All Life Insurance Tips

Can my term life insurance rates go up? If I have already bought a term life insurance plan for 20 years a year ago, and I get a new job which is a higher risk job, will my insurance rate go up? If so how much could it go up by?

what are best term life insurance rates ? where can i find correct info? what are best term life insurance rates ? where can i find correct info? can any one help me regard it

Is it true that term life insurance rates will be decreasing in 2008? Will it happen right away or gradually throughout the year if so? I was ready to buy our policies a couple of weeks ago until I saw a large article published about the probability of this happening...

Would a diagnosis of Trichotillomania affect term life insurance rates?

Can you find a term life insurance rate chart? I'm looking for a term life insurance rate chart that covers 30 to 80 year old people and something that has 5, 10, 15, 20, 30 term rates on them.. Smoker and Non Smoker rates also. I'm pulling my hair out trying to find one... Any help would be awesome! Thanks. Any example would be great. I'm just trying to use the prices as a guideline. Thanks again..

How important is it to get the best rates Term Life Insurance company? I am looking at these options: http://www.zanderins.com/term/instantquote.aspx Is there really a huge difference from top to bottom? Can I go with the more affordable option?

What factors will affect term or permanent life insurance rates?

Does anyone have term life insurance with primerica? Are rates with another company better?

What height/weight ratio will get me best life insurance rates? I want to replace some ART life insurance with level term. But I'm worried my weight relative to height might keep me from the best rate. Is there some way to find out what numbers trigger higher risk? If so I might wait another year and try to lose 10-20 lbs.

Should I get private term life insurance? I'm 39 and have life insurance through my employer. I could probably obtain private life insurance for the same rate. Is it wise to get non-employer term life insurance now (before I'm 40)? I may not stick with my current employer for another ten or twenty years, but I'll probably be here for a few years. Is there any downside to waiting to obtain term life insurance elsewhere? Solution243--Looks like you have no real answers but send everyone garbage links (for scam, perhaps?). Or maybe the same link (from you) really does answer both this question AND someone else's question about how much he should be paid for working at a deli in New Jersey. I work for the federal government. The rate is decent, though I might be able to get a little better.

how to buy term life insurance? how to find the highest rated term life insurance companies

Can I convert a Northwest Mutual Variable Life Insurance policy to a Term Life Insurance Policy? I signed up for the expensive Variable Life Insurance policy when I was making lots of money. Now that my earnings have dropped, the Variable plan is too expensive. I have some health issues which will prevent me from getting a reasonable rate on a new term life policy. Is it likely that NW Life will allow me to convert to term at the "health standard" that they used to sign me up 15 years ago?

Which major company has relativly cheap life insurance for young people? Which companies traditionally have low rates for term life insurance for young people. I'm 24 and my wife is 25. We want to get 300,000 each. Neither of these answers answered my question.

who should I call to get term life insurance from? There are so many offers coming by mail, phone and adds. I am still healthy want to buy some term life. Don't know who to trust what is fair rates what are not. Don't know any one who has collected this type insurance. Have you

I have term life insurance with AIG purchased 5 yrs ago. Should I cancel it and buy from another company? I am concerned about having to pay more now that five years have passed and I am in a different age range (associated with higher rates). Is my insurance policy secure? What if AIG goes under?

Life insurance rates in CA vs TX? for the same coverage (i.e. $500K 30 years term life) is life insurance cheaper in CA or in TX? We are going to be moving to TX in the next couple of months, and we want to buy life insurance. I'd like to know if we are better of buying it here in CA or wait till we get to TX.

health and life insurance... reasonable rates and types? what type of health insurance would you reccomend? HMO PPO, other. what kind of rates do you pay? what would you consider reasonable for a man, woman, child family plan? (self employed, small business owner) what about life insurance? difference between term life, whole life, cash value policies, etc.

Can someone please explain the diff. between term life insurance and regular life? Also is it better to just by a plot burial and lock in the rates today, my job does not offer life insurance and i would like some type of reassurance for my family if i were to die. I'm in the 25-35 yr range group, can anyone suggest polices or explain them altogether!

Term LIfe Insurance, amount and duration? Few questions about term life insurance: I am 24 married with a mortgage, and 2 kids. First the amount of insurance: I have been told two different ways to look at this: a)buy as much insurance now as I can because it will be cheaper when you are young and can "grow into it." When Im older and need more insurance the rates my be higher to purchase a higher amount. b) buy just what you may need to pay off mtg and put the kids through school. With the thinking that it will be cheaper and put more money in my pocket now, and my needs will change over time and later I can get a great amount of insurance later if needed. Then the duration: I have heard just buy 10 year as it is cheaper now and rates will decrease with time and your needs will change, and I dont want to be locked into a higher rate. But what if I am in worse health 10 years from now and the rates are higher? But others say buy 30 years because you will have the certainty of having the same rate for 30 years. Thanks

Anyone used AAA for Life Insurance? Trying to decide between AAA and Farm Bureau? Getting Term Life Insurance and my rate from AAA looks better than what i was quoted from my Farm Bureau agent. Any recommendations? Excuse me but Ambest CHARGES $145 for a freakin report on companies. That's a ridiculous and arrogant answer.

What length term life insurance should my husband take? He is 55 (we have no children) and the rates for $100,000 would be: $435.00 per year for 20 years, $640.00 for 25 years and $809.00 for 30 years. We're stuck which one to go with, any opinions? thanks

Can a life insurance company increase rate of premium arbitrarily during policy period? Suppose I take term insurance (for life cover) for 25 years from some company since I find they charge lowest premium. Can it happen that the company hikes the premium rate arbitrarily after 5 years, to such an extent that I find the rate is more than the premium rate of some other company I ignored earlier. Is it better to stick to public sector insurance companies or are they as good as private sector companies? Thanks for the reply. However I am more interested in the current situation in India.

Are white lies ok on a life insurance application? I can get a better rate on new term life insurance because I do not need a medical exam from AAA but I take a prescription for high blood pressure which has been controlled for many years but my current policy has a red flag in there for it from 20 years ago. Do I have to tell AAA about the prescription for high blood pressure and the fact that I already have a policy now because if I do I fear I won't get the advertised rate which will kill the savings. Opinions appreciated.

Applying Term Life insurance while waiting for lab results? I had an endoscope and doctor find out that I might have lump or cancer. The doctor said he need to test on cell and let us know the result in two week. I want to have life insurance Amount $100,000, 20yr term. Here is my questions, as soon as I apply application, do I have to tell them he had test and waiting for results or just not saying anything since underwriting is processed, they'll find out right? or not? I'm not sure. If company didn't find out and approve insurance, is this legally ok? (for future claim) I don't know, what is best way to have me life insurance with lower rate Thank you for your answers. Is there a term policy that has no/little medical underwriting. Can I have that information? Thank you If I'm applying no medical underwriting, do I need to wait after test results or before test results to apply? To get better rate.

Is there any benefit with staying with the same life insurance co. when wanting to add additional term life? Basically, I am looking to increase my insurance coverage at this time and wanted to know if I am better off doing it with a insurance company I signed up with years ago or shopping around to find a better rated one. I currently have universal life but I now want to add a Term life policy. Not interested in increasing my universal life since it is expensive and only interest is just adding a term life policy. Just do not know if there is benefits with doing it with a company I already am insured through.

27, single, no kids, great health, should i get term life insurance? I spoke to an agent and he recommended life insurance (since in the future I plan on having a family, kids husband). Term insurance for 10 20 or 30 years is pretty cheap ranging from 10-16 bucks a month for me, whole life is A LOT more. I understand the rate for whole life will just keep going up as i get older, but he said it would make sense for me to get term just so I can take the medical test and in the future 10 years (or before the term life insurance expires) I decide to get a whole life policy with the same company (met life) they would still quote me a premium at the health I had when I got my term policy (in case my health were to worsen).... Am i Making sense.. So basically he said to get the term insurance just so I can take the test now and wont have to in the future (20-30 years) which by then who knows what my health may be....My age will pay a factor at that time at how much whole life will be, but my health work for me and not against me.... What do you say? (then by 20 years I can really see if im going the route of having kids etc)

If I cash out my universal life insurance policy will I have to pay taxes on the money? I have purchased a term life policy. My universal life policy is raising each year therefore eating up my cash value unless I pay higher rates. The term life policy rate is frozen for 10 years and is worth more than the univesal policy. I want to cash out the univerasl policy and cancel the policy.

CAN SOME PLEASE THE DIFF. BETWEEN TERM LIFE INSURANCE OR REGULAR LIFE.? Also is it better to just by a plot burial and lock in the rates today, my job does not offer life insurance and i would like some type of reassurance for my family if i were to die. I'm in the 25-35 yr range group, can anyone suggest polices or explain them altogether!

possible to lower your term life insurance policy premium? instead of shopping around for a new company, i was wondering if i can contact the current company to see if they'll lower the rate due to the insured person's improved health. the person was extremely close to qualifying for the best rate, but technically fell in the second best rate, but we're confident that the best rate will apply at this point. thanks in advance for your reply!

