I'm a 38/f with 3 young kids. I did an online application for term life insurance (no exam) with Ladder for 750k/30yr. I have no medical issues other than familial high cholesterol controlled with statin, non smoker, no pre-existing conditions etc. They quoted me at 117 a month. I know no exam is generally higher than traditional, but this seems off to me. Is it me, or is this very high? Could the cholesterol be that much of a factor?

Location: perth wa Last year my partner got rear ended in march 2024 while they were on the way to work. Got admitted in Fiona stanly for three days to do test and scans and lodged the claim with insurance commission of wa . They kept asking documents and stuff for 4-5 months yesterday (after 1 year going back and forth)got payed $787 from insurance commission as one of payment as a loss of salary while they are still not capable to be back to work. Is it worth proceeding it with legal ways to get compensation for the loss of salary. Salary was $950 average a week. Thank you

I was driving east on 71 headed home for the day after work when someone pulled out from a stop sign on Albert Brown Drive. I was luckily able to maneuver around the person without making any contact with the vehicle however in doing so my vehicle spun out and landed in a ditch. Vehicle is totaled, my head was bleeding from a minor cut, cut on my leg, bruise on my shoulder, little bit of neck pain but the worst was the red mark on the back of my ribs and a coupled ribs being bruised. Sucks I had just bought the car not a month ago and was a fairly rare 1993 Volvo 240 sedan that was black on black with chrome accents, super slick car and I looked forever until I could find it. Geico called me and said how usually this is an odd case because there was no contact with the other vehicle however the driver and police report said it was his fault so Geico is wanting to offer me a settlement. they offered $2,450 as basically "we sorry" this happened and will still cover the medical expenses from the ER and the vehicle cost's. Just not sure if I should take the offer being the wreck caused me to lose two days of work at one job and haven't been able to go back to my other job since I don't have a vehicle. Also I have racked up close to 300 dollars on Lyft rides, plus 150 to have my totaled car taken home and have my girlfriend leave work to drive 30 minutes to get me and take me to the ER. Also missed one of my best friends birthday parties the day after the accident and haven't been able to go back running or working out since the accident. I'm debating on hiring an attorney but resistant since my medical injuries were not severe. Also I have no idea how much they will pay out for the vehicle and online says 2000-7000 just sucks cause I can't find another car like it and not to mention I just spent 600 plus dollars on parts for the car. If anyone has had this similar experience what did you do, did you take the initial offer, negotiate with the insurance company or go through an attorney. I greatly appreciate anyones advice and input. Also if anyone has a 2001-2006 Honda CR-V for sale that's what I will be looking for once this is settled.

I'm starting a new job in a month. It's remote, and I live in southern Arlington, VA. The health insurance the company provides is Blue Cross Blue Shield of Michigan, because it's a Michigan based hospital. My to-be manager (someone I know from a previous job) lives in Arizona and he said the pickings of doctors have been lacking due to it being BCBS of Michigan and he's in Arizona. I'm wondering if anyone has had similar experiences? Should I take the BCBS of Michigan health insurance (which doesn't cover anything birth control related so I'd have to get something to supplement that) and hope for good choices of doctors in Arlington, VA? Or go onto my husband's insurance with Kaiser Permanante even though it's more expensive?

Firstly I appreciate any insight into this matter as it can be a minefield I know! I’m looking to insure myself (m34) and partners (f30) 4 vehicles, we reside on a non working farm in West Yorkshire but will soon be moving to a similar setup in north wales. Could anyone recommend a solid company to go with please? Also open to the possibility of becoming a Ltd company once we move as we will be running a small business from the farm if that helps the situation at all. we have dealt with aviva in the past and they have always been a struggle when it comes to claims. Thanks 🙏

Hi all, I have an employer health insurance plan through my union and apparently a few months ago they had to abruptly change their mental health portion of my insurance plan. I am trying to get a therapist but my therapist says my insurance is not accepted because I am a part of a health concept plan but my employer who handles my insurance says I am not apart of the plan anymore and that I have anthem PPO. I’m in a constant loop of insurance saying one thing and my provider saying the other. The Union who handles my insurance tells me to tell the provider to call them but my provider uses a system to verify coverage. I’m not sure who to call or how to get this resolved. When I called anthem they transferred me to my union. When I called the union they said anthem handles that portion of the plan. I think I’ve been passed along every department now. Any advice would help.

