Im looking for a life insurance agent who can explain the current policy we have and advise the best way forward. Any recommendations who we can reach out to?

Wondering if anyone has experience with something like this. We bought a house (with a mortgage) a little under 2 months ago. We were told by our agent to push off the insurance inspection as much as we could, as the house was in need of renovations and we would be doing them as soon as we closed. We did "too good" a job pushing it off, and we got a cancellation warning that it would be cancelled Aug 4th because the inspection wasn't scheduled. We then scheduled the inspection to take place on August 4th, which happened. In the meantime, the insurance company cancelled in the insurance because apparently the inspection needs to be uploaded in their system to retract the cancellation (even though the letter only specified that it was cancelled because the inspection had not been scheduled) We spent the week trying to get it reinstated, only to find out at the end of the week that the inspection had failed, and under normal circumstances, they would give a warning period, but since the insurance was already cancelled, they would not reinstate. We don't really want to go the force placed insurance route (for obvious reasons), but it's going to be tricky (/expensive) to get regular (and in this case, regular really means surplus, I think) insurance. There's hopefully only 2 more weeks until the renovations are done, and then it should be extremely straightforward for us to get regular insurance. Is it worth it for us to get the surplus insurance? Will the lender definitely put the force placed insurance on us? As of now, they are still showing that we have coverage (even though we don't). I know there's something about a 45 day notice prior to billing for force placed insurance, but no one has been able to tell me if that's just for billing (and they will definitely retroactively charge me for the gap, just after a 45 day notification period), or they will only start charging me after 45 days, and if I get regular insurance in the 45 day period, they won't charge me at all.... (sorry for the megillah!)

Hi all, I currently have Statefarm auto insurance and it's costing me $380/mo, which I think is exorbitantly expensive. I would like to switch to something less costly. I've heard that Geico is good, but I've also heard that their coverage can be stripped down. I've gone through their quote workflow online (great UI!) and their quote came out to like 190/mo which seems more reasonable. Never shipped around for car insurance though, where's the best place to start?

Anybody has experience with United Refuah HealthShare I've read a lot about them including past conversations on this platform My question is not regarding the risks or benefits but more on how the experience was when actually needing to use it

What's the recommended method to calculate how much (term) life insurance to purchase?

til When you are in a car accident and you are not at fault you call the other person’s insurance company, not your own

Anyone have tips for trying to get a higher amount from the insurance company for a totaled car?

financial aid is capped at $43,000 for a family of six? and they refuse to send me a copy of the poverty guidelines 😤

Hi, im looking for cheap health insurance in nyc. Im in between jobs atm, and cant afford hundreds of dollars a month for health. But obviously dont qualify for medicaid etc because of my high paying job I had until June.

Hi, Currently deciding between a high deductible plan and PPO for medical insurance. Pretty sure I understand the differences, pros/cons etc, but I keep seeing advice (or people's experience) that it makes more sense to go with PPO if you have a family. BH we are a family of 6, but am still leaning towards HDP - the difference in premium between that and the PPO is ~$3000. I understand that my OOP costs will be higher, but won't I have more cashflow since less will be going towards the premium? In the past we've had moderate usage, which indicates to me that in a low usage year, we would come out ahead, and in a higher usage year, we would be spending around the same as we would for PPO. (With the additional benefit of the HSA...) Anything I'm missing when thinking about this? Is the advice to go with a PPO for a family more of a psychological one than anything else?

Kosher Money episode on health insurance:

In NJ, is there a tax penalty for being on a Health Share, and not having traditional health insurance?

Any recommendations or advice for auto insurance in Massachusetts? Just added a new driver and the premium went through the roof!

Hello, I know I’ve asked this before, but I’m trying again in case I can get new recommendation. Can anyone recommend a life insurance broker, preferably an independent agent?

A family member was at fault in a minor accident over the summer. The car’s bit banged up but still drivable. The other driver didn’t report anything to insurance, but family member did go to the hospital for monitoring (everything okay, bh) and got a $500 bill. There was a police report filed at the time. At this point, would you report it to insurance so they cover the hospital bill and fix damage, or just pay it out of pocket and move on?

A family member was in a no fault accident a few days ago and my van was totaled. (Chasdei Hashem, everyone is more or less ok) I am hearing conflicting opinions on whether to make a claim through my insurance (and they will have to resimburse themselves by going after the other insurance) or if I should make a claim directly to the other insurance. My questions are as follows: 1. Is there a bigger chance that my premiums will go up if I go directly through my insurance? 2. Should I expect the reimbursement process to take longer if I go through the other drivers insurance? Also, should I be asking any other questions or can anyone offer any other advice? TIA

Interview with the head of United Refuah Healthshare. Seems super Informative. Discuses many of the pros and cons vs traditional medical insurance (Disclaimer: I've been with them for over 2 years)

What are the pros and cons of signing up to a hospital indemnity insurance plan? Is it considered a good choice for a young women (in her 20s)? What about other household members?

Is anyone here a Progressive agent? I was going to sign up online, but would happy for someone to make a commission

My work offers a healthcare FSA which I elected to use starting September, used a good amount already. My husband’s company is being bought and all the insurance plans are pretty bad except the HSA one… is there a way for me to enroll us in the HSA one and somehow get out of my FSA?

thoughts on combining areivim with term insurance? If areivim provides 100k per child, is it equivalent to the same $ amount of term insurance?

After accounting for premiums + expected medical costs, how much more per month is it usually worth paying for an HSA? Is something like $20/month extra a reasonable tradeoff to be able to max out an HSA, or does that generally negate the advantage?

Rates vary a lot and it's hard to compare them. I would get a few quotes. You should also make sure the company has a good financial rating and a good reputation. You do want someone who will be there if you file a claim.

I have comprehensive through Geico does anyone know if they would cover an ECU being fried due to improper jumpstarting (I asked them via online chat but they said they assume as much but I need to call and the rep I got when I called the number I got in the chat was also unsure and needed to transfer me). Also would this make my premium go up?

going to by a used car soon (iyh) all cash. Should i get comprehensive insurance? Part of why im getting a new car is because the old one was crashed into and I didnt have comprehensive and is still taking a while to get a payout.

Anyone know how travel insurance works if I plan on driving to Canada with my own vehicle and won't have any formal "proof" of departure and return date? (I spoke to a supervisor at Allianz and they say I likely won't be covered in the event of a claim. They do not except gas receipts or EZ-pass records as proof.) Any insight? Or recommendation which company to use?

In New Jersey there is a penalty for not having health insurance, what do people on United Refuah healthshare do?

HSA: 1. do you need to hold any amount as cash in the account or can you invest all of it? 2. do you need to have a HDHP? OR can you contribute to a personal HSA if you have no insurance at all?