10 yr, 20 yr, or 30 yr term life insurance?? I'm 20 years old, married, no kids. I want to take out a term life insurance plan. (I probably will need it for about 30 years) My question is, should I take out a 30 year plan, so I will be paying the same rates in 30 years? Or should I take out a shorter one, paying less, than purchase another one in 10 or 20 years? I've heard speculation that rates will be lower when I'm 40 because life expectancy will be longer. What do you guys think? I'm in good health and don't have a bad medical family history. Thanks!! I do have a wife

Is term life insurance pay out tax free? If not are there any exceptions? State ? etc? Whats the rate?

Looking for good company to buy term life insurance? My husband and I recently purchased a home and have a baby on the way. We are desperately searching for a solid insurance company to purchase a 20yr level term life policy. I have gotten a quote from an independent insurance agent that suggested for Primerica at $95/mo (for both of us with a disability waiver rider) (note: agent is family member), one from SelectQuote for Banner Life (never heard of them) at $64.97/mo for same coverage and waiver, and one from another insurance finder for ING at $72.70. ING has had a good rating but I think they have just been demoted slightly from AM Best and S&P. Any info I find online for customer reviews are all negative for every company I look at (not a single positive review for any). I'm not quite sure how these rates vary so widely. I would rather spend a couple extra dollars a month for peace of mind but I am truly at a loss of what to do. Can anyone make any suggestions or recommendations for a company to go with or look into? Thanks. I appreciate all of the help. We know exactly the type of policy we want and the only debts we have are mortgage, college loan and 6 months payments on 1 car. Our financial situation is good but neither my husband nor I can live without each other's income and owe 28 yrs on our mortgage so it is imperative that we get a term policy asap. I'm choosing not to go with Primerica since I have gotten quotes from other companies for around $70 for both of us. I do not wish to pay for services I don't need. I want a term policy and that is all. I will not be using New York Life either since I told the agent exactly what we wanted, how much, why, and which riders to add and all he did was try to talk me out of it and sell me a whole life policy. I am willing to bypass an agent and deal with the company directly if I continue to be unsuccessful with the agents that I've been in contact with. Can anyone recommend an insurance company that I should look into? I'm not interested in any mor

What type of term life insurance to get? I am a 23 year old male that has type II diabetes. I have around $40,000 worth of debt from student loans, and I'm going to be getting married in a year. My parents currently have me covered so that if I die, they can afford my burial and other costs. I am more concerned about getting a 10 year term life insurance policy to help my wife if I die after we get married. Once we have kids, I would plan on getting something like a 30 year term life insurance policy. Anyways, does anyone have any recommendations on how much coverage I should get and what companies have good rates (especially for diabetics?)

Does universal life insurance make sense for us over term? We are in the process of getting life insurance quotes. Married, wife is 23 and husband is 27 (he is a pilot so has horrible rates). At first we thought we would want a 30 year term policy for $300k. When we met with an agent he gave us quotes for term and universal life. The premiums were about $30 more a month (increased from $170 to $200 for the two of us) for the universal life policy. I would have never considered a permanent policy until receiving these numbers as from my research I thought we would get very low term rates and unaffordable permanent policy rates. $200/month is unaffordable so we are likely going to drop our amount of coverage to the minimum we'd need anyways. I don't foresee us to need insurance after the 30 years is up, we would rather invest on our own, etc. Just looking at the cost per month and that after 30 years we'd be out the $170/month with nothing to show except peace of mind vs. after 30 years paying $200/month having a bunch of money guaranteed to us (another form of retirement savings although with high fees), would it be dumb to choose a term policy because of our weird rates? Which should we pick (I am still shopping around to make sure I can't get a better deal on term but this is going through our family's agent)? Thanks! From the guaranteed projections for this 50% fixed 50% variable (based on S&P500) policy we would come out ahead vs. investing the $30/month difference on our own. Otherwise, I would never even consider this. I had always heard it was better to get term insurance. Thing is, our rates are so high as my husband is a pilot (otherwise it would be under $80/month and term would be a better deal). The goal is to protect the surviving spouse against our debts for the next 30 years while we expect to have debts (or our parents if both of us die). Are there any other types of permanent insurance that we should look at instead that may still make more financial sense than universal? I am also getting more quotes to see if this term quote was high. Also, this rate is subject to decrease after they evaluate the questionnaire my husband answered about his flying (the agent assumed he would get the same rating as his other clients who are pilots). We have separate retirement savings.

Switching terms or conditions of life insurance? Ok, so let's say I take out a 20 year term life insurance policy then after 13 years I want to convert to whole life. If I'm currently at a 1a rating, do I have to go through medical exams again and risk having my rating changed? In other words, what happens if I have a heart attack between now and then and then want to change policies? Would they then rate me 4c or something and it end a relatively larger amount?

Should I get Term Life Insurance at a young age? I am currently 30 years old and in excellent health but since I am getting ready to start a family, I want to be prepared for the future of my loved ones. After reading about different life insurance options, I am deciding to go with Term Life Insurance for 20 years. Is it true that Term Life Insurance premiums don't change throughout the life of the term? If so, shouldn't I sign-up now while my annual payment will be low and locked in at this rate? My employer offers a very small life insurance benefit that I am already a part of but I want more just in case. While I am asking, are there any circumstances where a payout won't be made if I were to die under a term life insurance plan? Is it guaranteed? What if I (God forbid) get Cancer or have a heart attack? Thanks in advance! Wow, what an amazing set of responses. Thank you! To add to my details, I do work and make $60k annually. My wife just got laid-off so is temporarily unemployed.

life insurance question? I am looking for term life insurance, meaning the rate would would locked for 30 years regardless of my husband and I getting older. I just have couple questions, i am hoping someone would shed some light: what does this mean??: The Select-a-Term provides a level death benefit term to age 95 also what does this mean? Current premiums are guaranteed level for the first 15 policy years. if i am selecting 30 years, why are they only guaranteed for 15 years? also, what else should I be looking for? thank you!

Where can I find affordable life insurance for sr citizen in-laws? I read a previous thread suggesting MediCare, but I am not talking about HEALTH insurance. They only have term life insurance tied to current job, and they need to retire. They have no burial policy, and each is worried about leaving the other with burial expenses and debts. I have seen a few ads online, but when you get to the fine print, they seem mostly like scams. They probably wouldn't get a very good rating if a health exam were required. Probably $15 -$25K max would be the amount needed. They live in Texas if that matters.

Should I ditch my Genworth term life insurance policies? Genworth is in financial trouble. Their bonds have been downgraded to Baa1 (still investment grade, but I would expect better from an insurance company) Stocks in the tank. Losing ludicrous amounts of money. Their insurance ratings are still decent, but those rating companies give just about everyone an A or higher, so I don't trust 'em. http://online.wsj.com/article/SB122641820309017419.html?mod=googlenews_wsj

how to solve this insurance rates math question.? A non-profit organization called SafeLife wants to offer low cost, term life insurance to the residents of Oregon. If the organization needs to make a 5% profit on their insurance policies to pay costs, how much should they charge a 30 year-old woman for $200,000 of 20 year term insurance? Below is part of the survivorship table Survivorship to different ages (out of 100,000) (Age)(Males alive)(Females alive) 20_98,541_____ 98,983 25_97,834_____ 98,746 30_97,147_____ 98,466 35_96,423_____ 98,108 40_95,525_____ 97,586 45_94,209_____ 96,776 50_92,224_____ 95,530 55_89,270_____ 93,737 60_85,227_____ 91,220 what is the 1.05 in your 5% solution below ?

How do you solve this insurance rates question? A non-profit organization called SafeLife wants to offer low cost, term life insurance to the residents of Oregon. If the organization needs to make a 5% profit on their insurance policies to pay costs, how much should they charge a 30 year-old woman for $200,000 of 20 year term insurance? Below is part of the survivorship table Survivorship to different ages (out of 100,000) (Age)(Males alive)(Females alive) 20_98,541_____ 98,983 25_97,834_____ 98,746 30_97,147_____ 98,466 35_96,423_____ 98,108 40_95,525_____ 97,586 45_94,209_____ 96,776 50_92,224_____ 95,530 55_89,270_____ 93,737 60_85,227_____ 91,220

Explain Universal vs Term life Insurance Quotes? My wife and I just bought a Universal life insurance policy. We each have $100,000 in coverage. After talking to my parents, who are 59 and 58 years old and have term life, we think we are paying too much per month for premiums. Our agent showed us and told how the premiums we pay will partially go into a savings account and collect interest. This looked like a good thing and that is why we went with the Universal coverage. He also told us that the premiums for term would keep going up as we got older. My parents pay a combined $65/month for there life insurance (with $150,000 coverage each). My wife and I pay a combined $125/month. After talking to my parents and reading up on the difference between universal and term, it seems that the money that is suppose to be in a "savings account" with universal, might not be all it's cracked up to be. I know they gaurantee you a certain interest rate, but that is only if they perform and make the profits that they need to. My question is will there really be as much money in a "savings account" as the agent showed us, or will we cash out at the end and only get a few hundred dollars? Can you explain the difference a little better for me? Thank you very much for your time

should i get 20 year term or a 30 year term life insurance? My husband and I currently have a 20 year term life insurance policy. We are switching companies because we were paying too much at State Farm. I'm 30 and he is 33 and we are both in very good health. We have a 9 month old baby boy and our policies are for $500,000 each. The rate I'm getting is $45 for both of us for the 20 year term and $70 for both of us for the 30 year term. Which one should I go with? I know it will be expensive to get a new policy in 20 years when it expires but won't it be even more expensive when i have to get a new policy in 30 years when i'm 60?

