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What is the internal rate of return (IRR) for a Whole Life Insurance product?
What is the internal rate of return (IRR) for a Whole Life Insurance product?


What is the difference between term insuarnce and whole life insurance?
What is the difference between term insuarnce and whole life insurance?


Is term life or whole life insurance better fro someone who is disabled?
I apologize for not giving enough details. She would have a life partner left , she is also worried about her funeral and what it would cost. I appreicate all the asnwers so far and they really have us thinking. She did get a quote of $39 a month for term which is through the Catholic Church she belongs to. They guarantee the premium will never go up, Can they do that? and it also has a $3500 cash value at the end, which is about 1/3 of what would be paid in. I realize in the long run, it would be better for her to save the monye, but she is worried if something would happen from now to 5 years from now. Also the term would be from now, she is 48 until she was 70."


My son is getting his license this week and our insurance triples. Is there some way to hide him after he gets his license?
Like after they hand him his license and we pay the money for it, will that automatically get added to his insurance even if he doesn't drive yet or own a car?"


Does my friend need to be insured to ride my motorcycle?
A friend of mine recently got his motorcycle endorsement and i am considering lending him my motorcycle for couple days. so my motorcycle is insured, but can he ride it? does his name need to be listed on my insurance policy? or is it ok as long as the bike itself is insured?"


I'm turning 16 this year and i was wondering about insurance prices on a few cars?
I recently found a 1994 misubishi 3000gt, and a 1997 pontiac trans am. Like i said I'm turning 16 this summer and I want to know what car is better on insurance for a kid like me? I would also like to know which would be better for the winters in Idaho? An estimate will be perfictly fine. Thank you very much."


Can a ticket in another state affect my insurance rates?
Can a ticket in another state affect my insurance rates?


Auto Insurance?
Why cant we have insurance on Auto Repairs. Where we pay a co-pay (like health insurance) or deductible and the auto shops are regulated by the insurance companies. We would pay more for cars that need more repair. Wouldnt it make automakers more interested in making a better car?


If I terminate my mortgage life insurance can I get any of my money back?
I've been carrying mortgage life for three years on the house I bought back then. My husband has become ill and unable to work. Since the house I bought has MANY hidden issues, I'm thinking of filing bankruptcy on the whole kit-and-caboodle. Will I be able to recover ANY of the payments I've been making on my mortgage life insurance?"


Car Insurance 10 pts. best answer!?
What are the parties to an insurance policy. So far i've got policyholder, and underwriter what are some other ones? thanks"


Will insurance company pay for damages on my car if i have a suspended license and it was other drivers fault?
I got into a car accident it was the other drivers fault but I had no insurance and a suspended license. I want to know if the other drivers insurance company will cover it the damages to my car? No ugly answers please. I already know I shouldn't have been driving.


"A car hit our car, but doesn't have insurance.?"
Is their a way to investigate their assets, because some their were injuries. I had insurance but my daughter didn't and her emergency room bill was 7000."


Why is it mandatory to buy car insurance?
Renters insurance is like leasing a car they font own the property so I have no problem the owner (not government) requiring renter to get coverage as a condition to live in their property. But it should be common knowledge that when you drive you take a risk of getting hit and not being able to sue the other driver. You save more in the long run. It's not legal constitutionally to force a citizen to purchase a product you can try to justify it as much as you want. The car insurance lobby is humongous they get away with this and lambs say oky doky.


What if i cancel my auto insurance and get back after six months?
I canceled my auto insurance before six months. now I got another car and I got accident before I purchased insurance for this car with the same company. then I purchased the auto insurance.so, my question is does my insurance company has to cover for this."


How many people really need or should recieve help buying health insurance?
Out of all uninsured 40% are living on a household income of $50,000 or more a year. Unfortunately alot of people would like to indulge in lifes luxuries such as cars, tv, computers, cell phones, and vacations before thinking about their own health and safety Another 20% are non-citizen which includes illegal immigrants. This is straight from the census bureau which the president would use for his information. http://www.census.gov/prod/2008pubs/p60-... What do you think?"


