 What type of business insurance do I need? |
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 Call me dumb but got to ask someone to clear up something for me? |
| I was looking for life insurance just in case. I found a company that will give me $2 million at $37 a month. So while I know the basics on how it works. If $37 a month for say 30 years doesn't ... |
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 What kind of life insurance do I need?? |
| I am a single mother of a 6 month old. The father and I are not married, but are living together. We both realize that we need to get life insurance, but have no idea where to start. We are 30 and ... |
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 I rent out my condo. Should I inform my homeowners Ins. company? |
I rent my condo out furnished. I have fire and liability insurance,.
Do I need to inform my insurance co?
Does renting affect the policy?... |
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| I want to purchace some life insurance just in case.... |
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 Getting ripped on health care in texas? |
| I'm currently getting healthcare through my employer since I'm no longer eligible for medicaid for my daughter or county health for either of us. well, it's killing me- our health ins ... |
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| If I have health insurance, what would it cost me to have a blood test done? |
Or who could I ask to tell me.
I would like to see a doctor and be tested to be sure my thyroid is working correctly. I understand they sample blood to do this. If I have health insurance (... |
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 Laws that mandate infertility coverage? |
| I have researched out and found out that Illinois mandates insurance companies cover infertility treatments. I have printed out the documents on this. We have insurance through my hubby's ... |
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| We both agree that I should be with kids but I'm worried about financial risks.... |
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 Please Help Me? |
| Do I have to pay shipping insurance on a product?... |
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 Can I be denied coverage for lap band if I have BC/BS PPO and the doctor is an out-of-network provider? |
| My mom currently has BC/BS PPO federal employee insurance and I am covered under her health insurance. I am 19 years old and morbidly obese. I recently went to a doctor and they took a copy of my ... |
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 Health Insurance question? |
| My husband's boss won't offer them Health Insurance. Where can I call or what can I do to ask if he has to offer them insurance or not. Please help!!!!!... |
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| My grandfather recently passed away and my grandma had insurance through him at his job. Can she get health benefits now that she is on her own? And is there a way to see if he had life insurance. ... |
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 Is home owner's insurance a requirement to have for a townhouse in California? |
Additional Details
What exactly does home owner's insurance cover anyway?
How is this different from theft, earthquake and flood insurance?... |
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| How long does an insurance adjuster have to pay insured for there damaged personal property? |
| I had a house fire, and filed a claim for structure and personal property. It has been one month sense adjuster has received my personal property info, and yet no check. Just a bunch of lies that the ... |
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 Does anyone else have to pay...? |
| for their car insurance? and how much is it. Not a single person I know has to pay and I have to, and I guess I just want to know that i'm not the only one (i'm 18, by the way and just ... |
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 Help i need answers? |
| i am tied up at a hospital & i have a broken arm? i did not sign up for short time disabled at work. can i sign up for unemployment until i get back to work?... |
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 Quick question about RENTERS INSURANCE? |
My fiance and i are renting out a house starting Feb. 1st.
After a year we have an option to buy the house.
Anyways, when we were looking at the house she said her dad wants us to ... |
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BaseballFan4Ever | Do you recommend a Variable Universal Life Plan (VUL)? |
Our Financial Advisor recommends this plan. I am 36 yrs old and Married, we are in a high income bracket.
Are the excessive fees? Are they Risky? |
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Fred S
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No. No. No.
The only reason they love those is because they make a great commission. If you are in need of insurance, you are better off with a term life policy.
If you have extra income, you are better off putting it into your retirement up to the match or paying down debt.
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Insurance Pickle.com
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I own one....two actually. And I own term for the bulk of the coverage I need.
http://www.InsurancePickle.com |
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gaken2000
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Absolutely, positively ... maybe. IF you have maxed out your retirement plans at work (such as 401-K or 403-B plans) AND maxed out your own IRAs AND you have a real need for life insurance AND are looking for more ways to defer taxes on investment growth, a VUL plan may be worth looking at. However it's impossible to evaluate your particular plan in a forum such as this. Your question indicates you're already feeling a little nervous about the fees, so that's a red flag in itself. You need to research comparable products to see how the one you are considering compares. They are risky to the extent that the cash values are invested in "sub-accounts" (you choose from a menu) that mimic the whole range of investment choices -- from conservative money markets to aggressive growth stocks. |
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efflandt
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Only if you have already max'd out any other method of retirement savings [401(k), IRA or Roth IRA, etc.]. If you have the incentive to learn investing yourself, you may do better with term insurance and your own investments (even if taxable). |
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Rick B
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NO NO NO NO NO!
Buy level term life insurance and invest the difference. Insurance is not an investment. Don't let the waters get muddied.
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Richie Rich
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Cash value is rarely ever a good product. Especially Variable Universal Life. It offers the highest commissions with the highest surrender charges.
If all you want is life insurance, stick with Term. If looking for tax savings, max out any investments you have (401k's, IRA's, SEP's, etc.). Combined for a married couple you should be able to shelter around 100k a year in those. If you have kids, you could potentially save even more with child IRA's. Gift's could also prove useful.
In other words, find another adviser/analyst that has your interests at heart instead of their own pocket books. |
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Rajesh K
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it is very good plan for more information and comparing search on any site |
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