Who should I contact to get term life insurance with lower monthly premiums? Ok. Here's my situation. I recently submitted a request for term life and after sorting through the number of agents that called my house, I decided to go with an agent that works for one of there very strong A+ rated companies but also runs his own financial firm. He came to my house and I answered questions and took blood tests,etc. I received a letter from the insurance company that I had been accepted as standard+ due to information from my medical records . I guess something they found didn't meet their underwriting requirements. By being in the standard+ class the monthly premiums are about $30-40 more a month. I am a 32 year old in good health and weight. I am however on an anti-anxiety drug for panic attacks which I've had since high school. My agent tells me he's going to "shop the market"to see if any other companies will take me on in a better class. But he tells me he hasn't gotten any calls. Should I contact a company or independent broker and start all over?

Where can I buy level term life insurance directly from the company w/o paying agent fees?...? ...(Co. must be highly rated. I have tried sites like insure.com, but they refer you back to individual agents, much to my dismay.

Purchasing Life Insurance with medical history problems? I need a small at least term life insurance policy becasue I have no assests and know my children can not afford my burial etc.. However I have had and do have numerous medical problems which means I will either get denied or rated so high I may not be able to afford it.. Any suggestions or where to start.. Thanks

term life insurance question? i just called select quote and got a quote for a fixed 30 year insurance plan for 500,000 at $38/month. do you all think that's a good rate? they don't charge me anything if i choose to discontinue the insurance. i wanted to get some feedback from you all. i was interested in it bc i just had my son and wanted it "just in case." in your experience is the deal i got good? i calculated it and if i paid 38 dollars/month for 30 years and nothing happened to me it would be over 13,000 down the drain. but i guess that's the purpose of insurance. please let me know your thoughts. and, i got the quote over the phone and may have lied about my weight, etc. the rep told me later in the convo that a nurse practitioner will be coming by my house to take a physical and will want my doctor's info to get my medical records. what are your experiences with that?

What life insurance company in NY offers the lowest rate on annual increasing term? I'm a 29 year old smoker otherwise in great health

what are the Best Life insurance companies out there ? We are looking for term Life insurance for my dad -He is 48 years old. -He drinks occasionally -Tobacco user -full time Truck driver -Has Type 2 Diabetes (Right now its not in control he had high Hcl results last time he got his lab done ) -He applied for New york life insurance and they denied his application coz of high blood sugar results ) so what company can provide him good coverage with affordable price or its just impossible for Diabetes patient to get a life insurance ? what are the high rating insurance companies out there ? I searched online but when it comes to reviews every company has 50/50 good and bad reviews .doN'T KNOW HAT TO DO.!

Term Life Insurance question (Re: age)? I am a healthy 39 year old male. I have had a 15 year term life policy for 10 years. If I were to cancel my current policy and initiate a new policy, will my rate be lower if I do it now (at 39 yrs. old) vs. at age 40?

The cost of term life insurance? Has the cost of life insurance gone up, down or stayed level over the last 20 years? My wife wants to get a policy for our 11 month old so his rate stays the same incase he comes down with a major disease or something. I know it is really cheap for say a 22 year old to get a 100K policy that is in good health. So I wonder. The odds of something major happening are slim ( no know family history of anything) and we could use that money to add to his 529, IRA (when he starts working) ect... What's everyones take?

Obese and life insurance, but healthy otherwise...? I am 21 years old with two young kids. I am very healthy except the fact that the two pregnancy and hormonal contraceptives took a big toll on my weight that I am now trying to fight off. My BMI is 33.1. I am 5'5 and 203lbs. I am slowing loosing weight, but we went out and bought life insurance and now I am wondering how this will effect my rate. We got it through metlife and its a term life insurance, did someone go through this, can you help me out with what I might experience with the rates because of this.

Life insurance policy questions? I'm 35, I have two daughters (age 10 and 5 months) plus two step sons and a fiance. I'm at a point in my life where I want to purchase life insurance to take care of my kids. I work for the government and won't be legally able to retire for another 17 years. I only have one policy (paid for by my work) for 48K and this is not enough. I want to take out a policy for 1,000,000. Should I go with the 10 year term life insurance and re-enroll when I am 45? What are the chances that the lock in rates will go up or down based on historical evidence? If you were in my shoes what would you do? I've already considered whole life but honestly I can't afford the premiums on whole life for this sort of policy (although I haven't looked) and I'd rather invest the difference in IRA's for the next X amount of years. I'm considering either the 10, 30 or 35 year term. What do you think? Thanks for all replies!! I was thinking of taking out a 1-2 mil policy now for a 10 year term and decrease the amount as I get older and my kids get older. I figure when it's time to renew I can take out a smaller policy every so many years until the kids are old enough to take care of themselves and then when I am real old I will only need enough just to cover my funeral expenses and a little something for the kids/grandkids. DOes that help? I don't know if I am misconceived about the notion that if I go with a longer term and say I died just after the insurance took effect, my kids would get the amount of the insurance policy minus the premiums owed for that many years (say 35 year term life) - is this correct or am I overanalyzing?

How is State Bank of India (SBI) Life Insurance? Customer service, premium rates, etc? Read about SBI Life's term assurance scheme "Shield". Is it any good? I think it has some 50% increase every 5 years option! Has anybody bought it, is it worth buying?

Should i cash out my life insurance and pay off debt? My parents got me a whole life insurance policy when I was young. Now I'm 24 and have a full time job (have worked here for over a year) and am receiving term life insurance from my work. Do you think it would be a smart idea to cash in my Whole Life policy and pay off all of my debt. Instead of paying high interest rates and barely getting any of the principal paid off i could pay it all off and save my money for other things. I dont need two insurance policies right?! I am engaged but I dont have any children, and dont plan to for another 5-6 years. P.S. I'm not going to work online, i have Bachelors degree. I'm worth more money than that. I can do freelance work if i have to. But I'm not looking for advice on getting an extra job, im looking for financial advice about Insurance.

Should I cash out one of my life insurance policies and pay off my debt? My parents got me a whole life insurance policy when I was young. Now I'm 24 and have a full time job (have worked here for over a year) and am receiving term life insurance from my employer. Do you think it would be a smart idea to cash in my Whole Life policy and pay off all of my debt. Instead of paying high interest rates and barely getting any of the principal paid off i could pay it all off and save my money for other things. I don't need two insurance policies right?! I am engaged but I don't have any children, and don't plan to for another 5-6 years. P.S. I'm not really looking for advice on getting an extra job, I'm looking for financial advice about Insurance. I have a Bachelors degree, I can do freelance work if i have to. I already work full time tho so I am avoiding getting another job. I would rather be broke than stressed to death, hah. I do own the policy, its in my name. I already talked to my parents about it and they are fine with any decision i make. Yall are giving me some really good things to think about. Appreciate the advice :) I'm just now starting to understand all of my insurance/disability/and 401k stuff, and man is it confusing!

Is there a low risk type of investment that can outpace an ROP life insurance's rate of return? Hi, I'm 34, f, non-smoker/healthy. Before hearing about ROP life insurance I was sold on a simple 30 year term life. But, however morbid as this may sound, I feel that all those premiums would seem wasted if I live beyond the 30 yrs. If the premium on a simple term life is $50/mo x 12mo x 30 yrs = that's $18,000 of money just given away. Now, say I pay $100/mo for ROP life, I'm going to get the whole $36K back. I'd love to go straight term and just invest the $50/mo myself, IF I just knew a type of investment that is mostly or all of the following: 1. It is low risk or risk-free 2. Low cost - about $50/mo 3. Will outpace ROP's rate of return (which, if my calculation is right, is $36K tax free if I outlive the policy and if I do not cancel before the term is up) So what do you guys and gals think? To me, since I currently do not have an investment plan, and only have a few months before I turn 35 and the premium tier's increase, the Math makes sense. Unless I'm missing something. Thanks everyone for your generous input. I have the discipline to set aside the $50 every month to invest (will just do a monthly "autopay" to the investment account). So I do have to ask - what is the minimum amount any of these mutual funds/ IRA / bonds that you've mentioned require to open? Will there be any fees to maintain and/or fees to add to it every month? Will I be tied to a certain term? Any fees to close prematurely? Sorry for so many questions, I still do not have an insurance / investment person. Thanks!

canadian term life Insurance? GET RATES FOR TERM LIFE FROM cANADA

Typical Premium for 30 year $250K Level Term Life Insurance? Any ideas for a 30 year old male and female (listed seperately) at the standard health rate? Terrible answer on the price being irrelavent....especially from someone that is a financial advisor. I've had 2 financial advisors from two different highly rated companies and they where pushing $1M polices with a combo of pernament life...seriously? I just want all dept wiped if I were to die.

need some opinions on term life insurance? so I am 35, husband 34. we have 2 kids(2 and 9 months) and 25 years left on our mortgage. had medical exams come back. I am preferred plus ( cheap as heck) husband came back standard (weight and cholesterol) I originally wanted 250,000 policies, but with my husbands rating that would be like 50 dollars a month alone. The last thing I want to do is go broke paying for insurance. Is a 20 or 30 year better for us? would 150,000 policy be okay. thank you

I am thinking of entering the nfl next year and thinking of buying life insurance? I am thinking about going into the nfl next year, does it matter when I buy life insurance. Also term versus whole and what about disability. To rates increase since I am a professional athlete. Does it matter if I buy it before I am technically a pro athlete? Supposed to be a 5th rounder, making about 700k my first year I have friends that work with northwestern mutual and was curious if they would be able to help me out?

i have had life insurance now for 4 years.now they want me to go to whole life,what should i do? i have term life insurance,now they want me to go over to whole life which would earn money,and that my rate would be locked in .

