The Life Insurance Company For all your insurance needs

I’ve asked this question here and elsewhere before but have never received a single solitary answer (except spam). Why is it so hard to find a site or get a response from someone saying–"yea I compared about 5 insurance rates and the cheapest was ABC Insurance". You would think tens of thousands of people have the same question. (Auto and Life Insurance Comparisons are a dime a dozen so why not home/fire insurance–is there a conspiracy?!.) Surely at least one person has actually done a price comparison of homeowners insurance and shared the results! Why then is this info so impossible to find anywhere?
Thx.

Well, because not all insurance companies write in all states. And, if you’re in Akron, have a 10 year old brick house with $200,000 cost to rebuild, the company that’s probably going to be cheapest for you, would NOT be cheapest on a 50 year old frame house in Medina that costs $200,000 to rebuild.

The company that’s cheaper for someone with a lower credit score, might not be cheaper for houses valued under $150,000.

Here are the rating factors, besides insurance limit, that influence pricing the most:

Claims history – both yours and the house
Protection class
Age of the house
Types of Updates
Construction Type of the house
Credit Score

ANY ONE of these factors, can skew the "best rate" from one company to another, or a third. Each company choose it’s OWN "target market" – the kinds of houses they WANT to write, and then price their policies accordingly.

So, you CANNOT get an answer that’s valid for everyone. Just like, what size jeans do I need? Just because one size fits YOU best, doesn’t mean it will fit me AT ALL.

There is no short cut. To find the cheapest for you, you have to shop around. SOME state insurance websites, will give you a ‘generic’ price comparison – but those prices are subject to underwriting, and when you CALL for those prices, you’ll likely find that they are for a condition that you DON’T have with your particular house.

And, FYI, all those online comparison websites, they harvest your personal information to sell to agents as leads. Even the auto/life ones. Their numbers aren’t accurate, either.

Life Insurance, Income Protection, Home Loan, Credit Card, Travel Insurance & Electricity rates comparison. Compare with us & save today!

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My husband has full legal and physical custody of my step-daughter. Her mother willingly gave custody to him and she has no role in the child’s life (she lives 5 minutes away but hasn’t seen her or talked to her in about 4 years). I am Mom and doctors, teachers, etc see me as such. Most of her health insurance is through my employer and I pay for it. If daughter was to choose where to stay if something happened to her dad I am very confident she would want to stay with me (she is ten). My question is this, if my husband passed away, who would likely get custody of my step-daughter? Would her mom possibly get custody even though she signed it over to my husband? Would I be likely to get custody? Would husband’s parents be likely to get custody? I guess I want to know where I would stand in relation to my daughter’s biological mom and her grandparents. In comparison to her biomom and grandparents, I have had the biggest role in her life since I married her dad 6 years ago. Any thoughts? We all live in Indiana.

If you are concerned about what might occur should something happen to your husband, he should have a will drawn up naming you the guardian for the child. He should specify why the biological mother is not an adequate guardian. Be aware that his choice in the will is not binding on the court; it is merely a factor that is considered by the court in making such an important decision.

Despite being one of the richest in the world it ranks according to the WHO as 37th in the world. Where doctors are paid exceedingly high salaries and people aren’t getting the care they deserve. According to wikipedia, "Health care costs in both countries are rising faster than inflation." At this rate it’s like the housing market, a bubble about to burst!

Forbes states that "The US spends 15% of its GDP on health care–with little to show for it. In 2006, almost 16% of the population lacked health insurance." Among nations in the world, America far exceeds the second highest spending country-Switzerland (but they have the results to show for it).

Of the top ten healthiest countries in the world, America isn’t even one of them. Japan having an average life expectancy of 73.6 years of age. Other top ten countries are located in Europe.

Is it because the whole system is focused on sick care instead of wellness care?

http://www.photius.com/rankings/healthranks.html
http://en.wikipedia.org/wiki/Health_care_in_the_United_States
http://en.wikipedia.org/wiki/File:International_Comparison_-_Healthcare_spending_as_%25_GDP.png
In addition, why is the United States the ONLY industrialized country that allows drugs to be directly marketed to consumers? Straight from the BMJ…

http://www.bmj.com/cgi/content/full/330/7481/5

For the simple reason that it puts profit before people.

