financial responsibility bond.  It will depend on the company renting the vehicle but most companies will rent you a vehicle.  They may want you to, and it would be advisable in this case, to purchase the extra insurance they offer or talk with your agent before renting a car and ask his advice since he would be more aware of the situation.]]></content:encoded>
	</item>
	<item>
		<title>Answer on What Does 15 Year Term Life Insurance Mean? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-does-15-year-term-life-insurance-mean#answer_6954</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 14 Jun 2013 10:43:07 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-does-15-year-term-life-insurance-mean#answer_6954</guid>
		<description><![CDATA[Term insurance provides a life insurance for the term of the policy so in this case the insurance would be in effect for 15 years.  After 15 years if your policy is renewable you can renew the policy but the premium will be higher and based on your age at the time of renewal.  Some policies will also allow you to convert to a permanent plan regardless of your health.]]></description>
		<content:encoded><![CDATA[Term insurance provides a life insurance for the term of the policy so in this case the insurance would be in effect for 15 years.  After 15 years if your policy is renewable you can renew the policy but the premium will be higher and based on your age at the time of renewal.  Some policies will also allow you to convert to a permanent plan regardless of your health.]]></content:encoded>
	</item>
	<item>
		<title>Answer on Which Life Insurance Should I Choose? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/which-life-insurance-should-i-choose#answer_6949</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 14 Jun 2013 10:19:35 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/which-life-insurance-should-i-choose#answer_6949</guid>
		<description><![CDATA[Everyone&#039;s situation is different.  What may be a good program for one person is not necessarily right for another.  It is always best to sit down with a good independent life insurance agent and discuss your individual needs and goals.  What is the purpose of the insurance?  Is it short term to cover certain debts or is it a long term need?  A good agent will put together a plan that is affordable and will cover the majority of your needs.]]></description>
		<content:encoded><![CDATA[Everyone's situation is different.  What may be a good program for one person is not necessarily right for another.  It is always best to sit down with a good independent life insurance agent and discuss your individual needs and goals.  What is the purpose of the insurance?  Is it short term to cover certain debts or is it a long term need?  A good agent will put together a plan that is affordable and will cover the majority of your needs.]]></content:encoded>
	</item>
	<item>
		<title>Answer on Does Renters Insurance Cover Gifts? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/renters-insurance/does-renters-insurance-cover-gifts#answer_6945</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 14 Jun 2013 09:53:39 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/renters-insurance/does-renters-insurance-cover-gifts#answer_6945</guid>
		<description><![CDATA[Renters Insurance covers any personal property or personal property of others in your care, custody, and control from various named perils listed i your policy.  If a gift is stolen or is damaged by one of the other perils mentioned it would be covered subject to the deductible in your policy.]]></description>
		<content:encoded><![CDATA[Renters Insurance covers any personal property or personal property of others in your care, custody, and control from various named perils listed i your policy.  If a gift is stolen or is damaged by one of the other perils mentioned it would be covered subject to the deductible in your policy.]]></content:encoded>
	</item>
	<item>
		<title>Answer on When Is The Right Time To Purchase Long Term Care Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/long-term-care-insurance/when-is-the-right-time-to-purchase-long-term-care-insurance#answer_6577</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 09 Jun 2013 11:57:50 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/long-term-care-insurance/when-is-the-right-time-to-purchase-long-term-care-insurance#answer_6577</guid>
		<description><![CDATA[The best time to by Long Term Care is when you are relatively young and healthy.  Most people wait until they are older and their health declines.  At that point it either becomes too expensive or they cannot qualify due to their health.  I  would recommend looking at Long Term Care Insurance while in your forties at least.  There are some new hybrid life insurance policies that combine life insurance with long term care which may be a good affordable option.]]></description>
		<content:encoded><![CDATA[The best time to by Long Term Care is when you are relatively young and healthy.  Most people wait until they are older and their health declines.  At that point it either becomes too expensive or they cannot qualify due to their health.  I  would recommend looking at Long Term Care Insurance while in your forties at least.  There are some new hybrid life insurance policies that combine life insurance with long term care which may be a good affordable option.]]></content:encoded>
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	<item>
		<title>Answer on How Does A Universal Life Insurance Policy Work? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/how-does-a-universal-life-insurance-policy-work#answer_6497</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 08 Jun 2013 12:02:58 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/how-does-a-universal-life-insurance-policy-work#answer_6497</guid>
		<description><![CDATA[The Universal Life policy is a way to combine term insurance with an investment feature under one plan.  You have flexibility of premium.  The more you put in, the more your cash value grows.  You can skip premiums or put less into the plan as long as there is enough cash in the plan to maintain the insurance cost.  In order to make sure the death benefit will be available in your older years you MUST make sure you do not under fund your policy.  As you get older the cost of insurance increases.  If the cash fund does not maintain enough to pay the insurance cost the policy will lapse.  You will receive an annual statement each year, make sure you review this with your agent to make sure your policy is performing as planned.]]></description>
		<content:encoded><![CDATA[The Universal Life policy is a way to combine term insurance with an investment feature under one plan.  You have flexibility of premium.  The more you put in, the more your cash value grows.  You can skip premiums or put less into the plan as long as there is enough cash in the plan to maintain the insurance cost.  In order to make sure the death benefit will be available in your older years you MUST make sure you do not under fund your policy.  As you get older the cost of insurance increases.  If the cash fund does not maintain enough to pay the insurance cost the policy will lapse.  You will receive an annual statement each year, make sure you review this with your agent to make sure your policy is performing as planned.]]></content:encoded>
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	<item>
		<title>Answer on Can Life Insurance Proceeds Be Garnished? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/can-life-insurance-proceeds-be-garnished#answer_6308</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 06 Jun 2013 12:11:30 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/can-life-insurance-proceeds-be-garnished#answer_6308</guid>
		<description><![CDATA[While I am not an attorney and cannot speak for every situation, in most cases life insurance proceeds are protect from creditors and probate.There may be some situations that could result in garnishment however in most cases the answer would be no.  Check with your attorney to verify your particular situation.]]></description>
		<content:encoded><![CDATA[While I am not an attorney and cannot speak for every situation, in most cases life insurance proceeds are protect from creditors and probate.There may be some situations that could result in garnishment however in most cases the answer would be no.  Check with your attorney to verify your particular situation.]]></content:encoded>
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	<item>
		<title>Answer on Is Cash Value Life Insurance Protected From Creditors? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/is-cash-value-life-insurance-protected-from-creditors#answer_5883</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 02 Jun 2013 10:23:59 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/is-cash-value-life-insurance-protected-from-creditors#answer_5883</guid>
		<description><![CDATA[Yes, creditors cannot touch the cash value of life insurance nor can they touch the death benefit as long as there is a named beneficiary and the money is not left to the estate.  It is also protected from a divorce settlement and lawsuit.  This is what makes whole life an attractive base to a good financial portfolio.]]></description>
		<content:encoded><![CDATA[Yes, creditors cannot touch the cash value of life insurance nor can they touch the death benefit as long as there is a named beneficiary and the money is not left to the estate.  It is also protected from a divorce settlement and lawsuit.  This is what makes whole life an attractive base to a good financial portfolio.]]></content:encoded>
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	<item>
		<title>Answer on What Does Copay Mean In Health Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/what-does-copay-mean-in-health-insurance#answer_5763</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 31 May 2013 10:40:31 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/what-does-copay-mean-in-health-insurance#answer_5763</guid>
		<description><![CDATA[A copay is a set amount of the bill you are responsible for.  For example, if your policy has a $20 copay for doctors visit, and your doctor charges $100 per visit, your company pays $80 and you pay $20.  If your doctor charges $150, you still only pay $20  Coinsurance is a percentage of the bill you may be responsible for.  If you have a plan with 80/20 coinsurance and you have a $10,000 hospital bill, you will be responsible for $2000 (20%) and your company pays the balance]]></description>
		<content:encoded><![CDATA[A copay is a set amount of the bill you are responsible for.  For example, if your policy has a $20 copay for doctors visit, and your doctor charges $100 per visit, your company pays $80 and you pay $20.  If your doctor charges $150, you still only pay $20  Coinsurance is a percentage of the bill you may be responsible for.  If you have a plan with 80/20 coinsurance and you have a $10,000 hospital bill, you will be responsible for $2000 (20%) and your company pays the balance]]></content:encoded>
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	<item>
		<title>Answer on I&#8217;m 82 And With Bankers Life Medicare Sup, Can I Switch? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/im-82-and-with-bankers-life-medicare-sup-can-i-switch#answer_5724</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 30 May 2013 21:17:43 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/im-82-and-with-bankers-life-medicare-sup-can-i-switch#answer_5724</guid>
		<description><![CDATA[Yes as long as you can qualify medically with the company you would like to switch to.  Do not cancel your Bankers policy until you are approved for the new one.  Unlike Medicare Advantage, you can switch Medicare Supplements whenever you want.  You can only change your prescription drug plan October 15th thru Dec 7th.]]></description>
		<content:encoded><![CDATA[Yes as long as you can qualify medically with the company you would like to switch to.  Do not cancel your Bankers policy until you are approved for the new one.  Unlike Medicare Advantage, you can switch Medicare Supplements whenever you want.  You can only change your prescription drug plan October 15th thru Dec 7th.]]></content:encoded>
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	<item>
		<title>Answer on What Do I Need To Register For Medicare? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/what-do-i-need-to-register-for-medicare#answer_5636</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 30 May 2013 10:56:32 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/what-do-i-need-to-register-for-medicare#answer_5636</guid>
		<description><![CDATA[If you have paid taxes into the system then enrollment is automatic.  You should receive your Medicare card and a packet of information from Medicare shortly before you turn 65 or qualify for Medicare if you are on disability.  If you do not receive your card by the time you turn 65 then you need to call your Social Security office or 1-800-MEDICARE.]]></description>
		<content:encoded><![CDATA[If you have paid taxes into the system then enrollment is automatic.  You should receive your Medicare card and a packet of information from Medicare shortly before you turn 65 or qualify for Medicare if you are on disability.  If you do not receive your card by the time you turn 65 then you need to call your Social Security office or 1-800-MEDICARE.]]></content:encoded>
	</item>
	<item>
		<title>Answer on Does Health Insurance Cover Nicotine Patches? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/does-health-insurance-cover-nicotine-patches#answer_5632</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 30 May 2013 10:39:48 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/does-health-insurance-cover-nicotine-patches#answer_5632</guid>
		<description><![CDATA[It depends on your policy but more and more companies are paying for smoking cessation programs prescribed by a doctor.  It depends on the company so check with your agent or call the company to receive a more definitive answer to your question.  Your agent or customer service can help you.]]></description>
		<content:encoded><![CDATA[It depends on your policy but more and more companies are paying for smoking cessation programs prescribed by a doctor.  It depends on the company so check with your agent or call the company to receive a more definitive answer to your question.  Your agent or customer service can help you.]]></content:encoded>
	</item>
	<item>
		<title>Answer on Does My Medicare Cover My Wife? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/does-my-medicare-cover-my-wife#answer_5155</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 27 May 2013 10:12:21 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/does-my-medicare-cover-my-wife#answer_5155</guid>
		<description><![CDATA[Your wife must be qualified for Medicare to receive benefits.  If you are over 65 and on Medicare she can qualify based on your work history.  If your wife is not yet 65 or Social Security Disability then she will have to pick up a private insurance plan until she is eligible for Medicare.  She cannot be covered by your benefits.]]></description>
		<content:encoded><![CDATA[Your wife must be qualified for Medicare to receive benefits.  If you are over 65 and on Medicare she can qualify based on your work history.  If your wife is not yet 65 or Social Security Disability then she will have to pick up a private insurance plan until she is eligible for Medicare.  She cannot be covered by your benefits.]]></content:encoded>
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		<title>Answer on Can I Cancel My Health Insurance Without A Qualifying Event? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/can-i-cancel-my-health-insurance-without-a-qualifying-event#answer_4750</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 23 May 2013 19:53:11 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/can-i-cancel-my-health-insurance-without-a-qualifying-event#answer_4750</guid>
		<description><![CDATA[As long as it is not a group plan or a Medicare Advantage plan you can.  An individual health plan or Medicare Supplement can be cancelled at any time.  A group plan may require a qualifying event in order to make changes.  A Medicare Advantage plan can only be changed during the annual Open Enrollment unless there i a qualifying event.]]></description>
		<content:encoded><![CDATA[As long as it is not a group plan or a Medicare Advantage plan you can.  An individual health plan or Medicare Supplement can be cancelled at any time.  A group plan may require a qualifying event in order to make changes.  A Medicare Advantage plan can only be changed during the annual Open Enrollment unless there i a qualifying event.]]></content:encoded>
	</item>
	<item>
		<title>Answer on Can I Get Life Insurance With PTSD? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/can-i-get-life-insurance-with-ptsd#answer_4323</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 20 May 2013 11:42:42 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/can-i-get-life-insurance-with-ptsd#answer_4323</guid>
		<description><![CDATA[Yes however you will most likely not get standard rates, depending on the severity.  A lot depends on the medications you are on, the reason for the PTSD, the doctors evaluation and the extent you are disabled due to the disorder.  Worst case you will be able to get a guaranteed issue plan.  Talk to an experienced agent about your situation.  A good independent agent can help find the plan that is best for you.]]></description>
		<content:encoded><![CDATA[Yes however you will most likely not get standard rates, depending on the severity.  A lot depends on the medications you are on, the reason for the PTSD, the doctors evaluation and the extent you are disabled due to the disorder.  Worst case you will be able to get a guaranteed issue plan.  Talk to an experienced agent about your situation.  A good independent agent can help find the plan that is best for you.]]></content:encoded>
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	<item>
		<title>Answer on Can HIV Positive People Get Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/can-hiv-positive-people-get-life-insurance#answer_3579</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 13 May 2013 11:56:36 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/can-hiv-positive-people-get-life-insurance#answer_3579</guid>
		<description><![CDATA[There are some guaranteed Issue plans available with no health question.  Obviously you would pay more but yes you can get insurance.  Benefits would be limited for the first two or three years of the policy.  A good independent agent specializing in final expense needs can help you find a plan affordable for you.]]></description>
		<content:encoded><![CDATA[There are some guaranteed Issue plans available with no health question.  Obviously you would pay more but yes you can get insurance.  Benefits would be limited for the first two or three years of the policy.  A good independent agent specializing in final expense needs can help you find a plan affordable for you.]]></content:encoded>
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		<title>Answer on Who Gets Life Insurance If Beneficiary Is Dead? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/who-gets-life-insurance-if-beneficiary-is-dead#answer_2591</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 06 May 2013 10:27:46 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/who-gets-life-insurance-if-beneficiary-is-dead#answer_2591</guid>
		<description><![CDATA[If the beneficiary is deceased and there is no secondary beneficiary named then the proceeds would go into the estate.  This means that the life insure will now become subject to probate.  I highly suggest naming a secondary (contingent) beneficiary to your life insurance policies if you haven&#039;t already done so.  If you cannot find your agent, call the company and they can send you the forms.  If you still have problems a good experienced agent can help.]]></description>
		<content:encoded><![CDATA[If the beneficiary is deceased and there is no secondary beneficiary named then the proceeds would go into the estate.  This means that the life insure will now become subject to probate.  I highly suggest naming a secondary (contingent) beneficiary to your life insurance policies if you haven't already done so.  If you cannot find your agent, call the company and they can send you the forms.  If you still have problems a good experienced agent can help.]]></content:encoded>
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		<title>Answer on How To Get Life Insurance After Being Denied? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/how-to-get-life-insurance-after-being-denied#answer_2588</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 06 May 2013 10:09:37 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/how-to-get-life-insurance-after-being-denied#answer_2588</guid>
		<description><![CDATA[You can still get life insurance.  Which plan will depend on the reason for denial.  There are some plans that do not ask if you have ever been denied insurance.  If you can answer the rest of the health questions with a no answer you can get the insurance.  I have a couple plans that ask no health questions at all.  Just because you are denied insurance by one company does not mean you cannot get insurance through another.]]></description>
		<content:encoded><![CDATA[You can still get life insurance.  Which plan will depend on the reason for denial.  There are some plans that do not ask if you have ever been denied insurance.  If you can answer the rest of the health questions with a no answer you can get the insurance.  I have a couple plans that ask no health questions at all.  Just because you are denied insurance by one company does not mean you cannot get insurance through another.]]></content:encoded>
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	<item>
		<title>Answer on Does Life Insurance Pay For Accidental Overdose? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/does-life-insurance-pay-for-accidental-overdose#answer_2498</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 05 May 2013 11:12:12 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/does-life-insurance-pay-for-accidental-overdose#answer_2498</guid>
		<description><![CDATA[Yes, if however the overdose is an illegal drug and you die within the first two years, there may be a problem.&#160; Every Life app has a question regarding illegal drug use.&#160; If you answer no to that question and die of an illegal drug overdose within two years, there is a contestable clause.&#160; The insurance company will likely investigate to see if you failed to answer that question accurately.&#160; If they determine that you lied on the application they do not have to pay the claim, they will simply refund any premiums paid.]]></description>
		<content:encoded><![CDATA[Yes, if however the overdose is an illegal drug and you die within the first two years, there may be a problem.&nbsp; Every Life app has a question regarding illegal drug use.&nbsp; If you answer no to that question and die of an illegal drug overdose within two years, there is a contestable clause.&nbsp; The insurance company will likely investigate to see if you failed to answer that question accurately.&nbsp; If they determine that you lied on the application they do not have to pay the claim, they will simply refund any premiums paid.]]></content:encoded>
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		<title>Answer on Does Medicare Part A Pay For Outpatient Surgery? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/does-medicare-part-a-pay-for-outpatient-surgery#answer_1946</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 30 Apr 2013 11:38:33 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/does-medicare-part-a-pay-for-outpatient-surgery#answer_1946</guid>
		<description><![CDATA[Outpatient Surgery is covered under Medicare Part B.  Part A covers Hospital stays.  Part B covers outpatient costs such as outpatient surgery, doctor visits, outpatient lab and xrays.  Under Part B you are responsible for 20% of the Medicare approved amount.  Some states allow a doctor to charge up to 15% more than the Medicare approved amount that would also be your responsibility.]]></description>
		<content:encoded><![CDATA[Outpatient Surgery is covered under Medicare Part B.  Part A covers Hospital stays.  Part B covers outpatient costs such as outpatient surgery, doctor visits, outpatient lab and xrays.  Under Part B you are responsible for 20% of the Medicare approved amount.  Some states allow a doctor to charge up to 15% more than the Medicare approved amount that would also be your responsibility.]]></content:encoded>
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		<title>Answer on Does 1 Point Affect Auto Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/does-1-point-affect-auto-insurance#answer_1738</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 27 Apr 2013 10:41:51 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/does-1-point-affect-auto-insurance#answer_1738</guid>
		<description><![CDATA[Not usually depending on the company.  If you are changing companies sometimes you could lose a discount but it depends on how the companies underwriting is set up.  In most cases just having one point on your license will not raise your rates, in fact many companies, other than periodic spot checking, will only check your driving record if you have an accident or claim or at the time you take out your policy.  I have seen drivers with as high as six points getting preferred rates because the company had not checked their driving record.  Each company is different and each company varies on how often they check driving records.
 ]]></description>
		<content:encoded><![CDATA[Not usually depending on the company.  If you are changing companies sometimes you could lose a discount but it depends on how the companies underwriting is set up.  In most cases just having one point on your license will not raise your rates, in fact many companies, other than periodic spot checking, will only check your driving record if you have an accident or claim or at the time you take out your policy.  I have seen drivers with as high as six points getting preferred rates because the company had not checked their driving record.  Each company is different and each company varies on how often they check driving records.
 ]]></content:encoded>
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	<item>
		<title>Answer on Does Homeowners Insurance Cover Swimming Pools? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/does-homeowners-insurance-cover-swimming-pools#answer_1248</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 16 Apr 2013 10:21:03 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/does-homeowners-insurance-cover-swimming-pools#answer_1248</guid>
		<description><![CDATA[If a pool is damaged due to a covered peril there may be coverage.  For example a tree falls on the pool.  It will also cover liability if someone gets hurt or drowns in or around the pool.  Make sure your agent knows you have a pool and make sure it is properly fenced according to the insurance companies standards however.  If you don&#039;t and the company inspects it, you may face non-renewal.  Most companies require some type of fence around a pool.]]></description>
		<content:encoded><![CDATA[If a pool is damaged due to a covered peril there may be coverage.  For example a tree falls on the pool.  It will also cover liability if someone gets hurt or drowns in or around the pool.  Make sure your agent knows you have a pool and make sure it is properly fenced according to the insurance companies standards however.  If you don't and the company inspects it, you may face non-renewal.  Most companies require some type of fence around a pool.]]></content:encoded>
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	<item>
		<title>Answer on Does Home Insurance Cover Bat Removal? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/does-home-insurance-cover-bat-removal#answer_1247</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 16 Apr 2013 10:17:20 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/does-home-insurance-cover-bat-removal#answer_1247</guid>
		<description><![CDATA[No, that is generally not a covered peril.  A homeowners policy would not cover any type of extermination, bats, bugs rats or otherwise.  A homeowners policy is designed to cover natural perils such as fire, wind, hail etc.  Some homeowners policy will cover a broad range of perils but usually things like bats would be excluded.  Check with your agent and make sure.]]></description>
		<content:encoded><![CDATA[No, that is generally not a covered peril.  A homeowners policy would not cover any type of extermination, bats, bugs rats or otherwise.  A homeowners policy is designed to cover natural perils such as fire, wind, hail etc.  Some homeowners policy will cover a broad range of perils but usually things like bats would be excluded.  Check with your agent and make sure.]]></content:encoded>
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	<item>
		<title>Answer on What Is Reverse Life Insurance And How Does It Work? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-is-reverse-life-insurance-and-how-does-it-work#answer_930</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 12 Apr 2013 11:56:05 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-is-reverse-life-insurance-and-how-does-it-work#answer_930</guid>
		<description><![CDATA[Reverse Life insurance refers to a viatical settlement.  A person sells his life insurance police for cash, usually more than current cash value but less than the face amount.  The insured loses all interest in the policy and when the insured dies the money goes to the viatical company.]]></description>
		<content:encoded><![CDATA[Reverse Life insurance refers to a viatical settlement.  A person sells his life insurance police for cash, usually more than current cash value but less than the face amount.  The insured loses all interest in the policy and when the insured dies the money goes to the viatical company.]]></content:encoded>
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		<title>Answer on How Much Does Medicare Pay Doctors? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/how-much-does-medicare-pay-doctors#answer_12994</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 09 Oct 2013 18:25:12 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/how-much-does-medicare-pay-doctors#answer_12994</guid>
		<description><![CDATA[It depends upon the procedure.  Medicare has a list of codes that they use to determine the payment to doctors.  The best way to find out how uch a doctor is paid is to look at the explanation of benefits that Medicare provides.  This will list the actual charge, the medicare approved amount, and the amount owed by the beneficiary.  Medicare pays a doctor 80% of the approved amount.  For example if your doctor charges $125 for an office visit, Medicare may approve $100.  They would pay $80 and you would be responsible for the other $20.  In most States doctors may charge up to 15% over the Medicare approved amount.  Some States like Ohio, do not allow this excess charge.]]></description>
		<content:encoded><![CDATA[It depends upon the procedure.  Medicare has a list of codes that they use to determine the payment to doctors.  The best way to find out how uch a doctor is paid is to look at the explanation of benefits that Medicare provides.  This will list the actual charge, the medicare approved amount, and the amount owed by the beneficiary.  Medicare pays a doctor 80% of the approved amount.  For example if your doctor charges $125 for an office visit, Medicare may approve $100.  They would pay $80 and you would be responsible for the other $20.  In most States doctors may charge up to 15% over the Medicare approved amount.  Some States like Ohio, do not allow this excess charge.]]></content:encoded>
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		<title>Answer on How Do I Qualify For Medicare In Illinois? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/how-do-i-qualify-for-medicare-in-illinois#answer_10478</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 16 Aug 2013 11:59:30 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/how-do-i-qualify-for-medicare-in-illinois#answer_10478</guid>
		<description><![CDATA[Medicare is a federal run program.  To qualify you must have worked and paid into the system, be 65 or older or have certain disabilities.  Usually you will automatically be enrolled when you are eligible, however if you think you qualify call your local Social Security office or 1-800-MEDICARE.  Do not confuse Medicare with Medicaid, which is a combined Federal and State program for people with low income and assets.]]></description>
		<content:encoded><![CDATA[Medicare is a federal run program.  To qualify you must have worked and paid into the system, be 65 or older or have certain disabilities.  Usually you will automatically be enrolled when you are eligible, however if you think you qualify call your local Social Security office or 1-800-MEDICARE.  Do not confuse Medicare with Medicaid, which is a combined Federal and State program for people with low income and assets.]]></content:encoded>
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		<title>Answer on How Many Kinds Of Annuities Are There? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/annuities/how-many-kinds-of-annuities-are-there#answer_8670</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 10 Jul 2013 11:36:36 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/annuities/how-many-kinds-of-annuities-are-there#answer_8670</guid>
		<description><![CDATA[Simply put, there are just a few.  Fixed Annuities which provide a fixed interest rate, Indexed Annuities which provide an interest rate based on Stock Index performance, and Variable Annuities which are more firmly based on market performance.  These can be divided into two basic sub-categories, immediate, meaning they begin payout immediately and deferred, meaning payout will begin at a later date.  Any of these can be qualified, meaning they meet certain tax qualifications to be considered retirement vehicles, and non-qualified.  Each company will then have some variation of these basic forms of annuities.]]></description>
		<content:encoded><![CDATA[Simply put, there are just a few.  Fixed Annuities which provide a fixed interest rate, Indexed Annuities which provide an interest rate based on Stock Index performance, and Variable Annuities which are more firmly based on market performance.  These can be divided into two basic sub-categories, immediate, meaning they begin payout immediately and deferred, meaning payout will begin at a later date.  Any of these can be qualified, meaning they meet certain tax qualifications to be considered retirement vehicles, and non-qualified.  Each company will then have some variation of these basic forms of annuities.]]></content:encoded>
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		<title>Answer on Why Has Health Insurance Gone Up? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/why-has-health-insurance-gone-up#answer_8669</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 10 Jul 2013 11:25:20 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/why-has-health-insurance-gone-up#answer_8669</guid>
		<description><![CDATA[Health Insurance rates have gone up because the cost of care has gone up.  Insurance companies must now provide benefits that were not covered before.  Cost of prescriptions and the over prescribing of medications by some physicians add to those costs  Starting in 2014 insurance companies will have to accept pre-existing conditions which will increase claim payments dramatically.  Insurance premiums must go up to compensate for these increased costs.]]></description>
		<content:encoded><![CDATA[Health Insurance rates have gone up because the cost of care has gone up.  Insurance companies must now provide benefits that were not covered before.  Cost of prescriptions and the over prescribing of medications by some physicians add to those costs  Starting in 2014 insurance companies will have to accept pre-existing conditions which will increase claim payments dramatically.  Insurance premiums must go up to compensate for these increased costs.]]></content:encoded>
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		<title>Answer on What Is The Minimum Coverage For Auto Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/what-is-the-minimum-coverage-for-auto-insurance#answer_8620</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 09 Jul 2013 10:54:58 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/what-is-the-minimum-coverage-for-auto-insurance#answer_8620</guid>
		<description><![CDATA[It depends on the State you live in.  In Ohio and many other States the minimum has been set at $12,500 per person $25,000 per occurrence with $7,500 in property damage.  My feeling is that these amounts are too low.  The cost of a new car today is in excess of $20,000.  Medical costs are sky rocketing.  If you were injured in an accident and had to replace your car and pay high Medical bills would you be satisfied with these amounts?  Would you have an additional $10,000 to replace your car?  Do you have in excess of $50,000 or more to pay additional hospital costs and rehab?  States need to look at, and I recommend, increasing these limits to a minimum of $50,000 per person, $100,000 per occurrence with $50,000 property damage.]]></description>
		<content:encoded><![CDATA[It depends on the State you live in.  In Ohio and many other States the minimum has been set at $12,500 per person $25,000 per occurrence with $7,500 in property damage.  My feeling is that these amounts are too low.  The cost of a new car today is in excess of $20,000.  Medical costs are sky rocketing.  If you were injured in an accident and had to replace your car and pay high Medical bills would you be satisfied with these amounts?  Would you have an additional $10,000 to replace your car?  Do you have in excess of $50,000 or more to pay additional hospital costs and rehab?  States need to look at, and I recommend, increasing these limits to a minimum of $50,000 per person, $100,000 per occurrence with $50,000 property damage.]]></content:encoded>
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		<title>Answer on How Much Will Medicare Pay On An MRI? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/how-much-will-medicare-pay-on-an-mri#answer_8616</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 09 Jul 2013 10:29:47 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/how-much-will-medicare-pay-on-an-mri#answer_8616</guid>
		<description><![CDATA[An MRI would be payable at 80% of the Medicare Approved amount.  You will be responsible for 20%, so assuming for example that the approved cost of the MRI is $300 you would be responsible for $60, Medicare pays the rest.  Medicare Approved amounts are based on a schedule that Medicare has established.  The approved amount will depend on the code the doctor uses when submitting his bill to Medicare.]]></description>
		<content:encoded><![CDATA[An MRI would be payable at 80% of the Medicare Approved amount.  You will be responsible for 20%, so assuming for example that the approved cost of the MRI is $300 you would be responsible for $60, Medicare pays the rest.  Medicare Approved amounts are based on a schedule that Medicare has established.  The approved amount will depend on the code the doctor uses when submitting his bill to Medicare.]]></content:encoded>
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		<title>Answer on Does Medicare Have A Copay? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/does-medicare-have-a-copay#answer_8615</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 09 Jul 2013 10:23:56 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/does-medicare-have-a-copay#answer_8615</guid>
		<description><![CDATA[Under Part A, which covers hospital room and board and related expenses, there is a deductible of $1184 per benefit period.  Part B has an 80/20 coinsurance for Doctors and outpatient services and $148 per day coinsurance for days 21 through 100 in a skilled nursing facility.  There are no copay&#039;s under original Medicare.  Unlike Medicare Advantage, which has copay&#039;s and out of pocket maximums, Original Medicare has no out of pocket maximum.  A person could spend $10,000 or more under original Medicare if he or she develops a serious illness.  This is why it is wise to investigate either a Medicare Advantage Plan or better yet, a Medicare Supplement.]]></description>
		<content:encoded><![CDATA[Under Part A, which covers hospital room and board and related expenses, there is a deductible of $1184 per benefit period.  Part B has an 80/20 coinsurance for Doctors and outpatient services and $148 per day coinsurance for days 21 through 100 in a skilled nursing facility.  There are no copay's under original Medicare.  Unlike Medicare Advantage, which has copay's and out of pocket maximums, Original Medicare has no out of pocket maximum.  A person could spend $10,000 or more under original Medicare if he or she develops a serious illness.  This is why it is wise to investigate either a Medicare Advantage Plan or better yet, a Medicare Supplement.]]></content:encoded>
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		<title>Answer on When Does Medicare Part D Start? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/when-does-medicare-part-d-start#answer_8592</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 08 Jul 2013 12:54:10 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/when-does-medicare-part-d-start#answer_8592</guid>
		<description><![CDATA[You must enroll in Part D when you turn 65 or qualify for Medicare.  You have the three months before, the month of, and three months after you turn 65 to enroll in a plan.  The plans are administered through private insurance companies under the supervision of Medicare.  If you fail to enroll when you are eligible you will be penalized by Medicare for each month you do not have creditable coverage.  You may enroll in a plan or change your plan each year from October 15th through December 7th.]]></description>
		<content:encoded><![CDATA[You must enroll in Part D when you turn 65 or qualify for Medicare.  You have the three months before, the month of, and three months after you turn 65 to enroll in a plan.  The plans are administered through private insurance companies under the supervision of Medicare.  If you fail to enroll when you are eligible you will be penalized by Medicare for each month you do not have creditable coverage.  You may enroll in a plan or change your plan each year from October 15th through December 7th.]]></content:encoded>
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		<title>Answer on Why Get Medicare Advantage Plans? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/why-get-medicare-advantage-plans#answer_8497</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 05 Jul 2013 12:28:35 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/why-get-medicare-advantage-plans#answer_8497</guid>
		<description><![CDATA[Depending on where you live, the network in your area, and your personal situation Medicare Advantage Plans can be an attractive option.  Unlike Original Medicare, Medicare Advantage Plans have a maximum out of pocket that you would pay for healthcare potentially saving you 10&#039;s of thousands of dollars if you have a serious health issue.  Most plans have the prescription drug plan included saving you money on premiums.  Many also offer extra benefits such as gym membership, dental, and vision.  Many Medicare Advantage plans have $0 to very low premiums making them a very attractive option for those on a budget.]]></description>
		<content:encoded><![CDATA[Depending on where you live, the network in your area, and your personal situation Medicare Advantage Plans can be an attractive option.  Unlike Original Medicare, Medicare Advantage Plans have a maximum out of pocket that you would pay for healthcare potentially saving you 10's of thousands of dollars if you have a serious health issue.  Most plans have the prescription drug plan included saving you money on premiums.  Many also offer extra benefits such as gym membership, dental, and vision.  Many Medicare Advantage plans have $0 to very low premiums making them a very attractive option for those on a budget.]]></content:encoded>
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		<title>Answer on Will Medicare Cover A Nursing Home? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/will-medicare-cover-a-nursing-home#answer_8328</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 02 Jul 2013 11:13:49 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/will-medicare-cover-a-nursing-home#answer_8328</guid>
		<description><![CDATA[Medicare coverage for Nursing Home is extremely limited.  You must be admitted to the hospital for at least three days not counting day of discharge, you must need skilled care, and the reason for your care must be related to the reason for your hospital stay.  Medicare will pay all of the first 20 days in a Skilled Nursing Facility.  Days 21 through 100 you will have a copay.  This year that copay is $148 per day.  Medicare does not pay for custodial care, which means that unless there is the ability for the persons health to improve by receiving skilled care, Medicare will not pay.]]></description>
		<content:encoded><![CDATA[Medicare coverage for Nursing Home is extremely limited.  You must be admitted to the hospital for at least three days not counting day of discharge, you must need skilled care, and the reason for your care must be related to the reason for your hospital stay.  Medicare will pay all of the first 20 days in a Skilled Nursing Facility.  Days 21 through 100 you will have a copay.  This year that copay is $148 per day.  Medicare does not pay for custodial care, which means that unless there is the ability for the persons health to improve by receiving skilled care, Medicare will not pay.]]></content:encoded>
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		<title>Answer on Does Renters Insurance Cover Tornado? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/renters-insurance/does-renters-insurance-cover-tornado#answer_7846</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 26 Jun 2013 11:37:16 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/renters-insurance/does-renters-insurance-cover-tornado#answer_7846</guid>
		<description><![CDATA[Yes, your personal property would be covered if it incurred tornado or wind damage.  If you live in a tornado prone area I recommend keeping receipts, pictures and an inventory of your personal property somewhere off location, perhaps a friend or relatives house.  That way if you incur a total loss you will be able to prove what belongings you had and it refreshes your memory when filing your claim.]]></description>
		<content:encoded><![CDATA[Yes, your personal property would be covered if it incurred tornado or wind damage.  If you live in a tornado prone area I recommend keeping receipts, pictures and an inventory of your personal property somewhere off location, perhaps a friend or relatives house.  That way if you incur a total loss you will be able to prove what belongings you had and it refreshes your memory when filing your claim.]]></content:encoded>
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		<title>Answer on Is Critical Illness Insurance Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/critical-illness-insurance/is-critical-illness-insurance-life-insurance#answer_7789</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 25 Jun 2013 10:35:54 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/critical-illness-insurance/is-critical-illness-insurance-life-insurance#answer_7789</guid>
		<description><![CDATA[No, life insurance covers you and pays your beneficiary when you die.  Critical illness insurance pays you while you are still living to help offset the additional costs that may not be covered by your health insurance such as lost wages, alternative health treatments, deductibles and copay&#039;s and other expenses.  Some life insurance policies contain a critical illness rider that allows a portion of the death benefit to be paid when you are diagnosed whith a critical illness.]]></description>
		<content:encoded><![CDATA[No, life insurance covers you and pays your beneficiary when you die.  Critical illness insurance pays you while you are still living to help offset the additional costs that may not be covered by your health insurance such as lost wages, alternative health treatments, deductibles and copay's and other expenses.  Some life insurance policies contain a critical illness rider that allows a portion of the death benefit to be paid when you are diagnosed whith a critical illness.]]></content:encoded>
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		<title>Answer on Is Life Insurance Cheaper For Women? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/is-life-insurance-cheaper-for-women#answer_7787</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 25 Jun 2013 10:26:27 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/is-life-insurance-cheaper-for-women#answer_7787</guid>
		<description><![CDATA[With most companies the answer is yes.  This is because statistically women live longer thean men.  Since life insurance rates are based on mortality tables which predict the average life span of individuals, rates are going to be lower than for men.  Some companies offer Unisex rates that uses an average of the two and bases their rates accordingly.]]></description>
		<content:encoded><![CDATA[With most companies the answer is yes.  This is because statistically women live longer thean men.  Since life insurance rates are based on mortality tables which predict the average life span of individuals, rates are going to be lower than for men.  Some companies offer Unisex rates that uses an average of the two and bases their rates accordingly.]]></content:encoded>
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		<title>Answer on Why Should I Put My Life Insurance In Trust? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/why-should-i-put-my-life-insurance-in-trust#answer_7507</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 22 Jun 2013 11:15:43 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/why-should-i-put-my-life-insurance-in-trust#answer_7507</guid>
		<description><![CDATA[There are a number of reasons, depending on the type of Trust.  Some Trusts help protect the funds from Medicaid fro example.  There are also tax and estate considerations.  Whether to put the insurance in a Trust depends on your individual circumstances and requires the advice of a good agent or planner to help determine the advantages to you and the type of Trust you should use.]]></description>
		<content:encoded><![CDATA[There are a number of reasons, depending on the type of Trust.  Some Trusts help protect the funds from Medicaid fro example.  There are also tax and estate considerations.  Whether to put the insurance in a Trust depends on your individual circumstances and requires the advice of a good agent or planner to help determine the advantages to you and the type of Trust you should use.]]></content:encoded>
	</item>
	<item>
		<title>Answer on How Long Does It Usually Take To Get A Life Insurance Check? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/how-long-does-it-usually-take-to-get-a-life-insurance-check#answer_7392</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 21 Jun 2013 11:41:16 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/how-long-does-it-usually-take-to-get-a-life-insurance-check#answer_7392</guid>
		<description><![CDATA[You will usually receive your check within a couple weeks of submitting proof of death to the insurance company in the event of a death claim as long as their are no reasons to dispute the claim.  If you are surrendering your policy or taking a loan then again two to three weeks after mailing the paperwork would be normal.]]></description>
		<content:encoded><![CDATA[You will usually receive your check within a couple weeks of submitting proof of death to the insurance company in the event of a death claim as long as their are no reasons to dispute the claim.  If you are surrendering your policy or taking a loan then again two to three weeks after mailing the paperwork would be normal.]]></content:encoded>
	</item>
	<item>
		<title>Answer on How Long Can I Carry My Child On My Auto Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/how-long-can-i-carry-my-child-on-my-auto-insurance#answer_7390</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 21 Jun 2013 11:32:29 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/how-long-can-i-carry-my-child-on-my-auto-insurance#answer_7390</guid>
		<description><![CDATA[As long as your child is driving your car or a car titled to you, you can keep your child on your insurance.  Once your child purchases a car in your child&#039;s name that child must purchase their own insurance.  There is no age requirement, it is based on who owns the car, you or your child.]]></description>
		<content:encoded><![CDATA[As long as your child is driving your car or a car titled to you, you can keep your child on your insurance.  Once your child purchases a car in your child's name that child must purchase their own insurance.  There is no age requirement, it is based on who owns the car, you or your child.]]></content:encoded>
	</item>
	<item>
		<title>Answer on How Much Life Insurance You Should Buy? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/how-much-life-insurance-you-should-buy#answer_7383</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 21 Jun 2013 10:57:11 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/how-much-life-insurance-you-should-buy#answer_7383</guid>
		<description><![CDATA[Each person has different needs and situations that make it impossible to answer this question definitively.  You need to analyze things like final expense needs, debt, income, assets you wish to protect or pass to your heirs, estate issues, estate taxes if any, and a variety of factors based on your situation.  Sit down with a good agent and have him do a complete fact find and estate analysis to come up with an affordable plan that covers your needs.]]></description>
		<content:encoded><![CDATA[Each person has different needs and situations that make it impossible to answer this question definitively.  You need to analyze things like final expense needs, debt, income, assets you wish to protect or pass to your heirs, estate issues, estate taxes if any, and a variety of factors based on your situation.  Sit down with a good agent and have him do a complete fact find and estate analysis to come up with an affordable plan that covers your needs.]]></content:encoded>
	</item>
	<item>
		<title>Answer on Does Medicare Advantage Replace Medicare? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/does-medicare-advantage-replace-medicare#answer_7246</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 19 Jun 2013 11:47:04 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/does-medicare-advantage-replace-medicare#answer_7246</guid>
		<description><![CDATA[Medicare Advantage only replaces Medicare from the stand point of claims administration and benefits.  You are still in the Medicare system and still have all the rights and protections of Medicare.  The only real difference to you is that with Medicare Advantage you usually have more benefits than original Medicare and the insurance company pays the claim.  Sit down with a good agent who specializes in helping older adults with their Medicare programs.  Find one who is able to offer multiple insurance companies and that offers both Medicare Advantage and Medicare Supplements.]]></description>
		<content:encoded><![CDATA[Medicare Advantage only replaces Medicare from the stand point of claims administration and benefits.  You are still in the Medicare system and still have all the rights and protections of Medicare.  The only real difference to you is that with Medicare Advantage you usually have more benefits than original Medicare and the insurance company pays the claim.  Sit down with a good agent who specializes in helping older adults with their Medicare programs.  Find one who is able to offer multiple insurance companies and that offers both Medicare Advantage and Medicare Supplements.]]></content:encoded>
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	<item>
		<title>Answer on What Is The Risk Of Annuities? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/annuities/what-is-the-risk-of-annuities#answer_7169</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 18 Jun 2013 11:16:01 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/annuities/what-is-the-risk-of-annuities#answer_7169</guid>
		<description><![CDATA[One of the biggest advantages to Annuities is the low risk.  As long as you follow the terms of the contract and do not surrender early, you will never lose money on an Annuity. Indexed Annuities are tied to the Stock indexes and can provide some of the gains without the risk of the stock market.  Due to the guarantees in the contract and lower risk, you will not have the higher gains of riskier investments, but it is still competitive since you do not have to worry about the losses.  Never tie up all of your money into any long term investment vehicle.  Companies are now required to have suitability requirements so make sure you understand what you are purchasing and the surrender terms.]]></description>
		<content:encoded><![CDATA[One of the biggest advantages to Annuities is the low risk.  As long as you follow the terms of the contract and do not surrender early, you will never lose money on an Annuity. Indexed Annuities are tied to the Stock indexes and can provide some of the gains without the risk of the stock market.  Due to the guarantees in the contract and lower risk, you will not have the higher gains of riskier investments, but it is still competitive since you do not have to worry about the losses.  Never tie up all of your money into any long term investment vehicle.  Companies are now required to have suitability requirements so make sure you understand what you are purchasing and the surrender terms.]]></content:encoded>
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	<item>
		<title>Answer on Why Is Dave Ramsey Against Whole Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/why-is-dave-ramsey-against-whole-life-insurance#answer_7110</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 17 Jun 2013 11:05:22 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/why-is-dave-ramsey-against-whole-life-insurance#answer_7110</guid>
		<description><![CDATA[Dave Ramsey&#039;s concept is that you should buy term and invest the difference.  Since term insurance is less expensive initially, investing the difference in cost between term insurance and whole life insurance you will receive a greater return.  In principle and theory he is right.  In actual practice, statistics show that people buy term with this in mind but do not follow through on the investment portion.  The result is that people are left with no insurance in their later years, because term insurance premiums increase in later years and become unaffordable.  Often they end up with less savings than they would have had if they had purchased whole life.  When you consider the tax friendliness of whole life, probate avoidance, and other factors Whole Life often in reality comes out on top.  Dave Ramsey&#039;s concept is not new, it has been around since A.L. Williams in the early 1980&#039;s.  Unless a person is extremely disciplined and has enough liquid cash flow, the concept of buy term and invest the difference has historically not worked for most people.  Life happens, emergencies come up, expenses rise and the investment part of the plan is put on the back burner.  I know some of my colleagues will disagree with me.  They point to numbers on illustrations that look good in theory.  I am not saying the concept won&#039;t work.  I am pointing out the reality that unless a person truly follows through on the plan, historically it hasn&#039;t for many.  I see too many people end up with no insurance in their later years when they need it most.  You should have at least a solid base of Whole Life.  Life Insurance is not a good investment in fact it is not an investment.  It is a good semi-compulsory way to save money for a later date while at the same time providing an immediate estate should you die too soon.]]></description>
		<content:encoded><![CDATA[Dave Ramsey's concept is that you should buy term and invest the difference.  Since term insurance is less expensive initially, investing the difference in cost between term insurance and whole life insurance you will receive a greater return.  In principle and theory he is right.  In actual practice, statistics show that people buy term with this in mind but do not follow through on the investment portion.  The result is that people are left with no insurance in their later years, because term insurance premiums increase in later years and become unaffordable.  Often they end up with less savings than they would have had if they had purchased whole life.  When you consider the tax friendliness of whole life, probate avoidance, and other factors Whole Life often in reality comes out on top.  Dave Ramsey's concept is not new, it has been around since A.L. Williams in the early 1980's.  Unless a person is extremely disciplined and has enough liquid cash flow, the concept of buy term and invest the difference has historically not worked for most people.  Life happens, emergencies come up, expenses rise and the investment part of the plan is put on the back burner.  I know some of my colleagues will disagree with me.  They point to numbers on illustrations that look good in theory.  I am not saying the concept won't work.  I am pointing out the reality that unless a person truly follows through on the plan, historically it hasn't for many.  I see too many people end up with no insurance in their later years when they need it most.  You should have at least a solid base of Whole Life.  Life Insurance is not a good investment in fact it is not an investment.  It is a good semi-compulsory way to save money for a later date while at the same time providing an immediate estate should you die too soon.]]></content:encoded>
	</item>
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		<title>Answer on When Can I Change My Medigap Plan? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/when-can-i-change-my-medigap-plan#answer_7086</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 16 Jun 2013 12:01:41 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/when-can-i-change-my-medigap-plan#answer_7086</guid>
		<description><![CDATA[Medigap, also know as Medicare Supplement insurance can be changed at any time.  You do not have to wait until open enrollment in October.  Since Medicare Supplements are in addition to Original Medicare, the rules are different than a Medicare Advantage Plan that basically takes the place of Original Medicare.  If you have a prescription drug plan, (Part D) you will have to wait until Open Enrollment October 15th through December 7th to change the Part D.]]></description>
		<content:encoded><![CDATA[Medigap, also know as Medicare Supplement insurance can be changed at any time.  You do not have to wait until open enrollment in October.  Since Medicare Supplements are in addition to Original Medicare, the rules are different than a Medicare Advantage Plan that basically takes the place of Original Medicare.  If you have a prescription drug plan, (Part D) you will have to wait until Open Enrollment October 15th through December 7th to change the Part D.]]></content:encoded>
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		<title>Answer on What Does Disability Insurance Mean? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/disability-insurance/what-does-disability-insurance-mean#answer_7084</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 16 Jun 2013 11:48:34 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/disability-insurance/what-does-disability-insurance-mean#answer_7084</guid>
		<description><![CDATA[Disability insurance is just that!  It covers you should you be unable to perform your job due to an accident or illness.  Some companies consider disability to include &quot;any occupation&quot; while others consider disability to mean  that you are unable to perform the duties of your own occupation.  When selecting a disability plan make sure you choose &quot;own occupation&quot; over &quot;any occupation.&quot;]]></description>
		<content:encoded><![CDATA[Disability insurance is just that!  It covers you should you be unable to perform your job due to an accident or illness.  Some companies consider disability to include "any occupation" while others consider disability to mean  that you are unable to perform the duties of your own occupation.  When selecting a disability plan make sure you choose "own occupation" over "any occupation."]]></content:encoded>
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		<title>Answer on Why Should I Invest In Annuities? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/annuities/why-should-i-invest-in-annuities#answer_7026</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 15 Jun 2013 11:54:42 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/annuities/why-should-i-invest-in-annuities#answer_7026</guid>
		<description><![CDATA[Annuities are a safe way to save money and receive a competitive interest rate without the risk of the stock market.  They are generally taxed defered until the proceeds are withdrawn. They are the only retirement vehicle that can guarantee an income for life.  They avoid probate and they can also be protected from creditors in many cases.]]></description>
		<content:encoded><![CDATA[Annuities are a safe way to save money and receive a competitive interest rate without the risk of the stock market.  They are generally taxed defered until the proceeds are withdrawn. They are the only retirement vehicle that can guarantee an income for life.  They avoid probate and they can also be protected from creditors in many cases.]]></content:encoded>
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		<title>Answer on How Much Money Does Life Insurance Give You? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/how-much-money-does-life-insurance-give-you#answer_6953</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 14 Jun 2013 10:39:26 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/how-much-money-does-life-insurance-give-you#answer_6953</guid>
		<description><![CDATA[Life insurance will pay to the beneficiary whatever the face amount of the policy is when you die.  If you have a permanent policy then you may be able to take a loan out on any cash value that has accumulated in the policy or you can cash surrender the policy for the cash value.  Check with your company or agent to find out how much cash value is in your policy.]]></description>
		<content:encoded><![CDATA[Life insurance will pay to the beneficiary whatever the face amount of the policy is when you die.  If you have a permanent policy then you may be able to take a loan out on any cash value that has accumulated in the policy or you can cash surrender the policy for the cash value.  Check with your company or agent to find out how much cash value is in your policy.]]></content:encoded>
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		<title>Answer on Is Medicare B Voluntary? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/is-medicare-b-voluntary#answer_6738</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 11 Jun 2013 11:06:14 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/is-medicare-b-voluntary#answer_6738</guid>
		<description><![CDATA[You do have the right to opt out of Part B.  Be very careful however.  Unless you have group or other coverage equal to Medicare, then you can be penalized for every month that goes by that you were eligible for and did not carry Part B.  That penalty will never go away and can get very expensive.  I do not recommend opting out of Part B.]]></description>
		<content:encoded><![CDATA[You do have the right to opt out of Part B.  Be very careful however.  Unless you have group or other coverage equal to Medicare, then you can be penalized for every month that goes by that you were eligible for and did not carry Part B.  That penalty will never go away and can get very expensive.  I do not recommend opting out of Part B.]]></content:encoded>
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		<title>Answer on How Do I Plan For Retirement? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/retirement-plans/how-do-i-plan-for-retirement#answer_6733</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 11 Jun 2013 10:46:14 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/retirement-plans/how-do-i-plan-for-retirement#answer_6733</guid>
		<description><![CDATA[Start planning early.  Set aside funds in a combination of investments and insurance.  The younger you start the greater your chances of accumulating retirement funds.  Take into consideration projected Social Security income but do not rely on it to be your only source of retirement.  A lot depends on your individual circumstances.  Sit down with a good retirement planner and put together a plan that meets your individual situation.]]></description>
		<content:encoded><![CDATA[Start planning early.  Set aside funds in a combination of investments and insurance.  The younger you start the greater your chances of accumulating retirement funds.  Take into consideration projected Social Security income but do not rely on it to be your only source of retirement.  A lot depends on your individual circumstances.  Sit down with a good retirement planner and put together a plan that meets your individual situation.]]></content:encoded>
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	<item>
		<title>Answer on Is Pregnancy Covered By Medicare? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/is-pregnancy-covered-by-medicare#answer_6732</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 11 Jun 2013 10:41:26 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/is-pregnancy-covered-by-medicare#answer_6732</guid>
		<description><![CDATA[I have never seen any exclusion for pregnancy.  Most people on Medicare are beyond child bearing years.  If a person who is younger and receiving Medicare because of disability gets pregnant the pregnancy would most likely be covered the same as any illness.  Under the new PPACA law pregnancy is required to be covered for all female applicants of health insurance.]]></description>
		<content:encoded><![CDATA[I have never seen any exclusion for pregnancy.  Most people on Medicare are beyond child bearing years.  If a person who is younger and receiving Medicare because of disability gets pregnant the pregnancy would most likely be covered the same as any illness.  Under the new PPACA law pregnancy is required to be covered for all female applicants of health insurance.]]></content:encoded>
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		<title>Answer on What Happens When My Term Life Insurance Ends? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-happens-when-my-term-life-insurance-ends#answer_6576</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 09 Jun 2013 10:58:27 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-happens-when-my-term-life-insurance-ends#answer_6576</guid>
		<description><![CDATA[Unless your policy is renewable (at a higher premium) or convertible to a permanent plan, your term insurance ceases to exist.  Any monies paid in is pure cost.  There are some term plans that offer Return of Premium riders at an extra cost.  Unless you die during the term period there is no equity in a term policy.]]></description>
		<content:encoded><![CDATA[Unless your policy is renewable (at a higher premium) or convertible to a permanent plan, your term insurance ceases to exist.  Any monies paid in is pure cost.  There are some term plans that offer Return of Premium riders at an extra cost.  Unless you die during the term period there is no equity in a term policy.]]></content:encoded>
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		<title>Answer on Can You Get Life Insurance If You Are Terminally Ill? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/can-you-get-life-insurance-if-you-are-terminally-ill#answer_6575</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 09 Jun 2013 10:53:48 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/can-you-get-life-insurance-if-you-are-terminally-ill#answer_6575</guid>
		<description><![CDATA[There are a few guaranteed issue plans available that have no health questions.  The problem would be your life expectancy.  Guaranteed Issue plans will only pay a limited amount, either a percentage of death benefit or return of premium plus interest, for the first two or three years.  If your life expectancy is below that two or three years it may not be to your advantage to take out a policy.]]></description>
		<content:encoded><![CDATA[There are a few guaranteed issue plans available that have no health questions.  The problem would be your life expectancy.  Guaranteed Issue plans will only pay a limited amount, either a percentage of death benefit or return of premium plus interest, for the first two or three years.  If your life expectancy is below that two or three years it may not be to your advantage to take out a policy.]]></content:encoded>
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		<title>Answer on Can I Cash In A Life Insurance Policy? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/can-i-cash-in-a-life-insurance-policy#answer_6404</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 07 Jun 2013 10:46:12 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/can-i-cash-in-a-life-insurance-policy#answer_6404</guid>
		<description><![CDATA[If the policy is a Whole Life or Universal Life that has cash value in it then the answer is yes, you can cash the policy in for the accrued surrender value. &#160;You can also take a loan on the policy which is a better option in most cases. &#160;Remember it is not always to your advantage to surrender a life policy.]]></description>
		<content:encoded><![CDATA[If the policy is a Whole Life or Universal Life that has cash value in it then the answer is yes, you can cash the policy in for the accrued surrender value. &nbsp;You can also take a loan on the policy which is a better option in most cases. &nbsp;Remember it is not always to your advantage to surrender a life policy.]]></content:encoded>
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		<title>Answer on Can Two People Own A Life Insurance Policy? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/can-two-people-own-a-life-insurance-policy#answer_6307</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 06 Jun 2013 12:07:13 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/can-two-people-own-a-life-insurance-policy#answer_6307</guid>
		<description><![CDATA[Yes a life insurance policy can be owned by two or more people providing there is insurable interest.  An example of this would be two siblings who wan to take a policy out on their parent.  They plan on sharing the premium and any cash value or death proceeds paid out by the policy.  They may choose to be co-owners.]]></description>
		<content:encoded><![CDATA[Yes a life insurance policy can be owned by two or more people providing there is insurable interest.  An example of this would be two siblings who wan to take a policy out on their parent.  They plan on sharing the premium and any cash value or death proceeds paid out by the policy.  They may choose to be co-owners.]]></content:encoded>
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		<title>Answer on At What Age Does Life Insurance Go Up? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/at-what-age-does-life-insurance-go-up#answer_6304</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 06 Jun 2013 11:49:58 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/at-what-age-does-life-insurance-go-up#answer_6304</guid>
		<description><![CDATA[It depends on your policy.  Premiums on Whole Life never go up.  A properly funded Universal Life will never go up.  Term insurance will go up at the end of each term.  One year term will go up each year, 10 year term every 10 years, 20 year term every 20 years and so forth, assuming that the term policy is renewable.]]></description>
		<content:encoded><![CDATA[It depends on your policy.  Premiums on Whole Life never go up.  A properly funded Universal Life will never go up.  Term insurance will go up at the end of each term.  One year term will go up each year, 10 year term every 10 years, 20 year term every 20 years and so forth, assuming that the term policy is renewable.]]></content:encoded>
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		<title>Answer on What Is Credit Life And Disability Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-is-credit-life-and-disability-insurance#answer_6031</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 03 Jun 2013 13:10:25 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-is-credit-life-and-disability-insurance#answer_6031</guid>
		<description><![CDATA[Credit life and credit disability is in place to insure that a product will be paid for in the event of the purchasers premature death or becoming disabled.  The beneficiary is usually the seller of the product involved.  Depending on the size of the purchase credit life or disability may be a good idea, however often you can purchase an individual policy on your own that will protect you and pay you instead of the seller.]]></description>
		<content:encoded><![CDATA[Credit life and credit disability is in place to insure that a product will be paid for in the event of the purchasers premature death or becoming disabled.  The beneficiary is usually the seller of the product involved.  Depending on the size of the purchase credit life or disability may be a good idea, however often you can purchase an individual policy on your own that will protect you and pay you instead of the seller.]]></content:encoded>
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		<title>Answer on When Should I Apply For Medicare Benefits? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/when-should-i-apply-for-medicare-benefits#answer_6019</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 03 Jun 2013 12:24:36 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/when-should-i-apply-for-medicare-benefits#answer_6019</guid>
		<description><![CDATA[When you are eligible at age 65 you will automatically be enrolled, you do not usually have to apply.  The initial enrollment period would be three months before, the month of, and three months after your 65th birthday or if disabled, your medicare eligibility date.  If you do not receive your Medicare card by your 65th birthday call your local Social Security office or 1-800-MEDICARE.]]></description>
		<content:encoded><![CDATA[When you are eligible at age 65 you will automatically be enrolled, you do not usually have to apply.  The initial enrollment period would be three months before, the month of, and three months after your 65th birthday or if disabled, your medicare eligibility date.  If you do not receive your Medicare card by your 65th birthday call your local Social Security office or 1-800-MEDICARE.]]></content:encoded>
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		<title>Answer on Where Is The Best Place To Get Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/where-is-the-best-place-to-get-life-insurance#answer_5972</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 02 Jun 2013 22:37:51 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/where-is-the-best-place-to-get-life-insurance#answer_5972</guid>
		<description><![CDATA[I recommend sitting down with an independent life insurance agent.  A good agent will examine your current situation and recommend a plan that meets your goals and budget.  He will be able to find the plan or combination of plans with good solid companies. A local experience agent will also be able to provide you with the service you may need as time goes on.]]></description>
		<content:encoded><![CDATA[I recommend sitting down with an independent life insurance agent.  A good agent will examine your current situation and recommend a plan that meets your goals and budget.  He will be able to find the plan or combination of plans with good solid companies. A local experience agent will also be able to provide you with the service you may need as time goes on.]]></content:encoded>
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		<title>Answer on How Does Paid Up Life Insurance Work? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/how-does-paid-up-life-insurance-work#answer_5884</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 02 Jun 2013 10:29:07 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/how-does-paid-up-life-insurance-work#answer_5884</guid>
		<description><![CDATA[When a life insurance policy is paid up it simply means that no more premiums are due to maintain the death benefit.  It is like paying off your car.  Mutual companies who pay dividends allow you to take your dividends in the form of paid up insurance.  This allows you to increase your death benefit.  With whole life policies you can also take a reduced paid up policy which allows you to stop making premium payments in exchange for a lesser face amount that would be considered paid up.]]></description>
		<content:encoded><![CDATA[When a life insurance policy is paid up it simply means that no more premiums are due to maintain the death benefit.  It is like paying off your car.  Mutual companies who pay dividends allow you to take your dividends in the form of paid up insurance.  This allows you to increase your death benefit.  With whole life policies you can also take a reduced paid up policy which allows you to stop making premium payments in exchange for a lesser face amount that would be considered paid up.]]></content:encoded>
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		<title>Answer on Why Will Health Insurance Rates Go Up? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/why-will-health-insurance-rates-go-up#answer_5713</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 30 May 2013 19:46:15 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/why-will-health-insurance-rates-go-up#answer_5713</guid>
		<description><![CDATA[Because of the affordable care act insurance companies must cover everyone regardless of their health.  This will increase claims.  The companies must also cover pregnancy for all women which is an increased exposure in many cases.  Companies can no longer charge according to age, the rates will be determined by community rating.  As a result younger people will have their rates go up while some older people may have their rates go down.  All of this increased exposure means more claims.  The companies will be forced to raise rates to keep solvent.]]></description>
		<content:encoded><![CDATA[Because of the affordable care act insurance companies must cover everyone regardless of their health.  This will increase claims.  The companies must also cover pregnancy for all women which is an increased exposure in many cases.  Companies can no longer charge according to age, the rates will be determined by community rating.  As a result younger people will have their rates go up while some older people may have their rates go down.  All of this increased exposure means more claims.  The companies will be forced to raise rates to keep solvent.]]></content:encoded>
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		<title>Answer on Does Homeowners Insurance Cover Workers? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/does-homeowners-insurance-cover-workers#answer_5643</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 30 May 2013 11:17:38 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/does-homeowners-insurance-cover-workers#answer_5643</guid>
		<description><![CDATA[Yes, it will cover anyone hurt on your property if you are sued.  That being said, you should make sure that anyone who does work on your property has there own insurance.  A reputable contractor usually is covered by workman&#039;s compensation if his employees are hurt while on the job.]]></description>
		<content:encoded><![CDATA[Yes, it will cover anyone hurt on your property if you are sued.  That being said, you should make sure that anyone who does work on your property has there own insurance.  A reputable contractor usually is covered by workman's compensation if his employees are hurt while on the job.]]></content:encoded>
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		<title>Answer on Can Health Insurance Be Reinstated? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/can-health-insurance-be-reinstated#answer_5459</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 29 May 2013 10:47:12 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/can-health-insurance-be-reinstated#answer_5459</guid>
		<description><![CDATA[That would be up to the company involved.  If your policy has a Grace Period and you are outside of that period a lot will depend on your health.  At this time a company still has the right to refuse to reinstate if you are having health issues.That will change January 1st 2014.]]></description>
		<content:encoded><![CDATA[That would be up to the company involved.  If your policy has a Grace Period and you are outside of that period a lot will depend on your health.  At this time a company still has the right to refuse to reinstate if you are having health issues.That will change January 1st 2014.]]></content:encoded>
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		<title>Answer on Can You Claim A Tummy Tuck On Medicare? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/can-you-claim-a-tummy-tuck-on-medicare#answer_5291</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 28 May 2013 11:34:17 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/can-you-claim-a-tummy-tuck-on-medicare#answer_5291</guid>
		<description><![CDATA[Medicare will only covered medically necessary procedures.  Since a tummy tuck is usually cosmetic, it will most likely not be covered by Medicare.  There may be rare situations that make it medically necessary but as a rule the answer to your question would be no it is not covered.]]></description>
		<content:encoded><![CDATA[Medicare will only covered medically necessary procedures.  Since a tummy tuck is usually cosmetic, it will most likely not be covered by Medicare.  There may be rare situations that make it medically necessary but as a rule the answer to your question would be no it is not covered.]]></content:encoded>
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		<title>Answer on What A Tax Deferred Retirement Plan? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/retirement-plans/what-a-tax-deferred-retirement-plan#answer_5286</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 28 May 2013 11:20:55 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/retirement-plans/what-a-tax-deferred-retirement-plan#answer_5286</guid>
		<description><![CDATA[A tax deferred retirement plan simple means that the retirement program, such as an annuity is tax deferred  (or not taxable) until you take it out.  Usually when you begin taking withdrawals from your annuity your income bracket is lower than when you were working, making a tax deferred annuity an attractive way to set up your retirement plan and guarantee a lifetime income.]]></description>
		<content:encoded><![CDATA[A tax deferred retirement plan simple means that the retirement program, such as an annuity is tax deferred  (or not taxable) until you take it out.  Usually when you begin taking withdrawals from your annuity your income bracket is lower than when you were working, making a tax deferred annuity an attractive way to set up your retirement plan and guarantee a lifetime income.]]></content:encoded>
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		<title>Answer on Is Life Insurance A Good Retirement Investment? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/is-life-insurance-a-good-retirement-investment#answer_5282</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 28 May 2013 11:05:43 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/is-life-insurance-a-good-retirement-investment#answer_5282</guid>
		<description><![CDATA[Life Insurance was never set up to be an investment.  While the cash value in a good life policy can provide a good safety net and source of savings, never invest all of your funds for retirement in life insurance alone.  If you have a low risk tolerance and desire safety then you also need to look at annuities.  A Roth or Conventional IRA for example, provided by a good insurance company.  Life Insurance is meant to be the foundation for a good retirement, not the entire structure.]]></description>
		<content:encoded><![CDATA[Life Insurance was never set up to be an investment.  While the cash value in a good life policy can provide a good safety net and source of savings, never invest all of your funds for retirement in life insurance alone.  If you have a low risk tolerance and desire safety then you also need to look at annuities.  A Roth or Conventional IRA for example, provided by a good insurance company.  Life Insurance is meant to be the foundation for a good retirement, not the entire structure.]]></content:encoded>
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		<title>Answer on Is Long Term Care Insurance Really Worth It? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/long-term-care-insurance/is-long-term-care-insurance-really-worth-it#answer_5031</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 26 May 2013 11:39:53 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/long-term-care-insurance/is-long-term-care-insurance-really-worth-it#answer_5031</guid>
		<description><![CDATA[The average person has a 1 in 4 chance of needing some type of long term care in his lifetime, either at a facility or at home.  The cost of a Nursing Home on average is $7000/ per month, Assisted living$4000 per month, Home Health Care $20/hr.  Someone will have to pay that bill.  If you have assets then you will pay until your savings and assets are used up and then you may qualify for Medicaid.  You tell me- is it worth it to protect you family from the burden of taking care of you when you can no longer care for yourself?  Do you want to lose everything you worked hard for all your life?  I have been a caregiver and as much as you love the person you are caring for, it takes a major toll on on the caregiver.  Long Term Care insurance protects your family from these heartaches.  Is it worth it?]]></description>
		<content:encoded><![CDATA[The average person has a 1 in 4 chance of needing some type of long term care in his lifetime, either at a facility or at home.  The cost of a Nursing Home on average is $7000/ per month, Assisted living$4000 per month, Home Health Care $20/hr.  Someone will have to pay that bill.  If you have assets then you will pay until your savings and assets are used up and then you may qualify for Medicaid.  You tell me- is it worth it to protect you family from the burden of taking care of you when you can no longer care for yourself?  Do you want to lose everything you worked hard for all your life?  I have been a caregiver and as much as you love the person you are caring for, it takes a major toll on on the caregiver.  Long Term Care insurance protects your family from these heartaches.  Is it worth it?]]></content:encoded>
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		<title>Answer on Does Critical Illness Insurance Cover Prostate Cancer? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/critical-illness-insurance/does-critical-illness-insurance-cover-prostate-cancer#answer_5030</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 26 May 2013 11:31:44 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/critical-illness-insurance/does-critical-illness-insurance-cover-prostate-cancer#answer_5030</guid>
		<description><![CDATA[It depends on your policy.  Does it include Cancer then the answer is most likely yes.  Some Critical Illness plans do not automatically include Cancer unless you add it when you take out the policy.  Look at your policy or contact your agent or company to find out if Cancer is covered.]]></description>
		<content:encoded><![CDATA[It depends on your policy.  Does it include Cancer then the answer is most likely yes.  Some Critical Illness plans do not automatically include Cancer unless you add it when you take out the policy.  Look at your policy or contact your agent or company to find out if Cancer is covered.]]></content:encoded>
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		<title>Answer on Does Auto Insurance Cover Engine Damage? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/does-auto-insurance-cover-engine-damage#answer_5017</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 26 May 2013 10:40:38 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/does-auto-insurance-cover-engine-damage#answer_5017</guid>
		<description><![CDATA[Auto insurance is not a maintenance contract and does not cover any type of auto repair not caused by an accident.  Auto insurance covers liability if you are sued, medical payments for persons in your car, protection from uninsured drivers, and if you have full coverage it will cover collision damages and under the comprehensive, glass, vandalism, and any loss other than collision caused by an accidental occurrence.]]></description>
		<content:encoded><![CDATA[Auto insurance is not a maintenance contract and does not cover any type of auto repair not caused by an accident.  Auto insurance covers liability if you are sued, medical payments for persons in your car, protection from uninsured drivers, and if you have full coverage it will cover collision damages and under the comprehensive, glass, vandalism, and any loss other than collision caused by an accidental occurrence.]]></content:encoded>
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		<title>Answer on How Much Are Annuities Worth? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/annuities/how-much-are-annuities-worth#answer_5015</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 26 May 2013 10:30:39 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/annuities/how-much-are-annuities-worth#answer_5015</guid>
		<description><![CDATA[An annuity by itself is only worth the paper it is printed on.  It is your money that funds it and makes it valuable.  With an annuity, you place your money with the insurance company, they invest it and pay you interest on the money.  An annuity is only &quot;worth&quot; what you put into it plus interest.]]></description>
		<content:encoded><![CDATA[An annuity by itself is only worth the paper it is printed on.  It is your money that funds it and makes it valuable.  With an annuity, you place your money with the insurance company, they invest it and pay you interest on the money.  An annuity is only "worth" what you put into it plus interest.]]></content:encoded>
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		<title>Answer on Can My Auto Insurance Drop Me? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/can-my-auto-insurance-drop-me#answer_4933</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 25 May 2013 10:31:15 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/can-my-auto-insurance-drop-me#answer_4933</guid>
		<description><![CDATA[The simple answer is yes.  Car insurance is not guaranteed renewable.  Your company can refuse renewal or raise your rates at any time.  If you are late with premium payments your company can refuse to reinstate your policy.  This type of thing happens when your driving record has more tickets or accidents than the company finds acceptable.]]></description>
		<content:encoded><![CDATA[The simple answer is yes.  Car insurance is not guaranteed renewable.  Your company can refuse renewal or raise your rates at any time.  If you are late with premium payments your company can refuse to reinstate your policy.  This type of thing happens when your driving record has more tickets or accidents than the company finds acceptable.]]></content:encoded>
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		<title>Answer on Does Urgent Care Accept Medicare? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/does-urgent-care-accept-medicare#answer_4695</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 23 May 2013 10:12:05 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/does-urgent-care-accept-medicare#answer_4695</guid>
		<description><![CDATA[Most will accept Medicare.  Urgent Car would be covered under Part B at 80% of the approved amount.  Any facility has the right to opt out of Medicare but when you consider the demographics a doctor or facility would be shooting themselves in the foot by doing so.  Check with your local Urgent Care Center to be sure.]]></description>
		<content:encoded><![CDATA[Most will accept Medicare.  Urgent Car would be covered under Part B at 80% of the approved amount.  Any facility has the right to opt out of Medicare but when you consider the demographics a doctor or facility would be shooting themselves in the foot by doing so.  Check with your local Urgent Care Center to be sure.]]></content:encoded>
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		<title>Answer on Can Illegal Aliens Get Medicare? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/can-illegal-aliens-get-medicare#answer_4448</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 21 May 2013 10:47:51 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/can-illegal-aliens-get-medicare#answer_4448</guid>
		<description><![CDATA[In order to get Medicare you have to have paid into the system over a period of time.  That is what the FICA taxes are on your pay stub.  Since an illegal alien has not paid into the system he would not be able to get Medicare in most cases.]]></description>
		<content:encoded><![CDATA[In order to get Medicare you have to have paid into the system over a period of time.  That is what the FICA taxes are on your pay stub.  Since an illegal alien has not paid into the system he would not be able to get Medicare in most cases.]]></content:encoded>
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		<title>Answer on Who Should Have Disability Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/disability-insurance/who-should-have-disability-insurance#answer_4320</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 20 May 2013 11:38:26 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/disability-insurance/who-should-have-disability-insurance#answer_4320</guid>
		<description><![CDATA[If you do not have disability insurance through your employer then you should consider disability insurance.  The chance of a disabling incident are far greater for most people than death.  Unless you have enough savings to cover at least six months pay you need to look into disability insurance.  Especially if you are the main income provider.  A great credit history and life savings can be wiped out by one disability occurrence.]]></description>
		<content:encoded><![CDATA[If you do not have disability insurance through your employer then you should consider disability insurance.  The chance of a disabling incident are far greater for most people than death.  Unless you have enough savings to cover at least six months pay you need to look into disability insurance.  Especially if you are the main income provider.  A great credit history and life savings can be wiped out by one disability occurrence.]]></content:encoded>
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		<title>Answer on Can I Go To Urgent Care Without Health Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/can-i-go-to-urgent-care-without-health-insurance#answer_4289</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 20 May 2013 10:32:13 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/can-i-go-to-urgent-care-without-health-insurance#answer_4289</guid>
		<description><![CDATA[Yes you can.  Just be prepared to pay for the visit.  Most Urgent Care facilities will want payment at time of the visit.  Even if you have insurance they will require copay&#039;s up front if you have any.  Urgent care centers are designed to help take the lad off of emergency room visits.]]></description>
		<content:encoded><![CDATA[Yes you can.  Just be prepared to pay for the visit.  Most Urgent Care facilities will want payment at time of the visit.  Even if you have insurance they will require copay's up front if you have any.  Urgent care centers are designed to help take the lad off of emergency room visits.]]></content:encoded>
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		<title>Answer on Is TMJ Covered By Health Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/is-tmj-covered-by-health-insurance#answer_3947</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 16 May 2013 11:49:19 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/is-tmj-covered-by-health-insurance#answer_3947</guid>
		<description><![CDATA[Currently TMJ is not covered by some policies.  You need to check the exclusions in your policy.  With implementation of the Affordable Care Act in January this may change.  There will be fewer exclusions allowed.  If you are currently paying for your own insurance, look for premiums to increase as a result.]]></description>
		<content:encoded><![CDATA[Currently TMJ is not covered by some policies.  You need to check the exclusions in your policy.  With implementation of the Affordable Care Act in January this may change.  There will be fewer exclusions allowed.  If you are currently paying for your own insurance, look for premiums to increase as a result.]]></content:encoded>
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		<title>Answer on Can You Get Life Insurance With Mental Illness? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/can-you-get-life-insurance-with-mental-illness#answer_3803</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 15 May 2013 11:01:22 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/can-you-get-life-insurance-with-mental-illness#answer_3803</guid>
		<description><![CDATA[Yes you can.  It depends on the mental illness, medications, and medical history what type of policy you need to go with.  Worse case you can go with a guaranteed issue plan.  There are some simplified issue plans that may fit or if the problem is mild you may even be able to get a fully underwritten plan.  You need to sit down with an experienced independent agent who can evaluate the details of your case and help you find the best plan for you.  It would also be a good idea to have a trusted friend or relative present if your mental illness impedes your judgement in any way.]]></description>
		<content:encoded><![CDATA[Yes you can.  It depends on the mental illness, medications, and medical history what type of policy you need to go with.  Worse case you can go with a guaranteed issue plan.  There are some simplified issue plans that may fit or if the problem is mild you may even be able to get a fully underwritten plan.  You need to sit down with an experienced independent agent who can evaluate the details of your case and help you find the best plan for you.  It would also be a good idea to have a trusted friend or relative present if your mental illness impedes your judgement in any way.]]></content:encoded>
	</item>
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		<title>Answer on Does Insurance Cover A Home Health Aide? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/does-insurance-cover-a-home-health-aide#answer_3572</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 13 May 2013 11:42:49 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/does-insurance-cover-a-home-health-aide#answer_3572</guid>
		<description><![CDATA[Medicare and most health insurance plans will not cover a home health aid.  There are government benefits available for veterans that may provide some funds to help pay for aid if you qualify. Some states have Medicaid waiver programs that could help.  A good elder law attorney or financial planner who specializes in Medicaid and other benefit planning may be able to help you qualify for these benefits and protect your assets.]]></description>
		<content:encoded><![CDATA[Medicare and most health insurance plans will not cover a home health aid.  There are government benefits available for veterans that may provide some funds to help pay for aid if you qualify. Some states have Medicaid waiver programs that could help.  A good elder law attorney or financial planner who specializes in Medicaid and other benefit planning may be able to help you qualify for these benefits and protect your assets.]]></content:encoded>
	</item>
	<item>
		<title>Answer on Does Your Mortgage Include Homeowners Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/does-your-mortgage-include-homeowners-insurance#answer_3279</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 10 May 2013 11:07:12 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/does-your-mortgage-include-homeowners-insurance#answer_3279</guid>
		<description><![CDATA[No, you pay for that separately.  You mortgage company can allow premiums to be paid through an escrow account and included in your mortgage payment but it is not a part of the actual mortgage.  Each year you will get an escrow statement from your bank or mortgage company detailing interest paid, taxes paid, and insurance paid.]]></description>
		<content:encoded><![CDATA[No, you pay for that separately.  You mortgage company can allow premiums to be paid through an escrow account and included in your mortgage payment but it is not a part of the actual mortgage.  Each year you will get an escrow statement from your bank or mortgage company detailing interest paid, taxes paid, and insurance paid.]]></content:encoded>
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	<item>
		<title>Answer on Does Homeowners Insurance Cover Other People&#8217;S Belongings? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/does-homeowners-insurance-cover-other-peoples-belongings#answer_3275</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 10 May 2013 10:57:00 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/does-homeowners-insurance-cover-other-peoples-belongings#answer_3275</guid>
		<description><![CDATA[If the property is in your care custody and control then it would be covered.  For example, if you borrow someones musical instrument and you have a fire, that item would be covered.  If you have a family member living with you and they have belongings in your home, they would be covered.  If however you are renting an apartment or room in your home, that persons property may not be covered.]]></description>
		<content:encoded><![CDATA[If the property is in your care custody and control then it would be covered.  For example, if you borrow someones musical instrument and you have a fire, that item would be covered.  If you have a family member living with you and they have belongings in your home, they would be covered.  If however you are renting an apartment or room in your home, that persons property may not be covered.]]></content:encoded>
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		<title>Answer on What Does Assignment Mean In Medicare? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/what-does-assignment-mean-in-medicare#answer_2849</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 07 May 2013 18:22:06 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/what-does-assignment-mean-in-medicare#answer_2849</guid>
		<description><![CDATA[Medicare pays doctors according to a set schedule for each procedure.  When a doctor treats a patient on Medicare he accepts assignment.  In other words he agrees to accept what Medicare pays.  For example, a doctor may normally charge $1000 for a procedure.  Medicare may only approve $500.  The doctor has agreed to accept that $500.  Medicare will then pay 80% of the $500 and the patient pays 20%.  The doctor is not allowed to bill for the balance.]]></description>
		<content:encoded><![CDATA[Medicare pays doctors according to a set schedule for each procedure.  When a doctor treats a patient on Medicare he accepts assignment.  In other words he agrees to accept what Medicare pays.  For example, a doctor may normally charge $1000 for a procedure.  Medicare may only approve $500.  The doctor has agreed to accept that $500.  Medicare will then pay 80% of the $500 and the patient pays 20%.  The doctor is not allowed to bill for the balance.]]></content:encoded>
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	<item>
		<title>Answer on What Is Medicare Point Of Service? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/what-is-medicare-point-of-service#answer_2590</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 06 May 2013 10:22:31 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/what-is-medicare-point-of-service#answer_2590</guid>
		<description><![CDATA[Many Medicare Advantage plans are HMO&#039;s, meaning you are required to stay within a network of doctors to receive coverage.  Some plans are HMO Point of Service plans.  This means that if you go to a doctor outside of the service are you may still be able to get coverage if you need it provided the doctor agrees to accept the HMO&#039;s terms of service and the procedure is approved by the carrier.  Usually if there is a network doctor in the area that can handle that condition the plan will make you go to the network doctor.]]></description>
		<content:encoded><![CDATA[Many Medicare Advantage plans are HMO's, meaning you are required to stay within a network of doctors to receive coverage.  Some plans are HMO Point of Service plans.  This means that if you go to a doctor outside of the service are you may still be able to get coverage if you need it provided the doctor agrees to accept the HMO's terms of service and the procedure is approved by the carrier.  Usually if there is a network doctor in the area that can handle that condition the plan will make you go to the network doctor.]]></content:encoded>
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	<item>
		<title>Answer on Is Humana Medicare Good? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/is-humana-medicare-good#answer_1906</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 29 Apr 2013 21:17:42 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/is-humana-medicare-good#answer_1906</guid>
		<description><![CDATA[Humana is a good company.  Depending on your area and circumstances it may or may not be the plan for you.  They have both a Medicare Supplement and a Medicare Advantage Plan in some area&#039;s.  Where you live will make a difference as to what plans are available and how competitive they are.  It would be best to consult a local independent agent who knows the plans available to you in your area and can help you decide on a plan based on your needs. If you are in Ohio I would be glad to help.]]></description>
		<content:encoded><![CDATA[Humana is a good company.  Depending on your area and circumstances it may or may not be the plan for you.  They have both a Medicare Supplement and a Medicare Advantage Plan in some area's.  Where you live will make a difference as to what plans are available and how competitive they are.  It would be best to consult a local independent agent who knows the plans available to you in your area and can help you decide on a plan based on your needs. If you are in Ohio I would be glad to help.]]></content:encoded>
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		<title>Answer on I&#8217;m Graduating College Soon.  Should I Consider A Career As An Insurance Agent? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/other-insurance/im-graduating-college-soon-should-i-consider-a-career-as-an-insurance-agent#answer_1648</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 25 Apr 2013 11:00:23 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/other-insurance/im-graduating-college-soon-should-i-consider-a-career-as-an-insurance-agent#answer_1648</guid>
		<description><![CDATA[Having been in the business for 30 years I would say yes, with certain caveats.  Do not expect an easy job!  A career in insurance can be frustrating and stressful at times.  Do not try to start out on your own.  Find a good organization that can provide training.  You will need that training and help.  Be prepared for long hours, a lot of phone calls, and marketing expenses.  Many agents fail because they do not approach this as a business.  This is actually more of a marketing job than a sales job.  You have to learn to market yourself.  If you do that the sales part is easy.  Find a market you like and stick to it, become a professional.  Don&#039;t expect a quick buck!  As with any business it takes time to develop a good consistent income.  Insurance is a great career but you have to be the type of person who is willing to stick it out when times get rough and put in a good honest day&#039;s work.
 ]]></description>
		<content:encoded><![CDATA[Having been in the business for 30 years I would say yes, with certain caveats.  Do not expect an easy job!  A career in insurance can be frustrating and stressful at times.  Do not try to start out on your own.  Find a good organization that can provide training.  You will need that training and help.  Be prepared for long hours, a lot of phone calls, and marketing expenses.  Many agents fail because they do not approach this as a business.  This is actually more of a marketing job than a sales job.  You have to learn to market yourself.  If you do that the sales part is easy.  Find a market you like and stick to it, become a professional.  Don't expect a quick buck!  As with any business it takes time to develop a good consistent income.  Insurance is a great career but you have to be the type of person who is willing to stick it out when times get rough and put in a good honest day's work.
 ]]></content:encoded>
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	<item>
		<title>Answer on Does Homeowners Insurance Cover Broken Windows? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/does-homeowners-insurance-cover-broken-windows#answer_1436</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 20 Apr 2013 11:13:36 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/does-homeowners-insurance-cover-broken-windows#answer_1436</guid>
		<description><![CDATA[It depends on how they get broke.  If the get broke by an act of vandalism, windstorm and hail, or other covered peril then yes.  If your kids are playing in the yard and throw a ball through the window then no.  Also keep in mind your deductible.  Generally the cost of a window is less or very close to most peoples deductibles.  If you turn in a lot of small claims it can have just a detrimental effect on your rates and insurability  if not more so as a large claim.]]></description>
		<content:encoded><![CDATA[It depends on how they get broke.  If the get broke by an act of vandalism, windstorm and hail, or other covered peril then yes.  If your kids are playing in the yard and throw a ball through the window then no.  Also keep in mind your deductible.  Generally the cost of a window is less or very close to most peoples deductibles.  If you turn in a lot of small claims it can have just a detrimental effect on your rates and insurability  if not more so as a large claim.]]></content:encoded>
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	<item>
		<title>Answer on Does Auto Insurance Cover Driving Someone Else&#8217;S Car? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/does-auto-insurance-cover-driving-someone-elses-car#answer_1433</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 20 Apr 2013 10:51:06 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/does-auto-insurance-cover-driving-someone-elses-car#answer_1433</guid>
		<description><![CDATA[It depends on laws in your state and your policy.  In most cases your insurance will cover you no matter whose car you drive.  Remember, insurance always follow the driver first and then the car.  Some policies will only cover named drivers, but this is not the norm.  As a rule however, if you have insurance your insurance will pay for liability if you are involved in an at fault accident.]]></description>
		<content:encoded><![CDATA[It depends on laws in your state and your policy.  In most cases your insurance will cover you no matter whose car you drive.  Remember, insurance always follow the driver first and then the car.  Some policies will only cover named drivers, but this is not the norm.  As a rule however, if you have insurance your insurance will pay for liability if you are involved in an at fault accident.]]></content:encoded>
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		<title>Answer on Does State Farm Renters Insurance Cover Water Damage? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/renters-insurance/does-state-farm-renters-insurance-cover-water-damage#answer_1401</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 19 Apr 2013 11:24:24 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/renters-insurance/does-state-farm-renters-insurance-cover-water-damage#answer_1401</guid>
		<description><![CDATA[It would depend on the reason for the water damage.  If it is a result of sewer backup then it may be covered.  If it due to broken pipes caused by freezing there may be coverage.  If it is caused by any covered peril then there may be coverage.  If you have flood insurance there may be coverage.  If it is due to general ground water seepage or leaks then usually there is no coverage.  Check with your agent.]]></description>
		<content:encoded><![CDATA[It would depend on the reason for the water damage.  If it is a result of sewer backup then it may be covered.  If it due to broken pipes caused by freezing there may be coverage.  If it is caused by any covered peril then there may be coverage.  If you have flood insurance there may be coverage.  If it is due to general ground water seepage or leaks then usually there is no coverage.  Check with your agent.]]></content:encoded>
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		<title>Answer on How Does Life Insurance Pay For Funeral Expenses? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/how-does-life-insurance-pay-for-funeral-expenses#answer_1390</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 19 Apr 2013 10:44:07 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/how-does-life-insurance-pay-for-funeral-expenses#answer_1390</guid>
		<description><![CDATA[Life insurance pays the face amount to the beneficiary who can then use the money to pay for the funeral expenses.  You can also sign over the policy to the funeral home and the company would pay the funeral home directly.  How you choose to set it up depends on the circumstances and size of he policy.  If you or your loved one is in poor health and may be going into a nursing home a good agent familiar with Medicaid laws can help you make the right choice and provide options that will protect you from Medicaid spend down.  A younger person with a large face amount would want to make his spouse or trust the beneficiary.  Again, a good agent can help set this up for you.]]></description>
		<content:encoded><![CDATA[Life insurance pays the face amount to the beneficiary who can then use the money to pay for the funeral expenses.  You can also sign over the policy to the funeral home and the company would pay the funeral home directly.  How you choose to set it up depends on the circumstances and size of he policy.  If you or your loved one is in poor health and may be going into a nursing home a good agent familiar with Medicaid laws can help you make the right choice and provide options that will protect you from Medicaid spend down.  A younger person with a large face amount would want to make his spouse or trust the beneficiary.  Again, a good agent can help set this up for you.]]></content:encoded>
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		<title>Answer on What Does A Proof Of Auto Insurance Look Like? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/what-does-a-proof-of-auto-insurance-look-like#answer_1052</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 14 Apr 2013 10:30:34 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/what-does-a-proof-of-auto-insurance-look-like#answer_1052</guid>
		<description><![CDATA[If you have auto insurance you will get at every renewal a declaration page showing your coverages and a card or paper showing that you have insurance  It will have the name of the company and the term of the policy, either one year or six months.  You should have this in your glove box or wallet at all times.]]></description>
		<content:encoded><![CDATA[If you have auto insurance you will get at every renewal a declaration page showing your coverages and a card or paper showing that you have insurance  It will have the name of the company and the term of the policy, either one year or six months.  You should have this in your glove box or wallet at all times.]]></content:encoded>
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		<title>Answer on Does Medicaid Take Your Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/does-medicaid-take-your-life-insurance#answer_932</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 12 Apr 2013 12:12:23 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/does-medicaid-take-your-life-insurance#answer_932</guid>
		<description><![CDATA[In Ohio if the cash value of a life insurance policy and other assets is greater than $1500 you must spend down.  When it come to life insurance you have a few options depending on how long you have had the policy.  Prepay your Funeral, assign the policy to the funeral home, or purchase a Funeral Trust with the cash value in the policy.  A Funeral Trust policy irrevocably assigns the death benefit of a life insurance policy to a Funeral Trust set up by the insurance company and can only be paid out for expenses directly related to the funeral and final expenses.  This makes the policy Medicaid Exempt. In Ohio you can put up to $15000 in a Funeral Trust.  In some states you would need a Goods and Services contract to go along with the Trust.  Your agent should be able to help you with that.
If you cash surrender the policy the money cannot be gifted to your beneficiary, you must spend it on yourself or use it in the ways mentioned above.  There are rules in place that can preserve some of your assets.  A good Medicaid Care Resource Planner or Elder Law attorney can help you with that issue.]]></description>
		<content:encoded><![CDATA[In Ohio if the cash value of a life insurance policy and other assets is greater than $1500 you must spend down.  When it come to life insurance you have a few options depending on how long you have had the policy.  Prepay your Funeral, assign the policy to the funeral home, or purchase a Funeral Trust with the cash value in the policy.  A Funeral Trust policy irrevocably assigns the death benefit of a life insurance policy to a Funeral Trust set up by the insurance company and can only be paid out for expenses directly related to the funeral and final expenses.  This makes the policy Medicaid Exempt. In Ohio you can put up to $15000 in a Funeral Trust.  In some states you would need a Goods and Services contract to go along with the Trust.  Your agent should be able to help you with that.
If you cash surrender the policy the money cannot be gifted to your beneficiary, you must spend it on yourself or use it in the ways mentioned above.  There are rules in place that can preserve some of your assets.  A good Medicaid Care Resource Planner or Elder Law attorney can help you with that issue.]]></content:encoded>
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		<title>Answer on Does Life Insurance Cover Natural Death? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/does-life-insurance-cover-natural-death#answer_26430</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 09 Apr 2015 13:40:10 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/does-life-insurance-cover-natural-death#answer_26430</guid>
		<description><![CDATA[Life Insurance will cover any type of death not specifically excluded.  Natural death would definitely be covered, as well as accidental death.  Within the two year incontestability period, conditions not mentioned on the application and suicide would not be covered.  Death in commision of a crime is usually not covered and some policies exclude death as a result of combat.  Do not confuse an Accidental Death policy with a Life insurance policy.  Accidental death policies only cover accidental death.  I have had some clients confused on this issue.]]></description>
		<content:encoded><![CDATA[Life Insurance will cover any type of death not specifically excluded.  Natural death would definitely be covered, as well as accidental death.  Within the two year incontestability period, conditions not mentioned on the application and suicide would not be covered.  Death in commision of a crime is usually not covered and some policies exclude death as a result of combat.  Do not confuse an Accidental Death policy with a Life insurance policy.  Accidental death policies only cover accidental death.  I have had some clients confused on this issue.]]></content:encoded>
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		<title>Answer on Is An Immediate Annuity A Fixed Annuity? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/annuities/is-an-immediate-annuity-a-fixed-annuity#answer_26293</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 17 Mar 2015 10:40:11 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/annuities/is-an-immediate-annuity-a-fixed-annuity#answer_26293</guid>
		<description><![CDATA[An immediate annuity is an annuity that begins immediate payouts of income.  It can be fixed, indexed, or variable.  A Fixed Annuity has a set interest rate that it will pay.  An Indexed Annuity has a guaranteed rate which can increase based on the performance of stock index&#039;s.  A variable annuity&#039;s interest rate is more closely tied to the stock market and is a little more volatile.]]></description>
		<content:encoded><![CDATA[An immediate annuity is an annuity that begins immediate payouts of income.  It can be fixed, indexed, or variable.  A Fixed Annuity has a set interest rate that it will pay.  An Indexed Annuity has a guaranteed rate which can increase based on the performance of stock index's.  A variable annuity's interest rate is more closely tied to the stock market and is a little more volatile.]]></content:encoded>
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		<title>Answer on Does Geico Renters Insurance Cover Flood? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/renters-insurance/does-geico-renters-insurance-cover-flood#answer_26280</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 16 Mar 2015 11:57:21 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/renters-insurance/does-geico-renters-insurance-cover-flood#answer_26280</guid>
		<description><![CDATA[Renters insurance (and Homeowners Insurance) does not cover flood.  It will cover water damage due to sewer backup if the appropriate endorsement is in place.  It may also cover water damage due to pipe breakage depending on the cause of the break.  If you live in a flood zone you need to look into your State Flood Insurance program.]]></description>
		<content:encoded><![CDATA[Renters insurance (and Homeowners Insurance) does not cover flood.  It will cover water damage due to sewer backup if the appropriate endorsement is in place.  It may also cover water damage due to pipe breakage depending on the cause of the break.  If you live in a flood zone you need to look into your State Flood Insurance program.]]></content:encoded>
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		<title>Answer on Is It Better To Invest In 401K Or Roth IRA? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/retirement-plans/is-it-better-to-invest-in-401k-or-roth-ira#answer_26279</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 16 Mar 2015 11:53:29 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/retirement-plans/is-it-better-to-invest-in-401k-or-roth-ira#answer_26279</guid>
		<description><![CDATA[It depends on your personal financial goals and tolerance of risk.  It is best to consult a financial adviser who will take the time to discuss the advantages of both and how they relate to your personal situation.  No two peoples situations are alike.  Depending on how the 401k is set up you may possibly stand to receive greater gains than a basic Roth IRA but there may also be a greater chance of loss.  There are also a variety of ways these can be set up, so it would depend on the details of the products being used.]]></description>
		<content:encoded><![CDATA[It depends on your personal financial goals and tolerance of risk.  It is best to consult a financial adviser who will take the time to discuss the advantages of both and how they relate to your personal situation.  No two peoples situations are alike.  Depending on how the 401k is set up you may possibly stand to receive greater gains than a basic Roth IRA but there may also be a greater chance of loss.  There are also a variety of ways these can be set up, so it would depend on the details of the products being used.]]></content:encoded>
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		<title>Answer on Can You Claim Renters Insurance On Your Taxes? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/renters-insurance/can-you-claim-renters-insurance-on-your-taxes#answer_26278</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 16 Mar 2015 11:47:03 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/renters-insurance/can-you-claim-renters-insurance-on-your-taxes#answer_26278</guid>
		<description><![CDATA[Unless you are operating a home based business, homeowners and renters insurance is not a deductible expense.  If you are operating a home based business you may be able to deduct a portion of the insurance as a business expense under Schedule C.  Check with your tax adviser to see if you qualify and what portion you may claim.]]></description>
		<content:encoded><![CDATA[Unless you are operating a home based business, homeowners and renters insurance is not a deductible expense.  If you are operating a home based business you may be able to deduct a portion of the insurance as a business expense under Schedule C.  Check with your tax adviser to see if you qualify and what portion you may claim.]]></content:encoded>
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		<title>Answer on Can I Use Reduced Paid Up On Four Of My Policies To Use The New Found Money As Payment For My Daughter&#8217;s Finale Expense Policy? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/can-use-reduced-paid-four-policies-use-new-found-money-payment-daughters-finale-expense-policy#answer_25741</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 06 Jan 2015 15:10:25 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/can-use-reduced-paid-four-policies-use-new-found-money-payment-daughters-finale-expense-policy#answer_25741</guid>
		<description><![CDATA[First, the Reduced Paid Up feature of your policy allows you to stop making premium payments and accept a reduced paid up option for whatever the reduced face amount is at the time you utilize the option.  For example if your 20 year old $20,000 policy has a Reduced Paid Up of $12,000 and you utilize the option you would have a paid up policy of $12,000 with no further premium payments required.  If the amount of the reduced paid up insurance is sufficient for your personal needs, you could use the money you paid for your policy and pay premiums on a policy for your daughter.  This is not complicated at all and replacement is not an issue since you are keeping your policy.  The Reduced Paid Up option does not allow for any up front cash however other than the money you save on premiums.  Some Mutual companies that pay dividends.  You could take the dividends in cash and use them to help pay for a policy if you have a policy that pays dividends.  You could take a loan on the cash value of your policy but I really do not recommend doing that since the loan will reduce your death benefit or you could cash surrender a couple of policies if you do not need the insurance.]]></description>
		<content:encoded><![CDATA[First, the Reduced Paid Up feature of your policy allows you to stop making premium payments and accept a reduced paid up option for whatever the reduced face amount is at the time you utilize the option.  For example if your 20 year old $20,000 policy has a Reduced Paid Up of $12,000 and you utilize the option you would have a paid up policy of $12,000 with no further premium payments required.  If the amount of the reduced paid up insurance is sufficient for your personal needs, you could use the money you paid for your policy and pay premiums on a policy for your daughter.  This is not complicated at all and replacement is not an issue since you are keeping your policy.  The Reduced Paid Up option does not allow for any up front cash however other than the money you save on premiums.  Some Mutual companies that pay dividends.  You could take the dividends in cash and use them to help pay for a policy if you have a policy that pays dividends.  You could take a loan on the cash value of your policy but I really do not recommend doing that since the loan will reduce your death benefit or you could cash surrender a couple of policies if you do not need the insurance.]]></content:encoded>
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		<title>Answer on How Does Obamacare Affect Medicare? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/how-does-obamacare-affect-medicare#answer_12999</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 09 Oct 2013 20:51:21 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/how-does-obamacare-affect-medicare#answer_12999</guid>
		<description><![CDATA[The Affordable Care Act has done a couple things for Medicare recipients.  First, it is closing the donut hole in your Prescription Drug Plan thus reducing your out of pocket costs for prescription drugs when you reach the donut hole.  It also has instituted free preventative care, allowing access to preventative testing at no cost to the Medicare beneficiary.  On the negative side, due to the extra taxes and costs to the providers, Medicare Advantage Plans are being forced to reduce some benefits by increasing copay&#039;s and out of pocket limits, and reducing the number of in-network doctors.]]></description>
		<content:encoded><![CDATA[The Affordable Care Act has done a couple things for Medicare recipients.  First, it is closing the donut hole in your Prescription Drug Plan thus reducing your out of pocket costs for prescription drugs when you reach the donut hole.  It also has instituted free preventative care, allowing access to preventative testing at no cost to the Medicare beneficiary.  On the negative side, due to the extra taxes and costs to the providers, Medicare Advantage Plans are being forced to reduce some benefits by increasing copay's and out of pocket limits, and reducing the number of in-network doctors.]]></content:encoded>
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		<title>Answer on Which Medicare Part B Plan Is Best? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/which-medicare-part-b-plan-is-best#answer_12886</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 07 Oct 2013 15:14:48 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/which-medicare-part-b-plan-is-best#answer_12886</guid>
		<description><![CDATA[The government originally established Medicare with two parts.  Part A to cover hospitals and part B to cover outpatient services.  Both of these are administered by the Medicare (CMS) and there is no choice of coverage.  Later Part D was initiated to cover prescriptions.  These plans called PDP&#039;s are administered by private insurance companies.  Part C, Medicare Advantage Plans are plans that are administered  by private insurance companies instead of Medicare.  As far as which plan is best, that will depend on your individual situation; where you live, what doctors and hospitals you go to, do you travel outside the area a lot,what your prescriptions are, and other factors.  Find a good independent agent who represents most of the Medicare plans in your area and have the agent help you with your choice.  You can also find information at Medicare.Gov.]]></description>
		<content:encoded><![CDATA[The government originally established Medicare with two parts.  Part A to cover hospitals and part B to cover outpatient services.  Both of these are administered by the Medicare (CMS) and there is no choice of coverage.  Later Part D was initiated to cover prescriptions.  These plans called PDP's are administered by private insurance companies.  Part C, Medicare Advantage Plans are plans that are administered  by private insurance companies instead of Medicare.  As far as which plan is best, that will depend on your individual situation; where you live, what doctors and hospitals you go to, do you travel outside the area a lot,what your prescriptions are, and other factors.  Find a good independent agent who represents most of the Medicare plans in your area and have the agent help you with your choice.  You can also find information at Medicare.Gov.]]></content:encoded>
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		<title>Answer on Would Medicare Pay For A Tummy Tuck? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/would-medicare-pay-for-a-tummy-tuck#answer_12549</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 21 Sep 2013 14:32:20 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/would-medicare-pay-for-a-tummy-tuck#answer_12549</guid>
		<description><![CDATA[Medicare generally will only cover Medically necessary expenses.  It will not cover cosmetic surgery.  Since a &quot;tummy tuck&quot; is usually not medically necessary, it is doubtful that the procedure would be covered, so unless your doctor can show a sound medical reason for the procedure I wouldn&#039;t count on it being covered]]></description>
		<content:encoded><![CDATA[Medicare generally will only cover Medically necessary expenses.  It will not cover cosmetic surgery.  Since a "tummy tuck" is usually not medically necessary, it is doubtful that the procedure would be covered, so unless your doctor can show a sound medical reason for the procedure I wouldn't count on it being covered]]></content:encoded>
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		<title>Answer on When Can You Get Medicare B? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/when-can-you-get-medicare-b#answer_12548</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 21 Sep 2013 14:27:19 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/when-can-you-get-medicare-b#answer_12548</guid>
		<description><![CDATA[You can get Part B when you qualify for Medicare at age 65 or are on Social Security Disability for two years.  If you opt out of Part B when you first qualified due to being covered under a group plan, then you can enroll in Part B when your group benefits terminate.  If you did not sign up during your initial enrollment period or special enrollment period, then you may sign up during the General Enrollment Period Jan 1st through March 31 each year.]]></description>
		<content:encoded><![CDATA[You can get Part B when you qualify for Medicare at age 65 or are on Social Security Disability for two years.  If you opt out of Part B when you first qualified due to being covered under a group plan, then you can enroll in Part B when your group benefits terminate.  If you did not sign up during your initial enrollment period or special enrollment period, then you may sign up during the General Enrollment Period Jan 1st through March 31 each year.]]></content:encoded>
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		<title>Answer on Is Part A Medicare Free? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/is-part-a-medicare-free#answer_12547</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 21 Sep 2013 14:18:14 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/is-part-a-medicare-free#answer_12547</guid>
		<description><![CDATA[No, Medicare Part A was paid for through your FICA tax when you were employed, so when you retire you have no premium taken out of your Social Security for Part A.  If you did not work the required amount of hours then you can buy into the Medicare system by paying a premium.]]></description>
		<content:encoded><![CDATA[No, Medicare Part A was paid for through your FICA tax when you were employed, so when you retire you have no premium taken out of your Social Security for Part A.  If you did not work the required amount of hours then you can buy into the Medicare system by paying a premium.]]></content:encoded>
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		<title>Answer on Is Life Insurance Cash Value A Liquid Asset? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/is-life-insurance-cash-value-a-liquid-asset#answer_12546</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 21 Sep 2013 14:14:00 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/is-life-insurance-cash-value-a-liquid-asset#answer_12546</guid>
		<description><![CDATA[Since the owner of the policy has access to the accumulated cash value either through surrender or a loan, it is considered a liquid asset in most cases.  This is especially true when you are applying for Medicaid.  In Ohio, for example, cash value in a Life Insurance policy owned by the Medicaid applicant cannot exceed $1500.  These rules vary by State so you need to check the rules in your State.]]></description>
		<content:encoded><![CDATA[Since the owner of the policy has access to the accumulated cash value either through surrender or a loan, it is considered a liquid asset in most cases.  This is especially true when you are applying for Medicaid.  In Ohio, for example, cash value in a Life Insurance policy owned by the Medicaid applicant cannot exceed $1500.  These rules vary by State so you need to check the rules in your State.]]></content:encoded>
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		<title>Answer on Is Home Insurance Required In Ohio? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/is-home-insurance-required-in-ohio#answer_12545</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 21 Sep 2013 14:07:37 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/is-home-insurance-required-in-ohio#answer_12545</guid>
		<description><![CDATA[While Homeowners Insurance is not required by law, Mortgage companies require it.  A home is a big investment.  Why would a person not want to protect that investment?  Home insurance protects you against multiple perils such as Fire, Lightening, Wind, Hail and more.  In addition, it provides liability protection if someone is injured on your property.]]></description>
		<content:encoded><![CDATA[While Homeowners Insurance is not required by law, Mortgage companies require it.  A home is a big investment.  Why would a person not want to protect that investment?  Home insurance protects you against multiple perils such as Fire, Lightening, Wind, Hail and more.  In addition, it provides liability protection if someone is injured on your property.]]></content:encoded>
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		<title>Answer on How Does Renters Insurance Benefit The Landlord? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/renters-insurance/how-does-renters-insurance-benefit-the-landlord#answer_11226</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 31 Aug 2013 12:39:14 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/renters-insurance/how-does-renters-insurance-benefit-the-landlord#answer_11226</guid>
		<description><![CDATA[Renters insurance protects the landlord in the event someone is injured on his property at the fault of the tenant.  Even though the fault is the tenants, the landlord can still be named in a lawsuit.  Requiring a tenant to carry renters insurance provides liability coverage which would pay first, thus reducing or eliminating any exposure to the landlord, depending on the amount of the settlement.]]></description>
		<content:encoded><![CDATA[Renters insurance protects the landlord in the event someone is injured on his property at the fault of the tenant.  Even though the fault is the tenants, the landlord can still be named in a lawsuit.  Requiring a tenant to carry renters insurance provides liability coverage which would pay first, thus reducing or eliminating any exposure to the landlord, depending on the amount of the settlement.]]></content:encoded>
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		<title>Answer on What Are Some Reasons Why Life Insurance Is Denied? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-are-some-reasons-why-life-insurance-is-denied#answer_11144</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 29 Aug 2013 15:51:53 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-are-some-reasons-why-life-insurance-is-denied#answer_11144</guid>
		<description><![CDATA[Life insurance is a policy that your money pays for but your health is what buys it.  The healthier you are the better the rate.  As health issues surface we go down the line of insurability until we finally cannot be approved for anything but a guaranteed issue plan.  Companies will look at the whole picture.  For example, a person with controlled high blood pressure and no health issues may get standard rates.  A person who is overweight and has high blood pressure may receive a higher rate than standard and a person who has high blood pressure,is overweight, smokes, and is on heart medication may be declined.  A good life insurance agent can help you find an affordable plan and help guide you.]]></description>
		<content:encoded><![CDATA[Life insurance is a policy that your money pays for but your health is what buys it.  The healthier you are the better the rate.  As health issues surface we go down the line of insurability until we finally cannot be approved for anything but a guaranteed issue plan.  Companies will look at the whole picture.  For example, a person with controlled high blood pressure and no health issues may get standard rates.  A person who is overweight and has high blood pressure may receive a higher rate than standard and a person who has high blood pressure,is overweight, smokes, and is on heart medication may be declined.  A good life insurance agent can help you find an affordable plan and help guide you.]]></content:encoded>
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		<title>Answer on What Type Of Care Is Not Covered By Medicare? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/what-type-of-care-is-not-covered-by-medicare#answer_11126</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 29 Aug 2013 12:50:13 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/what-type-of-care-is-not-covered-by-medicare#answer_11126</guid>
		<description><![CDATA[If you are talking about long term care in a facility, Medicare only covers skilled care for up to 100 days.  It does not cover custodial care.  Custodial care is care being given to individuals who are not going to improve and just need the supervision and assistance with activities of daily living.  