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How much my insurance car ll be ?
i just got my full uk driving license this week i am 31 years old and im so excited to get car with big engine 2.0 or 2.2 but im worried if my insurance ll be expensive specially is my first year driving thanks for any help


"My glasses prescription is -3.50, will I go blind?"
I went to the eye doctor today and he said my prescription changed from -3.00 to -3.50, I'm 17. I don't wanna go blind it's just getting worse and worse, I started wearing glasses when I was 11 and it was -1.00 or something then and now it's so bad I can't read anything more than 5 inches from my face. Will I go blind?"


How can i lower my car insurance?
how can i lower my car insurance fee monthly when i payed off my car already


Pregnant And Can't Get On State Health Insurance!! What Should I Do!?
Yu know what!! People get pregnant even tho' they take precautions!! So don't blame me neither!! I had been trying and trying to get on insurance even before I got pregnant!! So I was!! Plus yeah, I'm sure...I was forced to because of an emergency duh!! I had to have my gallbladder removed && they couldn't find what was the problem at first && were stacking up them bills for me!!! So think about that! && I have the bills stacking up from my pregnancy, so I'm sure that's a choice as well right!?!"


Which countries have free or affordable healthcare then?
I want to renounce being American anyway


Cheaper insurance car under 25 years?
what is cheaper incurance car under 25 years


Is mortgage disability insurance a good idea?
I have 90 day disability at work, but I would like to know my mortgage is covered should I become disabled. I am single and do not have family, so am less worried about life mortgage insurance than disability. But, I don't want to waste money either."


Colorado Law Insurance Plan Help... why does this smell an awful lot like insurance fraud by (Insert Name) insurance company.?
And isn't being uninsured"" (but I am"


Who gets what (or how much) from an insurance settlement?
i was involved in 2 car accidents (neither my fault) during my marriage that have ended up in litigation. my other half who wants the divorce, (i feel) is stalling, waiting to see what happens to the settlement before she signs her name. we have no other need for an attorney (dont have anything (else) to fight over). does any of this matter? does it matter when the lawsuit is finalized in relation to the divorce finalization?"


Car Accident/ Insurance Question! HELP!?
Made a really huge mistake today. Was rushing to get somewhere when I was backing out of my parking spot and hit a parked work truck! No one was inside of it, absolutely no one was around, and it was in an apartment complex that doesn't have cameras. You can not tell that the truck is damaged AT ALL. No paint scratches, no dents, nothing. However, my tail light went against his hitch and is completely cracked/shattered, and part of my bumper is knocked out of place (but not dented). You can see some of his paint on my car. I panicked and drove away because I was really scared and didn't know what to do. I was going to come back and leave a note on his windshield and then I realized that you can't even see the damage. I can't tell my parents because they're going to be so mad at me (last month they paid $600 out of pocket to replace my bumper when I irresponsibly let my boyfriend drive my car and he backed into something, I lied and said it was my fault and they were understanding but I can't tell them this time or they're going to worry too much about me driving). I'm a very responsible girl, 17 years old no criminal record or anything but don't know what to do. If I say I came out of a store or school or something and someone must have hit me/ I don't know what happened, can I get in trouble for lying that it was a hit & run if they decide to get a claim from my insurance and can insurance tell? What should I do and what are the consequences if I lie!? Help ): !"


How much should I be paying for home owners insurance?
I live in a small town in louisiana, my house is worth about $130,000.00. How much should I be paying for home owners insurance. Just basic ins. covering just the house and not the land and things inside. Thanks"


What does 'replacement cost' mean in hazard insurance?
What does 'replacement cost' mean in hazard insurance?


Old bmws? Insurance? Cali driving age?
Hey, im 14 from California and will be 15 in september. I was wondering if anyone knew any nice older bmws, i like the e46 m3 and stuff but i was wondering if there were some other nice powerful ones i should know about. I dont want to spend more than 18k on the car itself. My next question is how much insurance usually is, i know its more expensive for a sports car but how much? The insurance doesnt factor into the 18k for the car, i was just wondering. And last, what is the absolute minimum age for driving in cali? My school is too far to walk or bike ( like 8 miles) and i cant really get a ride, i usually end up taking a city bus then walking 2 miles but the bus runs late a lot and im tardy for school. I say that because i heard there are special permits to just go and from school. Please reply of you know the answer to any all these question thanks!"


