L.A. B.S. over flow and info

Discussion in 'West – California, the desert southwest and whatev' started by jamin_mathis, May 13, 2010.

  1. dunerat

    dunerat WTF?

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    The ultimate "O" face on her

    :freaky
  2. JeffS77

    JeffS77 cheap bastard

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    anybody got any recomendations on Disibilty Insurance ?

    I am looking to get some quotes. I cant risk being without income and need something to suplement my income should I get hurt.

    Aflac ?
    Metlife ?
  3. browneye

    browneye PIN IT & BANG GEARS

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    Connecticut Mutual
    Liberty Mutual
    Lutheran Mutual
    New York Life
    Or any of the many life insurance companies.Perhaps you have an agent already.

    It's very expensive, especially at longer terms. It's common to find this type of policy with high wage earners and key-man employees or partners. Perhaps if you're in this type of position your employer will pay or contribute to premiums.

    Make sure you have sufficient life insurance first. Traditionally, enough to cover all of your debt. Something that becomes an investment or retirement tool is recommended if you can afford it. At least so that at some point dividends pay the premiums, and coverage for life. Cheap term insurance is all many can afford. When the term is up the insurance ends. However they can be written with guaranteed insurability (no medical) and a way to convert it to something more long term, whole life, universal, etc. Again, your agent can explain all the various types, and pros and cons.

    I was recruited to sell by several companies when I was in my 20's. Too many nights and weekends so I passed. Gee, perhaps I'd be retired now instead of slated to work 'till I'm 70. :cry

    I had a disability policy back some 30 years ago for a few years but have not since. There are clauses for partial and full, when it starts, how much it pays, and how long it lasts. The more coverage the more it costs. Your agent can explain in detail.
  4. notmybikemodelname

    notmybikemodelname KOTW is a myth!

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    That's a good story, have another one?
    Browneye, you're talking about AD&D corp officer policies. These only benefit the employing company and are only open to corporate officers. We carry one on our officers and owners.

    There are actually plenty of disability and income replacement programs out there that are affordable for most anyone, due to the fact that they are based on your income, not a set benefit limit. This is wholly different from health/life insurance which has nothing to do with income replacement. Traditonally, it is the norm to carry 3-5 times yearly earnings for LI, and if young and healthy enough you would carry Whole or Universal life as an investment tool as most forms have a govenrment guaranteed 4% return on your investment. Older dudes, should just carry term life as for most mid income earners, UL or whole is out of the realm of affordability and unwarranted as the initial build up would take too may years to recoup and start building on.

    I have a few brokers who handle this type of stuff over here. Jeff, if you want to speak to one of my people, shoot me a PM.
  5. Buster714

    Buster714 VP of crash testing

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    Take note forumites: I DON'T BREAK. :gdog And yes, it's all your fault Brownie, just like I have you to blame for the economy and my diarrhea.

    It's not the bike. It's a personality flaw. That thing gave me so much confidence I had to keep pushing. Great bike.
  6. dunerat

    dunerat WTF?

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    Blah Blah Blah..

    It's game nite:freaky

    [​IMG]

    KINGS!!
  7. luv2race

    luv2race Confused

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    4 straight, keep the streak going! :clap
  8. dunerat

    dunerat WTF?

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    BOOOOOM!!





    :freaky
  9. macadamia

    macadamia XK Red 27 Technique

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    Lets go Ducks!!!

    Seats on the glass Rock!!!

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    [​IMG]

    Wings up 2-1 after 1
  10. macadamia

    macadamia XK Red 27 Technique

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    Wings up 3-1 after 2 periods... Come on ducks!!!
  11. dunerat

    dunerat WTF?

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    Sharks it is
  12. dunerat

    dunerat WTF?

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    Gotta love love BB in may.....slimed :freaky
    [​IMG]
  13. dunerat

    dunerat WTF?

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    Loves me my playoff hockey.. Being still in and all ..
    KINGS!!
  14. macadamia

    macadamia XK Red 27 Technique

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    Good luck in round 2... See you in the freeway face-offs next season!

    I really hope Selanne plays another season...
  15. JeffS77

    JeffS77 cheap bastard

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    Looks like hungry valley is on fire.
  16. dunerat

    dunerat WTF?

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    Hockey nite in LA...:freaky

    [​IMG]

    GO KINGS!
  17. Klammer

    Klammer Old and Grumpy

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    I like your nail polish DR! GO KINGS!!!:clap
  18. rinconrider

    rinconrider Sir Crash-a-lot

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    well i thought it would happen first round but i guess four games wasn't enough, raffi took himself out. what an ass. when he was on the canucks i even hated him.

    good job kings (even though i'm now rooting for vokoun's team)
  19. roundtripping

    roundtripping Adventourist

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    INTENSE!:freaky
  20. dunerat

    dunerat WTF?

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    Good job Wings:clap


    3 more!:freaky