Other care not covered by Medicare would be dental and vision  unless due to a covered disease or accident, and any procedure not deemed Medically necessary such as cosmetic surgery or other elective surgery or procedures.]]></description>
		<content:encoded><![CDATA[If you are talking about long term care in a facility, Medicare only covers skilled care for up to 100 days.  It does not cover custodial care.  Custodial care is care being given to individuals who are not going to improve and just need the supervision and assistance with activities of daily living.  
Other care not covered by Medicare would be dental and vision  unless due to a covered disease or accident, and any procedure not deemed Medically necessary such as cosmetic surgery or other elective surgery or procedures.]]></content:encoded>
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		<title>Answer on What Is Skilled Nursing Care Under Medicare? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/what-is-skilled-nursing-care-under-medicare#answer_10481</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 16 Aug 2013 12:05:19 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/what-is-skilled-nursing-care-under-medicare#answer_10481</guid>
		<description><![CDATA[There are three levels of Nursing Care, Skilled, Intermediate, and Custodial. &#160;Skilled Nursing care requires that you need the services of a licensed professional and that your health can improve by utilizing those services. &#160;For example, physical therapy, occupational therapy, and speech therapy would fall under those categories. &#160;Custodial Care means that you are not going to improve. &#160;You just need the assistance of others to perform certain activities of daily living. &#160;Medicare only pays for Skilled Nursing and is limited to 100 days.]]></description>
		<content:encoded><![CDATA[There are three levels of Nursing Care, Skilled, Intermediate, and Custodial. &nbsp;Skilled Nursing care requires that you need the services of a licensed professional and that your health can improve by utilizing those services. &nbsp;For example, physical therapy, occupational therapy, and speech therapy would fall under those categories. &nbsp;Custodial Care means that you are not going to improve. &nbsp;You just need the assistance of others to perform certain activities of daily living. &nbsp;Medicare only pays for Skilled Nursing and is limited to 100 days.]]></content:encoded>
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		<title>Answer on Can I Get Auto Insurance With A Suspended License? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/can-i-get-auto-insurance-with-a-suspended-license#answer_10472</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 16 Aug 2013 11:28:38 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/can-i-get-auto-insurance-with-a-suspended-license#answer_10472</guid>
		<description><![CDATA[Yes you can, most likely with an SR22 filing.  Although it is illegal, people do drive with suspended licenses.  Expect to pay a higher rate with a high risk auto insurance carrier.  Many people with suspended licenses must be able to show proof of insurance before their licenses will be reinstated.]]></description>
		<content:encoded><![CDATA[Yes you can, most likely with an SR22 filing.  Although it is illegal, people do drive with suspended licenses.  Expect to pay a higher rate with a high risk auto insurance carrier.  Many people with suspended licenses must be able to show proof of insurance before their licenses will be reinstated.]]></content:encoded>
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		<title>Answer on Is Life Insurance A Legal Requirement For A Mortgage? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/is-life-insurance-a-legal-requirement-for-a-mortgage#answer_10471</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 16 Aug 2013 11:24:45 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/is-life-insurance-a-legal-requirement-for-a-mortgage#answer_10471</guid>
		<description><![CDATA[No it is not a legal requirement.  Many lenders however will require mortgage life insurance to protect themselves.  Also, there have been cases where a judge has required a divorced spouse to carry life insurance to cover a mortgage or protect minor children although these cases would depend on the situation.  As a general rule however, you are not legally required to carry mortgage insurance.]]></description>
		<content:encoded><![CDATA[No it is not a legal requirement.  Many lenders however will require mortgage life insurance to protect themselves.  Also, there have been cases where a judge has required a divorced spouse to carry life insurance to cover a mortgage or protect minor children although these cases would depend on the situation.  As a general rule however, you are not legally required to carry mortgage insurance.]]></content:encoded>
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		<title>Answer on What Is The Difference Between Medicaid And Medicare? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/what-is-the-difference-between-medicaid-and-medicare#answer_9757</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 30 Jul 2013 12:38:43 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/what-is-the-difference-between-medicaid-and-medicare#answer_9757</guid>
		<description><![CDATA[Medicare is a Federal program available to all persons age 65 and over or who are on Social Security Disability who have paid into the program while working.  It provides Medical Coverage.
Medicaid is a program designed for people with low assets and income.  You must qualify in these two area&#039;s to receive Medicaid.  It is designed to pay for things like Long Term Care, and Medicare Deductibles and copay&#039;s.  It can also help pay for other items not normally covered by Medicare.]]></description>
		<content:encoded><![CDATA[Medicare is a Federal program available to all persons age 65 and over or who are on Social Security Disability who have paid into the program while working.  It provides Medical Coverage.
Medicaid is a program designed for people with low assets and income.  You must qualify in these two area's to receive Medicaid.  It is designed to pay for things like Long Term Care, and Medicare Deductibles and copay's.  It can also help pay for other items not normally covered by Medicare.]]></content:encoded>
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		<title>Answer on Is Being A Life Insurance Agent A Good Job? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/is-being-a-life-insurance-agent-a-good-job#answer_9756</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 30 Jul 2013 12:33:37 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/is-being-a-life-insurance-agent-a-good-job#answer_9756</guid>
		<description><![CDATA[Life Insurance can be a highly rewarding and profitable career.  That being said it can also be frustrating.  It takes a lot of hard work and long hours to get started.  You have to be willing to show people how to solve problems that life insurance can help them with.  You have to understand that a life insurance career is a marathon, not a sprint.  It takes time, money, and a willingness to learn.  You have to like people and be willing to put their interests first.  Life insurance is a great career for the right person.]]></description>
		<content:encoded><![CDATA[Life Insurance can be a highly rewarding and profitable career.  That being said it can also be frustrating.  It takes a lot of hard work and long hours to get started.  You have to be willing to show people how to solve problems that life insurance can help them with.  You have to understand that a life insurance career is a marathon, not a sprint.  It takes time, money, and a willingness to learn.  You have to like people and be willing to put their interests first.  Life insurance is a great career for the right person.]]></content:encoded>
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		<title>Answer on Does Health Insurance Cover A Breast Pump? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/does-health-insurance-cover-a-breast-pump#answer_9754</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 30 Jul 2013 12:26:07 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/does-health-insurance-cover-a-breast-pump#answer_9754</guid>
		<description><![CDATA[Breast pumps are usually over the counter items and are not medically necessary therefore most health insurance will not cover them. &#160;Unless there is sound medical reason for any type of device or medical equipment, then health insurance will not cover them &#160;If you feel your case is unusual then have your doctor contact your company for approval.]]></description>
		<content:encoded><![CDATA[Breast pumps are usually over the counter items and are not medically necessary therefore most health insurance will not cover them. &nbsp;Unless there is sound medical reason for any type of device or medical equipment, then health insurance will not cover them &nbsp;If you feel your case is unusual then have your doctor contact your company for approval.]]></content:encoded>
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		<title>Answer on Is Life Insurance An Estate Asset? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/is-life-insurance-an-estate-asset#answer_9753</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 30 Jul 2013 12:21:55 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/is-life-insurance-an-estate-asset#answer_9753</guid>
		<description><![CDATA[It can be depending on the situation.  In most cases if the proceeds are left to a named beneficiary then there are no estate issues.  But there are exceptions to this.  For example;  If a person is receiving Medicaid assistance for Long Term Care the cash value of a life insurance policy or in some States, the face amount will create issues as far as qualifying for benefits.  If there was an undisclosed life insurance policy owned by the Medicaid recipient then the life insurance proceeds can be attached as part of the estate during Medicaid Recovery.  Another exception may include large estates.  For the average person there is no problem however, unless you have to deal with the Medicaid issues.  If you have a large estate or your health is deteriorating and some type of long term care is imminent then seek out an elder law attorney or care resource planner for advice.]]></description>
		<content:encoded><![CDATA[It can be depending on the situation.  In most cases if the proceeds are left to a named beneficiary then there are no estate issues.  But there are exceptions to this.  For example;  If a person is receiving Medicaid assistance for Long Term Care the cash value of a life insurance policy or in some States, the face amount will create issues as far as qualifying for benefits.  If there was an undisclosed life insurance policy owned by the Medicaid recipient then the life insurance proceeds can be attached as part of the estate during Medicaid Recovery.  Another exception may include large estates.  For the average person there is no problem however, unless you have to deal with the Medicaid issues.  If you have a large estate or your health is deteriorating and some type of long term care is imminent then seek out an elder law attorney or care resource planner for advice.]]></content:encoded>
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		<title>Answer on Will Medicare Go Broke? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/will-medicare-go-broke#answer_9627</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 27 Jul 2013 12:34:09 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/will-medicare-go-broke#answer_9627</guid>
		<description><![CDATA[There is no crystal ball to give you a definitive answer but my opinion is that Medicare in some form will always be available.  There may need to be changes in order to maintain it, but the need for Medicare is too great to allow it to go away completely.]]></description>
		<content:encoded><![CDATA[There is no crystal ball to give you a definitive answer but my opinion is that Medicare in some form will always be available.  There may need to be changes in order to maintain it, but the need for Medicare is too great to allow it to go away completely.]]></content:encoded>
	</item>
	<item>
		<title>Answer on Where Do I Get Medicare Part D? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/where-do-i-get-medicare-part-d#answer_9626</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 27 Jul 2013 12:29:39 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/where-do-i-get-medicare-part-d#answer_9626</guid>
		<description><![CDATA[You can do it yourself online at Medicare.gov or contact a local independent agent who specializes in the needs of seniors.  The advantage of a local agent is that he is familiar with the plans in your area and can help you navigate the Medicare website.  Every plan is different and will have a different list of covered drugs (formulary).  Make sure the plan you choose covers your drugs and pharmacy.]]></description>
		<content:encoded><![CDATA[You can do it yourself online at Medicare.gov or contact a local independent agent who specializes in the needs of seniors.  The advantage of a local agent is that he is familiar with the plans in your area and can help you navigate the Medicare website.  Every plan is different and will have a different list of covered drugs (formulary).  Make sure the plan you choose covers your drugs and pharmacy.]]></content:encoded>
	</item>
	<item>
		<title>Answer on How To Decide Between Medigap And Medicare Advantage? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/how-to-decide-between-medigap-and-medicare-advantage#answer_9625</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 27 Jul 2013 12:24:37 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/how-to-decide-between-medigap-and-medicare-advantage#answer_9625</guid>
		<description><![CDATA[Every situation is different.  If you live in an area where networks are strong and ou do very little traveling then you may want to consider Medicare Advantage.  If you travel or the plans are not strong in your area then consider a Medicare Supplement (Medigap).  Generally you will pay a higher premium for a Medigap plan, but in most cases you do not have to worry about networks and your potential out of pocket exposure if you have a health issue will be far less than a Medicare Advantage plan.  To determine what is right for you, sit down with an experienced agent who represents multiple companies and both Medicare Advantage and Medigap plans to help you determine the right choice for you.]]></description>
		<content:encoded><![CDATA[Every situation is different.  If you live in an area where networks are strong and ou do very little traveling then you may want to consider Medicare Advantage.  If you travel or the plans are not strong in your area then consider a Medicare Supplement (Medigap).  Generally you will pay a higher premium for a Medigap plan, but in most cases you do not have to worry about networks and your potential out of pocket exposure if you have a health issue will be far less than a Medicare Advantage plan.  To determine what is right for you, sit down with an experienced agent who represents multiple companies and both Medicare Advantage and Medigap plans to help you determine the right choice for you.]]></content:encoded>
	</item>
	<item>
		<title>Answer on Can I Get Life Insurance At 60? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/can-i-get-life-insurance-at-60#answer_9624</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 27 Jul 2013 12:17:48 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/can-i-get-life-insurance-at-60#answer_9624</guid>
		<description><![CDATA[Yes, many companies will give you insurance up to age 85.  Your health, type of insurance you want to buy and face amount will determine your rate.  Sit down with a good independent agent specializing in the needs of seniors for help in determining your options and finding the best plan for you.]]></description>
		<content:encoded><![CDATA[Yes, many companies will give you insurance up to age 85.  Your health, type of insurance you want to buy and face amount will determine your rate.  Sit down with a good independent agent specializing in the needs of seniors for help in determining your options and finding the best plan for you.]]></content:encoded>
	</item>
	<item>
		<title>Answer on What Is A Short Term Health Insurance Policy? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/what-is-a-short-term-health-insurance-policy#answer_9167</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 20 Jul 2013 15:09:34 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/what-is-a-short-term-health-insurance-policy#answer_9167</guid>
		<description><![CDATA[Short Term Health Insurance is designed to cover individuals who are between jobs.  Generally they can be purchased in increments of six months.  Preexisting conditions are not covered.  They are non-renewable, meaning if you have a six month policy for example, and the six month period expires, you need to enroll in a completely new plan.]]></description>
		<content:encoded><![CDATA[Short Term Health Insurance is designed to cover individuals who are between jobs.  Generally they can be purchased in increments of six months.  Preexisting conditions are not covered.  They are non-renewable, meaning if you have a six month policy for example, and the six month period expires, you need to enroll in a completely new plan.]]></content:encoded>
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	<item>
		<title>Answer on What Does Vacant Home Insurance Cover? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/what-does-vacant-home-insurance-cover#answer_9164</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 20 Jul 2013 15:00:43 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/what-does-vacant-home-insurance-cover#answer_9164</guid>
		<description><![CDATA[Coverage on a vacant home would cover perils such as Fire,Wind,Lightning, Hail and other perils such as Vandalism and theft.  It will also cover liability if someone is hurt on the property.  Frozen pipes would only be covered if there were reasonable attempts to prevent such freezing.  Reasonable attempts must also be made to secure the home and maintain the home.]]></description>
		<content:encoded><![CDATA[Coverage on a vacant home would cover perils such as Fire,Wind,Lightning, Hail and other perils such as Vandalism and theft.  It will also cover liability if someone is hurt on the property.  Frozen pipes would only be covered if there were reasonable attempts to prevent such freezing.  Reasonable attempts must also be made to secure the home and maintain the home.]]></content:encoded>
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		<title>Answer on What Qualifies For Medicare Disability? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/what-qualifies-for-medicare-disability#answer_9162</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 20 Jul 2013 14:51:52 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/what-qualifies-for-medicare-disability#answer_9162</guid>
		<description><![CDATA[When a person is on Social Security Disability for two years that person can qualify for Medicare benefits.  The person would automatically be enrolled when he or she is eligible.  At that point he or she would need to enroll in a Medicare Part D prescription drug plan.  A good local independent agent knowledgeable of, and certified to offer these plans, can help you make the choice that best fits your situation.]]></description>
		<content:encoded><![CDATA[When a person is on Social Security Disability for two years that person can qualify for Medicare benefits.  The person would automatically be enrolled when he or she is eligible.  At that point he or she would need to enroll in a Medicare Part D prescription drug plan.  A good local independent agent knowledgeable of, and certified to offer these plans, can help you make the choice that best fits your situation.]]></content:encoded>
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	<item>
		<title>Answer on Who Is Eligible For Social Security Disability Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/disability-insurance/who-is-eligible-for-social-security-disability-insurance#answer_9159</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 20 Jul 2013 13:35:10 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/disability-insurance/who-is-eligible-for-social-security-disability-insurance#answer_9159</guid>
		<description><![CDATA[Social Security will determine eligibility.  If you are disabled you must apply to Social Security by going online or calling and requesting the necessary forms.  You must be able to document that you are disabled and your doctor must be able to help prove the disability.  You may need to see an attorney in order to get this put through since most disability claims are denied the first time you apply, and you must then go through an appeals process.]]></description>
		<content:encoded><![CDATA[Social Security will determine eligibility.  If you are disabled you must apply to Social Security by going online or calling and requesting the necessary forms.  You must be able to document that you are disabled and your doctor must be able to help prove the disability.  You may need to see an attorney in order to get this put through since most disability claims are denied the first time you apply, and you must then go through an appeals process.]]></content:encoded>
	</item>
	<item>
		<title>Answer on What Is Medicare A? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/what-is-medicare-a#answer_9158</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 20 Jul 2013 13:30:17 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/what-is-medicare-a#answer_9158</guid>
		<description><![CDATA[Medicare Part A covers Hospital related charges such as room and board.  It will also cover your lab work and any tests done while you are admitted to the hospital.  Part B covers doctors charges and outpatient lab and other testing such as X Rays and MRI&#039;s done on an outpatient basis.]]></description>
		<content:encoded><![CDATA[Medicare Part A covers Hospital related charges such as room and board.  It will also cover your lab work and any tests done while you are admitted to the hospital.  Part B covers doctors charges and outpatient lab and other testing such as X Rays and MRI's done on an outpatient basis.]]></content:encoded>
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		<title>Answer on How Do I Sign Up For Medicare B? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/how-do-i-sign-up-for-medicare-b#answer_9157</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 20 Jul 2013 13:24:14 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/how-do-i-sign-up-for-medicare-b#answer_9157</guid>
		<description><![CDATA[Unless you chose to opt out when you were first eligible, you will be automatically enrolled in Part B. &#160;You will receive information from Medicare and given a choice of opting out. &#160;Do not opt out unless you are covered under a group plan. &#160;When you receive your card it should have both part A and part B listed. &#160;If it does not then call 1-800-Medicare or your local Social Security office and they will make suure you are enrolled.]]></description>
		<content:encoded><![CDATA[Unless you chose to opt out when you were first eligible, you will be automatically enrolled in Part B. &nbsp;You will receive information from Medicare and given a choice of opting out. &nbsp;Do not opt out unless you are covered under a group plan. &nbsp;When you receive your card it should have both part A and part B listed. &nbsp;If it does not then call 1-800-Medicare or your local Social Security office and they will make suure you are enrolled.]]></content:encoded>
	</item>
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		<title>Answer on Where Do I Find Cheap Health Insurance In Ohio? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/where-do-i-find-cheap-health-insurance-in-ohio#answer_9050</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 18 Jul 2013 13:09:24 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/where-do-i-find-cheap-health-insurance-in-ohio#answer_9050</guid>
		<description><![CDATA[I like to recommend finding a good local independent agent in your area who specializes in health insurance and is knowledgeable with the networks and plans most competitive in your area.  A local agent can also provide personal service not available from purchasing over the internet or the phone.  A local agent may also be able to help with other insurance needs and do a thorough job of making sure you and your family are protected in all areas.]]></description>
		<content:encoded><![CDATA[I like to recommend finding a good local independent agent in your area who specializes in health insurance and is knowledgeable with the networks and plans most competitive in your area.  A local agent can also provide personal service not available from purchasing over the internet or the phone.  A local agent may also be able to help with other insurance needs and do a thorough job of making sure you and your family are protected in all areas.]]></content:encoded>
	</item>
	<item>
		<title>Answer on Who Is The Medicare Carrier For Ohio? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/who-is-the-medicare-carrier-for-ohio#answer_9048</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 18 Jul 2013 13:00:42 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/who-is-the-medicare-carrier-for-ohio#answer_9048</guid>
		<description><![CDATA[Medicare is a Federal run program administered by the Center For Medicare and Medicaid Services.  An individual who qualifies for Medicare can also select a Medicare Advantage Plan.  Medicare Advantage is under the oversight of the CMMS, however the plans are administered by private insurers.  These plans are available in certain areas.  You can find what is available at Medicare.Gov or an agent knowledgable in Medicare Advantage Plans can help you find a plan in your area.  The most common in Ohio are United Healthcare, Anthem,  Humana, and Aetna.There are also some smaller local plans such a SUMMA, and AultCare in the Akron Canton area.]]></description>
		<content:encoded><![CDATA[Medicare is a Federal run program administered by the Center For Medicare and Medicaid Services.  An individual who qualifies for Medicare can also select a Medicare Advantage Plan.  Medicare Advantage is under the oversight of the CMMS, however the plans are administered by private insurers.  These plans are available in certain areas.  You can find what is available at Medicare.Gov or an agent knowledgable in Medicare Advantage Plans can help you find a plan in your area.  The most common in Ohio are United Healthcare, Anthem,  Humana, and Aetna.There are also some smaller local plans such a SUMMA, and AultCare in the Akron Canton area.]]></content:encoded>
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		<title>Answer on When Do Health Insurance Exchanges Start? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/when-do-health-insurance-exchanges-start#answer_9045</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 18 Jul 2013 11:00:59 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/when-do-health-insurance-exchanges-start#answer_9045</guid>
		<description><![CDATA[Open Enrollment for individuals is set to begin on October 1st for a January 1st effective date.  The Open Enrollment Period will continue until March of 2014.  During that time you may select a plan from one of the exchanges, now called Marketplaces, or from a private insurer.  Unless you qualify for a subsidy, make sure you shop the private individual market before arbitrarily moving to the public exchange.  You may be able to save money and receive better coverage.]]></description>
		<content:encoded><![CDATA[Open Enrollment for individuals is set to begin on October 1st for a January 1st effective date.  The Open Enrollment Period will continue until March of 2014.  During that time you may select a plan from one of the exchanges, now called Marketplaces, or from a private insurer.  Unless you qualify for a subsidy, make sure you shop the private individual market before arbitrarily moving to the public exchange.  You may be able to save money and receive better coverage.]]></content:encoded>
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		<title>Answer on Is Auto Insurance A Contract? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/is-auto-insurance-a-contract#answer_9044</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 18 Jul 2013 10:55:12 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/is-auto-insurance-a-contract#answer_9044</guid>
		<description><![CDATA[Most insurance policies, including auto insurance, are based on a Unilateral Contract.  As long as you continue to pay the premium, the company is contractually obligated to pay any claims according to the contract.  Either party has the right to terminate the contract in the case of auto or home or other property and casualty coverage.  The policy holder may do so at any time simply by not paying the premium.  Usually the insurance company must wait until the anniversary date or renewal date of the policy. Life insurance may not be terminated by the insurance company as long as premiums are paid unless there is evidence of fraud and misrepresentation.]]></description>
		<content:encoded><![CDATA[Most insurance policies, including auto insurance, are based on a Unilateral Contract.  As long as you continue to pay the premium, the company is contractually obligated to pay any claims according to the contract.  Either party has the right to terminate the contract in the case of auto or home or other property and casualty coverage.  The policy holder may do so at any time simply by not paying the premium.  Usually the insurance company must wait until the anniversary date or renewal date of the policy. Life insurance may not be terminated by the insurance company as long as premiums are paid unless there is evidence of fraud and misrepresentation.]]></content:encoded>
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		<title>Answer on Will Getting Married Affect My Medicare? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/will-getting-married-affect-my-medicare#answer_9043</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 18 Jul 2013 10:47:55 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/will-getting-married-affect-my-medicare#answer_9043</guid>
		<description><![CDATA[No, Medicare is carried by the individual and will not be affected.  The only way I know of that marriage would come into play would be to help a spouse receive Medicare benefits even though that spouse may not have the prerequisite employment time required.  You may want to check with your Social Security office or Medicare regarding the rules in this regard.]]></description>
		<content:encoded><![CDATA[No, Medicare is carried by the individual and will not be affected.  The only way I know of that marriage would come into play would be to help a spouse receive Medicare benefits even though that spouse may not have the prerequisite employment time required.  You may want to check with your Social Security office or Medicare regarding the rules in this regard.]]></content:encoded>
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		<title>Answer on Does Medicare Pay For At Home Health Care? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/does-medicare-pay-for-at-home-health-care#answer_9042</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 18 Jul 2013 10:39:58 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/does-medicare-pay-for-at-home-health-care#answer_9042</guid>
		<description><![CDATA[Medicare is very limited for any type of long term care, including the home.  Medicare does not pay for custodial care.  It will pay for some temporary skilled care in your home if you need some type of rehab services such as occupational, speech, or physical therapy.  It may also pay for some durable medical equipment.  Do not rely on Medicare as a source for any extended home health care.]]></description>
		<content:encoded><![CDATA[Medicare is very limited for any type of long term care, including the home.  Medicare does not pay for custodial care.  It will pay for some temporary skilled care in your home if you need some type of rehab services such as occupational, speech, or physical therapy.  It may also pay for some durable medical equipment.  Do not rely on Medicare as a source for any extended home health care.]]></content:encoded>
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		<title>Answer on How Safe Is It To Invest In Annuities? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/annuities/how-safe-is-it-to-invest-in-annuities#answer_8718</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 11 Jul 2013 14:02:33 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/annuities/how-safe-is-it-to-invest-in-annuities#answer_8718</guid>
		<description><![CDATA[Annuities are among the safest forms of investment, particularly fixed or Indexed Annuities.  Provided you follow the tax laws and contract, there is really very little risk of losing money.  Fixed Annuities have a guaranteed interest rate.  Indexed Annuities have rates based on the stock index performance but without the downside risk.  Annuities are also the only retirement vehicles that can guarantee a lifetime income.]]></description>
		<content:encoded><![CDATA[Annuities are among the safest forms of investment, particularly fixed or Indexed Annuities.  Provided you follow the tax laws and contract, there is really very little risk of losing money.  Fixed Annuities have a guaranteed interest rate.  Indexed Annuities have rates based on the stock index performance but without the downside risk.  Annuities are also the only retirement vehicles that can guarantee a lifetime income.]]></content:encoded>
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		<title>Answer on Why Do Life Insurance Companies Do Urine Tests? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/why-do-life-insurance-companies-do-urine-tests#answer_8667</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 10 Jul 2013 11:15:13 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/why-do-life-insurance-companies-do-urine-tests#answer_8667</guid>
		<description><![CDATA[Urine, saliva or blood tests are performed to check for things like HIV, drug use, tobacco, or any other abnormalities that could affect a persons insurability and allow the insurance company to properly rate the risk.  Since life insurance rates are based on mortality, anything that affects the persons probable life expectancy needs to be considered.]]></description>
		<content:encoded><![CDATA[Urine, saliva or blood tests are performed to check for things like HIV, drug use, tobacco, or any other abnormalities that could affect a persons insurability and allow the insurance company to properly rate the risk.  Since life insurance rates are based on mortality, anything that affects the persons probable life expectancy needs to be considered.]]></content:encoded>
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		<title>Answer on Does Car Insurance Always Go Up After An Accident? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/does-car-insurance-always-go-up-after-an-accident#answer_8666</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 10 Jul 2013 11:10:53 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/does-car-insurance-always-go-up-after-an-accident#answer_8666</guid>
		<description><![CDATA[Not necessarily.  A lot depends on your prior driving history.  If you have been a safe driver and have one accident, that accident will usually be forgiven  It would also depend on the severity of the accident and circumstances involved.  If the accident has a major offense such as a DUI or Reckless Operation attached to it then you would probably receive a rate increase or possible non-renewal.]]></description>
		<content:encoded><![CDATA[Not necessarily.  A lot depends on your prior driving history.  If you have been a safe driver and have one accident, that accident will usually be forgiven  It would also depend on the severity of the accident and circumstances involved.  If the accident has a major offense such as a DUI or Reckless Operation attached to it then you would probably receive a rate increase or possible non-renewal.]]></content:encoded>
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		<title>Answer on Why Is Auto Insurance More Expensive For Males? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/why-is-auto-insurance-more-expensive-for-males#answer_8665</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 10 Jul 2013 11:05:17 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/why-is-auto-insurance-more-expensive-for-males#answer_8665</guid>
		<description><![CDATA[Young male drivers, statistically, have more accidents.  Then tend to be more aggressive than female drivers.  Since insurance rates are based on average claim experience and statistics, young male drivers who do drive safely are penalized by having to pay higher rates in order to pay for those who are not as safe.]]></description>
		<content:encoded><![CDATA[Young male drivers, statistically, have more accidents.  Then tend to be more aggressive than female drivers.  Since insurance rates are based on average claim experience and statistics, young male drivers who do drive safely are penalized by having to pay higher rates in order to pay for those who are not as safe.]]></content:encoded>
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		<title>Answer on Why Should You Purchase Disability Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/disability-insurance/why-should-you-purchase-disability-insurance#answer_8662</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 10 Jul 2013 10:55:34 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/disability-insurance/why-should-you-purchase-disability-insurance#answer_8662</guid>
		<description><![CDATA[There are a number of reasons, the primary being that, should you become disabled the bills do not stop coming in.  Case in point, a close friend recently had a triple bi-pass operation.  He has been off work for three months.  Could you make your house payment, pay your utilities and credit card bills, buy food and other necessities if you had no pay coming in during that period?  If you own a business, would your business be able to continue to operate?  How long would you be able to make it without your paycheck?  How much of a dent would it put into your retirement or college fund?  Disability and Medical Expenses are the leading cause of bankruptcy in the USA.  Why not protect your family from the devastating effects of disability?]]></description>
		<content:encoded><![CDATA[There are a number of reasons, the primary being that, should you become disabled the bills do not stop coming in.  Case in point, a close friend recently had a triple bi-pass operation.  He has been off work for three months.  Could you make your house payment, pay your utilities and credit card bills, buy food and other necessities if you had no pay coming in during that period?  If you own a business, would your business be able to continue to operate?  How long would you be able to make it without your paycheck?  How much of a dent would it put into your retirement or college fund?  Disability and Medical Expenses are the leading cause of bankruptcy in the USA.  Why not protect your family from the devastating effects of disability?]]></content:encoded>
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		<title>Answer on Can I Put My Elderly Parent On My Health Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/can-i-put-my-elderly-parent-on-my-health-insurance#answer_8661</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 10 Jul 2013 10:46:54 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/can-i-put-my-elderly-parent-on-my-health-insurance#answer_8661</guid>
		<description><![CDATA[No.  An elderly parent should be qualified for Medicare.  With the affordable options available with Medicare Advantage it really does not make sense to put an older person  on your health insurance.  Even if you could the premium would be totally unaffordable for most people.  A Medicare Advantage plan in most area&#039;s will offer more extensive coverage at a fraction of the cost.]]></description>
		<content:encoded><![CDATA[No.  An elderly parent should be qualified for Medicare.  With the affordable options available with Medicare Advantage it really does not make sense to put an older person  on your health insurance.  Even if you could the premium would be totally unaffordable for most people.  A Medicare Advantage plan in most area's will offer more extensive coverage at a fraction of the cost.]]></content:encoded>
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		<title>Answer on Does Sleep Apnea Affect Ability To Get Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/does-sleep-apnea-affect-ability-to-get-life-insurance#answer_8660</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 10 Jul 2013 10:41:20 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/does-sleep-apnea-affect-ability-to-get-life-insurance#answer_8660</guid>
		<description><![CDATA[Yes it can.  Depending on the severity and any other health issues involved you would probably be paying a higher rate than standard with most companies.  The best thing to do is sit down with a good independent life insurance agent and have him do a pre-screen to see where you can get the best rates.]]></description>
		<content:encoded><![CDATA[Yes it can.  Depending on the severity and any other health issues involved you would probably be paying a higher rate than standard with most companies.  The best thing to do is sit down with a good independent life insurance agent and have him do a pre-screen to see where you can get the best rates.]]></content:encoded>
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		<title>Answer on How Safe Are Fixed Annuities? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/annuities/how-safe-are-fixed-annuities#answer_8619</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 09 Jul 2013 10:46:03 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/annuities/how-safe-are-fixed-annuities#answer_8619</guid>
		<description><![CDATA[Fixed Annuities are one of the safest long term retirement savings vehicle available.  They have a guaranteed interest rate and the ability to provide a lifetime income when you retire. While you will not experience the gains of riskier investments, you will also not have the risk of loss that you can incur in other investments.]]></description>
		<content:encoded><![CDATA[Fixed Annuities are one of the safest long term retirement savings vehicle available.  They have a guaranteed interest rate and the ability to provide a lifetime income when you retire. While you will not experience the gains of riskier investments, you will also not have the risk of loss that you can incur in other investments.]]></content:encoded>
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		<title>Answer on Does Aflac Offer Disability Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/disability-insurance/does-aflac-offer-disability-insurance#answer_8618</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 09 Jul 2013 10:41:43 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/disability-insurance/does-aflac-offer-disability-insurance#answer_8618</guid>
		<description><![CDATA[To the best of my knowledge AFLAC does not offer a true disability policy.  There policies are primarily supplemental, designed to pay in addition to any other coverage you may have. These policies are very good but are more limited than a true disability policy  You might consider a combination of both disability insurance and a supplement to help pay for any elimination period or extra bills and lost wages you may incur.]]></description>
		<content:encoded><![CDATA[To the best of my knowledge AFLAC does not offer a true disability policy.  There policies are primarily supplemental, designed to pay in addition to any other coverage you may have. These policies are very good but are more limited than a true disability policy  You might consider a combination of both disability insurance and a supplement to help pay for any elimination period or extra bills and lost wages you may incur.]]></content:encoded>
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		<title>Answer on Does Taking Antidepressants Affect Life Insurance Premiums? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/does-taking-antidepressants-affect-life-insurance-premiums#answer_8617</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 09 Jul 2013 10:36:20 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/does-taking-antidepressants-affect-life-insurance-premiums#answer_8617</guid>
		<description><![CDATA[It could cause a rate up depending on the situation.  The company would look at the reason for taking the antidepressant.  Is it situational or chronic?   What is the dosage?  Have you ever been hospitalized?  Any history of suicide attempts?  Are there any other health issues?  What medication are you taking?  Depending on the answers to these questions you could get anywhere from standard rating to denied and need to go with a guaranteed issue plan.  It is best to sit down with an agent who can get the details and do a prescreen based on your situation to find you the best available rate.]]></description>
		<content:encoded><![CDATA[It could cause a rate up depending on the situation.  The company would look at the reason for taking the antidepressant.  Is it situational or chronic?   What is the dosage?  Have you ever been hospitalized?  Any history of suicide attempts?  Are there any other health issues?  What medication are you taking?  Depending on the answers to these questions you could get anywhere from standard rating to denied and need to go with a guaranteed issue plan.  It is best to sit down with an agent who can get the details and do a prescreen based on your situation to find you the best available rate.]]></content:encoded>
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		<title>Answer on Can A Beneficiary Of Life Insurance Be Contested? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/can-a-beneficiary-of-life-insurance-be-contested#answer_8593</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 08 Jul 2013 13:01:11 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/can-a-beneficiary-of-life-insurance-be-contested#answer_8593</guid>
		<description><![CDATA[From the insurance companies standpoint, the proceeds will only be paid to the named beneficiary.  It would be difficult to contest.  You would have to prove mental incompetency or coersion in court.  If successful the proceeds would most likely be paid to the estate or in some cases the prior beneficiary but that would be up to the court.  You would need to see an attorney.]]></description>
		<content:encoded><![CDATA[From the insurance companies standpoint, the proceeds will only be paid to the named beneficiary.  It would be difficult to contest.  You would have to prove mental incompetency or coersion in court.  If successful the proceeds would most likely be paid to the estate or in some cases the prior beneficiary but that would be up to the court.  You would need to see an attorney.]]></content:encoded>
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		<title>Answer on Is Medicare Advantage A Supplement To Medicare? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/is-medicare-advantage-a-supplement-to-medicare#answer_8591</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 08 Jul 2013 12:47:21 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/is-medicare-advantage-a-supplement-to-medicare#answer_8591</guid>
		<description><![CDATA[No, Medicare Advantage is different than a Medicare Supplement.  A Medicare Advantage Plan is a program set up by the government utilizing private insurance companies to administer claims and benefits under the supervision of the Center for Medicare Services.  While you are still in the Medicare System and have all the rights of Original Medicare, a Medicare Advantage Plan takes the place of Original Medicare.  The plan would pay the claims and offer the benefits based on an allowance that Medicare provides the insurance company for each member they have enrolled.  Medicare Advantage has less potential out of pocket and richer benefits than Original Medicare but most require you stay in network.  Original Medicare does not have networks.]]></description>
		<content:encoded><![CDATA[No, Medicare Advantage is different than a Medicare Supplement.  A Medicare Advantage Plan is a program set up by the government utilizing private insurance companies to administer claims and benefits under the supervision of the Center for Medicare Services.  While you are still in the Medicare System and have all the rights of Original Medicare, a Medicare Advantage Plan takes the place of Original Medicare.  The plan would pay the claims and offer the benefits based on an allowance that Medicare provides the insurance company for each member they have enrolled.  Medicare Advantage has less potential out of pocket and richer benefits than Original Medicare but most require you stay in network.  Original Medicare does not have networks.]]></content:encoded>
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		<title>Answer on Does Long Term Care Insurance Pay For In Home Care? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/long-term-care-insurance/does-long-term-care-insurance-pay-for-in-home-care#answer_8560</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 07 Jul 2013 11:29:20 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/long-term-care-insurance/does-long-term-care-insurance-pay-for-in-home-care#answer_8560</guid>
		<description><![CDATA[It depends on the policy.  Many will pay for in home care and a few may even pay family members.  If you already own a long term care policy then you need to review it with your agent to determine what your policy covers.  If you do not and are considering purchasing long term care insurance then make sure it has a home health care provision.  Sit down with a good agent familiar with Care Resource Planning to find the best option for you.]]></description>
		<content:encoded><![CDATA[It depends on the policy.  Many will pay for in home care and a few may even pay family members.  If you already own a long term care policy then you need to review it with your agent to determine what your policy covers.  If you do not and are considering purchasing long term care insurance then make sure it has a home health care provision.  Sit down with a good agent familiar with Care Resource Planning to find the best option for you.]]></content:encoded>
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		<title>Answer on Does Medicare Cover Home Aides? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/does-medicare-cover-home-aides#answer_8557</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 07 Jul 2013 11:18:12 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/does-medicare-cover-home-aides#answer_8557</guid>
		<description><![CDATA[No, Medicare is very limited on home health care services.  Medicare does not cover custodial care either at home or in a facility.  Medicare will cover some rehab services at home performed by approved skilled therapists or nurses. the will not pay for home health aids.  You would either have to private pay or qualify for Medicaid to receive this type of assistance.]]></description>
		<content:encoded><![CDATA[No, Medicare is very limited on home health care services.  Medicare does not cover custodial care either at home or in a facility.  Medicare will cover some rehab services at home performed by approved skilled therapists or nurses. the will not pay for home health aids.  You would either have to private pay or qualify for Medicaid to receive this type of assistance.]]></content:encoded>
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		<title>Answer on Can You Write Off Home Insurance On Your Taxes? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/can-you-write-off-home-insurance-on-your-taxes#answer_8556</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 07 Jul 2013 11:05:34 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/can-you-write-off-home-insurance-on-your-taxes#answer_8556</guid>
		<description><![CDATA[Not unless you operate a business out of your home.  In that case you can deduct a portion of the homeowners insurance depending on the percentage of your home you use for business.  To find out if you can deduct a portion of your home and what exact percentage it is best to speak with your tax adviser.]]></description>
		<content:encoded><![CDATA[Not unless you operate a business out of your home.  In that case you can deduct a portion of the homeowners insurance depending on the percentage of your home you use for business.  To find out if you can deduct a portion of your home and what exact percentage it is best to speak with your tax adviser.]]></content:encoded>
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		<title>Answer on Does Part B Medicare Cover Prescriptions? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/does-part-b-medicare-cover-prescriptions#answer_8555</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 07 Jul 2013 11:02:09 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/does-part-b-medicare-cover-prescriptions#answer_8555</guid>
		<description><![CDATA[Some Chemotherapy and injectable drugs are covered under Part B but most drugs are not.  That is why you need Medicare Part D which is your Prescription Drug Plan. Part D is administered by private insurance companies under the supervision and guidance of the Center for Medicare Services.  You must select a Prescription drug plan or face penalties by Medicare.]]></description>
		<content:encoded><![CDATA[Some Chemotherapy and injectable drugs are covered under Part B but most drugs are not.  That is why you need Medicare Part D which is your Prescription Drug Plan. Part D is administered by private insurance companies under the supervision and guidance of the Center for Medicare Services.  You must select a Prescription drug plan or face penalties by Medicare.]]></content:encoded>
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		<title>Answer on Does Health Insurance Pay For Nursing Home Care? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/does-health-insurance-pay-for-nursing-home-care#answer_8499</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 05 Jul 2013 12:43:34 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/does-health-insurance-pay-for-nursing-home-care#answer_8499</guid>
		<description><![CDATA[Health Insurance coverage for Nursing Home care is limited to medically necessary physical therapy for a very limited time, if your policy covers it at all.  Some do not.  It does not cover custodial care or long term care at all.  There are policies designed specifically for Long Term Care.]]></description>
		<content:encoded><![CDATA[Health Insurance coverage for Nursing Home care is limited to medically necessary physical therapy for a very limited time, if your policy covers it at all.  Some do not.  It does not cover custodial care or long term care at all.  There are policies designed specifically for Long Term Care.]]></content:encoded>
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		<title>Answer on Does Medicare Cover Osteopaths? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/does-medicare-cover-osteopaths#answer_8498</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 05 Jul 2013 12:34:53 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/does-medicare-cover-osteopaths#answer_8498</guid>
		<description><![CDATA[Yes as long as they accept Medicare Osteopaths are a recognized medical profession and will be covered by Medicare.  The same is true for Chiropractors, physical therapists, massage therapists under certain situations, and other recognized healthcare professionals involved in treating health conditions.  Unfortunately some alternative practitioners are not covered such as Naturopathic doctors and Medical Herbalists.]]></description>
		<content:encoded><![CDATA[Yes as long as they accept Medicare Osteopaths are a recognized medical profession and will be covered by Medicare.  The same is true for Chiropractors, physical therapists, massage therapists under certain situations, and other recognized healthcare professionals involved in treating health conditions.  Unfortunately some alternative practitioners are not covered such as Naturopathic doctors and Medical Herbalists.]]></content:encoded>
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		<title>Answer on When Is The Right Time To Buy Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/when-is-the-right-time-to-buy-life-insurance#answer_8431</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 03 Jul 2013 11:39:38 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/when-is-the-right-time-to-buy-life-insurance#answer_8431</guid>
		<description><![CDATA[The younger and healthier you are the better. &#160;Insurance premiums are extremely low for babies. &#160;As we get older the premiums go up. &#160;This is because life insurance race are based on mortality, or how long a person is expected to live. &#160;Since we obviously are growing older each year, the sooner you purchase life insurance the better.]]></description>
		<content:encoded><![CDATA[The younger and healthier you are the better. &nbsp;Insurance premiums are extremely low for babies. &nbsp;As we get older the premiums go up. &nbsp;This is because life insurance race are based on mortality, or how long a person is expected to live. &nbsp;Since we obviously are growing older each year, the sooner you purchase life insurance the better.]]></content:encoded>
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		<title>Answer on Can I Get Disability Insurance While Pregnant? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/disability-insurance/can-i-get-disability-insurance-while-pregnant#answer_8430</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 03 Jul 2013 11:36:16 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/disability-insurance/can-i-get-disability-insurance-while-pregnant#answer_8430</guid>
		<description><![CDATA[Generally if your already pregnant the insurance company will make you wait until after the baby is born.  No insurance company will insure someone knowing that there is a potential claim pending.  Disability insurance does not fall under the Affordable Care Act guidelines for pre-existing conditions therefore there would be know coverage for your pregnancy.]]></description>
		<content:encoded><![CDATA[Generally if your already pregnant the insurance company will make you wait until after the baby is born.  No insurance company will insure someone knowing that there is a potential claim pending.  Disability insurance does not fall under the Affordable Care Act guidelines for pre-existing conditions therefore there would be know coverage for your pregnancy.]]></content:encoded>
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		<title>Answer on Who Is Uninsurable For Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/who-is-uninsurable-for-life-insurance#answer_8429</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 03 Jul 2013 11:31:35 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/who-is-uninsurable-for-life-insurance#answer_8429</guid>
		<description><![CDATA[There are plans available for anyone.  Usually if a person is in very bad health there will be a graded death benefit for the first two or three years.  The healthier you are the better your rates.  If a person is very healthy that person can get preferred rating.  If a person has Aids or some other serious disease they would have to go guaranteed issue and pay higher rates.]]></description>
		<content:encoded><![CDATA[There are plans available for anyone.  Usually if a person is in very bad health there will be a graded death benefit for the first two or three years.  The healthier you are the better your rates.  If a person is very healthy that person can get preferred rating.  If a person has Aids or some other serious disease they would have to go guaranteed issue and pay higher rates.]]></content:encoded>
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		<title>Answer on Can I Have 2 Health Insurance Policies? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/can-i-have-2-health-insurance-policies#answer_8428</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 03 Jul 2013 11:26:22 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/can-i-have-2-health-insurance-policies#answer_8428</guid>
		<description><![CDATA[You can but you would be throwing your money away.  Health insurance policies coordinate benefits.  They will not pay more than 100% of the bill.  Deductibles and copay&#039;s will still apply.  You do not need to have more than one Major Medical health plan.  There are some supplemental plans that pay in addition to your Major Medical.  You might want to consider one of these.]]></description>
		<content:encoded><![CDATA[You can but you would be throwing your money away.  Health insurance policies coordinate benefits.  They will not pay more than 100% of the bill.  Deductibles and copay's will still apply.  You do not need to have more than one Major Medical health plan.  There are some supplemental plans that pay in addition to your Major Medical.  You might want to consider one of these.]]></content:encoded>
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		<title>Answer on Can I Get Life Insurance Over 65? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/can-i-get-life-insurance-over-65#answer_8427</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 03 Jul 2013 11:21:50 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/can-i-get-life-insurance-over-65#answer_8427</guid>
		<description><![CDATA[Definitely.  I have companies that go to age 85.  The rates you will receive will be dependent on your health.  Life insurance is something that your money pays for but it your health that actually buys it.  The healthier you are the better the rates and the greater chance of being approved for the larger policies.]]></description>
		<content:encoded><![CDATA[Definitely.  I have companies that go to age 85.  The rates you will receive will be dependent on your health.  Life insurance is something that your money pays for but it your health that actually buys it.  The healthier you are the better the rates and the greater chance of being approved for the larger policies.]]></content:encoded>
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		<title>Answer on Does Medicare Cover Gym Memberships? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/does-medicare-cover-gym-memberships#answer_8330</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 02 Jul 2013 11:28:56 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/does-medicare-cover-gym-memberships#answer_8330</guid>
		<description><![CDATA[Original Medicare does not cover gym memberships.  Medicare Advantage Plans and some Medicare Supplements do!  This is one of the value added features of many Medicare Advantage Plans.  If you want to be able to have a gym membership paid for look at the Medicare Advantage Plans in your ares.]]></description>
		<content:encoded><![CDATA[Original Medicare does not cover gym memberships.  Medicare Advantage Plans and some Medicare Supplements do!  This is one of the value added features of many Medicare Advantage Plans.  If you want to be able to have a gym membership paid for look at the Medicare Advantage Plans in your ares.]]></content:encoded>
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		<title>Answer on How Does Life Insurance Provide Financial Security? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/how-does-life-insurance-provide-financial-security#answer_8329</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 02 Jul 2013 11:25:17 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/how-does-life-insurance-provide-financial-security#answer_8329</guid>
		<description><![CDATA[If you were to die today, how long would your savings last?  How would your family pay the bills without your income?  Who will pay the debts you leave behind?  Life insurance provides the peace of mind and security in knowing that your loved ones will be able to continue on without you.  They can stay in their home.  Your child can go to college.  Your final expenses will be taken care of.  Even if you have a sizable estate, life insurance can be a means of helping to preserve that estate.  It can hep make sure your business will continue until it can be sold.  It can provide funds for a business partner to buy out your share of the business when you die.  It avoids probate and creditors, unlike other savings vehicles.  It provides an immediate estate.  This is financial security!]]></description>
		<content:encoded><![CDATA[If you were to die today, how long would your savings last?  How would your family pay the bills without your income?  Who will pay the debts you leave behind?  Life insurance provides the peace of mind and security in knowing that your loved ones will be able to continue on without you.  They can stay in their home.  Your child can go to college.  Your final expenses will be taken care of.  Even if you have a sizable estate, life insurance can be a means of helping to preserve that estate.  It can hep make sure your business will continue until it can be sold.  It can provide funds for a business partner to buy out your share of the business when you die.  It avoids probate and creditors, unlike other savings vehicles.  It provides an immediate estate.  This is financial security!]]></content:encoded>
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		<title>Answer on Why Buy Long Term Care Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/long-term-care-insurance/why-buy-long-term-care-insurance#answer_8326</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 02 Jul 2013 10:58:43 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/long-term-care-insurance/why-buy-long-term-care-insurance#answer_8326</guid>
		<description><![CDATA[Statistically, nearly everyone will at some point need some type of care in their lifetime.  As we get older our health declines.  We are unable to do things for ourselves.    The cost can be tremendous.  Nursing Home average cost is between $6000 and $7000.  Cost for Assisted Living runs around $4000.  Home Health Care runs between $15 and $20 per hour.  Medicare is very limited on what they will pay and does not pay for custodial care.  The options, the family can try to care for the loved one.  While many families try to take care of their loved one at home, the burden can be great, especially if the family has children in addition to caring for a loved one.  Very often the situation is so bad it becomes nearly impossible without help.  You can private pay for help either at home or a care facility, but it doesn&#039;t take a mathematician to figure out that any assets would be rapidly depleted leading to the final option, go on Medicaid.
Long Term Care provides funds to pay for care without having to lose everything you have worked hard to provide and the legacy you wanted to leave behind for your children and grandchildren.  It relieves the burden and embarassment of having our personal needs taken care of by family members.  Anyone who has ever been a caregiver knows how hard it can be.  Why buy Long Term Care Insurance?  Because you love your family!]]></description>
		<content:encoded><![CDATA[Statistically, nearly everyone will at some point need some type of care in their lifetime.  As we get older our health declines.  We are unable to do things for ourselves.    The cost can be tremendous.  Nursing Home average cost is between $6000 and $7000.  Cost for Assisted Living runs around $4000.  Home Health Care runs between $15 and $20 per hour.  Medicare is very limited on what they will pay and does not pay for custodial care.  The options, the family can try to care for the loved one.  While many families try to take care of their loved one at home, the burden can be great, especially if the family has children in addition to caring for a loved one.  Very often the situation is so bad it becomes nearly impossible without help.  You can private pay for help either at home or a care facility, but it doesn't take a mathematician to figure out that any assets would be rapidly depleted leading to the final option, go on Medicaid.
Long Term Care provides funds to pay for care without having to lose everything you have worked hard to provide and the legacy you wanted to leave behind for your children and grandchildren.  It relieves the burden and embarassment of having our personal needs taken care of by family members.  Anyone who has ever been a caregiver knows how hard it can be.  Why buy Long Term Care Insurance?  Because you love your family!]]></content:encoded>
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		<title>Answer on Does Renters Insurance Protect Against Theft? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/renters-insurance/does-renters-insurance-protect-against-theft#answer_8151</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 30 Jun 2013 11:10:48 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/renters-insurance/does-renters-insurance-protect-against-theft#answer_8151</guid>
		<description><![CDATA[Unless you have a basic fire policy, most renters policies will cover theft.  That is why it is a good idea to keep receipts for any large purchases, take pictures and keep an inventory. Keep copies of these in an off premise location such as a relatives home or safety deposit box.  It will help if the insurance company questions a claim.  Fraudulent theft claims cost insurance companies millions of dollars per year and many are cracking down.  By keeping a good inventory, pictures, and receipts you protect yourself.]]></description>
		<content:encoded><![CDATA[Unless you have a basic fire policy, most renters policies will cover theft.  That is why it is a good idea to keep receipts for any large purchases, take pictures and keep an inventory. Keep copies of these in an off premise location such as a relatives home or safety deposit box.  It will help if the insurance company questions a claim.  Fraudulent theft claims cost insurance companies millions of dollars per year and many are cracking down.  By keeping a good inventory, pictures, and receipts you protect yourself.]]></content:encoded>
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		<title>Answer on Does Health Insurance Cover Kidney Transplants? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/does-health-insurance-cover-kidney-transplants#answer_8150</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 30 Jun 2013 11:04:01 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/does-health-insurance-cover-kidney-transplants#answer_8150</guid>
		<description><![CDATA[In most cases, subject to any deductibles, copay&#039;s or any other limitations in your policy. Since every policy is different it is a good idea to check with your agent or insurance company to find out how the policy will pay and what your potential financial responsibility will be so that you can make payment arrangements if necessary.]]></description>
		<content:encoded><![CDATA[In most cases, subject to any deductibles, copay's or any other limitations in your policy. Since every policy is different it is a good idea to check with your agent or insurance company to find out how the policy will pay and what your potential financial responsibility will be so that you can make payment arrangements if necessary.]]></content:encoded>
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		<title>Answer on Will Renters Insurance Cover A Broken Window? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/renters-insurance/will-renters-insurance-cover-a-broken-window#answer_8149</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 30 Jun 2013 10:58:31 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/renters-insurance/will-renters-insurance-cover-a-broken-window#answer_8149</guid>
		<description><![CDATA[Renters insurance covers your personal belongings in the event of a covered loss.  Since the window is owned by the landlord if there is any coverage, his insurance would pay.  Even if there were coverage, however, most window replacements would fall very close to the deductible of most policies.  It would not make sense to turn in a claim.]]></description>
		<content:encoded><![CDATA[Renters insurance covers your personal belongings in the event of a covered loss.  Since the window is owned by the landlord if there is any coverage, his insurance would pay.  Even if there were coverage, however, most window replacements would fall very close to the deductible of most policies.  It would not make sense to turn in a claim.]]></content:encoded>
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		<title>Answer on Can You Deduct Homeowners Insurance On A Rental Property? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/can-you-deduct-homeowners-insurance-on-a-rental-property-2#answer_8073</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 29 Jun 2013 11:42:58 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/can-you-deduct-homeowners-insurance-on-a-rental-property-2#answer_8073</guid>
		<description><![CDATA[This is more of a question for a tax adviser, however based on my knowledge the answer would be yes, insurance on a rental property would be a deductible expense in most situations.  Any business can deduct business expenses paid.  Since rental property is a source of income, any expenses related to that property would be deductible.]]></description>
		<content:encoded><![CDATA[This is more of a question for a tax adviser, however based on my knowledge the answer would be yes, insurance on a rental property would be a deductible expense in most situations.  Any business can deduct business expenses paid.  Since rental property is a source of income, any expenses related to that property would be deductible.]]></content:encoded>
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		<title>Answer on Does Medicare Pay For Caregivers In The Home? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/does-medicare-pay-for-caregivers-in-the-home-2#answer_7887</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 27 Jun 2013 10:57:47 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/does-medicare-pay-for-caregivers-in-the-home-2#answer_7887</guid>
		<description><![CDATA[Under Medicare any type of Home Health Care is limited. They will provide some skilled care on a temporary basis but Medicare generally will not pay for custodial care in any long term care environment.  That is why it is important to carry some type of Long Term Care Insurance that will provide Home Health Care.  Some policies even pay family members for providing care.  A good agent who does long term care planning can help you find a program that will help.]]></description>
		<content:encoded><![CDATA[Under Medicare any type of Home Health Care is limited. They will provide some skilled care on a temporary basis but Medicare generally will not pay for custodial care in any long term care environment.  That is why it is important to carry some type of Long Term Care Insurance that will provide Home Health Care.  Some policies even pay family members for providing care.  A good agent who does long term care planning can help you find a program that will help.]]></content:encoded>
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		<title>Answer on Can Self Employed Get Disability Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/disability-insurance/can-self-employed-get-disability-insurance#answer_7885</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 27 Jun 2013 10:48:33 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/disability-insurance/can-self-employed-get-disability-insurance#answer_7885</guid>
		<description><![CDATA[Definitely as long as they can qualify health wise and they are not working in a hazardous occupation.  Any independent agent familiar with disability insurance should be able to help you select a plan.  It is important for a self employed person to have some type of disability insurance that will help to continue to pay overhead expenses and loss income.]]></description>
		<content:encoded><![CDATA[Definitely as long as they can qualify health wise and they are not working in a hazardous occupation.  Any independent agent familiar with disability insurance should be able to help you select a plan.  It is important for a self employed person to have some type of disability insurance that will help to continue to pay overhead expenses and loss income.]]></content:encoded>
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		<title>Answer on What Is Uninsured Loss Recovery On Car Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/what-is-uninsured-loss-recovery-on-car-insurance-2#answer_7884</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 27 Jun 2013 10:44:10 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/what-is-uninsured-loss-recovery-on-car-insurance-2#answer_7884</guid>
		<description><![CDATA[If there is an accident and one of the parties is uninsured, the insured drivers insurance would pay the claim under the uninsured motorist portion of their policy.  The insurance company would then attempt to recover from the uninsured driver any loss paid by them that would normally have been paid by that persons insurance if that person would have had insurance.]]></description>
		<content:encoded><![CDATA[If there is an accident and one of the parties is uninsured, the insured drivers insurance would pay the claim under the uninsured motorist portion of their policy.  The insurance company would then attempt to recover from the uninsured driver any loss paid by them that would normally have been paid by that persons insurance if that person would have had insurance.]]></content:encoded>
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		<title>Answer on Does Home Insurance Cover Riots? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/does-home-insurance-cover-riots-2#answer_7845</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 26 Jun 2013 11:29:43 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/does-home-insurance-cover-riots-2#answer_7845</guid>
		<description><![CDATA[Yes civil disorder is one of the perils most policies will cover.  If your home is damaged or destroyed in a riot or civil unrest it will be repaired or replaced along with any personal property damaged or destroyed.  Homeowners Insurance also covers vandalism if your home is damaged by vandals.]]></description>
		<content:encoded><![CDATA[Yes civil disorder is one of the perils most policies will cover.  If your home is damaged or destroyed in a riot or civil unrest it will be repaired or replaced along with any personal property damaged or destroyed.  Homeowners Insurance also covers vandalism if your home is damaged by vandals.]]></content:encoded>
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		<title>Answer on How Do Life Insurance Companies Determine Rates? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/how-do-life-insurance-companies-determine-rates#answer_7844</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 26 Jun 2013 11:26:24 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/how-do-life-insurance-companies-determine-rates#answer_7844</guid>
		<description><![CDATA[Life insurance rates are based on a complicated set of actuarial tables based on mortality.  To simplify it, they look at the statistics of how long the average person is expected to live if they are a non-smoker.  They also look at gender.  There is a mortality table that all insurance companies use.  They will use that table to determine rates for the average person (standard rates).   They then look at health factors to determine preferred rates for the very healthy and various rate tables as a persons health factors decline and accumulate until a person is no longer considered insurable by a standard policy.]]></description>
		<content:encoded><![CDATA[Life insurance rates are based on a complicated set of actuarial tables based on mortality.  To simplify it, they look at the statistics of how long the average person is expected to live if they are a non-smoker.  They also look at gender.  There is a mortality table that all insurance companies use.  They will use that table to determine rates for the average person (standard rates).   They then look at health factors to determine preferred rates for the very healthy and various rate tables as a persons health factors decline and accumulate until a person is no longer considered insurable by a standard policy.]]></content:encoded>
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		<title>Answer on Will I Be Fined If I Do Not Have Health Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/will-i-be-fined-if-i-do-not-have-health-insurance-2#answer_7842</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 26 Jun 2013 11:19:13 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/will-i-be-fined-if-i-do-not-have-health-insurance-2#answer_7842</guid>
		<description><![CDATA[Under the new Affordable Care Act you will have an Open Enrollment period that will las t from October until March of 2014 during which time you will eed to select a health insurance policy.  Failure to do so will result in a tax penalty and will be deducted from any refund or increase the amount of tax you will have to pay.  It is not a criminal offense and a fine is not involved unless of course you refuse to pay your tax.]]></description>
		<content:encoded><![CDATA[Under the new Affordable Care Act you will have an Open Enrollment period that will las t from October until March of 2014 during which time you will eed to select a health insurance policy.  Failure to do so will result in a tax penalty and will be deducted from any refund or increase the amount of tax you will have to pay.  It is not a criminal offense and a fine is not involved unless of course you refuse to pay your tax.]]></content:encoded>
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		<title>Answer on Why Should I Buy Universal Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/why-should-i-buy-universal-life-insurance#answer_7791</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 25 Jun 2013 10:48:08 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/why-should-i-buy-universal-life-insurance#answer_7791</guid>
		<description><![CDATA[Every situation is different.  Universal Life may or may not be the correct choice for you.  The advantages of Universal Life is in its flexibility and greater potential for cash accumulation.  Properly funded a Universal Life can be a great choice for the person who needs life insurance and like the idea of being able to have a competitive saving built in.  The disadvantage comes when a person does not put enough into the policy.  Unless there is enough in the cash portion of the policy to pay the cost of insurance, you can lose the savings portion and the insurance.  Know what you are buying and do not buy solely on perceived cost.  Ask fo a complete illustration before purchasing Universal Life and look at the guaranteed portion, not just the projected.]]></description>
		<content:encoded><![CDATA[Every situation is different.  Universal Life may or may not be the correct choice for you.  The advantages of Universal Life is in its flexibility and greater potential for cash accumulation.  Properly funded a Universal Life can be a great choice for the person who needs life insurance and like the idea of being able to have a competitive saving built in.  The disadvantage comes when a person does not put enough into the policy.  Unless there is enough in the cash portion of the policy to pay the cost of insurance, you can lose the savings portion and the insurance.  Know what you are buying and do not buy solely on perceived cost.  Ask fo a complete illustration before purchasing Universal Life and look at the guaranteed portion, not just the projected.]]></content:encoded>
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		<title>Answer on Is It Important To Have Critical Illness Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/critical-illness-insurance/is-it-important-to-have-critical-illness-insurance#answer_7790</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 25 Jun 2013 10:40:08 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/critical-illness-insurance/is-it-important-to-have-critical-illness-insurance#answer_7790</guid>
		<description><![CDATA[When you consider the statistics, Critical Illness insurance can make a big difference in a persons life.  More and more people are surviving Cancer, Stroke, Heart Attack and other critical illnesses and are living longer.  Often they are unable to go back to work or they have higher medical costs that may not be covered fully by their health insurance.  Critical illness can be a big asset for these individuals and it is not real expensive.]]></description>
		<content:encoded><![CDATA[When you consider the statistics, Critical Illness insurance can make a big difference in a persons life.  More and more people are surviving Cancer, Stroke, Heart Attack and other critical illnesses and are living longer.  Often they are unable to go back to work or they have higher medical costs that may not be covered fully by their health insurance.  Critical illness can be a big asset for these individuals and it is not real expensive.]]></content:encoded>
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		<title>Answer on Does Comprehensive Auto Insurance Cover Hitting Deer? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/does-comprehensive-auto-insurance-cover-hitting-deer-2#answer_7788</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 25 Jun 2013 10:31:33 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/does-comprehensive-auto-insurance-cover-hitting-deer-2#answer_7788</guid>
		<description><![CDATA[Yes, your Comprehensive coverage covers any animal strike, falling trees, rocks, vandalism, anything other than a collision.  Since an animal is not considered an inanimate object, an animal strike is covered under the comprehensive portion of your auto policy.  Collision covers a collision with trees, other auto&#039;s or other vehicles, and other inanimate objects.]]></description>
		<content:encoded><![CDATA[Yes, your Comprehensive coverage covers any animal strike, falling trees, rocks, vandalism, anything other than a collision.  Since an animal is not considered an inanimate object, an animal strike is covered under the comprehensive portion of your auto policy.  Collision covers a collision with trees, other auto's or other vehicles, and other inanimate objects.]]></content:encoded>
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		<title>Answer on When Can I Cash In My Life Insurance Policy? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/when-can-i-cash-in-my-life-insurance-policy#answer_7785</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 25 Jun 2013 10:15:42 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/when-can-i-cash-in-my-life-insurance-policy#answer_7785</guid>
		<description><![CDATA[A whole life policy accumulates cash value.  This cash value increases over time.  While you can cash surrender the policy at any time, you will only receive the amount of cash surrender value in the policy, you do not receive the face amount.  The longer you hold on to the policy the more cash accumulation you have.  Remember that when you surrender a policy by cashing it in you will lose the death benefit.  If you need the insurance then take a loan on the policy if you need cash.  Just make sure you pay the interest each year.  The amount of the oan will be deducted from the death benefit if something happens to you.]]></description>
		<content:encoded><![CDATA[A whole life policy accumulates cash value.  This cash value increases over time.  While you can cash surrender the policy at any time, you will only receive the amount of cash surrender value in the policy, you do not receive the face amount.  The longer you hold on to the policy the more cash accumulation you have.  Remember that when you surrender a policy by cashing it in you will lose the death benefit.  If you need the insurance then take a loan on the policy if you need cash.  Just make sure you pay the interest each year.  The amount of the oan will be deducted from the death benefit if something happens to you.]]></content:encoded>
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		<title>Answer on Is Annuity Distribution Taxable? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/annuities/is-annuity-distribution-taxable#answer_7728</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 24 Jun 2013 10:44:52 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/annuities/is-annuity-distribution-taxable#answer_7728</guid>
		<description><![CDATA[In most cases yes, you will pay income tax on your annuity income.  Since most people use annuities to fund their retirement when income is usually lower, the tax will be according to the reduce income schedule.  Funds in an Annuity are tax deferred until you begin taking withdrawals.  If the plan is a qualified plan such as an IRA, you can deduct the amount of your payment from your income each year.  The IRS has special rules set up for when you begin taking withdrawals and the minimum distribution.  Again, you will pay taxes on the distribution.]]></description>
		<content:encoded><![CDATA[In most cases yes, you will pay income tax on your annuity income.  Since most people use annuities to fund their retirement when income is usually lower, the tax will be according to the reduce income schedule.  Funds in an Annuity are tax deferred until you begin taking withdrawals.  If the plan is a qualified plan such as an IRA, you can deduct the amount of your payment from your income each year.  The IRS has special rules set up for when you begin taking withdrawals and the minimum distribution.  Again, you will pay taxes on the distribution.]]></content:encoded>
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		<title>Answer on What Is Universal Life Insurance Vs. Whole Life? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-is-universal-life-insurance-vs-whole-life#answer_7727</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 24 Jun 2013 10:37:29 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-is-universal-life-insurance-vs-whole-life#answer_7727</guid>
		<description><![CDATA[Whole Life has set premiums that never go up, guaranteed cash values, and will be around when you need it as long as you pay the premiums.  It also has what is called non-forfeiture values.  If you stop making payments and the policy has cash value you can:  1. Let the policy go on extended term which will provide the full face amount for a period until the cash value runs out.  2.  Take a reduced paid up policy for whatever the cash value will buy.  3.  Cash the policy in.

Universal Life has Flexible Premiums, you can change the amount you put into the plan.  Flexible Death Benefit, you can change the death benefit, reducing it or if your health is good increase the benefit without having to purchase a new policy.  Universal Life has a guaranteed interest rate, not guaranteed cash value.  Since the premiums are flexible the danger is in under funding the policy which will make the policy lapse, even if you are making premium payments.  Universal Life is basically term insurance with a cash value side fund combined into one package.  If there is not enough cash in the policy side fund to pay for the term insurance the policy lapses.  It is important to make sure you are properly funding the Universal Life policy by paying at least the Target Premium.  Each year you will receive an annual statement showing the cost of the term insurance and the amount of cash in the policy.  Have your agent review this with you at least every two years to make sure it is performing as planned.

As you can see, while the Universal Life has some attractive features, Whole Life is a safer more stable product.]]></description>
		<content:encoded><![CDATA[Whole Life has set premiums that never go up, guaranteed cash values, and will be around when you need it as long as you pay the premiums.  It also has what is called non-forfeiture values.  If you stop making payments and the policy has cash value you can:  1. Let the policy go on extended term which will provide the full face amount for a period until the cash value runs out.  2.  Take a reduced paid up policy for whatever the cash value will buy.  3.  Cash the policy in.

Universal Life has Flexible Premiums, you can change the amount you put into the plan.  Flexible Death Benefit, you can change the death benefit, reducing it or if your health is good increase the benefit without having to purchase a new policy.  Universal Life has a guaranteed interest rate, not guaranteed cash value.  Since the premiums are flexible the danger is in under funding the policy which will make the policy lapse, even if you are making premium payments.  Universal Life is basically term insurance with a cash value side fund combined into one package.  If there is not enough cash in the policy side fund to pay for the term insurance the policy lapses.  It is important to make sure you are properly funding the Universal Life policy by paying at least the Target Premium.  Each year you will receive an annual statement showing the cost of the term insurance and the amount of cash in the policy.  Have your agent review this with you at least every two years to make sure it is performing as planned.

As you can see, while the Universal Life has some attractive features, Whole Life is a safer more stable product.]]></content:encoded>
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		<title>Answer on Who Does Medicare Part B Cover? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/who-does-medicare-part-b-cover#answer_7622</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 23 Jun 2013 12:37:37 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/who-does-medicare-part-b-cover#answer_7622</guid>
		<description><![CDATA[Medicare Part B covers your doctors and outpatient services such as blood tests, X-Rays, MRI&#039;s. and other outpatient testing.  Part B also covers Durable Medical Equipment such as walkers, emergency service, flu shots, diabetic foot exams, Glaucoma testing, home health services (limited), dialysis, and certain types of drugs in addition to an annual wellness exam.  For a comprehensive answer see Medicare &#038; You 2013 edition or go to Medicare.gov. You can also speak with a good agent specializing in Medicare and the needs of older adults.]]></description>
		<content:encoded><![CDATA[Medicare Part B covers your doctors and outpatient services such as blood tests, X-Rays, MRI's. and other outpatient testing.  Part B also covers Durable Medical Equipment such as walkers, emergency service, flu shots, diabetic foot exams, Glaucoma testing, home health services (limited), dialysis, and certain types of drugs in addition to an annual wellness exam.  For a comprehensive answer see Medicare &amp; You 2013 edition or go to Medicare.gov. You can also speak with a good agent specializing in Medicare and the needs of older adults.]]></content:encoded>
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		<title>Answer on What Happens If I Drive A Car Without Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/what-happens-if-i-drive-a-car-without-insurance#answer_7621</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 23 Jun 2013 12:28:38 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/what-happens-if-i-drive-a-car-without-insurance#answer_7621</guid>
		<description><![CDATA[In States that require Liability Insurance you can lose your license.  In addition most companies will charge a higher rate for being without insurance.  This law is a protection for both you and the other individual that may be involved in an accident that was your fault.  The other individual can receive the medical treatment he needs and have his auto restored, you are protected from going through a lengthy lawsuit and having your wage garnished.]]></description>
		<content:encoded><![CDATA[In States that require Liability Insurance you can lose your license.  In addition most companies will charge a higher rate for being without insurance.  This law is a protection for both you and the other individual that may be involved in an accident that was your fault.  The other individual can receive the medical treatment he needs and have his auto restored, you are protected from going through a lengthy lawsuit and having your wage garnished.]]></content:encoded>
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		<title>Answer on Is Medicare Run By The Government? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/is-medicare-run-by-the-government#answer_7620</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 23 Jun 2013 12:23:52 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/is-medicare-run-by-the-government#answer_7620</guid>
		<description><![CDATA[Definitely.  It is ran by the Center for Medicare and Medicaid Services, a Government Agency given the responsibility of overseeing and administering Medicare and Medicaid.  Even Medicare Advantage Plans, which are administered by private insurance companies are strongly regulated by CMMS.  They work along with Social Security and Jobs and Family Services to insure that your benefits are available and properly administered.]]></description>
		<content:encoded><![CDATA[Definitely.  It is ran by the Center for Medicare and Medicaid Services, a Government Agency given the responsibility of overseeing and administering Medicare and Medicaid.  Even Medicare Advantage Plans, which are administered by private insurance companies are strongly regulated by CMMS.  They work along with Social Security and Jobs and Family Services to insure that your benefits are available and properly administered.]]></content:encoded>
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		<title>Answer on What Equipment Is Covered By Medicare? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/what-equipment-is-covered-by-medicare#answer_7508</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 22 Jun 2013 11:21:11 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/what-equipment-is-covered-by-medicare#answer_7508</guid>
		<description><![CDATA[Medicare will cover medically necessary Durable Medical Equipment.  the key here is Medically necessary.  Medicare may pay for a wheelchair for one person but not another, for example, depending on the reason for the wheelchair.  It will pay for diabetic monitors.  It may pay for lift chairs if there is a medical necessity.  You need to have a doctors prescription and any DME must go through an approval process by Medicare.]]></description>
		<content:encoded><![CDATA[Medicare will cover medically necessary Durable Medical Equipment.  the key here is Medically necessary.  Medicare may pay for a wheelchair for one person but not another, for example, depending on the reason for the wheelchair.  It will pay for diabetic monitors.  It may pay for lift chairs if there is a medical necessity.  You need to have a doctors prescription and any DME must go through an approval process by Medicare.]]></content:encoded>
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		<title>Answer on Can I Drive A New Car Home Without Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/can-i-drive-a-new-car-home-without-insurance#answer_7506</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 22 Jun 2013 11:10:23 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/can-i-drive-a-new-car-home-without-insurance#answer_7506</guid>
		<description><![CDATA[Most auto dealers will not let you drive the car off of the lot unless you have proof of insurance if there is a loan on the car.  It is never a good idea to drive a car without insurance.  If you traded a car in, then the coverage on the older car may extend to the new car temporarily, but you need to call your agent as soon as possible and get it changed.  Most dealerships have an insurance agent they work with who can get you coverage as well.]]></description>
		<content:encoded><![CDATA[Most auto dealers will not let you drive the car off of the lot unless you have proof of insurance if there is a loan on the car.  It is never a good idea to drive a car without insurance.  If you traded a car in, then the coverage on the older car may extend to the new car temporarily, but you need to call your agent as soon as possible and get it changed.  Most dealerships have an insurance agent they work with who can get you coverage as well.]]></content:encoded>
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		<title>Answer on How Can I Find Out Who My Life Insurance Is With? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/how-can-i-find-out-who-my-life-insurance-is-with#answer_7505</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 22 Jun 2013 11:06:43 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/how-can-i-find-out-who-my-life-insurance-is-with#answer_7505</guid>
		<description><![CDATA[Do you have any payment records?  If your company was purchased by another company and you simply do not know the name of the other company you can call your State Department of Insurance or if you know a good life insurance agent, he or she may be willing to help you.]]></description>
		<content:encoded><![CDATA[Do you have any payment records?  If your company was purchased by another company and you simply do not know the name of the other company you can call your State Department of Insurance or if you know a good life insurance agent, he or she may be willing to help you.]]></content:encoded>
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		<title>Answer on Does Homeowners Insurance Cover Central Air? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/does-homeowners-insurance-cover-central-air#answer_7504</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 22 Jun 2013 10:56:49 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/does-homeowners-insurance-cover-central-air#answer_7504</guid>
		<description><![CDATA[If the air conditioner is damaged by a covered peril then it may be covered under your homeowners insurance.  If it simply breaks down then it is not.  For example, lightning strikes your air conditioner, a tree falls on it, a fire destroys it, there is coverage.  Your child decides to put a stick in the running fan and damages it or it simply stops working due to age or normal wear and tear, there is no coverage.]]></description>
		<content:encoded><![CDATA[If the air conditioner is damaged by a covered peril then it may be covered under your homeowners insurance.  If it simply breaks down then it is not.  For example, lightning strikes your air conditioner, a tree falls on it, a fire destroys it, there is coverage.  Your child decides to put a stick in the running fan and damages it or it simply stops working due to age or normal wear and tear, there is no coverage.]]></content:encoded>
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		<title>Answer on Can You Borrow Against Term Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/can-you-borrow-against-term-life-insurance#answer_7503</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 22 Jun 2013 10:50:07 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/can-you-borrow-against-term-life-insurance#answer_7503</guid>
		<description><![CDATA[Term Life has no cash value to borrow from.  When a person borrows from an insurance policy it is not from the death benefit but rather the cash accumulation.  Since term insurance has no cash value it would be impossible to borrow from the policy.  Term insurance is like renting, when you leave there is no equity.]]></description>
		<content:encoded><![CDATA[Term Life has no cash value to borrow from.  When a person borrows from an insurance policy it is not from the death benefit but rather the cash accumulation.  Since term insurance has no cash value it would be impossible to borrow from the policy.  Term insurance is like renting, when you leave there is no equity.]]></content:encoded>
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		<title>Answer on What Qualifies As Self Employed Health Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/what-qualifies-as-self-employed-health-insurance#answer_7502</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 22 Jun 2013 10:46:37 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/what-qualifies-as-self-employed-health-insurance#answer_7502</guid>
		<description><![CDATA[Most people who are self employed need to pick up an individual policy.  This would be considered a self employed health insurance policy.  There is no set difference or requirements between a person who is employed and has to pick up his own insurance or a self employed person.  There could be a difference as far as tax being deductible since a self employed person will usually file a Schedule C.  An HSA qualified plan is a great way to purchase health insurance if you are self employed due to the tax advantages.  Ask your tax adviser.]]></description>
		<content:encoded><![CDATA[Most people who are self employed need to pick up an individual policy.  This would be considered a self employed health insurance policy.  There is no set difference or requirements between a person who is employed and has to pick up his own insurance or a self employed person.  There could be a difference as far as tax being deductible since a self employed person will usually file a Schedule C.  An HSA qualified plan is a great way to purchase health insurance if you are self employed due to the tax advantages.  Ask your tax adviser.]]></content:encoded>
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		<title>Answer on When Is A Good Age To Get Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/when-is-a-good-age-to-get-life-insurance#answer_7501</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 22 Jun 2013 10:39:16 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/when-is-a-good-age-to-get-life-insurance#answer_7501</guid>
		<description><![CDATA[The younger you purchase life insurance the lower the rate.  If you purchase whole life while you are young the rate is very affordable and you never have to worry about your premium increasing.  You will also be able to accumulate more cash value since your policy will have longer to grow.]]></description>
		<content:encoded><![CDATA[The younger you purchase life insurance the lower the rate.  If you purchase whole life while you are young the rate is very affordable and you never have to worry about your premium increasing.  You will also be able to accumulate more cash value since your policy will have longer to grow.]]></content:encoded>
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		<title>Answer on Can I Change My Car Insurance Anytime? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/can-i-change-my-car-insurance-anytime#answer_7500</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 22 Jun 2013 10:35:17 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/can-i-change-my-car-insurance-anytime#answer_7500</guid>
		<description><![CDATA[Yes, you can change at any time.  If you have already paid your premium the company will have to refund any unearned premium.  Some companies may short rate you however, meaning you may not get the full amount you are expecting.  This amount is usually small and not all companies do this.]]></description>
		<content:encoded><![CDATA[Yes, you can change at any time.  If you have already paid your premium the company will have to refund any unearned premium.  Some companies may short rate you however, meaning you may not get the full amount you are expecting.  This amount is usually small and not all companies do this.]]></content:encoded>
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		<title>Answer on Is Medicare Primary Or Secondary Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/is-medicare-primary-or-secondary-insurance#answer_7498</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 22 Jun 2013 10:27:09 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/is-medicare-primary-or-secondary-insurance#answer_7498</guid>
		<description><![CDATA[If you do not have group coverage or you work for a small employer then Medicare is primary and any other insurance is secondary.  Larger employers group coverage would be primary and Medicare secondary.  The cut off is 20 employees.  More than 20, group pays first, less than 20 Medicare pays first.]]></description>
		<content:encoded><![CDATA[If you do not have group coverage or you work for a small employer then Medicare is primary and any other insurance is secondary.  Larger employers group coverage would be primary and Medicare secondary.  The cut off is 20 employees.  More than 20, group pays first, less than 20 Medicare pays first.]]></content:encoded>
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		<title>Answer on What Is Aetna Medicare Advantage Plan? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/what-is-aetna-medicare-advantage-plan#answer_7497</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 22 Jun 2013 10:21:36 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/what-is-aetna-medicare-advantage-plan#answer_7497</guid>
		<description><![CDATA[This is a Medicare Advantage Plan offered by Aetna.  Several companies offer Medicare Advantage Plans.  Medicare Advantage Plans are compensated by Medicare to administer claims.  They will pay instead of Medicare.  As a result most Medicare Advantage Plans offer more benefits than Original Medicare.  There is also far less out of pocket exposure.  Medicare Advantage Plans, unlike Original Medicare, will have a network of doctors that you must utilize, similar to the networks under most group plans.]]></description>
		<content:encoded><![CDATA[This is a Medicare Advantage Plan offered by Aetna.  Several companies offer Medicare Advantage Plans.  Medicare Advantage Plans are compensated by Medicare to administer claims.  They will pay instead of Medicare.  As a result most Medicare Advantage Plans offer more benefits than Original Medicare.  There is also far less out of pocket exposure.  Medicare Advantage Plans, unlike Original Medicare, will have a network of doctors that you must utilize, similar to the networks under most group plans.]]></content:encoded>
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		<title>Answer on Is Assisted Living Covered By Long Term Care Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/long-term-care-insurance/is-assisted-living-covered-by-long-term-care-insurance#answer_7496</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 22 Jun 2013 10:16:44 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/long-term-care-insurance/is-assisted-living-covered-by-long-term-care-insurance#answer_7496</guid>
		<description><![CDATA[It depends on your policy but most newer plans do.  You need to check your policy to be sure.  Long Term Care policies will generally cover any type of long term care including assisted living and home health care in addition to nursing home.  Some will even pay a family caregiver.]]></description>
		<content:encoded><![CDATA[It depends on your policy but most newer plans do.  You need to check your policy to be sure.  Long Term Care policies will generally cover any type of long term care including assisted living and home health care in addition to nursing home.  Some will even pay a family caregiver.]]></content:encoded>
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		<title>Answer on What To Do If Your Employer Doesn&#8217;t Offer Health Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/what-to-do-if-your-employer-doesnt-offer-health-insurance#answer_7495</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 22 Jun 2013 10:13:44 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/what-to-do-if-your-employer-doesnt-offer-health-insurance#answer_7495</guid>
		<description><![CDATA[Under the new Affordable Care Act, beginning in October there will be an Open Enrollment Period lasting until March of 2014.  During that time you can elect either to go with a private plan or go to the Federal or State Marketplace.  If you qualify for a subsidy you will want to consider the Marketplace (otherwise known as the Exchanges). You will be able to apply online or through an agent or navigator certified to sell on the exchange.  The details are not yet known.  If you are healthy you may want to contact a local health insurance agent and purchase a policy now.  It will help save you on rates and you will not have the increased rates until renewal.]]></description>
		<content:encoded><![CDATA[Under the new Affordable Care Act, beginning in October there will be an Open Enrollment Period lasting until March of 2014.  During that time you can elect either to go with a private plan or go to the Federal or State Marketplace.  If you qualify for a subsidy you will want to consider the Marketplace (otherwise known as the Exchanges). You will be able to apply online or through an agent or navigator certified to sell on the exchange.  The details are not yet known.  If you are healthy you may want to contact a local health insurance agent and purchase a policy now.  It will help save you on rates and you will not have the increased rates until renewal.]]></content:encoded>
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		<title>Answer on Why Should One Buy Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/why-should-one-buy-life-insurance#answer_7394</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 21 Jun 2013 11:51:19 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/why-should-one-buy-life-insurance#answer_7394</guid>
		<description><![CDATA[If you love someone you need life insurance. &#160;Do you want your loved one to be forced to try to come up with money to pay the high cost of funeral and final expenses in a time of grief? &#160;Can your spouse or loved ones afford to pay the debt you leave behind? &#160;Do you want your spouse and children to be able to continue to live in the home you worked hard to provide? &#160;If you have no debt, no wife or kids and no loved ones you still must be buried or cremated. &#160;You should at least have enough insurance or funds set aside for that!]]></description>
		<content:encoded><![CDATA[If you love someone you need life insurance. &nbsp;Do you want your loved one to be forced to try to come up with money to pay the high cost of funeral and final expenses in a time of grief? &nbsp;Can your spouse or loved ones afford to pay the debt you leave behind? &nbsp;Do you want your spouse and children to be able to continue to live in the home you worked hard to provide? &nbsp;If you have no debt, no wife or kids and no loved ones you still must be buried or cremated. &nbsp;You should at least have enough insurance or funds set aside for that!]]></content:encoded>
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		<title>Answer on Is Life Insurance Protected From Creditors? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/is-life-insurance-protected-from-creditors#answer_7393</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 21 Jun 2013 11:44:16 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/is-life-insurance-protected-from-creditors#answer_7393</guid>
		<description><![CDATA[In most cases yes, a creditor cannot touch your Life insurance policy or the cash value in your policy.  As long as their is a named beneficiary a Life Insurance policy will avoid probate so again, the creditor will not be able to touch the money.  If the proceeds are left to the estate however, probate gets involved so the creditors may have a claim after final expenses are paid.]]></description>
		<content:encoded><![CDATA[In most cases yes, a creditor cannot touch your Life insurance policy or the cash value in your policy.  As long as their is a named beneficiary a Life Insurance policy will avoid probate so again, the creditor will not be able to touch the money.  If the proceeds are left to the estate however, probate gets involved so the creditors may have a claim after final expenses are paid.]]></content:encoded>
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		<title>Answer on How Important Is It To Have Health Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/how-important-is-it-to-have-health-insurance#answer_7389</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 21 Jun 2013 11:29:33 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/how-important-is-it-to-have-health-insurance#answer_7389</guid>
		<description><![CDATA[When you are healthy you have a natural tendency to feel that insurance is a waste of money.  But if you are involved in an accident or have to go to the hospital for surgery and receive a hospital bill of $30,000 or more, which is not an exaggeration, you will quickly find out the need for health insurance.  Without health insurance the hospital must treat you, but unless you have the financial ability to private pay, they will only get you stabilized and send you home.  Unless you qualify for Medicaid you need health insurance.  Under the Affordable Care Act you will be required to have health insurance or be penalized.]]></description>
		<content:encoded><![CDATA[When you are healthy you have a natural tendency to feel that insurance is a waste of money.  But if you are involved in an accident or have to go to the hospital for surgery and receive a hospital bill of $30,000 or more, which is not an exaggeration, you will quickly find out the need for health insurance.  Without health insurance the hospital must treat you, but unless you have the financial ability to private pay, they will only get you stabilized and send you home.  Unless you qualify for Medicaid you need health insurance.  Under the Affordable Care Act you will be required to have health insurance or be penalized.]]></content:encoded>
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		<title>Answer on When Do Kids Need Car Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/when-do-kids-need-car-insurance#answer_7388</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 21 Jun 2013 11:23:17 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/when-do-kids-need-car-insurance#answer_7388</guid>
		<description><![CDATA[Your child needs to be insured as soon as he or she receives their license.  While driving with a temporary permit they will be covered.  Once they receive their license you need to add them to your policy or have them purchase their own.  It is usually less expensive if you add them to your policy.  Check with your agent for laws in your State and the best way for your child to be insured.]]></description>
		<content:encoded><![CDATA[Your child needs to be insured as soon as he or she receives their license.  While driving with a temporary permit they will be covered.  Once they receive their license you need to add them to your policy or have them purchase their own.  It is usually less expensive if you add them to your policy.  Check with your agent for laws in your State and the best way for your child to be insured.]]></content:encoded>
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		<title>Answer on Does Home Insurance Include Fire Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/does-home-insurance-include-fire-insurance#answer_7387</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 21 Jun 2013 11:18:58 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/does-home-insurance-include-fire-insurance#answer_7387</guid>
		<description><![CDATA[Homeowners insurance is Fire Insurance and more.  Homeowners Insurance covers a variety of perils.  Many will cover any peril that is not specifically excluded in your policy.  Most common perils covered are Fire, Hail, Wind, Lightening, Vandalism, and Theft.  Your Homeowners Insurance also protects you for Liability if someone is hurt on your property and you are engaged in a Lawsuit.]]></description>
		<content:encoded><![CDATA[Homeowners insurance is Fire Insurance and more.  Homeowners Insurance covers a variety of perils.  Many will cover any peril that is not specifically excluded in your policy.  Most common perils covered are Fire, Hail, Wind, Lightening, Vandalism, and Theft.  Your Homeowners Insurance also protects you for Liability if someone is hurt on your property and you are engaged in a Lawsuit.]]></content:encoded>
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		<title>Answer on When Is The Right Time To Buy Long Term Care Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/long-term-care-insurance/when-is-the-right-time-to-buy-long-term-care-insurance#answer_7386</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 21 Jun 2013 11:11:34 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/long-term-care-insurance/when-is-the-right-time-to-buy-long-term-care-insurance#answer_7386</guid>
		<description><![CDATA[The younger the better.  Purchasing Long Term Care in your 40&#039;s and healthy will be much less expensive than if you wait until you are in your 60&#039;s.  Your money may pay for it but it is your health that buys it.  Many people wait until it is too late.  They wait until they cannot qualify due to health issues or the premium becomes unaffordable.]]></description>
		<content:encoded><![CDATA[The younger the better.  Purchasing Long Term Care in your 40's and healthy will be much less expensive than if you wait until you are in your 60's.  Your money may pay for it but it is your health that buys it.  Many people wait until it is too late.  They wait until they cannot qualify due to health issues or the premium becomes unaffordable.]]></content:encoded>
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		<title>Answer on Is Long Term Care Insurance Regulated? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/long-term-care-insurance/is-long-term-care-insurance-regulated#answer_7385</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 21 Jun 2013 11:07:27 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/long-term-care-insurance/is-long-term-care-insurance-regulated#answer_7385</guid>
		<description><![CDATA[All Insurance companies are regulated by the NAIC (National Association of Insurance Commissioners) and the State.  There are also some Federal Guidelines for Qualified Long Term Care Plans.  Insurance Companies plans must be approved by the State Insurance Department before being sold in that State.  Any rate changes must also be approved.]]></description>
		<content:encoded><![CDATA[All Insurance companies are regulated by the NAIC (National Association of Insurance Commissioners) and the State.  There are also some Federal Guidelines for Qualified Long Term Care Plans.  Insurance Companies plans must be approved by the State Insurance Department before being sold in that State.  Any rate changes must also be approved.]]></content:encoded>
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	<item>
		<title>Answer on Does Auto Insurance Cover Flat Tires? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/does-auto-insurance-cover-flat-tires#answer_7384</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 21 Jun 2013 11:02:56 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/does-auto-insurance-cover-flat-tires#answer_7384</guid>
		<description><![CDATA[No, auto insurance is not designed as a maintenance policy.  You can get towing and labor on your policy that would cover you if you need emergency road service but it is not going to pay to fix your flat tire or replace your tire.  It will pay for towing your car to the garage or labor in changing your tire if you have a spare.]]></description>
		<content:encoded><![CDATA[No, auto insurance is not designed as a maintenance policy.  You can get towing and labor on your policy that would cover you if you need emergency road service but it is not going to pay to fix your flat tire or replace your tire.  It will pay for towing your car to the garage or labor in changing your tire if you have a spare.]]></content:encoded>
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		<title>Answer on Does Health Insurance Cover Chiropractic Care? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/does-health-insurance-cover-chiropractic-care#answer_7382</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 21 Jun 2013 10:52:20 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/does-health-insurance-cover-chiropractic-care#answer_7382</guid>
		<description><![CDATA[Many Health Insurance companies will cover spinal manipulation and x-rays done by Chiropractors.  Some other services offered by Chiropractors such as Nutritional Counseling or other services may not be covered.  You need to check your policy or call your agent to see what your policy covers when it comes to Chiropractic.]]></description>
		<content:encoded><![CDATA[Many Health Insurance companies will cover spinal manipulation and x-rays done by Chiropractors.  Some other services offered by Chiropractors such as Nutritional Counseling or other services may not be covered.  You need to check your policy or call your agent to see what your policy covers when it comes to Chiropractic.]]></content:encoded>
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		<title>Answer on Where Do You Buy Disability Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/disability-insurance/where-do-you-buy-disability-insurance#answer_7325</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 20 Jun 2013 11:58:36 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/disability-insurance/where-do-you-buy-disability-insurance#answer_7325</guid>
		<description><![CDATA[Any good experienced insurance agent knowledgeable in disability insurance should be able to help you apply.  Find a good independent agent in your area who represents multiple companies.  The agent will help you find a company that will fit your individual circumstances. The best way to find an agent would be to search the internet for a local disability income insurance agent or check your local Yellow Pages.]]></description>
		<content:encoded><![CDATA[Any good experienced insurance agent knowledgeable in disability insurance should be able to help you apply.  Find a good independent agent in your area who represents multiple companies.  The agent will help you find a company that will fit your individual circumstances. The best way to find an agent would be to search the internet for a local disability income insurance agent or check your local Yellow Pages.]]></content:encoded>
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		<title>Answer on How Do You Set Up Annuities? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/annuities/how-do-you-set-up-annuities#answer_7323</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 20 Jun 2013 11:48:33 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/annuities/how-do-you-set-up-annuities#answer_7323</guid>
		<description><![CDATA[You will need to contact a good insurance agent who is familiar with annuities and can offer a multitude of companies.  The agent can examine your needs, goals and personal circumstances and help determine if an annuity is suitable for you, and if so help direct you to an annuity that fits your circumstances.  The agent will then help you apply.]]></description>
		<content:encoded><![CDATA[You will need to contact a good insurance agent who is familiar with annuities and can offer a multitude of companies.  The agent can examine your needs, goals and personal circumstances and help determine if an annuity is suitable for you, and if so help direct you to an annuity that fits your circumstances.  The agent will then help you apply.]]></content:encoded>
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		<title>Answer on What Is A Medicare Voucher System? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/what-is-a-medicare-voucher-system#answer_7322</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 20 Jun 2013 11:43:31 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/what-is-a-medicare-voucher-system#answer_7322</guid>
		<description><![CDATA[Some members of Congress are promoting a Medicare Voucher System that would provide vouchers to Medicare eligible recipients and allow them to purchase insurance from a private company.  The theory behind this is that it will promote competition and rates will go down.  It will also, according to proponents, save the Government money since they no longer will have to administer claims.  Whether this will come to pass is anybodies guess at this point.]]></description>
		<content:encoded><![CDATA[Some members of Congress are promoting a Medicare Voucher System that would provide vouchers to Medicare eligible recipients and allow them to purchase insurance from a private company.  The theory behind this is that it will promote competition and rates will go down.  It will also, according to proponents, save the Government money since they no longer will have to administer claims.  Whether this will come to pass is anybodies guess at this point.]]></content:encoded>
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		<title>Answer on What Is A 30 Year Term Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-is-a-30-year-term-life-insurance#answer_7321</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 20 Jun 2013 11:35:25 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-is-a-30-year-term-life-insurance#answer_7321</guid>
		<description><![CDATA[Just what it says, it is a term life insurance policy that will expire in 30 years.  After 30 years, you will either have to renew the policy at a higher rate if it is renewable or convert the policy to a permanent plan such as whole life if it is convertible.]]></description>
		<content:encoded><![CDATA[Just what it says, it is a term life insurance policy that will expire in 30 years.  After 30 years, you will either have to renew the policy at a higher rate if it is renewable or convert the policy to a permanent plan such as whole life if it is convertible.]]></content:encoded>
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		<title>Answer on What Does A Life Insurance Urine Test Look For? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-does-a-life-insurance-urine-test-look-for#answer_7320</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 20 Jun 2013 11:32:26 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-does-a-life-insurance-urine-test-look-for#answer_7320</guid>
		<description><![CDATA[Primarily drugs and nicotine.  They will also screen for any other abnormalities that could affect your health depending on the amount of the policy.  Insurance companies do this to insure that they rate the policy properly.  Life insurance rates are based on average mortality, in other words, your expected life span.  Since tobacco and drug use have an adverse effect on your life span, companies charge an extra premium to compensate.]]></description>
		<content:encoded><![CDATA[Primarily drugs and nicotine.  They will also screen for any other abnormalities that could affect your health depending on the amount of the policy.  Insurance companies do this to insure that they rate the policy properly.  Life insurance rates are based on average mortality, in other words, your expected life span.  Since tobacco and drug use have an adverse effect on your life span, companies charge an extra premium to compensate.]]></content:encoded>
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		<title>Answer on What Is A Flexible Premium Life Insurance Policy? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-is-a-flexible-premium-life-insurance-policy#answer_7319</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 20 Jun 2013 11:27:32 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-is-a-flexible-premium-life-insurance-policy#answer_7319</guid>
		<description><![CDATA[A flexible premium life is also called Universal Life.  It is a hybrid of term insurance with a built in cash feature that accumulates interest.  It is called flexible premium because technically there is no set premium, unlike Whole Life or Term.  You can put as much in it as you want if you would like the cash value feature to grow, or as little as you want, even skip premiums as long as there is enough in the cash fund to pay for the term insurance component.]]></description>
		<content:encoded><![CDATA[A flexible premium life is also called Universal Life.  It is a hybrid of term insurance with a built in cash feature that accumulates interest.  It is called flexible premium because technically there is no set premium, unlike Whole Life or Term.  You can put as much in it as you want if you would like the cash value feature to grow, or as little as you want, even skip premiums as long as there is enough in the cash fund to pay for the term insurance component.]]></content:encoded>
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		<title>Answer on Can I Buy Long Term Care Insurance For My Mother? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/long-term-care-insurance/can-i-buy-long-term-care-insurance-for-my-mother#answer_7317</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 20 Jun 2013 10:26:30 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/long-term-care-insurance/can-i-buy-long-term-care-insurance-for-my-mother#answer_7317</guid>
		<description><![CDATA[Technically you can pay for it as long as she agree&#039;s and signs the application.  She will also need to qualify.  If she is in good health there should be no problem.  The premium will be based on her age.  Sit down with an agent knowledgeable in Care Resource Planning and determine the best plan of action in planning for the care of your mother when she needs it most.]]></description>
		<content:encoded><![CDATA[Technically you can pay for it as long as she agree's and signs the application.  She will also need to qualify.  If she is in good health there should be no problem.  The premium will be based on her age.  Sit down with an agent knowledgeable in Care Resource Planning and determine the best plan of action in planning for the care of your mother when she needs it most.]]></content:encoded>
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		<title>Answer on What Does Long Term Care Insurance Cover? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/long-term-care-insurance/what-does-long-term-care-insurance-cover#answer_7247</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 19 Jun 2013 11:52:40 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/long-term-care-insurance/what-does-long-term-care-insurance-cover#answer_7247</guid>
		<description><![CDATA[A lot depends on your policy.  A good Long Term Care policy will cover not only Nursing Home, but also Assisted Living and Home Health Care.  Many will even pay a family member to care for your needs.  To begin receiving benefits you must be unable to perform at least 2 or 3 activities of daily living depending on your policy.  You policy will pay for the length of time and the amount specified in the policy, I usually recommend at least 3 to 5 years of coverage.  This is the average Nursing Home stay for Long Term custodial care.]]></description>
		<content:encoded><![CDATA[A lot depends on your policy.  A good Long Term Care policy will cover not only Nursing Home, but also Assisted Living and Home Health Care.  Many will even pay a family member to care for your needs.  To begin receiving benefits you must be unable to perform at least 2 or 3 activities of daily living depending on your policy.  You policy will pay for the length of time and the amount specified in the policy, I usually recommend at least 3 to 5 years of coverage.  This is the average Nursing Home stay for Long Term custodial care.]]></content:encoded>
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		<title>Answer on When Does My Health Insurance End When I Quit My Job? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/when-does-my-health-insurance-end-when-i-quit-my-job#answer_7245</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 19 Jun 2013 11:41:29 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/when-does-my-health-insurance-end-when-i-quit-my-job#answer_7245</guid>
		<description><![CDATA[It depends on the company you work for.  Some companies will cover you for the remainder of the month, some you insurance ends right away.  Your company is required to provide you with a certificate of creditable coverage and offer COBRA which will allow you to continue coverage for a period of time on a self pay basis.]]></description>
		<content:encoded><![CDATA[It depends on the company you work for.  Some companies will cover you for the remainder of the month, some you insurance ends right away.  Your company is required to provide you with a certificate of creditable coverage and offer COBRA which will allow you to continue coverage for a period of time on a self pay basis.]]></content:encoded>
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		<title>Answer on What Happens To My Insurance When I Sell My Car? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/what-happens-to-my-insurance-when-i-sell-my-car#answer_7244</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 19 Jun 2013 11:37:39 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/what-happens-to-my-insurance-when-i-sell-my-car#answer_7244</guid>
		<description><![CDATA[If you purchased another car just call your agent and have the insurance transferred to the new car.  Otherwise if you sold your car and are not planning on driving, then cancel the insurance.  The insurance company will return any unused premium.  Obviously you cannot insure a car that you no longer have.  If you are planning on driving you need to talk to your agent about getting liability coverage or in many states you will lose your license for driving without insurance, even though you do not own a car.  Liability protects you from law suit in the event of an accident and has very little to do with vehicle ownership.]]></description>
		<content:encoded><![CDATA[If you purchased another car just call your agent and have the insurance transferred to the new car.  Otherwise if you sold your car and are not planning on driving, then cancel the insurance.  The insurance company will return any unused premium.  Obviously you cannot insure a car that you no longer have.  If you are planning on driving you need to talk to your agent about getting liability coverage or in many states you will lose your license for driving without insurance, even though you do not own a car.  Liability protects you from law suit in the event of an accident and has very little to do with vehicle ownership.]]></content:encoded>
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		<title>Answer on How Will Healthcare Reform Affect Medicare? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/how-will-healthcare-reform-affect-medicare#answer_7243</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 19 Jun 2013 11:30:08 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/how-will-healthcare-reform-affect-medicare#answer_7243</guid>
		<description><![CDATA[I do not see a major impact short term.  There have been talks of cutting some reimbursements to providers or extending the age to qualify to age 66.  Without a crystal ball it is difficult to say exactly what any kind of Medicare reform will look like, but most of that is due to the financial state of Medicare, not specifically to the Affordable Care Act.]]></description>
		<content:encoded><![CDATA[I do not see a major impact short term.  There have been talks of cutting some reimbursements to providers or extending the age to qualify to age 66.  Without a crystal ball it is difficult to say exactly what any kind of Medicare reform will look like, but most of that is due to the financial state of Medicare, not specifically to the Affordable Care Act.]]></content:encoded>
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		<title>Answer on Can You Cancel Life Insurance At Any Time? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/can-you-cancel-life-insurance-at-any-time#answer_7242</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 19 Jun 2013 11:23:26 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/can-you-cancel-life-insurance-at-any-time#answer_7242</guid>
		<description><![CDATA[Yes you can cancel life insurance at any time, there is no contract that requires that you keep the policy.  There are situations where the courts in divorce situations have required a parent to carry life insurance until the child reaches a certain age, but this is a civil requirement not contractual.]]></description>
		<content:encoded><![CDATA[Yes you can cancel life insurance at any time, there is no contract that requires that you keep the policy.  There are situations where the courts in divorce situations have required a parent to carry life insurance until the child reaches a certain age, but this is a civil requirement not contractual.]]></content:encoded>
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		<title>Answer on How Much Disability Insurance Should I Buy? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/disability-insurance/how-much-disability-insurance-should-i-buy#answer_7241</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 19 Jun 2013 11:20:36 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/disability-insurance/how-much-disability-insurance-should-i-buy#answer_7241</guid>
		<description><![CDATA[I would purchase the maximum amount allowed by law, which is about 70% or 80% of your income.  You cannot purchase more than that because companies and regulators feel that it would lend itself to abuse, after all if you are making more staying home than working what incentive do you have to return to work.]]></description>
		<content:encoded><![CDATA[I would purchase the maximum amount allowed by law, which is about 70% or 80% of your income.  You cannot purchase more than that because companies and regulators feel that it would lend itself to abuse, after all if you are making more staying home than working what incentive do you have to return to work.]]></content:encoded>
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		<title>Answer on What Are The Functions Of Disability Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/disability-insurance/what-are-the-functions-of-disability-insurance#answer_7240</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 19 Jun 2013 11:16:23 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/disability-insurance/what-are-the-functions-of-disability-insurance#answer_7240</guid>
		<description><![CDATA[I am not sure what you mean by &quot;functions&quot;.  Disability insurance is designed to pay a percentage of your income, usually between 60% and 80% if you become disabled due to an injury or accident.  You choose an elimination period which acts as a deductible.  The elimination period is the period of time that goes by after you become disabled before the insurance begins to pay.  The longer the elimination period the lower the premium.  Each company has options as far as the elimination period, most common for Short Term disability might seven days sickness and zero days accident but this can vary according to circumstances.  Short Term disability will provide income for the period of time specified in the policy, usually not more than a year or two, but again, that varies.]]></description>
		<content:encoded><![CDATA[I am not sure what you mean by "functions".  Disability insurance is designed to pay a percentage of your income, usually between 60% and 80% if you become disabled due to an injury or accident.  You choose an elimination period which acts as a deductible.  The elimination period is the period of time that goes by after you become disabled before the insurance begins to pay.  The longer the elimination period the lower the premium.  Each company has options as far as the elimination period, most common for Short Term disability might seven days sickness and zero days accident but this can vary according to circumstances.  Short Term disability will provide income for the period of time specified in the policy, usually not more than a year or two, but again, that varies.]]></content:encoded>
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		<title>Answer on Does My Health Insurance Cover Gastric Bypass? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/does-my-health-insurance-cover-gastric-bypass#answer_7239</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 19 Jun 2013 11:08:21 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/does-my-health-insurance-cover-gastric-bypass#answer_7239</guid>
		<description><![CDATA[It might depending on the reason for the Gastric Bypass.  Most companies will only pay for any procedure if it is medically necessary.  If the Gastric Bypass is more cosmetic and is used simply for a weight loss strategy then if may not be covered.  Check with your insurance company or have your doctor do so before agreeing to the surgery.]]></description>
		<content:encoded><![CDATA[It might depending on the reason for the Gastric Bypass.  Most companies will only pay for any procedure if it is medically necessary.  If the Gastric Bypass is more cosmetic and is used simply for a weight loss strategy then if may not be covered.  Check with your insurance company or have your doctor do so before agreeing to the surgery.]]></content:encoded>
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		<title>Answer on How Do I Plan For My Retirement? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/retirement-plans/how-do-i-plan-for-my-retirement#answer_7174</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 18 Jun 2013 11:49:45 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/retirement-plans/how-do-i-plan-for-my-retirement#answer_7174</guid>
		<description><![CDATA[The best thing you can do is sit down with a financial adviser or retirement planner and determine a game plan based on your individual situation.  Put together a plan and stick to that plan.  Each person is different and has different goals, objectives, and circumstances.  Select someone knowledgeable in the use of not only investments but insurance as vehicles for a well rounded plan.]]></description>
		<content:encoded><![CDATA[The best thing you can do is sit down with a financial adviser or retirement planner and determine a game plan based on your individual situation.  Put together a plan and stick to that plan.  Each person is different and has different goals, objectives, and circumstances.  Select someone knowledgeable in the use of not only investments but insurance as vehicles for a well rounded plan.]]></content:encoded>
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		<title>Answer on Is Life Insurance A Good Retirement Plan? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/retirement-plans/is-life-insurance-a-good-retirement-plan#answer_7173</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 18 Jun 2013 11:44:08 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/retirement-plans/is-life-insurance-a-good-retirement-plan#answer_7173</guid>
		<description><![CDATA[I would not rely on Life Insurance as my only retirement plan.  Life insurance can be used to protect your plan if you die too soon and the cash value can be used in retirement planning to provide additional income, but life insurance is not an investment and is not designed to be your only source of retirement funding.]]></description>
		<content:encoded><![CDATA[I would not rely on Life Insurance as my only retirement plan.  Life insurance can be used to protect your plan if you die too soon and the cash value can be used in retirement planning to provide additional income, but life insurance is not an investment and is not designed to be your only source of retirement funding.]]></content:encoded>
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		<title>Answer on Who Doesn Need Long Term Care Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/long-term-care-insurance/who-doesn-need-long-term-care-insurance#answer_7172</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 18 Jun 2013 11:38:13 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/long-term-care-insurance/who-doesn-need-long-term-care-insurance#answer_7172</guid>
		<description><![CDATA[If you do not have an estate to protect then you may not need Long Term Care.  If you can qualify for Medicaid or a Medicaid waiver program then you do not need long term care. If you do not mind spending down all you have worked for during your life to go on Medicaid then you do not need long term care.  

