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Old 04-24-2007, 11:49 AM   #1
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Another Some Thoughts Spin off......INSURANCE

Hey folks I know we have a couple of insurance professionals on here that would definately agree, take Roger's incident as an impulse as well to MAKE SURE U HAVE ENOUGH and THE APPROPRIATE COVERAGE, and THAT U UNDERSTAND HOW IT WORKS and DOESNT.

I saw Pete mention he's glad he "talked" Roger in getting life insurance. It should be a PRIORITY just like getting the bike covered is. ALL OF US NEED SOME FORM OF:

1. Comprehensive Coverage on the Bike (Ie: M/C policy)
2. GAP coverage (only if you've financed the bike)
3. Disability Income (to protect u from loss of work due to injuries, Workers
comp is for ON THE JOB INJURIES)
4. Life Insurance (especially if you have a family)

This isn't a ploy to sell, just a point to contact ur current agent to discuss ur options and needs 2 make sure your current policy(s) meet those needs.

It's an even more stressful situation to be in, when u don't have coverage that u NEED!

Any questions about how insurance works, fire away?
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Old 04-24-2007, 01:21 PM   #2
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yeah life insurance is always a must if you are riding a motorcycle. get it for your kids, or your parents, wife or whatever.

i sold roger a 50k policy just because it was the cheapest one and he was trying to help me out, and now he has 50k on his funeral costs.

me myself i have 250k.

just something to consider, bc everyone knows bikes arent the safest things on the road
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Old 04-24-2007, 01:23 PM   #3
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Quote:
Originally Posted by 1FastGSXR
Hey folks I know we have a couple of insurance professionals on here that would definately agree, take Roger's incident as an impulse as well to MAKE SURE U HAVE ENOUGH and THE APPROPRIATE COVERAGE, and THAT U UNDERSTAND HOW IT WORKS and DOESNT.

I saw Pete mention he's glad he "talked" Roger in getting life insurance. It should be a PRIORITY just like getting the bike covered is. ALL OF US NEED SOME FORM OF:

1. Comprehensive Coverage on the Bike (Ie: M/C policy)
2. GAP coverage (only if you've financed the bike)
3. Disability Income (to protect u from loss of work due to injuries, Workers
comp is for ON THE JOB INJURIES)
4. Life Insurance (especially if you have a family)

This isn't a ploy to sell, just a point to contact ur current agent to discuss ur options and needs 2 make sure your current policy(s) meet those needs.

It's an even more stressful situation to be in, when u don't have coverage that u NEED!

Any questions about how insurance works, fire away?
well let's just say I'm worth much much more dead, than I am alive (monetarily speaking of course:icon_bigg )
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Old 04-24-2007, 02:04 PM   #4
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errrr I am bad I need to update my life insurance seeing as how I make more money than the hubby now
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Old 04-24-2007, 02:08 PM   #5
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Quote:
Originally Posted by jus10
well let's just say I'm worth much much more dead, than I am alive (monetarily speaking of course:icon_bigg )
OH DON'T FEEL BAD ME TOO!!

My grandfather wrote a policy on me the 1hr after I was born!!!
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Old 04-24-2007, 02:10 PM   #6
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Originally Posted by 1FastGSXR
OH DON'T FEEL BAD ME TOO!!

My grandfather wrote a policy on me the 1hr after I was born!!!
oh I don't feel bad....I feel good knowing that when I go, my family won't be stuck with no money, instead, quite the contrast.
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Old 04-24-2007, 02:14 PM   #7
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It just makes since!!!

GET URSELF FULLY INSURED PEOPLE!!!!!
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Old 04-24-2007, 02:27 PM   #8
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Quote:
Originally Posted by Dementia
errrr I am bad I need to update my life insurance

oh

Broadcasting it on the net! Bad wifey
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Old 04-24-2007, 02:39 PM   #9
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i think i have 250K or so. If i die, my parents are going to get a kick boat and put my name on the back!!
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Old 04-24-2007, 02:42 PM   #10
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aren't boats supposed to have girl names?
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Old 04-24-2007, 02:44 PM   #11
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I got enough so my mom could possibly retire!
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Old 04-24-2007, 02:46 PM   #12
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Quote:
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aren't boats supposed to have girl names?
not if your son leaves you a quarter million dollars to get one!!
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Old 04-24-2007, 02:47 PM   #13
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Dad bought life insurance for everyone in the family long time ago. lol Kinda spooked me out at age 15 when i found out that i had life insurance.
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Old 04-24-2007, 02:51 PM   #14
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Quote:
Originally Posted by jus10
well let's just say I'm worth much much more dead, than I am alive (monetarily speaking of course:icon_bigg )
+1 but im thinking about adding more... just incase...
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Old 04-24-2007, 02:52 PM   #15
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Quote:
Originally Posted by hotnanas
aren't boats supposed to have girl names?
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Old 04-24-2007, 02:56 PM   #16
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Yeah, get life insurance.. My dad didnt have any. Dealing with all the left behind is still a headache to this day.
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Old 04-24-2007, 03:03 PM   #17
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I must also add to this insurance subject... I am worth well over a mill (chemical plants offer great insurance policies) and Noctem and my 4 kids would be well taken care of if I were to go, but the one thing that I was more concerned with was what happens next... burial (or creamation in my case). I have a plan that will take care of the final expenses and everything is already planned out by me before hand so that no one will have to worry about where to put me or what to do with my ashes, it is all taken care of. Big plus is that I have it on a small monthly payment and if I died before it was paid off then it would be paid in full. I look at this as one of the best investments I have and ever will make. Funny thing is when I took out this policy people thought I was weird for thinking about my death, but hey... we all have to go sometime and I do not want any one worrying about what should be done next with me when it is them that has to move on. Just my opinion.
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Old 04-24-2007, 03:04 PM   #18
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i been looking into life policies also, whats a good premium for 1m-2m coverage?
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Old 04-24-2007, 03:16 PM   #19
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Quote:
Originally Posted by Longnguyen
i been looking into life policies also, whats a good premium for 1m-2m coverage?
Depends on your age, if u smoke, and health status, but the cheapest way is thru a long term policy. Could run you no more than about $170/month lower if your younger than 40 and in good health
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Old 04-24-2007, 03:19 PM   #20
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Quote:
Originally Posted by 1FastGSXR
Depends on your age, if u smoke, and health status, but the cheapest way is thru a long term policy. Could run you no more than about $170/month lower if your younger than 40 and in good health
LOL long, is like 12... or at least looks that young!
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