what is the best insurance to buy for a 23 year old with a wife and baby on the way?
98115
Universal Life.  It is cheap builds cash value and never expires. I have a policy on me and my six year old for 87.00 a month I got mine when I was a little older.  The thing with term is it expires and if you have a 20 year policy then when it expires you are left with no insurance and it will be outrageuos(sp) to  repurchase.
200907
renters or homeowners insurance.  also, get a rider for additional personal liability.
247076
If you're single I can't imagine why you would want life insurance, unless you KNOW you will start a family someday.  An annuity may be alright later in life but if your young there are better ways to save for retirement.
940221
The homeowners insurance will pay for everything.  It's why as a home owner you carry insurance, just have your boss call his agent and explain that he and his friend were doing some roof work or hanging lights whatever and then give it to the emergency room.  he should carry at least $100,000 worth of coverage, and tell him his rate won't jump so not to worry.  Get your hubby fixed up and split the deductible.  Everyone's happy.
889975
the thing is as a Life Agent they insurance companies that I work for would want to know why you are covering your children for $500,000.00 now you could pull a policy on yourself with no issue and that $11,000.00 you are looking at paying would be better for you you would be paying way over the needed amount to cover your children with compounded interest and everything if you are looking at pulling this type of policy I would love to help you with it I do not work for NY life but would be able to give you pointers as well as maybe show you a few other companies depending on the state that you live in that would maybe be better back to covering the children I know that all the companies I work for would wonder why you would insure your child for more then $200,000.00 without good reason IM me and I will see what I can do my IM is rahnside\nA Life Insurance Specialist\nRahn Sidebotham II
605869
if you're a self employed family, you could probably still get a group insurance plan with your home based business as long as it was at least 3 people. I'm sure you know that a group plan has benefits over a single plan such as treating pre-existing conditions and no time limit on start of benefit, etc.
918984
Check into a reputable insurance co.  Not one offered by the bank or broker.  You can get a much higher return if you go directly to an insurance co.  Rollover your 401K to a Fixed Annuity if you like safety and want to see it grow and no risk of the market.  Hope that gives you some info.
1002236
IF $$IS A CONCERN TO CAN GO TO YOUR LOCAL PUBLIC AID OFFICE. MOST CITIES HAVE WHAT THEY CALLED A "WELL CHILD/BABY"                                  ' PROGRAM. THIS SERVICE IS FOR WOMEN AND FAMILIES THAT HAVE LOW INCOME OR NO INSURANCE. AND IT WILL COVER ALL OF YOUR PRENATAL, HOSPITAL, AND DELIVERY COSTS. IT  WILL ALSO COVER YOUR CHILD'S MEDICAL EXPENSES UNTIL HE REACHED THE AGE OF 6 IF NECESSARY
198622
What kind of insurance? Life? Health? Driving?
1073336
Base on your description, it is impossible to get a good rate. Rates that are advertised online or on TV are for people with perfect health. No matter what type of policy you get, cash value or term, it will be very expensive for you and your husband to even get $100,000 coverage (premiums are at least $2000/year).\n\nMy only advice is to look around for companies and find which one offers the lowest premium. It is better that you find out by calling the insurance company directly instead of filling stuff out online.
210809
There is not one company that is cheapest for everyone.  It will vary be driving history, credit score, age and other factors.  I would contact several local agents to compare quotes. Here is a directory - http://www.findlocalinsurance.com
335662
Disability insurance is great, and I highly recommend it. Think about it, if you are young you are much more likely to become disabled rather than to die. Disability is an excellent product. Aflac is good, just make sure you really read the policy that you choose from them, some are much better than others. Good Luck!
1132689
There are several good plans available in Florida.  Price is going to be a function of where you live and how old your daughter is.  Not all companies offer plans in all areas.\n\nThe best and most affordable health plan will be with Aetna, Blue Cross (BlueChoice), Humana, or United Healthcare (Golden Rule).  It depends where you live.  All are good companies ("A" rated by A.M. Best) with good coverage.\n\nPremiums are regulated by the Florida DOI (except UHC is regulated by the Illinois DOI and they do not regulate premiums).  Your best bet for a low premium is to look at deductibles of $1,000 to $2,500 with co-payments for Doctor visits and prescriptions.  These higher deductibles offer considerably lower premiums and can save you hundreds of dollars a year in premium.  \n\nIt is a question of managing your risk effectively.  Individual health insurance is medically underwritten.  This means that if you are not healthy and your are going to cost them money...you will be declined or the pre-existing conditions will be ridered (excluded) or rated up (price increase of 25-100%).\n\nOn the other hand, if  you are healthy you probably won't be using your health insurance for much more than preventative care.\n\nAetna, BCBS, and Humana all have good preventative care benefits that are NOT subject to the deductibles.  They also have co-pay options available or included in the product.\n\nI hope this helps.
859429
If you are self employed, you and your husband could get a health insurance plan through an agent in the yellow pages - look under "health insurance" and request quotes and plan comparisons. \n\nSome plans are affordable - Blue Cross/Blue Shield and Aetna. But you could compare plans and quotes online through reputable health insurance quotes services. That way you can review the plans at your convenience with no pressure.\n\nTwo of the leading health insurance quotes providers are:\n\n1) InsureMe - they give you up to five free health insurance quotes from top-rated health insurers nationwide. To Request a free, no obligation quote, Go to - http://www.insureme.com/landing.aspx?Refby=613598&Type=health\n\n2) eHealthinsurance.com offers you side-by-side quote comparisons from a large network of health insurers across the country. eHealthinsurance has more than 900,000 clients in the U.S.\n\nReview all Exclusions inlcuding any Pre-Existing Conditions Exclusions before you buy. Also, understand how the Co-Pay works so you know how much you'll pay out-of-pocket per claim.\n\nAlso, ask the health insurance company if you can deduct your health insurance premiums, since you're self-employed.\n\nI hope that helps you find an affordable self-employed health insurance plan. Good luck.
212935
Get a suplemental insurance.
213101
They don't offer it because it's so expensive. Call around and get prices. Start with Blue Cross and Blue Shield. Do you have auto or homeowner's insurance? If so, call them, maybe you can get a discount.
88661
You need to find a good agent to recommend the best carrier but in order of least expensive to most expensive\n\nHMO, POS, Direct Access, PPO\nYou may be able to get by with the HMO with a hospital copay rider and prescription card. It wont be the absolute cheapest but good coverage with low risk exposure. I'm not sure where you are from so its hard to say what company is best in your area.