1 crore life insurance in india? Hello All, I am 29, s/w engineer, want to have a full term life insurance policy in India of Rs.1 crore for a very long period of time (35+ years, may be till end of my life), can anyone suggest me please- 1- Which company will be best to give at lowest yearly premium rate? 2- How much lowest premium rate would be? Please provide any other suggestion if you can. Thanks a lot in advance !! Dona.

What life insurance company in NY offers the lowest rate on annual increasing term? I'm a 29 year old smoker otherwise in great health

TECHNICAL life insurance 1035 and valuation question? I am an attorney. My client has a life policy, from 1995, with about $65k of cash value. It's with a high rated company and is a 90/10 blend of term/whole life. I therefore assume the terminal interpolated reserve, for gifting purposes, is about $65k. Client wants to "devalue" the policy before making a gift of the policy. Reading in Consumers Reports (or some such pub) I noticed that term rates have gone down drastically in the last 10 years due to mortality changes and I thus assume whole life have to. Could policy owner do a 1035 to a new policy, thereby reducing the cash value, and then gift the policy this year or next? That is, would the terminal interpolated reserve be much less than $65k at that time since the new policy would use the cash and therefore have a very low cash value? Second question, is this a stupid idea?

Universal vs Term life Insurances? My wife and I just bought a Universal life insurance policy. We each have $100,000 in coverage. After talking to my parents, who are 59 and 58 years old and have term life, we think we are paying too much per month for premiums. Our agent showed us and told how the premiums we pay will partially go into a savings account and collect interest. This looked like a good thing and that is why we went with the Universal coverage. He also told us that the premiums for term would keep going up as we got older. My parents pay a combined $65/month for there life insurance (with $150,000 coverage each). My wife and I pay a combined $125/month. After talking to my parents and reading up on the difference between universal and term, it seems that the money that is suppose to be in a "savings account" with universal, might not be all it's cracked up to be. I know they gaurantee you a certain interest rate, but that is only if they perform and make the profits that they need to. My question is will there really be as much money in a "savings account" as the agent showed us, or will we cash out at the end and only get a few hundred dollars? Can you explain the difference a little better for me? Thank you very much for your time.

What factors will affect term or permanent life insurance rates? i want to know all possible factors that will affect my term or permanent life insurance rates

Life insurance question? I am looking for term life insurance, meaning the rate would would locked for 30 years regardless of my husband and I getting older. I just have couple questions, i am hoping someone would shed some light: what does this mean??: The Select-a-Term provides a level death benefit term to age 95 also what does this mean? Current premiums are guaranteed level for the first 15 policy years. if i am selecting 30 years, why are they only guaranteed for 15 years? also, what else should I be looking for? thank you!

Permanent Life Insurance - Why? I am 32 (married, 1 daughter) and am looking to have about 700,000 in life insurance. I can get most of this insurance in a 30 yr Term Insurance at a good rate. My question is: within 30 yrs, my kids will have finished college and moved out. If so, would my Term Insurance suffice or should I look at getting some Permanent Life Insurance? Why would I need permanent life insurance? I read on the internet that Permanent Life Insurance is used for burial costs and to pass money on to my heirs. What if I can accomplish both of those through just my personal finances? So my question is: why would one ever consider permanent life insurance

Do we need to deregulate the health insurance industry? Insurance companies are one of the most regulated industries on the planet. Instead of putting in place a Universal Healthcare System, should we model health insurance around the life insurance model in place today? If we deregulate the insurance industry and allowed competition across state lines, it would be affordable. You can have whole health that grows in value until you need it like whole life. You buy it young to get the cheap rates. You have term health that can be bought in 1 year, 5 year, 10 year or 20 year increments like term life. Premiums would be based upon the policy you choose and a physical exam. 1 year term health would be the cheapest and would cover the basic healthcare and the cost adjusts every year we get older. Whole health would be the most expensive and if you didn't use the entire policy when you die, the retained value passes onto your children or spouse. To me this makes sense vs. UHC. Thoughts?

How do I find a good life insurance agent? I am expecting my first child by the end of the year. I want to purchase life insurance, but I would like to go through an independent agent/broker as they work with multiple companies and can get me the best rate. I have a very solid idea of what I want (20 - 30 yr. term, roughly $750K - $1MM). Where should I start looking? Google only turned up th expected advertising links and results for the big boys. I am new in my town, so no people to ask for referrals. Thanks for the help!!

10 yr, 20 yr, or 30 yr term life insurance?? I'm 20 years old, I have a wife buut no kids. I want to take out a term life insurance plan. (I probably will need it for about 30 years) My question is, should I take out a 30 year plan, so I will be paying the same rates in 30 years? Or should I take out a shorter one, paying less, than purchase another one in 10 or 20 years? I've heard speculation that rates will be lower when I'm 40 because life expectancy will be longer. What do you guys think? I'm in good health and don't have a bad medical family history. Thanks!!

How is State Bank of India (SBI) Life Insurance? Customer service, premium rates, etc? Read about SBI Life's term assurance scheme "Shield". Is it any good? I think it has some 50% increase every 5 years option! Has anybody bought it, is it worth buying?

What advice can you give on rescinding a life insurance policy? So here's my situation: A friend of mine referred me to this insurance company called World Financial Group. So I went and the agent there told me a bit about the company, and I thought I liked it, so I decided to agree to join the company as well as become one of their clients. I also wanted a job where I would be able to work with my friend. Later, being more informed about the company, I learned that my friend had recruited me, by referring me, so I was technically his client and I also work under him. So what I regret doing was putting $2400 up front for a policy called the Indexed Universal Life policy. Basically, it's a whole life insurance policy but it also has a cash value, which grows in interest and helps pay for the cost of insurance. What I liked about it was it seemed like an appealing way to invest my money in, since I have some spare money sitting around in the Chase bank, with a meager .05% interest rate. Now I'm hearing that it's illegal to sell IUL as an investment plan. There are a lot that I don't know about this policy, though the agent did a lot of talking. I probably know more about how to sell the policy than I do on how the policy works. I was told that in order to work in this company, I needed to purchase an IUL policy, otherwise, my clients wouldn't trust me. Isn't that illegal business practice? To force an employee to buy something you sell in order to work for the company? So this IUL policy I have, I believe covers me 500k if I pass away. The premium is $150 a month. I don't remember what percentage of the premium goes into the cost of insurance, and what percentage goes into the cash value. The thing is I don't need such a huge policy because 1) I already have a 400k SGLI policy, which costs $27/mo, because I'm in the Army Reserves, 2) After the $2400 runs out, which will probably happen pretty soon, I still expect to be in College, which means I won't have a job and a stable income to continue paying the premiums. At first, I thought I would stay in this company, and make pretty good income, and use that income to pay for IUL. However, a lot of heavy recruiting goes into working here. There's no required quota, where you have to recruit so many people otherwise you're fired. There is, however, a quota for advancement. I have to recruit 3 new employees and find 3 clients in order to be promoted. I'm not the one who does the recruiting either, I'm supposed to bring friends, family members, acquaintances - anybody I knew - and have the Marketing Director do all the talking. Me, I just sit back and watch how an experienced agent does it, because that's how I will be expected to do it as well. Being so uncomfortable about what's required of me, the fact that I would have to get my friends, family, classmates from several years back, pretty much anyone I knew into this business that I hardly know a thing about, I simply stopped coming to their meetings. I don't want to be making money off of the people I just listed, and if I did, I'd rather it be a good service that I can feel I've actually helped someone. I have a feeling that this company targets less educated people. This companies promises to "educate people on how money works," and that it "focuses more on concepts rather than products." So far, I found it all to be quite hypocritical, because it seems to take advantage of people who don't know very much about finances, and get them to buy actual products, e.g. IUL. So long story short, I want my money back. I'm not sure if that option is still available because it was Dec 15ish of '09 that I signed all those contracts and had my $2400 withdrawn from my savings. I'm not sure if I'll be able to cancel the policy AND get my money back because of surrender charges. I also feel very uncomfortable talking to my agent about this because to be honest, I don't trust him. I think he's just going to keep pushing for me to keep this policy and get me to start recruiting people again. Even he says he's very biased when it comes to giving his opinion on the financial world simply because the company he works for, WFG, sorta brainwashes you and indoctrinates you with a certain belief system. For example, term life insurance is bad because you don't get anything out of it once the term is over and you don't die. That's why I am asking for advice here. I want someone whose income does not depend on me sticking with a policy to give me advice, preferably someone who knows about this stuff, a life agent perhaps, or a client who knows what IUL is. If worse comes to worse, I might have to rescind the policy, saying that I wasn't well informed when I decided to go ahead with it, and that the main reasons why I bought IUL was because I thought it was good to invest my money in and because I was required to get it because I wanted to work for this company - both of which are probably illegal business practices, correct? So if you know about fi

Life Insurance help........? Hi I'm currently shopping for life insurance for my mom. This is my first time shopping for life insurance so I have no idea how life insurance works and do not know what I should look for. Can someone give me a few pointers? What kind of questions should I be asking when talking to an insurance agent? Also, I hear there's Term Life and Whole Life insurance. What are the difference between the two and which one is better? I'm actually looking for a policy that's around the 100K to 75K range, so what is the average rate? Which company are reputable and which company should I avoid? Any info, source, site, links, feedback are greatly appreciated. Thanks.