Aries (March 21 – April 19)
Excellent day to make strange mouth noises, particularly in a crowded elevator.
Taurus (April 20 – May 20)
You will develop a passion for Cajun cuisine, and will refuse to eat anything that hasn’t been "blackened." Your family will draw the line at blackened corn flakes, however.
Gemini (May 21 – June 20)
Today you will be struck by an odd thought. It will do little actual damage, fortunately.
Cancer (June 21 – July 22)
This might be a good time to consider night school. That’s night, not knight. Unless you enjoy clanking around in armor, of course. Some people do.
Leo (July 23 – August 22)
Remember: it’s a pride of lions, a gaggle of geese, and a murder of crows. More important for you today, though: a group of budgies is a "bludgeoning. "
Virgo (August 23 – September 22)
Stay home today, with the curtains drawn and the door locked. Trust me on this one.
Libra (September 22 – October 22)
Beware of bubonic plague today. Other than that, things will be fairly normal.
Scorpio (October 23 – November 21)
You will be walking along today when you overhear someone making a snide remark about you, drawing an unflattering comparison between your personality, and landfill. A snappy reply will occur to you, sometime late next week.
Sagittarius (November 22 – December 21)
You will discover a bassoon player hiding in the shrubbery. That’s not something you should try to deal with yourself — call in the professionals.
Capricorn (December 22 – January 20)
Today will be the best day of your life, if you can just remember … er … now what was that? Hmmm. If you can just remember something really important. Otherwise, no. Hmmm.
Aquarius (January 21 – February 18)
This week, you’ll discover a trick to make those meetings seem more interesting. Imagine that everyone else has a ferret clinging to their head.
Pisces (February 19 – March 20)
You will develop the extremely rare "Perkin’s Disease", and will start having a strange compulsion to shoot things with tranquilizer darts, or sell insurance. Plus, you will try to trick your friend, "Jim", into wrestling a giant anaconda.

I’m aries. hmmm think i would be carried away by men in white coats

A lot of background may be needed to see why I feel these three options are the only ones available to me but I do not have the desire or space with which to outline all the variables leading up to this point.

I have been diagnosed at various times in my life with various mental ailments. I have been labeled majorly depressed, told I have ADHD, diagnosed with Anti-Social Personality Disorder, or some combination of all three.

I should tell you that I do not have much faith in psychology as a science capable of curing. I know they can treat and counsel but I have never heard of a person cured from depression or ADHD or a personality disorder. It just doesn’t happen. I do not have money or insurance for a prolonged medical stay and medication. I have been hospitalized in the past and never felt as though I truly received anything of value. I never felt as though I belonged. It always made me feel as though I functioned fine in comparison to some others. I think hospitalization should be reserved for people who are a danger to themselves or to others and I have not reached that point… yet.

Though, there is something to be said about a warm bed and three meals a day.

Incarceration also offers three meals a day and a warm bed but it carries its own dangers as well. Once you are in you stay in until you are released. I have also been incarcerated before, for five years. I am relatively confident I could survive it again if I needed to. But I shudder to put myself in a position where my decisions are no longer my own. Though to be honest, my decisions are not the best by anyone’s standards, including my own.

Homelessness is the option which will allow me to retain the most personal freedom, but which is the most difficult of the three to bear. I have had the fortune to be homeless in the past for a period of 6 months. It was a very hard life, never knowing where the nest meal will come from, and I am afraid that for most people the ultimate course homelessness leads them onto is either death, hospitalization or incarceration. So a choice to go down this road may just end up leading me to one of the first two options… with the added negative that I may end up severely hurting myself or another before being incarcerated or hospitalized.

I am willing to provide more information if people feel it is necessary to give me an honest answer. But it should suffice to know that I truly believe these to be my only three options at this point. And I would like, if possible, to make a decision that will cause the least amount of harm to myself or to others. Excluding suicide. I do not have the desperation or strength of character for that.
Jayne, I am capable of being employed and have been in the past. However, as I mentioned I was incarcerated previously for 5 years and that is one heck of a black mark in a crowded, over-competitive job market. I live in Michigan. My home county has over 10% unemployment. With my checkered work history and previous incarceration I have been unable to get a job. And I am 33 years old, so I do not qualify for Americorps.
Also, having been previously incarcerated, I am considered unfit by every branch of the military. And, additionally, I do not believe in our governments discretion in the use of force. I will never allow myself to become their blunt tool. If I am to die or to kill, it will be for a cause of my own choosing; a cause I can believe in.
In order to become incarcerated my plan is to enter a bank with a note. I will hand the note to the teller. The note will simply state: "I am robbing this bank but I do not want your money. I have no weapons and I will not harm a single person here. I will not leave until you have called the police and informed them that a robbery is in progress."

Given my previous record, a charge of felony bank robbery should put me away for a considerable length of time, if not for the rest of my life.

Tough choices~not judging you at all but there is obviously alot more to this story then you have posted. First off being homeless is something you would never want. You already know this from experience and I wouldn’t wish it on my worse enemy. The elements the loneliness and the hopelessness are unbearable.

Incarceration is no fun either~you would need to commit a serious crime in order to get incarcerated for a long time.

Hospitalization would be my first choice of your three options. Im sure you have reasons for doubting if it will work~probably prior experience as well. You can always go to a county facility and voluntarily admit yourself and not worry about not having health insurance. That would be my advice to you and a starting point. From reading your post I can tell you are extremely depressed and it is clouding your judgment otherwise you would not feel that these are your only three options.

Worse case scenario and i’m not joking~ you try the hospital and it dosent work for you….then you are left with your other two options……..if you go to jail, eventually you will get out and be right back where you started from….your choice then the hospital or be homeless.

Please seek mental help~go voluntarily admit yourself and give it a try once again…………….the worse that could happen is you will be right back here contemplating your other two choices.

Best of luck.