 If you have an estate you want to pass to your heirs, loved ones you want to protect from the burdens of caring for you when you become sick and can no longer care for yourself then you do need long term care insurance.  If you want choices on where you are cared for then you need long term care.]]></description>
		<content:encoded><![CDATA[If you do not have an estate to protect then you may not need Long Term Care.  If you can qualify for Medicaid or a Medicaid waiver program then you do not need long term care. If you do not mind spending down all you have worked for during your life to go on Medicaid then you do not need long term care.  

 If you have an estate you want to pass to your heirs, loved ones you want to protect from the burdens of caring for you when you become sick and can no longer care for yourself then you do need long term care insurance.  If you want choices on where you are cared for then you need long term care.]]></content:encoded>
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		<title>Answer on Why Is Permanent Life Insurance Bad? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/why-is-permanent-life-insurance-bad#answer_7170</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 18 Jun 2013 11:24:03 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/why-is-permanent-life-insurance-bad#answer_7170</guid>
		<description><![CDATA[Permanent Life Insurance is not bad.  There are some who look at life insurance as an investment and compared to investments permanent insurance will not have the gains an investment may have.  Permanent Life Insurance has been used to help protect large estate, provide final expenses, and insure business continuation.  Life Insurance is not an investment it was never meant to be an investment.  Permanent life insurance is designed for long term need and provides a safe secure way to provide protection when it is needed most.]]></description>
		<content:encoded><![CDATA[Permanent Life Insurance is not bad.  There are some who look at life insurance as an investment and compared to investments permanent insurance will not have the gains an investment may have.  Permanent Life Insurance has been used to help protect large estate, provide final expenses, and insure business continuation.  Life Insurance is not an investment it was never meant to be an investment.  Permanent life insurance is designed for long term need and provides a safe secure way to provide protection when it is needed most.]]></content:encoded>
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		<title>Answer on When Is Open Enrollment For Medigap? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/when-is-open-enrollment-for-medigap#answer_7168</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 18 Jun 2013 11:01:17 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/when-is-open-enrollment-for-medigap#answer_7168</guid>
		<description><![CDATA[Unlike Medicare Advantage Plans, Open Enrollment for Medicare Supplements vary by State.  Generally most States have a six month Open Enrollment Period after Turning 65 to enroll in a Medicare Supplement on a Guaranteed Issue basis.   After your Open Enrollment Period you will be able to change your Medicare Supplement at any time subject to the companies underwriting requirements, meaning you must qualify health wise.  Keep in mind you will also need to pick up a Prescription Drug Plan (Medicare Part D).  The Initial Election Period for Medicare Part D is three months before, the month of and three months after you turn 65.]]></description>
		<content:encoded><![CDATA[Unlike Medicare Advantage Plans, Open Enrollment for Medicare Supplements vary by State.  Generally most States have a six month Open Enrollment Period after Turning 65 to enroll in a Medicare Supplement on a Guaranteed Issue basis.   After your Open Enrollment Period you will be able to change your Medicare Supplement at any time subject to the companies underwriting requirements, meaning you must qualify health wise.  Keep in mind you will also need to pick up a Prescription Drug Plan (Medicare Part D).  The Initial Election Period for Medicare Part D is three months before, the month of and three months after you turn 65.]]></content:encoded>
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		<title>Answer on Can I Take Out A Loan On My Life Insurance Policy? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/can-i-take-out-a-loan-on-my-life-insurance-policy#answer_7167</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 18 Jun 2013 10:33:55 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/can-i-take-out-a-loan-on-my-life-insurance-policy#answer_7167</guid>
		<description><![CDATA[Yes as long as there is loan value in the policy.  A life insurance cash value is divided into two parts, the Surrender Value and the Loan value.  The Surrender Value is the money you would receive if you cash in or surrender your policy.  The insurance is no longer in force.  The Loan value is the amount of money you cn loan on the policy.  The insurance remains in force and if death occurs the loan amount is subtracted from the death benefit.  The loan amount is sometimes different from the surrender amount due to administration charges that may be built into the policy.  You cannot borrow the full face amount of the policy.]]></description>
		<content:encoded><![CDATA[Yes as long as there is loan value in the policy.  A life insurance cash value is divided into two parts, the Surrender Value and the Loan value.  The Surrender Value is the money you would receive if you cash in or surrender your policy.  The insurance is no longer in force.  The Loan value is the amount of money you cn loan on the policy.  The insurance remains in force and if death occurs the loan amount is subtracted from the death benefit.  The loan amount is sometimes different from the surrender amount due to administration charges that may be built into the policy.  You cannot borrow the full face amount of the policy.]]></content:encoded>
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		<title>Answer on Why Do You Need Disability Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/disability-insurance/why-do-you-need-disability-insurance#answer_7117</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 17 Jun 2013 11:40:39 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/disability-insurance/why-do-you-need-disability-insurance#answer_7117</guid>
		<description><![CDATA[If you were injured in an accident or had a debilitating illness that prevented you from working, how long can you go without a paycheck?  How will you pay your bills?  How will you pay for your health insurance?  Most people do not have enough in savings to pay the bills in the event of an extended illness.  If they do, chances are it will come at the expense of the kids college fund or retirement savings.]]></description>
		<content:encoded><![CDATA[If you were injured in an accident or had a debilitating illness that prevented you from working, how long can you go without a paycheck?  How will you pay your bills?  How will you pay for your health insurance?  Most people do not have enough in savings to pay the bills in the event of an extended illness.  If they do, chances are it will come at the expense of the kids college fund or retirement savings.]]></content:encoded>
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		<title>Answer on Does Life Insurance Cover Everything? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/does-life-insurance-cover-everything#answer_7116</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 17 Jun 2013 11:36:17 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/does-life-insurance-cover-everything#answer_7116</guid>
		<description><![CDATA[If by everything you mean every cause of death then in most cases the answer is yes.  There are a couple of exceptions.  If you commit suicide in the first two years of the policy then you will not be covered.  If you lied on the application and die within the first two years then you will not be covered.  Some policies exclude act of war or death while committing a crime.]]></description>
		<content:encoded><![CDATA[If by everything you mean every cause of death then in most cases the answer is yes.  There are a couple of exceptions.  If you commit suicide in the first two years of the policy then you will not be covered.  If you lied on the application and die within the first two years then you will not be covered.  Some policies exclude act of war or death while committing a crime.]]></content:encoded>
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		<title>Answer on How Much Does Weight Affect Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/how-much-does-weight-affect-life-insurance#answer_7115</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 17 Jun 2013 11:32:07 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/how-much-does-weight-affect-life-insurance#answer_7115</guid>
		<description><![CDATA[Weight can make a big difference on your rate.  Insurance companies base preferred rating on a healthy person of normal weight.  The further you deviate from that ideal, the higher your rate will be until you can be forced into a guaranteed issue plan.  Statistics show that overweight people have a higher risk of mortality.  Insurance companies adjust their rates accordingly.]]></description>
		<content:encoded><![CDATA[Weight can make a big difference on your rate.  Insurance companies base preferred rating on a healthy person of normal weight.  The further you deviate from that ideal, the higher your rate will be until you can be forced into a guaranteed issue plan.  Statistics show that overweight people have a higher risk of mortality.  Insurance companies adjust their rates accordingly.]]></content:encoded>
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		<title>Answer on How Does A Health Insurance Exchange Work? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/how-does-a-health-insurance-exchange-work#answer_7113</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 17 Jun 2013 11:20:48 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/how-does-a-health-insurance-exchange-work#answer_7113</guid>
		<description><![CDATA[Under the Affordable Care Act, Exchanges or the new term Marketplaces will be set up online by either the State or Federal Government.  You will be able to select one of the plans within the exchange.  There will be four plans to choose from.  If you qualify you may select from one of these plans and receive a subsidy.  You may also go to a private Exchange or take out a plan from an individual Health Insurance provider if you choose to purchase outside of the exchange.]]></description>
		<content:encoded><![CDATA[Under the Affordable Care Act, Exchanges or the new term Marketplaces will be set up online by either the State or Federal Government.  You will be able to select one of the plans within the exchange.  There will be four plans to choose from.  If you qualify you may select from one of these plans and receive a subsidy.  You may also go to a private Exchange or take out a plan from an individual Health Insurance provider if you choose to purchase outside of the exchange.]]></content:encoded>
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		<title>Answer on Can Life Insurance Go Into Probate? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/can-life-insurance-go-into-probate#answer_7112</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 17 Jun 2013 11:14:22 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/can-life-insurance-go-into-probate#answer_7112</guid>
		<description><![CDATA[Life Insurance will usually avoid probate as long as the funds are left to a neamed beneficiary. If the proceeds are left to the Estate then the funds will go into Probate.  This is why it is important to review your policies every couple years.  I have seen incidences where the beneficiary passed on before the insured.  The beneficiary was not changed therefor the funds went to the estate thus probate was involved.]]></description>
		<content:encoded><![CDATA[Life Insurance will usually avoid probate as long as the funds are left to a neamed beneficiary. If the proceeds are left to the Estate then the funds will go into Probate.  This is why it is important to review your policies every couple years.  I have seen incidences where the beneficiary passed on before the insured.  The beneficiary was not changed therefor the funds went to the estate thus probate was involved.]]></content:encoded>
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		<title>Answer on Can I Cancel Term Life Insurance At Any Time? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/can-i-cancel-term-life-insurance-at-any-time#answer_7111</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 17 Jun 2013 11:10:56 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/can-i-cancel-term-life-insurance-at-any-time#answer_7111</guid>
		<description><![CDATA[You can cancel any life insurance at any time.  No one can force you to carry life insurance.  Just call your company and tell them you no longer want the policy.  This may not to be to your advantage, however, so make sure you know what you are doing.  Life insurance is something you pay for with your money but it is your good health that will get you the best rates.  If your health turns bad you may not be able to afford a new policy.]]></description>
		<content:encoded><![CDATA[You can cancel any life insurance at any time.  No one can force you to carry life insurance.  Just call your company and tell them you no longer want the policy.  This may not to be to your advantage, however, so make sure you know what you are doing.  Life insurance is something you pay for with your money but it is your good health that will get you the best rates.  If your health turns bad you may not be able to afford a new policy.]]></content:encoded>
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		<title>Answer on Can I Switch From One Medigap Policy To Another? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/can-i-switch-from-one-medigap-policy-to-another#answer_7109</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 17 Jun 2013 10:45:27 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/can-i-switch-from-one-medigap-policy-to-another#answer_7109</guid>
		<description><![CDATA[Yes, you can switch Medigap policies whenever you want, there are no restrictions.  You will have to medically qualify however so be cautious and make sure you are approved for the new policy before dropping your old one.  Do not just go by rates.  While it is true that Medigap policies are standardized and offer the same coverage, there are some companies that offer a very low rate and within a year or two the rates increase as high as 40% or more.  Make sure you select a plan that has a stable rate history unless you like changing plans every year or two.]]></description>
		<content:encoded><![CDATA[Yes, you can switch Medigap policies whenever you want, there are no restrictions.  You will have to medically qualify however so be cautious and make sure you are approved for the new policy before dropping your old one.  Do not just go by rates.  While it is true that Medigap policies are standardized and offer the same coverage, there are some companies that offer a very low rate and within a year or two the rates increase as high as 40% or more.  Make sure you select a plan that has a stable rate history unless you like changing plans every year or two.]]></content:encoded>
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		<title>Answer on Does Homeowners Insurance Cover Medical Bills? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/does-homeowners-insurance-cover-medical-bills#answer_7108</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 17 Jun 2013 10:38:44 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/does-homeowners-insurance-cover-medical-bills#answer_7108</guid>
		<description><![CDATA[If you have a guest visiting and that guest falls or is injured the Medical Pay portion of your policy will pay that persons Medical bills up to the limit of the Med pay portion of the policy, usually between $1000 and $5000 depending on your policy.  This helps prevent law suite.  Homeowners does not cover residents of the household and is not health insurance.]]></description>
		<content:encoded><![CDATA[If you have a guest visiting and that guest falls or is injured the Medical Pay portion of your policy will pay that persons Medical bills up to the limit of the Med pay portion of the policy, usually between $1000 and $5000 depending on your policy.  This helps prevent law suite.  Homeowners does not cover residents of the household and is not health insurance.]]></content:encoded>
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		<title>Answer on Does Homeowners Insurance Cover A Shed? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/does-homeowners-insurance-cover-a-shed#answer_7087</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 16 Jun 2013 12:06:46 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/does-homeowners-insurance-cover-a-shed#answer_7087</guid>
		<description><![CDATA[Most policies cover other structures including a shed, garage or barn for the same perils as the home.  The amount of coverage is usually around 10% of the dwelling, so a home insured for $100,000 would have coverage on the shed of about $10,000.  Evey company has minor differences so make sure you check you policy or ask your agent to review the particulars of your policy.]]></description>
		<content:encoded><![CDATA[Most policies cover other structures including a shed, garage or barn for the same perils as the home.  The amount of coverage is usually around 10% of the dwelling, so a home insured for $100,000 would have coverage on the shed of about $10,000.  Evey company has minor differences so make sure you check you policy or ask your agent to review the particulars of your policy.]]></content:encoded>
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		<title>Answer on Which Is Better Term Or Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/which-is-better-term-or-life-insurance#answer_7085</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 16 Jun 2013 11:55:57 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/which-is-better-term-or-life-insurance#answer_7085</guid>
		<description><![CDATA[I am assuming you mean Whole Life Insurance.  Term insurance is life insurance.  Term insurance is pure insurance.  There is no cash value and it is in force for a limited amount of time, the term of the policy.  A one year term must be renewed after one year, five year term after five years and so on.  Each term period renewal the premium will go up based on the persons age at renewal.  Eventually term insurance becomes unaffordable.
Whole Life is designed to be in force until you die.  The premiums never go up because they are averaged out over a persons expected lifetime.  As a result, initially the premium is higher than term insurance.  The excess premium is invested and a cash value fund is built into the policy.  Whole life is designed for permanent needs.  Term insurance for temporary needs.]]></description>
		<content:encoded><![CDATA[I am assuming you mean Whole Life Insurance.  Term insurance is life insurance.  Term insurance is pure insurance.  There is no cash value and it is in force for a limited amount of time, the term of the policy.  A one year term must be renewed after one year, five year term after five years and so on.  Each term period renewal the premium will go up based on the persons age at renewal.  Eventually term insurance becomes unaffordable.
Whole Life is designed to be in force until you die.  The premiums never go up because they are averaged out over a persons expected lifetime.  As a result, initially the premium is higher than term insurance.  The excess premium is invested and a cash value fund is built into the policy.  Whole life is designed for permanent needs.  Term insurance for temporary needs.]]></content:encoded>
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		<title>Answer on Does Allstate Do Home Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/does-allstate-do-home-insurance#answer_7027</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 15 Jun 2013 11:59:08 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/does-allstate-do-home-insurance#answer_7027</guid>
		<description><![CDATA[It depends on the State you live in.  Allstate does offer homeowners insurance in most states.  They have chosen not to offer homeowners in States where the losses have been too great to sustain.  This is true with many companies.  Allstate has Auto, Home, and Life insurance.  While Allstate is a very good company,it always pays to shop around with your local independent agent before applying to make sure you are getting the best rate.]]></description>
		<content:encoded><![CDATA[It depends on the State you live in.  Allstate does offer homeowners insurance in most states.  They have chosen not to offer homeowners in States where the losses have been too great to sustain.  This is true with many companies.  Allstate has Auto, Home, and Life insurance.  While Allstate is a very good company,it always pays to shop around with your local independent agent before applying to make sure you are getting the best rate.]]></content:encoded>
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		<title>Answer on What Is Human Life Value In Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-is-human-life-value-in-insurance#answer_7025</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 15 Jun 2013 11:49:14 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-is-human-life-value-in-insurance#answer_7025</guid>
		<description><![CDATA[Simply put, your Human Life Value is the amount of income you will be expected to earn in your lifetime.  A person earning $100,000 per year over a 30 year period, for example, would have an approximate Human Life Value of $3,000.000.  So if that person wanted to protect his entire Human Life Value, he would need $3,000,000 in life insurance.]]></description>
		<content:encoded><![CDATA[Simply put, your Human Life Value is the amount of income you will be expected to earn in your lifetime.  A person earning $100,000 per year over a 30 year period, for example, would have an approximate Human Life Value of $3,000.000.  So if that person wanted to protect his entire Human Life Value, he would need $3,000,000 in life insurance.]]></content:encoded>
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		<title>Answer on Can You Cash Out Annuities? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/annuities/can-you-cash-out-annuities#answer_7023</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 15 Jun 2013 11:43:11 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/annuities/can-you-cash-out-annuities#answer_7023</guid>
		<description><![CDATA[You can cash surrender Annuities however before you do so check with your tax adviser.  If you surrender an annuity before age 591/2 you may be penalized.  This can be substantial especially if it is a qualified plan.  There may also be other tax issues involved.  Annuities are designed for long term savings for retirement.  While they are a sound safe way to accumulate money on a tax friendly basis, you must follow the rules.  Even CD&#039;s have penalties for early withdrawals.]]></description>
		<content:encoded><![CDATA[You can cash surrender Annuities however before you do so check with your tax adviser.  If you surrender an annuity before age 591/2 you may be penalized.  This can be substantial especially if it is a qualified plan.  There may also be other tax issues involved.  Annuities are designed for long term savings for retirement.  While they are a sound safe way to accumulate money on a tax friendly basis, you must follow the rules.  Even CD's have penalties for early withdrawals.]]></content:encoded>
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		<title>Answer on Will Medicare Pay For A Handicap Ramp? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/will-medicare-pay-for-a-handicap-ramp#answer_7022</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 15 Jun 2013 11:37:45 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/will-medicare-pay-for-a-handicap-ramp#answer_7022</guid>
		<description><![CDATA[Unfortunately the answer to that question is no.  Medicare only covers hospital and doctors and medically necessary items.  A wheel chair ramp is not considered durable medical equipment.  If you qualify for Medicaid or Medicaid waiver it is possible to have the wheelchair ramp built with approval by Medicaid and your case worker.]]></description>
		<content:encoded><![CDATA[Unfortunately the answer to that question is no.  Medicare only covers hospital and doctors and medically necessary items.  A wheel chair ramp is not considered durable medical equipment.  If you qualify for Medicaid or Medicaid waiver it is possible to have the wheelchair ramp built with approval by Medicaid and your case worker.]]></content:encoded>
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		<title>Answer on Can You Negotiate Health Insurance Rates? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/can-you-negotiate-health-insurance-rates#answer_7021</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 15 Jun 2013 11:32:00 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/can-you-negotiate-health-insurance-rates#answer_7021</guid>
		<description><![CDATA[No! &#160;Each company files their rates with the State and must be approved by the State. &#160;No agent or internet entity can offer you a discount or reduce the rates when you are comparing the same policy with the same company. It is illegal for an agent to induce purchase by offering a rebate on premium. &#160;Many internet companies providing quotes on their web site provide preferred rates when quoting. &#160;The fact is however that when a person applies for coverage, the company will determine the final rate. &#160;So if a person does not qualify for preferred rates, the rate he or she actually receives will be higher than quoted.]]></description>
		<content:encoded><![CDATA[No! &nbsp;Each company files their rates with the State and must be approved by the State. &nbsp;No agent or internet entity can offer you a discount or reduce the rates when you are comparing the same policy with the same company. It is illegal for an agent to induce purchase by offering a rebate on premium. &nbsp;Many internet companies providing quotes on their web site provide preferred rates when quoting. &nbsp;The fact is however that when a person applies for coverage, the company will determine the final rate. &nbsp;So if a person does not qualify for preferred rates, the rate he or she actually receives will be higher than quoted.]]></content:encoded>
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		<title>Answer on Is Homeowners Insurance The Same As Fire Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/is-homeowners-insurance-the-same-as-fire-insurance#answer_7020</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 15 Jun 2013 11:25:35 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/is-homeowners-insurance-the-same-as-fire-insurance#answer_7020</guid>
		<description><![CDATA[Yes and no.  Homeowners insurance protects you from fire, windstorm, hail, and a multitude of other perils.  It also covers you for liability, theft, and medical payments if someone is injured on your property.  A basic Fire policy is a form of Homeowners insurance but it is much more limited in its coverage.]]></description>
		<content:encoded><![CDATA[Yes and no.  Homeowners insurance protects you from fire, windstorm, hail, and a multitude of other perils.  It also covers you for liability, theft, and medical payments if someone is injured on your property.  A basic Fire policy is a form of Homeowners insurance but it is much more limited in its coverage.]]></content:encoded>
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		<title>Answer on Is Whole Life Insurance A Good Retirement Investment? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/is-whole-life-insurance-a-good-retirement-investment#answer_7019</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 15 Jun 2013 11:20:41 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/is-whole-life-insurance-a-good-retirement-investment#answer_7019</guid>
		<description><![CDATA[Life Insurance is not an investment!  If you are saving for retirement then you want to look at other sources.  Don&#039;t neglect the value of the Whole Life policy however.  Whole Life can be a valuable part of the whole portfolio.  It protects your family if you die too soon or become disabled and cannot fulfill your retirement goals.  It is a valuable tool in estate and retirement planning.]]></description>
		<content:encoded><![CDATA[Life Insurance is not an investment!  If you are saving for retirement then you want to look at other sources.  Don't neglect the value of the Whole Life policy however.  Whole Life can be a valuable part of the whole portfolio.  It protects your family if you die too soon or become disabled and cannot fulfill your retirement goals.  It is a valuable tool in estate and retirement planning.]]></content:encoded>
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		<title>Answer on What Does It Mean To Be The Beneficiary Of A Life Insurance Policy? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-does-it-mean-to-be-the-beneficiary-of-a-life-insurance-policy#answer_7018</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 15 Jun 2013 11:13:58 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-does-it-mean-to-be-the-beneficiary-of-a-life-insurance-policy#answer_7018</guid>
		<description><![CDATA[The beneficiary of a life insurance policy is the person who receives the money in the event of the insureds death.  Technically the beneficiary can do anything they want with the money.  Life insurance proceeds are generally not taxable, (some exceptions may apply depending on the size of the estate) and avoid probate as long as the Estate is not the named beneficiary.]]></description>
		<content:encoded><![CDATA[The beneficiary of a life insurance policy is the person who receives the money in the event of the insureds death.  Technically the beneficiary can do anything they want with the money.  Life insurance proceeds are generally not taxable, (some exceptions may apply depending on the size of the estate) and avoid probate as long as the Estate is not the named beneficiary.]]></content:encoded>
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		<title>Answer on Is Medicare Different From State To State? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/is-medicare-different-from-state-to-state#answer_7016</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 15 Jun 2013 11:01:23 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/is-medicare-different-from-state-to-state#answer_7016</guid>
		<description><![CDATA[Not as a rule.  Medicare is a Federally funded program under the jurisdiction of the Center for Medicare and Medicaid Services or CMMS.  CMMS sets the rules and they are uniform throughout the States.  Some of the reimbursements to doctors may differ based on the area and health care costs in that area but that has no real effect on the Medicare recipient.]]></description>
		<content:encoded><![CDATA[Not as a rule.  Medicare is a Federally funded program under the jurisdiction of the Center for Medicare and Medicaid Services or CMMS.  CMMS sets the rules and they are uniform throughout the States.  Some of the reimbursements to doctors may differ based on the area and health care costs in that area but that has no real effect on the Medicare recipient.]]></content:encoded>
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		<title>Answer on Does Universal Life Insurance Have Cash Value? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/does-universal-life-insurance-have-cash-value#answer_7015</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 15 Jun 2013 10:55:30 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/does-universal-life-insurance-have-cash-value#answer_7015</guid>
		<description><![CDATA[Because of the way Universal Life works the answer to that question is usually yes but not always.  Unlike Whole Life which has a set premium and is thus able to offer guaranteed cash values, a Universal Life policy does not have a set premium, the premium is flexible.  You can add more to the policy or pay less into the policy.  As long as your premium pays the expense charges and cost of insurance each year you will maintain your insurance.The problem with this is that these charges go up each year and eventually, like term, become unaffordable.  That is why you must always put more into the policy than just the basic costs.  A Universal Life has a Target Premium, meaning that if you put that amount into the policy it should be in good shape and there will be cash value.  The more you put in, the greater the cash value.]]></description>
		<content:encoded><![CDATA[Because of the way Universal Life works the answer to that question is usually yes but not always.  Unlike Whole Life which has a set premium and is thus able to offer guaranteed cash values, a Universal Life policy does not have a set premium, the premium is flexible.  You can add more to the policy or pay less into the policy.  As long as your premium pays the expense charges and cost of insurance each year you will maintain your insurance.The problem with this is that these charges go up each year and eventually, like term, become unaffordable.  That is why you must always put more into the policy than just the basic costs.  A Universal Life has a Target Premium, meaning that if you put that amount into the policy it should be in good shape and there will be cash value.  The more you put in, the greater the cash value.]]></content:encoded>
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		<title>Answer on When Is Health Insurance Tax Deductible? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/when-is-health-insurance-tax-deductible#answer_7014</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 15 Jun 2013 10:47:26 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/when-is-health-insurance-tax-deductible#answer_7014</guid>
		<description><![CDATA[Generally a self employed person is able to deduct health insurance if he or she pays the premium.  There are other circumstances where health insurance can be deductible, such as a person paying there own premium and is able to file long form itemizing deductions.  Tax laws change so be sure to check with your tax adviser.]]></description>
		<content:encoded><![CDATA[Generally a self employed person is able to deduct health insurance if he or she pays the premium.  There are other circumstances where health insurance can be deductible, such as a person paying there own premium and is able to file long form itemizing deductions.  Tax laws change so be sure to check with your tax adviser.]]></content:encoded>
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		<title>Answer on Is Critical Illness Insurance A Waste Of Money? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/critical-illness-insurance/is-critical-illness-insurance-a-waste-of-money#answer_6966</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 14 Jun 2013 13:02:41 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/critical-illness-insurance/is-critical-illness-insurance-a-waste-of-money#answer_6966</guid>
		<description><![CDATA[I had a client in his 40&#039;s who had a Sroke.&#160; He was unable to work.&#160; He had health insurance at work which payed some of the Medical but he still had deductibles and copay&#039;s that mounted into the thousands of dollars.&#160; He needed additional help while his wife worked to try to make up for the lost income.&#160; He nearly lost his home while he was waiting to get Social Security Disability.&#160; Do you think an additional $10,000 or $20, 000 would have help him?&#160; Some critical illness policies have a return of premium option.&#160; There is nothing to lose and everthing to gain with a Critical Illness policy and they are not real expensive. Yes, I think they are worth it!]]></description>
		<content:encoded><![CDATA[I had a client in his 40's who had a Sroke.&nbsp; He was unable to work.&nbsp; He had health insurance at work which payed some of the Medical but he still had deductibles and copay's that mounted into the thousands of dollars.&nbsp; He needed additional help while his wife worked to try to make up for the lost income.&nbsp; He nearly lost his home while he was waiting to get Social Security Disability.&nbsp; Do you think an additional $10,000 or $20, 000 would have help him?&nbsp; Some critical illness policies have a return of premium option.&nbsp; There is nothing to lose and everthing to gain with a Critical Illness policy and they are not real expensive. Yes, I think they are worth it!]]></content:encoded>
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		<title>Answer on Does Home Insurance Cover Spoiled Food? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/does-home-insurance-cover-spoiled-food#answer_6957</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 14 Jun 2013 11:07:00 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/does-home-insurance-cover-spoiled-food#answer_6957</guid>
		<description><![CDATA[If the food spoilage is a result of a covered peril then yes the food would be covered in most cases.  For example, a major windstorm causes a power outage for an extended period of time.  As long as reasonable efforts were made to conserve the food it would most likely be covered subject to your deductible.  Since most people carry a $500 or $1000 deductible it may not be to your advantage to turn in a claim if that is all that is lost.  Most people do not have that much spoilable food in their refrigerator and freezer.]]></description>
		<content:encoded><![CDATA[If the food spoilage is a result of a covered peril then yes the food would be covered in most cases.  For example, a major windstorm causes a power outage for an extended period of time.  As long as reasonable efforts were made to conserve the food it would most likely be covered subject to your deductible.  Since most people carry a $500 or $1000 deductible it may not be to your advantage to turn in a claim if that is all that is lost.  Most people do not have that much spoilable food in their refrigerator and freezer.]]></content:encoded>
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		<title>Answer on Can I Drive Any Car With Comprehensive Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/can-i-drive-any-car-with-comprehensive-insurance#answer_6955</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 14 Jun 2013 10:52:50 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/can-i-drive-any-car-with-comprehensive-insurance#answer_6955</guid>
		<description><![CDATA[Comprehensive coverage applies to damage to your vehicle for anything other than a collision.  Some examples would be hail damage, animal strikes, windshield breakage, or vandalism.  Auto insurance is divided into the Liability portion and the damage to your auto portion.  Liability is what many states require and what you need to drive another car.  Collision and Comprehensive may cover another car only in certain circumstances such as temporarily renting a vehicle.  Usually to have Comprehensive coverage you would also have liability coverage as well unless you are storing your vehicl.  If you are going to drive the vehicle or any vehicle you need to carry liability.]]></description>
		<content:encoded><![CDATA[Comprehensive coverage applies to damage to your vehicle for anything other than a collision.  Some examples would be hail damage, animal strikes, windshield breakage, or vandalism.  Auto insurance is divided into the Liability portion and the damage to your auto portion.  Liability is what many states require and what you need to drive another car.  Collision and Comprehensive may cover another car only in certain circumstances such as temporarily renting a vehicle.  Usually to have Comprehensive coverage you would also have liability coverage as well unless you are storing your vehicl.  If you are going to drive the vehicle or any vehicle you need to carry liability.]]></content:encoded>
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		<title>Answer on Can Addicts Get Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/can-addicts-get-life-insurance#answer_6952</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 14 Jun 2013 10:35:26 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/can-addicts-get-life-insurance#answer_6952</guid>
		<description><![CDATA[Depending on the addiction you can but you may have to go to a guaranteed Issue policy.  Not knowing the addictions and details it is hard to give a definitive answer.  Are you still taking the substance or have been clean for a period of time?  Is it Marijuana, pain pills, alcohol or crack cocaine?  The answer to those questions could make a difference.]]></description>
		<content:encoded><![CDATA[Depending on the addiction you can but you may have to go to a guaranteed Issue policy.  Not knowing the addictions and details it is hard to give a definitive answer.  Are you still taking the substance or have been clean for a period of time?  Is it Marijuana, pain pills, alcohol or crack cocaine?  The answer to those questions could make a difference.]]></content:encoded>
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		<title>Answer on Does Car Leasing Include Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/does-car-leasing-include-insurance#answer_6951</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 14 Jun 2013 10:30:53 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/does-car-leasing-include-insurance#answer_6951</guid>
		<description><![CDATA[No, not usually.  When you lease a car you will be required to purchase Auto Insurance with certain minimum limits depending on the leasing company.  In my area they require at least $300,000 liability limits for example.  The company you lease from will inform you what is required in your situation.]]></description>
		<content:encoded><![CDATA[No, not usually.  When you lease a car you will be required to purchase Auto Insurance with certain minimum limits depending on the leasing company.  In my area they require at least $300,000 liability limits for example.  The company you lease from will inform you what is required in your situation.]]></content:encoded>
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		<title>Answer on Does Car Insurance Cover Uhaul Rental? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/does-auto-insurance-cover-uhaul-rental-2#answer_6950</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 14 Jun 2013 10:27:28 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/does-auto-insurance-cover-uhaul-rental-2#answer_6950</guid>
		<description><![CDATA[Your car insurance will cover you for liability but it may not cover damage to the Uhaul if you are in an accident or damage the truck.  Check with your local agent or company to be sure that your policy covers the truck and to what extent.  It only costs about $14 to purchase the extra insurance from Uhaul and it will cover any damage you do the truck with just a couple exceptions.]]></description>
		<content:encoded><![CDATA[Your car insurance will cover you for liability but it may not cover damage to the Uhaul if you are in an accident or damage the truck.  Check with your local agent or company to be sure that your policy covers the truck and to what extent.  It only costs about $14 to purchase the extra insurance from Uhaul and it will cover any damage you do the truck with just a couple exceptions.]]></content:encoded>
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		<title>Answer on How Long Does It Take To Get Auto Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/how-long-does-it-take-to-get-auto-insurance#answer_6948</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 14 Jun 2013 10:12:53 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/how-long-does-it-take-to-get-auto-insurance#answer_6948</guid>
		<description><![CDATA[As long as it takes to go online or drive to your local independent agents office and apply.  You will have coverage as soon as you pay your premium.  An agent is not permitted to back date a policy and the date and time of the application is recorded.  Do not wait until you get a ticket or have an accident to pick up auto insurance.]]></description>
		<content:encoded><![CDATA[As long as it takes to go online or drive to your local independent agents office and apply.  You will have coverage as soon as you pay your premium.  An agent is not permitted to back date a policy and the date and time of the application is recorded.  Do not wait until you get a ticket or have an accident to pick up auto insurance.]]></content:encoded>
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		<title>Answer on What Services Are Covered Under Medicare Part A? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/what-services-are-covered-under-medicare-part-a#answer_6947</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 14 Jun 2013 10:09:24 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/what-services-are-covered-under-medicare-part-a#answer_6947</guid>
		<description><![CDATA[Medicare Part A covers your hospital charges such as room and board and some other hospital administered lab work and services.  Part B covers doctor visits and out patient lab work.  When you enter the hospital you will have a $1184 deductible for your hospital charges.  If you are in the hospital more than 60 days you will pay $296 each day from day 61 thru day 90.  Hospital stays beyond 90 days puts you in your Lifetime Reserve days.  From day 91 through day 150 you wil pay $592 each day.  Once you use all of your lifetime reserve days you pay 100% of hospital charges during that benefit period.  Once used you no longer have your lifetime reserve days.]]></description>
		<content:encoded><![CDATA[Medicare Part A covers your hospital charges such as room and board and some other hospital administered lab work and services.  Part B covers doctor visits and out patient lab work.  When you enter the hospital you will have a $1184 deductible for your hospital charges.  If you are in the hospital more than 60 days you will pay $296 each day from day 61 thru day 90.  Hospital stays beyond 90 days puts you in your Lifetime Reserve days.  From day 91 through day 150 you wil pay $592 each day.  Once you use all of your lifetime reserve days you pay 100% of hospital charges during that benefit period.  Once used you no longer have your lifetime reserve days.]]></content:encoded>
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		<title>Answer on Does Private Health Insurance Cover An MRI? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/does-private-health-insurance-cover-an-mri#answer_6946</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 14 Jun 2013 09:58:35 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/does-private-health-insurance-cover-an-mri#answer_6946</guid>
		<description><![CDATA[In most cases an MRI will be covered under a Major Medical policy as long as it is a medically necessary diagnostic procedure.  There may be some limitations so check with your insurance company to be sure you know the specifics to your policy as to any deductibles and copay&#039;s and preferred facilities to have the test ran.]]></description>
		<content:encoded><![CDATA[In most cases an MRI will be covered under a Major Medical policy as long as it is a medically necessary diagnostic procedure.  There may be some limitations so check with your insurance company to be sure you know the specifics to your policy as to any deductibles and copay's and preferred facilities to have the test ran.]]></content:encoded>
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		<title>Answer on How To Determine If You Need Long Term Care Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/long-term-care-insurance/how-to-determine-if-you-need-long-term-care-insurance#answer_6814</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 12 Jun 2013 11:08:50 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/long-term-care-insurance/how-to-determine-if-you-need-long-term-care-insurance#answer_6814</guid>
		<description><![CDATA[Ask yourself these questions: &#160;Do you own your home? &#160;Do I want to pass it to my family? &#160;What about my other assets? &#160;If I had to go to a nursing home do I want to have to spend down my assets to qualify for Medicaid? &#160;What will my family do if this happens? &#160;Proper planning can help insure that when your time comes that you need care your family will not have to suffer the burden of taking care of your personal needs. &#160;Help will be available to allow you to stay at home rather than being forced into a nursing home and losing all your hard earned money and assets. &#160;Talk to a good Care Resource Planner familiar with not only Long Term Care Insurance, but also Medicaid, Veterans Benefits, and other sources that could save you literally thousands of dollars.]]></description>
		<content:encoded><![CDATA[Ask yourself these questions: &nbsp;Do you own your home? &nbsp;Do I want to pass it to my family? &nbsp;What about my other assets? &nbsp;If I had to go to a nursing home do I want to have to spend down my assets to qualify for Medicaid? &nbsp;What will my family do if this happens? &nbsp;Proper planning can help insure that when your time comes that you need care your family will not have to suffer the burden of taking care of your personal needs. &nbsp;Help will be available to allow you to stay at home rather than being forced into a nursing home and losing all your hard earned money and assets. &nbsp;Talk to a good Care Resource Planner familiar with not only Long Term Care Insurance, but also Medicaid, Veterans Benefits, and other sources that could save you literally thousands of dollars.]]></content:encoded>
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		<title>Answer on How Does Medicare Work When It Is A Secondary Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/how-does-medicare-work-when-it-is-a-secondary-insurance#answer_6813</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 12 Jun 2013 10:58:58 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/how-does-medicare-work-when-it-is-a-secondary-insurance#answer_6813</guid>
		<description><![CDATA[When Medicare is secondary then your primary will pay first.  Medicare will then pay their share of the cost. Conversely, if Medicare is Primary the opposite is true, your Medicare will pay first and your secondary pays its share afterward.   In some situations this could result in 100% of you bill being paid after each pays its share. You will not, however, get more money than the total claim in either case.]]></description>
		<content:encoded><![CDATA[When Medicare is secondary then your primary will pay first.  Medicare will then pay their share of the cost. Conversely, if Medicare is Primary the opposite is true, your Medicare will pay first and your secondary pays its share afterward.   In some situations this could result in 100% of you bill being paid after each pays its share. You will not, however, get more money than the total claim in either case.]]></content:encoded>
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		<title>Answer on Can You Go To Jail For Not Having Health Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/can-you-go-to-jail-for-not-having-health-insurance#answer_6812</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 12 Jun 2013 10:49:52 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/can-you-go-to-jail-for-not-having-health-insurance#answer_6812</guid>
		<description><![CDATA[No, under the mandate you will not go to jail.  You will be paying a penalty however that is tacked on to your income tax.  Refusal to pay taxes can result in fines or imprisonment whether it involves health insurance or not.  You have to decide whether you are going to pick up health insurance or pay the penalty.]]></description>
		<content:encoded><![CDATA[No, under the mandate you will not go to jail.  You will be paying a penalty however that is tacked on to your income tax.  Refusal to pay taxes can result in fines or imprisonment whether it involves health insurance or not.  You have to decide whether you are going to pick up health insurance or pay the penalty.]]></content:encoded>
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		<title>Answer on What Is Renters Insurance Loss Of Use? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/renters-insurance/what-is-renters-insurance-loss-of-use#answer_6811</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 12 Jun 2013 10:46:05 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/renters-insurance/what-is-renters-insurance-loss-of-use#answer_6811</guid>
		<description><![CDATA[Loss of Use for both Renters and Homeowners Insurance pays for any additional expenses incurred if you are forced to leave your home or apartment while repairs are being made.  For example, you have to pay additional housing costs because of staying in a motel, you have to eat out more because you have no place to cook your food, you have to store your salvagable furniture in a storage facility.  These type of things would be included under Loss of Use.]]></description>
		<content:encoded><![CDATA[Loss of Use for both Renters and Homeowners Insurance pays for any additional expenses incurred if you are forced to leave your home or apartment while repairs are being made.  For example, you have to pay additional housing costs because of staying in a motel, you have to eat out more because you have no place to cook your food, you have to store your salvagable furniture in a storage facility.  These type of things would be included under Loss of Use.]]></content:encoded>
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		<title>Answer on Is Long Term Care Insurance The Same As Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/long-term-care-insurance/is-long-term-care-insurance-the-same-as-life-insurance#answer_6810</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 12 Jun 2013 10:37:57 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/long-term-care-insurance/is-long-term-care-insurance-the-same-as-life-insurance#answer_6810</guid>
		<description><![CDATA[No, they serve two different functions.  That being said, some life insurance policies have available a long term care rider that will pay the premium or allow access to a percentage of the death benefit if a person is unable to perform certain activities of daily living and need some type care.  These plans are relatively new and are becoming increasingly popular.  While most are not quite as good as a true long term care policy, they do present a good option if traditional Long Term Care Insurance is not affordable.]]></description>
		<content:encoded><![CDATA[No, they serve two different functions.  That being said, some life insurance policies have available a long term care rider that will pay the premium or allow access to a percentage of the death benefit if a person is unable to perform certain activities of daily living and need some type care.  These plans are relatively new and are becoming increasingly popular.  While most are not quite as good as a true long term care policy, they do present a good option if traditional Long Term Care Insurance is not affordable.]]></content:encoded>
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		<title>Answer on What Type Of Home Care Does Medicare Cover? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/what-type-of-home-care-does-medicare-cover#answer_6809</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 12 Jun 2013 10:30:48 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/what-type-of-home-care-does-medicare-cover#answer_6809</guid>
		<description><![CDATA[Medicare is very limited on what it will pay for home care or any other type of long term care.  Medicare will only pay for skilled care after a hospitalization of three days not counting day of admission.  It will pay for an Occupational or Speech Therapist, a nurse, and other very limited services in the home on a very temporary basis.  Do not rely on Medicare for your Long Term Care needs.]]></description>
		<content:encoded><![CDATA[Medicare is very limited on what it will pay for home care or any other type of long term care.  Medicare will only pay for skilled care after a hospitalization of three days not counting day of admission.  It will pay for an Occupational or Speech Therapist, a nurse, and other very limited services in the home on a very temporary basis.  Do not rely on Medicare for your Long Term Care needs.]]></content:encoded>
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		<title>Answer on Can You Deduct Disability Insurance On Schedule C? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/disability-insurance/can-you-deduct-disability-insurance-on-schedule-c#answer_6808</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 12 Jun 2013 10:25:42 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/disability-insurance/can-you-deduct-disability-insurance-on-schedule-c#answer_6808</guid>
		<description><![CDATA[If you are self employed and paying the cost of your health and disability insurance then it may be tax deductible.  It is always good to consult your tax adviser for your individual situation however since each situation is different.  For example, some people operate a side business and file a schedule C.  Their insurance is paid through an employer.  In this case, even though they file Schedule C, the premiums they pay may not be deductible.]]></description>
		<content:encoded><![CDATA[If you are self employed and paying the cost of your health and disability insurance then it may be tax deductible.  It is always good to consult your tax adviser for your individual situation however since each situation is different.  For example, some people operate a side business and file a schedule C.  Their insurance is paid through an employer.  In this case, even though they file Schedule C, the premiums they pay may not be deductible.]]></content:encoded>
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		<title>Answer on How Does A Deductible Work In Home Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/how-does-a-deductible-work-in-home-insurance#answer_6743</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 11 Jun 2013 11:57:40 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/how-does-a-deductible-work-in-home-insurance#answer_6743</guid>
		<description><![CDATA[It works the same as any other deductible.  You must pay whatever the deductible is before the insurance company will pay.  For example, you have a $500 TV destroyed by a covered peril.  If your deductible is $1000 then it would not make sense to turn in a claim.  If you have a $20,000 loss due to a covered peril, you would be responsible for $1000 and the insurance company would pay $19000.]]></description>
		<content:encoded><![CDATA[It works the same as any other deductible.  You must pay whatever the deductible is before the insurance company will pay.  For example, you have a $500 TV destroyed by a covered peril.  If your deductible is $1000 then it would not make sense to turn in a claim.  If you have a $20,000 loss due to a covered peril, you would be responsible for $1000 and the insurance company would pay $19000.]]></content:encoded>
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		<title>Answer on What Does It Mean When A Retirement Plan Is Vested? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/retirement-plans/what-does-it-mean-when-a-retirement-plan-is-vested#answer_6739</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 11 Jun 2013 11:10:12 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/retirement-plans/what-does-it-mean-when-a-retirement-plan-is-vested#answer_6739</guid>
		<description><![CDATA[When a retirement plan is vested you have the ability to take that retirement plan with you if you leave the employer.  You now own the funds that have been vested.  Many employers contribute a set amount to your retirement plan.  After you have been with the company a set number of years all or a portion of those funds contributed by your employer become yours.]]></description>
		<content:encoded><![CDATA[When a retirement plan is vested you have the ability to take that retirement plan with you if you leave the employer.  You now own the funds that have been vested.  Many employers contribute a set amount to your retirement plan.  After you have been with the company a set number of years all or a portion of those funds contributed by your employer become yours.]]></content:encoded>
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		<title>Answer on Can I Be Forced To Get Renters Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/renters-insurance/can-i-be-forced-to-get-renters-insurance#answer_6737</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 11 Jun 2013 11:02:15 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/renters-insurance/can-i-be-forced-to-get-renters-insurance#answer_6737</guid>
		<description><![CDATA[There are no laws that I am aware of that require Renters Insurance.  Your landlord, however,  has the legal right to require that you carry Renters Insurance as a condition of the lease, since he owns the property.  If the insurance is required in the lease and you fail to comply then the landlord has the right to evict you for breach of contract.]]></description>
		<content:encoded><![CDATA[There are no laws that I am aware of that require Renters Insurance.  Your landlord, however,  has the legal right to require that you carry Renters Insurance as a condition of the lease, since he owns the property.  If the insurance is required in the lease and you fail to comply then the landlord has the right to evict you for breach of contract.]]></content:encoded>
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		<title>Answer on Can I Get Insurance On A Car I Don&#8217;t Own? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/can-i-get-insurance-on-a-car-i-dont-own#answer_6736</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 11 Jun 2013 10:58:29 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/can-i-get-insurance-on-a-car-i-dont-own#answer_6736</guid>
		<description><![CDATA[Yes, if you drive the car regularly then you want to get a Non-Owned auto policy.  This is common for example if an elderly parent who does not drive owns the car but you use the car.  Talk to a good local independent agent to find a competitive auto insurance plan that will meet your needs.]]></description>
		<content:encoded><![CDATA[Yes, if you drive the car regularly then you want to get a Non-Owned auto policy.  This is common for example if an elderly parent who does not drive owns the car but you use the car.  Talk to a good local independent agent to find a competitive auto insurance plan that will meet your needs.]]></content:encoded>
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		<title>Answer on Can Health Insurance Cover Breast Implants? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/can-health-insurance-cover-breast-implants#answer_6735</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 11 Jun 2013 10:54:18 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/can-health-insurance-cover-breast-implants#answer_6735</guid>
		<description><![CDATA[Health insurance does not generally cover cosmetic surgery, so if the reason for the implant is just breast enhancement then no it would not usually be covered.  If the reason for the implant is reconstructive in nature due to a covered illness or accident then the implants may be covered.]]></description>
		<content:encoded><![CDATA[Health insurance does not generally cover cosmetic surgery, so if the reason for the implant is just breast enhancement then no it would not usually be covered.  If the reason for the implant is reconstructive in nature due to a covered illness or accident then the implants may be covered.]]></content:encoded>
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		<title>Answer on What Does Medicare Part D Pay For? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/what-does-medicare-part-d-pay-for#answer_6734</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 11 Jun 2013 10:50:56 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/what-does-medicare-part-d-pay-for#answer_6734</guid>
		<description><![CDATA[Medicare Part D is your prescription drug plan.  It is administered by private insurance companies under the supervision of CMS (Medicare).  Medicare sets minimum requirements that all insurance companies must follow.  The companies determine which drugs they will include in their Formulary of drugs that they will cover.  When you select a prescription drug plan make sure that all of your drugs are covered.  Even if you have to pay a little higher premium, the cost of certain drugs can often be far greater than the additional premium to have that drug covered.]]></description>
		<content:encoded><![CDATA[Medicare Part D is your prescription drug plan.  It is administered by private insurance companies under the supervision of CMS (Medicare).  Medicare sets minimum requirements that all insurance companies must follow.  The companies determine which drugs they will include in their Formulary of drugs that they will cover.  When you select a prescription drug plan make sure that all of your drugs are covered.  Even if you have to pay a little higher premium, the cost of certain drugs can often be far greater than the additional premium to have that drug covered.]]></content:encoded>
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		<title>Answer on Can Someone On Disability Get Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/disability-insurance/can-someone-on-disability-get-life-insurance#answer_6731</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 11 Jun 2013 10:36:25 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/disability-insurance/can-someone-on-disability-get-life-insurance#answer_6731</guid>
		<description><![CDATA[Yes you can get life insurance, you just will not be able to get the disability waiver of premium rider.  The type of policy, premium, and face amount might depend on the reason for your disability.  You could get anywhere from Standard or even Preferred Rates to having to go with a higher premium Guaranteed Issue policy]]></description>
		<content:encoded><![CDATA[Yes you can get life insurance, you just will not be able to get the disability waiver of premium rider.  The type of policy, premium, and face amount might depend on the reason for your disability.  You could get anywhere from Standard or even Preferred Rates to having to go with a higher premium Guaranteed Issue policy]]></content:encoded>
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		<title>Answer on Can I Have Two Annuities? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/annuities/can-i-have-two-annuities#answer_6730</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 11 Jun 2013 10:32:24 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/annuities/can-i-have-two-annuities#answer_6730</guid>
		<description><![CDATA[You can have as many annuities as you want as long as they meet suitability requirements.  Never tie up all of your funds into any long term investment or savings vehicle.  Maintain a liquid account for emergencies.  Keep in mind that annuities are designed for long term savings, primarily retirement funding.  If you need to surrender an annuity prior to age 59 and 1/2 there may be tax penalties.  Also most annuities have surrender charges if funds are taken out too soon.  Before purchasing an annuity check the length of time the surrender charges apply and make sure you find them acceptable and appropriate for your needs.]]></description>
		<content:encoded><![CDATA[You can have as many annuities as you want as long as they meet suitability requirements.  Never tie up all of your funds into any long term investment or savings vehicle.  Maintain a liquid account for emergencies.  Keep in mind that annuities are designed for long term savings, primarily retirement funding.  If you need to surrender an annuity prior to age 59 and 1/2 there may be tax penalties.  Also most annuities have surrender charges if funds are taken out too soon.  Before purchasing an annuity check the length of time the surrender charges apply and make sure you find them acceptable and appropriate for your needs.]]></content:encoded>
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		<title>Answer on Where To Buy Whole Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/where-to-buy-whole-life-insurance#answer_6656</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 10 Jun 2013 10:48:42 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/where-to-buy-whole-life-insurance#answer_6656</guid>
		<description><![CDATA[Whole Life Insurance is best purchased from a local agent who can sit down with you, look at your individual situation and recommend a plan that will fit your personal needs.  While you can purchase insurance through the mail or online, that is not necessarily in your best interest. A good agent can provide council, advice, and service that can be invaluable.  Since insurance rates are filed with the state, you do not get a discount by purchasing the same plan over the internet compared to purchasing from an agent.]]></description>
		<content:encoded><![CDATA[Whole Life Insurance is best purchased from a local agent who can sit down with you, look at your individual situation and recommend a plan that will fit your personal needs.  While you can purchase insurance through the mail or online, that is not necessarily in your best interest. A good agent can provide council, advice, and service that can be invaluable.  Since insurance rates are filed with the state, you do not get a discount by purchasing the same plan over the internet compared to purchasing from an agent.]]></content:encoded>
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		<title>Answer on What Health Insurance Pays For Gym Membership? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/what-health-insurance-pays-for-gym-membership#answer_6655</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 10 Jun 2013 10:40:54 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/what-health-insurance-pays-for-gym-membership#answer_6655</guid>
		<description><![CDATA[If you are on Medicare and have a Medicare Advantage Plan it will be much easier to find a plan that pays for Gym membership.  Depending on the area you live in, Most Medicare Advantage Plans offers this benefit.  I am not aware of an under 65 health plan that offers Gym membership although some may offer discounts.]]></description>
		<content:encoded><![CDATA[If you are on Medicare and have a Medicare Advantage Plan it will be much easier to find a plan that pays for Gym membership.  Depending on the area you live in, Most Medicare Advantage Plans offers this benefit.  I am not aware of an under 65 health plan that offers Gym membership although some may offer discounts.]]></content:encoded>
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		<title>Answer on How Does Social Security Fit In My Retirement Plan? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/retirement-plans/how-does-social-security-fit-in-my-retirement-plan#answer_6654</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 10 Jun 2013 10:33:39 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/retirement-plans/how-does-social-security-fit-in-my-retirement-plan#answer_6654</guid>
		<description><![CDATA[Social Security can be a very important component of your retirement plan. &#160;Determining when to begin taking your Social Security, the amount you receive and your personal savings and investments will determine the income you will have available when you retire. &#160;A good retirement planner can save you thousands of dollars.]]></description>
		<content:encoded><![CDATA[Social Security can be a very important component of your retirement plan. &nbsp;Determining when to begin taking your Social Security, the amount you receive and your personal savings and investments will determine the income you will have available when you retire. &nbsp;A good retirement planner can save you thousands of dollars.]]></content:encoded>
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		<title>Answer on Can You Borrow Money From Renters Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/renters-insurance/can-you-borrow-money-from-renters-insurance#answer_6653</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 10 Jun 2013 10:28:46 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/renters-insurance/can-you-borrow-money-from-renters-insurance#answer_6653</guid>
		<description><![CDATA[No Renters Insurance does not have cash value.  Renters Insurance is designed to replace your personal property in the event of a covered loss subject to a deductible.  There is no savings feature that would provide for any type of loan.  The policy will provide cash for additional living expenses if you must leave your apartment due to a covered loss.]]></description>
		<content:encoded><![CDATA[No Renters Insurance does not have cash value.  Renters Insurance is designed to replace your personal property in the event of a covered loss subject to a deductible.  There is no savings feature that would provide for any type of loan.  The policy will provide cash for additional living expenses if you must leave your apartment due to a covered loss.]]></content:encoded>
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		<title>Answer on What Is The Elimination Period For Short Term Disability Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/disability-insurance/what-is-the-elimination-period-for-short-term-disability-insurance#answer_6652</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 10 Jun 2013 10:22:44 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/disability-insurance/what-is-the-elimination-period-for-short-term-disability-insurance#answer_6652</guid>
		<description><![CDATA[The elimination period acts as a deductible.  When you purchase your policy you will select your elimination period for sickness and accident.  The longer your elimination period the lower your premium.  The elimination period is the amount of time that you will wait and draw from savings until the policy begins to pay.]]></description>
		<content:encoded><![CDATA[The elimination period acts as a deductible.  When you purchase your policy you will select your elimination period for sickness and accident.  The longer your elimination period the lower your premium.  The elimination period is the amount of time that you will wait and draw from savings until the policy begins to pay.]]></content:encoded>
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		<title>Answer on Who Can Claim Private Health Insurance Rebate? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/who-can-claim-private-health-insurance-rebate#answer_6651</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 10 Jun 2013 10:16:57 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/who-can-claim-private-health-insurance-rebate#answer_6651</guid>
		<description><![CDATA[Beginning in October, open enrollment will begin.  You will have a choice between a private or public exchange now called marketplaces.  Government subsidies will be based on income.  The higher your income the lower the subsidy until you finally will be full pay.  Go to the Kaiser Foundation website for a subsidy calculator that will tell you if you will qualify and how much you can expect.]]></description>
		<content:encoded><![CDATA[Beginning in October, open enrollment will begin.  You will have a choice between a private or public exchange now called marketplaces.  Government subsidies will be based on income.  The higher your income the lower the subsidy until you finally will be full pay.  Go to the Kaiser Foundation website for a subsidy calculator that will tell you if you will qualify and how much you can expect.]]></content:encoded>
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		<title>Answer on When Is Medicare Open Enrollment Period? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/when-is-medicare-open-enrollment-period#answer_6632</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 09 Jun 2013 23:50:56 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/when-is-medicare-open-enrollment-period#answer_6632</guid>
		<description><![CDATA[Medicare Open Enrollment Period is October 15th through December 7th. &#160;During this period you can change your Medicare Advantage Plan or Part D Prescription Drug Plan. &#160;The only other time you can make changes would be during your Initial Enrollment Period when you first become eligible for Medicare or during a Special Election Period spelled out by Medicare.]]></description>
		<content:encoded><![CDATA[Medicare Open Enrollment Period is October 15th through December 7th. &nbsp;During this period you can change your Medicare Advantage Plan or Part D Prescription Drug Plan. &nbsp;The only other time you can make changes would be during your Initial Enrollment Period when you first become eligible for Medicare or during a Special Election Period spelled out by Medicare.]]></content:encoded>
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		<title>Answer on Can People On Disability Get Medicare? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/can-people-on-disability-get-medicare#answer_6629</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 09 Jun 2013 23:42:05 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/can-people-on-disability-get-medicare#answer_6629</guid>
		<description><![CDATA[If you qualify for Social Security Disability and are disabled for two years you will qualify for Medicare.  I have many clients on Medicare and Social Security Disability.  The key here is Social Security Disability.  If you are collecting on a private disability policy and you are not yet on Social Security Disability then you can not get Medicare.]]></description>
		<content:encoded><![CDATA[If you qualify for Social Security Disability and are disabled for two years you will qualify for Medicare.  I have many clients on Medicare and Social Security Disability.  The key here is Social Security Disability.  If you are collecting on a private disability policy and you are not yet on Social Security Disability then you can not get Medicare.]]></content:encoded>
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		<title>Answer on Is A Whole Life Insurance Policy A Good Investment? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/is-a-whole-life-insurance-policy-a-good-investment#answer_6628</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 09 Jun 2013 23:37:10 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/is-a-whole-life-insurance-policy-a-good-investment#answer_6628</guid>
		<description><![CDATA[Whole Life insurance is not an investment, it is a way to provide an immediate estate and a systematic way to save money in a very tax favorable way.  Whole life provides a sound foundation for a good investment portfolio.  The amount of the Whole Life would depend on your personal goals and financial situation.  While buy term and invest the difference is a great idea, the reality is that most people who buy term never follow through on investing the difference.  Life happens, emergencies come up and the money that was to be invested gets used for other things.  This is fact based on statistics.  If you want to invest, invest.  If you want insurance that will be there when you will need it most, buy Whole Life insurance.  Never put all your eggs in one basket.  A base of Whole Life with added term insurance for your life insurance needs and sound investments to top off the portfolio is a safe sound way to accumulate cash for retirement and providing for final expense and a legacy for your family]]></description>
		<content:encoded><![CDATA[Whole Life insurance is not an investment, it is a way to provide an immediate estate and a systematic way to save money in a very tax favorable way.  Whole life provides a sound foundation for a good investment portfolio.  The amount of the Whole Life would depend on your personal goals and financial situation.  While buy term and invest the difference is a great idea, the reality is that most people who buy term never follow through on investing the difference.  Life happens, emergencies come up and the money that was to be invested gets used for other things.  This is fact based on statistics.  If you want to invest, invest.  If you want insurance that will be there when you will need it most, buy Whole Life insurance.  Never put all your eggs in one basket.  A base of Whole Life with added term insurance for your life insurance needs and sound investments to top off the portfolio is a safe sound way to accumulate cash for retirement and providing for final expense and a legacy for your family]]></content:encoded>
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	<item>
		<title>Answer on What Is Joint Whole Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-is-joint-whole-life-insurance#answer_6582</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 09 Jun 2013 12:37:01 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-is-joint-whole-life-insurance#answer_6582</guid>
		<description><![CDATA[Joint Whole Life is a policy that covers two people on the same policy.  The policy will pay when the first party dies.  The surviving party then has the right to purchase another policy regardless of insurability.  Another form of Joint life is a last to die.  The policy is scheduled to pay at the last insured death.  While there are some advantages to joint life, my experience has been that they can be a nightmare at times, particularly in the case of a joint life on a husband and wife going through a divorce.  Because of the volatile nature of divorce situations having two people get together to divide the policy into two individual contracts can be a touchy situation.  My preference in most situations is two separate policies.]]></description>
		<content:encoded><![CDATA[Joint Whole Life is a policy that covers two people on the same policy.  The policy will pay when the first party dies.  The surviving party then has the right to purchase another policy regardless of insurability.  Another form of Joint life is a last to die.  The policy is scheduled to pay at the last insured death.  While there are some advantages to joint life, my experience has been that they can be a nightmare at times, particularly in the case of a joint life on a husband and wife going through a divorce.  Because of the volatile nature of divorce situations having two people get together to divide the policy into two individual contracts can be a touchy situation.  My preference in most situations is two separate policies.]]></content:encoded>
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		<title>Answer on What Is The Difference Between Universal And Whole Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-is-the-difference-between-universal-and-whole-life-insurance#answer_6581</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 09 Jun 2013 12:26:48 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-is-the-difference-between-universal-and-whole-life-insurance#answer_6581</guid>
		<description><![CDATA[Whole life insurance has a specified premium that never goes up, a specified death benefit that will not expire unless the policy lapses or you die or surrender the policy, and guaranteed cash value build up.  Universal life has flexible premiums, you can vary the amount you put into the plan.  It has a flexible death benefit, you can decrease the amount of insurance or increase the amount of insurance without having to take out a new policy.  Because the premiums are flexible there is no guaranteed cash value.  Most will have a guaranteed interest rate on any cash value.  The danger with a Universal Life is under funding the contract.  Because you are not locked into a set premium and there is an interest component that is not guaranteed, if the insured fails to put enough in the contract and the cost of insurance becomes greater than the cash value the policy will expire.  It is important to make sure you properly fund your Universal life.  Whole life has better guarantees than Universal life and less risk.]]></description>
		<content:encoded><![CDATA[Whole life insurance has a specified premium that never goes up, a specified death benefit that will not expire unless the policy lapses or you die or surrender the policy, and guaranteed cash value build up.  Universal life has flexible premiums, you can vary the amount you put into the plan.  It has a flexible death benefit, you can decrease the amount of insurance or increase the amount of insurance without having to take out a new policy.  Because the premiums are flexible there is no guaranteed cash value.  Most will have a guaranteed interest rate on any cash value.  The danger with a Universal Life is under funding the contract.  Because you are not locked into a set premium and there is an interest component that is not guaranteed, if the insured fails to put enough in the contract and the cost of insurance becomes greater than the cash value the policy will expire.  It is important to make sure you properly fund your Universal life.  Whole life has better guarantees than Universal life and less risk.]]></content:encoded>
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		<title>Answer on What Is Qualified Long Term Care Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/long-term-care-insurance/what-is-qualified-long-term-care-insurance#answer_6579</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 09 Jun 2013 12:09:41 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/long-term-care-insurance/what-is-qualified-long-term-care-insurance#answer_6579</guid>
		<description><![CDATA[Some states offer a partnership program.  A qualified Long Term Care policy meets certain qualifications that allows it to be sold as a qualified plan.  The advantage is that for every dollar paid out for long term care under your policy, the state will allow you to shelter that amount of assets and still qualify for Medicaid if you policy runs out.  This is a huge benefit if you have a home or other assets you want to leave to your family because it helps shelter a good portion of your assets from Medicaid spend down.]]></description>
		<content:encoded><![CDATA[Some states offer a partnership program.  A qualified Long Term Care policy meets certain qualifications that allows it to be sold as a qualified plan.  The advantage is that for every dollar paid out for long term care under your policy, the state will allow you to shelter that amount of assets and still qualify for Medicaid if you policy runs out.  This is a huge benefit if you have a home or other assets you want to leave to your family because it helps shelter a good portion of your assets from Medicaid spend down.]]></content:encoded>
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		<title>Answer on What Is The Difference Between Workers Compensation And Disability Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/disability-insurance/what-is-the-difference-between-workers-compensation-and-disability-insurance#answer_6574</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 09 Jun 2013 10:48:50 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/disability-insurance/what-is-the-difference-between-workers-compensation-and-disability-insurance#answer_6574</guid>
		<description><![CDATA[Workers Compensation is a form of disability insurance provided by your employer to protect you from disability caused by on the job injury.  Disability insurance protects you from disability on or off the job from injury or sickness.  For example, if you have a heart attack and cannot work for six months, workers comp will not pay unless the heart attack has an indisputable connection to your employment.  Disability Insurance would pay regardless.]]></description>
		<content:encoded><![CDATA[Workers Compensation is a form of disability insurance provided by your employer to protect you from disability caused by on the job injury.  Disability insurance protects you from disability on or off the job from injury or sickness.  For example, if you have a heart attack and cannot work for six months, workers comp will not pay unless the heart attack has an indisputable connection to your employment.  Disability Insurance would pay regardless.]]></content:encoded>
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		<title>Answer on What Does Mortgage Disability Insurance Cover? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/disability-insurance/what-does-mortgage-disability-insurance-cover#answer_6501</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 08 Jun 2013 12:23:09 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/disability-insurance/what-does-mortgage-disability-insurance-cover#answer_6501</guid>
		<description><![CDATA[A mortgage disability policy will make the mortgage payments in the event you are dsabled for a specified period of time.  You can purchase this through your bank or some companies offer mortgage disability plans.  If you have a mortgage take a look at picking up a mortgage dsability plan.  Contact a local independent agent familiar with disability insurance.]]></description>
		<content:encoded><![CDATA[A mortgage disability policy will make the mortgage payments in the event you are dsabled for a specified period of time.  You can purchase this through your bank or some companies offer mortgage disability plans.  If you have a mortgage take a look at picking up a mortgage dsability plan.  Contact a local independent agent familiar with disability insurance.]]></content:encoded>
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		<title>Answer on Can You Get Car Insurance Without Owning A Vehicle? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/can-you-get-car-insurance-without-owning-a-vehicle#answer_6500</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 08 Jun 2013 12:18:35 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/can-you-get-car-insurance-without-owning-a-vehicle#answer_6500</guid>
		<description><![CDATA[Yes you can, a local independent agent can help you.  If you drive a car it is important to carry auto insurance that covers liability in the event of an at fault accident.  Even though you do not own a car, you could lose your driving privileges in some states if you cannot show proof of insurance or a financial responsibility bond.]]></description>
		<content:encoded><![CDATA[Yes you can, a local independent agent can help you.  If you drive a car it is important to carry auto insurance that covers liability in the event of an at fault accident.  Even though you do not own a car, you could lose your driving privileges in some states if you cannot show proof of insurance or a financial responsibility bond.]]></content:encoded>
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		<title>Answer on Will A Home Insurance Claim Increase My Premium? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/will-a-home-insurance-claim-increase-my-premium#answer_6499</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 08 Jun 2013 12:14:13 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/will-a-home-insurance-claim-increase-my-premium#answer_6499</guid>
		<description><![CDATA[Depending on the claim, one claim should not affect your premium.  A history of a lot of small claims or a large liability claim may affect your premium depending on the circumstances.  Each company looks at things differently so it is hard to give a definitive answer to your question.]]></description>
		<content:encoded><![CDATA[Depending on the claim, one claim should not affect your premium.  A history of a lot of small claims or a large liability claim may affect your premium depending on the circumstances.  Each company looks at things differently so it is hard to give a definitive answer to your question.]]></content:encoded>
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		<title>Answer on How Much Coverage Should I Have For Renters Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/renters-insurance/how-much-coverage-should-i-have-for-renters-insurance#answer_6498</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 08 Jun 2013 12:10:18 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/renters-insurance/how-much-coverage-should-i-have-for-renters-insurance#answer_6498</guid>
		<description><![CDATA[Renters insurance covers your personal property.  You should carry enough renters insurance to cover your possessions in the event of a total loss.  Inventory your property and take pictures to get a good estimate of the amount of coverage you need.  I would make sure I had at least $100,000 in liability protection as well.]]></description>
		<content:encoded><![CDATA[Renters insurance covers your personal property.  You should carry enough renters insurance to cover your possessions in the event of a total loss.  Inventory your property and take pictures to get a good estimate of the amount of coverage you need.  I would make sure I had at least $100,000 in liability protection as well.]]></content:encoded>
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		<title>Answer on How Much Car Insurance Do We Need? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/how-much-car-insurance-do-we-need#answer_6457</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 07 Jun 2013 18:13:21 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/how-much-car-insurance-do-we-need#answer_6457</guid>
		<description><![CDATA[You need to at least carry the state minimum coverage for liability.  That can vary by state.  In Ohio it is $12,500 per person $25000 per occurrence.  I recommend higher limits due to the high award settlements when a person is sued.  I wouldn&#039;t carry less than $50000 per person $100000 per occurrence with $50000 property damage.]]></description>
		<content:encoded><![CDATA[You need to at least carry the state minimum coverage for liability.  That can vary by state.  In Ohio it is $12,500 per person $25000 per occurrence.  I recommend higher limits due to the high award settlements when a person is sued.  I wouldn't carry less than $50000 per person $100000 per occurrence with $50000 property damage.]]></content:encoded>
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		<title>Answer on Does Renters Insurance Cover Property Damage? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/renters-insurance/does-renters-insurance-cover-property-damage#answer_6455</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 07 Jun 2013 18:05:48 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/renters-insurance/does-renters-insurance-cover-property-damage#answer_6455</guid>
		<description><![CDATA[Renters insurance covers your personal property or property in your care custody and control from the perils listed in your policy.  If the property is damaged due to things like Fire, lightening, vandalism,theft or other perils then it would be covered.  If you damage someones property then there is no liability coverage for property damage.]]></description>
		<content:encoded><![CDATA[Renters insurance covers your personal property or property in your care custody and control from the perils listed in your policy.  If the property is damaged due to things like Fire, lightening, vandalism,theft or other perils then it would be covered.  If you damage someones property then there is no liability coverage for property damage.]]></content:encoded>
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		<title>Answer on When Are Medicare Enrollment Periods? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/when-are-medicare-enrollment-periods#answer_6414</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 07 Jun 2013 11:35:29 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/when-are-medicare-enrollment-periods#answer_6414</guid>
		<description><![CDATA[When you first qualify for Medicare you have an initial enrollment period of three months before, the month of and three months after you are are eligible for Medicare.  If you are in a Medicare Advantage Plan or a Part D prescription drug plan you may change plans every year during the Open Enrollment period from October 15th thru December 7th. There are also special election periods, such as leaving an employer plan, moving out of a service area, or other special situations allowed by Medicare.]]></description>
		<content:encoded><![CDATA[When you first qualify for Medicare you have an initial enrollment period of three months before, the month of and three months after you are are eligible for Medicare.  If you are in a Medicare Advantage Plan or a Part D prescription drug plan you may change plans every year during the Open Enrollment period from October 15th thru December 7th. There are also special election periods, such as leaving an employer plan, moving out of a service area, or other special situations allowed by Medicare.]]></content:encoded>
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		<title>Answer on How To Document Items For Renters Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/renters-insurance/how-to-document-items-for-renters-insurance#answer_6413</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 07 Jun 2013 11:29:57 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/renters-insurance/how-to-document-items-for-renters-insurance#answer_6413</guid>
		<description><![CDATA[One of the best ways is to take pictures and complete an inventory.  Save receipts for expensive items.  Store your documentation in a fireproof box and a copy off premises with a parent or friend.  The more documentation you have, especially for expensive items, the greater your chances of avoiding any disputes by a claims adjuster.]]></description>
		<content:encoded><![CDATA[One of the best ways is to take pictures and complete an inventory.  Save receipts for expensive items.  Store your documentation in a fireproof box and a copy off premises with a parent or friend.  The more documentation you have, especially for expensive items, the greater your chances of avoiding any disputes by a claims adjuster.]]></content:encoded>
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		<title>Answer on How Much Life Insurance Do I Need For My Child? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/how-much-life-insurance-do-i-need-for-my-child#answer_6412</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 07 Jun 2013 11:25:19 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/how-much-life-insurance-do-i-need-for-my-child#answer_6412</guid>
		<description><![CDATA[I recommend at least enough to pay final expenses and possible medical bills.  Keep in mind, the loss of a child is an extremely emotional and stressful time.  The last thing a grieving parent needs is to try to figure out where to come up with the money to pay for burial and medical bills.  Life insurance on a child is not expensive.  My personal opinion is a base of $25000.  If the child doesn&#039;t die, it puts the child in a good inexpensive plan until he can afford additional insurance when he is older.]]></description>
		<content:encoded><![CDATA[I recommend at least enough to pay final expenses and possible medical bills.  Keep in mind, the loss of a child is an extremely emotional and stressful time.  The last thing a grieving parent needs is to try to figure out where to come up with the money to pay for burial and medical bills.  Life insurance on a child is not expensive.  My personal opinion is a base of $25000.  If the child doesn't die, it puts the child in a good inexpensive plan until he can afford additional insurance when he is older.]]></content:encoded>
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		<title>Answer on Can Life Insurance Get Medical Records? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/can-life-insurance-get-medical-records#answer_6411</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 07 Jun 2013 11:20:36 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/can-life-insurance-get-medical-records#answer_6411</guid>
		<description><![CDATA[When you apply for life insurance you sign a consent form for the company to check your Medical History.  Usually they will only check with the Medical Information  Bureau, which is a health database similar to a credit agency but health related.  As long as the information on the application coincides with the information in the MIB report, many companies will go no further, however should they feel it necessary they can check with your doctor and obtain medical records.]]></description>
		<content:encoded><![CDATA[When you apply for life insurance you sign a consent form for the company to check your Medical History.  Usually they will only check with the Medical Information  Bureau, which is a health database similar to a credit agency but health related.  As long as the information on the application coincides with the information in the MIB report, many companies will go no further, however should they feel it necessary they can check with your doctor and obtain medical records.]]></content:encoded>
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		<title>Answer on When Do You Need To Sign Up For Medicare? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/when-do-you-need-to-sign-up-for-medicare#answer_6410</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 07 Jun 2013 11:16:19 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/when-do-you-need-to-sign-up-for-medicare#answer_6410</guid>
		<description><![CDATA[When you turn 65 you will automatically be enrolled if you qualify and have worked the requisite number of hours.  You should receive a Welcome to Medicare package containing your Medicare card, information on Medicare and opt out forms in case you are still working and covered by your employer.  Do not opt out of any portion of Medicare unless you have creditable coverage from a group or union.  If you have not received you Medicare card by your 65th birthday, call your local Social Security office or 1-800-MEDICARE.]]></description>
		<content:encoded><![CDATA[When you turn 65 you will automatically be enrolled if you qualify and have worked the requisite number of hours.  You should receive a Welcome to Medicare package containing your Medicare card, information on Medicare and opt out forms in case you are still working and covered by your employer.  Do not opt out of any portion of Medicare unless you have creditable coverage from a group or union.  If you have not received you Medicare card by your 65th birthday, call your local Social Security office or 1-800-MEDICARE.]]></content:encoded>
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		<title>Answer on Will Medicare Be Around In 20 Years? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/will-medicare-be-around-in-20-years#answer_6409</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 07 Jun 2013 11:10:24 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/will-medicare-be-around-in-20-years#answer_6409</guid>
		<description><![CDATA[While I am not an Oracle able to see into the future, I do not see Medicare going away.  It may change from what we see today but some form of it will be available.  There are never any guarantees and it is impossible to see that far ahead and give a definitive answer.]]></description>
		<content:encoded><![CDATA[While I am not an Oracle able to see into the future, I do not see Medicare going away.  It may change from what we see today but some form of it will be available.  There are never any guarantees and it is impossible to see that far ahead and give a definitive answer.]]></content:encoded>
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		<title>Answer on Is Life Insurance At Work Enough? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/is-life-insurance-at-work-enough#answer_6408</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 07 Jun 2013 11:06:29 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/is-life-insurance-at-work-enough#answer_6408</guid>
		<description><![CDATA[The group Life Insurance offered through work is usually not portable, meaning that when you quit or leave the company you lose the insurance, it does not go with you.  Some plans will allow you to convert a portion when you retire but the rate will be very high in most cases.  I recommend having insurance other than your group plan.]]></description>
		<content:encoded><![CDATA[The group Life Insurance offered through work is usually not portable, meaning that when you quit or leave the company you lose the insurance, it does not go with you.  Some plans will allow you to convert a portion when you retire but the rate will be very high in most cases.  I recommend having insurance other than your group plan.]]></content:encoded>
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		<title>Answer on Does Life Insurance Check Your Credit? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/does-life-insurance-check-your-credit#answer_6407</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 07 Jun 2013 11:02:47 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/does-life-insurance-check-your-credit#answer_6407</guid>
		<description><![CDATA[Unless you are applying for a very large policy, credit is not usually an issue when it come to life insurance.  The only reason a company may check credit is to determine affordability and the need for a large policy.  I have never had a credit issue with an application for life insurance.]]></description>
		<content:encoded><![CDATA[Unless you are applying for a very large policy, credit is not usually an issue when it come to life insurance.  The only reason a company may check credit is to determine affordability and the need for a large policy.  I have never had a credit issue with an application for life insurance.]]></content:encoded>
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		<title>Answer on Is Long Term Care Insurance A Good Deal? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/long-term-care-insurance/is-long-term-care-insurance-a-good-deal#answer_6405</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 07 Jun 2013 10:53:03 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/long-term-care-insurance/is-long-term-care-insurance-a-good-deal#answer_6405</guid>
		<description><![CDATA[If you have assets you want to protect then you should consider Long Term Care Insurance. You have a one in four chance of  needing some type of long term care in your lifetime.  The average Nursing Home cost is between $6000 and $8000 per month, Assisted Living is around $4000 to $5000 per month. Home Health Care is around $15 to $20 per hour.  It will not take long to go through any assets at these rates.  Then the option will be Medicaid.  If you want to protect your assets then Long Term Care is an excellent way to do so and will be far less expensive in the long run.]]></description>
		<content:encoded><![CDATA[If you have assets you want to protect then you should consider Long Term Care Insurance. You have a one in four chance of  needing some type of long term care in your lifetime.  The average Nursing Home cost is between $6000 and $8000 per month, Assisted Living is around $4000 to $5000 per month. Home Health Care is around $15 to $20 per hour.  It will not take long to go through any assets at these rates.  Then the option will be Medicaid.  If you want to protect your assets then Long Term Care is an excellent way to do so and will be far less expensive in the long run.]]></content:encoded>
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		<title>Answer on Is Disability Insurance Worth The Investment? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/disability-insurance/is-disability-insurance-worth-the-investment#answer_6402</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 07 Jun 2013 10:37:58 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/disability-insurance/is-disability-insurance-worth-the-investment#answer_6402</guid>
		<description><![CDATA[If you were laid up and couldn&#039;t work for three to six months, would you be able to meet your expenses and put food on the table?  Would you have to dip into the kids college fund to do it?  How will you pay your house payment and car payment?  How will you pay your health insurance premium?  You tell me- is disability insurance worth it?]]></description>
		<content:encoded><![CDATA[If you were laid up and couldn't work for three to six months, would you be able to meet your expenses and put food on the table?  Would you have to dip into the kids college fund to do it?  How will you pay your house payment and car payment?  How will you pay your health insurance premium?  You tell me- is disability insurance worth it?]]></content:encoded>
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		<title>Answer on Does Medicare Cover Eye Care? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/does-medicare-cover-eye-care#answer_6318</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 06 Jun 2013 13:03:27 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/does-medicare-cover-eye-care#answer_6318</guid>
		<description><![CDATA[Medicare will cover disease of the eye such as cataracts or glaucoma.  It does not cover general eye exams or eye wear.  It will pay for prescription glasses after cataract surgery or some other types of surgery that is deemed medically necessary.  Your Ophthalmologist will generally know if a procedure will be covered or not.]]></description>
		<content:encoded><![CDATA[Medicare will cover disease of the eye such as cataracts or glaucoma.  It does not cover general eye exams or eye wear.  It will pay for prescription glasses after cataract surgery or some other types of surgery that is deemed medically necessary.  Your Ophthalmologist will generally know if a procedure will be covered or not.]]></content:encoded>
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		<title>Answer on What Does Renters Insurance Generally Cover? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/renters-insurance/what-does-renters-insurance-generally-cover#answer_6317</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 06 Jun 2013 12:59:43 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/renters-insurance/what-does-renters-insurance-generally-cover#answer_6317</guid>
		<description><![CDATA[Renters insurance covers your personal belongings for fire, lightening, wind, hail and other named perils within your policy.  It usually will cove theft and vandalism as well.  It also covers you for liability if someone is injured in or coming to or from your apartment as a result of your negligence.]]></description>
		<content:encoded><![CDATA[Renters insurance covers your personal belongings for fire, lightening, wind, hail and other named perils within your policy.  It usually will cove theft and vandalism as well.  It also covers you for liability if someone is injured in or coming to or from your apartment as a result of your negligence.]]></content:encoded>
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		<title>Answer on Does Homeowners Insurance Cover Jewelry? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/does-homeowners-insurance-cover-jewelry#answer_6316</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 06 Jun 2013 12:57:10 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/does-homeowners-insurance-cover-jewelry#answer_6316</guid>
		<description><![CDATA[Yes, however there is usually a set amount they will pay.  If you have expensive jewelry you can schedule the jewelry by having each item appraised and listed specifically on your policy.  Check with your agent on the requirements and premium for the additional coverage as well as the limit for your basic coverage.]]></description>
		<content:encoded><![CDATA[Yes, however there is usually a set amount they will pay.  If you have expensive jewelry you can schedule the jewelry by having each item appraised and listed specifically on your policy.  Check with your agent on the requirements and premium for the additional coverage as well as the limit for your basic coverage.]]></content:encoded>
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		<title>Answer on How Much Do Annuities Earn? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/annuities/how-much-do-annuities-earn#answer_6311</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 06 Jun 2013 12:25:17 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/annuities/how-much-do-annuities-earn#answer_6311</guid>
		<description><![CDATA[It depends on a lot of factors.  If it a simple annuity then the guaranteed interest rate will be spelled out in the policy.  An indexed annuity will depend on the stock index environment.  If the market is up, you benefit from higher interest rates based on the formula in your policy.]]></description>
		<content:encoded><![CDATA[It depends on a lot of factors.  If it a simple annuity then the guaranteed interest rate will be spelled out in the policy.  An indexed annuity will depend on the stock index environment.  If the market is up, you benefit from higher interest rates based on the formula in your policy.]]></content:encoded>
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		<title>Answer on When Is Life Insurance Not Necessary? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/when-is-life-insurance-not-necessary#answer_6309</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 06 Jun 2013 12:14:27 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/when-is-life-insurance-not-necessary#answer_6309</guid>
		<description><![CDATA[If you do not own anything and have no family then life insurance may not be necessary but keep in mind someone will have to pay the cost of disposing of your body, either by creation or burial in potters field. &#160;My opinion is that everyone should at least have enough insurance or money set aside to pay for the cost of cremation.]]></description>
		<content:encoded><![CDATA[If you do not own anything and have no family then life insurance may not be necessary but keep in mind someone will have to pay the cost of disposing of your body, either by creation or burial in potters field. &nbsp;My opinion is that everyone should at least have enough insurance or money set aside to pay for the cost of cremation.]]></content:encoded>
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		<title>Answer on Why Do You Need A Medicare Supplement? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/why-do-you-need-a-medicare-supplement#answer_6306</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 06 Jun 2013 12:03:47 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/why-do-you-need-a-medicare-supplement#answer_6306</guid>
		<description><![CDATA[Medicare Supplements pay the coinsurance and deductibles you would have under original Medicare.On day in the hospital with original Medicare nearly $1200 in deductible under part A.  Any part B expense is covered at 80%.  The part A deductible is not calender year, it is best on coverage periods.  You could conceivable have to pay this up to four times per year. There is no ceiling on the amount you would have to pay under part B so if your health condition is serious you could conceivably be responsible for over $10,000 in medical costs.  Medicare Supplements will pay those costs.]]></description>
		<content:encoded><![CDATA[Medicare Supplements pay the coinsurance and deductibles you would have under original Medicare.On day in the hospital with original Medicare nearly $1200 in deductible under part A.  Any part B expense is covered at 80%.  The part A deductible is not calender year, it is best on coverage periods.  You could conceivable have to pay this up to four times per year. There is no ceiling on the amount you would have to pay under part B so if your health condition is serious you could conceivably be responsible for over $10,000 in medical costs.  Medicare Supplements will pay those costs.]]></content:encoded>
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		<title>Answer on What Is The Medigap Insurance Program? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/what-is-the-medigap-insurance-program#answer_6305</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 06 Jun 2013 11:54:52 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/what-is-the-medigap-insurance-program#answer_6305</guid>
		<description><![CDATA[Medigap or also called Medicare Supplements are plans offered by private insurance companies designed to pay the deductibles and coinsurance of original Medicare.  The amount of coverage depends on the plan you choose.  Plan F is the most comprehensive providing virtually 100% coverage for Medicare covered expenses.  It is also the most expensive.  All Medicare Supplements are standardized and offer the same coverage.]]></description>
		<content:encoded><![CDATA[Medigap or also called Medicare Supplements are plans offered by private insurance companies designed to pay the deductibles and coinsurance of original Medicare.  The amount of coverage depends on the plan you choose.  Plan F is the most comprehensive providing virtually 100% coverage for Medicare covered expenses.  It is also the most expensive.  All Medicare Supplements are standardized and offer the same coverage.]]></content:encoded>
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		<title>Answer on Why Not Buy Annuities? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/annuities/why-not-buy-annuities#answer_6302</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 06 Jun 2013 11:46:51 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/annuities/why-not-buy-annuities#answer_6302</guid>
		<description><![CDATA[Annuities are a great way to safely save money toward retirement in a tax favorable manner.  They also have a variety of other uses.  That being said, never tie up all your money in annuities or any other long term investment.  Make sure you have enough liquid funds set aside for emergencies and other needs.  A good retirement planner can help you determine a plan that will fit your needs and situation.]]></description>
		<content:encoded><![CDATA[Annuities are a great way to safely save money toward retirement in a tax favorable manner.  They also have a variety of other uses.  That being said, never tie up all your money in annuities or any other long term investment.  Make sure you have enough liquid funds set aside for emergencies and other needs.  A good retirement planner can help you determine a plan that will fit your needs and situation.]]></content:encoded>
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		<title>Answer on What Life Insurance Is Better Term Or Whole? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-life-insurance-is-better-term-or-whole#answer_6300</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 06 Jun 2013 11:38:06 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-life-insurance-is-better-term-or-whole#answer_6300</guid>
		<description><![CDATA[It depends on your need.  Term insurance is designed for temporary needs.  To cover a mortgage or debts or provide a young family maximum protection while their family is growing.  Whole life is designed to cover permanent needs such as final expenses and estate protection.  While whole life is has a higher monthly premium, in the long run it is actually less expensive than whole life.  Premiums for term insurance go up with each term period and there is no equity build up so it is pure cost.  Whole life develops equity in the form of cash vale.  The premiums are designed never to go up no matter how old a person is and the death benefit will be available when most people need it, in old age.  When you subtract the cash value from the total premiums paid you get the true cost of the whole life, which in later years will be far less than the cost of term insurance.]]></description>
		<content:encoded><![CDATA[It depends on your need.  Term insurance is designed for temporary needs.  To cover a mortgage or debts or provide a young family maximum protection while their family is growing.  Whole life is designed to cover permanent needs such as final expenses and estate protection.  While whole life is has a higher monthly premium, in the long run it is actually less expensive than whole life.  Premiums for term insurance go up with each term period and there is no equity build up so it is pure cost.  Whole life develops equity in the form of cash vale.  The premiums are designed never to go up no matter how old a person is and the death benefit will be available when most people need it, in old age.  When you subtract the cash value from the total premiums paid you get the true cost of the whole life, which in later years will be far less than the cost of term insurance.]]></content:encoded>
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		<title>Answer on Is Universal Life Insurance A Good Idea? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/is-universal-life-insurance-a-good-idea#answer_6029</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 03 Jun 2013 13:05:26 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/is-universal-life-insurance-a-good-idea#answer_6029</guid>
		<description><![CDATA[Universal Life is an excellent option provided it is properly funded.  Because of the nature of the products flexible premium feature, a Universal Life Policy can be sold at a premium not designed to keep the policy in force for the persons lifetime without having to increase the amount of money a person needs to put in to keep the policy in force.]]></description>
		<content:encoded><![CDATA[Universal Life is an excellent option provided it is properly funded.  Because of the nature of the products flexible premium feature, a Universal Life Policy can be sold at a premium not designed to keep the policy in force for the persons lifetime without having to increase the amount of money a person needs to put in to keep the policy in force.]]></content:encoded>
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		<title>Answer on Why Are Equity Indexed Annuities Bad? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/annuities/why-are-equity-indexed-annuities-bad#answer_6027</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 03 Jun 2013 12:52:57 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/annuities/why-are-equity-indexed-annuities-bad#answer_6027</guid>
		<description><![CDATA[Equity Indexed Annuities are not bad if sold appropriately. &#160;They are in fact a very good way to provide a safe lifetime retirement income. &#160;They can provide a competitive upside interest rate without the downside risk. &#160;The problem is that some agents have sold annuities to people without explaining the product. &#160;Some annuities have long surrender periods for example, thus may not be appropriate for someone who is older or who may need access to the money in a shorter time frame.]]></description>
		<content:encoded><![CDATA[Equity Indexed Annuities are not bad if sold appropriately. &nbsp;They are in fact a very good way to provide a safe lifetime retirement income. &nbsp;They can provide a competitive upside interest rate without the downside risk. &nbsp;The problem is that some agents have sold annuities to people without explaining the product. &nbsp;Some annuities have long surrender periods for example, thus may not be appropriate for someone who is older or who may need access to the money in a shorter time frame.]]></content:encoded>
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		<title>Answer on What Does Elimination Period Mean For Long Term Care Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/long-term-care-insurance/what-does-elimination-period-mean-for-long-term-care-insurance#answer_6023</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 03 Jun 2013 12:41:05 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/long-term-care-insurance/what-does-elimination-period-mean-for-long-term-care-insurance#answer_6023</guid>
		<description><![CDATA[An elimination period is like a deductible.  I is the period of time that you choose to private pay before your insurance begins paying.  The longer the elimination period, the lower the premium.  Since Medicare will pay for the first 100 days in a Nursing Home, in many situations, a good elimination period might be 100 days.  A good experienced independent agent familiar with long term care can help you find the best plan for your situation.]]></description>
		<content:encoded><![CDATA[An elimination period is like a deductible.  I is the period of time that you choose to private pay before your insurance begins paying.  The longer the elimination period, the lower the premium.  Since Medicare will pay for the first 100 days in a Nursing Home, in many situations, a good elimination period might be 100 days.  A good experienced independent agent familiar with long term care can help you find the best plan for your situation.]]></content:encoded>
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		<title>Answer on Can People Under 65 Get Medicare? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/can-people-under-65-get-medicare#answer_6022</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 03 Jun 2013 12:36:43 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/can-people-under-65-get-medicare#answer_6022</guid>
		<description><![CDATA[A person under 65 can qualify for Medicare if they are receiving Social Security Disability Benefits for a two year period.  At that point the will qualify for Medicare. Medicare will usually automatically enroll you when you qualify.  Otherwise, the answer to your question is no, a person cannot get Medicare under the age of 65.]]></description>
		<content:encoded><![CDATA[A person under 65 can qualify for Medicare if they are receiving Social Security Disability Benefits for a two year period.  At that point the will qualify for Medicare. Medicare will usually automatically enroll you when you qualify.  Otherwise, the answer to your question is no, a person cannot get Medicare under the age of 65.]]></content:encoded>
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		<title>Answer on Is Medicare Always Your Primary Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/is-medicare-always-your-primary-insurance#answer_6021</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 03 Jun 2013 12:33:24 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/is-medicare-always-your-primary-insurance#answer_6021</guid>
		<description><![CDATA[No, Medicare is not always primary.  If you are still working and have group coverage then Medicare could be secondary.  If your employer has more than 20 employees then your Medicare would be secondary.  In most cases, however, Medicare is primary.  If you have a Medicare supplement, the supplement is secondary.]]></description>
		<content:encoded><![CDATA[No, Medicare is not always primary.  If you are still working and have group coverage then Medicare could be secondary.  If your employer has more than 20 employees then your Medicare would be secondary.  In most cases, however, Medicare is primary.  If you have a Medicare supplement, the supplement is secondary.]]></content:encoded>
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		<title>Answer on Where Do You Get Disability Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/disability-insurance/where-do-you-get-disability-insurance#answer_6020</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 03 Jun 2013 12:28:15 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/disability-insurance/where-do-you-get-disability-insurance#answer_6020</guid>
		<description><![CDATA[If disability benefits are not offered through your employer, contact a local independent agent experienced in disability insurance coverage.  Like all insurance, you need to apply and qualify for coverage.  A good agent can help you select the best company for your situation and the amount of coverage you need.]]></description>
		<content:encoded><![CDATA[If disability benefits are not offered through your employer, contact a local independent agent experienced in disability insurance coverage.  Like all insurance, you need to apply and qualify for coverage.  A good agent can help you select the best company for your situation and the amount of coverage you need.]]></content:encoded>
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		<title>Answer on What Is The Difference Between Annuities And Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/annuities/what-is-the-difference-between-annuities-and-life-insurance#answer_6018</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 03 Jun 2013 12:20:30 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/annuities/what-is-the-difference-between-annuities-and-life-insurance#answer_6018</guid>
		<description><![CDATA[Life insurance provides an immediate estate, the death benefit.  An annuity is a vehicle to provide a safe, tax favorable way to save money for retirement.  They are entirely different.  If you put $1000 into an annuity and you die you get $1000 plus interest.  If you put $1000 into a life insurance you would get the face value of whatever that $1000 would buy, depending on your age and health possibly  over $100,000.]]></description>
		<content:encoded><![CDATA[Life insurance provides an immediate estate, the death benefit.  An annuity is a vehicle to provide a safe, tax favorable way to save money for retirement.  They are entirely different.  If you put $1000 into an annuity and you die you get $1000 plus interest.  If you put $1000 into a life insurance you would get the face value of whatever that $1000 would buy, depending on your age and health possibly  over $100,000.]]></content:encoded>
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		<title>Answer on How Much Commission Does A Life Insurance Agent Make? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/how-much-commission-does-a-life-insurance-agent-make#answer_6015</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 03 Jun 2013 12:11:10 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/how-much-commission-does-a-life-insurance-agent-make#answer_6015</guid>
		<description><![CDATA[It depends on the company and type of policies.  I have seen commissions as low as 35% an as high as 110%.  Commissions are paid out of a fund from the insurance company, not directly by the consumer.  Out of those commissions the agent has to pay for marketing, phone, gas for his automobile, and other business expenses.  Most agents do not receive a salary or expense reimbursement.]]></description>
		<content:encoded><![CDATA[It depends on the company and type of policies.  I have seen commissions as low as 35% an as high as 110%.  Commissions are paid out of a fund from the insurance company, not directly by the consumer.  Out of those commissions the agent has to pay for marketing, phone, gas for his automobile, and other business expenses.  Most agents do not receive a salary or expense reimbursement.]]></content:encoded>
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		<title>Answer on Why Is It Important To Have Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/why-is-it-important-to-have-life-insurance#answer_6014</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 03 Jun 2013 12:04:51 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/why-is-it-important-to-have-life-insurance#answer_6014</guid>
		<description><![CDATA[Life insurance provides a solution to a number of problems.  First i provides peace of mind in knowing that your loved ones are cared for in the event of your death.  The loss of someone you love not only presents a financial burden, but also an extreme emotional burden  Life insurance helps reduce both.  It provides money to not only pay the final expenses, but it can also pay off the mortgage insuring that your loved ones can stay in their home, help pay for their child&#039;s education, and help provide an income for your family.
