I wouldn't want to belittle the amount of study put into preparing for your actuarial exam. I also wouldn't want to put down the experience that other insurance professionals my have. It very possible that an insurance agent might be able to find a way for the insured to get lower rates by making contract changes, moving coverage, or some other change.
Also, how likely is it that an actuary is going to be the one helping an end user with their insurance cost issues? It would be like asking a senior programmer at Microsoft for help unclogging a toilet.
I'm sure at some of the more prestigious consulting houses, you will have actuarial consultants, but I would suspect that the person asking this question doesn't have access to those resources. I bet a good intern familar with this coverage would be able answer the OP's question.
Last year I heard an insurance underwriter speak about the challenges of covering reality TV. I don't want to lump your program in the same category of "reality" TV, but he did mention that there were shows or specific stunts that he was not able to cover. Have you ever been unable to debunk a myth because of liability/insurance reasons?
I cannot emphasize enough the value of This American Life when it comes to my 2 hours of commuting each day. I use vsound, realplayer, lame and gtkpod on Debian to make mp3 files of the freely available real streams from their website and get them on my ipod.
I'm sure someone more clever than me could script something in bash to automate this, but I just have it record in the background while I'm doing other things on my PC.
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that really made ME1 for me.
JK of course. cripes they were boring, although the voiceover stuff played were interesting.
Fare thee well, Mako!
A lot of the advice you're getting here may not apply to your situation, based on what state you live in. I'm assuming you're a US resident.
% 20health%20insurance%20rates%20june%202005.pdf
The pdf below is a good starting place to get an idea of how you will be rated, what your renewal will be, pre-existing condition limitations, etc.
http://www.nahu.org/legislative/charts/individual
nahu.org is a pretty good site for researching this kind of thing.
That was really helpful.
I wouldn't want to belittle the amount of study put into preparing for your actuarial exam. I also wouldn't want to put down the experience that other insurance professionals my have. It very possible that an insurance agent might be able to find a way for the insured to get lower rates by making contract changes, moving coverage, or some other change.
Also, how likely is it that an actuary is going to be the one helping an end user with their insurance cost issues? It would be like asking a senior programmer at Microsoft for help unclogging a toilet.
I'm sure at some of the more prestigious consulting houses, you will have actuarial consultants, but I would suspect that the person asking this question doesn't have access to those resources. I bet a good intern familar with this coverage would be able answer the OP's question.
Last year I heard an insurance underwriter speak about the challenges of covering reality TV. I don't want to lump your program in the same category of "reality" TV, but he did mention that there were shows or specific stunts that he was not able to cover. Have you ever been unable to debunk a myth because of liability/insurance reasons?
I cannot emphasize enough the value of This American Life when it comes to my 2 hours of commuting each day. I use vsound, realplayer, lame and gtkpod on Debian to make mp3 files of the freely available real streams from their website and get them on my ipod.
I'm sure someone more clever than me could script something in bash to automate this, but I just have it record in the background while I'm doing other things on my PC.