Allianz Travel Insurance Question My wife and I were about to go on a trip next week. We purchased the Allianz travel insurance (we usually never do) but our tickets were almost $2k so we did this time. My mother in law was supposed to watch our two dogs during our trip. Unfortunately she just found out her mother (wife’s grandmother) is very sick and likely to pass away soon. …

Unpaid debt life insurance My dad recently died. He had a decent life insurance policy that all goes to my mother. About 4-5 years ago he stopped paying his credit cards and never filed for bankruptcy. Do I notify the creditors? Will they just find out? My mother has plans for his life insurance money and I’m trying to stress to get that it probably is not hers to spend y…

Employer provided insurance costs Hello all. Not sure if this is quite the appropriate sub. I’m interviewing for new jobs, and got an offer last week. The salary is a decent bump for my profession — $57k (current) to $65k (offer). However, looking at the benefits, the medical costs are (at minimum) $406 / month, pre tax. That’s health, dental, vision. To get a comparable medica…

Travel Insurance above and beyond value of ticket? Some background: I am planning to go to the Paris Olympics in 2024. One of my relatives is very likely to compete in this Olympics, so my family is making the trip. As everyone knows, the Olympics is very expensive. Flights are starting to be scheduled, so we have started thinking about them. We are likely to try to fly NYC/Boston to Paris and w…

Phone Lost – Insurance Claim Currently in Barcelona and went hiking today only to have someone bump me from behind and my phone went tumbling down the mountainside. I know each policy differs but are lost phones generally covered under baggage or trip interruption (or neither)? My policy doesn’t really go into detail on phone loss unless it gets lost with baggage in a fligh…

Car insurance after a fault wreck. I recently just had my first at fault wreck. I backed into a parked car… The claim was 1700 dollars so too big to be forgiven with the small accident forgiveness program offered by progressive and I haven’t been with them long enough for the large forgiveness. I don’t think my rate will change until the next billing cycle which isn’t until Oct…

Avoid These Car Insurance Sites When You’re Shopping for Quotes No one likes to constantly get calls, texts, and emails with car insurance quotes from countless companies—even long after you’ve already purchased a policy. If this has happened to you, you probably used a quote comparison website to save yourself time, instead of calling individual insurance companies. Read more…

What should my dad do about his whole life insurance? My father has had whole life insurance since 1995. He is 61yo, still currently working but doing very well financially, doesn’t need to work anymore but enjoys working. My mother (60) is the beneficiary and does not work. He has 3 adult kids who are also all doing well for ourselves and don’t need his death benefit. He wanted advice on what he …

Travel insurance for frequent, short trips I live in the US near the Canadian border and often visit. I have a severe health condition and once wound up in a Canadian hospital being forced to pay over a thousand dollars out of pocket BEFORE they would provide emergency treatment. Needless to say I have purchased private insurance every time I’ve visited since. The thing is, I’m usually o…

Why is my car insurance so expensive 21yo(M), it started out at $330 because i was a brand new driver but I left a slight scratch on someone else’s car a couple months ago and insurance did their thing. But my monthly is being boosted to $660 a month, should I just sell my car and Uber everywhere at this point? It would literally be cheaper in my area. submitted by /u/Heylil…

Trip insurance is more expensive than I thought! My husband and I (73 yo) are traveling from the US to Germany in the next few weeks, where we’ll rent a car and explore the country. We don’t usually get travel insurance, but it seems like a good idea this time. I didn’t realize it would be so expensive to cover the car, flights, and hotels. The quote I got from Allianz was about $1700. Is that…

Help Choosing Job Insurance I am a relatively healthy female with no pre-existing conditions. I only take birth control and occasionally some Ambien. https://imgur.com/a/e7oPptP HSA – $22 per pay period POS – $51.50 per pay period Kaiser – $43.50 per pay period submitted by /u/ami10

Mom wants me to take over her life insurance payments but I’m not sure if it’s worth it. My mother recently told me she’s been paying $99 a month for the past 30 years for a $100,000 life insurance that will pay upon her death, it’s not term limited or anything like that. I would’ve told her to stop 15 years ago if I would’ve known, she’s retired and has her 401k and social security check but no other income. She’d like my sister a…

Advice for getting money out from a life insurance policy? Greetings r/personalfinance ! I’ve seen lots of advice on here for investing on your own rather than going with a financial advisor. Alas, I did not have such sage advice when I was starting out ten years ago and started up a whole life insurance policy through NM with a financial advisor thinking it was a great idea. In addition, several years …

Life Insurance cash-out My grandparents generously set up a whole-life insurance policy in my name when I was born. As I’m now in middle age, I have a 401k, a brokerage, and an annuity upon retirement. I have no kids. My house is very near paid off. The insurance policy is for $80k. It’s just…not that much. My wife will get everything if I die, as well as her own reti…

Should I be worried that my mom has a Universal Life Insurance policy? Hello, my mom who is 70, has AIG’s universal life insurance. The policy amount is $100,000 and she’s been paying $87/month ever since she got it 17 years ago. She used to have a term policy, but I was a dummy and didn’t know what I was talking about and said she change her policy. I deeply regret this. She threw away any original forms and docum…

How much life insurance for care of individual with special needs? Currently own a US$250k policy through my employer. Adult son (21) has Down syndrome. No physical ailments at this time but he is non-verbal and unable to sustain himself. His 24yo sister is beneficiary on the policy and will become his Guardian if I am gone. She had planned to go to med school but has since switched to PA school. I am thinking …

I don’t know who needs to hear this, but buy the travel insurance Airlines area across the board awful these days. Travel Insurance will make delays and cancelation a whole lot less painful. Also the company you buy from matters. Some are definitely better than others. But I’m guessing most people here know this. I’ve just spent way too much time on the airline Reddits. submitted by /u/MasterBeanCounter…

Fraudulent loan taken out against my mother’s life insurance policy Hi all, I hope that this is okay to post here. I need some guidance here. My mom has a long standing life insurance policy with MetLife since the 80s. Over the years, she’s moved and I suspect she never updated the address to her current address. Fast forward to 2022, my mom started to get mailings from MetLife at her current address, ie Annual …

Questions about travel insurance and European health insurance The situation: I am a USA/Polish citizen who is traveling to Denmark to study for two years. I leave this August. I would like to have insurance. That being said, I have little to no experience dealing with insurance outside of the USA. I do plan to travel (and ofc come back to the USA for some holidays) while I’m there so an insurance that wil…