Life insurance can also provide protection in a business partnership and other applications.  It is also a great estate planning tool.  The reasons for life insurance are multiple.]]></description>
		<content:encoded><![CDATA[Life insurance provides a solution to a number of problems.  First i provides peace of mind in knowing that your loved ones are cared for in the event of your death.  The loss of someone you love not only presents a financial burden, but also an extreme emotional burden  Life insurance helps reduce both.  It provides money to not only pay the final expenses, but it can also pay off the mortgage insuring that your loved ones can stay in their home, help pay for their child's education, and help provide an income for your family.
Life insurance can also provide protection in a business partnership and other applications.  It is also a great estate planning tool.  The reasons for life insurance are multiple.]]></content:encoded>
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		<title>Answer on What Are The Uses Of Life Annuities? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/annuities/what-are-the-uses-of-life-annuities#answer_5974</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 02 Jun 2013 22:45:32 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/annuities/what-are-the-uses-of-life-annuities#answer_5974</guid>
		<description><![CDATA[I am assuming you are referring to a lifetime payout.  If that is the case, a big advantage to an annuity with a life insurance company is its ability to guarantee an income no matter how long you live.  This can be a big advantage when planning for retirement.]]></description>
		<content:encoded><![CDATA[I am assuming you are referring to a lifetime payout.  If that is the case, a big advantage to an annuity with a life insurance company is its ability to guarantee an income no matter how long you live.  This can be a big advantage when planning for retirement.]]></content:encoded>
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		<title>Answer on How Do Private Long-Term Care Insurance Programs Work? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/long-term-care-insurance/how-do-private-long-term-care-insurance-programs-work#answer_5973</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 02 Jun 2013 22:42:36 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/long-term-care-insurance/how-do-private-long-term-care-insurance-programs-work#answer_5973</guid>
		<description><![CDATA[Generally, depending on the policy, when you are unable to perform two or three activities of daily living spelled out in your policy, you will file a claim.  The policy will then begin paying the caregiver.  Some policies only pay for nursing home, some will pay for any type of long term care, even at home care.  Some will even pay a family member.  Each policy is different, so check with a good agent who can sit down and help you make sure the policy is right for you.]]></description>
		<content:encoded><![CDATA[Generally, depending on the policy, when you are unable to perform two or three activities of daily living spelled out in your policy, you will file a claim.  The policy will then begin paying the caregiver.  Some policies only pay for nursing home, some will pay for any type of long term care, even at home care.  Some will even pay a family member.  Each policy is different, so check with a good agent who can sit down and help you make sure the policy is right for you.]]></content:encoded>
	</item>
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		<title>Answer on How Can I Borrow Against My Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/how-can-i-borrow-against-my-life-insurance#answer_5971</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 02 Jun 2013 22:26:18 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/how-can-i-borrow-against-my-life-insurance#answer_5971</guid>
		<description><![CDATA[Contact your company or agent and have them send you the necessary loan forms.  You will also need to know the loan value of your policy.  It is not always a good idea to take a loan on a policy.  The amount of the loan plus accrued interest will be deducted from the death benefit should you die.  If you do take a loan make sure you at least pay the interest every year.]]></description>
		<content:encoded><![CDATA[Contact your company or agent and have them send you the necessary loan forms.  You will also need to know the loan value of your policy.  It is not always a good idea to take a loan on a policy.  The amount of the loan plus accrued interest will be deducted from the death benefit should you die.  If you do take a loan make sure you at least pay the interest every year.]]></content:encoded>
	</item>
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		<title>Answer on Is Cancer Insurance Worth Having? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/critical-illness-insurance/is-cancer-insurance-worth-having#answer_5970</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 02 Jun 2013 22:23:28 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/critical-illness-insurance/is-cancer-insurance-worth-having#answer_5970</guid>
		<description><![CDATA[When you look at the statistics, a Cancer plan is certainly worth looking in to.  There are some policies that provide a return of premium if you do not come down with cancer after a specified period of time.  A Cancer plan can often make a difference of losing your home or being able to get the treatment you want.]]></description>
		<content:encoded><![CDATA[When you look at the statistics, a Cancer plan is certainly worth looking in to.  There are some policies that provide a return of premium if you do not come down with cancer after a specified period of time.  A Cancer plan can often make a difference of losing your home or being able to get the treatment you want.]]></content:encoded>
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		<title>Answer on Can Whole Life Insurance Policies Be Cashed In? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/can-whole-life-insurance-policies-be-cashed-in#answer_5969</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 02 Jun 2013 22:19:31 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/can-whole-life-insurance-policies-be-cashed-in#answer_5969</guid>
		<description><![CDATA[As long as the policy has accumulated cash value you can surrender the policy for the amount of cash value in the policy.  At that point the policy becomes null and void.  You can take a loan on the policy without losing the insurance.  If you simply need cash but also need insurance, this would be a  much better option.]]></description>
		<content:encoded><![CDATA[As long as the policy has accumulated cash value you can surrender the policy for the amount of cash value in the policy.  At that point the policy becomes null and void.  You can take a loan on the policy without losing the insurance.  If you simply need cash but also need insurance, this would be a  much better option.]]></content:encoded>
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		<title>Answer on Why Are People Denied Health Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/why-are-people-denied-health-insurance#answer_5886</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 02 Jun 2013 10:40:25 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/why-are-people-denied-health-insurance#answer_5886</guid>
		<description><![CDATA[Usually the reason is health related.  Under the laws as they exist today a company can deny coverage for health reasons.  Beginning January 1st 2014 this will change.  Companies can no longer deny you coverage.  This is good in that more people will be able to qualify for health insurance.  The downside however is that insurance companies will be forced to raise their rates across the board to accommodate this increased claim exposure.]]></description>
		<content:encoded><![CDATA[Usually the reason is health related.  Under the laws as they exist today a company can deny coverage for health reasons.  Beginning January 1st 2014 this will change.  Companies can no longer deny you coverage.  This is good in that more people will be able to qualify for health insurance.  The downside however is that insurance companies will be forced to raise their rates across the board to accommodate this increased claim exposure.]]></content:encoded>
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		<title>Answer on Can Health Insurance Be Taxed? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/can-health-insurance-be-taxed#answer_5767</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 31 May 2013 10:57:45 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/can-health-insurance-be-taxed#answer_5767</guid>
		<description><![CDATA[Health insurance benefits are usually not taxable.  There may be some exceptions to this but as a general rule you do not have to pay tax on the benefits.  Check with your tax adviser for advice on your own individual situation to be sure that there are no exceptions in your case.]]></description>
		<content:encoded><![CDATA[Health insurance benefits are usually not taxable.  There may be some exceptions to this but as a general rule you do not have to pay tax on the benefits.  Check with your tax adviser for advice on your own individual situation to be sure that there are no exceptions in your case.]]></content:encoded>
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		<title>Answer on Can You Be Forced To Have Renters Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/renters-insurance/can-you-be-forced-to-have-renters-insurance#answer_5766</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 31 May 2013 10:51:10 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/renters-insurance/can-you-be-forced-to-have-renters-insurance#answer_5766</guid>
		<description><![CDATA[Your landlord can require it as part of his lease.  This is an extra protection for the landlord in the event of a lawsuit.  Renters insurance is usually not very expensive and is well worth the cost.  It not only protects you from liability but will also help replace your personal property in the event of a covered loss.]]></description>
		<content:encoded><![CDATA[Your landlord can require it as part of his lease.  This is an extra protection for the landlord in the event of a lawsuit.  Renters insurance is usually not very expensive and is well worth the cost.  It not only protects you from liability but will also help replace your personal property in the event of a covered loss.]]></content:encoded>
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		<title>Answer on What Is The Difference Between Critical Illness And Disability Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/critical-illness-insurance/what-is-the-difference-between-critical-illness-and-disability-insurance#answer_5765</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 31 May 2013 10:48:29 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/critical-illness-insurance/what-is-the-difference-between-critical-illness-and-disability-insurance#answer_5765</guid>
		<description><![CDATA[They are two totally different policies.  Critical Illness pays if you are diagnosed with a critical illness such as heart attack or stroke or other critical illness.  A disability policy covers you if you are unable to perform your job due to an accident or illness.  It will pay a percentage of your income for a specified period.]]></description>
		<content:encoded><![CDATA[They are two totally different policies.  Critical Illness pays if you are diagnosed with a critical illness such as heart attack or stroke or other critical illness.  A disability policy covers you if you are unable to perform your job due to an accident or illness.  It will pay a percentage of your income for a specified period.]]></content:encoded>
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		<title>Answer on Can Life Insurance Look At Medical Records? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/can-life-insurance-look-at-medical-records#answer_5762</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 31 May 2013 10:33:44 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/can-life-insurance-look-at-medical-records#answer_5762</guid>
		<description><![CDATA[Yes, when you fill out a Life Insurance application you give consent via a HIPPA form for the company to obtain any medical information necessary to underwrite your policy.  Companies will usually just do a check through the Medical Information Bureau database.  If everything matches up they will go no further.  If there is something they need to check further, they may request Medical records from your doctor.]]></description>
		<content:encoded><![CDATA[Yes, when you fill out a Life Insurance application you give consent via a HIPPA form for the company to obtain any medical information necessary to underwrite your policy.  Companies will usually just do a check through the Medical Information Bureau database.  If everything matches up they will go no further.  If there is something they need to check further, they may request Medical records from your doctor.]]></content:encoded>
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		<title>Answer on Does Homeowners Insurance Cover Injuries At Home? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/does-homeowners-insurance-cover-injuries-at-home#answer_5761</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 31 May 2013 10:30:11 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/does-homeowners-insurance-cover-injuries-at-home#answer_5761</guid>
		<description><![CDATA[Homeowners medical pay will cover minor injuries for those visiting your home.  This is designed to prevent law suit.  It will not cover you or members of your household however.  Homeowners is not designed as an accident policy or health insurance.  The premium would have to be way too high.]]></description>
		<content:encoded><![CDATA[Homeowners medical pay will cover minor injuries for those visiting your home.  This is designed to prevent law suit.  It will not cover you or members of your household however.  Homeowners is not designed as an accident policy or health insurance.  The premium would have to be way too high.]]></content:encoded>
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		<title>Answer on Does Health Insurance Cover Surrogacy? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/does-health-insurance-cover-surrogacy#answer_5760</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 31 May 2013 10:24:47 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/does-health-insurance-cover-surrogacy#answer_5760</guid>
		<description><![CDATA[I would have to say no.  This is not usually a medically necessary procedure that can threaten ones ongoing health and well being.  While there are sound reasons for surrogacy it is still considered elective in most cases.  Check your policy or call your company to be sure.]]></description>
		<content:encoded><![CDATA[I would have to say no.  This is not usually a medically necessary procedure that can threaten ones ongoing health and well being.  While there are sound reasons for surrogacy it is still considered elective in most cases.  Check your policy or call your company to be sure.]]></content:encoded>
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	<item>
		<title>Answer on Does Health Insurance Cover Weight Loss Surgery? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/does-health-insurance-cover-weight-loss-surgery#answer_5759</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 31 May 2013 10:21:11 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/does-health-insurance-cover-weight-loss-surgery#answer_5759</guid>
		<description><![CDATA[As a rule no, not unless there is a medical necessity.  Check the exclusions in your policy or contact your insurance company before the procedure to find out for sure if the procedure you need to have done is covered.  Without knowing the details of the situation it is hard to give a definitive answer.]]></description>
		<content:encoded><![CDATA[As a rule no, not unless there is a medical necessity.  Check the exclusions in your policy or contact your insurance company before the procedure to find out for sure if the procedure you need to have done is covered.  Without knowing the details of the situation it is hard to give a definitive answer.]]></content:encoded>
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		<title>Answer on Is Home Warranty Insurance Worth It? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/is-home-warranty-insurance-worth-it#answer_5758</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 31 May 2013 10:17:51 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/is-home-warranty-insurance-worth-it#answer_5758</guid>
		<description><![CDATA[A  home is one of the largest investments you will ever make.  When you purchase a home however, there could be and usually are, a lot of hidden problems that surface after you have been in your home for a while.  This is true especially if you purchase an older home.  Some of these problems can be costly.  Doesn&#039;t it make sense to protect your investment?]]></description>
		<content:encoded><![CDATA[A  home is one of the largest investments you will ever make.  When you purchase a home however, there could be and usually are, a lot of hidden problems that surface after you have been in your home for a while.  This is true especially if you purchase an older home.  Some of these problems can be costly.  Doesn't it make sense to protect your investment?]]></content:encoded>
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		<title>Answer on Is Life Insurance Subject To Federal Income Tax? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/is-life-insurance-subject-to-federal-income-tax#answer_5722</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 30 May 2013 21:07:10 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/is-life-insurance-subject-to-federal-income-tax#answer_5722</guid>
		<description><![CDATA[In most cases the death benefit of a life insurance policy is not taxable as income.  The only exception would be that if the type of policy seems to the IRS to be an investment in disguise.  This is very rare.  This is what makes life insurance an attractive way to save for final expenses.]]></description>
		<content:encoded><![CDATA[In most cases the death benefit of a life insurance policy is not taxable as income.  The only exception would be that if the type of policy seems to the IRS to be an investment in disguise.  This is very rare.  This is what makes life insurance an attractive way to save for final expenses.]]></content:encoded>
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		<title>Answer on Can I Change Home Insurance Midterm? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/can-i-change-home-insurance-midterm#answer_5716</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 30 May 2013 19:51:16 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/can-i-change-home-insurance-midterm#answer_5716</guid>
		<description><![CDATA[Yes, you can change whenever you want.  Your former company must refund any unearned premium.  If your premium is figured into your mortgage then you may want to redeposit the check back into your escrow account.  Your independent agent can help you with the exact procedure to follow.]]></description>
		<content:encoded><![CDATA[Yes, you can change whenever you want.  Your former company must refund any unearned premium.  If your premium is figured into your mortgage then you may want to redeposit the check back into your escrow account.  Your independent agent can help you with the exact procedure to follow.]]></content:encoded>
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		<title>Answer on Does Critical Illness Insurance Cover Breast Cancer? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/critical-illness-insurance/does-critical-illness-insurance-cover-breast-cancer#answer_5712</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 30 May 2013 19:41:09 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/critical-illness-insurance/does-critical-illness-insurance-cover-breast-cancer#answer_5712</guid>
		<description><![CDATA[It can if Cancer is named in the policy as one of the critical illnesses covered by the policy.  Critical illness policies spell out which illnesses are covered.  Most cover things like heart attack, stroke, and sometimes Cancer.  most plans require Cancer be added as a separate rider.]]></description>
		<content:encoded><![CDATA[It can if Cancer is named in the policy as one of the critical illnesses covered by the policy.  Critical illness policies spell out which illnesses are covered.  Most cover things like heart attack, stroke, and sometimes Cancer.  most plans require Cancer be added as a separate rider.]]></content:encoded>
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		<title>Answer on How To Reinstate A Lapsed Life Insurance Policy? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/how-to-reinstate-a-lapsed-life-insurance-policy#answer_5711</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 30 May 2013 19:38:15 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/how-to-reinstate-a-lapsed-life-insurance-policy#answer_5711</guid>
		<description><![CDATA[If a policy lapses you must fill out an application for reinstatement and pay all back premiums.  As long as your health hasn&#039;t changed there should be no problem.  If the policy is less than a year old you can reinstate by redating with some companies.  You have the policy reissued with a new issue date.  This way you do not have to pay the back premiums.]]></description>
		<content:encoded><![CDATA[If a policy lapses you must fill out an application for reinstatement and pay all back premiums.  As long as your health hasn't changed there should be no problem.  If the policy is less than a year old you can reinstate by redating with some companies.  You have the policy reissued with a new issue date.  This way you do not have to pay the back premiums.]]></content:encoded>
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		<title>Answer on Does Renters Insurance Cover Laptop Damage? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/renters-insurance/does-renters-insurance-cover-laptop-damage#answer_5710</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 30 May 2013 19:35:02 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/renters-insurance/does-renters-insurance-cover-laptop-damage#answer_5710</guid>
		<description><![CDATA[The laptop would only be covered if the damage was due to a covered peril, such as fire, theft, vandalism or other named perils in your policy.  If the laptop was damaged because you dropped it then it would not be covered.  Check your policy or call your agent.]]></description>
		<content:encoded><![CDATA[The laptop would only be covered if the damage was due to a covered peril, such as fire, theft, vandalism or other named perils in your policy.  If the laptop was damaged because you dropped it then it would not be covered.  Check your policy or call your agent.]]></content:encoded>
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		<title>Answer on How Much Am I Worth In Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/how-much-am-i-worth-in-life-insurance#answer_5645</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 30 May 2013 11:28:41 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/how-much-am-i-worth-in-life-insurance#answer_5645</guid>
		<description><![CDATA[Every one has a human life value.  A rule of thumb is this is projected income over your lifetime.  For example a person making $100,000 a year over 30 years would earn $3,000,000.  Add in an inflation factor and you would have the Human Life Value.  There are other ways to figure this but I am trying to keep it simple.  What percentage of this you cover with life insurance is an individual decision.]]></description>
		<content:encoded><![CDATA[Every one has a human life value.  A rule of thumb is this is projected income over your lifetime.  For example a person making $100,000 a year over 30 years would earn $3,000,000.  Add in an inflation factor and you would have the Human Life Value.  There are other ways to figure this but I am trying to keep it simple.  What percentage of this you cover with life insurance is an individual decision.]]></content:encoded>
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		<title>Answer on Does A Condo Need Homeowners Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/does-a-condo-need-homeowners-insurance#answer_5644</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 30 May 2013 11:21:24 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/does-a-condo-need-homeowners-insurance#answer_5644</guid>
		<description><![CDATA[There are policies specifically designed for condo&#039;s.  Most condominium associations require insurance and if there is a mortgage your bank will.  The major difference is that the condo policy will only cover personal belongings and the interior of the building not covered by the association.  The association generally covers the building itself.]]></description>
		<content:encoded><![CDATA[There are policies specifically designed for condo's.  Most condominium associations require insurance and if there is a mortgage your bank will.  The major difference is that the condo policy will only cover personal belongings and the interior of the building not covered by the association.  The association generally covers the building itself.]]></content:encoded>
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		<title>Answer on Does Life Insurance Pay For Funeral Costs? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/does-life-insurance-pay-for-funeral-costs#answer_5637</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 30 May 2013 10:59:55 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/does-life-insurance-pay-for-funeral-costs#answer_5637</guid>
		<description><![CDATA[As long as the face amount is enough to cover the funeral bill.  Life insurance can cover whatever it is set up to do.  There are no restrictions on what the money can be used for.  The beneficiary can decide how best to use the money according to the circumstances.]]></description>
		<content:encoded><![CDATA[As long as the face amount is enough to cover the funeral bill.  Life insurance can cover whatever it is set up to do.  There are no restrictions on what the money can be used for.  The beneficiary can decide how best to use the money according to the circumstances.]]></content:encoded>
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		<title>Answer on Can I Get Life Insurance If I Have Diabetes? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/can-i-get-life-insurance-if-i-have-diabetes#answer_5635</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 30 May 2013 10:52:49 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/can-i-get-life-insurance-if-i-have-diabetes#answer_5635</guid>
		<description><![CDATA[Yes you can.  The rate will depend on age of onset and degree of control.  You will probably pay a higher rate but you can get insurance.  A good independent life insurance agent or broker can look at your individual situation and find a company that is affordable for you.]]></description>
		<content:encoded><![CDATA[Yes you can.  The rate will depend on age of onset and degree of control.  You will probably pay a higher rate but you can get insurance.  A good independent life insurance agent or broker can look at your individual situation and find a company that is affordable for you.]]></content:encoded>
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		<title>Answer on How Much Does Disability Insurance Pay? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/disability-insurance/how-much-does-disability-insurance-pay#answer_5633</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 30 May 2013 10:42:37 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/disability-insurance/how-much-does-disability-insurance-pay#answer_5633</guid>
		<description><![CDATA[Disability insurance will pay whatever the amount is that you choose to take out.  The max is usually about 60 to 80% of your income.  There are guidelines on this to prevent a person from abusing the system and encourage them to return to work as soon as possible.]]></description>
		<content:encoded><![CDATA[Disability insurance will pay whatever the amount is that you choose to take out.  The max is usually about 60 to 80% of your income.  There are guidelines on this to prevent a person from abusing the system and encourage them to return to work as soon as possible.]]></content:encoded>
	</item>
	<item>
		<title>Answer on Do Health Insurance Premiums Qualify As Medical Expenses? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/do-health-insurance-premiums-qualify-as-medical-expenses#answer_5631</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 30 May 2013 10:35:53 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/do-health-insurance-premiums-qualify-as-medical-expenses#answer_5631</guid>
		<description><![CDATA[Health insurance premiums can be a tax deductible item if you are self employed or paying for your own insurance and filing a long form.  Your tax adviser can tell you if your health insurance premiums are a tax deductible item in your individual circumstance but in most cases they are deductible.]]></description>
		<content:encoded><![CDATA[Health insurance premiums can be a tax deductible item if you are self employed or paying for your own insurance and filing a long form.  Your tax adviser can tell you if your health insurance premiums are a tax deductible item in your individual circumstance but in most cases they are deductible.]]></content:encoded>
	</item>
	<item>
		<title>Answer on How Can I Find An Old Life Insurance Policy? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/how-can-i-find-an-old-life-insurance-policy#answer_5630</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 30 May 2013 10:30:19 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/how-can-i-find-an-old-life-insurance-policy#answer_5630</guid>
		<description><![CDATA[Sometimes life insurance policies get lost.  If you have something with the name of the company, you can call the company and give them as much information as you can about the insured, social security number is very helpful, often they can find the policy in there files and send a duplicate.  If you have the policy number then that is even better.  If the company has been purchased by another company you may have to do some research or call the department of insurance to find out who purchased the company.]]></description>
		<content:encoded><![CDATA[Sometimes life insurance policies get lost.  If you have something with the name of the company, you can call the company and give them as much information as you can about the insured, social security number is very helpful, often they can find the policy in there files and send a duplicate.  If you have the policy number then that is even better.  If the company has been purchased by another company you may have to do some research or call the department of insurance to find out who purchased the company.]]></content:encoded>
	</item>
	<item>
		<title>Answer on What Kind Of Blood Work Is Done For Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-kind-of-blood-work-is-done-for-life-insurance#answer_5629</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 30 May 2013 10:25:01 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-kind-of-blood-work-is-done-for-life-insurance#answer_5629</guid>
		<description><![CDATA[Generally if your company requires blood work it is done by a paramedic.  They usually check for drugs, tobacco use, aids or HIV, liver abnormalities and other general health indicators that could affect your insurability and rating.  Depending on the size of the policy more extensive drug work can be ordered by the company but this is rare.]]></description>
		<content:encoded><![CDATA[Generally if your company requires blood work it is done by a paramedic.  They usually check for drugs, tobacco use, aids or HIV, liver abnormalities and other general health indicators that could affect your insurability and rating.  Depending on the size of the policy more extensive drug work can be ordered by the company but this is rare.]]></content:encoded>
	</item>
	<item>
		<title>Answer on Will Homeowners Insurance Cover New Air Conditioner? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/will-homeowners-insurance-cover-new-air-conditioner#answer_5628</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 30 May 2013 10:20:07 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/will-homeowners-insurance-cover-new-air-conditioner#answer_5628</guid>
		<description><![CDATA[Not unless it is damaged by a covered loss such as fire or a tree falling on it, a lightning strike, vandalism, or other type of peril.  Homeowners is not a maintenance policy and will not cover normal wear and tear or general breakdown of any appliance in or around your home.]]></description>
		<content:encoded><![CDATA[Not unless it is damaged by a covered loss such as fire or a tree falling on it, a lightning strike, vandalism, or other type of peril.  Homeowners is not a maintenance policy and will not cover normal wear and tear or general breakdown of any appliance in or around your home.]]></content:encoded>
	</item>
	<item>
		<title>Answer on What Information Do I Need For Renters Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/renters-insurance/what-information-do-i-need-for-renters-insurance#answer_5625</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 30 May 2013 10:07:59 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/renters-insurance/what-information-do-i-need-for-renters-insurance#answer_5625</guid>
		<description><![CDATA[You will need your social security number, date of birth, the approximate value of your personal belongings including even minor items, and your address.  Renters Insurance is very easy to apply for and as long as the risk is acceptable to the company then you should have no problems.]]></description>
		<content:encoded><![CDATA[You will need your social security number, date of birth, the approximate value of your personal belongings including even minor items, and your address.  Renters Insurance is very easy to apply for and as long as the risk is acceptable to the company then you should have no problems.]]></content:encoded>
	</item>
	<item>
		<title>Answer on Does Health Insurance Cover Weight Loss Programs? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/does-health-insurance-cover-weight-loss-programs#answer_5624</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 30 May 2013 10:03:04 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/does-health-insurance-cover-weight-loss-programs#answer_5624</guid>
		<description><![CDATA[There may be some plans that offer discounts on weight loss programs or gym memberships but generally your health will not cover a weight loss program you purchase over the counter.  Every health insurance plan is different however and may offer at least some type of coverage depending on the weight loss program, is it medically necessary and prescribed by the doctor.  Check with your agent to see what your policy covers.]]></description>
		<content:encoded><![CDATA[There may be some plans that offer discounts on weight loss programs or gym memberships but generally your health will not cover a weight loss program you purchase over the counter.  Every health insurance plan is different however and may offer at least some type of coverage depending on the weight loss program, is it medically necessary and prescribed by the doctor.  Check with your agent to see what your policy covers.]]></content:encoded>
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	<item>
		<title>Answer on Does A Life Insurance Beneficiary Have To Pay Taxes? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/does-a-life-insurance-beneficiary-have-to-pay-taxes#answer_5623</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 30 May 2013 09:56:20 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/does-a-life-insurance-beneficiary-have-to-pay-taxes#answer_5623</guid>
		<description><![CDATA[The death benefit of a life insurance policy is usually not taxable as long as they are paid to a named beneficiary.  There may be some exceptions depending on if your life insurance policy is viewed by the IRS as an investment disguised as life insurance, but this is not the normal situation.]]></description>
		<content:encoded><![CDATA[The death benefit of a life insurance policy is usually not taxable as long as they are paid to a named beneficiary.  There may be some exceptions depending on if your life insurance policy is viewed by the IRS as an investment disguised as life insurance, but this is not the normal situation.]]></content:encoded>
	</item>
	<item>
		<title>Answer on Is Home Insurance A Legal Requirement? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/is-home-insurance-a-legal-requirement#answer_5596</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 29 May 2013 23:50:51 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/is-home-insurance-a-legal-requirement#answer_5596</guid>
		<description><![CDATA[Not in most states.  The bank will require it in most cases however to protect themselves if you carry a mortgage on the property.  If you do not have a mortgage and want to assume the risk, not only of fixing or replacing your home in the event of a loss but also the risk of law suit, then you do not have to carry homeowners insurance.  Think hard about it, is it really worth the risk?]]></description>
		<content:encoded><![CDATA[Not in most states.  The bank will require it in most cases however to protect themselves if you carry a mortgage on the property.  If you do not have a mortgage and want to assume the risk, not only of fixing or replacing your home in the event of a loss but also the risk of law suit, then you do not have to carry homeowners insurance.  Think hard about it, is it really worth the risk?]]></content:encoded>
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	<item>
		<title>Answer on How Much Long Term Care Insurance Do I Need? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/long-term-care-insurance/how-much-long-term-care-insurance-do-i-need#answer_5595</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 29 May 2013 23:46:46 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/long-term-care-insurance/how-much-long-term-care-insurance-do-i-need#answer_5595</guid>
		<description><![CDATA[The cost of a nursing home is between $6000 and $7000 per month.  Assisted Living costs will run you between $3500 and $4500 per month.  Home Health Care is about $15 to $20 per hour.   Do you really want to have to use your assets and lose your legacy?  As you can see it can happen very quickly.  To help determine the amount of Long Term Care Insurance you need depends on a lot of factors.  It is best to sit down with a professional well versed in Long Term Care and determine the amount that you need based on your individual situation.]]></description>
		<content:encoded><![CDATA[The cost of a nursing home is between $6000 and $7000 per month.  Assisted Living costs will run you between $3500 and $4500 per month.  Home Health Care is about $15 to $20 per hour.   Do you really want to have to use your assets and lose your legacy?  As you can see it can happen very quickly.  To help determine the amount of Long Term Care Insurance you need depends on a lot of factors.  It is best to sit down with a professional well versed in Long Term Care and determine the amount that you need based on your individual situation.]]></content:encoded>
	</item>
	<item>
		<title>Answer on What Is The Average Insurance Cost For A Home? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/what-is-the-average-insurance-cost-for-a-home#answer_5466</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 29 May 2013 11:11:15 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/what-is-the-average-insurance-cost-for-a-home#answer_5466</guid>
		<description><![CDATA[It depends on where you live, the value of the home, the age of the home and other factors.  The average cost of homeowners in Ohio would be different than the average cost in California.  There is no way to answer this question since there are so many variables.]]></description>
		<content:encoded><![CDATA[It depends on where you live, the value of the home, the age of the home and other factors.  The average cost of homeowners in Ohio would be different than the average cost in California.  There is no way to answer this question since there are so many variables.]]></content:encoded>
	</item>
	<item>
		<title>Answer on Is Long Term Disability Insurance Taxable? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/disability-insurance/is-long-term-disability-insurance-taxable#answer_5465</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 29 May 2013 11:08:40 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/disability-insurance/is-long-term-disability-insurance-taxable#answer_5465</guid>
		<description><![CDATA[The rule of thumb on this is that if you deducted the premiums from your taxes then the benefits would be taxable.  If you did not deduct the premiums than in most cases the benefits are not taxable.  Tax laws change so make sure you consult your tax adviser for your particular situation.]]></description>
		<content:encoded><![CDATA[The rule of thumb on this is that if you deducted the premiums from your taxes then the benefits would be taxable.  If you did not deduct the premiums than in most cases the benefits are not taxable.  Tax laws change so make sure you consult your tax adviser for your particular situation.]]></content:encoded>
	</item>
	<item>
		<title>Answer on Where Can I Get Car Insurance With No Deposit? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/where-can-i-get-car-insurance-with-no-deposit#answer_5463</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 29 May 2013 11:01:47 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/where-can-i-get-car-insurance-with-no-deposit#answer_5463</guid>
		<description><![CDATA[All companies require money with the application.  You will always need at least one month premium for a policy to go in force.  Insurance is a contract and requires &quot;consideration&quot; or money to be in effect.  Your agent could be in big trouble with the company if he provides coverage without collecting premium.]]></description>
		<content:encoded><![CDATA[All companies require money with the application.  You will always need at least one month premium for a policy to go in force.  Insurance is a contract and requires "consideration" or money to be in effect.  Your agent could be in big trouble with the company if he provides coverage without collecting premium.]]></content:encoded>
	</item>
	<item>
		<title>Answer on How Does Life Insurance Know You Smoke? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/how-does-life-insurance-know-you-smoke#answer_5462</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 29 May 2013 10:58:11 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/how-does-life-insurance-know-you-smoke#answer_5462</guid>
		<description><![CDATA[If the company requires a paramedical exam with blood, urine or saliva they will know because the test for nicotine.  Otherwise the company takes your word for it.  If you lie on an application and it is later found out the company can refuse to pay a claim if a death occurs within two years of the policy issue date.  You may also be required to pay back the difference in premium or have your policy rescinded and your premiums returned.]]></description>
		<content:encoded><![CDATA[If the company requires a paramedical exam with blood, urine or saliva they will know because the test for nicotine.  Otherwise the company takes your word for it.  If you lie on an application and it is later found out the company can refuse to pay a claim if a death occurs within two years of the policy issue date.  You may also be required to pay back the difference in premium or have your policy rescinded and your premiums returned.]]></content:encoded>
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	<item>
		<title>Answer on How Does A Life Insurance Payout Work? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/how-does-a-life-insurance-payout-work#answer_5461</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 29 May 2013 10:53:19 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/how-does-a-life-insurance-payout-work#answer_5461</guid>
		<description><![CDATA[Upon death the beneficiary has a couple options.   They can take the money in a lump sum, in which case they will receive a check shortly after filing the death claim, or they can annuitize and take the money in monthly installments ove a period of time or for life.  A good agent can help guide you according to your circumstances.]]></description>
		<content:encoded><![CDATA[Upon death the beneficiary has a couple options.   They can take the money in a lump sum, in which case they will receive a check shortly after filing the death claim, or they can annuitize and take the money in monthly installments ove a period of time or for life.  A good agent can help guide you according to your circumstances.]]></content:encoded>
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	<item>
		<title>Answer on Where Can I Buy Life Insurance On My Parents? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/where-can-i-buy-life-insurance-on-my-parents#answer_5460</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 29 May 2013 10:50:13 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/where-can-i-buy-life-insurance-on-my-parents#answer_5460</guid>
		<description><![CDATA[As long as your parents are aware of the transaction and can sign the application then any company will allow you to take a policy out on your parents.  To take a policy out on another individual you must have insurable interest such as family in this case, and the other party must be aware of and consent to the transaction.]]></description>
		<content:encoded><![CDATA[As long as your parents are aware of the transaction and can sign the application then any company will allow you to take a policy out on your parents.  To take a policy out on another individual you must have insurable interest such as family in this case, and the other party must be aware of and consent to the transaction.]]></content:encoded>
	</item>
	<item>
		<title>Answer on When Do You Pay A Deductible On Auto Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/when-do-you-pay-a-deductible-on-auto-insurance#answer_5458</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 29 May 2013 10:44:28 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/when-do-you-pay-a-deductible-on-auto-insurance#answer_5458</guid>
		<description><![CDATA[When you have a claim you will pay your deductible.  Usually this is figured in the repair cost.  If the cost of repair is $1500 and you have a $500 deductible you will be billed by the repair shop the $500 and you insurance would pay the balance.]]></description>
		<content:encoded><![CDATA[When you have a claim you will pay your deductible.  Usually this is figured in the repair cost.  If the cost of repair is $1500 and you have a $500 deductible you will be billed by the repair shop the $500 and you insurance would pay the balance.]]></content:encoded>
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		<title>Answer on Does Homeowners Insurance Cover Wind Damage? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/does-homeowners-insurance-cover-wind-damage#answer_5456</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 29 May 2013 10:34:42 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/does-homeowners-insurance-cover-wind-damage#answer_5456</guid>
		<description><![CDATA[Yes it does.  If a windstorm causes damages to your roof, siding, or a tree to fall on your home you will be covered under your homeowners insurance.  If this has happened to you call your agent first.  Then start getting estimates.  If the damage is minor you may not want to turn in a claim.]]></description>
		<content:encoded><![CDATA[Yes it does.  If a windstorm causes damages to your roof, siding, or a tree to fall on your home you will be covered under your homeowners insurance.  If this has happened to you call your agent first.  Then start getting estimates.  If the damage is minor you may not want to turn in a claim.]]></content:encoded>
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		<title>Answer on What Is Medicare PPO &#038; HMO? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/what-is-medicare-ppo-hmo#answer_5455</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 29 May 2013 10:31:34 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/what-is-medicare-ppo-hmo#answer_5455</guid>
		<description><![CDATA[A PPO is a preferred provider organization.  You can see any doctor that accepts Medicare but you will pay a higher copay if you go outside the network and fail to stay in a network of doctors set up by the plan.
N HMO is a Health Maintenance Organization.  You MUST stay in the network set up by the plan or you have no coverage.]]></description>
		<content:encoded><![CDATA[A PPO is a preferred provider organization.  You can see any doctor that accepts Medicare but you will pay a higher copay if you go outside the network and fail to stay in a network of doctors set up by the plan.
N HMO is a Health Maintenance Organization.  You MUST stay in the network set up by the plan or you have no coverage.]]></content:encoded>
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		<title>Answer on Which Type Of Life Insurance Policy Is Best? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/which-type-of-life-insurance-policy-is-best#answer_5454</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 29 May 2013 10:26:30 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/which-type-of-life-insurance-policy-is-best#answer_5454</guid>
		<description><![CDATA[The best life insurance is the policy in force the day you die.  Seriously though, it depends on your goals and personal circumstances.  The best thing to do is to sit down with a good independent experience life insurance agent and do a complete review of your situation to determine the best plan for you.  There is no one best insurance plan.]]></description>
		<content:encoded><![CDATA[The best life insurance is the policy in force the day you die.  Seriously though, it depends on your goals and personal circumstances.  The best thing to do is to sit down with a good independent experience life insurance agent and do a complete review of your situation to determine the best plan for you.  There is no one best insurance plan.]]></content:encoded>
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		<title>Answer on Does Car Insurance Cover Keying? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/does-car-insurance-cover-keying#answer_5453</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 29 May 2013 10:23:37 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/does-car-insurance-cover-keying#answer_5453</guid>
		<description><![CDATA[If you have Comprehensive or commonly called Full Coverage, then vandalism such as keying would be covered.  If you have only liability then no it would not be.  Find out what the repair cost would be.  If it is not too great then you may want to take care of it yourself rather than having a claim against you on your auto insurance.  While it won&#039;t affect the rates, an accumulation of a lot of small claims can raise a red flag to some companies.  Talk to your agent about this.  Do not call the company unless you plan on filing the claim.  Many companies will count it as a claim anyway if you call to inquire, even if you do not turn in the claim.]]></description>
		<content:encoded><![CDATA[If you have Comprehensive or commonly called Full Coverage, then vandalism such as keying would be covered.  If you have only liability then no it would not be.  Find out what the repair cost would be.  If it is not too great then you may want to take care of it yourself rather than having a claim against you on your auto insurance.  While it won't affect the rates, an accumulation of a lot of small claims can raise a red flag to some companies.  Talk to your agent about this.  Do not call the company unless you plan on filing the claim.  Many companies will count it as a claim anyway if you call to inquire, even if you do not turn in the claim.]]></content:encoded>
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		<title>Answer on Is It Legal To Require Renters Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/renters-insurance/is-it-legal-to-require-renters-insurance#answer_5452</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 29 May 2013 10:18:15 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/renters-insurance/is-it-legal-to-require-renters-insurance#answer_5452</guid>
		<description><![CDATA[A landlord has the right to protect himself from lawsuit.  There are no laws that says he has to require it but there are also no laws that says he cant. By requiring renters insurance the landlord protects himself in the event of being sued for the tenants negligence that causes bodily injury.  Yes it is legal.]]></description>
		<content:encoded><![CDATA[A landlord has the right to protect himself from lawsuit.  There are no laws that says he has to require it but there are also no laws that says he cant. By requiring renters insurance the landlord protects himself in the event of being sued for the tenants negligence that causes bodily injury.  Yes it is legal.]]></content:encoded>
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	<item>
		<title>Answer on What Are Annuities And Why Is It Necessary? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/annuities/what-are-annuities-and-why-is-it-necessary#answer_5451</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 29 May 2013 10:14:00 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/annuities/what-are-annuities-and-why-is-it-necessary#answer_5451</guid>
		<description><![CDATA[Annuities are a good safe way to save money for retirement.  They have a very competitive interest rate, some even tied to stock indexes, they avoid probate, are tax deferred, they can guarantee an income for life, and can be set up to help provide long term care.  While the upside would be less than a money market or stock, you do not have to worry about the downside of the market.  While I would never suggest you put all your money in an annuity, it provides a good safe base for the rest of your portfolio.]]></description>
		<content:encoded><![CDATA[Annuities are a good safe way to save money for retirement.  They have a very competitive interest rate, some even tied to stock indexes, they avoid probate, are tax deferred, they can guarantee an income for life, and can be set up to help provide long term care.  While the upside would be less than a money market or stock, you do not have to worry about the downside of the market.  While I would never suggest you put all your money in an annuity, it provides a good safe base for the rest of your portfolio.]]></content:encoded>
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		<title>Answer on How Long Does It Take To Get A Renters Insurance Policy? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/renters-insurance/how-long-does-it-take-to-get-a-renters-insurance-policy#answer_5290</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 28 May 2013 11:30:44 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/renters-insurance/how-long-does-it-take-to-get-a-renters-insurance-policy#answer_5290</guid>
		<description><![CDATA[As long as it takes you to go down to your local independent agents office and fill out the paperwork.  You can be covered the same day as you apply as long as you meet the underwriting requirements of the company you apply to.  The agent can then give you a binder to show your landlord if necessary.]]></description>
		<content:encoded><![CDATA[As long as it takes you to go down to your local independent agents office and fill out the paperwork.  You can be covered the same day as you apply as long as you meet the underwriting requirements of the company you apply to.  The agent can then give you a binder to show your landlord if necessary.]]></content:encoded>
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		<title>Answer on How Do I Set Up A Qualified Retirement Plan? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/retirement-plans/how-do-i-set-up-a-qualified-retirement-plan#answer_5288</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 28 May 2013 11:26:47 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/retirement-plans/how-do-i-set-up-a-qualified-retirement-plan#answer_5288</guid>
		<description><![CDATA[A good independent agent who works with retirement planning can help you set up your retirement plan.  Depending on your needs and situation, you may choose to set up a simple IRA qualified annuity.  If you have access to a 401k at work you have a great source to help get you started.  You need the help of someone familiar with retirement planning.]]></description>
		<content:encoded><![CDATA[A good independent agent who works with retirement planning can help you set up your retirement plan.  Depending on your needs and situation, you may choose to set up a simple IRA qualified annuity.  If you have access to a 401k at work you have a great source to help get you started.  You need the help of someone familiar with retirement planning.]]></content:encoded>
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		<title>Answer on Why Is The Cost Of Health Insurance Rising? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/why-is-the-cost-of-health-insurance-rising#answer_5285</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 28 May 2013 11:14:56 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/why-is-the-cost-of-health-insurance-rising#answer_5285</guid>
		<description><![CDATA[The high cost of Medical bills and drugs are the primary reason.  Also with the new mandates companies are being forced to change their rate structure to accommodate provisions in the law that were not available before.  Health Insurance rates do not have any choice but to go up, especially when the mandates kick in in 2014 and they are forced to take on previously unacceptable risks and move to community rating instead of age based rating.]]></description>
		<content:encoded><![CDATA[The high cost of Medical bills and drugs are the primary reason.  Also with the new mandates companies are being forced to change their rate structure to accommodate provisions in the law that were not available before.  Health Insurance rates do not have any choice but to go up, especially when the mandates kick in in 2014 and they are forced to take on previously unacceptable risks and move to community rating instead of age based rating.]]></content:encoded>
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		<title>Answer on Why Is There A Waiting Period For Disability Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/disability-insurance/why-is-there-a-waiting-period-for-disability-insurance#answer_5284</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 28 May 2013 11:09:11 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/disability-insurance/why-is-there-a-waiting-period-for-disability-insurance#answer_5284</guid>
		<description><![CDATA[The waiting period or elimination period acts as a deductible for disability insurance.  The longer the elimination period the lower the premium.  By having an elimination period it keeps a person from using the insurance for minor things, like missing a few days work because of the cold.  It is designed to keep costs low and prevent abuse.]]></description>
		<content:encoded><![CDATA[The waiting period or elimination period acts as a deductible for disability insurance.  The longer the elimination period the lower the premium.  By having an elimination period it keeps a person from using the insurance for minor things, like missing a few days work because of the cold.  It is designed to keep costs low and prevent abuse.]]></content:encoded>
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		<title>Answer on How Do I Qualify For Long Term Care Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/long-term-care-insurance/how-do-i-qualify-for-long-term-care-insurance#answer_5280</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 28 May 2013 10:54:21 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/long-term-care-insurance/how-do-i-qualify-for-long-term-care-insurance#answer_5280</guid>
		<description><![CDATA[Long Term Care Insurance is paid for with your money, but it is your health that actually buys it.  You need to be relatively healthy to buy long term care insurance.  Anyone can buy it as long as the can afford it and can qualify health-wise. Talk to a good independent agent specializing in the needs of seniors and care planning.]]></description>
		<content:encoded><![CDATA[Long Term Care Insurance is paid for with your money, but it is your health that actually buys it.  You need to be relatively healthy to buy long term care insurance.  Anyone can buy it as long as the can afford it and can qualify health-wise. Talk to a good independent agent specializing in the needs of seniors and care planning.]]></content:encoded>
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		<title>Answer on Who Needs Long Term Healthcare Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/long-term-care-insurance/who-needs-long-term-healthcare-insurance#answer_5279</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 28 May 2013 10:50:28 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/long-term-care-insurance/who-needs-long-term-healthcare-insurance#answer_5279</guid>
		<description><![CDATA[When you look at the statistics, 1 in 4 will need some form of long term care in their lifetime.  If you have any assets that you want to protect then you need to look at long term care.  Don&#039;t wait until your health declines, you may not be able to get it if you do.]]></description>
		<content:encoded><![CDATA[When you look at the statistics, 1 in 4 will need some form of long term care in their lifetime.  If you have any assets that you want to protect then you need to look at long term care.  Don't wait until your health declines, you may not be able to get it if you do.]]></content:encoded>
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		<title>Answer on Where Can I Get Free Health Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/where-can-i-get-free-health-insurance#answer_5277</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 28 May 2013 10:42:08 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/where-can-i-get-free-health-insurance#answer_5277</guid>
		<description><![CDATA[Unless you qualify for Medicaid there is no such thing.  Health Insurance, even under the Affordable Care Act is not free.  Even Medicaid is paid for by someone.  Starting in October, you will be able to enroll in one of the Marketplaces that will be set up and you may qualify for a government subsidy that may pay all or most of your premium.  Health Insurance is never free.]]></description>
		<content:encoded><![CDATA[Unless you qualify for Medicaid there is no such thing.  Health Insurance, even under the Affordable Care Act is not free.  Even Medicaid is paid for by someone.  Starting in October, you will be able to enroll in one of the Marketplaces that will be set up and you may qualify for a government subsidy that may pay all or most of your premium.  Health Insurance is never free.]]></content:encoded>
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		<title>Answer on Who Should Invest In Annuities? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/annuities/who-should-invest-in-annuities#answer_5273</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 28 May 2013 10:19:17 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/annuities/who-should-invest-in-annuities#answer_5273</guid>
		<description><![CDATA[Annuities are good safe money investments.  You can get a fair gain on your money without the risks of the market.  Annuities are tax defered or can be set up as IRA qualified plans and become deductible from taxes within government guidelines.  They are protected from creditors, avoid probate, can be set up to pay for long term care, and can guarantee a lifetime income.  Everyone should have at least some money in a good annuity to help provide a good safe cushion for retirement.  Like building a house, you need a good foundation.  Then you can start building your riskier investment portfolio if you choose.]]></description>
		<content:encoded><![CDATA[Annuities are good safe money investments.  You can get a fair gain on your money without the risks of the market.  Annuities are tax defered or can be set up as IRA qualified plans and become deductible from taxes within government guidelines.  They are protected from creditors, avoid probate, can be set up to pay for long term care, and can guarantee a lifetime income.  Everyone should have at least some money in a good annuity to help provide a good safe cushion for retirement.  Like building a house, you need a good foundation.  Then you can start building your riskier investment portfolio if you choose.]]></content:encoded>
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		<title>Answer on What Does Medicare Approved Mean? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/what-does-medicare-approved-mean#answer_5154</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 27 May 2013 10:06:52 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/what-does-medicare-approved-mean#answer_5154</guid>
		<description><![CDATA[Any time you have a claim, Medicare must approve the medical necessity of that claim and the amount they will pay.  If a claim is not approved Medicare will not pay.  Medicare when paying claims has a set payment they will approve for a specific procedure based on how that procedure is billed.  Medicare will only pay 80% of that approved amount for Part B covered charges.  A doctor cannot bill for more than 15% of the Medicare approved charges.  Some states like Ohio do not allow the 15% excess charges.  A doctor who accepts Medicare cannot balance bill for more than the approved amount.]]></description>
		<content:encoded><![CDATA[Any time you have a claim, Medicare must approve the medical necessity of that claim and the amount they will pay.  If a claim is not approved Medicare will not pay.  Medicare when paying claims has a set payment they will approve for a specific procedure based on how that procedure is billed.  Medicare will only pay 80% of that approved amount for Part B covered charges.  A doctor cannot bill for more than 15% of the Medicare approved charges.  Some states like Ohio do not allow the 15% excess charges.  A doctor who accepts Medicare cannot balance bill for more than the approved amount.]]></content:encoded>
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		<title>Answer on Why Do I Need Universal Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/why-do-i-need-universal-life-insurance#answer_5153</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 27 May 2013 10:01:16 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/why-do-i-need-universal-life-insurance#answer_5153</guid>
		<description><![CDATA[Universal Life is a unique product.  The advantages of a Universal Life Policy are:  Flexible Premiums, you can put more into the policy to act as a savings and enhance cash accumulation.  You can skip payments as long as there is enough in the cash value to continue the insurance.  You can decrease the face amount or increase the face amount (as long as your health qualifies).  It has a competitive interest rate.  It is a good way to get a lot of insurance for a lower premium than whole Life.
The disadvantages:  It must be funded properly.  Because you can skip or put less into the policy than the Target Premium, the policy could lose its death benefit.  Picture a bucket of money.  The bucket has a hole in it and it is dripping.  If the water (money) going into the bucket is greater than the water going out of the bucket, you are OK.  But if you do not have enough going into the bucket and it is draining faster than being filled, then the water will eventually run out.  When that happens the insurance will cease.
Universal Life is a good product, but not for everyone.]]></description>
		<content:encoded><![CDATA[Universal Life is a unique product.  The advantages of a Universal Life Policy are:  Flexible Premiums, you can put more into the policy to act as a savings and enhance cash accumulation.  You can skip payments as long as there is enough in the cash value to continue the insurance.  You can decrease the face amount or increase the face amount (as long as your health qualifies).  It has a competitive interest rate.  It is a good way to get a lot of insurance for a lower premium than whole Life.
The disadvantages:  It must be funded properly.  Because you can skip or put less into the policy than the Target Premium, the policy could lose its death benefit.  Picture a bucket of money.  The bucket has a hole in it and it is dripping.  If the water (money) going into the bucket is greater than the water going out of the bucket, you are OK.  But if you do not have enough going into the bucket and it is draining faster than being filled, then the water will eventually run out.  When that happens the insurance will cease.
Universal Life is a good product, but not for everyone.]]></content:encoded>
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		<title>Answer on Will Medicare Supplements Disappear Due To A Single Payer System? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/will-medicare-supplements-disappear-due-to-a-single-payer-system#answer_5029</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 26 May 2013 11:28:44 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/will-medicare-supplements-disappear-due-to-a-single-payer-system#answer_5029</guid>
		<description><![CDATA[No, Medicare has been a single payer system for years.  If anything, with possible cuts to some Medicare Advantage Plans, Medicare Supplements will become more popular.  There is talk about changing the structure of some of the better plans to allow for more copay&#039;s.  Supposedly a person paying for a comprehensive Medicare supplement plan is &quot;over utilizing&quot; Medicare.  But Medicare Supplements are here to stay.]]></description>
		<content:encoded><![CDATA[No, Medicare has been a single payer system for years.  If anything, with possible cuts to some Medicare Advantage Plans, Medicare Supplements will become more popular.  There is talk about changing the structure of some of the better plans to allow for more copay's.  Supposedly a person paying for a comprehensive Medicare supplement plan is "over utilizing" Medicare.  But Medicare Supplements are here to stay.]]></content:encoded>
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		<title>Answer on How Much Should I Plan For Retirement? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/retirement-plans/how-much-should-i-plan-for-retirement#answer_5028</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 26 May 2013 11:23:06 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/retirement-plans/how-much-should-i-plan-for-retirement#answer_5028</guid>
		<description><![CDATA[Only you can answer that question.  Figure your fixed costs after retirement, your plans (do you plan to travel?), and other individual factors. Also deduct out social security if you want to figure out how much additional savings you need to meet your goal.  My opinion is at least 80% of current income on average but that is not written in stone, every case is different.  Sit down with a good agent familiar with retirement planning.  He or she can help you put together a good plan for a comfortable retirement.]]></description>
		<content:encoded><![CDATA[Only you can answer that question.  Figure your fixed costs after retirement, your plans (do you plan to travel?), and other individual factors. Also deduct out social security if you want to figure out how much additional savings you need to meet your goal.  My opinion is at least 80% of current income on average but that is not written in stone, every case is different.  Sit down with a good agent familiar with retirement planning.  He or she can help you put together a good plan for a comfortable retirement.]]></content:encoded>
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		<title>Answer on What Is Personal Liability In Home Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/what-is-personal-liability-in-home-insurance#answer_5027</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 26 May 2013 11:16:19 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/what-is-personal-liability-in-home-insurance#answer_5027</guid>
		<description><![CDATA[Personal liability is what protects you from lawsuit if someone is injured on your property.  We live in a litigious society, unfortunately, making higher limits of liability necessary.  I recommend at least $300,000 for the average homeowner and more if you live in an upscale neighborhood.  It is a protection for you and the cost is not that great.]]></description>
		<content:encoded><![CDATA[Personal liability is what protects you from lawsuit if someone is injured on your property.  We live in a litigious society, unfortunately, making higher limits of liability necessary.  I recommend at least $300,000 for the average homeowner and more if you live in an upscale neighborhood.  It is a protection for you and the cost is not that great.]]></content:encoded>
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		<title>Answer on How Good Are Fixed Annuities? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/annuities/how-good-are-fixed-annuities#answer_5026</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 26 May 2013 11:12:29 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/annuities/how-good-are-fixed-annuities#answer_5026</guid>
		<description><![CDATA[If you want a good safe investment without the risk of the stock market then a fixed annuity can be a very good option to help accumulate cash for retirement.  You will not get the returns possible with a mutual fund or stock, but you will also not suffer the potential losses.]]></description>
		<content:encoded><![CDATA[If you want a good safe investment without the risk of the stock market then a fixed annuity can be a very good option to help accumulate cash for retirement.  You will not get the returns possible with a mutual fund or stock, but you will also not suffer the potential losses.]]></content:encoded>
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		<title>Answer on How Much Does Homeowners Insurance Go Up Each Year? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/how-much-does-homeowners-insurance-go-up-each-year#answer_5023</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 26 May 2013 11:03:42 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/how-much-does-homeowners-insurance-go-up-each-year#answer_5023</guid>
		<description><![CDATA[It depends on the loss experience of the company, construction cost inflation, and a number of other factors.  Sometimes the insurance will go up, and even down (which is rare).  The general trend is for homeowners to go up.  The catastrophic losses for most companies in recent years has been tremendous.]]></description>
		<content:encoded><![CDATA[It depends on the loss experience of the company, construction cost inflation, and a number of other factors.  Sometimes the insurance will go up, and even down (which is rare).  The general trend is for homeowners to go up.  The catastrophic losses for most companies in recent years has been tremendous.]]></content:encoded>
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		<title>Answer on Can You Collect Disability Insurance For Pregnancy? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/disability-insurance/can-you-collect-disability-insurance-for-pregnancy#answer_5022</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 26 May 2013 10:59:59 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/disability-insurance/can-you-collect-disability-insurance-for-pregnancy#answer_5022</guid>
		<description><![CDATA[If the policy was in force prior to the pregnancy then it is possible depending on your policy.  As long as pregnancy is not excluded and it is medically necessary for you to be off work you may be covered.  Check with your agent or company to find out.]]></description>
		<content:encoded><![CDATA[If the policy was in force prior to the pregnancy then it is possible depending on your policy.  As long as pregnancy is not excluded and it is medically necessary for you to be off work you may be covered.  Check with your agent or company to find out.]]></content:encoded>
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		<title>Answer on How Much Does Health Insurance Usually Cost? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/how-much-does-health-insurance-usually-cost#answer_5021</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 26 May 2013 10:57:17 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/how-much-does-health-insurance-usually-cost#answer_5021</guid>
		<description><![CDATA[There is no way to answer this question.  It depends on the area you live in, your age, your health, the company you select, and other factors.  Check with a good independent agent who has multiple companies.  A good agent can help you find the right coverage for your circumstances.]]></description>
		<content:encoded><![CDATA[There is no way to answer this question.  It depends on the area you live in, your age, your health, the company you select, and other factors.  Check with a good independent agent who has multiple companies.  A good agent can help you find the right coverage for your circumstances.]]></content:encoded>
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		<title>Answer on How Much Does A Claim Affect Car Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/how-much-does-a-claim-affect-car-insurance#answer_5020</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 26 May 2013 10:54:21 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/how-much-does-a-claim-affect-car-insurance#answer_5020</guid>
		<description><![CDATA[It depends on the amount of the claim, the type of claim, and your driving record.  A minor glass claim generally will not have a big impact.  An at fault accident with bodily injury could have a larger effect, especially if alcohol is involved.  There is no way to answer this question definitively.]]></description>
		<content:encoded><![CDATA[It depends on the amount of the claim, the type of claim, and your driving record.  A minor glass claim generally will not have a big impact.  An at fault accident with bodily injury could have a larger effect, especially if alcohol is involved.  There is no way to answer this question definitively.]]></content:encoded>
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		<title>Answer on What Are The Benefits Of Having Disability Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/disability-insurance/what-are-the-benefits-of-having-disability-insurance#answer_5018</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 26 May 2013 10:46:55 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/disability-insurance/what-are-the-benefits-of-having-disability-insurance#answer_5018</guid>
		<description><![CDATA[Ask yourself these questions:  If I were to have an accident and laid up for three to six months, how would I pay my bills?  Do I have savings?  What is that savings meant to be for?  Will I be able to continue running my business?  If yo can answer these questions and still not see the need for disability insurance, then maybe you don&#039;t need it.  Most people do.]]></description>
		<content:encoded><![CDATA[Ask yourself these questions:  If I were to have an accident and laid up for three to six months, how would I pay my bills?  Do I have savings?  What is that savings meant to be for?  Will I be able to continue running my business?  If yo can answer these questions and still not see the need for disability insurance, then maybe you don't need it.  Most people do.]]></content:encoded>
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		<title>Answer on Why Do Banks Require Homeowners Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/why-do-banks-require-homeowners-insurance#answer_5016</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 26 May 2013 10:35:27 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/why-do-banks-require-homeowners-insurance#answer_5016</guid>
		<description><![CDATA[Banks require homeowners insurance to protect themselves.  When you have a mortgage on a home, the bank becomes part owner of that home.  If it burns in a fire or is destroyed or damaged by a catastrophic occurrence it needs to be rebuilt or repaired.  Home Owners insurance allows for this to be done..]]></description>
		<content:encoded><![CDATA[Banks require homeowners insurance to protect themselves.  When you have a mortgage on a home, the bank becomes part owner of that home.  If it burns in a fire or is destroyed or damaged by a catastrophic occurrence it needs to be rebuilt or repaired.  Home Owners insurance allows for this to be done..]]></content:encoded>
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		<title>Answer on Why Have Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/why-have-life-insurance#answer_5013</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 26 May 2013 10:23:03 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/why-have-life-insurance#answer_5013</guid>
		<description><![CDATA[There are several reasons.  The main reason is that it is a protection for your family.  If you died today, who would pay your outstanding medical bills?  Who would pay your final expenses?  How will your family be able to continue living where they are now until they can get adjusted to your lost income?  I have seen the power of life insurance in my over 30 years in the business.  Life insurance can make a difference of your child going to college, of your wife being forced to work in a low paying job or worse going on welfare.  I have seen the face of a young widow with three children when she was given here life insurance check and she realized that they would be able to stay in their home.  The reason you buy life insurance is because you love somebody enough that you want to take care of them, even after you are gone!
Another reason is that it can protect your business if you own one.  It can help keep key employees.]]></description>
		<content:encoded><![CDATA[There are several reasons.  The main reason is that it is a protection for your family.  If you died today, who would pay your outstanding medical bills?  Who would pay your final expenses?  How will your family be able to continue living where they are now until they can get adjusted to your lost income?  I have seen the power of life insurance in my over 30 years in the business.  Life insurance can make a difference of your child going to college, of your wife being forced to work in a low paying job or worse going on welfare.  I have seen the face of a young widow with three children when she was given here life insurance check and she realized that they would be able to stay in their home.  The reason you buy life insurance is because you love somebody enough that you want to take care of them, even after you are gone!
Another reason is that it can protect your business if you own one.  It can help keep key employees.]]></content:encoded>
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		<title>Answer on What Is A 1035 Exchange From Life Insurance To An Annuity? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-is-a-1035-exchange-from-life-insurance-to-an-annuity#answer_5012</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 26 May 2013 10:12:39 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-is-a-1035-exchange-from-life-insurance-to-an-annuity#answer_5012</guid>
		<description><![CDATA[To put it simply, it is a means of rolling the cash value of a life insurance policy into an annuity directly by the companies involved rather than filling out surrender forms, waiting for the check to arrive, and then placing the funds into the new contract.  Keep in mind that when you do this you are losing your life insurance.  Make  sure it is truly to your advantage and not just the advantage of the person trying to sell you an annuity.  Be very careful when replacing life insurance.]]></description>
		<content:encoded><![CDATA[To put it simply, it is a means of rolling the cash value of a life insurance policy into an annuity directly by the companies involved rather than filling out surrender forms, waiting for the check to arrive, and then placing the funds into the new contract.  Keep in mind that when you do this you are losing your life insurance.  Make  sure it is truly to your advantage and not just the advantage of the person trying to sell you an annuity.  Be very careful when replacing life insurance.]]></content:encoded>
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		<title>Answer on How Long Do You Need Long Term Care Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/long-term-care-insurance/how-long-do-you-need-long-term-care-insurance#answer_4940</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 25 May 2013 11:08:13 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/long-term-care-insurance/how-long-do-you-need-long-term-care-insurance#answer_4940</guid>
		<description><![CDATA[It depends on your circumstances.  The older you get the greater your chance of needing long term care.  That being the case you would want to continue your Long Term Care coverage until it becomes evident that you are going to die without going into a facility and no longer need the insurance.]]></description>
		<content:encoded><![CDATA[It depends on your circumstances.  The older you get the greater your chance of needing long term care.  That being the case you would want to continue your Long Term Care coverage until it becomes evident that you are going to die without going into a facility and no longer need the insurance.]]></content:encoded>
	</item>
	<item>
		<title>Answer on Can Annuities Be Rolled Over? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/annuities/can-annuities-be-rolled-over#answer_4939</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 25 May 2013 11:01:36 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/annuities/can-annuities-be-rolled-over#answer_4939</guid>
		<description><![CDATA[In most cases yes.  If the annuity is a qualified annuity then you must roll it into a qualified plan or risk being penalized.  A non-qualified annuity can be rolled over into a different annuity if the new annuity is more suitable and contains greater advantages than the original annuity.]]></description>
		<content:encoded><![CDATA[In most cases yes.  If the annuity is a qualified annuity then you must roll it into a qualified plan or risk being penalized.  A non-qualified annuity can be rolled over into a different annuity if the new annuity is more suitable and contains greater advantages than the original annuity.]]></content:encoded>
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		<title>Answer on What Insurance Do You Get When You Are On Disability? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/disability-insurance/what-insurance-do-you-get-when-you-are-on-disability#answer_4938</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 25 May 2013 10:58:29 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/disability-insurance/what-insurance-do-you-get-when-you-are-on-disability#answer_4938</guid>
		<description><![CDATA[It depends on the situation.  If you are on Social Security disability then after about two years you can qualify for Medicare.  If you are on disability from work your companies insurance will usually continue to cover you.  If you have a personal disability policy and a health insurance policy then you would need to keep paying for your health insurance unless your policy includes some type of disability waiver, which is not common.]]></description>
		<content:encoded><![CDATA[It depends on the situation.  If you are on Social Security disability then after about two years you can qualify for Medicare.  If you are on disability from work your companies insurance will usually continue to cover you.  If you have a personal disability policy and a health insurance policy then you would need to keep paying for your health insurance unless your policy includes some type of disability waiver, which is not common.]]></content:encoded>
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		<title>Answer on Does Homeowners Insurance Cover Electrical Problems? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/does-homeowners-insurance-cover-electrical-problems#answer_4937</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 25 May 2013 10:54:49 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/does-homeowners-insurance-cover-electrical-problems#answer_4937</guid>
		<description><![CDATA[No, homeowners insurance does not cover maintenance.  If you have a covered loss the replacement of any damaged electrical components would be included but it will not pay for general electrical work.  Covered loss would be things like fire, lightening, wind, hail, weight of ice and snow.  Check with your agent if you feel your loss may be covered.]]></description>
		<content:encoded><![CDATA[No, homeowners insurance does not cover maintenance.  If you have a covered loss the replacement of any damaged electrical components would be included but it will not pay for general electrical work.  Covered loss would be things like fire, lightening, wind, hail, weight of ice and snow.  Check with your agent if you feel your loss may be covered.]]></content:encoded>
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		<title>Answer on How Is Medicare Part C Financed? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/how-is-medicare-part-c-financed#answer_4936</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 25 May 2013 10:50:39 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/how-is-medicare-part-c-financed#answer_4936</guid>
		<description><![CDATA[Like original Medicare ultimately is financed through your taxes.  Medicare pays private insurance companies a set amount per enrollee to administer the claims.  The company can then take that money and develope their plan whithin guidelines set by Medicare.  If the company is able to provide the benefits with the money provided by Medicare, then you may not have to pay an additional premium other than your normal Medicare Part B premium.  If the benefits are more than Medicare allowance allows for then some plans charge an extra premium in addition to what Medicare provides.  This is where the danger comes in when you hear about Medicare cutting funds to Medicare Advantage.  Right now there are some very good zero premium plans available.  These may be forced to go away if cuts are allowed to continue.]]></description>
		<content:encoded><![CDATA[Like original Medicare ultimately is financed through your taxes.  Medicare pays private insurance companies a set amount per enrollee to administer the claims.  The company can then take that money and develope their plan whithin guidelines set by Medicare.  If the company is able to provide the benefits with the money provided by Medicare, then you may not have to pay an additional premium other than your normal Medicare Part B premium.  If the benefits are more than Medicare allowance allows for then some plans charge an extra premium in addition to what Medicare provides.  This is where the danger comes in when you hear about Medicare cutting funds to Medicare Advantage.  Right now there are some very good zero premium plans available.  These may be forced to go away if cuts are allowed to continue.]]></content:encoded>
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		<title>Answer on What Will Term Life Insurance Pay For? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-will-term-life-insurance-pay-for#answer_4935</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 25 May 2013 10:43:35 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-will-term-life-insurance-pay-for#answer_4935</guid>
		<description><![CDATA[Term Life, like any life insurance can be used to pay for whatever the beneficiary wants it to pay for.  Final Expenses, Mortgage, debts, a new car, a new home, invested, it doesn&#039;t matter.  This is why I suggest you purchase private insurance rather than the mortgage term insurance you are offered by your bank.  Banks mortgage term usually lists the bank as the beneficiary, meaning if something happens they get the money and pay off your mortgage.  You lose the flexibility private insurance offers.  Your spouse may not want to pay off the mortgage.  It may make more sense to invest the money and pay the mortgage out of the interest or care for another more pressing need.]]></description>
		<content:encoded><![CDATA[Term Life, like any life insurance can be used to pay for whatever the beneficiary wants it to pay for.  Final Expenses, Mortgage, debts, a new car, a new home, invested, it doesn't matter.  This is why I suggest you purchase private insurance rather than the mortgage term insurance you are offered by your bank.  Banks mortgage term usually lists the bank as the beneficiary, meaning if something happens they get the money and pay off your mortgage.  You lose the flexibility private insurance offers.  Your spouse may not want to pay off the mortgage.  It may make more sense to invest the money and pay the mortgage out of the interest or care for another more pressing need.]]></content:encoded>
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		<title>Answer on What Types Of Medicare Plans Are There? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/what-types-of-medicare-plans-are-there#answer_4932</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 25 May 2013 10:27:02 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/what-types-of-medicare-plans-are-there#answer_4932</guid>
		<description><![CDATA[When you qualify for Medicare there are two basic choices, you can keep original Medicare and purchase a Medicare Supplement and Prescription drug plan or you can enroll in a Medicare Advantage Plan.  Medicare Supplements have a variety of coverage options.  Medicare Advantage Plans basically take the place of original Medicare in that administration is taken over by the insurance company.  You have HMO&#039;s.  These plans have a network that you MUST use.  PPO&#039;s or Preferred Provider Organizations, you can use any provider but the copay&#039;s are less if you stay in network.  You also have a few Private Fee For Service plans still out there.  These are less popular because even though you can go to any doctor, that doctor can refuse coverage on a visit by visit basis.  These are the most common plans available.  A good agent specializing in the needs of seniors can go into more detail on how they work and the options available.]]></description>
		<content:encoded><![CDATA[When you qualify for Medicare there are two basic choices, you can keep original Medicare and purchase a Medicare Supplement and Prescription drug plan or you can enroll in a Medicare Advantage Plan.  Medicare Supplements have a variety of coverage options.  Medicare Advantage Plans basically take the place of original Medicare in that administration is taken over by the insurance company.  You have HMO's.  These plans have a network that you MUST use.  PPO's or Preferred Provider Organizations, you can use any provider but the copay's are less if you stay in network.  You also have a few Private Fee For Service plans still out there.  These are less popular because even though you can go to any doctor, that doctor can refuse coverage on a visit by visit basis.  These are the most common plans available.  A good agent specializing in the needs of seniors can go into more detail on how they work and the options available.]]></content:encoded>
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		<title>Answer on What Are The Advantages Of Home Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/what-are-the-advantages-of-home-insurance#answer_4799</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 24 May 2013 11:34:41 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/what-are-the-advantages-of-home-insurance#answer_4799</guid>
		<description><![CDATA[Home owners insurance protects you from lawsuit if someone is injured on your property.  It also will help rebuild or repair your home if it is destroyed or damaged by a covered loss.  It will replace your personal property that is lost damaged or stolen in a covered loss. It will provide additional living expenses if you need to move into a motel while your home is being repaired due to a covered loss.]]></description>
		<content:encoded><![CDATA[Home owners insurance protects you from lawsuit if someone is injured on your property.  It also will help rebuild or repair your home if it is destroyed or damaged by a covered loss.  It will replace your personal property that is lost damaged or stolen in a covered loss. It will provide additional living expenses if you need to move into a motel while your home is being repaired due to a covered loss.]]></content:encoded>
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		<title>Answer on Why Would An Apartment Require Renters Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/renters-insurance/why-would-an-apartment-require-renters-insurance#answer_4795</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 24 May 2013 11:25:23 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/renters-insurance/why-would-an-apartment-require-renters-insurance#answer_4795</guid>
		<description><![CDATA[It is an extra protection for them in the event of a lawsuit.  If your child, for example leaves a toy in a common stairway and another person falls down the steps and is injured, you could be sued but so can your landlord.  Renters insurance is also a protection for you.  Your personal property can be replaced in the event of a covered loss.]]></description>
		<content:encoded><![CDATA[It is an extra protection for them in the event of a lawsuit.  If your child, for example leaves a toy in a common stairway and another person falls down the steps and is injured, you could be sued but so can your landlord.  Renters insurance is also a protection for you.  Your personal property can be replaced in the event of a covered loss.]]></content:encoded>
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		<title>Answer on How Much Disability Insurance Do You Need? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/disability-insurance/how-much-disability-insurance-do-you-need#answer_4793</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 24 May 2013 11:17:32 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/disability-insurance/how-much-disability-insurance-do-you-need#answer_4793</guid>
		<description><![CDATA[There are guidelines as to how much disability insurance a person can purchase.  Generally between 60 and 80% of earned income.  I would purchase the maximum allowable.  To keep the premium down you can use longer elimination periods.  Determine how long you can function without the income and then purchase a policy that doesn&#039;t start until the end of that period.  For example, if you have enough liquid savings to pay 30 days of bills, then select a 30 day elimination period.  An elimination period acts as a deductible.]]></description>
		<content:encoded><![CDATA[There are guidelines as to how much disability insurance a person can purchase.  Generally between 60 and 80% of earned income.  I would purchase the maximum allowable.  To keep the premium down you can use longer elimination periods.  Determine how long you can function without the income and then purchase a policy that doesn't start until the end of that period.  For example, if you have enough liquid savings to pay 30 days of bills, then select a 30 day elimination period.  An elimination period acts as a deductible.]]></content:encoded>
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		<title>Answer on Why Should A Person Purchase Disability Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/disability-insurance/why-should-a-person-purchase-disability-insurance#answer_4792</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 24 May 2013 11:12:01 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/disability-insurance/why-should-a-person-purchase-disability-insurance#answer_4792</guid>
		<description><![CDATA[In today&#039;s economy the average individual need his income to pay bills and maintain his standard of living.  If that income is interrupted due to an extended disability, the results could be financially devastating   At the least the individual would be forced to tap into money set aside for retirement or their child&#039;s education.  Worst case could result in bankruptcy.  Having Disability insurance provides that income lost and protects a persons savings and credit history.]]></description>
		<content:encoded><![CDATA[In today's economy the average individual need his income to pay bills and maintain his standard of living.  If that income is interrupted due to an extended disability, the results could be financially devastating   At the least the individual would be forced to tap into money set aside for retirement or their child's education.  Worst case could result in bankruptcy.  Having Disability insurance provides that income lost and protects a persons savings and credit history.]]></content:encoded>
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		<title>Answer on Can Young People Buy Annuities? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/annuities/can-young-people-buy-annuities#answer_4785</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 24 May 2013 10:31:13 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/annuities/can-young-people-buy-annuities#answer_4785</guid>
		<description><![CDATA[Anyone can purchase an annuity as long as it is suitable for their situation and they have the money to invest.  In fact it is not a bad idea to have at least some of your portfolio in safe money investments such as annuities to help provide a cushion against the potential losses of the stock market.  Many Indexed annuities have shown a very competitive gain over a period of time.]]></description>
		<content:encoded><![CDATA[Anyone can purchase an annuity as long as it is suitable for their situation and they have the money to invest.  In fact it is not a bad idea to have at least some of your portfolio in safe money investments such as annuities to help provide a cushion against the potential losses of the stock market.  Many Indexed annuities have shown a very competitive gain over a period of time.]]></content:encoded>
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		<title>Answer on How To Work From Home As An Insurance Agent? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/how-to-work-from-home-as-an-insurance-agent#answer_4783</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 24 May 2013 10:22:48 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/how-to-work-from-home-as-an-insurance-agent#answer_4783</guid>
		<description><![CDATA[First get licensed in your state.  Then get contracts with some companies either directly or through a marketing organization.  Working from home takes a lot of discipline  For a new agent I highly recommend going through an organization that provides training and support and mentoring.  You can still work at home but having the structure of weekly training meetings will help keep you motivated and give you the help you need to get started.]]></description>
		<content:encoded><![CDATA[First get licensed in your state.  Then get contracts with some companies either directly or through a marketing organization.  Working from home takes a lot of discipline  For a new agent I highly recommend going through an organization that provides training and support and mentoring.  You can still work at home but having the structure of weekly training meetings will help keep you motivated and give you the help you need to get started.]]></content:encoded>
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		<title>Answer on What Does Term Life Insurance Cover? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-does-term-life-insurance-cover#answer_4781</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 24 May 2013 10:16:12 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-does-term-life-insurance-cover#answer_4781</guid>
		<description><![CDATA[It covers you if you die for the face amount of the policy just like any other form of life insurance as long as you die within the term of the policy.  It doesn&#039;t matter what you die from as long as you do not lie on the application or commit suicide the first two year of the policy.]]></description>
		<content:encoded><![CDATA[It covers you if you die for the face amount of the policy just like any other form of life insurance as long as you die within the term of the policy.  It doesn't matter what you die from as long as you do not lie on the application or commit suicide the first two year of the policy.]]></content:encoded>
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		<title>Answer on Does Homeowners Insurance Cover Sump Pumps? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/does-homeowners-insurance-cover-sump-pumps#answer_4758</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 23 May 2013 20:23:45 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/does-homeowners-insurance-cover-sump-pumps#answer_4758</guid>
		<description><![CDATA[Not unless they are damaged by a covered peril.  At that point they would be consider part of your personal property.  Sump pumps breaking down due to age or wear and tear would not be covered   Homeowners is not designed as a maintenance policy.  Covered perils would be things like fire, theft, collapse and other similar occurrences.]]></description>
		<content:encoded><![CDATA[Not unless they are damaged by a covered peril.  At that point they would be consider part of your personal property.  Sump pumps breaking down due to age or wear and tear would not be covered   Homeowners is not designed as a maintenance policy.  Covered perils would be things like fire, theft, collapse and other similar occurrences.]]></content:encoded>
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		<title>Answer on Why Is Whole Life Insurance More Expensive? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/why-is-whole-life-insurance-more-expensive#answer_4751</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 23 May 2013 20:01:38 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/why-is-whole-life-insurance-more-expensive#answer_4751</guid>
		<description><![CDATA[Whole life insurance is designed so that the premiums never go up and you will have coverage until you die, whatever the age may be.  As a result the premiums are based on life expectancy and evened out over that period of time.  You pay more in the early years but in later years you actually pay less than term.  The excess in the early years is what helps build cash value.  Term insurance generally will go up after each term period to the point where in later years it becomes unaffordable  It depends upon the reason for the insurance as to which is the better option.  Temporary needs are best addressed with term, while permanent needs are best addressed with whole life.]]></description>
		<content:encoded><![CDATA[Whole life insurance is designed so that the premiums never go up and you will have coverage until you die, whatever the age may be.  As a result the premiums are based on life expectancy and evened out over that period of time.  You pay more in the early years but in later years you actually pay less than term.  The excess in the early years is what helps build cash value.  Term insurance generally will go up after each term period to the point where in later years it becomes unaffordable  It depends upon the reason for the insurance as to which is the better option.  Temporary needs are best addressed with term, while permanent needs are best addressed with whole life.]]></content:encoded>
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		<title>Answer on Is Damage From Ice Dams Covered By Homeowners Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/is-damage-from-ice-dams-covered-by-homeowners-insurance#answer_4662</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 22 May 2013 22:19:40 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/is-damage-from-ice-dams-covered-by-homeowners-insurance#answer_4662</guid>
		<description><![CDATA[I am assuming by ice dams you mean the ice buildup around gutters.  If that is the case the answer would be no.  That becomes a maintenance issue.  Your homeowners policy will cover roof collapse due to weight of ice and snow but the ice dams around the gutters generally would not be covered.]]></description>
		<content:encoded><![CDATA[I am assuming by ice dams you mean the ice buildup around gutters.  If that is the case the answer would be no.  That becomes a maintenance issue.  Your homeowners policy will cover roof collapse due to weight of ice and snow but the ice dams around the gutters generally would not be covered.]]></content:encoded>
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		<title>Answer on Will My Business Get Penalized If An Employee Declines Health Insurance Coverage? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/will-my-business-get-penalized#answer_4659</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 22 May 2013 22:07:31 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/will-my-business-get-penalized#answer_4659</guid>
		<description><![CDATA[The law states that you must offer coverage. &#160;If you have a record that coverage was offered and declined then you will not be penalized. &#160;The key here is proper record keeping. &#160;There are several reasons an employee may decline your group plan &#160;They may be able to receive coverage from a spousal plan for example. &#160;There are still many questions&#160;that&#160;need addressed in the new legislation, and there is a lot of misinformation. &#160;An agent versed in the new mandates can be of help as the deadlines approach.  The coverage offered must meet the mandates affordability guidelines however.]]></description>
		<content:encoded><![CDATA[The law states that you must offer coverage. &nbsp;If you have a record that coverage was offered and declined then you will not be penalized. &nbsp;The key here is proper record keeping. &nbsp;There are several reasons an employee may decline your group plan &nbsp;They may be able to receive coverage from a spousal plan for example. &nbsp;There are still many questions&nbsp;that&nbsp;need addressed in the new legislation, and there is a lot of misinformation. &nbsp;An agent versed in the new mandates can be of help as the deadlines approach.  The coverage offered must meet the mandates affordability guidelines however.]]></content:encoded>
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		<title>Answer on How Does An Irrevocable Life Insurance Trust Work? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/how-does-an-irrevocable-life-insurance-trust-work#answer_4579</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 22 May 2013 10:22:52 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/how-does-an-irrevocable-life-insurance-trust-work#answer_4579</guid>
		<description><![CDATA[Generally a person purchases a single premium life insurance policy with the trust as the irrevocable beneficiary.  Irrevocable means that the beneficiary cannot be changed.  The Trust is usually also the owner of the policy preventing the insured from having access to the cash value.  This is an excellent way to prepay a funeral without having to commit to a specific funeral home.  These types of trusts are used to help protect assets from Medicaid.  This type of trust is a funeral trust.  There are other types of irrevocable trusts as well.  A good agent familiar with care resource planning can help answer more of your questions and provide guidance on asset conservation in the later years of life when preservation of assets becomes more important than accumulation of assets.]]></description>
		<content:encoded><![CDATA[Generally a person purchases a single premium life insurance policy with the trust as the irrevocable beneficiary.  Irrevocable means that the beneficiary cannot be changed.  The Trust is usually also the owner of the policy preventing the insured from having access to the cash value.  This is an excellent way to prepay a funeral without having to commit to a specific funeral home.  These types of trusts are used to help protect assets from Medicaid.  This type of trust is a funeral trust.  There are other types of irrevocable trusts as well.  A good agent familiar with care resource planning can help answer more of your questions and provide guidance on asset conservation in the later years of life when preservation of assets becomes more important than accumulation of assets.]]></content:encoded>
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		<title>Answer on How Do I Buy Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/how-do-i-buy-life-insurance#answer_4550</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 21 May 2013 22:37:01 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/how-do-i-buy-life-insurance#answer_4550</guid>
		<description><![CDATA[The best wy is to sit down with a local independent life insurance agent and discuss your individual situation.  The agent knows the plans available and can help you put together a plan that is affordable and covers your needs.  This is hard to do online or through the mail or even over the phone.]]></description>
		<content:encoded><![CDATA[The best wy is to sit down with a local independent life insurance agent and discuss your individual situation.  The agent knows the plans available and can help you put together a plan that is affordable and covers your needs.  This is hard to do online or through the mail or even over the phone.]]></content:encoded>
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		<title>Answer on Will Obamacare Eliminate Medicare Advantage? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/will-obamacare-eliminate-medicare-advantage#answer_4548</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 21 May 2013 22:33:02 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/will-obamacare-eliminate-medicare-advantage#answer_4548</guid>
		<description><![CDATA[While no one can read the future I highly doubt it.  There may be some changes in the plans but Medicare Advantage is too popular to be allowed to go away completely.  I think you will see some of the smaller plans go away or get purchased by the big companies like United Healtcare or Aetna but I wouldn&#039;t worry about them going away completely.]]></description>
		<content:encoded><![CDATA[While no one can read the future I highly doubt it.  There may be some changes in the plans but Medicare Advantage is too popular to be allowed to go away completely.  I think you will see some of the smaller plans go away or get purchased by the big companies like United Healtcare or Aetna but I wouldn't worry about them going away completely.]]></content:encoded>
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		<title>Answer on When Does Short Term Disability Insurance Kick In? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/disability-insurance/when-does-short-term-disability-insurance-kick-in#answer_4458</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 21 May 2013 11:23:20 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/disability-insurance/when-does-short-term-disability-insurance-kick-in#answer_4458</guid>
		<description><![CDATA[It depends on your policy.  Each policy is different.  A disability policy has what is called an elimination period.  This is similar to a deductible.  The policy will start paying after a specified period of time.  The longer the elimination period the lower the premium.  Check your policy or have it reviewed by a good independent agent.  If it is a group policy check with your employer benefits administrator.]]></description>
		<content:encoded><![CDATA[It depends on your policy.  Each policy is different.  A disability policy has what is called an elimination period.  This is similar to a deductible.  The policy will start paying after a specified period of time.  The longer the elimination period the lower the premium.  Check your policy or have it reviewed by a good independent agent.  If it is a group policy check with your employer benefits administrator.]]></content:encoded>
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	<item>
		<title>Answer on Does Homeowners Insurance Cover Downed Trees? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/does-homeowners-insurance-cover-downed-trees#answer_4449</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 21 May 2013 10:51:26 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/does-homeowners-insurance-cover-downed-trees#answer_4449</guid>
		<description><![CDATA[While in most cases it will not cover the tree itself it will cover the damage caused by a downed tree and if necessary removal of the tree from the damaged structure.  If a tree falls on your house, the damage will be covered and the tree removed.  The tree itself will not be replaced.]]></description>
		<content:encoded><![CDATA[While in most cases it will not cover the tree itself it will cover the damage caused by a downed tree and if necessary removal of the tree from the damaged structure.  If a tree falls on your house, the damage will be covered and the tree removed.  The tree itself will not be replaced.]]></content:encoded>
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		<title>Answer on Is Whole Life Insurance Or Term Better? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/is-whole-life-insurance-or-term-better#answer_4447</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 21 May 2013 10:42:42 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/is-whole-life-insurance-or-term-better#answer_4447</guid>
		<description><![CDATA[The policy in force when you die is always the best policy.  Seriously though, it depends on the reason for the insurance.  Each case is different.  Term insurance is generally for short term needs.  To provide extra protection while raising a family,or   to cover a mortgage or other debts.  Whole life is designed to be there when you die, hopefully at a ripe old age.  Sit down with a good independent agent and discuss your personal situation.  A good agent will help you find a plan that covers your needs and fits your budget.]]></description>
		<content:encoded><![CDATA[The policy in force when you die is always the best policy.  Seriously though, it depends on the reason for the insurance.  Each case is different.  Term insurance is generally for short term needs.  To provide extra protection while raising a family,or   to cover a mortgage or other debts.  Whole life is designed to be there when you die, hopefully at a ripe old age.  Sit down with a good independent agent and discuss your personal situation.  A good agent will help you find a plan that covers your needs and fits your budget.]]></content:encoded>
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		<title>Answer on How Much Does Medicare Allow For Cataract Surgery? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/how-much-does-medicare-allow-for-cataract-surgery#answer_4445</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 21 May 2013 10:30:53 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/how-much-does-medicare-allow-for-cataract-surgery#answer_4445</guid>
		<description><![CDATA[Cataract surgery is generally performed under Part B.  It will cover 80% of the approved amount.  If the doctor accepts Medicare then he will be required to accept whatever Medicare approves.  You are only responsible for 20%.  Some states allow 15% excess charges over what Medicare approves.  The exact amount Medicare approves would depend on the way the charge is billed.  Ask your doctor what Medicare usually pays.  This may help give you an idea of your responsibility.]]></description>
		<content:encoded><![CDATA[Cataract surgery is generally performed under Part B.  It will cover 80% of the approved amount.  If the doctor accepts Medicare then he will be required to accept whatever Medicare approves.  You are only responsible for 20%.  Some states allow 15% excess charges over what Medicare approves.  The exact amount Medicare approves would depend on the way the charge is billed.  Ask your doctor what Medicare usually pays.  This may help give you an idea of your responsibility.]]></content:encoded>
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		<title>Answer on Can A Home Insurance Company Drop You? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/can-a-home-insurance-company-drop-you#answer_4444</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 21 May 2013 10:23:35 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/can-a-home-insurance-company-drop-you#answer_4444</guid>
		<description><![CDATA[Any Home or Auto insurance company can drop you.  Home insurance is not guaranteed renewable.  The company has a right to drop you or raise your premium at each renewal.  This can be done because of claims experience, deterioration and maintenance of your home, or in some cases a company will pull out of an area or state completely.  This happened in Florida because of the frequency of hurricanes.]]></description>
		<content:encoded><![CDATA[Any Home or Auto insurance company can drop you.  Home insurance is not guaranteed renewable.  The company has a right to drop you or raise your premium at each renewal.  This can be done because of claims experience, deterioration and maintenance of your home, or in some cases a company will pull out of an area or state completely.  This happened in Florida because of the frequency of hurricanes.]]></content:encoded>
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		<title>Answer on What Is The Average Deductible For Renters Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/renters-insurance/what-is-the-average-deductible-for-renters-insurance#answer_4443</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 21 May 2013 10:19:30 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/renters-insurance/what-is-the-average-deductible-for-renters-insurance#answer_4443</guid>
		<description><![CDATA[When you take out your policy you can choose your deductible.  Most people today are choosing either $500 or $1000 deductibles.  I have seen some at $250.  very few people have a $100 deductible today because of the difference in premium.  When choosing your deductible look at the differences in premium.  It usually makes more sense to choose the higher deductible.]]></description>
		<content:encoded><![CDATA[When you take out your policy you can choose your deductible.  Most people today are choosing either $500 or $1000 deductibles.  I have seen some at $250.  very few people have a $100 deductible today because of the difference in premium.  When choosing your deductible look at the differences in premium.  It usually makes more sense to choose the higher deductible.]]></content:encoded>
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		<title>Answer on Does Health Insurance Cover Transgender Surgery? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/does-health-insurance-cover-transgender-surgery#answer_4442</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 21 May 2013 10:16:08 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/does-health-insurance-cover-transgender-surgery#answer_4442</guid>
		<description><![CDATA[Unless there is a sound Medical reason such as an accident that makes such surgery necessary or perhaps a hermaphrodite situation the answer in most cases would be no, at least I do not know if any company that would cover it.  Transgender surgery is considered elective and is not necessary for the physical health and well being of the individual.]]></description>
		<content:encoded><![CDATA[Unless there is a sound Medical reason such as an accident that makes such surgery necessary or perhaps a hermaphrodite situation the answer in most cases would be no, at least I do not know if any company that would cover it.  Transgender surgery is considered elective and is not necessary for the physical health and well being of the individual.]]></content:encoded>
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		<title>Answer on Is Self-Employed Disability Insurance Tax Deductible? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/disability-insurance/is-self-employed-disability-insurance-tax-deductible#answer_4306</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 20 May 2013 11:20:48 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/disability-insurance/is-self-employed-disability-insurance-tax-deductible#answer_4306</guid>
		<description><![CDATA[Check with your tax adviser, but as a general answer, yes it would be.  In most cases a self employed individual can deduct premiums, including disability insurance, from their taxes.  There may be some changes in this regard with implementation of the Affordable Care Act so again, check with your tax adviser.]]></description>
		<content:encoded><![CDATA[Check with your tax adviser, but as a general answer, yes it would be.  In most cases a self employed individual can deduct premiums, including disability insurance, from their taxes.  There may be some changes in this regard with implementation of the Affordable Care Act so again, check with your tax adviser.]]></content:encoded>
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		<title>Answer on Why Did My Health Insurance Premium Increase? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/why-did-my-health-insurance-premium-increase#answer_4301</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 20 May 2013 11:16:42 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/why-did-my-health-insurance-premium-increase#answer_4301</guid>
		<description><![CDATA[More and more companies are increasing rates due to implementation of the Affordable Care Act soo nto come.  The companies are going to be forced to cover risks that they would otherwise have refused, and they are preparing for it.  Also medical costs are rising plus rates rise because you get older.  All of these factors are considered in your rate increase.]]></description>
		<content:encoded><![CDATA[More and more companies are increasing rates due to implementation of the Affordable Care Act soo nto come.  The companies are going to be forced to cover risks that they would otherwise have refused, and they are preparing for it.  Also medical costs are rising plus rates rise because you get older.  All of these factors are considered in your rate increase.]]></content:encoded>
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		<title>Answer on How Do You Notify Medicare Of A Death? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/how-do-you-notify-medicare-of-a-death#answer_3805</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 15 May 2013 11:07:09 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/how-do-you-notify-medicare-of-a-death#answer_3805</guid>
		<description><![CDATA[All you have to do is call 1-800-Medicare or your local Social Security office.  If the person was on Medicaid you can notify your case worker and they will handle the notifications.  Do not cash any Social Security checks received after the death of the individual.  The will have to be returned.]]></description>
		<content:encoded><![CDATA[All you have to do is call 1-800-Medicare or your local Social Security office.  If the person was on Medicaid you can notify your case worker and they will handle the notifications.  Do not cash any Social Security checks received after the death of the individual.  The will have to be returned.]]></content:encoded>
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		<title>Answer on How Does It Work When You Have Two Health Insurance Policies? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/how-does-it-work-when-you-have-two-health-insurance-policies#answer_3703</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 14 May 2013 10:52:39 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/how-does-it-work-when-you-have-two-health-insurance-policies#answer_3703</guid>
		<description><![CDATA[Usually the two policy&#039;s would coordinate benefits, meaning they both would pay a percentage.  You cannot get more than the actual charges.  It really doesn&#039;t make since to carry two policies.  There are some policies designed to pay in addition to health insurance but these are not true Major Medical, they are called indemnity plans.  They help pay the expenses not covered by your health insurance such as deductibles, copay&#039;s, and loss of time from work.]]></description>
		<content:encoded><![CDATA[Usually the two policy's would coordinate benefits, meaning they both would pay a percentage.  You cannot get more than the actual charges.  It really doesn't make since to carry two policies.  There are some policies designed to pay in addition to health insurance but these are not true Major Medical, they are called indemnity plans.  They help pay the expenses not covered by your health insurance such as deductibles, copay's, and loss of time from work.]]></content:encoded>
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		<title>Answer on Can You Withdraw Money From A Term Life Insurance Policy? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/can-you-withdraw-money-from-a-term-life-insurance-policy#answer_3659</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 13 May 2013 21:05:03 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/can-you-withdraw-money-from-a-term-life-insurance-policy#answer_3659</guid>
		<description><![CDATA[No, term insurance does not have any cash value.  I compare it to renting, the premium is pure cost.  A whole Life policy cost more per month, but it builds equity in the form of cash value.  Deducting the accumulated cash value from the total premiums paid helps show the true cost of whole life insurance, which will be much less than term after 20 or 30 years.]]></description>
		<content:encoded><![CDATA[No, term insurance does not have any cash value.  I compare it to renting, the premium is pure cost.  A whole Life policy cost more per month, but it builds equity in the form of cash value.  Deducting the accumulated cash value from the total premiums paid helps show the true cost of whole life insurance, which will be much less than term after 20 or 30 years.]]></content:encoded>
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		<title>Answer on Is Medicare Enrollment Mandatory? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/is-medicare-enrollment-mandatory#answer_3564</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 13 May 2013 11:23:43 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/is-medicare-enrollment-mandatory#answer_3564</guid>
		<description><![CDATA[If you have worked and paid into the system Medicare enrollment is automatic.  You would already have paid for part A with your taxes. You can opt out of Part B but unless you have group coverage I would highly discourage it.  Even if you currently have no health problems, if you enroll in Part B after your initial eligibility period you will have a penalty tacked on to your Part B premium that could be substantial depending on the length of time you went without Part B coverage.]]></description>
		<content:encoded><![CDATA[If you have worked and paid into the system Medicare enrollment is automatic.  You would already have paid for part A with your taxes. You can opt out of Part B but unless you have group coverage I would highly discourage it.  Even if you currently have no health problems, if you enroll in Part B after your initial eligibility period you will have a penalty tacked on to your Part B premium that could be substantial depending on the length of time you went without Part B coverage.]]></content:encoded>
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		<title>Answer on Can Health Insurance Deny Pre-Existing Conditions? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/can-health-insurance-deny-pre-existing-conditions#answer_3099</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 09 May 2013 10:12:50 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/can-health-insurance-deny-pre-existing-conditions#answer_3099</guid>
		<description><![CDATA[At this time they can.&#160; With Health Care Reform that will no longer be true beginning in January 2014.&#160; No one can be denied coverage or have their rates increase due to preexisting conditions.&#160; You may also qualify for tax subsidies to help you pay for your health insurance if you fall below 400% of poverty level.&#160; Open enrollment begins in October.]]></description>
		<content:encoded><![CDATA[At this time they can.&nbsp; With Health Care Reform that will no longer be true beginning in January 2014.&nbsp; No one can be denied coverage or have their rates increase due to preexisting conditions.&nbsp; You may also qualify for tax subsidies to help you pay for your health insurance if you fall below 400% of poverty level.&nbsp; Open enrollment begins in October.]]></content:encoded>
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		<title>Answer on When Is It A Good Idea To Buy Whole Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/when-is-it-a-good-idea-to-buy-whole-life-insurance#answer_2820</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 07 May 2013 15:45:10 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/when-is-it-a-good-idea-to-buy-whole-life-insurance#answer_2820</guid>
		<description><![CDATA[With Life insurance, the younger and healthier you are the less the premiums.  I would by a policy to keep for final expenses as early as possible.  A parent can take one out on a child for example.  Make sure you allow for inflation.  This would be your foundation.  then, add term, invest, whatever you want to do.]]></description>
		<content:encoded><![CDATA[With Life insurance, the younger and healthier you are the less the premiums.  I would by a policy to keep for final expenses as early as possible.  A parent can take one out on a child for example.  Make sure you allow for inflation.  This would be your foundation.  then, add term, invest, whatever you want to do.]]></content:encoded>
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		<title>Answer on Who Is Exempt From Purchasing Health Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/who-is-exempt-from-purchasing-health-insurance#answer_2762</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 07 May 2013 11:30:52 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/who-is-exempt-from-purchasing-health-insurance#answer_2762</guid>
		<description><![CDATA[With implementation of the Affordable Care Act, everyone is required to carry health insurance.  This could be as part of an employer or other group or on an individual level.  Medicare recipients already have compliant coverage.  If you qualify for Medicaid you will have compliant coverage.  If you do not pay taxes you may be able to sneak through the cracks, but for the most part be prepared to either buy health insurance or be ready to pay a tax penalty.]]></description>
		<content:encoded><![CDATA[With implementation of the Affordable Care Act, everyone is required to carry health insurance.  This could be as part of an employer or other group or on an individual level.  Medicare recipients already have compliant coverage.  If you qualify for Medicaid you will have compliant coverage.  If you do not pay taxes you may be able to sneak through the cracks, but for the most part be prepared to either buy health insurance or be ready to pay a tax penalty.]]></content:encoded>
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		<title>Answer on What Is Substandard Auto Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/what-is-substandard-auto-insurance#answer_2745</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 07 May 2013 10:29:29 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/what-is-substandard-auto-insurance#answer_2745</guid>
		<description><![CDATA[Another term for Substandard Auto Insurance is High Risk.  Auto insurance rates are based on driving record, age, insurance credit score and claim history.  If your driving record falls below what a company considers a standard risk they put you in substandard.  While it varies by company, most companies will allow two or three tickets or At Fault accidents before putting you in substandard.  A DUI will automatically put you in substandard. Insurance laws vary by state.]]></description>
		<content:encoded><![CDATA[Another term for Substandard Auto Insurance is High Risk.  Auto insurance rates are based on driving record, age, insurance credit score and claim history.  If your driving record falls below what a company considers a standard risk they put you in substandard.  While it varies by company, most companies will allow two or three tickets or At Fault accidents before putting you in substandard.  A DUI will automatically put you in substandard. Insurance laws vary by state.]]></content:encoded>
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		<title>Answer on What Does It Mean When A Life Insurance Policy Endows? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-does-it-mean-when-a-life-insurance-policy-endows#answer_2600</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 06 May 2013 10:55:17 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-does-it-mean-when-a-life-insurance-policy-endows#answer_2600</guid>
		<description><![CDATA[This is the point where a life insurance policy pays its death benfit wether you live or die.  Most life insurance policies today do not endow until age 120.  There are still some policies that will endow sooner, 20 or 30 years.  Endowment policies used to be very popular but I have not seen too many lately.  This is not to be confused with policies that are Paid up at a certain age or period.]]></description>
		<content:encoded><![CDATA[This is the point where a life insurance policy pays its death benfit wether you live or die.  Most life insurance policies today do not endow until age 120.  There are still some policies that will endow sooner, 20 or 30 years.  Endowment policies used to be very popular but I have not seen too many lately.  This is not to be confused with policies that are Paid up at a certain age or period.]]></content:encoded>
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	<item>
		<title>Answer on Can I Be Denied Life Insurance For Smoking Marijuana? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/can-i-be-denied-life-insurance-for-smoking-marijuana#answer_2596</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 06 May 2013 10:43:51 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/can-i-be-denied-life-insurance-for-smoking-marijuana#answer_2596</guid>
		<description><![CDATA[Yes, Marijuana is unfortunately considered an illegal drug so you could be denied coverage.  There are some plans you can get that offer guarantee issue with no health or drug questions. Unless the insurance requires a blood or urine, the company would probably never know you use it unless you tell them.  However if you lie on an application and die within two years of the application as a result of a drug related incident and drugs are found in your blood stream, the company can refuse the death benefit.]]></description>
		<content:encoded><![CDATA[Yes, Marijuana is unfortunately considered an illegal drug so you could be denied coverage.  There are some plans you can get that offer guarantee issue with no health or drug questions. Unless the insurance requires a blood or urine, the company would probably never know you use it unless you tell them.  However if you lie on an application and die within two years of the application as a result of a drug related incident and drugs are found in your blood stream, the company can refuse the death benefit.]]></content:encoded>
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		<title>Answer on Who Are The Best Health Insurance Companies? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/who-are-the-best-health-insurance-companies#answer_2593</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 06 May 2013 10:35:41 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/who-are-the-best-health-insurance-companies#answer_2593</guid>
		<description><![CDATA[The term &quot;best&quot; is a subjective term.  I don&#039;t feel there are any &quot;best&quot; companies since most will pay their claims. A lot depends on the are you live in as far as what plans are offered.  United Health Care is one of the largest in the world and is very competitive in most area&#039;s.  Humana has a good reputation as well as Aetna. Medical Mutual and Blue Cross are also very good.  I look at the larger stable companies.  There are some smaller companies that are good as well.  No company is perfect and you will have complaints from friends and neighbors or the internet about all of them.  My favorites would be United Health Care, Anthem Blue Cross (if available in your area) Medical Mutual, and Aetna.]]></description>
		<content:encoded><![CDATA[The term "best" is a subjective term.  I don't feel there are any "best" companies since most will pay their claims. A lot depends on the are you live in as far as what plans are offered.  United Health Care is one of the largest in the world and is very competitive in most area's.  Humana has a good reputation as well as Aetna. Medical Mutual and Blue Cross are also very good.  I look at the larger stable companies.  There are some smaller companies that are good as well.  No company is perfect and you will have complaints from friends and neighbors or the internet about all of them.  My favorites would be United Health Care, Anthem Blue Cross (if available in your area) Medical Mutual, and Aetna.]]></content:encoded>
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		<title>Answer on When Can I Start Collecting Medicare? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/when-can-i-start-collecting-medicare#answer_2501</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 05 May 2013 11:25:47 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/when-can-i-start-collecting-medicare#answer_2501</guid>
		<description><![CDATA[You will receive Medicare automatically when you reach age 65 as long as you have paid into the sytem long enough.  You can also receive Medicare if you are on Social Security Disability.  Shortly before you reach 65 you should receive your Medicare Card and some information from Medicare.  Do not opt out of Part B unless you are still covered under a group.  You also need to pick up a prescription drug plan.]]></description>
		<content:encoded><![CDATA[You will receive Medicare automatically when you reach age 65 as long as you have paid into the sytem long enough.  You can also receive Medicare if you are on Social Security Disability.  Shortly before you reach 65 you should receive your Medicare Card and some information from Medicare.  Do not opt out of Part B unless you are still covered under a group.  You also need to pick up a prescription drug plan.]]></content:encoded>
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		<title>Answer on Does Medicare Cover Knee Walkers? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/does-medicare-cover-knee-walkers#answer_2500</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 05 May 2013 11:21:52 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/does-medicare-cover-knee-walkers#answer_2500</guid>
		<description><![CDATA[As a rule, yes.  If they are medically necessary they should be covered as durable medical equipment under Medicare Part B.  Your doctor would have to prescribe them and he would generally get approval from Medicare.  You would be responsible for 20% of the Medicare approved amount.]]></description>
		<content:encoded><![CDATA[As a rule, yes.  If they are medically necessary they should be covered as durable medical equipment under Medicare Part B.  Your doctor would have to prescribe them and he would generally get approval from Medicare.  You would be responsible for 20% of the Medicare approved amount.]]></content:encoded>
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		<title>Answer on When Can Medicare Supplement Plans Be Changed? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/when-can-medicare-supplement-plans-be-changed#answer_2499</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 05 May 2013 11:17:24 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/when-can-medicare-supplement-plans-be-changed#answer_2499</guid>
		<description><![CDATA[Medicare supplements are not under the same rules as Medicare Advantage.  You may change Supplements at any time providing you can meet the companies underwriting.  Your prescription plan can only be changed during the annual election period starting in October.  As long as your health is good you should have no problems changing your Medicare Supplement plan.]]></description>
		<content:encoded><![CDATA[Medicare supplements are not under the same rules as Medicare Advantage.  You may change Supplements at any time providing you can meet the companies underwriting.  Your prescription plan can only be changed during the annual election period starting in October.  As long as your health is good you should have no problems changing your Medicare Supplement plan.]]></content:encoded>
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		<title>Answer on Who Sells Medigap? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/who-sells-medigap#answer_2412</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 04 May 2013 10:37:36 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/who-sells-medigap#answer_2412</guid>
		<description><![CDATA[There are many insurance companies that offer Medigap or Medicare Supplement policies (the two are the same).  It will depend on the state in which you live as far as what companies are approved to sell the plans.AARP United Healthcare offer plans in nearly every State.  Mutual of Omaha, Standard Life, Humana, Anthem Blue Cross, and many others.  Talk with a local agent who specializes in Medigap insurance to select a plan competitive in your area.]]></description>
		<content:encoded><![CDATA[There are many insurance companies that offer Medigap or Medicare Supplement policies (the two are the same).  It will depend on the state in which you live as far as what companies are approved to sell the plans.AARP United Healthcare offer plans in nearly every State.  Mutual of Omaha, Standard Life, Humana, Anthem Blue Cross, and many others.  Talk with a local agent who specializes in Medigap insurance to select a plan competitive in your area.]]></content:encoded>
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		<title>Answer on Which Medicare Plan Should I Choose? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/which-medicare-plan-should-i-choose#answer_2408</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 04 May 2013 10:13:31 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/which-medicare-plan-should-i-choose#answer_2408</guid>
		<description><![CDATA[It depends on your area and individual circumstances.  There is no one best plan.  A good agent will analyze your needs and circumstances and help you choose the plan that works best for you and your goals.  Medicare Advantage Plans differ according to area/  Medicare Supplements, while the plans offer the same coverage company to company, there is a whole alphabet of options.  Plan F will offer the most comprehensive coverage, but it is also the most expensive.  If you do not mind paying a little out of pocket, thee is a high deductible Plan F that is very affordable.  Don&#039;t let the term High Deductible concern you.  Medicare pays their 80% until your deductible is paid,so its not a bad deal.  Plan N is another option if you do not mind doctors copay&#039;s.  Sit down with a good experienced agent who specializes in both Medicare Supplements and Medicare Advantage and go over your options.]]></description>
		<content:encoded><![CDATA[It depends on your area and individual circumstances.  There is no one best plan.  A good agent will analyze your needs and circumstances and help you choose the plan that works best for you and your goals.  Medicare Advantage Plans differ according to area/  Medicare Supplements, while the plans offer the same coverage company to company, there is a whole alphabet of options.  Plan F will offer the most comprehensive coverage, but it is also the most expensive.  If you do not mind paying a little out of pocket, thee is a high deductible Plan F that is very affordable.  Don't let the term High Deductible concern you.  Medicare pays their 80% until your deductible is paid,so its not a bad deal.  Plan N is another option if you do not mind doctors copay's.  Sit down with a good experienced agent who specializes in both Medicare Supplements and Medicare Advantage and go over your options.]]></content:encoded>
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		<title>Answer on What Does Contingent Mean On Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-does-contingent-mean-on-life-insurance#answer_2210</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 02 May 2013 11:25:09 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-does-contingent-mean-on-life-insurance#answer_2210</guid>
		<description><![CDATA[Life insurance policies can have a contingent beneficiary or contingent owner.  This simply means that if something happens that the primary beneficiary or owner predeceases the insured then the policy proceeds or ownership transfers to the contingent (or secondary) owner or beneficiary.  If both predecease the insured then any funds from the policy would go into the estate.]]></description>
		<content:encoded><![CDATA[Life insurance policies can have a contingent beneficiary or contingent owner.  This simply means that if something happens that the primary beneficiary or owner predeceases the insured then the policy proceeds or ownership transfers to the contingent (or secondary) owner or beneficiary.  If both predecease the insured then any funds from the policy would go into the estate.]]></content:encoded>
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		<title>Answer on When Does Medicare Advantage Go Away? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/when-does-medicare-advantage-go-away#answer_2072</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 01 May 2013 10:41:02 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/when-does-medicare-advantage-go-away#answer_2072</guid>
		<description><![CDATA[Medicare Advantage is not going away.  There may be some changes to the plans and some of the smaller carriers may be absorbed by larger ones, but I see no real danger at this point, despite what some are trying to say.  Seniors want Medicare Advantage because it works for them.]]></description>
		<content:encoded><![CDATA[Medicare Advantage is not going away.  There may be some changes to the plans and some of the smaller carriers may be absorbed by larger ones, but I see no real danger at this point, despite what some are trying to say.  Seniors want Medicare Advantage because it works for them.]]></content:encoded>
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		<title>Answer on At What Age Can A Person Go On Medicare? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/at-what-age-can-a-person-go-on-medicare#answer_1932</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 30 Apr 2013 10:46:14 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/at-what-age-can-a-person-go-on-medicare#answer_1932</guid>
		<description><![CDATA[You automatically qualify and are enrolled when you reach age 65 as long as you meet the work requirement.  Most people will meet these requirements if they have worked and paid into the system.  You can also qualify if you receive Social Security Disability and are disabled for two years or more.]]></description>
		<content:encoded><![CDATA[You automatically qualify and are enrolled when you reach age 65 as long as you meet the work requirement.  Most people will meet these requirements if they have worked and paid into the system.  You can also qualify if you receive Social Security Disability and are disabled for two years or more.]]></content:encoded>
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		<title>Answer on When Can I Change My Medicare HMO? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/when-can-i-change-my-medicare-hmo#answer_1931</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 30 Apr 2013 10:42:36 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/when-can-i-change-my-medicare-hmo#answer_1931</guid>
		<description><![CDATA[You can change Medicare Plans and prescription drug plans every year from October 7 to December 15th.  You can also change plans if you move out of the service area or lose your coverage.  If you qualify for Extra Help with prescriptions or are on Medicaid you can change anytime during the year.  These are called Special Election Periods.]]></description>
		<content:encoded><![CDATA[You can change Medicare Plans and prescription drug plans every year from October 7 to December 15th.  You can also change plans if you move out of the service area or lose your coverage.  If you qualify for Extra Help with prescriptions or are on Medicaid you can change anytime during the year.  These are called Special Election Periods.]]></content:encoded>
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		<title>Answer on Can You Lose Your Medicare Coverage? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/can-you-lose-your-medicare-coverage#answer_1847</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 29 Apr 2013 11:36:25 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/can-you-lose-your-medicare-coverage#answer_1847</guid>
		<description><![CDATA[If you are incarcerated in prison for a length of time you will lose your Medicare until released.; If you are on Medicare Disability and return to the work force and lose Social Security you are no longer eligible. As a rule however, you will not lose your Medicare Coverage.]]></description>
		<content:encoded><![CDATA[If you are incarcerated in prison for a length of time you will lose your Medicare until released.; If you are on Medicare Disability and return to the work force and lose Social Security you are no longer eligible. As a rule however, you will not lose your Medicare Coverage.]]></content:encoded>
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		<title>Answer on What Insurance Do I Need For A Home Business? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/what-insurance-do-i-need-for-a-home-business#answer_1846</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 29 Apr 2013 11:32:49 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/what-insurance-do-i-need-for-a-home-business#answer_1846</guid>
		<description><![CDATA[It depends on the nature of the business.  If you have a steady stream of customers coming to your business then you may at least want to consider increasing your liability limits.  You may also want to add coverage for business pursuits to your homeowners policy.  The best thing is to speak with your agent, let him know what you are doing and have him guide you.]]></description>
		<content:encoded><![CDATA[It depends on the nature of the business.  If you have a steady stream of customers coming to your business then you may at least want to consider increasing your liability limits.  You may also want to add coverage for business pursuits to your homeowners policy.  The best thing is to speak with your agent, let him know what you are doing and have him guide you.]]></content:encoded>
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		<title>Answer on What Determines How Much Life Insurance You Need? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-determines-how-much-life-insurance-you-need#answer_1845</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 29 Apr 2013 11:28:31 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-determines-how-much-life-insurance-you-need#answer_1845</guid>
		<description><![CDATA[The reason you are purchasing the insurance and your circumstances.  Are you married?  Do you have children?  Do you have a mortgage and other debt?  Are you planning on sending your children to college?  What about Final Expenses?  Does your wife or husband work?  Will they need any money to help them until Social Security for the minor children starts?  All these things need to be taken into consideration.  A good experienced life insurance agent will help you determine what your needs are and recommend a plan of action that is affordable.]]></description>
		<content:encoded><![CDATA[The reason you are purchasing the insurance and your circumstances.  Are you married?  Do you have children?  Do you have a mortgage and other debt?  Are you planning on sending your children to college?  What about Final Expenses?  Does your wife or husband work?  Will they need any money to help them until Social Security for the minor children starts?  All these things need to be taken into consideration.  A good experienced life insurance agent will help you determine what your needs are and recommend a plan of action that is affordable.]]></content:encoded>
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		<title>Answer on Does Homeowners Insurance Cover A Lost Diamond? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/does-homeowners-insurance-cover-a-lost-diamond#answer_1779</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 28 Apr 2013 11:28:02 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/does-homeowners-insurance-cover-a-lost-diamond#answer_1779</guid>
		<description><![CDATA[If the jewelry is a scheduled item it would cover it in most cases.  Scheduling an item means that it is specifically listed on the policy for an appraised amount.  If you own expensive items it is always best to get them appraised and scheduled.  Jewelry is covered under a homeowners policy for specific perils, but only up to an aggregate limit.  Check with your agent and have him review your coverage with you.]]></description>
		<content:encoded><![CDATA[If the jewelry is a scheduled item it would cover it in most cases.  Scheduling an item means that it is specifically listed on the policy for an appraised amount.  If you own expensive items it is always best to get them appraised and scheduled.  Jewelry is covered under a homeowners policy for specific perils, but only up to an aggregate limit.  Check with your agent and have him review your coverage with you.]]></content:encoded>
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		<title>Answer on Does Globe Life Insurance Have Cash Value? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/does-globe-life-insurance-have-cash-value#answer_1778</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 28 Apr 2013 11:23:10 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/does-globe-life-insurance-have-cash-value#answer_1778</guid>
		<description><![CDATA[It depends on the policy.  If it is a Whole Life then it would build some cash value.  Any time you purchase insurance it is important to know what you are buying.  This is why I suggest buying from an experienced local agent.  The average person does not read the fine print when receiving mail or TV solicitations.  As a result they think they purchased Whole Life, for example, and later found out it was Term, after the term ran out and they are 86 years old with no insurance.  Plus with a local agent your are going to get local service, not speaking with someone over the phone who may not be aware of your circumstances.]]></description>
		<content:encoded><![CDATA[It depends on the policy.  If it is a Whole Life then it would build some cash value.  Any time you purchase insurance it is important to know what you are buying.  This is why I suggest buying from an experienced local agent.  The average person does not read the fine print when receiving mail or TV solicitations.  As a result they think they purchased Whole Life, for example, and later found out it was Term, after the term ran out and they are 86 years old with no insurance.  Plus with a local agent your are going to get local service, not speaking with someone over the phone who may not be aware of your circumstances.]]></content:encoded>
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		<title>Answer on Do I Need An Appraisal To Get Home Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/do-i-need-an-appraisal-to-get-home-insurance#answer_1775</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 28 Apr 2013 11:06:06 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/do-i-need-an-appraisal-to-get-home-insurance#answer_1775</guid>
		<description><![CDATA[No, in most cases your home insurance is based on the replacement cost.  Your agent will either measure your home or obtain the information from the county auditor website.  They take in consideration the type of home, number of baths, construction, when it was built and a variety of other things to come up with replacement cost.  There is also a Market Value policy which pays just the market value of the policy.]]></description>
		<content:encoded><![CDATA[No, in most cases your home insurance is based on the replacement cost.  Your agent will either measure your home or obtain the information from the county auditor website.  They take in consideration the type of home, number of baths, construction, when it was built and a variety of other things to come up with replacement cost.  There is also a Market Value policy which pays just the market value of the policy.]]></content:encoded>
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		<title>Answer on How Much Does Auto Insurance Increase After Speeding Ticket? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/how-much-does-auto-insurance-increase-after-speeding-ticket#answer_1740</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 27 Apr 2013 10:57:10 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/how-much-does-auto-insurance-increase-after-speeding-ticket#answer_1740</guid>
		<description><![CDATA[Most insurance companies will give you one speeding ticket, in fact since most companies only do periodic checks, they may not know about the ticket right away.  The effect on your rates should be minimal if at all.  This varies by company however so check with your local agent.  Do not call the insurance company to ask them directly however.  That phone call could result in a check and depending on the company, could result in an increase if you have more than the one incident on your record or you are getting a discount for a perfect driving record.
