Without prejudice to any provisions in the terms and conditions.?

Term life builds no cash value. If you had it from an employer there is no money to be had. Whole life can build cash value over time but it takes years to build any real significant value. ...

Quite simply, when changing insurance pre existing conditions (whatever they are) HAVE to be covered. Your copays may change, but you will be covered.

I took the NJ P&C exam. You have to pass the school exam first to sit for the state exam. One person in my class had to take the school exam a second time & he passed. My whole class pas...

tell him to get a job with group benefits. Other than that, yes, you need to spend down all your cash and be basically destitute before medicaid will kick in. Check with state non-profit Medi...

You don't have rights. THEY have all the rights, here. This is an unpaid debt, that you owe. They can try to collect forever, until this is paid.

Ring their help line. They will tell you how much you will get. After they take out commission etc.

You had no lapse in coverage, right? It's going to be covered.

From mom and dad. Or maybe from the plastic surgeon. Or, you could always just save up for it. I'd recommend that, as two years from now, you might have something you want more than pla...