What type of life insurance would be best? I am buying a home and would like to have insurance that would pay off the balance of home if i die before it is paid off. I am using a VA loan so I do not have to have mortgage ins. But I would like to know is such ins rates go up or down due to age and balance left on loan term?

Is purchasing a small amount of whole life insurance ever a good idea? I am a single woman in my mid-30s and unfortunately have not been able to save much for retirement. My 401k from a previous job has been all but decimated in the last year, and I am not eligible yet to join my new company's plan. I sought to open a Roth IRA, but the financial adviser my credit union recommended me to is actually an insurance salesman. He wants to sell me a whole life insurance policy with a $169k death benefit that would cost me $100 per month. I keep reading that whole life insurance is typically a bad investment unless you plan to keep the policy for more than 20 years. If I sign up for the policy, I would do so with the intention of keeping it as a long-term investment. The term insurance I have through work would only pay my beneficiary $35k, and I would prefer that my mortgage and other potential bills not be left for someone else to take care of if I got hit by a car and killed tomorrow. The projected rate of return over 30+ years looks good, but I do realize the guaranteed rate is the only, well, guarantee. And I understand my premium will stay the same unless I opt to buy more insurance. But everything I am reading from financial experts (Suze Orman, for instance) says it is better to buy term insurance and invest the difference. Is this a blanket guideline?Can a small whole life insurance policy ever be a good idea in combination with other investment strategies? I am so confused.

Should I buy cash value life insurance? I'm trying to set up a retirement plan with my financial advisor. i make a real good salary and don't qualify for the roth IRA or other tax exempt retirement programs. I'm maxing out my 401K. My advisor suggests to open a universal life insurance policy. He points to the tax benefits of these policies as his reasoning in choosing it. I've got good term insurance and don't really need the extra coverage, but when he compared the tax savings on the universal life policy vs things like mutual funds/stocks it seems to make sense. i guess the one thing that is missing is the rate of returns on these investments and if there is enough of a difference to make up for the extra taxation. i'm clearly not savvy with financial manners, so i hope to find an educated objective answer.

Life Insurance Policies? Can anyone help me with my homework regarding Life Insurance? these are the following: 1. Taylor is divorced with two small children. His salary is P100,000 per year, and he has no group life insurance. Should Taylor buy any life insurance? If so, should he buy term or whole life? 2. Other things than equal, explain how each of the following would likely to affect the growth of a universal life policy's cash value: --- The policy holder reduces the annual premium payment by 50% after five years. --- Market interest rates are stable for five years and then decline sharply and remain at the lower level. --- Researchers discover a cure for cancer five years after the policy is issued. thanks!

Does New York Life provide good term insurance? I am looking into getting term insurance now that I am 33 good health and now have a baby to worry about. I have considered AIG, AXA, and New York Life. Can any customer from New York Life commetn on their experiences with them. God forbid something happen I do not want insurance company giving spouse a hard time collecting premium. Furthermore can anyone provide CURRENT S&P credit rating? It peeves me that everone like to stick credit rating paperwork from a few years ago in their poop packet. Uhhh hello? the world has changed a bit over last year. Thanks!

Cancelling life insurance? Hello. I have a life insurance policy through State Farm (20 year, term) and I just got a much better rate through another company (with AMBest's highest rating). How does one cancel a life insurance policy? Is it as simple as calling State Farm? Should I expect to have to pay any fees to cancel the policy?

Does anyone have term life insurance with primerica? Are rates with another company better? which company have the best life insurance rate?

What height/weight ratio will get me best life insurance rates? I want to replace some ART life insurance with level term. But I'm worried my weight relative to height might keep me from the best rate. Is there some way to find out what numbers trigger higher risk? If so I might wait another year and try to lose 10-20 lbs.

Which life insurance should a 32 year old sign up for? I'm planning to get the term life for $1 milliion for 30 years and the cost annually is: Banner Life $700 A+ TransAmerica $740 A+ AIG $760 A++ AIG is the only one that's getting A++ rating (I don't know what that means but anything with lots of A plus sounds good). Yeah...I have a family and mortgage I have to help them pay off. My friend just died of cancer this past weekend at age 30. I want my family to be taken care of if anything happens to me.

Can I convert a Northwest Mutual Variable Life Insurance policy to a Term Life Insurance Policy? I signed up for the expensive Variable Life Insurance policy when I was making lots of money. Now that my earnings have dropped, the Variable plan is too expensive. I have some health issues which will prevent me from getting a reasonable rate on a new term life policy. Is it likely that NW Life will allow me to convert to term at the "health standard" that they used to sign me up 15 years ago?

Whole life vs. term--can you prove higher return with whole life? Someone posted a question about whole life vs. term and someone claimed they could prove whole life had equal or better return than buying term and investing the difference in the stock market but the question was closed before the answer was completed. Here's another chance for the whole-life apologists. My contention is that high fees and commissions on whole life will overwhelm any investment advantage. I also want to see this demonstrated for middle-class people, not multi-millionaires who get huge benefits from tax shelters. Assumptions: 20% marginal income tax rate (15% federal, 5% state) Buying insurance at age 30 and stopping/cashing out at 65 Stock market return is 10% per year and profits are taxed each year at long-term capital gains tax rate. Difference in premiums invested at start of each year. Reasonable amount of insurance coverage--$100,000, or $250,000 or so, not several million. Any advertisements or links to scams will be reported for abuse. Like I expected, the whole-life apologists are attacking my assumptions. First, that I shouldn't end the policy at 65. I'm assuming my kids are grown then, and surviving spouse will have Social Security (maybe), a home, and other assets to survive on. If it's more beneficial to convert the policy to an annuity at 65 and save taxes on my (presumably reduced) income, I will consider that possibility, just give me some facts. Someone said dividends are taxed at a higher rate than long-term capital gains, but I think that's wrong. Regardless, the rates on either are pretty low and I don't see that as a major factor. Someone else said term insurance would be a loser if my health failed before 65. If that's the case then I'll admit I'm comparing apples and oranges. Is there term insurance that doesn't expire as long as you pay the premiums, or does term insurance mean you'll lose coverage at the first sign that you're odds of collecting are higher than average?

What factors will affect term or permanent life insurance rates?

Life insurance: Which would you pick? Scenario: 30 year old purchasing a $250,000 policy. Would you buy: A) Whole life insurance that cost $3100/year. By age 65, you will have $60,000 in the cash value. B) 35 year term that cost $1500/year. If you invest the difference of $133.33/month with a rate of return of 12%, you can have $866,000. Or even at a conservative rate of 10%, you can have $510,000. A or B? I wish I learned about term and investing the difference a long time ago.

What are good ideas for networking and generating leads.? I am working as a financial representative for a top rated insurance company. We offer a range of products, but I mainly deal with life insurance, disability income, and long term care. My client base is solely built off of referrals and I am having problems getting enough names. I am looking for some good ways to meet more business people around Denver, and grow my business.

How much truth should be told to a life insurance nurse? We just had a nurse come to our house to grill us on our health history, and take vitals and blood and so on. I was left wondering how much truth should we tell her? Do they have any way to verify what was said? My doctor can't reveal my information to her or her company... Does telling too much truth hurt us in terms of jacking up our rates? I'm not asking how to commit insurance fraud. I just felt on the spot and nervous, and suddenly feeling afraid that if I missed something that they'd catch me, and jack up the rates or sue me or whatever. I found myself trying to wrack my brain, and I'm not sure how much it was necessary. Forgot to mention: The nurse came so we could activate/verify our life insurance. Thanks for the great responses. I called the company and rectified the information. I believe it's resolved. Phew! :' )

Serious answers only please- About life insurance -policies- best etc... more info....? Looking for a great ins. policy or a company that has the best rates for a non-smoker 37 year old male with no health issues- looking for around 100,000.00 policy term or 30 year- If you have a good one let me know or a family member etc- looking to change the one our family has so everything would be taken care of for the family. Thanks!