 ]]></description>
		<content:encoded><![CDATA[Most insurance companies will give you one speeding ticket, in fact since most companies only do periodic checks, they may not know about the ticket right away.  The effect on your rates should be minimal if at all.  This varies by company however so check with your local agent.  Do not call the insurance company to ask them directly however.  That phone call could result in a check and depending on the company, could result in an increase if you have more than the one incident on your record or you are getting a discount for a perfect driving record.
 ]]></content:encoded>
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		<title>Answer on Does Home Insurance Cover Mold In The Attic? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/does-home-insurance-cover-mold-in-the-attic#answer_1739</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 27 Apr 2013 10:48:21 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/does-home-insurance-cover-mold-in-the-attic#answer_1739</guid>
		<description><![CDATA[As a rule the answer would be no.  Mold is caused by long standing dampness.  Your homeowners policy may cover leaking roof due to wind or other covered peril but it is not going to cover mold in most situations.  Check with your local agent to see if there are any exceptions in your policy.
 ]]></description>
		<content:encoded><![CDATA[As a rule the answer would be no.  Mold is caused by long standing dampness.  Your homeowners policy may cover leaking roof due to wind or other covered peril but it is not going to cover mold in most situations.  Check with your local agent to see if there are any exceptions in your policy.
 ]]></content:encoded>
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		<title>Answer on Does My Auto Insurance Cover A Rental Truck? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/does-my-auto-insurance-cover-a-rental-truck#answer_1653</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 25 Apr 2013 11:23:02 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/does-my-auto-insurance-cover-a-rental-truck#answer_1653</guid>
		<description><![CDATA[In most cases the answer is yes, you are covered for liability.  The rental company covers the truck.  Should you be involved in an at-fault accident, your liability coverage would pay first for any bodily injury or property damage related to that accident.  If it is a non fault accident then the rental companies insurance will generally pay.  Read the terms of your contract with the rental company and know your own policy.  If you have questions check with your insurance agent who knows the laws in your state and your specific policy.
 ]]></description>
		<content:encoded><![CDATA[In most cases the answer is yes, you are covered for liability.  The rental company covers the truck.  Should you be involved in an at-fault accident, your liability coverage would pay first for any bodily injury or property damage related to that accident.  If it is a non fault accident then the rental companies insurance will generally pay.  Read the terms of your contract with the rental company and know your own policy.  If you have questions check with your insurance agent who knows the laws in your state and your specific policy.
 ]]></content:encoded>
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		<title>Answer on What Type Of Death Does Life Insurance Cover? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-type-of-death-does-life-insurance-cover#answer_1650</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 25 Apr 2013 11:10:27 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-type-of-death-does-life-insurance-cover#answer_1650</guid>
		<description><![CDATA[Unless you have an accidental death policy, your Life insurance would cover any type of death.  Some policies may exclude war or act of war.  Most policies also have a two year suicide clause, stating they will not pay if you commit suicide within two years of policy issue.  There is also a two year incontestability clause which gives the insurance company the right to contest the pay out if they feel that there was erroneous information provided on the application that was relied upon to issue the policy within two years of policy issue..
 ]]></description>
		<content:encoded><![CDATA[Unless you have an accidental death policy, your Life insurance would cover any type of death.  Some policies may exclude war or act of war.  Most policies also have a two year suicide clause, stating they will not pay if you commit suicide within two years of policy issue.  There is also a two year incontestability clause which gives the insurance company the right to contest the pay out if they feel that there was erroneous information provided on the application that was relied upon to issue the policy within two years of policy issue..
 ]]></content:encoded>
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		<title>Answer on How Does Medicare Supplemental Insurance Work? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/how-does-medicare-supplemental-insurance-work#answer_1644</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 25 Apr 2013 10:46:32 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/how-does-medicare-supplemental-insurance-work#answer_1644</guid>
		<description><![CDATA[Medicare Supplements help pay the deductibles and copay&#039;s of Medicare.  Depending on the plan you choose you could have nearly 100% of you covered medical expenses covered.  Medicare was never designed to pay all of your Medical costs.  If you get sick you could end up with thousands of dollars in out of pocket costs with just one trip to the hospital  A good Medicare Supplement is worth the investment if you can afford the premium.  If not then look at a good Medicare Advantage Plan.
 ]]></description>
		<content:encoded><![CDATA[Medicare Supplements help pay the deductibles and copay's of Medicare.  Depending on the plan you choose you could have nearly 100% of you covered medical expenses covered.  Medicare was never designed to pay all of your Medical costs.  If you get sick you could end up with thousands of dollars in out of pocket costs with just one trip to the hospital  A good Medicare Supplement is worth the investment if you can afford the premium.  If not then look at a good Medicare Advantage Plan.
 ]]></content:encoded>
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		<title>Answer on Does Home Insurance Cover Acts Of God? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/does-home-insurance-cover-acts-of-god#answer_1599</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 24 Apr 2013 14:26:56 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/does-home-insurance-cover-acts-of-god#answer_1599</guid>
		<description><![CDATA[Acts of God is a very vague term and really doesn&#039;t come into play on a legal basis.  Home insurance has two different main coverages.  There is All risk and Named peril.  All risk would cover anything that happens to your home unless specifically excluded.  This is the most comprehensive form of home insurance.  Named peril will cover those perils specifically named in your policy, Fire, Lightening, Wind, Hail etc.  Check with your agent to see what policy form you have.
 ]]></description>
		<content:encoded><![CDATA[Acts of God is a very vague term and really doesn't come into play on a legal basis.  Home insurance has two different main coverages.  There is All risk and Named peril.  All risk would cover anything that happens to your home unless specifically excluded.  This is the most comprehensive form of home insurance.  Named peril will cover those perils specifically named in your policy, Fire, Lightening, Wind, Hail etc.  Check with your agent to see what policy form you have.
 ]]></content:encoded>
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		<title>Answer on Does Renters Insurance Cover Borrowed Items? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/renters-insurance/does-renters-insurance-cover-borrowed-items#answer_1499</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 22 Apr 2013 10:35:59 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/renters-insurance/does-renters-insurance-cover-borrowed-items#answer_1499</guid>
		<description><![CDATA[It would depend on the nature of the loss.  Since the item was in your care, custody and control the item would be covered the same as if you owned it.  Remember to check your deductible however.  If your deductible is $500 and the item is valued at $600 it really wouldn&#039;t make sense to turn in a claim.  All you would get is $100 anyway.
 ]]></description>
		<content:encoded><![CDATA[It would depend on the nature of the loss.  Since the item was in your care, custody and control the item would be covered the same as if you owned it.  Remember to check your deductible however.  If your deductible is $500 and the item is valued at $600 it really wouldn't make sense to turn in a claim.  All you would get is $100 anyway.
 ]]></content:encoded>
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		<title>Answer on What Does Face Amount Mean In Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-does-face-amount-mean-in-life-insurance#answer_1497</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 22 Apr 2013 10:24:43 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-does-face-amount-mean-in-life-insurance#answer_1497</guid>
		<description><![CDATA[The face amount of the policy represents the  face amount the policy is scheduled to pay out.  In the case of a graded death benefit the policy will pay a reduced amount for the first 2 or three policy years before going to the actual face amount.  Some companies pay dividends.  These dividends can be used to buy additional insurance thus increasing the death benefit.  But dividends are not guaranteed  Should you die the beneficiary would receive the Face amount of the policy plus any paid up insurance accumulated by the dividends.  In the case of a Universal Life policy, the policy would pay the face amount plus if you choose you can have the death benefit increased by any cash value accumulated in the policy.  Because of the nature of Universal Life you need to make sure you are paying sufficient premium to keep the policy in force, otherwise the policy would lose the death benefit entirely.  Always read your annual statement if you have a Universal Life policy.
 ]]></description>
		<content:encoded><![CDATA[The face amount of the policy represents the  face amount the policy is scheduled to pay out.  In the case of a graded death benefit the policy will pay a reduced amount for the first 2 or three policy years before going to the actual face amount.  Some companies pay dividends.  These dividends can be used to buy additional insurance thus increasing the death benefit.  But dividends are not guaranteed  Should you die the beneficiary would receive the Face amount of the policy plus any paid up insurance accumulated by the dividends.  In the case of a Universal Life policy, the policy would pay the face amount plus if you choose you can have the death benefit increased by any cash value accumulated in the policy.  Because of the nature of Universal Life you need to make sure you are paying sufficient premium to keep the policy in force, otherwise the policy would lose the death benefit entirely.  Always read your annual statement if you have a Universal Life policy.
 ]]></content:encoded>
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		<title>Answer on Does Homeowners Insurance Cover Lightning Strikes And Broken TVs? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/does-homeowners-insurance-cover-lightning-strikes-and-broken-tvs#answer_1394</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 19 Apr 2013 10:58:23 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/does-homeowners-insurance-cover-lightning-strikes-and-broken-tvs#answer_1394</guid>
		<description><![CDATA[In most cases yes, if the broken TV is a result of a lightning strike or other covered peril.  The key here would be your deductible.  If you have a $500 deductible and it will cost $600 to replace your TV why turn it in?  Your insurance rates may go up and you end up losing money.  Any time you have a question regarding coverage always call your agent first.  He can help you decide if it is worth turning in.]]></description>
		<content:encoded><![CDATA[In most cases yes, if the broken TV is a result of a lightning strike or other covered peril.  The key here would be your deductible.  If you have a $500 deductible and it will cost $600 to replace your TV why turn it in?  Your insurance rates may go up and you end up losing money.  Any time you have a question regarding coverage always call your agent first.  He can help you decide if it is worth turning in.]]></content:encoded>
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		<title>Answer on What Is The Best Insurance To Go With Medicare? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/what-is-the-best-insurance-to-go-with-medicare#answer_1336</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 18 Apr 2013 11:24:49 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/what-is-the-best-insurance-to-go-with-medicare#answer_1336</guid>
		<description><![CDATA[The best plan is one that fits your incdividual needs and budget.  Medicare supplement plan F offers the most coverage however it is obviously the most expensive.  Since Medicare Supplements are standardized by the government there are no differences in the plans except for premium.  But don&#039;t let premium be your onl;y deciding factor.  I have seen companies go into a State with very low rates only to increase those rates by as high as 30 to 50 % withing a year.  Also most plans are attained age rated meaning that you will get a rate increase each year just because you got older.  These plans are less expensive in the younger years but when you get older they can become unaffordable.  A good agent will explain your options based upon your health, finances, and travel habits.  That is why I recommend finding a good local agent with experience in the senior insurance market with a good reputation.  There are too many agents out there looking to just make a commission.  Buying insurance over the internet is risky because you may not know all the information a good agent may have.]]></description>
		<content:encoded><![CDATA[The best plan is one that fits your incdividual needs and budget.  Medicare supplement plan F offers the most coverage however it is obviously the most expensive.  Since Medicare Supplements are standardized by the government there are no differences in the plans except for premium.  But don't let premium be your onl;y deciding factor.  I have seen companies go into a State with very low rates only to increase those rates by as high as 30 to 50 % withing a year.  Also most plans are attained age rated meaning that you will get a rate increase each year just because you got older.  These plans are less expensive in the younger years but when you get older they can become unaffordable.  A good agent will explain your options based upon your health, finances, and travel habits.  That is why I recommend finding a good local agent with experience in the senior insurance market with a good reputation.  There are too many agents out there looking to just make a commission.  Buying insurance over the internet is risky because you may not know all the information a good agent may have.]]></content:encoded>
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		<title>Answer on Does Life Insurance Know If You Smoke? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/does-life-insurance-know-if-you-smoke#answer_1255</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 16 Apr 2013 10:57:58 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/does-life-insurance-know-if-you-smoke#answer_1255</guid>
		<description><![CDATA[If you begin smoking after the policy is issued then the answer is no.  Most companies have a question on the application regarding smoking and depending on the policy you are purchasing they may require a blood urine or saliva test and will check for smoking before issuing a policy.  If you lie an an application and  you die within two years and the company finds out then your policy will not pay the death benefit.  This is considered insurance fraud.]]></description>
		<content:encoded><![CDATA[If you begin smoking after the policy is issued then the answer is no.  Most companies have a question on the application regarding smoking and depending on the policy you are purchasing they may require a blood urine or saliva test and will check for smoking before issuing a policy.  If you lie an an application and  you die within two years and the company finds out then your policy will not pay the death benefit.  This is considered insurance fraud.]]></content:encoded>
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		<title>Answer on Do I Need Earthquake Insurance My Home? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/do-i-need-earthquake-insurance-my-home#answer_1250</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 16 Apr 2013 10:29:06 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/do-i-need-earthquake-insurance-my-home#answer_1250</guid>
		<description><![CDATA[A lot depends on the area you live in.  Generally, unless you are somewhere like California, earthquake coverage is inexpensive and its not a bad idea to add it if it is not already included.  Some companies may require it.  Ohio where I live for example, is not know for it&#039;s earthquakes however we have had a few relatively minor ones that has caused damage.  Unless you are in an area where there is no chance of an earthquake I would recommend it.]]></description>
		<content:encoded><![CDATA[A lot depends on the area you live in.  Generally, unless you are somewhere like California, earthquake coverage is inexpensive and its not a bad idea to add it if it is not already included.  Some companies may require it.  Ohio where I live for example, is not know for it's earthquakes however we have had a few relatively minor ones that has caused damage.  Unless you are in an area where there is no chance of an earthquake I would recommend it.]]></content:encoded>
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		<title>Answer on Does An Auto Lease Include Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/does-an-auto-lease-include-insurance#answer_1177</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 15 Apr 2013 11:29:01 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/does-an-auto-lease-include-insurance#answer_1177</guid>
		<description><![CDATA[Yes in fact most dealers will not lease you a vehicle unless you carry full coverage insurance with specified limits.  Generally those limits are at least $300,000 in liability and $1000 or less deductible on your collision coverage.  When you lease a vehicle the dealer technically still owns the car and he is going to make sure he is protected.]]></description>
		<content:encoded><![CDATA[Yes in fact most dealers will not lease you a vehicle unless you carry full coverage insurance with specified limits.  Generally those limits are at least $300,000 in liability and $1000 or less deductible on your collision coverage.  When you lease a vehicle the dealer technically still owns the car and he is going to make sure he is protected.]]></content:encoded>
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		<title>Answer on Does Bank Owned Life Insurance Work? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/does-bank-owned-life-insurance-work#answer_1169</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 15 Apr 2013 10:48:13 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/does-bank-owned-life-insurance-work#answer_1169</guid>
		<description><![CDATA[Generally Bank owned life insurance is designed to protect the bank if you take out a loan.  I usually recommend buying your own policy.  It gives your beneficiary more options.  For example, mortgage insurance is usually offered by a bank.  It can also be purchased on your own.  Both would pay off the mortgage if you die.  With the bank owned policy, that is the only choice.  What if your spouse doesn&#039;t want or need to pay off the mortgage however.  This is not always the best option.  If you own the policy, your wife or beneficiary may choose to invest the life insurance funds and use the interest to help make mortgage payments.  Or the money would be more advantageous elsewhere.  Mortgage life  insurance with the bank is tied to that mortgage.  What if you move?  Owning your own policy is portable, you can take it with you to your new home.  I usually recommend level term to cover a mortgage.  That way you have extra protection as your mortgage decreases because the death benefit will stay level.  With a banks mortgage life insurance it just pays off the mortgage to the bank on that loan.  Yes it works, but you are better off with your own policy.]]></description>
		<content:encoded><![CDATA[Generally Bank owned life insurance is designed to protect the bank if you take out a loan.  I usually recommend buying your own policy.  It gives your beneficiary more options.  For example, mortgage insurance is usually offered by a bank.  It can also be purchased on your own.  Both would pay off the mortgage if you die.  With the bank owned policy, that is the only choice.  What if your spouse doesn't want or need to pay off the mortgage however.  This is not always the best option.  If you own the policy, your wife or beneficiary may choose to invest the life insurance funds and use the interest to help make mortgage payments.  Or the money would be more advantageous elsewhere.  Mortgage life  insurance with the bank is tied to that mortgage.  What if you move?  Owning your own policy is portable, you can take it with you to your new home.  I usually recommend level term to cover a mortgage.  That way you have extra protection as your mortgage decreases because the death benefit will stay level.  With a banks mortgage life insurance it just pays off the mortgage to the bank on that loan.  Yes it works, but you are better off with your own policy.]]></content:encoded>
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		<title>Answer on Does Car Insurance Cover Occasional Drivers? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/does-car-insurance-cover-occasional-drivers#answer_939</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 12 Apr 2013 12:24:35 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/does-car-insurance-cover-occasional-drivers#answer_939</guid>
		<description><![CDATA[If you mean a family member living in your household then the driver should be listed on your policy as an occasional operator.  You can lend your vehicle to someone on occasion and they would be covered however keep this in mind:  In most states the Insurance first follows the driver and then the vehicle.  If the person you let drive your car has insurance and is involved in an accident, that persons insurance would pay.  If they do not have insurance YOUR insurance pays, resulting in possible rate increases.  My advice is NEVER lend your car to someone who does not have insurance!]]></description>
		<content:encoded><![CDATA[If you mean a family member living in your household then the driver should be listed on your policy as an occasional operator.  You can lend your vehicle to someone on occasion and they would be covered however keep this in mind:  In most states the Insurance first follows the driver and then the vehicle.  If the person you let drive your car has insurance and is involved in an accident, that persons insurance would pay.  If they do not have insurance YOUR insurance pays, resulting in possible rate increases.  My advice is NEVER lend your car to someone who does not have insurance!]]></content:encoded>
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		<title>Answer on How Can I Tell If My Insurance Agent Is Lying To Me? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/other-insurance/how-can-i-tell-if-my-insurance-agent-is-lying-to-me#answer_842</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 11 Apr 2013 11:51:29 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/other-insurance/how-can-i-tell-if-my-insurance-agent-is-lying-to-me#answer_842</guid>
		<description><![CDATA[Most agents are not going to outright lie about anything material to a policy.  They can be sued if they lie.  Some do not tell you everything.  If they show you an illustration, are there missing pages?  Do they tell you the good and the bad about what they are showing you.  Is the information they are giving you verifiable?  Are they local?  A local agent who has been in the community for years is less likely to be deceptive, his reputation is at stake.  How long has the agent been in business?  Again, reputation means a lot, but don&#039;t get me wrong, new agents are honest too.  It is just one factor to look at.  When you receive your policy go over it with the agent and make sure the things he told you are in the policy and question anything that looks different.  If you still don&#039;t have a good feeling then either turn the policy in, most have a free look provision, or get a second opinion from someone you trust.]]></description>
		<content:encoded><![CDATA[Most agents are not going to outright lie about anything material to a policy.  They can be sued if they lie.  Some do not tell you everything.  If they show you an illustration, are there missing pages?  Do they tell you the good and the bad about what they are showing you.  Is the information they are giving you verifiable?  Are they local?  A local agent who has been in the community for years is less likely to be deceptive, his reputation is at stake.  How long has the agent been in business?  Again, reputation means a lot, but don't get me wrong, new agents are honest too.  It is just one factor to look at.  When you receive your policy go over it with the agent and make sure the things he told you are in the policy and question anything that looks different.  If you still don't have a good feeling then either turn the policy in, most have a free look provision, or get a second opinion from someone you trust.]]></content:encoded>
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		<title>Answer on Do Life Insurance Agents Really Care Or Do They Just Want To Make A Sale? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/do-life-insurance-agents-really-care-or-do-they-just-want-to-make-a-sale#answer_840</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 11 Apr 2013 11:40:55 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/do-life-insurance-agents-really-care-or-do-they-just-want-to-make-a-sale#answer_840</guid>
		<description><![CDATA[Having been in this business for more than 30 years I have seen many agents come and go.  There are, unfortunately, agents who are self centered and just interest in a sale. Check out the agent.  Is he or she new in the business?  Sometimes those agents do not have the experience in life to understand what they are selling.  Are they independent or do they work for a company as a captive agent?  Sometimes captive agents are being pressured by their sale managers to make a sale regardless of the clients needs especially when they are new.  Are they local? Is there home phone listed on their business card? Some agents are sent in by a company from out of town.  They may have an office phone number listed but no cell or home making it impossible to reach them if you need them of hours.  I believe in being accessible to my clients. How pushy are they to make the sale THAT day?  While buying insurance is important, if you are not comfortable with the agent don&#039;t let them pressure you.  If they are truly caring then they will allow you time to make a decision and will be ready to answer any concerns about why you can&#039;t make a decision.  Just be honest though.  If you have a concern, tell the agent.  Don&#039;t just give him a put off.  Do they ask questions to help determine what your needs are or are they just peddling policies? A policy peddler is easy to spot.  Not that these answers necessarily disqualifies them about how much they care, it is just some factors to weigh when evaluating your agent..
In my practice we try to help a person determine their needs and what they are trying to do.  I look at affordability, family situation, debts, and other factors.  I try to help solve problems.  I go over the solutions and let the client make the decision, I do not try to twist arms to make a sale.  When I make a new client I keep in touch and let them know I care and that if they need me I am there to help them.  My clients can always reach me with questions.
An agent who is trying to make a commission and does not care about his clients can be easily be recognized by his actions and demeanor and his willingness to work with you.]]></description>
		<content:encoded><![CDATA[Having been in this business for more than 30 years I have seen many agents come and go.  There are, unfortunately, agents who are self centered and just interest in a sale. Check out the agent.  Is he or she new in the business?  Sometimes those agents do not have the experience in life to understand what they are selling.  Are they independent or do they work for a company as a captive agent?  Sometimes captive agents are being pressured by their sale managers to make a sale regardless of the clients needs especially when they are new.  Are they local? Is there home phone listed on their business card? Some agents are sent in by a company from out of town.  They may have an office phone number listed but no cell or home making it impossible to reach them if you need them of hours.  I believe in being accessible to my clients. How pushy are they to make the sale THAT day?  While buying insurance is important, if you are not comfortable with the agent don't let them pressure you.  If they are truly caring then they will allow you time to make a decision and will be ready to answer any concerns about why you can't make a decision.  Just be honest though.  If you have a concern, tell the agent.  Don't just give him a put off.  Do they ask questions to help determine what your needs are or are they just peddling policies? A policy peddler is easy to spot.  Not that these answers necessarily disqualifies them about how much they care, it is just some factors to weigh when evaluating your agent..
In my practice we try to help a person determine their needs and what they are trying to do.  I look at affordability, family situation, debts, and other factors.  I try to help solve problems.  I go over the solutions and let the client make the decision, I do not try to twist arms to make a sale.  When I make a new client I keep in touch and let them know I care and that if they need me I am there to help them.  My clients can always reach me with questions.
An agent who is trying to make a commission and does not care about his clients can be easily be recognized by his actions and demeanor and his willingness to work with you.]]></content:encoded>
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		<title>Answer on What Does Voluntary Term Life Insurance Mean? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-does-voluntary-term-life-insurance-mean#answer_836</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 11 Apr 2013 10:59:17 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-does-voluntary-term-life-insurance-mean#answer_836</guid>
		<description><![CDATA[As stated, voluntary Term is offered on group policies and is voluntary, meaning you do not have to take it. Term insurance means that it is only offered for a specific period. Never rely on voluntary term as your whole insurance package.  This only covers you while you are employed.  That is why it is called term insurance.  Some contracts will allow you to convert it to a permanent policy if you leave your job but that would be at a much higher rate.  Most however do not offer that option.  Some individual health policies also offer voluntary term insurance.  This covers you while you have that policy but you lose it if you change insurance companies.  You are better off in most cases to purchase insurance on your own.]]></description>
		<content:encoded><![CDATA[As stated, voluntary Term is offered on group policies and is voluntary, meaning you do not have to take it. Term insurance means that it is only offered for a specific period. Never rely on voluntary term as your whole insurance package.  This only covers you while you are employed.  That is why it is called term insurance.  Some contracts will allow you to convert it to a permanent policy if you leave your job but that would be at a much higher rate.  Most however do not offer that option.  Some individual health policies also offer voluntary term insurance.  This covers you while you have that policy but you lose it if you change insurance companies.  You are better off in most cases to purchase insurance on your own.]]></content:encoded>
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		<title>Answer on Does Grange Auto Insurance Cover Rental Cars? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/does-grange-auto-insurance-cover-rental-cars#answer_758</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 10 Apr 2013 10:37:27 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/does-grange-auto-insurance-cover-rental-cars#answer_758</guid>
		<description><![CDATA[It depends on your policy and the circumstances.  Rental is something you can add to your auto policy.  It is designed to provide you with a rental car if you are involved in an at fault accident.  If the accident is the fault of the other driver then generally his insurance would cover the rental.  Keep in mind insurance laws differ in many states.  Some states are what is called no-fault.  This means that neither driver is considered at fault in the event of an accident and each drivers insurance would pay for their own insured.  Check with you agent to make sure of the laws in your state.]]></description>
		<content:encoded><![CDATA[It depends on your policy and the circumstances.  Rental is something you can add to your auto policy.  It is designed to provide you with a rental car if you are involved in an at fault accident.  If the accident is the fault of the other driver then generally his insurance would cover the rental.  Keep in mind insurance laws differ in many states.  Some states are what is called no-fault.  This means that neither driver is considered at fault in the event of an accident and each drivers insurance would pay for their own insured.  Check with you agent to make sure of the laws in your state.]]></content:encoded>
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		<title>Answer on Why Do I Need Medicare Advantage Plan? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/why-do-i-need-medicare-advantage-plan#answer_695</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 09 Apr 2013 12:05:06 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/why-do-i-need-medicare-advantage-plan#answer_695</guid>
		<description><![CDATA[Medicare Advantage Plans are more feature rich than original Medicare.  First, there is no out of pocket maximum under original Medicare.  Medicare Advantage Plans have a Maximum out of pocket, usually between $3500 and $7000, depending on the plan you choose.  You also have copay&#039;s which help you plan out your health care expenses.  Original Medicare pays 80% of the approved part B charges. Most Medicare Advantage Plans have Part D built into them, so you do not have to pay for a Prescription Drug Plan.  Medicare Advantage Plan also provides extra benefits not covered by Medicare.  The premium for a Medicare Advantage Plan can vary but there are still some $0 premium plans available that offer a great value.]]></description>
		<content:encoded><![CDATA[Medicare Advantage Plans are more feature rich than original Medicare.  First, there is no out of pocket maximum under original Medicare.  Medicare Advantage Plans have a Maximum out of pocket, usually between $3500 and $7000, depending on the plan you choose.  You also have copay's which help you plan out your health care expenses.  Original Medicare pays 80% of the approved part B charges. Most Medicare Advantage Plans have Part D built into them, so you do not have to pay for a Prescription Drug Plan.  Medicare Advantage Plan also provides extra benefits not covered by Medicare.  The premium for a Medicare Advantage Plan can vary but there are still some $0 premium plans available that offer a great value.]]></content:encoded>
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		<title>Answer on Do Insurance Premiums Change When Your Income Changes? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/insurance-premiums-change-income-changes#answer_28690</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 05 Jan 2017 11:36:48 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/insurance-premiums-change-income-changes#answer_28690</guid>
		<description><![CDATA[If you are referring to Health Insurance, under the Affordable Care Act aka Obamacare, premiums can change based on your subsidy.  You are required to report any change of income that could affect your subsidy.

Auto Insurance and Home Insurance do not change with income, however credit can be a factor in rating.  Many companies run an insurance credit score and provide discounts for having a high score.  This is different from you normal credit score, but that is factored into the equation along with age, claims experience, and type of job you have.  This is usually done when the policy is first taken out, but some companies may do this at renewal or if there is a claim.]]></description>
		<content:encoded><![CDATA[If you are referring to Health Insurance, under the Affordable Care Act aka Obamacare, premiums can change based on your subsidy.  You are required to report any change of income that could affect your subsidy.

Auto Insurance and Home Insurance do not change with income, however credit can be a factor in rating.  Many companies run an insurance credit score and provide discounts for having a high score.  This is different from you normal credit score, but that is factored into the equation along with age, claims experience, and type of job you have.  This is usually done when the policy is first taken out, but some companies may do this at renewal or if there is a claim.]]></content:encoded>
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		<title>Answer on When I Call The Insurance Company To File A Death Claim (20 Yr Paid Life), I&#8217;m Told They Have No Record Of The Policy Number. What Happens To Old Policies? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/call-insurance-company-file-death-claim-20-yr-paid-life-im-told-no-record-policy-number-happens-old-policies#answer_28689</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 05 Jan 2017 11:26:10 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/call-insurance-company-file-death-claim-20-yr-paid-life-im-told-no-record-policy-number-happens-old-policies#answer_28689</guid>
		<description><![CDATA[If you cannot get help from the insurance company you may need to contact your State Department of Insurance.  If the policy was absorbed by another company they may be able to help you find the company that acquired that particular book of business.  You can also do an internet search on the company named on the policy and see if there is any record of the company being sold and to whom.  If you are sure the premiums were paid, the policy was not lapsed for non payment, is a true 20 Pay Whole Life policy, and the company issuing the policy still should have that policy and has not gone been purchased by another company, then the question arises, was this premium paid direct to the company or to the agent.  If the premium was collected each month by an agent, like many older policies were, then you may have to report this to the Department of Insurance Fraud department.  This does not happen often but I have seen cases where agents collected the money and did not turn it into the company. I hope this didn&#039;t happen to you.  Hope this helps]]></description>
		<content:encoded><![CDATA[If you cannot get help from the insurance company you may need to contact your State Department of Insurance.  If the policy was absorbed by another company they may be able to help you find the company that acquired that particular book of business.  You can also do an internet search on the company named on the policy and see if there is any record of the company being sold and to whom.  If you are sure the premiums were paid, the policy was not lapsed for non payment, is a true 20 Pay Whole Life policy, and the company issuing the policy still should have that policy and has not gone been purchased by another company, then the question arises, was this premium paid direct to the company or to the agent.  If the premium was collected each month by an agent, like many older policies were, then you may have to report this to the Department of Insurance Fraud department.  This does not happen often but I have seen cases where agents collected the money and did not turn it into the company. I hope this didn't happen to you.  Hope this helps]]></content:encoded>
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		<title>Answer on Is Allergy Testing Covered By Medicare? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/is-allergy-testing-covered-by-medicare#answer_28440</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 01 Jun 2016 11:23:26 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/is-allergy-testing-covered-by-medicare#answer_28440</guid>
		<description><![CDATA[As long as it is medically necessary to diagnose and treat a condition then the answer is yes, Medicare will pay.  The key to any Medicare claim is medical necessity.  Elective or alternative therapies are generally not covered in most situations.  When in doubt have the doctor request pre-authorization..]]></description>
		<content:encoded><![CDATA[As long as it is medically necessary to diagnose and treat a condition then the answer is yes, Medicare will pay.  The key to any Medicare claim is medical necessity.  Elective or alternative therapies are generally not covered in most situations.  When in doubt have the doctor request pre-authorization..]]></content:encoded>
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		<title>Answer on Is Tubal Ligation Covered By Medicare? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/is-tubal-ligation-covered-by-medicare#answer_28439</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 01 Jun 2016 11:17:47 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/is-tubal-ligation-covered-by-medicare#answer_28439</guid>
		<description><![CDATA[Generally Medicare will not cover Vasectomy or Tubal Ligation unless an underlying illness makes it Medically necessary.  Medicare considers it an elective surgery.  Medicaid, however does cover Tubal Ligation so if an individual who is eligible for both Medicaid and Medicare gets the procedure Medicaid will pay the claim in most cases.]]></description>
		<content:encoded><![CDATA[Generally Medicare will not cover Vasectomy or Tubal Ligation unless an underlying illness makes it Medically necessary.  Medicare considers it an elective surgery.  Medicaid, however does cover Tubal Ligation so if an individual who is eligible for both Medicaid and Medicare gets the procedure Medicaid will pay the claim in most cases.]]></content:encoded>
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		<title>Answer on Can Creditors Go After Life Insurance Policies In A Revocable Trust? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/can-creditors-go-life-insurance-policies-revocable-trust#answer_28317</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 19 Apr 2016 11:25:09 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/can-creditors-go-life-insurance-policies-revocable-trust#answer_28317</guid>
		<description><![CDATA[As Robert mentioned in his answer, a Revocable Trust does not change the status of a life insurance contract.  As a general rule, creditors cannot attach a life insurance policy or go after it&#039;s cash value.  Some lenders may require credit life insurance be obtained in order to help secure a loan, but this is not the norm.  The exception to this would be that if the beneficiary is the Estate, then the Life insurance policy becomes subject to probate and can be attached by creditors when the insured dies.  Another problem could be that if the insured needs to go on Medicaid.  In most States a Medicaid beneficiary can only own a life insurance policy with less than $1500 in cash value.  If a person has a policy with more than $1500 in cash value the person may be required to surrender the policy before they can receive Medicaid benefits.  An Irrevocable Trust may offer some protection in this regard depending on how the policy is set up and the face amount of the policy.]]></description>
		<content:encoded><![CDATA[As Robert mentioned in his answer, a Revocable Trust does not change the status of a life insurance contract.  As a general rule, creditors cannot attach a life insurance policy or go after it's cash value.  Some lenders may require credit life insurance be obtained in order to help secure a loan, but this is not the norm.  The exception to this would be that if the beneficiary is the Estate, then the Life insurance policy becomes subject to probate and can be attached by creditors when the insured dies.  Another problem could be that if the insured needs to go on Medicaid.  In most States a Medicaid beneficiary can only own a life insurance policy with less than $1500 in cash value.  If a person has a policy with more than $1500 in cash value the person may be required to surrender the policy before they can receive Medicaid benefits.  An Irrevocable Trust may offer some protection in this regard depending on how the policy is set up and the face amount of the policy.]]></content:encoded>
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		<title>Answer on Can I Get Medicare If I Took SS At 62 And Found Out I Have Hepatitis C? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/can-get-medicare-took-ss-62-found-hepatitis-c#answer_26553</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 21 Apr 2015 16:14:51 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/can-get-medicare-took-ss-62-found-hepatitis-c#answer_26553</guid>
		<description><![CDATA[In order to qualify for Medicare you must be at least 65 years old or receiving Social Security Disability for two years.  Otherwise the answer to this question would be no.  The Hepatitis C would have nothing to do with this unless you are disabled as a result and have been on Social Security Disability for two years as previously mentioned.]]></description>
		<content:encoded><![CDATA[In order to qualify for Medicare you must be at least 65 years old or receiving Social Security Disability for two years.  Otherwise the answer to this question would be no.  The Hepatitis C would have nothing to do with this unless you are disabled as a result and have been on Social Security Disability for two years as previously mentioned.]]></content:encoded>
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		<title>Answer on What Will Long Term Care Insurance Cover? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/long-term-care-insurance/what-will-long-term-care-insurance-cover#answer_26431</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 09 Apr 2015 13:47:04 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/long-term-care-insurance/what-will-long-term-care-insurance-cover#answer_26431</guid>
		<description><![CDATA[Depending on your policy, a good Long Term Care policy will cover Home Health Care and Nursing Home and Assisted Living provided at least three Activities of Daily Living are impaired.  These would include such things as inability to toilet, the need to have help feeding yourself, assistance walking or getting out of bed or chairs etc.  Your policy will outline these ADL&#039;s.  The policy will cover up to the limits set in the policy.  Some pay a set daily rate for a definite period of time.  Others pay up to a certain amount until those funds run out.]]></description>
		<content:encoded><![CDATA[Depending on your policy, a good Long Term Care policy will cover Home Health Care and Nursing Home and Assisted Living provided at least three Activities of Daily Living are impaired.  These would include such things as inability to toilet, the need to have help feeding yourself, assistance walking or getting out of bed or chairs etc.  Your policy will outline these ADL's.  The policy will cover up to the limits set in the policy.  Some pay a set daily rate for a definite period of time.  Others pay up to a certain amount until those funds run out.]]></content:encoded>
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		<title>Answer on Who Is Responsible For Vehicle Damage If The Car That Hit Me Was Covered, But Was Driven By A Different Driver? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/responsible-vehicle-damage-car-hit-covered-driven-different-driver#answer_26407</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 07 Apr 2015 10:52:56 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/responsible-vehicle-damage-car-hit-covered-driven-different-driver#answer_26407</guid>
		<description><![CDATA[A lot depends on the State you live in.  Some States are &quot;No fault&quot;.  In that case your insurance would pay.  In most cases however, the driver of the other car woul be responsible.  If that driver does not have insurance then the owner of the car would be responsible.]]></description>
		<content:encoded><![CDATA[A lot depends on the State you live in.  Some States are "No fault".  In that case your insurance would pay.  In most cases however, the driver of the other car woul be responsible.  If that driver does not have insurance then the owner of the car would be responsible.]]></content:encoded>
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		<title>Answer on Does Homeowners Insurance Cover Toilet Overflow? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/does-homeowners-insurance-cover-toilet-overflow#answer_26366</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 30 Mar 2015 12:58:22 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/does-homeowners-insurance-cover-toilet-overflow#answer_26366</guid>
		<description><![CDATA[As a rule no, toilet overflow is a maintenance issue.  The only time there may be coverage is if the overflow is caused by sewer backup.  Some companies will provide coverage for sewer backup, usually as an endorsement on your policy.  Check with your agent to find out if your policy has sewer backup coverage.]]></description>
		<content:encoded><![CDATA[As a rule no, toilet overflow is a maintenance issue.  The only time there may be coverage is if the overflow is caused by sewer backup.  Some companies will provide coverage for sewer backup, usually as an endorsement on your policy.  Check with your agent to find out if your policy has sewer backup coverage.]]></content:encoded>
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		<title>Answer on Will Auto Insurance Cover Transmission? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/will-auto-insurance-cover-transmission#answer_26365</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 30 Mar 2015 12:48:13 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/will-auto-insurance-cover-transmission#answer_26365</guid>
		<description><![CDATA[No!  Auto Insurance will protect you from liability if you are involved in an accident.  It protects your car from unforeseen hazards.  Collision covers your car in the event of an at fault accident, Comprehensive or OTC covers your car from vandalism, animal strikes, tree branches, windshield damage, etc.  Maintenance such as engine or transmission repair, tires, and drive train are not covered under your auto insurance.]]></description>
		<content:encoded><![CDATA[No!  Auto Insurance will protect you from liability if you are involved in an accident.  It protects your car from unforeseen hazards.  Collision covers your car in the event of an at fault accident, Comprehensive or OTC covers your car from vandalism, animal strikes, tree branches, windshield damage, etc.  Maintenance such as engine or transmission repair, tires, and drive train are not covered under your auto insurance.]]></content:encoded>
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		<title>Answer on Is Long Term Care Insurance The Same As Long Term Disability? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/long-term-care-insurance/is-long-term-care-insurance-the-same-as-long-term-disability#answer_26335</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 25 Mar 2015 12:22:08 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/long-term-care-insurance/is-long-term-care-insurance-the-same-as-long-term-disability#answer_26335</guid>
		<description><![CDATA[No, they are two different solutions to two different problems.  Long Term Care Insurance protects you when you get sick and can no longer care for yourself.  It helps pay the cost of Nursing Home, Assisted Living, or Home Healthcare.  These costs can be devastating to a person and the legacy he or she wants to leave behind.  Long Term Disability protects a persons income should that person become disabled for a long period of time.  These policies are generally used by working individuals and business owners, whereas Long Term Care is typically utilized by older adults.]]></description>
		<content:encoded><![CDATA[No, they are two different solutions to two different problems.  Long Term Care Insurance protects you when you get sick and can no longer care for yourself.  It helps pay the cost of Nursing Home, Assisted Living, or Home Healthcare.  These costs can be devastating to a person and the legacy he or she wants to leave behind.  Long Term Disability protects a persons income should that person become disabled for a long period of time.  These policies are generally used by working individuals and business owners, whereas Long Term Care is typically utilized by older adults.]]></content:encoded>
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		<title>Answer on Can I be dropped from life insurance for no reason without premiums returned? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/can-dropped-life-insurance-no-reason-without-premiums-returned#answer_26311</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 21 Mar 2015 12:32:33 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/can-dropped-life-insurance-no-reason-without-premiums-returned#answer_26311</guid>
		<description><![CDATA[Since you have had the policy since 2011 you are well beyond the incontestability period.  It must be one of the following:  You purchase term insurance and the term has run out. (possible but unlikely since you should have a renewal option). You purchased a Universal Life policy and it was underfunded (this may be the most likely reason).  A Universal life policy has flexible premiums and some agents, in order to make a sale, have set the premium too low without telling the client.  Most agents are honest, but unfortunately every industry has bad apples.  If you do not pay enough into a Universal Life Policy, the policy will cancel out.  The only other thing it could be is failure to pay the premium within the grace period, usually 30 days.  I agree with Rich, you need to take all of the information to a good professional independent life insurance agent and have him review what went on in your case.  A life insurance company cannot cancel you for no reason.]]></description>
		<content:encoded><![CDATA[Since you have had the policy since 2011 you are well beyond the incontestability period.  It must be one of the following:  You purchase term insurance and the term has run out. (possible but unlikely since you should have a renewal option). You purchased a Universal Life policy and it was underfunded (this may be the most likely reason).  A Universal life policy has flexible premiums and some agents, in order to make a sale, have set the premium too low without telling the client.  Most agents are honest, but unfortunately every industry has bad apples.  If you do not pay enough into a Universal Life Policy, the policy will cancel out.  The only other thing it could be is failure to pay the premium within the grace period, usually 30 days.  I agree with Rich, you need to take all of the information to a good professional independent life insurance agent and have him review what went on in your case.  A life insurance company cannot cancel you for no reason.]]></content:encoded>
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		<title>Answer on Can you get car insurance with out a drivers license or a suspended license? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/can-get-car-insurance-drivers-license-suspended-license#answer_26308</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 20 Mar 2015 11:07:55 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/can-get-car-insurance-drivers-license-suspended-license#answer_26308</guid>
		<description><![CDATA[Generally, at least in Ohio and I am sure there are similar provisions in other States, a person with a suspended licence can get auto insurance, and should probably carry it.  In lieu of auto insurance you could also purchase a Financial Responsibility Bond that will protect you if you do drive. You should never drive without a valid license and if you are obeying the law then you would not have to worry about this issue.  Check into your States laws on this matter or consult a local independent insurance agent.]]></description>
		<content:encoded><![CDATA[Generally, at least in Ohio and I am sure there are similar provisions in other States, a person with a suspended licence can get auto insurance, and should probably carry it.  In lieu of auto insurance you could also purchase a Financial Responsibility Bond that will protect you if you do drive. You should never drive without a valid license and if you are obeying the law then you would not have to worry about this issue.  Check into your States laws on this matter or consult a local independent insurance agent.]]></content:encoded>
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		<title>Answer on What Is Home Insurance Declaration Page? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/what-is-home-insurance-declaration-page#answer_26307</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 20 Mar 2015 10:57:43 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/what-is-home-insurance-declaration-page#answer_26307</guid>
		<description><![CDATA[The declarations page of any insurance policy regardless of whether it is home, auto, life or health, is the page that contains your basic policy information.  It will usually be titled declarations page and will show your policy number, coverage&#039;s, and company contact information.  It is basically a summary of your policy.]]></description>
		<content:encoded><![CDATA[The declarations page of any insurance policy regardless of whether it is home, auto, life or health, is the page that contains your basic policy information.  It will usually be titled declarations page and will show your policy number, coverage's, and company contact information.  It is basically a summary of your policy.]]></content:encoded>
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		<title>Answer on What Is Employee Supplemental Term Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-is-employee-supplemental-term-life-insurance#answer_26306</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 20 Mar 2015 10:51:47 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-is-employee-supplemental-term-life-insurance#answer_26306</guid>
		<description><![CDATA[Employee Supplemental Term Insurance is offered to employees through their group health insurance.  In addition to the life insurance built into their group plan they have the option to purchase additional coverage.  Life insurance through your employer is a nice benefit, however keep in mind that when you leave your company, it usually goes away.  A person needs to make sure he has enough life insurance purchased separately from group coverage to meet their needs when it is generally needed most.  Most people do not plan on dying before age 80.  Make sure that the life insurance you own will meet your final expense needs when your time comes, whether it is 80 or 100.]]></description>
		<content:encoded><![CDATA[Employee Supplemental Term Insurance is offered to employees through their group health insurance.  In addition to the life insurance built into their group plan they have the option to purchase additional coverage.  Life insurance through your employer is a nice benefit, however keep in mind that when you leave your company, it usually goes away.  A person needs to make sure he has enough life insurance purchased separately from group coverage to meet their needs when it is generally needed most.  Most people do not plan on dying before age 80.  Make sure that the life insurance you own will meet your final expense needs when your time comes, whether it is 80 or 100.]]></content:encoded>
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		<title>Answer on What Is Asset Based Long Term Care Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/long-term-care-insurance/what-is-asset-based-long-term-care-insurance#answer_26297</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 18 Mar 2015 11:06:15 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/long-term-care-insurance/what-is-asset-based-long-term-care-insurance#answer_26297</guid>
		<description><![CDATA[Asset Based Long Term Care provides a unique solution to providing for the expense of long term care while at the same time providing other benefits.  Generally, it is provided with a base of life insurance or an annuity.  One of the problems with traditional Long Term Care Insurance is affordability.  Also the underwriting is very strict.  Because Asset Based Long Term Care is underwritten much like a life insurance policy, it is usually easier to qualify.  Many traditional Long Term Care policies are use it or lose it, although many policies do have return of premium provisions.  With Asset Based Long Term care written with a life insurance chassis, if you do not use the long term care provision, you beneficiaries will receive the death benefit, as in a traditional life insurance policy.  If the plan is Annuity based, you receive the interest and tax advantages of an annuity, but the flexibility of utilizing the funds for long term care should you need it.  While most of these hybrid products are not as comprehensive as traditional long term care they can be a great alternative depending on the goals and personal situation of the client.]]></description>
		<content:encoded><![CDATA[Asset Based Long Term Care provides a unique solution to providing for the expense of long term care while at the same time providing other benefits.  Generally, it is provided with a base of life insurance or an annuity.  One of the problems with traditional Long Term Care Insurance is affordability.  Also the underwriting is very strict.  Because Asset Based Long Term Care is underwritten much like a life insurance policy, it is usually easier to qualify.  Many traditional Long Term Care policies are use it or lose it, although many policies do have return of premium provisions.  With Asset Based Long Term care written with a life insurance chassis, if you do not use the long term care provision, you beneficiaries will receive the death benefit, as in a traditional life insurance policy.  If the plan is Annuity based, you receive the interest and tax advantages of an annuity, but the flexibility of utilizing the funds for long term care should you need it.  While most of these hybrid products are not as comprehensive as traditional long term care they can be a great alternative depending on the goals and personal situation of the client.]]></content:encoded>
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		<title>Answer on Can We Claim Health Insurance From Two Companies? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/can-we-claim-health-insurance-from-two-companies#answer_26260</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 13 Mar 2015 14:05:35 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/can-we-claim-health-insurance-from-two-companies#answer_26260</guid>
		<description><![CDATA[Why would you have two health policies?  Is one a supplemental to your base policy?  Generally a major medical policy will coordinate benefits if there is more than one policy in force on the same individual.  I would consult your tax adviser as far as the ability to deduct both premiums but quite honestly you are spending a lot more than you need too if both are Major Medical.  If you have a Major medical and a policy to supplement the major medical policy, designed to help pay your deductibles then my reaction would be yes you can.  Verify this with your tax adviser however.]]></description>
		<content:encoded><![CDATA[Why would you have two health policies?  Is one a supplemental to your base policy?  Generally a major medical policy will coordinate benefits if there is more than one policy in force on the same individual.  I would consult your tax adviser as far as the ability to deduct both premiums but quite honestly you are spending a lot more than you need too if both are Major Medical.  If you have a Major medical and a policy to supplement the major medical policy, designed to help pay your deductibles then my reaction would be yes you can.  Verify this with your tax adviser however.]]></content:encoded>
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		<title>Answer on Is Home Insurance The Same As Mortgage Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/is-home-insurance-the-same-as-mortgage-insurance#answer_26252</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 11 Mar 2015 19:55:25 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/is-home-insurance-the-same-as-mortgage-insurance#answer_26252</guid>
		<description><![CDATA[No. Home Insurance protects you if your house incurs a loss due to a covered peril such as fire, wind, lightning etc.  It also protects you from theft and liability if someone is hurt on your property and files a law suite.  Mortgage Insurance, (I am assuming you mean Mortgage Term) is a form of life insurance that pays off your mortgage in the event of your death.  Your bank may also have a form of mortgage insurance that protects the bank in the event you default.]]></description>
		<content:encoded><![CDATA[No. Home Insurance protects you if your house incurs a loss due to a covered peril such as fire, wind, lightning etc.  It also protects you from theft and liability if someone is hurt on your property and files a law suite.  Mortgage Insurance, (I am assuming you mean Mortgage Term) is a form of life insurance that pays off your mortgage in the event of your death.  Your bank may also have a form of mortgage insurance that protects the bank in the event you default.]]></content:encoded>
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		<title>Answer on I scratched a car backing out in a parking lot and I already notified my insurace company. The other party just want me to pay for their repair (200.00) and they said that if they do not report it, I should not get any points on my record even if it was my fault. Is this true? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/scratched-car-backing-parking-lot-already-notified-insurace-company-party-just-want-pay-repair-200-00-said-not-report#answer_25743</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 06 Jan 2015 15:38:04 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/scratched-car-backing-parking-lot-already-notified-insurace-company-party-just-want-pay-repair-200-00-said-not-report#answer_25743</guid>
		<description><![CDATA[Generally, unless a Police Report is filed no points will appear on your driving record.  If however your insurance company pays a claim it will show up on a CLUE report as a claim.  Since you have reported it to your insurance company, it will be in their records on the CLUE report anyway.  If you just called and asked your agent what to do, he probably would not have reported the incident to the company.  If this is the case, pay the $200 out of your pocket, get a release signed for documentation.]]></description>
		<content:encoded><![CDATA[Generally, unless a Police Report is filed no points will appear on your driving record.  If however your insurance company pays a claim it will show up on a CLUE report as a claim.  Since you have reported it to your insurance company, it will be in their records on the CLUE report anyway.  If you just called and asked your agent what to do, he probably would not have reported the incident to the company.  If this is the case, pay the $200 out of your pocket, get a release signed for documentation.]]></content:encoded>
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		<title>Answer on Is Medigap Plan F The Best? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/is-medigap-plan-f-the-best#answer_24496</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 25 Sep 2014 12:27:10 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/is-medigap-plan-f-the-best#answer_24496</guid>
		<description><![CDATA[Coverage wise Plan F is considered the Cadillac Plan.  You have virtually no out of pocket expenses for Medicare covered charges.  It is also going to be the highest premium.  Depending on a persons situation, there may be other plans that are more cost effective.  Compare the premiums for Plan N, D, and C or look at the High Deductible F.  HDF is very inexpensive compared to other plans.  Your out of pocket exposure is limited to around $2200.  Medicare will pay there portion until this deductible is met.  This is a good choice for those on a limited budget.]]></description>
		<content:encoded><![CDATA[Coverage wise Plan F is considered the Cadillac Plan.  You have virtually no out of pocket expenses for Medicare covered charges.  It is also going to be the highest premium.  Depending on a persons situation, there may be other plans that are more cost effective.  Compare the premiums for Plan N, D, and C or look at the High Deductible F.  HDF is very inexpensive compared to other plans.  Your out of pocket exposure is limited to around $2200.  Medicare will pay there portion until this deductible is met.  This is a good choice for those on a limited budget.]]></content:encoded>
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		<title>Answer on Why Do I Need Medigap Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/why-do-i-need-medigap-insurance#answer_24495</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 25 Sep 2014 12:19:59 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/why-do-i-need-medigap-insurance#answer_24495</guid>
		<description><![CDATA[Medicare was never meant to pay the entire bill, it was designed to offer assistance to seniors not covered by other insurance.  There is no maximum out of pocket limit, which means you can actually owe thousands of dollars in deductibles and coinsurance.  Medigap picks up those deductibles and coinsurance.]]></description>
		<content:encoded><![CDATA[Medicare was never meant to pay the entire bill, it was designed to offer assistance to seniors not covered by other insurance.  There is no maximum out of pocket limit, which means you can actually owe thousands of dollars in deductibles and coinsurance.  Medigap picks up those deductibles and coinsurance.]]></content:encoded>
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		<title>Answer on Is Medigap Or Medicare Advantage Better? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/is-medigap-or-medicare-advantage-better#answer_24494</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 25 Sep 2014 12:13:34 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/is-medigap-or-medicare-advantage-better#answer_24494</guid>
		<description><![CDATA[It depends on your personal situation.  I personally like Medigap if you can afford the premiums.  With Medigap you will not have to worry about networks, you can go to any doctor that accepts Medicare, and your out of pocket exposure will be much less.  Medicare Advantage is a good choice for those with limited funds or those who live in an area where there are strong networks, as long as you do not travel outside the area for extended periods.  Medicare Advantage has the Prescription coverage embedded in the plan (in most cases) and can have very low or no premium.  A good independent agent who handles both Medigap and Medicare Advantage can help guide you.  Make sure the agent handles most of the plans in your area and takes time to ask about your personal situation.]]></description>
		<content:encoded><![CDATA[It depends on your personal situation.  I personally like Medigap if you can afford the premiums.  With Medigap you will not have to worry about networks, you can go to any doctor that accepts Medicare, and your out of pocket exposure will be much less.  Medicare Advantage is a good choice for those with limited funds or those who live in an area where there are strong networks, as long as you do not travel outside the area for extended periods.  Medicare Advantage has the Prescription coverage embedded in the plan (in most cases) and can have very low or no premium.  A good independent agent who handles both Medigap and Medicare Advantage can help guide you.  Make sure the agent handles most of the plans in your area and takes time to ask about your personal situation.]]></content:encoded>
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		<title>Answer on Is Life Insurance Included In Gross Income? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/is-life-insurance-included-in-gross-income#answer_21118</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 12 Jun 2014 13:10:42 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/is-life-insurance-included-in-gross-income#answer_21118</guid>
		<description><![CDATA[No, not generally.  There may be some circumstances where life insurance payouts may be taxable, but these are unusual.  Check with your tax adviser.  If you are looking to qualify for Medicaid then cash value may affect qualification, depending on your State.  Life insurance proceeds are generally non-taxable to a beneficiary.]]></description>
		<content:encoded><![CDATA[No, not generally.  There may be some circumstances where life insurance payouts may be taxable, but these are unusual.  Check with your tax adviser.  If you are looking to qualify for Medicaid then cash value may affect qualification, depending on your State.  Life insurance proceeds are generally non-taxable to a beneficiary.]]></content:encoded>
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		<title>Answer on Will Medicare Pay For My Knee Replacement? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/will-medicare-pay-for-my-knee-replacement#answer_21117</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 12 Jun 2014 13:05:09 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/will-medicare-pay-for-my-knee-replacement#answer_21117</guid>
		<description><![CDATA[Yes Medicare does pay for Medically necessary knee replacement.  If all you have is original Medicare you will be responsible for your Part A Hospital deductible and possibly some Part B Medical expenses.  If you must do rehab in a nursing facility, the first 20 days will be paid at 100%.  Some rehab done at home may also be paid for.]]></description>
		<content:encoded><![CDATA[Yes Medicare does pay for Medically necessary knee replacement.  If all you have is original Medicare you will be responsible for your Part A Hospital deductible and possibly some Part B Medical expenses.  If you must do rehab in a nursing facility, the first 20 days will be paid at 100%.  Some rehab done at home may also be paid for.]]></content:encoded>
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		<title>Answer on Will Medicare Contact Me When I Turn 65? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/will-medicare-contact-me-when-i-turn-65#answer_14723</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 19 Dec 2013 20:26:02 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/will-medicare-contact-me-when-i-turn-65#answer_14723</guid>
		<description><![CDATA[Most people will be automatically sent a card when reaching the age of 65.  If for any reason you do not have your card by your birth month make sure you call Medicare or Social Security.  You will be given an option to opt out of Part B.  Do not do so unless you have creditable group coverage through your spouses employer.]]></description>
		<content:encoded><![CDATA[Most people will be automatically sent a card when reaching the age of 65.  If for any reason you do not have your card by your birth month make sure you call Medicare or Social Security.  You will be given an option to opt out of Part B.  Do not do so unless you have creditable group coverage through your spouses employer.]]></content:encoded>
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		<title>Answer on Does Medicare Part B Cover Assisted Living? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/does-medicare-part-b-cover-assisted-living#answer_13166</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 18 Oct 2013 12:52:12 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/does-medicare-part-b-cover-assisted-living#answer_13166</guid>
		<description><![CDATA[Medicare is not designed to cover any type of Long Term Care.  Nursing Home benefits are limited to 100 days maximum and can only be accessed if you need skilled care after a hospital stay of three days, not counting day of discharge.  The care must be required for the same reason the person was hospitalized and the person must be capable of improving with therapy.]]></description>
		<content:encoded><![CDATA[Medicare is not designed to cover any type of Long Term Care.  Nursing Home benefits are limited to 100 days maximum and can only be accessed if you need skilled care after a hospital stay of three days, not counting day of discharge.  The care must be required for the same reason the person was hospitalized and the person must be capable of improving with therapy.]]></content:encoded>
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		<title>Answer on Can You Withdraw Cash Value Of Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/can-you-withdraw-cash-value-of-life-insurance#answer_13165</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 18 Oct 2013 12:46:48 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/can-you-withdraw-cash-value-of-life-insurance#answer_13165</guid>
		<description><![CDATA[You can have access to some of the cash value in the form of a withdrawal if you have a Universal Life policy. The typical Whole Life policy will allow you access to a loan on the policy based on the loan value.  Term contracts have no cash value.  Generally it is not advisable to access funds from your life policy unless it is an emergency.  Some policies pay dividends.  Dividends may be withdrawn without affecting the face amount of the policy.]]></description>
		<content:encoded><![CDATA[You can have access to some of the cash value in the form of a withdrawal if you have a Universal Life policy. The typical Whole Life policy will allow you access to a loan on the policy based on the loan value.  Term contracts have no cash value.  Generally it is not advisable to access funds from your life policy unless it is an emergency.  Some policies pay dividends.  Dividends may be withdrawn without affecting the face amount of the policy.]]></content:encoded>
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		<title>Answer on When Does Medicare Cover Home Health Care? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/when-does-medicare-cover-home-health-care#answer_13164</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 18 Oct 2013 12:39:37 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/when-does-medicare-cover-home-health-care#answer_13164</guid>
		<description><![CDATA[To get any type of Home Health Care from Medicare requires the need for skilled care such as occupational, speech or physical therapy for a very limited amount of time generally after a hospital stay of at least 3 days not counting day of discharge.  Medicare does not pay for custodial care  Custodial care is assistance with bathing, cleaning the home, assistance with meals and other activities of daily living.]]></description>
		<content:encoded><![CDATA[To get any type of Home Health Care from Medicare requires the need for skilled care such as occupational, speech or physical therapy for a very limited amount of time generally after a hospital stay of at least 3 days not counting day of discharge.  Medicare does not pay for custodial care  Custodial care is assistance with bathing, cleaning the home, assistance with meals and other activities of daily living.]]></content:encoded>
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		<title>Answer on When Does Obamacare Start? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/when-does-obamacare-start#answer_12995</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 09 Oct 2013 18:29:25 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/when-does-obamacare-start#answer_12995</guid>
		<description><![CDATA[Open Enrollment started October 1st.  For plans effective January 1st, you may enroll up until December 31st.  This year the Open Enrollment is extended until March 31st.  You must obtain a creditable health plan by March 31st or you will be penalized.  You may purchase either on or off the exchange.  If you qualify for a subsidy you are better off in most cases to purchase on the exchange.]]></description>
		<content:encoded><![CDATA[Open Enrollment started October 1st.  For plans effective January 1st, you may enroll up until December 31st.  This year the Open Enrollment is extended until March 31st.  You must obtain a creditable health plan by March 31st or you will be penalized.  You may purchase either on or off the exchange.  If you qualify for a subsidy you are better off in most cases to purchase on the exchange.]]></content:encoded>
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		<title>Answer on How Will Obamacare Affect Me? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/how-will-obamacare-affect-me#answer_12993</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 09 Oct 2013 18:18:41 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/how-will-obamacare-affect-me#answer_12993</guid>
		<description><![CDATA[The Affordable Care Act aka Obamacare affects everybody to some degree.  If you are over 65 and on Medicare, very little changes.  If you work for a company that provides benefits, very little will change.  If you have no insurance, you are required to purchase insurance either on or off the exchange or pay a penalty.  If you qualify for a subsidy you may receive a break in your premium.  There are certain benefits that a health insurance plan must offer, which is good for most people.]]></description>
		<content:encoded><![CDATA[The Affordable Care Act aka Obamacare affects everybody to some degree.  If you are over 65 and on Medicare, very little changes.  If you work for a company that provides benefits, very little will change.  If you have no insurance, you are required to purchase insurance either on or off the exchange or pay a penalty.  If you qualify for a subsidy you may receive a break in your premium.  There are certain benefits that a health insurance plan must offer, which is good for most people.]]></content:encoded>
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		<title>Answer on What Do I Need To Sell Auto Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/what-do-i-need-to-sell-auto-insurance#answer_12992</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 09 Oct 2013 18:11:12 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/what-do-i-need-to-sell-auto-insurance#answer_12992</guid>
		<description><![CDATA[The first thing you need is a State Insurance License.  Check with your States Department of Insurance to see the requirements.  One you attain your State Licensce you will need to be contracted with a Property and Casualty insurance carrier. If you are new in the business you may want to look at captive companies.  Not knowing what State you are in I cant make any recommendations.  You could also go to work for an established P&#038;C Agency.]]></description>
		<content:encoded><![CDATA[The first thing you need is a State Insurance License.  Check with your States Department of Insurance to see the requirements.  One you attain your State Licensce you will need to be contracted with a Property and Casualty insurance carrier. If you are new in the business you may want to look at captive companies.  Not knowing what State you are in I cant make any recommendations.  You could also go to work for an established P&amp;C Agency.]]></content:encoded>
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		<title>Answer on Why Are Indexed Annuities Bad? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/annuities/why-are-indexed-annuities-bad#answer_12889</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 07 Oct 2013 15:31:27 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/annuities/why-are-indexed-annuities-bad#answer_12889</guid>
		<description><![CDATA[Indexed Annuities are not bad if set up properly.  They are a very safe way to generate savings at market like rates without the downside risk.  While you will have greater potential with security type investments such as stocks and mutual funds, you also have greater potential for loss.  When selecting any annuity be aware of surrender charges and make sure you do not tie up all your liquid funds into any long term investment.]]></description>
		<content:encoded><![CDATA[Indexed Annuities are not bad if set up properly.  They are a very safe way to generate savings at market like rates without the downside risk.  While you will have greater potential with security type investments such as stocks and mutual funds, you also have greater potential for loss.  When selecting any annuity be aware of surrender charges and make sure you do not tie up all your liquid funds into any long term investment.]]></content:encoded>
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		<title>Answer on Where To Report Life Insurance Proceeds On 1040? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/where-to-report-life-insurance-proceeds-on-1040#answer_12888</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 07 Oct 2013 15:25:00 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/where-to-report-life-insurance-proceeds-on-1040#answer_12888</guid>
		<description><![CDATA[In most situations life insurance proceeds are not taxable as income.  You do not have to worry about reporting on 1040.  If there is a sizable estate then it is best to consult your tax adviser to determine whether the proceeds are taxable or  not.  These situations are very rare.]]></description>
		<content:encoded><![CDATA[In most situations life insurance proceeds are not taxable as income.  You do not have to worry about reporting on 1040.  If there is a sizable estate then it is best to consult your tax adviser to determine whether the proceeds are taxable or  not.  These situations are very rare.]]></content:encoded>
	</item>
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		<title>Answer on Can I Qualify For Medicare If I Am Disabled? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/can-i-qualify-for-medicare-if-i-am-disabled#answer_12887</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 07 Oct 2013 15:20:47 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/can-i-qualify-for-medicare-if-i-am-disabled#answer_12887</guid>
		<description><![CDATA[If you are receiving Social Security Disability for a period of two years, you will be qualified for Medicare.  You should receive your Medicare card in the mail when you qualify.  If you are not on Social Security Disability then you will not qualify for Medicare.  You can however enroll in a Marketplace (exchange) plan under the new Affordable Care Act.  These plans will take effect Jan 1st for those who enroll in a plan before December 31st.]]></description>
		<content:encoded><![CDATA[If you are receiving Social Security Disability for a period of two years, you will be qualified for Medicare.  You should receive your Medicare card in the mail when you qualify.  If you are not on Social Security Disability then you will not qualify for Medicare.  You can however enroll in a Marketplace (exchange) plan under the new Affordable Care Act.  These plans will take effect Jan 1st for those who enroll in a plan before December 31st.]]></content:encoded>
	</item>
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		<title>Answer on What Is Medigap Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/what-is-medigap-insurance#answer_12551</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 21 Sep 2013 14:44:54 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/what-is-medigap-insurance#answer_12551</guid>
		<description><![CDATA[Medigap or Medicare Supplement Insurance covers deductibles and coinsurance required by Medicare.  Depending on the plan it will generally cover your Part A deductibles.  It will also cover the 20% of Medicare covered expenses that you would otherwise be responsible for if you did not have a supplement.  It is extremely advisable for most people to select either a Medicare Supplement or a Medicare Advantage plan when qualified for Medicare.]]></description>
		<content:encoded><![CDATA[Medigap or Medicare Supplement Insurance covers deductibles and coinsurance required by Medicare.  Depending on the plan it will generally cover your Part A deductibles.  It will also cover the 20% of Medicare covered expenses that you would otherwise be responsible for if you did not have a supplement.  It is extremely advisable for most people to select either a Medicare Supplement or a Medicare Advantage plan when qualified for Medicare.]]></content:encoded>
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		<title>Answer on Will Medicare Pay For Long Term Care? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/will-medicare-pay-for-long-term-care#answer_12550</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 21 Sep 2013 14:39:34 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/will-medicare-pay-for-long-term-care#answer_12550</guid>
		<description><![CDATA[Medicare does not cover Long Term custodial care.  As stated by Peggy Mace, coverage for any type of ursing Home care is limited.  If a person is admitted to a nursing home or requires care at home there is no coverage unless that person is considered capable of improvement with the help of rehab and requires Skilled Care.  Do not look to Medicare to cover your long term care needs!]]></description>
		<content:encoded><![CDATA[Medicare does not cover Long Term custodial care.  As stated by Peggy Mace, coverage for any type of ursing Home care is limited.  If a person is admitted to a nursing home or requires care at home there is no coverage unless that person is considered capable of improvement with the help of rehab and requires Skilled Care.  Do not look to Medicare to cover your long term care needs!]]></content:encoded>
	</item>
	<item>
		<title>Answer on What Is The Best Homeowners Insurance In Ohio? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/what-is-the-best-homeowners-insurance-in-ohio#answer_11767</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 07 Sep 2013 15:08:03 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/what-is-the-best-homeowners-insurance-in-ohio#answer_11767</guid>
		<description><![CDATA[There is no single answer to that question.  Which Homeowners policy is best for you will depend on your individual situation.  Where do you live?  How old is your home?  Do you have a dog, a pool, a trampoline?  The best thing to do is speak with an independent agent and shop around.  An independent agent can help you shop multiple companies and advise you on which plan is right for you.]]></description>
		<content:encoded><![CDATA[There is no single answer to that question.  Which Homeowners policy is best for you will depend on your individual situation.  Where do you live?  How old is your home?  Do you have a dog, a pool, a trampoline?  The best thing to do is speak with an independent agent and shop around.  An independent agent can help you shop multiple companies and advise you on which plan is right for you.]]></content:encoded>
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	<item>
		<title>Answer on What Is Medicare J? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/what-is-medicare-j#answer_11231</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 31 Aug 2013 13:17:40 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/what-is-medicare-j#answer_11231</guid>
		<description><![CDATA[Plan J was a Medicare Supplement plan that offered prescription coverage.  This plan is no longer available to purchase as of June 2011.  It was a very comprehensive plan.  The closest you can purchase to Plan J today is Plan F with a separate  Prescription Drug Plan.  If you had a Plan J you may have been grandfathered however the Prescription coverage in Plan J was eliminated.]]></description>
		<content:encoded><![CDATA[Plan J was a Medicare Supplement plan that offered prescription coverage.  This plan is no longer available to purchase as of June 2011.  It was a very comprehensive plan.  The closest you can purchase to Plan J today is Plan F with a separate  Prescription Drug Plan.  If you had a Plan J you may have been grandfathered however the Prescription coverage in Plan J was eliminated.]]></content:encoded>
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		<title>Answer on How Can I Sign Up For Medicare? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/how-can-i-sign-up-for-medicare#answer_11229</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 31 Aug 2013 12:53:37 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/how-can-i-sign-up-for-medicare#answer_11229</guid>
		<description><![CDATA[You will automatically be enrolled as soon as you qualify due to age or disability.  If you do not receive your Medicare card by your 65th birthday you need to contact Social Security or call 1-800-Medicare.  Make sure you are enrolled in both part A and B unless you are still under a group plan.  Also be sure to select your Prescription Drug Plan (part D) even if you do not have prescriptions.]]></description>
		<content:encoded><![CDATA[You will automatically be enrolled as soon as you qualify due to age or disability.  If you do not receive your Medicare card by your 65th birthday you need to contact Social Security or call 1-800-Medicare.  Make sure you are enrolled in both part A and B unless you are still under a group plan.  Also be sure to select your Prescription Drug Plan (part D) even if you do not have prescriptions.]]></content:encoded>
	</item>
	<item>
		<title>Answer on Does Medicare Cover A Nursing Home? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/does-medicare-cover-a-nursing-home#answer_11227</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 31 Aug 2013 12:46:17 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/does-medicare-cover-a-nursing-home#answer_11227</guid>
		<description><![CDATA[Medicare coverage for Nursing Home is limited to Skilled Care for 100 days after a qualifying hospital stay of 3 days not counting day of discharge.  Medicare was never designed for long term nursing home stays.  To qualify as skilled care the patient must have been admitted to the nursing home for the same issue he was in the hospital, he must be able to improve with therapy, and the stay must be approved by Medicare.]]></description>
		<content:encoded><![CDATA[Medicare coverage for Nursing Home is limited to Skilled Care for 100 days after a qualifying hospital stay of 3 days not counting day of discharge.  Medicare was never designed for long term nursing home stays.  To qualify as skilled care the patient must have been admitted to the nursing home for the same issue he was in the hospital, he must be able to improve with therapy, and the stay must be approved by Medicare.]]></content:encoded>
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	<item>
		<title>Answer on How Do I Enroll In Medicare Part A? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/how-do-i-enroll-in-medicare-part-a#answer_11224</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 31 Aug 2013 12:16:15 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/how-do-i-enroll-in-medicare-part-a#answer_11224</guid>
		<description><![CDATA[If you have worked the required amount of time then you will automatically be enrolled in Medicare when you reach 65 or qualify due to disability.  You cannot enroll unless you meet the age or disability requirement.  If you do not meet the work requirement you may be able to buy in, contact 1-800-Medicare.  Unless you have group coverage make sure you also have Part B and select a Part D plan.  Otherwise you may have penalties.]]></description>
		<content:encoded><![CDATA[If you have worked the required amount of time then you will automatically be enrolled in Medicare when you reach 65 or qualify due to disability.  You cannot enroll unless you meet the age or disability requirement.  If you do not meet the work requirement you may be able to buy in, contact 1-800-Medicare.  Unless you have group coverage make sure you also have Part B and select a Part D plan.  Otherwise you may have penalties.]]></content:encoded>
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		<title>Answer on How Do You Buy Car Insurance In Ohio? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/how-do-you-buy-car-insurance-in-ohio#answer_11223</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 31 Aug 2013 12:11:15 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/how-do-you-buy-car-insurance-in-ohio#answer_11223</guid>
		<description><![CDATA[While you can purchase auto insurance through the mail or online, it is always best in my opinion, to purchase auto insurance through a local independent agent.  An independent agent can help you shop several companies, find you not only the best rate, but can also provide sound advice based on your individual circumstances.  A good agent can provide service ad help advocate any issues with the company.  Contrary to what some would like you to believe, you do not save money on agent commissions by shopping online.  A good agent can help you find the right coverage at the right price and provide the service you need.]]></description>
		<content:encoded><![CDATA[While you can purchase auto insurance through the mail or online, it is always best in my opinion, to purchase auto insurance through a local independent agent.  An independent agent can help you shop several companies, find you not only the best rate, but can also provide sound advice based on your individual circumstances.  A good agent can provide service ad help advocate any issues with the company.  Contrary to what some would like you to believe, you do not save money on agent commissions by shopping online.  A good agent can help you find the right coverage at the right price and provide the service you need.]]></content:encoded>
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		<title>Answer on Can Health Insurance Overlap? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/can-health-insurance-overlap#answer_11143</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 29 Aug 2013 15:43:58 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/can-health-insurance-overlap#answer_11143</guid>
		<description><![CDATA[If you have more than one insurance plan, they will coordinate benefits. &#160;You cannot get more than the actual claim. &#160;There are some supplemental plans that pay in addition to any other insurance but these are not true Major Medical insurance. &#160;Unless you are covered under a spouse group plan or Medicare, and the premium is very low it is usually not to your advantage to carry more than one health insurance plan.]]></description>
		<content:encoded><![CDATA[If you have more than one insurance plan, they will coordinate benefits. &nbsp;You cannot get more than the actual claim. &nbsp;There are some supplemental plans that pay in addition to any other insurance but these are not true Major Medical insurance. &nbsp;Unless you are covered under a spouse group plan or Medicare, and the premium is very low it is usually not to your advantage to carry more than one health insurance plan.]]></content:encoded>
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		<title>Answer on What Does Full Coverage Auto Insurance Entail? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/what-does-full-coverage-auto-insurance-entail#answer_11135</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 29 Aug 2013 13:21:26 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/what-does-full-coverage-auto-insurance-entail#answer_11135</guid>
		<description><![CDATA[Full coverage means that your automobile is covered in the event of an accident or other covered peril.  Collision covers your automobile in the event of a collision with a non animate object such as an automobile or other vehicle, or a tree or building.  Comprehensive covers your automobile for anything other than a collision, such as an animal strike, hail damage, a tree limb falling on your auto, windshield damage, vandalism. or theft.
