# Insurance **URL:** https://community.clark.com/c/insurance/7.md?page=1 [Latest](https://community.clark.com/latest.md) · [Categories](https://community.clark.com/categories.md) · [Tags](https://community.clark.com/tags.md) **Page:** 2 --- ## [Life insurance after 80](https://community.clark.com/t/life-insurance-after-80/7417)
**Author:** [@Frugalconsumer](https://community.clark.com/u/Frugalconsumer)\ **Replies:** 1\ **Last updated:** [April 8, 2025, 11:52am UTC](https://community.clark.com/t/life-insurance-after-80/7417 "2025-04-08T11:52:51Z")
This is my experience with my whole life insurance company. YMMV. After I reached 80 my insurance leaped from $188 a month to over $500. My insurance company stated they sent me a notice of the increase before I reached … --- ## [Insurance on older cars](https://community.clark.com/t/insurance-on-older-cars/7303)
**Author:** [@MarcS](https://community.clark.com/u/MarcS)\ **Replies:** 5\ **Last updated:** [March 28, 2025, 12:31am UTC](https://community.clark.com/t/insurance-on-older-cars/7303 "2025-03-28T00:31:57Z")
I have a personal story about insurance on older cars. Clark says to drop comprehensive and collision on older cars, which does make sense. Let me tell you my story: I was hit in the rear while stopped at a traffic li… --- ## [Future Impact of the CA Fires?](https://community.clark.com/t/future-impact-of-the-ca-fires/6877)
**Author:** [@H200h](https://community.clark.com/u/H200h)\ **Replies:** 7\ **Last updated:** [March 12, 2025, 9:14pm UTC](https://community.clark.com/t/future-impact-of-the-ca-fires/6877 "2025-03-12T21:14:38Z")
How much do you think your home insurance bill will go up to help your insurance company cover the loss of 10,000 homes in California? So far, the tab is $150,000,000,000. --- ## [Permanent life insurance](https://community.clark.com/t/permanent-life-insurance/2246)
**Author:** [@Andy\_Kimmell](https://community.clark.com/u/Andy_Kimmell)\ **Replies:** 8\ **Last updated:** [January 30, 2025, 12:07pm UTC](https://community.clark.com/t/permanent-life-insurance/2246 "2025-01-30T12:07:57Z")
I just had a meeting with a financial planner. He’s trying to sell me a Permanent life insurance policy. The premiums are $45000 for the first 7 years. Then no premiums. Benefit amount is about $500k. The policy can … --- ## [Car insurance, what am I missing?](https://community.clark.com/t/car-insurance-what-am-i-missing/6556)
**Author:** [@UniversalSam](https://community.clark.com/u/UniversalSam)\ **Replies:** 10\ **Last updated:** [December 31, 2024, 9:33pm UTC](https://community.clark.com/t/car-insurance-what-am-i-missing/6556 "2024-12-31T21:33:19Z")
My wife and I have car insurance with Allstate. We have 2 vehicles: 2012 Honda Civic HF, 2012 Honda CR-V EX. Both vehicles are around 150-160K miles. Neither have had any claims or accidents. No tickets in the last 10 ye… --- ## [Georgia Obamacare](https://community.clark.com/t/georgia-obamacare/6751)
**Author:** [@dgatc1](https://community.clark.com/u/dgatc1)\ **Replies:** 3\ **Last updated:** [December 31, 2024, 9:25pm UTC](https://community.clark.com/t/georgia-obamacare/6751 "2024-12-31T21:25:28Z")
In the past to access Georgia ObamaCare you went into the Federal Obamacare site. You could see and compare all the different plans on your computer and make a choice on your computer to initiate coverage. This year Ge… --- ## [Firing a law firm chosen by a roofer](https://community.clark.com/t/firing-a-law-firm-chosen-by-a-roofer/6782)
**Author:** [@Kelsi\_Ann](https://community.clark.com/u/Kelsi_Ann)\ **Replies:** 1\ **Last updated:** [December 31, 2024, 8:21pm UTC](https://community.clark.com/t/firing-a-law-firm-chosen-by-a-roofer/6782 "2024-12-31T20:21:38Z")
A roofing company filed a claim to my insurance on my behalf. Insurance rejected it, and the roofer convinced me to hire their attorney (third party). That was two years ago. Now I want to terminate the law firm, but the… --- ## [Infinite Banking/Whole Life](https://community.clark.com/t/infinite-banking-whole-life/6757)
