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Ask your friends, neighbors, co-workers and family about their experiences with their insurance agent or broker.
Check out potential licensed agents or brokers before you decide to buy – it’s your right. We can tell you:
If your insurance company starts, denies or pays out a claim, they'll submit a CLUE report. LexisNexis® advises insurance companies to not report claims information when you contact them to simply ask a question about coverage or your deductible.
The report will include:
An insurer may request a CLUE report when you apply for coverage or request a quote. The company uses your claims history, or the history of claims at a specific property, to decide if it'll offer you coverage and how much you'll pay. Insurance company studies show a relationship between past claims and claims you report in the future.
You can check for inaccurate or unrelated information that could be making you pay higher premiums. If you find mistakes, contact LexisNexis Consumer Center at 888-497-0011. They'll verify your information with the reporting insurance company and notify you of the results within 30 days. You can also add an explanation to an item in the report that will show in all future reports.
The Fair Credit Reporting Act entitles you to a free copy of your CLUE report. To request a copy, contact:
LexisNexis, Consumer Center
Request your personal report online
Call 866-312-8076
Note: If you need a CLUE report on a property you’d like to buy, the owner must request it.
Long-term care insurance is fairly new and early policies were underpriced. Most insurers didn't expect to pay so much for claims, and have many people cancel their coverage.
Insurers have to change premiums to make sure they have enough money to pay for each plan's claims. If they don't raise rates, they may have trouble paying claims.
If you're thinking about buying insurance, ask about the insurer's past premium increases for all long-term care plans, not just the one you're considering.
Note: Some of these companies might not currently sell long-term care (LTC) insurance. They don't need to tell us if they stop selling.
*Approved to sell Long-Term Care Partnership coverage on or after Jan. 1, 2012.
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If you want to qualify for Medicaid, it helps you avoid spending money or transferring things you own. It's available when you need help with at least two of the following daily activities:
Many annuities have fees that may include:
Before buying an annuity, think about:
When recommending an annuity, insurance companies and agents need to consider your finances, taxes, investment goals and other information.
If you die before your payments start, your annuity may pay a death benefit to the person you chose as your beneficiary. Death benefits usually pay them the value of your annuity or the premiums you paid, whichever is more.
Travel insurance can also offer you protection if you experience a medical emergency, damage to personal property and even if a death occurs while you're traveling.