Generally, these only cover up to the value of the vehicle depreciated for age.]]></description>
		<content:encoded><![CDATA[Full coverage means that your automobile is covered in the event of an accident or other covered peril.  Collision covers your automobile in the event of a collision with a non animate object such as an automobile or other vehicle, or a tree or building.  Comprehensive covers your automobile for anything other than a collision, such as an animal strike, hail damage, a tree limb falling on your auto, windshield damage, vandalism. or theft.
Generally, these only cover up to the value of the vehicle depreciated for age.]]></content:encoded>
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		<title>Answer on How Is Life Insurance Different From AD&#038;D? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/how-is-life-insurance-different-from-add#answer_11132</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 29 Aug 2013 13:14:36 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/how-is-life-insurance-different-from-add#answer_11132</guid>
		<description><![CDATA[They are two different policies.  An AD,D policy only covers accidental death and dismemberment.  A life insurance policy will pay a death benefit regardless of the cause of death unless specifically excluded.  Since ost people do not die as a result of an accident, AD&#038;D policy premiums are far lower than life insurance premiums.  An AD&#038;D rider can be added to most life insurance policies.]]></description>
		<content:encoded><![CDATA[They are two different policies.  An AD,D policy only covers accidental death and dismemberment.  A life insurance policy will pay a death benefit regardless of the cause of death unless specifically excluded.  Since ost people do not die as a result of an accident, AD&amp;D policy premiums are far lower than life insurance premiums.  An AD&amp;D rider can be added to most life insurance policies.]]></content:encoded>
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		<title>Answer on Can You Collect Disability And Unemployment Insurance At The Same Time? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/disability-insurance/can-you-collect-disability-and-unemployment-insurance-at-the-same-time#answer_11128</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 29 Aug 2013 13:01:48 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/disability-insurance/can-you-collect-disability-and-unemployment-insurance-at-the-same-time#answer_11128</guid>
		<description><![CDATA[If you are off work due to disability and are being covered under your employers disability plan then technically you are not unemployed and will not qualify for unemployment.  As a general rule the answer in most cases would be no you cannot.  There may be exceptions depending on the circumstances but these would be rare because disability payments is considered a source of income thus disqualifying you from unemployment until your disability runs out.]]></description>
		<content:encoded><![CDATA[If you are off work due to disability and are being covered under your employers disability plan then technically you are not unemployed and will not qualify for unemployment.  As a general rule the answer in most cases would be no you cannot.  There may be exceptions depending on the circumstances but these would be rare because disability payments is considered a source of income thus disqualifying you from unemployment until your disability runs out.]]></content:encoded>
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		<title>Answer on Does Long Term Care Insurance Cover Alzheimers? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/long-term-care-insurance/does-long-term-care-insurance-cover-alzheimers#answer_11127</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 29 Aug 2013 12:54:44 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/long-term-care-insurance/does-long-term-care-insurance-cover-alzheimers#answer_11127</guid>
		<description><![CDATA[Unless specifically excluded then yes it can cover disability due to Alzheimer&#039;s for up to the limits in the policy.
Do not rely on your disability policy to pay for a long term care facility or other types of care.  Disability policies can help by providing funds to pay the bills and lost income, but will not be able to pay the high cost of long term care.]]></description>
		<content:encoded><![CDATA[Unless specifically excluded then yes it can cover disability due to Alzheimer's for up to the limits in the policy.
Do not rely on your disability policy to pay for a long term care facility or other types of care.  Disability policies can help by providing funds to pay the bills and lost income, but will not be able to pay the high cost of long term care.]]></content:encoded>
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		<title>Answer on Does Long Term Disability Insurance Cover Maternity Leave? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/disability-insurance/does-long-term-disability-insurance-cover-maternity-leave#answer_11125</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 29 Aug 2013 12:44:11 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/disability-insurance/does-long-term-disability-insurance-cover-maternity-leave#answer_11125</guid>
		<description><![CDATA[It might depending on the policy and how it is set up. Most Long Term disability plans have a lengthy elimination period f 6 months to a year before the plan kicks in.  Generally, you are better off in this case to have a short term disability plan unless you become disabled for a long period due to complications.  Also, check your exclusions in the plan.]]></description>
		<content:encoded><![CDATA[It might depending on the policy and how it is set up. Most Long Term disability plans have a lengthy elimination period f 6 months to a year before the plan kicks in.  Generally, you are better off in this case to have a short term disability plan unless you become disabled for a long period due to complications.  Also, check your exclusions in the plan.]]></content:encoded>
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		<title>Answer on What Is The Dwelling Amount On Home Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/what-is-the-dwelling-amount-on-home-insurance#answer_8148</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 30 Jun 2013 10:50:23 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/what-is-the-dwelling-amount-on-home-insurance#answer_8148</guid>
		<description><![CDATA[This is the amount your home itself is covered for.  Generally you must be insured for at least 80% of the replacement cost of your home.  This is determined by calculations that insurance companies use based upon construction costs in your area.  Most companies require you to be insured for 100% of replacement cost.  This allows the company to completely rebuild your home in the event of a total loss.]]></description>
		<content:encoded><![CDATA[This is the amount your home itself is covered for.  Generally you must be insured for at least 80% of the replacement cost of your home.  This is determined by calculations that insurance companies use based upon construction costs in your area.  Most companies require you to be insured for 100% of replacement cost.  This allows the company to completely rebuild your home in the event of a total loss.]]></content:encoded>
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		<title>Answer on Who Are Annuities Right For? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/annuities/who-are-annuities-right-for#answer_8146</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 30 Jun 2013 10:30:59 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/annuities/who-are-annuities-right-for#answer_8146</guid>
		<description><![CDATA[There is no one correct answer to this question.  It depends on the reason for the annuity since annuities can be a tool for a number of situations.  The most common is use as a retirement funding tool.  Annuities are a safe way to accumulate money fore retirement and provide a guaranteed life income.  They can be used by those who do not have the resources to risk the market losses from stocks and other investments.  They can also be used as a cushion or safety net for other investments by those who have resources to invest but do not want to risk losing their entire portfolio.  Never use any long term investment as your sole savings vehicle.   Make sure you have the priorities first.  These are liquid savings of at least three to six months and a solid life insurance portfolio in case you do not live long enough to meet your retirement goal.  Then, based on your situation you can diversify into a combination of safe and risky investments.]]></description>
		<content:encoded><![CDATA[There is no one correct answer to this question.  It depends on the reason for the annuity since annuities can be a tool for a number of situations.  The most common is use as a retirement funding tool.  Annuities are a safe way to accumulate money fore retirement and provide a guaranteed life income.  They can be used by those who do not have the resources to risk the market losses from stocks and other investments.  They can also be used as a cushion or safety net for other investments by those who have resources to invest but do not want to risk losing their entire portfolio.  Never use any long term investment as your sole savings vehicle.   Make sure you have the priorities first.  These are liquid savings of at least three to six months and a solid life insurance portfolio in case you do not live long enough to meet your retirement goal.  Then, based on your situation you can diversify into a combination of safe and risky investments.]]></content:encoded>
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		<title>Answer on Does A 60 Year Old Need Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/does-a-60-year-old-need-life-insurance#answer_7171</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 18 Jun 2013 11:30:11 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/does-a-60-year-old-need-life-insurance#answer_7171</guid>
		<description><![CDATA[The answer to the question in most cases is yes.  As we get older we get closer to death, it is a fact of life.  When we die, someone will have to pay our final expenses and any debts we may incur. We may wish to provide for those we love and help relieve the burden of loss.  Life insurance provides that and more.]]></description>
		<content:encoded><![CDATA[The answer to the question in most cases is yes.  As we get older we get closer to death, it is a fact of life.  When we die, someone will have to pay our final expenses and any debts we may incur. We may wish to provide for those we love and help relieve the burden of loss.  Life insurance provides that and more.]]></content:encoded>
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		<title>Answer on Is Ira A Qualified Retirement Plan? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/retirement-plans/is-ira-a-qualified-retirement-plan#answer_6807</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 12 Jun 2013 10:18:20 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/retirement-plans/is-ira-a-qualified-retirement-plan#answer_6807</guid>
		<description><![CDATA[Yes, IRA&#039;s are considered qualified retirement plans.  Basically, qualified simply means that the government has established certain laws governing their tax favored status and rules about how those funds must be withdrawn.  IRA&#039;s are sold both through banks and insurance companies.  Insurance companies use an annuity to be the vehicle through which the IRA is funded.  A traditional IRA allows you to deduct your contributions from your taxes up to the limits specified by the Government.  A Roth IRA allows you to pay the taxes in the accumulation phase but are tax favored when you begin taking withdrawals.  See your tax advisor for details on how an IRA will work for you, then when you are ready, a good retirement planner can help you set things up in the best way for you.]]></description>
		<content:encoded><![CDATA[Yes, IRA's are considered qualified retirement plans.  Basically, qualified simply means that the government has established certain laws governing their tax favored status and rules about how those funds must be withdrawn.  IRA's are sold both through banks and insurance companies.  Insurance companies use an annuity to be the vehicle through which the IRA is funded.  A traditional IRA allows you to deduct your contributions from your taxes up to the limits specified by the Government.  A Roth IRA allows you to pay the taxes in the accumulation phase but are tax favored when you begin taking withdrawals.  See your tax advisor for details on how an IRA will work for you, then when you are ready, a good retirement planner can help you set things up in the best way for you.]]></content:encoded>
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		<title>Answer on When Can You Use Long Term Care Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/long-term-care-insurance/when-can-you-use-long-term-care-insurance#answer_6631</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 09 Jun 2013 23:46:24 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/long-term-care-insurance/when-can-you-use-long-term-care-insurance#answer_6631</guid>
		<description><![CDATA[Most policies will be eligible to file a claim when an individual can no longer perform at least two or three (depending on the policy) activities of daily living spelled out in the policy.  Once you meet this criteria file a claim with your company.  Once you satisfy the elimination period your policy will begin to pay.]]></description>
		<content:encoded><![CDATA[Most policies will be eligible to file a claim when an individual can no longer perform at least two or three (depending on the policy) activities of daily living spelled out in the policy.  Once you meet this criteria file a claim with your company.  Once you satisfy the elimination period your policy will begin to pay.]]></content:encoded>
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		<title>Answer on How Does Life Insurance Build Cash Value? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/how-does-life-insurance-build-cash-value#answer_6580</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 09 Jun 2013 12:15:54 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/how-does-life-insurance-build-cash-value#answer_6580</guid>
		<description><![CDATA[Life insurance spreads premium payments over your life expectancy.  As a result, in the early years you pay more for the insurance component than term insurance but in later years you pay less than you would one year term at the same age.  The excess premium in those early years is invested by the insurance company and is accumulated in the whole life policy in the form of guaranteed cash value.]]></description>
		<content:encoded><![CDATA[Life insurance spreads premium payments over your life expectancy.  As a result, in the early years you pay more for the insurance component than term insurance but in later years you pay less than you would one year term at the same age.  The excess premium in those early years is invested by the insurance company and is accumulated in the whole life policy in the form of guaranteed cash value.]]></content:encoded>
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		<title>Answer on Is Long Term Care Insurance Going Away? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/long-term-care-insurance/is-long-term-care-insurance-going-away#answer_6406</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 07 Jun 2013 10:59:02 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/long-term-care-insurance/is-long-term-care-insurance-going-away#answer_6406</guid>
		<description><![CDATA[Long Term Care Insurance is needed now more than ever. &#160;The trend I am seeing is that more companies are coming out with policies that are life insurance based which have a long term care rider attached. &#160;One problem with long term care is that people do not realize that they need it until it is too late and they can no longer afford it or qualify for it because of their health. &#160;While fewer companies are offering Long Term Care in the traditional sense, Long Term Care Insurance is not going to go away.]]></description>
		<content:encoded><![CDATA[Long Term Care Insurance is needed now more than ever. &nbsp;The trend I am seeing is that more companies are coming out with policies that are life insurance based which have a long term care rider attached. &nbsp;One problem with long term care is that people do not realize that they need it until it is too late and they can no longer afford it or qualify for it because of their health. &nbsp;While fewer companies are offering Long Term Care in the traditional sense, Long Term Care Insurance is not going to go away.]]></content:encoded>
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		<title>Answer on Can You Keep An Ex-Spouse On Your Health Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/can-you-keep-an-ex-spouse-on-your-health-insurance#answer_6403</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 07 Jun 2013 10:43:21 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/can-you-keep-an-ex-spouse-on-your-health-insurance#answer_6403</guid>
		<description><![CDATA[You will usually be required to take her off of your policy and have her pick up her own. Sometimes a judge will require you pay for your ex-spouses insurance, in which case she would need to pick up her own policy.  Check with your insurance company to be sure how they would handle your individual situation.]]></description>
		<content:encoded><![CDATA[You will usually be required to take her off of your policy and have her pick up her own. Sometimes a judge will require you pay for your ex-spouses insurance, in which case she would need to pick up her own policy.  Check with your insurance company to be sure how they would handle your individual situation.]]></content:encoded>
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		<title>Answer on Why Do They Draw Blood For Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/why-do-they-draw-blood-for-life-insurance#answer_6310</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 06 Jun 2013 12:20:43 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/why-do-they-draw-blood-for-life-insurance#answer_6310</guid>
		<description><![CDATA[Life insurance companies will draw blood depending on the amount of insurance.  They will check for HIV or Aids, nicotine, drugs, diabetes, liver problems and other health issues that affect mortality.  This helps the company underwrite the policy properly to determine the proper rating (premium) and insurability of the proposed insured..]]></description>
		<content:encoded><![CDATA[Life insurance companies will draw blood depending on the amount of insurance.  They will check for HIV or Aids, nicotine, drugs, diabetes, liver problems and other health issues that affect mortality.  This helps the company underwrite the policy properly to determine the proper rating (premium) and insurability of the proposed insured..]]></content:encoded>
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		<title>Answer on What Are The Benefits Of Critical Illness Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/critical-illness-insurance/what-are-the-benefits-of-critical-illness-insurance#answer_6301</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 06 Jun 2013 11:42:58 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/critical-illness-insurance/what-are-the-benefits-of-critical-illness-insurance#answer_6301</guid>
		<description><![CDATA[Look at the people you know.  How many people do you know who have had a stroke, heart attack, or other critical illness that will affect them the rest of their lives.  Critical illness coverage provides funds to pay for deductibles and copays, cost of medication, helps with rehab costs, and helps provide for lost income.  If you had a heart attack and couldn&#039;t work how long would you be able to meet your expenses?]]></description>
		<content:encoded><![CDATA[Look at the people you know.  How many people do you know who have had a stroke, heart attack, or other critical illness that will affect them the rest of their lives.  Critical illness coverage provides funds to pay for deductibles and copays, cost of medication, helps with rehab costs, and helps provide for lost income.  If you had a heart attack and couldn't work how long would you be able to meet your expenses?]]></content:encoded>
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		<title>Answer on What Is Retirement Plan Vesting? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/retirement-plans/what-is-retirement-plan-vesting#answer_6297</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 06 Jun 2013 10:31:14 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/retirement-plans/what-is-retirement-plan-vesting#answer_6297</guid>
		<description><![CDATA[When a retirement plan is vested you will be able to take that portion of the retirement plan with you if you lose or quit your job.  If a company pays in to a retirement plan they will usually require you work at that company for a specified period of time.  If you leave the portion of the plan that is vested will go with you after that point.]]></description>
		<content:encoded><![CDATA[When a retirement plan is vested you will be able to take that portion of the retirement plan with you if you lose or quit your job.  If a company pays in to a retirement plan they will usually require you work at that company for a specified period of time.  If you leave the portion of the plan that is vested will go with you after that point.]]></content:encoded>
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		<title>Answer on Does Health Insurance Cover Childbirth? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/does-health-insurance-cover-childbirth#answer_6296</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 06 Jun 2013 10:23:48 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/does-health-insurance-cover-childbirth#answer_6296</guid>
		<description><![CDATA[It will depend on whether your policy covers maternity or not.  Usually complications of pregnancy would be covered but not necessarily normal pregnancy.  Check your policy or call your company.  Beginning in 2014 maternity is a requirement according to the new health care mandates for minimum required coverage.  This is part of the reasons you will see cost of health insurance rise.]]></description>
		<content:encoded><![CDATA[It will depend on whether your policy covers maternity or not.  Usually complications of pregnancy would be covered but not necessarily normal pregnancy.  Check your policy or call your company.  Beginning in 2014 maternity is a requirement according to the new health care mandates for minimum required coverage.  This is part of the reasons you will see cost of health insurance rise.]]></content:encoded>
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		<title>Answer on How Can I Get Life Insurance On My Father? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/how-can-i-get-life-insurance-on-my-father#answer_6032</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 03 Jun 2013 13:13:36 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/how-can-i-get-life-insurance-on-my-father#answer_6032</guid>
		<description><![CDATA[To get life insurance on a parent you must have his knowledge and consent.  He will have to sign the application and qualify medically.  It is not unusual for a child to take out a policy on a parent to cover final expenses.  In some cases it may even be preferable due to certain Medicaid rules.]]></description>
		<content:encoded><![CDATA[To get life insurance on a parent you must have his knowledge and consent.  He will have to sign the application and qualify medically.  It is not unusual for a child to take out a policy on a parent to cover final expenses.  In some cases it may even be preferable due to certain Medicaid rules.]]></content:encoded>
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		<title>Answer on How Old Should You Be To Get Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/how-old-should-you-be-to-get-life-insurance#answer_6016</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 03 Jun 2013 12:14:08 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/how-old-should-you-be-to-get-life-insurance#answer_6016</guid>
		<description><![CDATA[The younger and healthier you are the lower the rates.  If your parent does not provide you with a good starter policy, then as soon as you can afford insurance the better.  Depending on your need and financial situation, you can start with term insurance or go with a combination of term and whole life.  A good independent agent can help you find the plan right for you.]]></description>
		<content:encoded><![CDATA[The younger and healthier you are the lower the rates.  If your parent does not provide you with a good starter policy, then as soon as you can afford insurance the better.  Depending on your need and financial situation, you can start with term insurance or go with a combination of term and whole life.  A good independent agent can help you find the plan right for you.]]></content:encoded>
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		<title>Answer on Does Life Insurance Cover AD&#038;D? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/does-life-insurance-cover-add#answer_5764</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 31 May 2013 10:45:46 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/does-life-insurance-cover-add#answer_5764</guid>
		<description><![CDATA[A life insurance may have an Accidental Death Rider that would cover AD&#038;D but not all policies have this rider.  It will still pay for accidental death if it does not have this rider but not dismemberment (loss of limb, etc).  If you want Accidental Death and Dismemberment then make sure your policy has this rider or purchase a separate Accident policy.]]></description>
		<content:encoded><![CDATA[A life insurance may have an Accidental Death Rider that would cover AD&amp;D but not all policies have this rider.  It will still pay for accidental death if it does not have this rider but not dismemberment (loss of limb, etc).  If you want Accidental Death and Dismemberment then make sure your policy has this rider or purchase a separate Accident policy.]]></content:encoded>
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		<title>Answer on Will Medicare Pay For A Nebulizer? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/will-medicare-pay-for-a-nebulizer#answer_5726</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 30 May 2013 21:21:27 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/will-medicare-pay-for-a-nebulizer#answer_5726</guid>
		<description><![CDATA[Yes in most cases.  As long as it is a medical necessity and prescribed by a doctor these will usually be covered as durable medical equipment under Part B of Medicare.  The drug used in the nebulizer will most likely be covered under your prescription drug plan.]]></description>
		<content:encoded><![CDATA[Yes in most cases.  As long as it is a medical necessity and prescribed by a doctor these will usually be covered as durable medical equipment under Part B of Medicare.  The drug used in the nebulizer will most likely be covered under your prescription drug plan.]]></content:encoded>
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		<title>Answer on How Does Car Insurance Excess Work? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/how-does-car-insurance-excess-work#answer_5642</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 30 May 2013 11:14:04 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/how-does-car-insurance-excess-work#answer_5642</guid>
		<description><![CDATA[I am not sure exactly what you mean by this question.  My thoughts are that you are referring to a policy that will pay the excess amount if your car is totaled and you still owe more than the car is worth.  For example, you owe $25000 on your car and it is totaled.  The insurance company pays the book, which is $20,000.  Under some polices you are still on the hook for the balance, even though you no longer have the car.  A policy that includes excess would pay off the car completely.]]></description>
		<content:encoded><![CDATA[I am not sure exactly what you mean by this question.  My thoughts are that you are referring to a policy that will pay the excess amount if your car is totaled and you still owe more than the car is worth.  For example, you owe $25000 on your car and it is totaled.  The insurance company pays the book, which is $20,000.  Under some polices you are still on the hook for the balance, even though you no longer have the car.  A policy that includes excess would pay off the car completely.]]></content:encoded>
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		<title>Answer on Why Do Annuities Have A Bad Reputation? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/annuities/why-do-annuities-have-a-bad-reputation#answer_5640</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 30 May 2013 11:08:55 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/annuities/why-do-annuities-have-a-bad-reputation#answer_5640</guid>
		<description><![CDATA[In addition to Ed Harris comment on this, there has also been a few bad agents who have sold inappropriate annuities to individuals.  That is why laws have been set up to make sure that an annuity is suitable for the individual.  When you purchase an annuity you must fill out a suitability form.  If the company see&#039;s that the annuity is not suitable they will not issue the annuity.]]></description>
		<content:encoded><![CDATA[In addition to Ed Harris comment on this, there has also been a few bad agents who have sold inappropriate annuities to individuals.  That is why laws have been set up to make sure that an annuity is suitable for the individual.  When you purchase an annuity you must fill out a suitability form.  If the company see's that the annuity is not suitable they will not issue the annuity.]]></content:encoded>
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		<title>Answer on Does Geico Renters Insurance Cover Hurricanes? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/renters-insurance/does-geico-renters-insurance-cover-hurricanes#answer_5638</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 30 May 2013 11:03:19 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/renters-insurance/does-geico-renters-insurance-cover-hurricanes#answer_5638</guid>
		<description><![CDATA[Unless it is specifically excluded in your policy, any renters policy, not just Geico, will cover damage caused by hurricane or any other peril.Check with your agent to be sure of your particular policy but I am not aware of any company that excludes hurricanes or damage caused by hurricanes.]]></description>
		<content:encoded><![CDATA[Unless it is specifically excluded in your policy, any renters policy, not just Geico, will cover damage caused by hurricane or any other peril.Check with your agent to be sure of your particular policy but I am not aware of any company that excludes hurricanes or damage caused by hurricanes.]]></content:encoded>
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		<title>Answer on Who Is Covered On Home Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/who-is-covered-on-home-insurance#answer_5634</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 30 May 2013 10:50:08 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/who-is-covered-on-home-insurance#answer_5634</guid>
		<description><![CDATA[Homeowners insurance will cover the named insured and any family members who live in the house.  It will also cover visitors belongings and any property you have stored in your house for another person.  If a non-family member lives with you and is a permanent resident then you may want to include them as an additional insured on your policy.  It will also cover anyone who is injured on your property and files a lawsuit on the liability prortion of your policy or a visitor who is injured and needs medical attention under the Medical pay portion of your policy.]]></description>
		<content:encoded><![CDATA[Homeowners insurance will cover the named insured and any family members who live in the house.  It will also cover visitors belongings and any property you have stored in your house for another person.  If a non-family member lives with you and is a permanent resident then you may want to include them as an additional insured on your policy.  It will also cover anyone who is injured on your property and files a lawsuit on the liability prortion of your policy or a visitor who is injured and needs medical attention under the Medical pay portion of your policy.]]></content:encoded>
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		<title>Answer on What Is Bankers Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-is-bankers-life-insurance#answer_5627</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 30 May 2013 10:16:47 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-is-bankers-life-insurance#answer_5627</guid>
		<description><![CDATA[Bankers Life is not an insurance policy it is the name of a company.  There are actually several companies that include Bankers Life as part of their name.  Bankers Life and Casualty is the largest.  There is also Bankers Fidelity and others but when people say Bankers Life they are usually referring to Bankers Life and Casualty.]]></description>
		<content:encoded><![CDATA[Bankers Life is not an insurance policy it is the name of a company.  There are actually several companies that include Bankers Life as part of their name.  Bankers Life and Casualty is the largest.  There is also Bankers Fidelity and others but when people say Bankers Life they are usually referring to Bankers Life and Casualty.]]></content:encoded>
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		<title>Answer on What Is Included In Full Coverage Auto Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/what-is-included-in-full-coverage-auto-insurance#answer_5626</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 30 May 2013 10:13:06 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/what-is-included-in-full-coverage-auto-insurance#answer_5626</guid>
		<description><![CDATA[The full coverage portion of your auto insurance is Collision which covers your car in the event of an at fault accident.  Comprehensive or Other than Collision covers your car for things like animal strikes, vandalism, tree limbs falling on your car, rocks thru your windshield, anything that is not a collision.  Many policies also include towing.  Some companies have a few other little bells and whistles.]]></description>
		<content:encoded><![CDATA[The full coverage portion of your auto insurance is Collision which covers your car in the event of an at fault accident.  Comprehensive or Other than Collision covers your car for things like animal strikes, vandalism, tree limbs falling on your car, rocks thru your windshield, anything that is not a collision.  Many policies also include towing.  Some companies have a few other little bells and whistles.]]></content:encoded>
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		<title>Answer on Will My Health Insurance Cover A Breast Pump? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/will-my-health-insurance-cover-a-breast-pump#answer_5467</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 29 May 2013 11:14:17 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/will-my-health-insurance-cover-a-breast-pump#answer_5467</guid>
		<description><![CDATA[Check with your company but I would say no in most cases.  Breast Pumps are not a medically necessary item, they are more of a convenience and really not that expensive anyway.  If there is a medical necessity then it is possible your company would approve the breast pump.]]></description>
		<content:encoded><![CDATA[Check with your company but I would say no in most cases.  Breast Pumps are not a medically necessary item, they are more of a convenience and really not that expensive anyway.  If there is a medical necessity then it is possible your company would approve the breast pump.]]></content:encoded>
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		<title>Answer on What Does Long Term Care Insurance Provide? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/long-term-care-insurance/what-does-long-term-care-insurance-provide#answer_5457</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 29 May 2013 10:41:08 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/long-term-care-insurance/what-does-long-term-care-insurance-provide#answer_5457</guid>
		<description><![CDATA[Depending on the policy your Long Term Care will provide coverage in a Nursing Home, Assisted Living, Independent Living or even at home if you cannot perform 2 or 3 activities of daily living such as bathing, toileting, you are cognitively impaired, transferring from a chair or to bed or other ADL&#039;s named in your policy.&#160; The policy helps provide the funds necessary according to the terms of the policy.&#160; Since each policy can be set up differently see an agent experienced in Long Term Care Resource Planning to help you find and put together a plan that best fits your budget.]]></description>
		<content:encoded><![CDATA[Depending on the policy your Long Term Care will provide coverage in a Nursing Home, Assisted Living, Independent Living or even at home if you cannot perform 2 or 3 activities of daily living such as bathing, toileting, you are cognitively impaired, transferring from a chair or to bed or other ADL's named in your policy.&nbsp; The policy helps provide the funds necessary according to the terms of the policy.&nbsp; Since each policy can be set up differently see an agent experienced in Long Term Care Resource Planning to help you find and put together a plan that best fits your budget.]]></content:encoded>
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		<title>Answer on When Is Open Enrollment For Medicare D? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/when-is-open-enrollment-for-medicare-d#answer_5450</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 29 May 2013 10:06:02 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/when-is-open-enrollment-for-medicare-d#answer_5450</guid>
		<description><![CDATA[Open enrollment is from October 15th thru December 7th.  If you are just turning 65 you also have an Initial Enrollment period 3 months before the month of and 3 months after you turn 65 or become eligible for Medicare.  You may also have a Special Election period in some circumstances.]]></description>
		<content:encoded><![CDATA[Open enrollment is from October 15th thru December 7th.  If you are just turning 65 you also have an Initial Enrollment period 3 months before the month of and 3 months after you turn 65 or become eligible for Medicare.  You may also have a Special Election period in some circumstances.]]></content:encoded>
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		<title>Answer on What Is Co Payment In Medicare? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/what-is-co-payment-in-medicare#answer_5281</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 28 May 2013 11:00:02 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/what-is-co-payment-in-medicare#answer_5281</guid>
		<description><![CDATA[A co-payment is the portion of the bill you are responsible for.  Under original Medicare you are responsible for 20% of the Medicare Approved amount.  You will receive an explanation of benefits from Medicare outlining what the charges were, what was approved, what they paid and what you are responsible for.  Your doctor cannot balance bill you the difference.  Some states allow 15% over the Medicare approved amount in excess charges.]]></description>
		<content:encoded><![CDATA[A co-payment is the portion of the bill you are responsible for.  Under original Medicare you are responsible for 20% of the Medicare Approved amount.  You will receive an explanation of benefits from Medicare outlining what the charges were, what was approved, what they paid and what you are responsible for.  Your doctor cannot balance bill you the difference.  Some states allow 15% over the Medicare approved amount in excess charges.]]></content:encoded>
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		<title>Answer on How Much Should I Invest In Annuities? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/annuities/how-much-should-i-invest-in-annuities#answer_5278</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 28 May 2013 10:46:56 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/annuities/how-much-should-i-invest-in-annuities#answer_5278</guid>
		<description><![CDATA[It depends on your circumstances.  Never invest all of your funds in one vehicle.  You need to keep some funds in liquid sources and then diversify the rest according to your individual circumstances, goals and comfort level.  Whatever vehicle you choose to do this, invest as much as possible but make sure you understand the limitations and accessibility factors involved.  A good independent agent or financial adviser can help you]]></description>
		<content:encoded><![CDATA[It depends on your circumstances.  Never invest all of your funds in one vehicle.  You need to keep some funds in liquid sources and then diversify the rest according to your individual circumstances, goals and comfort level.  Whatever vehicle you choose to do this, invest as much as possible but make sure you understand the limitations and accessibility factors involved.  A good independent agent or financial adviser can help you]]></content:encoded>
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		<title>Answer on What Can I Do With My Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-can-i-do-with-my-life-insurance#answer_5276</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 28 May 2013 10:36:30 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-can-i-do-with-my-life-insurance#answer_5276</guid>
		<description><![CDATA[I am not sure what exactly you mean by this question.  There are many answers. I will give a few. Life insurance is meant primarily to provide a death benefit.  Depending on the type of policy you may also have some living benefits however.  Some policies provide accelerated death benefits for those who are diagnosed with a terminal illness.  A Whole Life plan may have cash value you can borrow from if you have an emergency and need money.  It also has non-forfeiture provisions that prevent you from losing the insurance completely if you cant pay the premium by utilizing the cash value that is in the policy to keep it in force.  There are some companies who buy life insurance policies.]]></description>
		<content:encoded><![CDATA[I am not sure what exactly you mean by this question.  There are many answers. I will give a few. Life insurance is meant primarily to provide a death benefit.  Depending on the type of policy you may also have some living benefits however.  Some policies provide accelerated death benefits for those who are diagnosed with a terminal illness.  A Whole Life plan may have cash value you can borrow from if you have an emergency and need money.  It also has non-forfeiture provisions that prevent you from losing the insurance completely if you cant pay the premium by utilizing the cash value that is in the policy to keep it in force.  There are some companies who buy life insurance policies.]]></content:encoded>
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		<title>Answer on How Do I Know Which Medicare Plan Is Best For Me? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/how-do-i-know-which-medicare-plan-is-best-for-me#answer_5275</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 28 May 2013 10:29:05 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/how-do-i-know-which-medicare-plan-is-best-for-me#answer_5275</guid>
		<description><![CDATA[The best thing to do is to sit down with an independent agent who specializes in Medicare Health Plans and represents most of the major carriers of those plans.  A good agent will help you navigate the Medicare.Gov website, help you look up your drugs, doctors and hospitals to find the Medicare Advantage Plans most suited to you or he may, based on your circumstance recommend a Medicare Supplement instead and will help you find a good affordable plan.  It is very difficult to do this on your own.  A good experienced agent can save you a lot of time and heartache.]]></description>
		<content:encoded><![CDATA[The best thing to do is to sit down with an independent agent who specializes in Medicare Health Plans and represents most of the major carriers of those plans.  A good agent will help you navigate the Medicare.Gov website, help you look up your drugs, doctors and hospitals to find the Medicare Advantage Plans most suited to you or he may, based on your circumstance recommend a Medicare Supplement instead and will help you find a good affordable plan.  It is very difficult to do this on your own.  A good experienced agent can save you a lot of time and heartache.]]></content:encoded>
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		<title>Answer on Who Sells Cancer Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/critical-illness-insurance/who-sells-cancer-insurance#answer_5274</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 28 May 2013 10:23:57 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/critical-illness-insurance/who-sells-cancer-insurance#answer_5274</guid>
		<description><![CDATA[A number of companies offer Cancer plans.  To name a few, Standard Life and Accident, Bankers Fidelity, Bankers Life, Washington National, Sterling Life, and many more.  If you are looking for a cancer plan call a good independent life insuance agent who can help you find a good plan that fits your needs and budget.]]></description>
		<content:encoded><![CDATA[A number of companies offer Cancer plans.  To name a few, Standard Life and Accident, Bankers Fidelity, Bankers Life, Washington National, Sterling Life, and many more.  If you are looking for a cancer plan call a good independent life insuance agent who can help you find a good plan that fits your needs and budget.]]></content:encoded>
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		<title>Answer on How Much Is A Car Insurance Deductible? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/how-much-is-a-car-insurance-deductible#answer_5272</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 28 May 2013 10:09:21 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/how-much-is-a-car-insurance-deductible#answer_5272</guid>
		<description><![CDATA[It depends on your policy.  You choose your deductible.  I have seen collision deductibles as loww as $100 and Comprehensive deductibles with no deductible.  Don&#039;t just look at the deductible.  Very often you save enough money by choosing a higher deductible that it offsets the deductible difference.]]></description>
		<content:encoded><![CDATA[It depends on your policy.  You choose your deductible.  I have seen collision deductibles as loww as $100 and Comprehensive deductibles with no deductible.  Don't just look at the deductible.  Very often you save enough money by choosing a higher deductible that it offsets the deductible difference.]]></content:encoded>
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		<title>Answer on How Much Does The Average Car Insurance Cost? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/how-much-does-the-average-car-insurance-cost#answer_5271</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 28 May 2013 10:05:35 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/how-much-does-the-average-car-insurance-cost#answer_5271</guid>
		<description><![CDATA[Sorry, no way to answer this.  It depends on age, driving record, area you live in, type of car you drive.  Call a good independent agent to help you shop for the best rates.  A good agent is invaluable if you need good advice on how to handle a claim or need help understanding your policy.]]></description>
		<content:encoded><![CDATA[Sorry, no way to answer this.  It depends on age, driving record, area you live in, type of car you drive.  Call a good independent agent to help you shop for the best rates.  A good agent is invaluable if you need good advice on how to handle a claim or need help understanding your policy.]]></content:encoded>
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		<title>Answer on Does Life Insurance Pay Double Accidental Death? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/does-life-insurance-pay-double-accidental-death#answer_5156</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 27 May 2013 10:15:59 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/does-life-insurance-pay-double-accidental-death#answer_5156</guid>
		<description><![CDATA[Not all policies do, it depends on your contract.  If the policy has a double indemnity clause then yes it will otherwise the answer is no.  My advice is to sit down with a good experienced independent life insurance agent and do a complete policy review to help you understand the policies you now own.]]></description>
		<content:encoded><![CDATA[Not all policies do, it depends on your contract.  If the policy has a double indemnity clause then yes it will otherwise the answer is no.  My advice is to sit down with a good experienced independent life insurance agent and do a complete policy review to help you understand the policies you now own.]]></content:encoded>
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		<title>Answer on Can Annuities Be Put In A Trust? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/annuities/can-annuities-be-put-in-a-trust#answer_5152</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 27 May 2013 09:47:25 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/annuities/can-annuities-be-put-in-a-trust#answer_5152</guid>
		<description><![CDATA[Definitely!  Depending on the situation a trust can be an excellent place to put an annuity.  A good financial planner can help you decide the type of trust, if any, you may need, if an annuity is appropriate for your situation and help you set it up.  There are a variety of planning strategies involving annuities and trusts.]]></description>
		<content:encoded><![CDATA[Definitely!  Depending on the situation a trust can be an excellent place to put an annuity.  A good financial planner can help you decide the type of trust, if any, you may need, if an annuity is appropriate for your situation and help you set it up.  There are a variety of planning strategies involving annuities and trusts.]]></content:encoded>
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		<title>Answer on What Annuities Are Best? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/annuities/what-annuities-are-best#answer_5024</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 26 May 2013 11:07:53 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/annuities/what-annuities-are-best#answer_5024</guid>
		<description><![CDATA[It depends on the reason for the annuity and what your goals are.  Most annuities are built on the same chassis.  Then they add extra features to differentiate them and target specific needs.  Look for a financially strong company that has the feature you want.  It is best to sit down with a good adviser who represents many companies and let him help you find the company that best suites your individual circumstances.]]></description>
		<content:encoded><![CDATA[It depends on the reason for the annuity and what your goals are.  Most annuities are built on the same chassis.  Then they add extra features to differentiate them and target specific needs.  Look for a financially strong company that has the feature you want.  It is best to sit down with a good adviser who represents many companies and let him help you find the company that best suites your individual circumstances.]]></content:encoded>
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		<title>Answer on What Is A Normal Deductible For Homeowners Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/what-is-a-normal-deductible-for-homeowners-insurance#answer_5019</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 26 May 2013 10:50:55 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/what-is-a-normal-deductible-for-homeowners-insurance#answer_5019</guid>
		<description><![CDATA[The average I have seen is $500 or $1000 in today&#039;s world.&#160; When you examine the premium savings from the lower to higher deductible it usually makes more sense to choose the higher deductible.&#160; You will save more than the difference in just a year or two.]]></description>
		<content:encoded><![CDATA[The average I have seen is $500 or $1000 in today's world.&nbsp; When you examine the premium savings from the lower to higher deductible it usually makes more sense to choose the higher deductible.&nbsp; You will save more than the difference in just a year or two.]]></content:encoded>
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		<title>Answer on What Is Life Insurance Assignment? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-is-life-insurance-assignment#answer_5014</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 26 May 2013 10:26:56 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-is-life-insurance-assignment#answer_5014</guid>
		<description><![CDATA[Generally this would be when you assign ownership or benefits of a life insurance policy to another individual or business.&#160; This is common for example when making preneed funeral arrangements.&#160; The insurance policy is assigned to the funeral home.&#160; Sometimes assignment may be used to help cover a debt.]]></description>
		<content:encoded><![CDATA[Generally this would be when you assign ownership or benefits of a life insurance policy to another individual or business.&nbsp; This is common for example when making preneed funeral arrangements.&nbsp; The insurance policy is assigned to the funeral home.&nbsp; Sometimes assignment may be used to help cover a debt.]]></content:encoded>
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		<title>Answer on Is Interest Earned On Annuities Taxable? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/annuities/is-interest-earned-on-annuities-taxable#answer_4934</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 25 May 2013 10:37:35 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/annuities/is-interest-earned-on-annuities-taxable#answer_4934</guid>
		<description><![CDATA[There are two basic types of annuities, qualified and non-qualified.  A qualified annuity would be a traditional IRA for example.  You can deduct contributions from your taxes each year up to a specified amount.  Once you begin taking payments, you pay taxes on the payment amount.  A non-qualified plan is not tax deductible but the interest is tax deferred until you withdraw the funds.  You will pay taxes in either case it is just a matter of how and when.]]></description>
		<content:encoded><![CDATA[There are two basic types of annuities, qualified and non-qualified.  A qualified annuity would be a traditional IRA for example.  You can deduct contributions from your taxes each year up to a specified amount.  Once you begin taking payments, you pay taxes on the payment amount.  A non-qualified plan is not tax deductible but the interest is tax deferred until you withdraw the funds.  You will pay taxes in either case it is just a matter of how and when.]]></content:encoded>
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		<title>Answer on What Can Life Insurance Money Be Used For? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-can-life-insurance-money-be-used-for#answer_4931</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 25 May 2013 10:18:18 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-can-life-insurance-money-be-used-for#answer_4931</guid>
		<description><![CDATA[The beneficiary can use the money however he or she wants.  Usually it is used to take care of final expenses or another need that the insurance was taken out for but that is at the digression of the beneficiary.  For example, a policy may have been taken out to help cover the mortgage with the spouse as beneficiary.  Upon death the spouse may go ahead and pay off the mortgage or they may choose to do something else with the money, it is up to them.]]></description>
		<content:encoded><![CDATA[The beneficiary can use the money however he or she wants.  Usually it is used to take care of final expenses or another need that the insurance was taken out for but that is at the digression of the beneficiary.  For example, a policy may have been taken out to help cover the mortgage with the spouse as beneficiary.  Upon death the spouse may go ahead and pay off the mortgage or they may choose to do something else with the money, it is up to them.]]></content:encoded>
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		<title>Answer on How Late Can You Be On Car Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/how-late-can-you-be-on-car-insurance#answer_4803</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 24 May 2013 11:48:14 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/how-late-can-you-be-on-car-insurance#answer_4803</guid>
		<description><![CDATA[Technically there is no grace period when it comes to auto and home insurance.  If you fail to pay on time and are involved in an accident you may be denied coverage   If you are a few days late most companies will accept the premium with no lapse of coverage.  If you are running late with your premium call your agent.]]></description>
		<content:encoded><![CDATA[Technically there is no grace period when it comes to auto and home insurance.  If you fail to pay on time and are involved in an accident you may be denied coverage   If you are a few days late most companies will accept the premium with no lapse of coverage.  If you are running late with your premium call your agent.]]></content:encoded>
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		<title>Answer on Does Renters Insurance Cover Robbery? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/renters-insurance/does-renters-insurance-cover-robbery#answer_4802</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 24 May 2013 11:43:12 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/renters-insurance/does-renters-insurance-cover-robbery#answer_4802</guid>
		<description><![CDATA[Depending on your policy yes, most renters insurance covers robbery and theft.  It is always a good idea to keep receipts or pictures of any expensive items you have in your home.  Some companies will require proof that you actually had the articles you are claiming.  Unfortunately this is an area where a great deal of insurance fraud takes place so by taking pictures and keeping receipts you are protecting yourself and the company.]]></description>
		<content:encoded><![CDATA[Depending on your policy yes, most renters insurance covers robbery and theft.  It is always a good idea to keep receipts or pictures of any expensive items you have in your home.  Some companies will require proof that you actually had the articles you are claiming.  Unfortunately this is an area where a great deal of insurance fraud takes place so by taking pictures and keeping receipts you are protecting yourself and the company.]]></content:encoded>
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		<title>Answer on Does Disability Insurance Cover Depression? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/disability-insurance/does-disability-insurance-cover-depression#answer_4800</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 24 May 2013 11:39:06 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/disability-insurance/does-disability-insurance-cover-depression#answer_4800</guid>
		<description><![CDATA[As long as it is not a pre-existing condition or excluded in the policy it may be depending on the company and terms of the policy.  Each company has different guidelines.  Depression can be disabling.  Check with a local experienced independent agent who specializes in life and health insurance.  A good agent can help you select a plan right for you.]]></description>
		<content:encoded><![CDATA[As long as it is not a pre-existing condition or excluded in the policy it may be depending on the company and terms of the policy.  Each company has different guidelines.  Depression can be disabling.  Check with a local experienced independent agent who specializes in life and health insurance.  A good agent can help you select a plan right for you.]]></content:encoded>
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		<title>Answer on Why Do They Take Blood And Urine For Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/why-do-they-take-blood-and-urine-for-life-insurance#answer_4797</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 24 May 2013 11:29:58 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/why-do-they-take-blood-and-urine-for-life-insurance#answer_4797</guid>
		<description><![CDATA[This is designed to test for tobacco, drugs, and sexually transmitted disease such as HIV.  A famous basketball player discovered he had HIV through an insurance exam.  By doing blood and urine it helps the company put you in the proper rate class.  If you are clean this can be a benefit and save you money on your premium by helping you qualifying for super-preferred rates.]]></description>
		<content:encoded><![CDATA[This is designed to test for tobacco, drugs, and sexually transmitted disease such as HIV.  A famous basketball player discovered he had HIV through an insurance exam.  By doing blood and urine it helps the company put you in the proper rate class.  If you are clean this can be a benefit and save you money on your premium by helping you qualifying for super-preferred rates.]]></content:encoded>
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		<title>Answer on What Type Of Insurance Is Disability Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/disability-insurance/what-type-of-insurance-is-disability-insurance#answer_4794</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 24 May 2013 11:21:51 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/disability-insurance/what-type-of-insurance-is-disability-insurance#answer_4794</guid>
		<description><![CDATA[Disability insurance is a form of health insurance designed to protect your income in the event of a covered sickness or accident.  Unlike life insurance it provides a living benefit.  Disability insurance is not utilized by individuals the way it should be, especially in younger years.  If you do not have it through your employer then you need to consider disability coverage.]]></description>
		<content:encoded><![CDATA[Disability insurance is a form of health insurance designed to protect your income in the event of a covered sickness or accident.  Unlike life insurance it provides a living benefit.  Disability insurance is not utilized by individuals the way it should be, especially in younger years.  If you do not have it through your employer then you need to consider disability coverage.]]></content:encoded>
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		<title>Answer on How Long Does It Take To File A Life Insurance Claim? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/how-long-does-it-take-to-file-a-life-insurance-claim#answer_4788</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 24 May 2013 11:00:18 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/how-long-does-it-take-to-file-a-life-insurance-claim#answer_4788</guid>
		<description><![CDATA[When a person dies, call your agent or the company.  The agent can help you fill out the death claim form.  You will need a copy of the death certificate.  Once the company receives the death claim and death certificate they will usually issue a check very quickly, usually within a couple weeks.]]></description>
		<content:encoded><![CDATA[When a person dies, call your agent or the company.  The agent can help you fill out the death claim form.  You will need a copy of the death certificate.  Once the company receives the death claim and death certificate they will usually issue a check very quickly, usually within a couple weeks.]]></content:encoded>
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		<title>Answer on Can You Deduct Health Insurance Premiums On Your Taxes? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/can-you-deduct-health-insurance-premiums-on-your-taxes#answer_4787</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 24 May 2013 10:39:19 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/can-you-deduct-health-insurance-premiums-on-your-taxes#answer_4787</guid>
		<description><![CDATA[In many cases the answer would be yes.  There are situations that the premiums may be deductible.  A self employed individual for example may be able to take a deduction.  If you file long form and are able to itemize deductions you may be able to include health insurance premiums.  Check with your tax adviser on the exact rules for your situation.]]></description>
		<content:encoded><![CDATA[In many cases the answer would be yes.  There are situations that the premiums may be deductible.  A self employed individual for example may be able to take a deduction.  If you file long form and are able to itemize deductions you may be able to include health insurance premiums.  Check with your tax adviser on the exact rules for your situation.]]></content:encoded>
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		<title>Answer on What Does Life Insurance In Force Mean? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-does-life-insurance-in-force-mean#answer_4784</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 24 May 2013 10:28:09 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-does-life-insurance-in-force-mean#answer_4784</guid>
		<description><![CDATA[This would be the total amount of life insurance you have on yourself or the company has on all of its policy holders combined depending on whether you are speaking of an individual or the insurance company.  In the case of the individual, gather up all of your insurance policies and add up the face amounts to determine how much life insurance you have on yourself.  The insurance companies produce an annual report that shows the total amount of life insurance they have on all of there policy holders.]]></description>
		<content:encoded><![CDATA[This would be the total amount of life insurance you have on yourself or the company has on all of its policy holders combined depending on whether you are speaking of an individual or the insurance company.  In the case of the individual, gather up all of your insurance policies and add up the face amounts to determine how much life insurance you have on yourself.  The insurance companies produce an annual report that shows the total amount of life insurance they have on all of there policy holders.]]></content:encoded>
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		<title>Answer on Does Homeowners Insurance Cover Underground Plumbing? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/does-homeowners-insurance-cover-underground-plumbing#answer_4782</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 24 May 2013 10:19:05 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/does-homeowners-insurance-cover-underground-plumbing#answer_4782</guid>
		<description><![CDATA[No it is not going to cover underground plumbing.  It would be very hard for underground plumbing to be damaged by a covered peril.  If you feel there is an unusual situation that may possibly be covered then examine your policy or call you agent.  He can help you determine whether it is covered or not.]]></description>
		<content:encoded><![CDATA[No it is not going to cover underground plumbing.  It would be very hard for underground plumbing to be damaged by a covered peril.  If you feel there is an unusual situation that may possibly be covered then examine your policy or call you agent.  He can help you determine whether it is covered or not.]]></content:encoded>
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		<title>Answer on Can I Get Disability Insurance If Pregnant? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/disability-insurance/can-i-get-disability-insurance-if-pregnant#answer_4780</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 24 May 2013 10:13:29 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/disability-insurance/can-i-get-disability-insurance-if-pregnant#answer_4780</guid>
		<description><![CDATA[No you will have to wait until the baby is born.  No insurance company will want to accept the increased risk of complications.  Disability policies are designed to protect against unforeseen risks.  If the company knows you are pregnant then it also knows that there may be a period of time you will not be able to work after the baby comes.  It would be buying a claim.]]></description>
		<content:encoded><![CDATA[No you will have to wait until the baby is born.  No insurance company will want to accept the increased risk of complications.  Disability policies are designed to protect against unforeseen risks.  If the company knows you are pregnant then it also knows that there may be a period of time you will not be able to work after the baby comes.  It would be buying a claim.]]></content:encoded>
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		<title>Answer on How Much Should Renters Insurance Cover? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/renters-insurance/how-much-should-renters-insurance-cover#answer_4779</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 24 May 2013 10:08:23 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/renters-insurance/how-much-should-renters-insurance-cover#answer_4779</guid>
		<description><![CDATA[Renters insurance is designed to cover your personal property.  Determine the approximate value of your belongings including your clothes if there was a total loss in a fire or other covered loss and base the amount you purchase on that.  Make sure your policy will pay full replacement without depreciation.  It will also cover you for liabilility]]></description>
		<content:encoded><![CDATA[Renters insurance is designed to cover your personal property.  Determine the approximate value of your belongings including your clothes if there was a total loss in a fire or other covered loss and base the amount you purchase on that.  Make sure your policy will pay full replacement without depreciation.  It will also cover you for liabilility]]></content:encoded>
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		<title>Answer on How Much Critical Illness Insurance To Buy? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/critical-illness-insurance/how-much-critical-illness-insurance-to-buy#answer_4759</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 23 May 2013 20:26:34 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/critical-illness-insurance/how-much-critical-illness-insurance-to-buy#answer_4759</guid>
		<description><![CDATA[It would depend on your individual situation.  I would look at how much money you would need to keep the family going if you develop a critical illness and cannot work.  Take in consideration disability payments, health insurance, and affordability.  A good agent will sit down and help you evaluate your individual situation.]]></description>
		<content:encoded><![CDATA[It would depend on your individual situation.  I would look at how much money you would need to keep the family going if you develop a critical illness and cannot work.  Take in consideration disability payments, health insurance, and affordability.  A good agent will sit down and help you evaluate your individual situation.]]></content:encoded>
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		<title>Answer on How Does Insurance Determine The Value Of A Totaled Car? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/how-does-insurance-determine-the-value-of-a-totaled-car#answer_4757</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 23 May 2013 20:19:25 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/how-does-insurance-determine-the-value-of-a-totaled-car#answer_4757</guid>
		<description><![CDATA[The company looks at the cost of repair and compares it to the wholesale value of the car to determine whether or not to total the car in the event of an accident.  Each company may have a different evaluation in this regard but as a general rule of thumb, that is what they will look at.]]></description>
		<content:encoded><![CDATA[The company looks at the cost of repair and compares it to the wholesale value of the car to determine whether or not to total the car in the event of an accident.  Each company may have a different evaluation in this regard but as a general rule of thumb, that is what they will look at.]]></content:encoded>
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		<title>Answer on What Are The Largest Health Insurance Companies In The US? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/what-are-the-largest-health-insurance-companies-in-the-us#answer_4755</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 23 May 2013 20:16:22 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/what-are-the-largest-health-insurance-companies-in-the-us#answer_4755</guid>
		<description><![CDATA[United Healthcare, Aetna, Humana, the Blue Cross/ Blue Shield family of companies would be among the largest health insurance companies overall.  There are others as well.  United Healthcare is the largest health insurance company.  It is listed in very high in the Fortune 500.  With the affordable Care Act some smaller companies will be absorbed by the larger companies.]]></description>
		<content:encoded><![CDATA[United Healthcare, Aetna, Humana, the Blue Cross/ Blue Shield family of companies would be among the largest health insurance companies overall.  There are others as well.  United Healthcare is the largest health insurance company.  It is listed in very high in the Fortune 500.  With the affordable Care Act some smaller companies will be absorbed by the larger companies.]]></content:encoded>
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		<title>Answer on Does Life Insurance Count As An Asset? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/does-life-insurance-count-as-an-asset#answer_4753</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 23 May 2013 20:10:23 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/does-life-insurance-count-as-an-asset#answer_4753</guid>
		<description><![CDATA[Yes it can be an asset, especially for Medicaid purposes.  For example the state of Ohio counts any life insurance policy with cash values greater than $1500 as an asset.  Some state vary on how this is treated.  Life insurance can avoid probate unless the estate is listed as beneficiary and is protected from creditors however.]]></description>
		<content:encoded><![CDATA[Yes it can be an asset, especially for Medicaid purposes.  For example the state of Ohio counts any life insurance policy with cash values greater than $1500 as an asset.  Some state vary on how this is treated.  Life insurance can avoid probate unless the estate is listed as beneficiary and is protected from creditors however.]]></content:encoded>
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		<title>Answer on What Is The Best Age To Buy Long Term Care Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/long-term-care-insurance/what-is-the-best-age-to-buy-long-term-care-insurance#answer_4752</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 23 May 2013 20:06:00 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/long-term-care-insurance/what-is-the-best-age-to-buy-long-term-care-insurance#answer_4752</guid>
		<description><![CDATA[Like life insurance, your money may pay for it but it is your health that buys it.  The sooner you purchase your Long Term Care Insurance the better.  Buy it while your health is still good.  Long Term Care can sometimes be hard to get if you have health issues.]]></description>
		<content:encoded><![CDATA[Like life insurance, your money may pay for it but it is your health that buys it.  The sooner you purchase your Long Term Care Insurance the better.  Buy it while your health is still good.  Long Term Care can sometimes be hard to get if you have health issues.]]></content:encoded>
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		<title>Answer on What Is The Difference Between Life Insurance And Critical Illness? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-is-the-difference-between-life-insurance-and-critical-illness#answer_4710</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 23 May 2013 12:03:45 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-is-the-difference-between-life-insurance-and-critical-illness#answer_4710</guid>
		<description><![CDATA[Life insurance covers you in the event of death.  Critical illness covers you while you are alive, providing cash to care for the extra expenses involved with a critical illness.  Some life insurance policies offer a critical illness rider that will pay a portion of the death benefit while you are still alive. if you are diagnosed with a critical illness]]></description>
		<content:encoded><![CDATA[Life insurance covers you in the event of death.  Critical illness covers you while you are alive, providing cash to care for the extra expenses involved with a critical illness.  Some life insurance policies offer a critical illness rider that will pay a portion of the death benefit while you are still alive. if you are diagnosed with a critical illness]]></content:encoded>
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		<title>Answer on Does Renters Insurance Cover Broken Computer? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/renters-insurance/does-renters-insurance-cover-broken-computer#answer_4706</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 23 May 2013 11:08:47 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/renters-insurance/does-renters-insurance-cover-broken-computer#answer_4706</guid>
		<description><![CDATA[Renters insurance is not designed to cover a broken computer unless the damage is due to a covered peril.  If your computer is damaged in a fire, is stolen, a windstorm causes a tree to fall into your house, that type of thing.  It is not designed to cover your hard drive crashing or general breakdown due to normal use.]]></description>
		<content:encoded><![CDATA[Renters insurance is not designed to cover a broken computer unless the damage is due to a covered peril.  If your computer is damaged in a fire, is stolen, a windstorm causes a tree to fall into your house, that type of thing.  It is not designed to cover your hard drive crashing or general breakdown due to normal use.]]></content:encoded>
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		<title>Answer on How Important Is Disability Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/disability-insurance/how-important-is-disability-insurance#answer_4704</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 23 May 2013 11:00:38 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/disability-insurance/how-important-is-disability-insurance#answer_4704</guid>
		<description><![CDATA[If you are working and you need your pay check to meet the bills then disability insurance can be very important.  Your chance of becoming disabled prior to retirement far exceed the risk of premature death.  Most families do not have enough savings to see them through an extended period with no pay coming in.]]></description>
		<content:encoded><![CDATA[If you are working and you need your pay check to meet the bills then disability insurance can be very important.  Your chance of becoming disabled prior to retirement far exceed the risk of premature death.  Most families do not have enough savings to see them through an extended period with no pay coming in.]]></content:encoded>
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		<title>Answer on What Is The Cost Of Cancer Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/critical-illness-insurance/what-is-the-cost-of-cancer-insurance#answer_4703</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 23 May 2013 10:57:01 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/critical-illness-insurance/what-is-the-cost-of-cancer-insurance#answer_4703</guid>
		<description><![CDATA[It depends on the policy and amount of coverage.  Cancer plans are usually very affordable.  I like critical illness plans better.  A critical illness plan can include cancer bu it also covers things like heart attack, stroke, and other critical illnesses that can be devastating to a person, even f they have health insurance.  The cost is not much greater.]]></description>
		<content:encoded><![CDATA[It depends on the policy and amount of coverage.  Cancer plans are usually very affordable.  I like critical illness plans better.  A critical illness plan can include cancer bu it also covers things like heart attack, stroke, and other critical illnesses that can be devastating to a person, even f they have health insurance.  The cost is not much greater.]]></content:encoded>
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		<title>Answer on How Are Annuities Different From Mutual Funds? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/annuities/how-are-annuities-different-from-mutual-funds#answer_4702</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 23 May 2013 10:51:12 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/annuities/how-are-annuities-different-from-mutual-funds#answer_4702</guid>
		<description><![CDATA[Mutual Funds are securities tied to the stock market.  They are subject to the gains and losses of the market more directly than an annuity.  An Indexed annuity is tied to stock indexes but they are much safer than a mutual fund in that you are protected from the losses of the market.  Since you have that protection, you will generally not have the gains of the stock market.  Annuities are safe money and a good way to provide for an retirement without the risk.  Mutual Funds and stocks have more risk but greater gain potential.  Which is better for you depends on your personal situation, goals, and risk tolerance.]]></description>
		<content:encoded><![CDATA[Mutual Funds are securities tied to the stock market.  They are subject to the gains and losses of the market more directly than an annuity.  An Indexed annuity is tied to stock indexes but they are much safer than a mutual fund in that you are protected from the losses of the market.  Since you have that protection, you will generally not have the gains of the stock market.  Annuities are safe money and a good way to provide for an retirement without the risk.  Mutual Funds and stocks have more risk but greater gain potential.  Which is better for you depends on your personal situation, goals, and risk tolerance.]]></content:encoded>
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		<title>Answer on What Are The Best Jobs For Cheap Car Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/what-are-the-best-jobs-for-cheap-car-insurance#answer_4701</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 23 May 2013 10:42:41 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/what-are-the-best-jobs-for-cheap-car-insurance#answer_4701</guid>
		<description><![CDATA[Car insurance is not based on your job it is based on the annual mileage and miles you drive to work.  If you do not commute and drive less than 6000 miles per year, for example, your rates will be lower than a person who drives his car all day in business putting 40,000 miles per year on his car.]]></description>
		<content:encoded><![CDATA[Car insurance is not based on your job it is based on the annual mileage and miles you drive to work.  If you do not commute and drive less than 6000 miles per year, for example, your rates will be lower than a person who drives his car all day in business putting 40,000 miles per year on his car.]]></content:encoded>
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		<title>Answer on What Does Car Insurance Legal Protection Cover? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/what-does-car-insurance-legal-protection-cover#answer_4700</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 23 May 2013 10:38:31 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/what-does-car-insurance-legal-protection-cover#answer_4700</guid>
		<description><![CDATA[Your liability&#160; coverage will provide legal protection in the event you are sued as a result of&#160; covered at fault accident or injury.&#160; They generally will represent you in court and deal with the other companies attorneys&#160; You will be protected up to the liability limits of your auto policy.&#160; In todays world I recommend no less than $100,000 and preferably at least $300,000 limits of liability.]]></description>
		<content:encoded><![CDATA[Your liability&nbsp; coverage will provide legal protection in the event you are sued as a result of&nbsp; covered at fault accident or injury.&nbsp; They generally will represent you in court and deal with the other companies attorneys&nbsp; You will be protected up to the liability limits of your auto policy.&nbsp; In todays world I recommend no less than $100,000 and preferably at least $300,000 limits of liability.]]></content:encoded>
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		<title>Answer on Can You Cancel Car Insurance Halfway Through? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/can-you-cancel-car-insurance-halfway-through#answer_4699</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 23 May 2013 10:34:22 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/can-you-cancel-car-insurance-halfway-through#answer_4699</guid>
		<description><![CDATA[You can cancel car insurance at any time.  Do not do so until you have another policy in place.  Many states require auto insurance with minimum liability requirements.  Driving without insurance can cost you your privilege to drive.  Many states are starting to spot check you by requiring you send proof of insurance for a specified date, so do not throw away your old proof of insurance right awa.]]></description>
		<content:encoded><![CDATA[You can cancel car insurance at any time.  Do not do so until you have another policy in place.  Many states require auto insurance with minimum liability requirements.  Driving without insurance can cost you your privilege to drive.  Many states are starting to spot check you by requiring you send proof of insurance for a specified date, so do not throw away your old proof of insurance right awa.]]></content:encoded>
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		<title>Answer on Can Doctors Be Forced To Accept Medicare? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/can-doctors-be-forced-to-accept-medicare#answer_4698</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 23 May 2013 10:28:53 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/can-doctors-be-forced-to-accept-medicare#answer_4698</guid>
		<description><![CDATA[No doctors cannot be forced to accept Medicare.  Any doctor can choose whether or not to accept Medicare assignment.  To do so however could have a big economic impact on their bottom line.  Considering the number of people aging in to Medicare, refusing Medicare patients could be cutting their own throats.]]></description>
		<content:encoded><![CDATA[No doctors cannot be forced to accept Medicare.  Any doctor can choose whether or not to accept Medicare assignment.  To do so however could have a big economic impact on their bottom line.  Considering the number of people aging in to Medicare, refusing Medicare patients could be cutting their own throats.]]></content:encoded>
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		<title>Answer on Is Long Term Care Insurance Still Worth The Price? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/long-term-care-insurance/is-long-term-care-insurance-still-worth-the-price#answer_4696</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 23 May 2013 10:19:12 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/long-term-care-insurance/is-long-term-care-insurance-still-worth-the-price#answer_4696</guid>
		<description><![CDATA[When you consider the cost of Long Term Care facilities and the likelihood of needing long term care it is very much worth the price.  Estates have been devastated by Nursing Home and Assisted living costs.  Long Term Care insurance can make a difference of being able to stay home, going to an assisted living or being forced into a nursing home.  If you have a legacy you want to leave for your family, long term care insurance should be looked at.]]></description>
		<content:encoded><![CDATA[When you consider the cost of Long Term Care facilities and the likelihood of needing long term care it is very much worth the price.  Estates have been devastated by Nursing Home and Assisted living costs.  Long Term Care insurance can make a difference of being able to stay home, going to an assisted living or being forced into a nursing home.  If you have a legacy you want to leave for your family, long term care insurance should be looked at.]]></content:encoded>
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		<title>Answer on Will Health Insurance Pay For Implant Removal? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/will-health-insurance-pay-for-implant-removal#answer_4666</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 22 May 2013 22:29:19 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/will-health-insurance-pay-for-implant-removal#answer_4666</guid>
		<description><![CDATA[It would depend on the reason for the removal.  If your health is in jeopardy due to the implant or complications of the implant then it may be covered.  If however you just want it removed for cosmetic reasons then chances are it will not be.  Check with your agent or insurance company.]]></description>
		<content:encoded><![CDATA[It would depend on the reason for the removal.  If your health is in jeopardy due to the implant or complications of the implant then it may be covered.  If however you just want it removed for cosmetic reasons then chances are it will not be.  Check with your agent or insurance company.]]></content:encoded>
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		<title>Answer on Who Regulates Homeowners Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/who-regulates-homeowners-insurance#answer_4664</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 22 May 2013 22:23:39 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/who-regulates-homeowners-insurance#answer_4664</guid>
		<description><![CDATA[Your states insurance department would be the regulator in regards to any insurance product other tan Medicare Advantage.  While policies are pretty standardized it is your state that would provide regulation and enforcement of insurance companies who offer home insurance. If you have an issue with a company regarding claims contact your state department of insurance to file a complaint.]]></description>
		<content:encoded><![CDATA[Your states insurance department would be the regulator in regards to any insurance product other tan Medicare Advantage.  While policies are pretty standardized it is your state that would provide regulation and enforcement of insurance companies who offer home insurance. If you have an issue with a company regarding claims contact your state department of insurance to file a complaint.]]></content:encoded>
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		<title>Answer on Can I Drive An Uninsured Car On My Own Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/can-i-drive-an-uninsured-car-on-my-own-insurance#answer_4660</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 22 May 2013 22:15:32 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/can-i-drive-an-uninsured-car-on-my-own-insurance#answer_4660</guid>
		<description><![CDATA[Yes, insurance will follow the driver.  This applies only to the liability coverage however if you are driving someone else s car that is not covered by insurance.  There are some situations where the Collision and Comprehensive portion of your policy may be extended to the other vehicle.  For example, if you purchase a new car and haven&#039;t added it to your policy as yet, then as long as you had full coverage on the old vehicle, that coverage would extend.]]></description>
		<content:encoded><![CDATA[Yes, insurance will follow the driver.  This applies only to the liability coverage however if you are driving someone else s car that is not covered by insurance.  There are some situations where the Collision and Comprehensive portion of your policy may be extended to the other vehicle.  For example, if you purchase a new car and haven't added it to your policy as yet, then as long as you had full coverage on the old vehicle, that coverage would extend.]]></content:encoded>
	</item>
	<item>
		<title>Answer on Why Is Boys Car Insurance Higher? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/why-is-boys-car-insurance-higher#answer_4658</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 22 May 2013 22:02:12 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/why-is-boys-car-insurance-higher#answer_4658</guid>
		<description><![CDATA[Insurance companies look at statistics and loss ratio&#039;s to set their rates.  Unfortunately, boys have a higher loss ratio and incidence of accidents than girls.  Is it always fair, probably not.  Many boys are much better drivers than girls.  But until the statistics change, that is just the way it is.]]></description>
		<content:encoded><![CDATA[Insurance companies look at statistics and loss ratio's to set their rates.  Unfortunately, boys have a higher loss ratio and incidence of accidents than girls.  Is it always fair, probably not.  Many boys are much better drivers than girls.  But until the statistics change, that is just the way it is.]]></content:encoded>
	</item>
	<item>
		<title>Answer on Can My Landlord Require Renters Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/renters-insurance/can-my-landlord-require-renters-insurance#answer_4657</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 22 May 2013 21:59:19 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/renters-insurance/can-my-landlord-require-renters-insurance#answer_4657</guid>
		<description><![CDATA[Yes he can.  Many are starting to do so.  It provides extra protection for a landlord in the event of lawsuit.  A landlord has the right to put in any clause he would like in a lease as long as it is legal and non-discriminatory.  I advise carrying renters insurance anyway to protect yourself and your belongings.]]></description>
		<content:encoded><![CDATA[Yes he can.  Many are starting to do so.  It provides extra protection for a landlord in the event of lawsuit.  A landlord has the right to put in any clause he would like in a lease as long as it is legal and non-discriminatory.  I advise carrying renters insurance anyway to protect yourself and your belongings.]]></content:encoded>
	</item>
	<item>
		<title>Answer on Can I Cancel My Medicare Part D? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/can-i-cancel-my-medicare-part-d#answer_4581</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 22 May 2013 10:31:13 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/can-i-cancel-my-medicare-part-d#answer_4581</guid>
		<description><![CDATA[You can only drop or change your plan during open enrollment.  I highly discourage dropping Part D completely.  There are very inexpensive plans available if you do not have many prescriptions.  Medicare will impose a penalty for every month that goes by that you were eligible for but not enrolled in Part D.  This can become very expensive, especially as your health deteriorates and you begin to take more prescriptions and need the Prescription drug plan.  The penalty never goes away unless you qualify for Low Incom Eubsidy or Medicaid.]]></description>
		<content:encoded><![CDATA[You can only drop or change your plan during open enrollment.  I highly discourage dropping Part D completely.  There are very inexpensive plans available if you do not have many prescriptions.  Medicare will impose a penalty for every month that goes by that you were eligible for but not enrolled in Part D.  This can become very expensive, especially as your health deteriorates and you begin to take more prescriptions and need the Prescription drug plan.  The penalty never goes away unless you qualify for Low Incom Eubsidy or Medicaid.]]></content:encoded>
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	<item>
		<title>Answer on Can I Get Disability Insurance If I Have Cancer? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/disability-insurance/can-i-get-disability-insurance-if-i-have-cancer#answer_4547</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 21 May 2013 22:30:28 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/disability-insurance/can-i-get-disability-insurance-if-i-have-cancer#answer_4547</guid>
		<description><![CDATA[Depending on the exact type of cancer, most companies would probably not issue the policy if you are currently being treated.  Cancer can be a devastating disease.  No company will issue a policy knowing there is likely to be a claim in the very near future.  If you have a minor skin cancer then you may be able to receive coverage, otherwise it is doubtful.  The only way to find out is to speak with an agent and do a trial application or have him call underwriting at the company for a preliminary evaluation.]]></description>
		<content:encoded><![CDATA[Depending on the exact type of cancer, most companies would probably not issue the policy if you are currently being treated.  Cancer can be a devastating disease.  No company will issue a policy knowing there is likely to be a claim in the very near future.  If you have a minor skin cancer then you may be able to receive coverage, otherwise it is doubtful.  The only way to find out is to speak with an agent and do a trial application or have him call underwriting at the company for a preliminary evaluation.]]></content:encoded>
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	<item>
		<title>Answer on Does Renting Your House Affect Your Homeowners Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/does-renting-your-house-affect-your-homeowners-insurance#answer_4546</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 21 May 2013 22:25:05 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/does-renting-your-house-affect-your-homeowners-insurance#answer_4546</guid>
		<description><![CDATA[Homeowners insurance is designed to cover owner occupied homes.  If you rent the property then you need to go to a policy designed for rental property.  If a company finds out that you do not live in the property you will very likely be non-renewed.  If your renter causes a fire there may be problems with a claim.  Talk to your local independent agent about the proper coverage.]]></description>
		<content:encoded><![CDATA[Homeowners insurance is designed to cover owner occupied homes.  If you rent the property then you need to go to a policy designed for rental property.  If a company finds out that you do not live in the property you will very likely be non-renewed.  If your renter causes a fire there may be problems with a claim.  Talk to your local independent agent about the proper coverage.]]></content:encoded>
	</item>
	<item>
		<title>Answer on Does Credit Rating Affect Home Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/does-credit-rating-affect-home-insurance#answer_4545</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 21 May 2013 22:22:12 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/does-credit-rating-affect-home-insurance#answer_4545</guid>
		<description><![CDATA[It can depending n the company.  A persons credit rating has a direct correlation with claims, according to statistics.  Many insurance companies run an insurance credit score.  The better the score the greater the discount you may get.  There are many factors involved in the insurance score, credit is just one of those factors.]]></description>
		<content:encoded><![CDATA[It can depending n the company.  A persons credit rating has a direct correlation with claims, according to statistics.  Many insurance companies run an insurance credit score.  The better the score the greater the discount you may get.  There are many factors involved in the insurance score, credit is just one of those factors.]]></content:encoded>
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	<item>
		<title>Answer on What Is Flexible Adjustable Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-is-flexible-adjustable-life-insurance#answer_4544</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 21 May 2013 22:18:38 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-is-flexible-adjustable-life-insurance#answer_4544</guid>
		<description><![CDATA[This is another name for Universal Life.  A Universal Life plan has flexible premiums.  You can vary the amount you pay in.  The more you put in the greater the cash value buildup.  The face amount is adjustable.  you can vary the face amount by increasing or decreasing without having to purchase a new policy.  You can increase the face amount subject to underwriting.]]></description>
		<content:encoded><![CDATA[This is another name for Universal Life.  A Universal Life plan has flexible premiums.  You can vary the amount you pay in.  The more you put in the greater the cash value buildup.  The face amount is adjustable.  you can vary the face amount by increasing or decreasing without having to purchase a new policy.  You can increase the face amount subject to underwriting.]]></content:encoded>
	</item>
	<item>
		<title>Answer on Does Home Insurance Cover A Roof? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/does-home-insurance-cover-a-roof#answer_4538</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 21 May 2013 21:24:58 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/does-home-insurance-cover-a-roof#answer_4538</guid>
		<description><![CDATA[Your Home insurance cover your roof for perils covered with your policy.  It will not cover normal wear and replacement.  So if your damage is caused by wind, fire or hail for example, it would be covered.  If your 30 year shingles are 35 years old and starting to buckle from age they will not be.]]></description>
		<content:encoded><![CDATA[Your Home insurance cover your roof for perils covered with your policy.  It will not cover normal wear and replacement.  So if your damage is caused by wind, fire or hail for example, it would be covered.  If your 30 year shingles are 35 years old and starting to buckle from age they will not be.]]></content:encoded>
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		<title>Answer on Does A Stay At Home Mom Need Disability Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/disability-insurance/does-a-stay-at-home-mom-need-disability-insurance#answer_4520</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 21 May 2013 19:05:50 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/disability-insurance/does-a-stay-at-home-mom-need-disability-insurance#answer_4520</guid>
		<description><![CDATA[No, in fact a company will not issue you a policy.  Disability policies require an income and there are rules as to how much of a percentage of that income can be replaced with a disability policy.  If you have no income then you do not need a disability policy.]]></description>
		<content:encoded><![CDATA[No, in fact a company will not issue you a policy.  Disability policies require an income and there are rules as to how much of a percentage of that income can be replaced with a disability policy.  If you have no income then you do not need a disability policy.]]></content:encoded>
	</item>
	<item>
		<title>Answer on Can I Buy Auto Insurance Without A License? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/can-i-buy-auto-insurance-without-a-license#answer_4519</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 21 May 2013 19:03:46 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/can-i-buy-auto-insurance-without-a-license#answer_4519</guid>
		<description><![CDATA[If you do not have a drivers license you should not be driving a car, it is illegal.  If you own a car and drive you should have insurance.  It would depend on the laws in your state and the insurance company involved to determine whether or not to issue you a policy.]]></description>
		<content:encoded><![CDATA[If you do not have a drivers license you should not be driving a car, it is illegal.  If you own a car and drive you should have insurance.  It would depend on the laws in your state and the insurance company involved to determine whether or not to issue you a policy.]]></content:encoded>
	</item>
	<item>
		<title>Answer on Why Am I Forced To Buy Auto Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/why-am-i-forced-to-buy-auto-insurance#answer_4518</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 21 May 2013 18:58:26 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/why-am-i-forced-to-buy-auto-insurance#answer_4518</guid>
		<description><![CDATA[While no one expects to be in an accident, it does happen, even to the best drivers.  If you injure someone and you are at fault you have a legal and moral responsibility to that person.  By requiring auto insurance the states are making sure that those who drive are willing to accept financial responsibility.  Driving is a privilege not a right.]]></description>
		<content:encoded><![CDATA[While no one expects to be in an accident, it does happen, even to the best drivers.  If you injure someone and you are at fault you have a legal and moral responsibility to that person.  By requiring auto insurance the states are making sure that those who drive are willing to accept financial responsibility.  Driving is a privilege not a right.]]></content:encoded>
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	<item>
		<title>Answer on Can You Deduct Homeowners Insurance From Your Taxes? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/can-you-deduct-homeowners-insurance-from-your-taxes#answer_4517</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 21 May 2013 18:54:12 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/can-you-deduct-homeowners-insurance-from-your-taxes#answer_4517</guid>
		<description><![CDATA[Not unless your home is also your business.  If you have an office in your home that portion of the home is deductible and the insurance on that portion  would also be.  As a rule though the answer would be no.  Check with your tax adviser for guidance on your personal situation.]]></description>
		<content:encoded><![CDATA[Not unless your home is also your business.  If you have an office in your home that portion of the home is deductible and the insurance on that portion  would also be.  As a rule though the answer would be no.  Check with your tax adviser for guidance on your personal situation.]]></content:encoded>
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	<item>
		<title>Answer on What Will Void A Life Insurance Policy? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-will-void-a-life-insurance-policy#answer_4516</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 21 May 2013 18:51:16 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-will-void-a-life-insurance-policy#answer_4516</guid>
		<description><![CDATA[If a person lies on an application the policy will be rescinded and premiums paid refunded.  For example, if you have sound reason to believe that you have cancer.  Even though it hasn&#039;t yet been diagnosed, if the company finds out or you die within two years the policy will not pay.]]></description>
		<content:encoded><![CDATA[If a person lies on an application the policy will be rescinded and premiums paid refunded.  For example, if you have sound reason to believe that you have cancer.  Even though it hasn't yet been diagnosed, if the company finds out or you die within two years the policy will not pay.]]></content:encoded>
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		<title>Answer on Can You Take Out A Life Insurance Policy On A Stranger? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/can-you-take-out-a-life-insurance-policy-on-a-stranger#answer_4515</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 21 May 2013 18:48:27 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/can-you-take-out-a-life-insurance-policy-on-a-stranger#answer_4515</guid>
		<description><![CDATA[No, you must have insurable interest, such as a family member, an employee or business partner, or a spouse.  The individual must sign the application in your presence and be fully aware of the transaction.  Any policy taken out without a persons knowledge is considered fraud and could be subject to criminal action.]]></description>
		<content:encoded><![CDATA[No, you must have insurable interest, such as a family member, an employee or business partner, or a spouse.  The individual must sign the application in your presence and be fully aware of the transaction.  Any policy taken out without a persons knowledge is considered fraud and could be subject to criminal action.]]></content:encoded>
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	<item>
		<title>Answer on Can Life Insurance Go To A Trust? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/can-life-insurance-go-to-a-trust#answer_4514</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 21 May 2013 18:45:37 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/can-life-insurance-go-to-a-trust#answer_4514</guid>
		<description><![CDATA[Yes.  A trust can be very advantageous depending on the reason for the trust and the type of trust.  For example, you can use a Funeral Trust as a way to pre-fund your funeral and protect your life insurance from Medicaid spend down.  An experienced agent can look at your individual situation and help determine if a trust would benefit you.]]></description>
		<content:encoded><![CDATA[Yes.  A trust can be very advantageous depending on the reason for the trust and the type of trust.  For example, you can use a Funeral Trust as a way to pre-fund your funeral and protect your life insurance from Medicaid spend down.  An experienced agent can look at your individual situation and help determine if a trust would benefit you.]]></content:encoded>
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		<title>Answer on How Much Disability Insurance You Need? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/disability-insurance/how-much-disability-insurance-you-need#answer_4472</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 21 May 2013 11:59:23 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/disability-insurance/how-much-disability-insurance-you-need#answer_4472</guid>
		<description><![CDATA[Regulations will only allow between 50 and 80% of your income in most cases.  Disability insurance is designed to help pay the bills if you become disabled for a period of time.  Look at the maximum you are allowed based on your income.  If you feel you can get by with less then adjust it accordingly.]]></description>
		<content:encoded><![CDATA[Regulations will only allow between 50 and 80% of your income in most cases.  Disability insurance is designed to help pay the bills if you become disabled for a period of time.  Look at the maximum you are allowed based on your income.  If you feel you can get by with less then adjust it accordingly.]]></content:encoded>
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	<item>
		<title>Answer on How To Get Cheap Health Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/how-to-get-cheap-health-insurance#answer_4465</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 21 May 2013 11:33:13 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/how-to-get-cheap-health-insurance#answer_4465</guid>
		<description><![CDATA[If you want the least exposure at the lowest premium then I recommend looking at an HSA qualified plan.  The deductible is higher but if you are healthy you will save more on premium than the one or two doctor visits per year.  An HSA qualified health plan will provide the most protection if you do have to go to the hospital or your health turns bad, at the lowest premium.  A good independent agent dealing with health insurance can help you find a plan that fits your budget.]]></description>
		<content:encoded><![CDATA[If you want the least exposure at the lowest premium then I recommend looking at an HSA qualified plan.  The deductible is higher but if you are healthy you will save more on premium than the one or two doctor visits per year.  An HSA qualified health plan will provide the most protection if you do have to go to the hospital or your health turns bad, at the lowest premium.  A good independent agent dealing with health insurance can help you find a plan that fits your budget.]]></content:encoded>
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	<item>
		<title>Answer on Can You Get Medicare At Age 62? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/can-you-get-medicare-at-age-62#answer_4460</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 21 May 2013 11:27:11 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/can-you-get-medicare-at-age-62#answer_4460</guid>
		<description><![CDATA[Only if you qualify for Social Security Disability.  Medicare starts at age 65.  When you qualify you should automatically receive your card and correspondence from Medicare.  If you feel you may be qualified but haven&#039;t received your card then you need to call your local Social Security office or 1-800-MEDICARE.]]></description>
		<content:encoded><![CDATA[Only if you qualify for Social Security Disability.  Medicare starts at age 65.  When you qualify you should automatically receive your card and correspondence from Medicare.  If you feel you may be qualified but haven't received your card then you need to call your local Social Security office or 1-800-MEDICARE.]]></content:encoded>
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	<item>
		<title>Answer on Can You Have Car Insurance Without Owning A Car? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/can-you-have-car-insurance-without-owning-a-car#answer_4457</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 21 May 2013 11:19:17 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/can-you-have-car-insurance-without-owning-a-car#answer_4457</guid>
		<description><![CDATA[Yes you can purchase liability insurance or a financial responsibility bond.  If you drive you need to have insurance.  Some states require it.  It does not matter if you own a car or not.  A good independent insurance agent can help you find an affordable policy.]]></description>
		<content:encoded><![CDATA[Yes you can purchase liability insurance or a financial responsibility bond.  If you drive you need to have insurance.  Some states require it.  It does not matter if you own a car or not.  A good independent insurance agent can help you find an affordable policy.]]></content:encoded>
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	<item>
		<title>Answer on Will Homeowners Insurance Cover Termite Damage? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/will-homeowners-insurance-cover-termite-damage#answer_4454</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 21 May 2013 11:11:22 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/will-homeowners-insurance-cover-termite-damage#answer_4454</guid>
		<description><![CDATA[As a rule the answer would be no.  Termites are not considered a covered peril by most companies.  Homeowners is not designed to cover general maintenance.   Termites fall under that category.  If a structure collapses then damage to the personal property may be covered and possibly the structure.]]></description>
		<content:encoded><![CDATA[As a rule the answer would be no.  Termites are not considered a covered peril by most companies.  Homeowners is not designed to cover general maintenance.   Termites fall under that category.  If a structure collapses then damage to the personal property may be covered and possibly the structure.]]></content:encoded>
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		<title>Answer on What Is The Difference Between Homeowners Insurance And Home Warranty? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/what-is-the-difference-between-homeowners-insurance-and-home-warranty#answer_4452</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 21 May 2013 11:03:22 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/what-is-the-difference-between-homeowners-insurance-and-home-warranty#answer_4452</guid>
		<description><![CDATA[Homeowners insurance is designed to cover your home and possessions if they are damaged in a covered loss or stolen.  It also protects you in a lawsuit.    It is totally different than a home warranty.  A home warranty just covers you for undisclosed problems when you purchase a home.  It does not cover your belongings, structure damage caused by fire, wind or other perils, liability, or theft.]]></description>
		<content:encoded><![CDATA[Homeowners insurance is designed to cover your home and possessions if they are damaged in a covered loss or stolen.  It also protects you in a lawsuit.    It is totally different than a home warranty.  A home warranty just covers you for undisclosed problems when you purchase a home.  It does not cover your belongings, structure damage caused by fire, wind or other perils, liability, or theft.]]></content:encoded>
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		<title>Answer on Can My Girlfriend Be On My Car Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/can-my-girlfriend-be-on-my-car-insurance#answer_4451</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 21 May 2013 10:58:36 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/can-my-girlfriend-be-on-my-car-insurance#answer_4451</guid>
		<description><![CDATA[If she drives your car on a regular basis or lives with you then you should consider adding her as a driver.  Just remember however that her driving record can affect your insurance rates if you do so.  If for any reason her driving record is badly blemished then I suggest having her obtain her own policy.]]></description>
		<content:encoded><![CDATA[If she drives your car on a regular basis or lives with you then you should consider adding her as a driver.  Just remember however that her driving record can affect your insurance rates if you do so.  If for any reason her driving record is badly blemished then I suggest having her obtain her own policy.]]></content:encoded>
	</item>
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		<title>Answer on Does Renters Insurance Cover Garage Items? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/renters-insurance/does-renters-insurance-cover-garage-items#answer_4450</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 21 May 2013 10:55:44 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/renters-insurance/does-renters-insurance-cover-garage-items#answer_4450</guid>
		<description><![CDATA[Renters insurance covers any property that you own.  If the items are in your garage then they would be covered for any peril covered under your policy.  Do not store valuable items in your garage.  It is usually much easier to break into a garage than a home.]]></description>
		<content:encoded><![CDATA[Renters insurance covers any property that you own.  If the items are in your garage then they would be covered for any peril covered under your policy.  Do not store valuable items in your garage.  It is usually much easier to break into a garage than a home.]]></content:encoded>
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		<title>Answer on Is A Furnace Covered Under Homeowners Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/is-a-furnace-covered-under-homeowners-insurance#answer_4446</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 21 May 2013 10:36:28 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/is-a-furnace-covered-under-homeowners-insurance#answer_4446</guid>
		<description><![CDATA[Unless the furnace is damaged by a covered peril such as a fire, then the answer is no.  Home Insurance is not a maintenance policy and is not designed to cover a breakdown due to age and general repair.  Furnaces need replaced occasionally just like your car.]]></description>
		<content:encoded><![CDATA[Unless the furnace is damaged by a covered peril such as a fire, then the answer is no.  Home Insurance is not a maintenance policy and is not designed to cover a breakdown due to age and general repair.  Furnaces need replaced occasionally just like your car.]]></content:encoded>
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		<title>Answer on Will People Be Penalized For Not Having Health Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/will-people-be-penalized-for-not-having-health-insurance#answer_4441</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 21 May 2013 10:07:28 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/will-people-be-penalized-for-not-having-health-insurance#answer_4441</guid>
		<description><![CDATA[The penalty will be passed through your income taxes.  When you file your taxes the penalty will be added to the amount you owe or deducted from your refund.  Unless you do not file taxes you will be unable to avoid the penalty unless the law gets changed.]]></description>
		<content:encoded><![CDATA[The penalty will be passed through your income taxes.  When you file your taxes the penalty will be added to the amount you owe or deducted from your refund.  Unless you do not file taxes you will be unable to avoid the penalty unless the law gets changed.]]></content:encoded>
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		<title>Answer on Can I Switch From Original Medicare To Medicare Advantage? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/can-i-switch-from-original-medicare-to-medicare-advantage#answer_4440</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 21 May 2013 10:03:36 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/can-i-switch-from-original-medicare-to-medicare-advantage#answer_4440</guid>
		<description><![CDATA[If you are new to Medicare you can enroll in a Medicare Advantage Plan three months before- the month of- or 3 months after you turn 65 or qualify for Medicare.  Otherwise you can only switch during the annual Open Enrollment Period from October 7th thru December 15th.  If you have both Medicaid and Medicare or you are getting Extra Help thru Low Income Subsidy you can switch any time.]]></description>
		<content:encoded><![CDATA[If you are new to Medicare you can enroll in a Medicare Advantage Plan three months before- the month of- or 3 months after you turn 65 or qualify for Medicare.  Otherwise you can only switch during the annual Open Enrollment Period from October 7th thru December 15th.  If you have both Medicaid and Medicare or you are getting Extra Help thru Low Income Subsidy you can switch any time.]]></content:encoded>
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		<title>Answer on How Expensive Is Disability Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/disability-insurance/how-expensive-is-disability-insurance#answer_4326</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 20 May 2013 11:46:58 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/disability-insurance/how-expensive-is-disability-insurance#answer_4326</guid>
		<description><![CDATA[It depends on a lot of factors.  Age, benefit request, elimination period, type of employment, the area you live in, your health, and the company you choose.  Check with a good independent agent familiar with disability insurance.  A good agent will be able to find you a plan that best meets your needs.]]></description>
		<content:encoded><![CDATA[It depends on a lot of factors.  Age, benefit request, elimination period, type of employment, the area you live in, your health, and the company you choose.  Check with a good independent agent familiar with disability insurance.  A good agent will be able to find you a plan that best meets your needs.]]></content:encoded>
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		<title>Answer on Will My Insurance Cover Me Driving Another Car? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/will-my-insurance-cover-me-driving-another-car#answer_4313</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 20 May 2013 11:32:26 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/will-my-insurance-cover-me-driving-another-car#answer_4313</guid>
		<description><![CDATA[Yes, in most cases.  Insurance follows the driver.  It is always good to check with your agent however, since state laws may vary and the type of policy you have may have limitations.  In most cases however you will be covered if you are driving someones car.]]></description>
		<content:encoded><![CDATA[Yes, in most cases.  Insurance follows the driver.  It is always good to check with your agent however, since state laws may vary and the type of policy you have may have limitations.  In most cases however you will be covered if you are driving someones car.]]></content:encoded>
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		<title>Answer on When Would A Person Not Need Much Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/when-would-a-person-not-need-much-life-insurance#answer_4310</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 20 May 2013 11:29:12 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/when-would-a-person-not-need-much-life-insurance#answer_4310</guid>
		<description><![CDATA[As a person ages in many cases his need for insurance decreases, unless he has a large estate or business interests that need protected.  Each case is different as far as the amount of coverage needed.  You should at least have enough to cover final expenses and debts.]]></description>
		<content:encoded><![CDATA[As a person ages in many cases his need for insurance decreases, unless he has a large estate or business interests that need protected.  Each case is different as far as the amount of coverage needed.  You should at least have enough to cover final expenses and debts.]]></content:encoded>
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		<title>Answer on When Is Private Health Insurance Worth It? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/when-is-private-health-insurance-worth-it#answer_4308</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 20 May 2013 11:25:16 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/when-is-private-health-insurance-worth-it#answer_4308</guid>
		<description><![CDATA[When you use it!  When you are paying premiums and do not use your insurance it is hard to see the value.  However, the first time you end up in the Hospital with a $300,000 hospital bill you realize that it is not such a bad deal.  If you are healthy, my recommendation is an HSA qualified plan.  You save money and are covered for those catastrophic events.]]></description>
		<content:encoded><![CDATA[When you use it!  When you are paying premiums and do not use your insurance it is hard to see the value.  However, the first time you end up in the Hospital with a $300,000 hospital bill you realize that it is not such a bad deal.  If you are healthy, my recommendation is an HSA qualified plan.  You save money and are covered for those catastrophic events.]]></content:encoded>
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		<title>Answer on When Will Medicare Pay For A Wheelchair? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/when-will-medicare-pay-for-a-wheelchair#answer_4299</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 20 May 2013 11:12:18 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/when-will-medicare-pay-for-a-wheelchair#answer_4299</guid>
		<description><![CDATA[It has to Medically necessary and prescribed by your doctor.  Medicare will approve or disapprove the use of mobility devices based on the ability of the beneficiary.  From what I have seen, it depends on the person who looks at the claim whether it is approved or not.]]></description>
		<content:encoded><![CDATA[It has to Medically necessary and prescribed by your doctor.  Medicare will approve or disapprove the use of mobility devices based on the ability of the beneficiary.  From what I have seen, it depends on the person who looks at the claim whether it is approved or not.]]></content:encoded>
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		<title>Answer on Will Doctors Stop Seeing Medicare Patients? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/will-doctors-stop-seeing-medicare-patients#answer_4297</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 20 May 2013 11:08:37 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/will-doctors-stop-seeing-medicare-patients#answer_4297</guid>
		<description><![CDATA[While there may be some doctors opting out of the Medicare system, I do not see this as a major concern.  Too many doctors have a large percentage of there revenue come from Medicare patients.  The concern among doctors is the cuts that Medicare has made, but I do not see a mass exodus from the system.]]></description>
		<content:encoded><![CDATA[While there may be some doctors opting out of the Medicare system, I do not see this as a major concern.  Too many doctors have a large percentage of there revenue come from Medicare patients.  The concern among doctors is the cuts that Medicare has made, but I do not see a mass exodus from the system.]]></content:encoded>
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		<title>Answer on When Does Medicare Pay For Home Health Care? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/when-does-medicare-pay-for-home-health-care#answer_4295</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 20 May 2013 11:03:59 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/when-does-medicare-pay-for-home-health-care#answer_4295</guid>
		<description><![CDATA[Medicare offers very limited skilled nursing benefits for care after discharge from a hospital. Medicare does not cover any custodial or intermediate care at home, or care in a long term care facility.   To qualify for Medicare Benefits you must have been admitted to the hospital at least three days not counting date of discharge, and need skilled care related to the reason you were admitted to the hospital.  Medicare will not cover more than 100 days in a facility and will only provide limited benefits at home.]]></description>
		<content:encoded><![CDATA[Medicare offers very limited skilled nursing benefits for care after discharge from a hospital. Medicare does not cover any custodial or intermediate care at home, or care in a long term care facility.   To qualify for Medicare Benefits you must have been admitted to the hospital at least three days not counting date of discharge, and need skilled care related to the reason you were admitted to the hospital.  Medicare will not cover more than 100 days in a facility and will only provide limited benefits at home.]]></content:encoded>
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		<title>Answer on What Does Medicare Pay For With Hospice? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/what-does-medicare-pay-for-with-hospice#answer_4294</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 20 May 2013 10:55:56 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/what-does-medicare-pay-for-with-hospice#answer_4294</guid>
		<description><![CDATA[Yes, Hospice Care is covered by Medicare.  Medicare will pay for the services of a Hospice agency to mange the care of the loved one in need.  Depending on the agency, services can vary.  Usually the care is provided in the home, but it can be offered if the person is on Medicaid and in a Nursing Home.  With Hospice, no life saving measures will be taken, the patient is kept comfortable and pain is managed.]]></description>
		<content:encoded><![CDATA[Yes, Hospice Care is covered by Medicare.  Medicare will pay for the services of a Hospice agency to mange the care of the loved one in need.  Depending on the agency, services can vary.  Usually the care is provided in the home, but it can be offered if the person is on Medicaid and in a Nursing Home.  With Hospice, no life saving measures will be taken, the patient is kept comfortable and pain is managed.]]></content:encoded>
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		<title>Answer on What Is The Difference Between Workers Comp And Disability Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/disability-insurance/what-is-the-difference-between-workers-comp-and-disability-insurance#answer_4293</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 20 May 2013 10:51:33 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/disability-insurance/what-is-the-difference-between-workers-comp-and-disability-insurance#answer_4293</guid>
		<description><![CDATA[Workers Comp is disability insurance provided by your employer if you are injured on the job.  Disability insurance covers you for disability on or off the job depending on the policy.  Unless it is tied to your group plan you own your Disability Insurance and you take it with you.  Example:  Workers Comp would pay if you fell off of a ladder at work and broke your leg.  It would not pay if you fell off a ladder at home and broke your leg.  A disability policy would.]]></description>
		<content:encoded><![CDATA[Workers Comp is disability insurance provided by your employer if you are injured on the job.  Disability insurance covers you for disability on or off the job depending on the policy.  Unless it is tied to your group plan you own your Disability Insurance and you take it with you.  Example:  Workers Comp would pay if you fell off of a ladder at work and broke your leg.  It would not pay if you fell off a ladder at home and broke your leg.  A disability policy would.]]></content:encoded>
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		<title>Answer on What Is Double Indemnity Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-is-double-indemnity-life-insurance#answer_4292</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 20 May 2013 10:44:53 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-is-double-indemnity-life-insurance#answer_4292</guid>
		<description><![CDATA[Double Indemnity usually means that if a person dies by accidental means then the plan pays double the face amount of the policy.  It is essentially an accidental death rider attached to your policy.  These used to be very popular but I don&#039;t see them as much any more.]]></description>
		<content:encoded><![CDATA[Double Indemnity usually means that if a person dies by accidental means then the plan pays double the face amount of the policy.  It is essentially an accidental death rider attached to your policy.  These used to be very popular but I don't see them as much any more.]]></content:encoded>
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		<title>Answer on What Does Medicare Part D Cost With Medicare? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/what-does-medicare-part-d-cost-with-medicare#answer_4291</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 20 May 2013 10:41:24 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/what-does-medicare-part-d-cost-with-medicare#answer_4291</guid>
		<description><![CDATA[Part D is prescription drug coverage offered through private health insurance under the oversight of Medicare.  Each plan has a different premium, the average being around $35. Do not select a Prescription plan solely on price.  Each plan has a formulary.  Depending on the drugs you are on a plan may or may not be right for you.  One expensive drug not covered in a formulary will wipe out any savings on premium.  Make sure your drugs are covered by the plan.]]></description>
		<content:encoded><![CDATA[Part D is prescription drug coverage offered through private health insurance under the oversight of Medicare.  Each plan has a different premium, the average being around $35. Do not select a Prescription plan solely on price.  Each plan has a formulary.  Depending on the drugs you are on a plan may or may not be right for you.  One expensive drug not covered in a formulary will wipe out any savings on premium.  Make sure your drugs are covered by the plan.]]></content:encoded>
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		<title>Answer on Does Health Insurance Coverage End After Leaving Job? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/does-health-insurance-coverage-end-after-leaving-job#answer_4290</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 20 May 2013 10:36:10 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/does-health-insurance-coverage-end-after-leaving-job#answer_4290</guid>
		<description><![CDATA[Yes, once you leave employment you will lose your health insurance.  You will be given a certificate of creditable coverage and you will be offered COBRA.  This gives you the option to continue to pay for your health insurance coverage for a period of time.  With the Affordable Care Act this may change.]]></description>
		<content:encoded><![CDATA[Yes, once you leave employment you will lose your health insurance.  You will be given a certificate of creditable coverage and you will be offered COBRA.  This gives you the option to continue to pay for your health insurance coverage for a period of time.  With the Affordable Care Act this may change.]]></content:encoded>
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		<title>Answer on How Does Critical Illness Insurance Work? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/critical-illness-insurance/how-does-critical-illness-insurance-work#answer_3952</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 16 May 2013 12:00:04 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/critical-illness-insurance/how-does-critical-illness-insurance-work#answer_3952</guid>
		<description><![CDATA[Critical Illness insurance pays if you come come down with certain diseases.  Cancer, Heart Attack, or Stroke are most common.  It depends on the policy on the amount paid out if there is a claim.  Some pay a lump sum, some provide the benefits on an indemnity basis, paying a certain amount for various procedures.]]></description>
		<content:encoded><![CDATA[Critical Illness insurance pays if you come come down with certain diseases.  Cancer, Heart Attack, or Stroke are most common.  It depends on the policy on the amount paid out if there is a claim.  Some pay a lump sum, some provide the benefits on an indemnity basis, paying a certain amount for various procedures.]]></content:encoded>
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		<title>Answer on Which Is Cheaper Term Or Whole Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/which-is-cheaper-term-or-whole-life-insurance#answer_3949</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 16 May 2013 11:55:16 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/which-is-cheaper-term-or-whole-life-insurance#answer_3949</guid>
		<description><![CDATA[In the initial years term is cheaper.  However if you need the insurance for long term needs term insurance gets unaffordable in later years because the premium will increase with each term.  Some policies cannot be renewed after a certain age.  Whole life premiums are more per month, however the premium never increases and the cash value build up can make the total net premium far less less than term in the long run when you subtract the cash value from the total premiums paid.  Which is better?  It depends on the reason for the policy.]]></description>
		<content:encoded><![CDATA[In the initial years term is cheaper.  However if you need the insurance for long term needs term insurance gets unaffordable in later years because the premium will increase with each term.  Some policies cannot be renewed after a certain age.  Whole life premiums are more per month, however the premium never increases and the cash value build up can make the total net premium far less less than term in the long run when you subtract the cash value from the total premiums paid.  Which is better?  It depends on the reason for the policy.]]></content:encoded>
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		<title>Answer on What Does Renters Insurance Provide? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/renters-insurance/what-does-renters-insurance-provide#answer_3944</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 16 May 2013 11:42:30 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/renters-insurance/what-does-renters-insurance-provide#answer_3944</guid>
		<description><![CDATA[Renters Insurance covers your personal property for perils such as Fire, Lightening, Vandalism, Theft, Wind, and some other named perils subject to a deductible.  It will also cover you for liability if you are sued because someone is injured in or around your apartment or house and the cause was your fault.]]></description>
		<content:encoded><![CDATA[Renters Insurance covers your personal property for perils such as Fire, Lightening, Vandalism, Theft, Wind, and some other named perils subject to a deductible.  It will also cover you for liability if you are sued because someone is injured in or around your apartment or house and the cause was your fault.]]></content:encoded>
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		<title>Answer on Does Getting A Car Insurance Quote Affect Your Credit? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/does-getting-a-car-insurance-quote-affect-your-credit#answer_3710</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 14 May 2013 11:16:53 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/does-getting-a-car-insurance-quote-affect-your-credit#answer_3710</guid>