**Author:** [@Robert\_Johnston](https://community.clark.com/u/Robert_Johnston)\ **Replies:** 2\ **Last updated:** [December 29, 2024, 4:04pm UTC](https://community.clark.com/t/infinite-banking-whole-life/6757 "2024-12-29T16:04:50Z")
Recently, a person in my community who just received their insurance license in November, tried pushing what I think is a scam. She called it “infinite banking” and apparently it involves “overfunding” a Whole Life poli… --- ## [Don't file insurance claim for Loss of Income on rental property?](https://community.clark.com/t/dont-file-insurance-claim-for-loss-of-income-on-rental-property/6719)
**Author:** [@Skepilot](https://community.clark.com/u/Skepilot)\ **Replies:** 0\ **Last updated:** [December 17, 2024, 4:09pm UTC](https://community.clark.com/t/dont-file-insurance-claim-for-loss-of-income-on-rental-property/6719 "2024-12-17T16:09:02Z")
I keep hearing Clark say not to file a claim on homeowner’s insurance except for catastrophic events, because the insurer is likely to cancel you. One of our vacation rental properties got knocked out of commission by Hu… --- ## [Lower your State Farm Auto Insurance](https://community.clark.com/t/lower-your-state-farm-auto-insurance/2180)
**Author:** [@Al\_Scott](https://community.clark.com/u/Al_Scott)\ **Replies:** 3\ **Last updated:** [June 3, 2023, 2:37am UTC](https://community.clark.com/t/lower-your-state-farm-auto-insurance/2180 "2023-06-03T02:37:04Z")
I called my State Farm agent to complain about an auto rate increase. I was told that they could request a rerate once a year. I had to fill out a special form. I believe that were able to run a credit check. My two … --- ## [Dental Insurance](https://community.clark.com/t/dental-insurance/252)
**Author:** [@JTraveler](https://community.clark.com/u/JTraveler)\ **Replies:** 44\ **Last updated:** [November 17, 2024, 2:34pm UTC](https://community.clark.com/t/dental-insurance/252 "2024-11-17T14:34:10Z")
I am on Medicare and have a supplemental plan w/o dental coverage. Other than through an Advantage plan, are there reasonable dental plans for medicare recipients? --- ## [Change health care](https://community.clark.com/t/change-health-care/6402)
**Author:** [@ladybuglake](https://community.clark.com/u/ladybuglake)\ **Replies:** 5\ **Last updated:** [October 27, 2024, 12:31am UTC](https://community.clark.com/t/change-health-care/6402 "2024-10-27T00:31:34Z")
I received a letter from Change Health care stating that on Feb 21 2024, CHC found activity in OUR computer system that happened w/o our permission, on feb 17 2024 and feb 20 2024. Since I am insured in a state system, … --- ## [Free OTC Meds Insurance Perks](https://community.clark.com/t/free-otc-meds-insurance-perks/2313)
**Author:** [@H200h](https://community.clark.com/u/H200h)\ **Replies:** 7\ **Last updated:** [October 26, 2024, 2:46am UTC](https://community.clark.com/t/free-otc-meds-insurance-perks/2313 "2024-10-26T02:46:41Z")
United Health Care and Blue Cross Medicare plans both offer a $40 o $60 quarterly order of OTC medical stuff ranging from vitamin pills to bandages to shoe sole cushion inserts. What’s the deal? Is it a way to get rid o… --- ## [Health Insurance Company Refusing To Pay For Hospital Stay](https://community.clark.com/t/health-insurance-company-refusing-to-pay-for-hospital-stay/6377)
**Author:** [@KeepinItReal](https://community.clark.com/u/KeepinItReal)\ **Replies:** 4\ **Last updated:** [October 22, 2024, 3:10pm UTC](https://community.clark.com/t/health-insurance-company-refusing-to-pay-for-hospital-stay/6377 "2024-10-22T15:10:25Z")
I went to a local Atlanta hospital about 10 days ago to have an outpatient surgery on my L4-L5 vertebrae performed. The neurosurgeon told me beforehand that I may be out the same day but they could decide to keep me over… --- ## [Storm damaged camper and vehicle excluded from coverage](https://community.clark.com/t/storm-damaged-camper-and-vehicle-excluded-from-coverage/6274)
**Author:** [@JPW050](https://community.clark.com/u/JPW050)\ **Replies:** 7\ **Last updated:** [October 1, 2024, 6:53pm UTC](https://community.clark.com/t/storm-damaged-camper-and-vehicle-excluded-from-coverage/6274 "2024-10-01T18:53:38Z")
A man was interviewed on the news this morning and he said that his insurance company would not cover the storm damage to his camper and vehicle because he did not move them 100 miles out of the storm area prior to the s… --- ## [Crazy Insurance... Car so much more than my house now](https://community.clark.com/t/crazy-insurance-car-so-much-more-than-my-house-now/6165)