Whole life vs term debate? Hi Everyone. I just started a new career with the guardian insurance company last week. all I hear about is the debate with whole life verses term and investing the difference. I wanted to find out which one really was better for my clients. i did a little tests using the software that I get from my company which will give you the prices of an insurance policy and and all of the cash values and everything else you would want to know to help find which product is right for your client. here was the test.... i ran the numbers for a 25 year old male, preferred no tobacco rating. i ran these numbers for a guardian level 30 year term policy and a guardian paid up at 99 whole life policy both for a $1,000,000 face amount. here are the results. Results: the whole life policy costs 8,560 dollars per year. the term costs 1,340 per year. a difference of 7,220$ after the 30 (year 31) year period the whole life policy would have a cash value of $682,203 and a death benefit of $1,834,475. had you invested the 7220 a year for 30 years and got about an 8% a year return (about 6.7% after taxes) you would end up with $689,580 with a death benefit of 0 since your 30 years was up. term: 689,580 in cash and 0 death benefit. whole 682,203 cash value and 1,834,475 in death benefit which will increase every year till death as long as premiums are paid. seems to me the whole life is the better deal as cash is about equal but the death benefit is still there and is very large. The ending values assmues that dividends will be paid on the policy at the same rate as 2007 dividend rate. those can obviously go up or down and guardian has been paying dividends since 1860. what do you guys think?? great post insurance guy. you are right. it always depends on the client but at least from my illustration you can see that whole life is a horrible product like most everyone on here says. sometimes it might make sense. from my illustration a 25 year old who does have the cash flow to pay his 8,000 premium and is trying to save for retirement might really be a great fit for this whole life policy. someone who can not afford to put away that much might not be a great choice for my illustration. sorry guys, in my previous response there i wrote that whole life is a horrible insurance product. what i meant to type was that whole life is not a horrible product. To Ronkpaws: when reading your comment, i cant help but think you did not even read my origional post. your example of the $25 vs 100 premiums, buy term and invest the difference, is the exact illustration I made, just on a larger scale. and you can clearly see the results of my illustration.

INSURABLE?? Diagnosed w/Obstructive Sleep Apnea.? My husband was just diagnosed w/OSA and we were just about to look into getting a term life insurance policy. Will this condition be a big deal and make his rates higher if he can even get it at all? He is 38 and slightly overweight too.

FINANCE QUESTIONS!.. Help? 1. A risk of home ownership is that: a.interest rates may change with a conventional mortgage. b.property values may decrease. c.mortgage interest is not tax deductible. d.only a portion of real estate taxes are tax deductible. I'm thinking its B, but I could be wrong.. Which one of the following statements is true? a.With universal life insurance, changing the premium will change the amount of coverage. b.Whole life insurance generally allows the policyholder to change the amount of the premium. c.Decreasing term life insurance allows for premium payments that decrease over time. D. Universal life insurance allows access to cash value by a policy loan or withdrawal.

Help Solve Math Problem? Table shows how the premium for $500,000 term life insurance is increased for smokers who are over 35 and younger than forty. Rate for Non-Smoker $434.00 Rate for Smoker $739.00. What is the percent of increase in the premium for smokers?

what to do with severance pay? My husband is 53 and lost his job. He received $20K net severance pay. I work P.T. and my husband will receive unemployment for 6 months. The small monthly retirement check he will be getting will just cover our health and term life insurance. We owe $4000 on a car at 4.99% interest with 14mo left to pay. Our monthly payment is $279. We have no other debt. We will have about an extra $300 left at the end of the month after paying for just the necessities of food/med/gas/utilities, etc. I have not included entertainment or clothing. Should I pay off the car or put the entire $20K in an online savings which is currently getting 4%. I know interest rates will be dropping soon.

Primerica (Citibank)? First off, i DO NOT need comments like how Primerica is a scam or w/e. What i'm interested in is whether the products that Primerica sells is as reliable as they say. For example: $MART Loans. Is it really as good as they make it sound? Life Insurance: is it really cheaper then other companies? What about other term insurance? Investments: is their Rate of Return as high as they say it is? Why can they reach these high rates and can these high rates only be obtained by Primerica or is there other methods of getting these rates? RRSP: how do they help with the tax refund and wouldn't a tax accountant be able to do all of these things for you? Last thing... i would also like to know where you are when you answer this. Primerica is all over the world so i would like to know where this is coming from. Thank you very much

math help please? 1)the table shows how the premium for $500,000 term life insurance is increased for smokers who are older than 35 and younger than 40. Rate For Nonsmokers=$431.00 Rate For Smoker=$737 percent increase=??? find the missing number in the table the increase for the premium for a smoker is about?? 2)the sales tax rate in kentucky is 6% how many tax is charged on A purchase of 2 telephones at $45.00 A piece? what is the total price? the amount of the sales tax is? the total price is 3)A sales person's commission rate is 5%.What is the commission from the sale of 44,000 worth of furnaces? The sales commission is????

Math Help Me Please!!?? 1)the table shows how the premium for $500,000 term life insurance is increased for smokers who are older than 35 and younger than 40. Rate For Nonsmokers=$431.00 Rate For Smoker=$737 percent increase=??? find the missing number in the table the increase for the premium for a smoker is about?? 2)the sales tax rate in kentucky is 6% how many tax is charged on A purchase of 2 telephones at $45.00 A piece? what is the total price? the amount of the sales tax is? the total price is 3)A sales person's commission rate is 5%.What is the commission from the sale of 44,000 worth of furnaces? The sales commission is????

Help With Math Please!?? 1)the table shows how the premium for $500,000 term life insurance is increased for smokers who are older than 35 and younger than 40. Rate For Nonsmokers=$431.00 Rate For Smoker=$737 percent increase=??? find the missing number in the table the increase for the premium for a smoker is about?? 2)the sales tax rate in kentucky is 6% how many tax is charged on A purchase of 2 telephones at $45.00 A piece? what is the total price? the amount of the sales tax is? the total price is 3)A sales person's commission rate is 5%.What is the commission from the sale of 44,000 worth of furnaces? The sales commission is????

Math Problem #2 help please!? 1)the table shows how the premium for $500,000 term life insurance is increased for smokers who are older than 35 and younger than 40. Rate For Nonsmokers=$431.00 Rate For Smoker=$737 percent increase=??? find the missing number in the table the increase for the premium for a smoker is about?? 2)the sales tax rate in kentucky is 6% how many tax is charged on A purchase of 2 telephones at $45.00 A piece? what is the total price? the amount of the sales tax is? the total price is 3)A sales person's commission rate is 5%.What is the commission from the sale of 44,000 worth of furnaces? The sales commission is????

Consider to name 3 dangerous sports that insurance companies label "high risk"? can consumers qualify for life term health care policy rates beginning in pubic schools, via accurate record keeping and database in order to maintain cost effective strategies for the community benefit to prevent waste?

Ladies, if you were getting alimony payments of $450.00/month, would you cash out? Here are the details:? I owe my ex $17, 550.00 alimony to be paid out at the rate of $450.00 per month. I proposed to offer her $10,000.00 cash to be paid now in one lump sum. In lieu of the $7550.00 she would forgo, I offered her a term life insurance policy on me for $25,000.00 payable upon my death. She is 51 and I am 51 next month. If you were my ex wife, would you accept this offer? Thank you in advance for your input! Have a lovely night! Alan

how is the insurance process? ? hi i need to understand the insurance process, step by step. including the industry terms. for example; 1- potential customer 2- insurance company ask, rating factors: age, sex, car maker, age, etc 3- info goes to an underwriter, "what do they do with it" 4- quote goes back to the client...... 5-etc please help, im trying to customize an insurance software to the American market but i am unfamiliar with the insurance products life cycle... so after the underwriter revices the quote the client agrees and signs the proposal and then it goes back to the underwriter?

whole life question? Okay im just asking this question to get some idea of the price of whole life insurance. Im really not planning on going out and picking up a policy right now or anything so no one tell me to go get some term and invest the difference. I just want to know this for educational purposes. with your best estimate, what will I pay per year for whole life at a mutual company like mass mutual or Guardian for the following three whole life policy sizes. 100,000$ policy 250,000$ policy 1,000,000$ policy. I am 23 years old, Male and in perfect health and would probably get the best rate for the lowest price. i am a non smoker also. Please just give me your best estimates on the yearly prices for those 3 policy sizes for a man of my age and health. again dont try to talk me out of buying these policies because i am not actually planning on buying ive asked this question 3 time already because people are idiots and wont answer my question. dont tell me not to get whole life. ive stated that im not going to get it. i just want to know its cost. answwer my question. dont just write what ever the heck you want.

Long term Savings Gift to child? I would like to give a savings gift to my Goddaughter for first birthday and subsequent birthdays. The goal is to save money to apply towards college, but I am not her parent so I can not force her/guarantee that monies will be applied towards college expenses. Reading has revealed that EE and I-government savings bonds are low yield and may not reach face value. Whole Life Insurance was another suggestion but fees could be high. Stock certificates, mutual fund investments will yield high returns over the 18 years. Certificate of deposit was also suggested but what if i-rates increase over 18 years and I am locked in? Education IRA would require withdrawals to be towards education expenses to qualify as tax free. WHAT IS YOUR RECOMMENDED SAVINGS GIFT TO MAXIMIZE INTEREST?

Are you aware of these proposed tax changes? Suzi- I read the WHOLE thing- it affects me. You would be wise to read the whole thing as well.

My husband of 50 needs a life insurance policy? My husband will be 50 years old in March and he needs a life insurance policy. We are looking for a good/reputable company with reasonable rates. Any advice or suggestions will be appreciated. Right now American Family quoted $50/mos for $100,000 term life, 10 years. He thinks this is to much.

I received an offer of employment from Western Geco Ltd. How can I know if this is a scam or not?

Can someone please help me cross check my answers?

What do you think about this?

