 Need advice about suing homeowners insurance? |
| Hi, I'm 22 and a apprentice for a union sheet metal contractor. ive completed 3 out of 5 years now. i have my own insurance, but i live at home with my parents and pay rent. a few months ago i ... |
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 I'm confused/scared about my medical bill? |
last month i went to a county hospital to the "ER" I had no insurance so i was asked to pay 100 dollars within 7days(prepayment patients)
I still have not paid the 100 dollars ... |
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 Is insurance necessary for motorcyclers? |
| I've been hearing alot about insurance and whatnot being very expensive for teenagers. Motorcycles cost around $5000, and around $700 a year for insurance? Is insurance really necessary?... |
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 If a person has a life insurance policy on someone, and then they die what happens? |
| If a parent has had a life insurance policy on their child since they were small, what happens when the policy owner dies? My dad had one for all of us kids. He is 85 and in very poor health. Would ... |
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 Best Ins. Co. for home and auto coverage?? |
| Anyone feel really good about their Auto and Home insurance combo? Any recommendations?... |
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 Having trouble with home insurance - i need help please!?!? |
i have emailed 4 people now about cancileing my account and no one has emailed me back i am now paying contents cover for a house that i do not live in any more this is rediculus.
i ... |
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 Primerica? |
| have you ever heard of this company? what do you think about it??... |
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 Is this settlement fee enough? |
| Was in an accident a little over 2 years ago...late 20's, first ever accident. Not sure if observed as other parties fault, but I'm sure it was (they ran stop sign in NY). Did pt for 3 ... |
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 My mother is going to die in about 2 weeks and i never thought about the funeral , is it to late for insurance |
| I have been so stressed and worried with school my son and her all the financial issues totally slipped my mind! what do i do and is it too late for life insurance policies? she has cancer and not ... |
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 Hello, looking for insurance? |
| I'm looking for individual inexpensive medical and med's coverage for myself, and older adult. State programs I was cut off from because my daughter turned 19, and I'm not old enought ... |
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 Life insurance for Me,father of my kids and my two kids! Is it a good idea to buy for the kids? |
| My boyfriend and I are planning to get life insurance soon, but I'm wondering if it's a good idea for me to buy it for our kids (1 & 3). I'm still very young (23yrs) and starting ... |
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 Insurance co. does not want to pay medical bills. Will i have to? Accident not my fault.? |
| chiropractic accepted 3 patients and claimed insurance co. would pay . Insurance co. is giving run arround. chiropractic is demanding pay. I dont think he cares who pay's as long as he gets ... |
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 Individual Health Insurance / COBRA? |
| Why is COBRA considered better than individual health insurance plans? When I did some research,for almost the same kind of coverage but cheaper premiums, I could find individual health insurance ... |
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 How much would motor insurance cost me? |
| Hi, im nearly 21 and a female. I cant actually ride a motor bike atm but want to learn as i am in love with bikes. However i dont know how much it would cost me to insure one. Obviously i would ... |
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 Life Insurance -- Is a 78 year old woman too old to get life insurance? If not, who are the better providers? |
| I've made preliminary inquiries to get life insurance for a 78 year-old female, however, I get the standard response of "no" because of her age and the fact that she has been ... |
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| Questions about health insurance as it relates to losing one's job and COBRA? |
| I recently lost my job. My employer of 9 years gave me a "take it or leave it" approach with a poor severance package. Essentially my termination letter states that my benefits expire N... |
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PenGwen | Can you sell your LIFE (insurance)?Like selling blood? the buyer get the premium and you get a share up front. |
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Autumn
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You can sell your life insurance policy. However, I was just educated that if your policy is 2 years old or less, they can charge a surrender charge that's usually this HUGE amount (depending on the amount of your policy). If you can tell, I'm really mad at the broker I dealt with. On another note, don't deal with independent brokers. Especially if they have good rapport in the community. |
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Steve B
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Yes, however few people like to think some-one has a financial reason for wanting them dead ... |
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v b
 |
The concept has been around for years. First it was called "viaticals," now it's marketed under the rubic "life settlements." (When they were called viaticals, they sellers were often gay men who were expected to die soon of AIDS--when their health care improved the buyers of the viaticals were stuck with lousy "investments.")
Talk show Larry King sold his life insurance policy--he was reportedly a bit miffed when he discovered he couldn't really buy more life insurance on his own.
http://www.insure.com/articles/lifesettlements/life-settlements-larry-king.html |
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mbrcatz
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It's only WORTH your cash value, NOT your face amount.
If you "run the numbers", an investor would have to take over paying premiums, and the end payout doesn't generate much return on your investment, in the long run, so it's a crappy investment. |
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Michael M
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You can sell your life insurance policy. There are companies called life settlement companies that will give you a flat amount in exchange for your policy. Then they pay them premiums and collect the death benefit when you die. It was established to allow terminally ill people with life insurance access some of their death benefits before they die in order to pay for medical treatment and other expenses. |
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Doctor Deth
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only if it's whole life (which hardly exists anymore) and only to the point of the cash surrender value less a profit for the buyer - you may as well just cash in the policy at that point |
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aaron p
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If you're over the age of 65 or have a terminal illness, you may be able to receive offers. You will either receive no offers or some amount between your surrender value and your death benefit. There are some drawbacks to selling your policy, and a responsible life settlement broker should be able to explain these. |
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Rocky
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no |
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