**Author:** [@Douglas\_Henning](https://community.clark.com/u/Douglas_Henning)\ **Replies:** 6\ **Last updated:** [September 24, 2024, 3:14pm UTC](https://community.clark.com/t/crazy-insurance-car-so-much-more-than-my-house-now/6165 "2024-09-24T15:14:59Z")
I know Florida insurance is crazy but the scare tactics are nuts… The news has been stating that home insurance in FL will double or triple in price making living here unaffordable… Well… my insurance agent has found m… --- ## [Unfreeze credit report for shopping for car insurance?](https://community.clark.com/t/unfreeze-credit-report-for-shopping-for-car-insurance/5609)
**Author:** [@dtae](https://community.clark.com/u/dtae)\ **Replies:** 13\ **Last updated:** [September 15, 2024, 1:04pm UTC](https://community.clark.com/t/unfreeze-credit-report-for-shopping-for-car-insurance/5609 "2024-09-15T13:04:52Z")
I think I heard Clark say we should unfreeze our credit when shopping for car insurance, but am not seeing this in the car insurance shopping guide. Internet searches are not revealing a clear answer. Does anyone know? --- ## [What is the best way to shop for home insurance and compare rates?](https://community.clark.com/t/what-is-the-best-way-to-shop-for-home-insurance-and-compare-rates/5913)
**Author:** [@JPW050](https://community.clark.com/u/JPW050)\ **Replies:** 5\ **Last updated:** [August 13, 2024, 5:15pm UTC](https://community.clark.com/t/what-is-the-best-way-to-shop-for-home-insurance-and-compare-rates/5913 "2024-08-13T17:15:25Z")
I want to shop and compare rates for home insurance without any type of hit to my credit score. What is the best way to do this? --- ## [USAA very difficult to even get proper quotes](https://community.clark.com/t/usaa-very-difficult-to-even-get-proper-quotes/5670)
**Author:** [@StonewayGuy](https://community.clark.com/u/StonewayGuy)\ **Replies:** 3\ **Last updated:** [July 11, 2024, 2:17am UTC](https://community.clark.com/t/usaa-very-difficult-to-even-get-proper-quotes/5670 "2024-07-11T02:17:51Z")
Since my father in law is a USAA member, I looked into getting auto, renters, and an umbrella policy. I have never had such a complicated process. I initially talked to one person for 45 minutes who couldn’t complete t… --- ## [Catastrophic Health Insurance?](https://community.clark.com/t/catastrophic-health-insurance/3520)
**Author:** [@sbro4630](https://community.clark.com/u/sbro4630)\ **Replies:** 29\ **Last updated:** [July 2, 2024, 11:44am UTC](https://community.clark.com/t/catastrophic-health-insurance/3520 "2024-07-02T11:44:56Z")
My health coverage is going up 5% again. That means I will pay $12,750.00 starting Jan 1st for my family plan before insurance will start paying 80% of a medical bill. What other alternatives are out there? I could put a… --- ## [Driver or owner responsible?](https://community.clark.com/t/driver-or-owner-responsible/5462)
**Author:** [@ladybuglake](https://community.clark.com/u/ladybuglake)\ **Replies:** 8\ **Last updated:** [June 18, 2024, 4:28am UTC](https://community.clark.com/t/driver-or-owner-responsible/5462 "2024-06-18T04:28:32Z")
If an adult takes vehicle w/o permission from a vehicle from close family member, and has an accident, is the owner in any responsible in NC? Does the owner have to report it as a theft in order to forgo responsibility… --- ## [Low milage insurance](https://community.clark.com/t/low-milage-insurance/5386)
**Author:** [@ladybuglake](https://community.clark.com/u/ladybuglake)\ **Replies:** 20\ **Last updated:** [June 10, 2024, 12:04am UTC](https://community.clark.com/t/low-milage-insurance/5386 "2024-06-10T00:04:56Z")
i spoke with 2 agents, and they give little incentive for low mileage any more. there is a slight reduction with one agent if you have an appliance in auto, but if you drive 5,000 a yr, you will pay similar to the perso… --- ## [Clark stinks when it comes to dental HMOs!](https://community.clark.com/t/clark-stinks-when-it-comes-to-dental-hmos/5443)