		<description><![CDATA[Generally not.  While many companies now run credit checks it usually is not really going to affect your credit score a great deal.  It will show up as an inquiry.  Insurance companies utilize what is called an insurance credit score.  This is a little different than your regular credit score.  Your credit history is just a part of your total insurance score.]]></description>
		<content:encoded><![CDATA[Generally not.  While many companies now run credit checks it usually is not really going to affect your credit score a great deal.  It will show up as an inquiry.  Insurance companies utilize what is called an insurance credit score.  This is a little different than your regular credit score.  Your credit history is just a part of your total insurance score.]]></content:encoded>
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		<title>Answer on What Is Medicare Blue PPO? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/what-is-medicare-blue-ppo#answer_3706</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 14 May 2013 11:07:35 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/what-is-medicare-blue-ppo#answer_3706</guid>
		<description><![CDATA[Medicare Blue PPO is a Prefered Provider Health Insurance or Medicare Advantage Plan offered by one of the Blue Cross/ Blue Shield family of companies.  With a PPO you can go to any doctor who accepts Medicare but you pay lower copay&#039;s if you stay in the network.  Many companies offer PPO&#039;s.]]></description>
		<content:encoded><![CDATA[Medicare Blue PPO is a Prefered Provider Health Insurance or Medicare Advantage Plan offered by one of the Blue Cross/ Blue Shield family of companies.  With a PPO you can go to any doctor who accepts Medicare but you pay lower copay's if you stay in the network.  Many companies offer PPO's.]]></content:encoded>
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		<title>Answer on Does My Auto Insurance Cover Moving Van? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/does-my-auto-insurance-cover-moving-van#answer_3705</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 14 May 2013 11:01:45 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/does-my-auto-insurance-cover-moving-van#answer_3705</guid>
		<description><![CDATA[Auto insurance covers the driver first, the vehicle second so yes, you would be covered if your rent a van and are in an at fault accident.  The company renting the van will carry coverage on the van itself and you may be responsible if you do any damage to the van as specified in the contract you sign.]]></description>
		<content:encoded><![CDATA[Auto insurance covers the driver first, the vehicle second so yes, you would be covered if your rent a van and are in an at fault accident.  The company renting the van will carry coverage on the van itself and you may be responsible if you do any damage to the van as specified in the contract you sign.]]></content:encoded>
	</item>
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		<title>Answer on Does Renters Insurance Cover My Bike? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/renters-insurance/does-renters-insurance-cover-my-bike#answer_3704</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 14 May 2013 10:57:34 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/renters-insurance/does-renters-insurance-cover-my-bike#answer_3704</guid>
		<description><![CDATA[If the bike is stolen or damaged by a peril covered by your renters insurance the answer would be yes.  It is considered your property and would therefore be covered.  Renters insurance covers any of your personal property.  Check with your agent to review the exact terms of your renters policy.]]></description>
		<content:encoded><![CDATA[If the bike is stolen or damaged by a peril covered by your renters insurance the answer would be yes.  It is considered your property and would therefore be covered.  Renters insurance covers any of your personal property.  Check with your agent to review the exact terms of your renters policy.]]></content:encoded>
	</item>
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		<title>Answer on Does Life Insurance Cover Cancer? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/does-life-insurance-cover-cancer#answer_3701</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 14 May 2013 10:45:52 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/does-life-insurance-cover-cancer#answer_3701</guid>
		<description><![CDATA[Some life insurance policies have critical illness riders or an accelerated death benefit rider.  If your policy has either of those then you may be able to access a portion of the death benefit while you are still alive.  Have a good local agent check over your policies with you to determine if either of those are available.]]></description>
		<content:encoded><![CDATA[Some life insurance policies have critical illness riders or an accelerated death benefit rider.  If your policy has either of those then you may be able to access a portion of the death benefit while you are still alive.  Have a good local agent check over your policies with you to determine if either of those are available.]]></content:encoded>
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		<title>Answer on Does Medicare Advantage Replace Original Medicare? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/does-medicare-advantage-replace-original-medicare#answer_3699</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 14 May 2013 10:27:21 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/does-medicare-advantage-replace-original-medicare#answer_3699</guid>
		<description><![CDATA[When you take out a Medicare Advantage Plan you do not lose your rights and protections under Medicare.  You are still in the Medicare system.  The difference is that instead of Medicare acting as the insurer and paying the claims, that responsibility has been given to the private insurance company.  Medicare pays the insurance company for each individual they enroll to manage the claims.   So from the standpoint of replacing Medicare, as far as claim processing and administration the answer would be yes.]]></description>
		<content:encoded><![CDATA[When you take out a Medicare Advantage Plan you do not lose your rights and protections under Medicare.  You are still in the Medicare system.  The difference is that instead of Medicare acting as the insurer and paying the claims, that responsibility has been given to the private insurance company.  Medicare pays the insurance company for each individual they enroll to manage the claims.   So from the standpoint of replacing Medicare, as far as claim processing and administration the answer would be yes.]]></content:encoded>
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		<title>Answer on Who Can Take Out A Life Insurance Policy On Someone Else? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/who-can-take-out-a-life-insurance-policy-on-someone-else#answer_3698</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 14 May 2013 10:20:06 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/who-can-take-out-a-life-insurance-policy-on-someone-else#answer_3698</guid>
		<description><![CDATA[To take out a life insurance policy on another individual you must have insurable interest.  This means that you may face a financial loss upon the death of an individual.  You must also have the consent and knowledge of that individual or parent of that individual.  Common examples would be an adult child taking a policy out on their parents, an employer taking a policy on a key employee, a family member such as brother or sister taking a policy out on a sibling, a grandparent taking a policy on a grand child or some companies will even allow same-sex couples to take policies out on each other as long as insurable interest can be shown.]]></description>
		<content:encoded><![CDATA[To take out a life insurance policy on another individual you must have insurable interest.  This means that you may face a financial loss upon the death of an individual.  You must also have the consent and knowledge of that individual or parent of that individual.  Common examples would be an adult child taking a policy out on their parents, an employer taking a policy on a key employee, a family member such as brother or sister taking a policy out on a sibling, a grandparent taking a policy on a grand child or some companies will even allow same-sex couples to take policies out on each other as long as insurable interest can be shown.]]></content:encoded>
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		<title>Answer on Can I Draw Money From My Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/can-i-draw-money-from-my-life-insurance#answer_3662</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 13 May 2013 21:14:31 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/can-i-draw-money-from-my-life-insurance#answer_3662</guid>
		<description><![CDATA[To give you a simple answer, yes, you can do this in a form of a policy loan if you own a Whole Life policy.  You will be charged interest, so it a good idea to at least to pay the interest.  You will not have a set payment schedule and failure to pay will not mess up your credit rating.  The amount of the loan plus interest will be deducted from the death benefit when you die.]]></description>
		<content:encoded><![CDATA[To give you a simple answer, yes, you can do this in a form of a policy loan if you own a Whole Life policy.  You will be charged interest, so it a good idea to at least to pay the interest.  You will not have a set payment schedule and failure to pay will not mess up your credit rating.  The amount of the loan plus interest will be deducted from the death benefit when you die.]]></content:encoded>
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		<title>Answer on Is Banner Life Insurance A Good Company? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/is-banner-life-insurance-a-good-company#answer_3661</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 13 May 2013 21:08:35 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/is-banner-life-insurance-a-good-company#answer_3661</guid>
		<description><![CDATA[Banner Life is a very good company.&#160; I have had a contract with them and know them to be very competitive and very financially sound.&#160;  Check the AM Best Ratings of any company you look at.  They should have at least an A rating.  There are many good companies out there.&#160; If you like the Banner Life plans then you shouldn&#039;t lose any sleep if you go with it.]]></description>
		<content:encoded><![CDATA[Banner Life is a very good company.&nbsp; I have had a contract with them and know them to be very competitive and very financially sound.&nbsp;  Check the AM Best Ratings of any company you look at.  They should have at least an A rating.  There are many good companies out there.&nbsp; If you like the Banner Life plans then you shouldn't lose any sleep if you go with it.]]></content:encoded>
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		<title>Answer on Does Renters Insurance Cover My Garage? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/renters-insurance/does-renters-insurance-cover-my-garage#answer_3647</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 13 May 2013 18:46:08 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/renters-insurance/does-renters-insurance-cover-my-garage#answer_3647</guid>
		<description><![CDATA[Renters insurance covers your belongings whether they are in your garage or in your apartment or wherever they are as long as the loss is covered under the policy subject to your deductible.  It has to be a covered peil such as fire, theft, vandalism, lightening, wind or other perils specified in your policy.]]></description>
		<content:encoded><![CDATA[Renters insurance covers your belongings whether they are in your garage or in your apartment or wherever they are as long as the loss is covered under the policy subject to your deductible.  It has to be a covered peil such as fire, theft, vandalism, lightening, wind or other perils specified in your policy.]]></content:encoded>
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		<title>Answer on Does Renters Insurance Cover A Fire? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/renters-insurance/does-renters-insurance-cover-a-fire#answer_3645</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 13 May 2013 18:37:01 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/renters-insurance/does-renters-insurance-cover-a-fire#answer_3645</guid>
		<description><![CDATA[Yes, it covers your personal belongings up to the limit in the policy subject to the deductible.  Renters Insurance is designed to cover things like fire, lightening, vandalism, wind, and also provide protection from lawsuit.  Check with your agent to determine the details of your policy.  If you are shopping make sure it covers the full replacement of your belongings without depreciation.]]></description>
		<content:encoded><![CDATA[Yes, it covers your personal belongings up to the limit in the policy subject to the deductible.  Renters Insurance is designed to cover things like fire, lightening, vandalism, wind, and also provide protection from lawsuit.  Check with your agent to determine the details of your policy.  If you are shopping make sure it covers the full replacement of your belongings without depreciation.]]></content:encoded>
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		<title>Answer on Does Long Term Care Insurance Pay For Assisted Living? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/long-term-care-insurance/does-long-term-care-insurance-pay-for-assisted-living#answer_3581</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 13 May 2013 12:07:03 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/long-term-care-insurance/does-long-term-care-insurance-pay-for-assisted-living#answer_3581</guid>
		<description><![CDATA[It depends on the policy.  Many will pay for assisted living depending.  Most long term care policies are activated by what they call &quot;triggers&quot;.  You must be, in most cases, unable to preform at least two activities of daily living or be cognitively impaired.  An activity of daily living may be dressing, toileting, bathing, eating, mobility that type of things.  Cognitively impaired would be things like alzheimer&#039;s or diagnosed dementia.]]></description>
		<content:encoded><![CDATA[It depends on the policy.  Many will pay for assisted living depending.  Most long term care policies are activated by what they call "triggers".  You must be, in most cases, unable to preform at least two activities of daily living or be cognitively impaired.  An activity of daily living may be dressing, toileting, bathing, eating, mobility that type of things.  Cognitively impaired would be things like alzheimer's or diagnosed dementia.]]></content:encoded>
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		<title>Answer on Does Auto Insurance Cover Bicycle Accidents? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/does-auto-insurance-cover-bicycle-accidents#answer_3577</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 13 May 2013 11:51:58 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/does-auto-insurance-cover-bicycle-accidents#answer_3577</guid>
		<description><![CDATA[If you mean your car having an accident with a bicycle then yes.  Your auto insurance liability would cover any at fault accident, whether it is a car, bike or other structure.  You collision would pay for your vehicle if damaged by a bicycle that hits you.]]></description>
		<content:encoded><![CDATA[If you mean your car having an accident with a bicycle then yes.  Your auto insurance liability would cover any at fault accident, whether it is a car, bike or other structure.  You collision would pay for your vehicle if damaged by a bicycle that hits you.]]></content:encoded>
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		<title>Answer on Does Home Owners Insurance Cover Foundation Problems? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/does-home-owners-insurance-cover-foundation-problems#answer_3575</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 13 May 2013 11:47:55 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/does-home-owners-insurance-cover-foundation-problems#answer_3575</guid>
		<description><![CDATA[In most cases no.  If your policy includes earthquake and the damage is a result of the earthquake then there may be coverage,  Homeowners insurance covers things like fire, lightening, hail wind, and other covered perils.  They are not designed to cover normal deterioration and settling.  Check with your agent to see what your policy covers.]]></description>
		<content:encoded><![CDATA[In most cases no.  If your policy includes earthquake and the damage is a result of the earthquake then there may be coverage,  Homeowners insurance covers things like fire, lightening, hail wind, and other covered perils.  They are not designed to cover normal deterioration and settling.  Check with your agent to see what your policy covers.]]></content:encoded>
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		<title>Answer on Can Old People Buy Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/can-old-people-buy-life-insurance#answer_3568</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 13 May 2013 11:36:48 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/can-old-people-buy-life-insurance#answer_3568</guid>
		<description><![CDATA[Yes, people who are between 50 and 85 can buy life insurance.  There are many good affordable Final Expense plans available with limited or even no health questions.  A good independent agent who specializes in the needs of seniors can help you find an affordable plan that meets your needs.]]></description>
		<content:encoded><![CDATA[Yes, people who are between 50 and 85 can buy life insurance.  There are many good affordable Final Expense plans available with limited or even no health questions.  A good independent agent who specializes in the needs of seniors can help you find an affordable plan that meets your needs.]]></content:encoded>
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		<title>Answer on How To Purchase A Medigap Policy? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/how-to-purchase-a-medigap-policy#answer_3567</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 13 May 2013 11:31:00 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/how-to-purchase-a-medigap-policy#answer_3567</guid>
		<description><![CDATA[You can purchase a Medigap policy on line, direct from the company, or through an agent.  The premium will be the same no matter which you choose.  I recommend using an experienced agent familiar with all of the plans available in your area.  When choosing a plan do not just go by rates alone.  While the coverage is the same because plans have been standardized, some companies have a history of going into a state with very low rates and then within two years raise the raise 30 -60%.  If you don&#039;t mind changing plans every year and your health remains good then you might save a little money initially, but in the long run it could cost you money.  Find a competitive plan that has a history of stable rates.  A good agent can help you with that.]]></description>
		<content:encoded><![CDATA[You can purchase a Medigap policy on line, direct from the company, or through an agent.  The premium will be the same no matter which you choose.  I recommend using an experienced agent familiar with all of the plans available in your area.  When choosing a plan do not just go by rates alone.  While the coverage is the same because plans have been standardized, some companies have a history of going into a state with very low rates and then within two years raise the raise 30 -60%.  If you don't mind changing plans every year and your health remains good then you might save a little money initially, but in the long run it could cost you money.  Find a competitive plan that has a history of stable rates.  A good agent can help you with that.]]></content:encoded>
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		<title>Answer on What Is Better Term Or Permanent Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-is-better-term-or-permanent-life-insurance#answer_3484</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 12 May 2013 12:39:28 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-is-better-term-or-permanent-life-insurance#answer_3484</guid>
		<description><![CDATA[It depends on the reason for the insurance.  A permanent need should be covered if at all possible by a permanent policy.  Final Expenses is an example.  Temporary needs can be addressed with term insurance.  Mortgage, or debts would be an example.  A good experienced agent can help you put together a plan that is right for you.]]></description>
		<content:encoded><![CDATA[It depends on the reason for the insurance.  A permanent need should be covered if at all possible by a permanent policy.  Final Expenses is an example.  Temporary needs can be addressed with term insurance.  Mortgage, or debts would be an example.  A good experienced agent can help you put together a plan that is right for you.]]></content:encoded>
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		<title>Answer on Who Should Be Beneficiary On Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/who-should-be-beneficiary-on-life-insurance#answer_3483</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 12 May 2013 12:26:05 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/who-should-be-beneficiary-on-life-insurance#answer_3483</guid>
		<description><![CDATA[It depends on the reason for the policy.  Most people will select a spouse, parent or other family member.   If the policy is for final expenses you can name the person who will be handling those affairs or even the funeral home.  I do not recommend naming a child as beneficiary unless the money is earmarked for the child after he or she turns 18.  Money left to the child will be held in trust until the child is of legal age.]]></description>
		<content:encoded><![CDATA[It depends on the reason for the policy.  Most people will select a spouse, parent or other family member.   If the policy is for final expenses you can name the person who will be handling those affairs or even the funeral home.  I do not recommend naming a child as beneficiary unless the money is earmarked for the child after he or she turns 18.  Money left to the child will be held in trust until the child is of legal age.]]></content:encoded>
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		<title>Answer on What Is Required By Law For Auto Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/what-is-required-by-law-for-auto-insurance#answer_3482</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 12 May 2013 12:21:24 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/what-is-required-by-law-for-auto-insurance#answer_3482</guid>
		<description><![CDATA[It depends on the state you live in.  The state of Ohio requires a minimum of $12,500 per person/ $25000 per occurrence on the liability limits as state minimum coverage.  You may also have a financial responsibility bond which takes the place of auto insurance.  If you do not have the state minimum insurance you can lose your license.]]></description>
		<content:encoded><![CDATA[It depends on the state you live in.  The state of Ohio requires a minimum of $12,500 per person/ $25000 per occurrence on the liability limits as state minimum coverage.  You may also have a financial responsibility bond which takes the place of auto insurance.  If you do not have the state minimum insurance you can lose your license.]]></content:encoded>
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		<title>Answer on Which Is Better Medigap Or Advantage? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/which-is-better-medigap-or-advantage#answer_3480</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 12 May 2013 12:13:24 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/which-is-better-medigap-or-advantage#answer_3480</guid>
		<description><![CDATA[If you can afford the premiums I recommend the Medigap ( Medicare Supplement).  With a Medicare Supplement you can go to any doctor who accepts Medicare, most plans do not have a network.  You have much less out of pocket exposure depending on the plan you choose.  Plan F is the most comprehensive.]]></description>
		<content:encoded><![CDATA[If you can afford the premiums I recommend the Medigap ( Medicare Supplement).  With a Medicare Supplement you can go to any doctor who accepts Medicare, most plans do not have a network.  You have much less out of pocket exposure depending on the plan you choose.  Plan F is the most comprehensive.]]></content:encoded>
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		<title>Answer on Will Life Insurance Test For Drugs? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/will-life-insurance-test-for-drugs#answer_3479</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 12 May 2013 12:09:48 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/will-life-insurance-test-for-drugs#answer_3479</guid>
		<description><![CDATA[If the policy you are applying for requires a physical with blood, and urine then yes.  Some smaller policies do not require a physical, however there is a question on the application regarding illegal drug use.  If you answer no to that question and it is found that you lied o the application your policy can be rescinded and premiums returned.]]></description>
		<content:encoded><![CDATA[If the policy you are applying for requires a physical with blood, and urine then yes.  Some smaller policies do not require a physical, however there is a question on the application regarding illegal drug use.  If you answer no to that question and it is found that you lied o the application your policy can be rescinded and premiums returned.]]></content:encoded>
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		<title>Answer on Can I Add A Non Family Member To My Auto Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/can-i-add-a-non-family-member-to-my-auto-insurance#answer_3478</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 12 May 2013 12:06:02 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/can-i-add-a-non-family-member-to-my-auto-insurance#answer_3478</guid>
		<description><![CDATA[Yes if they drive your car on a regular basis you can add them as a named driver.  Keep in mind that their driving record could affect your rates.  If they have a bad driving record I recommend having them purchase their own policy.  If they only drive your car occasionally they would be covered.]]></description>
		<content:encoded><![CDATA[Yes if they drive your car on a regular basis you can add them as a named driver.  Keep in mind that their driving record could affect your rates.  If they have a bad driving record I recommend having them purchase their own policy.  If they only drive your car occasionally they would be covered.]]></content:encoded>
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		<title>Answer on What Is Involved In A Life Insurance Physical? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-is-involved-in-a-life-insurance-physical#answer_3477</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 12 May 2013 12:02:10 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-is-involved-in-a-life-insurance-physical#answer_3477</guid>
		<description><![CDATA[It depends on the size of the policy.  On average it would be a paramedical exam, blood pressure, height weight,health questions, and blood, urine or saliva depending on the company.  A larger policy may require a full doctors physical with a stress test and the blood and urine.]]></description>
		<content:encoded><![CDATA[It depends on the size of the policy.  On average it would be a paramedical exam, blood pressure, height weight,health questions, and blood, urine or saliva depending on the company.  A larger policy may require a full doctors physical with a stress test and the blood and urine.]]></content:encoded>
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		<title>Answer on Is Car Insurance Automatically Renewed? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/is-car-insurance-automatically-renewed#answer_3476</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 12 May 2013 11:56:35 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/is-car-insurance-automatically-renewed#answer_3476</guid>
		<description><![CDATA[No, you renew it by paying the premium.&#160; The company does not have to renew your policy.&#160; If your claims history or driving record no longer meets their criteria you can be canceled, have your rates increased or be placed in the companies high risk plan if they have one.]]></description>
		<content:encoded><![CDATA[No, you renew it by paying the premium.&nbsp; The company does not have to renew your policy.&nbsp; If your claims history or driving record no longer meets their criteria you can be canceled, have your rates increased or be placed in the companies high risk plan if they have one.]]></content:encoded>
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		<title>Answer on Does Medicare Cover Assisted Living Homes? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/does-medicare-cover-assisted-living-homes#answer_3396</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 11 May 2013 10:41:39 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/does-medicare-cover-assisted-living-homes#answer_3396</guid>
		<description><![CDATA[No, Medicare was never intended to be used for long term care.  Medicare has very limited benefits when it comes to nursing home care and no benefits for assisted living.  If you need help with assisted living and are being told by Medicaid that you have too many assets, a good care resource planner or elder law attorney may be able to help you preserve some of your assets and get you the help you need sooner.]]></description>
		<content:encoded><![CDATA[No, Medicare was never intended to be used for long term care.  Medicare has very limited benefits when it comes to nursing home care and no benefits for assisted living.  If you need help with assisted living and are being told by Medicaid that you have too many assets, a good care resource planner or elder law attorney may be able to help you preserve some of your assets and get you the help you need sooner.]]></content:encoded>
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		<title>Answer on Can Anyone Buy A Life Insurance Policy On Someone Else? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/can-anyone-buy-a-life-insurance-policy-on-someone-else#answer_3395</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 11 May 2013 10:36:42 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/can-anyone-buy-a-life-insurance-policy-on-someone-else#answer_3395</guid>
		<description><![CDATA[In order to take a policy out on another individual you must have some sort of insurable interest.  A family member, an employer, a creditor, are all examples of insurable interest.  The party being insured must also have knowledge and approve of the insurance and sign the application.]]></description>
		<content:encoded><![CDATA[In order to take a policy out on another individual you must have some sort of insurable interest.  A family member, an employer, a creditor, are all examples of insurable interest.  The party being insured must also have knowledge and approve of the insurance and sign the application.]]></content:encoded>
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		<title>Answer on Can You Change The Owner Of A Life Insurance Policy? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/can-you-change-the-owner-of-a-life-insurance-policy#answer_3392</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 11 May 2013 10:29:57 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/can-you-change-the-owner-of-a-life-insurance-policy#answer_3392</guid>
		<description><![CDATA[Yes.  Keep in mind that when you change ownership you lose all control of the policy and turn it over to the new owner.  Make sure you have a solid reason for doing so.  Some common practices would include:  Making a funeral home the owner and beneficiary so that the funeral can be prepaid, assigning ownershio to a Funeral Trust, assigning ownership to a trusted family member.  There are other reasons but again remember that you lose control over the policy.]]></description>
		<content:encoded><![CDATA[Yes.  Keep in mind that when you change ownership you lose all control of the policy and turn it over to the new owner.  Make sure you have a solid reason for doing so.  Some common practices would include:  Making a funeral home the owner and beneficiary so that the funeral can be prepaid, assigning ownershio to a Funeral Trust, assigning ownership to a trusted family member.  There are other reasons but again remember that you lose control over the policy.]]></content:encoded>
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		<title>Answer on Does Home Insurance Cover Plumbing Leaks? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/does-home-insurance-cover-plumbing-leaks#answer_3391</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 11 May 2013 10:23:55 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/does-home-insurance-cover-plumbing-leaks#answer_3391</guid>
		<description><![CDATA[No, unless the leakage was caused by a covered peril.  A homeowners policy is not designed as a maintenance policy.  It is designed to protect you from natural disasters, fire, and theft.  Even if plumbing was covered you still have your deductible to consider.  It probably wouldn&#039;t be worth turning in.]]></description>
		<content:encoded><![CDATA[No, unless the leakage was caused by a covered peril.  A homeowners policy is not designed as a maintenance policy.  It is designed to protect you from natural disasters, fire, and theft.  Even if plumbing was covered you still have your deductible to consider.  It probably wouldn't be worth turning in.]]></content:encoded>
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		<title>Answer on What Is A Mutual Life Insurance Company? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-is-a-mutual-life-insurance-company#answer_3390</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 11 May 2013 10:18:08 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-is-a-mutual-life-insurance-company#answer_3390</guid>
		<description><![CDATA[A mutual company is a company owned by the policyholder rather than stock holders.  A mutual company will pay its excess profits back to the policy holder in the form of dividends.  A stock company pays its dividends to the stock holders.  While mutual companies premiums may be just a little more than a stock company, the cash value, because of dividends, can be far greater and more options are available within the policy.]]></description>
		<content:encoded><![CDATA[A mutual company is a company owned by the policyholder rather than stock holders.  A mutual company will pay its excess profits back to the policy holder in the form of dividends.  A stock company pays its dividends to the stock holders.  While mutual companies premiums may be just a little more than a stock company, the cash value, because of dividends, can be far greater and more options are available within the policy.]]></content:encoded>
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		<title>Answer on Can I Add A Friend To My Auto Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/can-i-add-a-friend-to-my-auto-insurance#answer_3282</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 10 May 2013 11:14:30 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/can-i-add-a-friend-to-my-auto-insurance#answer_3282</guid>
		<description><![CDATA[If your friend drives your car on a regular basis then you might want to consider adding him as a named driver.  Be careful though.  His driving record will effect your insurance rates.  So if he has a bad driving record you are better off having him get his own coverage before letting him drive your car.]]></description>
		<content:encoded><![CDATA[If your friend drives your car on a regular basis then you might want to consider adding him as a named driver.  Be careful though.  His driving record will effect your insurance rates.  So if he has a bad driving record you are better off having him get his own coverage before letting him drive your car.]]></content:encoded>
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		<title>Answer on Will Car Insurance Go Up After Accident? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/will-car-insurance-go-up-after-accident#answer_3280</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 10 May 2013 11:11:09 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/will-car-insurance-go-up-after-accident#answer_3280</guid>
		<description><![CDATA[If it is an at fault accident then it can go up.  Each company is different and some will forgive the first incident before raising your rates.  A lot depends on driving record prior to the accident.  So to answer your question, Yes it can go up, but that does not mean it will.]]></description>
		<content:encoded><![CDATA[If it is an at fault accident then it can go up.  Each company is different and some will forgive the first incident before raising your rates.  A lot depends on driving record prior to the accident.  So to answer your question, Yes it can go up, but that does not mean it will.]]></content:encoded>
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		<title>Answer on Can I Be Denied Health Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/can-i-be-denied-health-insurance#answer_3278</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 10 May 2013 11:01:21 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/can-i-be-denied-health-insurance#answer_3278</guid>
		<description><![CDATA[At this time yes you can.  However that is soon to change.  Beginning in January of 2014 the affordable care act mandates that no one can be denied coverage based on pre-existing conditions.  You will be able to take out a policy in or out of the exchange.  You also cannot be charged more premium because of your health.]]></description>
		<content:encoded><![CDATA[At this time yes you can.  However that is soon to change.  Beginning in January of 2014 the affordable care act mandates that no one can be denied coverage based on pre-existing conditions.  You will be able to take out a policy in or out of the exchange.  You also cannot be charged more premium because of your health.]]></content:encoded>
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		<title>Answer on Can You Change Homeowners Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/can-you-change-homeowners-insurance#answer_3274</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 10 May 2013 10:52:07 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/can-you-change-homeowners-insurance#answer_3274</guid>
		<description><![CDATA[You can change homeowners insurance whenever you want.  If the premium is figured in with your mortgage, the new company can set it up the same way and it is usually a fairly smooth transition.  If you are nearing your anniversary date on the policy, try to make the change before the mortgage company pays the old company.  It will make the transition easier.]]></description>
		<content:encoded><![CDATA[You can change homeowners insurance whenever you want.  If the premium is figured in with your mortgage, the new company can set it up the same way and it is usually a fairly smooth transition.  If you are nearing your anniversary date on the policy, try to make the change before the mortgage company pays the old company.  It will make the transition easier.]]></content:encoded>
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		<title>Answer on Does Home Insurance Increase Each Year? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/does-home-insurance-increase-each-year#answer_3271</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 10 May 2013 10:46:40 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/does-home-insurance-increase-each-year#answer_3271</guid>
		<description><![CDATA[Most homeowners policies are based on the replacement cost of the home.  As a result, due to inflation, the replacement cost of a home may go up.  When that happens the policy will adjust accordingly.  Also, companies raise their rates based on claims experience.  So home insurance can increase every yrar, but depending on the company and the claims experience they may not.]]></description>
		<content:encoded><![CDATA[Most homeowners policies are based on the replacement cost of the home.  As a result, due to inflation, the replacement cost of a home may go up.  When that happens the policy will adjust accordingly.  Also, companies raise their rates based on claims experience.  So home insurance can increase every yrar, but depending on the company and the claims experience they may not.]]></content:encoded>
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		<title>Answer on When Can I Change My Auto Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/when-can-i-change-my-auto-insurance#answer_3269</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 10 May 2013 10:41:44 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/when-can-i-change-my-auto-insurance#answer_3269</guid>
		<description><![CDATA[You can change auto insurance anytime.  If you change policies before your policy renews you will get back any unearned premium in most cases.  Some companies short rate, meaning they may not give back all of your money, but this is not common anymore, at least with the companies I am familiar with.]]></description>
		<content:encoded><![CDATA[You can change auto insurance anytime.  If you change policies before your policy renews you will get back any unearned premium in most cases.  Some companies short rate, meaning they may not give back all of your money, but this is not common anymore, at least with the companies I am familiar with.]]></content:encoded>
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		<title>Answer on Is Cancer Insurance Necessary? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/critical-illness-insurance/is-cancer-insurance-necessary#answer_3267</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 10 May 2013 10:37:32 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/critical-illness-insurance/is-cancer-insurance-necessary#answer_3267</guid>
		<description><![CDATA[Given the statistics it is not a bad idea.  Even if you have health insurance, the out of pocket costs of uncovered items, loss of income, cost of care and other expenses can be devastating.  A cancer policy will help cover those costs.  I used to work with an individual who had cancer.  She forced herself to come to work every day even though she was extremely ill from the chemo and radiation.  She didn&#039;t have a choice, she needed the money to pay for her treatment and living expenses, even though she had insurance.  I highly recommend it.]]></description>
		<content:encoded><![CDATA[Given the statistics it is not a bad idea.  Even if you have health insurance, the out of pocket costs of uncovered items, loss of income, cost of care and other expenses can be devastating.  A cancer policy will help cover those costs.  I used to work with an individual who had cancer.  She forced herself to come to work every day even though she was extremely ill from the chemo and radiation.  She didn't have a choice, she needed the money to pay for her treatment and living expenses, even though she had insurance.  I highly recommend it.]]></content:encoded>
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		<title>Answer on Why Have Car Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/why-have-car-insurance#answer_3266</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 10 May 2013 10:29:34 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/why-have-car-insurance#answer_3266</guid>
		<description><![CDATA[First of all in most states it is mandatory and you can lose your license if you do not have insurance.  It is also a protection for you against lawsuits.  Non of us plan on being in an at fault accident and hurting or killing someone.  If someone is hurt or killed they or their family are entitled to compensation.  Car insurance can help provide at least some compensation for medical bills and loss of income for the innocent party.]]></description>
		<content:encoded><![CDATA[First of all in most states it is mandatory and you can lose your license if you do not have insurance.  It is also a protection for you against lawsuits.  Non of us plan on being in an at fault accident and hurting or killing someone.  If someone is hurt or killed they or their family are entitled to compensation.  Car insurance can help provide at least some compensation for medical bills and loss of income for the innocent party.]]></content:encoded>
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		<title>Answer on Will Medicare Pay For A Lift Recliner? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/will-medicare-pay-for-a-lift-recliner#answer_3265</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 10 May 2013 10:24:07 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/will-medicare-pay-for-a-lift-recliner#answer_3265</guid>
		<description><![CDATA[Medicare will only pay for medically necessary durable medical equipment prescribed by a doctor.  Unless there is a very unusual circumstance, I do not see medicare approving a recliner.  In most cases I would say the answer is no to your question.  I took care of two elderly parents, both of whom need lift chairs.  Medicare would not pay for them.]]></description>
		<content:encoded><![CDATA[Medicare will only pay for medically necessary durable medical equipment prescribed by a doctor.  Unless there is a very unusual circumstance, I do not see medicare approving a recliner.  In most cases I would say the answer is no to your question.  I took care of two elderly parents, both of whom need lift chairs.  Medicare would not pay for them.]]></content:encoded>
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		<title>Answer on How Much Life Insurance Does Someone Need? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/how-much-life-insurance-does-someone-need#answer_3264</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 10 May 2013 10:16:53 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/how-much-life-insurance-does-someone-need#answer_3264</guid>
		<description><![CDATA[It depends on your individual situation.  Everyone is different so there is no single answer to that question.  I usually recommend enough to pay final expenses.  The national average right now is between $5000 and $15000.  My recommendation for final expenses would be at least $25000 to help allow for inflation.  There are a lot of factors to consider, debt, family situation, and a variety of other factors.  Sit down with a good experienced independent agent. A good agent will help you find an affordable solution to your goals and needs.]]></description>
		<content:encoded><![CDATA[It depends on your individual situation.  Everyone is different so there is no single answer to that question.  I usually recommend enough to pay final expenses.  The national average right now is between $5000 and $15000.  My recommendation for final expenses would be at least $25000 to help allow for inflation.  There are a lot of factors to consider, debt, family situation, and a variety of other factors.  Sit down with a good experienced independent agent. A good agent will help you find an affordable solution to your goals and needs.]]></content:encoded>
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	<item>
		<title>Answer on Can Life Insurance Companies Tell If You Smoke? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/can-life-insurance-companies-tell-if-you-smoke#answer_3263</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 10 May 2013 10:10:14 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/can-life-insurance-companies-tell-if-you-smoke#answer_3263</guid>
		<description><![CDATA[If the policy you are applying for requires a blood, urine, or saliva sample they will test for nicotine.  On almost all life applications there is a question regarding tobacco use.  If you lie on the application and live beyond two years, you could probably get away with it however keep in mind that lying on an application is insurance fraud.  The best thing is to just stop smoking.]]></description>
		<content:encoded><![CDATA[If the policy you are applying for requires a blood, urine, or saliva sample they will test for nicotine.  On almost all life applications there is a question regarding tobacco use.  If you lie on the application and live beyond two years, you could probably get away with it however keep in mind that lying on an application is insurance fraud.  The best thing is to just stop smoking.]]></content:encoded>
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		<title>Answer on What Happens To Life Insurance When You Cancel? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-happens-to-life-insurance-when-you-cancel#answer_3262</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 10 May 2013 10:02:29 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-happens-to-life-insurance-when-you-cancel#answer_3262</guid>
		<description><![CDATA[If the policy has cash value you would have the option of cashing the policy in for the surrender value of the policy, you can do nothing and the cash value will buy extended term insurance keeping the death benefit in force until the cash value is used up, or you can take a reduced paid up policy for whatever the cash value will buy.  If you have term insurance the death benefit simply goes away.]]></description>
		<content:encoded><![CDATA[If the policy has cash value you would have the option of cashing the policy in for the surrender value of the policy, you can do nothing and the cash value will buy extended term insurance keeping the death benefit in force until the cash value is used up, or you can take a reduced paid up policy for whatever the cash value will buy.  If you have term insurance the death benefit simply goes away.]]></content:encoded>
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		<title>Answer on What Is The Best And Most Affordable Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-is-the-best-and-most-affordable-life-insurance#answer_3100</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 09 May 2013 10:22:24 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-is-the-best-and-most-affordable-life-insurance#answer_3100</guid>
		<description><![CDATA[There is no correct answer for that question.  It depends on your circumstances. Rates are determined by age and health, type and amount of coverage applied for.  A person with excellent health age 30 applying for $100,000 coverage may get an excellaent rate from a company, but a person 55 in excellent health may get a better rate thru another company.  The best thing is to sit down with an experienced agent who represents many companies and have him help you find the best and most affordable company for YOU!]]></description>
		<content:encoded><![CDATA[There is no correct answer for that question.  It depends on your circumstances. Rates are determined by age and health, type and amount of coverage applied for.  A person with excellent health age 30 applying for $100,000 coverage may get an excellaent rate from a company, but a person 55 in excellent health may get a better rate thru another company.  The best thing is to sit down with an experienced agent who represents many companies and have him help you find the best and most affordable company for YOU!]]></content:encoded>
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		<title>Answer on Which Health Insurance Is Most Popular? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/which-health-insurance-is-most-popular#answer_2926</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 08 May 2013 12:02:12 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/which-health-insurance-is-most-popular#answer_2926</guid>
		<description><![CDATA[It depends on where you live and what you mean by most popular.  Some area&#039;s have local HMO&#039;s that are very popular in that area.  As far as size United Health Care insures more people worldwide than any other company.  Anthem/ Blue Cross Blue Shield, Aetna, Humana are also large companies on a national level that are very popular.]]></description>
		<content:encoded><![CDATA[It depends on where you live and what you mean by most popular.  Some area's have local HMO's that are very popular in that area.  As far as size United Health Care insures more people worldwide than any other company.  Anthem/ Blue Cross Blue Shield, Aetna, Humana are also large companies on a national level that are very popular.]]></content:encoded>
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		<title>Answer on Can I Claim Blood Tests On Medicare? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/can-i-claim-blood-tests-on-medicare#answer_2924</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 08 May 2013 11:58:05 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/can-i-claim-blood-tests-on-medicare#answer_2924</guid>
		<description><![CDATA[Blood tests are covered under Medicare as long as they are medically necessary and prescribed by your doctor.  This would fall under Part B of Medicare and unless you have a Medicare Supplement or Medicare Advantage Plan then you would be responsible for 20% of the Medicare approved cost.]]></description>
		<content:encoded><![CDATA[Blood tests are covered under Medicare as long as they are medically necessary and prescribed by your doctor.  This would fall under Part B of Medicare and unless you have a Medicare Supplement or Medicare Advantage Plan then you would be responsible for 20% of the Medicare approved cost.]]></content:encoded>
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		<title>Answer on Can I Get Life Insurance If I Am Bipolar? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/can-i-get-life-insurance-if-i-am-bipolar#answer_2923</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 08 May 2013 11:53:58 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/can-i-get-life-insurance-if-i-am-bipolar#answer_2923</guid>
		<description><![CDATA[Depending on the company and the plan you may be able to get a policy.  Insurance companies look at the medications you are on, how long you have had the problem, have you been hospitalized?, Any history of suicide attempts and are there any other health issues?  A good independent agent will look at these factors to determine the best course to take.  He (or She) may want to try a fully underwritten plan.  He can call the company and get a pre-approval before writing the policy.  You may need to go with a simplified issue plan.  If there are serious health problems going on, the agent can always go with a guaranteed issue plan.  In either case, you are not going to get the kind of rates available for a perfectly healthy person.  But yes, you can get insurance]]></description>
		<content:encoded><![CDATA[Depending on the company and the plan you may be able to get a policy.  Insurance companies look at the medications you are on, how long you have had the problem, have you been hospitalized?, Any history of suicide attempts and are there any other health issues?  A good independent agent will look at these factors to determine the best course to take.  He (or She) may want to try a fully underwritten plan.  He can call the company and get a pre-approval before writing the policy.  You may need to go with a simplified issue plan.  If there are serious health problems going on, the agent can always go with a guaranteed issue plan.  In either case, you are not going to get the kind of rates available for a perfectly healthy person.  But yes, you can get insurance]]></content:encoded>
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		<title>Answer on How Much Should I Have For Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/how-much-should-i-have-for-life-insurance#answer_2922</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 08 May 2013 11:42:01 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/how-much-should-i-have-for-life-insurance#answer_2922</guid>
		<description><![CDATA[There are a variety of factors to consider.&#160; First, final expenses.&#160; This includes cost of burial, funeral, flowers, cemetery plot and other items.&#160; The national average is around $8 to $15,000.&#160; Then you need to consider an emergency fiund if you are married.&#160; The normal recommendation is at least 6 months of your salary.&#160; This will provide your wife enough money to get on her feet and if minor children are involved, provide care for them until social security starts to pay.&#160; Next consider mortgage and other debts, if you were out of the picture, will there be enough money to cover those debts and still provide for the family.&#160; Do you want to help with your kids college?&#160; Many people will provide for a college fund if they pas on prematurely.&#160; As you can see there are a lot of factors to consider.&#160; Once we determine the amount of coverage needed then we need to consider an affordable way to pay for it.&#160; This is where a good independent agent can help you.&#160; With a combination of term and whole life insurance most needs can be met.&#160; Find an experience agent who represents many life insurance companies and can help you select the plan that is right for you.]]></description>
		<content:encoded><![CDATA[There are a variety of factors to consider.&nbsp; First, final expenses.&nbsp; This includes cost of burial, funeral, flowers, cemetery plot and other items.&nbsp; The national average is around $8 to $15,000.&nbsp; Then you need to consider an emergency fiund if you are married.&nbsp; The normal recommendation is at least 6 months of your salary.&nbsp; This will provide your wife enough money to get on her feet and if minor children are involved, provide care for them until social security starts to pay.&nbsp; Next consider mortgage and other debts, if you were out of the picture, will there be enough money to cover those debts and still provide for the family.&nbsp; Do you want to help with your kids college?&nbsp; Many people will provide for a college fund if they pas on prematurely.&nbsp; As you can see there are a lot of factors to consider.&nbsp; Once we determine the amount of coverage needed then we need to consider an affordable way to pay for it.&nbsp; This is where a good independent agent can help you.&nbsp; With a combination of term and whole life insurance most needs can be met.&nbsp; Find an experience agent who represents many life insurance companies and can help you select the plan that is right for you.]]></content:encoded>
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		<title>Answer on What Does Medicare Provide For Older Americans? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/what-does-medicare-provide-for-older-americans#answer_2852</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 07 May 2013 18:32:15 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/what-does-medicare-provide-for-older-americans#answer_2852</guid>
		<description><![CDATA[Basic Medicare pays the majority of Medical bills, however it was never designed to be all inclusive.  Hospitalization under part A has around a $1200 deductible (it changes every year).  Part B pays 80% of Medicare approved charges for outpatient services and doctors visits.  Without Medicare seniors would have no coverage in most cases.]]></description>
		<content:encoded><![CDATA[Basic Medicare pays the majority of Medical bills, however it was never designed to be all inclusive.  Hospitalization under part A has around a $1200 deductible (it changes every year).  Part B pays 80% of Medicare approved charges for outpatient services and doctors visits.  Without Medicare seniors would have no coverage in most cases.]]></content:encoded>
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		<title>Answer on What Is Medicare Blue? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/what-is-medicare-blue#answer_2851</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 07 May 2013 18:26:35 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/what-is-medicare-blue#answer_2851</guid>
		<description><![CDATA[This would be related to a Medicare Advantage plan or Medicare Supplement written by one of the Blue Cross Blue Shield companies.  In Ohio that would be Anthem.  The term is related to the insurance company products and name, not Medicare itself.  Medicare does not endorse any particular plan or company.]]></description>
		<content:encoded><![CDATA[This would be related to a Medicare Advantage plan or Medicare Supplement written by one of the Blue Cross Blue Shield companies.  In Ohio that would be Anthem.  The term is related to the insurance company products and name, not Medicare itself.  Medicare does not endorse any particular plan or company.]]></content:encoded>
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		<title>Answer on Can You Go To Jail For Not Having Auto Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/can-you-go-to-jail-for-not-having-auto-insurance#answer_2842</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 07 May 2013 17:58:26 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/can-you-go-to-jail-for-not-having-auto-insurance#answer_2842</guid>
		<description><![CDATA[You will not go to jail but if the state requires insurance then you will lose your license until you can show proof of financial responsibility in the form of insurance or financial responsibility bond.  Carrying liability insurance if you are driving is a responsibility everyone has.  While no one plans on an accident, you can be held responsible for bodily injury of another individual if an accident occurs.  Liability protects you from being financially devastated by a law suite.]]></description>
		<content:encoded><![CDATA[You will not go to jail but if the state requires insurance then you will lose your license until you can show proof of financial responsibility in the form of insurance or financial responsibility bond.  Carrying liability insurance if you are driving is a responsibility everyone has.  While no one plans on an accident, you can be held responsible for bodily injury of another individual if an accident occurs.  Liability protects you from being financially devastated by a law suite.]]></content:encoded>
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		<title>Answer on What Is Paid Up Value In Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-is-paid-up-value-in-life-insurance#answer_2841</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 07 May 2013 17:50:57 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-is-paid-up-value-in-life-insurance#answer_2841</guid>
		<description><![CDATA[A life insurance policy that has cash value has several non forfeiture options.  Should you no longer be able to make the premium payments you may choose to do one of three things.  You can use the cash value to purchase a paid up policy.  This means you have a reduced face amount for whatever the cash value will buy.  You must notify the company if you want this option.  If you do nothing and simply stop paying, the policy will go on what is called extended term.  The cash value will purchase low cost one year term for the full face amount until the cash value is used up.  There are tables in your policy that show this.  You could also cash surrender the policy for the cash value.]]></description>
		<content:encoded><![CDATA[A life insurance policy that has cash value has several non forfeiture options.  Should you no longer be able to make the premium payments you may choose to do one of three things.  You can use the cash value to purchase a paid up policy.  This means you have a reduced face amount for whatever the cash value will buy.  You must notify the company if you want this option.  If you do nothing and simply stop paying, the policy will go on what is called extended term.  The cash value will purchase low cost one year term for the full face amount until the cash value is used up.  There are tables in your policy that show this.  You could also cash surrender the policy for the cash value.]]></content:encoded>
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		<title>Answer on Will Medicare Pay For A Caregiver? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/will-medicare-pay-for-a-caregiver#answer_2822</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 07 May 2013 15:55:41 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/will-medicare-pay-for-a-caregiver#answer_2822</guid>
		<description><![CDATA[The answer to that question is no.  Medicare does not pay for any custodial care.  There are some government benefits that may help if you qualify.  As part of our Care Resource planning we help individuals through the maze of government benefits.  Find a good Care Resource planner in your area or elder law attorney.  They may be able to help.]]></description>
		<content:encoded><![CDATA[The answer to that question is no.  Medicare does not pay for any custodial care.  There are some government benefits that may help if you qualify.  As part of our Care Resource planning we help individuals through the maze of government benefits.  Find a good Care Resource planner in your area or elder law attorney.  They may be able to help.]]></content:encoded>
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		<title>Answer on How To Get Medicare Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/how-to-get-medicare-insurance#answer_2768</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 07 May 2013 11:52:09 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/how-to-get-medicare-insurance#answer_2768</guid>
		<description><![CDATA[You will automatically be enrolled in Medicare when you turn 65.  I am assuming you mean a Medicare Supplement or Medicare Advantage Plan. While there a number of ways to purchase Medicare Supplement Insurance on-line, I would sit down with a good local independent agent who specializes in Medicare plans.  A good experienced agent will explain your options and help you find the plan that is right for you.]]></description>
		<content:encoded><![CDATA[You will automatically be enrolled in Medicare when you turn 65.  I am assuming you mean a Medicare Supplement or Medicare Advantage Plan. While there a number of ways to purchase Medicare Supplement Insurance on-line, I would sit down with a good local independent agent who specializes in Medicare plans.  A good experienced agent will explain your options and help you find the plan that is right for you.]]></content:encoded>
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		<title>Answer on When Can I Buy A Medicare Supplement Policy? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/when-can-i-buy-a-medicare-supplement-policy#answer_2767</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 07 May 2013 11:47:16 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/when-can-i-buy-a-medicare-supplement-policy#answer_2767</guid>
		<description><![CDATA[Some companies will allow you to purchase a plan up to six months before turning 65.  You can purchase a Medicare Supplement any time during the year, as long as you can qualify health-wise, unless you are in a Medicare Advantage Plan.  In that case it would be in your best interest to wait until the Open Enrollment period from October 15th thru December 7th.]]></description>
		<content:encoded><![CDATA[Some companies will allow you to purchase a plan up to six months before turning 65.  You can purchase a Medicare Supplement any time during the year, as long as you can qualify health-wise, unless you are in a Medicare Advantage Plan.  In that case it would be in your best interest to wait until the Open Enrollment period from October 15th thru December 7th.]]></content:encoded>
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		<title>Answer on Which Life Insurance Company Is Best? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/which-life-insurance-company-is-best#answer_2765</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 07 May 2013 11:41:55 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/which-life-insurance-company-is-best#answer_2765</guid>
		<description><![CDATA[There is no single best life insurance company. Look for a company with at least an A rating that is financially strong.  Size of the company does not necessarily matter here.  There are a lot of very good companies with very competitive products.  A good local independent agent knows the plans and companies out there and can help you find one that you are comfortable with.]]></description>
		<content:encoded><![CDATA[There is no single best life insurance company. Look for a company with at least an A rating that is financially strong.  Size of the company does not necessarily matter here.  There are a lot of very good companies with very competitive products.  A good local independent agent knows the plans and companies out there and can help you find one that you are comfortable with.]]></content:encoded>
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		<title>Answer on How Good Is The General Auto Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/how-good-is-the-general-auto-insurance#answer_2763</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 07 May 2013 11:35:41 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/how-good-is-the-general-auto-insurance#answer_2763</guid>
		<description><![CDATA[The General is as good as any other company in that it will pay it&#039;s claims.  You may not get the most competitive rates and you definitely will not get the good service a local agent will provide.  Shop several companies.  Consider more than rates.  When you are in an accident is when you find out how good your coverage really is.  Unless you know what the coverages are and the ins and outs of insurance I highly suggest you find a local agent to help you.]]></description>
		<content:encoded><![CDATA[The General is as good as any other company in that it will pay it's claims.  You may not get the most competitive rates and you definitely will not get the good service a local agent will provide.  Shop several companies.  Consider more than rates.  When you are in an accident is when you find out how good your coverage really is.  Unless you know what the coverages are and the ins and outs of insurance I highly suggest you find a local agent to help you.]]></content:encoded>
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		<title>Answer on Is It Illegal To Buy Life Insurance On Someone Else? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/is-it-illegal-to-buy-life-insurance-on-someone-else#answer_2761</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 07 May 2013 11:25:20 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/is-it-illegal-to-buy-life-insurance-on-someone-else#answer_2761</guid>
		<description><![CDATA[As long as you have the consent of the individual and there is insurable interest you can purchase insurance on another party.  A family member such as brother sister, spouse child, parent or grandparent.  A business partner.  An insurable interest means that you may have the potential for financial loss should that person die.]]></description>
		<content:encoded><![CDATA[As long as you have the consent of the individual and there is insurable interest you can purchase insurance on another party.  A family member such as brother sister, spouse child, parent or grandparent.  A business partner.  An insurable interest means that you may have the potential for financial loss should that person die.]]></content:encoded>
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		<title>Answer on Which Type Of Life Insurance Policy Pays A Dividend? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/which-type-of-life-insurance-policy-pays-a-dividend#answer_2760</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 07 May 2013 11:21:52 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/which-type-of-life-insurance-policy-pays-a-dividend#answer_2760</guid>
		<description><![CDATA[Dividends are paid by Mutual Companies.  There are three main types of Life insurance companies:  Stock companies, who pay profits to stockholders, Fraternal&#039;s, who give back profits in the form of extra benefits to their policy holders, and Mutual companies.  Mutual companies pay back excess profits in the form of dividends to their policy holders.  Look for the word &quot;Mutual&quot; in the company name, as one indicator.  Dividends are usually only paid on whole life policies.]]></description>
		<content:encoded><![CDATA[Dividends are paid by Mutual Companies.  There are three main types of Life insurance companies:  Stock companies, who pay profits to stockholders, Fraternal's, who give back profits in the form of extra benefits to their policy holders, and Mutual companies.  Mutual companies pay back excess profits in the form of dividends to their policy holders.  Look for the word "Mutual" in the company name, as one indicator.  Dividends are usually only paid on whole life policies.]]></content:encoded>
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		<title>Answer on Who Should I Talk To About Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/who-should-i-talk-to-about-life-insurance#answer_2758</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 07 May 2013 11:16:02 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/who-should-i-talk-to-about-life-insurance#answer_2758</guid>
		<description><![CDATA[Find a good local experienced independent agent in your area who can sit down with you, discuss your needs and goals and help you find the plan that is affordable for you.  Do not bow to high pressure sales tactics.  Find someone you are comfortable with.  You may want to interview a few agents before deciding on the one you want to do business with.  A good agent will be looking out for YOUR interests.  Find someone who has been in the business for a while, who knows the plans and options available to you.]]></description>
		<content:encoded><![CDATA[Find a good local experienced independent agent in your area who can sit down with you, discuss your needs and goals and help you find the plan that is affordable for you.  Do not bow to high pressure sales tactics.  Find someone you are comfortable with.  You may want to interview a few agents before deciding on the one you want to do business with.  A good agent will be looking out for YOUR interests.  Find someone who has been in the business for a while, who knows the plans and options available to you.]]></content:encoded>
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		<title>Answer on What Is Stranger Originated Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-is-stranger-originated-life-insurance#answer_2757</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 07 May 2013 11:09:24 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-is-stranger-originated-life-insurance#answer_2757</guid>
		<description><![CDATA[This would be when a person who has no insurable interest, takes out a policy on your life without your knowledge.  This a fraudulent practice.  The idea would be to cash in on your death.  It is illegal to purchase a life insurance contract on an individual unless you have some sort of insurable interest such as a spouse, a child, or a business partner, especially without their knowledge.]]></description>
		<content:encoded><![CDATA[This would be when a person who has no insurable interest, takes out a policy on your life without your knowledge.  This a fraudulent practice.  The idea would be to cash in on your death.  It is illegal to purchase a life insurance contract on an individual unless you have some sort of insurable interest such as a spouse, a child, or a business partner, especially without their knowledge.]]></content:encoded>
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		<title>Answer on How Much Is An Eye Exam Without Health Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/how-much-is-an-eye-exam-without-health-insurance#answer_2755</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 07 May 2013 11:03:13 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/how-much-is-an-eye-exam-without-health-insurance#answer_2755</guid>
		<description><![CDATA[I depends on where you go.  It could be anywhere from $75 to $200.  You need to call around in your area.  Walmart usually has good prices on basic eye exams.  You will pay more for an ophthalmologist than an optometrist.  Unless you think you have a problem such as cataracts, an optometrist can prescribe you with no problem.]]></description>
		<content:encoded><![CDATA[I depends on where you go.  It could be anywhere from $75 to $200.  You need to call around in your area.  Walmart usually has good prices on basic eye exams.  You will pay more for an ophthalmologist than an optometrist.  Unless you think you have a problem such as cataracts, an optometrist can prescribe you with no problem.]]></content:encoded>
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		<title>Answer on How Much Is Medicare Health Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/how-much-is-medicare-health-insurance#answer_2753</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 07 May 2013 10:50:13 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/how-much-is-medicare-health-insurance#answer_2753</guid>
		<description><![CDATA[If you are talking about Medigap (or Medicare Supplement) Insurance, that would vary according to the company and plan you select.  Some Medicare Advantage Plans offer 0 premium.  Medigap Insurance premiums could be any where from $30 per month to $300 a month or more depending on where you live, your age, the plan, and the company.]]></description>
		<content:encoded><![CDATA[If you are talking about Medigap (or Medicare Supplement) Insurance, that would vary according to the company and plan you select.  Some Medicare Advantage Plans offer 0 premium.  Medigap Insurance premiums could be any where from $30 per month to $300 a month or more depending on where you live, your age, the plan, and the company.]]></content:encoded>
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		<title>Answer on What Is The Best Life Insurance Policy For Me? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-is-the-best-life-insurance-policy-for-me#answer_2752</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 07 May 2013 10:45:46 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-is-the-best-life-insurance-policy-for-me#answer_2752</guid>
		<description><![CDATA[The best Life Insurance is the Insurance in force when you die.  That being said, it all depends on your individual situation.  There is no one best plan.  You have to consider a number of factors such as age, income, debts, family situation, and your personal goals.  A good independent life insurance agent can help you find the best plan for you.]]></description>
		<content:encoded><![CDATA[The best Life Insurance is the Insurance in force when you die.  That being said, it all depends on your individual situation.  There is no one best plan.  You have to consider a number of factors such as age, income, debts, family situation, and your personal goals.  A good independent life insurance agent can help you find the best plan for you.]]></content:encoded>
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		<title>Answer on Does Life Insurance Cover Drunk Driving Death? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/does-life-insurance-cover-drunk-driving-death#answer_2751</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 07 May 2013 10:41:59 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/does-life-insurance-cover-drunk-driving-death#answer_2751</guid>
		<description><![CDATA[Yes unless you fail to disclose a history of alcohol abuse on the application and the incident occurs during the first two years of the policy.  Life insurance will cover almost any cause of death.  Some exclude acts of war.  Drunk driving is not excluded, but a history of alcohol abuse and DUI&#039;s could cause higher rates or declines.]]></description>
		<content:encoded><![CDATA[Yes unless you fail to disclose a history of alcohol abuse on the application and the incident occurs during the first two years of the policy.  Life insurance will cover almost any cause of death.  Some exclude acts of war.  Drunk driving is not excluded, but a history of alcohol abuse and DUI's could cause higher rates or declines.]]></content:encoded>
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		<title>Answer on How Much More Is Life Insurance For A Smoker? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/how-much-more-is-life-insurance-for-a-smoker#answer_2749</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 07 May 2013 10:35:37 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/how-much-more-is-life-insurance-for-a-smoker#answer_2749</guid>
		<description><![CDATA[That varies by company and the amount of insurance applied for.  I have seen as high as 10% or more.  Some companies are a little more lenient than others but most companies will rate smokers higher than non smokers due to the average increase in mortality risk.  There are a couple companies that do not rate up for use of some tobacco products such as a pipe or chew, but I have found that many of these charge higher rates across the board.]]></description>
		<content:encoded><![CDATA[That varies by company and the amount of insurance applied for.  I have seen as high as 10% or more.  Some companies are a little more lenient than others but most companies will rate smokers higher than non smokers due to the average increase in mortality risk.  There are a couple companies that do not rate up for use of some tobacco products such as a pipe or chew, but I have found that many of these charge higher rates across the board.]]></content:encoded>
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		<title>Answer on What Is Meant By Cash Value Of Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-is-meant-by-cash-value-of-life-insurance#answer_2743</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 07 May 2013 10:23:57 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-is-meant-by-cash-value-of-life-insurance#answer_2743</guid>
		<description><![CDATA[The cash value of life insurance is the amount of equity built up in a Whole Life or Universal Life Plan.  Whole Life is designed to equal out insurance costs over the average life span.  You pay more than term in the early stages but much less as you get older.  The excess premium in the early stages allows the insurance company to invest the funds.  After expenses, cash value is accumulated in the policy according to a schedule found in the policy.]]></description>
		<content:encoded><![CDATA[The cash value of life insurance is the amount of equity built up in a Whole Life or Universal Life Plan.  Whole Life is designed to equal out insurance costs over the average life span.  You pay more than term in the early stages but much less as you get older.  The excess premium in the early stages allows the insurance company to invest the funds.  After expenses, cash value is accumulated in the policy according to a schedule found in the policy.]]></content:encoded>
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		<title>Answer on Can U Get Medicare At 62? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/can-u-get-medicare-at-62#answer_2742</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 07 May 2013 10:18:12 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/can-u-get-medicare-at-62#answer_2742</guid>
		<description><![CDATA[Unless you are on Social Security disability you will have to wait until you are 65.  While it is true you can retire at age 63 and go on Social Security you would not be eligible for Medicare.  With the new Health Care Reform, you may qualify for a subsidy to purchase an exchange plan depending on your income.]]></description>
		<content:encoded><![CDATA[Unless you are on Social Security disability you will have to wait until you are 65.  While it is true you can retire at age 63 and go on Social Security you would not be eligible for Medicare.  With the new Health Care Reform, you may qualify for a subsidy to purchase an exchange plan depending on your income.]]></content:encoded>
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		<title>Answer on How Does Joint Life Insurance Work? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/how-does-joint-life-insurance-work#answer_2741</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 07 May 2013 10:12:21 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/how-does-joint-life-insurance-work#answer_2741</guid>
		<description><![CDATA[Joint Life is a very good policy for some situations.  It will allow both parties,usually husband and wife to be covered under one plan.  When the first person dies the surviving partner usually has an option of purchasing a separate policy regardless of health.  It could be very expensive however depending on the age of the surviving spouse.  My opinion is that you are better off with two separate policies.]]></description>
		<content:encoded><![CDATA[Joint Life is a very good policy for some situations.  It will allow both parties,usually husband and wife to be covered under one plan.  When the first person dies the surviving partner usually has an option of purchasing a separate policy regardless of health.  It could be very expensive however depending on the age of the surviving spouse.  My opinion is that you are better off with two separate policies.]]></content:encoded>
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		<title>Answer on Can I Get Life Insurance If I Have Leukemia? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/can-i-get-life-insurance-if-i-have-leukemia#answer_2740</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 07 May 2013 10:06:58 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/can-i-get-life-insurance-if-i-have-leukemia#answer_2740</guid>
		<description><![CDATA[There are a couple of Guaranteed Issue plans available with no health questions.  Unfortunately, this is all that would be available to you at this time.  With a guaranteed issue you can purchase up to $25000.  If you die within two or three years, depending on the plan, your beneficiary would get a reduced face amount or a return of premium plus interest again, depending on the plan.]]></description>
		<content:encoded><![CDATA[There are a couple of Guaranteed Issue plans available with no health questions.  Unfortunately, this is all that would be available to you at this time.  With a guaranteed issue you can purchase up to $25000.  If you die within two or three years, depending on the plan, your beneficiary would get a reduced face amount or a return of premium plus interest again, depending on the plan.]]></content:encoded>
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		<title>Answer on Does Skydiving Void Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/does-skydiving-void-life-insurance#answer_2604</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 06 May 2013 11:15:50 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/does-skydiving-void-life-insurance#answer_2604</guid>
		<description><![CDATA[It depends.  If your life insurance application has a question regarding sky diving and you answer no to that question even though you skydive, and you die within two years, of a skydiving accident, the policy would not pay.  If you have had the policy for a while and decide you want to skydive and are killed the policy would pay, unless there is a specific exclusion in your policy, since there was no fraud on the application.]]></description>
		<content:encoded><![CDATA[It depends.  If your life insurance application has a question regarding sky diving and you answer no to that question even though you skydive, and you die within two years, of a skydiving accident, the policy would not pay.  If you have had the policy for a while and decide you want to skydive and are killed the policy would pay, unless there is a specific exclusion in your policy, since there was no fraud on the application.]]></content:encoded>
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		<title>Answer on What Is Flexible Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-is-flexible-life-insurance#answer_2603</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 06 May 2013 11:10:55 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-is-flexible-life-insurance#answer_2603</guid>
		<description><![CDATA[Usually this refers to a Universal Life Policy.  A Universal Life policy is flexible in that you can vary your premium payments and death benefit.  It is difficult to explain completely in this format, but essential with a UL you can skip payments (provided there is cash value in the policy), you can put more in or put less into the policy.  Some people with a UL will put a portion of their Tax Refund into their policy each year, for example.  This helps the cash value of the policy grow at a tax favored competitive rate of interest.  You can also decrease your death benefit if you do not need as much insurance or if your health is good you can increase the death benefit.]]></description>
		<content:encoded><![CDATA[Usually this refers to a Universal Life Policy.  A Universal Life policy is flexible in that you can vary your premium payments and death benefit.  It is difficult to explain completely in this format, but essential with a UL you can skip payments (provided there is cash value in the policy), you can put more in or put less into the policy.  Some people with a UL will put a portion of their Tax Refund into their policy each year, for example.  This helps the cash value of the policy grow at a tax favored competitive rate of interest.  You can also decrease your death benefit if you do not need as much insurance or if your health is good you can increase the death benefit.]]></content:encoded>
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		<title>Answer on Can You Use Life Insurance To Pay For College? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/can-you-use-life-insurance-to-pay-for-college#answer_2602</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 06 May 2013 11:01:17 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/can-you-use-life-insurance-to-pay-for-college#answer_2602</guid>
		<description><![CDATA[There are a variety of strategies for using life insurance to pay for college or help you get financing.  Some basic ones would be borrowing from the cash value of a policy if it has been in force long enough.  Parents will often take out a life insurance policy on themselves to cover their child&#039;s college if the parent should die prematurely.  There are some other more complicated strategies.  A good agent with experience in college planning may be able to help.]]></description>
		<content:encoded><![CDATA[There are a variety of strategies for using life insurance to pay for college or help you get financing.  Some basic ones would be borrowing from the cash value of a policy if it has been in force long enough.  Parents will often take out a life insurance policy on themselves to cover their child's college if the parent should die prematurely.  There are some other more complicated strategies.  A good agent with experience in college planning may be able to help.]]></content:encoded>
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		<title>Answer on What Is Supplemental AD&#038;D Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-is-supplemental-add-life-insurance#answer_2598</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 06 May 2013 10:49:01 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-is-supplemental-add-life-insurance#answer_2598</guid>
		<description><![CDATA[This would be an additional policy probably offered by your employer or credit union that offers life insurance that covers only Accidental Death and Dismemberment.  This means it will only pay if you die in an accedent or loose a body part such as a hand, arm foot or leg.  These are usually very inexpensive and not a bad supplemental policy for younger ages.  They should never take the place of a full Life insurance policy however.]]></description>
		<content:encoded><![CDATA[This would be an additional policy probably offered by your employer or credit union that offers life insurance that covers only Accidental Death and Dismemberment.  This means it will only pay if you die in an accedent or loose a body part such as a hand, arm foot or leg.  These are usually very inexpensive and not a bad supplemental policy for younger ages.  They should never take the place of a full Life insurance policy however.]]></content:encoded>
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		<title>Answer on Will My Health Insurance Cover Lasik? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/will-my-health-insurance-cover-lasik#answer_2589</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 06 May 2013 10:15:08 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/will-my-health-insurance-cover-lasik#answer_2589</guid>
		<description><![CDATA[Health insurance would only cover eye surgery if a disease of the eye is involved, such as cataracts or glaucoma.  Corrective Lasik surgery is generally not covered by most health insurance companies.  It is considered elective.  This means that you want it done for cosmetic reasons.  It could be covered under a vision plan however.]]></description>
		<content:encoded><![CDATA[Health insurance would only cover eye surgery if a disease of the eye is involved, such as cataracts or glaucoma.  Corrective Lasik surgery is generally not covered by most health insurance companies.  It is considered elective.  This means that you want it done for cosmetic reasons.  It could be covered under a vision plan however.]]></content:encoded>
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		<title>Answer on Is Zostavax Covered By Medicare? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/is-zostavax-covered-by-medicare#answer_2497</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 05 May 2013 11:06:51 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/is-zostavax-covered-by-medicare#answer_2497</guid>
		<description><![CDATA[It will depend on the prescription drug plan you are in.  Medicare only covers certain injectable, chemotherapy drugs under Part B.  The best way to find out which plan covers your drugs is to go to Medicare.Gov and look under find Medicare Plans.  If you have a problem doing this a good agent can help walk you through the process or look them up for you.  If you have a prescription drug plan, you should have received a copy of their formulary.  If not go on the company website and you can usually find out that way, or call the customer service number on the back of your card.]]></description>
		<content:encoded><![CDATA[It will depend on the prescription drug plan you are in.  Medicare only covers certain injectable, chemotherapy drugs under Part B.  The best way to find out which plan covers your drugs is to go to Medicare.Gov and look under find Medicare Plans.  If you have a problem doing this a good agent can help walk you through the process or look them up for you.  If you have a prescription drug plan, you should have received a copy of their formulary.  If not go on the company website and you can usually find out that way, or call the customer service number on the back of your card.]]></content:encoded>
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		<title>Answer on Why Buy Cash Value Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/why-buy-cash-value-life-insurance#answer_2496</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 05 May 2013 10:59:46 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/why-buy-cash-value-life-insurance#answer_2496</guid>
		<description><![CDATA[There are several reasons.  With cash value life insurance such as whole life, you do not have to worry about prmiums going up as you get older and most likely to need the insurance.  The cash value can help provide a buffer if your financial situation changes.  Every whole life policy as nonforfiture options in the contract.  The cash value can help conserve a poliy utilizing thes options. If you cannot afford the premiums any longer the cash value can be used to buy a reduced paid up policy according to a schedule in your policy.  You can also stop making payments and the policy will continue in-force with the cash value buying extended term insurance until the cash value is used up.  You can cash surrender the policy and get some equity.  When you deduct the cash value of a policy from the total premiums you pay you will see that in the long run cash value insurance was far less expensive than buing term.  You can also take a loan on your cash value that is very interest friendly  and will have no repayment schedule, although it is always best to at least pay the interest since the amount of the loan would be deducted from the face amount when you die.]]></description>
		<content:encoded><![CDATA[There are several reasons.  With cash value life insurance such as whole life, you do not have to worry about prmiums going up as you get older and most likely to need the insurance.  The cash value can help provide a buffer if your financial situation changes.  Every whole life policy as nonforfiture options in the contract.  The cash value can help conserve a poliy utilizing thes options. If you cannot afford the premiums any longer the cash value can be used to buy a reduced paid up policy according to a schedule in your policy.  You can also stop making payments and the policy will continue in-force with the cash value buying extended term insurance until the cash value is used up.  You can cash surrender the policy and get some equity.  When you deduct the cash value of a policy from the total premiums you pay you will see that in the long run cash value insurance was far less expensive than buing term.  You can also take a loan on your cash value that is very interest friendly  and will have no repayment schedule, although it is always best to at least pay the interest since the amount of the loan would be deducted from the face amount when you die.]]></content:encoded>
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		<title>Answer on Can Medicare Help Pay For Assisted Living? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/can-medicare-help-pay-for-assisted-living#answer_2495</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 05 May 2013 10:48:01 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/can-medicare-help-pay-for-assisted-living#answer_2495</guid>
		<description><![CDATA[Medicare does not pay for assisted living or nursing home.  It will provide some short term rehab services in a nursing home but it is not designed to pay long term.  To receive nursing home benefits you must be hospitalized at least three days not counting day of discharge, and need skilled care that can not be provided at home related to the reason you entered the hospital.  Medicare will only pay up to 100 days.]]></description>
		<content:encoded><![CDATA[Medicare does not pay for assisted living or nursing home.  It will provide some short term rehab services in a nursing home but it is not designed to pay long term.  To receive nursing home benefits you must be hospitalized at least three days not counting day of discharge, and need skilled care that can not be provided at home related to the reason you entered the hospital.  Medicare will only pay up to 100 days.]]></content:encoded>
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		<title>Answer on What Do I Need To Know When Buying Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-do-i-need-to-know-when-buying-life-insurance#answer_2494</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 05 May 2013 10:41:15 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-do-i-need-to-know-when-buying-life-insurance#answer_2494</guid>
		<description><![CDATA[When purchasing life insurance it is always best, in my opinion, to sit down with a good experienced reputable agent and discuss your needs.  There are a variety of products.  While price is a consideration it should never be the deciding factor.  If a product seems a lot cheaper than other like products there is a reason that you probably will not know about until it is too late.  Consider these factors:  What is the purpose of the insurance?  Is it to cover a long term need such as final expenses, or a short term need such as a mortgage?  You should use permanent insurance such as whole life to cover a long term need.  Term insurance comes in all kinds of packages.  One year term, 5, 10, 20, and 30 are the most common.  There is level term and decreasing term.  Level term the death benefit stays level, decreasing term the death benefit decreases.  Term insurance can be renewable or non renewable.  It can be convertible to whole life or non convertible.  In some term policies the rate can be adjusted according to the companies mortality history, thus it allows for premium increase.  Term insurance premiums go up at each renewal.  As you can see there are a variety of factors involved when buying life insurance.  Unless you know and really do a lot of research on the different policies you may not purchase the best product that will meet your goals.  A good independent insurance agent who specializes in life insurance and represents multiple companies can help you find the right product for your individual situation.]]></description>
		<content:encoded><![CDATA[When purchasing life insurance it is always best, in my opinion, to sit down with a good experienced reputable agent and discuss your needs.  There are a variety of products.  While price is a consideration it should never be the deciding factor.  If a product seems a lot cheaper than other like products there is a reason that you probably will not know about until it is too late.  Consider these factors:  What is the purpose of the insurance?  Is it to cover a long term need such as final expenses, or a short term need such as a mortgage?  You should use permanent insurance such as whole life to cover a long term need.  Term insurance comes in all kinds of packages.  One year term, 5, 10, 20, and 30 are the most common.  There is level term and decreasing term.  Level term the death benefit stays level, decreasing term the death benefit decreases.  Term insurance can be renewable or non renewable.  It can be convertible to whole life or non convertible.  In some term policies the rate can be adjusted according to the companies mortality history, thus it allows for premium increase.  Term insurance premiums go up at each renewal.  As you can see there are a variety of factors involved when buying life insurance.  Unless you know and really do a lot of research on the different policies you may not purchase the best product that will meet your goals.  A good independent insurance agent who specializes in life insurance and represents multiple companies can help you find the right product for your individual situation.]]></content:encoded>
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		<title>Answer on What Is The Difference Between Medicare A And Medicare B? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/what-is-the-difference-between-medicare-a-and-medicare-b#answer_2493</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 05 May 2013 10:26:37 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/what-is-the-difference-between-medicare-a-and-medicare-b#answer_2493</guid>
		<description><![CDATA[There are three basic parts of Medicare.  Medicare part A covers Hospital charges such as room and board and other charges while you are in the hospital.  You will have a deductible of around $1200 under part A, this changes each year so I am just giving a ball park  Medicare Part B covers doctors visits and outpatient charges such as lab work or outpatient surgery. With Medicare part B you are responsible for 20% of the Medicare approved charges plus in some states doctors may charge an additional 15% of what is called excess charges.  Part D is your prescription drug plan.]]></description>
		<content:encoded><![CDATA[There are three basic parts of Medicare.  Medicare part A covers Hospital charges such as room and board and other charges while you are in the hospital.  You will have a deductible of around $1200 under part A, this changes each year so I am just giving a ball park  Medicare Part B covers doctors visits and outpatient charges such as lab work or outpatient surgery. With Medicare part B you are responsible for 20% of the Medicare approved charges plus in some states doctors may charge an additional 15% of what is called excess charges.  Part D is your prescription drug plan.]]></content:encoded>
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		<title>Answer on What Are Life Insurance Policy Dividends? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-are-life-insurance-policy-dividends#answer_2492</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 05 May 2013 10:13:49 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-are-life-insurance-policy-dividends#answer_2492</guid>
		<description><![CDATA[There are three different types of companies that sell life insurance.  Stock companies, which pay profits to stockholder aft expenses, fraternal&#039;s that have a common membership and profits are used to provide extra benefits for the members, and mutual companies that pay excess profits back to the policy holder in the form of dividends.  Dividends then are the excess profit a mutual company pays.  You will have three options with a company that pays dividends:  You can leave them to accumulate interest, but you may have to pay tax on the interest, you can allow them to buy additional paid up insurance, this is the one I usually recommend.  This helps increase your death benefit thus allowing for inflation.  The third option is using them to reduce premium, thus in some case depending on the dividends paid the dividends will eventually be making your premium payments for you.  Dividends are not guaranteed.]]></description>
		<content:encoded><![CDATA[There are three different types of companies that sell life insurance.  Stock companies, which pay profits to stockholder aft expenses, fraternal's that have a common membership and profits are used to provide extra benefits for the members, and mutual companies that pay excess profits back to the policy holder in the form of dividends.  Dividends then are the excess profit a mutual company pays.  You will have three options with a company that pays dividends:  You can leave them to accumulate interest, but you may have to pay tax on the interest, you can allow them to buy additional paid up insurance, this is the one I usually recommend.  This helps increase your death benefit thus allowing for inflation.  The third option is using them to reduce premium, thus in some case depending on the dividends paid the dividends will eventually be making your premium payments for you.  Dividends are not guaranteed.]]></content:encoded>
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		<title>Answer on How Long Do You Need Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/how-long-do-you-need-life-insurance#answer_2413</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 04 May 2013 10:44:16 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/how-long-do-you-need-life-insurance#answer_2413</guid>
		<description><![CDATA[I always suggest keeping at least enough Life Insurance to cover final expenses.  Even if you have investment money or money set aside you feel is earmarked for your final expenses, with the economy the way it is, you can lose a great deal of your investments in a short period of time.  If your health declines you may be forced to go to a nursing home which will eat up any assets. A properly set up Final Expense Policy can help protect that money by utilizing a Funeral Trust. Life insurance is also protected from lawsuits and creditors.]]></description>
		<content:encoded><![CDATA[I always suggest keeping at least enough Life Insurance to cover final expenses.  Even if you have investment money or money set aside you feel is earmarked for your final expenses, with the economy the way it is, you can lose a great deal of your investments in a short period of time.  If your health declines you may be forced to go to a nursing home which will eat up any assets. A properly set up Final Expense Policy can help protect that money by utilizing a Funeral Trust. Life insurance is also protected from lawsuits and creditors.]]></content:encoded>
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		<title>Answer on What Does Medicare Cover For Assisted Living? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/what-does-medicare-cover-for-assisted-living#answer_2411</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 04 May 2013 10:31:57 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/what-does-medicare-cover-for-assisted-living#answer_2411</guid>
		<description><![CDATA[Medicare does not cover Assisted Living at all.  Medicare is very limited on its long term care benefits.  You can only get assistance if you are hospitalized for three days, not counting day of discharge, and require skilled care.  You can only stay in a nursing home for a maximum of 100 days.  the first 20 days are covered in full as long as you meet the requirements, day 21 through 100 you will have a copay.  You may also quaify from limited rehab services in your home.  If you need assisted living you may qualify for certain veterens benefits if you or your spouse served in the military during a period of war.  Your only other option is Medicaid.  If you have assets see a good elder law attorney or Medicaid planner.  It could save you a large portion of your assets and allow you to get help faster.]]></description>
		<content:encoded><![CDATA[Medicare does not cover Assisted Living at all.  Medicare is very limited on its long term care benefits.  You can only get assistance if you are hospitalized for three days, not counting day of discharge, and require skilled care.  You can only stay in a nursing home for a maximum of 100 days.  the first 20 days are covered in full as long as you meet the requirements, day 21 through 100 you will have a copay.  You may also quaify from limited rehab services in your home.  If you need assisted living you may qualify for certain veterens benefits if you or your spouse served in the military during a period of war.  Your only other option is Medicaid.  If you have assets see a good elder law attorney or Medicaid planner.  It could save you a large portion of your assets and allow you to get help faster.]]></content:encoded>
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		<title>Answer on How Long Can I Keep Medicare? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/how-long-can-i-keep-medicare#answer_2410</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 04 May 2013 10:23:23 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/how-long-can-i-keep-medicare#answer_2410</guid>
		<description><![CDATA[If you are over 65 you keep Medicare until you die unless you move out of the country and give up citizenship.  If you are on Social Security Disability then you keep Medicare as long as you qualify for disability.  You do not lose your Medicare.  Some people confuse Medicare and Medicaid.  They are two different government services.  Medicaid is based on income and assets and you have to qualify each month.]]></description>
		<content:encoded><![CDATA[If you are over 65 you keep Medicare until you die unless you move out of the country and give up citizenship.  If you are on Social Security Disability then you keep Medicare as long as you qualify for disability.  You do not lose your Medicare.  Some people confuse Medicare and Medicaid.  They are two different government services.  Medicaid is based on income and assets and you have to qualify each month.]]></content:encoded>
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		<title>Answer on Can I Enroll In Medicare Part D Anytime? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/can-i-enroll-in-medicare-part-d-anytime#answer_2409</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 04 May 2013 10:18:25 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/can-i-enroll-in-medicare-part-d-anytime#answer_2409</guid>
		<description><![CDATA[As a rule no, you can enroll in Part D when you first become eligible, during the Anual Election Period, or if you have a Special qualifying event such as losing your group coverage or the plan pulls out of the area, or you move out of the service area.  If you qualify for Extra Help with your drugs from Medicare or if you are also on Medicaid you can swithch whenever you want.]]></description>
		<content:encoded><![CDATA[As a rule no, you can enroll in Part D when you first become eligible, during the Anual Election Period, or if you have a Special qualifying event such as losing your group coverage or the plan pulls out of the area, or you move out of the service area.  If you qualify for Extra Help with your drugs from Medicare or if you are also on Medicaid you can swithch whenever you want.]]></content:encoded>
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		<title>Answer on Can An 80 Year Old Get Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/can-an-80-year-old-get-life-insurance#answer_2209</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 02 May 2013 11:20:35 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/can-an-80-year-old-get-life-insurance#answer_2209</guid>
		<description><![CDATA[Yes, many companies allow you to purchase life insurance to age 85.  Depending on your health the premiums will vary.  Some may have a graded death benefit, meaning that your beneficiary would receive a reduced amount during the first 2 or 3 years the policy is in force.]]></description>
		<content:encoded><![CDATA[Yes, many companies allow you to purchase life insurance to age 85.  Depending on your health the premiums will vary.  Some may have a graded death benefit, meaning that your beneficiary would receive a reduced amount during the first 2 or 3 years the policy is in force.]]></content:encoded>
	</item>
	<item>
		<title>Answer on Can I Transfer My Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/can-i-transfer-my-life-insurance#answer_2208</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 02 May 2013 11:17:16 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/can-i-transfer-my-life-insurance#answer_2208</guid>
		<description><![CDATA[If you mean transfer the death benefit to another individual the answer is no.  Life insurance is written on the individual based on their age and health.  If you mean transfer ownership of a policy on your life to another individual or trust, then the answer is yes.]]></description>
		<content:encoded><![CDATA[If you mean transfer the death benefit to another individual the answer is no.  Life insurance is written on the individual based on their age and health.  If you mean transfer ownership of a policy on your life to another individual or trust, then the answer is yes.]]></content:encoded>
	</item>
	<item>
		<title>Answer on Does Permanent Life Insurance Make Sense? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/does-permanent-life-insurance-make-sense#answer_2206</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 02 May 2013 11:13:32 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/does-permanent-life-insurance-make-sense#answer_2206</guid>
		<description><![CDATA[I strongly believe it does for most people.  While you pay more for permanent insurance initially, in later years you will be paying far less than if you buy term and keep renewing it every term period.  Most people are living well into their 80&#039;s and 90&#039;s.  If you can even find a policy that would renew to those ages, the premium would be extremely high.  This is because term insurance premium go up with each renewal, permanent insurance premiums stay level.  Permanent insurance also has what is called non-forfeiture options.  This utilizes the cash value in the policy to help keep it in force should an illness or financial setback make premium payments unaffordable.  You do not have those options with term insurance.]]></description>
		<content:encoded><![CDATA[I strongly believe it does for most people.  While you pay more for permanent insurance initially, in later years you will be paying far less than if you buy term and keep renewing it every term period.  Most people are living well into their 80's and 90's.  If you can even find a policy that would renew to those ages, the premium would be extremely high.  This is because term insurance premium go up with each renewal, permanent insurance premiums stay level.  Permanent insurance also has what is called non-forfeiture options.  This utilizes the cash value in the policy to help keep it in force should an illness or financial setback make premium payments unaffordable.  You do not have those options with term insurance.]]></content:encoded>
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	<item>
		<title>Answer on Can I Buy Life Insurance For My Father? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/can-i-buy-life-insurance-for-my-father#answer_2204</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 02 May 2013 11:06:24 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/can-i-buy-life-insurance-for-my-father#answer_2204</guid>
		<description><![CDATA[As long as he consents and can qualify, yes you can.  He would need to sign the application.  You would be listed as the Owner and Premium Payer.  He would have to meet any health requirements the plan may have.  You can own a life insurance policy on anyone as long as you have an insurable interest, in other words you need to have some possible financial loss on the death of the individual.]]></description>
		<content:encoded><![CDATA[As long as he consents and can qualify, yes you can.  He would need to sign the application.  You would be listed as the Owner and Premium Payer.  He would have to meet any health requirements the plan may have.  You can own a life insurance policy on anyone as long as you have an insurable interest, in other words you need to have some possible financial loss on the death of the individual.]]></content:encoded>
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	<item>
		<title>Answer on Can A 75 Year Old Get Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/can-a-75-year-old-get-life-insurance#answer_2074</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 01 May 2013 10:46:03 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/can-a-75-year-old-get-life-insurance#answer_2074</guid>
		<description><![CDATA[Yes, I have companies that will issue policies up to age 85.  I even know of plans that have no health questions.  You have to pay more, but if your health is bad, they can be of help unless you are terminal and die within 2 or 3 years, in which case you will only get a percentage of the death benefit.  If you are in reasonably good health, their are simplified issue plans that will pay the death benefit with no waiting period.]]></description>
		<content:encoded><![CDATA[Yes, I have companies that will issue policies up to age 85.  I even know of plans that have no health questions.  You have to pay more, but if your health is bad, they can be of help unless you are terminal and die within 2 or 3 years, in which case you will only get a percentage of the death benefit.  If you are in reasonably good health, their are simplified issue plans that will pay the death benefit with no waiting period.]]></content:encoded>
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		<title>Answer on Can You Have Two Term Life Insurance Policies? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/can-you-have-two-term-life-insurance-policies#answer_2070</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 01 May 2013 10:36:38 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/can-you-have-two-term-life-insurance-policies#answer_2070</guid>
		<description><![CDATA[You can have as many life insurance policies as you want, term or whole life, as long as you can afford the premium.  Many people start out with a policy they can afford and later take out additional insurance as their need for more insurance changes and they can afford more.]]></description>
		<content:encoded><![CDATA[You can have as many life insurance policies as you want, term or whole life, as long as you can afford the premium.  Many people start out with a policy they can afford and later take out additional insurance as their need for more insurance changes and they can afford more.]]></content:encoded>
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		<title>Answer on What Is Medicare Part B Fee Schedule? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/what-is-medicare-part-b-fee-schedule#answer_1949</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 30 Apr 2013 11:44:59 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/what-is-medicare-part-b-fee-schedule#answer_1949</guid>
		<description><![CDATA[Medicare Part B schedule is the amount Medicare will pay a provider for a covered procedure.  For example, a certain surgery may cost $1000 but Medicare will only approve $500 on that particular surgery.  You are responsible for 20% of the Medicare approved amount, Medicare pays 80%.  You will receive an explanation of benefits from Medicare showing the approved amount and what your responsibility would be, based upon the fee schedule.]]></description>
		<content:encoded><![CDATA[Medicare Part B schedule is the amount Medicare will pay a provider for a covered procedure.  For example, a certain surgery may cost $1000 but Medicare will only approve $500 on that particular surgery.  You are responsible for 20% of the Medicare approved amount, Medicare pays 80%.  You will receive an explanation of benefits from Medicare showing the approved amount and what your responsibility would be, based upon the fee schedule.]]></content:encoded>
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		<title>Answer on Is Medicare Advantage Or Medigap Better? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/is-medicare-advantage-or-medigap-better#answer_1944</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 30 Apr 2013 11:31:52 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/is-medicare-advantage-or-medigap-better#answer_1944</guid>
		<description><![CDATA[If you can afford a Medigap (or Medicare Supplement) then I recommend the Supplement.  You do not have to worry about networks of doctors and the potential out of pocket costs will be less if you are hospitalized.  A medicare Advantage Plan is good for those on a fixed income.  There are 0 premium plans available that provide very good coverage.  The drawbacks would be that you have to stay in network to receive full benefit, you have copays and deductibles, and your out of pocket exposure will be higher than if you have a Medicare Supplement and are hospitalized.  If you never have to use your plan then a Medicare Advantage is good because of the low or no premium.  If you want litte to no out of pocket if you go to a hospital or have to use your plan then the Medicare Supplement is the way to go.  Everything depends on your personal situation.  What is good for you may not be good for your neighbor.  Consult a good experienced agent who can provide both options.]]></description>
		<content:encoded><![CDATA[If you can afford a Medigap (or Medicare Supplement) then I recommend the Supplement.  You do not have to worry about networks of doctors and the potential out of pocket costs will be less if you are hospitalized.  A medicare Advantage Plan is good for those on a fixed income.  There are 0 premium plans available that provide very good coverage.  The drawbacks would be that you have to stay in network to receive full benefit, you have copays and deductibles, and your out of pocket exposure will be higher than if you have a Medicare Supplement and are hospitalized.  If you never have to use your plan then a Medicare Advantage is good because of the low or no premium.  If you want litte to no out of pocket if you go to a hospital or have to use your plan then the Medicare Supplement is the way to go.  Everything depends on your personal situation.  What is good for you may not be good for your neighbor.  Consult a good experienced agent who can provide both options.]]></content:encoded>
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		<title>Answer on How Is Life Insurance Paid Out? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/how-is-life-insurance-paid-out#answer_1942</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 30 Apr 2013 11:21:18 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/how-is-life-insurance-paid-out#answer_1942</guid>
		<description><![CDATA[Life Insurance can be paid out in a number of ways.  You can receive the money in a lump sum or you can take the money in equal installments over a period of time.  I usually recommend taking the money in a lump sum and, if not needed right away, investing the money in a safe vehicle, such as an indexed annuity.  It all depends on the circumstances.  A good agent will help you sort through your options.]]></description>
		<content:encoded><![CDATA[Life Insurance can be paid out in a number of ways.  You can receive the money in a lump sum or you can take the money in equal installments over a period of time.  I usually recommend taking the money in a lump sum and, if not needed right away, investing the money in a safe vehicle, such as an indexed annuity.  It all depends on the circumstances.  A good agent will help you sort through your options.]]></content:encoded>
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		<title>Answer on Is Medicare At Risk? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/is-medicare-at-risk#answer_1939</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 30 Apr 2013 11:08:53 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/is-medicare-at-risk#answer_1939</guid>
		<description><![CDATA[Not at this time.  Medicare could face some changes down the road however.  Do not let the political scare tactics of either party cause you undo concern.  At the same time it is good to keep informed of any changes and if you disagree with those changes then contact your congressman.]]></description>
		<content:encoded><![CDATA[Not at this time.  Medicare could face some changes down the road however.  Do not let the political scare tactics of either party cause you undo concern.  At the same time it is good to keep informed of any changes and if you disagree with those changes then contact your congressman.]]></content:encoded>
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		<title>Answer on Who Is Medicare Administered By? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/who-is-medicare-administered-by#answer_1937</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 30 Apr 2013 11:04:41 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/who-is-medicare-administered-by#answer_1937</guid>
		<description><![CDATA[Medicare is administered by the Center for Medicare and Medicaid Services (CMMS).  This is a division of Social Security charged with setting the rules and guidelines of Medicare and Medicare related matters.  Original Medicare, Medicare Advantage Plans, and Medicare Prescription Drug Plans fall under this umbrella.  If you are in original Medicare then Medicare will pay any claims.  If you select a Medicare Advantage Plan, then Medicare pays the insurance company to administer the claims.]]></description>
		<content:encoded><![CDATA[Medicare is administered by the Center for Medicare and Medicaid Services (CMMS).  This is a division of Social Security charged with setting the rules and guidelines of Medicare and Medicare related matters.  Original Medicare, Medicare Advantage Plans, and Medicare Prescription Drug Plans fall under this umbrella.  If you are in original Medicare then Medicare will pay any claims.  If you select a Medicare Advantage Plan, then Medicare pays the insurance company to administer the claims.]]></content:encoded>
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		<title>Answer on What Happens If Life Insurance Beneficiary Is A Minor? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-happens-if-life-insurance-beneficiary-is-a-minor#answer_1936</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 30 Apr 2013 10:59:57 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-happens-if-life-insurance-beneficiary-is-a-minor#answer_1936</guid>
		<description><![CDATA[If a beneficiary is a minor the money would be placed in a trust until the child reaches 18, in most cases.  I do not recommend leaving life insurance proceeds to a minor child.  It would be better to either establish a trust or leave it to a trusted family member with instructions that the money be set aside and used for the child.  A trust would be the safest way because you can spell out how the children receive the money.]]></description>
		<content:encoded><![CDATA[If a beneficiary is a minor the money would be placed in a trust until the child reaches 18, in most cases.  I do not recommend leaving life insurance proceeds to a minor child.  It would be better to either establish a trust or leave it to a trusted family member with instructions that the money be set aside and used for the child.  A trust would be the safest way because you can spell out how the children receive the money.]]></content:encoded>
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		<title>Answer on What Does Medicare Plan F Cover? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/what-does-medicare-plan-f-cover#answer_1934</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 30 Apr 2013 10:54:48 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/what-does-medicare-plan-f-cover#answer_1934</guid>
		<description><![CDATA[Plan F is a Medicare Supplement many refer to as the &quot;Cadillac&quot; plan.  It covers virtually 100% of all charges approved by Medicare (other than prescriptions).  In addition it will cover excess charges.  In many states doctors are allowed to charge up to 15% above the Medicare approved amount.  Plan F covers this additional charge.]]></description>
		<content:encoded><![CDATA[Plan F is a Medicare Supplement many refer to as the "Cadillac" plan.  It covers virtually 100% of all charges approved by Medicare (other than prescriptions).  In addition it will cover excess charges.  In many states doctors are allowed to charge up to 15% above the Medicare approved amount.  Plan F covers this additional charge.]]></content:encoded>
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		<title>Answer on What Is The Difference Between Life Assurance And Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-is-the-difference-between-life-assurance-and-life-insurance#answer_1933</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 30 Apr 2013 10:51:04 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-is-the-difference-between-life-assurance-and-life-insurance#answer_1933</guid>
		<description><![CDATA[It is just terminology, there is no real difference.  Some companies like to use the word assurance because they feel it promotes a better image of the product.  It all falls under the umbrella of insurance, they pay at the death of the insured and may build cash value.  Don&#039;t get confused with marketing terminology.]]></description>
		<content:encoded><![CDATA[It is just terminology, there is no real difference.  Some companies like to use the word assurance because they feel it promotes a better image of the product.  It all falls under the umbrella of insurance, they pay at the death of the insured and may build cash value.  Don't get confused with marketing terminology.]]></content:encoded>
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		<title>Answer on Why Get Life Insurance At A Young Age? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/why-get-life-insurance-at-a-young-age#answer_1930</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 30 Apr 2013 10:39:01 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/why-get-life-insurance-at-a-young-age#answer_1930</guid>
		<description><![CDATA[The younger you are, the less expensive it will be.  I like to commend a policy to cover final expenses, at least.  The last thing a grieving parent needs is to figure out how to come up with money to pay for a funeral.  Losing a child is one of the worst things that could ever happen to someone.  Also, the cash value in the policy can help start a nice savings at the same time.]]></description>
		<content:encoded><![CDATA[The younger you are, the less expensive it will be.  I like to commend a policy to cover final expenses, at least.  The last thing a grieving parent needs is to figure out how to come up with money to pay for a funeral.  Losing a child is one of the worst things that could ever happen to someone.  Also, the cash value in the policy can help start a nice savings at the same time.]]></content:encoded>
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		<title>Answer on When Does A Health Insurance Deductible Reset? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/when-does-a-health-insurance-deductible-reset#answer_1929</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 30 Apr 2013 10:34:56 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/when-does-a-health-insurance-deductible-reset#answer_1929</guid>
		<description><![CDATA[Most individual health policies go by calender year.  Some companies offer a feature that allows any part of your deductible satisfied in the last 3 months of the year to roll over to the following year.  It is important to know what your policy offers, since there could be some variation depending on your policy.]]></description>
		<content:encoded><![CDATA[Most individual health policies go by calender year.  Some companies offer a feature that allows any part of your deductible satisfied in the last 3 months of the year to roll over to the following year.  It is important to know what your policy offers, since there could be some variation depending on your policy.]]></content:encoded>
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		<title>Answer on Will I Automatically Be Enrolled In Medicare When I 65? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/will-i-automatically-be-enrolled-in-medicare-when-i-65#answer_1908</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 29 Apr 2013 21:28:13 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/will-i-automatically-be-enrolled-in-medicare-when-i-65#answer_1908</guid>
		<description><![CDATA[If you have met the work requirements then yes, you are automatically enrolled in most cases.  If you do not receive your Medicare card before turning 65 then make sure you call your Social Security office or Medicare.  Once you turn 65 you will have to pick up a prescription drug plan along with your Medicare Parts A &#038; B.  Do not fail to enroll in a prescription drug plan when you are first eligible and do not opt out of Medicare Part B.  If you do, there are penalties imposed by Medicare.]]></description>
		<content:encoded><![CDATA[If you have met the work requirements then yes, you are automatically enrolled in most cases.  If you do not receive your Medicare card before turning 65 then make sure you call your Social Security office or Medicare.  Once you turn 65 you will have to pick up a prescription drug plan along with your Medicare Parts A &amp; B.  Do not fail to enroll in a prescription drug plan when you are first eligible and do not opt out of Medicare Part B.  If you do, there are penalties imposed by Medicare.]]></content:encoded>
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		<title>Answer on How Do I Know If I&#8217;m Eligible For Medicare? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/how-do-i-know-if-im-eligible-for-medicare#answer_1907</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 29 Apr 2013 21:23:29 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/how-do-i-know-if-im-eligible-for-medicare#answer_1907</guid>
		<description><![CDATA[Don&#039;t confuse Medicare with Medicaid.  Medicare as has been stated is an almost automatic eligibility when you turn 65 or are on Social Security Disability.  Medicaid is something you have to qualify for.  Many people get the two confused.  You qualify for Medicaid if you meet certain income and asset requirements.  If you are low income, call your Social Security office or the Department of Human Services and ask how to apply.  Even if you are not eligible for full Medicaid, there may be other help available, such as extra help with prescription costs.]]></description>
		<content:encoded><![CDATA[Don't confuse Medicare with Medicaid.  Medicare as has been stated is an almost automatic eligibility when you turn 65 or are on Social Security Disability.  Medicaid is something you have to qualify for.  Many people get the two confused.  You qualify for Medicaid if you meet certain income and asset requirements.  If you are low income, call your Social Security office or the Department of Human Services and ask how to apply.  Even if you are not eligible for full Medicaid, there may be other help available, such as extra help with prescription costs.]]></content:encoded>
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		<title>Answer on How Many Life Insurance Policies Can A Person Have? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/how-many-life-insurance-policies-can-a-person-have#answer_1843</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 29 Apr 2013 11:21:55 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/how-many-life-insurance-policies-can-a-person-have#answer_1843</guid>
		<description><![CDATA[You can have as many as you want or can afford as long as the total amount of inurance is deemed reasonable by the issueing companies.  A single person making $15,000 a year may have a heard time convincing the insurance company he has a need or can afford $10,000,000 in life insurance.  Otherwise there are no rules governing how many policies you can have]]></description>
		<content:encoded><![CDATA[You can have as many as you want or can afford as long as the total amount of inurance is deemed reasonable by the issueing companies.  A single person making $15,000 a year may have a heard time convincing the insurance company he has a need or can afford $10,000,000 in life insurance.  Otherwise there are no rules governing how many policies you can have]]></content:encoded>
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		<title>Answer on Does Homeowners Insurance Cover Water Damage From Dishwasher? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/does-homeowners-insurance-cover-water-damage-from-dishwasher#answer_1842</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 29 Apr 2013 11:17:01 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/does-homeowners-insurance-cover-water-damage-from-dishwasher#answer_1842</guid>
		<description><![CDATA[No, there would be no coverage unless the water damage was caused by a covered peril such as freezing pipes that are not due to the negligence of the homeowner.  Check with your agent for the specifics of your policy.  Even if there were coverage, you need to determine if it will be worth turning in a claim by the time you pay your deductible.  In most cases it probably would not.]]></description>
		<content:encoded><![CDATA[No, there would be no coverage unless the water damage was caused by a covered peril such as freezing pipes that are not due to the negligence of the homeowner.  Check with your agent for the specifics of your policy.  Even if there were coverage, you need to determine if it will be worth turning in a claim by the time you pay your deductible.  In most cases it probably would not.]]></content:encoded>
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	<item>
		<title>Answer on How To Get Part B Medicare? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/how-to-get-part-b-medicare#answer_1841</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 29 Apr 2013 11:12:05 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/how-to-get-part-b-medicare#answer_1841</guid>
		<description><![CDATA[When you qualify for Medicare you are usually automatically signed up for part B.  You will receive a letter from Medicare allowing you to opt out.  Unless you are still covered under a group plan or other creditable coverage, do not opt out.  You will be penalized by Medicare each year you do not enroll in Part B, which could cost you a lot of money over the years.]]></description>
		<content:encoded><![CDATA[When you qualify for Medicare you are usually automatically signed up for part B.  You will receive a letter from Medicare allowing you to opt out.  Unless you are still covered under a group plan or other creditable coverage, do not opt out.  You will be penalized by Medicare each year you do not enroll in Part B, which could cost you a lot of money over the years.]]></content:encoded>
	</item>
	<item>
		<title>Answer on What To Look For When Buying Term Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-to-look-for-when-buying-term-life-insurance#answer_1837</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 29 Apr 2013 11:01:09 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-to-look-for-when-buying-term-life-insurance#answer_1837</guid>
		<description><![CDATA[Term insurance comes with many option.  First, consider the reason for buying the insurance and find a product that meets that need.  If you are covering a mortgage for example you might want to consider a 20 or 30 year term policy.  There are two options here.  Decreasing or Mortgage term or level term.  I prefer level term due to the fact that many people do not remain in the same home for the life of the mortgage any more.  There are policies that will add mortgage disability and Return of Premium. 