What's the difference between a salvaged & a clean title?(vehicle is fully operational)?
What's the difference between a salvaged & a clean title?(vehicle is fully operational)?


What Car is Best For First Driver?
What Car is Best For First Driver?


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Certificate of liability insurance?
what is a certificate of liability insurance and an additional insured mean>


Best insurance for young driver?
I live in Ontario, and I am looking for the best (or give me a list) of relatively cheap companies. I am 16 years old, but gathering information for when I am 17-18. My parents are currently with State Farm, but I am looking to purchase a Mini Cooper (y. 2000-2004), so what would be the best option for me? A list of good insurance companies would be helpful, and any additional information is great. Thank you in advanced, Spencer"


I totaled my 2010 Mazda 3i how much should I expected from insurance?
I was just squished between two pickup trucks with the driver behind me at fault and having a suspended license. The body shop said the total damage is $13,700 and the insurance company just labelled it a total loss. My car is just over a year old with about 55,000km on it with no prier damage on it. How much should I expect to get back as I am financing the car and cant afford to keep paying if they don't pay it out. ( Canada, Ontario, Ottawa)"


What is car insurance for a first time driver?
Okay i am 18 and have never had my license before and am going to be getting it at the end of this month...soon we are going to start getting insurace quotes for my car, we have been talking about what would be the best way to go about getting the cheapest insurance...so would it be best to put the car in my name but then just be added to my parents insurance and have me as the primary driver OR would it make a difference if we put the car in one of my parents name and then had me listed as the secondary driver for the car ? OR maybe you know a better way to go about this please give me all the advice you know about this! thanks"


How do I get comfortable with selling Life Insurance?
I got my license to sell Life Insurance and I work at an insurance agency where everyone else sells it. However I am the only one here at the office and my co-workers are all in another state so I have nobody to help me. I already have prospects from my auto and home clients. But once they start asking questions and are interested in the Life Insurance I feel like I don't know what I am talking about! How the heck do I get started. I dread it.


Health Insurance which one is cheap and good?
Hello everyone. I'm a college student w/o health insurance (I spend the money on beers yes blame me for it) but I'm getting worried. I'm ready to apply for one and I was wondering if anyone has a good one and which one it is. Hopefully its not too expensive, remember I'm a student I don't get sick a lot I just want to know that I won't have to be homeless in case I do get sick"


I am looking for an affordable holiday abroad ?
can anyone reccommend any good web sites with exellent deals please as i have never been on holiday abroad and is there any extras like do you have to have travel insurance and is it affordable?thankyou


Group health insurance and disability: Does group health coverage continue if I become disabled?
In a typical policy, is there a requirement that coverage continues for an employee who becomes disabled? If not, how does one insure against this event? Although I have both group health coverage and group (and individual) disability coverage, I am concerned that the disability policies only replace income, and that the health insurance would terminate if I left employment by reason of disability, leaving me with no health insurance coverage. This might really be a problem if my disability were one that required significant medical treatment. Any thoughts?"


Whoever is on insurance card for car insurance is covered right?
The car insurance company is suppost to print new policy paper if someone has been taken off the policy right?


Health insurance eligibility event?
how would employer or insurance company be able to verify wheather your spouse had switched jobs or lost coverage? to make it be considered an event...I NEED HELP


Can the second named driver cancel my insurance?
the car is mine but my partner paid my insurance for the year.he is a named driver,but now we have parted he says he can cancel the insurance on my car."


How would car mileage affect the insurance rate?
Will the rate go higher with higher mileage? (98 Corolla, CA) Thanks!"


Recommendation for Mexican auto insurance (going to Ensenada).?
We are traveling to Ensenada this weekend and I want to purchase insurance online before we go. Does anyone have a carrier they recommend?


Motorcycle insurance?
I live in the city of toronto but have a cottage up in peterborough. I got an insanely ridiculous expensive quote if i ride in the city, so i was wondering if i can get my insurance policy under my cottage address because i will likely just be driving it up in peterborough throughout the summer."


Employer wants me to repay health insurance premiums?
I work for a small company, less than 50 employees, so we are not covered under FMLA. I only received the CA mandatory leave, the 4 months. I have decided not to return to work. They want me to repay my health insurance premiums, which are not cheap. Anyone in CA have experience with this? Thank you!"


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