It is almost time to pay taxes. Who wants to pay more?

please help!!personal finance!!I cannot afford to get any wrong!!!! giving away as many points as possible!!!! 1. Which of the following might not be an option for increasing your present income? (1 point) Quitting your job to find another Requesting a merit increase in pay Requesting a promotion Looking for a better job without quitting your old job 2. Which of the following is true about a merit increase in pay? (1 point) It is based only on how long you have been with the company. You have prove that you deserve it more than your coworkers. You might have to wait for a certain anniversary date to get it. You automatically receive merit raises every year. 3. Corporate structure may be defined as _____. (1 point) the way a corporate building is structured whether a company pays corporate taxes the method a company uses to pay its employees the way a business is organized 4. Your resume should include all of the following information EXCEPT (1 point) contact information. personal history. education background. qualifications. 5. The single best way to increase your income is to get an education. Why? (1 point) You automatically make more money if you are educated. You can obtain jobs that have higher starting salaries. You automatically get promotions if you are educated. You will automatically receive better benefits. 6. Which of the following will probably earn a higher level of income? (1 point) A female file clerk with a high school diploma and a year of college. a male file clerk with a high school diploma and a year of college. A male accountant with a Bachelor's degree. A female accountant with a Master's degree in business administration. 7. The term "educational attainment"means _________________. (1 point) you have earned a degree whatever education you have earned you are attending school to earn a degree you have earned the highest degree possible in your field 8. Which of the following is not a core module of accounting? (1 point) accounts receivable accounts payable debt collection purchase orders 9. What is a general ledger also known as? (1 point) a normal ledger an enumerated ledger a nominal ledger none of the above 10. Which of the following is not one of the three types of business arrangements in the United States? (1 point) sole proprietorship partnership corporation sole partnership 11. With a sole proprietorship, who pays the taxes? (1 point) the shareholders the company the owner both the shareholders and the owner 12. Which one of the following would not be considered an advantage of a sole proprietorship? (1 point) Decisions can be made quickly without having to consult others. A proprietor is also responsible for his or her own health insurance. There are no legal formalities if the business dissolves. All of the profits from the business go right to the owner. 13. What can a proprietor do to minimize personal risk and liability? (1 point) change his/her name form a limited liability proprietorship form a limited liability partnership form a limited liability company 14. Why are partnerships often favored over corporations? (1 point) They have more power. A partnership structure eliminates the dividend tax levied upon profits realized by the owners. They are more successful. none of the above 15. Why are partnerships often favored over corporations? (1 point) A partnership structure eliminates the dividend tax levied upon profits. They are more successful. They have more power. none of the above 16. What are the two types of partnerships? (1 point) limited and general limited and sole general and private private and limited 17. Which of the following would not be considered an advantage of a partnership? (1 point) A partnership usually involves low start-up costs. Each general partner is deemed the agent of the partnership. It's easy to form a partnership. You can share the responsibilities with your partners. 18. As a generic legal term, __________ means any group of persons with a legal entity. (1 point) partnership business corporation proprietorship 19. Who regulates a corporation? (1 point) the bondholders the government of the state, province, or national government with which it is registered the corporation's founders the corporation's union 20. Which of the following is not a legal characteristic of a corporation? (1 point) transferable shares perpetual life legal protection from lawsuits limited liability 21. When claiming dependents, they must meet the following criteria EXCEPT: (1 point) the dependent must be a relative. the dependent must reside with you. the dependent must be under nineteen years of age unless he or she is a full-time student. the dependent was unable to provide over half of his or her support for the year. 22. If you opt to put money in a medical flexible spending account rather than trying to amass enough medical expenses to itemize on your tax return, you are taking advantage of ___________________. (1 point) an exclusion a credit a deduction withholding 23. A form of taxation in which everyone pays an equal rate of taxes is called a _____________. (1 point) progressive tax regressive tax net tax flat tax 24. A form of taxation in which the highest income earner pays the largest percentage of taxes is called a (1 point) progressive tax regressive tax flat tax net tax 25. A form of taxation in which the lowest income earners pay the largest percentage of taxes is called a ___________________. (1 point) progressive tax regressive tax flat tax net tax 26. Which of the following best defines health insurance? (1 point) An annual contract between an insurance company and an individual a type of insurance that protects your personal property if you are unable to pay your bills. a type of insurance whereby the insurer pays the medical costs of the insured a type of insurance that assists your loved ones in the event of your death 27. Which of the following illustrates the main difference between Medicare and Medicaid? (1 point) Medicare helps to insure the elderly, while Medicaid focuses on low-income individuals and families. Medicaid helps to insure the elderly, while Medicaid insures low-income earners. Medicaid helps to replace lost income for the poor. Medicare is available only to those over the age of 65. 28. What is life insurance? (1 point) Health insurance that covers you for the rest of your life Insurance that supplements your income if your life is threatened Insurance that assists your loved ones with income in the event of your death Insurance that protects you in the event of an unexpected illness or accident that prevents you from working 29. Which of the following statements is not true about HMO insurance? (1 point) It is a managed health care system. In an HMO you can choose your own primary care physician (PCP), but specialists must be referred by the PCP. In an HMO , you are assigned a primary care physician. The letters stand for Health Maintenance Organization. 30. Which of the following might be considered positive aspects of HMOs. (1 point) Free choice of primary care physician Care from non-HMO provider not covered Out-of-pocket expenses are usually low Easy to receive specialized care 31. Which of the following might be considered a negative aspect of HMOs? (1 point) Out-of-pocket expenses are usually high. Not easy to receive specialized care HMOs focus on preventative care Free choice of primary care physician 32. On average, compared to a person with good credit a person with poor credit will pay __________ for insurance. (1 point) 5% to 10% more 10% to 15% more 20% to 50% more 55% to 70% more 33. How long does it take to rebuild your credit history? (1 point) 7 years 8 years 9 years 30 years 34. Secured debt means a lender gives you money in exchange for what? (1 point) collateral credit report principal interest 35. When an asset, such as a car, decreases in value over time what is it called? (1 point) depreciation financing equity leasing 36. If you miss one payment on a credit card, what's generally the penalty? (1 point) a late payment fee a higher interest rate a lower available credit line a negative notation on your credit report 37. If you miss two payments on a credit card, what's generally the penalty? (1 point) a late payment fee and a lower available credit line a higher interest rate and a late payment fee a late payment fee a negative notation on your credit report 38. What are expenses that do not change called? (1 point) stable costs fixed costs variable costs known costs 39. What is the margin of safety? (1 point) How much sales can fall before a business starts making less than 5% profit How much sales can fall before a business makes less than 15% profit How much sales can fall before a business starts taking a loss none of the above 40. The two components of ______________ are variable and fixed costs. (1 point) entire cost required cost complete cost total cost 41. What are expenses that change as conditions change? (1 point) changing costs fixed costs moderate costs variable costs 42. What can be the best type of safety net in hard times? (1 point) Gambling Mortgage Rental property None of the above 43. Real estate is considered a(n) _____ investment. (1 point) illiquid liquid sure partially–liquid 44. Individual mortgage interest rates are generally determined by what? (1 point) The economy The individual's credit score The property value The state the property is located in 45. What is PMI? (1 point) Personal mortgage issuance Personal mortgage investment Personal mortgage insurance Personal mortgage interest 46. Why is investing in gold beneficial? (1 point) It is easy to mine. It is considered a stable investment. Gold is more expensive than stocks. The value of hold is subject to inflation. 47. What is an entrepreneur? (1 point) a sole proprietorship a corporation one who opens a new business a bank that loans money 48. Which of the following is the best definition of probable operating costs? (1 point) Amount of money required to start a business Amount of money required to market a business Amount of money required to purchase business equipment Amount of money required to keep a business running 49. Which of the following is a start–up cost associated with opening a business? (1 point) Equipment Legal fees/licensing Insurance All of the above 50. Which of the following is an example of an unsecured bank loan? (1 point) Credit card debt Bank overdrafts Corporate bonds All of the above

What causes increased liver enzymes? Tried to get life insurance. They came back with the rate almost tripled because I had "increased liver enzymes." The increased rate is bad enough but is this something that should concern me in terms of my health? I am 22, male, 175 lbs, 5'8". I don't drink or smoke at all. I am a vegan, so I don't eat meat, regular milk, or regular cheese. I am not in tip-top shape but I am not grossly overweight. I take Cephalexin and Retin-A for acne and DrySol (perscription anti-perspirant). Because I am young, always feel OK, and really hate doctors I haven't been to see one in years. Any ideas what could be causing this? Should I be concerned?

Can I get a translation of these terms in Chinese: Cashier, galaxy, atom, mutual fund, stock market? Could I get some help from people whose chinese is better than mine. Could I get a translation in simplified characters of the following terms please. Once more, no online translators (I could do that myself) please. Thanks in advance: Cashier, life insurance, mutual fund, stock market, investment, interest rate, employer, inadequate, substantial, termination (from a job), financial advisor, sales representative, galaxy, solar system, atom, molecule and universe. If you don't know all of them just as many as you know would be appreciated, thanks a lot.