I am 20 years old and on my parents insurance. I got prescribed a medication under the impression that they would not be notified but my dad got a call about the prior authorization being approved and also a letter in the mail. Does anyone know how to change this/prevent this happening again in the future?

The accident occurred on 3/20 and was told they’re taking 100% fault. It all happened so fast, but I was on my way to work in the morning driving 45 in a 45 (it’s also dark and raining). I’m coming up to a 2-way crossroad where the guy’s road had a stop sign and mine didn’t. When I got close to the crossroad I see that he’s rolling up to the stop sign and I assume he’s stopping..because there’s a stop sign. Instead, he keeps rolling into the middle of the lane where I proceed to slam on my brakes and instinctively veer to the left to avoid him but I end up completely smashing the side of his car at 45 mph. I ended up missing that Thursday and Friday and returned to work on Monday since I was told I wouldn’t have to do much work. He ended up not even having a scratch while I have to go to the ER because I was so rattled and didn’t really know the extent of my injuries besides not being able to hear out of my left ear due to it ringing and sounding really muffled. I get a CT scan at the ER and was told that they couldn’t find anything major, so they sent me home with some muscle relaxers and a note for “light work no lifting” for work. A couple days later, I started feeling the extent of my injuries. Taking a deep breath, laughing, coughing, anything that expanded my rib cage or moved/put any pressure on my shoulder blade hurt really bad. My neck was stiff from the whiplash and I could crack my neck in ways I never had. My ear was still muffled with loud ringing and was very disorienting. This affected my sleep, work, daily activities like driving, working out, or even cleaning my apartment. It has been a week and a half since the accident and I’m still feeling all that pain. Albeit, not as significant and alarming as last week, but I still have a muffled left ear with some ringing, pain when my chest expands, shoulder blade pain, anxiety whenever I drive(which is a huge part of my job), sleeping issues, and as silly as this sounds, has destroyed my happiness. I got engaged the weekend before the accident and wanted the celebrate with friends the weekend after, but I wasn’t even able to leave our apartment to celebrate because of how much pain I was in. His insurance has offered me $2,500 for pain and suffering but I feel like that’s a slap in the face. I explained my situation to an attorney and he said it looks like they can make a decent case but said he couldn’t give me a number on how much he thought the case would be worth. So my questions are, can someone give me a ballpark estimate on how much I should negotiate for? & Do I need an attorney involved or is this a situation where I should fight the claim and negotiate myself? TL;DR I got in a high speed accident and his insurance is accepting 100% fault. I got out lucky but am still experiencing injuries like whiplash, some bruised ribs, shoulder blade pain, and muffled hearing. His insurance offered $2,500 and I don’t believe that’s enough for what I’ve gone through. How much could I counter offer for and should I get an attorney involved? Edit: I apologize, I did end up going to a primary care doctor last Friday but he told me the pain I experienced is common and went over the CT scan that the ER did and said “everything looks fine here”. I have an ear, nose, mouth appointment this Friday. Edit 2: I’m sorry if these seem like stupid questions, I’m just really young and don’t have any help outside of my mother.

Just wanting to throw this out there - if you are enrolled in a Voya retirement plan, they rolled out this new "AI advisor" service to accounts. It allows you to have a Empower-like interface to where it can calculate your retirement income based on savings from various sources including Social Security. That part of it is pretty nice, no complaints there. Though I am a bit concerned about the visibility of other account data to my employer, though I'm sure there's privacy practices in place against that. But when I was clicking around and not intentionally doing anything, there was a orange notice icon by a bell at the top. I clicked that and it had a dialog stating "Updates Needed for Plan Accuracy" - and that's where it's very alarming. I'm under age 30. I should NOT be in bonds. I DO NOT want to be in bonds. Nor do I want to be invested international. For some reason, this AI advisor tool wanted me to re-balance to be 35% in bonds, and 30% international, with 5% of my contributions going to fees for the re-balancing. So be careful with Voya.

After a family member had a total loss from their condo building fire, TRAVELERS Insurance paid the claim but cancelled their policy. Now, they're having issues finding Insurance companies that will insure them. Any ideas? Has anyone experienced this problem?