Next, how long will I need this coverage, 1 year, 5 years, ten years?  Also, what is my budget?  With term insurance the shorter the term the less the initial premium, so a on year term will be less than a 20 year term, at least initially.  Every time the policy renews, the premium will increase.  Is the policy renewable and convertible.  Renewable means that you can renew the policy at the end of the term even if your health gets bad.  Convertible means that you can convert the policy, or part of the policy to a whole life plan, regardless of health.  If you need to keep the insurance for a lengthy period of time I highly recommend a policy that is renewable and convertible.  A good agent can help you determine your best choice for your individual situation.
 ]]></description>
		<content:encoded><![CDATA[Term insurance comes with many option.  First, consider the reason for buying the insurance and find a product that meets that need.  If you are covering a mortgage for example you might want to consider a 20 or 30 year term policy.  There are two options here.  Decreasing or Mortgage term or level term.  I prefer level term due to the fact that many people do not remain in the same home for the life of the mortgage any more.  There are policies that will add mortgage disability and Return of Premium. 
Next, how long will I need this coverage, 1 year, 5 years, ten years?  Also, what is my budget?  With term insurance the shorter the term the less the initial premium, so a on year term will be less than a 20 year term, at least initially.  Every time the policy renews, the premium will increase.  Is the policy renewable and convertible.  Renewable means that you can renew the policy at the end of the term even if your health gets bad.  Convertible means that you can convert the policy, or part of the policy to a whole life plan, regardless of health.  If you need to keep the insurance for a lengthy period of time I highly recommend a policy that is renewable and convertible.  A good agent can help you determine your best choice for your individual situation.
 ]]></content:encoded>
	</item>
	<item>
		<title>Answer on Can Life Insurance Be Paid To A Minor? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/can-life-insurance-be-paid-to-a-minor#answer_1836</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 29 Apr 2013 10:47:15 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/can-life-insurance-be-paid-to-a-minor#answer_1836</guid>
		<description><![CDATA[Gener4ally if a minor is involved it is best to have life insureds proceeds held in a trust until the child&#039;s 18th birthday.  There may be exceptions to this depending on the circumstances.  I generally do not recommend making a minor the beneficiarry of a policy because of the complications involved.]]></description>
		<content:encoded><![CDATA[Gener4ally if a minor is involved it is best to have life insureds proceeds held in a trust until the child's 18th birthday.  There may be exceptions to this depending on the circumstances.  I generally do not recommend making a minor the beneficiarry of a policy because of the complications involved.]]></content:encoded>
	</item>
	<item>
		<title>Answer on Does Renters Insurance Protect A Landlord? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/renters-insurance/does-renters-insurance-protect-a-landlord#answer_1780</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 28 Apr 2013 11:32:07 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/renters-insurance/does-renters-insurance-protect-a-landlord#answer_1780</guid>
		<description><![CDATA[Renters insurance protects the landlord in the sense that it can provide extra liability protection  A renters policy is taken out by the renter to cover the renters possessions.  It does not cover the dwelling or items owned by the landlord.  If however a renter is negligent and someone is injured on the property, the renters insurance will provide protection from lawsuit.]]></description>
		<content:encoded><![CDATA[Renters insurance protects the landlord in the sense that it can provide extra liability protection  A renters policy is taken out by the renter to cover the renters possessions.  It does not cover the dwelling or items owned by the landlord.  If however a renter is negligent and someone is injured on the property, the renters insurance will provide protection from lawsuit.]]></content:encoded>
	</item>
	<item>
		<title>Answer on What Does A Life Insurance Medical Exam Consist Of? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-does-a-life-insurance-medical-exam-consist-of#answer_1777</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 28 Apr 2013 11:14:51 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-does-a-life-insurance-medical-exam-consist-of#answer_1777</guid>
		<description><![CDATA[It depends on the amount of insurance applied for and age of applicant.  In most cases a paramedic would do height, weight, blood pressure, and blood and urine.  If the size of the policy warrant it, they may do a stress test, but this is not the average.  The examiner would also do a medical history.]]></description>
		<content:encoded><![CDATA[It depends on the amount of insurance applied for and age of applicant.  In most cases a paramedic would do height, weight, blood pressure, and blood and urine.  If the size of the policy warrant it, they may do a stress test, but this is not the average.  The examiner would also do a medical history.]]></content:encoded>
	</item>
	<item>
		<title>Answer on Does Auto Insurance Pay Lost Wages? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/does-auto-insurance-pay-lost-wages#answer_1776</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 28 Apr 2013 11:09:43 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/does-auto-insurance-pay-lost-wages#answer_1776</guid>
		<description><![CDATA[If you are injured as a result of an accident that was the fault of the other driver then you could be entitled to lost wages as part of the settlement.  Your attorney would take this in consideration when making the settlement, depending on the nature of the injury and the circumstances involved.]]></description>
		<content:encoded><![CDATA[If you are injured as a result of an accident that was the fault of the other driver then you could be entitled to lost wages as part of the settlement.  Your attorney would take this in consideration when making the settlement, depending on the nature of the injury and the circumstances involved.]]></content:encoded>
	</item>
	<item>
		<title>Answer on Does Home Insurance Cover Death? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/does-home-insurance-cover-death#answer_1774</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 28 Apr 2013 11:01:44 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/does-home-insurance-cover-death#answer_1774</guid>
		<description><![CDATA[Home Insurance is not life insurance.  If someone on your property or in your house is killed due to an injury and you are sued you would be covered under the liability portion of your policy up to the limits of the liability.  I recommend at least $300,000 liability limits for the average homeowner.  If you are in an upper income and have a lot of assets than at least a million or more based on your circumstances.  Consult with a good local agent to determine the coverage best for you.]]></description>
		<content:encoded><![CDATA[Home Insurance is not life insurance.  If someone on your property or in your house is killed due to an injury and you are sued you would be covered under the liability portion of your policy up to the limits of the liability.  I recommend at least $300,000 liability limits for the average homeowner.  If you are in an upper income and have a lot of assets than at least a million or more based on your circumstances.  Consult with a good local agent to determine the coverage best for you.]]></content:encoded>
	</item>
	<item>
		<title>Answer on Do Life Insurance Proceeds Go Into Estate? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/do-life-insurance-proceeds-go-into-estate#answer_1737</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 27 Apr 2013 10:33:20 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/do-life-insurance-proceeds-go-into-estate#answer_1737</guid>
		<description><![CDATA[Life insurance will only go into the estate if the named beneficiaries are deceased and the beneficiaries were not changed or if the estate is the named beneficiary.  It is important to review your policies to make sure they are properly set up.  I have ran into occasions for example where a husband and wife die close together and didn&#039;t have time to change the beneficiary.  If a contingent beneficiary had been named, that beneficiary would have received the money.  Because no contingent beneficiary was named the money went to the estate. ]]></description>
		<content:encoded><![CDATA[Life insurance will only go into the estate if the named beneficiaries are deceased and the beneficiaries were not changed or if the estate is the named beneficiary.  It is important to review your policies to make sure they are properly set up.  I have ran into occasions for example where a husband and wife die close together and didn't have time to change the beneficiary.  If a contingent beneficiary had been named, that beneficiary would have received the money.  Because no contingent beneficiary was named the money went to the estate. ]]></content:encoded>
	</item>
	<item>
		<title>Answer on Do I Need Vacant Home Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/do-i-need-vacant-home-insurance#answer_1698</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 26 Apr 2013 11:18:38 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/do-i-need-vacant-home-insurance#answer_1698</guid>
		<description><![CDATA[Yes, if you own a home that is vacant you can still be held liability for damage to the home and liability.  For example, if that home catches fire and causes damage to a neighbors house, if someone gets hurt on the property etc.  If there is a mortgage on the home the bank will require insurance.  While you are not required by law to have insurance on a vacant home, you leave yourself open for major lawsuit if you do not cover it.
 ]]></description>
		<content:encoded><![CDATA[Yes, if you own a home that is vacant you can still be held liability for damage to the home and liability.  For example, if that home catches fire and causes damage to a neighbors house, if someone gets hurt on the property etc.  If there is a mortgage on the home the bank will require insurance.  While you are not required by law to have insurance on a vacant home, you leave yourself open for major lawsuit if you do not cover it.
 ]]></content:encoded>
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	<item>
		<title>Answer on Does Home Owners Insurance Cover Above Ground Pools? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/does-home-owners-insurance-cover-above-ground-pools#answer_1697</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 26 Apr 2013 11:14:32 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/does-home-owners-insurance-cover-above-ground-pools#answer_1697</guid>
		<description><![CDATA[Yes in most cases unless specifically included in the policy.  They would be covered for liability if a neighbor is hurt in or around your pool, and also for various named perils, a tree limb falls on it for example.  It will not cover maintenance and normal wear and tear.
 ]]></description>
		<content:encoded><![CDATA[Yes in most cases unless specifically included in the policy.  They would be covered for liability if a neighbor is hurt in or around your pool, and also for various named perils, a tree limb falls on it for example.  It will not cover maintenance and normal wear and tear.
 ]]></content:encoded>
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	<item>
		<title>Answer on What Information Do I Need For A Home Insurance Quote? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/what-information-do-i-need-for-a-home-insurance-quote#answer_1696</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 26 Apr 2013 11:11:29 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/what-information-do-i-need-for-a-home-insurance-quote#answer_1696</guid>
		<description><![CDATA[You will need the address of the property, Social Security number, basic information about the house such as ranch, two story, approximate age, has the wiring plumbing heating been updated if the house is older.  Much of the information can be retrieved from the county auditors website by the agent.  He will probably want to know if you have a dog and what type since some companies restrict certain breeds.  If there is a pool, what type and is it fenced?  Some of this may not be absolutely essential for a generalized quote but if you want your independent insurance agent to be able to give you his best rate, the more information he has helps because he can shop the companies he represents.  Your quoting agent can tell you the exact information he needs.]]></description>
		<content:encoded><![CDATA[You will need the address of the property, Social Security number, basic information about the house such as ranch, two story, approximate age, has the wiring plumbing heating been updated if the house is older.  Much of the information can be retrieved from the county auditors website by the agent.  He will probably want to know if you have a dog and what type since some companies restrict certain breeds.  If there is a pool, what type and is it fenced?  Some of this may not be absolutely essential for a generalized quote but if you want your independent insurance agent to be able to give you his best rate, the more information he has helps because he can shop the companies he represents.  Your quoting agent can tell you the exact information he needs.]]></content:encoded>
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		<title>Answer on Does Life Insurance Pay Debts? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/does-life-insurance-pay-debts#answer_1695</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 26 Apr 2013 11:00:59 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/does-life-insurance-pay-debts#answer_1695</guid>
		<description><![CDATA[Life insurance can be used to pay debts, final expenses, pay for college, whatever you want it to cover.  It just depends on why you took out the policy, who the beneficiary is, what the beneficiary wants to do with the money etc.  It generally will not automatically pay the debt unless the credit holder is the named beneficiary.  Life insurance proceeds are protected from probate and creditors unless the estate is the named beneficiary.
 ]]></description>
		<content:encoded><![CDATA[Life insurance can be used to pay debts, final expenses, pay for college, whatever you want it to cover.  It just depends on why you took out the policy, who the beneficiary is, what the beneficiary wants to do with the money etc.  It generally will not automatically pay the debt unless the credit holder is the named beneficiary.  Life insurance proceeds are protected from probate and creditors unless the estate is the named beneficiary.
 ]]></content:encoded>
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		<title>Answer on How Does A Life Insurance Trust Work? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/how-does-a-life-insurance-trust-work#answer_1651</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 25 Apr 2013 11:16:32 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/how-does-a-life-insurance-trust-work#answer_1651</guid>
		<description><![CDATA[Generally speaking a life insurance policy is used to fund the trust.  The trust spells out the conditions upon which the money can be paid out.  For exam a Funeral Trust uses a life insurance policy that uses the trust as the beneficiary.  The terms of the trust state that the funds can only be used to pay for matters related to final expenses.  The life insurance policy is just the funding vehicle, the trust is the legal document specifying how those funds are used.
 ]]></description>
		<content:encoded><![CDATA[Generally speaking a life insurance policy is used to fund the trust.  The trust spells out the conditions upon which the money can be paid out.  For exam a Funeral Trust uses a life insurance policy that uses the trust as the beneficiary.  The terms of the trust state that the funds can only be used to pay for matters related to final expenses.  The life insurance policy is just the funding vehicle, the trust is the legal document specifying how those funds are used.
 ]]></content:encoded>
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		<title>Answer on When Can I Enroll In Medicare Part A? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/when-can-i-enroll-in-medicare-part-a#answer_1649</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 25 Apr 2013 11:04:44 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/when-can-i-enroll-in-medicare-part-a#answer_1649</guid>
		<description><![CDATA[You will automatically be enrolled in Medicare when you reach age 65 provided you have worked long enough and paid into the system.  You will have the choice to opt out of part B of Medicare, but I do not recommend it unless you are still working and in a group.  You will also get Medicare if you are on Social Security Disability.  There is about a two year wait when you get disability before you are eligible.
 ]]></description>
		<content:encoded><![CDATA[You will automatically be enrolled in Medicare when you reach age 65 provided you have worked long enough and paid into the system.  You will have the choice to opt out of part B of Medicare, but I do not recommend it unless you are still working and in a group.  You will also get Medicare if you are on Social Security Disability.  There is about a two year wait when you get disability before you are eligible.
 ]]></content:encoded>
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		<title>Answer on Does Term Life Insurance Have Cash Value? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/does-term-life-insurance-have-cash-value#answer_1645</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 25 Apr 2013 10:51:46 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/does-term-life-insurance-have-cash-value#answer_1645</guid>
		<description><![CDATA[No, term life is pure insurance.  I compare it to renting an apartment.  You live there but you have no equity.  Term is good for a young family with a large insurance need.  It can help pay a mortgage or other debts if you die prematurely.  Term insurance is generally lower priced than whole life, initially, but when you look at the costs over time a whole life policy is far less expensive and will be available when you are likely to need it most.  I always recommend a combination of whole life and term depending on the needs of my clients.]]></description>
		<content:encoded><![CDATA[No, term life is pure insurance.  I compare it to renting an apartment.  You live there but you have no equity.  Term is good for a young family with a large insurance need.  It can help pay a mortgage or other debts if you die prematurely.  Term insurance is generally lower priced than whole life, initially, but when you look at the costs over time a whole life policy is far less expensive and will be available when you are likely to need it most.  I always recommend a combination of whole life and term depending on the needs of my clients.]]></content:encoded>
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		<title>Answer on Why Does Health Insurance Cost So Much? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/why-does-health-insurance-cost-so-much#answer_1642</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 25 Apr 2013 10:33:54 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/why-does-health-insurance-cost-so-much#answer_1642</guid>
		<description><![CDATA[The simple answer to this is the high cost of health care and prescription drugs.  Insurance companies are forced to maintain a very small profit margin by law, and any rate increases must be approved by the Department of Insurance.  The PPACA laws are going to make the situation worse for many, unfortunately.  
 ]]></description>
		<content:encoded><![CDATA[The simple answer to this is the high cost of health care and prescription drugs.  Insurance companies are forced to maintain a very small profit margin by law, and any rate increases must be approved by the Department of Insurance.  The PPACA laws are going to make the situation worse for many, unfortunately.  
 ]]></content:encoded>
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		<title>Answer on Does Medicare Automatically Bill Secondary Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/does-medicare-automatically-bill-secondary-insurance#answer_1641</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 25 Apr 2013 10:26:23 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/does-medicare-automatically-bill-secondary-insurance#answer_1641</guid>
		<description><![CDATA[Medicare doesn&#039;t bill insurance at all.  If you have secondary insurance your doctor should bill both Medicare and your secondary insurance.  If he doesn&#039;t then you need to send the bills to the insurance company yourself, but most doctors and hospitals will handle that, you shouldn&#039;t have to.  Most are happy to do so since it helps them get paid faster.
 ]]></description>
		<content:encoded><![CDATA[Medicare doesn't bill insurance at all.  If you have secondary insurance your doctor should bill both Medicare and your secondary insurance.  If he doesn't then you need to send the bills to the insurance company yourself, but most doctors and hospitals will handle that, you shouldn't have to.  Most are happy to do so since it helps them get paid faster.
 ]]></content:encoded>
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		<title>Answer on Does Aflac Have Health Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/does-aflac-have-health-insurance#answer_1640</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 25 Apr 2013 10:22:28 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/does-aflac-have-health-insurance#answer_1640</guid>
		<description><![CDATA[If you are looking for Major Medical then no.  Aflacs policies are good supplements to a major medical plan but I would not rely on them as my only policy.  They pay in addition to other insurance and are designed to help with extra expenses and deductibles but will not come close to paying the whole bill if you are admitted to the hospital.
 ]]></description>
		<content:encoded><![CDATA[If you are looking for Major Medical then no.  Aflacs policies are good supplements to a major medical plan but I would not rely on them as my only policy.  They pay in addition to other insurance and are designed to help with extra expenses and deductibles but will not come close to paying the whole bill if you are admitted to the hospital.
 ]]></content:encoded>
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	<item>
		<title>Answer on What Is Medicare Hmo Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/what-is-medicare-hmo-insurance#answer_1601</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 24 Apr 2013 14:34:22 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/what-is-medicare-hmo-insurance#answer_1601</guid>
		<description><![CDATA[HMO stands for Health Maintenance Organization.  When you are in an HMO you must stay in a network of doctors and health care providers, otherwise you are not covered unless you have an emergency.  When selecting your Medicare Advantage Plan it is crucial that you make sure your doctors and hospitals are in your network.  Also if you travel outside of your area for a few months out of the year, many Ohio residents have homes in Florida, for example and live in Florida during the winter, make sure your plan has a program that will allow you move your network to that state.  United Healthcare and Aetna have such programs.
 ]]></description>
		<content:encoded><![CDATA[HMO stands for Health Maintenance Organization.  When you are in an HMO you must stay in a network of doctors and health care providers, otherwise you are not covered unless you have an emergency.  When selecting your Medicare Advantage Plan it is crucial that you make sure your doctors and hospitals are in your network.  Also if you travel outside of your area for a few months out of the year, many Ohio residents have homes in Florida, for example and live in Florida during the winter, make sure your plan has a program that will allow you move your network to that state.  United Healthcare and Aetna have such programs.
 ]]></content:encoded>
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	<item>
		<title>Answer on How To Shop For Medicare Supplemental Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/how-to-shop-for-medicare-supplemental-insurance#answer_1567</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 24 Apr 2013 11:30:40 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/how-to-shop-for-medicare-supplemental-insurance#answer_1567</guid>
		<description><![CDATA[When shopping for Medicare Supplement do not just go by rates.  Many agents will tell you that all plans are the same and the only difference is rates, and that is true.  However, I have seen many companies go in to an area with rates that are low, only to raise the rates by 30% or more the following year.  Unless you like changing plans every year and you know your health will always be good, this is not necessarily the best way to go.  Look for a company that is competitive, but that has a good history of rate increases, generally less than 10%.  Every agent is getting solicited by companies wanting them to sell their now lowest rate plan.  Find a good local agent who has been around for a while.  I personally like the AARP Med Sup.  It is competitive and has an excellent rate history.  It also uses community rating versus attained age rating.  With attained age, which most companies use, you pay a low rate at first but every year you can count on a rate increase just because you got older, in addition to the rate increase the company has.  With community rating, the rates are equaled over the ages so that you pay a little more at 65 for example but when you are 85 your rates will be lower than if you went with an attained age company.  Also look for an agent that also does Medicare Advantage and Prescription Drug plans.  He will be able to help you decide which would be to your best advantage.
 ]]></description>
		<content:encoded><![CDATA[When shopping for Medicare Supplement do not just go by rates.  Many agents will tell you that all plans are the same and the only difference is rates, and that is true.  However, I have seen many companies go in to an area with rates that are low, only to raise the rates by 30% or more the following year.  Unless you like changing plans every year and you know your health will always be good, this is not necessarily the best way to go.  Look for a company that is competitive, but that has a good history of rate increases, generally less than 10%.  Every agent is getting solicited by companies wanting them to sell their now lowest rate plan.  Find a good local agent who has been around for a while.  I personally like the AARP Med Sup.  It is competitive and has an excellent rate history.  It also uses community rating versus attained age rating.  With attained age, which most companies use, you pay a low rate at first but every year you can count on a rate increase just because you got older, in addition to the rate increase the company has.  With community rating, the rates are equaled over the ages so that you pay a little more at 65 for example but when you are 85 your rates will be lower than if you went with an attained age company.  Also look for an agent that also does Medicare Advantage and Prescription Drug plans.  He will be able to help you decide which would be to your best advantage.
 ]]></content:encoded>
	</item>
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		<title>Answer on What Does Medical Coverage On An Auto Insurance Policy Cover? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/what-does-medical-coverage-on-an-auto-insurance-policy-cover#answer_1514</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 23 Apr 2013 10:40:42 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/what-does-medical-coverage-on-an-auto-insurance-policy-cover#answer_1514</guid>
		<description><![CDATA[Medical coverage covers anyone getting into your car, getting out of your car or in the car if you are involved in an accident and they are hurt.  For example, a person is getting out of your car and falls and breaks an arm; a person hand is caught in a car door and requires medical treatment.  The most common however is when you are involved in an accident.  Anyone in your car is covered up to the medical pay limits on your policy.
 ]]></description>
		<content:encoded><![CDATA[Medical coverage covers anyone getting into your car, getting out of your car or in the car if you are involved in an accident and they are hurt.  For example, a person is getting out of your car and falls and breaks an arm; a person hand is caught in a car door and requires medical treatment.  The most common however is when you are involved in an accident.  Anyone in your car is covered up to the medical pay limits on your policy.
 ]]></content:encoded>
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		<title>Answer on Does Renters Insurance Cover Flood? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/renters-insurance/does-renters-insurance-cover-flood#answer_1513</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 23 Apr 2013 10:36:17 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/renters-insurance/does-renters-insurance-cover-flood#answer_1513</guid>
		<description><![CDATA[To have flood covered by any type of renters or homeowners coverage, you must have a special flood policy.  Your homeowners and renters will cover water damage due to sewer backup, burst pipes, or rain damage from a leaking roof, it will not cover flood.  There is a special Federal Flood Insurance program you can look in to if you live in a flood zone. 
 ]]></description>
		<content:encoded><![CDATA[To have flood covered by any type of renters or homeowners coverage, you must have a special flood policy.  Your homeowners and renters will cover water damage due to sewer backup, burst pipes, or rain damage from a leaking roof, it will not cover flood.  There is a special Federal Flood Insurance program you can look in to if you live in a flood zone. 
 ]]></content:encoded>
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		<title>Answer on How Much Can I Borrow Against My Life Insurance Policy? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/how-much-can-i-borrow-against-my-life-insurance-policy#answer_1512</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 23 Apr 2013 10:31:55 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/how-much-can-i-borrow-against-my-life-insurance-policy#answer_1512</guid>
		<description><![CDATA[Your policy has a loan value spelled out in the policy that is the accumulate cash value less any administrative charges.  The best thing you can do to find the loan value is contact the insurance company customer service and ask them, they will tell you what the loan value is and send you the necessary forms to take a loan should you decide to do so.  It is not always in your best interest to take a loan on a policy.  I usually recommend taking a loan as a last resort.  There are some good strategies that involve taking a loan on a policy but you should discuss that with a good local agent who knows and understands your goals and various financial strategies to help you meet those goals.
 ]]></description>
		<content:encoded><![CDATA[Your policy has a loan value spelled out in the policy that is the accumulate cash value less any administrative charges.  The best thing you can do to find the loan value is contact the insurance company customer service and ask them, they will tell you what the loan value is and send you the necessary forms to take a loan should you decide to do so.  It is not always in your best interest to take a loan on a policy.  I usually recommend taking a loan as a last resort.  There are some good strategies that involve taking a loan on a policy but you should discuss that with a good local agent who knows and understands your goals and various financial strategies to help you meet those goals.
 ]]></content:encoded>
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		<title>Answer on Does Life Insurance Cover Overdose Death? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/does-life-insurance-cover-overdose-death#answer_1498</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 22 Apr 2013 10:31:35 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/does-life-insurance-cover-overdose-death#answer_1498</guid>
		<description><![CDATA[If it is due to an accidental overdose reaction to a prescription drug the policy would pay.  If it is due to an overdose of an illegal drug the company would investigate the history of drug use and if it was found you lied on an application they would probably refuse the claim.  Usually the claim would be refused since it would be hard to prove that the deceased was not taking illegal drugs prior to issue of the policy.  After two years the policy would pay regardless as has been stated.
 ]]></description>
		<content:encoded><![CDATA[If it is due to an accidental overdose reaction to a prescription drug the policy would pay.  If it is due to an overdose of an illegal drug the company would investigate the history of drug use and if it was found you lied on an application they would probably refuse the claim.  Usually the claim would be refused since it would be hard to prove that the deceased was not taking illegal drugs prior to issue of the policy.  After two years the policy would pay regardless as has been stated.
 ]]></content:encoded>
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		<title>Answer on Does Home Insurance Cover Robbery? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/does-home-insurance-cover-robbery#answer_1472</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 21 Apr 2013 11:03:05 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/does-home-insurance-cover-robbery#answer_1472</guid>
		<description><![CDATA[Most home insurance covers theft and robbery, subject to a deductible and certain limitations on various items such as jewelry, computer equipment and firearms.  If you have more of these type of things than your insurance covers talk with your agent and for a small extra premium you can either schedule these items or purchase extended coverage.  Always make sure you take your deductible into consideration before filing a claim.  It may not be worthwhile.]]></description>
		<content:encoded><![CDATA[Most home insurance covers theft and robbery, subject to a deductible and certain limitations on various items such as jewelry, computer equipment and firearms.  If you have more of these type of things than your insurance covers talk with your agent and for a small extra premium you can either schedule these items or purchase extended coverage.  Always make sure you take your deductible into consideration before filing a claim.  It may not be worthwhile.]]></content:encoded>
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		<title>Answer on Why Does Life Insurance Underwriting Take So Long? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/why-does-life-insurance-underwriting-take-so-long#answer_1471</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 21 Apr 2013 10:58:33 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/why-does-life-insurance-underwriting-take-so-long#answer_1471</guid>
		<description><![CDATA[Usually it is because the insurance company is waiting for information.  If your company requests medical reports from the doctor, very often this is not very high on your doctors priority list.  I have had to have many clients call their doctor and request that they get the information to the company as soon as possible.]]></description>
		<content:encoded><![CDATA[Usually it is because the insurance company is waiting for information.  If your company requests medical reports from the doctor, very often this is not very high on your doctors priority list.  I have had to have many clients call their doctor and request that they get the information to the company as soon as possible.]]></content:encoded>
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		<title>Answer on Does Whole Life Insurance Ever Make Sense? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/does-whole-life-insurance-ever-make-sense#answer_1470</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 21 Apr 2013 10:54:49 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/does-whole-life-insurance-ever-make-sense#answer_1470</guid>
		<description><![CDATA[Definitely, despite what some misinformed advisers may tell you.  Whole Life first of all was never designed as an investment.  While it is true you can accumulate more cash by buying term and investing the difference, my experience has shown that in most cases the average person, no matter how well intentioned, fails to keep up with the investment part.  Investments are taxable as well whereas Whole Life is very tax friendly.  I have seen many people in their 70&#039;s and 80&#039;s lose their life savings because of the high cost of long term care.  Without life insurance they would have had nothing to help pay for the final expenses, leaving their families in a financial bind.  For some people the cash value in their life insurance is the only savings they really have.  I always recommend at least enough whole life to pay final expenses, allowing for inflation.  If purchased at a young age it is not that expensive.  After forming your insurance foundation, then you can begin accumulating cash using a combination of term and investments.  Whole life insurance provides an excellent safety net for the average individual.]]></description>
		<content:encoded><![CDATA[Definitely, despite what some misinformed advisers may tell you.  Whole Life first of all was never designed as an investment.  While it is true you can accumulate more cash by buying term and investing the difference, my experience has shown that in most cases the average person, no matter how well intentioned, fails to keep up with the investment part.  Investments are taxable as well whereas Whole Life is very tax friendly.  I have seen many people in their 70's and 80's lose their life savings because of the high cost of long term care.  Without life insurance they would have had nothing to help pay for the final expenses, leaving their families in a financial bind.  For some people the cash value in their life insurance is the only savings they really have.  I always recommend at least enough whole life to pay final expenses, allowing for inflation.  If purchased at a young age it is not that expensive.  After forming your insurance foundation, then you can begin accumulating cash using a combination of term and investments.  Whole life insurance provides an excellent safety net for the average individual.]]></content:encoded>
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		<title>Answer on I Have Health Insurance Do I Need Medicare? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/i-have-health-insurance-do-i-need-medicare#answer_1469</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 21 Apr 2013 10:41:39 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/i-have-health-insurance-do-i-need-medicare#answer_1469</guid>
		<description><![CDATA[If you have group coverage you may not need to pick up Medicare part B right away depending on the size of your group. Medicare coordinates with your health insurance.  For smaller groups it will be primary, for larger groups it would be secondary.  Primary means that Medicare pays first and your health insurance would act like a supplement.  Secondary means that your insurance pays first and Medicare would just help pay any deductibles and copay&#039;s.  You do not need a Medicare supplement if you have group health insurance in most cases. If you have prescriptions covered at work do not pick up a Medicare Advantage plan or prescription drug plan without discussing it with your HR rep.  You could get knocked off your group coverage and not be able to get it back.]]></description>
		<content:encoded><![CDATA[If you have group coverage you may not need to pick up Medicare part B right away depending on the size of your group. Medicare coordinates with your health insurance.  For smaller groups it will be primary, for larger groups it would be secondary.  Primary means that Medicare pays first and your health insurance would act like a supplement.  Secondary means that your insurance pays first and Medicare would just help pay any deductibles and copay's.  You do not need a Medicare supplement if you have group health insurance in most cases. If you have prescriptions covered at work do not pick up a Medicare Advantage plan or prescription drug plan without discussing it with your HR rep.  You could get knocked off your group coverage and not be able to get it back.]]></content:encoded>
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		<title>Answer on Does Auto Insurance Cover Vandalism? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/does-auto-insurance-cover-vandalism#answer_1468</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 21 Apr 2013 10:31:59 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/does-auto-insurance-cover-vandalism#answer_1468</guid>
		<description><![CDATA[If you have full coverage, meaning Collision and Comprehensive, then yes it would cover vandalism.  As with any claim, however, find out how much the repairs will be before turning in the claim unless the damage is extensive.  In the case of vandalism you will need to file an accident report with the police.  This will help prove your claim if you decide to turn it in.  If the damage is close to or below your deductible you may not want to turn in a claim.  If you are unsure call your agent, not the insurance company.]]></description>
		<content:encoded><![CDATA[If you have full coverage, meaning Collision and Comprehensive, then yes it would cover vandalism.  As with any claim, however, find out how much the repairs will be before turning in the claim unless the damage is extensive.  In the case of vandalism you will need to file an accident report with the police.  This will help prove your claim if you decide to turn it in.  If the damage is close to or below your deductible you may not want to turn in a claim.  If you are unsure call your agent, not the insurance company.]]></content:encoded>
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		<title>Answer on How Much Life Insurance Does Someone Need? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/how-much-life-insurance-does-someone-need#answer_1467</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 21 Apr 2013 10:27:35 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/how-much-life-insurance-does-someone-need#answer_1467</guid>
		<description><![CDATA[It depends on age and circumstances.  A young person with a family, mortgage, and other debt will want to carry more insurance than a single person or an older person who has no children to support.  The best thing is to sit down with a good agent who will do a complete evaluation of your situation and help you determine how much life insurance you need and find an affordable way to help fill that need. At a minimum always carry enough insurance to pay for final expenses, pay off debt, and provide an emergency fund for a surviving spouse, usually at least 6 months income.]]></description>
		<content:encoded><![CDATA[It depends on age and circumstances.  A young person with a family, mortgage, and other debt will want to carry more insurance than a single person or an older person who has no children to support.  The best thing is to sit down with a good agent who will do a complete evaluation of your situation and help you determine how much life insurance you need and find an affordable way to help fill that need. At a minimum always carry enough insurance to pay for final expenses, pay off debt, and provide an emergency fund for a surviving spouse, usually at least 6 months income.]]></content:encoded>
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		<title>Answer on Does Group Life Insurance Work? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/does-group-life-insurance-work#answer_1466</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 21 Apr 2013 10:21:50 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/does-group-life-insurance-work#answer_1466</guid>
		<description><![CDATA[Most group life offered by the employer is term insurance that will cover you while you are employed.  Some companies will continue your insurance at a reduced amount after retirement and some give you an option of converting the insurance to a whole life plan and you would pay your own premium.  Group term life will only pay while it is in force, meaning while you are employed.  Never rely on group term life coverage as your only source of life insurance.  In today&#039;s economy you could find yourself out of work and if you are sick, uninsurable  Always carry at least enough insurance to pay final expenses and pay off outstanding debt.]]></description>
		<content:encoded><![CDATA[Most group life offered by the employer is term insurance that will cover you while you are employed.  Some companies will continue your insurance at a reduced amount after retirement and some give you an option of converting the insurance to a whole life plan and you would pay your own premium.  Group term life will only pay while it is in force, meaning while you are employed.  Never rely on group term life coverage as your only source of life insurance.  In today's economy you could find yourself out of work and if you are sick, uninsurable  Always carry at least enough insurance to pay final expenses and pay off outstanding debt.]]></content:encoded>
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		<title>Answer on How Long Does Auto Insurance Last? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/how-long-does-auto-insurance-last#answer_1465</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 21 Apr 2013 10:15:20 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/how-long-does-auto-insurance-last#answer_1465</guid>
		<description><![CDATA[Generally your policy will be either a 6 month or annual renewal.  Most company allow you to pay in installments, monthly, quarterly, or some variation. If you fail to pay your premium, you are without coverage.  Unlike life insurance, there is no grace period for auto insurance.  Some companies will accept late payments but technically if your auto insurance expires on Friday and you have an accident on Saturday, your company could refuse to pay.]]></description>
		<content:encoded><![CDATA[Generally your policy will be either a 6 month or annual renewal.  Most company allow you to pay in installments, monthly, quarterly, or some variation. If you fail to pay your premium, you are without coverage.  Unlike life insurance, there is no grace period for auto insurance.  Some companies will accept late payments but technically if your auto insurance expires on Friday and you have an accident on Saturday, your company could refuse to pay.]]></content:encoded>
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		<title>Answer on Does Allstate Offer Health Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/does-allstate-offer-health-insurance#answer_1442</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 20 Apr 2013 11:32:30 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/does-allstate-offer-health-insurance#answer_1442</guid>
		<description><![CDATA[No, Allstate does Life, Auto Home and Annuities.  Especially now with the Affordable Protection Act you are going to see many changes in the Health Insurance industry. You will see fewer companies offer health insurance.  If you are looking for health insurance keep in mind that things will be changing Jan 1st 2014.]]></description>
		<content:encoded><![CDATA[No, Allstate does Life, Auto Home and Annuities.  Especially now with the Affordable Protection Act you are going to see many changes in the Health Insurance industry. You will see fewer companies offer health insurance.  If you are looking for health insurance keep in mind that things will be changing Jan 1st 2014.]]></content:encoded>
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		<title>Answer on Does Life Insurance Require Physical? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/does-life-insurance-require-physical#answer_1441</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 20 Apr 2013 11:26:41 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/does-life-insurance-require-physical#answer_1441</guid>
		<description><![CDATA[It depends on age, face amount and the company.  Usually if you are applying for a $100000 policy or grater the company will at least require a paramedic exam.  Smaller face amounts do not usually require a physical unless you are older.  Each company is different on their requirements so it is best to consult a good agent who can help you with your specific needs.]]></description>
		<content:encoded><![CDATA[It depends on age, face amount and the company.  Usually if you are applying for a $100000 policy or grater the company will at least require a paramedic exam.  Smaller face amounts do not usually require a physical unless you are older.  Each company is different on their requirements so it is best to consult a good agent who can help you with your specific needs.]]></content:encoded>
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		<title>Answer on Does My Spouse Have My Auto Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/does-my-spouse-have-my-auto-insurance#answer_1438</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 20 Apr 2013 11:19:28 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/does-my-spouse-have-my-auto-insurance#answer_1438</guid>
		<description><![CDATA[Only if she is a listed driver on your policy or has her own.  While she may be covered if she is not listed, since she is a member of your household, it could present a problem down the road.  If your spouse has several DUI&#039;s for example and you failed to list him or her on your policy, then the company would probably pay the claim but then you would be cancelled or have a major rate increase.  It is always best to make sure all drivers in your house are either listed as drivers or specifically excluded from your policy.  If they are excluded then do not let them drive your car unless they have their own policy.]]></description>
		<content:encoded><![CDATA[Only if she is a listed driver on your policy or has her own.  While she may be covered if she is not listed, since she is a member of your household, it could present a problem down the road.  If your spouse has several DUI's for example and you failed to list him or her on your policy, then the company would probably pay the claim but then you would be cancelled or have a major rate increase.  It is always best to make sure all drivers in your house are either listed as drivers or specifically excluded from your policy.  If they are excluded then do not let them drive your car unless they have their own policy.]]></content:encoded>
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		<title>Answer on What Is The Best Medicare Advantage Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/what-is-the-best-medicare-advantage-insurance#answer_1435</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 20 Apr 2013 11:08:47 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/what-is-the-best-medicare-advantage-insurance#answer_1435</guid>
		<description><![CDATA[It depends on your locality and personal situation.  There is no way to answer that on this forum.  When you shop for a Medicare Advantage Plan you need to consider several things.  Is it an HMO  that requires you to stay in network?  If so are your doctors in the network?  If it is a PPO (Preferred Provider Organization) you would still want to be sure your doctors are in network but you will be covered if you go out of network at higher out of pocket costs.  Do you travel and are out of state more than a few weeks at a time?  If so does you MA plan have a network you can utilize in the area you stay?  Are all of your prescriptions covered?  MA plans have a formulary and not all drugs are covered?  It is always best to consult with a local agent who handles both MA plans and Medicare Supplement plans.  A good agent with a good reputation in the area is always the best source for advice.]]></description>
		<content:encoded><![CDATA[It depends on your locality and personal situation.  There is no way to answer that on this forum.  When you shop for a Medicare Advantage Plan you need to consider several things.  Is it an HMO  that requires you to stay in network?  If so are your doctors in the network?  If it is a PPO (Preferred Provider Organization) you would still want to be sure your doctors are in network but you will be covered if you go out of network at higher out of pocket costs.  Do you travel and are out of state more than a few weeks at a time?  If so does you MA plan have a network you can utilize in the area you stay?  Are all of your prescriptions covered?  MA plans have a formulary and not all drugs are covered?  It is always best to consult with a local agent who handles both MA plans and Medicare Supplement plans.  A good agent with a good reputation in the area is always the best source for advice.]]></content:encoded>
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		<title>Answer on Does Geico Cover Home Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/does-geico-cover-home-insurance#answer_1434</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 20 Apr 2013 10:58:56 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/does-geico-cover-home-insurance#answer_1434</guid>
		<description><![CDATA[Unless things have changed Geico only covers auto insurance.  If you own your home it would be wise to shop around,  Many companies offer Auto and Home discounts.  I also recommend going with a company that allows you to have a local agent.  While the adds talk about saving money because you save commissions to an agent my experience has shown this to be a stretch of the facts.  A local agent can be a big help if you need an advocate in an insurance claim.  He can also give you sound advice on whether or not a claim should even be turned in.  Most people do not realize that if you call a company and ask about a claim it will be in your records regardless of whether you actually turn in the claim or not.  Having a local agent can help you with out it affecting you insurance record.]]></description>
		<content:encoded><![CDATA[Unless things have changed Geico only covers auto insurance.  If you own your home it would be wise to shop around,  Many companies offer Auto and Home discounts.  I also recommend going with a company that allows you to have a local agent.  While the adds talk about saving money because you save commissions to an agent my experience has shown this to be a stretch of the facts.  A local agent can be a big help if you need an advocate in an insurance claim.  He can also give you sound advice on whether or not a claim should even be turned in.  Most people do not realize that if you call a company and ask about a claim it will be in your records regardless of whether you actually turn in the claim or not.  Having a local agent can help you with out it affecting you insurance record.]]></content:encoded>
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		<title>Answer on Does Health Insurance Cover Spider Veins? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/does-health-insurance-cover-spider-veins#answer_1400</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 19 Apr 2013 11:19:57 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/does-health-insurance-cover-spider-veins#answer_1400</guid>
		<description><![CDATA[Health insurance is designed to cover medically necessary illness or accident.  It would depend on the reason for the spider veins and is it medically necessary to do any procedure to correct them  While spider veins are unsightly they are generally not life threatening so unless there is an underlying medical reason then most health insurance will not cover them.  Check with your agent or insurance company to be sure.]]></description>
		<content:encoded><![CDATA[Health insurance is designed to cover medically necessary illness or accident.  It would depend on the reason for the spider veins and is it medically necessary to do any procedure to correct them  While spider veins are unsightly they are generally not life threatening so unless there is an underlying medical reason then most health insurance will not cover them.  Check with your agent or insurance company to be sure.]]></content:encoded>
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		<title>Answer on Does Auto Insurance Need Your Social Security Number? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/does-auto-insurance-need-your-social-security-number#answer_1399</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 19 Apr 2013 11:16:07 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/does-auto-insurance-need-your-social-security-number#answer_1399</guid>
		<description><![CDATA[Yes in most cases.  When you take out Auto insurance the company checks driving record and what is called a CLUE report.  They may also run an insurance credit score.  Your Social Security number, Drivers License number, and date of birth of your and any drivers in your household is necessary to provide you with the best rate possible.]]></description>
		<content:encoded><![CDATA[Yes in most cases.  When you take out Auto insurance the company checks driving record and what is called a CLUE report.  They may also run an insurance credit score.  Your Social Security number, Drivers License number, and date of birth of your and any drivers in your household is necessary to provide you with the best rate possible.]]></content:encoded>
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		<title>Answer on Does Renters Insurance Cover Accidental DamageTo A TV? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/renters-insurance/does-renters-insurance-cover-accidental-damageto-a-tv#answer_1398</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 19 Apr 2013 11:12:36 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/renters-insurance/does-renters-insurance-cover-accidental-damageto-a-tv#answer_1398</guid>
		<description><![CDATA[Your TV would only be covered for named perils in your policy.  Things like Fire, Lightning, Wind, Theft and other natural perils.  As a rule accidental damage would not be covered.  Keep in mind too that your renters insurance has a deductible, so if your deductible is close to the cost of replacing the TV then it may not be to your advantage to turn in a claim anyway.]]></description>
		<content:encoded><![CDATA[Your TV would only be covered for named perils in your policy.  Things like Fire, Lightning, Wind, Theft and other natural perils.  As a rule accidental damage would not be covered.  Keep in mind too that your renters insurance has a deductible, so if your deductible is close to the cost of replacing the TV then it may not be to your advantage to turn in a claim anyway.]]></content:encoded>
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		<title>Answer on Does Health Insurance Cover Veneers? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/does-health-insurance-cover-veneers#answer_1396</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 19 Apr 2013 11:06:24 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/does-health-insurance-cover-veneers#answer_1396</guid>
		<description><![CDATA[I am assuming you are talking about dental veneers, in which case the answer would be no unless they are medically necessary due to a covered illness or accident.  You dental insurance may offer some coverage for tooth veneers.  Health insurance is designed to help pay for illness or accident and will not generally cover any cosmetic non medically necessary procedure]]></description>
		<content:encoded><![CDATA[I am assuming you are talking about dental veneers, in which case the answer would be no unless they are medically necessary due to a covered illness or accident.  You dental insurance may offer some coverage for tooth veneers.  Health insurance is designed to help pay for illness or accident and will not generally cover any cosmetic non medically necessary procedure]]></content:encoded>
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		<title>Answer on Does Homeowners Insurance Cover Vehicle Theft? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/does-homeowners-insurance-cover-vehicle-theft#answer_1395</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 19 Apr 2013 11:02:10 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/does-homeowners-insurance-cover-vehicle-theft#answer_1395</guid>
		<description><![CDATA[Theft is generally covered under your auto policy.  There may be some occasions where a vehicle is considered personal property under your homeowners but this is rare.  If you think there are special circumstances then it is best to check with your agent but as a rule the answer to your question is no.]]></description>
		<content:encoded><![CDATA[Theft is generally covered under your auto policy.  There may be some occasions where a vehicle is considered personal property under your homeowners but this is rare.  If you think there are special circumstances then it is best to check with your agent but as a rule the answer to your question is no.]]></content:encoded>
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		<title>Answer on Does A Single Person With No Kids Need Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/does-a-single-person-with-no-kids-need-life-insurance#answer_1392</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 19 Apr 2013 10:54:25 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/does-a-single-person-with-no-kids-need-life-insurance#answer_1392</guid>
		<description><![CDATA[Every situation is different but I would recommend taking out at least enough to pay final expenses and any debt.  Also keep in mind that the younger you are when you purchase a policy the lower the premium, so unless you are planning on staying single, you may want to consider this.]]></description>
		<content:encoded><![CDATA[Every situation is different but I would recommend taking out at least enough to pay final expenses and any debt.  Also keep in mind that the younger you are when you purchase a policy the lower the premium, so unless you are planning on staying single, you may want to consider this.]]></content:encoded>
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		<title>Answer on How To Determine How Much Life Insurance To Buy? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/how-to-determine-how-much-life-insurance-to-buy#answer_1391</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 19 Apr 2013 10:51:08 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/how-to-determine-how-much-life-insurance-to-buy#answer_1391</guid>
		<description><![CDATA[A lot depends on your circumstances.  While some agents use a rule of thumb approach each case is different.  It depends on what you need to protect.  Are you married?  Is there children?  Do you have a mortgage or debt?  What is your income level?  Does your spouse work and will he or she be able to continue to work if you die?  A good agent will do a complete fact find analysis of your situation, taking in consideration all of your needs and your financial situation and help you determine the amount of insurance you need, the type of insurance and take in consideration the affordability of what he recommends.]]></description>
		<content:encoded><![CDATA[A lot depends on your circumstances.  While some agents use a rule of thumb approach each case is different.  It depends on what you need to protect.  Are you married?  Is there children?  Do you have a mortgage or debt?  What is your income level?  Does your spouse work and will he or she be able to continue to work if you die?  A good agent will do a complete fact find analysis of your situation, taking in consideration all of your needs and your financial situation and help you determine the amount of insurance you need, the type of insurance and take in consideration the affordability of what he recommends.]]></content:encoded>
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		<title>Answer on What Does Health Insurance Out Of Pocket Mean? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/health-insurance/what-does-health-insurance-out-of-pocket-mean#answer_1389</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 19 Apr 2013 10:35:22 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/health-insurance/what-does-health-insurance-out-of-pocket-mean#answer_1389</guid>
		<description><![CDATA[Out of pocket is the amount you have to pay out of pocket for covered medical expenses.  For example if your policy has a $10,000 out of pocket max, then the most you would pay for covered medical expenses would be $10,000 plus your deductible for that year regardless of how much your actual medical expenses were.  The key here is covered medical expenses.  If a procedure is not covered the out of pocket for that procedure would not be included in the total out of pocket in your policy.  Deductibles and copay&#039;s also typically do not count, so if you go to a doctor and have a $20 copay, that $20 is not counted in the out of pocket max.]]></description>
		<content:encoded><![CDATA[Out of pocket is the amount you have to pay out of pocket for covered medical expenses.  For example if your policy has a $10,000 out of pocket max, then the most you would pay for covered medical expenses would be $10,000 plus your deductible for that year regardless of how much your actual medical expenses were.  The key here is covered medical expenses.  If a procedure is not covered the out of pocket for that procedure would not be included in the total out of pocket in your policy.  Deductibles and copay's also typically do not count, so if you go to a doctor and have a $20 copay, that $20 is not counted in the out of pocket max.]]></content:encoded>
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		<title>Answer on Will Car Insurance Pay For Hail Damage? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/will-car-insurance-pay-for-hail-damage#answer_1344</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 18 Apr 2013 11:40:16 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/will-car-insurance-pay-for-hail-damage#answer_1344</guid>
		<description><![CDATA[If you have full coverage which includes Comprehensive or Other than Collision then the answer would be yes.  Comp or OTC covers any damage not related to a collision.  This includes hail, fire, animal hits, glass breakage, vandalism, or other perils not related to normal wear and tear or road hazard such as pot holes.  If you have a specific question on whether or not something is covered always call your agent first before calling your company.  He can advise you whether or not it would be to your advantage to report a claim.]]></description>
		<content:encoded><![CDATA[If you have full coverage which includes Comprehensive or Other than Collision then the answer would be yes.  Comp or OTC covers any damage not related to a collision.  This includes hail, fire, animal hits, glass breakage, vandalism, or other perils not related to normal wear and tear or road hazard such as pot holes.  If you have a specific question on whether or not something is covered always call your agent first before calling your company.  He can advise you whether or not it would be to your advantage to report a claim.]]></content:encoded>
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		<title>Answer on Do Renters Need Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/renters-insurance/do-renters-need-insurance#answer_1341</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 18 Apr 2013 11:33:56 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/renters-insurance/do-renters-need-insurance#answer_1341</guid>
		<description><![CDATA[I highly recommend it.  Your landlord carries insurance on the building but he does not cover your personal belongings.  If there is a fire or other covered peril, lightning, theft etc., then you would not be covered.  Also, if someone is injured in or entering or leaving your apartment you can be in a lawsuit.  Many landlords are starting to require renters insurance for their tenants.]]></description>
		<content:encoded><![CDATA[I highly recommend it.  Your landlord carries insurance on the building but he does not cover your personal belongings.  If there is a fire or other covered peril, lightning, theft etc., then you would not be covered.  Also, if someone is injured in or entering or leaving your apartment you can be in a lawsuit.  Many landlords are starting to require renters insurance for their tenants.]]></content:encoded>
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		<title>Answer on How Does A Life Insurance Company Know If You Smoke? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/how-does-a-life-insurance-company-know-if-you-smoke#answer_1339</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 18 Apr 2013 11:29:30 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/how-does-a-life-insurance-company-know-if-you-smoke#answer_1339</guid>
		<description><![CDATA[Most life insurance applications ask if you smoke.  Depending on the size of the policy and the company, you may be asked to take a urine, blood, or saliva test.  If you lie on an application and die within the two year incontestability period a company may question the issue based upon cause of death, and could either adjust the death benefit or refuse to pay the claim and refund the premiums paid depending on the circumstances.]]></description>
		<content:encoded><![CDATA[Most life insurance applications ask if you smoke.  Depending on the size of the policy and the company, you may be asked to take a urine, blood, or saliva test.  If you lie on an application and die within the two year incontestability period a company may question the issue based upon cause of death, and could either adjust the death benefit or refuse to pay the claim and refund the premiums paid depending on the circumstances.]]></content:encoded>
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		<title>Answer on Does Auto Insurance Cover Car Fires? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/does-auto-insurance-cover-car-fires#answer_1254</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 16 Apr 2013 10:53:48 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/does-auto-insurance-cover-car-fires#answer_1254</guid>
		<description><![CDATA[A car fire would be covered under your Comprehensive or Other than Collision portion of your policy.  If you only carry liability then your would not be covered.  If someone in your car is injured as a result of the fire then the Medical pay portion of the policy would cover them up to the limits of your policy, usually between $1000 and $10,000 depending on your policy.]]></description>
		<content:encoded><![CDATA[A car fire would be covered under your Comprehensive or Other than Collision portion of your policy.  If you only carry liability then your would not be covered.  If someone in your car is injured as a result of the fire then the Medical pay portion of the policy would cover them up to the limits of your policy, usually between $1000 and $10,000 depending on your policy.]]></content:encoded>
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		<title>Answer on Does Medical Insurance Cover An Auto Accidents? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/does-medical-insurance-cover-an-auto-accidents#answer_1253</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 16 Apr 2013 10:50:39 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/does-medical-insurance-cover-an-auto-accidents#answer_1253</guid>
		<description><![CDATA[Your Medical insurance will cover an auto accident however, if you are in an accident and your health insurance pays, then when your auto insurance accident claim is settled you need to pay back to the health insurance company any moneys received up to the amount that was paid out by your health insurance.  You cannot receive double benefits.]]></description>
		<content:encoded><![CDATA[Your Medical insurance will cover an auto accident however, if you are in an accident and your health insurance pays, then when your auto insurance accident claim is settled you need to pay back to the health insurance company any moneys received up to the amount that was paid out by your health insurance.  You cannot receive double benefits.]]></content:encoded>
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		<title>Answer on How Does No Fault Auto Insurance Work? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/how-does-no-fault-auto-insurance-work#answer_1252</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 16 Apr 2013 10:44:42 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/how-does-no-fault-auto-insurance-work#answer_1252</guid>
		<description><![CDATA[Basically no fault means just that!  The insurance company pays for its own insured regardless of who may be cited for the accident.  Hence the term no-fault, since the insurance company holds neither driver at fault.  There are only a few states that have no fault laws in place.  Michigan is one, and there are a few others.  If you do not live in a no fault state then you cannot get no fault auto insurance.]]></description>
		<content:encoded><![CDATA[Basically no fault means just that!  The insurance company pays for its own insured regardless of who may be cited for the accident.  Hence the term no-fault, since the insurance company holds neither driver at fault.  There are only a few states that have no fault laws in place.  Michigan is one, and there are a few others.  If you do not live in a no fault state then you cannot get no fault auto insurance.]]></content:encoded>
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		<title>Answer on Do I Need Supplemental Insurance With Medicare Advantage? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/do-i-need-supplemental-insurance-with-medicare-advantage#answer_1251</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 16 Apr 2013 10:40:44 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/do-i-need-supplemental-insurance-with-medicare-advantage#answer_1251</guid>
		<description><![CDATA[You do not need and it is actually unethical and against Medicare guidelines to sell you a Medicare Supplement with a Medicare Advantage Plan.  
There are some policies that will help pay some of the out of pocket costs of a Medicare Advantage and in some cases they may be a good option.  These are not Medicare Supplements.  If however the premium gets too high you are better off  in a Medicare Supplement plan rather than a Medicare Advantage rather than pay a premium for the supplemental hospital coverage,  Make sure you have a good agent who can help you decide your best options based on your individual situation.]]></description>
		<content:encoded><![CDATA[You do not need and it is actually unethical and against Medicare guidelines to sell you a Medicare Supplement with a Medicare Advantage Plan.  
There are some policies that will help pay some of the out of pocket costs of a Medicare Advantage and in some cases they may be a good option.  These are not Medicare Supplements.  If however the premium gets too high you are better off  in a Medicare Supplement plan rather than a Medicare Advantage rather than pay a premium for the supplemental hospital coverage,  Make sure you have a good agent who can help you decide your best options based on your individual situation.]]></content:encoded>
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		<title>Answer on Does My Auto Insurance Cover Roadside Assistance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/does-my-auto-insurance-cover-roadside-assistance#answer_1249</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 16 Apr 2013 10:24:40 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/does-my-auto-insurance-cover-roadside-assistance#answer_1249</guid>
		<description><![CDATA[Some policies may cover towing if you have full coverage.  It is not designed to take the place of an auto club however.  I generally recommend using an auto club for towing and roadside assistance.  Remember, any time you turn in a claim of any sort the company will look at your loss experience with the company.]]></description>
		<content:encoded><![CDATA[Some policies may cover towing if you have full coverage.  It is not designed to take the place of an auto club however.  I generally recommend using an auto club for towing and roadside assistance.  Remember, any time you turn in a claim of any sort the company will look at your loss experience with the company.]]></content:encoded>
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		<title>Answer on What Does A Basic Renters Insurance Policy Cover? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/renters-insurance/what-does-a-basic-renters-insurance-policy-cover#answer_1178</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 15 Apr 2013 11:33:03 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/renters-insurance/what-does-a-basic-renters-insurance-policy-cover#answer_1178</guid>
		<description><![CDATA[A good renters insurance policy will cover your personal belongings for fire, lightning, wind, vandalism and other named perils as well as theft and liability.  It covers everything but the building and items owned by the building.  It is the landlords responsibility to cover those.  There are some basic fire policies that are more limited in nature so make sure you know what you are buying.]]></description>
		<content:encoded><![CDATA[A good renters insurance policy will cover your personal belongings for fire, lightning, wind, vandalism and other named perils as well as theft and liability.  It covers everything but the building and items owned by the building.  It is the landlords responsibility to cover those.  There are some basic fire policies that are more limited in nature so make sure you know what you are buying.]]></content:encoded>
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		<title>Answer on Does Life Insurance Affect Financial Aid? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/does-life-insurance-affect-financial-aid#answer_1176</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 15 Apr 2013 11:24:57 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/does-life-insurance-affect-financial-aid#answer_1176</guid>
		<description><![CDATA[If by financial aid you mean Medicaid then yes it can.  Most state will only allow $2000 or less in assets to qualify for Medicaid.  If a life insurance policy has more than $1500 in cash value you will be required to dispose of the asset by either cashing it in and spending the money or irrevocably assigning the policy or cash value to a funeral trust or funeral home.
If you mean financial assistance for college, then the answer is generally no, in fact it would be encouraged so that there would be money available to pay off your student loans.]]></description>
		<content:encoded><![CDATA[If by financial aid you mean Medicaid then yes it can.  Most state will only allow $2000 or less in assets to qualify for Medicaid.  If a life insurance policy has more than $1500 in cash value you will be required to dispose of the asset by either cashing it in and spending the money or irrevocably assigning the policy or cash value to a funeral trust or funeral home.
If you mean financial assistance for college, then the answer is generally no, in fact it would be encouraged so that there would be money available to pay off your student loans.]]></content:encoded>
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		<title>Answer on Does Auto Insurance Go With The Car Or The Person? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/does-auto-insurance-go-with-the-car-or-the-person#answer_1175</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 15 Apr 2013 11:19:52 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/does-auto-insurance-go-with-the-car-or-the-person#answer_1175</guid>
		<description><![CDATA[Insurance in most states follow the driver first, then the car.  Always when lending your car to someone make sure that person has his own insurance.  Otherwise your insurance will pay, but it can effect your rates.  Some states are no-fault, such as Michigan.  In those states neither driver is considered at fault and each drivers own insurance pays for any claim]]></description>
		<content:encoded><![CDATA[Insurance in most states follow the driver first, then the car.  Always when lending your car to someone make sure that person has his own insurance.  Otherwise your insurance will pay, but it can effect your rates.  Some states are no-fault, such as Michigan.  In those states neither driver is considered at fault and each drivers own insurance pays for any claim]]></content:encoded>
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		<title>Answer on How Much Money Does A Life Insurance Salesman Make? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/how-much-money-does-a-life-insurance-salesman-make#answer_1173</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 15 Apr 2013 11:12:41 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/how-much-money-does-a-life-insurance-salesman-make#answer_1173</guid>
		<description><![CDATA[It depends on the company he works for and the type of policy sold.  I have seen commissions as low as 30&#038; and as high as 120% of the first year premium  This is paid by the insurance company, not you.  Life insurance premiums are placed in an insurance company&#039;s account and a special fund (to keep this simple) is set aside to pay for any commissions and other expenses on a company level, not an individual policy holder level.  Your premium is just a basis of what is paid out to an agent for his hard work and marketing expenses.]]></description>
		<content:encoded><![CDATA[It depends on the company he works for and the type of policy sold.  I have seen commissions as low as 30&amp; and as high as 120% of the first year premium  This is paid by the insurance company, not you.  Life insurance premiums are placed in an insurance company's account and a special fund (to keep this simple) is set aside to pay for any commissions and other expenses on a company level, not an individual policy holder level.  Your premium is just a basis of what is paid out to an agent for his hard work and marketing expenses.]]></content:encoded>
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		<title>Answer on Does Home Insurance Cover My Laptop? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/does-home-insurance-cover-my-laptop#answer_1171</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 15 Apr 2013 11:05:28 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/does-home-insurance-cover-my-laptop#answer_1171</guid>
		<description><![CDATA[Yes depending on what happens to it.  It is not going to cover it if it breaks, however if it is destroyed due to a covered peril such as fire or theft, then there is usually coverage for electronic equipment.  There is usually an internal limit on what it would pay and sometimes a separate deductible.]]></description>
		<content:encoded><![CDATA[Yes depending on what happens to it.  It is not going to cover it if it breaks, however if it is destroyed due to a covered peril such as fire or theft, then there is usually coverage for electronic equipment.  There is usually an internal limit on what it would pay and sometimes a separate deductible.]]></content:encoded>
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		<title>Answer on Do I Need Insurance In Addition To Medicare? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/do-i-need-insurance-in-addition-to-medicare#answer_1170</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 15 Apr 2013 11:01:58 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/do-i-need-insurance-in-addition-to-medicare#answer_1170</guid>
		<description><![CDATA[I would definitely recommend it.  Medicare has no out of pocket limit.  If you come down with a serious illness this can be devastating, leaving you tens of thousands in debt in some cases.  If there is a good Medicare Advantage plan in your area then you may want to consider that.  Especially if a Medicare Supplement is unaffordable.  The advantage would be:  Medicare Advantage has out of pocket maximums, usually between $3500 and $6000.  Many Medicare Advantage Plans have no additional premium other than the Medicare Part B premium you already pay.  Many also include Prescription Drugs at no additional premium.  Yo have networks but if your area has a strong network then that is generally not going to be an issue.  You would also have copay&#039;s, usually between $10 and $20 for a primary care doctor.  This makes your health care much easier to predict since under original Medicare you pay 20% of whatever Medicare approves but you have no idea what that will be until you get your bill.  There are also many affordable Medicare Supplements.  I usually recommend the supplements if you can afford the premium.  Find a good local agent who specializes in Medicare plans, both supplements and Advantage plans.  A good agent will help you decide which will be in your best interests with no pressure]]></description>
		<content:encoded><![CDATA[I would definitely recommend it.  Medicare has no out of pocket limit.  If you come down with a serious illness this can be devastating, leaving you tens of thousands in debt in some cases.  If there is a good Medicare Advantage plan in your area then you may want to consider that.  Especially if a Medicare Supplement is unaffordable.  The advantage would be:  Medicare Advantage has out of pocket maximums, usually between $3500 and $6000.  Many Medicare Advantage Plans have no additional premium other than the Medicare Part B premium you already pay.  Many also include Prescription Drugs at no additional premium.  Yo have networks but if your area has a strong network then that is generally not going to be an issue.  You would also have copay's, usually between $10 and $20 for a primary care doctor.  This makes your health care much easier to predict since under original Medicare you pay 20% of whatever Medicare approves but you have no idea what that will be until you get your bill.  There are also many affordable Medicare Supplements.  I usually recommend the supplements if you can afford the premium.  Find a good local agent who specializes in Medicare plans, both supplements and Advantage plans.  A good agent will help you decide which will be in your best interests with no pressure]]></content:encoded>
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		<title>Answer on Does Car Insurance Give You Credit? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/does-car-insurance-give-you-credit#answer_1168</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Mon, 15 Apr 2013 10:36:30 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/does-car-insurance-give-you-credit#answer_1168</guid>
		<description><![CDATA[If you mean does it help your credit rating then I would say no.  It does show financial responsibility and any one who drives needs to carry car insurance or a financial responsibility bond, even if you do not own a car.  This is a protection for you in the event you are in a law suite and also for the other person who may be injured as well as anyone riding with you.]]></description>
		<content:encoded><![CDATA[If you mean does it help your credit rating then I would say no.  It does show financial responsibility and any one who drives needs to carry car insurance or a financial responsibility bond, even if you do not own a car.  This is a protection for you in the event you are in a law suite and also for the other person who may be injured as well as anyone riding with you.]]></content:encoded>
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		<title>Answer on What Does AAA Auto Insurance Cover? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/what-does-aaa-auto-insurance-cover#answer_1051</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 14 Apr 2013 10:27:09 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/what-does-aaa-auto-insurance-cover#answer_1051</guid>
		<description><![CDATA[It is the same as every other Auto Insurance company.  There is no real advantage one way or the other.  You do get the discounts of Auto club membership but I think if you shop around you will find just as good rates or better with any company.  But it certainly doesn&#039;t hurt to check them out to see what the rates are.  If they save you money then go for it!]]></description>
		<content:encoded><![CDATA[It is the same as every other Auto Insurance company.  There is no real advantage one way or the other.  You do get the discounts of Auto club membership but I think if you shop around you will find just as good rates or better with any company.  But it certainly doesn't hurt to check them out to see what the rates are.  If they save you money then go for it!]]></content:encoded>
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		<title>Answer on Does Credit History Affect Auto Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/does-credit-history-affect-auto-insurance#answer_1050</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sun, 14 Apr 2013 10:18:12 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/does-credit-history-affect-auto-insurance#answer_1050</guid>
		<description><![CDATA[Yes it can.  Credit is a factor with many companies.  Insurance companies give an insurance score.  It is different than a credit score.  A variety of factors including credit are considered.  Some companies still don;t do credit, but usually you will pay a higher rate.  The insurance company reasoning is that, by their statistics and experience, a person with bad credit statistically is a higher risk.  I know that is not always the case but unfortunately, agree or not (and I don&#039;t like it either) that is the facts.]]></description>
		<content:encoded><![CDATA[Yes it can.  Credit is a factor with many companies.  Insurance companies give an insurance score.  It is different than a credit score.  A variety of factors including credit are considered.  Some companies still don;t do credit, but usually you will pay a higher rate.  The insurance company reasoning is that, by their statistics and experience, a person with bad credit statistically is a higher risk.  I know that is not always the case but unfortunately, agree or not (and I don't like it either) that is the facts.]]></content:encoded>
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		<title>Answer on What Does 30 Year Term Life Insurance Mean? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-does-30-year-term-life-insurance-mean#answer_989</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 13 Apr 2013 11:35:15 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-does-30-year-term-life-insurance-mean#answer_989</guid>
		<description><![CDATA[Thirty Year Term means that the policy will be in force for 30 years, at which time the policy may be renewed if that option is available or unless it converted to a permanent policy (again if that option is available), it will terminate.  There are a couple different types of term policies.  Level Term means the face amount will stay level for the term of the policy.  This is most common.  There is also decreasing term, meaning the face amount decreases over the term of the policy.  This is usually used to cover a mortgage for example.  There is also increasing term where the death benefit increases over the term of the policy.  This is far less common. There are some term policies that allow for premium increases during the term of the policy so be careful and don&#039;t just assume the premium will stay level.  I have seen some contracts that allow companies to increase premiums based on there mortality experience.]]></description>
		<content:encoded><![CDATA[Thirty Year Term means that the policy will be in force for 30 years, at which time the policy may be renewed if that option is available or unless it converted to a permanent policy (again if that option is available), it will terminate.  There are a couple different types of term policies.  Level Term means the face amount will stay level for the term of the policy.  This is most common.  There is also decreasing term, meaning the face amount decreases over the term of the policy.  This is usually used to cover a mortgage for example.  There is also increasing term where the death benefit increases over the term of the policy.  This is far less common. There are some term policies that allow for premium increases during the term of the policy so be careful and don't just assume the premium will stay level.  I have seen some contracts that allow companies to increase premiums based on there mortality experience.]]></content:encoded>
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		<title>Answer on Does Education Affect Auto Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/does-education-affect-auto-insurance#answer_988</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 13 Apr 2013 11:23:56 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/does-education-affect-auto-insurance#answer_988</guid>
		<description><![CDATA[It might to some extent.  For example many companies offer good student discount.  But generally for a mature driver not in school education would not effect auto insurance rates.  There may be some companies out there that take this in consideration but I do not know of many that do.  Driving record, age and credit have more to do with auto rates than education.]]></description>
		<content:encoded><![CDATA[It might to some extent.  For example many companies offer good student discount.  But generally for a mature driver not in school education would not effect auto insurance rates.  There may be some companies out there that take this in consideration but I do not know of many that do.  Driving record, age and credit have more to do with auto rates than education.]]></content:encoded>
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		<title>Answer on How Much Tax Is Paid On Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/how-much-tax-is-paid-on-life-insurance#answer_987</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 13 Apr 2013 11:19:38 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/how-much-tax-is-paid-on-life-insurance#answer_987</guid>
		<description><![CDATA[As a general rule, the Death Benefit on a life insurance policy is not taxed.  That is what makes purchasing life insurance advantageous.  While life insurance death benefits are generally excluded from income tax to the beneficiary, they are included as part of the estate of the deceased if the deceased was the owner of the policy at the time of death.  But unless you have a large estate generally you do not have to worry about estate taxes.  There may also be some rare exceptions to this but in most cases there is no tax on a lump sum payout to the beneficiary.]]></description>
		<content:encoded><![CDATA[As a general rule, the Death Benefit on a life insurance policy is not taxed.  That is what makes purchasing life insurance advantageous.  While life insurance death benefits are generally excluded from income tax to the beneficiary, they are included as part of the estate of the deceased if the deceased was the owner of the policy at the time of death.  But unless you have a large estate generally you do not have to worry about estate taxes.  There may also be some rare exceptions to this but in most cases there is no tax on a lump sum payout to the beneficiary.]]></content:encoded>
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		<title>Answer on Does Life Insurance Cover Natural Death? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/does-life-insurance-cover-natural-death#answer_986</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 13 Apr 2013 11:10:15 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/does-life-insurance-cover-natural-death#answer_986</guid>
		<description><![CDATA[Yes, unless it is an accidental death policy.  That is why you buy life insurance,  Life insurance will general cover a death by any means not specifically excluded in the policy.  For example most life policies have a two year suicide clause, they would not pay for suicide within two years of taking out the policy.  Most would not pay if a person is killed while committing a crime.  Some will not pay for someone killed fighting in a war.  There is a two year incontestability clause which allows the insurer to deny a claim if a client lies on an application and dies within two years.  All of these are spelled out in your policy.]]></description>
		<content:encoded><![CDATA[Yes, unless it is an accidental death policy.  That is why you buy life insurance,  Life insurance will general cover a death by any means not specifically excluded in the policy.  For example most life policies have a two year suicide clause, they would not pay for suicide within two years of taking out the policy.  Most would not pay if a person is killed while committing a crime.  Some will not pay for someone killed fighting in a war.  There is a two year incontestability clause which allows the insurer to deny a claim if a client lies on an application and dies within two years.  All of these are spelled out in your policy.]]></content:encoded>
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		<title>Answer on Does Auto Insurance Follow A Driver? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/does-auto-insurance-follow-a-driver#answer_985</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 13 Apr 2013 11:02:56 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/does-auto-insurance-follow-a-driver#answer_985</guid>
		<description><![CDATA[Yes, if you are driving someone else s car and you are involved in an accident your insurance pays first.  If the damages go beyond your insurance limits then the car owners policy would pay.  Anyone who has a drivers license needs to have insurance or a Financial Responsibility Bond even if they do not own a car, unless they do not drive at all.  If you loan your car to someone make sure they have insurance.]]></description>
		<content:encoded><![CDATA[Yes, if you are driving someone else s car and you are involved in an accident your insurance pays first.  If the damages go beyond your insurance limits then the car owners policy would pay.  Anyone who has a drivers license needs to have insurance or a Financial Responsibility Bond even if they do not own a car, unless they do not drive at all.  If you loan your car to someone make sure they have insurance.]]></content:encoded>
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		<title>Answer on Does Home Insurance Cover A Boat? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/does-home-insurance-cover-a-boat#answer_984</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 13 Apr 2013 10:57:41 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/does-home-insurance-cover-a-boat#answer_984</guid>
		<description><![CDATA[If your boat is parked in the garage or on your property and it is damaged due to a covered peril then there may be coverage.  For example a Fire in the garage destroys your boat.  But as a rule you should carry separate Boat insurance to protect your boat and also to protect yourself for liability in the event of a boat accident.]]></description>
		<content:encoded><![CDATA[If your boat is parked in the garage or on your property and it is damaged due to a covered peril then there may be coverage.  For example a Fire in the garage destroys your boat.  But as a rule you should carry separate Boat insurance to protect your boat and also to protect yourself for liability in the event of a boat accident.]]></content:encoded>
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		<title>Answer on Does Home Owners Insurance Cover Foundation Repair? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/does-home-owners-insurance-cover-foundation-repair#answer_983</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 13 Apr 2013 10:54:52 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/does-home-owners-insurance-cover-foundation-repair#answer_983</guid>
		<description><![CDATA[It depends on the reason the foundation needs repaired.  It may cover it if the damage was done by a covered peril.  If however it is just due to age and ground water then no.  If your policy covers Earthquake and the damage is due to Earthquake for example then your policy may provide some coverage.  If you think you have damage that may be covered check with your agent.]]></description>
		<content:encoded><![CDATA[It depends on the reason the foundation needs repaired.  It may cover it if the damage was done by a covered peril.  If however it is just due to age and ground water then no.  If your policy covers Earthquake and the damage is due to Earthquake for example then your policy may provide some coverage.  If you think you have damage that may be covered check with your agent.]]></content:encoded>
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		<title>Answer on How Much Is Medicare Part D For 2013? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/how-much-is-medicare-part-d-for-2013#answer_982</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Sat, 13 Apr 2013 10:50:25 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/how-much-is-medicare-part-d-for-2013#answer_982</guid>
		<description><![CDATA[It depends on the plan in your area.  United HealthCare has a PDP for $15 / month I have seen some over $50 per month.  Don&#039;t go by price alone however.  You need to base the plan you select on what drugs you take and whether or not they are in the plan  formulary.  Every Formulary is different.  Premium is just one factor.  Go to Medicare.gov and you can put your prescriptions into the system and find out which plan is right for you.  If you have problems doing this I can help over the phone or you can consult a local agent certified to do Medicare plans.]]></description>
		<content:encoded><![CDATA[It depends on the plan in your area.  United HealthCare has a PDP for $15 / month I have seen some over $50 per month.  Don't go by price alone however.  You need to base the plan you select on what drugs you take and whether or not they are in the plan  formulary.  Every Formulary is different.  Premium is just one factor.  Go to Medicare.gov and you can put your prescriptions into the system and find out which plan is right for you.  If you have problems doing this I can help over the phone or you can consult a local agent certified to do Medicare plans.]]></content:encoded>
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		<title>Answer on Does AARP Offer Life Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/does-aarp-offer-life-insurance#answer_940</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 12 Apr 2013 12:31:17 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/does-aarp-offer-life-insurance#answer_940</guid>
		<description><![CDATA[Keep in mind AARP is not an insurance company.  New Your Life pays for the endorsement and the right to market under the AARP banner.  Just because a policy is offered under the AARP name does not &quot;necessarily&quot; guarantee a better rate than you can get elsewhere. AARP is a good organization and New York Life is a good company, all I am saying is shop and know what you are buying.  Whenever you buy something over the TV or in the mail you risk getting hurt because it is very easy to be confused by some of the advertising that is done.  Having a good local agent is almost always the best choice.]]></description>
		<content:encoded><![CDATA[Keep in mind AARP is not an insurance company.  New Your Life pays for the endorsement and the right to market under the AARP banner.  Just because a policy is offered under the AARP name does not "necessarily" guarantee a better rate than you can get elsewhere. AARP is a good organization and New York Life is a good company, all I am saying is shop and know what you are buying.  Whenever you buy something over the TV or in the mail you risk getting hurt because it is very easy to be confused by some of the advertising that is done.  Having a good local agent is almost always the best choice.]]></content:encoded>
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		<title>Answer on Does A 15 Year Old Need Auto Insurance? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/does-a-15-year-old-need-auto-insurance#answer_935</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 12 Apr 2013 12:17:17 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/does-a-15-year-old-need-auto-insurance#answer_935</guid>
		<description><![CDATA[If you have a drivers license you need auto insurance!  You can be added to your parents policy or buy your own.  It is usually less expensive to be added to a parents.  If you own your own car, titled solely in your name you will need to have your own policy in most cases.  Some states vary on the exact rules so see your insurance agent for your individual situation.]]></description>
		<content:encoded><![CDATA[If you have a drivers license you need auto insurance!  You can be added to your parents policy or buy your own.  It is usually less expensive to be added to a parents.  If you own your own car, titled solely in your name you will need to have your own policy in most cases.  Some states vary on the exact rules so see your insurance agent for your individual situation.]]></content:encoded>
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		<title>Answer on Do Insurance Companies Have To Pay Back Equity On A Lapsed Whole Life Insurance Policy? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/do-insurance-companies-have-to-pay-back-equity-on-a-lapsed-whole-life-insurance-policy#answer_928</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 12 Apr 2013 11:50:59 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/do-insurance-companies-have-to-pay-back-equity-on-a-lapsed-whole-life-insurance-policy#answer_928</guid>
		<description><![CDATA[The only &quot;equity&quot; is the cash value, not the face amount.  Since the policy is only 8 years old there is probably not much cash value however you do have options.  If you do nothing the policy goes on extended term.  This means the policy is in force for a period of time until the cash value is used up.  You can take a reduced paid up option, but I doubt if you have enough cash value to make this worthwhile. You can cash surrender the policy for whatever the cash value is.  .All of these options are spelled out in your policy.]]></description>
		<content:encoded><![CDATA[The only "equity" is the cash value, not the face amount.  Since the policy is only 8 years old there is probably not much cash value however you do have options.  If you do nothing the policy goes on extended term.  This means the policy is in force for a period of time until the cash value is used up.  You can take a reduced paid up option, but I doubt if you have enough cash value to make this worthwhile. You can cash surrender the policy for whatever the cash value is.  .All of these options are spelled out in your policy.]]></content:encoded>
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		<title>Answer on What Does It Mean For A Life Insurance Policy To Be Paid Up? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-does-it-mean-for-a-life-insurance-policy-to-be-paid-up#answer_927</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Fri, 12 Apr 2013 11:44:04 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-does-it-mean-for-a-life-insurance-policy-to-be-paid-up#answer_927</guid>
		<description><![CDATA[Simply put a Life Insurance policy is paid up when according to contract you no longer have to pay on a policy to maintain the face amount.  A 20 Pay Whole Life, $25000 policy for example would be paid up in 20 years for the full face amount.  A term insurance policy does not have this feature so don&#039;t be confused by a 20 year TERM policy.  You also have reduced paid up options in a Whole Life contract by using the cash value to purchase a reduced face amount.]]></description>
		<content:encoded><![CDATA[Simply put a Life Insurance policy is paid up when according to contract you no longer have to pay on a policy to maintain the face amount.  A 20 Pay Whole Life, $25000 policy for example would be paid up in 20 years for the full face amount.  A term insurance policy does not have this feature so don't be confused by a 20 year TERM policy.  You also have reduced paid up options in a Whole Life contract by using the cash value to purchase a reduced face amount.]]></content:encoded>
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		<title>Answer on How Does Borrowing Against Life Insurance Work? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/how-does-borrowing-against-life-insurance-work#answer_844</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 11 Apr 2013 11:59:41 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/how-does-borrowing-against-life-insurance-work#answer_844</guid>
		<description><![CDATA[When you borrow against a whole life policy, which I do not recommend unless it is an emergency or special situation, you will get interest charged.  You do not have to pay the money back since the loan and interest will be deducted from the death benefit, however interest can accumulate and eat up your policy benefit, so you should always at least pay the interest on the policy.  In the case of a Universal Life policy, the same is true however because of the way the Universal Life policy is set up, loans can cause your policy to lapse if you are not careful.  Before taking a loan on any policy make sure you discuss it with your agent or if you can no longer find your agent, talk to an agent in your area you can trust.]]></description>
		<content:encoded><![CDATA[When you borrow against a whole life policy, which I do not recommend unless it is an emergency or special situation, you will get interest charged.  You do not have to pay the money back since the loan and interest will be deducted from the death benefit, however interest can accumulate and eat up your policy benefit, so you should always at least pay the interest on the policy.  In the case of a Universal Life policy, the same is true however because of the way the Universal Life policy is set up, loans can cause your policy to lapse if you are not careful.  Before taking a loan on any policy make sure you discuss it with your agent or if you can no longer find your agent, talk to an agent in your area you can trust.]]></content:encoded>
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		<title>Answer on How Much Life Insurance Should I Have With Kids? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/how-much-life-insurance-should-i-have-with-kids#answer_837</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 11 Apr 2013 11:06:18 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/how-much-life-insurance-should-i-have-with-kids#answer_837</guid>
		<description><![CDATA[I would recommend at least enough to pay final expenses if something happens. somewhere between $10,000 and $25000.  Insurance on a child is very inexpensive and it will take a big burden off of you if you have the tragedy of losing a child.  If the child lives then you can get the child off to a good base policy.  It has been my experience that young people think that they are never going to die.  Life insurance is the farthest thing from their minds.  By keeping a policy on them until they are old enough and responsible enough to handle their own insurance you are doing a loving thing for your child and protecting yourself from any financial burden if something happens.]]></description>
		<content:encoded><![CDATA[I would recommend at least enough to pay final expenses if something happens. somewhere between $10,000 and $25000.  Insurance on a child is very inexpensive and it will take a big burden off of you if you have the tragedy of losing a child.  If the child lives then you can get the child off to a good base policy.  It has been my experience that young people think that they are never going to die.  Life insurance is the farthest thing from their minds.  By keeping a policy on them until they are old enough and responsible enough to handle their own insurance you are doing a loving thing for your child and protecting yourself from any financial burden if something happens.]]></content:encoded>
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		<title>Answer on Does Auto Insurance Cover Medical Expenses? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/does-auto-insurance-cover-medical-expenses#answer_835</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 11 Apr 2013 10:47:28 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/does-auto-insurance-cover-medical-expenses#answer_835</guid>
		<description><![CDATA[Your Auto Insurance covers Medical expenses up to the limit of your policy if someone is hurt getting in or out of your vehicle or if you are in an accident under the Medical pay portion of your contract.  If the other driver is at fault you Medical Pay will pay and then collect from  the other drivers insurance.  Medical Pay is not designed to be a substitute for good health insurance and is limited depending on your policy to between $1000 and $10,000.  Keep in mind that there are difference n State Law so check with your agent to be specific about your State and Policy limits.]]></description>
		<content:encoded><![CDATA[Your Auto Insurance covers Medical expenses up to the limit of your policy if someone is hurt getting in or out of your vehicle or if you are in an accident under the Medical pay portion of your contract.  If the other driver is at fault you Medical Pay will pay and then collect from  the other drivers insurance.  Medical Pay is not designed to be a substitute for good health insurance and is limited depending on your policy to between $1000 and $10,000.  Keep in mind that there are difference n State Law so check with your agent to be specific about your State and Policy limits.]]></content:encoded>
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		<title>Answer on How Does Auto Insurance Work In An Accident? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/how-does-auto-insurance-work-in-an-accident#answer_834</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Thu, 11 Apr 2013 10:40:05 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/how-does-auto-insurance-work-in-an-accident#answer_834</guid>
		<description><![CDATA[It can depend on your State.  If you are in a no fault State, each company takes care of its own insured.  In most other States it works this way:  Insurance first follows the driver and then the car.  If I lend my car to my friend and he is in an at fault accident, his insurance pays first.  My insurance is secondary.  When you lend your car make sure the driver has insurance.  Otherwise your insurance will pay for his accident but it will go against you and you could get a big rate increase or be canceled at renewal.  
If YOU are in an accident, always exchange insurance information, regardless of the severity.  If there is any damage then you need to file an accident report with the police.  If you are at fault your insurance company will pay for any liability or property damage to the other vehicle.  Your insurance will help pay medical expenses for anyone in your vehicle under the Medical Pay portion up to your Medical Pay limit, usually between $1000 and $10,000 depending on your policy.  Your Collision coverage would cover your vehicle.  The reverse is true if the other driver is at fault.]]></description>
		<content:encoded><![CDATA[It can depend on your State.  If you are in a no fault State, each company takes care of its own insured.  In most other States it works this way:  Insurance first follows the driver and then the car.  If I lend my car to my friend and he is in an at fault accident, his insurance pays first.  My insurance is secondary.  When you lend your car make sure the driver has insurance.  Otherwise your insurance will pay for his accident but it will go against you and you could get a big rate increase or be canceled at renewal.  
If YOU are in an accident, always exchange insurance information, regardless of the severity.  If there is any damage then you need to file an accident report with the police.  If you are at fault your insurance company will pay for any liability or property damage to the other vehicle.  Your insurance will help pay medical expenses for anyone in your vehicle under the Medical Pay portion up to your Medical Pay limit, usually between $1000 and $10,000 depending on your policy.  Your Collision coverage would cover your vehicle.  The reverse is true if the other driver is at fault.]]></content:encoded>
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		<title>Answer on How Does An Auto Insurance Deductible Work? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/how-does-an-auto-insurance-deductible-work#answer_762</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 10 Apr 2013 11:09:59 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/how-does-an-auto-insurance-deductible-work#answer_762</guid>
		<description><![CDATA[A deductible is the amount you pay before the insurance company pays.  If you have an accident and there is $5000 damage to your car.  Assuming your deductible is $500, your policy would pay out $4500.  This is why sometimes I advise my clients not to turn a claim in.  If you have an accident and the damage is $600 and your deductible is $500, you could lose more by turning the claim in than by paying the extra $100 yourself because of possible rate increases due to the accident.  A side note, if you have an agent always call him first for advice.  Do not call the company unless it is an emergency.  If you call the company and ask them if an incident is covered and then decide to pay for it yourself, the insurance company will log that in as an accident against you, even though they do not pay anything out.  A good agent may not say anything to the company if he doesn&#039;t have to turn in a claim  Of course most accidents need reported if there is another person involved but say you back into a tree and damage your bumper.  You have $600 damage, your deductible is $500, you pay it yourself.  No report needs filed.  Calling your agent can save you that mark against your record.]]></description>
		<content:encoded><![CDATA[A deductible is the amount you pay before the insurance company pays.  If you have an accident and there is $5000 damage to your car.  Assuming your deductible is $500, your policy would pay out $4500.  This is why sometimes I advise my clients not to turn a claim in.  If you have an accident and the damage is $600 and your deductible is $500, you could lose more by turning the claim in than by paying the extra $100 yourself because of possible rate increases due to the accident.  A side note, if you have an agent always call him first for advice.  Do not call the company unless it is an emergency.  If you call the company and ask them if an incident is covered and then decide to pay for it yourself, the insurance company will log that in as an accident against you, even though they do not pay anything out.  A good agent may not say anything to the company if he doesn't have to turn in a claim  Of course most accidents need reported if there is another person involved but say you back into a tree and damage your bumper.  You have $600 damage, your deductible is $500, you pay it yourself.  No report needs filed.  Calling your agent can save you that mark against your record.]]></content:encoded>
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		<title>Answer on How Does Life Insurance Build Cash Value? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/how-does-life-insurance-build-cash-value#answer_761</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 10 Apr 2013 10:58:25 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/how-does-life-insurance-build-cash-value#answer_761</guid>
		<description><![CDATA[This can be complicated but I will try to keep it simple.  If you have a Whole Life Policy, the premium is based on how long you are expected to live, averaged out over that length of time the policy is expected to be in force.  Term Insurance seems cheaper because it is not designed to cover you for your whole life.  That is why the cheapest form of life insurance is one year term.  Every time a term policy renews the premium goes up until it eventually becomes unaffordable.  Because a whole life policy averages these premiums out, you are paying more in the early years than term but in the later years you premium would be less than term, since the policy does not need to renew.  The excess money collected in the early years is invested and after expenses the balance is put into the cash value.  They use a lot of complicated formulas to determine this but this is a simplified explanation.]]></description>
		<content:encoded><![CDATA[This can be complicated but I will try to keep it simple.  If you have a Whole Life Policy, the premium is based on how long you are expected to live, averaged out over that length of time the policy is expected to be in force.  Term Insurance seems cheaper because it is not designed to cover you for your whole life.  That is why the cheapest form of life insurance is one year term.  Every time a term policy renews the premium goes up until it eventually becomes unaffordable.  Because a whole life policy averages these premiums out, you are paying more in the early years than term but in the later years you premium would be less than term, since the policy does not need to renew.  The excess money collected in the early years is invested and after expenses the balance is put into the cash value.  They use a lot of complicated formulas to determine this but this is a simplified explanation.]]></content:encoded>
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		<title>Answer on How Much Life Insurance Should We Get? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/how-much-life-insurance-should-we-get#answer_760</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 10 Apr 2013 10:48:47 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/how-much-life-insurance-should-we-get#answer_760</guid>
		<description><![CDATA[That can vary according to your situation and the reason for purchasing the insurance.  Do you have debts such as a mortgage or credit cards you want paid off in the event of your death?  Do you just want to cover final expenses?  In the case of final expenses you need to consider not just the cost of a funeral but also possible medical bills that may be incurred, an emergency fund for your loved one, and a variety of factors.  Each case is different.  You need to sit down with a qualified insurance agent and discuss your needs.  A good agent will not just sell you a policy, he will consider your situation and find you an affordable plan.]]></description>
		<content:encoded><![CDATA[That can vary according to your situation and the reason for purchasing the insurance.  Do you have debts such as a mortgage or credit cards you want paid off in the event of your death?  Do you just want to cover final expenses?  In the case of final expenses you need to consider not just the cost of a funeral but also possible medical bills that may be incurred, an emergency fund for your loved one, and a variety of factors.  Each case is different.  You need to sit down with a qualified insurance agent and discuss your needs.  A good agent will not just sell you a policy, he will consider your situation and find you an affordable plan.]]></content:encoded>
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		<title>Answer on Does Life Insurance Help Estate Planning? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/does-life-insurance-help-estate-planning#answer_759</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 10 Apr 2013 10:43:01 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/does-life-insurance-help-estate-planning#answer_759</guid>
		<description><![CDATA[Life Insurance is essential in estate planning for a variety of reasons.  First, it provides an immediate death benefit that in most cases is very favorably taxed.  It can also provide living benefits in some cases to help pay the cost of Long Term care.  While it doesn&#039;t take the place of Long Term Care Insurance, a critical illness, accelerated death benefit, or long term care rider can certainly help with those expenses.  There are a variety of other reasons for using Life Insurance in estate planning.  Each case is different and requires a comprehensive look at your personal financial situation.]]></description>
		<content:encoded><![CDATA[Life Insurance is essential in estate planning for a variety of reasons.  First, it provides an immediate death benefit that in most cases is very favorably taxed.  It can also provide living benefits in some cases to help pay the cost of Long Term care.  While it doesn't take the place of Long Term Care Insurance, a critical illness, accelerated death benefit, or long term care rider can certainly help with those expenses.  There are a variety of other reasons for using Life Insurance in estate planning.  Each case is different and requires a comprehensive look at your personal financial situation.]]></content:encoded>
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		<title>Answer on What Is Comprehensive Auto Insurance And What Does It Cover? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/auto-insurance/what-is-comprehensive-auto-insurance-and-what-does-it-cover#answer_757</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 10 Apr 2013 10:32:18 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/auto-insurance/what-is-comprehensive-auto-insurance-and-what-does-it-cover#answer_757</guid>
		<description><![CDATA[Comprehensive coverage in most cases refers to Other Than Collision.  This would be theft for example, or a rock thru a windshield.  It would also cover you if you hit a deer or other animal and damaged your car.  It covers vandalism to your car as well.  I generally recommend Comprehensive coverage unless the vehicle is older and fully depreciated.  It can be worth carrying for the glass coverage depending on the cost in your state.]]></description>
		<content:encoded><![CDATA[Comprehensive coverage in most cases refers to Other Than Collision.  This would be theft for example, or a rock thru a windshield.  It would also cover you if you hit a deer or other animal and damaged your car.  It covers vandalism to your car as well.  I generally recommend Comprehensive coverage unless the vehicle is older and fully depreciated.  It can be worth carrying for the glass coverage depending on the cost in your state.]]></content:encoded>
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		<title>Answer on Does Home Owners Insurance Cover Lightning? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/does-home-owners-insurance-cover-lightning#answer_756</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 10 Apr 2013 10:25:33 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/does-home-owners-insurance-cover-lightning#answer_756</guid>
		<description><![CDATA[While you would want to check your policy, the general answer is yes.  Homeowners policies cover such things as lightening, wind, hail, fire, and a host of other perils.  So if lightening come in and destroys your TV, in most cases that would be a covered peril.  Check with your insurance agent to find out what your Homeowners Policy covers.]]></description>
		<content:encoded><![CDATA[While you would want to check your policy, the general answer is yes.  Homeowners policies cover such things as lightening, wind, hail, fire, and a host of other perils.  So if lightening come in and destroys your TV, in most cases that would be a covered peril.  Check with your insurance agent to find out what your Homeowners Policy covers.]]></content:encoded>
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		<title>Answer on What Does Life Insurance Do? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/life-insurance/what-does-life-insurance-do#answer_755</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Wed, 10 Apr 2013 10:20:29 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/life-insurance/what-does-life-insurance-do#answer_755</guid>
		<description><![CDATA[In addition to what Daniel Graham posted, many newer Life Insurance policies offer living benefits as well as death benefits.  Many policies have an Accelerated Death Benefit Rider.  This will pay a percentage of the face amount if the insured contracts a terminal illness.  This varies according to company.  Some contracts also offer Long Term Care benefits and critical illness benefits.  While Life Insurance was never meant to be an investment, it does create an immediate estate.  If you put $100 into a money market for example, and you die the next day, your beneficiary would get $100.  If you pay a  $100 premium on a new life policy with a face value of $100,000 and you die the next day, your beneficiary would get $100,000.  My point is that Life Insurance has a definite place in financial planning and with the living benefits many companies now offer, it is even more attractive.]]></description>
		<content:encoded><![CDATA[In addition to what Daniel Graham posted, many newer Life Insurance policies offer living benefits as well as death benefits.  Many policies have an Accelerated Death Benefit Rider.  This will pay a percentage of the face amount if the insured contracts a terminal illness.  This varies according to company.  Some contracts also offer Long Term Care benefits and critical illness benefits.  While Life Insurance was never meant to be an investment, it does create an immediate estate.  If you put $100 into a money market for example, and you die the next day, your beneficiary would get $100.  If you pay a  $100 premium on a new life policy with a face value of $100,000 and you die the next day, your beneficiary would get $100,000.  My point is that Life Insurance has a definite place in financial planning and with the living benefits many companies now offer, it is even more attractive.]]></content:encoded>
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		<title>Answer on Do Need Home Insurance On A Rental Property? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/home-insurance/do-need-home-insurance-on-a-rental-property#answer_687</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 09 Apr 2013 11:48:17 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/home-insurance/do-need-home-insurance-on-a-rental-property#answer_687</guid>
		<description><![CDATA[Yes.   There are policies available for rental properties.  As the owner you can be held responsible for injuries on your property even if your tenant as at fault.  In addition you also need to cover fire and other damage to the property.  I would also require my tenants to carry renters insurance.  While this is not an absolute necessity, it can provide you with additional liability protection if there is an injury that is the fault of the tenant.]]></description>
		<content:encoded><![CDATA[Yes.   There are policies available for rental properties.  As the owner you can be held responsible for injuries on your property even if your tenant as at fault.  In addition you also need to cover fire and other damage to the property.  I would also require my tenants to carry renters insurance.  While this is not an absolute necessity, it can provide you with additional liability protection if there is an injury that is the fault of the tenant.]]></content:encoded>
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		<title>Answer on How Much Is Medicare Part D Penalty? by Ted Ratliff</title>
		<link>https://www.insurancelibrary.com/medicare-insurance/how-much-is-medicare-part-d-penalty#answer_682</link>
		<dc:creator>Ted Ratliff</dc:creator>
		<pubDate>Tue, 09 Apr 2013 11:29:58 +0000</pubDate>
		<guid isPermaLink="false">https://www.insurancelibrary.com/medicare-insurance/how-much-is-medicare-part-d-penalty#answer_682</guid>
		<description><![CDATA[This penalty is 1% per month of the national average set by Medicare.  Generally this is around $35.  This is added each month you do not sign up when you were eligible and did not have creditable coverage from a group or other plan and it never goes away.  We suggest picking up a low premium Part D plan even if you don&#039;t currently have any prescriptions.  Those penalties will add up over time.]]></description>
		<content:encoded><![CDATA[This penalty is 1% per month of the national average set by Medicare.  Generally this is around $35.  This is added each month you do not sign up when you were eligible and did not have creditable coverage from a group or other plan and it never goes away.  We suggest picking up a low premium Part D plan even if you don't currently have any prescriptions.  Those penalties will add up over time.]]></content:encoded>
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