Who do these environmental scientists think they are?Like they know more than Al Gore? Why don't people use their brains, do a little research , and realize the Global Warming farce is simply a political adgenda aimed at corraling huge sums of money through the use of fear? MYTH 1: Global temperatures are rising at a rapid, unprecedented rate. FACT: Accurate satellite, balloon and mountain top observations made over the last three decades have not shown any significant change in the long term rate of increase in global temperatures. Average ground station readings do show a mild warming of 0.6 to 0.8Cover the last 100 years, which is well within the natural variations recorded in the last millennium. The ground station network suffers from an uneven distribution across the globe; the stations are preferentially located in growing urban and industrial areas ("heat islands"), which show substantially higher readings than adjacent rural areas ("land use effects"). There has been no catastrophic warming recorded. MYTH 2: The "hockey stick" graph proves that the earth has experienced a steady, very gradual temperature increase for 1000 years, then recently began a sudden increase. FACT: Significant changes in climate have continually occurred throughout geologic time. For instance, the Medieval Warm Period, from around 1000 to1200 AD (when the Vikings farmed on Greenland) was followed by a period known as the Little Ice Age. Since the end of the 17th Century the "average global temperature" has been rising at the low steady rate mentioned above; although from 1940 – 1970 temperatures actually dropped, leading to a Global Cooling scare. The "hockey stick", a poster boy of both the UN's IPCC and Canada's Environment Department, ignores historical recorded climatic swings, and has now also been proven to be flawed and statistically unreliable as well. It is a computer construct and a faulty one at that. MYTH 3: Human produced carbon dioxide has increased over the last 100 years, adding to the Greenhouse effect, thus warming the earth. FACT: Carbon dioxide levels have indeed changed for various reasons, human and otherwise, just as they have throughout geologic time. Since the beginning of the industrial revolution, the CO2 content of the atmosphere has increased. The RATE of growth during this period has also increased from about 0.2% per year to the present rate of about 0.4% per year,which growth rate has now been constant for the past 25 years. However, there is no proof that CO2 is the main driver of global warming. As measured in ice cores dated over many thousands of years, CO2 levels move up and down AFTER the temperature has done so, and thus are the RESULT OF, NOT THE CAUSE of warming. Geological field work in recent sediments confirms this causal relationship. There is solid evidence that, as temperatures move up and down naturally and cyclically through solar radiation, orbital and galactic influences, the warming surface layers of the earth's oceans expel more CO2 as a result. MYTH 4: CO2 is the most common greenhouse gas. FACT: Greenhouse gases form about 3 % of the atmosphere by volume. They consist of varying amounts, (about 97%) of water vapour and clouds, with the remainder being gases like CO2, CH4, Ozone and N2O, of which carbon dioxide is the largest amount. Hence, CO2 constitutes about 0.037% of the atmosphere. While the minor gases are more effective as "greenhouse agents" than water vapour and clouds, the latter are overwhelming the effect by their sheer volume and – in the end – are thought to be responsible for 60% of the "Greenhouse effect". Those attributing climate change to CO2 rarely mention this important fact. MYTH 5: Computer models verify that CO2 increases will cause significant global warming. FACT: Computer models can be made to "verify" anything by changing some of the 5 million input parameters or any of a multitude of negative and positive feedbacks in the program used.. They do not "prove" anything. Also, computer models predicting global warming are incapable of properly including the effects of the sun, cosmic rays and the clouds. The sun is a major cause of temperature variation on the earth surface as its received radiation changes all the time, This happens largely in cyclical fashion. The number and the lengths in time of sunspots can be correlated very closely with average temperatures on earth, e.g. the Little Ice Age and the Medieval Warm Period. Varying intensity of solar heat radiation affects the surface temperature of the oceans and the currents. Warmer ocean water expels gases, some of which are CO2. Solar radiation interferes with the cosmic ray flux, thus influencing the amount ionized nuclei which control cloud cover. MYTH 6: The UN proved that man–made CO2 causes global warming. FACT: In a 1996 report by the UN on global warming, two statements were deleted from the final draft. Here they are: 1) “None of the studies cited above has shown clear evidence that we can attribute the observed climate changes to increases in greenhouse gases.” 2) “No study to date has positively attributed all or part of the climate change to man–made causes” To the present day there is still no scientific proof that man-made CO2 causes significant global warming. MYTH 7: CO2 is a pollutant. FACT: This is absolutely not true. Nitrogen forms 80% of our atmosphere. We could not live in 100% nitrogen either. Carbon dioxide is no more a pollutant than nitrogen is. CO2 is essential to life on earth. It is necessary for plant growth since increased CO2 intake as a result of increased atmospheric concentration causes many trees and other plants to grow more vigorously. Unfortunately, the Canadian Government has included CO2 with a number of truly toxic and noxious substances listed by the Environmental Protection Act, only as their means to politically control it. MYTH 8: Global warming will cause more storms and other weather extremes. FACT: There is no scientific or statistical evidence whatsoever that supports such claims on a global scale. Regional variations may occur. Growing insurance and infrastructure repair costs, particularly in coastal areas, are sometimes claimed to be the result of increasing frequency and severity of storms, whereas in reality they are a function of increasing population density, escalating development value, and ever more media reporting. MYTH 9: Receding glaciers and the calving of ice shelves are proof of global warming. FACT: Glaciers have been receding and growing cyclically for hundreds of years. Recent glacier melting is a consequence of coming out of the very cool period of the Little Ice Age. Ice shelves have been breaking off for centuries. Scientists know of at least 33 periods of glaciers growing and then retreating. It’s normal. Besides, glacier's health is dependent as much on precipitation as on temperature. MYTH 10: The earth’s poles are warming; polar ice caps are breaking up and melting and the sea level rising. FACT: The earth is variable. The western Arctic may be getting somewhat warmer, due to unrelated cyclic events in the Pacific Ocean, but the Eastern Arctic and Greenland are getting colder. The small Palmer Peninsula of Antarctica is getting warmer, while the main Antarctic continent is actually cooling. Ice thicknesses are increasing both on Greenland and in Antarctica. Sea level monitoring in the Pacific (Tuvalu) and Indian Oceans (Maldives) has shown no sign of any sea level rise. SOURCES! Baliunas, Dr. Sallie: "The Kyoto Protocol and Global Warming" http://www.hillsdale.edu/imprimis/2002/march/default.htm Chylek, Petr: "A Long Term Perspective on Climate Change" Fraser Forum, April, 2002, page 7. Daly, John: "The 'Hockey Stick": A New Low in Climate Science" http://www.john-daly.com/hockey/hockey.htm De Freitas, C.R. 2002, " Are observed changes in the concentration of carbon dioxide in the atmosphere really dangerous ?" Bulletin CPG, Vol. 50, #2. Gagosian, R.B.: 2002, Abrupt Climate Change. The President of Woods Hole Oceanographic Institution discusses the Global Ocean Conveyer. Goldenberg, S. B., Landsea, C. W., Mestas-Nunez, A. M., and Gray, W. M. 2001. The Recent Increase in Atlantic Hurricane Activity: Causes and Implications. Science, v.223, p.474-479. http://www.sciencemag.org/cgi/reprint/293/5529/474.pdf Hansen and Sato: Trends of Measured Climate Forcing Agents Proc. Natl. Acad. Sci. USA, Vol. 98, Issue 26, 14778-14783, December 18, 2001 BOB'S WIFE TELLS ME HE'S HUNG LIKE A SQUIRREL!

Can you tell me if there is any Linxus hotel in Canada or London? Please find the mail I received for job confirmation in the below hotel, Hello Mon, Your mail is noted. We shall prepare and obtain an LMO(Labour Market Opinion) in your favour.Please note that for those who obtain the permit and are fully engaged by us, the following are benefits you will be entitled to: 1) Relocation allowances 2) Retirement plan 3) Tuition reimbursement 4) Medical, dental and life insurance coverage 5) Short-term and long-term disability 6) Flexible spending account 7) Paid time off 8) Tax free to the worker 9) Discounted associate rates at Linxus Hotels 10) $475 credit card to the worker [not in cash] at the point of entry and much more... We shall expect to hear from you as soon as you obtain your permit so we can arrange for your visa and travel arrangements.You are welcome to work with us! .As soon as you can confirm to us that you already have the permits to work in Canada, so make haste to obtain one.We will confirm your appointment and commence

Are South Africans in general irresponsible in times of economic uncertainty and difficulty? I was browsing through an article this morning that detailed how many South Africans, when responding to difficult economic circumstances such as the current high interest rate climate, rising food costs and exorbitant petrol prices, usually follow the pattern of responding to such economic hardship by first, cancelling short term insurance policies such as vehicle and household cover and then followed by the further cancellation of long term insurance such as life cover and retirement annuities..... Is this not irresponsible behaviour, why not rather cut back on travelling costs, luxury items such as clothing and take away foods? I for one know of many South Africans who continue to unnecessarily waste at clothing stores (on credit), who go on holiday every long weekend and continue to frequent restaurants and take away outlets yet have cancelled insurance policies to fund their lifestyles and are in arrears on school fees and accounts? Do you have any opinions on this issue?

Need answers on Health insurance question by morning? I unfortunately missed out on our health insurance meeting and I have to have my papers in by morning (Actually today, they let me slide) I have a high deductible like we all do right now. But I am having issues understanding the "Maximum out of pocket" term. So here are my options (please spare me the grief on my high rates) Plan A: Deductible $4000 Plan B: $1500 (family) Plan A: Coinsurance 100% Plan B: 80% Plan A: Lifetime Maximum $5,000,000 Plan B: same Plan A: Max Out Of Pocket $8000 Plan B: $6000 The rest I get, and I also under stand the $5,000,000 Cap . But does the Max Out Of Pocket mean on Plan B: that I will only ever have to pay $6000 even if I have a $2,000,000 medical bill for one year? All of the above were "in network" So I need as easy of a definition as possible so I can sign my life away and hand these in the morning. Thanks TJ