**Author:** [@PropofolMask](https://community.clark.com/u/PropofolMask)\ **Replies:** 1\ **Last updated:** [June 8, 2024, 12:56pm UTC](https://community.clark.com/t/clark-stinks-when-it-comes-to-dental-hmos/5443 "2024-06-08T12:56:53Z")
In this 2017 video, Clark Howard speaks favorably about the dental HMO as a concept. However, a portion of this article reads: Satisfaction with an HMO is, sadly, very uncommon. People who speak positively of their HMO… --- ## [Would like Clark Howard to bring up homeowners insurance situation in California](https://community.clark.com/t/would-like-clark-howard-to-bring-up-homeowners-insurance-situation-in-california/5186)
**Author:** [@PropofolMask](https://community.clark.com/u/PropofolMask)\ **Replies:** 1\ **Last updated:** [May 15, 2024, 1:04pm UTC](https://community.clark.com/t/would-like-clark-howard-to-bring-up-homeowners-insurance-situation-in-california/5186 "2024-05-15T13:04:07Z")
As this video indicates, the situation in question is not good. --- ## [Homeowners Insurance: other structures](https://community.clark.com/t/homeowners-insurance-other-structures/5100)
**Author:** [@ustaipan88](https://community.clark.com/u/ustaipan88)\ **Replies:** 0\ **Last updated:** [May 3, 2024, 7:07pm UTC](https://community.clark.com/t/homeowners-insurance-other-structures/5100 "2024-05-03T19:07:43Z")
This is a little out there. I just learned from a friend that she was able to decrease her homeowners premium my eliminating “other structures” coverage because she doesn’t have any. This got me thinking about my previou… --- ## [Podiatrist suggested custom orthotic shoe inserts for arthritic toes](https://community.clark.com/t/podiatrist-suggested-custom-orthotic-shoe-inserts-for-arthritic-toes/5064)
**Author:** [@Mwilcox12023](https://community.clark.com/u/Mwilcox12023)\ **Replies:** 3\ **Last updated:** [May 1, 2024, 2:58am UTC](https://community.clark.com/t/podiatrist-suggested-custom-orthotic-shoe-inserts-for-arthritic-toes/5064 "2024-05-01T02:58:21Z")
My Podiatrist (MD) suggested $750 custom shoe inserts to address an arthritic toe which is causing walking and running pain. Note, the custom shoe inserts last 10 years vs my Dr Scholls which last 3 to 4 months and don… --- ## [80 Car Pileup... How does insurance work here?](https://community.clark.com/t/80-car-pileup-how-does-insurance-work-here/265)
**Author:** [@PricePerformer](https://community.clark.com/u/PricePerformer)\ **Replies:** 3\ **Last updated:** [April 28, 2024, 7:25pm UTC](https://community.clark.com/t/80-car-pileup-how-does-insurance-work-here/265 "2024-04-28T19:25:05Z")
Wondering how Insurance works in this case. Do the Insurance Companies look at who hit who in a chain reaction or does each Insurance Company take care of its own. How about the Driver who does not have Collusion… do… --- ## [Scott Shafer: "Uncovering Colonial Penn's Terrible Life Insurance Scam"](https://community.clark.com/t/scott-shafer-uncovering-colonial-penns-terrible-life-insurance-scam/4946)
**Author:** [@PropofolMask](https://community.clark.com/u/PropofolMask)\ **Replies:** 1\ **Last updated:** [April 18, 2024, 3:38am UTC](https://community.clark.com/t/scott-shafer-uncovering-colonial-penns-terrible-life-insurance-scam/4946 "2024-04-18T03:38:11Z")
--- ## [The Zebra: "6 ways you can use your life insurance while you're still alive"](https://community.clark.com/t/the-zebra-6-ways-you-can-use-your-life-insurance-while-youre-still-alive/4336)
**Author:** [@PropofolMask](https://community.clark.com/u/PropofolMask)\ **Replies:** 3\ **Last updated:** [April 5, 2024, 9:31pm UTC](https://community.clark.com/t/the-zebra-6-ways-you-can-use-your-life-insurance-while-youre-still-alive/4336 "2024-04-05T21:31:50Z")
https://www.thezebra.com/resources/personal-finance/6-ways-to-use-life-insurance-while-still-alive/ --- ## [What if an elderly person has an ADULT dependent?](https://community.clark.com/t/what-if-an-elderly-person-has-an-adult-dependent/4831)
**Author:** [@PropofolMask](https://community.clark.com/u/PropofolMask)\ **Replies:** 2\ **Last updated:** [April 2, 2024, 1:11pm UTC](https://community.clark.com/t/what-if-an-elderly-person-has-an-adult-dependent/4831 "2024-04-02T13:11:34Z")
Should the elderly person in question get level term life insurance? [Previous page](https://community.clark.com/c/insurance/7.md) [Next page](https://community.clark.com/c/insurance/7.md?page=2)