accident and dismemberment supplemental insurance?

Question

im looking for a supplemental insurance company tha pays you back some of youe monthely premium when you dont have a claim for that year. does any one know the name of a company?

Answer 1

you wont find that feature on a true accidental death and dismemberment policy, you could find it on a life policy, disability policy and some other forms of insurance. Generally the terms needed for a return of premium is several years vs just one year. There are a number of companies that may be able to offer you a product to meet your needs. The first two that come to mind are METLIFE and AIG. CHUBB may also be a consideration depending upon the actual type of insurance you need. Disability insurance if you can afford it is much more desireable than the other types of insurance mentioned as your more likely to become diabled than to die but the life insurance protect is still very important if you have a family that would suffer catastrophic consequences upon your untimely death.

Answer 2

Some disability insurance policies have a refund of premium if you dont file a claim. I would personally shy away from accident and dismemberment policies and look for a disability policy that pays for lost income not an accident policy. Your medical insurance will cover an accident. Illinois Mutual is a good blue collar disability insurer. Principal is a good white collar insurer. Provident may be a solution for you as well.

Answer 3

Well, the reason why they pay you back is because they overcharge you to begin with. And you're not guaranteed a pay-back, it's only if the company makes money on that line of business for the year. And it usually takes 18 months AFTER your policy expires to get the money from them. AND, it's usually for policies that are at least $5,000 in premium.

IF you're still interested, look for a regional mutual company that writes that line of coverage, or find an agent that writes for Cigna.

Answer 4

Contact me at [e-mail]. You are looking for a return of premium plan. There are various different ways to get your money back.

Also, there is a bridge or gap plan that will pay you back when expenses are applied to your out of pocket expenses.

Also, AFLAC pays you money for things that happen to you that will help you pay not only related expenses, but those expenses that are not covered under insurance. You do not even have to have other insurance in order for AFLAC to pay!

Email me, I CAN HELP YOU!!!!

Answer 5

I've never heard of such a policy, but I am only familiar with insurers in New York State.

Answer 6

you won't go with to pay attention this, yet you're at fault. The reasoning coverage will use in this occasion is which you weren't conserving a secure following distance or weren't paying interest. whilst you're taking a glance on the drivers instruction manual it says (in NJ) to maintain one vehicle length between you and the vehicle in front of you for each 10mph you're traveling. working example, employing at 50mph means you'll have a distance of 5 vehicle lengths between you and the vehicle in front of you. inspite of the reason the vehicle in front of you slammed on its breaks, in case you have been conserving a secure following distance, paying interest, and your vehicle grow to be good maintained, there must be no reason in the back of you to strike the vehicle in front of you. particularly, no longer a lot of human beings abide by way of this elementary rule of thumb besides the fact that it remains the main suitable suited part of do in case you do no longer go with to reason a fender bender.

Answer 7

Yoy want the money in end of the year or something like that? It doesn'y exist yet.